YouSellCars Terms and Conditions

POLICY SUMMARY

App and Website entry is conditional to the following Terms and Conditions

When uploading onto the app/mobile application and when entering the Website or utilizing, you will be considered to have accepted all the terms and conditions that apply to its utilization, information disclosed on the website and the offerings and services extended by it. Please ensure to read through these terms and conditions prior to use of this application and Website. If you disagree or objection to these terms and conditions, please stop using the website and App immediately.

We reserve the right to change and/or edit these terms and conditions at any given time and it is your responsibility to observe if any changes have occurred. Personal use of the website or App after amendments are posted on-line will serve as acceptance of the amendments, accordingly, based on the changes to the terms and conditions.

Regarding these Terms and Conditions

"we/us/our" means Rayvent Enterprise (Pty) Ltd  trading as “YouSellCars”, a private company in South Africa with limited liability.

"website" refers to this website including all offerings and services and the mobile application/app.

"you"/"your" is the responsible person and/or user of the App and website, including users who are registered with YouSellCars.


App and Website Entry

Entry to the App and Website is officially on a temporary base and we hold the right to retract or amend the offering provided on the website without any prior notice. In certain circumstances, we may withdraw access to certain parts of the website or even the entire website, to you as the user. We will not be held liable for any reason, if our website is offline during any time and/or period or if the App is down.

Content

The website and App content and its information contained within, may include technical inaccuracies as well as typing/verbal errors. We deny all liability for any illegality or loss or damage sustained due to such inaccuracies and typing/verbal errors.

 

The body of information disclosed on the website may be changed, amended or even updated at certain times as well as be outdated at times. We will not be held accountable to any previous and/or outdated representations, terms and conditions and/or other information changed on the website. We do not accept responsibility for updating the information and/or content on the website current, and we do not accept any liability for any fault of not doing so.

The information shown on the website is for informational purposes and is not to be understood as advice. You should not at any time, depend and/or us any information or content as part of a decision-making process or final decision.

Across the website, advertorial content and information is shown and entered by private and trade users, as well as third parties. We deny all liability for any illegality based on error, lack of admission/inaccuracy in such information and/or content.

We do not supply warranties, conditions, guarantees and/or representations, expressed or implied, as to the following:

The completeness and/or accuracy of information or any advice that may be contained on the website or any website which it may be linked too.  The details of the advertisements for the vehicles appearing on the website, including the ownership, quality, legitimacy of any photographs and all compliances for any vehicles.  The results of any vehicle search processed on the website or vehicles revealed by a search on the App are the only vehicles listed on our database, which may meet the requirements of your search.

 

Contractual Issues

We will not be held to any accusations from you and/or the user that a contract or legally binding arrangement has been agreed between you and us, stemming from communications addressed to us via the website. We hold the right to insist on written contracts when we find appropriate based on our own discretion. Any information shown on the website may not be regarded by you and/or the user as an offer capable of acceptance therefore allowing a legally binding contract.

Liability

 

The displayed content and material shown on the website is offered without any guarantees, conditions or warranties as to its legitimacy. As permitted by law, we (YouSellCars), our employees, agents/dealers, representatives, and third parties connected to us exclude:

  1. All conditions, warranties and other terms which may otherwise be demanded by statute;
  2. Liability for any direct and/or indirect or consequential losses and/or damages incurred by you/the user in connection with:
  1. Failure to fulfil any obligations in terms hereof
  2. Website or resulting from the use, the ability to not use, the website or App
  3. Search results shown from the website or App
  4. Websites linked to our Website regardless of any material posted on it.

We exclude any representations and warranties related to the access and use of our website, regardless as to whether they are statutory or not.

We will carry out maintenance and servicing to our servers and equipment when required. While our objective will remain to keep disruption to a minimum, we will not guarantee that the website and App will be seamlessly available online.

No guarantee is promised that the website is free of viruses and/or any other forms of malicious or malware computer programs. Responsibility falls on the user to ensure the correct anti-virus software’s and checks have been carried out.

We will not be held liable for failure to perform any obligations under these terms and conditions caused by happenings outside of our control.

Content is published on our website during certain time periods, containing marketing material, expansive research findings, surveys, statistical data and various other information on our product and industry.


Intellectual Property (IP)

All intellectual property including our trade marks, names and logos, embodied in the website information or App, are our proprietary marks. Marks identifying third parties are owned or licensed by those third parties and/or their associated companies.

All rights, including copyright, in the information show on the website and the taken photographs of any vehicles advertised on the website during certain time periods and all rights in our database of vehicles, are owned and/or controlled by us.

You may not copy, reproduce, redistribute, download, republish, transmit, display, adapt, alter, create derivative works from or extract, by way of “scraping” or re-utilise any of the contents of the website or authorise any person, or procure any other person to do so. You may not cache any of the contents for access by third parties or even mirror or frame any of the information of the website nor incorporate it into another website or authorise or procure any other person to do so, without our written permission.

Any intellectual property disclosed in the information provided by an advertiser and utilised on the Website is hereby assigned to us only.

 

Links to Other Websites

 

Our Website contains hypertext links to other independent websites not controlled by us. We are not responsible for their content or doings. Our inclusion in the App or in the Website of hypertext links to such websites does not exhibit any endorsement of the material and/or information contained on the websites or of the owners.

