paragraph
stringlengths 436
2.44k
| highlight
stringlengths 171
486
| id
stringclasses 1
value |
|---|---|---|
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 |
We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with state or federal regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold. | PayPal may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you . We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal | https://www.paypal.com/us/legalhub/useragreement-full |
Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days). | Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account . We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction | https://www.paypal.com/us/legalhub/useragreement-full |
If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third party directly. | A hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third party . This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third party | https://www.paypal.com/us/legalhub/useragreement-full |
If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account. | PayPal may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed . If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, | https://www.paypal.com/us/legalhub/useragreement-full |
Unless a permanent limitation is placed on your account, you will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability. | Unless a permanent limitation is placed on your account, you will need to resolve any issues with your account before a limitation can be removed . PayPal may take action to protect PayPal, our users | https://www.paypal.com/us/legalhub/useragreement-full |
We may place a reserve on your business account at any time if we believe there may be a high level of risk associated with you, your business account, your business model, or your transactions. When we place a reserve on your business account, it means that all or some portion of the money in your business account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your business account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. | We may place a reserve on your business account at any time if we believe there may be a high level of risk associated with you, your account, your business model, or your transactions . We make decisions based on a number of factors, including information available to us from both internal sources and from | https://www.paypal.com/us/legalhub/useragreement-full |
If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days. | PayPal may be required to take certain actions, including holding payments to/from your PayPal account . We will decide, in our sole discretion, which action is required of us . We do not have an obligation to contest or appeal any court order or legal process involving you . | https://www.paypal.com/us/legalhub/useragreement-full |
Also, if your PayPal account statement shows transfers that you did not make, including those made with your PayPal login information or by other means, tell us at once. If you do not tell us within 60 days after we provided the statement to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. | PayPal transfers that you did not make, including those made with your PayPal login information or by other means, tell us at once . If you do not tell us within 60 days after we provided the statement to you, you may not get back any | https://www.paypal.com/us/legalhub/useragreement-full |
We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your PayPal account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days, we may not credit your PayPal account. | We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly . If we need more time, however, we may take up to 45 days to investigate your complaint or question . We will credit your PayPal account within 10 | https://www.paypal.com/us/legalhub/useragreement-full |
If you provide us your mobile phone number, you agree that PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your PayPal branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt. We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent. You do not have to agree to receive autodialed or prerecorded message calls or texts to your mobile phone number in order to use and enjoy the products and services offered by PayPal. You can decline to receive autodialed or prerecorded message calls or texts to your mobile phone number by updating your preferences in your PayPal account settings at www.paypal.com, by contacting customer support, by calling us at 1-844-629-9108, or by replying STOP to a message. The frequency of messages may vary, and standard telephone minute and text charges may apply. Neither we nor your phone carriers are liable for delayed or undelivered messages. | PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your PayPal branded accounts, (ii) investigate or prevent fraud, or (iii) collect a debt . The frequency of messages may vary, and standard telephone minute and text charges may apply . We will not share your mobile phone number with third parties without your consent . | https://www.paypal.com/us/legalhub/useragreement-full |
You understand and agree that, to the extent permitted by law, PayPal may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with PayPal or its agents for quality control and training purposes or for our own protection. You acknowledge and understand that while your communications with PayPal may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by PayPal, and PayPal does not guarantee that recordings of any particular telephone calls will be retained or retrievable. | PayPal may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with PayPal or its agents . PayPal does not guarantee that recordings of any particular telephone calls will be retained or | https://www.paypal.com/us/legalhub/useragreement-full |
PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account. | PayPal reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems (including any networks and servers used to provide any of the PayPal services) PayPal | https://www.paypal.com/us/legalhub/useragreement-full |
If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal. PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive. If you have more than one PayPal account, we may set off a negative balance in one PayPal account against a balance in your other PayPal account(s), including a Balance Account. If you continue using your PayPal account when it has a negative balance, you authorize PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction. | If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal . PayPal may deduct these amounts from funds that are added to your account later, either by you or from payments you receive . If you have more than one PayPal account, | https://www.paypal.com/us/legalhub/useragreement-full |
