Policy Updates

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Past Policy Updates

This page displays past policy updates (documents published on our site that notify users in advance of important changes to the PayPal service, its User Agreement, or other policies). Each policy update shows the date on which the change took effect.

 

*For past policy updates relating to changes that took effect earlier than December 2013, please view this PDF.

Notice of Interchange Plus Launch

Issued: 23 June 2016

 

With reference to sections 10.2 and 10.4 of the PayPal Here Agreement and sections 2.5 and 2.7 of the PayPal Website Payments Pro and Virtual Terminal Agreement, PayPal will implement the Interchange Plus fee structure for PayPal Here, PayPal Website Payments Pro and Virtual Terminal on 23 June 2016. On and after implementation the Interchange Plus fee structure will apply according to the terms and conditions of the relevant agreement if you have selected this fee structure.

 

Notice of amendment to PayPal Here™ Agreement

Issued: 27 May 2016

Effective: 9 June 2016

 

Please read this document.

We’re making changes to some of the legal agreements that govern your relationship with PayPal. We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.

You do not need to do anything to accept the changes as they will automatically come into effect on the above stated Effective Date. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/uk/cgi-bin/?&cmd=_close-account) immediately or to terminate the PayPal HereTM agreement without incurring any additional charges.

 

Fees for Amercian Express card payments under the Interchange Plus Fee Structure

We are reducing the fee for payments from an American Express card under the Interchange Plus Fee Structure to 2.75 % when you receive the card payment using a PayPal Here Card Reader’s Chip and PIN, Chip and Signature functionality or as a Contactless Transaction. New section 10.3 reads as follows:

10.3 Fees under the Interchange Plus Fee Structure

If you receive the card payment:

the PayPal Here Standard Rate fee is:

the PayPal Here Merchant Rate is as follows:

where the aggregate monetary amount of payments received in your Account in the previous calendar month:

  1. via the PayPal Here App; and
  2. as Commercial Transaction payments,

is:

the PayPal Here Merchant Rate fee (subject to the further terms and conditions in this section 10) is:

from a Visa, MasterCard or Maestro card

  • using your PayPal Here Card Reader’s Chip and PIN, Chip and Signature functionality
  • as a Contactless Transaction;

Interchange Fee

(approximately ranges from 0.2% to 2.0%)

 

+ 2.50 %

GBP 0.00 – GBP 6,0000.00

Interchange Fee +2.50%

GBP 6,000.01- GBP 15,000.00

Interchange Fee +1.75%

Above GBP 15,000.00

Interchange Fee +1.25%

from an American Express card

  • using your PayPal Here Card Reader’s Chip and PIN, Chip and Signature functionality
  • as a Contactless Transaction;

2.75%

regardless of the volume of payments which you receive

2.75%

from a Visa, MasterCard or Maestro card:

  • as a Keyed Transaction; or
  • by swiping the card’s magnetic stripe

Interchange Fee

+ 3.15%

+ GBP 0.20

Interchange Fee
+ 3.15%

+ GBP 0.20

from an American Express card:

  • as a Keyed Transaction; or
  • by swiping the card’s magnetic stripe

3.4% + GBP 0.20

3.4% + GBP 0.20

 

 

Notice of Amendment to PayPal Legal Agreements

 

Issued: 04 April 2016 (for Effective Dates see each individual agreement notice below)
 

Please read this document.

We’re making changes to some of the legal agreements that govern your relationship with PayPal. We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.

You do not need to do anything to accept the changes as they will automatically come into effect on the above stated Effective Date. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/uk/cgi-bin/?&cmd=_close-account) immediately or to terminate the PayPal Website Payments Pro and Virtual Terminal Agreement and/or PayPal HereTM agreement without incurring any additional charges.

 

Important information about the amendments in general:

We are introducing “Interchange Plus”, a new fee structure for receiving credit and debit card payments using PayPal Website Payments Pro, Virtual Terminal and PayPal Here.

This is as a result of the introduction of the new European Interchange Fee Regulation and will take effect on a date falling on or after 9 June 2016.

If you are charged under the Interchange Plus fee structure, our fees will vary based on the type of card used and where the card originates and you may experience a slight delay in the settlement of your credit and debit card funds. Fees for Standard PayPal Payments that you receive will not change.

Your current fee structure will now be known as the “Blended Pricing” fee structure. You will soon be able to log in to your account to either re-confirm your current, blended, fee structure or to opt for the new Interchange Plus fee structure. We will send you a further communication with details of how to do this in April.

 

Notice of amendment to the PayPal Website Payments Pro and Virtual Terminal Agreement

Effective Date: 9 June 2016

 

You can find the amended PayPal Website Payments Pro and Virtual Terminal Agreement below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages. 

These products are only available to UK resident Users.

1. Fees

We are replacing Clause 2 with text that introduces the Interchange Plus and Blended Pricing fee structures and clarifies the existing fees.  New clauses 2.1 to 2.10 read as follows (with the text of existing clauses 2.6 and 2.7 moving to new clauses 2.11 and 2.12):

“2. Fees

2.1 How fees are paid. You agree to pay the fees in this Agreement as they become due without set-off or deduction. You authorise PayPal to (and PayPal may) collect Monthly Fees first from any available Balance in your Account and then also from the funding source(s) registered for your Account, and you authorise PayPal to (and PayPal may) collect fees for receiving payments from the payments you receive before those funds are credited to your account. If PayPal is unable to collect a past due fee from your Account and its funding source(s), we may take action against you as provided in the User Agreement for unpaid fees. 

Except as further provided in this Agreement, you agree to pay the fees set out in the User Agreement.

Fees will be charged in the currency of the payment received.

See the Glossary at clause 2.6 for further reference.

2.2 Monthly Fees

Product

Monthly Fee

Website Payments Pro (including Express Checkout, Direct Payments API, Virtual Terminal and Fraud Management Filters)

GBP 20.00

Virtual Terminal only

GBP 20.00

 

2.3 Transaction Fees for Standard PayPal Payments with Express Checkout

If you receive the payment:

the PayPal Standard Rate fee is:

the PayPal Merchant Rate is as follows:

where the aggregate monetary amount of payments received in your PayPal Account in the previous calendar month is:

the PayPal Merchant Rate fee (subject to the further terms and conditions in this section 2.8) is:

as a Standard PayPal Payment using Express Checkout

3.4%

+ Fixed Fee

GBP 0.00 - GBP 1,500.00

3.4%
+ Fixed Fee

GBP 1,500.01 - GBP 6,000.00

2.9%
+ Fixed Fee

GBP 6,000.01 - GBP 15,000.00

2.4%
+ Fixed Fee

GBP 15,000.01 – GBP 55,000.00

1.9 %
+ Fixed Fee

Above GBP 55,000.00

1.4 %

+ Fixed Fee

 

2.4 Transaction Fees for Card Payments under the Blended Pricing Fee Structure

If you receive a payment:

the PayPal Standard Rate fee is:

the PayPal Merchant Rate is as follows:

where the aggregate monetary amount of payments received in your PayPal Account in the previous calendar month is:

the PayPal Merchant Rate fee (subject to the further terms and conditions in this section 2.8) is:

from a card (Visa, MasterCard or Maestro) using the Online Card Payment Services

3.4%

+ Fixed Fee

GBP 0.00 - GBP 1,500.00

3.4%
+ Fixed Fee

GBP 1,500.01 - GBP 6,000.00

2.9%
+ Fixed Fee

GBP 6,000.01 - GBP 15,000.00

2.4%
+ Fixed Fee

Above GBP 15,000.00

1.9 %
+ Fixed Fee

 

2.5 Transaction Fees for Card Payments under the Interchange Plus Fee Structure

If you receive a payment:

the PayPal Standard Rate fee is:

the PayPal Merchant Rate is as follows:

where the aggregate monetary amount of payments received in your Account in the previous calendar month is:

the PayPal Merchant Rate fee (subject to the further terms and conditions in this section 2.8) is:

from a card (Visa, MasterCard or Maestro) using the Online Card Payment Services

Interchange Fee
(approximately ranges from 0.2% to 2.0%)
+ 2.9%
+ Fixed Fee

GBP 0.00 - GBP 1,500.00

Interchange Fee
+ 2.9%
+ Fixed Fee

GBP 1,500.01 - GBP 6,000.00

Interchange Fee
+ 2.4%
+ Fixed Fee

GBP 6,000.01 - GBP 15,000.00

Interchange Fee
+ 1.9%
+ Fixed Fee

Above GBP 15,000.00

Interchange Fee
+ 1.4%
+ Fixed Fee

 

2.6 Glossary

a. Interchange Fees are set by Visa and MasterCard. They approximately range from 0.2% to 2.0% and vary for different types of cards (for example by categories and brand). PayPal shall always charge you the Interchange Fee as set by Visa and MasterCard and as passed on by its Acquirer. Single Interchange fees may change from time to time. For more information on Interchange Fees, please see MasterCard’s and Visa’s website as well as our simplified overview.

b. Percentage-based fees (such as 3.4%) refer to an amount equal to that percentage of the payment amount.

c. Fixed Fees are based on the currency received, as follows:

Argentine Peso:

2.00 ARS

New Zealand Dollar:

$0.45 NZD

Australian Dollar:

$0.30 AUD

Norwegian Krone:

2.80 NOK

Brazilian Real:

0.60 BRL

Philippine Peso:

15.00 PHP

Canadian Dollar:

$0.30 CAD

Polish Zloty:

1.35 PLN

Czech Koruna:

10.00 CZK

Russian Ruble

10.00 RUB

Euro:

€0.35 EUR

Singapore Dollar:

0.50 SGD

Danish Kroner:

2.60 DKK

Swedish Kronor:

3.25 SEK

Hong Kong Dollar:

$2.35 HKD

Swiss Franc:

0.55 CHF

Hungarian Forint:

90 HUF

Taiwan New Dollar:

10.00 TWD

Israeli New Shekels:

1.20 ILS

Thai Baht:

11.00 THB

Japanese Yen:

¥40 JPY

Turkish Lira:

0.45 TRY

Malaysian Ringgit:

2 MYR

UK Pounds Sterling:

£0.20 GBP

Mexican Peso:

4.00 MXN

US Dollar:

$0.30 USD

 

2.7 Blended Pricing or Interchange Plus Transaction Fees?

When you receive card payments using any of our Online Card Payment Services (including via Direct Payment API or Virtual Terminal):

  1. The Blended Pricing fee structure shall apply until PayPal implements the Interchange Plus fee structure (which shall be by further notice of the same published by PayPal on a date falling on or after 9 June 2016 on the Policy Updates page accessible via the Legal footer on most PayPal site pages) (“Interchange Plus Launch”).
  2. You may choose the fee structure applicable to you on or after Interchange Plus Launch, by the methods or procedures that PayPal may make available to you before and after Interchange Plus Launch. If you do not make an election, you will stay on your existing fee structure.
  3. You may choose your fee structure for future transactions only, not for past transactions. The fee structure that applies when you receive card payments using any of our Online Card Payment Services also applies when you receive card payments using PayPal HereTM.  This means that if you opt to be charged under the Interchange Plus fee structure, the respective Interchange Plus fee structure will apply to the use of both our Online Card Payment Services and PayPal Here.

 

2.8 Merchant Rate

Merchant Rate applies only to Accounts with Merchant Rate status. Merchant Rate status is subject to eligibility, application and approval by PayPal. PayPal may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an Account in good standing. To be eligible to apply for (and retain) PayPal Merchant Rate status the Account must:

  • at all times be in good standing and not under investigation; and
  • have received more than £1,500.00 GBP in aggregate monetary amount of payments in the previous calendar month.

PayPal may downgrade an Account to the Standard Rate at any time if the above conditions are not met or there are unresolved chargebacks against the Account.

If PayPal downgrades your Account you will need to apply to PayPal again for your Account to get PayPal Here Merchant Rate status.

You may apply to receive Merchant Rate for your Account using the dedicated online application form when logged into your PayPal Account. If your application is rejected, please note that you may only submit an application once every thirty days.

 

2.9 Additional Transaction Fees

a. Receiving Cross Border Payments

When you receive a Cross Border payment (which for the purpose of this Agreement also includes any payment made by a card from outside the United Kingdom) you agree to pay an additional percentage-based Cross Border Fee as set out in the table below (depending on the sender’s country).

 Sender’s country

Cross Border Fee

Northern Europe*

0.4%

Europe I**

0.5%

US / Canada

1.0%

Europe II***

1.3%

Rest of World

1.8%

* Aland Islands, Denmark, Faroe Islands, Finland, Greenland, Iceland, Norway, Sweden.

** Austria, Belgium, Channel Islands, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany , Gibraltar, Greece, Ireland, Isle of Man, Italy , Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom, Vatican City State.

*** Andorra, Albania, Belarus, Bosnia & Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russian Federation, Serbia, Switzerland, Turkey, Ukraine.

This fee does not apply to:

  • Cross Border Euro or Swedish Krona payments made (i) between Accounts registered in; or (ii) by cards from the European Union or EEA do not incur this additional fee.
  • payments received from cards using the Online Card Payment Services under the Interchange Plus fee structure.

b. Failure to implement Express Checkout. If you do not implement Express Checkout as required in clause 1 (2) above, the percentage components of the Transaction Fees set out in clause 2.2 will each increase by an additional 0.5 % after PayPal gives you 30 days’ notice. You agree to pay the increased fees.

c. Additional risk factors. If PayPal determines that your Account receives, or is likely to receive, a disproportionately high number of customer complaints, Reversals, Chargebacks, Claims, or other indicators of a serious level of risk, PayPal may increase the percentage components of your Transaction Fees by up to 5%, after giving you 30 days prior notice of the increase. You agree to terminate your use of the Product if you do not agree to this increase.

 

2.10 Other Fees

Activity/Event/Product

Fee

  1. Recurring Payment Tool (optional service)

GBP 20.00 per month

  1. Uncaptured Authorisation Transactions

GBP 0.20

for each successful but uncaptured authorisation transaction via Direct Payment API or Virtual Terminal

  1. Card Account Verification Transactions

0.20 GBP

for each card account verification request (for all Direct Payment API or Virtual Terminal card account verification transactions (Visa and MasterCard only). For the avoidance of doubt, this does not include Uncaptured Authorisation Transactions.

 

2.11 MasterCard transactions. For further information about MasterCard’s rules and rates, please visit: http://www.mastercard.com/us/merchant/index.html.

2.12 Monthly Reports on Transaction Costs. PayPal shall make available monthly reports on transaction costs (inclusive of interchange fees) for card transactions which you process with PayPal Website Payments Pro and Virtual Terminal. These reports will be downloadable from your PayPal Account. The reports do not include any Standard PayPal payments.
 

2.  Settlement of Card Payments

We are adding a new clause 3 to outline how card payments charged for under the Interchange Plus fee structure will be settled. All subsequent clauses in the PayPal Website Payments Pro and Virtual Terminal Agreement will be renumbered.  The new clause 3 reads as follows:

3. Settlement of Card Payments within the Interchange Plus Fee Structure

You agree that, when PayPal receives a card payment for you, PayPal may hold those funds in your Reserve Account and you are thereby giving a Payment Order that instructs PayPal to pay those funds to your Payment Account only on the Business Day on which PayPal receives the information about the interchange fee applicable to the card payment, at which time the funds will then be made available to you in your Payment Account.  While the funds are held in your Reserve Account, the transaction will appear to you as “Pending” in your Account details. PayPal does not consider that the proceeds of the card payment in your Reserve Account are at your disposal until PayPal has received the information on the applicable interchange fee from our Processor (which can be within the next Business Day following the day on which the card payment was initiated by the card holder).

 

3. Parity among payment methods

We are removing clause 1.3 about parity among payment methods.

 

4.  Definitions

We are amending existing clause 9 (Definitions) (which becomes new clause 10) to replace the existing definition of “Online Card Payment Services” and add a definition for “Standard PayPal Payments”.  The new definitions read as follows:

“Online Card Payment Services:  Functionality provided online by PayPal to enable merchants to receive payments directly from a payer’s card (without the funds passing via the payer’s PayPal Account), without the card being present at the website or other point of sale.  Online Card Payment Services are integral to the Products such as Direct Payments API and Virtual Terminal.  PayPal HereTM is not an Online Card Payment Service because the card is present at a physical point of sale.”

“Standard PayPal Payments: All Payments which you receive from another PayPal account or payments via PayPal’s Account Optional Service.”

 

Notice of amendment to the PayPal Here Agreement

Effective Date: 9 June 2016

You can find the amended PayPal Here™ Agreement below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages. This product is only available to UK resident Users.

1. Fees

We are replacing section 10 with provisions that introduce the Interchange Plus and Blended Pricing fee structures and clarify the existing fees.  New section 10 reads as follows:

“10. Fees

Except as further provided in this section, you agree to pay the fees prescribed for Business Accounts in the User Agreement.

You agree to pay the following fees for the following payments received via the PayPal Here App:

 

10.1 Fees for Payments from another PayPal account via PayPal Location Based Payments Functionality

If you receive the payment:

the PayPal Here Standard Rate fee is:

the PayPal Here Merchant Rate is as follows:

where the aggregate monetary amount of payments received in your Account in the previous calendar month:

  1. via the PayPal Here App; and
  2. as Commercial Transaction payments,

is:

the PayPal Here Merchant Rate fee (subject to the further terms and conditions in this section 10) is:

from another PayPal Account via PayPal Location Based Payments Functionality

2.75%

GBP 0.00 - GBP 6,000.00

2.75%

GBP 6,000.01- GBP 15,000.00

2%

Above GBP 15,000.00

1.5%

 

10.2 Fees under the Blended Pricing Fee Structure

If you receive the card payment:

the PayPal Here Standard Rate fee is:

the PayPal Here Merchant Rate is as follows:

where the aggregate monetary amount of payments received in your Account in the previous calendar month:

  1. via the PayPal Here App; and
  2. as Commercial Transaction payments,

is:

the PayPal Here Merchant Rate fee (subject to the further terms and conditions in this section 10) is:

from a Visa, MasterCard or Maestro card

  • using your PayPal Here Card Reader’s Chip and PIN, Chip and Signature functionality
  • as a Contactless Transaction

2.75%

GBP 0.00 - GBP 6,000.00

2.75%

GBP 6,000.01- GBP 15,000.00

2%

Above GBP 15,000.00

1.5%

from a Visa, MasterCard, Maestro or an American Express card:

  • as a Keyed Transaction; or
  • by swiping the card’s magnetic stripe

3.4%

+ GBP 0.20

regardless of the volume of payments you receive

3.4%
+GBP 0.20

from an American Express Card:
 

  • using your PayPal Here Card Reader’s Chip and PIN, Chip and Signature functionality
     
  • as a Contactless Transaction

2.75%

2.75%

 

10.3 Fees under the Interchange Plus Fee Structure

If you receive the card payment:

the PayPal Here Standard Rate fee is:

the PayPal Here Merchant Rate is as follows:

where the aggregate monetary amount of payments received in your Account in the previous calendar month:

  1. via the PayPal Here App; and
  2. as Commercial Transaction payments,

is:

the PayPal Here Merchant Rate fee (subject to the further terms and conditions in this section 10) is:

from a Visa, MasterCard or Maestro card

  • using your PayPal Here Card Reader’s Chip and PIN, Chip and Signature functionality
  • as a Contactless Transaction; or

Interchange Fee

(approximately ranges from 0.2% to 2.0%)

+ 2.50 %

GBP 0.00 – GBP 6,0000.00

Interchange Fee +2.50%

GBP 6,000.01- GBP 15,000.00

Interchange Fee +1.75%

Above GBP 15,000.00

Interchange Fee +1.25%

from a Visa, MasterCard or Maestro card:

  • as a Keyed Transaction; or
  • by swiping the card’s magnetic stripe

Interchange Fee

+ 3.15%

+ GBP 0.20

regardless of the volume of payments which you receive

Interchange Fee
+ 3.15%

+ GBP 0.20

from an American Express Card

3.4% + GBP 0.20

3.4% + GBP 0.20

 

a. Interchange Fees are set by Visa and MasterCard. They approximately range from 0.2% to 2.0% and vary for different types of cards (for example by categories and brand). PayPal shall always charge you the Interchange Fee as set by Visa and MasterCard and as passed on by its Acquirer. Single Interchange fees may change from time to time. For more information on Interchange Fees, please see MasterCard’s and Visa’s website as well as our simplified overview.

b. Percentage-based fees (such as 3.40%) refer to an amount equal to that percentage of the payment amount.

 

10.4 Blended Pricing or Interchange Plus Transaction Fees?

When you receive card payments using PayPal Here:

  1. The Blended Pricing fee structure shall apply until PayPal implements the Interchange Plus fee structure (which shall be by further notice of the same published by PayPal on a date falling on or after 9 June 2016 on the Policy Updates page accessible via the Legal footer on most PayPal site pages) (“Interchange Plus Launch”).
  2. You may choose the fee structure applicable to you on or after Interchange Plus Launch, by the methods or procedures that PayPal may make available to you before and after Interchange Plus Launch. If you do not make an election, you will stay on your existing fee structure.
  3. You may choose your fee structure for future transactions only, not for past transactions. The fee structure that applies when you receive card payments using PayPal HereTM also applies when you receive card payments under the PayPal Website Payments Pro and Virtual Terminal Agreement.  This means that if you opt to be charged under the Interchange Plus fee structure, the respective Interchange Plus fee structure will apply when you receive card payments under the PayPal Website Payments Pro and Virtual Terminal Agreement and this Agreement.

 

10.5 Conditions for PayPal Here Merchant Rate

The PayPal Here Merchant Rate applies only to Accounts with PayPal Here Merchant Rate status. PayPal Here Merchant Rate status is subject to eligibility, application and approval by PayPal. PayPal may evaluate applications on a case-by-case basis, including, without limitation, on the following criteria: qualifying monthly sales volume, size of average shopping cart and an Account in good standing.

