Last updated on September 23, 2024
Last updated on September 23, 2024
PayPal has developed this Privacy Statement to explain how we may collect, retain, process, share and transfer your Personal Data when you visit our Sites or use our Services. This Privacy Statement applies to your Personal Data when you visit Sites or use Services, and does not apply to online websites or services that we do not own or control, including websites or services of other PayPal Users.
This Privacy Statement is designed to help you obtain information about our privacy practices and to help you understand your privacy choices when you use our Sites and Services. Please note that our Service offerings may vary by region.
We have defined some terms that we use throughout the Privacy Statement. You can find the meaning of a capitalized term in the Definitions section.
Please contact us if you have questions about our privacy practices that are not addressed in this Privacy Statement.
We collect the following categories of information about you to provide our Services, continually improve your user experience, manage and improve our business. The types of Personal Data we collect about you are described below.
Categories of Personal Data collected from you, including from your interactions with us and use of the Services:
Registration and Contact Information. Depending on the Services you choose, we will collect your name, mailing address, email, income, telephone number, tax ID, Payment Information, profession, employment or business information, and other information necessary to establish an account and use our Services.
Identification and Signature Information. Depending on the Services you choose, we will collect information to verify your name, address, email, phone number, government- issued identification, age and biometric data as well as to create and issue your electronic signature.
Payment Information. Information such as amount you send or request, your payment instrument, card, or financial or funding account used in connection with the Services, including issuer name, card type, country code, payment account number, CVV, username, and IBAN information.
Information about your imported contacts. If you choose to import your contact lists, we will collect Information you enter or import about your contacts, such as name, address, phone number, images, email address or usernames associated with the contacts you import or enter manually.
Information in your Account Profile. Information you choose to enter such as your username, email, mobile number, profile picture, preferred language, or personal description which may include sensitive Personal Data that reveals religious beliefs, political or philosophical views, disability, sexual orientation as well as biometric data. You can set your profile to “Private” at any time.
Information you provide when you contact us. Information you disclose when you respond to surveys, or contact our customer support teams, such as Services you have used, recorded conversations, chat conversations with us, email correspondence with us, account status, repayment history, voice identification. This may include information about others if you choose to share it with us.
Device Information. Information that can be automatically collected from any device used to access the Site or Services. Such information may include, but is not limited to, your device type; your device’s network connections; your device’s name; your device IP address; information about your device’s web browser and internet connection you use to access the Site or Services; Geolocation Information; information about apps downloaded to your device; and biometric data.
Inferred data. We may derive inferences from your transactions and personal data when you use the Services. We do this, for example, to help keep your account secure and protect your use of the Services from fraud. We may draw inferences that reflect your behavior patterns and personal preferences, browsing and purchasing habits, and creditworthiness.
Categories of Personal Data collected from third parties, including from identity verification vendors, data brokers, vendors that help us with fraud detection, your bank, merchants or third party platforms you engage with using our Services:
Information from your connected third party accounts. If you choose to connect non-financial or financial account such as your personal email, social media, or bank or credit accounts, we will collect information consistent with the disclosed purpose for which it was linked. For example, if you choose to participate in Open Banking, we will collect account credentials, account balances, account transactions, and information about your financial standing from your linked accounts. You may change your mind about use of this feature and unlink your connected accounts at any time.
Information from Credit Reporting Agencies. Where permitted by law, we collect credit-related information such as outstanding and historical debt, repayment history, previous credit approvals, current employment relationship, and relationship with other financial institutions within the framework of your use of our Services.
Transaction Information. Information about your order details and purchases, such as item description, quantity, price, currency, shipping address, online shopping cart information, seller and buyer information, and Payment Information. This includes information from your transactions where you use our Services without a PayPal account (e.g. Guest checkout).
Information related to legal requirements. Consistent with applicable law (et. anti-money laundering laws), this may include information from external sanction lists such as name, date of birth, place of birth, occupation, and the reason why the person is on the list in question.
Third party applications. Information from others from your use of third-party applications, such as the Apple App Store or Google Play Store, social networking sites, such as name, your social network ID, Location Information, email, device ID, browser ID, and profile picture. Your use of third-party applications is subject to the privacy notice and terms of service for such applications.
Categories of Personal Data automatically collected about you, including through your access to our website or mobile app, from cookies and similar tracking technologies, and your devices:
Technical Usage Data. Information about response time for web pages, download errors and date and time when you used the service, such as your IP address, statistics regarding how pages are loaded or viewed, the websites you visited before coming to the Sites and other usage and browsing information collected through Cookies (“Technical Usage Data”).
