Is it safe to use Gumroad?

Are there any security concerns when using Gumroad as a platform for buying and selling digital products? Have there been any reports of fraud or data breaches on the site? What measures does Gumroad take to protect user information and ensure SAFE transactions? Is it possible to dispute a purchase or get a refund if necessary? Additionally, what is the general reputation of Gumroad in terms of reliability and customer satisfaction?