Last updated on 15 November 2022
Last updated on 15 November 2022
This user agreement is a contract between you and Limited Liability Company Non-Banking Credit Institution PayPal RU, a credit institution established under Russian law, located at Butyrskiy Val 10, 125047, Moscow, Russian Federation, and operating under the licenсe of the Central Bank of Russia No. 3517-k, governing your use of your PayPal account and the PayPal services. This agreement applies only to PayPal accounts of residents of the Russian Federation. If you are an individual, you must be a resident of the Russian Federation and at least 18 years old to open a Russia PayPal account and use the PayPal services. If you are a business or an individual entrepreneur, you must be registered in accordance with the legislation of the Russian Federation to open a PayPal account and use the PayPal Services.
Please read carefully all of the terms and conditions of this user agreement, including the Key Risks and Terms, the and each of the other agreements that apply to you.
By opening and using a PayPal account, you agree to comply with all of the terms and conditions in this user agreement. You also agree to comply with Acceptable Use Policy and each of the other agreements on the Legal Agreements page that apply to you.
We may amend this agreement and any of the policies listed above from time to time. The revised version will be effective at the time we post it on our website, unless otherwise noted. If our changes reduce your rights or increase your responsibilities we will post a notice on the Policy Updates page of our website and provide notice to you of at least 14 days. All future changes set out in the Policy Updates page already published on the Legal Agreements page at the time you register for the PayPal services are incorporated by reference into this user agreement and will take effect as specified in the Policy Update.
If you do not agree to the revised terms and conditions, you must stop using the PayPal services and close your account. This user agreement will continue to apply to your previous use of our services.
We offer two types of accounts: PayPal personal accounts (or “personal accounts”) and PayPal business accounts (or “business accounts”), both covered by this user agreement.
All PayPal accounts let you make cross-border payments like:
You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers, or any other codes that you use to access your PayPal account and the PayPal services. You must keep your IDs, mailing address, email address, contact information and other details current in your PayPal account profile.
By opening an account, you confirm that you are acting on your own behalf (or in the case of a business account, the account holder) and not on the behalf of any third-party beneficiary or beneficial owner.
If you primarily make purchases and send personal transactions to family and friends, a personal account is right for you. With a personal account you can do things like:
Unless you conduct commercial or business activities, you can also use a personal account to receive payments for the sale of goods and services; if you plan to use your PayPal account primarily to sell things, you should consider a business account.
Business accounts are for legal entities and individual entrepreneurs registered in accordance with the legislation of the Russian Federation, which have an e-mail address. Business accounts use PayPal for a business or commercial activity, to receive online payments for the sale of goods or services, or to receive donations. Business accounts are not eligible to receive “personal transactions”.
With a business account, you can do things like:
Business accounts may be subject to fees that differ from the fees applicable to personal accounts.
By opening up a business account, you certify to us that you are using it primarily for a business or commercial purpose.
To open and use a PayPal account, you must provide us with information and documents we require to verify your identity using either a simplified identification method or a full identification method.
If we verify your identity using the full identification method, the above restrictions will be changed as follows:
It is possible to hold balance in foreign currency only if you pass the full identification requirements.
From your business account, you cannot send to or receive funds from other business accounts.
If the activity through any type of PayPal account you hold reaches certain thresholds or involves certain business segments or activities, you are required to agree to a Commercial Entity Agreement to allow you to continue accepting Visa and MasterCard payments. In this case, these Commercial Entity Agreement will apply to any payment processed by PayPal on your behalf and will form part of this user agreement.
You must be the beneficial owner of your PayPal account, and conduct business only on behalf of yourself. You may expressly grant, remove and manage permissions for some third parties to take certain actions on your behalf. In some cases, you can do this when logged into your PayPal account. In other cases, you can do this directly with the third party. You acknowledge that if you grant permission for a third party to take actions on your behalf, we may disclose certain information about your PayPal account to this third party.
You may permit third party service providers licensed by applicable law to:
Granting permission to any third party to access your PayPal account in any way does not relieve you of any of your responsibilities under this user agreement. You are liable to us for the actions that you authorise the third parties to carry out. You will not hold us responsible for, and you will indemnify us from, any liability arising from the actions or inactions of such third parties in connection with the permissions you granted, subject to your mandatory legal rights.
You may close your account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayPal account even after the PayPal account is closed. When you close your PayPal account, we will cancel any scheduled or incomplete transactions. You must withdraw or transfer any PayPal balance from your PayPal account before closing it.
In certain cases, you may not close your PayPal account, including:
You can link or unlink a credit card, debit card or prepaid card to your PayPal account as a funding source. All funds in your PayPal account are e-money.
