PayPal User Agreement | Rachele DiTullio

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PayPal User Agreement

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PayPal User Agreement

YOU AGREE THAT THIS USER AGREEMENT WILL BE EFFECTIVE AS TO ALL

USERS ON June 25, 2016.

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Welcome to PayPal!

This Agreement is a contract between you and PayPal and governs your use of all PayPal Services. Using

the PayPal Services means that you must accept all of the terms and conditions contained in this

Agreement and the agreements on the Legal Agreements page including the Privacy Policy, the

Acceptable Use Policy and the Electronic Communications Delivery Policy. You should read all of these

terms carefully.

This Agreement contains sixteen sections. You may jump directly to any section by selecting the

appropriate link below. The headings and subheadings below are for reference only and do not limit the

scope of each section. Some capitalized terms have specific definitions in Section 16 (Definitions).

Underlined words in this Agreement and on our website hyperlink to relevant information.

Jump to section:

Electronic Communications Delivery Policy

1. Our Relationship with You.

2. Accounts.

3. Sending Money.

4. Receiving Money.

5. Account Balances.

6. Withdrawing Money.

7. Closing Your Account.

8. Fees and Currency Conversion.

9. Restricted Activities.

10. Your Liability - Actions We May Take.

11. Protection for Sellers.

12. Resolution Procedures for Unauthorized Transactions and Other Errors.

13. Protection for Buyers.

14. Disputes with PayPal.

15. General Provisions.

16. Definitions.

We may amend this Agreement at any time by posting a revised version on our website. The revised

version will be effective at the time we post it. In addition, if the revised version includes a Substantial

Change, we will provide you with 30 Days' prior notice of any Substantial Change by posting notice on

the Policy Updates page of our website.

This is an important document which you must consider carefully when choosing whether to use

the PayPal Services. Please be advised: This Agreement contains provisions that govern how legal

claims you and we have against each other are resolved (see Section 14 “Disputes with PayPal”

below). Those dispute-resolution provisions contain an Agreement to Arbitrate, which will, with

limited exception, require you to submit claims you have against us to binding and final arbitration,

unless you opt out of the Agreement to Arbitrate (see Section 14.3 "Agreement to Arbitrate")

within 30 Days after the date you accept the User Agreement for the first time. Unless you opt out:

(1) you will only be permitted to pursue claims against PayPal on an individual basis, not as a

plaintiff or class member in any class or representative action or proceeding, and (2) you will only

be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual

basis.

Please note the following risks of using the PayPal Services, which are set forth in more detail in the

relevant sections of this Agreement:

Payments received in your Account may be reversed at a later time, for example, if such a payment

is subject to a Chargeback, Reversal, Claim or is otherwise invalidated. This means that for some of

our Sellers, payments received into their Account may be returned to the sender or otherwise

removed from their Account after they have been paid and/or delivered any goods or services sold.

If you are a Seller, you can help protect yourself from the risk of a payment being reversed from

your Account by following the criteria set out in the Protection for Sellers section and by following

the other guidance provided in the Security page accessible via every page of the PayPal website.

We may close, suspend, or limit your access to your Account or the PayPal Services, and/or limit

access to your Balance for up to 180 Days (or longer if pursuant to a court order or other legal

process) if you violate this Agreement, the PayPal Acceptable Use Policy, any other agreement you

enter into with PayPal, or as otherwise specified in this Agreement or other agreement you have

entered into with PayPal. We may also use proprietary fraud and risk modeling when assessing the

risk associated with your Account. If you wish to open a Dispute through PayPal's Online

Resolution Center, you must do so within 180 Days of making your payment or initiating your

transaction in the case of Pay After Delivery.

CONSUMER FRAUD WARNING: We’re always looking for ways to help keep you even more

secure. So stay on the lookout for some of these common scams:

 Spoofing – a scammer sends forged or faked electronic documents or emails falsely claiming to

be PayPal or coming from PayPal but asks you to send money outside your PayPal account.

 Relative in Need – a scammer impersonates a family member (commonly grandchildren) and

claims there is an emergency requiring you to send money.

 Lottery or Prize – a scammer informs you that you’ve won a lottery or prize and must send

money in order to claim it.

 Debt Collection – a scammer impersonates a debt collector and induces you to send money

using threats or intimidation.

 Employment Related – a scammer instructs you to send money in connection with a

fraudulent offer of employment.

Always use common sense when sending money. If something sounds too good to be true, it

probably is. Only send money for yourself and not for others. Remember that if you don’t send the

payment through your PayPal account, you’re not covered by PayPal Purchase Protection. Please

let us know immediately if you believe someone is trying to scam or defraud you by contacting us at

1-888-221-1161 or 1-402-935-2050 if calling outside the U.S..

Electronic Communications Delivery Policy

This policy describes how PayPal communicates with you electronically, provides additional detail about

the Communications we provide you, and sets out the hardware and software you need to receive these

Communications.

Electronic delivery of communications

 You agree and consent to receive electronically all communications, agreements, documents, notices

and disclosures (collectively, "Communications") that we provide in connection with your PayPal

account ("Account") and your use of our services. Communications include, but are not limited to:

 agreements and policies you agree to (e.g., the PayPal User Agreement and the PayPal Privacy

Policy), including updates to these agreements or policies;

 annual disclosures, including prospectuses and reports for PayPal Funds;

 transaction receipts or confirmations;

 Account statements and history;

 federal and state tax statements we are required to make available to you; and

 information related to any other Account, PayPal Funds account, or transaction.

We will provide these Communications to you by posting them on the PayPal website and/or by emailing

them to you at the primary email address listed in your PayPal Account Profile.

Hardware and software requirements

In order to access and retain electronic Communications, you will need the following computer hardware

and software:

 a computer with an Internet connection;

 a current web browser that includes 128-bit encryption (e.g. Internet Explorer version 6.0 and above,

Firefox version 2.0 and above, Chrome version 3.0 and above, or Safari 3.0 and above) with cookies

enabled;

 Adobe Acrobat Reader version 8.0 and above to open documents in .pdf format;

 a valid email address (your primary email address on file with PayPal); and

 sufficient storage space to save past Communications or an installed printer to print them.

We will notify you if there are any material changes to the hardware or software needed to receive

electronic Communications from PayPal. By giving your consent you are confirming that you have access

to the necessary equipment and are able to receive, open, and print or download a copy of any

Communications for your records. You may print or save a copy of these Communications for your

records as they may not be accessible online at a later date.

How to withdraw your consent

You may withdraw your consent to receive Communications electronically by writing to us at "Attn:

Electronic Communications Delivery Policy, P.O. Box 45950, Omaha, NE 68145-0950, or by contacting

us via the “Contact” or "Contact Us" link at the bottom of each page of the PayPal website. If you fail to

provide or if you withdraw your consent to receive Communications electronically, PayPal reserves the

right to either deny your application for an Account, restrict or deactivate your Account, close your

Account and any sub-account (such as a Student Account), or charge you additional fees for paper copies.

After you consent to receive Communications electronically, you may withdraw your consent to receive

IRS Form 1099-K electronically by contacting us as described above. You will continue to receive all

your other Communications electronically, but we will send your Form 1099-Ks to you by U.S. mail.

Requesting paper copies of electronic Communications

If, after you consent to receive Communications electronically, you would like a paper copy of a

Communication we previously sent you, you may request a copy within 180 Days after the date we

provided the Communication to you by contacting us as described above. We will send your paper copy

to you by U.S. mail. In order for us to send you paper copies, you must have a current street address on

file as your “Home” address in your PayPal Account Profile. If you request paper copies, you understand

and agree that PayPal may charge you a Records Request Fee for each Communication. The Records

Request Fee will not be charged if you request a Form 1099-K in paper form; for all other

Communications, the Records Request Fee is set out in Section 8 of the User Agreement.

Updating your contact information

It is your responsibility to keep your primary email address up to date so that PayPal can communicate

with you electronically. You understand and agree that if PayPal sends you an electronic Communication

but you do not receive it because your primary email address on file is incorrect, out of date, blocked by

your service provider, or you are otherwise unable to receive electronic Communications, PayPal will be

deemed to have provided the Communication to you.

Please note that if you use a spam filter that blocks or re-routes emails from senders not listed in your

email address book, you must add PayPal to your email address book so that you will be able to receive

the Communications we send to you.

You can update your primary email address or street address at any time by logging into the PayPal

website. If your email address becomes invalid such that electronic Communications sent to you by

PayPal are returned, PayPal may deem your Account to be inactive, and you will not be able to transact

any activity using your PayPal Account until we receive a valid, working primary email address from

you.

1. Our Relationship with You.

1.1 PayPal is Only a Payment Service Provider. PayPal helps you make payments to and accept

payments from third parties. PayPal is an independent contractor for all purposes, and is not your agent or

trustee. PayPal does not have control of, or liability for, the products or services that are paid for with the

PayPal Services. We do not guarantee the identity of any User or ensure that a buyer or a Seller will

complete a transaction.

1.2 Your Privacy. Protecting your privacy is very important to PayPal. Please review our Privacy

Policy in order to better understand our commitment to maintaining your privacy, as well as our use and

disclosure of your Information.

1.3 Privacy of Others; Marketing. If you receive Information about another User through the PayPal

Services, you must keep the Information confidential and only use it in connection with the PayPal

Services. You may not disclose or distribute a User's Information to a third party or use the Information

for marketing purposes unless you receive the User's express consent to do so.

You may not send unsolicited email to a User or use the PayPal Services to collect payments for sending,

or assisting in sending, unsolicited email to third parties.

1.4 Intellectual Property. "PayPal.com", "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 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, or use

them without our prior written consent. You may use HTML logos provided by PayPal through our

Merchant services, auction tools features or affiliate programs without prior written consent 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 is disparaging to 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 website, 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.

1.5 Assignment. You may not transfer or assign any rights or obligations you have under this Agreement

without PayPal's prior written consent. PayPal reserves the right to transfer or assign this Agreement or

any right or obligation under this Agreement at any time.

1.6 Password Security and Keeping Your Email and Address Current. You are responsible for

maintaining adequate security and control of any and all IDs, passwords, personal identification numbers

(PINs), or any other codes that you use to access the PayPal Services. If you use a PayPal Payment Card,

you should also carefully safeguard this card. You are responsible for keeping your mailing address and

email address up to date in your Account Profile.

1.7 Notices to You. You agree that PayPal may provide you Communications about your Account and

the PayPal Services electronically as described in our Electronic Communications Delivery Policy. Any

electronic Communications will be considered to be received by you within 24 hours after the time we

post it to our website or email it to you. Any Communications sent to you by postal mail will be

considered to be received by you 3 Business Days after we send it.

1.8 Notices to PayPal. Except as otherwise stated above in the Electronic Communications Delivery

Policy, and below in Section 12 (Resolution Procedures for Unauthorized Transactions and Other Errors)

and Section 14 (Disputes with PayPal), notice to PayPal must be sent by postal mail to: PayPal, Inc.,

Attention: Legal Department, 2211 North First Street, San Jose, California 95131.

1.9 Account Statement. You have the right to receive an Account statement. You may view your

Account statement by logging into your Account.

1.10(a) Contacting You. In order to contact you more efficiently, we may at times contact you using

autodialed or prerecorded message calls or text messages at the telephone number(s) you have provided

us. We may place such calls or texts to (i) provide notices regarding your Account or Account activity,

(ii) investigate or prevent fraud, or (iii) collect a debt owed to us. You agree that we and our service

providers may contact you using autodialed or prerecorded message calls and text messages to carry out

the purposes we have identified above. We may share your phone number(s) with service providers with

whom we contract to assist us in pursuing these interests, but will not share your phone number(s) with

third parties for their own purposes without your consent. Standard telephone minute and text charges

may apply. We and our service providers will not use autodialed or prerecorded message calls or texts to

contact you for marketing purposes at the telephone number(s) you designate unless we receive your prior

express written consent.

1.10(b) Your Choices. You do not have to consent to receive autodialed or prerecorded message calls or

texts in order to use and enjoy PayPal’s products and services. Where PayPal is required to obtain your

consent for such communications, you may choose to revoke your consent by contacting customer

support at 1-844-629-9108 and informing us of your preferences.

1.11 Recording Calls. You understand and agree that PayPal may, without further notice or warning and

in our discretion, 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 its own protection. You acknowledge

and understand that, while your communications with PayPal may be overheard, monitored, or recorded

without further notice or warning, 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.

2. Accounts.

2.1 Eligibility. To be eligible to use the PayPal Services, you must be at least 18 years old and a resident

of the United States or one of the countries listed on the PayPal WorldWide page. This Agreement

applies only to Users who are residents of the United States. If you are a resident of another country, you

may access the agreement that applies to you from our website in your country.

2.2 Personal and Business Accounts; Types of Transactions. We offer the following types of

Accounts: Personal and Business Accounts. 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 may send money from, and receive money into, your Account, as described in more detail in Section

3 (Sending Money) and Section 4 (Receiving Money). You may also add money to your Balance using an

available Payment Method, as described in more detail in Section 3, and withdraw money from your

Balance, as described in more detail in Section 6 (Withdrawing Money).

2.3 Identity Authentication. You authorize PayPal, directly or through third parties, to make any

inquiries we consider necessary to validate your identity. This may include asking you for further

information, requiring you to provide your date of birth, a taxpayer identification number and other

information that will allow us to reasonably identify you, requiring you to take steps to confirm

ownership of your email address or financial instruments, ordering a credit report, or verifying your

Information against third party databases or through other sources. We may also ask to see your driver’s

license or other identifying documents at any time. If you use certain PayPal Services, federal law

requires that PayPal verify some of your Information. PayPal reserves the right to close, suspend, or limit

access to your Account and/or the PayPal Services in the event we are unable to obtain or verify this

Information.

2.4 Credit Report Authorization. If you open a Business Account, you are providing PayPal with

written instructions and authorization in accordance with the Fair Credit Reporting Act to obtain your

personal and/or business credit report from a credit bureau. You are also authorizing PayPal to obtain

your personal and/or business credit report: (a) when you upgrade your Personal Account to a Business

Account, (b) when you request certain new products, such as the PayPal Debit Card, or (c) at any time

PayPal reasonably believes there may be an increased level of risk associated with your Business

Account.

2.5 Third Party Permissions. If you grant express permission to a third party to take specific actions on

your behalf, or access particular information about your Account, either through your use of the third

party's product or service or through your Account Profile, you acknowledge that PayPal may disclose the

information about your Account that is specifically authorized by you to this third party. You also

acknowledge that granting permission to a third party to take specific actions on your behalf does not

relieve you of any of your responsibilities under this Agreement. Further, you acknowledge and agree that

you will not hold PayPal responsible for, and will indemnify PayPal from, any liability arising from the

actions or inactions of this third party in connection with the permissions you grant. You may change or

remove these permissions at any time by changing your settings in your Account Profile.

3. Sending Money.

3.1 You can send money to anyone with an email address or mobile number. The money will go to their

PayPal account. If they do not have a PayPal account, they will have 30 days to create an account or the

payment will be refunded.

3.2 Sending Limits. We may, at our discretion, impose limits on the amount of money you can send

through the PayPal Services, including money you send for purchases. You can view your sending limit,

if any, by logging into your Account. If you have a Verified Account, we may increase your sending

limits.

3.3 Default Payment Methods. When you make a payment, if you have not selected a Preferred Payment

Method, PayPal will fund your transaction in this order:

a. Balance

b. Instant Transfer from your bank account

c. PayPal Credit

d. PayPal Cards

e. Debit card

f. Credit card

g. eCheck

Note: If you do not want to use your Balance, you can withdraw it before making a payment.

