service: name: PayPal
sector: Finance
date: 28.01.2022
document: text: PAYPAL USER AGREEMENT 
About Your Account 
This user agreement will be effective for all users as of January 28, 2022.  
Welcome to PayPal! 
These are the terms and conditions of the contract between you and PayPal (Europe) S.à 
r.l. et Cie, S.C.A. (“PayPal”) governing your use of your PayPal account and the PayPal 
services, which we call our user agreement. It applies only to PayPal accounts of 
residents of Poland. This user agreement does not apply to your use of PayPal's Xoom 
service, which is separately governed by the Xoom Legal Agreements. If you are an 
individual, you must be at least 18 years old and have full legal capacity to enter into a 
contract to open a PayPal account and use the PayPal services. If you are a business, the 
business must be registered in Poland. 
To use the PayPal services you need to open a PayPal account. By opening and using a 
PayPal account, you agree to comply with all of the terms and conditions in this user 
agreement. You also agree to comply with the following additional documents and each 
of the other documents on the Legal Agreements page that apply to you: 
• 
Fees page 
• 
PayPal's Buyer Protection program 
• 
PayPal's Seller Protection program 
• 
Acceptable Use Policy 
• 
Alternative Payment Methods Agreement 
• 
All future changes notified in the Policy Update already published on the “Legal 
Agreements” page. 
Please read carefully all of the terms and conditions of this user agreement and each of 
the other documents that apply to you. 
We may revise this user agreement and any of the documents listed above from time to 
time. The revised version will be effective at the time we post it, unless otherwise noted. 
If our changes reduce your rights or increase your responsibilities we will post a notice 
on the Policy Updates page of our website and provide notice to you of at least two 
months. By continuing to use our services after any changes to this user agreement take 
effect, you agree to be bound by those changes. If you do not agree with any changes, 
you may close your account before the changes take effect. 
Information about us and our service 
PayPal’s main business is the issuance of electronic money and the provision of payment 
services using that electronic money. 

For more information about us and our service, you can read our Key Payment and 
Service Information. 
This user agreement, together with other legal terms and legally required disclosures 
relating to your use of our service will be made available to you at all times on the PayPal 
website (typically located on the “Legal Agreements” page). We may also send this 
information to you. 
You may request a copy of any legally required disclosures (including this user 
agreement and the Key Payment and Service Information) from us and we will provide 
this to you in a form which allows you to store and reproduce the information (for 
example, by e-mail).  
Opening an account 
We offer two types of accounts: personal accounts and business accounts. 
Personal accounts 
With a personal account you can send and request money from friends and family and 
pay online for purchases. 
Holders of certain existing personal accounts may be required to upgrade their accounts 
(which may include providing further information to PayPal) in order to be able to use all 
of the current functionality available in a personal account. 
To use your PayPal account primarily to sell things, you must open a business account or 
convert your personal account to a business account. 
Business accounts 
Business accounts are for people and organizations (whether incorporated or not) that 
primarily use PayPal to receive online payments for sales or donations. 
Business accounts may be subject to fees that differ from the fees applicable to personal 
accounts. See our Fees for further details. 
By opening a business account or converting a personal account to a business account, 
you certify to us that you are using it primarily for a business or commercial purpose. 
Commercial Entity Status 
If the activity through any type of PayPal account you hold reaches certain thresholds or 
involves certain business segments or activities, you are required by the card networks to 
agree to Commercial Entity Agreements directly with our processing partners to allow 
you to continue accepting card-funded payments. In this case, these Commercial Entity 

Agreements will apply to any payment processed by PayPal on your behalf in addition to 
this user agreement. 
Safe use of your PayPal account 
You should take reasonable steps to stop your PayPal account being misused. You must 
maintain adequate security and control of any and all devices, items, IDs, passwords and 
personal identification numbers / codes that you use to access your PayPal account and 
the PayPal services. Please see our Key Payment and Service Information for guidelines. 
You must comply with all reasonable instructions we may issue regarding how you can 
keep your payment instrument safe. 
We may require you to authenticate any instruction relating to your account (i.e. give us 
the information that we need to be sure that it’s you giving us the instruction, such as 
submitting your correct log-in information – this could include your e-mail address and 
password) and otherwise successfully log into your PayPal account to provide to us your 
instruction. 
You must keep your postal address, email address, phone number of a phone to which 
you are the primary user and other contact information current in your PayPal account 
profile. 
You may expressly grant, remove and manage permissions for some third parties to take 
certain actions on your behalf. In some cases you can do this when logged into your 
account – in other cases you can do this directly with the third party. You acknowledge 
that if you grant permission for a third party to take actions on your behalf, we may 
disclose certain information about your account to this third party. 
You may permit third party service providers licensed by applicable law to: 
• 
Provide account information services to access information about your account on 
your behalf; 
• 
Confirm whether an amount necessary for the execution of a card-based payment 
transaction is available on your account; or 
• 
Provide payment initiation services to initiate payments from your account on 
your behalf. 
Granting permission to any third party to access your account in any way does not relieve 
you of any of your responsibilities under this user agreement. You are liable to us for the 
actions that you authorize the third parties to carry out. You will not hold us responsible 
for, and you will indemnify us from, any liability arising from the actions or inactions of 
such third parties in connection with the permissions you granted, subject to your 
mandatory legal rights. 
Closing Your PayPal Account 

You can close your account at any time. See the PayPal Help Center for how to do this. 
We may close your account at our convenience by providing you with 2 months’ prior 
notice. We may also close your account at any time if: 
1. You are in breach of this user agreement and/or we are otherwise entitled to close 
your account under this user agreement; 
2. You do not access your account for 3 years; or 
3. We suspect that your account has been accessed without your authorization. 
Where we decide to close your account we will provide you with notice of account 
closure and where practicable, the reasons for closing your account, together with the 
ability to withdraw any undisputed funds that we are holding. 
When your account is closed: 
• 
This user agreement terminates immediately, except that this user agreement 
survives termination to the extent and for so long as we require to deal with the 
closure of your account and to comply with applicable laws and regulations; 
• 
We may cancel any pending transactions and you will forfeit any balances 
associated with special funding arrangements; 
• 
We may suspend, limit or terminate your access to or use of our services, 
websites, software, systems (including any networks and servers used to provide 
any of the services) operated by us or on our behalf or some or all of the services; 
• 
You will remain liable for all outstanding obligations under this user agreement 
related to your account prior to closure; 
• 
We may keep your account information in our database for the purpose of 
fulfilling our legal obligations; and 
• 
We may retain your electronic money after closure to the extent and for the time 
we reasonably require to protect us and/or any third party against the risk of 
reversals, fees, fines, penalties and other liabilities of whatever nature. After this 
time you will be able to withdraw any undisputed funds that we are holding. 
Please Contact Us if you have any questions about funds held in your account on 
closure. 
If you are the legal representative of an incapacitated or deceased account holder, 
please Contact Us for assistance. 
In the event that we decide to discontinue any of our services or any portion or feature of 
our services for any reason, we will give you at least two months prior notice before 
discontinuing the service or feature, unless we determine in good faith that:  
• 
The service or feature must be discontinued sooner as required by law or a third-
party relationship; or  
• 
Doing so could create a security risk or substantial economic or material technical 
burden. 

Linking and Unlinking a Funding Source 
All money in your account is legally termed “electronic money”, which is recognized 
throughout the European Economic Area as a form of money suitable for use online. 
You can use a funding source as a way to pay us to obtain electronic money in your 
account or to receive withdrawals from your account, as further outlined in this user 
agreement (see in particular Adding or Withdrawing Money and Funding your Payment. 
You can link or unlink a credit card, debit card, a prepaid card (where available) a bank 
account or PayPal Credit (where available) to your PayPal account as a funding source. 
We may limit the availability of your funding sources to manage our risk. 
Please keep your funding source 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 contact your issuer to request this or remove 
your funding source from your PayPal account. If we update your funding source, we will 
keep any preference setting attached to that funding source. You may choose to confirm 
your card or bank account, so that we can verify that the card or bank account is valid and 
that you are its owner. We may allow you to do this by following the "Link and Confirm 
Card" process (for cards) or the "Bank Confirmation" process (for bank accounts) or 
other processes which we may notify to you or which we may publish from time to time. 
Your continuous permission for us to charge your funding sources 
By linking a funding source to your PayPal account, you give us continuous permission 
to automatically charge that funding source (subject to this user agreement and the terms 
of any mandate (e.g. bank direct debit) used by the provider of that funding source to set 
up and maintain that authority) for the required value of the electronic money: 
• 
To cover the payment amount (plus all transaction fees payable to us) when you 
use your account to send a payment to another user; and 
• 
To top up your account when you use the Add Funds functionality account 
interface. 
We may charge the funding source again if the previous attempt failed. If you cancel any 
continuous permission from your funding source, you will reimburse us for the value of 
any electronic money we’ve already issued for which a charge from that funding source 
remains outstanding. 
You can stop the permission by unlinking the funding source from your PayPal account. 
Risk of reversals to your funding source and when eCheques may arise 

When we receive a payment from your funding source we may store the resulting 
electronic money in your reserve account for as long as we have reason to believe that 
there is risk of reversal by the funding source provider. This is because we do not have all 
the information necessary to place the funds from your payment at your disposal in your 
PayPal balance while there is such a risk of reversal. 
When you instruct us to make a payment from your account to another user funded by a 
payment from your bank account and we store the resulting electronic money in this way, 
we call this type of payment from your bank account an “eCheque” payment. See 
Funding payments you send from your account below for how we use eCheques. 
Holding and using a PayPal balance 
You will not receive interest or any other earnings on the money in your account. This is 
because the money in your account is electronic money and European law forbids paying 
interest on electronic money. Also, electronic money is not a deposit or an investment 
under Luxembourg law, so the Luxembourg deposit guarantee or investor indemnity 
schemes administered by the Conseil des Protection des Deposants et des Investisseurs 
cannot protect you. 
We may store and move the money in your account in and between: 
• 
The PayPal balance; and  
• 
The reserve account,  
at any given time subject further to this user agreement. 
PayPal balance 
The operational part of your account contains your PayPal balance, which is the balance 
of money available for payments or withdrawals.  
When you use our payment service to pay another user, you instruct us to transfer the 
money from your PayPal balance to the recipient’s account.  
You need to have enough PayPal balance in cleared funds to cover the amount of any 
payment you make and the transaction fees you owe us at the time of the payment. Other 
requirements also apply – see the section Making a Payment below. If you have 
insufficient PayPal balance or have chosen a preferred funding source you are also 
requesting us to obtain funds on your behalf from your applicable funding source and 
issue electronic money to your PayPal balance for your payment to be made. 
When you withdraw your money you need to have enough PayPal balance to cover the 
value of any withdrawal at the time of the withdrawal. 

