well.... it seems the answer really is not clear.

purse.io is really attractive, but i wonder if these claims of law enforcement involvement in these cases are really true. seems a bit over the top. is buying a gift card at a discount really grounds for criminal proceedings? i agree with the person who said, there doesn't seem to be any proof of any wrongdoing there.
Purse.io has a buyer purchase protection policy, they established it this year after law enforcement showed up at one of their buyer's house.
Starting January 7th, when a spender purchases items from Purse, their purchases will be covered for any damages or costs resulting form the purchase up to $10,000 with our Purse Guarantee. This program will apply retroactively to any spenders who may report any damages related to Purse.