To be eligible to apply for (and retain) PayPal Here Merchant Rate status the Account must:

  • at all times be in good standing and not under investigation; and
  • have received more than £1,500.00 GBP in aggregate monetary amount of payments in the previous calendar month:
    • via the PayPal Here App; and
    • as Commercial Transaction payments.

PayPal may downgrade an Account to the PayPal Here Standard Rate at any time if the above conditions are not met or there are unresolved chargebacks against the Account.

If PayPal downgrades your Account you will need to apply to PayPal again for your Account to get PayPal Here Merchant Rate status.

You may apply to receive PayPal Here Merchant Rate for your Account using the dedicated online application form when logged into your PayPal Account. If your application is rejected, please note that you may only submit an application once every thirty days.

PayPal Here Merchant Rate status entitles you to also benefit from Merchant Rate status for Commercial Transactions under the PayPal User Agreement, with the tier values based on the aggregate monetary amount of payments received in your Account in the previous calendar month:

  1. via the PayPal Here App; and
  2. as Commercial Transaction payments, subject further to the terms and conditions in the PayPal User Agreement.

 

10.6 Additional Transaction Fees

The fees listed in the above tables shall be increased by the supplemental Cross Border Fee for Commercial Transactions (as outline in the relevant table in Schedule 1 of the PayPal User Agreement), if the payer’s card or PayPal account is from outside the United Kingdom.

This Cross Border Fee does not apply to card payments received under the Interchange Plus fee structure. However, the Cross Border Fee always applies to card payments with American Express cards (even if received under the Interchange Plus fee structure).

There is no fee to use the PayPal Here App to manage records of the cash and cheque payments you accept.

The fees prescribed in this clause 10 may be changed by amending this Agreement.

2. Settlement of card payments

We are adding a new section 11 to outline how card payments charged for under the Interchange Plus fee structure will be settled. All subsequent clauses in the PayPal HereTM Agreement will be renumbered.  The new section 11 reads as follows

11. Settlement of Card Payments within the Interchange Plus Fee Structure.
You agree that, when PayPal receives a card payment for you, PayPal may hold those funds in your Reserve Account and you are thereby giving a Payment Order that instructs PayPal to pay those funds to your Payment Account only on the Business Day on which PayPal receives the information about the interchange fee applicable to the card payment, at which time the funds will then be made available to you in your Payment Account.  While the funds are held in your Reserve Account, the transaction will appear to you as “Pending” in your Account details. PayPal does not consider that the proceeds of the card payment in your Reserve Account are at your disposal until PayPal has received the information on the applicable interchange fee from our Processor (which can be within the next Business Day following the day on which the card payment was initiated by the card holder).

 

Notice of Amendment to PayPal Legal Agreements

Issued: 06 Jan, 2016 (for Effective Dates see each individual agreement below)
 

Please read this document.

 

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

We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.

You do not need to do anything to accept the changes as they will automatically come into effect on the above date. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/uk/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.

We do hope, however, that you continue to use PayPal and enjoy the following benefits:

 

It’s faster

You don’t have to type in your card details each time you pay, so you can check out faster online.

 

It’s easier

PayPal is the preferred web payment method in the UK because it’s a smarter, savvier way to pay online in just a few clicks. All you need is your email address and a password.

Please review the current Legal Agreements in effect
 


Notice of amendment to the PayPal User Agreement.

Effective Date: Mar 23, 2016

 

You can find the amended PayPal User Agreement below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

  1. SEPA (for users with registered addresses in Lithuania)

    Section 3.7 (Bank Transfers) is amended to reflect that, following further notice to be given by PayPal after the Effective Date, a User with a registered address in Lithuania (in addition to those Users with registered addresses in Cyprus, Estonia, Greece, Ireland, Latvia, Malta, Slovakia and Slovenia) will be able to pay with their bank accounts and/or or make an electronic transfer from their bank accounts to PayPal via the SEPA direct debit framework. The relevant paragraph in Section 3.7 now reads as follows (with added wording underlined):


    “For users with registered addresses in Cyprus, Estonia, Greece, Ireland, Latvia, Lithuania, Malta, Slovakia and Slovenia: The Single Euro Payments Area (SEPA) is an initiative of the European Commission and European banking sector, aimed at making transactions more efficient within the European Union. After the implementation of the use of SEPA Direct Debit mandates by PayPal, whenever you register a bank account with PayPal or pay with a new bank account for the first time, you will be granting PayPal a SEPA Direct Debit mandate. You will be able to access such mandate and the mandate reference number (MRN) in your PayPal Account profile at any time and cancel the mandate for future transactions.”
  2. Information for legal representatives of incapacitated or deceased Account holders

    Section 7.1 is amended to clarify that legal representatives of incapacitated or deceased Account holders can contact us for assistance regarding the administration of the Accounts in question.  Section 7.1 now reads as follows (with added wording underlined):

    “7.1 Term and How to Close Your Account. The term of this Agreement is for a period of time when you successfully register for a PayPal account until this Agreement is terminated for whatever reason. Subject to section 7.2, you may close your Account and terminate this Agreement at any time by logging in to your Account, clicking on the “Profile” tab, clicking on the “Close Account” link, and then following the instructions. Upon Account closure, we will cancel any pending transactions and you will forfeit any Balances associated with Special Funding Sources. You must withdraw your Balance not later than the time you close your Account and terminate this Agreement. You can find out more about closing your Account in the PayPal Help Centre which is accessed via the PayPal website.  If you are the legal representative of an incapacitated or deceased Account holder, please contact us at the PayPal Help Centre for assistance.”
  3. Restricted Activities - Linked Accounts

    Under Section 9.1k, it is a Restricted Activity to control an Account that is linked to another Account that has engaged in a Restricted Activity. Section 9.1.k is amended to clarify how Accounts are deemed to be linked to each other. The amended section 9.1.k now reads as follows (presented in context with the relevant part of the root of section 9.1, with added wording underlined):

    9.1 Restricted Activities. In connection with your use of our website, your Account, or the Services, or in the course of your interactions with PayPal, a User or a third party, you will not:


    k. Control an Account that is linked to another Account that has engaged in any of these Restricted Activities (an Account is deemed to be “linked” to another Account for the purpose of this section 9.1.k where PayPal has reason to believe that both Accounts are controlled by the same legal personality or group of legal personalities (including, without limitation, individuals), which is more likely when both Accounts share certain attributes, including, without limitation, the same recorded user name, email address, funding source (e.g. bank account) and/or recorded ID used to receive services from PayPal’s partners (such as an eBay ID));”
  4. Seller Protection

    PayPal now may exclude from coverage under the Seller Protection Programme any “Unauthorised Payments” initiated in an environment not hosted by PayPal.  Section 11.1.a is amended in order to outline that exclusion and now reads as follows (presented in context within section 11.1, with added wording underlined):

    “11.1 What is PayPal seller protection?

    If you are the recipient of a payment made by a customer ("Payment Recipient"), we may reimburse you an amount for Claims, Chargebacks, or Reversals made against you based on the following reasons:

    a. A Chargeback or Reversal was issued against you for the reason of an “Unauthorised Payment” (except for any “Unauthorised Payment” initiated in an environment not hosted by PayPal); or

    b. A Chargeback or Claim was issued against you for the reason of “Not Received”,

    where PayPal receives from you proof that the item was posted or delivered in accordance with the requirements set forth below, subject to the further provisions of this section 11 (including, without limitation, the Eligibility Requirements at section 11.6).
  5. Errors and Unauthorised Transactions

    When you report an “Improper Account Access” to PayPal you have certain rights under the terms and conditions of Section 12.  “Improper Account Access” includes where someone has transferred or may have transferred money from your Account without your permission, under Section 12.1(v). We are amending Section 12.1(v) to ensure that “Improper Account Access” also includes where you link your Account with a third party platform to make payments from that platform and certain payments are made using that platform without your permission.  The amended Section 12.1(v) reads as follows (with preceding wording shown to set the context and changes underlined):

    “12.1 Identifying Errors and/or Unauthorised Transactions. You can inspect your transaction history at any time by logging in to your Account on the PayPal website and clicking the "History" tab. It is very important that you immediately notify PayPal if you have reason to believe any of the following activities have occurred: (i) there has been an unauthorised transaction sent from your Account; (ii) there has been unauthorised access to your Account; (iii) your password or PIN has been compromised; (iv) any device you have used to access the Services has been lost, stolen or deactivated, or (v) someone has transferred or may have transferred money from your Account without your permission  (this includes where you link your Account with a third party platform (including a site or app), to make payments directly from that platform, but a payment was made from your Account for a transaction via that platform that you did not make) (collectively called “Improper Account Access”)…”
  6. PayPal Buyer Protection – your statutory rights

    We are adding a short statement to section 13.1 to clarify that PayPal Buyer Protection does not affect your statutory rights against the Payment Recipient.  The paragraph of section 13.1 so amended reads as follows (with changes underlined):

    “…

    PayPal Buyer Protection is neither a product warranty nor a service warranty. No guarantees are given.  PayPal Buyer Protection does not affect your statutory rights against the Payment Recipient.  Please also consider section 13.2 below (Is PayPal Buyer Protection right for me?).

    …”
  7. PayPal Buyer Protection – Conditions for reimbursement

    Section 13.4.a.9 is amended to clarify that for all Users resident in the Relevant Countries (not just UK resident Users) contracting with PayPal under the User Agreement, the purchase of any wager (whether by way of backing or laying against any outcome or otherwise) and any other opportunity to benefit from a gambling activity is not eligible for reimbursement under PayPal Buyer Protection.  Section 13.4.a.9 now reads as follows (set in context with its root clause):

    “13.4 Conditions for reimbursement

    You may be reimbursed under PayPal Buyer Protection for a problem with a purchase only if all of the following requirements are met:

    a. Your purchase is an eligible purchase. Purchases of most goods and services are eligible (including travel tickets, intangible items such as rights of access to digital content and other licences), except for purchases of the following:


    9. any wager (whether by way of backing or laying against any outcome or otherwise) and any other opportunity to benefit from a gambling activity.”
  8. Other changes

    Sections of the PayPal User Agreement have been amended to clarify existing wording (especially section 13 (PayPal Buyer Protection) and Schedule 1 Table of Fees) and correct minor typographical errors.

 

Notice of amendment to the PayPal Privacy Policy

Effective Date: February 23, 2016

 

You can find the amended PayPal Privacy Policy below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

  1. How We Share Information with Other Third Parties

    Section 6 has been amended to clarify the reason for which PayPal lists in the Privacy Policy the third party business providers and business partners to whom we may disclose your data.

    Section 6 has also been amended to change the way PayPal will update the list of such third parties. PayPal will now update the list on each quarter date in a given year (January 1st, April 1st, July 1st and October 1st). You should review the list on every such quarter date. You will be deemed to have consented to the changes on the list after 30 days from the given quarter date.  If you object to the changes, you may close your account and stop using our services.

    Now the first three paragraphs of Section 6 read as follows:

    “Just like most banks or financial/payment service providers, PayPal works with third-party service providers which provide important functions to us that allow us to be an easier, faster, and safer way to make payments, and other business partners. We need to disclose user data to them from time to time so that the services can be performed.

    In general, the Luxembourg laws to which PayPal’s handling of user data is subject (data protection and bank secrecy) require a higher degree of transparency than most other EU laws. This is why, unlike the vast majority of providers of internet-based services or financial services in the EU, PayPal has listed in this Privacy Policy the third party service providers and business partners to whom we may disclose your data, together with the purpose of disclosure and type of information disclosed. You will find a link to those third parties here as well as in paragraphs a, b, d and g below.  By accepting this Privacy Policy and maintaining an account with PayPal, you expressly consent to the transfer of your data to those third parties for the purposes listed.


    PayPal may update the list of third parties referred to above every quarter (January 1st, April 1st, July 1st and October 1st). PayPal will only start transferring any data to any of the new entities or for the new purposes or data types indicated in each update after 30 days from the date when that list is made public through this Privacy Policy. You should review the list each quarter on the PayPal website on the dates stated above. If you do not object to the new data disclosure, within 30 days after the publication of the updated list of third parties, you are deemed to have accepted the changes to the list and to this Privacy Policy. If you do not agree with the changes, you may close your account and stop using our services.”

    You will find in the chart below the information about the third parties, new purposes or data types added to the list. You can access the full list of third parties here.

Category

Party Name and Jurisdiction (in brackets)

Purpose

Data Disclosed

Marketing and Public Relations

ThreatMetrix Inc. (USA)

To retrieve risk information regarding the IP and device from which customers are accessing PayPal, research and testing as to appropriateness of new products and services.

IP and hardware information about the device (device ID, User IP address and cookies.) Email address and other information collected during sign up.

Marketing and Public Relations

Akamai Technologies Inc. (USA)

Content delivery network – to deliver PayPal page content from local servers to users. To also retrieve risk information regarding the IP and device from which customers are accessing PayPal, research and testing as to appropriateness of new products and services.

IP and hardware information about the device (device ID, User IP address cookies.) Circumstances of the conduct of IP.

Credit Reference and Fraud Agencies

Soda Software Labs Limited (UK), Aire Labs Limited (UK), Biz Equity LLC (USA), Bizequity Limited (UK), DueDil Limited (UK), Creditsafe (UK), Creditsafe USA Inc. (USA), MiiCard Limited (UK),Yodlee Inc. (USA)

To verify identity, verify linkage between a customer and its bank account or credit/debit card, make decisions concerning a customer’s credit worthiness (including without limitation, in relation to credit products offered by PayPal), carry out risk assessment on the customer and checks for the prevention and detection of crime including fraud and/or money laundering, assist in debt recovery, manage PayPal accounts and undertake statistical analysis, undertake research and testing as to appropriateness of new products and services and system checking.

Name, address, phone number, email address, date of birth, length of time at address, proof of identity, legal form, length of time in business, company registration number, VAT number, funding instrument including bank account and credit /debit card details (if appropriate)and relevant transaction information (if appropriate). All information supplied when applying for a product or account functionality (including information obtained from social media accounts or online reputation data.)

Credit Reference and Fraud Agencies

National Credit Bureau (Russia)

To receive business information for risk assessment, and compliance with anti-money laundering requirements, such as establishing the corporate structure and beneficial ownership. To assist in making decisions concerning a customer’s credit worthiness (including without limitation, in relation to credit products offered by PayPal), carry out checks for the prevention and detection of crime including fraud and/or money laundering, assist in debt recovery, manage PayPal accounts and undertake statistical analysis, undertake research and testing as to appropriateness of new products and services and system checking.

Company registration number, name, and address of business, name, address, date of birth of directors, any 'trading as' names, list of companies that directors are involved in, date company established/registered,

 

Intuit Inc. (USA), Intuit Limited (UK), The Sage Group plc (UK), Xero (UK) Limited, Xero Inc. (USA)

To receive information for risk assessment and assist in making decisions concerning a customer’s credit worthiness (including without limitation, in relation to credit products offered by PayPal), carry out checks for the prevention and detection of crime including fraud and/or money laundering, assist in debt recovery, manage PayPal accounts and undertake statistical analysis, undertake research and testing as to appropriateness of new products and services and system checking.

Name, address, phone number, email address, date of birth, length of time at address, proof of identity, legal form, length of time in business, company registration number, VAT number, funding instrument including bank account and credit /debit card details (if appropriate) and relevant transaction information (if appropriate).

Credit Reference and Fraud Agencies

Yodlee Inc. (USA), Intuit Inc. (USA), Intuit Limited (UK), The Sage Group plc (UK), Xero (UK) Limited, Xero Inc. (USA)

To receive information for risk assessment and assist in making decisions concerning a customer’s credit worthiness (including without limitation, in relation to credit products offered by PayPal), carry out checks for the prevention and detection of crime including fraud and/or money laundering, assist in debt recovery, manage PayPal accounts and undertake statistical analysis, undertake research and testing as to appropriateness of new products and services and system checking.

Name, address, phone number, email address, date of birth, length of time at address, proof of identity, legal form, length of time in business, company registration number, VAT number, funding instrument including bank account and credit /debit card details (if appropriate) and relevant transaction information (if appropriate).

Customer Service Outsourcing

Lithium Technologies Inc. (USA)

To provide customer services arising from customer contacts to PayPal on social media channels

Information provided by the customer via social media channels which may include name, address, phone number, email addresses, social media user names, truncated and limited or full funding source information (case dependent), funding source expiration dates, type of PayPal account, proof of identity, account balance and transaction information, customer statements and reports, account correspondence, shipping information and promotional information.

Marketing

PaketPLUS Marketing GmbH

Managing marketing campaigns, distributing flyers to merchants and follow up of the campaigns.

Consumer name, Location, Nature and scale of fraud on the account, Business name

Market research

Eye square GmbH (DE)

To conduct customer service and marketing surveys

To conduct customer service and marketing surveys

Commercial Partnership

Harrow Council (UK)

Pay out funds to benefit recipients using PayPal

All Account Information

Operational Services

eBay Enterprise (GSI Commerce) (US)

Processing of PayPal payments and provision of customer support on merchants behalf.

Name, address, phone number, email addresses, truncated and limited, funding source expiration dates, type of PayPal account,, account status, last four digits of financial instruments account, sort code, account balance, details of account transactions

Operational Services

Globalcollect (NL)

Process PayPal transactions, facilitate settlement of funds outside of the PayPal system and reporting.

Name, address, phone number, email addresses, truncated and limited, funding source expiration dates, type of PayPal account,, account status, last four digits of financial instruments account, sort code, account balance, details of account transactions

Marketing and Public Relations

Google Inc., Google Ireland, Ltd. (Ireland), DoubleClick Europe Ltd (UK), DoubleClick, a division of Google, Inc

Help identify behaviour on PayPal websites and the mobile app in order to guide decision about targeted marketing; to help efficiently handling and optimising desktop and mobile campaigns and elsewhere in the web and execute retargeting campaigns in order to deliver personalised advertising.

Anonymous ID generated by cookies, pixel tags or similar technologies embedded in webpages, ads and emails delivered to users. Advertising ID and device ID to segment user groups based on app behaviour, encrypted e-mail address associated with PayPal users (without indicating account relationship).

Marketing and Public Relations

Appnexus, Inc. (US), BlueKai, Inc. (US), Adobe Systems Incorporated (US), Mediamath Inc. (US), Criteo SA (France)

To execute retargeting campaigns in order to deliver personalised advertising.

Anonymous ID generated by cookies, pixel tags or similar technologies embedded in webpages,ads and emails delivered to users.

Marketing and Public Relations

Facebook, Inc (USA), Facebook Ireland Limited (Ireland) and Twitter, Inc. (USA), AdRoll, Yahoo

To execute retargeting campaigns in order to deliver personalised advertising.

Advertising ID and device ID to segment user groups based on app behaviour, encrypted e-mail address associated with PayPal users (without indicating account relationship). Anonymous ID generated by cookies, pixel tags or similar technologies embedded in webpages, ads and emails delivered to users.

Marketing and Public Relations

Conversant Inc. (USA), Commission Junction (USA), Conversant GmbH (Germany), Conversant International Ltd. (Ireland)

To execute and measure retargeting campaigns in order to identify visitors and redirect them though personalised advertising campaigns.

Hashed PayPal Account ID (as appropriate) as well as ,device ID used by a specific person, content of advertisements to be delivered, and segmentation in a user group for advertisement purposes.

Marketing and Public Relations

StrikeAd UK Ltd. (UK), Criteo Ltd. (UK), Criteo Singapore Pte. Ltd (SP), Tapjoy Inc (US)., Supersonic Ltd., StrikeAd Inc. (US), Exponential Interactive Inc (US), InMobi (US), MoPub Inc. (US), AdMob Inc (US), Millenial Media Inc (US), Tapad Inc, Drawbridge Inc, Mobkoi, (UK) Fiksu, Inc. (US), Nanigans, Inc. (US), Eloqua, a division of Oracle Inc.,Criteo SA (France), Rocket Fuel, StrikeAd Inc. (US)

To execute and measure retargeting campaigns in order to segment users for PayPal marketing campaigns.

Anonymous cookie ID, Advertising ID, and/or device ID to segment user groups for marketing purposes.

Marketing and Public Relations

Alliance Data FHC, Inc., trading as Epsilon International and/or Epsilon Communication Solutions, S.L

To execute outbound communication campaigns including, but not limited to, email and push notifications.

Contact information inluding, but not limited to, name, email, telephone number. Anonymous cookie ID, Advertising ID. Content of communications to be delivered to specific users and, as appropriate, segmentation group to which such person belongs to for communication purposes.

Marketing and Public Relations

Adjust GmbH (Germany)

Help identify behaviour in the mobile app in order to guide decision about targeted marketing; to help efficiently handling and optimising mobile campaigns on social networks and elsewhere in the web

Anonymous cookie ID, Advertising ID, and Device ID used by a specific person, events in the mobile app about the use of the mobile app by a specific user (including, without limitation, login, successful completion of the transaction), but no payment and financial information details. Content of advertisements to be delivered to specific users and, as appropriate, segmentation group to which such person belongs to for advertisement purposes.

Marketing and Public Relations

Visual IQ, Inc (US)

Cross Device / Channel Measurement

Advertising ID and device ID to segment user groups based on app behaviour, encrypted e-mail address associated with PayPal users (without indicating account relationship). Anonymous ID generated by cookies, pixel tags or similar technologies embedded in webpages,ads and emails delivered to users.