Information from your device. Information about your language settings, IP address, browser ID, device ID, cookie preferences, time zone, operating system, platform, screen resolution and similar information about your device settings, and data collected from cookies or other tracking technologies,
Location Information. Information from IP-based geolocation such as latitude and longitude data, and Global Positioning System (GPS) information when you give us permission through your device settings.
Inferred data. Inferences drawn to create a profile about you that may reflect behavior patterns and personal preferences, such as gender, income, browsing and purchasing habits, and creditworthiness.
We may process your Personal Data for a variety of reasons that are permitted under applicable data protection laws, and in accordance with the lawful bases below:
We collect the following Personal Data we consider necessary to fulfil our pre-contractual and contractual obligations to you and without which you will not be able to use the Services.
Necessary categories of Personal Data include:
These activities include:
We have a legitimate interest in ensuring that PayPal remains a secure financial service and continuing to offer services that are innovative and of interest to you. We do this where our legitimate interests are not outweighed by your right not to have your data processed for this purpose.
These activities include:
We have a legal obligation to conduct certain processing activities. We do this where it is necessary to comply with applicable laws.
These activities include:
We rely on your explicit and voluntary consent to process your Personal Data to participate in certain features that while not necessary for use of the Services may be of interest to you, such as syncing your contact list to your account, providing biometric data, targeted advertising, or connecting to a third-party platform. You may change your mind about use of these features at any time through your account settings. Note that withdrawing your consent will not affect the lawfulness of any processing we have conducted prior to your withdrawal. Please refer to Section 10 (“Your data protection rights”) for more information on your right to withdraw your consent.
If you use our Services without creating or logging into an account, we’ll still collect personal data, which may include your payment information, device information, and location. When you use our Services without creating or logging into an account, we will use this information to process transactions, prevent fraud and comply with the law. We may connect this information with your account, if you have one or if you create an account at a later date.
We retain Personal Data for as long as needed or permitted in context of the purpose for which it was collected and consistent with applicable law.
The criteria used to determine our retention period is as follows:
A significant benefit and innovation of PayPal’s Services is that you can connect your Account with a third-party account or platform. For the purposes of this Privacy Statement, an “account connection” with such a third-party is a connection you authorize or enable between your Account and a non-PayPal account, payment instrument, or platform that you lawfully control or own. When you authorize such a connection, PayPal and the third-party will exchange your Personal Data and other information directly. Examples of account connections include:
If you choose to create an account connection, we may receive information from the third-party about you and your use of the third-party’s service. For example, if you connect your Account to a social media account, we will receive Personal Data from the social media provider via the account connection. If you connect your Account to other financial accounts, directly or through a third-party service provider, we may have access to your account balance and transactional information, such as purchases and funds transfers. We will use all such information that we receive from a third-party via an account connection in a manner consistent with this Privacy Statement.
Information that we share with a third-party based on an account connection will be used and disclosed in accordance with the third-party’s privacy practices. Before authorizing an account connection, you should review the privacy notice of any third-party that will gain access to your Personal Data as part of the account connection. For example, Personal Data that PayPal shares with a third-party account or platform such as a social media account may in turn be shared with certain other parties, including the general public, depending on the account’s or platform’s privacy practices.
You have choices when it comes to the privacy practices and communications described in this Privacy Statement. Many of your choices may be explained at the time you sign up for or use a Service or in the context of your use of a Site. You may be provided with instructions and prompts within the experiences as you navigate the Services.
Subject to limitation set out in Data Protection Laws, you have certain rights in relation to your personal data. You have the right to request access to your data, rectification and data portability. Please contact us if you want to exercise these rights. You may also exercise your rights in Section 10 through a statutory representative.
You may have the right to review automated decision making. You may also revoke consent. Revocation of your consent may affect our ability to provide services to you. If you want to exercise any of your rights, contact us. If you wish to complete a request for access to all personal data PayPal holds about you, remember that you may be required to prove your identity.
If you have an Account with any of our Services, you will generally be able to review and edit Personal Data in the Account by accessing the account and updating the information directly. You can also contact us if you do not have an Account or if you have questions about Account information or other Personal Data.
“Automated decision-making” is the process of making a decision by fully automated means without human involvement. In some cases these decisions could have a legal or similarly significant effect on you as an individual. “Profiling” means analysis of an individual's personality, behaviour, interest and habits to make predictions or decisions about them. Where authorised under applicable law or where necessary for the entry into or performance of a contract, we may in some cases use automated decision-making or profiling for decisions. An example of our use of automated decision making is evaluation of your creditworthiness to assess your suitability for certain credit products.
We believe that by making such decisions automatically, PayPal increases its objectivity and transparency in deciding which services to offer you. We deploy several safety mechanisms to ensure the decisions are appropriate. These mechanisms include ongoing overviews of our decision models and random sampling in individual cases. You can always ask for a manual decision-making process instead, express your opinion or contest decision making based solely on automated processing, including profiling, if such a decision would produce legal effects or otherwise similarly significantly affect you. You can find out more about how to object to these decisions in Section 10 (“What are your Rights?”).