You can use a funding source as a way to obtain electronic money in your account. We may limit the availability of your funding sources to manage our risk.
You are responsible for keeping your funding source information current (i.e. credit card number and expiration date). If this information changes, we may update it using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you may remove your funding source from your PayPal account. If we update your funding source, we will keep any preference setting attached to such funding source.
By linking a funding source to your PayPal account, you give us continuous permission to automatically charge your funding source (subject to this user agreement and the terms of any mandate used by the provider of that funding source to set up and maintain that authority) to obtain funds to cover the payment amount (plus all transaction fees payable to us) when you use your account to send a payment to another user.
Any PayPal balance you hold represents the amount of e-money available for paying out from your account.
PayPal will not provide you any credits or loans to increase your balance. You will not receive interest or any other earnings on the e-money balance in your account, because Russian law forbids paying interest on e-money.
You may use the funding sources linked to your PayPal account to fund transactions you make using your PayPal account and you don’t need to have a PayPal balance in advance to buy something or send payments.
However, if you want to add funds to your balance, you can receive an e-money from another PayPal user or, if you have personal account, obtain e-money from us by cash advance to one of our partners.
If you have a PayPal balance, you may withdraw it by transferring it to a bank account linked to your PayPal account.
You may withdraw your PayPal balance in Rubles only. Any PayPal balance held in another currency will be converted at the time of your withdrawal. Our transaction exchange rate, including our currency conversion fee, will be used.
If you have a business account and the amount of your balance exceeds 550,000 Rubles (or other currency equivalent) at the end of a business day, we will initiate a transfer of the amount which exceeds the limit your exceeding balance to your bank account. We will first use your balance in Rubles and then, if needed, your balance in other currencies (in equal proportions from each balance in the foreign currency).
To protect us and our users from loss, we may delay a withdrawal in certain situations, including if we need to confirm that you have authorised the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal or dispute by a buyer). If we place a limitation on your PayPal account, a payment is subject to a hold, or your account or an associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or the negative balance is fully paid off.
We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. We will not account. We will not charge a fee to make a transfer to your bank account.
If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. The transaction exchange rate is adjusted regularly and includes a currency conversion fee applied and retained by us on a base exchange rate to form the rate applicable to your conversion. The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day; or, if required by law or regulation, set at the relevant government reference rate(s).
For some uses of your PayPal accounts, PayPal may determine currency conversion is necessary. The currency conversion fee applicable can be found on our Fees page under the heading currency conversion fees.
When your payment is funded by a credit card, or debit card and PayPal determines a currency conversion is necessary, you consent to and authorise PayPal to convert the currency in place of your debit or credit card issuer. You may have the right to have your card issuer perform the currency conversion, for that card issuer and network. Currency preference selections may be presented to you in various forms, including setting the currency of your card, a choice of which currency is used for the transaction, whether PayPal or your card issuer performs the conversion, or which conversion rate is used for the transaction, among others, and may be made available individually for each card and for each automatic payment agreement. If your card issuer converts the currency, your card issuer will determine the currency conversion rate and what fees they may charge.
PayPal will always perform the conversion for transactions where your PayPal balance or linked bank account is used as the funding source.
You have the right to receive an account statement showing your PayPal account activity. You may view your PayPal account statement by logging into your PayPal account.
You can send funds to a friend or family member using the send money feature in your PayPal account (sometimes called “personal payments” or “peer-to-peer/P2P payments”). You can send funds to a friend or family member and you can choose which funding source you want to use. Receiving funds from a friend or family member is described under Receiving Funds. The total amount of e-money transfers made by you to recipients located outside Russia may not exceed 5,000 U.S. Dollars (or other currency equivalent) per day.
We may, at our discretion and in line with the regulatory obligations, impose limits on the amount of funds you can send, including funds you send for purchases. You can view any sending limit by logging into your PayPal account. We may increase your sending limits if you complete the same steps to verify your information as is required for the removal of limits.
When you send funds to a friend or family member, one of three things may happen: they may accept, decline or fail to claim the funds. If they either decline to accept the funds or don’t claim it within 30 days of the date it is sent, the funds (including any fees you were charged) will be refunded to:
We may allow you to provide your payment instruction to us in any way which we may notify to you from time to time. The way in which you provide your payment instruction can depend on the type of payment you are making – for example:
We may require you to authenticate your instructions (i.e. give us information that we need to be sure that it’s you giving us the instructions.
Your payment becomes final and irrevocable once we accept and execute your payment instruction.
We will immediately notify you that your payment instruction is received, delayed, cancelled, accepted and executed via account profile and by email.
