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paraphrasedPayPal

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This user agreement is a contract between you and PayPal, Inc. governing your use of your PayPal account and the PayPal services. It applies to U.S. PayPal accounts only. If you are an individual, you must be a resident of the United States or one of its territories and at least 18 years old, or the age of majority in your state of residence to open a U.S. PayPal account and use the PayPal services. If you are a business, the business must be organized in, operating in, or a resident of, the United States or one of its territories to open a U.S. PayPal account and use the PayPal services.	This user agreement is a contract between you and PayPal, Inc. governing your use of your PayPal account and the PayPal services . It applies to U.S. PayPal accounts only . If you are an individual, you must be a resident of the United States or one	https://www.paypal.com/us/legalhub/useragreement-full
By opening and using a PayPal account, you agree to comply with all of the terms and conditions of this user agreement, including the Fee pages, and any upcoming changes described on the Policy Updates page at the time you accept this user agreement (which changes will apply to you on the indicated effective dates). These terms include an agreement to resolve disputes by arbitration on an individual basis. You also agree to comply with each of the other terms or agreements on the Legal Agreements page that apply to you and the following additional policies:	PayPal users agree to comply with all of the terms and conditions of this user agreement . These terms include an agreement to resolve disputes by arbitration on an individual basis .	https://www.paypal.com/us/legalhub/useragreement-full
You may close your PayPal account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayPal account even after the PayPal account is closed. When you close your PayPal account, we will cancel any scheduled or incomplete transactions. If you have a Balance Account linked to a personal account, you must withdraw or transfer any funds held in your Balance Account before closing your personal account, and closing a personal account will result in PayPal automatically closing any linked Balance Account. If you have a business account, you must withdraw or transfer any balance from your business account before closing it, and if you have not provided the required identifying information to us, or if we are unable to verify the required identifying information you provide, you must transfer any balance in your business account to a linked bank account or debit card. You cannot withdraw or transfer digital gift certificates/cards that are purchased through PayPal Digital Gifts and linked to your personal or business account as payment methods. However, even without your PayPal account, you can still use the codes you received by email when you purchased the gift certificates/cards to make purchases.	You may close your PayPal account and terminate your relationship with us at any time without cost . Closing a personal account will result in PayPal automatically closing any linked Balance Account . You cannot withdraw or transfer digital gift certificates/cards that are purchased through PayPal Digital Gifts and linked to your personal or business account .	https://www.paypal.com/us/legalhub/useragreement-full
You can link or unlink certain payment methods such as a credit card, debit card, a U.S. bank account or PayPal Credit to your PayPal account. You can also link a Balance Account to your personal account as a payment method and unlink the Balance Account by withdrawing all funds and closing it. Before linking a bank account, you should review and understand the consumer protection rights and remedies available for different payment sources under the Electronic Fund Transfer Act (EFTA) and Fair Credit Billing Act (FCBA). Please keep your payment method information current (e.g., credit card number and expiration date). If this information changes, we may update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your payment method from your PayPal account. If we update your payment method, we will keep any preference setting attached to such payment method. You may choose to confirm your card, so that we can verify that the card is valid and that you are the card owner. To do this, we will charge $1.95 to the card. After the card is confirmed, we will immediately refund this amount to the card.	You can link or unlink certain payment methods such as credit card, debit card, a U.S. bank account or PayPal Credit to your PayPal account . Please keep your payment method information current . If this information changes, we may update it using information and third-party sources available to us .	https://www.paypal.com/us/legalhub/useragreement-full
Except when PayPal acts your agent and custodian to place funds in one or more banks insured by the Federal Deposit Insurance Corporation (FDIC) that we choose in our discretion (“Program Banks”), as provided below, any balance in your Balance Account and any funds sent to you which have not yet been transferred to a linked bank account or debit card if you do not have a Balance Account, represent unsecured claims against PayPal that are not eligible for FDIC pass-through insurance.	PayPal acts your agent and custodian to place funds in one or more banks insured by the Federal Deposit Insurance Corporation (FDIC) that we choose in our discretion (“Program Banks�	https://www.paypal.com/us/legalhub/useragreement-full