See Adding or Withdrawing Money to know how to get a PayPal balance and how to 
withdraw it. 
If your PayPal balance shows a negative amount, this is the net amount you owe to us at 
the given time.  
Reserve account 
Money marked in your account overview as “pending”, “uncleared”, “held” or otherwise 
restricted or limited at any given time is held in the part of your account which acts as a 
reserve account. You cannot access and use money stored in the reserve account. 
Adding or Withdrawing Money 
Adding money 
To get electronic money into your account you can, subject further to this user 
agreement: 
• 
Accept a payment in your account from someone else. We may charge you fees 
for this; or 
• 
Obtain electronic money from us by paying us an equivalent amount.  
You can obtain electronic money from us by: 
• 
Automatically using your applicable funding source(s) to cover the amount of the 
payments that you instruct us to send to other users (and the transaction fees 
payable by you to us).; or 
• 
Manually using the “Add Funds” function available from your account interface 
to pay us or instructing us to charge your funding source for the electronic money.  
The execution of any payment to us from your funding source provider is your funding 
source provider’s legal responsibility. We have no control over how long the payment to 
us will take. 
Withdrawing money 
If you have a PayPal balance, you may withdraw any amount by transferring it to your 
nominated funding source linked to your PayPal account, as we may allow from time to 
time. This could include your bank account or debit or credit card, depending on the 
country in which your PayPal account is registered. 
When you instruct us to withdraw any amount of your PayPal balance, subject further to 
this user agreement we will: 

• 
Convert the electronic money to money that we can transfer to your nominated 
funding source; and  
• 
Instruct our own bank to transfer that money to your nominated funding source.  
We aim to send the withdrawal payment instruction to our bank by the end of the next 
Business Day (“Business Day” means a day on which banks in Luxembourg are open to 
the general public) if there are no other delays subject to this user agreement. Once our 
bank receives our payment instruction, we have no control over how long the payment to 
you will take to complete. At this point, our bank, your funding source provider and the 
payment systems that they rely on take over responsibility for getting the money to your 
nominated funding source and this can affect the time it takes for you to receive your 
money. We may allow you to withdraw the money by transferring the money to: 
• 
An eligible bank account (where we make this available) through:  
o A standard transfer to your bank account linked to your account (this 
withdrawal/redemption functionality is sometimes known as “transfer to 
bank”); or 
o An Instant Transfer to your bank account linked to your account.  
We may allow the above transfers to be made through the debit card 
attached to that bank account. 
• 
Your branded MasterCard or Visa card (where we make this available). 
Fees apply to withdrawals. We will also disclose to you the fees in advance each time 
you initiate such a withdrawal. 
The funding source (for example, bank account or card) into which you request the 
withdrawal must be denominated in the original opening currency of your account or 
another currency that PayPal supports for withdrawals in your country of residence. 
You may only withdraw PayPal balance in the opening currency of your account, unless 
we agree otherwise. In order to withdraw PayPal balance held in another currency you 
will have to convert the currency to the opening currency of your account, or it will be 
converted for you at the time of your withdrawal. Our transaction exchange rate will be 
used. 
This means that if you withdraw: 
• 
A PayPal balance held in a currency other than the original opening currency of 
your account, the conversion into your original opening currency will be 
performed using our transaction exchange rate. 
• 
To a funding source (for example, bank account or card) denominated in a 
currency other than the original opening currency of your account, the conversion 
into the currency in which the funding source is denominated will be performed 
using our transaction exchange rate. 

Your issuer may also charge you if a currency conversion to the currency your card is 
issued in, is required. 
If you have a business account, this transactions exchange rate will not apply. Instead, 
you will pay a currency conversion fee applied on an external base exchange rate as 
described on the Fees Page (see also the "How We Convert Currency" section). 
To protect you, our other users and us from loss and to allow us to comply with our anti-
money laundering and other legal obligations, we may delay a withdrawal, in certain 
situations, including if we need to confirm that you have authorized the withdrawal or if 
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. 
We may set limits on your withdrawals, and you can view any withdrawal limit by 
logging into your PayPal account. You must follow the steps that we will notify to you or 
publish from time to time (which we may set out in your account overview) to lift your 
withdrawal limit. 
Managing Your Money in Multiple Currencies 
When you open your account, it is configured for use with the opening currency of your 
account. 
The opening currency of your account is Polish zloty (PLN). 
You may set the currency on your card. 
We may configure your account further so that you can use it to store money and send 
and receive payments in currencies other than the opening currency of your account. If 
you hold a PayPal balance, we may allow you to convert it to balance in another 
currency. 
If your PayPal balance is not enough to cover the amount of a payment you instruct us to 
make in a particular currency, we may perform a currency conversion from any PayPal 
balance in another currency to cover the shortfall. There may be some restrictions on 
where you can send payments in certain currencies. 
We may allow you to choose the way in which your account treats and/or converts 
payments received in currencies other than the opening currency of your account. To 
receive money in a currency other than the opening currency of your account, it may be 
necessary to create a balance in that currency or convert the money into another currency 
that we allow you to hold. 

Payments in certain currencies can only be received by automatic conversion of the 
money into another currency that we allow you to hold. 
If you receive a payment from anyone who doesn’t have a PayPal account and that 
payment is in a currency which your account is not currently configured to use, we may 
automatically convert the amount received into a currency that your account is configured 
to use at the time the payment is made. 
Please see the Withdrawing Money section above to see how withdrawals in different 
currencies can be made. 
If one of the currency balances in your account shows that you owe us an amount of 
funds for any reason, we may set off the amount you owe us by using funds you maintain 
in a different currency balance or by deducting amounts you owe us from money you 
receive into your account, or money you attempt to withdraw or send from your account, 
or in a different account, and by deducting funds from any withdrawals you attempt to 
make. If, for a period of 21 days, you have a PayPal balance that reflects an amount 
owing to us that is not in Polish zlotys (PLN), we may convert the amount you owe us to 
Polish zlotys (PLN). 
We may, at our discretion, impose limits on the amount of money you can convert or the 
number of conversions you can perform. You are responsible for all risks associated with 
maintaining multiple currencies in a PayPal account. You may not manage or convert 
currencies for speculative trading purposes, conversion arbitrage, conversion options, or 
any other activity that we determine is primarily for the purpose of gaining or making 
money based on currency conversion rates. We may hold, cancel, or reverse any 
transaction we determine to violate this policy. 
How we convert currency 
Other than as set out below and on the Fees Page, 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, typically between 5pm and 7pm 
Eastern Standard Time (EST) (in New York City, USA) on every Business Day and those 
changes will be applied immediately. 
You can access a "Currency Converter" tool to see what transaction exchange rate may 
apply for certain currency conversions. Any rates shown using the Currency Converter 
tool indicate the applicable rates at the time you use the tool and are subject to change. 
Subject to other provisions of the user agreement, when you complete a transaction, the 
transaction exchange rate applying to the transaction will be shown to you so you can 
decide to make your payment at that rate or not. In certain circumstances, that transaction 
exchange rate may apply to the payment for the transaction whenever it is processed; or 
that rate may be valid only if transaction is processed by the seller within a limited time, 
as stated prior to the initiation of the transaction. After that limited time, we may use the 

transaction exchange rate in effect at the time the transaction is processed by the seller, or 
not perform the currency conversion. 
If you have authorized a payment under a billing agreement, and we perform a currency 
conversion for that payment, we will use the transaction exchange rate in effect at the 
time the payment transaction is processed by the seller. Therefore, the transaction 
exchange rate for each payment under a billing agreement may vary. 
If you are a seller and you have agreed that you will bear the transaction exchange rate 
rather than the buyer, or if you have a business account and you convert currency in your 
PayPal account that does not form part of a specific transaction into or out of your 
account (e.g. converting your balance to another currency), the transaction exchange rate 
will not apply. Instead, you will pay a currency conversion fee applied on an external 
base exchange rate, as described on the Fees Page. The external base exchange rate is 
based on rates within the wholesale currency markets on the conversion day or the prior 
Business Day. 
Currency conversion choices 
When your payment is funded by a debit or credit card and PayPal determines currency 
conversion is necessary, you consent to and authorize us to convert the currency in place 
of your debit or credit card issuer. 
You may have the right to have your card issuer convert the currency of the card payment 
into the currency in which you send the payment from your PayPal account, if applicable 
for that card issuer and network. This selection 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 we or your card issuer performs the conversion, or which conversion 
rate is used for the transaction, among others. If your card issuer converts the currency, 
your card issuer will determine the currency conversion rate and what fees they may 
charge. 
PayPal will always perform the conversion for transactions where you use existing 
balance or your linked bank account is the funding source. 
If PayPal determines currency conversion is necessary for a transaction that also requires 
a backup funding source to be chosen, you may not be able to separately choose whether 
PayPal or your card issuer performs the currency conversion on the payment from your 
backup funding source. 
Where a currency conversion is offered at the point of sale by the merchant, not by 
PayPal, and you choose to authorize the payment transaction on the basis of the 
merchant's exchange rate and charges, PayPal has no liability to you for that currency 
conversion. 
Account Statements and Requesting Account Records 