3.4 Preferred Payment Method. You may select a Preferred Payment Method each time you make a

payment, except when making a Preapproved Payment, a No Log-In Payment, or an In-Store Checkout

payment. Certain funding sources may not be available for certain products; if there are funding source

limitations, these will be disclosed to you as part of your transaction flow for the specific product in

question. For a Preapproved Payment or, in most instances, a No Log-In Payment, you can select a

Preferred Payment Method when you provide your initial authorization for this payment and/or through

the My Preapproved Payments section of your Account Profile (it may be called "Backup Payment

Method"). For In-Store Checkout payments, you may change your Preferred Payment Method in your

Account Profile prior to initiating your transaction.

If you select a Preferred Payment Method but have available Balance in your Account, your Balance will

be used to fund your payment first. If you set PayPal Credit, PayPal Cards or eCheck as your Preferred

Payment Method in your Account Profile, it will be used to fund your PayPal payments first, even if you

have a Balance.

3.5 Payment Method Limitations. In order to manage risk, PayPal may limit the Payment Methods

available for a transaction. In addition, Payment Methods may be limited if you make a PayPal payment

through certain third party websites or applications. For PayPal Business Payments, you are limited to

funding your PayPal payment with either (or both) your Balance or by eCheck. In all such cases, you may

choose to continue with the transaction with the understanding that you may have fewer avenues available

for dispute resolution should the transaction turn out to be unsatisfactory.

3.6 Bank Transfers. When you use your bank account as your Payment Method for any transaction or to

initiate an Add Money transaction, you are requesting an electronic transfer from your bank account. For

these transactions, PayPal will make electronic transfers via ACH from your bank account in the amount

you specify. You agree that such requests constitute your authorization to PayPal to make the transfers.

Once you have provided your authorization for the transfer, you will not be able to cancel the electronic

transfer. For Pay After Delivery transactions please see Section 3.14. You give PayPal the right to

resubmit any ACH debit you authorized that is returned for insufficient or uncollected funds.

3.7 Refused and Refunded Transactions. When you send money, the recipient is not required to accept

it. You agree that you will not hold PayPal liable for any damages resulting from a recipient's decision not

to accept a payment made through the PayPal Services. Any unclaimed, refunded or denied payment will

be returned to your Balance or to the original Payment Method. We will return any unclaimed payment to

you within 30 Days of the date you initiated payment.

3.8 Merchant Processing Delay. When you send a payment to certain Merchants, you are providing an

Authorization to the Merchant to process your payment and complete the transaction. The payment will

be held as pending until the Merchant processes your payment. Some Merchants may delay processing

your payment. In such an instance, your Authorization will remain valid for up to 30 Days. If your

payment requires a currency conversion, the exchange rate, which will include the Currency Conversion

spread described in Section 8 (Fees), will be determined at the time the Merchant processes your payment

and completes the transaction.

3.9 Preapproved Payments. A Preapproved Payment, including an In-Store Checkout payment, is a

payment in which you authorize a Merchant to directly charge your Account on a one-time, regular, or

sporadic basis. Preapproved Payments are sometimes called "subscriptions", "recurring payments”,

"preauthorized transfers" or "automatic payments". Within 2 Business Days of any Preapproved Payment

made from your Account, you will receive a confirmation of this transaction by email. The following

applies to any Preapproved Payments you make:

a. Notice for Certain Preapproved Payments. If a Preapproved Payment will vary in amount and is

made using an Instant Transfer, eCheck, debit card Payment Method or your Balance, you have the

right to advance notice of the amount and date of the transfer from the Merchant at least 10 Days

before the transfer is made. If the Merchant provides the option, you may choose to receive this

advance notice only when the amount of your Preapproved Payment will fall outside a range

established between you and the Merchant. This notice is designed to protect you from having

insufficient funds in your bank account to cover the Preapproved Payment.

b. Stopping a Preapproved Payment. You may stop a Preapproved Payment at any time up to 3

Business Days before the date of the next scheduled payment by notifying PayPal and/or the

Merchant. To stop a Preapproved Payment by notifying PayPal, you must access the My

Preapproved Payments section of your Account Profile and follow the links to stop the payment.

You may also stop a Preapproved Payment by calling PayPal at (402) 935-2050. Please keep in

mind that Preapproved Payments are sometimes referred to as "subscriptions", "recurring

payments", "preauthorized transfers", or "automatic payments". Once you contact PayPal to stop a

Preapproved Payment, all future Preapproved Payments under your agreement with the Merchant

will be stopped. If you stop a Preapproved Payment you may still be liable to the Merchant for the

payment or other penalties under the terms of your agreement with the Merchant and you may be

required to pay the Merchant through alternative means. We will be liable for your losses or

damages directly caused by our failure to stop any Preapproved Payment if you have followed the

instructions in this section to notify us.

c. Preapproved Payments for In-Store Checkout. For In-Store Checkout transactions, if we are not

able to get an authorization from the Preferred Payment Method you have set with us but we allow

you to proceed with the transaction and pay the Merchant, you authorize us to debit your PayPal

Account or any of the Payment Methods linked to your PayPal Account to fund your transaction or

recover any amounts we paid the Merchant on your behalf. We will only recover up to the amount

of the In-Store Checkout transaction you authorized and we paid. You may cancel the authorization

for In-Store Checkout in your Account Profile, but you will still be able to pay in stores using

Mobile In-Store Payments.

3.10 Accuracy of Information.

You are responsible for confirming the accuracy of the information you provide about each payment you

send, including the email address or telephone number of the recipient and the amount of the transaction.

3.11 PayPal Mobile. PayPal Mobile allows you to access certain PayPal Services through your mobile

phone. PayPal Mobile is not available in all countries. If you use PayPal Mobile, you are responsible for

any fees that your phone service provider charges, such as fees for SMS, data services, and any other fees

that your phone service provider may charge. Your phone service provider is not the provider of the

PayPal Services.

3.12 Debit Card Processing. PayPal will process your debit card funded transactions through either the

ATM debit network or the Visa, MasterCard or Discover network. If we process your debit card through

an ATM debit network, we may provide you with the opportunity to switch to a Visa, MasterCard or

Discover network by changing your preferences for that debit card in your Account Profile. If you use

your PayPal Debit Card for a payment that is not in U.S. Dollars, your transaction will be funded with

your U.S. Dollar Balance, even if you have a Balance in another currency. Any required currency

conversion will be performed by Visa, MasterCard, Discover or a similar third party and may be subject

to a fee by that third party.

3.13 Credit Card Information. If your credit card account number changes or your credit card

expiration date changes, we may acquire that information from our financial services partner and update

your Account.

3.14 Digital Goods Micropayment Purchases. If you purchase Digital Goods from certain Merchants

using PayPal, we may offer you the option to pay for those goods at a later date, at no additional cost to

you ("Post Payment Option"). We may offer you this option at our discretion, which we may revoke at

any time. The Post Payment Option is only enabled if you have no Balance in your Account. The amounts

you pay using the Post Payment Option will be deducted from your Account no more than 21 Days

following your initial purchase, or when your Digital Goods purchases using the Post Payment Option

reach a certain amount that is no more than $25.00 USD, whichever is earlier. This date and amount will

be stated in your transaction details shown under your History in the “My Account” tab or in the Account

activity in the ”Summary” and “Activity” tabs of your Account. If you use the Post Payment Option but

subsequently change your settings through your Account Profile to pay for these purchases at the time

you make them, you will not be able to switch back to the Post Payment Option for a period of 6 months.

3.15 Pay After Delivery ("PAD"). The Pay After Delivery payment option allows qualifying buyers to

purchase eligible items and wait up to 14 days to pay for them. The PAD payment option is only available

for eligible purchases under $10,000.00 and is not available to all buyers. In order to use PAD, qualifying

buyers must have a valid checking or other qualifying account at a bank which is linked to their PayPal

Account and identified as their primary bank account from which funding transfers may be withdrawn; if

there is no valid linked bank account then PAD will not be available, even if the qualifying buyer has

used PAD before. Where a buyer and item purchased are eligible for PAD, which shall be determined in

PayPal's sole discretion, buyer may choose the PAD payment option at the time of purchase. Although

PayPal will not impose a fee for a buyer's use of PAD, it is possible a third party, such as the financial

institution holding the primary bank account, may impose a fee in connection with the payment or

purchase, in addition to the amount of the transaction.

If buyer selects PAD as the payment method:

a. The entire transaction amount will be funded from the buyer's primary bank account linked to

buyer's PayPal Account, even if the buyer has a balance in their PayPal Account, except where there

are insufficient available funds in the primary bank account. Buyer authorizes PayPal to submit the

debit to buyer's primary bank account for the amount of the transaction, and resubmit it again if the

initial debit is rejected or insufficient. In the event there are insufficient available funds in buyer's

primary bank account, buyer authorizes PayPal to fund the remaining amount of the transaction

from any of the following sources: PayPal Balance, credit card, or debit card. For each payment

using PAD, buyer authorizes PayPal to debit the primary bank account for the full amount of the

payment 14 Days after the transaction date, or sooner in accordance with buyer's instructions.

PayPal will send buyer by email a reminder before the scheduled debit.

b. Where buyer has qualified for and initiated a PAD transaction, PAD will be identified as buyer's

Preferred Payment Method for future eligible transactions; however, buyer may change their

Preferred Payment Method at any time for future transactions. Buyer will still need to select the

PAD payment option for each qualifying payment at the time of the transaction. Buyer may select a

different Payment Method for future transactions and change their Payment Method at the time the

buyer makes the payment.

c. Buyer's PayPal Purchase Protection rights described in Section 13 of the User Agreement will apply

to a purchase using a PAD payment option, except a buyer using PAD must file a dispute within 180

Days from the date of the purchase. If buyer has a problem with their purchase buyer must follow

the procedures described in Section 13 of the PayPal User Agreement. If buyer files a dispute within

14 Days of making the purchase with PAD, PayPal will debit the primary bank account after the

resolution process is complete and only if buyer loses. Buyer authorizes PayPal to debit their

primary bank account for the full amount of the payment if buyer loses a PayPal Purchase Protection

claim.

PayPal has the right, at any time and in its sole discretion, to terminate, cancel, suspend or modify the

PAD payment option, qualifications or eligibility for PAD, or any buyer's ability to use PAD.

3.16 In-Store Checkout.

a. General. In-Store Checkout allows you to make payments using your PayPal Account in a

Merchant’s physical store if the Merchant accepts PayPal. In-Store Checkout payments are made

using your mobile phone number, a PayPal payment card (the “PayPal Payment Card”), or Mobile

In-Store Payments. You must confirm your mobile phone number with PayPal by registering it with

PayPal, setting a PIN, and receiving a confirmation from us via SMS. You may request a PayPal

Payment Card for In-Store Checkout at www.PayPal.com/anywhere. If you do not receive your

PayPal Payment Card within 14 Days after requesting it, or if your card is lost or stolen, you must

follow the procedures set forth in Section 12 to report the lost or stolen card.

b. Wish Lists. If you sign up for In-Store Checkout, you will be able to create wish lists of goods or

services within your PayPal Account that you would like to store for future purchasing decisions

(“Wish Lists”). You can create a Wish List by adding a product or service directly to your Wish

List by logging into your PayPal Account, or through PayPal Shopping searches. The results of any

search on PayPal Shopping will be generated by third party service providers of PayPal. These

search results can be saved into your Wish List. PayPal has no liability for the search results

generated by its third party service providers, the information contained in those results, or the

failure of any Merchant to honor the price or terms included in the search results.

c. Social Sharing of Offers. If you have an Offer in your PayPal Account, you can share it with your

online community of friends and family via social sharing sites with whom we integrate. If you

share any Offers, you may be required to first consent to certain information being shared by us with

the social sharing site. Any data received by PayPal from these social sharing sites will be subject to

our Privacy Policy. In addition to complying with the other requirements of Section 9.1 below, you

agree that you will not post any content that is obscene or offensive from your PayPal Account or in

connection with the Offer you are sharing.

d. Loyalty Cards. In-Store Checkout allows you to store your Merchant loyalty card numbers or bar

codes, where applicable, in your PayPal Account for certain Merchants. When you store your

loyalty card numbers or bar codes in your PayPal Account, you will earn any rewards, subject to the

Merchant’s loyalty card terms and conditions, at the time you make your payment to the Merchant

by presenting the stored loyalty card number or bar code to the Merchant at the point of sale. It is

your responsibility to make sure that you have entered in your loyalty card information correctly and

that you update it as necessary. It is also your responsibility to ensure that you are receiving the

rewards to which you are entitled. PayPal is not responsible for managing your loyalty card account

by offering this service and any questions about your loyalty card or associated rewards program

should be directed to the Merchant that offers the card.

3.17 Special Offers. You may receive promotional offers from PayPal, such as coupons, Merchant

Specific Promotional Balances and other deals (together, "Offers") that can be applied to purchases you

make at participating stores and websites using your PayPal Account.

a. Offer Redemption. To redeem an Offer, you must first save it to your PayPal Account. Some

Offers are saved automatically. The Offer applies to your next eligible purchase made through your

PayPal Account at the offering Merchant, unless you mark the Offer for later use. Some Offers may

apply solely to In-Store Checkout transactions, while others may be used solely for online

transactions – check Offer terms for details. The Offer is valid from 12:01 AM EST on the Offer’s

start date through 11:59 EST on the Offer’s expiration date. Merchant Specific Promotional

Balances are applied to post-sales tax amounts.

b. Terms. Offers may be subject to additional terms provided with the Offer. The Merchant and/or

PayPal set the Offer terms, which may be viewed when you receive the Offer or in your PayPal

Account if the Offer is saved there.

c. Refunds. Offer terms apply to refunds for items purchased using the Offer. The refunded amount

may go back to the Offer, your Payment Method for the transaction, your PayPal Balance or a

combination of the above. If you redeem a Merchant Specific Promotional Balance, the following

refund terms apply: If you seek a full refund for a purchase that applied the Offer, you will receive

the full refund amount minus the Offer value. If a partial refund is provided, you will receive the

partial refund amount minus the Offer value. Offers are still subject to their expiration dates.

Refunds are also subject to the merchant’s refund policy.

d. Limits of Liability and Exclusions. PayPal has no liability if you fail to use any Offers prior to

expiration or if PayPal does not remind you of pending Offers or their expiration dates. PayPal is not

responsible for Offer terms set by a Merchant or for the compliance of those terms with any

applicable laws.

3.18 Initial Transaction Covered by PayPal

a. If PayPal has covered your first transaction when you set up your PayPal Account this section

applies to you.

b. Having your initial transaction covered by PayPal is a one-time feature to allow eligible new

customers additional time to add a Payment Method and pay for your transaction. Eligibility is

determined by PayPal in our sole discretion. If you are an eligible new customer, we will pay the

Merchant on your behalf. You agree that you may have up to 30 Days to pay for your transaction by

logging into your PayPal Account and adding a Payment Method to pay for your transaction.

c. You authorize PayPal to charge the first Payment Method that you add after your initial transaction

to pay for this transaction.

d. If the first Payment Method that you add to your PayPal Account is not available or is rejected, you

authorize us to use any of the eligible Payment Methods linked to your PayPal Account to recover

this amount. We will only recover up to the amount of the transaction you authorized. If you do not

pay this amount back after 60 Days we may take action to collect the amount due from you to the

full extent permitted by law, and we may restrict further use of your PayPal Account.

e. If we covered a purchase for you at the time you opened your PayPal Account, we will not cover

any later purchase.

f. PayPal has the right, subject to applicable law, to terminate, cancel, suspend or modify this section

at any time, but any modification will not affect purchases previously covered.

3.19 Other Disclosures Regarding Credit

The Ohio laws against discrimination require that all creditors make credit equally available to all

creditworthy customers and that credit reporting agencies maintain separate credit histories on each

individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

As required by California law, a married applicant may apply separately for credit.

4. Receiving Money.

4.1 Receiving Personal Payments. If you are selling goods or services, you may not ask the buyer to

send you a Personal Payment for the purchase. If you do so, PayPal may remove your ability to accept

Personal Payments.