If a friend or family member sends funds to you, the funds will appear in your PayPal balance. To receive funds in a currency your account is not currently configured to accept, it may be necessary to create a balance in that currency or convert the funds into another currency. Certain currencies can only be received by converting the funds into another currency that PayPal allows you to hold. If the funds are converted, PayPal’s transaction exchange rate (including our currency conversion fee) will be used.
The fees applicable to sending funds can be found on our Sending Money table and will be disclosed to you in advance each time you initiate a transaction to send funds to a friend or family member. If you convert funds in your PayPal balance from one currency to another before sending funds, PayPal’s transaction exchange rate (including our currency conversion fee) will be used. And, if you use your credit card as the funding source when sending funds, you may be charged a cash-advance fee by your card issuer.
If you send funds to a friend or family member from a third party (non-PayPal) website or by using a third party’s product or service, then the third party will determine if the sender or recipient pays the fee. This will be disclosed to you by the third party before the payment is initiated.
You can also use the send money feature in your PayPal account to pay for good or services. You will not be charged any transaction fee for sending funds to purchase goods or services as long as you choose the “send money to pay for goods and services” feature in your PayPal account. In that case, the seller will pay the fees. You must not use the “send money to a friend or family member” feature in your PayPal account when you are paying for goods or services.
You can buy something from a seller who accepts PayPal or make a donation, in any currency that the recipient accepts and that PayPal supports, using the funds in your PayPal balance, or using any funding source linked to your PayPal account. This includes, for example:
If the seller you are buying from sells goods or services and that seller does not already have a PayPal account, they can claim your payment by opening a PayPal account. If they don’t open a PayPal account within 30 days, your purchase will be refunded.
In order to manage risk, PayPal may limit the funding sources available for a transaction when you buy something or make a donation. In addition, funding sources may be limited for certain sellers or recipients, including PayPal payments made through certain third-party websites or applications.
When you authorise a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction. In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorisation of the payment will remain valid until the seller completes the transaction (but no longer than 30 days). If you used a debit or credit card as the funding source, your debit or credit card issuer also may show a pending authorisation for a period of time until they release the hold or receive a completed transaction. If your payment requires a currency conversion by us, the transaction exchange rate will be determined and applied as described in the How we convert currency section and will be determined at the time the payment is processed.
When you buy something from a seller who accepts PayPal or make a donation, you don’t pay a fee to PayPal. If PayPal performs a currency conversion for your purchase or donation, PayPal’s transaction exchange rate (including our currency conversion fee) will be used.
Your credit card, debit card issuer may also charge you a separate fee for cross border transactions.
When PayPal identifies a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. When this happens, PayPal will place a hold on the transaction and notify the seller to delay shipping of the item. As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item. If we don’t clear the transaction, we will cancel it and return the funds to you, unless we are legally required to take other action.
You can agree with a seller who accepts PayPal to use PayPal as the funding source for future purchases with that seller. This agreement is between you and the seller and allows the seller to take funds from your PayPal account with your authorisation on a one-time, regular or sporadic basis. Examples of automatic payments that can be arranged by you either with a seller or with PayPal include those that PayPal calls a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” “preauthorised debit or PAD”, "preauthorised transfer" or "preapproved payment."
You may cancel an automatic payment up to 3 Business Days before the date of the next scheduled payment from your account settings or by contacting us through the PayPal Help Center. Once an automatic payment is canceled, all future automatic payments under your agreement with that seller will be stopped. If you cancel an automatic payment, you may still owe the seller funds for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for.
If you have given advance authorisation, either to a seller or to PayPal, that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis (for example, every month or otherwise on a routine billing cycle).
If you have authorised an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPal’s currency conversion fee) in effect at the time the automatic payment transaction is processed.
When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the payment will typically be refunded to the original funding source you used for the transaction if you used a credit card, debit card or PayPal balance. If you used a bank account as the funding source for the transaction, we will refund the payment to your bank account, or to your PayPal balance if we cannot refund it to your bank account. For purchases you make in a seller’s store location that you paid for using your PayPal account and the transaction is ultimately refunded, the funds will be refunded to your PayPal balance.
If PayPal performed a currency conversion for your transaction and a refund is issued:
Funds will be refunded in Rubles.
You can choose any of the funding sources in your PayPal account as your preferred funding source. You can select a preferred funding source in your account preferences on www.paypal.ru or in the PayPal app. There may be times when your preferred funding source cannot be used, for example, if you select a credit card that is expired.
You can set separate preferred funding sources for online transactions, in-store transactions and automatic payments with a seller.
If you have chosen a preferred funding source, it will be shown as the primary method of payment.
The availability of certain funding sources may be limited based on that particular seller or the third-party website you are using to complete the transaction.