Unless your account is restricted you may view and download your PayPal account 
statement by logging into your PayPal account. You agree to review your transactions 
through your PayPal account history instead of receiving periodic statements by email.  
Key information relating to your payments will be provided to you via e-mail and your 
transaction history will also be updated and made available to you at any time by logging 
into your account. You can also access a downloadable report from your PayPal account. 
This will show all fees incurred and any other amounts charged to your PayPal account in 
the relevant period. The report will only be updated and made available if there has been 
any activity on your PayPal account or any fees have been incurred in the relevant period. 
The way in which we provide the transaction information will allow you to store and 
reproduce the information unchanged, for example by printing a copy.  
We reserve the right to charge a fee for providing you with additional information or for 
providing the transaction history and other information about fees in a different way but 
we won’t charge you for records requested in connection with your good-faith assertion 
of an error in your PayPal account. 
Fees 
We charge fees for our services as set out on the fees page. 
Quoted fees are inclusive of all applicable taxes; however, other taxes or costs may exist 
that are not paid through or imposed by us. 
You are liable for telephone charges and any charges made by your internet service 
provider or similar or associated charges as a result of the use by you of our services. 
We may deduct our fees from your PayPal balance. We may deduct our transaction-
related fees from the amounts we transfer before those funds are credited to your PayPal 
balance. 
We will provide you with the details of the amounts you receive and our fees charged 
either by e-mail or in your transaction history (which you can access by logging into your 
account). 
If your payment requires you to pay a fee to us, we may disclose that fee to you when you 
provide your payment instruction to us. 
You cannot set off or deduct any amounts from our fees. 
We may make a charge for any additional services we provide outside this user 
agreement. We will tell you of those charges when you ask for the service. 
PAYPAL USER AGREEMENT 

Making A Payment 
General provisions for making a payment 
Your payment instruction 
We may allow you to provide your payment instruction to us in any way which we may 
notify to you from time to time. The way in which you provide your payment instruction 
can depend on the type of payment you are making – for example: 
• 
If you are paying for a purchase or making a donation, many sellers and/or fund 
collectors allow you to provide your payment instruction to us in a dedicated 
PayPal checkout or other PayPal payment collection integration on their site. 
• 
You can use the “Send Money” feature when you log into your PayPal account to 
send a payment to someone. 
We may require you to authenticate your payment instruction (i.e. give us the information 
that we need to be sure that it’s you giving us the instruction, such as submitting your 
correct log-in information – this could include your e-mail address and password) and 
otherwise successfully log into your PayPal account to provide to us your payment 
instruction. 
We may offer you to select certain recipients for a faster payment experience, which 
makes them a "trusted beneficiary" for your future payments made to that recipient. We 
will not normally ask you to log in (with password, PIN or similar) for these payments 
when they are made. You can access and edit your list of trusted beneficiaries in your 
PayPal account at any time. 
Cancelling your payment instruction 
Once you provide you payment instruction to us, you may not cancel it, except if it is a 
payment instruction under a billing agreement (see below for more details). 
How long will my payment take? 
Your payment to another user will leave your account within the Business Day after we 
receive your complete payment instruction. 
The payment will leave your account within 2 Business Days if we receive your complete 
payment instruction: 
• 
On a day which is not a Business Day; or 
• 
After 2.00pm local Polish time on a Business Day. 
We may allow you to ask us to make your payment on a specific later date, in which case 
your payment will leave your account on that later date. 

Other provisions in this user agreement may cause the above timeframes to be extended. 
When we may refuse to make your payment 
We may treat your payment instruction as not complete and we may refuse to make your 
payment if: 
• 
You do not have enough money in your PayPal balance; 
• 
We have reason to believe that your linked funding sources do not have sufficient 
funds to cover the money required to make your payment; 
• 
You do not provide us with all mandatory information requested in the relevant 
payment or checkout flows which we use to obtain your payment instructions (for 
instance, sufficient details of the recipient as we may request and authentication 
of your payment instruction); 
• 
The payment exceeds the sending limit we tell you about when you try to make 
the payment; or 
• 
We have reason to believe that a restricted activity has happened in relation to 
your account or you are otherwise in breach of this user agreement. 
When your payment is not accepted by the recipient 
If we allow you to send a payment to someone who does not have a PayPal account, the 
recipient can claim the money by opening a PayPal account. 
If the recipient already has a PayPal account, they can refuse to accept the money. 
If the recipient refuses to accept the money or doesn’t open a PayPal account and claim 
the money within 30 days after the date it is sent, the money (including any fees you were 
charged) will be refunded to your PayPal account. See Refunds to your account for what 
can happen when your PayPal account receives a refund. 
Sending limits 
We may, at our discretion, impose limits on the amount and value of payments you can 
make, including money you send for purchases. You can view any sending limit by 
logging into your PayPal account. To lift your sending limit, you must follow the steps 
that we will notify to you or publish from time to time (which we may set out in your 
account overview). 
Setting up automatic charges from your account 
Seller delayed payments 
When you pay certain sellers or pay for certain purchases (for instance, purchases which 
have to be shipped to you or may be updated and finalized by the seller), you are 
providing:  

• 
An authorization to the seller to collect your payment at a later time; and 
• 
An instruction to us to automatically pay that seller when the seller requests 
payment. 
Your authorization will typically remain valid for up to 30 days, but may remain valid for 
longer. If you have balance, we may hold the payment amount as pending until the seller 
collects your payment. If your payment requires a currency conversion by us, the 
transaction exchange rate will be determined and applied (as described in the Currency 
Conversion section) at the time the payment is processed.  
Your authorization allows the seller to update the payment amount before the seller 
collects the payment (to account for any changes to the purchase that you may agree with 
the seller, such as additional taxes, shipping or postage charges or discounts). We are not 
required to verify any changes at any time (including at the time the payment is 
transferred). We may transfer any amount on the basis of your authorization and upon 
receiving instructions from the seller of the final payment amount.  
Billing agreement payments 
You can use a billing agreement to manage payments to the same recipient(s) on an 
ongoing automatic basis. When you enter into a billing agreement:  
a. You authorize the named recipient(s) to collect payments from your account as 
the recipient determines (this could be for payments of amounts you owe the 
recipient for a purchase of goods or services under a separate contract that you 
have with the recipient); and 
b. You instruct PayPal to pay the named recipient(s) (or other recipient(s) that the 
named recipient(s) direct(s)) when the named recipient(s) request(s) PayPal to 
make your payment. 
This makes the recipient a “trusted beneficiary” of all your payments made to that 
recipient, so we will not normally ask you to login (with password, PIN or similar) to 
approve these subsequent payments when they are made. 
Payments made under the billing agreement may be in variable amounts and may be 
made on various dates. We are only a payment service provider so we can’t (and please 
don’t expect us to) know what you have or haven’t agreed with the recipient or to know 
why the recipient decided to collect your payment. We are not obliged to verify or 
confirm the amount the recipient presents to us for the purpose of processing payments 
made under the billing agreement.  
We use several names for payments that can be managed by a billing agreement – these 
include “automatic payments”, "subscription payments", "recurring payments”, 
“reference transactions”, "preauthorized transfers" or "preapproved payment."  

You can cancel your billing agreement at any time in your account interface or by 
contacting us. Where a payment under that billing agreement is scheduled to be made 
before the end of the next Business Day after you tell us to cancel it, we may cancel your 
billing agreement after that payment has been made. If you cancel a billing agreement, 
you may still owe the recipient money for goods or services that you have received but 
have not paid for.  
If we determine currency conversion is necessary for a billing agreement payment, and 
we perform the conversion, we will use the transaction exchange rate in effect at the time 
the payment is processed. The transaction exchange rate for each payment transaction 
may vary.  
Refunds to your account 
How refunds can happen 
We may allow the recipient of your payment to: 
• 
Refuse to accept it; or 
• 
Decide to accept it and then use our service to send you a refund of all or any part 
of the amount of the payment later. 
We will return the amount of any refused payment or refunded payment to your Balance. 
We will return the amount of an unclaimed payment to your balance within 30 days after 
the date you initiated the payment. If any amount of any payment is returned to you in 
any of the ways outlined above, we may convert the returned amount for you into either: 
• 
The currency of the balance you used for the original payment (before any 
conversion into the currency received by the recipient happened); 
• 
The opening currency of your account; or 
• 
US dollars (opening a balance in that currency for you, if you don’t have one 
already). 
If the original payment you sent involved a currency conversion we will convert the 
returned amount from the currency received by the recipient as follows: 
• 
If the amount is returned within one day of the date of the original payment we 
will use our transaction exchange rate applicable on the date of the original 
payment, so that you receive the original amount in the original currency you 
converted for the original payment. 
• 
If the amount is returned after one day of the date of the original payment we will 
use and you agree to accept our transaction exchange rate applicable at the time of 
the conversion of the returned amount. 
The transaction exchange rate may be applied immediately and without notice to you. 

We may also automatically withdraw the returned amount from your balance and transfer 
the funds back to the funding source you used for the original payment. Withdrawals can 
also involve a currency conversion – see the section on Withdrawing Money above. 
Risks when receiving refunds 
The returned amount could be lower in value than your original payment amount. This 
can happen as a result of: 
• 
The recipient sending you a refund lower in value than your original payment 
amount. As we are only a payment service provider, we cannot know what you 
are entitled to from the original payment recipient as a refund or why the recipient 
sent the refund in a particular amount; or 
• 
Transaction exchange rate fluctuations. 
PayPal is not responsible for any loss resulting from the recipient's decision to refuse or 
refund your payment, except to the extent that a refund sent by the recipient is a payment 
executed incorrectly by PayPal 
We are not liable to you for the difference between the value of your original payment 
and the value of the resulting refund, except to the extent that the refund is an incorrect 
payment (see the section on Resolving Problems). 
Funding Your Payment 
Selecting a preferred funding source 
You may select a preferred funding source when logged into your account. Subject to this 
user agreement, the preferred funding source will be used as the default funding source 
for payments you send from your account. 
You can set separate preferred funding sources for some billing agreement payments.  
Special Funding Arrangements 
Some payments can be funded by special funding arrangements linked to your PayPal 
account, such as merchant/transaction specific balance, gift vouchers or other 
promotional funding arrangements. The use and priority of these special funding 
arrangements are subject to further terms and conditions between you and us. Your 
account overview may show the notional amount available in your special funding 
arrangements to fund qualifying payments at any given time. This amount does not 
constitute electronic money, is not deemed part of your PayPal balance and is not 
redeemable in cash - it only represents the amount of electronic money which we offer to 
issue and credit to your account at the time of (and only to immediately fund) a 
qualifying payment, subject to (and only for the period outlined in) the further terms and 
conditions of use of that special funding arrangement. If your payment funded by a 

special funding arrangement is reversed at a later time for any reason, we will keep the 
amount that represents the portion of that payment that was funded by your special 
funding arrangement and (provided that the special funding arrangement has not already 
expired) reinstate the special funding arrangement. 
Funding payments you send from your account 
We will obtain electronic money for the payment you send from your account from the 
following sources in the following order to the extent they are available: 
1. Special Funding Arrangements (if available for the given transaction) 
2. Preferred funding source (if selected and available) 
3. Pre-existing PayPal balance 
4. Bank account (instant transfer via bank mandate) 
5. PayPal Credit (where available) 
6. PayPal-branded debit card (where available) 
7. PayPal-branded credit card (where available) 
8. Debit card 
9. Credit card 
10. Bank account (eCheque)  
PayPal’s Buyer Protection Program 
When you buy something from a seller who accepts PayPal, you may be eligible for a 
refund under PayPal’s Buyer Protection program. When applicable, PayPal’s Buyer 
Protection program entitles you to reimbursement for the full purchase price of the item 
plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, 
whether your claim is eligible for PayPal’s Buyer Protection program. PayPal’s original 
determination is considered final, but you may be able to file an appeal of the decision 
with PayPal if you have new or compelling information not available at the time of the 
original determination or you believe there was an error in the decision-making process. 
The program terms and conditions are set out in PayPal’s Buyer Protection program page 
and form part of this user agreement. 
PAYPAL USER AGREEMENT 
Receiving Payments 
General provisions for receiving payments 
PayPal may allow anybody (with or without an account) to make a payment instruction 
resulting in the issuance or transfer of electronic money to your account. 