If you hold funds in a PayPal account in multiple currencies, and the balance for one of the currencies becomes negative for any reason, PayPal may set off the negative balance by using funds you maintain in a different currency. If you have a negative balance in non-U.S. dollars for a period of 21 days or longer, PayPal will convert this negative balance to U.S. dollars. In either case, a currency conversion will be necessary, and PayPal’s transaction exchange rate (including our currency conversion spread) will be used. | If you have a negative balance in non-U.S. dollars for a period of 21 days or longer, PayPal will convert this negative balance to US dollars . In either case, a currency conversion will | https://www.paypal.com/us/legalhub/useragreement-full |
You must indemnify PayPal for actions related to your PayPal account and your use of the PayPal services. You agree to defend, indemnify and hold PayPal harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the PayPal services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your PayPal account or access our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, or any of the PayPal services on your behalf. | You must indemnify PayPal for actions related to your PayPal account and your use of the PayPal services . You agree to defend, indemnify and hold PayPal harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party . | https://www.paypal.com/us/legalhub/useragreement-full |
PayPal’s liability is limited with respect to your PayPal account and your use of the PayPal services. In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services, or this user agreement (however arising, including negligence), unless and to the extent prohibited by law. | PayPal’s liability is limited with respect to your PayPal account and your use of the PayPal services . PayPal will not be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data | https://www.paypal.com/us/legalhub/useragreement-full |
Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. In addition, to the extent permitted by applicable law, PayPal is not liable, and you agree not to hold PayPal responsible, for any damages or losses (including, but not limited to, loss of money, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages) resulting directly or indirectly from: (1) your use of, or your inability to use, our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, or any of the PayPal services; (2) delays or disruptions in our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf and any of the PayPal services; (3) viruses or other malicious software obtained by accessing our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or any of the PayPal services or any website or service linked to our websites, software or any of the PayPal services; (4) glitches, bugs, errors, or inaccuracies of any kind in our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or any of the PayPal services or in the information and graphics obtained from them; (5) the content, actions, or inactions of third parties; (6) a suspension or other action taken with respect to your PayPal account; or (7) your need to modify your practices, content, or behavior, or your loss of or inability to do business, as a result of changes to this user agreement or PayPal’s policies. | PayPal is not liable, and you agree not to hold PayPal responsible, for any damages or losses resulting directly or indirectly from your use of, or your inability to use, our websites, software, systems . Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages . | https://www.paypal.com/us/legalhub/useragreement-full |
PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. | PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner . PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems . | https://www.paypal.com/us/legalhub/useragreement-full |
If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections (whether statutory or otherwise, for example, California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release. | If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way | https://www.paypal.com/us/legalhub/useragreement-full |
If a dispute arises between you and PayPal, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the PayPal services may be reported to customer service online through the PayPal Help Center at any time, or by calling (888) 221-1161 from Mon-Fri 5:00 AM to 10:00 PM PT and Sat-Sun 6:00 AM to 8:00 PM PT. | If a dispute arises between you and PayPal, our goal is to learn about and address your concerns . If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost | https://www.paypal.com/us/legalhub/useragreement-full |
You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration or in small claims court. You or PayPal may assert claims in small claims court instead of in arbitration if the claims qualify and so long as the matter remains in small claims court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate. | You and PayPal each agree that disputes or claims that have arisen or may arise between you and PayPal shall be resolved exclusively through final and binding arbitration or in small claims court . Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate . You or PayPal may assert claims in small | https://www.paypal.com/us/legalhub/useragreement-full |
Before bringing any dispute or claim, you or PayPal must first send the other party, by certified mail, a completed Notice of Dispute. You should send this notice to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including but not limited to: your or PayPal’s signature, the email address and phone number associated with the customer’s PayPal account, a description of the nature and basis of the claims that are being asserted, a statement of the specific relief sought, and any relevant documents and supporting information reasonably available to the claiming party. | Before bringing any dispute or claim, you or PayPal must first send the other party a completed Notice of Dispute . PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date . | https://www.paypal.com/us/legalhub/useragreement-full |
You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect other PayPal customers. | You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding . The arbitrator(s) may not consolidate or join more than one person’s | https://www.paypal.com/us/legalhub/useragreement-full |
Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. All issues are for the arbitrator to decide, except that a court of competent jurisdiction shall decide issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate and issues that this Agreement to Arbitrate indicates that a court can resolve. | Arbitration is more informal than a lawsuit in court . Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury . The arbitrator can award the same damages and relief on an individual basis that a court | https://www.paypal.com/us/legalhub/useragreement-full |
Any arbitration will be administered by the American Arbitration Association (referred to as the "AAA"). For all claims in which the value of the relief sought is $10,000 or less, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply without exception. For all other claims, the AAA’s rules, including, as applicable, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. The AAA’s rules are available at www.adr.org. In the event that the AAA is unavailable to administer the arbitration, another administrator will be selected by the parties or by the court. | Any arbitration will be administered by the American Arbitration Association (referred to as the "AAA") For all claims in which the value of the relief sought is $10,000 or less, the AAA’s Consumer Arbitration | https://www.paypal.com/us/legalhub/useragreement-full |