 

Links to the Website

You can establish a hypertext link to the home page of the website.

Registration Details

To gain access to services on our website or App you will be required to complete the registration process (free of charge). Part of the registration process supplies you with a username and password. You will need to agree that the information supplied with your registration process is accurate and in full detail.

Additionally, you agree that you will not register in the name or clone of any other individual, company or organisation and that you will not adopt any username which we deem to be offensive. All information supplied by you during the registration process will be protected and used in alignment with the terms of our Privacy Policy.

Security

We reserve the right to implement criminal proceedings against you, should you have attempted to maliciously utilise the website or App by gaining unauthorised access to any page and/or area on the website or by executing or attempting to execute any unauthorised or malicious code to the website.

General

We reserve the right to assign or subcontract any and all our rights and obligations under these terms and conditions to a third party.

You are not allowed, without our written consent, to assign or dispose of any rights or obligations surfacing under these terms and conditions. We are entitled to revise these terms and conditions at any time by amending this page. You are expected to check this page routinely and pay attention to any changes made by us, as they are binding on you. Some allocations contained in these terms and conditions could also be superseded and/or amended by provisions or notices published on the Website.

If any of the provisions of the terms and conditions shall be held to be invalid or unenforceable, it will not affect the enforceability of any of the remaining provisions mentioned.

These terms and conditions together with our privacy policy contain the entire agreement and understanding between you and us (YouSellCars) relating to the website, its content and supersede any and all prior existing agreements, arrangements, statements and understandings, except for any fraud or fraudulent representation by either your or us.

The laws of South Africa will apply in regard of any legal issue or litigation arising directly or indirectly from the terms and conditions, the use or inability to use the website and/or information shown on the Website.

Communication/Data

By using the website (directly or indirectly and without necessarily registering thereon as provided for in paragraph 8 above) and providing us with your details you agree to us and/or our authorized dealers and/or agents:

  1. Using your information for communication purposes regarding matters which we believe might be of interest and/or relevant to you.
  2. Keeping your information in our database for future reference and matters of interest.
  3. Using your information for statistical and data purposes.

EC Act Disclosures

Access to the website is deemed a form of “electronic transaction” by terms of the Electronic Communications and Transactions Act 25 of 2002 (ECT Act) and you are entitled to the below mentioned disclosures in terms of Chapter 7 of the ECT Act:

  1. Our full name and legal status: Rayvent Enterprises (Pty) Ltd t/a YouSellCars
  2. Street address: Fish Hoek, Western Cape
  3. Postal address: Fish Hoek, Western Cape
  4. Physical address for receipt of legal service: Valeyland Centre, Fish Hoek, Western Cape
  5. Main Business: New and used car sales marketplace.
  6. Website address: http://www.yousellcars.com
  7. Official email address: raymond@chatfind.com 
  8. Governing terms of use: These terms including our Privacy Policy
  9. Manual in terms of the Promotion of Access to Information Act 2 of 2000: See Website
  10. Management: The executive committee of Rayvent Enterprises (Pty) Ltd t/a YouSellCars as determined from time to time 
  11. Costs associated with the access to and use of the service: No cost associated with accessing the service
  12. Dispute resolution: No specific dispute resolution process
  13. Complaints process: If you have any complaints or would like more information please email raymond@chatfind.com 

 

YouSellCars and Chat Find Limited – Terms and Conditions and Privacy Policy

YouSellCars operates their mobile app software and consequential website through a licence agreement with Chat Find Limited.  You are therefore obliged to accept all Chat Find Limited attached Terms and Conditions and Privacy Policy.

Privacy Policy of Chat Find

This Application collects some Personal Data from its Users.

Policy summary

Personal Data collected for the following purposes and using the following services:

    • Access to third party services' accounts
      • Access to the Facebook account
        Permissions: About Me; Chat; Contact email; Current City; Email; List of Friends
    •  
    • Analytics
      • Google Analytics
        Personal Data: Cookies; Usage Data
    •  
    • Contacting the User
      • Mailing List or Newsletter and Contact form
        Personal Data: email address; first name; last name
      • Phone contact
        Personal Data: phone number
    •  
    • Displaying content from external platforms
      • Google Maps widget
        Personal Data: Cookies; Usage Data
    •  
    • Hosting and backend infrastructure
      • Amazon Web Services (AWS) and Microsoft Azure
        Personal Data: various types of Data as specified in the privacy policy of the service
    •  
    • Infrastructure monitoring
      • Crashlytics
        Personal Data: geographic position; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example); various types of Data as specified in the privacy policy of the service
    •  
    • Location-based interactions
      • Geolocation and Non-continuous geolocation
        Personal Data: geographic position
    •  
    • Registration and authentication
      • Facebook Authentication
        Personal Data: various types of Data as specified in the privacy policy of the service
      • Direct registration
        Personal Data: email address; first name; last name
    •  
    • Social features
      • Inviting and suggesting friends
        Personal Data: Various types of Data
      • Public profile
        Personal Data: address; city; company name; country; email address; first name; geographic position; last name; picture
    •  

Further information about Personal Data

    • Prohibited Uses
      You may use Chat Find only for lawful purposes. You may not use Chat Find:

      In any way that breaches any applicable local, national or international law or regulation.
      In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
      To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
      To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar request (commonly known as ‘spam’).
      To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

    • Content Standard
      You will not post photos or other content that are discriminatory, violent,nude, partially nude, unlawful, pornographic, sexually related, infringing or hateful via the Service.