4.2 Payment Review. Payment Review is a process by which PayPal reviews certain potentially high-risk

transactions. If a payment is subject to Payment Review, PayPal will place a hold on the payment and

provide notice to the Seller to delay shipping of the item. PayPal will conduct a review and either clear or

cancel the payment. If the payment is cleared, PayPal will provide notice to the Seller to ship the item.

Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer. All payments that

clear Payment Review will be eligible for PayPal Seller protection coverage if they meet the PayPal Seller

protection requirements. PayPal will provide notices to you by email and in the “History” or “Activity”

tab of your Account.

4.3 Risk of Reversals, Chargebacks and Claims. 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 for any

reason. This means that, in addition to any other liability, you will be responsible for the amount of the

payment sent by the sender, plus the applicable Fees listed in Section 8 (Fees) of this Agreement if you

lose a Claim or a Chargeback or if there is a Reversal of the payment. You agree to allow PayPal to

recover any amounts due to PayPal by debiting your Balance. If there are insufficient funds in your

Balance to cover your liability, you agree to reimburse PayPal through other means. If a sender of a

payment files a Chargeback, the credit card issuer, not PayPal, will determine who wins the Chargeback.

4.4 Refund and Reversal Currencies. All refunds and reversals will be made in the same currency as the

original transaction. If your transaction must be refunded or reversed and you do not have the correct

currency available in your Balance, a currency conversion will be performed.

4.5 No Surcharges. You agree that you will not impose a surcharge or any other fee for accepting PayPal

as a payment method. 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.

4.6 Taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or

receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax

authority. PayPal is not responsible for determining whether taxes apply to your transaction, or for

collecting, reporting or remitting any taxes arising from any transaction. You acknowledge that PayPal

will report to the Internal Revenue Service the total amount of payments for goods and services you

receive each calendar year into all the Accounts you own if you receive into these Accounts (i) more than

$20,000 in payments for goods or services and (ii) receive more than 200 payments for goods or services

in the same calendar year.

4.7 Receiving Payments from Student Accounts. PayPal may block your ability to receive payments

from Student Accounts if you sell goods or services that may be illegal for minors to purchase under any

applicable laws or regulations. This includes, but is not limited to, alcohol, tobacco or adult-oriented

materials.

4.8 Your Refund Policy and Privacy Policy. If you sell goods or services, we recommend that you have

a published return policy and a published privacy policy on your website and, if applicable, at your point

of sale, including your In-Store Checkout point of sale.

4.9 Receiving Preapproved Payments.

If you receive Preapproved Payments, you must comply with the following requirements:

a. Authorization. You must receive your buyer’s prior Authorization for the amount, frequency, and

duration of the Preapproved Payment. You must provide your buyer with notice of the amount and

date of each Preapproved Payment at least 10 Days before the transfer, unless the buyer has elected

to receive notices only for varying amounts, as described in clause (b) below.

b. Notice Requirements for Varying Amounts. If the amount of the Preapproved Payment varies, you

must provide your buyer with notice of the amount and date of each Preapproved Payment transfer

at least 10 Days before the transfer. You may also give the buyer the option to receive notice only

when the amount of a Preapproved Payment falls outside a range that you and the buyer have agreed

upon in advance. If the buyer has chosen to receive notices only for Preapproved Payments falling

outside the agreed upon range, then you must send your buyer notice of the amount and date of

those transfers at least 10 Days before the transfer.

c. Required Stop Payment Procedures for Preapproved Payments. You must provide buyers with the

ability to stop a Preapproved Payment up to 3 Business Days before the scheduled date of the

Preapproved Payment. If a buyer has stopped or canceled a Preapproved Payment, you may not

restart future payments without the written Authorization of the buyer. In addition, if your buyer

signed up for the Preapproved Payment through an online method, you must provide a simple and

easily accessible online cancellation procedure.

4.10 No Log-In Payments. If you receive No Log-In Payments you must receive your buyer’s

Authorization for the payment amount prior to submitting the No Log-In Payment.

4.11 Micropayments for Digital Goods. To qualify to receive Micropayments for Digital Goods, you

must submit an application, be approved by us, and have an Account in good standing. By applying for

Micropayments for Digital Goods, you agree that for Digital Goods transactions you receive up to the

amounts in the table below, if a buyer opens a Dispute, PayPal may reverse the transaction, and remove

the funds from your Account without requiring the buyer to escalate the Dispute to a Claim.

Each buyer will be limited to a maximum of three such reversals per month and after reaching this limit

will be required to follow PayPal’s standard dispute resolution process for any additional Disputes they

file.

Currency

Amount

Currency

Amount

Australian Dollar:

$9.99 AUD

New Zealand Dollar:

$9.99 NZD

Brazilian Real:

7.99 BRL

Norwegian Krone:

29.99 NOK

Canadian Dollar:

$3.99 CAD

Philippine Peso:

499.99 PHP

Czech Republic Koruna:

99.99 CZK

Polish New Zloty:

19.99 PLN

Danish Krone:

24.99 DKK

Singaporean Dollar:

$9.99 SGD

Euro:

€3.99 EUR

Swedish Krona:

34.99 SEK

Hong Kong Dollar:

$49.99 HKD

Swiss Franc:

4.99 CHF

Hungarian Forint:

999 HUF

Taiwan New Dollar:

249.00 TWD

Israeli New Shekel:

15.99 ILS

Thai Baht:

249.99 THB

Japanese Yen:

¥999 JPY

U.K. Pound Sterling:

£3.99 GBP

Mexican Peso:

$39.99 MXN

U.S. Dollar:

$3.99 USD

4.12 PayPal Business Payments. If you offer PayPal Business Payments in a payment flow, you shall

not offer any other PayPal-branded payment option in the same flow.

4.13 Card Not Present Transactions. Except for PayPal Debit Card transactions, you acknowledge that

all debit or credit card funded transactions from a buyer’s Account are processed as “card not present”

transactions, even where the buyer is at the physical point of sale. Under the card association rules, a

buyer has different Chargeback rights for “card not present” transactions than for transactions where the

buyer physically presents the card to the seller.

4.14 Mobile In-Store Payments. If you receive Mobile In-Store Payments you must communicate the

amount of the transaction to the customer before the transaction takes place. You may charge your

customer’s PayPal account only for transactions that they have authorized. You must also provide

customers with a physical receipt if they request one. You agree that any transaction that you submit shall

have an accurate and true description of the goods and services being purchased.

4.15 PayPal Advertising Program: The PayPal Advertising Program enables qualifying Merchants to

place PayPal-hosted banners and buttons promoting PayPal Services and/or PayPal Credit (“Advertising

Banners”) on their websites, in their customer emails, and on their eBay stores.

If you participate in the PayPal Advertising Program, you must comply with the following requirements:

a. You must comply with Advertising Banner integration requirements provided by PayPal or

authorized third party providers to ensure that Advertising Banners are accurately presented.

b. You are prohibited from modifying Advertising Banners or altering their presentation in any way.

c. You are prohibited from copying Advertising Banners from other websites. Instead, you must use

the HTML code as provided by PayPal to place Advertising Banners on your websites, eBay stores

or in customer communications.

d. You are prohibited from creating, hosting and displaying your own Advertising Banners on your

websites, eBay stores or in customer communications, unless authorized by PayPal in writing.

e. You must use the Advertising Banners in their entirety with all the links and language provided by

PayPal.

f. You may not post Advertising Banners on social media networks or platforms, unless authorized by

PayPal in writing.

g. If Advertising Banners on your website, customer communications or eBay stores fail to

automatically update, you will cooperate with PayPal to (i) manually update the Advertising

Banners as they appear on your sites; (ii) repair or reinstall the HTML code to facilitate future

updates; and (iii) remove any non-current messaging or PayPal Credit offer terms from your sites.

h. If you fail to comply with any use or implementation requirements as communicated by PayPal or

authorized third party providers, you will be liable for any resulting damages suffered by PayPal or

any third parties, and PayPal may remove or modify your Advertising Banners.

i. If you stop using a qualifying PayPal payments solution, you must immediately remove all

Advertising Banners from your sites and customer communications and/or cooperate with PayPal or

your third party provider to do so.

If you present Advertising Banners that include PayPal Credit messaging, you must also comply with the

following, additional requirements:

a. You must use a PayPal payments solution that is pre-integrated with PayPal Credit, unless

authorized by PayPal in writing. See eligible PayPal payments solutions.

b. If you receive customer inquiries relating to PayPal Credit, you must direct the customer to PayPal

Credit Customer Support at (866) 528-3733. If a customer is unable to process a transaction using

PayPal Credit, you are prohibited from communicating any reason for the customer’s decline. You

are also prohibited from representing or holding yourself out to represent PayPal Credit in any way.

Advertising Banners may be changed at any time for any reason. PayPal may also discontinue any

Advertising Banners and/or the PayPal Advertising Program at any time, at its sole discretion.

5. Account Balances.

5.1 Balances. You do not need to maintain a Balance in your Account in order to make or receive

payments. If you do hold a Balance, that Balance represents an unsecured claim against PayPal and is not

insured by the FDIC. PayPal will combine your Balance with the Balances of other Users and will invest

those funds in liquid investments in accordance with State money transmitter laws. PayPal will own the

interest or other earnings on pooled Balances. PayPal will hold pooled Balances separate from its

corporate funds and will not use Balances for its operating expenses or for any other corporate purposes.

PayPal will not voluntarily make Balances available to its creditors in the event of bankruptcy. In

addition, the issuer of the PayPal Debit Card, which is The Bancorp Bank, holds debit card customer

balances in a pooled account held in the debit card issuer’s name for the benefit of PayPal debit card

users.

5.2 Negative Balances and Multiple Currencies. If your Account has a negative Balance, PayPal may

deduct amounts you owe PayPal from money you subsequently add or receive into your Account. If you

have multiple currency Balances in your Account and one of the currency Balances becomes negative for

any reason, PayPal may set off the negative Balance by using funds you maintain in a different currency

Balance. If you have a negative balance in non-U.S. Dollars for a period of 21 Days or longer, PayPal will

convert this negative Balance to U.S. Dollars. If you open more than one Account, PayPal may set off the

negative Balance in one Account by using any Balance that you maintain in your other Account(s). In the

event that a negative Balance is offset by PayPal pursuant to this paragraph, it may be bundled with

another debit coming out of your Account.

5.3 Risks of Maintaining Balances in Multiple Currencies. You are responsible for all risks associated

with maintaining Balances in multiple currencies. You agree that you will not attempt to use multiple

currencies for speculative trading.

5.4 Setoff of Past Due Amounts. If you have a past due amount owed to PayPal, an Affiliate or eBay,

Inc., PayPal may debit your Account to pay any amounts that are more than 180 Days past due.

5.5 Security Interest. To secure your performance of this Agreement, you grant to PayPal a lien on and

security interest in and to the Balances in your Account in the possession of PayPal.

6. Withdrawing Money.

6.1 How to Withdraw Money. You may withdraw funds from your Account by electronically

transferring them to your bank account, requesting a physical check through the mail, or using your

PayPal Debit Card (eligible Users only). Funds may only be withdrawn in US Dollars. If you request a

physical check, you will be charged the Withdrawing your Balance Fee as set out in Section 8. Generally,

we will send checks only to Confirmed Addresses, unless you have a Verified Account. We will not send

checks to P.O. Boxes. If you would like us to send a check to an address that does not meet these criteria,

you must contact Customer Service and provide the documentation that we request to verify your

association with the address. If you fail to cash a check within 180 Days of the date of issuance, we will

return the funds to your Balance but we will retain the Withdrawing your Balance Fee.

6.2 Withdrawal Limits. Depending on the degree to which you have Verified your Account, we may

limit the amount you may withdraw to $500.00 USD per month. You can view your withdrawal limit, if

any, by logging into your Account. In addition, we may delay withdrawals of large sums of money while

we perform a risk review.

7. Closing Your Account.

7.1 How to Close Your Account. You may close your Account at any time by following the instructions

in your Account Profile. Upon Account closure, we will cancel any pending transactions and you will

forfeit any Balances associated with Redemption Codes, unless otherwise legally prohibited. You must

withdraw your Balance prior to closing your Account. If you have a pending PAD payment, we will not

close your Account until that payment has been made, but we may limit your ability to make additional

transactions using your Account.

7.2 Limitations on Closing Your Account. You may not close your Account to evade an investigation.

If you attempt to close your Account while we are conducting an investigation, we may hold your

Balance for up to 180 Days to protect PayPal, its affiliates, or a third party against the risk of Reversals,

Chargebacks, Claims, fees, fines, penalties and other liability. You will remain liable for all obligations

related to your Account even after the Account is closed. You may not close your Account if you have an

open PayPal Credit Account linked to your Account; however, your Account may be restricted at your

request so it is only open to enable you to service your PayPal Credit Account online.

7.3 Escheatment of Dormant Accounts. If you do not log in to your Account for two or more years,

PayPal may close your Account and send the Balance to your primary address or, if required, escheat

(send) your Balance to your state of residency. PayPal will determine your residency based on the state

listed in your primary address. If your address is unknown or registered in a foreign country, your

Balance will be escheated to the state of Delaware. Where required, PayPal will send you a notice prior to

escheating or closing your Account. If you fail to respond to this notice, your Balance will be escheated to

the applicable state. If you would like to claim any escheated Balance from the state, please contact your

state's Unclaimed Property Administrator.

8. Fees and Currency Conversion.

8.1 Fees Overview.

Fees are based on whether you are making a Purchase Payment, a Personal Payment or a PayPal Business

Payment. Some fees are expressed as a percentage of the payment amount. All Fees are in U.S. Dollars

unless otherwise stated.

a. For Purchase Payments, the recipient of the payment will always pay the Fee.

b. For Personal Payments, the following applies:

a. The Fee depends on the Payment Method you use.

b. The Fee is paid by either the sender or recipient, not both.

c. The sender of the payment generally determines who pays the Fee at the time the sender makes

the payment. If you send a Personal Payment 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 of the Personal Payment will pay the Personal Payment Fee. This will be disclosed to

you by the third party before the Personal Payment is initiated.

However, for senders that have been upgraded to the updated PayPal user experience, there is

no longer an option to allow the recipient of a Personal Payment to pay the Fee. A sender of a

Personal Payment that has been upgraded to the updated PayPal user experience will always

pay the Fee (if a Fee applies). The Fee will be disclosed to you before the Personal Payment is

sent.

Senders of Personal Payments that have not been upgraded to the updated PayPal experience

may generally still determine whether the sender or recipient pays the fee. Therefore, if you

receive a Personal Payment from a sender that has not been upgraded to the updated PayPal

experience, the recipient may pay the Fee, depending on the sender’s determination.

The Fee is waived if you send a Personal Payment to someone in the United States in U.S.

Dollars and you use your bank or Balance as the exclusive Payment Method. If you use a

different Payment method to send a Personal Payment, the Fees set out below will apply.

d. Additional Fees apply if you are sending or receiving money to or from a country outside the

United States or transacting in a foreign currency.

e. If you use your credit card as the Payment Method for a Personal Payment, you may be

charged a cash-advance fee by your credit card company.

f. In some instances, Personal Payment pricing may not be available. In these instances, all

payments must be Purchase Payments.

g. Personal Payments may not be available on non-PayPal websites or other applications that

offer you the ability to send a payment from your Account.

h. Personal Payments may not be sent to recipients in certain countries.

c. For PayPal Business Payments, the PayPal Business Payment Fee is paid by the recipient unless it is

disclosed to you before you send the payment that you, the sender, must pay this Fee.

d. We reserve the right to adjust your future Fees at our sole discretion upon 30 days’ written notice to

you.

8.2 Domestic Payments in U.S. Dollars. This applies when both the sender and recipient are in the

United States and the payment is in U.S. Dollars.

a. Domestic Personal Payments in U.S. Dollars.