Commercial Partnership

VODAFONE SALES & SERVICES LIMITED (UK)

Marketing and management to allow PayPal to operate with third party products like the Vodafone Wallet

First, Last Name, Billing Address (Street Name, House Number, City, State, Postal Code, Country), Payer ID, Given Payment Method, CMID / Client Metadata ID, e-mail

Payment processor

Carta Financial Services Limited (United Kingdom)

Processing payments to allow PayPal to operate with third party products like the Vodafone Wallet

First, Last Name, Billing Address (Street Name, House Number, City, State, Postal Code, Country), Payer ID, Given Payment Method, CMID / Client Metadata ID, e-mail

Partner

Cloud IQ (United Kingdom)

Providing assistance with PayPal services to business customers

Customer name, business name, phone numbers, contact email addresses, website, business industry, number of PayPal transactions, transaction volume with PayPal, domestic / international transaction volume split, shipping details, card details for the payment

Partner

WebInterpret (France)

Providing assistance with PayPal services to business customers

Customer name, business name, phone numbers, contact email addresses, website, business industry, number of PayPal transactions, transaction volume with PayPal, domestic / international transaction volume split, shipping details, card details for the payment

Marketing and Public Relations

TubeMogul Inc (US), AdaptTV (UK)

To execute retargeting campaigns in order to deliver personalised advertising.

Anonymous ID generated by cookies, pixel tags or similar technologies embedded in Webpages, ads and emails delivered to users.

Credit Reference and Fraud Agencies

Creditsafe UK

To receive business information for risk assessment, and compliance with anti-money laundering requirements, such as establishing the corporate structure and beneficial ownership.

Company registration number, name, and address of business, name, address, date of birth of directors

Agencies

Data Protection Agencies located in Austria, Belgium, Bulgaria Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the UK.

To provide the Agencies listed with information within their authority (upon their request) and to respond to queries and/or investigations instigated by users or other stakeholders in the countries where they have jurisdiction.

All account information

 

  1. Other changes

    Section 2 of the PayPal Privacy Policy has been amended to clarify existing wording.

 

Notice of amendment to the PayPal Website Payments Pro and Virtual Terminal Agreement

Effective Date: Mar 23, 2016

 

You can find the amended PayPal Website Payments Pro and Virtual Terminal Agreement below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.  This product is available to only UK resident Users.

 

1. Additional fees for specific functions – Fees for receiving payments for Cross Border transactions

Fees for receiving payments for Cross Border transactions continue to be determined by the region in which the sender’s PayPal account is registered. The Cross Border Fee sender regions (and their constituent countries) are realigned and the fees are amended so that the contents of the first entry in the table at section 2.3 (Fees – Additional fees for specific functions”) read as follows (shown in context with its root clause, with changes underlined):

 

“2. Fees

3. Additional fees for specific functions. You also agree to pay the following fees:
 

Function

Fees

Cross-border transaction: Additional charge for receiving a payment: (i)  from an Account having a different Account Nationality (as defined below) ; or (ii) where the payer’s card is from outside the United Kingdom

Note: Cross Border Euro or Swedish Krona payments made: (i) between Accounts registered in; or (ii) by cards from; the European Union or EEA do not incur this additional charge.

The following percentage of the payment you received (depending on the sender’s country):

Sender's country

Additional Fee

Northern Europe*

0.4%

Europe I**

0.5%

US/ Canada

1.0%

Europe II***

1.3%

Rest of World

1.8%

* Aland Islands, Denmark, Faroe Islands, Finland, Greenland, Iceland, Norway, Sweden.

** Austria, Belgium, Channel Islands, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany , Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, , San Marino, Slovakia, Slovenia, Spain, United Kingdom, Vatican City State.

*** Andorra, Albania,
Belarus, Bosnia & Herzegovina, Bulgaria, Croatia, Czech Republic, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russian Federation, Serbia, Switzerland, Turkey, Ukraine.

 

2. Other changes

Sections of the PayPal Website Payments Pro and Virtual Terminal Agreement have been amended to clarify existing wording and correct minor typographical errors.

 

Notice of amendment to the PayPal Here™ Agreement

Effective Date: Mar 23, 2016

 

You can find the amended PayPal Here™ Agreement below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages. This product is available to only UK resident Users.

 

1. PayPal Here Merchant Rate

The Fee table for the PayPal Here Merchant Rate in Section 10 of the PayPal Here Agreement is updated to reflect an additional tier rate of 1.4% of the payment amount plus GBP 0.20 per payment where the aggregate monetary amount of payments received in your Account in the previous calendar month via the PayPal Here App and as Commercial Transaction payments is above GBP 55,000.00.  The PayPal Here Merchant Rate fee table (found in the general fee table at Section 10) now reads as follows:

 

Aggregate monetary amount of payments received in your Account in the previous calendar month:

  1. via the PayPal Here App; and
  2. as Commercial Transaction payments.

PayPal Here Merchant Rate fee per payment

GBP 0.00 - GBP 6,000.00

2.75% of the payment amount

GBP 6,000.01 - GBP 15,000.00

2.4% of the payment amount plus GBP 0.20

GBP 15,000.01 – GBP 55,000.00

1.9% of the payment amount plus GBP 0.20

Above GBP 55,000.00

1.4% of the payment amount plus GBP 0.20

 

2. PayPal Here App

The definition of PayPal Here App is amended to include not only “off the shelf” software applications but also software applications in other formats (such as software development kits) as made available by PayPal.  The definition of PayPal Here App now reads as follows:

“"PayPal Here App" means the PayPal Here software application for merchants, which PayPal may make available from time to time in: (i) “off the shelf” format  from the Apple App Store, Amazon Appstore, Google Play or other similar outlets; and/or (ii) other formats, including, without limitation, in software development kit format.”

 

Notice of amendment to the Commercial Entity Agreements

Effective Date: Jan 23, 2016

 

This notice applies only if you have accepted the terms and conditions of the Commercial Entity Agreements, (typically if you are a User receiving card-funded payments for commercial transactions).

Although PayPal is not a party to the Commercial Entity Agreements, these agreements affect how you receive card-funded payments using PayPal’s services. They are your direct agreements with PayPal’s banking partners, who enable you to receive card-funded PayPal payments. 

The Commercial Entity Agreements apply to merchants across the world – this means that not all of the changes to these agreements affect merchants resident in Europe. We have given notice only of the changes that affect merchants resident in Europe. 

You can find the amended Commercial Entity Agreements below the version of those agreements currently in force by clicking here or accessing them via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

 

1. HSBC Bank Commercial Entity Agreement for Credit Card Processing Services

Until the Effective Date, your agreement is with HSBC Bank Plc (as Member) and GPUK LLP (as Processor).  On and from the Effective Date, the role of Member in this agreement, in respect of card processing services provided to you under this agreement, is undertaken by GPUK LLP instead. This means that GPUK LLP acts as Member and Processor under the agreement on and from the Effective Date. You do not need to do anything to accept the change.

For information only, this agreement is also amended for merchants based outside of Europe – merchants based in Europe are not affected by these particular amendments.

 

2. Commercial Entity Agreement For PayPal Payment Card Funded Processing Services (WorldPay)

For information only, this agreement is amended only for merchants based outside of Europe.  Merchants based in Europe are not affected by these amendments.

 

Amendment to PayPal Here Agreement and to PayPal Website Payments Pro and Virtual Terminal Agreement

Effective Date: Dec 9, 2015

 

Please read this document.

You do not need to do anything to accept the changes as they will automatically come into effect on the above date. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/uk/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.

We are adding the following clause to the PayPal HereTM Agreement:

21. Monthly Reports on Transaction Costs.

PayPal shall make available monthly reports on transaction costs (inclusive of interchange fees) for those card transactions which you process with PayPal HereTM. These reports will be downloadable from your PayPal account. The first report will be available from January 2016 (with data on transactions of the previous month). The reports do not include any payments which you receive from another PayPal account.
 

A similar clause will be included in the PayPal Website Payments Pro and Virtual Terminal Agreement:

2.7 Monthly Reports on Transaction Costs. PayPal shall make available monthly reports on transaction costs (inclusive of interchange fees) for card transactions which you process with PayPal Website Payments Pro and Virtual Terminal. These reports will be downloadable from your PayPal account. The first report will be available from January 2016 (with data on transactions of the previous month). The reports do not include any payments which you receive from another PayPal account.

 

Amendment to PayPal Legal Agreements

Effective Date: Jul 1, 2015

Please read this document.

 

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

We need to make some of these changes because eBay and PayPal soon will no longer be part of the same group of companies and will operate as unrelated organisations.  However, eBay and PayPal will continue to partner together to provide and further enhance the great experience you’ve always had when using PayPal to send or receive payments on eBay.

We encourage you to carefully review these policy updates to familiarise yourself with the changes that are being made.

You do not need to do anything to accept the changes as they will automatically come into effect on the above date. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/uk/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.

We do hope, however, that you continue to use PayPal and enjoy the following benefits:

It’s safer

When you pay with PayPal your sensitive financial details are never shared with sellers or retailers, so you’re more protected against fraud.

It’s faster

You don’t have to type in your card details each time you pay, so you can check out faster online.

It’s easier

PayPal is the preferred web payment method in the UK because it’s a smarter, savvier way to pay online in just a few clicks. All you need is your email address and a password.

Please review the current Legal Agreements in effect
 


Amendment to the PayPal User Agreement.

  1. Intellectual Property

We are adding a new paragraph to section 1.3., which outlines the licence and rights that you give to us and to the PayPal Group (see paragraph 12 below for the definition of “PayPal Group”) to use content that you post for publication using the Services. A similar paragraph features in the Privacy Policy, which is removed by the addition of this paragraph to the User Agreement. The new paragraph at section 1.3 reads as follows:

“When providing us with content or posting content (in each case for publication, whether on- or off-line) using the Services, you grant the PayPal Group a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against the PayPal Group, its sublicensees or assignees. You represent and warrant that none of the following infringe any intellectual property right: your provision of content to us, your posting of content using the Services, and the PayPal Group’s use of such content (including of works derived from it) in connection with the Services.”

  1. Eligibility and Types of Accounts

Section 2.2 is amended to clarify the range of types of Accounts currently offered by PayPal.  Accounts which used to be known as Premier Accounts are now offered by PayPal as Personal Accounts.  The amended section 2.2 now reads as follows (with consequential amendments made elsewhere where Premier Accounts are referred to):

2.2 Personal and Business Accounts. We offer the following types of Accounts: Personal and Business Accounts. Unless otherwise agreed, you may hold not more than one Personal Account and one Business Account. Holders of certain Personal Accounts may be required to upgrade their accounts (which may include providing further information to PayPal) in order to use all of the current functionality available in a Personal Account.  By opening a Business Account and accepting the terms as outlined in this Agreement, you attest that you are not establishing the Account primarily for personal, family, or household purposes. You agree that your Account comprises the Payment Account and the Reserve Account.”

  1. Limits for sending, receiving and withdrawing

Sections 3.2 (Sending Limits), 4.1 (Lifting your receiving limit) and 6.2a. (Withdrawal/Redemption Limits) are amended to clarify information about lifting your sending, receiving and withdrawal limits. The amended sections now read as follows:

3.2 Sending Limits. If you have a periodic sending limit on your Account, you can view it by logging into your Account and clicking on the “View Limits” link on the “Account Overview” page. We may, at our reasonable discretion (for example, without limitation, to limit fraud or credit risk), impose limits on the amount of money you can send through our Service.

4.1 Lifting your receiving limit. If you have a periodic receiving limit on your Account, you can view it by logging into your Account and clicking on the “View Limits” link on the “Account Overview”. We may, at our reasonable discretion (for example, without limitation, to limit fraud or credit risk), impose limits on the amount of money you can receive through our Service. In order to lift your receiving limit, you must complete the steps set out below.

6.2

a. Withdrawal/Redemption Limits. You agree to comply with our requests to verify your identity before we redeem E-money to you to allow us to reduce the risk of fraud or to otherwise comply with our anti-money laundering or other legal obligations. You can view your periodic withdrawal limits, if any, by logging into your Account and clicking on the “View Limits” link on the “Account Overview.” We may, at our reasonable discretion (for example, without limitation, to limit fraud or credit risk), impose limits on the amount of money you can withdraw through our Service.

  1. Set-off of Balances

Section 5.4 is amended so that the rights of set-off under this clause will only extend to the PayPal Group (and no longer to eBay).  In simple terms, the rights of set-off outlined in section 5.4 mean that PayPal may deduct fees, charges or other amounts owed to PayPal or to the PayPal Group as described in that section from any Account Balance held or controlled by you. The amended section 5.4 now reads as follows:

“5.4 Set-off of Balances. 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 (unless prevented by insolvency law) any such amounts you owe other members of the PayPal Group. In simple terms, our right to set-off means that we may deduct such fees, charges or other amounts mentioned in this section from an Account Balance held or controlled by you.

  1. Keeping your Payment Instrument Safe

Section 9.2 is amended by the addition of new sub-sections 9.2.h and 9.2.i and additional wording to sub-section 9.2j (to be new sub-section 9.2l), which, in general, require you to perform the listed actions to keep your Payment Instrument safe.  The amended section 9.2 reads as follows:

 

“9.2 Keeping your Payment Instrument Safe. You agree to perform the following actions to keep your Payment Instrument safe:

  1. Not engage in any of the Restricted Activities;
  2. Keep the details of your Funding Sources, password and PIN safe;
  3. Not allow anyone else to have or use your Funding Source, password or PIN details;
  4. Not disclose the details of your Funding Sources, password or PIN except when using the Service;
  5. Never write your password or PIN in a way that can be understood by someone else;
  6. Not choose a password or PIN that is made more memorable to you such as a sequence of letters or numbers that may be easy to guess;
  7. Take care to make sure that no one sees your password or PIN when you use it;
  8. Ensure you are logged out of all payment-relevant applications in your device when you don’t use it to access the Service and/or when others could access it (e.g. where you share your device with others or use your device through unsecured public internet connections, such as in typical public “free-WiFi” areas);
  9. Refrain from using any functionality that saves or stores your password or PIN on your access device;
  10.  Comply with all reasonable instructions we may issue regarding how you can keep your Payment Instrument safe;
  11. Keep your personal details in your Account up to date. We may be unable to respond to you if you contact us about your Account from an address, telephone number or email account that is not registered with us; and
  12. Take all reasonable steps to protect the security of the personal electronic device through which you access the Services (including, without limitation, using pin and/or password protected personally configured device functionality to access the Services). If you lose your device, you must inform us immediately and delete your device from the settings in your PayPal account.”
  1. Your Liability - Temporary Holds for Disputed Transactions and Payments to eBay or Buyers arising from eBay’s resolution process

The second paragraph of section 10.1.d  is amended to clarify:

  • the conditions upon which PayPal may decide to place a temporary hold on funds in your Account to cover the full amount of the payment you received for a purchase in respect of which a claim under eBay’s resolution process; and
  • the extent of your instructions to PayPal to make payments to eBay or the buyer (as the case may be) for amounts you owe to the relevant recipient under the terms of the eBay resolution process.

The amended section 10.1.d reads as follows:

“d. Temporary Holds for Disputed Transactions.If a buyer files a Claim, Chargeback or Reversal on a payment you received, PayPal will place a temporary hold on the funds in your Account to cover the full amount of the Claim, Chargeback or Reversal. A hold placed under this provision will not restrict your use of the Account with regard to funds other than those disputed or at risk under the Claim, Chargeback or Reversal, unless we have another reason for doing so. If you win the dispute or if the payment is eligible for a payment under the terms of PayPal Seller Protection, we will release the hold and restore your access to the applicable funds. If you lose the dispute, PayPal will remove the applicable funds from your Account.

This process also applies to any claim that a buyer files with eBay through the eBay resolution process, provided that you have authorised eBay to use your PayPal Account to pay amounts you owe to eBay or to the buyer (as the case may be) under the terms of the eBay resolution process (“Authorised Amounts”)  and eBay has notified us of the claim. To the extent that the above provisos are met, you authorise and instruct PayPal to process payments of all and any Authorised Amounts from your PayPal account to eBay or to the buyer (as the case may be) according to eBay’s instructions to PayPal, but you agree that PayPal may treat your authorisation and instruction for the payment of any given Authorised Amount as cancelled and PayPal shall not be obliged to complete such payment, if PayPal (in its sole discretion) decides that the claim would have been determined in your favour had it been filed as a Claim with PayPal.  All claims filed directly with eBay are governed by eBay policy only. The terms of the PayPal Seller Protection Programme do not cover sellers in respect of claims filed by buyers directly with eBay.”

  1. Actions by PayPal

Section 10.2 is amended to:

  • remove the reference to eBay as a party protected by the various actions that PayPal may take under this section; and
  • insert a new sub-section j to enable PayPal to suspend your eligibility for PayPal seller protection and/or PayPal Buyer Protection under this section (with the “Suspension of eligibility”  paragraph in section 11.6 (Seller Protection Programme - Eligibility Requirements) deleted).

The amended parts of section 10.2 now read as follows (presented in context with the root of section 10.2):

10.2 Actions by PayPal. If we have reason to believe that you have engaged in any Restricted Activities, we may take various actions to protect PayPal, a User, a third party, or you from Reversals, Chargebacks, Claims, fees, fines, penalties and any other liability. The actions we may take include but are not limited to the following:

j. We may suspend your eligibility for PayPal seller protection and/or PayPal Buyer Protection.”

  1. Payment Hold

We are adding a short sentence to the second paragraph of section 10.5a.ii to outline that PayPal may notify you about payment holds it places under section 10.5 through authorised third parties.  The amended section 10.5a now reads as follows:

            10.5 Payment Hold

a. You agree that if either:

i. you receive a payment that involves Transaction Risk; or

ii. there may be a higher than acceptable level of risk or exposure associated with your Account (based on the information available to PayPal at the relevant time and what in its sole discretion it regards as an acceptable level of risk or exposure to PayPal under all the circumstances),

PayPal may in its sole discretion (acting reasonably) place a hold on that or any payment. If PayPal places a hold on funds in your Account, we will notify you about it (including, without limitation, how long the hold may last) - the funds will be held in your Reserve Account and those funds will be shown as “pending” in your PayPal Balance. We may notify you about the hold through authorised third parties (such as partner platforms on which you transact).”

  1. Errors and Unauthorised Transactions – Identifying Errors and/or Unauthorised Transactions

Section 12.1 is amended to clarify that it is very important that you immediately notify PayPal if you have reason to believe that any device you have used to access the Services has been lost, stolen or deactivated.  This section also clarifies that we will hold you liable for unauthorised use of your Account if we have evidence that suggests that you have engaged in the activities listed at the end of the section.  The amended section 12.1 now reads as follows:

12.1 Identifying Errors and/or Unauthorised Transactions. You can inspect your transaction history at any time by logging in to your Account on the PayPal website and clicking the "History" tab. It is very important that you immediately notify PayPal if you have reason to believe any of the following activities have occurred: (i) there has been an unauthorised transaction sent from your Account; (ii) there has been unauthorised access to your Account; (iii) your password or PIN has been compromised; (iv) any device you have used to access the Services has been lost, stolen or deactivated, or (v) someone has transferred or may transfer money from your Account without your permission (collectively called “Improper Account Access”). You must also immediately notify us if you have reason to believe that any other error has occurred on your Account. In order for you to notify PayPal immediately of any of the above events, we strongly recommend that you monitor your Account closely on a regular basis. We will not seek to hold you liable for any unauthorised use of your Account by any person provided that we are satisfied that you have not acted deliberately so as to enable any third person to gain access to your PayPal ID and/or password/PIN or to your device while you are logged into the Services. We will hold you liable for unauthorised use of your Account if we have evidence that suggests: you acted deliberately so as to enable any third person to gain access to your PayPal ID and/or password/PIN; you acted fraudulently; or you have with intent or gross negligence failed to comply with your obligations to use your Payment Instrument in the manner set out in this Agreement.”

  1. PayPal Buyer Protection

Section 13 is amended to make several improvements to the PayPal Buyer Protection policy.  The amendments:

  1. clarify your liability to PayPal when PayPal makes a final decision in favour of the buyer (section 13.3 is amended accordingly);
  2. improve the conditions of reimbursement under PayPal Buyer Protection for PayPal users (section 13.4 is amended accordingly) by:
    1. extending the range of eligible purchases for all users (UK resident PayPal users already benefit from this improvement) to cover:
      1. intangible items (such as rights of access to digital content and other licences);
      2. services; and
      3. travel tickets;
    2. no longer using certain outcomes of eBay policies and/or actions (as listed in sections 13.4.a.vi and 13.4.a.x, , which are deleted accordingly) as reasons to exclude an item from eligibility;
    3. no longer making the use of the eBay “Pay Now” button or the eBay invoice a condition for reimbursement (section 13.4.b.i.a is deleted accordingly); and
  3. clarify your rights under PayPal Buyer Protection if (as the buyer) you receive recovery directly from the Payment Recipient or another third party for your purchase (section 13.11 is amended accordingly).

The amended parts of section 13 (as described above) read as follows:

13.3 What happens when PayPal makes a final decision in favour of the buyer…

 

If I am a Payment Recipient? If PayPal makes a final decision on the buyer’s problem in the buyer’s favour, you will be liable to PayPal for the amount that PayPal may reimburse to the buyer. PayPal shall not be obliged to refund your PayPal fees associated with the transaction or any other fees charged from your PayPal account by a third party associated with the transaction (such as the fees charged by a third party platform on which you make your sale). In some cases (for instance, if you lose a SNAD Claim because PayPal has reason to believe that the item you sold is counterfeit) you might not receive the item back (for instance, a competent authority may take control and/or possession of the item or it may be otherwise irreversibly dealt with).

