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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If we learn that we've collected the personal data of a child under the age of 13 or 16, as applicable, we'll take reasonable steps to delete the personal data. This may require us to delete the Skillshare account...
If our moderators decide to remove content, or suspend or terminate the Member's account, we will notify the Member and explain how to contact us.
If we become aware that a child has provided us with personal data without parental consent, we remove such data and terminate the child's account (except where we are required to retain all or a portion of such data for compliance purposes).
"If Supplier...experiences a refund rate in excess of 25%, Supplier's Account may be suspended, terminated, or otherwise subject to additional conditions or fees.Excerpt from Gumroad's Terms of Service
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The clause states: “If Supplier...experiences a refund rate in excess of 25%, Supplier's Account may be suspended, terminated, or otherwise subject to additional conditions or fees.”
ConductAtlas has identified this type of provision across 276 platforms. See the full comparison.
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