    • Basic Terms
      As a user when you access or use Chat Find you, you agree to be held accountable by these “Terms of Use.” 

      The Terms of Use policy will impact your legal rights and obligations. Do not access or use Viral Vote if you do not wish to adhere to Chat Find’s Terms of Use. 

      1. Not for the use of individuals under the age of 13 years old. 

      2. There is to be no creation or submissions of unwanted comments, likes, emails or alternative forms of 
      harassing or commercial communications (ie. Spam) to any Chat Find User.

      3. We reserve the rights to decline access to Chat Find from anyone at any time for any reason.

      4. We reserve the right, in our sole discretion, to change this Privacy Policy ("Updated Policy") from time 
      to time. Unless we make a change for legal or administrative reasons, we will provide reasonable
      advance notice before the Updated Terms become effective. You agree that we may notify you of the
      Updated Terms by posting them on the Service, and that your use of the Service after the effective 
      date of the Updated Terms (or engaging in such other conduct as we may reasonably specify) 
      constitutes your agreement to the Updated Terms. Therefore, you should review these Terms of Use
      and any Updated Terms before using the Service. The Updated Terms will be effective as of the time
      of posting, or such later date as may be specified in the Updated Terms, and will apply to your use of
      the Service from that point forward. These Terms of Use will govern any disputes arising before the
      effective date of the Updated Terms.

      5. We reserve the right to force forfeiture of any username for any reason.

      6. We may, but have no obligation to, remove, edit, block, and/or monitor Content or accounts
      containing Content that we determine in our sole discretion violates this Privacy Policy.

      7. You are solely responsible for your interaction with other users of the Service, whether online or
      offline. You agree that Instagram is not responsible or liable for the conduct of any user. Viral Vote
      reserves the right, but has no obligation, to monitor or become involved in disputes between you and
      other users. Exercise common sense and your best judgment when interacting with others, including
      when you submit or post Content or any personal or other information.

      8. Your correspondence and business dealings with third parties found through the service is solely
      between you and the third party. 

      9. You agree that you are responsible for all data charges you incur through use of the Service

      10. Chat Find does not claim ownership of any Content that you post on or through the Service. Instead,
      you hereby grant to Chat Find,it's partners and holding company a non-exclusive, fully paid and
      royalty-free, transferable, sub-licensable, worldwide license to use the Content that you post on or
      through the Service, subject to the Service's Privacy Policy,

    • User Agreement for PayPal Services - Part 1
      YOU AGREE THAT THIS USER AGREEMENT WILL BE EFFECTIVE AS TO ALL USERS ON JUNE 25, 2016

      This Agreement is a contract between you and PayPal Pte. Ltd., a Singaporean company, 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 and the Acceptable Use Policy. You should read all of these terms carefully.

      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. If the revised version includes a Substantial Change, we will provide you with 30 Days' prior notice of any Substantial Change by posting a notice on the "Policy Updates" page of our website. All future changes set out in the Policy Update already published on the “Legal Agreements” page of the PayPal website at the time you register for the PayPal Services are incorporated by reference into this Agreement and will take effect as specified in that Policy Update.

      Consumer advisory - The PayPal payment service is regarded as a stored value facility under Singapore law. PayPal Pte. Ltd., the holder of the PayPal stored value facility, does not require the approval of the Monetary Authority of Singapore. Consumers (Users) are advised to read these terms and conditions carefully.

      This is an important document which you must consider carefully when choosing whether to use the PayPal Services. Please note the following risks of using the PayPal Services:

      Payments received in your Account may be reversed at a later time, for example, if a payment is subject to a Chargeback, Reversal, Claim or is otherwise invalidated. This means that a payment may be reversed from your Account after you have provided the sender the goods or services that were purchased.

      If you are a Seller, you can lower the risk of a payment being reversed from your Account by following the criteria set out in the Seller Protection section and by following the other guidance provided in the "Security Center 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 funds if you violate this Agreement, the PayPal Acceptable Use Policy, or any other agreement you enter into with PayPal.

      You are solely responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the PayPal Services, including but not limited to, those related to export or import activity, taxes or foreign currency transactions.

      This Agreement is not a solicitation of the PayPal Services and PayPal is not targeting any country or market through this Agreement.

      1. Payment Services and Eligibility.

      1.1 Payment Services. 
      PayPal is a payment services provider and acts as such by creating, hosting, maintaining and providing our PayPal Services to you via the Internet. Our services allow you to send payments to anyone with a PayPal Account, and, where available, to receive payments. Our service availability varies by country. We offer services in compliance with local laws and regulations. Click here to see which services are available in your country of residence.

      PayPal is not a remittance business or a money transfer service and the Personal Payments feature may not be used to remit funds to third parties.

      We do not have any control over, and are not responsible or liable for, the products or services that are paid for with our PayPal Service. We cannot ensure that a buyer or a Seller you are dealing with will actually complete the transaction.

      PayPal is not a common carrier or public utility.

      1.2 Eligibility. 
      To be eligible to use the PayPal Services, you must be at least 18 years old or higher based on the age of majority in your jurisdiction, and a resident of one of the countries listed on the PayPal Worldwide page.