By integrating (including by having already integrated) into your online 
checkout/platform any functionality intended to enable a payer without a PayPal account 
to send a payment to your PayPal account, you agree to all further terms of use of that 
functionality which PayPal will make available to you on any page on the PayPal or 
Braintree website (including any page for developers and our Legal Agreements page) or 
online platform. Such further terms include the PayPal Alternative Payment Methods 
Agreement. 
The receipt of a payment into your account does not equate to the receipt of cleared 
funds. A notification that a payment has been sent to you does not amount to a receipt of 
electronic money in your account unless you have accepted the payment. 
We may allow you to accept payments in any currency supported by our Service from 
time to time. 
Where you (instead of PayPal) offer the payer at the point of sale a currency conversion 
of an amount you receive through PayPal, you will inform the buyer of the exchange rate 
and any charges that will be applied to the payment transaction. PayPal has no liability to 
any buyer if you fail to inform the buyer of the exchange rate and charges. You 
acknowledge that if you fail to disclose the exchange rate and charges to the buyer this 
may constitute a criminal offence by you. 
Any payment sent to you may be subject to a reversal, payment review, limitation, 
reserve or hold as allowed under this user agreement. 
Receiving limits 
We may, at our discretion, impose limits on the amount and value of payments you can 
receive, including money you receive for purchases. To lift your receiving limit, you 
must follow the steps that we will notify to you or publish from time to time (which we 
may set out in your account overview). 
New checkout solution 
Our new checkout solution consists of: 
• 
Our dedicated bundled checkout capability in your online checkout/platform to 
enable a buyer with or without an account to send a payment to your account; and 
• 
Our supporting Fraud Tool. 
We may offer you all, any part or any combination of parts of the new checkout solution 
as our new checkout solution service. If we offer you the new checkout solution and you 
choose to use it, in addition to this user agreement, you agree to the following further 
terms relating to the following capabilities: 

• 
The PayPal Alternative Payment Methods Agreement, when you use our APM 
functionality as part of the new checkout solution; and 
• 
The PayPal Online Card Payment Services Agreement, when you use:  
o Our Advanced Credit and Debit Card Payments service as part of the new 
checkout solution bundle; and 
o Our Fraud Protection as part of the new checkout solution. 
Our Fees for using the new checkout solution apply. 
Rules about surcharging 
PayPal does not encourage surcharging because it is a commercial practice that can 
penalize the consumer and create unnecessary confusion, friction and abandonment at 
checkout. 
You may only surcharge for the use of our services in compliance with any law 
applicable to you and not in excess of the surcharges that you apply for the use of other 
payment methods. 
If you surcharge a buyer, you, and not we, will inform the buyer of the requested charge. 
We are not liable to any buyer where you have failed to inform the buyer of any 
surcharge. You acknowledge that you could be committing a criminal offence if you 
surcharge and/or fail to disclose any form of surcharge to a buyer. 
Presentation of PayPal 
Use reasonable endeavors to treat PayPal as a payment method or mark at least on par 
with any other payment methods offered at your points of sale, wherever PayPal’s 
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, 
• 
Treatment of PayPal’s services or marks in terms of:  
o Payment flow, 
o Terms, 
o Conditions, 
o Restrictions, 
o Fees, 
o Prominence; and 
o Sequence of presentation to your customers, 
in each case as compared to other marks and payment methods at your points of sale. 
In representations to your customers or in public communications: 

• 
Do not mischaracterize any PayPal service as a payment method; and 
• 
Use reasonable endeavors to not exhibit a preference for other payment methods 
over any PayPal service. 
Within all of your points of sale, use reasonable endeavors to: 
• 
Not dissuade or inhibit your customers from using PayPal; and 
• 
Not encourage your customers to use an alternate payment method.  
If you enable your customers to pay you with PayPal, 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), use reasonable endeavors to 
display the PayPal services payment marks at least as prominently, and in at least as 
positive a manner, as you do for all other payment methods. 
Without limiting any other rights we have, we may withdraw any discounts on our fees 
and instead we may charge you our full standard rates if: 
• 
You fail to fully achieve the absolute objectives set out in this “Presentation of 
PayPal” section; or 
• 
You apply a surcharge for the use of any PayPal service. 
Taxes and information reporting 
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. We are not responsible for determining whether 
any taxes apply to your transaction, or for calculating, collecting, reporting or remitting 
taxes arising from any transaction. As a bank service provider no sales tax applies to the 
PayPal services in the EU. 
Your refund policy and privacy policy 
You must publish a refunds and return policy, as well as a privacy policy. 
Marketplace sellers 
If you’re a seller on a marketplace or through a third-party application where PayPal is 
offered, you must comply with any rules that apply to the marketplace’s or the third party 
application’s buyer protection program for sales you make through that forum. Any such 
protections may require you to take certain actions and may impact how claims are 
processed. 
We may allow you to authorize certain marketplaces to use your account to pay amounts 
you owe to the marketplace or to the buyer (as the case may be) arising from a claim 

under the terms of the marketplace’s own resolution process (which we call marketplace 
due amounts). If you give such an authorization and the marketplace notifies us of the 
claim, you instruct us to process payments of all and any marketplace due amounts 
relating to that claim from your PayPal account to that marketplace or to the buyer (as the 
case may be) according to the marketplace’s instructions to us. We may treat your 
instruction for the payment of any given marketplace due amount as cancelled if we 
decide that the claim would have been determined in your favor had it been filed as a 
claim with us. You can also cancel this instruction by contacting us. All claims filed 
directly with the marketplace are governed by the marketplace’s own policy only. The 
terms of PayPal Seller Protection do not cover you for claims filed by your buyers 
directly with the marketplace. 
Accepting billing agreement payments 
If we allow you to accept payments from a payer under a billing agreement, when you 
present to us a payment request under that billing agreement, you: 
• 
Warrant to us that the amounts you present have been agreed and consented to by 
the payer whose account will be deducted (including changes to those amounts) 
and that you will give prior notice of the deduction to the payer; and 
• 
Agree that you will notify the payer at least 4 weeks in advance of the amount 
they will collect if that amount has increased in such a manner that the payer 
could not have reasonably expected to pay such an amount, taking into account 
the payer’s previous spending patterns and the circumstances of the payment and 
that you are liable to us for any refunds of that payment in accordance with the 
terms of this user agreement. 
PayPal Payouts 
If you are using PayPal Payouts (formerly Mass Pay), the terms of the PayPal Payouts 
Agreement will apply. 
Your responsibility as a Corporate Customer to notify PayPal of pricing or 
fee errors 
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. 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 herein. 
Refunds and reversals of payments 

When you receive a payment, it could be refunded or reversed. We may allow you to 
send to the payer a refund of the payment. We may carry out a reversal of your payment 
in certain circumstances. See the rest of this section for more details. 
Refunds 
You alone are (and PayPal is not) responsible for: 
• 
Your legal and contractual obligations towards the payer for any amount you 
return to the payer; and 
• 
Any difference between the cost to the payer of making the original payment and 
the value of the amount returned to the payer (for instance, as a result of 
transaction exchange rate fluctuations) except to the extent that the refund is an 
incorrect payment (see the section on Resolving Problems). 
 
See our fees for details of the fees you paid to us as the recipient of the original 
payment which we retain when you use the special commercial transaction refund 
functionality in your PayPal account, as we may allow from time to time, except 
to the extent that the refund is an incorrect payment (see the section on Resolving 
Problems). 
Reversals 
If you receive a payment in your account, you owe us the full amount of the payment and 
our losses arising from processing the payment (including any Chargeback fee or Dispute 
fee). This can include our liability (including any fees, charges and penalties) towards 
any third party (including the payer and the payer’s funding source provider). 
A reversal happens when we exercise our right to set off the above amounts from your 
account under the section Reimbursement for your liability in this user agreement. If your 
PayPal balance for a particular currency is insufficient to cover the amount you owe us in 
that currency, we may perform a currency conversion from any PayPal balance in another 
currency to cover the shortfall against our transaction exchange rate applicable at the time 
the reversal is being processed. This means that, for example, if you are a seller, amounts 
of payments received in your account may be removed from your account after you have 
delivered any goods or services sold. 
A reversal can happen when: 
• 
We reimburse the payer in respect of a PayPal Buyer Protection claim the payer 
made against you. 
• 
We compensate the payer or the payer’s funding source provider (or both) 
because we receive a claim from the payer or their funding source provider for the 
payment amount under the reversal process used by that funding source provider. 
For instance: 