If you have not selected a preferred funding source, or your preferred funding source is unavailable, we will show you available funding sources, including the funding source you used most often or most recently, at the time of transaction. You can also click on the “Manage” link to see all of your available funding sources, or add a new one, and select a funding source during the transaction.
Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred funding source is unavailable. In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction. Note that this only applies for one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup funding source, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup funding source.
When you send funds to friends and family using your PayPal balance (if available) or your bank account, we waive all fees, so we always show you these payment options first, even if you have a set preferred funding source for your online purchases. Remember, you always have the choice to select any funding source in your PayPal account by clicking the “Change” link on the Send Funds page. If you select a funding source with a fee, we will always show you the fee before you send funds.
Some sellers allow you to store PayPal as the way to pay when making purchases on their site, so you can check out faster. Often, this entails creating an agreement with the seller that permits them to request that we charge your PayPal account each time you make a purchase.
You can select a funding source for future purchases with a particular seller either at the time of creating the agreement or in your account settings on www.paypal.ru. For example, you can instruct your monthly movie subscription service to always charge your credit card for the monthly cost.
If your chosen funding source is unavailable (e.g. credit card expired), a particular agreement with a seller does not provide for the ability to specify a funding source, or if you have not designated a funding source for future transactions with a seller, the funding source used will be in the following order, if applicable: 1. Preferred funding source; 2. balance; 3. debit card; 4. credit card.
You can cancel any agreement in your account settings on www.paypal.ru.
When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal’s Buyer Protection program. When applicable, PayPal’s Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal’s Buyer Protection program. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.
The program terms and conditions are set out in PayPal’s Buyer Protection program page and form part of this user agreement.
If you use your PayPal account to receive payments for the sale of goods or services or to receive donations, you must:
By integrating into your online checkout/platform any functionality intended to enable a payer without a PayPal account to send a payment to your PayPal account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform.
You agree that you will not impose a surcharge or any other fee for accepting PayPal as a funding source. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.
You must treat PayPal funding sources or marks at least on par with any other funding sources offered at your points of sale wherever PayPal’s branded services are integrated including your websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and funding sources at your points of sale. Further, you must not present any funding source or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal’s services or marks
In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a funding source or exhibit a preference for other funding sources over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate funding source. If you enable your customers to pay you with PayPal, whenever you display or exhibit the funding sources that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positive a manner, as you do for all other funding sources.
Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction.
Notwithstanding the above, PayPal may request that you provide your tax identification number and/or other tax-related documentation or information. If you do not provide PayPal the requested information or documentation, you understand and agree that you may be subject to account limitations and withholding tax at the applicable rates on gross payments received. PayPal will send such withholding taxes to the appropriate tax authorities and cannot refund those amounts.
You must publish a refunds and return policy, as well as a privacy policy, where required by law.
PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal's Seller Protection program if they meet PayPal’s Seller Protection program requirements. We will notify you by email and/or through your PayPal account.
If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased.
If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third-party application’s buyer protection program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.
Whenever a buyer uses a debit or credit card as the funding source for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.
As a seller, you can accept payments from a buyer’s account through preauthorised transfers either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a “billing agreement,” "subscription," "recurring payment,” “reference transaction,” "pre-approved payment " or "automatic payment."
If you receive preauthorised payments from buyers: | |
You must: |
You must not: |
Get each buyer’s prior authorisation for the amount, frequency, and duration of any such payment. |
Restart future payments without the buyer’s written authorisation, if a buyer has stopped or canceled a preauthorised payment. |
Provide a simple and easily accessible online cancellation procedure, if buyers sign up for preauthorised payments online. | |
Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment. |
Your PayPal transaction fees depend on:
The fees you pay when selling goods or services or receiving donations, and the buyer pays using their PayPal account (or using another authorised wallet) can be found on the Merchant Services Fees table with the fees applicable to charitable organisations found on the Charitable Organisations Fees table. Please note that we may adjust the fees applicable to future transactions that you process using PayPal. We will provide you at least 14 days’ advance notice of any fee increase or the introduction of a new type of fee.
You may qualify to receive micropayments pricing for the sale of goods and services through your PayPal account, if your transactions typically average less than $10. In order to qualify, you must have a PayPal account that is in good standing (for example, no limitations or negative PayPal balance) and you must submit an application and have it approved by us.
If your PayPal account is approved to accept micropayments, then the fees found on the Micropayment Fees table will apply to all transactions for the sale of goods or services processed through your PayPal account, instead of Merchant Services Fees. If you have multiple PayPal accounts, you must route your micropayments transactions through the appropriate account. Once a transaction is processed, PayPal will not re-route the transaction through a different account.
If you are using PayPal Payouts (formerly Mass Pay), the terms of the PayPal Payouts Agreement will apply.