PayPal is not a bank and does not itself take deposits. You will not receive any interest or other return on the funds held with PayPal. If your Balance Account is not eligible for FDIC pass-through insurance, PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws. PayPal owns the interest or other earnings on these investments. However, the claim against PayPal represented by funds held in your Balance Account is not secured by these investments and you do not have any ownership interest (either legal or beneficial) in these investments. These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.	PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws . PayPal is not a bank and does not itself take deposits .	https://www.paypal.com/us/legalhub/useragreement-full
If you have a PayPal Debit Mastercard® (PayPal Debit Card), have enrolled in Direct Deposit, or have bought or received cryptocurrency, the U.S. dollar funds held in your Balance Account will be placed by PayPal, as your agent and custodian, in one or more Program Banks where they will be eligible for FDIC pass-through insurance, as further detailed in the PayPal Balance Terms and Conditions. Your eligibility for FDIC pass-through insurance only applies to U.S. dollar funds placed by PayPal in a Program Bank on your behalf. It does not apply to funds held in any non-U.S. dollar currencies, nor does it apply to any amounts held in cryptocurrencies. You will not receive any interest or other return on funds placed in Program Banks, and PayPal may be compensated for placing your funds with a Program Bank.	Your eligibility for FDIC pass-through insurance only applies to U.S. dollar funds placed by PayPal in a Program Bank on your behalf . It does not apply to funds held in any non-US dollar currencies, nor does it apply to any amounts held in cryptocurrencies .	https://www.paypal.com/us/legalhub/useragreement-full
If we have not verified the required identifying information, a balance in your business account can only be held in your business account and transferred to a linked bank account or debit card or you can request PayPal to send you the money by check (subject to a non-refundable fee of $1.50, which will be deducted from the amount of the withdrawal). Your balance may also be used to fund payments or money owed to PayPal, such as payments on your PayPal Working Capital account or monies owed for refunds or chargebacks.	A balance in your business account can only be held in your account and transferred to a linked bank account or debit card . Your balance may also be used to fund payments or money owed to PayPal, such as payments on	https://www.paypal.com/us/legalhub/useragreement-full
PayPal is not a bank and does not itself take deposits. You will not receive any interest or other return on the funds held with PayPal. PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws. PayPal owns the interest or other earnings on these investments. However, the claim against PayPal represented by your PayPal funds is not secured by these investments and you do not have any ownership interest (either legal or beneficial) in these investments. These pooled amounts are held apart from PayPal’s corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy.	PayPal is not a bank and does not itself take deposits . You will not receive any interest or other return on the funds held with PayPal . PayPal combines your PayPal funds with the PayPal funds of other PayPal users .	https://www.paypal.com/us/legalhub/useragreement-full
To protect us and our users from loss, we may delay a withdrawal, in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal, or dispute by a buyer). If we place a limitation on your PayPal account, a payment is subject to a hold, or your account or an associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or negative balance is fully paid off.	To protect us and our users from loss, we may delay a withdrawal, in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal . If we place a limitation or hold, a payment	https://www.paypal.com/us/legalhub/useragreement-full
If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. The transaction exchange rate is adjusted regularly and includes a currency conversion spread applied and retained by us on a base exchange rate to form the rate applicable to your conversion. The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day; or, if required by law or regulation, set at the relevant government reference rate(s).	If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange . Base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior	https://www.paypal.com/us/legalhub/useragreement-full
When your payment is funded by a debit or credit card and PayPal determines a currency conversion is necessary, you consent to and authorize PayPal to convert the currency in place of your debit or credit card issuer. You may have the right to have your card issuer perform the currency conversion, if applicable for that card issuer and network. Currency preference selections may be presented to you in various forms, including setting the currency of your card, a choice of which currency is used for the transaction, whether PayPal or your card issuer performs the conversion, or which conversion rate is used for the transaction, and may be made available individually for each card and for each automatic payment agreement. If your card issuer converts the currency, your card issuer will determine the currency conversion rate and what fees they may charge.	When your payment is funded by a debit or credit card and PayPal determines a currency conversion is necessary, you consent to and authorize PayPal to convert the currency in place of your card issuer . Your card issuer will determine the currency conversion rate and what fees they may charge .	https://www.paypal.com/us/legalhub/useragreement-full