• 
If the payer used a card to fund the payment to you the payer could pursue a 
“chargeback” with the card issuer. The card issuer, not us, determines whether the 
payer is successful when they pursue a chargeback. You can find out more about 
chargebacks by reviewing our Chargeback Guide, accessible via the PayPal 
Security Center and the section called: “Selling Safely”. The PayPal Security 
Center is accessed via the PayPal website. We charge you a fee for receiving a 
chargeback claim. 
• 
If the payer used a bank account to fund the payment the payer or the bank could 
pursue a bank reversal. 
The amount claimed may be greater than the original amount you received due to 
currency exchange rate fluctuations between the time of payment and the time of the 
claim. 
• 
We may have to compensate your payer when they claimed that there was a 
problem with their payment (including that their payment was unauthorized or 
incorrect or that their billing agreement payment was not expected) – see 
Resolving Problems. 
• 
We are entitled to carry out the reversal for any other reason under this user 
agreement, including the provision Actions We May Take if You Engage in Any 
Restricted Activities. 
Dispute fees 
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 the ‘Payments without a PayPal account’ service. 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 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. 
The Dispute fee amount will be determined when the dispute case is created. The fee is 
based on the ratio of the total transaction amount 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 (Dispute Ratio). 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. 
If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in 
the previous three full calendar months, you will be charged the High Volume Dispute 
fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each 
dispute. 
You will not be charged a Standard Dispute fee for disputes that are: 
• 
Inquiries in PayPal’s Resolution Center that are not escalated to a claim with 
PayPal. 
• 
Resolved directly between you and the buyer and not escalated to a claim with 
PayPal. 
• 
Filed by the buyer directly with PayPal as an Unauthorized Transaction. 
• 
Deemed by PayPal in its sole discretion to have met all the requirements under 
PayPal’s Seller Protection program. 
• 
Claims with a transaction value that is less than twice the amount of a Standard 
Dispute fee. 
• 
Decided in your favor by PayPal or your issuer. 
You will not be charged a High Volume Dispute fee for disputes that are: 
• 
Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. 
• 
Resolved directly between you and the buyer and not escalated to a claim with 
PayPal. 
• 
Filed by the buyer directly with PayPal as an Unauthorized Transaction. 
Sellers charged High Volume Dispute fees may be required to provide information to us 
including the cause of their increased dispute rate. 
Disputes listed above may be excluded from being charged a Standard Dispute fee or a 
High Volume Dispute fee, but the claim itself may still be included in the overall 
calculation of your Dispute Ratio. 
Chargeback fees 
For transactions that are not processed either through a buyer’s PayPal account or 
through the ‘Payments without a PayPal account’ service, and where the buyer pursues a 
chargeback for the transaction with their card issuer, PayPal will charge you a 
Chargeback fee for facilitating the chargeback process. This fee will apply regardless of 
whether the buyer is successful in pursuing the chargeback with the card issuer. 
The applicable chargeback fee will be deducted from your PayPal account. The 
chargeback fee is applied as specified in the Chargeback fee table and 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 Chargeback fee table the fee charged will be in your 
primary holding currency. 
Impact of PayPal’s Buyer Protection program on sellers 
You should read our PayPal’s Buyer Protection 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 made available by PayPal to buyers in 
each of those countries as buyers’ rights under these programs may impact you as a 
seller. You can find information about PayPal Buyer Protection on the Legal 
Agreements page by selecting your buyer’s location at the top of the page and referring 
to the corresponding PayPal Buyer Protection program provisions in the corresponding 
user agreement. 
If you lose a claim under PayPal’s Buyer Protection program in any country: 
• 
You must forfeit the full purchase price of the item or transaction plus any 
original shipping cost. This applies when you are the primary seller or a 
secondary seller of goods or services. For example, event ticketing agents, or 
online travel agents will forfeit the full purchase amount paid by the buyer. In 
some cases you may not receive the item back. 
• 
The Buyer Protection claim will only be considered fully resolved if:  
o The refund to a buyer is processed through PayPal, or 
o You provide evidence acceptable to PayPal, in its sole discretion, that the 
buyer agreed to the alternative resolution provided. 
• 
You will not receive a refund of the PayPal fees that you paid in connection with 
the sale. 
• 
If the claim was that the item received was Significantly Not as Described, you 
may not receive the item back, or you may be required to accept the item back 
plus pay for return shipping costs. 
• 
If the claim was that the item received was Significantly Not as Described and 
related to an item you sold that is counterfeit, you will be required to provide a 
full refund to the buyer and you may not receive the item back. 
If you accept PayPal payments from buyers for goods or services you sell through eBay, 
then you need to read and understand the eBay Money Back Guarantee program. Unless 
you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers 
under that program as a basis for reversing a PayPal payment made to you. If the balance 
in your cash account or business PayPal account is insufficient to cover the amount, we 
may: 
• 
Place a hold on your PayPal account until sufficient funds become available in 
your PayPal account to cover the amount; or 
Create a negative balance in your PayPal account. 

PayPal's Seller Protection Program 
What’s eligible 
If you have sold something to a buyer and have already shipped the physical item or 
provided an intangible good and the transaction is later disputed or reversed under 
Reversals, Claims or Chargebacks, you may be eligible for reimbursement under 
PayPal’s Seller Protection program. When it applies, PayPal’s Seller Protection program 
entitles you to retain the full purchase amount. There is no limit on the number of 
payments for which you can receive coverage. By accessing the transaction details page 
in your PayPal account you can determine whether or not your transaction is eligible for 
protection under this program. 
The program terms and conditions are set out in PayPal’s Seller Protection program page 
and form part of this user agreement. 
PAYPAL USER AGREEMENT 
RESTRICTED ACTIVITIES, HOLDS & 
LIQUIDATED DAMAGES 
Restricted Activities 
In connection with your use of our websites, your PayPal account, the PayPal services, or 
in the course of your interactions with PayPal, other PayPal customers, or third parties, 
you must not: 
• 
Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial 
Entity Agreements (if they apply to you), or any other agreement between you 
and us; 
• 
Violate any law, statute, ordinance, or regulation (for example, those governing 
financial services, consumer protections, unfair competition, anti-discrimination 
or false advertising); 
• 
Infringe PayPal’s or any third party's copyright, patent, trademark, trade secret or 
other intellectual property rights, or rights of publicity or privacy; 
• 
Sell counterfeit goods; 
• 
Act in a manner that is defamatory, trade libelous, threatening or harassing; 
• 
Provide false, inaccurate or misleading information; 
• 
Send or receive what we reasonably believe to be potentially fraudulent or 
unauthorized funds; 
• 
Refuse to cooperate in an investigation or provide confirmation of your identity or 
any information you provide to us; 

• 
Attempt to “double dip” during the course of a dispute by receiving or attempting 
to receive funds from both PayPal and the seller, bank or card issuer for the same 
transaction; 
• 
Control an account that is linked to another account that has engaged in any of 
these restricted activities; 
• 
Conduct your business or use the PayPal services in a manner that results in or 
may result in;  
o Complaints; 
o Requests by buyers (either filed with us or card issuers) to invalidate 
payments made to you; 
o Fees, fines, penalties or other liability or losses to PayPal, other PayPal 
customers, third parties or you; 
• 
Use your PayPal account or the PayPal services in a manner that PayPal, Visa, 
MasterCard, American Express, Discover or any other electronic funds transfer 
network reasonably believes to be an abuse of the card system or a violation of 
card association or network rules; 
• 
Allow your PayPal account to have a balance reflecting an amount owing to us; 
• 
Provide yourself a cash advance from your credit card (or help others to do so); 
• 
Access the PayPal services from a country that is not included on our permitted 
countries list; 
• 
Take any action that imposes an unreasonable or disproportionately large load on 
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 the PayPal 
services; 
• 
Facilitate any viruses, trojan horses, malware, worms or other computer 
programming routines that attempts to or may damage, disrupt, corrupt, misuse, 
detrimentally interfere with, surreptitiously intercept or expropriate, or gain 
unauthorized access to any system, data, information or PayPal services; 
• 
Use an anonymizing proxy; use any robot, spider, other automatic device, or 
manual process to monitor or copy our websites without our prior written 
permission; or use any device, software or routine to bypass our robot exclusion 
headers; 
• 
Interfere or disrupt or attempt to interfere with or disrupt 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 other 
users’ use of any of the PayPal services; 
• 
Take any action that may cause us to lose any of the services from our Internet 
service providers, payment processors, or other suppliers or service providers; 
• 
Use the PayPal services to test credit card behaviors; 
• 
Circumvent any PayPal policy or determinations about your PayPal account such 
as temporary or indefinite suspensions or other account holds, limitations or 
restrictions, including, but not limited to, engaging in the following actions: 
attempting to open new or additional PayPal account(s) when an account has a 
negative balance or has been restricted, suspended or otherwise limited; opening 
new or additional PayPal accounts using information that is not your own (e.g. 
name, address, email address, etc.); or using someone else’s PayPal account; or 

• 
Harass and/or threaten our employees, agents, or other users. 
• 
Abuse of our online dispute resolution process and/or PayPal’s Buyer Protection 
program and/or PayPal’s Seller Protection program; 
• 
Cause us to receive a disproportionate number of claims that have been closed in 
favor of the claimant regarding your PayPal account or business; 
• 
Have a credit score from a credit reporting agency that indicates a high level of 
risk associated with your use of the PayPal services; 
• 
Use a credit card with your PayPal account to provide yourself with a cash 
advance (or help others to do so); 
• 
Disclose or distribute another user’s information to a third party, or use such 
information for marketing purposes unless you receive the user’s express consent 
to do so; 
• 
Send unsolicited email to a user or use the PayPal services to collect payments for 
sending, or assisting in sending, unsolicited email to third parties; 
• 
Copy, reproduce, communicate to any third party, alter, modify, create derivative 
works, publicly display or frame any content from the PayPal website(s) without 
our or any applicable third party’s written consent; 
• 
Reveal your account password(s) to anyone else, nor may you use anyone else's 
password. We are not responsible for losses incurred by you including, without 
limitation, the use of your account by any person other than you, arising as the 
result of misuse of passwords; 
• 
Do, or omit to do, or attempt to do or omit to do, any other act or thing which may 
interfere with the proper operation of the PayPal service or activities carried out 
as part of PayPal services or otherwise than in accordance with the terms of this 
user agreement; 
• 
Request or send a personal transaction payment for a commercial transaction; 
• 
Allow your use of the PayPal service to present to PayPal a risk of non-
compliance with PayPal’s anti-money laundering, counter terrorist financing and 
similar regulatory obligations (including, without limitation, where we cannot 
verify your identity or you fail to complete the steps to lift your sending, receiving 
or withdrawal limit or where you expose PayPal to the risk of any regulatory fines 
by European, US or other authorities for processing your transactions); 
• 
Integrate or use any of the PayPal services without fully complying with all 
mandatory requirements communicated to you by way of any integration or 
programmers’ guide or other documentation issued by PayPal from time to time; 
• 
Advertise, promote, introduce or describe PayPal Credit or any PayPal co-branded 
credit based payment instrument to your customers without: (1) obtaining the 
necessary regulatory permission to do so in advance; and (2) the prior written 
permission of PayPal and (if not PayPal) the issuer of the credit to do so; 
• 
Suffer (or cause us to determine that there is a reasonable likelihood of) a security 
breach of your website or systems that could result in the unauthorized disclosure 
of customer information. 
You agree that engaging in the above restricted activities diminishes your or our other 
customers’ safe access and/or use of your account and our services generally. 

