I think EU wise etc
lots of new laws and any medical sound stuff is a no go.
why i think its general, because some of the other sellers audios were flagged by paypal itself as being against TOS. (on sound weave, not the ones i listed)
The charge back thing is a larger compounded problem, as this wasnt a charge back per say, but a few months of orders disputed.
I am not sure that people understand that this is fraud, being that we live in an amazon replace all world, people assume they are always entitled to some larger standard in that the everyday person selling is also made of unlimited resources and can simply return months of sales on the whim and fancy of the purchaser.