You can send money to a friend or family member using the send money feature in your PayPal account. You can send money to a friend or family member even if they don’t have an eligible PayPal account at the time you send them money, using their email address or mobile number in any currency that PayPal supports, and you can choose which payment method you want to use. If the person to whom you are sending money does not have an eligible PayPal account, they can claim it by opening an eligible PayPal account. If they don’t claim it, it will be refunded to you.	You can send money to a friend or family member using the send money feature in your PayPal account . If the person to whom you are sending money does not have an eligible PayPal account, they can claim it . If they don’t claim it	https://www.paypal.com/us/legalhub/useragreement-full
The fees applicable to sending personal transactions can be found on our Consumer Fees page and will be disclosed to you in advance each time you initiate sending a personal transaction to a friend or family member. If you convert money in your Balance Account balance or in your business account balance from one currency to another before sending money, PayPal’s transaction exchange rate (including our currency conversion spread) will be used. If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer.	The fees applicable to sending personal transactions can be found on our Consumer Fees page . If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer	https://www.paypal.com/us/legalhub/useragreement-full
You can also use the send money feature in your PayPal account to pay for goods or services. You will not be charged any transaction fee for sending money to purchase goods or services as long as you send the money as a commercial transaction (often referred to as using the “send money for goods and services” feature in your PayPal account). In that case, the seller will pay a fee. You must not send money as a personal transaction (often referred to as using the “send money to a friend or family member” feature in your PayPal account) when you are paying for goods or services. Note that the “send money to a friend or family member” feature may not be available when sending money to a business account as such accounts are not eligible to receive personal transactions.	You will not be charged any transaction fee for sending money to purchase goods or services as long as you send the money as a commercial transaction . In that case, the seller will pay a fee . The “send money to a friend or family member” feature may not be available in a business account as such accounts are not eligible	https://www.paypal.com/us/legalhub/useragreement-full
When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction (but no longer than 30 days). If you used a debit or credit card as the payment method, your debit or credit card issuer also may show a pending authorization for a period of time until they release the hold or receive a completed transaction. If your payment requires a currency conversion by us, PayPal’s transaction exchange rate (including a currency conversion spread) will be used, and may be the rate at the time the payment is processed.	When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction . In these instances, your payment may appear as a pending order in your PayPal account . If your payment requires a currency conversion by us, PayPal’s transaction exchange rate (including a currency	https://www.paypal.com/us/legalhub/useragreement-full
When PayPal identifies a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. When this happens, PayPal will place a hold on the transaction and notify the seller to delay shipping of the item. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action.	PayPal identifies a potentially high-risk transaction before allowing it to proceed . PayPal will place a hold on the transaction and notify the seller to delay shipping of the item . As a buyer, this may delay your receipt of the	https://www.paypal.com/us/legalhub/useragreement-full
If you have a personal account, you may cancel a recurring automatic payment 3 Business Days or more before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center, or by calling PayPal at (888) 221-1161. If you order us to stop one of these payments 3 Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.	If you order us to stop one of these payments 3 Business Days before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages . PayPal	https://www.paypal.com/us/legalhub/useragreement-full
If you have given advance authorization, either to a seller or to PayPal, that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis (for example, every month or otherwise on a routine billing cycle), and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made. If the seller provides the option, you may choose to receive this advance notice only when the amount of your automatic payment will fall outside a range established between you and the seller.	You have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made . If the seller provides the option, you may choose to receive this advance notice only when the amount of your automatic payment will	https://www.paypal.com/us/legalhub/useragreement-full