Actions We May Take if You Engage in Any Restricted Activities 
If we believe that you’ve engaged in any of these activities, we may take a number of 
actions to protect PayPal, its customers and others at any time in our sole discretion. The 
actions we make take include, but are not limited to, the following: 
• 
Terminate this user agreement, limit your account, and/or close or suspend your 
account, immediately and without penalty to us; 
• 
Refuse to provide the PayPal services to you in the future; 
• 
At any time and without liability, suspend, limit or terminate your access to our 
websites, software, systems (including any networks and servers used to provide 
any of the PayPal services) operated by us or on our behalf, your PayPal account 
or any of the PayPal services, including limiting your ability to pay or send 
money with any of the payment methods linked to your PayPal account, 
restricting your ability to send money or make withdrawals; 
• 
Hold your money to the extent and for so long as reasonably needed to protect 
against the risk of liability. You acknowledge that, as a non-exhaustive guide: 
• 
PayPal’s risk of liability in respect of card-funded payments that you receive can 
last until the risk of a chargeback closing in favor of the payer/buyer (as 
determined by card scheme rules) has passed. This depends on certain factors, 
including, without limitation:  
a. The type of goods or services for which you receive payment; or 
b. The timeframe for delivery of the goods or performance of the services for 
which you receive payment (e.g. sales of event tickets months in advance 
of the event date can present a higher and more enduring risk of 
chargebacks than sales of most other items or services); 
• 
PayPal’s risk of liability in respect of a claim or dispute arising from a payment 
that you receive can last for the time that it takes for the parties to close the claim 
or dispute and all appeals associated with that claim or dispute in accordance with 
PayPal Buyer Protection 
• 
PayPal’s risk of liability in respect of any event of insolvency that you suffer can 
last for as long as and to the extent that laws applicable to your insolvency restrict 
PayPal from taking legal action against you; and 
• 
If you allow your PayPal account to have a balance reflecting an amount owing to 
PayPal, PayPal’s risk of liability can last for the time and to the extent that you 
owe that amount to PayPal. 
• 
Block your PayPal account and/or hold any funds in the reserve account 
(including, without limitation, for more than 180 days if so required by PayPal, 
where PayPal’s rights arise from your engagement in the restricted activity); 
• 
Refuse any particular payment transaction at any time for any reason and will 
only be required to make available the fact of the refusal and the reasons for the 
refusal and how you may resolve the problem, where possible, upon request and 
provided it is not prohibited by law; 
• 
Reverse a payment (including, if appropriate, to the sender’s funding source); 

• 
Take legal action against you. 
• 
Suspend your eligibility for PayPal’s Buyer Protection program and/or PayPal’s 
Seller Protection program (including in retrospect); 
• 
Contact third parties and disclose details of the restricted activities in the manner 
set out in our Privacy Statement; 
• 
Request or update inaccurate information you provided us; 
• 
Request information or documents from you in order to verify your identity 
and/or with regard to the goods or services you provided based on a transaction; 
• 
If you’ve violated our Acceptable Use Policy, then you’re also responsible for 
damages to PayPal caused by your violation of this policy, 
If you use your PayPal account primarily for the purposes of your trade, business, craft or 
profession and you violate the Acceptable Use Policy, then:  
• 
In addition to being subject to the above actions you will be liable to PayPal for 
the amount of PayPal's damages caused by your violation of the Acceptable Use 
Policy; 
• 
You acknowledge and agree that USD 2,500.00 (or the prevailing equivalent in 
the currency of the country in which you reside) per violation of the Acceptable 
Use Policy is:  
o A reasonable minimum estimate of PayPal's actual damages including but 
not limited to, internal administrative costs incurred by PayPal to monitor 
and track violations, damage to PayPal’s brand and reputation, and 
penalties imposed upon PayPal by its business partners resulting from a 
user’s violation considering all currently existing circumstances, including 
the relationship of the sum to the range of harm to PayPal that reasonably 
could be anticipated; 
o Reasonable and proportionate in its application to the provision of the 
services to you; and 
o Necessary, but no more than sufficient, to protect PayPal’s legitimate 
interest in your compliance with the Acceptable Use Policy; and 
• 
PayPal may deduct such damages directly from any existing balance in any 
PayPal account you control. 
Please also see the section below on Your liability. 
Unless otherwise directed by us, you must not use or attempt to use your account while it 
is suspended or has been closed. You must ensure that all agreements with sellers or other 
third parties that involve third party initiated payments (including billing agreement 
payments) set up from your account are cancelled immediately upon the termination, 
suspension or closure of your account. You remain liable under this user agreement in 
respect of all charges and other amounts incurred through the use of your account at any 
time, irrespective of termination, suspension or closure. 
Holds, Limitations, and Reserves 

What are holds, limitations and reserves? 
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. If we take any of the actions described here, we will 
normally notify you of our actions, but we may, if it is reasonable to do so (for example if 
you are in breach of this user agreement or we consider it advisable for security reasons), 
take any of these actions without prior notice to you. 
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. 
You acknowledge and agree that any funds held under this user agreement may be placed 
in your reserve account and that you will provide to us any information as we may 
reasonably request to allow us to determine whether the risk has passed. 
Holds 
A hold is an action that PayPal may take under certain circumstances either at the 
transaction level or the account level. When PayPal places a hold on a payment amount, 
the money is not available to either the sender or the recipient. PayPal reviews many 
factors before placing a hold on a payment, including: account tenure, transaction 
activity, business type, past customer disputes, and overall customer satisfaction. Some 
common situations where PayPal will hold payments include where we have reason to 
believe that: 
• 
Transactions are higher risk, this can be where the transaction involves the sale of 
goods or services in a high risk category, or other facts known to us typically 
resulting in an increased number of chargebacks, other claims or disputes or to be 
often involved in fraud or illegal activity; 
• 
There is a sudden and abnormal change in a PayPal account holder’s selling 
activity including an increase in the number of chargebacks, reversals, or buyer 
complaints received in relation to such PayPal account; 
• 
Any PayPal account is being used in relation to restricted activities; 
• 
A PayPal account involved in the transaction may have been compromised, or 
that stolen financial details (bank or credit card) are used for the payment, or 
otherwise a transaction has not been properly authorized; 
• 
A user is trying to send or withdraw funds they received fraudulently; 
• 
A user has not provided sufficient Information to us to enable us to verify their 
identity or the identity of their business and/or the user has a limited trading 
history with PayPal; 
• 
A payment sent to you as a seller is challenged as a payment that should be 
invalidated and reversed. 
• 
Your buyer files a chargeback, reversal or PayPal Buyer Protection claim on a 
payment you received.  

• 
Your buyer files a claim under a marketplace’s resolution process. 
• 
There is a risk of reversal of funds in your account to your funding source. 
• 
There is a risk of liability (a non-exhaustive list of examples of such risk is set out 
in the section Actions We May Take if You Engage in Any Restricted Activities 
above). 
Payment review 
When we identify a potentially high-risk transaction, we review the transaction more 
closely before allowing it to proceed. This may be because we have the reasonable 
suspicion that the payer’s PayPal account is being used in relation to restricted activities 
or for other reasons as determined by us in our reasonable discretion. This may include 
where there is a risk of liability (a non-exhaustive list of examples of such risk is set out 
in the section Actions We May Take if You Engage in Any Restricted Activities above). 
If a payment is subject to payment review, we may: 
• 
Execute the payment order initiated by the buyer; 
• 
In our discretion, immediately upon such execution restrict the payer’s account; 
• 
Place a hold on the payment; and/or 
• 
Notify the recipient to delay the delivery of the purchase paid for by the payment. 
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. 
All payments that complete payment review are still subject to being reversed under the 
terms of this user agreement but will be PayPal‘s Seller Protection program eligible if 
they meet the PayPal‘s Seller Protection program requirements. PayPal will provide 
notices to you by email and/or in the transaction history tab of your PayPal account. A 
payment subject to payment review is a review of the payment only and is implemented 
to reduce the risk of PayPal users receiving high risk transactions. A payment subject to 
payment review is neither a review nor a representation by PayPal as to the commercial 
dealings, character or reputation of a party to the payment transaction and should not be 
considered as a lessening of the respect of any person. 
Holds related to your instructions 
Certain PayPal functionality may allow you (whether directly or via someone you permit 
to act on your behalf, like an online marketplace platform on which you transact as a 
seller) to instruct us to hold your funds (including the proceeds of payments you receive 
using PayPal) in your reserve account. 