      You must list your correct country of residence in your Account. This Agreement applies only to Users who are residents of one of the countries listed in Section 1.1 above. If you are a resident of another country, you may access the agreement that applies to you from our website in your country.

      1.3 Information. 
      In order to open and maintain an Account, you must provide us with correct and updated Information.
      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 effectively. 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 view 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.
      Identity Verification. 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 or documentation, requiring you to provide a taxpayer or national identification number, 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.
      Credit Report Authorization. If you open a Business Account, you are providing PayPal with your written instructions and authorization in accordance with any applicable law 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 request certain new products, or (b) at any time PayPal reasonably believes there may be an increased level of risk associated with your Business Account.
      Updates to Information. If your credit card number or expiration date changes, we may acquire that information from our financial services partner and update your Account.

      1.4 Beneficial Owner.
      You must be the beneficial owner of the Account, and conduct business only on behalf of yourself.


      2. Sending Payments.

      2.1 Sending Limits. 
      We may, at our discretion, impose limits on the amount of payments you can send through the PayPal Services. 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.

      2.2 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 (subject to availability based on your Payment Methods and country of registration):

      Balance
      Instant Transfer from your bank account
      Debit card
      Credit card
      eCheck
      Note: If you do not want to use your balance, you must withdraw it before making a payment.

      2.3 Cards as Payment Methods. 
      By adding a debit card or credit card as a Payment Method, you are providing PayPal with continuous authority to automatically charge that card to obtain the relevant funds when the card is used as a Payment Method pursuant to this Agreement. You can stop the continuous authority in respect of any card by removing that card as a Payment Method in your Account Profile.

      2.4 Preferred Payment Method. 
      You may select a Preferred Payment Method each time you make a payment, except for a Preapproved Payment or a No Log-In Payment.

      For a Preapproved Payment and, 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 through the My Preapproved Payments section of your Account Profile.

      If you select a Preferred Payment Method but have available balance in your Account, your balance will be used to fund your payment. If eCheck is your Preferred Payment Method, it will be used to fund your PayPal payment, even if you have a balance. PayPal may limit the Payment Methods available for a transaction.

      2.5 Refused and Refunded Payments. 
      When you send a payment, the recipient is not required to accept it. Any unclaimed, refunded or denied payment will be returned to your balance or to your original Payment Method. We will return any unclaimed payment to you within 30 Days of the date you initiated the payment.

      2.6 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 will be determined at the time the Merchant processes your payment and completes the transaction.

      2.7 Preapproved Payments. 
      A Preapproved 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 two (2) Business Days of any Preapproved Payment made from your Account, you will receive a confirmation of this transaction by email.

      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 PayPal 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.

      2.8 Stopping a Preapproved Payment. 
      You may stop a Preapproved Payment at any time up to 3 Business Days prior to the date the next payment is scheduled to be made by notifying PayPal. To stop a Preapproved Payment, 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 1-402-935-2050 (in the U.S.). Once you contact PayPal to stop a Preapproved Payment, all future 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 for 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.


      3. Eligibility for Use.

      3.1 Ability to Receive Payments. 
      The ability to receive payments varies by country. To determine whether you have the ability to receive payments, click here.

      3.2 Automatic Transfer Countries. 
      If you are a resident of an Automatic Transfer Country, then you have the ability to receive payments but you must withdraw the full amount of your payment through an available withdrawal method. If you do not do so, the amounts will be automatically withdrawn from your Account to your withdrawal method on a regular basis. For additional terms regarding Automatic Transfer, please click here.

      3.3 Liability for Invalidated Payments. 
      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 Exhibit A (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 must reimburse PayPal through other means. If a sender of a payment files a Chargeback, the card issuer, not PayPal, will determine who wins the Chargeback.

      3.4 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 is not higher than the handling fee you charge for non-PayPal transactions.

      3.5 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.

      3.6 Preapproved Payments and/or No Log-In Payments. 
      If you receive Preapproved Payments and/or No Log-In Payments you must receive your buyer’s Authorization to the payment amount, frequency and duration prior to submitting the payment.

      3.7 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, then 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.

      Currency Amount:

      Currency Amount

      Australian Dollar:$9.99 AUD 
      New Zealand Dollar:$9.99 NZD
      Brazilian Real:R$7.99 BRL 
      Norwegian Krone:29.99 NOK 
      Canadian Dollar:$3.99 CAD 
      Philippine Peso:499.99 PHP 
      Czech Koruna:99.00 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:999.00 HUF 
      Taiwan New Dollar:249.00 TWD 
      Israeli New Shekel:15.99 ILS 
      Thai Baht:249.99 THB 
      Japanese Yen:¥999.00 JPY 
      U.K. Pound Sterling:£3.99 GBP 
      Mexican Peso:$39.99 MXN 
      U.S. Dollar:$3.99 USD 


      4. Account Balances.

      4.1 Balances. 
      If you hold a balance, PayPal will hold your funds in pooled accounts separate from its corporate funds, and it will not use your funds for its operating expenses or for any other corporate purposes. PayPal will not voluntarily make your funds available to its creditors in the event of bankruptcy. You will not receive interest or other earnings on the amounts in your balance. PayPal may receive interest on amounts that PayPal holds on your behalf. You agree to assign your rights to PayPal for any interest derived from your funds.

