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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you represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo...and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
By using the Services, you represent and warrant that you are not located in any such country or on any such list.
You represent and warrant that: (a) you are not named on or subject to any government sanctions programs or list of persons or entities prohibited from receiving U.S. exports, or engaging in transactions with any U.S. person...
"you represent and warrant that (y) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" countryExcerpt from Gumroad's Terms of Service
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The clause states: “you represent and warrant that (y) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country”
ConductAtlas has identified this type of provision across 182 platforms. See the full comparison.
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