Once you have access to any account statement(s) or other account activity information made available to you by PayPal with respect to your business account(s), you will have 60 days to notify PayPal in writing of any errors or discrepancies with respect to the pricing or other fees applied by PayPal. If you do not notify PayPal within such timeframe, you accept such information as accurate, and PayPal shall have no obligation to make any corrections, unless otherwise required by applicable law. For the purposes of this provision, such pricing or fee errors or discrepancies are different than unauthorised transactions and other electronic transfer errors which are each subject to different notification timeframes as set forth in this user agreement.
If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees (including any applicable Dispute fee). Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account in the same currency as the original transaction. If your PayPal balance for a particular currency is insufficient to cover the amount of a refund or reversal, PayPal will perform a currency conversion in order to refund or reverse the transaction. PayPal’s transaction exchange rate (including our currency conversion fee) at the time the refund or reversal is processed will be used.
If you refund we’ll retain the fees you paid as set out on our Fees page.
Payments to you may be invalidated and reversed by PayPal if:
When you receive a payment, you are liable to PayPal for the full amount of the payment sent to you plus any fees if the payment is later invalidated or reversed for any reason. If the buyer paid in another currency, the full amount of that payment may be calculated in that currency, using the transaction exchange rate (including our currency conversion fee) that applies at the time the refund or reversal is processed. If your PayPal balance doesn’t cover the payment amount due plus the fees, we may use any of the funding sources linked to your PayPal account to cover the amount due. If the funding sources linked to your PayPal account don’t cover the amount due, this will result in a negative PayPal balance. A negative PayPal balance represents an amount that you owe to us, and, in this situation, you must immediately add funds to your PayPal balance to resolve it. If you don’t, PayPal may:
PayPal will charge a Dispute fee for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. The Dispute fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer, or a reversal with their bank. The Dispute fee will be charged at either the Standard Dispute fee rate or the High Volume Dispute fee rate. The Dispute fee will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute fee table the fee charged will be in your primary holding currency. The Dispute fee will be deducted from your PayPal account after the claim is decided.
The amount of Dispute fee will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of all Item Not Received and Significantly Not as Described claims you receive compared to the total amount of your sales for the previous three calendar months. Your total claims include all Item Not Received and Significantly Not as Described claims that are filed either directly with and escalated to PayPal or with the buyer’s card issuer or bank. Your total claims do not include claims for Unauthorized Transactions. For example, for the month of September, your dispute ratio will be calculated by considering your total claims to sales ratio over June, July, and August. The claims ratio for September will determine the dispute fee for all claims filed in October.
If your Disputes Ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute fee for each dispute. Otherwise, you will be charged the Standard Dispute fee for each dispute.
You will not be charged a Standard Dispute fee for disputes that are:
You will not be charged a High Volume Dispute fee for disputes that are:
Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions.
Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio.
If you engage in a Restricted Activity, PayPal may charge the High Volume Dispute fees for all current and future disputes irrespective of your dispute ratio or sales volumes, given PayPal’s increased involvement as a result of such Restricted Activity.
You should read and understand PayPal's Buyer Protection program and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you should also be familiar with PayPal’s Buyer Protection programs available to buyers in each of those countries. Buyers’ rights under these programs may impact you as a seller. You can find this information for PayPal’s programs on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the applicable user agreement for that geography.
If you lose a claim under PayPal’s Buyer Protection program in any country:
If you sell good or service to a buyer, you may be eligible for PayPal’s Seller Protection program. When it applies, PayPal’s Seller Protection program entitles you to retain the full purchase amount. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal’s Seller Protection program. There is no limit on the number of payments eligible for PayPal’s Seller Protection program. By accessing the Transaction Details page in your PayPal account you can see transactions that may be eligible for protection under this program.
The program terms and conditions are set out in PayPal’s Seller Protection program page and form part of this user agreement.
In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you will not:
If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion. The actions we may take include, but are not limited to, the following:
If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal.
You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services.
Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise noted, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve.
Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you.
In order to facilitate PayPal’s actions described above and allow us to assess the level of risk associated with your PayPal account, you agree to cooperate with PayPal’s reasonable requests for financial statements and other documentation or information in a timely fashion.
A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a temporary hold on a payment, the funds is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include:
We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with regulatory requirements. We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties. When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending. We’ll notify you, either through your PayPal account or directly by phone or email, whenever we place a hold.
Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account. We may release the hold earlier under certain circumstances (for example, if you’ve uploaded shipment tracking information related to the transaction), but any earlier release is at our sole discretion. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. In this case, we’ll hold the payment in your PayPal account until the matter is resolved (but no longer than 180 days).
