Policy Updates

 

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Policy Updates

 

This page informs users in advance of important changes to the PayPal Service, its User Agreement, or other policies. We encourage you to review this Policy Update to familiarize yourself with all of the changes that are being made to the PayPal User Agreement. These updates will be posted at least 30 days prior to their effective date.

 

Amendments to the PayPal User Agreement, with respect to User Accounts in Asia Pacific, certain European and Latin American countries, Middle East and Africa.

Effective Date:  June 25, 2016

 

PayPal is changing its User Agreement.  The amended User Agreement will be effective as to all PayPal users on June 25, 2016.  We encourage you to review this Policy Update to familiarize yourself with the changes that are being made.

YOUR USE OF PAYPAL OR ITS SERVICES AFTER JUNE 25, 2016 MEANS YOU AGREE TO THESE CHANGES.

The update to the User Agreement is effective June 25, 2016.  A summary of material changes is provided below. 
 

A. Amendments to the PayPal User Agreement

  1. Changes to Eligibility Requirements under PayPal Buyer Protection (Section 7.2)
    To be eligible under the PayPal Buyer Protection, you will be required to respond to PayPal’s request for documentation and other information in a timely manner. Accordingly, Section 7.2 will be amended as follows:

    7.2 Eligibility Requirements.

    1. To be eligible for PayPal Buyer Protection you must meet all of the following requirements:
      • Open a Dispute within 180 Days of the date you sent the payment – then follow the online dispute resolution process described below under "Dispute Resolution"
      • You must respond to PayPal’s request for documentation and other information in a timely manner
      • Have an Account in good standing
      • You have not received a recovery related to such purchase from another source.”
         
  2. Changes to Ineligible Items under PayPal Buyer Protection (Section 7.3)
    Section 7.3 (“Ineligible Items”) is being amended as follows:
    • “Real estate
    • Businesses (when you buy a business)
    • Vehicles, including motorcycles, caravans, aircrafts and boats
    • Significantly Not As Described Claims for custom made items
    • Payments on crowdfunding platforms
    • Items that violate PayPal's Acceptable Use Policy
    • For Item Not Received (INR) items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
    • Industrial machinery used in manufacturing
    • Stored value items such as gift cards and pre-paid cards
    • Gambling, gaming and other activity with an entry fee and a prize
    • Anything purchased from or an amount paid to a government agency
    • Personal Payments
    • Donations made to charities or non-profit organizations
    • Even if your payment is not eligible for PayPal Buyer Protection, you can file a Dispute and resolve the issue directly with the Seller, however, PayPal will not find in your favor if you escalate a Dispute to a Claim when an item is not eligible for PayPal Buyer Protection.”
  1. Amendments to Section 9 (Seller Protection for Sellers in India)

    Seller Protection for Sellers in India will be expanded to include eligible intangible items excluding Digital Goods.  
    Accordingly, the eligibility and delivery requirements for PayPal Seller Protection for Sellers in these countries will be amended as follows:

    “Eligibility for PayPal Seller Protection

    You must meet all of these requirements to be eligible for PayPal Seller Protection:

    1. You receive payment via PayPal from a buyer’s PayPal Account;
    2. You must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded);
    3. For tangible items, you must post the item to the shipping address on the “Transaction Details” page. If the item is delivered in person or picked up in person or if you post the item to a different address (for example, if the buyer asks that you send to another address on the basis that it is a “work address” or a “gift address”), then you will not be eligible for PayPal Seller Protection;
    4. Follow the delivery requirements described below;
    5. The transaction must be marked as either:
      1. For tangible items: marked by PayPal as eligible or partially eligible for PayPal Seller Protection on your Account “Transaction Details” page. If it is marked eligible, protection for both Unauthorized Transaction and Item Not Received will apply. If it is marked partially eligible, protection for only Item Not Received will apply; or
      2. For intangible or virtual items or services: marked by PayPal as eligible for PayPal Seller Protection on your Account “Transaction Details” page. If it is marked eligible, protection for only Unauthorized Transaction and Item Not Received (for Chargebacks only) will apply.
    6. You must respond to PayPal’s requests for documentation or other information that is reasonably required by PayPal to investigate in a timely manner; and
    7. Your eligibility is not otherwise suspended. 

    Delivery requirements for Sellers in India

     

    Delivery requirement

    Protection for Item Not Received

    For items less than $750 USD (or equivalent as set out below)*, Proof of Shipment (for tangible items) or Proof of Delivery (for intangible or virtual items or services)

    For items of $750 USD or more (or equivalent as set out below)*, Proof of Delivery (for tangible items)  or Proof of Delivery (for intangible or virtual items or services)

    Protection for Unauthorized Transaction

    Proof of Shipment (for tangible items) or Proof of Delivery (for intangible or virtual items or services)

     

    Currency*

    Amount

    Currency*

    Amount

    Australian Dollar

    $850 AUD

    New Zealand Dollar

    $950 NZD

    Brazilian Real

    $1750 BRL

    Norwegian Krone

    4,600 NOK

    Canadian Dollar

    $850 CAD

    Philippine Peso

    34,000 PHP

    Czech Republic Koruna

    15,000 CZK

    Polish New Zloty

    2,300 PLN

    Danish Krone

    4,100 DKK

    Russian Ruble

    27,000 RUB

    Euro

    €550 EUR

    Singaporean Dollar

    $950 SGD

    Hong Kong Dollar

    $6,000 HKD

    Swedish Krona

    4,950 SEK

    Hungarian Forint

    170,000 HUF

    Swiss Franc

    700 CHF

    Israeli New Shekel

    2,700 ILS

    Taiwan New Dollar

    23,000 TWD

    Japanese Yen

    ¥77,000 JPY

    Thai Baht

    24,500 THB

    Malaysian Ringgit

    2,500 MYR

    Turkish Lira

    1,600 TRY

    Mexican Peso

    $10,000 MXN

    U.K. Pound Sterling

    £450 GBP

     

     

    U.S. Dollar

    $750 USD”

 

  1. Amendments to Section 11.5 (Actions by PayPal - Reserves)
    Section 11.5 (Actions by PayPal – Reserves) is being amended as follows:

    “11.5 Actions by PayPal - Reserves.
    PayPal, in its sole discretion, may place a Reserve on funds held in your Business Account when PayPal believes there may be a high level of risk associated with your Account or your use of any of the products and/or services offered by PayPal and/or its Affiliates. If PayPal places a Reserve in your Account, transactions will be shown as "pending" in your PayPal balance, and you will not have access to funds in a “pending” status until they are cleared. If your Account is subject to a Reserve, PayPal will provide you with notice specifying the terms of the Reserve. The terms may require that a certain percentage of the amounts received into your Account are held for a certain period of time, or that a certain amount of money is held in Reserve, or anything else that PayPal determines is necessary to protect against the risk associated with your Account. PayPal may change the terms of the Reserve at any time by providing you with notice of the new terms.