      4.2 Setoff of Past Due Amounts. 
      If you have a past due amount owed to PayPal, an Affiliate, or eBay PayPal may debit your Account to pay any amounts that are more than 180 Days past due.

      4.3 Negative Balances and Multiple Currencies.
      If your Account has a negative balance, PayPal may set-off the negative balance with any funds that 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 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. Withdrawing Money.

      5.1 How to Withdraw Money. 
      Depending on the country in which your Account is registered, you may withdraw funds from your Account in any of these methods: (a) by electronically transferring them to your U.S. bank account or to your local bank account, (b) by electronically transferring them to your Visa branded card, (c) through a PayPal initiated Automatic Transfer to your linked financial instrument, or (d) by requesting a physical check through the mail. In certain countries, your ability to withdraw to a local bank account may require the use of PayPal Retiros. Different currency rules may apply to PayPal Retiros. Please see terms and conditions for additional information regarding the service. Depending on the country in which your Account is registered, the currencies in which you may withdraw your funds to your local bank account may be limited. With the exception of Users with Accounts registered in the People’s Republic of China or unless otherwise specified, when withdrawing your funds to your local bank account, funds may only be withdrawn in your local currency. If you are holding a balance in U.S. Dollar, you may be able to withdraw the funds to your linked U.S. bank account. If you are holding a balance in a foreign currency, you may only withdraw that balance (or part thereof) after it has been converted to (a) the local currency if you are withdrawing your funds to your local bank account or (b) U.S. Dollar if you are withdrawing your funds to your linked U.S. bank account. Depending on the country in which your Account is registered, you may be able to withdraw your funds through a third party service provider. Please see terms of such third party for information regarding currency conversions.

      Generally, we will send checks only to confirmed addresses, unless you have a Verified Account. We will not send checks to post office 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 (minus a Fee). 

      5.2 Withdrawal Limits. 
      Depending on the degree to which you have Verified your Account, we may limit your ability to withdraw funds until you comply with our requests for information. 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. Please see terms and conditions of the PayPal Retiros service for information regarding the limits applicable to such service. 

      5.3 Withdrawal Fees. 
      When withdrawing your balance, you will be charged the Withdrawing your Balance Fee as set out in Exhibit A (Fees) depending on the method of withdrawal. In addition, if you withdraw your balance in a currency other than the currency in which the balance on your Account is denominated, you will additionally be charged Currency Conversion Fees as set out in Exhibit A (Fees).


      6. Closing Your Account.

      6.1 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.

      6.2 Limitations on Closing Your Account. 
      You may not evade an investigation by closing your Account. If you close your Account while we are conducting an investigation, we may hold your funds to protect PayPal, 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.


      7. PayPal Buyer Protection.

      7.1 Types of Problems Covered. 
      PayPal Buyer Protection helps you if you encounter either of these problems:

      "Item Not Received" (INR): You did not receive the item you paid for with PayPal; or
      "Significantly Not as Described" (SNAD) You received an item you paid for with PayPal but it is Significantly Not as Described (SNAD).

      If your problem is a transaction that you did not authorize, please see section 8 below.
      An item is "Significantly Not as Described" (SNAD) if it is materially different from what the Seller described on its website or 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 materially damaged during shipment.
      An item is not Significantly Not as Described (SNAD) 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.

      7.2 Eligibility Requirements.

      To be eligible for PayPal Buyer Protection you must meet all of the following requirements:
      Open a Dispute within 180 Days of the date you sent the payment – then follow the online dispute resolution process described below under "Dispute Resolution"
      You must respond to PayPal’s request for documentation and other information in a timely manner
      Have an Account in good standing

      You have not received a recovery related to such purchase from another source
      7.3 Ineligible Items. Payments for the following are not eligible for reimbursement under PayPal Buyer Protection:

      Real estate
      Businesses (when you buy a business)
      Vehicles, including motorcycles, caravans, aircrafts and boats
      Significantly Not As Described Claims for custom made items
      Payments on crowdfunding platforms
      Items that violate PayPal's Acceptable Use Policy
      For Item Not Received (INR) items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
      Industrial machinery used in manufacturing
      Stored value items such as gift cards and pre-paid cards
      Gambling, gaming and other activity with an entry fee and a prize
      Anything purchased from or an amount paid to a government agency
      Personal Payments
      Donations made to charities or non-profit organizations
      Even if your payment is not eligible for PayPal Buyer Protection, you can file a Dispute and resolve the issue directly with the Seller, however, PayPal will not find in your favor if you escalate a Dispute to a Claim when an item is not eligible for PayPal Buyer Protection.

      7.4 Coverage Amount. 
      If you are eligible for PayPal Buyer 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.

      PayPal will not reimburse you for the return shipping costs that you incur to return a Significantly Not as Described (SNAD) 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 (INR) Claim even if you did not receive the goods.

      7.5 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 to negotiate with the Seller for resolution of the Dispute.
      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) Claim. If you do not escalate the Dispute to a Claim within 20 Days, PayPal will permanently 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 will generally require you, at your expense, to ship the item back to the Seller, or to PayPal, or to a third party and to provide proof of delivery.

      For transactions that total less than $250 USD (or the equivalent in other currencies as listed below), proof of delivery is confirmation that can be viewed online and includes the delivery address showing at least city/state or postal code, 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 $250 USD or more (or the equivalent in other currencies as listed in the table below), you must also get a signature confirmation of the delivery (except for buyers having a PayPal Account registered: in Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Israel, or Ukraine to whom such requirement won’t apply).