Activity

Payment Method

Personal Payment

Fee

Sending or

receiving*

Exclusively Balance or bank account

Fee waived

Other, including a fully or partially funded

payment by credit or debit card, or PayPal

Credit.

Standard rate: 2.9%

+ $0.30 USD

*Sender generally determines whether the sender or recipient pays the Fee. See Section

8.1(b).

However, for senders that have been upgraded to the newly updated PayPal user

experience, there will no longer be an option to allow the recipient of the Personal Payment

to pay the Fee and such sender will always pay the Fee (if a Fee applies).

b. Domestic Purchase Payments in U.S. Dollars.

Activity

Purchase Payment Fee

Sending (buying)

Free

Receiving (selling)

Standard rate:

Mobile In-Store Payments rate:

2.9% + $0.30 USD

2.7%

Nonprofit rate**:

2.2% + $0.30

** Nonprofit rate is only available for registered charities with 501(c)(3) status.

8.3 Domestic Payments in a Foreign Currency. When both the sender and recipient are in the United

States, but the payment is in a currency other than U.S. Dollars, then the Fees above shall apply with the

following change: The $0.30 USD fixed fee portion of the Fees above will be replaced by the fixed fee of

the currency of the payment as described in Section 8.4(c) below.

8.4 International Payments. The following Fees apply when either the sender or recipient is outside the

United States.

a. Sending International Personal Payments from the United States. The Fee is based on the country of

the recipient.

Activity

Recipient’s

Country

Discount rate:

Personal Payment Fee

when Payment

Method is exclusively

Balance or bank

Standard rate: Personal Payment

Fee when another Payment

Method is used to fully or

partially fund the payment,

including a credit or debit card,

PayPal Credit or PayPal Cards

Sending*

Australia

3.4% + Fixed Fee**

Brazil

5.99% + Fixed Fee**

Canada

2.9% + Fixed Fee**

Germany

3.9% + Fixed Fee**

Japan

0.3%

3.9% + Fixed Fee**

Poland

1.0%

3.9% + Fixed Fee**

All countries

except as listed

0.5%

3.9% + Fixed Fee**

above

* Sender generally determines whether the sender or recipient pays the Fee. See Section

8.1(b).

However, for senders that have been upgraded to the newly updated PayPal user

experience, there will no longer be an option to allow the recipient of the Personal Payment

to pay the Fee and such sender will always pay the Fee.

**See Section 8.4(d) below for detailed list of fixed fees for international payments.

b. Receiving International Personal Payments in the United States.

Activity

Personal Payment Fee

when Payment Method is

exclusively Balance or

bank

Personal Payment Fee when another

Payment Method is used to fully or partially

fund the payment, including a credit or debit

card, PayPal Credit or PayPal Cards

Receiving*

1.0%

3.9% + Fixed Fee**

*Sender may determine whether the sender or the recipient pays the fee.

**See Section 8.4(d) below for detailed list of fixed fees for international payments.

c. International Purchase Payments.

Activity

Purchase Payment Fee

Sending from the United

States (buying)

Free*

Receiving in the United

States (selling)

Standard rate:

Mobile In-Store

Payments rate:

3.9% + Fixed Fee**

3.7%

Nonprofit rates***:

Monthly Donation

Volume:

$0.01 - $100,000.00

Over $100,000.00

Fee:

3.2% + Fixed

Fee**

2.9% + Fixed

Fee**

* Your financial institution may charge fees directly to the card you use to fund a

recipient’s country-border payment even where no currency conversion is involved.

** See Section 8.4(d) below for detailed list of fixed fees for international payments.

*** Nonprofit rates are only available for registered charities with 501(c)(3) status.

d. Fixed Fees. The fixed fee that applies is based on the currency of the payment:

Currency

Fee

Australian Dollar:

$0.30

AUD

Brazilian Real:

0.60 BRL

Canadian Dollar:

$0.30

CAD

Czech Koruna:

10.00

CZK

Danish Krone:

2.60 DKK

Euro (France) (Applicable to

International

Personal and Purchase Payments from

US sender to a receiver in France):

€0.25

EUR

Euro (Applicable where the currency

of the payment is Euro but the

receiver

is not in France):

€0.35

EUR

Hong Kong Dollar:

$2.35

HKD

Hungarian Forint:

90 HUF

Israeli Shekel:

1.20 ILS

Japanese Yen:

¥40 JPY

Mexican Peso:

$4.00

Currency

Fee

Norwegian Krone:

2.80 NOK

Philippine Peso:

15.00 PHP

Polish Zlotych:

1.35 PLN

Russian Ruble

10 RUB

Singapore Dollar:

$0.50

SGD

Swedish Krona:

3.25 SEK

Swiss Franc:

0.55 CHF

Taiwan New

Dollar:

10.00

TWD

Thai Baht:

11.00

THB

U.K. Pounds

Sterling:

£0.20

GBP

U.S. Dollar:

$0.30 USD

MXN

New Zealand Dollar:

$0.45

NZD

8.5 Micropayments Fees. If you sign up for Micropayments pricing, then the micropayment Fees

provided in clauses (a) to (c) below will apply to all Purchase Payments you receive into your Account. If

you have both a Micropayments Pricing enabled Account and a standard pricing Account, you

acknowledge that it is your responsibility to correctly route your payments to the appropriate Account,

and that once a transaction is processed through the Account you selected, you may not request that the

transaction be processed through a different Account. If you use PayPal Payments Pro, you are not

eligible for Micropayments pricing.

a. Domestic Micropayments in U.S. Dollars. The following Fees apply when both the sender and

recipient are in the United States and the payment is in U.S. Dollars:

Activity

Micropayments Pricing Fees

Sending (buying)

Free

Receiving (selling)

5% + $0.05 USD

b. International Micropayments. The following Fees apply when either the sender or recipient is

outside the United States:

Activity

Micropayments Pricing Fees

Sending (buying)

Free*

Receiving (selling)

6% + Fixed Fee**

* Your financial institution may charge fees directly to the card you use to fund a cross-

border payment even where no currency conversion is involved.

** See clause 8.5(c) below for a detailed list of fixed fees for international payments.

c. Fixed Fees. The fixed fee that applies to international micropayments pricing is based on the

currency of the payment:

Currency

Fee

Australian Dollar:

$0.05 AUD

Brazilian Real:

0.10 BRL

Canadian Dollar:

$0.05 CAD

Czech Koruna:

1.67 CZK

Danish Krone:

0.43 DKK

Euro:

€0.05 EUR

Hong Kong Dollar:

$0.39 HKD

Hungarian Forint:

15 HUF

Israeli Shekel:

0.20 ILS

Japanese Yen:

¥7 JPY

Mexican Peso:

$0.55 MXN

New Zealand Dollar:

$0.08 NZD

Currency

Fee

Norwegian Krone:

0.47 NOK

Philippine Peso:

2.5 PHP

Polish Zlotych:

0.23 PLN

Russian Ruble*:

2 RUB

Singapore Dollar:

$0.08 SGD

Swedish Krona:

0.54 SEK

Swiss Franc:

0.09 CHF

Taiwan New Dollar:

2.00 TWD

Thai Baht:

1.80 THB

U.K. Pounds Sterling:

£0.05 GBP

U.S. Dollar:

$0.05 USD

d. *Subject to commencement of PayPal’s Russian Ruble service.

8.6 PayPal Business Payment Fee. The PayPal Business Payment Fee is currently being offered as a

pilot and only through third parties’ products or services (not by PayPal directly). PayPal will apply the

following Fee to each PayPal Business Payment transaction:

a. Domestic PayPal Business Payments in U.S. Dollars. This Fee applies when both the sender and

recipient are in the United States, and the payment is in U.S. Dollars.

Activity

PayPal Business Payment Fee

Sending or receiving*

$0.50 USD

* The PayPal Business Payment Fee is paid by the recipient unless you are the sender and it

is disclosed to you before you send the payment that you must pay this fee.

b. International Business Payments in U.S. Dollars. The following Fees apply when either the

sender or recipient is outside the United States, and the payment is in U.S. Dollars.

Activity

Country

PayPal Business Payment Fee

Sending*

Canada

$5.00 USD

China**

2%, up to a maximum of $60.00 USD

Receiving*

Canada

1% + $0.50 USD, up to a maximum of $15.00 USD

* The PayPal Business Payment Fee is paid by the recipient unless you are the sender and it

is disclosed to you before you send the payment that you must pay this fee.

** PayPal Business Payments may only be sent to China in U.S. Dollars and the payment

must be equal to or greater than $2000.00 USD.

c. International Business Payments in a Foreign Currency. The following Fees apply when either

the sender or recipient is outside the United States, and the payment is in a currency other than U.S.

Dollars.

Activity

Country

PayPal Business Payment Fee

Sending*

Canada

$5.00 CAD

Receiving*

Canada

1% + $0.50 CAD, up to a maximum of $15.00 CAD

* The PayPal Business Payment Fee is paid by the recipient unless you are the sender and it

is disclosed to you before you send the payment that you must pay this fee.

8.7 Mass Payment Fees. The following fees apply when you use Mass Payments to send multiple

payments at the same time.

a. Domestic Mass Payments. If you send Mass Payments within the U.S., your fee is 2% of each

recipient’s payment amount, up to a maximum amount of $1.00 USD per recipient, or its foreign

currency equivalent as set out below.

Currency

Fee

Currency

Fee

Australian Dollar:

$1.25 AUD

Brazilian Real:

2.00 BRL

Canadian Dollar:

$1.25 CAD

Czech Koruna:

24.00 CZK

Danish Krone:

6.00 DKK

Euro:

€0.85 EUR

Hong Kong Dollar:

$7.00 HKD

Hungarian Forint:

210 HUF

Israeli Shekel:

4.00 ILS

Japanese Yen:

¥120 JPY

Mexican Peso:

$11.00 MXN

New Zealand Dollar:

$1.50 NZD

Norwegian Krone:

6.75 NOK

Philippine Peso:

50.00 PHP

Polish Zlotych:

3.00 PLN

Russian Ruble*:

240 RUB

Singapore Dollar:

$1.60 SGD

Swedish Krona:

9.00 SEK

Swiss Franc:

1.30 CHF

Taiwan New Dollar:

33.00 TWD

Thai Baht:

36.00 THB

U.K. Pounds Sterling:

£0.65 GBP

U.S. Dollar:

$1.00 USD

b. *Subject to commencement of PayPal’s Russian Ruble service.

c. Domestic Mass Payments Using Payouts API. If you send Mass Payments using the Payouts API

within the U.S., your fee is a flat fee of $0.25 USD per recipient, or its foreign currency equivalent

as set out below.

Currency

Fee

Australian Dollar:

$0.32 AUD

Brazilian Real:

0.50 BRL

Canadian Dollar:

$0.32 CAD

Czech Koruna:

6.00 CZK

Danish Krone:

1.50 DKK

Euro:

€0.22 EUR

Hong Kong Dollar:

$1.75 HKD

Hungarian Forint:

52.5 HUF

Israeli Shekel:

1.00 ILS

Currency

Fee

Norwegian Krone:

1.70 NOK

Philippine Peso:

12.50 PHP

Polish Zlotych:

0.75 PLN

Russian Ruble*:

60 RUB

Singapore Dollar:

$0.40 SGD

Swedish Krona:

2.25 SEK

Swiss Franc:

0.33 CHF

Taiwan New Dollar:

8.25 TWD

Thai Baht:

9.00 THB

Japanese Yen:

¥30 JPY

Mexican Peso:

$2.75 MXN

New Zealand Dollar:

$0.38 NZD

U.K. Pounds Sterling:

£0.17 GBP

U.S. Dollar:

$0.25 USD

d. *Subject to commencement of PayPal’s Russian Ruble service.

e. International Mass Payments. If you send Mass Payments internationally, your fee is 2% of each

recipient’s payment amount, up to a maximum amount of $20.00 USD per recipient, or its foreign

currency equivalent as set out below.

Currency

Fee

Australian Dollar:

$24.00 AUD

Brazilian Real:

40.00 BRL

Canadian Dollar:

$24.00 CAD

Czech Koruna:

400.00 CZK

Danish Krone:

120.00 DKK

Euro:

€16.00 EUR

Hong Kong Dollar:

$160.00 HKD

Hungarian Forint:

6000 HUF

Israeli Shekel:

80.00 ILS

Japanese Yen:

¥2,000 JPY

Mexican Peso:

$300.00 MXN

New Zealand Dollar:

$30.00 NZD

Currency

Fee

Norwegian Krone:

120.00 NOK

Philippine Peso:

1,000.00 PHP

Polish Zlotych:

60.00 PLN

Russian Ruble*:

1,400 RUB

Singapore Dollar:

$32.00 SGD

Swedish Krona:

160.00 SEK

Swiss Franc:

20.00 CHF

Taiwan New Dollar:

800.00 TWD

Thai Baht:

800.00 THB

U.K. Pounds Sterling:

£14.00 GBP

U.S. Dollar:

$20.00 USD

f. *Subject to commencement of PayPal’s Russian Ruble service.

8.8 Additional Fees.

Activity

Fee

Withdrawing

your Balance

Free to transfer to a bank. $1.50 for a physical check.

Chargeback

The Chargeback Fee applies at the time a Chargeback is applied to your

Account for a payment you received and for which you are not eligible for

PayPal Seller protection. This Fee is based on the currency received as

follows:

Currency

Chargeback Fee

Australian Dollar:

$22.00 AUD

Brazilian Real:

35.00 BRL

Canadian Dollar:

$20.00 CAD

Czech Koruna:

400.00 CZK

Danish Krone:

120.00 DKK

Euro:

€16 EUR

Hong Kong Dollar:

$155.00 HKD

Hungarian Forint:

4325 HUF

Israeli Shekel:

75.00 ILS

Japanese Yen:

¥1875 JPY

Mexican Peso:

$250.00 MXN

New Zealand Dollar:

$28.00 NZD

Norwegian Krone:

125.00 NOK

Philippine Peso

900.00 PHP

Polish Zlotych:

65.00 PLN

Russian Ruble*:

640 RUB

Singapore Dollar:

$28.00 SGD

Swedish Krona:

150.00 SEK

Swiss Franc:

22.00 CHF

Taiwan New Dollar:

625.00 TWD

Thai Baht:

650.00 THB

U.K. Pounds Sterling:

£14.00 GBP

U.S. Dollar:

$20.00 USD

*Subject to commencement of PayPal’s Russian Ruble service

Purchase

Payment

Refund Fee

If you refund a Purchase Payment, we will retain the fixed fee portion of the

Purchase Payment Fee. The buyer’s Account will be credited with the full

Purchase Payment amount and the fixed fee portion of the Purchase Payment

Fee will be deducted from your Account in addition to the amount of the

refunded payment. The fixed fee will depend on the currency of the original

Purchase Payment and is listed above.

Credit Card

and Debit

Card

Confirmation

$1.95

This fee will be refunded if you successfully complete the credit card or debit

card confirmation process.

Records

Request

$10.00 per item requested

We will not charge you for records requested in connection with your good-

faith assertion of an error in your Account.

8.9 Currency Conversion

Activity

Spread

Currency

Conversion

2.5% added to the exchange rate

The Currency Conversion spread applies whenever a currency conversion is

required to complete your transaction. The exchange rate is determined by a

financial institution and is adjusted regularly based on market conditions.

Adjustments may be applied immediately and without notice to you.

When your payment is funded by a debit or credit card and requires a currency

conversion, you consent to and authorize PayPal to convert the currency in

place of your debit or credit card issuer. You have the right to have your card

issuer perform the currency conversion and can choose this option during

checkout on your transaction review page before you complete the transaction.