If you used a bank account linked to a personal account as the payment method for the transaction, we will attempt to refund the money to your bank account. If we are unable to do so, we will refund the money to your linked Balance Account if you have one. If you do not have a Balance Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal accounts.	If you used a bank account linked to a personal account as the payment method for the transaction, we will attempt to refund the money to your bank account . If we are unable to do so we will refund	https://www.paypal.com/us/legalhub/useragreement-full
Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method.	Certain one-time online transactions may require that a backup funding method be used . Backup funding method may be displayed to you on your transaction review page . This only applies for online transactions, and not for in-store or automatic payments .	https://www.paypal.com/us/legalhub/useragreement-full
When you send personal transactions to friends and family within the U.S. using balance in your Balance Account linked to your personal account, the balance in your business account, or your bank account, we waive all fees, so we always show you these payment options first, even if you have a set preferred payment method for your online purchases. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Money page. If you select a payment method with a fee, we will always show you the fee before you send money.	PayPal waives all fees when you send personal transactions to friends and family within the U.S. using balance in your Balance Account linked to your personal account . If you select a payment method with a fee, we will always show you the fee	https://www.paypal.com/us/legalhub/useragreement-full
If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable (for example, because it is expired or has insufficient funds) the payment method used will be in the following order, if applicable: 1. Balance Account (if one is linked to your personal account) or balance in your business account (if we’ve been able to verify the required identifying information you provide to us); 2. Bank account; 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. Debit card; 6. Credit card; and 7. E-check. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable.	If you have not set a preferred payment method for an automatic payment agreement, the payment method used will be in the following order, if applicable . This is also the order of payment methods that will be used if a previously selected payment method is unavailable .	https://www.paypal.com/us/legalhub/useragreement-full
If you use your PayPal account to pay for an item and you select your bank account as the funding method for the transaction, remember that your PayPal account is issued to you by PayPal and not your bank. The terms, benefits, and protections associated with your PayPal account may vary from those that apply to your bank account. If you use your PayPal account to make a purchase that exceeds the balance in your linked bank account, you could incur overdraft fees, even if you chose not to allow overdrafts with your bank. Similarly, the liability limits applicable to your PayPal account may differ from those applicable to your bank account.	Your PayPal account is issued to you by PayPal and not your bank . The terms, benefits, and protections associated with your PayPal account may vary from those that apply to your bank account . If you use your account to make a purchase that exceeds the balance in your linked	https://www.paypal.com/us/legalhub/useragreement-full
All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer. Pay with Rewards is only available for eligible purchases with certain merchants, and PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any time in accordance with this user agreement and your card agreement. Your issuer determines the value of rewards redeemed through PayPal and available redemption methods (e.g., to pay for your purchase or for a statement credit).	All Pay with Rewards redemptions are subject to the terms of your card agreement with your card issuer . PayPal or your issuer may limit, suspend, or terminate your ability to redeem rewards at any	https://www.paypal.com/us/legalhub/useragreement-full
If you use the PayPal application on your mobile phone, you may store loyalty card numbers or bar codes, where applicable, for certain sellers in your PayPal account. When you store your loyalty card numbers or bar codes in your PayPal account, you will earn any rewards, subject to the seller’s loyalty card terms and conditions, at the time you make your payment to the merchant by presenting the stored loyalty card number or bar code to the seller at the point of sale. It is your responsibility to make sure you have entered your loyalty card information correctly and that you update it as necessary. It is also your responsibility to ensure that you are receiving the rewards to which you are entitled. PayPal is not responsible for managing your loyalty card account by offering this service and any questions about your loyalty card or associated rewards program should be directed to the seller who offers the card.	If you use the PayPal application on your mobile phone, you may store loyalty card numbers or bar codes for certain sellers . PayPal is not responsible for managing your loyalty card account by offering this service .	https://www.paypal.com/us/legalhub/useragreement-full