      $250 USD signature confirmation requirement – other currencies equivalents:

      Currency Amount
      Australian Dollar: $350 AUD
      New Zealand Dollar:$380 NZD
      Brazilian Real:R$500 BRL
      Norwegian Krone: 1,600 NOK
      Canadian Dollar:$325 CAD
      Philippine Peso:12,500 PHP
      Czech Republic Koruna:6,000 CZK
      Polish New Zloty:800 PLN
      Danish Krone:1,500 DKK
      Russian Ruble:8,500 RUB
      Euro:200 EUR
      Singapore Dollar:$400 SGD
      Hong Kong Dollar:$2,000 HKD
      Swedish Krona:2,000 SEK
      Hungarian Forint:55,000 HUF
      Swiss Franc:330 CHF
      Israeli New Shekel:1,000 ILS
      Taiwan New Dollar:8,250 TWD
      Japanese Yen:¥28,000 JPY
      Thai Baht:9,000 THB
      Malaysian Ringgit:1,000 MYR
      U.K. Pound Sterling:£150 GBP
      Mexican Peso:$2,200 MX
      U.S. Dollar:$250.00 USD

      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. 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 are a Seller and 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 will not receive the item back.

      7.6 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 its sole discretion, refund the transaction without requiring you to escalate the Dispute to a Claim.


      Currency Amount
      Australian Dollar:$9.99 AUD
      New Zealand Dollar:$9.99 NZD
      Brazilian Real:R$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: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


      PayPal may limit the number of Digital Goods refunds that you may receive. If these are limited or if your purchase is not eligible for coverage, you will still be able to follow PayPal’s standard dispute resolution processes described in this Section 7 to attempt to resolve the issue with the Seller directly.

      7.7 Relationship between PayPal's protection programs and Chargebacks. 
      Credit card Chargeback rights, if they apply, may be broader than PayPal’s protection programs. Chargebacks may cover unsatisfactory items even if they do not qualify as SNAD. 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 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.

      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.

      7.8 Claims filed with Seller or other third parties. 
      You may not file a Dispute/Claim under PayPal Buyer Protection if you have already filed a claim with the Seller or another third party (other than eBay).

      7.9 No Double Recovery. 
      You may not receive a recovery for a purchase under PayPal Buyer Protection if you have already received a recovery for that purchase directly from the Seller or another third party.


      8. Errors and Unauthorized Transactions.

      8.1 Protection for Unauthorized Transactions and Errors. 
      When an Unauthorized Transaction or an Error occurs in your Account, PayPal will cover you for the full amount of every eligible Unauthorized Transaction or Error so long as you follow the procedures discussed below.

      An Unauthorized Transaction occurs when a payment 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.

      8.2 Notification Requirements.

      You should immediately notify PayPal if you believe:
      there has been an Unauthorized Transaction or unauthorized access to your Account;
      there is an Error in your Account history statement (you can access your Account history statement by logging into your Account and clicking on a link to “View all of my transactions” ) or in your transaction confirmation sent to you by email;
      your password or PayPal Mobile PIN has been compromised;
      your PayPal Mobile-activated phone has been lost, stolen or deactivated; or
      you need more information about a transaction listed on the statement or transaction confirmation.
      To be eligible for protection for Unauthorized Transactions, you must notify us within 60 Days after any Unauthorized Transaction first appears in your Account history statement. We will extend the 60 Day time period if a good and demonstrable 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 history statement to ensure that there has not been an Unauthorized Transaction or 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. You should also review these transaction confirmations to ensure that each transaction was authorized and is accurate.

      For Unauthorized Transactions or Errors in your Account, notify us as follows:

      Use this form to file a report in the PayPal Resolution Center; or
      Write to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950; or
      Call PayPal Customer Service at (402) 935-7733 (in the U.S.).
      When you notify us, provide us with all of the following information:

      Your name and email address registered to your Account;
      A description of any suspected Unauthorized Transaction or Error and an explanation as to why you believe it is incorrect or why you need more information to identify the transaction; and
      The amount of any suspected Unauthorized Transaction or 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.

      8.3 PayPal Actions after Receipt of Your Notification. 
      Once you notify us of any suspected Unauthorized Transaction or 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 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 Transactions or 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 Unauthorized Transaction or 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 Unauthorized Transaction or Error, we will promptly credit the full amount 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 Unauthorized Transaction or 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.

      8.4 PayPal Errors.
      We will rectify any 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.

      8.5 Your Errors. 
      If you erroneously send a payment to the wrong party, or send a payment for the wrong amount (based on a typographical error, for example), your only recourse will be to contact the party to whom you sent the payment and ask them to refund the payment. PayPal will not reimburse you or reverse a payment that you have made in error.


      9. PayPal Seller Protection.
      For seller protection terms for sellers in China, Hong Kong, Korea, New Zealand and Taiwan, click here.

      For seller protection terms for sellers in Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam, click here.

      For seller protection terms for sellers in India, click here.

      For seller protection terms for sellers in Turkey and Israel, click here.


