Is it truth that clients can not claim a chargeback if its a digital download?

Is it truth that clients can not claim a chargeback if its a digital download?

No, the customers still can claim a chargeback for a digital download.

Only difference is:
Buyers will receive instructions for obtaining a digital item are provided immediately upon payment. Like other non-physical items, digital items are not covered by the eBay Standard Protection Program or the PayPal Buyer Protection Program.

thanks! what means "not being covered by the buyer protection program" ?