This analysis describes what Gumroad's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The updated terms authorize Gumroad to place holds on supplier earnings indefinitely based on suspected violations, elevated chargeback risk, misleading marketing, incomplete identity verification, or payment partner requirements—without specifying a maximum hold period or guaranteed release timeline. Held funds remain in account balances but do not accrue interest and are not applied to Gumroad's benefit. The company will notify suppliers where practicable, but may withhold notice if it would compromise investigations or risk controls. Suppliers retain the ability to continue selling even while funds are held, but cannot access those earnings until Gumroad determines the basis for the hold has been resolved to its reasonable satisfaction.
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For subscribers and purchasers of Virtual Items residing in the Republic of Korea: in accordance with local law, you are entitled to a full refund of your subscription and/or unused Virtual Items during the 7 days following the purchase.
If you are on a paid subscription and we discontinue the Service you are using during your subscription...if we're unable to do so, we will provide you a pro-rata refund of fees prepaid for the remaining period of your subscription.
The refund will cover the relevant subscription fee prorated from the date you request cancellation to the end of the relevant subscription period you have paid for.
"Supplier is responsible for reimbursing Gumroad for the amount of any monies paid by Gumroad to Buyers or Third-Party Service Providers...in connection with refunds, chargebacks or disputesExcerpt from Gumroad's Terms of Service
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The clause states: “Supplier is responsible for reimbursing Gumroad for the amount of any monies paid by Gumroad to Buyers or Third-Party Service Providers...in connection with refunds, chargebacks or disputes”
ConductAtlas has identified this type of provision across 178 platforms. See the full comparison.
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