      9.1 PayPal Seller Protection.

      PayPal Seller Protection is protection we provide to 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. If you sell or market to buyers in other countries, you should read the PayPal Buyer Protection policies of the countries in which your target buyers are based (the relevant PayPal Buyer Protection policies are available here) as these policies will apply to you as a Payment Recipient or Seller.

      9.2 Scope of Protection.
      PayPal will protect you for the full amount of the eligible payment and waive the Chargeback Fee, if applicable.

      9.3 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 Transactions protection you must meet both the Basic Requirements and the Unauthorized Transactions Additional Requirements listed below under (c)

      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.
      Item Not Received Additional Requirements:
      The payment must be marked "eligible" or "partially eligible" for PayPal Seller Protection on the Transaction Details Page.
      You must have a Proof of Delivery as described below in Section 9.4.
      You must ship the item within 7 Days of receipt of payment. Or, if the payment is for pre-ordered or made-to-order goods, shipment is required within the timeframe specified in your item listing.
      Unauthorized Transactions Additional Requirements:
      The payment must be marked "eligible" for PayPal Seller Protection on the Transaction Details Page.
      You must have a Proof of Shipment or a Proof of Delivery as described below in Section 9.4.

      9.4 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, showing at least the city/state or postal code (or international equivalent).
      "Proof of Delivery (for tangible items)" is online documentation from a shipping company that includes all of the following:

      The date the item is delivered.
      The recipient's address, showing at least the city/state or postal code (or international equivalent).
      Signature Confirmation as described below for payments of $750 USD or more (or the following equivalents), save for Sellers having a PayPal Account registered in Albania, Andorra, Bosnia and Herzegovina, Croatia, and Ukraine to whom such requirement won’t apply):

      Currency Amount
      Australian Dollar $850 AUD
      New Zealand Dollar $950 NZD
      Brazilian Real R$1,750 BRL
      Norwegian Krone 4,600 NOK
      Canadian Dollar $850 CAD
      Philippine Peso 34,000 PHP
      Czech Republic Koruna15,000 CZK
      Polish New Zloty 2,300 PLN
      Danish Krone 4,100 DKK
      Russian Ruble 27,000 RUB
      Euro 550 EUR
      Singaporean Dollar $950 SGD
      Hong Kong Dollar $6,000 HKD
      Swedish Krona 4,950 SEK
      Hungarian Forint 170,000 HUF
      Swiss Franc 700 CHF
      Israeli New Shekel 2,700 ILS
      Taiwan New Dollar 23,000 TWD
      Japanese Yen ¥77,000 JPY
      Thai Baht 24,500 THB
      Malaysian Ringgit 2,500 MYR
      U.K. Pound Sterling £450 GBP
      Mexican Peso $10,000 MXN
      U.S. Dollar $750 USD

      "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.
      “Proof of Delivery (for intangible or virtual items or services)” means any compelling evidence to show the purchase order was fulfilled and includes all of the following:

      The date the item or service was provided;
      The recipient’s address (email/IP, etc) where applicable.
      NOTE: Although Buyer Protection extends coverage to buyers for intangible items, Seller Protection does not apply to intangible items.

      9.5 Items/Transactions not Eligible for PayPal Seller Protection.

      The following are examples of items/transactions not eligible for PayPal Seller Protection:

      Claims or Chargebacks for Significantly Not as Described.
      Items that you deliver in person, including at a point of sale.
      Intangible items, including Digital Goods and services.
      Items equivalent to cash (including, without limitation, gift cards or vouchers).
      PayPal Direct Payments (including Virtual Terminal Payments and Website Payments Pro/Plus payments).
      Items that are not shipped to the recipient address. If you originally ship the item to the recipient address 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.

      10. Restricted Activities
      .
      10.1 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:

      Breach this Agreement, the Commercial Entity Agreement, the Acceptable Use Policy or any other Policy that you have agreed to with PayPal;
      Violate any law, statute, ordinance, or regulation;
      Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
      Sell counterfeit goods;
      Act in a manner that is defamatory, trade libelous, threatening or harassing to our employees, agents or other Users;
      Provide false, inaccurate or misleading Information;
      Engage in potentially fraudulent or suspicious activity and/or transactions;
      Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;
      Receive or attempt to receive funds from both PayPal and the Seller, bank or card issuer for the same transaction during the course of a Dispute;
      Control an Account that is linked to another Account that has engaged in any of these Restricted Activities;
      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 and other liability to PayPal, other Users, third parties or you;
      Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal Services;
      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;
      Allow your Account to have a negative balance;
      Use a credit card with your Account to provide yourself a cash advance (or help others to do so);
      Access the PayPal Services from a country that is not listed on PayPal's Worldwide page.
      Disclose or distribute another 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;
      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;
      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;
      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; or
      Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers.

      11. Your Liability - Actions We May Take.

      11.1 Your Liability.

      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.
      Liability for Claims under PayPal Buyer Protection. If you are a Seller and 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 Buyer Protection policy of that country that the funds received should be returned or reversed, you will be 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 available here). 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), and the PayPal Fees that you were charged for the transaction. PayPal Seller Protection will cover your liability for eligible Claims based on Item not Received, and eligible Unauthorized Transactions - see Section 9 (PayPal Seller Protection) above.