13.4 Conditions for reimbursement

You may be reimbursed under PayPal Buyer Protection for a problem with a purchase only if all of the following requirements are met:

a. Your purchase is an eligible purchase. Purchases of most goods and services are eligible (including travel tickets, intangible items such as rights of access to digital content and other licences), except for purchases of the following :

i. real estate (including, without limitation, residential property);

ii. businesses (including, without limitation, any items or services forming part of a business or corporate acquisition);

iii. vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats);

iv. custom made items (unless they are claimed to be Not Received);

v. goods and services prohibited by the PayPal Acceptable Use Policy;

vi. industrial machinery used in manufacturing;

vii. items equivalent to cash (including, without limitation, gift cards);

viii. goods and services purchased using Zong, Website Payments Pro, Virtual Terminal or Personal Transaction payments; and

ix. any wager (whether by way of backing or laying against any outcome or otherwise) and any other opportunity to benefit from a gambling activity (if you are purchasing as a UK resident user of PayPal).

b. You sent the payment for your purchase from your PayPal Account to the Payment Recipient’s PayPal Account:

i. through the Send Money tab applicable to payments for goods and/or services on the PayPal website or app, or the Payment Recipient's PayPal checkout flow (including, without limitation, the PayPal Location Based Payments Functionality, if used by the Payment Recipient); and

ii. in one instalment only. Purchases paid for in multiple instalments – like a deposit followed by a final payment – are not eligible.

13.11 No Double Recovery

You may not receive a recovery for a purchase under PayPal Buyer Protection if you additionally receive a recovery for that purchase directly from the Payment Recipient or another third party.

  1. Complete Agreement and third party rights

Section 14.8 is amended to ensure that the rights of the PayPal Group (instead of eBay) as specified in the User Agreement may be enforced against you under the User Agreement.  The amended section 14.8 now reads as follows:

14.8 Complete Agreement and third party rights. This Agreement (including any Schedule) sets forth the entire understanding between you and PayPal with respect to the Service. Sections 1, 7, 8, 10, 14, 15 and Schedule 1, as well as any other terms which by their nature should survive, will survive the termination of this Agreement. If any provision of this 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 Agreement has no rights under the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any term of this Agreement (except for the PayPal Group in respect of their rights as specified in this Agreement) but this does not affect any right or remedy of third parties which exists or is available apart from that Act.”

  1. Definitions

Section 15 is being amended to include the following new or updated terms and their definitions:

  • ““PayPal Group” means PayPal Holdings Inc., and its subsidiaries and subsidiary undertakings and affiliates (which includes, without limitation, PayPal) as the case may be.”
  • ““Services” means all products, services, content, features, technologies or functions offered by PayPal and all related sites, applications, and services.”
  1. Fees for Cross Border Personal Transactions

We are reducing the fee for sending or receiving a Cross Border Personal Transaction received by a recipient resident in Brazil which is fully or partially funded by debit or credit card from 7.4% + Fixed Fee to 5.99% + Fixed Fee.  The relevant entry in the table of fees for Cross Border Personal Transactions in “Schedule 1. Table of Fees” (presented in context with the column headings) now reads as follows:

Recipient’s Country

Sender’s Country

Fee for payment fully funded by PayPal balance or bank account

Fee for payment fully or partially funded by debit card or credit card

Brazil

Anywhere

1.0%^

5.99% + Fixed Fee^

  1. Fees for Cross Border Commercial Transactions

Cross Border Fees continue to be determined by the region in which the sender’s PayPal account is registered. The Cross Border Fee sender regions (and their constituent countries) are realigned and the fees are amended so that the section labelled “Receiving Cross Border payments (Selling)” in Commercial Transactions fee table in “Schedule 1. Table of Fees” reads as follows:

       “…

Receiving Cross Border payments (Selling)

The Fee for Receiving Domestic Commercial Transaction payments applies, with the percentage-based element of that fee increased by the percentage amount of the Cross Border Fee set out in the table below (depending on the sender’s country).

 

Sender’s country

Cross Border Fee

Northern Europe*

0.4%

Europe I**

0.5%

US / Canada

1.0%

Europe II***

1.3%

Rest of World

1.8%

 

* Aland Islands, Denmark, Faroe Islands, Finland, Greenland, Iceland, Norway, Sweden.

** Austria, Belgium, Channel Islands, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany , Gibraltar, Greece, Ireland, Isle of Man, Italy , Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom, Vatican City State.

*** Andorra, Albania, Belarus, Bosnia & Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russian Federation, Serbia, Switzerland, Turkey, Ukraine.

Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments for the purpose of applying Fees.

       …”

  1. Other changes

Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors.

 

 

Amendment to the PayPal Privacy Policy

Effective Date: Jul 1, 2015

 

This notification advises you that PayPal is changing its Privacy Policy, including to reflect the new relationship that PayPal will have with eBay Inc. and its affiliates (“eBay”) after the companies are no longer affiliated by common corporate control.  The update to the PayPal Privacy Policy is effective July 1, 2015, and the changes include the following:

  1. Overview

We have added a new definition of “information” since we protect personal information of our individual users the same way as we protect information of our merchants (legal entities). The new definition reads as follows:

“For the purposes of this Privacy Policy, the term “information” means any confidential and/or personally identifiable information or other information related to users of PayPal Services, including but not limited to customers and merchants (legal entities).”

  1. Binding Corporate Rules

PayPal is committed to adequately protecting your personal information regardless of where the data resides  As a separate entity, PayPal will rely on a variety of methods to ensure adequate transfer of information across borders, including contractual mechanisms.  We have changed the title of the “Binding Corporate Rules” section to “Cross Border Transfers of Personal Information” and updated the language in the section to reflect this situation. The new section reads as follows:

”PayPal is committed to adequately protecting your information regardless of where the data resides and to providing appropriate protection for your information where such data is transferred outside of the EEA.”

  1. Information We Collect

Information about you from Third Parties

We have added a new paragraph stating that we may collect information about you from members of our corporate family, other companies and from other accounts we have a reason to believe you control. The new paragraph reads as follows:

Information About You from Other Sources: We may also collect information about you from other sources, including from members of PayPal’s corporate family, other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole).”

  1. Our Use of Cookies, Web Beacons, Local Storage and Similar Technologies

We have simplified this section and moved some of its wording into a separate policy on Cookies, Web Beacons and Similar technologies (which will be accessible by a link). This policy further explains our use of these technologies for risk mitigation and fraud detection purposes.  The new section reads as follows:

“When you access our website or use PayPal Services, we (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, "Flash cookies," or other local storage provided by your browser or associated applications (collectively "Cookies"). We use Cookies to recognise you as a customer, customise PayPal Services, content and advertising, measure promotional effectiveness, help ensure that your account security is not compromised, mitigate risk and prevent fraud, and to promote trust and safety across our sites and PayPal Services. You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with your use of our website and PayPal Services. For more detailed information on our use of these technologies, please see our policy on Cookies, Web Beacons, and Similar Technologies.”

We have also added a sentence regarding communication with you (eg for customer service) and made clear that we retain the responses to you in the records of your account. The new sentence reads as follows:

Communications: When you communicate with us for customer service or other purposes (e.g., by emails, faxes, phone calls, tweets, etc.), we retain such information and our responses to you in the records of your account.”

  1. Recipients without registered PayPal Accounts and Requests

We have also modified the language regarding users who engage an individual who is not a registered user of PayPal Services. This section explains how personal information may be collected by PayPal from unregistered users of PayPal Services if such unregistered users are engaged by a registered user of PayPal Services. The new wording reads as follows:

Individuals who are not Registered Users of PayPal Services and Requests:  When a registered user of the PayPal Services attempts to engage an individual who is not a registered user of the PayPal Services in a transaction (for instance, by sending a payment or other benefit to, or requesting a payment from that individual), we will retain the information that the registered user of the PayPal Services submits to us, including, for example, the other party's email address, phone number and/or name. Although this particular information is stored for a certain period of time in compliance with applicable law, we will not use it to market to the non-registered person. Additionally, these persons have the same rights to access and correct information about themselves (assuming that their details were correct) as anyone else who uses the PayPal Services.”

  1. Our Use and Disclosure of Information

We have added a new definition of Account Information (the information associated with a user’s  PayPal account). The new definition is:

Account Information: For the purposes of this Privacy Policy, account information (“Account Information”) includes without limitation: name, address, email address, phone number, username, photograph, IP address, device ID, geolocation information, account numbers, account types, details of funding instruments associated with the account, details of payment transactions, details of commercial transactions, customer statements and reports, account preferences, details of identity collected as part of our "know your customer" checks on you, and customer correspondence.”

Additionally, this section has been updated and highlights the purposes for which we use personal information, including for identity verification purposes, the performance and customization of PayPal Services, and our reasons and methods for contacting you.

“We collect, store and process your information on servers located in the United States and elsewhere in the world where PayPal facilities are located. Our primary purpose in collecting your information is to provide you with a safe, smooth, efficient, and customised experience. You agree that we may use your personal information to:

  • process transactions and provide the PayPal Services;
  • verify your identity, including during account creation and password reset processes;
  • resolve disputes, collect fees, and troubleshoot problems;
  • manage risk, or to detect, prevent, and/or remediate fraud or other potentially illegal or prohibited activities;
  • detect, prevent or remediate violations of policies or applicable user agreements;
  • provide you with customer support services;
  • improve the PayPal Services by customizing your user experience;
  • measure the performance of the PayPal Services and improve their content and layout;
  • manage and protect our information technology infrastructure;
  • provide targeted marketing and advertising, provide service updates, and deliver promotional offers based on the communication preferences you have defined for your PayPal account (please refer to the section "Our Contact with PayPal Customers" below) and your activities when using the PayPal Services; and
  • perform creditworthiness and solvency checks, compare information for accuracy, and verify it with third parties.”

We also explain that if you choose to answer our optional questionnaires or surveys, we may use such information to improve our services or send you marketing or advertising information.

Questionnaires, Sweepstakes, Surveys and Profile Data: If you choose to answer our optional questionnaires or surveys, we may use such information to improve PayPal Services, send you marketing or advertising information, manage the sweepstakes, or as otherwise explained in detail in the survey itself.”

Changes have been made regarding how users can limit the sharing of their personal information, including via their mobile device.

We may also share with other users the fact that you are within local reach as a customer. The new addition reads: “If you do not want this information to be shared, you can access, view and control the settings for any such data on your mobile device.”

  1. Disclosure to Third Parties other than PayPal Customers

Changes were made to this section explaining PayPal’s data sharing practices with third parties, including law enforcement agencies, credit card associations and partner companies.  For ease of reference for our users, we also moved the full list of these third parties from the Privacy Policy to a separate document accessible via separate links that direct users to the full list (see paragraph 8 below for more details). This section was also modified to reflect the changing nature of the relationship between PayPal and eBay.  Both parties will be separate entities, but would like to continue to provide users with the commerce experiences they have come to expect. The changes to this section reflect PayPal’s sharing of account information with eBay and other third parties for purposes of fraud prevention and risk management, customer service, shipping and legal compliance.   As has always been the case, third parties will not be able to use this information for their marketing purposes without a user’s express consent.

“PayPal will not sell or rent any of your personal information to third parties for their marketing purposes without your explicit consent, and will only disclose this information in the limited circumstances and for the purposes described in this Privacy Policy. This includes transfers of data to non-EEA member states.

Specifically, you consent to and direct PayPal to do any and all of the following with your information:

  1. Disclose necessary information to: the police and other law enforcement agencies; security forces; competent governmental, intergovernmental or supranational bodies; competent agencies (other than tax related authorities), departments, regulatory authorities, self-regulatory authorities or organisations (including, without limitation, the Agencies referenced in the “Agencies” section here) and other third parties, including PayPal Group companies, that we have reason to believe it is appropriate for us to cooperate with in investigations of fraud or other illegal activity or potential illegal activity, or to conduct investigations of violations of our User Agreement (including without limitation, your funding source or credit or debit card provider).

We and other organisations, including parties that accept PayPal, may also share, access and use (including from other countries) necessary information (including, without limitation the information recorded by fraud prevention agencies) to help us and them assess and to manage risk (including, without limitation, to prevent fraud, money laundering and terrorist financing). Please contact us if you want to receive further details of the relevant fraud prevention agencies. For more information on these Agencies, fraud prevention agencies and other third parties, click here.

  1. Disclose necessary information in response to the requirements of the credit card associations or a civil or criminal legal process.
  2. If you as a merchant use a third party to access or integrate PayPal, we may disclose to any such partner necessary information for the purpose of facilitating and maintaining such an arrangement (including, without limitation, the status of your PayPal integration, whether you have an active PayPal account and whether you may already be working with a different PayPal integration partner).
  3. Disclose necessary information to the payment processors, auditors, customer services providers, credit reference and fraud agencies, financial products providers, commercial partners, marketing and public relations companies, operational services providers, group companies, agencies, marketplaces and other third parties listed here. The purpose of this disclosure is to allow us to provide PayPal Services to you. We also set out <list of third parties>, under each " Category", non-exclusive examples of the actual third parties (which may include their assigns and successors) to whom we currently disclose your Account Information or to whom we may consider disclosing your Account Information, together with the purpose of doing so, and the actual information we disclose (except as explicitly stated, these third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information was shared).
  4. Disclose necessary information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).
  5. Disclose aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in Manchester. However, this aggregated information is not tied to personal information.
  6. Share necessary Account Information with unaffiliated third parties (listed here) for their use for the following purposes:
    1. Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk.  For example, if you use the PayPal Services to buy or sell goods using eBay Inc. or its affiliates (“eBay”), we may share Account Information with eBay in order to help protect your accounts from fraudulent activity, alert you if we detect such fraudulent activity on your accounts, or evaluate credit risk. 

As part of our fraud prevention and risk management efforts, we also may share necessary Account Information with eBay in cases where PayPal has placed a hold or other restriction on your account based on disputes, claims, chargebacks or other scenarios regarding the sale or purchase of goods. Also, as part of our fraud prevention and risk management efforts, we may share Account Information with eBay to enable them to operate their programmes for evaluating buyers or sellers.

  1. Customer Service: for customer service purposes, including to help service your accounts or resolve disputes (e.g., billing or transactional). 
  2. Shipping: in connection with shipping and related services for purchases made using PayPal. 
  3. Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.

Program Operations: to enable them to operate their programmes for evaluating buyer or seller standards.  For example, if you use the PayPal Services to buy or sell goods using selected partner platforms (such as eBay’s marketplace), we may share Account Information to enable them to determine whether you meet certain standards for their buyer or seller programs.

  1. Service Providers: to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.”
  1. How We Share Information with Other Third Parties

 

 

Just like most banks or financial/payment service providers, PayPal works with third-party service providers, which provide important functions to us that allow us to be an easier, faster, and safer way to make payments, and other business partners. We need to disclose user data to them from time to time so that the services can be performed.

In general, the Luxembourg laws to which PayPal’s handling of user data is subject (data protection and bank secrecy) require a higher degree of transparency than most other EU laws. This is why, unlike the vast majority of providers of internet-based services or financial services in the EU, PayPal has listed in its Privacy Policy the third party service providers and business partners to whom it discloses user data, together with the purpose of disclosure and type of information disclosed.

The current paragraph d of the part of section 4 labelled “Disclosure to Third Parties other than PayPal Customers” is moving to a table in a separate web page linked from and incorporated into the Privacy Policy and further amended to allow PayPal to disclose certain PayPal customer information to additional third parties or for additional purposes for the purposes set out in the table below, or change the scope of purposes and data shared as set out in the table below.

Category

Party Name and Jurisdiction (in brackets)

Purpose

Data Disclosed

Payment Processors

 

Global Payments UK LLP (UK)

To allow payment processing, fraud checking and dispute handling for transactions of PayPal users when those users transact with a merchant who uses the PayPal service via the Global Payments service.

Name, address, details of user funding instruments and details of payment transactions

 

WorldPay (UK) Limited, Worldpay AP Limited, (UK) Worldpay . (The Netherlands)

To allow payment processing, fraud checking and dispute handling for transactions of PayPal users when those users transact with a merchant who uses the PayPal service via Worldpay service.

All Account information except details of user financial instruments

 

 American Express Travel Related Services Company, Inc.

To allow payment processing settlement services, and fraud checking.

Unique Seller ID.

Seller MCC

Seller DBA

Authorized signer

Seller address, postal and country code

Seller phone number

Seller email address

Seller URL

Date of birth (for sole proprietors only)

For non-publicly traded Sponsored Merchants only (e.g. privately held company, sole proprietor), the following information for a Significant Owner (as defined below):

  • First and last name
  • Home address, postal code and country code
  • SSN or date of birth

Significant owner means an individual who has 25% or greater ownership of a business.

Unique seller ID*

Sponsored Merchant MCC

Sponsored Merchant DBA

Sponsored Merchant location (city, street, postal code and country code)

Sponsored Merchant phone number

 

JPMorgan Chase Bank, N.A. London Branch

Anti-money laundering, sanctions list checking and compliance checks

Name of merchant, country of domicile, and business activity

 

Adyen B.V. (Netherlands)

To allow payment processing and settlement services globally.

Name, address, details of payment instruments, and details of payment transactions.

 

Allied Irish Bank PLC  (UK)

To allow payment processing and settlement services in Europe.

 

Name, address, details of payment instruments, and details of payment transactions.

 

Cardinal Commerce Corporation (US)

To facilitate 3DSecure checking for payment processing globally.

Standard transaction data for 3DSecure.

 

Coinbase Inc. (US)

To allow payment processing and settlement services globally.

Name, address, details of payment instruments, and details of payment transactions.

 

Heartland Payment Systems, Inc. (USA)

To allow payment processing and settlement services in the United States.

Name, address, details of payment instruments, and details of payment transactions.

 

Merchant e-Solutions, Inc.  (US)

To allow payment processing and settlement services in the United States.

Name, address, details of payment instruments, and details of payment transactions.

 

Moneris Solutions Corporation (Canada)

To allow payment processing and settlement services in Canada.

Name, address, details of payment instruments, and details of payment transactions.

 

National Australia Bank Ltd. (Australia)

To allow payment processing and settlement services in Australia.

Name, address, details of payment instruments, and details of payment transactions.

 

Network Merchants, LLC. (US); Network Merchants Inc. (US)

To allow payment processing and settlement services in the United States.

Name, address, details of payment instruments, and details of payment transactions.

 

Stockholms Enskilda Bank AB (Sweden)

To allow payment processing and settlement services in Europe.

Name, address, details of payment instruments, and details of payment transactions

 

WorldPay, Inc. (US); WorldPay Ltd. (UK)

To allow payment processing and settlement services globally.

Name, address, details of payment instruments, and details of payment transactions.

Customer Service Outsourcing

 

LatentView Analytics Pte. Ltd

To provide customer services regarding payments globally.

Name, address, phone number, email addresses, truncated and limited or full funding source information (case dependent), funding source expiration dates, type of PayPal account, proof of identity, account balance and transaction information, customer statements and reports, account correspondence, shipping information, and promotional information.

 

Authentify Inc.

Telephony based authentication service

Mobile and land-line phone numbers

 

CallPoint New Europe AD dba TELUS International Europe (Bulgaria)

 

To operate

refunded returns service.

Name, email address, PayPal transaction ID, return information (returned item category, reason for return, amount of return, currency, country of return, type of return) and shipping documentation evidence.

 

Key Performance Group SAS, France

Administration of PayPal member referral program

First name, last name, email, customer ID, transaction information related to referral rewards

 

New Relic, Inc. (US)

To provide analytics allowing us to troubleshoot errors in the service globally.

Log Data and Aggregated data on the service performance.

 

PagerDuty, Inc. (US)

To alert on-call technicians that an email has arrived globally.

Subject of the Email at issue.

 

Sumologic, Inc. (US)

To provide analytics allowing us to troubleshoot errors in the service globally.

Log Data and Aggregated data on the service performance.

Credit Reference and Fraud Agencies

Please note that in addition to the stated purposes below, PayPal uses your personal information to detect, prevent, and/or remediate fraud or other illegal actions, or to detect, prevent or remediate violations of policies or applicable user agreements.

 

SCHUFA Holding AG (Germany), infoscore Consumer Data GmbH (Germany)

To verify a customer's identity and address, carry out checks for the prevention and detection of failing direct debit payments, and of crime including fraud and/or money laundering, including checks on the linkage of the customer and its bank account, to help determine creditworthiness of consumers (if they have a German PayPal account and have specifically consented to such check) and of merchants, and for research and testing as to appropriateness of products and services.

The creditworthiness scores that we request from these agencies include scores that are calculated according to mathematical-statistical procedures.

Please note the fact that PayPal requested such information, and any negative account performance data disclosed to these databases in relation to customers who have a German PayPal account may potentially be:

• retained by the database for audit purposes and for scoring of such customer’s creditworthiness;
• any such score may be disclosed to other third parties for the purpose of gauging creditworthiness

and
• transferred outside of the EU and on a global basis.

Further, in relation to customers who have a German PayPal account, the information on a failed direct debit payment may be:

• retained by the infoscore database for audit purposes; and

• (without linkage to the customer’s identity) disclosed to other third parties for the purpose of preventing failed direct debit payments.

Name, address, email address, date of birth, gender, bank account details, information on failed direct debit payments from a bank account (without linkage to the identity of the customer), and in case the transfer of such information is legally justified, also certain information on negative account performance of a customer with a German PayPal account.

 

AuthenticID LLC

To verify identity; automatic data extraction from images of documents,and document validation / forgery detection. Research and testing as to appropriateness of new products and services.

Name, address, email address, date of birth, legal form, company registration number, VAT number, documents proving identity and address, ownership of a funding instrument, or other documents requested by PayPal and the data contained therein for Risk / Compliance/ Credit purposes.