Contact our Data Protection Officer (DPO) Online if you require more information on our use of Automated-decision making or Profiling.
We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration. The security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls. While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current. We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized.
The Sites and Services are not directed to children under the age of 14. We do not knowingly collect information, including Personal Data, from children or other individuals who are not legally able to use our Sites and Services. If we obtain actual knowledge that we have collected Personal Data from a child under the age of 14, we will promptly delete it, unless we are legally obligated to retain such data. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 14.
Changes to This Privacy Statement.
We may revise this Privacy Statement from time to time to reflect changes to our business, the Sites or Services, or applicable laws. The revised Privacy Statement will be effective as of the published effective date.
If the revised version includes a substantial change, we will provide you with 30 days prior notice by posting notice of the change on the “Policy Update” page of our website. We also may notify Users of the change using email or other means.
Transfers of Your Personal Data to Other Countries
Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology, including, but not limited to, third-party service providers. We and our third-party service providers store and Process your Personal Data in the United States of America and elsewhere in the world. We will protect your information as described in this Privacy Statement if your Personal Data is transferred to other countries. By using our Sites and Services, you consent to your Personal Data being transferred to other countries, including countries that have different data protection rules than your country. We do not represent that our Sites and Services are appropriate or available in any particular jurisdiction.
You may contact us if you have general questions about our Privacy Statement and practices or questions about your Account information or Personal Data.
We want to make sure your questions go to the right place:
Pursuant to the Personal Information Protection Act and the Network Act, the contact details of the domestic agent and Data Protection Office are as follows:
Our Data Protection Office can be contacted Online, or offline at 5 Temasek Boulevard 09-01, Suntec Tower 5, Singapore 038985.
Account means a PayPal or Xoom member account.
Device Information means data that can be automatically collected from any device used to access the Sites or Services. Such information may include, but is not limited to, your device type; your device’s network connections; your device’s name; your device’s IP address; information about your device’s web browser and the internet connection being used to access the Site or Services; Geolocation Information; information about apps downloaded to your device; and biometric data (e.g., Touch ID/Fingerprint to verify your identity).
Geolocation Information means information that identifies with reasonable specificity your location by using, for instance, longitude and latitude coordinates obtained through GPS, Wi-Fi, or cell site triangulation. Some of our Services may ask you for permission to share your current location. Some of the Sites and Services require this information to provide a specific product or online Service. If you do not agree to our collection of the geolocation information, our Sites or Services may not function properly when you try to use them.
PayPal means PayPal Pte. Ltd. and subsidiaries or affiliates. In this Privacy Statement, PayPal is sometimes referred to as “we,” “us,” or “our,” depending on the context.
Personal Data means personal information that can be associated with an identified or identifiable person. “Personal Data” can include name, postal address (including billing and shipping addresses), telephone number, email address, payment card number, other financial account information, account number, date of birth, and government-issued credentials (e.g., driver’s license number, passport, Social Security number and Taxpayer ID). Personal Data does not include information that does not identify a specific User.
Process means any method or way that we handle Personal Data or sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, and consultation, disclosure by transmission, disseminating or otherwise making available, alignment or combination, restriction, erasure or destruction of Personal Data.
Services means any products, services, content, features, technologies, or functions, and all related websites, applications and services offered to you by PayPal.
Sites means the websites, mobile apps, official social media platforms, or other online properties through which PayPal offers the Services and which has posted or linked to this Privacy Statement.
Technical Usage Data means information we collect from your phone, computer or other device that you use to access the Sites or Services. Technical Usage Data tells us how you use the Sites and Services, such as what you have searched for and viewed on the Sites and the way you use our Services, including your IP address, statistics regarding how pages are loaded or viewed, the websites you visited before coming to the Sites and other usage and browsing information collected through Cookies.
User means an individual who uses the Services or accesses the Sites.
The information provided in this section may be specific to customers depending on your region or is provided to PayPal from third parties whom you may interact with when using the Services. You can contact us if you have any questions about the details in this section.
Google ReCaptcha
PayPal uses ReCaptcha on the Sites and Services. Your use of ReCaptcha is subject to the Google Privacy Policy and Terms of Use.
ReCaptcha is only used to fight spam and abuse.
Additional information for Users in South Korea
Collection of resident registration numbers is generally prohibited under applicable law.
In case PayPal seeks to verify government-issued credentials (copy of resident registration card, passport or driver’s license) for purposes of verification of proof of identity of Users in South Korea, we shall mask or redact the last six digits of their resident registration number shown in the copy accordingly prior to the submission.