Any arbitration hearings shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $25,000 or less, the arbitration will be conducted based solely on written submissions, unless any party requests an in-person, telephonic, or videoconference hearing or the arbitrator decides that a hearing is necessary. In cases where an in-person hearing is held, you and/or PayPal may attend by telephone or videoconference, unless the arbitrator requires otherwise. | If the value of the relief sought is $25,000 or less, the arbitration will be conducted based solely on written submissions . In cases where an in-person hearing is held, | https://www.paypal.com/us/legalhub/useragreement-full |
The arbitrator will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. No court or arbitrator shall be bound by rulings in prior arbitrations involving different PayPal customers, but a court or arbitrator will be bound by rulings in prior arbitrations involving the same PayPal customer to the extent required by applicable law. The award of the arbitrator shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. | The award of the arbitrator shall be final and binding, and judgment on the award may be entered in any court having jurisdiction thereof . The arbitrator will decide the substance of all claims in accordance with applicable law . | https://www.paypal.com/us/legalhub/useragreement-full |
Payment of all AAA or arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, PayPal will pay all AAA or arbitrator fees associated with the arbitration. Any request for payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the AAA or arbitrator fees as the arbitrator deems necessary to prevent the cost of accessing the arbitration from being prohibitive. In the event the arbitrator determines that either the substance of your or PayPal’s claim or the relief sought was frivolous or brought for an improper purpose, then you or PayPal may seek to recover from you or PayPal any fees it paid, including attorneys’ fees, to the extent permitted by the AAA’s rules and applicable law. | Payment of all AAA or arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate . If the value of the relief sought is $10,000 or less, at your request, PayPal will pay the fees associated with the arbitration . Payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration . | https://www.paypal.com/us/legalhub/useragreement-full |
With the exception of any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in court. All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms. | With the exception of any of the provisions in the Prohibition of Class and Representative Actions and Non-Individualized Relief section above, the other parts of this Agreement to Arbitrate shall still apply . If a court decides that any part of the agreement to arbitrate is invalid or unenforceable, the | https://www.paypal.com/us/legalhub/useragreement-full |
For your convenience, we are providing an opt-out notice form you must complete and mail to opt out of this Agreement to Arbitrate. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of this Agreement to Arbitrate, all other parts of the user agreement will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us. | You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies . Opting out of this Agreement to Arbitrate has no effect | https://www.paypal.com/us/legalhub/useragreement-full |
Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal or you prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before the effective date of the amendments and by providing notice through email. If you do not agree to these amended terms, you may close your PayPal account within the 30-day period and you will not be bound by the amended terms. | We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before the effective date of the amendments . If you do not agree to these amended terms, you may close your PayPal account within the 30-day period . | https://www.paypal.com/us/legalhub/useragreement-full |
"PayPal.com," "PayPal," and all logos related to the PayPal services are either trademarks or registered trademarks of PayPal or PayPal’s licensors. You may not copy, imitate, modify or use them without PayPal’s prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by PayPal for the purpose of directing web traffic to the PayPal services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes PayPal or the PayPal services or display them in any manner that implies PayPal’s sponsorship or endorsement. All right, title and interest in and to the PayPal websites, any content thereon, the PayPal services, the technology related to the PayPal services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of PayPal and its licensors. | "PayPal.com" and all logos related to the PayPal services are either trademarks or registered trademarks of PayPal . You may not copy, imitate, modify or use them without PayPal’s prior written consent . All page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. | https://www.paypal.com/us/legalhub/useragreement-full |
If you are using PayPal software such as an API, developer’s toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then PayPal grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use PayPal’s software in accordance with the documentation accompanying such software. This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services. If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. PayPal may update or discontinue any software upon notice to you. While PayPal may have (1) integrated certain third-party materials and technology into any web or other application, including its software, and/or (2) accessed and used certain third-party materials and technology to facilitate providing you with the PayPal Services, you have not been granted and do not otherwise retain any rights in or to any such third-party materials. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third-party materials or technology, or otherwise create any derivative works from any of the software or third-party materials or technology. You acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal and any third-party materials integrated therein are owned by PayPal’s third-party service providers. Any other third-party software application you use on the PayPal websites is subject to the license you agreed to with the third party that provides you with this software. You acknowledge that PayPal does not own, control nor have any responsibility or liability for any such third-party software application you elect to use on any of our websites, software and/or in connection with the PayPal services. | If you are using PayPal software such as an API, developer’s toolkit or other software application, then PayPal grants you a license to access and/or use PayPal's software . This license grant applies to the software and all updates, upgrades, new versions and replacement software . You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services . PayPal may update or discontinue any software upon notice to you . | https://www.paypal.com/us/legalhub/useragreement-full |
PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. Nor does PayPal claim ownership of the content you host on third-party websites or applications that use PayPal services to provide payments services related to your content. Subject to the next paragraph, when you provide content to PayPal or post content using PayPal services, you grant PayPal (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. PayPal will not compensate you for any of your content. You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal. | PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal . You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights . You agree to waive your moral rights and promise not to assert such rights against PayPal . | https://www.paypal.com/us/legalhub/useragreement-full |
Notwithstanding the provisions of the prior paragraph, if you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable (through multiple tiers), and royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark(s) (including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you) for the purpose of (1) identifying you as a merchant that accepts a PayPal service as a payment form, and (2) any other use to which you specifically consent. | If you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable (through multiple tiers), and royalty-free, fully paid-up, right | https://www.paypal.com/us/legalhub/useragreement-full |
“Business Day(s)” means Monday through Friday, excluding holidays when PayPal’s offices are not considered open for business in the U.S. Holidays include New Year’s Day (January 1), Martin Luther King, Jr.’s Birthday (the third Monday in January), George Washington’s Birthday (the third Monday in February), Memorial Day (the last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in November) and Christmas Day (December 25). If a holiday falls on a Saturday, PayPal observes the holiday on the prior Friday. If the holiday falls on a Sunday, PayPal observes the holiday on the following Monday. | “Business Day(s)” means Monday through Friday, excluding holidays when PayPal’s offices are not considered open for business in the U.S. Holidays such as New Year's Day (January 1), Memorial Day (the last Monday in May), | https://www.paypal.com/us/legalhub/useragreement-full |
If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Balance Account to your primary address (if we have verified the required identifying information that you have provided to us) or, if required, escheat (send) those funds to your state of residency. PayPal will determine your state of residency based on the state listed in the primary address for your PayPal account. If your address is unknown or registered in a foreign country, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the State of Delaware. Where required, PayPal will send you a notice prior to escheating any funds in your PayPal account, including any balance in a linked Balance Account. If you fail to respond to this notice, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the applicable state. If you would like to claim any escheated funds from the applicable state, please contact the applicable state’s unclaimed property administrator. | PayPal may close your PayPal account and send funds in the PayPal account to your primary address . PayPal will determine your state of residency based on the state listed in the primary address for your account . If your address is unknown or registered in a foreign country, the funds will be escheated to the State of Delaware . | https://www.paypal.com/us/legalhub/useragreement-full |
In addition to reporting complaints against PayPal directly to PayPal as described above, if you are a California resident, you may report complaints to the Department of Financial Protection & Innovation by mail at Department of Financial Protection & Innovation, Attn: Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 or online through its website at https://dfpi.ca.gov/file-a-complaint/. The Department of Financial Protection & Innovation offers assistance with its complaint form by phone at 866-275-2677. If you are a California resident, you have a right to receive communications about your PayPal account and the PayPal services by email. To make such a request, send a letter to PayPal to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California 95131), include your email address, and your request for that information by email. | If you are a California resident, you have a right to receive communications about your PayPal account and the PayPal services by email . The Department of Financial Protection & Innovation offers assistance by phone at 866-275-2677 . | https://www.paypal.com/us/legalhub/useragreement-full |
If you (as a seller) receive personal data about another PayPal customer, you must keep such personal data confidential and only use it in connection with the PayPal services. You may not disclose or distribute any personal data about PayPal customers to a third party or use such personal data for marketing purposes unless you receive that customer’s express consent to do so. You may not send unsolicited emails to a PayPal customer or use the PayPal services to collect payments to send, or assist in sending, unsolicited emails to third parties. | If you (as a seller) receive personal data about another PayPal customer, you must keep such personal data confidential and only use it in connection with the PayPal services . You may not send unsolicited emails to a PayPal | https://www.paypal.com/us/legalhub/useragreement-full |
To the extent that you process any personal data about a PayPal customer pursuant to this agreement, you and PayPal will each be an independent data controller (and not joint controllers), meaning we will each separately determine the purposes and means of processing such personal data. We each agree to comply with the requirements of any applicable privacy and data protection laws, including any applicable regulations, directives, codes of practice, and regulatory requirements applicable to data controllers in connection with this agreement. We each also have and will follow our own independently-determined privacy statements, notices, policies, and procedures for any such personal data that we process in connection with this agreement. | To the extent that you process any personal data about a PayPal customer pursuant to this agreement, you and PayPal will each be an independent data controller (and not joint controllers), meaning we will each separately determine the purposes and means of processing such personal data . We each agree | https://www.paypal.com/us/legalhub/useragreement-full |
README.md exists but content is empty.
Use the Edit dataset card button to edit it.
- Downloads last month
- 37