 

Zoot Enterprises, Inc. (USA), Zoot Deutschland GmbH (Germany), Zoot Enterprises Limited (UK)

To process technical applications and to provide a data and document gateway for account review, testing and vetting purposes, and to exchange user information and images of documents proving identity, address and ownership of funding instrument with contracted fraud and credit reference agencies. To also aggregate data from internal and external data sources and provide statistical analysis in order to assess the risk of fraud.

All account information and documents supplied by customers, to include information used to provide identity and address, ownership of a funding instrument, or other documents requested by PayPal and the data contained therein for Risk / Compliance / Credit purposes. This information may also include IP addresses.

 

Kount, Inc. (US)

To facilitate fraud checking for payment processing globally.

Name, address, device fingerprint data, details of payment instruments, and details of payment transactions.

 

Artefacts Solutions LLC (US)

To detect fraud and mitigate risk related to transaction processing.

Truncated card number, amount of transaction, chargeback ratio, credit ratio, and decline ratio.

 

Experian Information Solutions, Inc. (US)

To verify identity, assist in making decisions concerning a customer’s credit worthiness, carry out checks for the prevention and detection of crime including fraud and/or money laundering.

Please note that data disclosed to these agencies may be retained by the applicable credit reference and fraud agency for audit and fraud prevention purposes.

Name, address, social security number, date of birth, business name, legal name of business, tax ID, business phone number.

 

 

Trulioo Information Services, Inc. (US)

To verify identity, carry out checks for the prevention and detection of crime including fraud and/or money laundering.

Please note that data disclosed to these agencies may be retained by the applicable credit reference and fraud agency for audit and fraud prevention purposes.

Name, date of birth, address, ID number (if provided).

Commercial Partnerships

 

Stubhub Services S.à.r.l. (Luxembourg)

For the purposes of its AML and KYC requirements.

First and last name, date of birth, residential address, nationality, national ID/passport number

Marketing and Public Relations

 

TNS Deutschland GmbH (Germany)

To conduct customer service and marketing surveys.

Name, email address, phone number, type of account, type and nature of the PayPal services offered or used, and relevant transaction information.

 

Rapp (France), Antics (US), Partner Path

To develop, measure and execute marketing campaigns.

Name, business name, address and registration number of merchant/partner, name, job, title, email address, phone number of merchant’s contact person, merchant website URL, PayPAl account number, third party applications used by the merchant, behaviour on PayPal Services website.

 

Adobe Systems Incorporated.

To execute retargeting campaigns in order to deliver personalised advertising.

Anonymous ID generated by cookies, pixel tags or similar technologies embedded in webpages

 

Oracle Corporation UK Ltd

To develop, measure and execute marketing campaigns.

Name, business name, address and registration number of merchant, name, job title, email address, phone number of merchant’s contact person, merchant website URL, PayPal account number, third party applications used by the merchant, behaviour on PayPal website.

 

Iris (Germany)

To develop, measure and execute marketing campaigns.

Name, business name, address and registration number of merchant/partner, name, job title, email address, phone number of merchant’s contact person, merchant website URL, PayPal account number, third party applications used by the merchant, behaviour on PayPal website.

 

OC&C Strategy Consultants Limited (UK)

To conduct market research and develop  insight

Anonymized account and transaction information

Operational services

 

Gothia AS (Norway)

To collect debt; to handle reporting to credit reference agencies about defaulting customers.

Name, address, phone number, account number, date of birth, email address, account type, account status, last four digits of financial instruments account, sort code, account balance, details of account transactions and liabilities, name of funding source provider, applicable details of account behaviour and copies of all correspondence (including without limitation, all correspondence relevant for reporting to credit reference agencies) in each case relating to amounts you owe (or another person owes) to us.

 

Salesforce.com, Inc. (USA),  Oracle America Inc. (USA), Adobe Systems Incorporated (USA), Teradata Corporation

To fulfil email operations in respect of the PayPal services (including, but not limited to, operations, customer services, collections, marketing programmes and promotions).

Name, address, email address, business name, business contact details, domain name, account status, account type, account preferences, type and nature of the PayPal services offered or used and relevant transaction and account information.

 

Zoot Enterprises, Inc. (USA), Zoot Deutschland GmbH (Germany), Zoot Enterprises Limited (UK)

To process technical applications and to provide a data and document gateway for account review, testing and vetting purposes, and to exchange user information and images of documents proving identity, address and ownership of funding instrument with contracted fraud and credit reference agencies.

All account information and documents supplied by customers such as proofs of identity and address, ownership of a funding instrument, or other documents requested by PayPal and the data contained therein for Risk / Compliance Credit purposes.

 

Lattice Engines, Inc.

To develop and optimize predictive models.

Name of the merchant, name of the contact person, address, email address, merchant website URL

 

Interact CC Ltd (UK)

Providing assistance with PayPal service to customers

Customer name, business name, phone numbers, contact email, website, business industry, shipping details, card details for the payment

 

The unbelievable Machine Company GmbH

 

Hosting BillSafe application on its servers

All Account information.

Group companies

 

PayPal Inc. (USA)

Acting on behalf of PayPal for the purposes of storing and processing of Account information.

All Account information.

 

PayPal Europe Services Limited (Ireland), PayPal Malaysia Services Sdn Bhd (Kuala Lumpur), PayPal Israel Ltd (Israel), PayPal India Private Limited (India), PayPal (UK) Ltd (UK), PayPal France S.A.S. (France), PayPal Deutschland GmbH (Germany), PayPal Spain SL (Spain), PayPal Italia Srl (Italy), PayPal Nederland BV (Netherlands), PayPal European Marketing SA (Switzerland), PayPal Polska Sp Zoo (Poland), PayPal Bilisim Hizmetleri Limited Sirketi (Turkey), PayPal International Sarl (Luxembourg), PayPal SE (UK), Bill Me Later Inc. (Germany), PayPal Information Technologies (shanghai) Co., (China), PayPal Australia Pty Limited (Australia), PayPal Charitable Giving Fund (USA), PayPal Giving Fund UK (UK), Tradera AB (Sweden),

Acting on behalf of PayPal for the purpose of customer support, risk assessment, compliance and/or other back office.

All Account information.

 

PayPal Pte. Ltd. (Singapore)

Acting for the account of PayPal by entering into and performing non-customer contracts which involve customer data.

All Account information.

 

Commercial partners

 

 

 

eBay Inc. (USA), eBay Europe S.à r.l. (Luxembourg), eBay Services S. à r.l. (Luxembourg), eBay International AG (Switzerland), eBay Corporate Services GmbH (Germany), eBay France SAS (France), eBay (UK) Limited (UK), eBay CS Vancouver Inc. (Canada), eBay Partner Network Inc. (USA), eBay Internet Support (Shanghai) Co Ltd (China), eBay Enterprise Marketing Solutions (USA) (formerly GSI Commerce, Inc (USA), VendorNet Inc (USA), PepperJam Network (USA), GSI Media Inc. (USA), M3 Mobile Co., Ltd. (Korea), MBS (USA), ClearSaleing (USA), True Action Network (USA), True Action Studio (USA)), GumTree.com Limited (UK), Kijiji International Limited (Ireland), Kijiji US Inc. (USA), mobile.de & eBay Motors GmbH (Germany), Shopping.com Inc. (USA), Shopping Epinions International Limited (Ireland), Marktplaats B.V. (Netherlands), Private Sale GmbH (Germany), StubHub, Inc. (USA), Viva Group, Inc. (USA), StubHub Europe S.à r.l. (Luxembourg), StubHub Services S.à r.l. (Luxembourg), Viva Group, Inc. (USA), ProStores Inc. (USA), MicroPlace, Inc. (USA), Internet Auction Co., Ltd. (Korea), Via-Online GmbH (Germany), Zong Inc.(USA) and X.commerce, Inc. (USA). eBay Europe Services Limited (Ireland), eBay GmbH (Germany)

To provide joint customers content and services (including, but not limited to registration, transactions, failover for carrier billing accounts, and customer support), to assess risk, or to help detect, prevent and/or remediate fraud, or other potentially illegal acts and violations of policies, and to guide decisions about their products, services and communications.

All Account information.

 

 

 

 

 

Amendment to the PayPal Acceptable Use Policy

Effective Date: Jul 1, 2015

We encourage you to carefully review this Policy Update to familiarise yourself with all of the changes that are being made to the PayPal Acceptable Use Policy.

  1. Tobacco Products, E-cigarettes and Prescription Drugs and Devices

The Acceptable Use Policy currently prohibits use of PayPal for activities that violate applicable law or industry regulations regarding the sale of tobacco products or prescription drugs and devices.  We're replacing that prohibition with new policy language covering these types of items, as well as e-cigarettes.  Under the new language, use of PayPal for cigarette transactions will be prohibited.  In addition, merchants will be permitted to use PayPal for sales of non-cigarette tobacco products, e-cigarettes, and prescription drugs and devices only with PayPal’s pre-approval.

The changes will be as follows: 

  • Section 5 under Prohibited Activities, which contains the current provisions related to tobacco products and prescription drugs and devices, will be removed. 
  • A new Section 2(c) under Prohibited Activities will read as follows:
    • You may not use the PayPal service for activities that: … 2. relate to transactions involving … (c) cigarettes …
  • The relevant parts of the chart under Activities Requiring Approval will be revised to read as follows:
    • PayPal requires pre-approval to accept payments for certain services as detailed in the chart below.

Service Requiring Pre-Approval

Contact Information

… selling … non-cigarette tobacco products, e-cigarettes or prescription drugs/devices.

Please send contact information, business website URL and brief business summary to aup@paypal.com

  1. Hate, violence, racial intolerance and the financial exploitation of a crime

We’re revising the provision of the Acceptable Use Policy related to hate, violence, racial intolerance and the financial exploitation of a crime.  That provision will be moved from Section 2(e) to Section 2(f) under Prohibited Activities and read as follows:

You may not use the PayPal service for activities that: … 2. relate to transactions involving … (f) the promotion of hate, violence, racial intolerance or the financial exploitation of a crime …

  1. Bribery and Corruption

We’re adding to the Acceptable Use Policy an express prohibition against use of PayPal for payments related to bribery or corruption.  A new Section 3(k) under Prohibited Activities will read as follows:

You may not use the PayPal service for activities that: … 3. relate to transactions that … (k) involve offering or receiving payments for the purpose of bribery or corruption.

  1. Gambling

The Acceptable Use Policy currently prohibits use of PayPal for gambling-related activities unless they are legal in the places where the operator and the customers are located and the operator has received prior approval from PayPal.  We’re making some changes to present that policy more clearly, including to clarify that it covers fantasy sports.

Here is some additional detail on the changes:  Our policy on gambling-related activities is currently set out in Section 6 under Prohibited Activities, and Section 6 is cross-referenced in the first sentence under Activities Requiring Approval.  We’re removing Section 6 and the related cross-reference, and we’re adding a new row to the chart under Activities Requiring Approval that sets out our policy on gambling-related activities. 

In that new row, we’re preserving the non-exclusive list of covered gambling-related activities contained in the current Acceptable Use Policy, with two changes.  First, we’re supplementing the list to clarify that fantasy sports are covered.  Second, we’re making a change to some language in the current Acceptable Use Policy related to games of skill.  The current language indicates that games of skill are covered, whether or not they are legally defined as lotteries.  The revised language will reference gambling instead of lotteries.  That is, it will indicate that games of skill are covered, whether or not they are legally defined as gambling.

The relevant parts of the chart under Activities Requiring Approval will be revised to read as follows:

“PayPal requires pre-approval to accept payments for certain services as detailed in the chart below.

Service Requiring Pre-Approval

Contact Information

Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not legally defined as gambling) and sweepstakes, if the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.

Please send contact information, business website URL and brief business summary to aup@paypal.com

            …”

 

  1. Transactions on eBay

The Acceptable Use Policy currently includes a provision under Transactions on eBay related to use of PayPal in support of eBay transactions.  That provision requires, with respect to such use of PayPal, compliance both with the Acceptable Use Policy and with eBay’s rules related to prohibited and restricted items set forth on eBay’s website.  In connection with the prospective separation of the eBay and PayPal businesses into independent publicly traded companies, we’re removing that provision from the Acceptable Use Policy.

 

 

Amendment to the PayPal User Agreement

Effective Date: Jan 29, 2015

Please read this document.

You do not need to do anything to accept the changes as they will automatically come into effect on the above date. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/ie/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.

We do hope, however, that you continue to use PayPal and enjoy the following benefits:

It’s safer

When you pay with PayPal your sensitive financial details are never shared with sellers or retailers, so you’re more protected against fraud.

It’s faster

You don’t have to type in your card details each time you pay, so you can check out faster online. You can also get eBay items delivered more quickly, as you can pay the seller instantly.

It’s easier

PayPal is the preferred web payment method in the UK because it’s a smarter, savvier way to pay online in just a few clicks. All you need is your email address and a password.

Please review the current User Agreement.


Amendment to the PayPal User Agreement.

  1. Intellectual Property

    Section 1.3 is amended to clarify the conditions of use of HTML logos provided by PayPal through its merchant services, auction tools features or affiliate programmes.  The amended section 1.3 now reads as follows:

    1.3 Intellectual Property. The URLs representing the PayPal website(s), “PayPal,” and all related logos of our products and services described in our website(s) are either copyrighted by PayPal, trademarks or registered trademarks of PayPal or its licensors. In addition, all page headers, custom graphics, button icons, and scripts are either copyrighted by PayPal, service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify, alter, amend or use them without our prior written consent. You, as a merchant, may use HTML logos provided by PayPal through our merchant services, auction tools features or affiliate programmes without prior written consent for the sole purpose of identifying yourself on your website as a merchant who accepts payments through the Service and directing web traffic from that website to the Service, but we may limit or revoke this permission at any time and for any reason in our sole discretion. You may not alter, modify or change these HTML logos in any way, use them in a manner that is disparaging to PayPal or the Service or display them in any manner that implies PayPal’s sponsorship or endorsement. All right, title and interest in and to the PayPal website and any content thereon is the exclusive property of PayPal and its licensors.”

  2. Sending Money – Our execution of your Payment Orders

    The last sentence of the last paragraph of section 3.1 is amended by the insertion of further detail of to clarify the extent of PayPal’s obligations regarding settlement of refund transactions. The amended sentence now reads as follows (with added wording underlined):

    “… PayPal reserves the right not to effect a payment made by you until it receives cleared funds (this also means, without limitation, that PayPal is not obliged to settle a refund transaction before having received funding for the original transaction).”

  3. Special Funding Sources

    The part of section 3.4 relating to “Special Funding Sources” is amended by the insertion of further detail about how Special Funding Sources may be used. The amended part of section 3.4 relating to “Special Funding Sources” paragraphs read as follows:

    “Special Funding Sources: Certain payments may be funded by special Funding Sources linked to your Account, such as merchant/transaction specific balance, gift vouchers or other promotional Funding Sources, the use and priority of which are subject to further terms and conditions between you and PayPal (“Special Funding Sources”).

    Your Account Overview may show the notional amount available in your Special Funding Sources to fund qualifying payments at any given time.  This amount does not constitute E-money, is not deemed part of your Balance and is not redeemable in cash - it only represents the amount of E-money which PayPal offers to issue and credit to your PayPal Account at the time of (and only to immediately fund) a qualifying PayPal payment, subject to (and only for the period outlined in) the further terms and conditions of use of that Special Funding Source.  If your PayPal payment funded by a Special Funding Source is rescinded (including, without limitation, Reversed) at a later time for any reason, PayPal will keep the amount that represents the portion of that PayPal payment that was funded by your Special Funding Source and (provided that the Special Funding Source has not already expired) reinstate the Special Funding Source.”

  4. Preferred Funding Sources when making Recurring or Automatic Payments

    Section 3.5c is amended to clarify the limitations of setting a Preferred Funding Source for your payments. The amended section 3.5c now reads as follows (presented in context with the relevant part of the root of section 3.5):

    3.5 Preferred Funding Source. If you would like to select a Preferred Funding Source you may do so in these instances:

    c. Limitations. If you have a Balance in your PayPal Account and your payment does not qualify for funding by a Special Funding Source, PayPal will use your Balance instead of your Preferred Funding Source, unless your Preferred Funding Source is eCheque or PayPal Credit. If you have a Balance and do not want to use it to fund your next payment, you must withdraw from your Balance before initiating your next payment.”

  5. Your liability for cancelled direct debits.

    We are adding a short sentence to the end of the paragraph in section 3.7 (Bank Transfers) that begins with “PayPal will make electronic transfers from your bank account…” to outline your liability to PayPal in certain cases when you cancel a direct debit.  The new sentence reads as follows:

    If you cancel any direct debit (including, without limitation, any SEPA Direct Debit), you agree to reimburse us for the value of any goods or services that you have consumed with the proceeds of that direct debit.”

  6. Restricted Activities

    Section 9.1.ag is amended to make it a restricted activity (for the avoidance of any doubt) to expose PayPal to the risk of any regulatory fines by European, US or other authorities for processing your transactions. The amended section 9.1.ag reads as follows (presented in context with its root clause):

    “9.1 Restricted Activities . In connection with your use of our website, your Account, or the Services, or in the course of your interactions with PayPal, a User or a third party, you will not:

    ag. Allow your use of the 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 in accordance with sections 3.3, 4.1 and 6.3. or where you expose PayPal to the risk of any regulatory fines by European, US or other authorities for processing your transactions); or

    …”

  7. PayPal Buyer Protection

    Section 13 is amended to make several improvements to the PayPal Buyer Protection policy. The amendments will:
    • improve the conditions of reimbursement under PayPal Buyer Protection by:
      • increasing the time allowed for buyers to raise a Dispute from 45 days to 180 days from the date on which payment was made (UK resident PayPal users already benefit from this improvement); and
      • extending the range of eligible purchases to cover custom made items that are claimed to be Not Received.
    • for UK resident users contracting with PayPal under the User Agreement, clarify at new section 13.4.a.k that the purchase of any wager (whether by way of backing or laying against any outcome or otherwise) and any other opportunity to benefit from a gambling activity is not an eligible purchase.
    • for all users contracting with PayPal under the User Agreement, clarify at section 13.6 that, if PayPal has reason to believe that returning an item that the buyer claims is SNAD to the Payment Recipient would result in a violation of applicable law, such as laws related to handling counterfeit items, PayPal may report the item to a competent authority. This may result in the authority taking control of and/or possession of the item from the buyer and the Payment Recipient might not receive the item back.

    Please remember that if you sell or market to buyers in other countries, you should read the PayPal Buyer Protection policies of the countries in which your target buyers are based (the relevant PayPal Buyer Protection policies are available here and are also accessible via the “Legal” or “Legal Agreements” footer on most PayPal site pages) as these policies will apply to you as a Payment Recipient or seller.  The link to the relevant PayPal Buyer Protection policies will also be included in section 13.1.
  8. Other changes

    Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors.

 

Amendment to the PayPal Privacy Policy

Effective Date: Dec 29, 2014

  1. Information We Collect

    We have amended the part of section 3 labelled “Required Information” to outline the further information that we may request from you when you use certain functionalities provided by us and the basis on which we may use that information.

    The amended parts of section 3 labelled “Required Information” now reads as follows (presented in context with the clause heading):

    Required Information

    If you use certain functionalities provided by us (including, without limitation, PayPal POS functionality on your mobile app) we may ask you to upload a picture of you in order to provide these specific services. Your face must be recognisable. Your image is solely your responsibility.

  2. Our Use and Disclosure of Information

    The part of section 4 labelled “Disclosure to Other PayPal Customers” is amended to clarify the circumstances in and the basis upon which we may share certain elements of your information (such as your picture and the fact that you are within local reach as a customer). The amended segment of this part of section 4 now reads as follows (presented in context with the clause heading):

    Disclosure to Other PayPal Customers

    If you are using your mobile app, we may share your picture that you have stored with your mobile app with other PayPal users so that they can identify you, You license us to use your image for the above purposes on a non-exclusive, worldwide, royalty-free, transferable and sub-licensable basis.

    We may also share with other users the fact that you are within local reach as a customer.

    …”

  3. Our Use and Disclosure of Information - Disclosure to Third Parties other than PayPal Customers

    Just like most banks or financial/payment service providers, PayPal works with third-party service providers. We need to disclose user data to them from time to time so that the services our users have requested can be performed. These service providers provide important functions to us that allow us to be an easier, faster, and safer way to make payments.

    In general, the Luxembourg laws to which PayPal’s handling of user data is subject (data protection and bank secrecy) require a higher degree of transparency than most other EU laws. This is why, unlike the vast majority of providers of internet-based services or financial services in the EU, PayPal lists in its Privacy Policy every third party service provider to whom it discloses user data, together with the purpose of disclosure and type of information disclosed.

    Paragraph d of the part of section 4 labelled “Disclosure to Third Parties other than PayPal Customers” has been amended to allow PayPal to disclose certain PayPal customer information to additional third parties or for additional purposes for the purposes set out in the table below, or change the scope of purposes and data shared as set out in the table below.

    Category

    Party Name and Jurisdiction (in brackets)

    Purpose

    Data Disclosed

    Credit Reference and Fraud Agencies

    Please note that in addition to the stated purposes below, PayPal uses your personal information to detect, prevent, and/or remediate fraud or other illegal actions, or to detect, prevent or remediate violations of policies or applicable user agreements.

     

    DueDil Limited (UK)

    To receive business information for risk assessment, and compliance with anti-money laundering requirements, such as establishing the corporate structure and beneficial ownership.

    Company registration number, name and address of business, name, address, date of birth of directors.

     

    Creditsafe USA Inc. (USA)

    To receive business information for risk assessment, and compliance with anti-money laundering requirements, such as establishing the corporate structure and beneficial ownership.

    Company registration number, name, and address of business, name, address, date of birth of directors

     

    ID Checker.nl BV (Netherlands) (Ireland)

    To verify identity; automatic data extraction from images of documents, and document validation / forgery detection. Research and testing as to appropriateness of new products and services.