9. Restricted Activities.

9.1 Restricted Activities. In connection with your use of our website, your Account, the PayPal Services,

or in the course of your interactions with PayPal, other Users, or third parties, you will not:

a. Breach this Agreement, the Commercial Entity Agreement, the Acceptable Use Policy or any

other agreement or policy that you have agreed to with PayPal;

b. Violate any law, statute, ordinance, or regulation (for example, those governing financial services,

consumer protections, unfair competition, anti-discrimination or false advertising);

c. Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual

property rights, or rights of publicity or privacy;

d. Sell counterfeit goods;

e. Act in a manner that is defamatory, trade libelous, threatening or harassing;

f. Provide false, inaccurate or misleading information;

g. Send or receive what we reasonably believe to be potentially fraudulent funds;

h. Refuse to cooperate in an investigation or provide confirmation of your identity or any Information

you provide to us;

i. Attempt to double dip during the course of a dispute by receiving or attempting to receive funds

from both PayPal and the Seller, bank or credit card issuer for the same transaction;

j. Control an Account that is linked to another Account that has engaged in any of these Restricted

Activities;

k. Conduct your business or use the PayPal Services in a manner that results in or may result in

complaints, Disputes, Claims, Reversals, Chargebacks, fees, fines, penalties or other liability to

PayPal, other Users, third parties or you;

l. Have a credit score from a credit reporting agency that indicates a high level of risk associated with

your use of the PayPal Services;

m. Use your Account or the PayPal Services in a manner that PayPal, Visa, MasterCard, American

Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse

of the card system or a violation of card association or network rules;

n. Allow your Account to have a negative Balance;

o. Provide yourself a cash advance from your credit card (or help others to do so);

p. Access the PayPal Services from a country that is not included on PayPal's permitted countries

list;

q. Take any action that imposes an unreasonable or disproportionately large load on our infrastructure;

facilitate any viruses, Trojan horses, worms or other computer programming routines that may

damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or

Information; use an anonymizing proxy; use any robot, spider, other automatic device, or manual

process to monitor or copy our website without our prior written permission; or use any device,

software or routine to bypass our robot exclusion headers, or interfere or attempt to interfere with

our website or the PayPal Services;

r. Take any action that may cause us to lose any of the services from our Internet service providers,

payment processors, or other suppliers;

s. Use the PayPal Services to test credit card behaviors;

t. Circumvent any PayPal policy or determinations about your Account such as temporary or indefinite

suspensions or other Account holds, limitations or restrictions, including, but not limited to,

engaging in the following actions: attempting to create new or additional PayPal Account(s) when

an Account has a negative balance or has been restricted, suspended or otherwise limited; creating

new or additional PayPal Accounts using information that is not your own (e.g. name, address, email

address, etc.); or using someone else’s PayPal Account;

u. Harass and/or threaten our employees, agents, or other users.

9.2 Unlawful Internet Gambling Notice. Restricted transactions as defined in Federal Reserve

Regulation GG are prohibited from being processed through your Account or your relationship with

PayPal. Restricted transactions generally include, but are not limited to, transactions in which credit,

electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection

with unlawful Internet gambling.

10. Your Liability - Actions We May Take.

10.1 Your Liability.

a. General. You are responsible for all Reversals, Chargebacks, Claims, fees, fines, penalties and other

liability incurred by PayPal, a User, or a third party caused by or arising out of your breach of this

Agreement, and/or your use of the PayPal Services. You agree to reimburse PayPal, a User, or a

third party for any and all such liability.

b. Liability for Claims under PayPal Purchase Protection. If you are a Seller and PayPal makes a final

decision that you lose a Claim filed directly with PayPal, you will be required to reimburse PayPal

for your liability. Where you receive payment from a PayPal Account holder in another country and

we determine under the PayPal Buyer Protection Policy of that country that the funds received

should be returned or reversed, you will be subject to that country’s PayPal Purchase Protection

Policy and required to reimburse PayPal for your liability (before receiving payment from a PayPal

Account holder in another country, you should review the relevant PayPal Buyer Protection

Policies accessible via the “Legal” or “Legal Agreements” footer on most PayPal site pages). Your

liability will include the full purchase price of the item plus the original shipping cost (and in some

cases you may not receive the item back). You will not receive a refund of your PayPal fees. PayPal

Seller protection may cover your liability—see Section 11 (Protection for Sellers) below.

If a buyer files a Significantly Not as Described (SNAD) Claim for an item they purchased from

you, you will generally be required to accept the item back and refund the buyer the full purchase

price plus original shipping costs. You will not receive a refund of your PayPal fees. Further, if you

lose a SNAD Claim because we, in our sole discretion, reasonably believe the item you sold is

counterfeit, you will be required to provide a full refund to the buyer and you will not receive the

item back (it will be destroyed). PayPal Seller protection will not cover your liability.

c. Liability for claims filed under eBay’s Buyer Protection resolution process. If you are an eBay

Seller and eBay makes a final decision pursuant to its eBay Money Back Guarantee program

holding you liable to reimburse the buyer, then you authorize PayPal to remove funds from your

Account in an amount not greater than the amount of such claim and remit such funds to eBay or

your buyer. If your Balance is insufficient to cover the amount of such a claim, PayPal will place a

hold on your Account. This hold will remain on your Account until: (1) the date that sufficient funds

become available to cover the amount of such claim, at which time such funds will be removed from

your Account; or (2) 20 Days from the date of eBay's final decision, at which time an amount not

greater than the amount of such claim will be removed from your Account.

If you do not want to allow PayPal to reimburse eBay for your liability, you may opt-out by calling

eBay at 1-866-643-0898. Your opt-out will be effective within 3 Business Days. If you opt-out then

eBay will not use your Account to recover amounts that you owe due to an eBay claim that you lost.

This opt-out will not affect other amounts that you pay to eBay using your Account (such as your

eBay fees).

10.2 Reimbursement for Your Liability. In the event that you are liable for any amounts owed to

PayPal, PayPal may immediately remove such amounts from your Balance. If you do not have a Balance

that is sufficient to cover your liability, your remaining Balance (if any) will be removed; your Account

will have a negative Balance up to the amount of your liability; and you will be required to immediately

add funds to your Balance to eliminate the negative Balance. If you do not do so, PayPal may engage in

collection efforts to recover such amounts from you.

10.3 Actions by PayPal - Restricted Activities. If PayPal, in its sole discretion, believes that you may

have engaged in any Restricted Activities, we may take various actions to protect PayPal, other Users,

other third parties, 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:

a. We may close, suspend, or limit your access to your Account or the PayPal Services (such as

limiting access to any of your Payment Methods, and/or your ability to send money, make

withdrawals, or remove financial Information). Use the Report Form link to request information in

connection with an account limitation, hold or reserve – to access the Report Form, go

to https://www.paypal.com/us/webapps/helpcenter/helphub/home/?dwf=neg_infolimit

b. We may suspend your eligibility for PayPal Purchase Protection and/or PayPal Seller Protection

c. We may contact Users who have purchased goods or services from you, contact your bank or credit

card issuer, and/or warn other Users, law enforcement, or impacted third parties of your actions;

d. We may update inaccurate Information you provided us;

e. We may refuse to provide the PayPal Services to you in the future;

f. We may hold your Balance for up to 180 Days if reasonably needed to protect against the risk of

liability or if you have violated our Acceptable Use Policy;

g. We may take legal action against you; and

h. If you violate the PayPal Acceptable Use Policy, then in addition to the above actions you will be

liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use

Policy. You acknowledge and agree that $2,500.00 USD per violation of the Acceptable Use Policy

is presently a reasonable minimum estimate of PayPal's actual damages considering all currently

existing circumstances, including the relationship of the sum to the range of harm to PayPal that

reasonably could be anticipated because, due to the nature of the violations of the Acceptable Use

Policy, actual damages would be impractical or extremely difficult to calculate. PayPal may deduct

such damages directly from any existing Balance in the offending Account or any other Account

you control.

i. PayPal, in its sole discretion, reserves the right to terminate this Agreement, access to its website, or

access to the PayPal Services for any reason and at any time upon notice to you and payment to you

of any unrestricted funds held in your Balance.

10.4 Actions by PayPal - Court Orders or Other Legal Process.

PayPal, in its sole discretion, may take various actions including placing a hold, Reserve, or other

limitation on your Account or the funds in it and/or releasing any or all of your funds in the event it

receives notice of a court order or other legal process that restricts the use of or access to your funds or

requires their release. PayPal will give notice of a hold, Reserve, or limitation it makes to comply with a

court order or other legal process, unless the court order or other process directs that PayPal not provide

you notice, in which case the court order or other process supersedes any notice obligation PayPal has

undertaken or agreed to under the terms of this Agreement. PayPal has no obligation to contest or appeal

from any such order or process. Holds, Reserves, or limitations on your account that are placed in

response to a court order or other legal process may be maintained longer than 180 Days. PayPal will

decide in its sole discretion the appropriate scope of a hold, Reserve, and/or limitation to assure

compliance with a court order or other legal process.

Additionally, in the event PayPal receives notice of a garnishment or equivalent legal process directing

the restraint of funds in your Account or directing payment of funds from your Account to the court or

another third party, PayPal may limit your Account and hold the funds in it for up to 180 days, and may

disburse funds from your Account, as needed, for the purpose of resolving any Dispute, Claim,

Chargeback, or Reversal.

10.5 Actions by PayPal - Holds.

a. Risk-Based Holds. PayPal, in its sole discretion, may place a hold on any or all of the payments you

receive when PayPal believes there may be a high level of risk associated with you, your Account, or any

or all of your transactions. PayPal’s determination may be based on a number of different factors and

PayPal may rely on information it receives from third parties. If PayPal places a hold on a payment, the

funds will appear in your “Pending Balance” and the payment status will show as “Completed - Funds not

yet available”. If PayPal places a hold on any or all of the payments you receive PayPal will provide you

with notice of our actions. PayPal will release the hold on any payment after 21 Days from the date the

payment was received into your Account unless you receive a Dispute, Claim, Chargeback, or Reversal or

PayPal has taken another action permitted under this Section 10. PayPal, in its sole discretion, may

release the hold earlier under certain circumstances, for example PayPal may release the hold earlier if

you have uploaded tracking information. If you receive a Dispute, Claim, Chargeback, or Reversal,

PayPal may continue holding the payment in your Account until the matter is resolved pursuant to this

Agreement.

b. Disputed Transaction Holds. If a User files a Dispute, Claim, Chargeback or Reversal on a payment

you received, PayPal may place a temporary hold on the funds in your Account to cover the amount of the

liability. If you win the dispute or the transaction is eligible for PayPal Seller protection, PayPal will lift

the temporary hold. If you lose the dispute, PayPal will remove the funds from your Account.

This process also applies to any claim that a buyer files directly with eBay through the eBay Money Back

Guarantee program, provided that your Account is your reimbursement method for amounts you owe to

eBay or to the buyer (as the case may be) under the terms of the eBay Money Back Guarantee program.

10.6 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. If PayPal places a Reserve on

funds in your Account, they will be shown as "pending" in your PayPal Balance. 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.

10.7 Actions by PayPal - Account Closure, Termination of Service, Limited Account Access;

Confidential Criteria. If we close your Account or terminate your use of the PayPal Services for any

reason, we will provide you with notice of our actions. Except as expressly provided otherwise in this

Agreement, if we limit access to your Account, including through a Reserve or hold, we will provide you

with notice of our actions; we will also provide you with an opportunity to request restoration of access if,

in our sole discretion, we deem it appropriate. Further, you acknowledge that PayPal’s decision to take

certain actions, including limiting access to your Account by placing holds or imposing Reserves, may be

based on confidential criteria that are essential to our management of risk and the security of Users’

Accounts and the PayPal system. You agree that PayPal is under no obligation to disclose the details of its

risk management or security procedures to you.

11. Protection for Sellers.

11.1 PayPal Seller Protection.

PayPal Seller protection is protection we provide Sellers from Claims, Chargebacks, or Reversals that are

based on:

 Unauthorized Transaction or

 Item Not Received

PayPal Seller protection is available for eligible payments from buyers in any country. However, if you

sell or market to buyers outside the U.S., please read the PayPal Buyer Protection policy and PayPal

Seller Protection policy of the countries in which you are selling (accessible via the “Legal” or “Legal

Agreements” footer on most PayPal site pages) as these policies will apply to you as a Payment Recipient

or seller.

11.2 Scope of Protection.

PayPal will protect you for the full amount of the eligible payment and waive the Chargeback Fee, if

applicable. There is no limit on the number of payments for which you can receive coverage.

11.3 Eligibility Requirements.

To be eligible for PayPal Seller protection, you must meet all of the basic requirements listed below under

(a) Basic Requirements. To be covered for Item Not Received protection, you must meet both the Basic

Requirements and the Item Not Received Additional Requirements listed below under (b). To be covered

for Unauthorized Transaction protection, you must meet both the Basic Requirements and the

Unauthorized Transactions Additional Requirements listed below under (c).

a. Basic Requirements:

 You must ship the item to the shipping address on the Transaction Details Page.

 You must respond to PayPal's requests for documentation and other information in a timely

manner.

 The item must be a physical, tangible good that can be shipped.

 Your primary residence, as listed in your Account, must be in the United States.

b. Item Not Received Additional Requirements:

 For Chargebacks, the payment must be marked “eligible” or “partially eligible” for PayPal

Seller protection on the Transaction Details Page.

 You must provide Proof of Delivery as described below in Section 11.4.

 If the payment is for pre-ordered or made-to-order goods, shipment is required within the

timeframe specified in your item listing. Otherwise, it is recommended that you ship all items

within 7 Days after receipt of payment.

c. Unauthorized Transactions Additional Requirements:

 The payment must be marked “eligible” for PayPal Seller protection on the Transaction Details

Page.

 You must provide Proof of Shipment or Proof of Delivery.

11.4 Proof of Shipment, Proof of Delivery and Signature Confirmation Requirements.

"Proof of Shipment" is online or physical documentation from a shipping company that includes all of the

following:

 The date the item is shipped.

 The recipient’s address matches the shipping address provided on the Transaction Details Page.

 The recipient’s address, showing at least the city & state, or city & country, or zip/postal code (or

international equivalent).

"Proof of Delivery" for intangible or virtual items or services is documentation satisfactory to PayPal that

the item or service was provided to the buyer such as proof of download including the date of fulfillment.

NOTE: Although Purchase Protection extends coverage to buyers for intangible items, Seller Protection

does not apply to intangible items. However, having proper Proof of Delivery can help a seller win a

buyer’s Item Not Received Purchase Protection Claim.

“Proof of Delivery” for tangible items is online documentation from a shipping company that includes all

of the following:

 The item’s status as delivered.

 The date the item is delivered.

 The recipient address is the same as in the shipping address section on the Transaction Details Page.

 The recipient's address, showing at least the city & state, or city & country, or zip/postal code (or

international equivalent).

 Signature Confirmation as described below if the full amount of the payment including shipping and

taxes is $750 USD or more or its foreign currency equivalent provided below:

850 Australian Dollar (AUD)

950 New Zealand Dollar (NZD)

1,750 Brazilian Real (BRL)

4,600 Norwegian Krone (NOK)

850 Canadian Dollar (CAD)

34,000 Philippine Peso (PHP)

15,000 Czech Republic Koruna (CZK)

2,300 Polish New Zloty (PLN)

4,100 Danish Krone (DKK)

450 Pound Sterling – United Kingdom (GBP)

550 Euro (EUR)

950 Singaporean Dollar (SGD)

6,000 Hong Kong Dollar (HKD)

4,950 Swedish Krona (SEK)

170,000 Hungarian Forint (HUF)

700 Swiss Franc (CHF)

2,700 Israeli Shekel (ILS)

23,000 Taiwan New Dollar (TWD)

77,000 Japanese Yen (JPY)

24,500 Thai Baht (THB)

10,000 Mexican New Peso (MXN)

"Signature Confirmation" is online documentation that can be viewed at the shipping company’s website

and indicates that the item was signed for on delivery.

11.5 Items/transactions not eligible for PayPal Seller protection. The following are items/transactions

not eligible for PayPal Seller protection.

