Policy Updates

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Policy Updates


Notice of Amendment to PayPal Legal Agreements

Issued: December 16, 2020

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on

January 1, 2021.


If you wish to decline these changes you may close your account.

Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not mentioned in this document. This does also apply where we have corrected or standardized numbering and references.



Effective date: January 1, 2021

  • Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.


Due to the United Kingdom’s exit from the European Union we have created a User Agreement which applies only to PayPal accounts of residents of the United Kingdom (UK), Gibraltar, Guernsey, Isle of Man and Jersey.

Regulatory Authorisation

PayPal is regulated by the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg with authorisation number 23/07. The CSSF is the authority responsible for the prudential supervision of companies in the financial sector in Luxembourg. In addition to CSSF regulation, from January 1, 2021 PayPal will be deemed to be authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

Help Centre and Complaints

If you need help or have any questions on your account, please visit our Help Centre where you can find answers to many common questions. You can also contact us by clicking Contact Us at the bottom of any Help page.

We have made some improvements to our complaints handling processes, including changes to our website. We have a dedicated complaints section on our website which contains information on how to complain to PayPal.

Should there be a need for you to submit a formal complaint, you can access the complaints section here.

We would also like to remind you that where you remain dissatisfied with how PayPal has handled a complaint you continue to have the right to refer your complaint to the Financial Ombudsman Service (FOS). The Financial Ombudsman is a free, independent service, which might be able to settle a complaint between you and us. You may obtain further information regarding the FOS on the Financial Ombudsman Service website.