You must treat PayPal and/or Venmo payment methods or marks at least on par with any other payment methods or marks offered or displayed at your points of sale where PayPal or Venmo branded services are integrated, including your websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal or Venmo services or marks.	You must treat PayPal and/or Venmo payment methods or marks at least on par with other payment methods . This includes logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees .	https://www.paypal.com/us/legalhub/useragreement-full
In representations to your customers or in public communications, you must not mischaracterize any PayPal or Venmo services or exhibit a preference for other payment methods over PayPal or Venmo services. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or Venmo services or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal or Venmo, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising, and other customer communications) you agree to display the PayPal or Venmo services payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods.	In representations to your customers or in public communications, you must not mischaracterize any PayPal or Venmo services or exhibit a preference for other payment methods . Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal . If you enable your customers to pay you with PayPal	https://www.paypal.com/us/legalhub/useragreement-full
Our fees do not include any taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”). It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction.	PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction . It is your responsibility to assess, collect, report and remit	https://www.paypal.com/us/legalhub/useragreement-full
You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. For example, PayPal is required to report to the Internal Revenue Service the total amount of payments for goods and services you receive each calendar year into all of your PayPal accounts associated with the same tax identification number once you receive more than (i) $20,000 in payments for good and services and (ii) process more than 200 transactions involving goods or services through those PayPal accounts in the same calendar year (the “Reporting Threshold”). After December 31, 2021, the Reporting Threshold will be reduced to $600 in aggregate payments for goods or services, with no minimum transaction requirement. PayPal is also required to report payments for goods and services to applicable state and local governments.	You acknowledge that we may make certain reports to tax authorities regarding transactions that we process . PayPal is required to report to the Internal Revenue Service . After December 31, 2021, the Reporting Threshold will be reduced to $600 in aggregate payments for goods or services .	https://www.paypal.com/us/legalhub/useragreement-full
PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal’s Seller Protection program if they meet PayPal’s Seller Protection program requirements. We will notify you about payment reviews by email and/or through your PayPal account.	PayPal reviews certain potentially high-risk transactions . PayPal will place a hold on the payment and provide notice to you to delay shipping . If the payment is completed, PayPal will cancel the payment . All payments that complete this payment review will be eligible for PayPal’s Seller Protection program .	https://www.paypal.com/us/legalhub/useragreement-full
If you are a charity and hold a PayPal account, you may be eligible to participate in PayPal Giving Fund programs. PayPal Giving Fund is a Donor Advised Fund (DAF) recognized by the Internal Revenue Service (IRS) under Section 501(c)(3) of the Code as a tax-exempt public charity (Federal Tax ID: 45-0931286). If you meet the eligibility requirements in the Nonprofit Certification Policy and are either a “Public Charity” under Section 509(a) of the Code or a "Private Operating Foundation" under IRS regulations, you may be automatically enrolled with PayPal Giving Fund upon acceptance of this user agreement. You will receive an email from us confirming your enrollment. Your relationship with PayPal Giving Fund will be governed by the Nonprofit User Agreement, including receiving email communications from PayPal Giving Fund about its current and future partners about its programs. You can opt out of email communications at any time in your PayPal Giving Fund profile. If you don’t want to be enrolled or receive donations from PayPal Giving Fund, you can opt-out at any time by contacting us. For more information, please see PayPal Giving Fund’s Policies.	PayPal Giving Fund is a Donor Advised Fund (DAF) recognized by the Internal Revenue Service (IRS) under Section 501(c)(3) of the Code as a tax-exempt public charity (Federal Tax ID: 45-0931286) If you are a charity and hold a PayPal account, you may be eligible to participate . You can opt out of email communications at any time in your profile .	https://www.paypal.com/us/legalhub/useragreement-full