 Intangible items, including Digital Goods, and services.

 Claims or Chargebacks for Significantly Not as Described.

 Items that you deliver in person, including in connection with In-Store Checkout.

 PayPal Direct Payments.

 Virtual Terminal Payments.

 PayPal Business Payments.

 Items equivalent to cash including gift cards.

Items that are not shipped to the recipient's shipping address on the Transaction Details Page. If you

originally ship the item to the recipient's shipping address on the Transaction Details Page but the item is

later redirected to a different address, you will not be eligible for PayPal Seller protection. We therefore

recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide

valid proof of shipping and delivery.

12. Resolution Procedures for Unauthorized

Transactions, Remittance Transfer Errors and Other

Errors.

(Previously called the Electronic Funds Transfer Rights and Error Resolution Policy)

12.1 Protection for Unauthorized Transactions and Other Errors. When an Unauthorized Transaction

or Other Error occurs in your Account, including Unauthorized Transactions that occur because your

PayPal Debit Card or PayPal Mobile-activated phone has been lost or stolen, PayPal will cover you for

the full amount of every eligible Unauthorized Transaction or Other Error as long as you follow the

procedures discussed below in Section 12.2. If you add a Closed Loop gift card to your Account, but this

card does not act as a funding source in your Account, then any use of this card is not considered a

transaction in your Account. Accordingly, any Unauthorized Transaction, Other Error, or Remittance

Transfer Error on this gift card is not PayPal’s responsibility and you are not covered under any PayPal

protection programs.

An "Unauthorized Transaction" is a type of error that occurs when money is sent from your Account

that you did not authorize and that did not benefit you. For example, if someone steals your password,

uses the password to access your Account, and sends a payment from your Account, an Unauthorized

Transaction has occurred. If you give someone access to your Account (by giving them your login

information) and they conduct transactions without your knowledge or permission, you are responsible

for any resulting use. Such transactions are not considered Unauthorized Transactions and are not covered

under any PayPal protection programs.

In addition, "Other Errors" occur when money is either incorrectly taken from your Account or

incorrectly placed into your Account, or when transactions are incorrectly recorded in your Account.

Other Errors that are covered by PayPal are limited to the following events: if you send a payment and it

is incorrectly debited from your Account; if an incorrect amount is credited to your Account; if a

transaction is missing from or not properly identified in your Account statement; if you receive an

incorrect amount of money at an ATM; and if there is a computational or mathematical error by PayPal.

Unauthorized Transactions and Other Errors do not include Disputes, Claims, Chargebacks, and

Reversals. You agree that PayPal is authorized to handle Disputes, Claims, Chargebacks, and Reversals as

set forth in this Agreement, and that no determination made by PayPal or a card issuer with respect to a

Dispute, Claim, Chargeback or Reversal will be considered an Unauthorized Transaction or Other Error.

Routine inquiries about your Account balance or the status of a pending transfer into or out of your

Account are not considered Unauthorized Transactions or Other Errors unless you expressly notify us of

an Unauthorized Transaction or Other Error in connection with the transfer. Requests for information for

tax or other recordkeeping purposes and requests for duplicate documentation also are not deemed to be

Unauthorized Transactions or Other Errors.

PayPal also covers you for Remittance Transfer Errors as long as you follow the procedures discussed

below in Section 12.5.

You may request documentation or information regarding your Account or transaction to determine

whether an Unauthorized Transaction, Other Error or a Remittance Transfer Error exists by contacting us

through the “Contact” or “Contact Us” link at the bottom of each page of the PayPal website.

12.2 Notification Requirements.

a. You should immediately notify PayPal if you believe:

a. there has been an Unauthorized Transaction, unauthorized access to your Account, or the

occurrence of an Other Error;

b. there is an error in your Account statement (you can access your Account statement by logging

into your Account) or your transaction confirmation sent to you by email;

c. your password or PayPal Mobile PIN has been compromised;

d. your PayPal Debit Card or PayPal Mobile-activated phone has been lost, stolen or deactivated;

e. you need more information about a transaction listed on the statement or transaction

confirmation.

b. To be eligible for 100% protection for Unauthorized Transactions or Other Errors in your Account,

you must notify us within 60 Days after any Unauthorized Transaction or Other Error first appears

in your Account statement. If you do not notify us within 60 days, you may not get back any money

you lost after the 60 days if we can prove that we could have stopped someone from taking the

money if you had notified us in time. We will extend the 60 Day time period if a good reason, such

as a hospital stay, kept you from notifying us within 60 Days.

You should regularly log into your Account and review your Account statement to ensure that there

has not been an Unauthorized Transaction or Other Error. PayPal will also send an email to the

primary email address you have provided in order to notify you of each transaction from your

Account, unless you have opted out of receiving certain notifications. You should also review these

transaction confirmations to ensure that each transaction was authorized and is accurate.

For Unauthorized Transactions or Other Errors involving your PayPal Debit Card, notify us as

follows:

a. Log into your Account, go to the "Account Overview" page or “Summary” or “Activity” tab,

select the transaction details for the transaction you wish to dispute and then follow the

directions. Please print and sign the completed form, then mail it to us (PayPal, Attn: PayPal

Debit Card Department, P.O. Box 45950, Omaha, NE 68145-0950) or send it by fax to (303)

395-2855; or

b. Telephone PayPal Customer Service at (402) 935-7733.

For Unauthorized Transactions or Other Errors in your Account, notify us as follows:

c. Use this form to file an error report in the PayPal Resolution Center; or

d. Write to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-

0950; or

e. Telephone PayPal Customer Service at (402) 935-7733.

When you notify us, provide us with all of the following information:

f. Your name and email address registered to your Account;

g. A description of any suspected Unauthorized Transaction or Other Error and an explanation as

to why you believe it is incorrect or why you need more information to identify the transaction;

and

h. The dollar amount of any suspected Unauthorized Transaction or Other Error.

If you notify us orally, we may require that you send us your complaint or question in writing within 10

Business Days. During the course of our investigation, we may request additional information from you.

12.3 PayPal Actions after Receipt of Your Notification. Once you notify us of any suspected

Unauthorized Transaction or Other Error, or we otherwise learn of one, we will do the following:

 We will conduct an investigation to determine whether there has been an Unauthorized Transaction

or Other Error that is eligible for protection.

 We will complete our investigation within 10 Business Days of the date we received your

notification of the suspected Unauthorized Transaction or Other Error. If your Account is new (the

first transaction from your Account was less than 30 Business Days from the date you notify us), we

may take up to 20 Business Days to complete this investigation. If we need more time, we may take

up to 45 Days to complete our investigation (or up to 90 Days for new Accounts, or if your

transaction was at a point of sale where you were physically present, or a foreign initiated

transaction).

If we decide that we need more time to complete our investigation, we will provisionally credit your

Account for the amount of the suspected error. You will receive the provisional credit within 10

Business Days of the date we received your notice (or 20 Business Days for new Accounts). This

will allow you to have use of the money until we complete the investigation. We will notify you of

the provisional credit within 2 Business Days of the crediting. If we ask you to put your complaint

or question in writing and we do not receive it within 10 Business Days (or 20 Business Days for

new Accounts), we will not provisionally credit your Account.

 We will inform you of our decision within 3 Business Days after completing our investigation.

If we determine that there was an error, we will promptly credit the full amount of the error into

your Account within 1 Business Day of our determination. Or, if you have already received a

provisional credit, you will be allowed to retain those amounts.

If we decide that there was not an error, we will include an explanation of our decision in our email

to you. If you received a provisional credit, we will remove it from your Account and notify you of

the date and amount of the debit. You may request copies of the documents that we used in our

investigation.

12.4 PayPal Processing Errors. We will rectify any processing error that we discover. If the error results

in your receipt of less than the correct amount to which you are entitled, PayPal will credit your Account

for the difference. If the error results in your receipt of more than the correct amount to which you are

entitled, PayPal will debit the extra funds from your Account. If the error resulted in our not completing a

transaction on time or in the correct amount, we will be liable for your losses or damages directly caused

by this failure, unless: (a) through no fault of ours, you did not have enough available funds to complete

the transaction, (b) our system was not working properly and you knew about the breakdown when you

started the transaction, or (c) circumstances beyond our control (such as fire, flood or loss of Internet

connection) prevented the transaction, despite our reasonable precautions.

12.5 Protection for Remittance to Recipients with PayPal Accounts Outside of the United States

Protection for Remittance Transfer Errors.

When you send a Remittance Transfer and a Remittance Transfer Error occurs in your Account, you may

have the right to certain remedies, so long as you follow the procedures discussed below. A “Remittance

Transfer” must meet the following requirements:

1. A payment sent from a Personal Account where the sender is not a commercial entity and has not

accepted the Commercial Entity Agreement.

2. A payment sent to a recipient with an Account in a country outside of the US.

3. The sender sends the payment for personal, family or household purposes.

4. The payment sent is more than $15 USD or more than $15 USD equivalent (not including fees or

taxes charged to the sender) in the currency in which the transaction is funded.

5. Sender received a Remittance Receipt which states that they have up to 180 days to report a

Remittance Transfer Error.

6. The payment is sent later than 10.27.2013.

Payments that you make at a merchant website or location by selecting PayPal as a payment option are

not “Remittance Transfers.”

A “Remittance Transfer Error” occurs if:

1. You paid an incorrect amount to send the Remittance Transfer; for example, you were charged more

than the total shown on the Remittance Receipt you received.

2. PayPal made a computational or bookkeeping error, such as a miscalculation of the amount the

recipient received.

3. The amount stated in the Remittance Receipt was not made available to the recipient, unless:

a. we stated in the Remittance Receipt that we used estimates and the difference in the amount

received and the amount stated in the Remittance Receipt was a result of such estimation; or

b. the problem was caused by extraordinary circumstances outside our control.

4. Funds were available to the recipient later than the date of availability that was disclosed to you on

the Remittance Receipt or were not delivered, unless:

a. extraordinary circumstances outside our control caused the delay,

b. delays resulted from fraud screenings, or were caused by requirements of the Office of Foreign

Assets Controls or similar requirements.

c. you (or someone assisting you) made the transfer with fraudulent intent.

You can also request for certain documentation or information concerning the Remittance Transfer, such

as clarification required to determine if a Remittance Transfer Error occurred.

The scope of this section is limited to the Remittance Transfer Errors described above. For Unauthorized

Transactions and Other Errors, please see Section 12.1 to 12.4.

Notification Requirements.

1. To report one of the Remittance Transfer Errors listed above, you must notify PayPal within 180

Days of the funds availability date that was disclosed to you on the Remittance Receipt, You must

also request for any additional documentation related to a Remittance Transfer Error within these

180 Days.

2. Notify us of a Remittance Transfer Errors by doing one of the following:

a. Log In to your Account at paypal.com and go to the Resolution Center and dispute a

Transaction.

b. Write to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-

0950; or

c. Telephone PayPal Customer Service at (402) 935-7733.

3. When you notify us of a Remittance Transfer Error, you must provide us with the following

information:

a. Your name, and telephone number or email address registered to your Account;

b. Recipient’s name, and to the extent you know it: their telephone number, or address.

c. Transaction ID number or other information that enables us to identify the applicable

Remittance Transfer;

d. An explanation of why you think the error exists, including (to the extent possible) the type,

date and the amount of error.

PayPal Actions after Receipt of Your Notification.

Once you notify us of a Remittance Transfer Error, we will do the following:

1. Conduct an investigation to determine whether a Remittance Transfer Error has occurred.

2. Complete our investigation within 90 Days of the date we received your notice of the Remittance

Transfer Error and respond to you within 3 Business Days after we complete the investigation.

3. If you request additional documentation or information to determine if there was a Remittance

Transfer Error, you may report the Remittance Transfer Error within the later of 180 Days of the

date of availability disclosed on the Remittance Receipt or 60 Days after we provide you with the

documentation or information.

4. If we find that no Remittance Transfer Error has occurred, we will provide you with a written

explanation of the results of the investigation. In this case, you will have the right to request any

documentation we relied on to make our determination.

5. If we find that a Remittance Transfer Error has occurred, we will provide you with a list of available

remedies. You will have 10 Days to notify us of your preferred remedy via email. If you do not let

us know your preferred remedy within 10 Days after we notify you of the available remedies, we

will refund you the amount appropriate to resolve the error. The remedies available are as follows:

a. If we determine that you were charged more than what the Remittance Receipt stated, or there

was a computational or bookkeeping error, or the designated recipient did not receive the

amount stated on the Remittance Receipt, you will have the option of seeking a refund or a

redelivery of the amount appropriate to resolve the Remittance Transfer Error.

b. If we determine that the recipient received the funds later than the date of availability disclosed

on your Remittance Receipt, we will refund you any fees you paid to us for the transaction.

c. If we determine that the funds were not delivered, we will not only refund you any fees or

taxes you paid for the Remittance Transfer, but we will also provide you the option of a refund

or a redelivery of the amount appropriate to resolve the Remittance Transfer Error.

After you notify us about your preferred remedy or 10 Days after we have notified you of the available

remedies, whichever period is shorter, we will correct the Remittance Transfer Error within 1 Business

Day or as soon as reasonably practical.

13. Protection for Buyers.

13.1 Types of Problems Covered. PayPal Purchase Protection (also known as PayPal Buyer Protection)

helps you if you encounter either of these problems:

 You did not receive the item you paid for with PayPal – “Item Not Received” (INR), or

 You received an item you paid for with PayPal but it is “Significantly Not as Described” (SNAD)

(as described below)

If your problem is a transaction that you did not authorize, please use this form to report the unauthorized

transaction.

An item is “Significantly Not as Described” if it is materially different from what the Seller described in

the item listing. Here are some examples:

 You received a completely different item. For example, you purchased a book and received a DVD

or an empty box.

 The condition of the item was misrepresented. For example, the description when you bought the

item said “new” and the item was used.

 The item was advertised as authentic but is not authentic.

 The item is missing major parts or features which were not disclosed in its description when you

bought the item.

 You purchased three items from a Seller but only received two.

 The item was damaged during shipment.

An item is not Significantly Not as Described if it is materially similar to the Seller’s item listing

description. Here are some examples:

 The defect in the item was correctly described by the Seller.

 The item was properly described but you didn't want it after you received it.

 The item was properly described but did not meet your expectations.

 The item has minor scratches and was listed as used condition.

13.2 Eligibility Requirements.

To be eligible for PayPal Purchase Protection you must meet all of the following requirements:

 Have an Account in good standing.

 Pay for the eligible item from your Account.

 You must respond to PayPal's request for documentation and other information in a timely manner.

 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. For Pay After Delivery transactions

you must open your Dispute within 180 Days of the date of your transaction.

 You have not received a recovery related to such purchase from another source.

13.3 Ineligible Items. Payments for the following are not eligible for reimbursement under PayPal

Purchase Protection:

 Real estate, including residential property

 Businesses

 Vehicles, including motor vehicles, motorcycles, caravans, aircraft and boats

 Significantly Not As Described Claims for Custom-made items

 Payments on crowdfunding platforms

 Items prohibited by the PayPal Acceptable Use Policy

 For INR claims, items which you collect in person or arrange to be collected on your behalf,

including items bought through In-Store Checkout at the retail point of sale

 Industrial machinery used in manufacturing

 Anything purchased from, or an amount paid to, a government agency

 Stored value items such as gift cards and pre-paid cards.

 Gambling, gaming and/or any other activity with an entry fee and a prize.

 PayPal Direct Payments

 Virtual Terminal Payments

 Personal Payments

Even if your payment is not eligible for PayPal Purchase Protection, you can file a Dispute and try to

resolve the issue directly with the Seller; however, PayPal will generally not find in your favor if you

escalate a Dispute to a Claim for an item which is not eligible for PayPal Purchase Protection.

13.4 Coverage Amount. If you are eligible for PayPal Purchase Protection and PayPal finds in your

favor on your Claim, PayPal will reimburse you for the full purchase price of the item and original

shipping costs – with no cap on coverage.

