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PayPal Money Pools Terms and Conditions



By creating a PayPal Money Pool (“Pool”), you agree to these terms and conditions (“Terms”). These Terms are in addition to the PayPal User Agreement and its incorporated policies, including the Acceptable Use Policy and Privacy Policy.

A Pool is a personalised page that lets PayPal personal account holders collect money for a specified purpose.


Pool funds

Funds you collect through a Pool will be held in your PayPal account as a part of your PayPal balance. You’ll need to transfer them to your primary account balance before you can spend or withdraw them.

It is your responsibility to only use the funds for the stated purpose of the Pool.

If your account has a negative balance, we reserve the right to set off your negative balance by drawing upon any Pool funds up to the amount that you owe.


Sharing of information

Your name, PayPal profile photo, and the total amount you have collected may be displayed on your Pool page, in addition to any cover image and/or pool description that you add.

When you create your Pool, you’ll be asked if you would like to display the names, profile photos, and contribution amounts of contributors to your Pool (“Contributor Information”). Even if you have chosen to display this information, contributors can decide to not display their information on your Pool page.

Your use of Contributor Information is subject to PayPal’s User Agreement and Privacy Policy. You may not reproduce Contributor Information on other websites or pages without the consent of each contributor for such sharing and use.


Prohibited activities

To help keep PayPal a safe place to transact, the following activities are prohibited when you use a Pool.

You must not engage in any activity, post any content or create a Pool that:

  • is offensive, abusive, defamatory, threatening or obscene;
  • is illegal, or intended to promote or commit an illegal act, including violations of intellectual property rights, privacy rights or proprietary rights of PayPal or any third party;
  • offers any incentive, return, interest, benefit, “rewards” or “perks” in return for a contribution;
  • includes your password or PIN, or purposely includes someone else’s password, PIN or personal data, or is intended to solicit such data;
  • impersonates or misrepresents your affiliation with another user, person, or entity, or is otherwise fraudulent, false, deceptive, or misleading;
  • is for the purpose of crowdfunding or the sale of goods or services, whether in whole or in part;
  • is for long-term or indefinite holding of funds;
  • is for marketing or promotional purposes, whether in whole or in part; or
  • breaches any of your obligations under the PayPal User Agreement or any of its incorporated policies.

PayPal is under no obligation to monitor the use of the funds collected in a Pool and will incur no liability whatsoever in the event they are not used for the stated purpose of the Pool. Any disputes with contributors in relation to the Pool or your use of its funds are your responsibility.



If we reasonably believe you have breached these Terms or otherwise pose an unacceptable level of risk to the integrity, security or reliability of us or our systems, we may suspend your Pool and/or PayPal account at any time.

We’ll update these Terms from time to time. Updated Terms will be effective as of the date of posting. If we make any substantive changes to these Terms which may negatively impact your use of the Money Pools in a material way, we will post a notice of those changes on the “Policy Updates” page of our website and email you a notification. You agree to receive such notices in this way. The changes will take effect on the date specified on the “Policy Updates” page, which will be at least 30 days after we send the notification email to you. Your continued use of a Pool constitutes your acceptance of updated Terms. If you do not agree with any updated Terms, you should immediately close your Pools.