In such a case we will show you the availability status of those funds in your balance – 
the status descriptions may differ according to the functionality you used to instruct us to 
place the hold. We will release the hold on the funds according to the instruction that you 
(or the entity that you have permitted to act on your behalf) give to us, subject to the rest 
of this user agreement. 
Account Limitations 
Limitations are implemented to help protect PayPal, buyers and sellers when we notice 
restricted activities, an increased financial risk, or activity that appears to us as unusual 
or suspicious. Limitations also help us collect information necessary for keeping your 
PayPal account open. 
There are several reasons why your PayPal account could be limited, including where we 
have reason to believe that: 
• 
Someone could be using your PayPal account without your knowledge, then we’ll 
limit it for your protection and look into the fraudulent activity. 
• 
Someone has used your card or bank account without your permission, for 
example if your debit or credit card issuer or bank alerts us to this. 
• 
You have breached this user agreement or violated the Acceptable Use Policy. 
• 
Your performance as a seller indicate your PayPal account is high risk. Examples 
include: indications of poor selling performance because you’ve received an 
unusually high number of claims and chargebacks, selling an entirely new or 
high-cost product type, or if your typical sales volume increases rapidly. 
• 
There is a risk of liability (a non-exhaustive list of examples of such risk is set out 
in the section Actions We May Take if You Engage in Any Restricted Activities 
above). 
We may also limit your PayPal account in order to comply with applicable law. 
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. 
Reserves 
We may place a reserve on your PayPal account at any time if we believe there may be a 
high level of risk associated with you, your PayPal account, your business model, or your 
transactions. When we place a reserve on your PayPal account, it means that all or some 
portion of the funds in your PayPal 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 PayPal 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. 
PayPal considers a list of non-exclusive factors and whether and how these factors have 
changed over time, including: 
• 
How long you have been in business. 
• 
Whether your industry has a higher likelihood of chargebacks. 
• 
Your payment processing history with PayPal and other providers. 
• 
Your business and/or personal credit history. 
• 
Your delivery time frames. 
• 
Whether you have higher than average number of returns, chargebacks, claims or 
disputes. 
There are two categories of reserves that may be placed on your PayPal account, and one 
or both may be applied at the same time: 
• 
A Rolling reserve is a reserve where a percentage of each transaction you receive 
each day is held and then released later on a scheduled basis. For example, your 
reserve could be set at 10% and held for a 90-day rolling period – meaning 10% 
of the money you receive on day 1 is held and then released on day 91, 10% of 
the money you receive on day 2 is held until day 92, etc. Rolling reserves are the 
most common type of reserve. 
• 
A Minimum reserve is a specific minimum amount of funds that you’re required 
to keep available in your balance at all times. The minimum reserve is either 
taken as an upfront amount deposited all at once (also known as an Upfront 
reserve) or is established on a rolling basis from percentages of sales until the 
minimum reserve is achieved, much like a rolling reserve.  
If we place a reserve on funds in your PayPal account, the money will be moved to your 
reserve account and shown as “pending” and we’ll notify you about it. 
If we change the reserve due to a change in our risk assessment, we’ll notify you about it 
as well. 
You will undertake, at your own expense, any further action required to establish a 
reserve or other form of security in a manner reasonably determined by us. This can 
involve executing any necessary documents and registering any form of document 
reasonably required by us to allow us to perfect any form of security interest. 
PAYPAL USER AGREEMENT 
RESOLVING PROBLEMS 
We strongly recommend that you monitor your account closely on a regular basis. 

If you find a problem… 
If you have any reason to believe that there is a problem with your account or our service, 
follow these steps: 
Step 1: Take a few moments to identify the type of problem: 
• 
Unexpected billing agreement payment 
This is where you entered into a billing agreement but a payment was sent from 
your account to another PayPal account under that billing agreement where: 
o You didn’t agree with the recipient in advance the exact payment amount; 
and 
o The payment amount ended up being more than you could reasonably 
have expected to pay based on previous charges and the other 
circumstances. 
• 
Incorrect payment 
This is where a payment sent from your account to another PayPal account was 
not sent as you specified when you asked us to make it (e.g. for the wrong 
amount, delayed, wrong recipient) or you received such a payment. 
• 
Security / Fraud problem 
o Unauthorized payment 
This is where a payment sent from your account wasn’t authorized by you 
(or anyone who’s authorized to make payments for you). 
o Another type of security / fraud problem 
This is where there was another security or fraud problem, such as: 
o There was some other unauthorized access to your account. 
o Your password or PIN was compromised. 
o A device you have used to access our services was lost, stolen or 
deactivated. 
 
Follow the steps in the section “What to do in case of a security 
problem” in the Key Payment and Service Information as soon as 
possible before contacting us. 
• 
Another type of problem  

This is where there was another type of problem with your account or with our 
service which is not mentioned above. For instance, we may have made a factual, 
computational or mathematical error related to your PayPal when you added 
money to or withdrew money from your PayPal account. 
If a purchase that you paid for with PayPal was not as described or you have not 
received the purchase, PayPal Buyer Protection, not this section, may apply. 
Please see the PayPal Buyer Protection for how to deal with these particular 
problems. 
Step 2: Tell us about the problem 
Contact us as soon as possible to tell us about the problem (including the type of 
problem you are contacting us about so that we can help you as quickly as we can). 
You must give us all the information we reasonably request as to the circumstances of the 
problem and take all reasonable steps we request to assist us in our investigation. 
If you tell us about your problem orally, we may require that you report your problem in 
writing within 10 Business Days after that. 
We may provide third parties with information we consider relevant in such 
circumstances in accordance with our Privacy Statement. 
How we will help... 
Subject to the rest of this user agreement, we aim to investigate the problem and work 
with you to resolve it within 60 days. In addition, if your problem is: 
• 
An unexpected billing agreement payment, within 10 Business Days after 
telling us about it we will either:  
o Reimburse you for the payment amount; or 
o Explain why we cannot reimburse you. 
• 
An incorrect payment to another Paypal account, we will: 
o Make immediate efforts to trace the payment and notify you of the 
outcome without charge to you; 
o Compensate you as soon as possible (and in any event no later than the 
end of the Business Day after you tell us about the problem) by putting 
your account in the state it would have been in had the incorrect payment 
been sent as actually specified by the sender. This means:  
▪ 
If the incorrect payment resulted in you having less money than 
you would have had if the payment had been made as actually 
specified, we will credit your account for the difference. 

▪ 
If the incorrect payment resulted in you having more money than 
you would have had if the payment had been made as actually 
specified, we may debit the extra funds from your account. 
o Reimburse you in your account for your losses or damages directly and 
reasonably foreseeably caused by the incorrect payment. 
• 
An unauthorized payment to another PayPal account, as soon as possible (and 
in any event no later than the end of the Business Day after you tell us about the 
problem) we will put your account back to where it would have been had the 
payment never happened. This can include a reimbursement of your payment. 
When we can’t compensate you... 
You are not entitled to any financial compensation from us as outlined above and you 
will owe to us (and we may reverse from your account) any compensation you have 
already received from us if: 
• 
You do not give us all the information we reasonably requested as to the 
circumstances of the problem (including, if you tell us about your problem orally, 
you fail to comply with our request that you tell us about your problem in writing 
within 10 Business Days); 
• 
You do not take all reasonable steps that we request to assist us in our 
investigation; 
• 
We can show that you acted fraudulently; 
• 
We can show that circumstances beyond our control (such as fire or flood or loss 
of internet connection) caused the problem, despite our reasonable precautions; 
• 
We have reason to believe otherwise that there is no problem which entitles you 
to compensation; or 
• 
In respect of the following specific problems: 
Unexpected billing 
agreement payment 
Incorrect payment 
Unauthorized payment 
It takes you longer than 8 
weeks after the payment was 
made to tell us about the 
problem; or 
You agreed for us to make 
your payment and the details 
were made available to you 
by us or the merchant at least 
4 weeks before the payment 
was made. 
It takes you longer than 13 
months after the payment 
was made to tell us about the 
problem; or 
We can show that you gave 
us the wrong payment 
details; or 
We can show that the 
payment was sent as the 
payer specified when the 
payer asked us to make it; or 
It takes you longer than 13 
months after the payment 
was made to tell us about the 
problem; or 
We can show that the 
payment was made because 
you did not keep your 
account safe either 
intentionally or with gross 
negligence (for instance, you 
very carelessly chose to 
share your PayPal ID and/or 

Through no fault of ours, you 
did not have enough PayPal 
balance to complete the 
payment; or 
We can show our system was 
not working properly and 
you knew about the 
breakdown when you started 
the transaction; or 
A delay which you claimed 
caused the incorrect payment 
actually resulted from PayPal 
applying a hold, limitation 
or reserve under this user 
agreement 
password/PIN with someone 
else); or 
There was another security 
/fraud problem and you 
didn’t tell us about it. We 
will not pay you 
compensation for any 
unauthorized payments made 
from your account before 
you told us about that 
problem.  
Sometimes we might spot the problem first. If we need to notify you about the problem, 
we will ordinarily do so through the Secure Messaging Center, which you need to log 
into your account to access. If you should take action urgently, we may also use other 
means such as email to request action. 
If a payment was made from us to your funding source by way of mistake, we may 
correct the mistake by debiting or crediting (as the case may be) your appropriate funding 
source(s). 
Complaints 
Reporting disputes between you and PayPal regarding our services 
Contact Us to report disputes between you and PayPal regarding our services. 
If a dispute arises between you and PayPal, our goal is to learn about and address your 
concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral 
and cost-effective means of resolving the dispute quickly. 
If you’re not happy with the outcome of the complaint process... 
If the outcome of any complaint about our services, after completing the complaint 
escalation process, is not to your satisfaction, you can escalate it by contacting one of the 
following: 
• 
European Consumer Centre (ECC-Net). You may obtain further information 
regarding the ECC-Net and how to contact them at 

(https://ec.europa.eu/info/live-work-travel-eu/consumers/resolve-your-
consumer-complaint/european-consumer-centres-network_en). 
• 
Commission de Surveillance du Secteur Financier (CSSF). The CSSF is the 
authority responsible for the prudential supervision of companies in the financial 
sector in Luxembourg, like us. You can contact the CSSF at 283 Route d’Arlon, 
1150 Luxembourg, Luxembourg. You may obtain further information regarding 
the CSSF and how to contact them at: https://www.cssf.lu or by visiting the EU’s 
Online Dispute Resolution site at https://ec.europa.eu/consumers/odr. 
PAYPAL USER AGREEMENTz 
Other Legal Terms 
Communications Between You and Us 
Contact us 
You can contact us by: 
• 
Writing to us by post at our head office: PayPal (Europe) S.à r.l. et Cie, S.C.A., 
Attention: Legal Department, 22-24 Boulevard Royal, 2449 Luxembourg, 
Luxembourg; or 
• 
Visiting our Contact Us page where you can:  
o Click the "Email Us" link to contact us online; or 
o Click the “Call Us” link for our telephone number if you want to call us. 
You must send legal notices in connection with this user agreement to us by postal mail. 
Notices to you 
You agree that we may provide notice or other information to you by posting it on the 
PayPal website(s) (including the posting of information which is only accessed by you by 
logging into your account), emailing it to the email address listed in your account, 
mailing it to the street address listed in your account, calling you by phone, or sending 
you a “text” / SMS message. You must have internet access and an e-mail account to 
receive communications and information relating to our services. With the exception of 
amendments to this user agreement, such notice shall be considered to be received by you 
within 24 hours of the time it is posted to the PayPal website(s) or emailed to you. If the 
notice is sent by mail, we will consider it to have been received by you three Business 
Days after it is sent. We reserve the right to close your PayPal account if you withdraw 
your consent to receive electronic communications. 
Disclosure of reasons for our actions 