Once you have access to any account statement(s) or other account activity information made available to you by PayPal with respect to your business account(s), you will have sixty (60) days to notify PayPal in writing of any errors or discrepancies with respect to the pricing or other fees applied by PayPal. If you do not notify PayPal within such timeframe, you accept such information as accurate, and PayPal shall have no obligation to make any corrections, unless otherwise required by applicable law. For the purposes of this provision, such pricing or fee errors or discrepancies are different than Unauthorized Transactions and other electronic transfer Errors which are each subject to different notification timeframes as set forth in this user agreement.	PayPal has 60 days to notify PayPal in writing of any errors or discrepancies with respect to the pricing or other fees applied by PayPal . If you do not notify PayPal within such timeframe, you accept such information as accurate .	https://www.paypal.com/us/legalhub/useragreement-full
If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees (including any applicable chargeback fee or Dispute fee). Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account. If a currency conversion is necessary (for example if the balance in your Balance Account or your business account for a particular currency is insufficient to cover the amount of a refund or reversal, or if the buyer paid in a different currency), PayPal will perform a currency conversion in order to refund or reverse the transaction. PayPal’s transaction exchange rate (including our currency conversion spread) at the time the refund or reversal is processed will be used.	Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account . PayPal’s transaction exchange rate at the time the refund or reversal is processed will be used . If a balance in your Balance Account or your business account for a particular currency is insufficient to cover the amount of a refund or	https://www.paypal.com/us/legalhub/useragreement-full
When you receive a payment, you are liable to PayPal for the full amount of the payment sent to you plus any fees if the payment is later invalidated or reversed for any reason. If the buyer paid in another currency, the full amount of that payment may be calculated in that currency, using the PayPal transaction exchange rate (including our currency conversion spread) that applies at the time the refund or reversal is processed. If the balance in your Balance Account or business account doesn’t cover the payment amount due plus the fees, we may use any of the payment methods linked to your PayPal account to cover the amount due. If the payment methods linked to your PayPal account don’t cover the amount due, this will result in a negative balance. A negative balance represents an amount that you owe to us, and, in this situation, you must immediately add funds to your balance to resolve it. If you don’t, PayPal may:	When you receive a payment, you are liable to PayPal for the full amount of the payment sent to you plus any fees if the payment is later invalidated or reversed for any reason . If the balance in your Balance Account or business account doesn’t cover the payment amount due plus the fees, PayPal may use any payment methods linked to your PayPal account to cover the amount due . A negative	https://www.paypal.com/us/legalhub/useragreement-full
PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal Guest Checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table, then the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided.	PayPal will charge a Dispute fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal Guest Checkout . The fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a	https://www.paypal.com/us/legalhub/useragreement-full
The Dispute fee amount will be determined when the dispute case is created. The fee is based on the ratio of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank.	The fee is based on the ratio of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months . Your total claims include all claims filed directly with and escalated to PayPal or with the buyer's card issuer or bank .	https://www.paypal.com/us/legalhub/useragreement-full
You should read and understand PayPal’s Purchase Protection program, Venmo’s Protected Purchase Program, and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find information about PayPal’s protection programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding user agreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement.	PayPal's Purchase Protection program and Venmo's Protected Purchase Program offer protection to buyers . Buyers’ rights under these programs may impact you as a seller . You should read and understand PayPal’s protection programs .	https://www.paypal.com/us/legalhub/useragreement-full
Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve. Account holds or limitations may impact your ability to move funds to or from your PayPal Savings account.	PayPal may take account-level or transaction-level actions . Account holds or limitations may impact your ability to move funds to or from your PayPal Savings account . To request information in connection with an account limitation, hold or reserve, visit the resolution center .	https://www.paypal.com/us/legalhub/useragreement-full
Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. You agree that we have no obligation to disclose the details of our risk management or security procedures to you.	PayPal may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account . You agree PayPal has no obligation to disclose details of our risk management or security procedures to you .	https://www.paypal.com/us/legalhub/useragreement-full