    Name, address, email address, date of birth, legal form, company registration number, VAT number, proof of identity, address, ownership of a funding instrument or other documents requested by PayPal and the data contained therein for Risk / Compliance/ Credit purposes.

     

    Au10tix Limited (Cyprus)

    To verify identity; automatic data extraction from images of documents,and document validation / forgery detection. Research and testing as to appropriateness of new products and services.

    Name, address, email address, date of birth, legal form, company registration number, VAT number, documents proving identity and address, ownership of a funding instrument, or other documents requested by PayPal and the data contained therein for Risk / Compliance/ Credit purposes.

     

    Zoot Enterprises, Inc. (USA), Zoot Deutschland GmbH (Germany), Zoot Enterprises Limited (UK)

    To process technical applications and to provide a data and document gateway for account review and vetting purposes, and to exchange user information and images of documents proving identity, address and ownership of funding instrument with contracted fraud and credit reference agencies. To also aggregate data from internal and external data sources and provide statistical analysis in order to assess the risk of fraud.

    All account information and documents supplied by customers, to include information used to provide identity and address, ownership of a funding instrument, or other documents requested by PayPal and the data contained therein for Risk / Compliance / Credit purposes. This information may also include IP addresses.

    Marketing and Public Relations

     

    DemandGen AG (Germany)

    To execute e-mail marketing campaigns

    Name, email address, phone number, type of account, type, and nature of PayPal Services offered or used and relevant transaction information.

     

    StrikeAd UK Ltd. (UK), Ad-x Limited (UK), Criteo Ltd. (UK), Criteo Singapore Pte.Ltd

    To execute and measure retargeting campaigns in order to segment users for PayPal Here marketing campaigns.

    Anonymous cookie ID, Advertising ID and device ID to segment user groups for marketing purposes.

     

    Nanigans, Inc. (USA), Fiksu, Inc. (USA), Ad- X Limited (UK), Criteo Ltd. (UK), Criteo Singapore Pte.Ltd

    Help identify behaviour in the mobile app in order to guide decision about targeted marketing; to help efficiently handling and optimising mobile campaigns on social networks and elsewhere in the web

    Anonymous cookie ID, Advertising ID, and Device ID used by a specific person, events in the mobile app about the use of the mobile app by a specific user (including, without limitation, login, successful completion of the transaction), but no payment and financial information details.

    Content of advertisements to be delivered to specific users and, as appropriate, segmentation group to which such person belongs to for advertisement purposes.

    Operational services

     

    Zoot Enterprises, Inc. (USA), Zoot Deutschland GmbH (Germany), Zoot Enterprises Limited (UK)

    To process technical applications and to provide a data and document gateway for account review and vetting purposes, and to exchange user information and images of documents proving identity, address and ownership of funding instrument with contracted fraud and credit reference agencies.

    All account information and documents supplied by customers such as proofs of identity and address, ownership of a funding instrument, or other documents requested by PayPal and the data contained therein for Risk / Compliance Credit purposes.

    Group companies

     

    Private Sale GmbH (Germany),

    To provide joint customers content and services (including, but not limited to registration, transactions, failover for carrier billing accounts, and customer support), to assess risk, or to help detect, prevent and/or remediate fraud, or other potentially illegal acts and violations of policies, and to guide decisions about their products, services and communications.

    All account information.

     

  4. Other changes

    Sections of the PayPal Privacy Policy have been amended to clarify existing wording and correct typographical errors.

 

Amendment to the PayPal Website Payments Pro and Virtual Terminal Agreement

Effective Date: Jan 29, 2015

 

You can find the amended PayPal Website Payments Pro and Virtual Terminal Agreement below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

  1. Online Card Payment Services.

    The agreement will now cover your use of any Online Card Payment Services, for which a new definition is added as follows:

    Online Card Payment Services: Functionality provided online by PayPal to enable merchants to receive payments directly from a payer’s card (without the funds passing via the payer’s PayPal Account), without the card being present at the website or other point of sale. Online Card Payment Services are integral to the Products such as Website Payments Pro and Virtual Terminal. PayPal HereTM is not an Online Card Payment Service because the card is present at a physical point of sale.”

  2. Getting started.

    We are inserting the following sentence at the end of section 1.1 to clarify your integration options:

    “If your Product is Website Payments Pro, you may only integrate and use Website Payments Pro in one of the following mutually exclusive ways - either (i) as a PayPal Hosted Solution (in which PayPal operates Website Payments Pro for you as a PayPal-hosted service) or (ii) operated on your own facilities - (each option being a “Hosting Option”). PayPal may (but, notwithstanding any other provision in this Agreement, shall not be obliged to) provide both Hosting Options. PayPal may, at its sole discretion, set either Hosting Option as your default option for integrating the Direct Payments API into the payment process of your website.”

  3. Parity among payment methods.

    Section 1.3 is amended to clarify the requirements for parity among payment methods available for use on your website. The amended section 1.3 now reads as follows:

    Parity among payment methods. In displaying payment options on your website, you must display the logos of PayPal and the Card Associations with size and prominence equal among themselves and among those of any other payment methods available for use on your website. You must not display a preference for one payment method over another. “

  4. Your information.

    Section 1.4 is amended to clarify the importance of PayPal’s Privacy Policy regarding your use of the Online Card Payment Services and now reads as follows:

    “Your information. You confirm that you have read, consented and agreed to PayPal’s Privacy Policy, which explains the information that we collect about you and your online business. In particular, you agree and consent that PayPal may obtain from a third party your credit history and financial information about your ability to perform your obligations under this Agreement; the PayPal Privacy Policy lists the companies involved in this exchange of credit-related information. PayPal will review your credit and other risk factors of your Account (reversals and chargebacks, customer complaints, claims etc.) on an ongoing basis, and we may also review your website and the products for sale on it. PayPal will store, use and disclose all information that we have about you in conformity with PayPal’s Privacy Policy.”

  5. Fees

    The following text in the last paragraph of each of sections 2.1 and 2.2: ± The percentage listed is a percentage of the payment you receive. The fixed fee is charged in the currency of the payment if you have a balance in your Account in that currency. Otherwise it is charged in the currency that corresponds to the Account Nationality of your Account.” is amended to read as follows:

    “The percentage listed in the above table is a percentage of the payment you receive. The fixed fee is charged in the currency of the payment received.”

  6. Your PCI DSS compliance.

    Section 3.2 is amended to clarify your obligations regarding PCI DSS compliance and now reads as follows:

    “Your PCI DSS compliance. You also agree to comply with the PCI Data Security Standard (PCI DSS). You must protect all Card Data that comes within your control according to PCI DSS, and you must design, maintain and operate your website and other systems in conformity with PCI DSS. You must ensure that your staff are and remain sufficiently trained so that they are aware of PCI DSS and can carry out its requirements. PayPal is not responsible for any costs that you incur in complying with PCI DSS.”

  7. PayPal’s PCI DSS compliance.

    A new section 3.3 is inserted to set out the entirety of PayPal’s obligations to you regarding PCI DSS of your Product, which reads as follows:

    “PayPal’s PCI DSS compliance. PayPal warrants that PayPal and your Product comply and will comply with PCI DSS. However, PayPal’s compliance, and your Product’s, are not sufficient to achieve compliance with PCI DSS by you and your systems and processes.”

  8. 3D Secure.

    A new section 3.4 is inserted to set out your obligations regarding the implementation of 3D Secure, which reads as follows:

    “3D Secure. Requirements of the European Central Bank and PayPal’s bank regulators require use of 3D Secure in certain circumstances, and Card Associations may also require it to reduce an excessive number of Card Transactions unauthorised by the cardholder. PayPal may by notice to you require that you implement 3D Secure for all or certain specified Card Transactions. You agree to implement 3D Secure if required in such a notice, where the issuer of a particular card supports 3D Secure for that card.”

  9. User Agreement applies.

    Section 4.1 is amended to clarify the role of the User Agreement in this agreement and now reads as follows:

    “User Agreement applies. You acknowledge and agree that the User Agreement, and not this Agreement, is the “framework contract” between you and PayPal as defined in laws transposing the Payment Services Directive (2007/64/EC)(. The terms of the User Agreement also apply to you and are incorporated by reference into this Agreement. The definition of “Services” in the User Agreement shall be amended to include your Product, and the definition of “Agreement” shall include this Agreement. In case of any inconsistency between this Agreement and the User Agreement, this Agreement supersedes the User Agreement, but only to the extent of that inconsistency. Where this Agreement and the User Agreement both specify a fee for the same action, the fee specified in this Agreement will apply rather than the fee in the User Agreement. The User Agreement can be found via a link in the footer of nearly every PayPal web page. The User Agreement includes important provisions which:

    1. Permit PayPal to take a Reserve to secure your obligation to pay Chargebacks, Reversals and fees;
    2. Obligate you to follow PayPal’s Acceptable Use Policy in your use of PayPal;
    3. Give legal effect to PayPal’s Privacy Policy, which governs our use and disclosure of your information and that of Shared Customers; and
    4. Permit PayPal to restrict a payment or your PayPal Account in circumstances listed in the User Agreement.”
  10. ID codes.

    Section 5.2 has been amended to clarify the use of identifying codes and your obligations in relation to them and now reads as follows:

    “ID codes. PayPal will provide you with certain identifying codes specific to you. The codes identify you and authenticate your messages and instructions to us, including operational instructions to PayPal software interfaces. Use of the codes may be necessary for the PayPal system to process instructions from you (or your website). You must keep the codes safe and protect them from disclosure to parties whom you have not authorised to act on your behalf in dealing with PayPal. You agree to follow reasonable safeguards advised by PayPal from time to time in order to protect the security of those identifying codes. If you fail to protect the security of the codes as advised, you must notify PayPal as soon as possible, so that PayPal can cancel and re-issue the codes. PayPal may also cancel and re-issue the codes if it has reason to believe that their security has been compromised, and after notifying you whenever notice can reasonably be given.”

  11. Ownership of PayPal Website Payments Pro information and materials.

    A new section 5.3 is inserted to set out your obligations regarding the use of information and materials provided to you when using PayPal Website Payments Pro, which reads as follows:

    “Ownership of PayPal Website Payments Pro information and materials. As part of Merchant’s access to, and utilisation of PayPal Website Payments Pro, Merchant will be provided with certain information and materials (the “Pro Materials”) which are able to be used by Merchant to use PayPal Website Payments Pro. All intellectual property rights associated with the Pro Materials remain the property of PayPal or the relevant Acquiring Institution (as the case may be). Merchant agrees to not give, transfer, assign, novate, sell, resell (either partly or in whole) the Pro Materials to any person.”

  12. No warranty

    The text that used to sit at section 5.3 is moved to a new section 8.2 and we are inserting a further paragraph after it, so that it reads as follows:

    No warranty. Your Product and all accompanying documentation are provided to you on an “as is” basis. PayPal does not give or offer any warranty, express or implied, by operation of law or otherwise, in relation to your Product, the licensed software or user documentation provided. Nothing provided by PayPal under this Agreement or otherwise for your Product has PayPal’s authorisation to include a warranty, and no obligation or liability will arise out of PayPal’s rendering of technical, programming or other advice or service in connection with any Product, licensed software and user document provided (including, without limitation, services that may assist you with the customisation of your Product). PayPal recommends that you test the implementation of your Product thoroughly as PayPal is not responsible for any loss caused by a defect in it.

    If PayPal hosts your Product (in other words, we run the software for you as a web service), PayPal does not guarantee continuous, uninterrupted or secure access to your hosted Product. PayPal will not be liable for any delay or failure in hosting your Product. You acknowledge the availability of your Product for use may be occasionally limited to allow for repairs, maintenance or the introduction of new facilities or services.”

  13. Data Security Requirements

    Schedule 1 (dealing with Data Security Requirements) has been amended to read as follows:

    “Schedule 1

    Data Security Requirements

    Website Payment Pro and Virtual Terminal enable you to accept payments online directly from debit and credit cards, which are payment instruments whose security depends on controlling the disclosure of Card Data. A person who has sufficient Card Data can send or receive a card payment charged to the cardholder’s account without necessarily having the cardholder’s authorisation for the payment. To prevent your Shared Customers from having their Card Data misused, you must keep Card Data secret at all times. Laws transposing the Data Protection Directive also require you to keep a Shared Customer’s personal data secure.

    PayPal strongly recommends that you obtain the services of a competent professional expert in information security to advise you and assist in securing your website and any other points of sale.

Principles of Data Security

  1. Design and development. You must design and develop your Critical Systems and all payment‑related processes so that they are secure from intrusion and interference by unauthorised persons.   All users of your systems must be required to authenticate themselves to your Critical Systems, and those Systems must limit the access and powers of their users. You must also organise your business so as to segregate critical duties and create controls and checkpoints in your operations, rather than place too much unchecked power over your systems and operations in one person. Never give a user more power over your systems and processes than the minimum necessary for the user to perform his or her assigned role.
  2. Protection against intrusion. You must divide your operations into two basic categories, (1) those functions available to all users including those outside your organisation, and (2) those available only to trusted people within your organisation. You must employ a firewall to block untrusted users from the using internal-only functions of your Critical Systems. Your web servers and other external-facing portions of your Critical Systems must use well developed and thoroughly tested technology, and make available externally only those functions which are necessary for Shared Customers and other external users to use. Strip your external-facing servers of all superfluous functions to protect (harden) them and reduce their vulnerability to external attack.
  3. Access controls. Your Critical Systems must restrict access to Card Data and all other personal or important data to only trusted persons within your organisation, and no such person should have greater access to such data than is necessary for that person to perform his or her role. Your systems must track and log all access, use, modification and deletion of Card Data and other personal or important data so that you maintain an audit trail of all such actions. You must also limit access to your Critical Systems and the resources on which they depend such as networks, firewalls, and databases.
  4. Data minimisation. As a general principle, you should gather and retain no more Card Data or other sensitive data than you need. Holding Card Data and personal data creates a risk of liability to you, and you can reduce that risk by taking and holding less data. If you store Card Data, consider carefully the need to do so: PayPal must refund a payment which lacks its payer’s authorisation, and if the user will authorise a further payment, the user will generally also give you up-to-date Card Data again, so you may have little need to store Card Data for future use. Card Data that you do not have is data that you cannot spill if you suffer a Data Breach.
  5. Changes and testing. Except in emergencies, avoid changing Critical Systems without first planning, testing, and documenting the change, unless the change is routine (e.g. adding a user, changing a password, updating inventory and prices). For major systemic changes or those which can impact the security or availability of your Critical Systems, planned changes should be escalated for approval by high-ranking managers other than the planners of those changes. Implement planned changes in your production systems only after they have been thoroughly tested in a non production environment. Conduct all such testing under the supervision of the your risk management department or others in your company with particular responsibility for its losses.
  6. Audits. You must audit the operations and security of your Critical Systems at least once a year. This systems audit must be distinct from any audit of your finances. Use trusted and independent experts to audit your Critical Systems, and if you use your employees as auditors, ensure their independence by protecting their employment from retaliation and by isolating them from the work of administering, operating, changing and testing your Critical Systems.
  7. Outsourcing and organisational control. You must ensure that all persons who have access to your Critical Systems, or who design, develop, operate, maintain, change, test and audit your Critical Systems comply with this Agreement and PCI DSS. You are responsible to ensure compliance even if such persons are not your employees.

What to do in case of a Data Breach

  1. Data Breach. If you experience a Data Breach, you agree to do all of the following:
    1. Take whatever action you can to stop the Data Breach and mitigate its consequences immediately after discovering the Data Breach.
    2. Notify PayPal as soon as possible after discovering the Data Breach by contacting your account manager (if one is assigned to you) or contacting our Customer Service (details of how to contact us are on the "Contact Us" page). If you cannot simultaneously do (a) and notify PayPal, then do (a) first and then notify PayPal.
    3. Notify all Shared Customers whose Card Data has been exposed or which is likely to have been exposed, so that those Shared Customers can take steps to prevent misuse of the Card Data. You further agree to complete this notification immediately after you perform (a) and (b) above, to notify PayPal when you have completed this notification, and to provide a list of Shared Customers whom you have notified. If you fail to complete this step promptly after the Data Breach, PayPal may notify Shared Customers of the Data Breach, and will identify the Shared Customers from your PayPal Account records of who has paid you using a card.
    4. If requested by PayPal, have an independent third party auditor, approved by PayPal, conduct a security audit of your Critical Systems and issue a report. You agree to comply with PayPal’s request under this clause at your own expense. You must provide a copy of the auditor’s report to PayPal, and PayPal may provide copies of it to the banks (including, without limitation, Acquiring Institutions) and Card Associations involved in processing card transactions for PayPal. If you do not initiate a security audit with 10 business days of PayPal’s request, PayPal may conduct or obtain such an audit at your expense. See also Schedule 1 on Audit.
    5. Cooperate with PayPal and follow all reasonable instructions from PayPal to avoid or mitigate consequences of the Data Breach, to improve your Critical Systems so that they satisfy the requirements this Agreement, and to help prevent future Data Breaches. However, PayPal shall not require you to do more than this Agreement requires, unless the additional measures are reasonable in light of the risk to Shared Customers and the best practices of online retailing.
    6. Resume normal operation of your Critical Systems only when you have ascertained how the Data Breach occurred and taken all reasonable steps to eliminate the vulnerabilities that made the Data Breach possible or which could make other Data Breaches possible;
    7. Report the Data Breach to law enforcement authorities, cooperate in any investigation that they undertake, and cooperate as the authorities may request in order to identify and apprehend the perpetrator of the Data Breach.
    8. Refrain from using Card Data that have been exposed or modified in the Data Breach. However, this clause does not prevent you from obtaining and using Card Data again from Shared Customers affected by the Data Breach, after the vulnerabilities in your Critical Systems have been remedied pursuant to (f) above.

Data protection

  1. You as data controller. You confirm that you are the data controller (as defined in the Data Protection Directive) for all personal data of Shared Customers that you collect and store.
  2. Your compliance with European privacy laws. You agree to comply with all applicable laws and regulations, including without limitation, the laws of your country that transpose the Data Protection Directive or any successor to it and any rules or guidance by the data protection regulator of your country.

Card Data and PCI DSS

  1. Retention of Card Data. Unless you receive and record the express consent of the cardholder, you may not retain, track, monitor or store any Card Data. You must completely and securely destroy all Card Data that you retain or hold within 24 hours after you receive an authorisation decision from the issuer relevant to that Card Data.

    If, with the cardholder’s consent, you briefly retain Card Data, you may do so only to the extent that the Card Data are necessary for processing payment transactions with the cardholder’s authorisation. You must never give or disclose the retained Card Data to anyone, not even as part of the sale of your business. Moreover, and regardless of anything to the contrary, you must never retain or disclose the card verification and identification data printed in the signature stripe on the back of the card (i.e. the CVV2 Data), not even with the cardholder’s consent.
  2. Card Data that you must not store. Notwithstanding the immediately preceding clause, you agree to not store any personal identification number (PIN) data, AVS Data, CVV2 Data, or data obtained from the magnetic stripe or other digital storage facility on the card (unless that data is also printed or embossed on the front of the card). of any cardholder Card associations may impose fines if you violate this clause, which reflects card association rules. In this clause, ‘store’ means retain in any form, whether digital, electronic, paper-based, or otherwise, but does not include temporary capture and holding of data while it is actively being processed (but not afterwards).
  3. Merchant’s use of Card Data. You agree not to use or disclose Card Data except for the purposes of obtaining authorisation from the card issuer, completing and settling the Card Transaction for which the Card Data was given to you, together with resolving any Chargeback or Reversal Dispute, or similar issues involving Card Transactions. PayPal is required by banking laws to refund payments lacking the payer’s authorisation, so your use of Card Data to carry out a Card Transaction must be authorised by the cardholder or it will subject to Reversal.
  4. Secure storage and disposal of Card Data. You agree to:
    1. establish and maintain sufficient controls for limiting access to all records containing Card Data;
    2. not sell or disclose to a third party any Card Data or any information obtained in connection with a Card Transaction;
    3. keep no Card Data on paper or in portable digital storage devices such as USB memory devices or removable disks;
    4. not reproduce any electronically captured signature of a cardholder except on PayPal’s specific request; and
    5. destroy Card Data either by destroying the medium on which the Card Data are stored or by erasing or rendering the Card Data completely and irreversibly unintelligible and meaningless.
    If you transfer your business, Card Data and any information you have about Card Transactions is not transferable under Card Association rules as an asset of the business. In such cases, you agree to provide the Card Data and any transactional data to PayPal if it requests. If PayPal does not request such data, you must destroy it when your business transfers.
  5. PCI DSS audit. If PayPal so requests, you agree that a Qualified Security Assessor may conduct a security audit of your systems, controls and facilities and issue a report to PayPal and the Associations. You agree to cooperate fully in the conduct of this audit, and to provide any information and access to your systems required by the auditor for the performance of the audit. You also agree to bear the reasonable expenses of this audit. If you fail to initiate such an audit after PayPal requests you to do so, you authorise PayPal to take such action at the Merchant’s expense, or PayPal may immediately suspend your use of your Product. You will receive a copy of the audit report, and PayPal must also receive a copy and provide a copy to any Acquiring Institution or Card Association that requests a copy.”

 

Amendment to the PayPal User Agreement

Effective Date: Jun 17, 2014

 

1.  PayPal seller protection – expansion of geographic coverage

PayPal is pleased to confirm that PayPal seller protection is being made available to Payment Recipients with registered PayPal Account(s) in the Czech Republic, Greece, Hungary and Slovakia (in addition to those Payment Recipients with registered PayPal account(s) in the UK and Ireland) who receive PayPal payments from buyers making eligible purchases outside of eBay.

