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
A rolling 90-day reserve on 25% of funds can materially delay a Supplier's access to a significant portion of their earnings whenever the refund rate threshold is crossed.
A Supplier whose refund rate exceeds 15% will have 25% of their funds pending settlement withheld by Gumroad for 90 days on a rolling basis.
How other platforms handle this
For cryptocurrency payments, you will be reimbursed in cryptocurrency but for the euro equivalent of the initial purchase.
We will issue a refund within three Business Days of receiving your request, provided that the funds have not been picked up by the designated recipient prior to our receipt of your request for a refund.
If you downgrade a membership, you will not receive a refund or credit for the fees already paid; instead your membership will continue to the end of your current billing period but will not renew.
Monitoring
Gumroad has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"If Supplier...experiences a refund rate in excess of 15%, Supplier hereby authorizes us to hold in reserve an amount equal to 25% of Supplier's funds pending settlement...for 90 days on a rolling basis— Excerpt from Gumroad's Gumroad Terms of Service
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
A rolling 90-day reserve on 25% of funds can materially delay a Supplier's access to a significant portion of their earnings whenever the refund rate threshold is crossed.
A Supplier whose refund rate exceeds 15% will have 25% of their funds pending settlement withheld by Gumroad for 90 days on a rolling basis.
ConductAtlas has identified this type of provision across 179 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Gumroad.