If you’re a seller on a marketplace or through a third-party application where PayPal is offered, a hold may be placed on a payment sent to you at the instruction of the applicable marketplace or third-party. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third-party. These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly.
If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed. Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment. If we determine the transaction should not be reversed, we’ll lift the temporary hold. If we determine the transaction should be reversed, we’ll remove the funds from your PayPal account.
Limitations prevent you from completing certain actions with your PayPal account, such as withdrawing, sending or receiving funds. These limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open.
There are several reasons why your PayPal account could be limited, including:
You will need to resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability.
We may place a reserve on your PayPal account if we believe there may be a high level of risk associated with you, your PayPal account, your business model, or your transactions. When we place a reserve on your PayPal account, it means that all or some portion of the funds in your PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your PayPal account or use of the PayPal services. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties.
PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including:
There are two categories of reserves that may be placed on your PayPal account, and one or both may be applied at the same time:
If we place a reserve on funds in your account, the funds will be shown as “pending and we’ll notify you of the terms of the reserve.
If we change the terms of the reserve due to a change in our risk assessment, we’ll notify you of the new terms.
If we are notified of a court order or other legal process (including garnishment or any equivalent process) affecting you, or if we otherwise believe we are required to do so in order to comply with applicable law or regulatory requirements, we may be required to take certain actions, including holding payments to/from your PayPal account, placing a reserve or limitation on your PayPal account, or releasing your funds. We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions. We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days.
This is an important document which you must consider carefully when choosing whether to use PayPal services. PayPal is an e-money operator enabling e-money transfers without opening bank accounts and providing the PayPal services to you via the Internet. PayPal accounts are e-money accounts. Our services allow you to make e-money transfers to anyone with PayPal account and to receive e-money transfers.
Please note the following risks of using the PayPal Services:
(1) E-money transfers received in your account may be reversed at a later time, for example, if an e-money transfer is subject to a claim including, Refunds, Reversals and Chargebacks or is otherwise invalidated. This means that an e-money transfer may be reversed from your account after you have provided the sender the goods or services that were purchased.
(2) We may close, suspend, or limit your access to your account or PayPal services, and/or limit access to your e-money if you violate this user agreement, Acceptable Use Policy, or any other agreement you enter into with PayPal.
(3) We do not have any control over, and are not responsible or liable for, the products or services that are paid for with PayPal services. We cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction.
You agree that PayPal and its affiliates may contact you by email for marketing purposes. You may opt-out of receiving marketing communications when you open a PayPal account, by changing your account preferences on www.paypal.ru or by clicking on the unsubscribe link in any PayPal email or receipt you receive from us. Please allow up to 10 Business Days for the opt-out to take effect. We will provide factual information about your account or the PayPal services, even if you have opted-out of receiving marketing communications.
If you provide us your mobile phone number, you agree that PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: (i) service your PayPal accounts, (ii) market PayPal Products and Services, (iii) investigate or prevent fraud, or (iv) collect a debt. We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but will not share your mobile phone number with third parties for their own purposes without your consent. You do not have to agree to receive autodialed or prerecorded message calls or texts to your mobile phone number in order to use and enjoy the products and services offered by PayPal. You can decline to receive autodialed or prerecorded message calls or texts to your mobile phone number in several ways, including, via an email transaction receipt, in your account settings at www.paypal.ru or by contacting PayPal Customer Service. The frequency of messages may vary, and standard telephone minute and text charges may apply. Neither we nor your phone carriers are liable for delayed or undelivered messages. However, we may still call you directly using other means if we need to speak with you.
PayPal may communicate with you about your PayPal account and the PayPal services electronically. You will be considered to have received a communication from us, if it’s delivered electronically, 24 hours after the time we post it to our website or email it to you. You will be considered to have received a communication from us, if it’s delivered by mail, 3 Business Days after we send it.
Unless you’re communicating with us about a matter where we’ve specified another notice address (for example, our Liability for Unauthorised Transactions and Other Errors process), written notices to PayPal must be sent by postal mail to: PayPal, Butyrskiy Val St., 10, 125047, Moscow, Russian Federation.
You understand and agree that, to the extent permitted by law, PayPal may, without further notice or warning, monitor or record telephone conversations you or anyone acting on your behalf has with PayPal or its agents for quality control and training purposes or for our own protection. You acknowledge and understand that while your communications with PayPal may be overheard, monitored, or recorded not all telephone lines or calls may be recorded by PayPal, and PayPal does not guarantee that recordings of any particular telephone calls will be retained or retrievable.
We will retain all notices sent to you and all notices you sent to us for at least 3 years.
PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal balance.