PayPal will not reimburse you for the return shipping costs that you incur to return a Significantly Not As

Described item to the Seller or other party specified by PayPal. If the Seller presents evidence that they

delivered the goods to your address, PayPal may find in favor of the Seller for an Item Not Received

claim even if you did not receive the goods.

13.5 Dispute Resolution. If you are unable to resolve a problem directly with a Seller, you can go to

the Resolution Center and follow this process:

 Open a Dispute. Open a Dispute within 180 Days of the date you made the payment (or the date of

the transaction if using Pay After Delivery) for the item you would like to dispute to negotiate with

the Seller for resolution of the Dispute. We will place a hold on all funds related to the transaction in

the Seller's Account until the Dispute is resolved or closed.

 Escalate the Dispute to a Claim. If you and the Seller are unable to come to an agreement, you can

escalate the Dispute to a Claim within 20 Days after opening the Dispute.

You must wait at least 7 Days from the date of payment to escalate a Dispute for an Item

Not Received (INR) to a Claim. If you do not escalate the Dispute to a Claim within 20

Days, PayPal will close the Dispute.

 Respond to PayPal’s requests for information in a timely manner. During the Claim process,

PayPal may require you to provide documentation or other information. You may be asked

to provide receipts, third party evaluations, police reports, or anything else that PayPal

specifies.

 Comply with PayPal’s shipping requests in a timely manner. For Significantly Not as Described

(SNAD) Claims, PayPal may require you, at your expense, to ship the item back to the Seller,

PayPal, or a third party and to provide proof of delivery.

For transactions that total less than $750, proof of delivery is confirmation that can be viewed online

and includes the delivery address showing at least city/state or zip, delivery date, and the URL to the

shipping company’s website if you've selected “Other” in the shipping drop down menu. For

transactions that total $750 or more, you must get signature confirmation of delivery.

 Claim Resolution Process. Once a Dispute has been escalated to a Claim, PayPal will make a final

decision in favor of the buyer or the Seller. You may be asked to provide receipts, third party

evaluations, police reports, or anything else that PayPal specifies. PayPal retains full discretion to

make a final decision in favor of the buyer or the Seller based on any criteria PayPal deems

appropriate. In the event that PayPal makes a final decision in favor of the buyer or Seller, each

party must comply with PayPal’s decision. PayPal will generally require the buyer to ship an item

that the buyer claims is SNAD back to the Seller (at the buyer’s expense), and PayPal will generally

require a Seller to accept the item back and refund the buyer the full purchase price plus original

shipping costs. In the event a Seller loses a Claim, the Seller will not receive a refund on his or her

PayPal fees associated with the transaction. If you lose a SNAD Claim because the item you sold is

counterfeit, you will be required to provide a full refund to the buyer and you may not receive the

item back (it will be destroyed).

13.6 Digital Goods Micropayment Disputes and Claims. If you file a Dispute for a Digital Goods

purchase of up to the amounts in the table below, PayPal may, at our discretion, reverse the transaction

without requiring you to escalate the Dispute to a Claim.

Currency

Amount

Currency

Amount

Australian Dollar:

$9.99 AUD

New Zealand Dollar:

$9.99 NZD

Brazilian Real:

7.99 BRL

Norwegian Krone:

29.99 NOK

Canadian Dollar:

$3.99 CAD

Philippine Peso:

499.99 PHP

Czech Koruna:

99.99 CZK

Polish Zlotych:

19.99 PLN

Danish Krone:

24.99 DKK

Singapore Dollar:

$9.99 SGD

Euro:

€3.99 EUR

Swedish Krona:

34.99 SEK

Hong Kong Dollar:

$49.99 HKD

Swiss Franc:

4.99 CHF

Hungarian Forint:

999 HUF

Taiwan New Dollar:

240.00 TWD

Israeli Shekel:

15.99 ILS

Thai Baht:

249.99 THB

Japanese Yen:

¥999 JPY

U.K. Pounds Sterling:

£3.99 GBP

Mexican Peso:

$39.99 MXN

U.S. Dollar:

$3.99 USD

PayPal may limit the number of automatic reversals that you benefit from. If these are limited, you will

still be able to follow PayPal's standard dispute resolution processes described in this Section 13 to

attempt to resolve the issue with the Seller directly.

13.7 Relationship between PayPal’s protection programs and Chargebacks. Credit card Chargeback

rights, if they apply, are broader than PayPal’s protection programs. Chargebacks may cover

unsatisfactory items even if they do not qualify as SNAD, and may cover intangible items. You may

pursue a Dispute/Claim with PayPal, or you may contact your credit card company and pursue your

Chargeback rights. You may not pursue both at the same time or seek a double recovery. If you have an

open Dispute or Claim with PayPal, and you also file a Chargeback with your credit card company,

PayPal will close your Dispute or Claim, and you will have to rely solely on your Chargeback rights.

If PayPal does not make a final decision on your Claim until after your credit card issuer's deadline for

filing a Chargeback, and because of our delay you recover less than the full amount you would have been

entitled to recover from the credit card issuer, we will reimburse you for the remainder of your loss

(minus any amount you have already recovered from the Seller).

Before contacting your card issuer or filing a Dispute with PayPal, you should contact the Seller to

resolve your issue in accordance with the Seller’s return policy as stated on their auction or website.

14. Disputes with PayPal.

You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise

between us will be resolved in accordance with the provisions set forth in this Section (Section 14:

Disputes with PayPal). Please read this Section carefully. It affects your rights and will impact how

claims you and we have against each other are resolved.

14.1 Contact PayPal First. If a dispute arises between you and PayPal, our goal is to learn about and

address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral

and cost effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the

PayPal Services may be reported to Customer Service online through the PayPal Help Center at any

time, or by calling (402) 935-2050 from 7 AM to midnight, Central Time.

14.2 Applicable Law. You agree that, except to the extent inconsistent with or preempted by federal law

and except as otherwise stated in this User Agreement, the laws of the State of Delaware, without regard

to principles of conflict of laws, will govern this User Agreement and any claim or dispute that has arisen

or may arise between you and PayPal.

14.3 Agreement to Arbitrate. You and PayPal each agree that any and all disputes or claims that

have arisen or may arise between you and PayPal, including without limitation federal and state

statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or

any other legal theory, shall be resolved exclusively through final and binding arbitration, rather

than in court, except that you may assert claims in small claims court, if your claims qualify and so

long as the matter remains in such court and advances only on an individual (non-class, non-

representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. The

Federal Arbitration Act governs the interpretation and enforcement of this Agreement to

Arbitrate.

a. Prohibition of Class and Representative Actions and Non-Individualized Relief.

YOU AND PAYPAL AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE

OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS

MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR

PROCEEDING. UNLESS BOTH YOU AND PAYPAL AGREE OTHERWISE, THE

ARBITRATOR(S) MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S

OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A

CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE

ARBITRATOR(S) MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE,

AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY

SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF

NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF

AWARDED CANNOT AFFECT OTHER PAYPAL USERS.

b. Arbitration Procedures.

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or

arbitrators instead of a judge or jury, and court review of an arbitration award is very limited.

However, the arbitrator(s) can award the same damages and relief on an individual basis that a court

can award to an individual. The arbitrator(s) also must follow the terms of this User Agreement as a

court would. All issues are for the arbitrator(s) to decide, except that issues relating to arbitrability,

the scope or enforceability of this Agreement to Arbitrate, or the interpretation of subsection (a) of

this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-

Individualized Relief”), shall be for a court of competent jurisdiction to decide.

The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules

and procedures, including the AAA's Consumer Arbitration Rules (as applicable), as modified by

this Agreement to Arbitrate. The AAA's rules are available at www.adr.org. A party who intends to

seek arbitration must first send to the other, by certified mail, a completed form Notice of Dispute

(“Notice”). You may download a form Notice here. The Notice to PayPal should be sent to PayPal,

Inc., Attn: Litigation Department, Re: Notice of Dispute, 2211 North First Street, San Jose, CA

95131. PayPal will send any Notice to you to the physical address we have on file associated with

your PayPal Account; it is your responsibility to keep your physical address up to date. All

information called for in the Notice must be provided including a description of the nature and basis

of the claims the party is asserting and the relief sought.

If you and PayPal are unable to resolve the claims described in the Notice within 30 days after the

Notice is sent, you or PayPal may initiate arbitration proceedings. A form for initiating arbitration

proceedings is available on the AAA's website at www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed

location. If the value of the relief sought is $10,000 or less, you or PayPal may elect to have the

arbitration conducted by telephone or based solely on written submissions, which election shall be

binding on you and PayPal subject to the discretion of the arbitrator(s) to require an in-person

hearing, if the circumstances warrant. In cases where an in-person hearing is held, you and/or

PayPal may attend by telephone, unless the arbitrator(s) require otherwise. Any settlement offer

made by you or PayPal shall not be disclosed to the arbitrator(s).

The arbitrator(s) will decide the substance of all claims in accordance with applicable law, including

recognized principles of equity, and will honor all claims of privilege recognized by law. The

arbitrator(s) shall not be bound by rulings in prior arbitrations involving different PayPal users, but

is/are bound by rulings in prior arbitrations involving the same PayPal user to the extent required by

applicable law. The award of the arbitrator(s) shall be final and binding, and judgment on the award

rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

c. Costs of Arbitration.

Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules, unless

otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at

your request, PayPal will pay all filling, administration, and arbitrator fees associated with the

arbitration. Any request for payment of fees by PayPal should be submitted by mail to the AAA

along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary

fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to

demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of

accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much

of the filing, administration, and arbitrator fees as the arbitrator(s) deem necessary to prevent the

cost of accessing the arbitration from being prohibitive. In the event the arbitrator(s) determine the

claim(s) you assert in the arbitration to be frivolous, you agree to reimburse PayPal for all fees

associated with the arbitration paid by PayPal on your behalf that you otherwise would be obligated

to pay under the AAA's rules.

d. Severability.

With the exception of any of the provisions in subsection (a) of this Agreement to Arbitrate

("Prohibition of Class and Representative Actions and Non-Individualized Relief"), if a court

decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of

this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in

subsection (a) of this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and

Non-Individualized Relief") is invalid or unenforceable, then the entirety of this Agreement to

Arbitrate shall be null and void. The remainder of the User Agreement, including all other

provisions of Section 14 (Disputes with PayPal), will continue to apply.

e. Opt-Out Procedure.

IF YOU ARE A NEW PAYPAL USER, YOU CAN CHOOSE TO REJECT THIS AGREEMENT

TO ARBITRATE (“OPT OUT”) BY MAILING US A WRITTEN OPT-OUT NOTICE (“OPT-

OUT NOTICE”). THE OPT-OUT NOTICE MUST BE POSTMARKED NO LATER THAN 30

DAYS AFTER THE DATE YOU ACCEPT THE USER AGREEMENT FOR THE FIRST TIME.

YOU MUST MAIL THE OPT-OUT NOTICE TO PAYPAL, INC., ATTN: LITIGATION

DEPARTMENT, 2211 NORTH FIRST STREET, SAN JOSE, CA 95131.

For your convenience, we are providing an Opt-Out Notice form you must complete and mail to

opt out of the Agreement to Arbitrate. You must complete the Opt-Out Notice form by providing the

information called for in the form, including your name, address, phone number, and the email

address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the

Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the

Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the User

Agreement, including all other provisions of Section 14 (Disputes with PayPal), will continue to

apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future

arbitration agreements that you may have with us.

f. Future Amendments to the Agreement to Arbitrate.

Notwithstanding any provision in the User Agreement to the contrary, you and we agree that if we

make any amendment to this Agreement to Arbitrate (other than an amendment to any notice

address or website link provided herein) in the future, that amendment shall not apply to any claim

that was filed in a legal proceeding against PayPal prior to the effective date of the amendment. The

amendment shall apply to all other disputes or claims governed by the Agreement to Arbitrate that

have arisen or may arise between you and PayPal. We will notify you of amendments to this

Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before

the effective date of the amendments and by providing notice through email. If you do not agree to

these amended terms, you may close your account within the 30 day period and you will not be

bound by the amended terms.

14.4 Insolvency Proceedings. If any proceeding by or against you is commenced under any provision of

the United States Bankruptcy Code, as amended, or under any other bankruptcy or insolvency law, PayPal

will be entitled to recover all reasonable costs or expenses (including reasonable attorneys' fees and

expenses) incurred in connection with the enforcement of this Agreement.

14.5 No Waiver. Our failure to act with respect to a breach by you or others does not waive our right to

act with respect to subsequent or similar breaches.

14.6 Indemnification. You agree to defend, indemnify and hold PayPal, our parent, Affiliates and the

officers, directors, agents, joint venturers, employees and suppliers of PayPal, our parent, or our

Affiliates, harmless from any claim or demand (including attorneys’ fees) made or incurred by any third

party due to or arising out of your breach of this Agreement, your improper use of the PayPal Services,

and/or your violation of any law or the rights of a third party.

14.7 Assumption of Rights. If PayPal pays out a Claim, Reversal or Chargeback that you file against a

recipient of your payment, 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.

14.8 Release of PayPal. If you have a dispute with one or more Users, you release PayPal (and our

parent, our Affiliates, and our and their respective officers, directors, agents, joint ventures, employees

and suppliers) 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 (whether statutory or otherwise – e.g., California

Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims

which you may know or suspect to exist in your favor at the time of agreeing to this release.

14.9 State Agencies. In addition to reporting complaints against PayPal directly to PayPal as described

above, if you are a California resident, you may report complaints to the California Department of

Financial Institutions at its toll-free telephone number, 1-800-622-0620, by e-mail at

consumer.com[email protected]ov, or by mail at Department of Financial Institutions, Consumer Services,

1810 13th Street, Sacramento, CA 95811. Florida residents may contact the Florida Department of

Financial Services in writing at 200 East Gaines Street, Tallahassee, Florida, 32399, or by telephone at 1-

800-342-2762. If you are a California resident, you have a right to receive the information listed in

Section 1.7 (Notices to You) by email. To make such a request, send a letter to PayPal at the address

listed in Section 1.8 (Notices to PayPal), include your email address, and request the information

provided in Section 1.7.

15. General Provisions.

15.1 Limitations of Liability. IN NO EVENT SHALL WE, OUR PARENT AND AFFILIATES, AND

THE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS OF

PAYPAL, OUR PARENT OR OUR AFFILIATES 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 WEBSITE, THE PAYPAL SERVICES, OR THIS AGREEMENT

(HOWEVER ARISING, INCLUDING NEGLIGENCE), UNLESS AND TO THE EXTENT

PROHIBITED BY LAW. OUR LIABILITY, AND THE LIABILITY OF OUR PARENT AND

AFFILIATES, AND OUR AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT

VENTURERS, EMPLOYEES AND SUPPLIERS, 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, OUR PARENT,

AND AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT

VENTURERS, EMPLOYEES, AND SUPPLIERS ARE NOT LIABLE, AND YOU AGREE NOT TO

HOLD THESE PARTIES RESPONSIBLE, FOR ANY DAMAGES OR LOSSES (INCLUDING, BUT

NOT LIMITED TO, LOSS OF MONEY, 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 PAYPAL’S SITES AND SERVICES; (2) DELAYS OR DISRUPTIONS IN PAYPAL’S SITES

AND SERVICES; (3) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY

ACCESSING PAYPAL’S SITES OR SERVICES OR ANY SITE OR SERVICE LINKED TO

PAYPAL’S SITES OR SERVICES; (4) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY

KIND IN PAYPAL’S SITES OR 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 ACCOUNT; (7)

YOUR NEED TO MODIFY 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. PAYPAL RESERVES THE RIGHT TO MODIFY ITS POLICIES AND THIS

USER AGREEMENT AT ANY TIME CONSISTENT WITH THE PROVISIONS OUTLINED

HEREIN.