Section 11.2 is amended accordingly to read as follows:

"11.2 Availability of PayPal seller protection

PayPal seller protection is available to:

  1. Payment Recipients with registered PayPal Account(s) in the Relevant Countries who receive PayPal payments from buyers making an eligible purchase via eBay (worldwide and everywhere PayPal is accepted); and
  2. Payment Recipients with registered PayPal Account(s) in the UK, Ireland, Czech Republic, Greece, Hungary and/or Slovakia who receive PayPal payments from buyers making eligible purchases outside of eBay.

PayPal seller protection does not apply to Claims, Chargebacks and/or Reversals for the reason that the purchase was Significantly Not as Described (SNAD) nor for items that you deliver or are picked up in person.”

 

Amendment to the PayPal User Agreement

Effective Date: Jun 17, 2014


Please read this document.

You do not need to do anything to accept the changes as they will automatically come into effect on the above date. Should you decide you do not wish to accept them you can notify us before the above date to close your account (https://www.paypal.com/ie/cgi-bin/?&cmd=_close-account) immediately without incurring any additional charges.

We do hope, however, that you continue to use PayPal and enjoy the following benefits:

It’s safer

When you pay with PayPal your sensitive financial details are never shared with sellers or retailers, so you’re more protected against fraud.

It’s faster

You don’t have to type in your card details each time you pay, so you can check out faster online. You can also get eBay items delivered more quickly, as you can pay the seller instantly.

It’s easier

PayPal is the preferred web payment method in the UK because it’s a smarter, savvier way to pay online in just a few clicks. All you need is your email address and a password.

Please review the current User Agreement.


Amendment to the PayPal User Agreement.

  1. PayPal as Login Method

    PayPal allows certain third parties, with your permission, to use PayPal as a means for you to log into those third parties’ websites or other online services. A new section 2.4 has been added to explain how this works and clarify your rights and the obligations of the party offering PayPal as a means of login, which reads as follows:

    2.4 PayPal as Login Method.If you use PayPal as means of logging into external websites or mobile apps, we may share your login status with any third party offering this Service as a login method, as well as the personal and other Account information that you consent to being shared so that the third party can recognise you. PayPal will not give such third party access to your PayPal Account and will only make payments from your Account to that third party with your specific authorisation.

    If you offer this Service as a means for visitors to log into your website, app, or otherwise for 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. PayPal does not guarantee or otherwise represent the identity of any user of this login method. PayPal 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.”

  2. Sending Money – Our execution of your Payment Orders

    Section 3.1.a is amended to clarify the time on a Business Day after which your Payment Order will be treated as received by us on the following Business Day, if your Account is registered in, the Czech Republic, Greece, Hungary and Ireland. The amended section 3.1.a now reads as follows (presented in context with the clause heading):

    “3.1 Our execution of your Payment Orders. Subject to the terms of this Agreement (and your compliance with the same), you agree that we will execute a Payment Order made by you via your Payment Account and credit the payment service provider of the person to whom you are sending your payment, as soon as the payment schemes available to PayPal allow (which can be within the next Business Day) following the date you gave us and we received your valid Payment Order. This is subject to you providing us with:

    a. your Payment Order before 4pm on a Business Day, except that the relevant time shall be 5.00pm if your Account is registered in Greece, 3.00pm if your Account is registered in Ireland, 2.45pm if your Account is registered in Hungary and 2.00pm if your Account is registered in the Czech Republic. All times stated are local times of the country where your Account is registered. If you provide us with your Payment Order after this time or not on a Business Day, you agree that your Payment Order was received by us on the following Business Day;…”

  3. Funding Sources

    Section 3.4 is amended by the insertion of:

    1. a new paragraph clarifying that, when adding a card as a Funding Source, you are providing PayPal with a continuous authority to automatically charge that card as a Funding Source; and
    2. a new paragraph outlining how special Funding Sources (such as merchant specific balances and gift vouchers) may be used

    The new paragraphs read as follows:

    “Cards as Funding Sources: By adding a debit card, credit card or pre-paid card as a Funding Source, you are providing PayPal with a continuous authority to automatically charge that card to obtain the relevant funds when the card is used as a Funding Source pursuant to this Agreement. You can stop the continuous authority in respect of any card by removing that card as a Funding Source in your Account Profile.

    Special Funding Sources: Certain payments may be funded by special Funding Sources linked to your Account, such as merchant specific balance, gift vouchers or other promotional funding sources, the use and priority of which are subject to further terms and conditions between you and PayPal (“ Special Funding Sources”). Your Account Overview may show, as part of your overall account balance, the notional amount available in your Special Funding Sources to fund qualifying payments at any given time.”

  4. Preferred Funding Sources when making Recurring or Automatic Payments

    Section 3.5b is amended to clarify how you may use a Preferred Funding Source for Recurring or Automatic Payments. The amended section 3.5b now reads as follows (presented in context with the relevant part of the root of section 3.5):

    3.5 Preferred Funding Source. If you would like to select a Preferred Funding Source you may do so in these instances:

    b. In your Account Profile – My Preapproved Payments. If you have set up a Recurring or Automatic Payment, or authorise a merchant or other third party to collect payments from your PayPal Account, you may be able to select a Preferred Funding Source for all future payments to the merchant or other third party. You may do so by logging in to your Account, selecting "Profile", selecting "My Preapproved Payments", and then by selecting the links to set a Preferred Funding Source (may be called "Backup Funding Source"). Otherwise we will use your Default Funding Source. ”

  5. Third party initiated payments (including Recurring Payments).

    The paragraph in section 3.10 (Third party initiated payments (including Recurring Payments)) setting out obligations on payment recipients to notify the payer in advance is amended to read as follows (presented in context with the relevant part of the root of the paragraph):

    “Third parties who present us with a payment request under this provision hereby:

    • agree that they will notify their customers at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the customer could not have reasonably expected to pay such an amount, taking into account that customer’s previous spending patterns and the circumstances of the payment and that they will be liable to PayPal for any refunds of such payment in accordance with the terms of this User Agreement.”
  6. Receiving Money

    We are adding a short sentence to the start of section 4 to clarify the possibilities of receiving money with PayPal, which reads as follows:

    “PayPal may allow anybody (with or without a PayPal Account) to initiate a payment to your Account....”

  7. Restricted Activities

    A new Section 9.1.ah is added to make it a restricted activity to fail to comply with mandatory requirements set out in our integration or programmers’ guides. The new section 9.1.ah reads as follows (presented in context with its root clause):

    “9.1 Restricted Activities . In connection with your use of our website, your Account, or the Services, or in the course of your interactions with PayPal, a User or a third party, you will not:

    ah. Integrate or use any of the 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.”

  8. Keeping your Payment Instrument Safe

    Section 9.2 is amended by the addition of new sub-sections 9.2.i and 9.2.j, which, in general, require you to keep your personal details in your Account up to date and take all reasonable steps to protect the security of any device that you use to access the Services. The new sections 9.2.i a and 9.2.j read as follows (presented in context with their root clauses):

    “9.2 Keeping your Payment Instrument Safe . You agree to perform the following actions to keep your Payment Instrument safe:

    i. Keep your personal details in your Account up to date. We may be unable to respond to you if you contact us about your Account from an address, telephone number or email account that is not registered with us.

    j. Take all reasonable steps to protect the security of the personal electronic device through which you access the Services (including, without limitation, using pin and/or password protected personally configured device functionality to access the Services and not sharing your device with other people)."

  9. Seller Protection Programme

    Section 11.1 is amended to clarify the scope of the Seller Protection Programme. The amended section 11.1 reads as follows:

    “11.1 What is PayPal seller protection?

    If you are the recipient of a payment made by a customer ("Payment Recipient"), we may reimburse you an amount for Claims, Chargebacks, or Reversals made against you based on the following reasons:

    a. A Chargeback or Reversal was issued against you for the reason of an “Unauthorised Payment”; or

    b. A Chargeback or Claim was issued against you for the reason of “Not Received”,

    where PayPal receives from you proof that the item was posted or delivered in accordance with the requirements set forth below, subject to the further provisions of this section 11 (including, without limitation, the Eligibility Requirements at section 11.6)."

  10. PayPal Buyer Protection

    With effect from a date to be confirmed by PayPal in due course (falling on or after the Effective Date), section 13 will be amended to make several improvements to the PayPal Buyer Protection policy. The amendments will:
    1. improve the conditions of reimbursement under PayPal Buyer Protection for PayPal users registered as UK residents by:
      1. increasing the time allowed for buyers to raise a Dispute from 45 days to 180 days from the date on which payment was made; and
      2. extending the range of eligible purchases to cover :
        1. intangible items (including, without limitation, rights of access to digital content and other licences) ;
        2. services; and
        3. travel tickets (including, without limitation, airline flight tickets); and
      3. for all users contracting with PayPal under the User Agreement, clarify:
        1. the conditions for reimbursement under PayPal Buyer Protection if you are a buyer (including, without limitation, your requirements to cooperate with PayPal if a problem with a purchase is reported to PayPal);
        2. the extent of your potential liability under PayPal Buyer Protection if you are a Payment Recipient (i.e. a seller)
        3. the nature and scope of PayPal’s discretionary role in providing PayPal Buyer Protection;
        4. the choices you have to resolve a problem with a purchase without involving PayPal; and
        5. by way of notice, that in certain cases the proceeds of a buyer’s payment to a UK based Payment Recipient for event tickets may be held on trust for (i.e. for the benefit of) the buyer, to ensure that they can get their money back through PayPal, subject to further conditions, if the event does not take place on the scheduled date.
    The new section 13 reads as follows:

    “13.1 What is PayPal Buyer Protection?

    PayPal Buyer Protection enables PayPal to make a final decision at its full and sole discretion on any problem raised by a buyer in respect of any purchase paid for using PayPal. The final decision may result in PayPal reimbursing the buyer for the amount of the payment made through PayPal for the purchase (up to the full price of the purchase and (where applicable) original postage costs) and the Payment Recipient bearing liability to PayPal for that reimbursement.

    PayPal Buyer Protection is neither a product warranty nor a service warranty. No guarantees are given.

    If you are a Payment Recipient, your liability under PayPal Buyer Protection may be covered by the Seller Protection Programme (please see section 11 for more details). Sometimes we may be able (but shall not be obliged) to waive your liability for the reimbursement for other reasons (at our full and sole discretion).
    Whether you are the buyer or Payment Recipient, you acknowledge that the Services may be used as a method of payment for a wide and complex variety of types of purchases, both online and offline. Accordingly and notwithstanding anything otherwise in this Agreement, you agree that PayPal may (but shall not be obliged to) at any time and for any reason at its full and sole discretion and without liability:

    a. make a final decision on any problem with a purchase raised by a buyer with a PayPal account registered anywhere in the world (whether under the PayPal Buyer Protection policy or User Agreement of the country of registration of that buyer’s PayPal Account or otherwise) in favour of the buyer or the Payment Recipient. The final decision will always be communicated in writing (which may be by email). In the event that PayPal makes a final decision on the problem in favour of the buyer or Payment Recipient, each party must comply with PayPal’s final decision; and

    b. waive the terms and conditions of coverage under PayPal Buyer Protection (whether stated in this Agreement or otherwise, including, without limitation, the conditions of reimbursement at section 13.4) at any time and for any reason, for the purpose of facilitating the resolution of any problem raised by a buyer relating to a purchase paid for using PayPal. As a non-exhaustive guide, this may include allowing reimbursement for Disputes or Claims raised outside of the timeframes set out in section 13.5 for certain purchases (typically purchases agreed to be delivered or performed outside of the timeframe set out in section 13.5), where we have reason to believe that the buyer did not have a reasonable opportunity within that timeframe to determine that there was a problem with that purchase.

    PayPal is not obliged to reimburse you for any costs that you incur to comply with any of PayPal’s requests for cooperation for the purpose of resolving the problem (including, without limitation, costs that you incur to return a SNAD item to the Payment Recipient or another party as PayPal requests), although sometimes it may reimburse these costs.

    If you sell or market to buyers in other countries, please read the PayPal Buyer Protection policy of the countries in which your target buyers are based (accessible via the “Legal” or “Legal Agreements” footer on most PayPal site pages) as these policies will apply to you as a Payment Recipient or seller.


    13.2 Is PayPal Buyer Protection right for me? The outcome of any decision made by PayPal under PayPal Buyer Protection might not always be suitable for your particular needs and you should carefully read this section 13 and consider your options before using PayPal to resolve a problem. Please see below for a non-exhaustive list of ways of resolving your problem without involving PayPal.
    1. Resolve the problem directly with the Payment Recipient: Before contacting PayPal about a problem, you should contact the Payment Recipient directly to resolve the problem in accordance with the Payment Recipient’s return policy (if any) as stated on their eBay listing, website or other sales literature. If you do this:
      1. the conditions for reimbursement at section 13.4 will still apply (including, without limitation, the timeframe for raising a Dispute set out in section 13.5b).It is your responsibility to keep track of these deadlines; and
      2. there is a risk that the Payment Recipient may require you to take certain actions that could cause you to fail to meet the conditions for reimbursement at section 13.4 (for instance, if (whether as part of the Payment Recipient’s return policy or otherwise) the Payment Recipient directs you (and you proceed) to post an item that you purchased to an address that does not correspond with our record of the Payment Recipient’s address, we may determine that you have not posted the item back to the Payment Recipient in compliance with section 13.6).
      If you are a Payment Recipient, as you may be liable for any reimbursement made by PayPal to the buyer, you acknowledge that it is in your interests to resolve directly with the buyer any problem with a purchase paid for through PayPal.
       
    2. Your statutory/legal rights: You may wish to contact the European Consumer Centre (ECC-Net) at http://ec.europa.eu/consumers/redress_cons for advice on your consumer rights and other legal rights (if you are a UK resident you can also contact the Citizens Advice Bureau by visiting https://www.adviceguide.org.uk).
       
    3. Card chargeback rights: You may pursue your chargeback rights with your card company or card issuer (if they apply), but if you do so at the same time as pursuing the resolution of your problem (whether through a Claim or Dispute) under PayPal Buyer Protection or if you seek a double recovery, PayPal may close your Dispute or Claim and/or hold you liable for the amount you have been reimbursed under PayPal Buyer Protection, and you will have to rely solely on your chargeback rights.
    If PayPal is contacted to resolve a problem, PayPal may require you to take an irreversible action to resolve the problem, which might make it no longer practicable in the circumstances for you to resolve the problem in another way. For example, PayPal may require you to return the item to the Payment Recipient under section 13.6.

    13.3 What happens when PayPal makes a final decision in favour of the buyer…

    If am a buyer
    ? If PayPal makes a final decision on your problem (including, without limitation, a Dispute or a Claim) in your favour, PayPal may (but shall not be obliged to) reimburse you for the amount of the payment made through PayPal for the purchase (up to the full price of the purchase and (where applicable) original postage costs). Please see section 13.4 (Conditions for reimbursement) for details of the conditions of reimbursement.

    If I am a Payment Recipient?
    If PayPal makes a final decision on the buyer’s problem in the buyer’s favour, you will be liable to PayPal for the amount that PayPal may reimburse to the buyer. PayPal shall not be obliged to refund your PayPal or eBay fees associated with the transaction. In some cases (for instance, if you lose a SNAD Claim because the item you sold is counterfeit) you might not receive the item back from the buyer (for instance, it may be disposed of or otherwise irreversibly dealt with).

    13.4 Conditions for reimbursement

    You may be reimbursed under PayPal Buyer Protection for a problem with a purchase only if all of the following requirements are met:
    1. Your purchase is an eligible purchase. Purchases of most goods and services are eligible, except for purchases of the following :
      1. real estate (including, without limitation, residential property);
      2. businesses (including, without limitation, any items or services forming part of a business or corporate acquisition);
      3. vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats);
      4. custom made items;
      5. goods and services prohibited by the PayPal Acceptable Use Policy;
      6. items that violate eBay’s Prohibited or Restricted Items Policy;
      7. industrial machinery used in manufacturing;
      8. items equivalent to cash (including, without limitation, gift cards);
      9. goods and services purchased using Zong, Website Payments Pro, Virtual Terminal or Personal Transaction payments;
      10. anything on eBay for which the listing does not contain a PayPal Buyer Protection message or an eBay Buyer Protection message (you can view this message in the listing after you complete your purchase by logging into your eBay account, going to “my eBay,” then “won”, and looking at the listing);

        and, unless you are purchasing as a registered UK resident user of PayPal:
         
      11. intangible items (including, without limitation, rights of access to digital content and other licences) ;
      12. services; and
      13. travel tickets (including, without limitation, airline flight tickets).
    2. You sent the payment for your purchase from your PayPal Account to the Payment Recipient’s PayPal Account:
      1. through:
        1. the eBay “Pay Now” button or the eBay invoice; or
        2. for purchases made outside of eBay: the Send Money tab applicable to payments for goods and/or services on the PayPal website or app, or the Payment Recipient's PayPal checkout flow (including, without limitation, the PayPal Location Based Payments Functionality, if used by the Payment Recipient); and
      2. in one instalment only. Purchases paid for in multiple instalments – like a deposit followed by a final payment – are not eligible.
    3. Your problem is either that:

      i. you did not receive your purchase– “Not Received” (“NR”); or
      ii. your purchase is “Significantly Not as Described” (“SNAD”). Further information on what we mean by “SNAD” is set out in section 13.9.

      If your problem is a transaction that you did not authorise (including, without limitation, a duplicate or incorrect payment when using the PayPal Location Based Payments Functionality), please see section 12 and visit the PayPal Security Centre at https://www.paypal.co.uk/security. You can report the problem via the PayPal Security Centre or here.
       
    4. You have followed the process described in section 13.5 (How do I resolve my problem?).
       
    5. PayPal has made a final decision on your problem in your favour.
    13.5 How do I resolve my problem?
    1. Try to resolve your problem directly with the Payment Recipient

      Use reasonable endeavours to resolve the problem directly with the Payment Recipient. If you are still unable to resolve the problem, go to the Online Resolution Centre and follow steps b, c and d.

       
    2. Open a Dispute

      Open a Dispute within 45 days (or, if you are claiming as a registered UK resident user of PayPal, 180 days)of the date on which you made the payment for the purchase you would like to dispute. We may refuse to accept any Dispute that you open in relation to that purchase after the expiry of that period (please be aware of this if you agree a delivery time of an item or performance of a service with the Payment Recipient that falls after the expiry of that period).

       
    3. Escalate the Dispute to a Claim

      If you and the Payment Recipient are unable to come to an agreement, escalate the Dispute to a Claim within 20 days of opening the Dispute.It is your responsibility to keep track of these deadlines.

      You must wait at least 7 days from the date of payment to escalate a Dispute for a purchase Not Received (NR), unless the Dispute is for 2,500 USD or more (or currency equivalent). To find the currency equivalent in any other currency (for example, GBP or Euro) at the time of transaction please log into your Account and use the “Currency Converter” tool located in your Account Overview.

      If you do not escalate the Dispute to a Claim within 20 days, PayPal may close the Dispute and you will not be eligible for a payment under the terms of PayPal Buyer Protection.

      In certain cases, PayPal may permit you to edit or change a Claim after filing only if you wish to add further information or if you wish to change the reason of your Dispute/Claim from “Not Received” to “Significantly Not as Described”. Otherwise you may not edit or change a Claim after filing it.

       
    4. Respond to PayPal’s requests in a timely manner

      Once a Dispute has been escalated to a Claim, PayPal may make a final decision on your problem in favour of the buyer or the Payment Recipient. Before (and for the purpose of) making a final decision on your problem, PayPal may request your cooperation in resolving the problem under section 13.6.
    13.6 Cooperating with PayPal to resolve the problem

    Whether you are the buyer or the Payment Recipient, for the purpose of resolving the problem, PayPal may request and require you to (and you shall in a timely manner): (i) provide documentary evidence (at your own expense, unless PayPal agrees otherwise) to support your position (including, without limitation, receipts, third party evaluations and police reports); and (ii) take any other action that PayPal specifies. If you refuse to comply with PayPal’s requests, PayPal may make a final decision in favour of the other party.

    As
    a non-exhaustive guide, PayPal may request and require:
    1. the buyer to post back to the Payment Recipient, to PayPal or to a third party (as PayPal may direct) an item that the buyer claims is SNAD and to provide Proof of Delivery (as set out in section 11.9 above). Please take reasonable precautions in re-packing the item to reduce the risk of damage to the item during transit.
    2. the Payment Recipient to accept back the item sent to it by the buyer and refund the buyer the full purchase price plus original postage costs. If the Payment Recipient refuses to accept an item sent back to the Payment Recipient by the buyer at PayPal’s direction), PayPal may award the Claim in favour of the buyer, provided the buyer has provided satisfactory evidence to PayPal that the item was sent to the Payment Recipient at an address supplied to the buyer by PayPal during the Claim process.
    3. the buyer to reasonably cooperate with PayPal to ensure the proper and safe disposal of an item and to provide evidence of its disposal.
    4. the Payment Recipient to present evidence that the Payment Recipient delivered to/performed for the buyer the purchase as agreed with the buyer. If the Payment Recipient presents such evidence, PayPal may find in favour of the Payment Recipient even if the buyer claims to have not received the purchase.
    13.7 What if my purchase is not eligible for re-imbursement under PayPal Buyer Protection?

    You may also look to resolve a problem directly with the Payment Recipient by filing a dispute through the PayPal Online Resolution Centre. To do so, you must file a Dispute in the PayPal Online Resolution Centre within 45 days (or, if you are claiming as a registered UK resident user. 180 days) of the date on which you sent the payment. Once you have done so, you should attempt to resolve the Dispute directly with the Payment Recipient. If your payment is not eligible under PayPal Buyer Protection, PayPal is not obliged to make a decision on the Claim.