Our decision about holds, limitations, reserves and any other actions we take under this 
user agreement whether they restrict or extend your access to our service, our 
infrastructure, our websites, our software or our systems (including any networks and 
servers used to provide any of our services) whether operated by us or on our behalf 
(including, without limitation, any blockages, limitations, suspensions, terminations, 
holds 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. We have no 
obligation to disclose the details of our risk management or security procedures to you. 
Our Rights 
Security interest 
To secure your performance of this user agreement, you grant to us a legal claim against 
the funds in your PayPal account as security for any amount you may owe to us. This is 
known in legal terms as a “lien” on and “security interest” in your PayPal account. 
Inactive Accounts 
If your PayPal account is inactive for at least 12 consecutive months, we may charge an 
annual inactivity fee. Inactive means that you have not logged into your PayPal account 
or otherwise used your PayPal account to send, receive or withdraw money. 
Your liability 
You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other 
liability incurred by PayPal, any PayPal user, or any third party caused by or arising out 
of your breach of this user agreement and/or your use of PayPal services irrespective of 
termination, suspension or closure You agree to reimburse PayPal, a user, or a third party 
for any and all such liability.  
Reimbursement for your liability 
You agree that we may set off any of the amounts held in accounts held or controlled by 
you with any fees, charges or other amounts you owe us and any such amounts you owe 
to our affiliates as defined in the Indemnification and Limitation of Liability section 
below (including, without limitation, in respect of any services provided by any such 
affiliate). In simple terms, our right to set off means that we may deduct such fees, 
charges or other amounts mentioned in this section from a balance in a PayPal account 
held or controlled by you. 
If there are insufficient funds in your balance to cover your liability, we reserve the right 
to collect the amount you owe us by deducting the amount (or any part of it) from any 

payments received in or money you add to your PayPal account. Otherwise you agree to 
reimburse us through other means. We may also recover amounts you owe us through 
legal means, including, without limitation, through the use of a debt collection agency. 
Assumption of rights 
If PayPal invalidates and reverses a payment that you made to a recipient (either at your 
initiative or otherwise), you agree that PayPal assumes your rights against the recipient 
and third parties related to the payment, and may pursue those rights directly or on your 
behalf, in PayPal’s discretion. This is known in legal terms as your “subrogation” or 
“assignment” to PayPal of your rights against the recipient and third parties related to the 
payment. 
No waiver 
Our failure to act with respect to a breach of any of your obligations under this user 
agreement by you or others does not waive our right to act with respect to subsequent or 
similar breaches. 
Information about you 
We may request information from you as we reasonably require to facilitate our actions 
described in this user agreement, enable us to reduce the risk of fraud or comply with our 
regulatory (including anti-money laundering) obligations. You must comply with these 
requests in a timely fashion. This may involve you faxing, emailing or otherwise 
providing to us at your own expense identification documents and information about your 
finance and operations (such as your most recent financial statements and merchant 
processing statements). 
Indemnification and Limitation of Liability 
In this section and the Intellectual Property section, we use the term “PayPal” to refer to 
us (PayPal (Europe) S.à r.l. et Cie, S.C.A.), our parent PayPal Holdings, Inc., our 
affiliates, and anybody who works for us or them or who is authorized to act on our or 
their behalf. Our affiliates include each entity that we control, we are controlled by or we 
are under common control with. Anybody who works for us or our affiliates or who is 
authorized to act on our or their behalf includes each of our or their respective directors, 
officers, employees, agents, joint venturers, service providers and suppliers. 
Indemnification 
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. 
Limitation of liability 
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: 
• 
Direct or indirect 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. 
Our liability to: 
• 
You; or 
• 
Any third parties, 
in any circumstance is limited to the actual amount of direct damages (excluding direct 
loss of profits), unless and to the extent prohibited by law.  
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: 
• 
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; 
• 
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; 

• 
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; 
• 
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; 
• 
The content, actions, or inactions of third parties; 
• 
A suspension or other action taken with respect to your PayPal account; and/or 
• 
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. 
No warranty 
The PayPal services are provided “as-is” and without any representation or warranty, 
whether express, implied or statutory. PayPal specifically disclaims any implied 
warranties of: 
• 
Title; 
• 
Merchantability; 
• 
Fitness for a particular purpose; and 
• 
Non-infringement. 
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. 
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 cheque 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 international mail service.  
Some countries do not allow the disclaimer of implied warranties, so the foregoing 
disclaimers may not apply to you. 

We cannot guarantee the accuracy of information contained in our correspondence, 
reports, on the website(s) and given verbally by our directors, officers and staff in all 
circumstances and contexts, and no reliance should be placed on such information by 
you.  
You must check all correspondence between us carefully and tell us as soon as possible if 
it includes something which appears to you to be wrong or not made in accordance with 
your instructions. 
Release of PayPal 
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 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. 
You alone (not PayPal) are responsible for understanding and complying with any and all 
laws, rules and regulations of your specific jurisdiction that may be applicable to you in 
connection with your use of our services (for example, in relation to regulated activity, 
licensed activity, export or import activity, taxes or foreign currency transactions). 
Intellectual Property 
PayPal’s trademarks 
"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. 
License grants, generally 
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 PayPal’s third party service providers. Any other third-party software 
application you use on PayPal’s 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. 
License grant from you to PayPal; intellectual property warranties 
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 the PayPal 
companies 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. 
License grant from sellers to PayPal 
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 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. 
Miscellaneous 
Assignment 
You may not transfer or assign any rights or obligations you have under this user 
agreement without PayPal’s prior written consent. PayPal may transfer or assign this user 
agreement or any right or obligation under this user agreement at any time. 
Governing law 
This user agreement and the relationship between us is governed by the laws of England 
and Wales. However, if you are a consumer, nothing in this Agreement shall deprive you 
of the protection granted by the provisions of Polish law which are mandatory (in 
particular those defining consumer rights). 
For complaints that cannot be resolved otherwise between us and merchants, the latter 
submits to the non-exclusive jurisdiction of the courts of England and Wales arising out 
of or relating to this Agreement or the provision of our services without prejudice to the 
right of the merchant to also initiate a proceeding against PayPal in that context before 
the competent courts of and in Luxembourg. 
In respect of any and all disputes with consumers, the mandatory rules on jurisdiction and 
applicable law shall apply. 
Privacy 
Protecting your privacy is very important to us. Please review our Privacy Statement in 
order to better understand our commitment to maintaining your privacy, as well as our 
use and disclosure of your information. 

Languages and translation of agreement 
We will communicate with you in English and Polish. 
This user agreement is concluded in Polish only. Any translation of this user agreement is 
provided solely for your convenience and is not intended to modify the terms of this user 
agreement. 
Your use (as a seller) of personal data; Data protection laws 
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. 
To the extent that you process any personal data about a PayPal customer pursuant to this 
user 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 have and will follow our own, independently 
determined privacy statements, notices, policies and procedures for any such personal 
data that we each process in connection with this agreement. 
In complying with the applicable data protection laws, we will each: 
• 
Implement and maintain all appropriate security measures in relation to the 
processing of such personal data; and. 
• 
Maintain a record of all processing activities carried out under this user 
agreement; and 
• 
Not knowingly or intentionally do anything, or knowingly or intentionally permit 
anything to be done which might lead to a breach by the other party of the 
applicable data protection laws. 
Any personal data you collect in connection with the PayPal services (and not otherwise 
generated, collected, or obtain by you through a customer's separate relationship with 
outside the use of the PayPal services) will be used by you only to the limited extent that 
is necessary and relevant to the PayPal services and for no other purpose unless you have 
obtained the prior express consent of the customer. 
Complete agreement and third party rights 

This user agreement sets forth the entire understanding between you and us with respect 
to our service. 
If any provision of this user agreement is held to be invalid or unenforceable, such 
provision shall be struck out and the remaining provisions shall be enforced. 
A person who is not a party to this user agreement has no rights under the Contracts 
(Rights of Third Parties) Act 1999 to rely upon or enforce any term of this user 
agreement (except for the third parties falling under the definition of “PayPal” in the 
Indemnification and Limitation of Liability section above, in respect of their rights as 
specified in this user agreement) but this does not affect any right or remedy of third 
parties which exists or is available apart from that act. 
PayPal as Login Method 
We may allow you to authenticate with PayPal when you log into certain external 
websites or mobile apps. If we do so, we may share your login status with any third party 
enabling you to log in in this way, as well as the personal and other account information 
that you consent to being shared so that the third party can recognize you. PayPal will not 
give the third party access to your account and will only make payments from your 
account to that third party with your specific authorization and instruction. 
If you enable visitors to authenticate with PayPal when they log into your website, app, 
or your customer accounts, you must agree to any specific terms applicable when this 
functionality is made available to you, and comply with any specifications in any 
integration manual or guideline. We do not guarantee or otherwise represent the identity 
of any user of this login method. We will not share with you the personal and other 
account information of the user (including login status) held by PayPal unless the user 
has consented to our disclosure of that information to you. 
Corporate Customers 
When we refer to “PSD2” in this section we mean the Second EU Payment Services 
Directive ((EU)2015/2366). 
We consider you to be a “Corporate Customer” if, on the date you entered into this user 
agreement, you are not: 
• 
A consumer, (being an individual acting for purposes other than a trade, business 
or profession); and 
• 
A micro-enterprise (being an enterprise which employs fewer than 10 persons and 
has an annual balance sheet that does not exceed 2 million EUR). 
We may disapply certain provisions of PSD2 for your use of our service if you are a 
Corporate Customer. 

If you are a Corporate Customer: 
• 
You are not entitled to a refund for billing agreement payments; 
• 
Where you identify a problem you have up to 60 (sixty) days from the date on 
which the problem happened to notify us about it, after which time we have no 
obligation to investigate and refund you; we are not obliged to comply with the 
information requirements set out in Title III of PSD2 and their equivalents in any 
implementation of PSD2 in member states of the European Economic Area that 
may apply to you (“PSD2 transpositions”); and 
• 
Articles 72 and 89 of PSD2 and equivalent provisions in PSD2 transpositions do 
not apply to your use of our service, meaning that, even where we may say so 
otherwise in this user agreement, we are not liable to you for the losses or damage 
you may suffer under those articles and provisions. 
Section numbers and defined words 
If other documents (e.g. terms and conditions) refer to section numbers or defined words 
of this user agreement, please see our User Agreement Reference Notes to locate the 
relevant provision or defined word.