Policy Updates

>> View all legal agreements

>> View past policy updates

Policy Updates

 

This page informs users in advance of important changes to the PayPal service, its User Agreement, or other policies. This page displays policy updates with future effective dates. Go to Past Policy Updates for previous policy updates.

 

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.