How safe is Gumroad?

Could you elaborate on the security measures employed by Gumroad, especially in light of the growing concerns surrounding online transactions and data breaches? Are there any specific protocols in place to safeguard users' sensitive information, such as credit card details and personal data? Furthermore, how does Gumroad handle potential fraud attempts and disputes between buyers and sellers? Understanding the safety measures adopted by Gumroad is crucial for anyone considering using their platform for digital transactions.