15.2 No Warranty. THE PAYPAL SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY

REPRESENTATION OF WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY.

PAYPAL, OUR PARENT AND AFFILIATES, AND THE OFFICERS, DIRECTORS, AGENTS, JOINT

VENTURERS, EMPLOYEES AND SUPPLIERS OF PAYPAL, OUR PARENT OR OUR

AFFILIATES, SPECIFICALLY DISCLAIM 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 that are paid for with the PayPal Services

and PayPal cannot ensure that a buyer or a Seller you are dealing with will actually complete the

transaction or is authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access

to any part of the PayPal Services, and operation of our site 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, 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 the U.S. or international mail service. Certain PayPal Services may not be

available to you based on residency, geographic location or other eligibility criteria. Some states do not

allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you. This

paragraph gives you specific legal rights and you may also have other legal rights that vary from state to

state.

15.3 PayPal Shopping. PayPal Shopping is part of the PayPal website that features Merchants' offers and

enables product search. PayPal does not warrant that product descriptions, pricing, search results, User

ratings and reviews or any other content on PayPal Shopping is accurate, complete, reliable or current.

PayPal Shopping is provided for informational purposes only and does not constitute an endorsement by

PayPal of any product, service or Merchant.

15.4 License Grant. If you are using PayPal software such as an API, developer's toolkit or other

software application that you have downloaded to your computer, device, or other platform, then PayPal

grants you a revocable, non-exclusive, non-transferable license to use PayPal's software in accordance

with the documentation. This license grant includes the software and all updates, upgrades, new versions

and replacement software for your personal use only. You may not rent, lease or otherwise transfer your

rights in the software to a third party. You must comply with the implementation and use requirements

contained in all PayPal documentation accompanying the PayPal Services. If you do not comply with

PayPal’s implementation and use requirements you will be liable for all resulting damages suffered by

you, PayPal and third parties. PayPal may change or discontinue any APIs upon notice to you. You agree

not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble,

decompile or otherwise attempt to create any source code that is derived from the software. You

acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal. Any third party

software application you use on the PayPal website is subject to the license you agreed to with the third

party that provides you with this software. PayPal does not own, control nor have any responsibility or

liability for any third party software application you elect to use on the PayPal website and/or in

connection with the PayPal Services. If you are using the PayPal Services on the PayPal website, or other

website or platform hosted by PayPal, or a third party, and are not downloading PayPal’s software or

using third party software applications on the PayPal website, then this section does not apply to your use

of the hosted PayPal Services.

15.5 License Grant from You to PayPal; IP Warranties. Subject to section 15.6, when providing

PayPal with content or posting content using PayPal Services, you grant us a non-exclusive, worldwide,

perpetual, irrevocable, royalty-free, transferable, and 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 PayPal,

its sublicensees or its assignees. You represent and warrant that none of the following infringe any

intellectual property or publicity right: your provision of content to PayPal, your posting of content using

the PayPal Services, and PayPal’s use of such content (including of works derived from it) in connection

with the PayPal Services.”

15.6 License Grant from Merchants to PayPal. Section 15.5 notwithstanding, if you are a Merchant

using PayPal Merchant services, you hereby grant us a worldwide, non-exclusive, transferable,

sublicensable (through multiple tiers), and royalty-free right to use and display publicly, during the term

of this 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.

15.7 Complete Agreement. This Agreement, along with any applicable policies and agreements on

the Legal Agreements page on the PayPal website, sets forth the entire understanding between you and

PayPal with respect to the PayPal Services. Sections 1 (Our Relationship with You), 7 (Closing Your

Account), 8 (Fees), 10 (Your Liability - Actions We May Take), 14 (Disputes with PayPal), 15 (General

Provisions), and 16 (Definitions), as well as any other terms which by their nature should survive, will

survive the termination of this Agreement. Unless stated otherwise in this Agreement, if any provision of

this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining

provisions shall be enforced.

15.8 Translated Agreement. Any translation of this Agreement is provided solely for your convenience

and is not intended to modify the terms of this Agreement. In the event of a conflict between the English

version of this Agreement and a version in a language other than English, the English version shall apply.

16. Definitions.

"ACH" means the Automated Clearing House network.

"Account" means a Personal or Business PayPal account.

"Account Profile" means the location on our website where you can, after logging in, view and manage

your profile, including your personal information, Payment Method details, preapproved payment

authorizations, your selling tools, and your Account settings including your notification preferences and

API Access permissions.

"Add Money" means your ability to add money into your Account through a PayPal hosted flow (and

not from a third party website).

"Affiliate" or "Affiliated Company" are companies that are direct or indirect subsidiaries of PayPal,

Inc., PayPal Holdings, Inc. or are otherwise related to PayPal through common ownership or control.

"Agreement" means this user agreement including all subsequent amendments.

"Authorize" or "Authorization" means a buyer's express authorization to a Merchant to collect a

payment from the buyer's Account.

"Balance" means any amount of funds that you have in your Account, which could be a negative amount

if buyers have initiated chargebacks against your Account or if you otherwise owe PayPal money. The

terms "money" and "funds" are used interchangeably in this Agreement. A PayPal balance represents an

unsecured claim against PayPal and is not insured by the FDIC.

"Business Account" means an Account that is established primarily for business purposes and not for

personal, family, or household purposes.

"Business Days" means Monday through Friday, excluding Holidays.

"Commercial Entity Agreement" means the agreement that commercial entities are required to enter

into directly with PayPal's payment processor(s).

"Communications" means any Account, PayPal Funds account, or transaction information that PayPal

provides to you, including: any agreements and policies you agree to, including updates to these

agreements or policies; annual disclosures, including prospectuses and reports for PayPal Funds;

transaction receipts or confirmations; Account statements and history; and federal and state tax statements

we are required to make available to you.

"Chargeback" means a request that a buyer files directly with his or her debit or credit card company or

debit or credit card issuing bank to invalidate a payment.

"Claim" means a challenge to a payment that a User files directly with PayPal in the Online Resolution

Center pursuant to Section 13 (Protection for Buyers) of this Agreement.

"Closed Loop" gift card means branded stored value or branded prepaid physical or digital card, or other

electronic or digital debit payment mechanism, electronic promise, number, or payment code providing

prepaid access to funds or the value of funds that can be used only for goods or services in transactions

involving a defined merchant or location (or set of locations), such as a specific retailer or retail chain, a

college campus or a subway system.

"Confirmed Address" means an address that has been reviewed by PayPal and found highly likely to be

that of the User to which it is associated.

"Customer Service" is PayPal's customer support which can be accessed online through the PayPal

Help Center at any time, or by calling (402) 935-2050 from 7 AM to midnight Central Time.

"Days" means calendar days.

"Default Payment Methods" means the order in which PayPal uses your Payment Methods to fund a

transaction if you do not select a Preferred Payment Method.

"Digital Goods" means goods that are delivered and used in an electronic format.

"Dispute" means a dispute filed by a User directly with PayPal in the Online Resolution

Center pursuant to Section 13 of this Agreement.

"eBay" means eBay Inc.

"eCheck" means a payment funded using a sender's bank account Payment Method that is held pending

and not received by the recipient until it clears. When you send money using eCheck it will usually be

held pending for 3-4 Business Days. The amount of time that it is held pending will increase if the

payment is sent from a bank account outside the United States.

"Fees" means those amounts stated in Section 8 (Fees) of this Agreement.

"Holidays" means New Year's Day (January 1), Birthday of Martin Luther King, Jr. (the third Monday in

January), Washington's Birthday (the third Monday in February), Memorial Day (the last Monday in

May), Independence Day (July 4), Labor Day (the first Monday in September), Columbus Day (the

second Monday in October), Veterans Day (November 11), Thanksgiving Day (the fourth Thursday in

November) and Christmas Day (December 25).If a Holiday falls on a Saturday, PayPal shall observe the

Holiday on the prior Friday. If the Holiday falls on a Sunday, PayPal shall observe the Holiday on the

following Monday.

"In-Store Checkout" means the use of PayPal for a transaction that occurs in a Seller’s physical

location, rather than online, using an access device authorized by us (such as the PayPal Payment Card, a

supported mobile device loaded with the current version of the PayPal mobile application, or a confirmed

mobile phone number). In-Store Checkout definition includes Mobile In-Store Payments.

"Information" means any confidential and/or personally identifiable information or other information

related to an Account or User, including but not limited to the following: name, email address, date of

birth, tax identification number, billing/shipping address, phone number and financial information.

"Instant Transfer" means a payment funded using the sender's bank account Payment Method in which

PayPal credits the recipient instantly.

“Item Not Received” means a challenge to a payment from a User claiming that the item purchased was

not received.

"Mass Payments" means the ability to send multiple payments at the same time.

"Merchant" and “Seller” are used interchangeably and mean a User who is selling goods and/or

services and using the PayPal Services to receive payment.

"Merchant Processing Delay" means a delay between the time you Authorize a payment and the time

the Merchant processes your payment.

“Merchant Specific Promotional Balance” is a separate Balance in your PayPal Account that is funded

by either PayPal or a Merchant, that can only be used at a specific Merchant, and that may expire after a

specified period of time.

"Micropayments for Digital Goods" means the PayPal Service offered to certain qualifying Merchants

who sell Digital Goods which, among other things, offers micropayments pricing and integrated website

tools. All Micropayments for Digital Goods are Purchase Payments.

“Mobile In-Store Payments” means using the PayPal mobile application to pay with PayPal based on

the sender’s proximity to the recipient’s location. Mobile In-Store Payments may include Payment Code

payments and NFC payments.

"No Log-In Payment" means a PayPal payment that is made to a User without the sender having to log

into his/her Account.

"Other Errors" has the definition provided in Section 12 (Resolution Procedures for Unauthorized

Transactions and Other Errors) of this Agreement.

"Pay After Delivery" or "PAD" means the PayPal Pay After Delivery service described in Section 3.15.

"Payment Code" means a code generated by PayPal on a mobile device that can be used by a buyer to

pay by scanning or key-entering the value at a Merchant physical location. A Payment Code may be valid

for a limited duration for one or more transactions in one or more Merchant locations.

"Payment Review" means the process described in Section 4 (Receiving Money) of this Agreement.

"Payment Method" means the payment method used to fund a transaction. The following payment

methods may be used to fund a transaction: Balance, Instant Transfer, eCheck, PayPal Credit, PayPal

Cards, credit card, debit card and Redemption Codes. You may also select to remove a Payment Method

from your Account.

"PayPal," "we," "us" or "our" means PayPal, Inc. and its subsidiaries and affiliates related through

common ownership or control or an agent acting on their behalf.

"PayPal Business Payments" means payments made through certain third parties' products or services

where the sender must fund their payment exclusively using either (or both) their Balance or eCheck and

for which the PayPal Business Payment Fee applies. The PayPal Business Payment Fee is currently being

offered as a pilot and only through third parties' products or services (not by PayPal directly) in limited

product lines.

"PayPal Cards" means PayPal Smart Connect (formerly PayPal Buyer Credit), PayPal Extras

MasterCard (formerly the PayPal Plus Card), eBay MasterCard.

"PayPal Credit" means the payment system serviced by Bill Me Later, Inc., which allows consumers to

pay for purchases by using a revolving line of credit issued by a third-party chartered financial institution.

"PayPal Debit Card" means a PayPal branded debit card, which may be accepted anywhere that accepts

MasterCard or Discover, depending on the card network affiliation displayed on the card.

"PayPal Direct Payment" means a payment processed by PayPal that is funded directly by a credit or

debit card and not through an Account, such as payments made through PayPal Payments Advanced and

PayPal Payments Pro, but excluding payments made using guest checkout.

"PayPal Mobile" means a PayPal Service that allows you to send and receive payments through your

mobile phone.

"PayPal Payment Card" means a PayPal payment card provided to you by PayPal for use with In-Store

Checkout, including the PayPal Anywhere Card.

"PayPal Purchase Protection" (also known as PayPal Buyer Protection) means the protection program

PayPal offers Buyers as described in Section 13 (PayPal Purchase Protection) of this Agreement.

"PayPal Services" means all our products and services and any other features, technologies and/or

functionalities offered by us on our website or through any other means.

"Personal Account" means an Account established primarily for personal, family, or household

purposes.

"Personal Payment" means amounts sent between two individuals (not to or from a business) without a

purchase. Examples of Personal Payments include sending a gift to a friend or paying a friend back for

your share of a lunch bill.

"Policy" or "Policies" means any Policy or other agreement between you and PayPal that you entered

into on the PayPal website or in connection with your use of the PayPal Services.

"Preapproved Payment" means a payment in which the recipient is provided advance Authorization to

debit the sender’s Account directly on a one-time, regular, or sporadic basis in accordance with the

recipient’s agreement with the sender. Preapproved Payments are sometimes called "subscriptions",

"automatic payments", "automatic billing" or "recurring payments."

"Preferred Payment Method" (also called "Backup Payment Method") means a Payment Method that

you select to fund a payment instead of using the Default Payment Methods.

"Purchase Payment" means a payment received for any of the following:

 A payment for the sale of goods or services;

 A payment you received after using the “Request Money” function on the PayPal website;

 A payment you received for a donation;

 A Micropayment for Digital Goods; or

 A payment that is sent to, or received by, a business or other commercial or non-profit entity.

A PayPal Business Payment is not a Purchase Payment even if it meets any of the descriptions above.

"Redemption Code" means the sequence of letters, numbers, and/or symbols placed on gift certificates,

promotional coupons or other promotional offers and used to obtain a benefit.

"Remittance Receipt" means the receipt that is displayed on the screen and/or emailed to the sender

after the sender submits the payment for the remittance.

"Remittance Transfer" has the definition provided in Section 12 (Protections for Remittances to

Recipients with PayPal Accounts Outside of the United States) of this Agreement.

"Reserve" means a percentage of the funds received into your Account that we hold in order to protect

against the risk of Reversals, Chargebacks, Claims or any other liability related to your Account and/or

use of the PayPal Services.

"Restricted Activities" means those activities described in Section 9 (Restricted Activities) of this

Agreement.

"Reversal" means PayPal reverses a payment you received because (a) it is invalidated by the sender's

bank, (b) it was sent to you in error by PayPal, its parent, or Affiliates, (c) the sender of the payment did

not have authorization to send the payment (for example: the sender used a credit card that did not belong

to the sender), (d) you received the payment for activities that violated this Agreement, the PayPal

Acceptable Use Policy, or any other PayPal agreement, or (e) PayPal decided a Claim against you.

"Seller" and "Merchant" are used interchangeably and mean a User who is selling goods and/or

services and using the PayPal Services to receive payment.

"Send Money" means your ability to send money though the PayPal Services including in connection

with a purchase of goods or services or as a Personal Payment.

"Significantly Not as Described" has the definition provided in Section 13 (Protection for Buyers) of

this Agreement.

"Substantial Change" means a change to the terms of this Agreement that reduces your rights or

increases your responsibilities.

"Transaction Details Page" means the page on the PayPal website titled "Transaction Details" that

displays information about the transaction. This page is accessible from the individual transaction in your

Accounton the PayPal website.

"Verified Account" means an Account status that reflects that PayPal is reasonably sure that an Account

holder has legal control of one or more of his or her Payment Methods. This verification may take place

by way of a random deposit(s) of less than one dollar ($1.00) by PayPal to the User's bank account. In the

case of such random deposit, PayPal will retrieve (debit) the deposited amount from the User's bank

account soon afterwards. A Verified Account status does not constitute an endorsement of a User or a

guarantee of a User's business practices.

"Virtual Terminal Payment" means a payment processed by PayPal through the Virtual Terminal flows

that is funded directly by a Card and not through an Account.

“Unauthorized Transaction” has the definition provided in Section 12 (Resolution Procedures for

Unauthorized Transactions and Other Errors) of this Agreement.

"User" means any person or entity using the PayPal Services including you.

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