If your PayPal balance becomes negative for any reason, that negative PayPal balance represents an amount that you owe to PayPal. PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive. If you have more than one PayPal account, we may set off a negative PayPal balance in one PayPal account against a PayPal balance in your other PayPal account(s). If you continue using your PayPal account when it has a negative balance, you authorise PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction.
If you hold funds in a PayPal account in multiple currencies, and the balance for one of the currencies becomes negative for any reason, PayPal may set off the negative PayPal balance by using funds you maintain in a different currency. If you have a negative balance not in Rubles for a period of 21 days or longer, PayPal will convert this negative balance to Rubles. A currency conversion will be necessary, and PayPal’s transaction exchange rate (including our currency conversion fee) will be used.
In addition to the above, if you have a past due amount owed to us or our affiliates, PayPal may debit your PayPal account to pay any amounts that are past due. This includes amounts owed by using our various products such as Xoom or Braintree.
If any proceeding by or against you is commenced under any provision of bankruptcy or insolvency laws, we’ll be entitled to recover all reasonable costs or expenses (including reasonable legal fees and expenses) incurred in connection with the enforcement of this user agreement.
If PayPal invalidates and reverses a payment that you made to a recipient (either at your initiative or otherwise), you agree that PayPal assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in PayPal's discretion.
Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches.
In this section, we use the term “PayPal” to refer to Limited Liability Company Non-Banking Credit Institution PayPal RU, our parent PayPal Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint ventures, service providers and suppliers. Our affiliates include each entity that we control, we are controlled by or we are under common control with.
You must indemnify PayPal for actions related to your PayPal account and your use of the PayPal services. You agree to defend, indemnify and hold PayPal harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the PayPal services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your PayPal account or access our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, or any of the PayPal services on your behalf.
PayPal’s liability is limited with respect to your PayPal account and your use of the PayPal services. In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services, or this user agreement (however arising, including negligence), unless and to the extent prohibited by law.
Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. In addition, to the extent permitted by applicable law, PayPal is not liable, and you agree not to hold PayPal responsible, for any damages or losses (including, but not limited to, loss of funds, goodwill, or reputation, profits, or other intangible losses or any special, indirect, or consequential damages) resulting directly or indirectly from: (1) your use of, or your inability to use, our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, or any of the PayPal services; (2) delays or disruptions in our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf and any of the PayPal services; (3) viruses or other malicious software obtained by accessing our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or any of the PayPal services or any website or service linked to our websites, software or any of the PayPal services; (4) glitches, bugs, errors, or inaccuracies of any kind in our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or any of the PayPal services or in the information and graphics obtained from them; (5) the content, actions, or inactions of third parties; (6) a suspension or other action taken with respect to your PayPal account; or (7) your need to modify your practices, content, or behavior, or your loss of or inability to do business, as a result of changes to this user agreement or PayPal’s policies.
The PayPal services are provided “as-is” and without any representation or warranty, whether express, implied or statutory. PayPal specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.
PayPal does not have any control over the products or services provided by sellers who accept PayPal as a funding source, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorised to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or mail service.
If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favour at the time of agreeing to this release.
If a dispute arises between you and PayPal, acting as either a buyer or a seller, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the services may be reported to PayPal customer service.
You agree that sending a notice in writing by post at our office is a mandatory pre-trial dispute resolution procedure, and that any claim you bring against PayPal in breach of this process should be returned by Russian courts in accordance with Article 135 of the Civil Procedure Code of the Russian Federation or dismissed without prejudice in accordance with Article 148 of the Arbitration Procedure Code of the Russian Federation, as the case may be.
If a dispute between you and PayPal has not been resolved within 30 days for domestic, and 60 days for international payments, you agree that it must be resolved by a competent court located in Russia. You agree to submit to the personal jurisdiction of Russian courts for the purpose of litigating all such disputes.
"PayPal.com," "PayPal.ru," "PayPal," and all logos related to the PayPal services are either trademarks or registered trademarks of PayPal or PayPal's licensors. You may not copy, imitate, modify or use them without PayPal's prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by PayPal for the purpose of directing web traffic to the PayPal services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterises PayPal or the PayPal services or display them in any manner that implies PayPal's sponsorship or endorsement. All right, title and interest in and to the PayPal websites, any content thereon, the PayPal services, the technology related to the PayPal services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of PayPal and its licensors.