    13.8 PayPal POS Functionality
    1. If you use any PayPal POS Functionality (including the PayPal Location Based Payments Functionality) in person at a physical point of sale (for example, in store) to pay (or agree to be invoiced for a payment) from your PayPal Account for your purchase (such purchase being a “POS Purchase”), we recommend that you inspect the POS Purchase (or if your POS Purchase is not a tangible item, review the details and specification of the POS Purchase as provided by the Payment Recipient) in the presence of the Payment Recipient at the time and place of sale wherever possible, so that you can deal immediately and directly with the Payment Recipient if any issues arise with the POS Purchase.
       
    2. You may open a Dispute alleging that an item paid for as a POS Purchase is SNAD, only if:
      1. the item was not made available to you for inspection immediately before you took possession of it (for instance, you took physical possession of the item when it was in its original intact and non-re-sealable packaging); and
      2. the item’s condition as SNAD only became apparent to you when you took possession of the item (for instance, you only discovered that the item was SNAD when opening the packaging for the first time at home).
    3. You may open a Dispute alleging that an item paid for as a POS Purchase is (and we may treat your item as) NR, only if:
      1. you agreed in writing with the Payment Recipient to receive the item at a time and/or place other than the physical point of sale; and
      2. the Payment Recipient did not make the item available to you as agreed.

    13.9 What is Significantly Not as Described (SNAD)?

    1. Your purchase is Significantly Not as Described if it is materially different from the last description of it that you received from the Payment Recipient before you paid for it (which, for exclusively online purchases, shall be taken to be the Payment Recipient’s description of the purchase in the relevant online listing) (“Purchase Description”). Here are some non-exhaustive examples:
      1. You received a completely different item. For instance, you purchased a book and received a DVD or an empty box or the software that you received was not the software that was sold to you.
      2. The condition of your purchase was misrepresented. For instance, the listing for an item said “new” and the item was used.
      3. Your purchase was advertised as authentic but is not authentic.
      4. Your purchase is missing major parts or features and the fact that these parts or features are missing was not disclosed in the listing.
      5. You purchased 3 items from a Payment Recipient but received only 2.
      6. Your purchase was damaged during postage.
    2. Your purchase is not Significantly Not as Described (SNAD) if it is not materially different from the Purchase Description. Here are some non-exhaustive examples:
      1. The defect in your purchase was correctly described by the Payment Recipient.
      2. Your purchase was correctly described but you didn't want it after you received it.
      3. Your purchase was correctly described but did not meet your expectations.
      4. The item that you purchased has minor scratches and was listed as used condition.
      5. An event you purchased tickets to was postponed.
    13.10 Assumption of rights

    If PayPal pays out a Claim, Reversal or Chargeback that you file against a recipient of your payment, you agree to transfer and allow PayPal to have your rights, benefits and remedies against the recipient of your payment. This is known in legal terms for you to agree to “subrogate” or otherwise “assign” to PayPal your rights against the recipient and third parties related to the payment, and agree that we may pursue those rights, benefits and remedies directly or on your behalf, in PayPal’s discretion.

    13.11 No Double Recovery

    You may not file a Dispute/Claim, or receive a recovery, for a purchase under PayPal Buyer Protection if you have already received a recovery for that purchase directly from eBay, the Payment Recipient or another third party, or if you have already filed a case for that purchase with eBay, the Payment Recipient or another third party.

    13.12 Event tickets

    In certain cases, if you purchase a ticket or pay for the right to attend an event from a Payment Recipient who is a UK registered PayPal Account holder (“Event”), all monies paid by you may be held by PayPal on trust for you, so that the beneficial interest in such monies remains with you until the performance of the Event in question.”

     
  11. Reversals

    The definition of “Reversal” in section 15 is amended to clarify some of the causes of a payment that qualifies as a Reversal.  The amended definition reads as follows:

    ““Reversal” means a payment that you received which PayPal may reverse to the sender or another third party because the payment: (a) has been challenged by a buyer directly with their bank; and/or (b) has been removed from your Balance for any reason (other than a Chargeback or Claim pursuant to PayPal Buyer Protection), including, without limitation where (i) the payment violates our Acceptable Use Policy orwe reasonably suspect that the payment violates our Acceptable Use Policy; or (ii) the payment amount was not authorised by the sender with the relevant third party in connection with a valid third party initiated payment authorisation (see section 3.10); or (iii) the payment was funded by a bank transfer that was subsequently reversed by the bank for any reason; and/or (c) has been categorised by PayPal’s internal risk modelling as a risky payment required to be reversed to mitigate the risk associated with the payment. The term “Reversed” shall be construed accordingly. “

     
  12. Personal Transactions

    Note c. at the definition of “Personal Transaction” in Schedule 1 – Table of Fees is amended to reflect the fee payment options available to senders and recipients of Personal Transactions (with the sender paying the processing fee for a Personal Transaction by default, subject to certain exceptions).  Corresponding changes have been made to text introducing the table containing fees for Cross Border Personal Transactions.  The amended note c. at the definition of “Personal Transaction” reads as follows (presented in context with the root of the definition):

    “A "Personal Transaction" involves sending money (initiated from the “Personal” tab of the “Send Money” flow) to, and receiving money into your PayPal Account from, friends and family without making a purchase (that is, the payment is not for goods or services). If you are selling goods or services, you may not ask the buyer to send you a Personal Transaction payment for the purchase. If you do so, PayPal may remove your ability to accept any or all payments for Personal Transactions. Please also note that:


    c. when a fee applies to a Personal Transaction, the sender by default pays the fee, but certain functionality may require the recipient to pay the fee instead (for instance where that functionality allows the sender to decide that the recipient pays the fee). If you send a Personal Transaction payment from a third party (non PayPal) website or application then PayPal may allow the third party to determine if the sender or recipient of a Personal Transaction payment will pay the Personal Transaction fee. This will be disclosed to you by the third party.”

     
  13. Categories of countries for the calculation of processing fees for cross border payments

    A key determinant of the relevant processing fee for cross border payments is the region in which the sender’s PayPal account is registered. The Cross Border Fee regions (and their constituent countries) are as follows: We are adding and clarifying the status of certain countries in certain cross border fee regions.  Belarus, Georgia and Kosovo have been added to the Europe II region, the status of Macedonia and Moldova as members of the Europe II region has been clarified and the status of Monaco and Montenegro as members of the Europe I region has been clarified. The cross border fee regions (and their constituent countries) are as follows and are updated in the fee statements for cross border Personal Transactions and Commercial Transactions in Schedule 1 –Table of Fees:

    Northern Europe: Denmark, Faroe Islands, Finland (including Aland Islands), Greenland, Iceland, Norway, Sweden.

    Europe I: Austria, Belgium, Cyprus, Estonia, France (including French Guiana, Guadeloupe, Martinique, Reunion and Mayotte), Germany, Gibraltar, Greece, Ireland, Italy, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Portugal, San Marino, Slovakia, Slovenia, Spain, United Kingdom (including Channel Islands and Isle of Man), Vatican City State.

    Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo,  Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Turkey, Ukraine.
     
  14. Commercial Transaction Refund Fee

    We are adding a note on partial refunds in the section about the Commercial Transaction Refund Fee in Schedule 1 –Table of Fees, which reads as follows:

    Partial Refunds

    If you issue a partial refund of a Commercial Transaction payment, we will retain a pro-rated share of the Fixed Fee portion of the Commercial Transaction fee.

    Your buyer’s account will be credited with the amount you specify to be refunded to your buyer.

    We will debit from your account the pro-rated share of the amount initially credited to your account in connection with the Commercial Transaction payment and the pro-rated share of the fixed fee portion of the Commercial Transaction fee.”

     
  15. Other changes

    Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors.
     

Amendment to the PayPal Privacy Policy

Effective Date: May 14, 2014


Amendment to the PayPal Privacy Policy

  1. Information We Collect

    We are amending section 3 to outline details of further information that we may request from you when you use certain functionalities provided by us and to clarify the types of information about you and your business that we may collect relating to a transaction.

    The amended parts of section 3 read as follows (presented in context with the clause heading):

    “Required Information

    If you use certain functionalities provided by us (such as the PayPal POS Functionality available in your mobile app) we may ask you to upload a picture of you in order to provide these specific services. If we allow you to link your membership of an eligible loyalty scheme to your Account, we may require you to provide to us your loyalty scheme membership ID.

    Transaction Information

    When you use the PayPal Services to send money to someone else or request money from someone else, we ask you to provide information related to that transaction. This information includes the amount and type of the transaction (purchase of goods, purchase of services, or simple money transfer), other purchase details and the email address, Skype ID (if applicable) or phone number of the third party. Also, when you send money to another PayPal customer, you may be asked to provide personal details to that customer to complete the transaction. Those details may also be passed on to us from that customer. We retain this information for each of your transactions through the PayPal Services and may add this information to your account profile to be used for future transactions that you may make with us. We also collect the Internet address (IP address) and other identifying information about the computer or device you use to access your PayPal account or use the PayPal Services, in order to help detect possible instances of unauthorised transactions."

  2. Our Use and Disclosure of Information

    We are adding a new part to section 4, labelled “Content Posted by You for Publication”(beneath the part labelled “Internal Uses”). This paragraph outlines the licence and rights that you give to us and to all subsidiaries of eBay Inc. to use content that you post for publication using the PayPal Services. The new paragraph reads as follows:

    “Content Posted by You for Publication

    When providing us with content or posting content [(in each case for publication, whether on- or off-line)] using the PayPal Services, you grant eBay Inc, and its subsidiaries and subsidiary undertakings (which includes, without limitation, PayPal) (the “eBay Group”) a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sublicensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against the eBay Group, its sublicensees or assignees. You represent and warrant that none of the following infringe any intellectual property right: your provision of content to us, your posting of content using the PayPal Services, and the eBay Group’s use of such content (including of works derived from it) in connection with the PayPal Services.

    The part of section 4 labelled “Disclosure to Other PayPal Customers” has been amended to clarify the circumstances in which we may share certain elements of your information. The amended segment of this part of section 4 now reads as follows (presented in context with the clause heading):

    “Disclosure to Other PayPal Customers



    If you use PayPal as means of logging into external websites or mobile apps, we may share your login status with any third party offering this Service as a login method, as well as the personal and other Account information that you consent to being shared so that the third party can recognise you. PayPal will not give such third party access to your PayPal Account and will only make payments from your Account to that third party with your specific authorisation. You can access, view and control the settings for any such data sharing with merchants when logged into your PayPal account.

    If you link your membership of an eligible loyalty scheme to your Account in our mobile app, we may share your loyalty scheme membership ID with any merchant participating in the relevant loyalty scheme when you pay that merchant using PayPal. If you remove your loyalty scheme membership ID from your Account, we will stop sharing this information.

    …”

     

  3. Our Use and Disclosure of Information - Disclosure to Third Parties other than PayPal Customers

    The main body of paragraph d. of the part of section 4 labelled “Disclosure to Third Parties other than PayPal Customers” is amended to explain that where you have consented to disclosure of your data to a third party listed in section 4, this will also include the third party’s assigns and successors (i.e. another party that steps into the place of the third party to perform its services to PayPal) The amended paragraph d. reads as follows (presented in context with the root clause):
     

    Disclosure to Third Parties other than PayPal Customers

    PayPal will not sell or rent any of your personal information to third parties for their marketing purposes without your explicit consent, and will only disclose this information in the limited circumstances and for the purposes described in this policy. This includes transfers of data to non-EEA member states. Specifically, you consent to and direct PayPal to do any and all of the following:

    d. Disclose information to the "Categories" of third parties listed in the table below. The purpose of this disclosure is to allow us to provide our services to you. We also set out in the table below, under each "Category", non-exclusive examples of the actual third parties (which may include their assigns and successors) to whom we currently disclose your account information, or to whom we may consider disclosing your account information over the next six months together with the purpose of doing so, and the actual information we disclose (except as explicitly stated, these third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information was shared).”

    Just like most banks or financial/payment service providers, PayPal works with third-party service providers. We need to disclose user data to them from time to time so that the services our users have requested can be performed. These service providers provide important functions to us that allow us to be an easier, faster, and safer way to make payments.

    In general, the Luxembourg laws to which PayPal’s handling of user data is subject (data protection and bank secrecy) require a higher degree of transparency than most other EU laws. This is why, unlike the vast majority of providers of internet-based services or financial services in the EU, PayPal lists in its Privacy Policy every third party service provider to whom it discloses user data, together with the purpose of disclosure and type of information disclosed.


    Paragraph d of the part of section 4 labelled “Disclosure to Third Parties other than PayPal Customers” has been amended to allow PayPal to disclose certain PayPal customer information to additional third parties or for additional purposes for the purposes set out in the table below, or change the scope of purposes and data shared as set out in the table below.

    Category  

    Party Name and Jurisdiction (in brackets)  

    Purpose 

    Data Disclosed

    Customer Service Outsourcing  

    Attensity Europe GmbH  

    To provide customer services arising from customer contacts to PayPal on social media channels.  

    Information provided by the customer via social media channels which may include name, address, phone number, email addresses, social media user names, truncated and limited or full funding source information (case dependent), funding source expiration dates, type of PayPal account, proof of identity, account balance and transaction information, customer statements and reports, account correspondence, shipping information, and promotional information.  

    ePerformax Contact Centers & BPO (USA), Genpact International Inc. (USA)  

    To provide customer services regarding payments globally.

    Name, address, phone number, email addresses, truncated and limited or full funding source information (case dependent), funding source expiration dates, type of PayPal account, proof of identity, account balance and transaction information, customer statements and reports, account correspondence, shipping information, and promotional information.  

    Credit Reference and Fraud Agencies  

    LexisNexis, LexisNexis Risk Solutions UK Limited (UK)

    To assist with customer authentication

    Name, address and date of birth

    Zoot Deutschland GmbH (Germany), Zoot Enterprises Limited (UK)  

    To process technical applications and to provide a data and document gateway for account review and vetting purposes, and to exchange user information to contracted fraud and credit reference agencies. To also aggregate data from internal and external data sources and provide statistical analysis in order to assess the risk of fraud.

    All account information and documents supplied by customers, to include information used to provide identity and address. This information may also include IP addresses.

    MaxMind, Inc. (USA)  

    To detect fraud.

    Please note that data disclosed to this service provider may be:
    • retained by it for audit and fraud prevention purposes;
    • used by it for the purpose of optimising its fraud detection services provided to PayPal and other third parties; and
    • transferred outside of the EU and on a global basis.

     

    All account information and IP address, credit card information.

    Future Route Ltd (UK)  

    To carry out accounting data analysis of our commercial users for real time credit-risk evaluation.  

    Name, address, email address and date of birth.

    Financial Products  

    Total System Services, Inc. (USA)

    To process merchant initiated and customer authorised payments (including customer direct debit information) to provide account/card processing services, to store transaction, payment and other customer data related to those transactions. To provide call centre services, card printing, and statement printing services.  

    Name, address, email address, date of birth (where required), all account information and documents supplied by customers, to include information required to prove identity and address.  

    Marketing and Public Relations  

    Grayling Communications Limited (UK), Rock Communications (Italy), Fleisher (Israel), Clue PR (Poland).  

    To answer media enquiries regarding customer queries.

    Name, address, and all customer account information relevant to customer queries.

    Oracle America Inc. (USA)

    To develop, measure and execute marketing campaigns.

    Name, business name, address and registration number of merchant, name, job title, email address, phone number of merchant’s contact person, merchant website URL, PayPal account number, third party applications used by the merchant, behaviour on PayPal website.

    Foule Access SAS (France)  

    To store merchants' contact information for marketing communications to those merchants.

    Name of the merchant, name of the contact person, address, email address, phone number, merchant website URL.

    Appnexus, Inc. (US), BlueKai, Inc. (US), Conversant GMBH (Germany), Google Ireland, Ltd. (Ireland), DoubleClick Europe Ltd (UK).

    To execute retargeting campaigns in order to deliver personalised advertising.

    Anonymous ID generated by cookies, pixel tags or similar technologies embedded in webpages

    Criteo SA (France)

    To execute retargeting campaigns in order to deliver personalised advertising.

    Anonymous ID generated by cookies, pixel tags or similar technologies embedded in webpages and emails delivered to users.

    Linkedin Ireland Limited (Ireland)

    To execute retargeting campaigns in order to deliver personalised advertising.

    Encrypted e-mail address associated with PayPal users (without indicating account relationship).

    Conversant Inc. (USA)

    To execute and measure retargeting campaigns in order to identify visitors and redirect them though personalised advertising campaigns.

    PayPal Account ID (as appropriate) as well as device ID used by a specific person, content of advertisements to be delivered and segmentation in a user group for advertisement purposes.

    StrikeAd UK Ltd. (UK), Ad-x Limited (UK)

    To execute and measure retargeting campaigns in order to segment users for PayPal Here marketing campaigns.

    Anonymous cookie ID and device ID to segment user groups for marketing purposes.

    Fiksu, Inc. (US)

    To execute and measure retargeting campaigns in order to segment users for marketing campaigns involving PayPal mobile applications.

    Device ID used for Apple’s iOS operating system when a user installs an application, signs up for the PayPal Services, logs in, checks in, or sets a profile picture.

     

    Nanigans, Inc. (US)

    To execute retargeting campaigns in order to deliver personalised advertising.

    Advertising ID associated with Apple iOS devices when a user installs an application, relaunches an application, signs up for the PayPal Services, logs in, checks in, checks their balance, saves an offer, successfully completes a transaction, sets a profile picture, or makes other account changes in or related to the use of the application.

    Facebook, Inc (USA), Facebook Ireland Limited (Ireland ) and Twitter, Inc. (USA)

    To show relevant advertisements to Facebook and Twitter users (as the case may be).

    Encrypted e-mail address associated with PayPal users (without indicating account relationship).  

    Purepromoter Ltd t/a Pure360  

    To send service related and (depending on opt-in settings) promotional SMS messages to PayPal users.

    Mobile Number, name, address, email address, business name, business contact details, domain name, account status, account type, account preferences, type and nature of the PayPal services offered or used and relevant transaction and account information.  

    Operational services 

    Kanzlei Dr. Seegers, Dr. Frankenheim & Partner Lawyers (Germany, Austria, Switzerland), Akinika Debt Recovery Limited (UK), Capita Plc (UK), Compagnie Francaise du Recouvrement (France), Clarity Credit Management Solutions Limited (UK), eBay Europe Services SARL (Luxembourg); EOS Solution Deutschland GmbH (Germany), EOS Aremas Belgium SA/NV (Belgium), EOS Nederland B.V. (Netherlands), Arvato Infoscore GmbH (Germany), , Infoscore Iberia (Spain), , SAS (France), Transcom WorldWide S.p.A. (Italy), Transcom Worldwide SAS (Tunisia), Intrum Justitia S.p.A. (Italy),  

    To collect debt.

    Name, address, phone number, account number, date of birth, email address, account type, account status, last four digits of financial instruments account, sort code, account balance, details of account transactions and liabilities, name of funding source provider and copies of all correspondence in each case relating to amounts you owe (or another person owes) to us .

    KSP Kanzlei Dr. Seegers (Germany), BFS Risk & Collection GmbH (Germany); HFG Hanseatische Inkasso- und Factoring-Gesellschaft (Germany),   BFS Risk and Collection GmbH (Germany), Team 4 Collect (Spain), Arvato Polska (Poland), BCW Collections Ireland Ltd (Ireland), S.C. Fire Credit S.R.L. (Romania), Gothia Financial Group AB (Sweden), Gothia AS (Sweden), Gothia A/S (Denmark), Gothia Oy (Finland), Credit Solutions Ltd (United Kingdom).  

    To collect debt; to handle reporting to credit reference agencies about defaulting customers.

    Name, address, phone number, account number, date of birth, email address, account type, account status, last four digits of financial instruments account, sort code, account balance, details of account transactions and liabilities, name of funding source provider, applicable details of account behaviour and copies of all correspondence (including without limitation, all correspondence relevant for reporting to credit reference agencies) in each case relating to amounts you owe (or another person owes) to us .

    Begbies Traynor Group plc (UK), Moore Stephens LLP (UK), Moore Stephens Ltd (UK), Moore Stephens International Ltd (UK), Moorhead James LLP (UK), Comas Srl (Italy), RBS RoeverBroennerSusat GmbH & Co. KG (Germany), LLC Elitaudit (Russia), National Recovery Service (Russia).

     

    To investigate (including, without limitation, to carry out asset and/or site inspections and/or business evaluations) and/or collect (and/or assist with the collection of) debt from potentially and actually insolvent customers

    Name, address, phone number, account number, date of birth, email address, account type, account status, last four digits of financial instruments account, sort code, account balance, details of account transactions and liabilities, name of funding source provider and copies of all correspondence, in each case relating to amounts you owe (or another person owes) to us .

    Hanseatische Inkasso-Treuhand GmbH (Germany)  

    To collect and manage debt, to support collections teams in case of insolvent customers

    Name, address, phone number, account number, email address, account type, account status, last four digits of financial instruments account, sort code and name of funding source provider, account balance, date and amount of last payment, results of creditworthiness checks

    Zoot Deutschland GmbH (Germany), Zoot Enterprises Limited (UK)

    To process technical applications and to provide a data and document gateway for account review and vetting purposes, and to exchange user information to contracted fraud and credit reference agencies.

    All account information and documents supplied by customers such as proofs of identity and address

    Interxion Datacenters B.V.  

    To provide data centre operations support for the Bill Safe credit product.

    All relevant account information and transaction information (as appropriate).

  4. Other changes
              Sections of the PayPal Privacy Policy have been amended to clarify existing wording and correct typographical errors.