If you are using PayPal software such as an API, developer's toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then PayPal grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use PayPal's software in accordance with the documentation accompanying such software. This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party. You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services. If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. PayPal may update or discontinue any software upon notice to you. While PayPal may have (1) integrated certain third party materials and technology into any web or other application, including its software, and/or (2) accessed and used certain third party materials and technology to facilitate providing you with the PayPal Services, you have not been granted and do not otherwise retain any rights in or to any such third party materials. You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third party materials or technology, or otherwise create any derivative works from any of the software or third party materials or technology. You acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal and any third party materials integrated therein are owned by PayPal’s third party service providers. Any other third party software application you use on the PayPal websites is subject to the license you agreed to with the third party that provides you with this software. You acknowledge that PayPal does not own, control nor have any responsibility or liability for any such third party software application you elect to use on any of our websites, software and/or in connection with the PayPal services.
PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. Nor does PayPal claim ownership of the content you host on third-party websites or applications that use PayPal services to provide payments services related to your content. Subject to the next paragraph, when you provide content to PayPal or post content using PayPal services, you grant PayPal (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. PayPal will not compensate you for any of your content. You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal.
Notwithstanding the provisions of the prior paragraph, if you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable (through multiple tiers), and royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark(s) (including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you) for the purpose of (1) identifying you as a merchant that accepts a PayPal service as a payment form, and (2) any other use to which you specifically consent.
You may not transfer or assign any rights or obligations you have under this user agreement without PayPal's prior written consent. PayPal may transfer or assign this user agreement or any right or obligation under this user agreement at any time, and you give your preliminary consent in accordance with article 391 of the Civil Code of the Russian Federation to any such transfer or assignment.
“Business Day(s)” means a day on which banks in Russia are open for business, other than a Saturday or Sunday and any official national holiday recognised in Russia. The start and end of the Business Day corresponds to the start and end of our operational day that we as a credit institution determine in our internal regulations.
If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and any unused funds in your account will be subject to applicable laws regarding unclaimed monies.
This user agreement is governed by the laws of Russia as such laws are applied to agreements entered into and to be performed entirely within Russia, without regard to conflict of law provisions.
You authorise PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity. This may include:
Anti-money laundering and counter-terrorism financing laws may require that PayPal verify certain identifying information if you use certain PayPal services. PayPal reserves the right to close, suspend, or limit access to your PayPal account and/or the PayPal services in the event that, after reasonable enquiries, we are unable to obtain information about you required to verify your identity.
PayPal is a credit institution and an electronic money or e-money operator which enables e-money transfers without opening bank accounts and provides the PayPal services to you via the internet. We have no control of or liability for any dispute you have with another user, even if you use PayPal's Buyer Protection or PayPal's Seller Protection program as a way to cover your financial loss in the dispute. We do not guarantee the identity of any user or ensure that a buyer or a seller will complete a transaction. Please note that there are risks of dealing with underage persons or people acting under false pretence.
PayPal is not a common carrier or public utility. This Agreement is not a public agreement as defined in Article 426 of the Civil Code of the Russian Federation. Interest pursuant to Article 317.1 of the Civil Code of the Russian Federation may not accrue on any claims under this Agreement.
If you integrate or otherwise reference PayPal services on your website, PayPal may use automated technologies (e.g., website crawling) to assess your website and collect any publicly accessible or available data to ensure compliance with this agreement and to combat malicious or fraudulent activity.
In connection with such technologies, PayPal will not collect any of your customer personal data. However, there may be times we collect personal data about you that you publish on your websites. Such personal data shall be processed for the purposes described in this section and shall be subject to our Privacy Statement.
Protecting your privacy is very important to us. Please review our Privacy Statement in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.
We will communicate with you in Russian. Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement. In the event of a conflict between the Russian and English versions of this user agreement, the Russian version shall control.
If you (as a seller) receive personal data about another PayPal customer, you must keep such personal data confidential and only use it in connection with the PayPal services. You may not disclose or distribute any personal data about PayPal customers to a third party or use such personal data for marketing purposes unless you receive that customer’s express consent to do so. You may not send unsolicited emails to a PayPal customer or use the PayPal services to collect payments to send, or assist in sending, unsolicited emails to third parties.
To the extent that you process any personal data about a PayPal customer pursuant to this agreement, you and PayPal will each be an independent data controller (and not joint controllers), meaning we will each separately determine the purposes and means of processing such personal data. We each agree to comply with the requirements of any applicable privacy and data protection laws, including any applicable regulations, directives, codes of practice, and regulatory requirements applicable to data controllers in connection with this agreement. We each also have and will follow our own, independently determined privacy statements, notices, policies and procedures for any such personal data that we process in connection with this agreement.
In complying with the applicable data protection laws, we will each:
Any personal data you collect in connection with the PayPal services (and not otherwise generated, collected, or obtained by you through a customer’s separate relationship with you outside the use of the PayPal services) will be used by you only to the limited extent that is necessary and relevant to the PayPal services and for no other purpose unless you have obtained the prior express consent of the customer.