      If a buyer files a Significantly Not as Described (SNAD) Claim for an item he or she 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 on 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 might not receive the item back from the buyer (for instance, it may be disposed of or otherwise irreversibly dealt with). PayPal Seller Protection will not cover your liability for SNAD Claims.
      Liability for claims filed under eBay’s Money Back Guarantee program. 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. 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. 
      Liability for instructions given by you on your Account. Any instructions given by you on your Account (whether verbal or in writing) once you have been authenticated will be relied on by PayPal. PayPal will not be liable for any loss or damage you or anyone else suffers where PayPal acts on those instructions in good faith, unless it was proved that PayPal was negligent.

      11.2 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 negative balance up to the amount of your liability, and you will be required to immediately Add Money to your PayPal balance or reimburse PayPal through an alternative method. If you do not do so, PayPal may engage in collection efforts to recover such amounts from you.

      11.3 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, Affiliates 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:

      We may close, suspend, or limit your access to your Account or the PayPal Services;
      We may suspend your eligibility for PayPal Buyer Protection and/or PayPal Seller Protection;
      We may refuse to provide the PayPal Services to you now and in the future; and
      We may hold your funds for a period of time reasonably needed to protect against the risk of liability to PayPal or a third party, or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions.

      11.4 Actions by PayPal - Holds.

      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 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 as pending balance or withheld and the payment status will indicate the hold. 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 30 Days from the date the payment was received into your Account unless PayPal has a reason to continue to hold the payment such as (a) the receipt of a Dispute, Claim, Chargeback, or Reversal, (b) PayPal believes that you have violated the terms of this Agreement or any other Policy and that such a violation results in the need to continue holding the funds, or (c) PayPal believes that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. In such an event, PayPal may continue holding the payment in your Account until the matter is resolved pursuant to this Agreement. PayPal, in its sole discretion, may release the hold earlier under certain circumstances, for example when you upload tracking information of the item you shipped.
      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.

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

      11.6 Actions by PayPal - Account Closure, Termination of Service, Limited Account Access; Confidential Criteria. 
      PayPal, in its sole discretion, reserves the right to terminate this Agreement and/or access to the PayPal Services for any reason and at any time upon notice and payment to you of any unrestricted funds held in your balance. If we limit access to your Account, including through a Reserve or hold, we will provide you with notice of our actions, and the 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, placing holds or imposing Reserves, may be based on confidential criteria that is essential to our management of risk, 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 its security procedures to you.

      11.7 Acceptable Use Policy Violations. 
      If you violate the Acceptable Use Policy then in addition to the above actions you will be liable to PayPal for the amount of PayPal’s damages for each violation of the Acceptable Use Policy. You agree that $2,500.00 USD (or equivalent) per transaction in 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.


      12. Disputes with PayPal.

      12.1 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 (in the U.S.) from 6 AM to midnight, U.S. Central Time.

      12.2 Arbitration. 
      For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD (or other currencies equivalents), the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through the Singapore International Arbitration Centre or any other established alternative dispute resolution (“ADR”) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

      12.3 Law and Forum for Disputes. 
      Except as otherwise agreed by the parties or as described in Section 12.2 above, you agree that any claim or dispute you may have against PayPal must be resolved by a court located in Singapore or where the defendant is located. You agree to submit to the personal jurisdiction of the courts located within Singapore for the purpose of litigating all such claims or disputes. This Agreement shall be governed in all respects by the laws of Singapore as such laws are applied to agreements entered into and to be performed entirely within Singapore, without regard to conflict of law provisions.

      12.4 Improperly Filed Litigation. 
      All claims you bring against PayPal must be resolved in accordance with Section 12 of this Agreement. All claims filed or brought contrary to Section 12 shall be considered improperly filed and a breach of this Agreement. Should you file a claim contrary to Section 12, PayPal may recover attorneys’ fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that PayPal has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

      12.5 Notices to You. 
      You agree that PayPal may provide you Communications about your Account, the PayPal Services and this Agreement electronically. PayPal reserves the right to close your Account if you withdraw your consent to receive electronic Communications. Any electronic Communications will be considered to be received by you within 24 hours of the time we post it to our website or email it to you. Any notice sent to you by postal mail will be considered to be received by you 3 Business Days after we send it.

      12.6 Notices to PayPal. 
      Except as otherwise stated above in Section 8 (Errors and Unauthorized Transactions) and Section 12.1, notice to PayPal must be sent by postal mail to: PayPal Pte. Ltd., Attention: Legal Department, 5 Temasek Boulevard #09-01, Suntec Tower Five, Singapore 038985.

      12.7 Insolvency Proceedings. 
      If any proceeding by or against you is commenced under any provision of any 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.

      12.8 Release of PayPal. 
      If you have a dispute with one or more Users, you release PayPal and Affiliates (and their officers, directors, agents, joint ventures, employees and suppliers) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.


      13. General Terms.

      13.1 Limitations of Liability.
      IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES OR SUPPLIERS 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, SUBSIDAREIS AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.

      13.2 Services Limitation. 
      PayPal is not a bank and the PayPal Services are payment processing services rather than banking services. PayPal is not acting as a trustee, fiduciary or escrow with respect to your funds, but is acting only as an agent and custodian. PayPal does not have control of, nor 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.

      13.3 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, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND OUR SUPPLIERS 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 temporarily suspended for maintenance or upgrade or 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 mail service. Some jurisdictions 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 country to country.

      13.4 Indemnification. 
      You agree to defend, indemnify and hold PayPal, Affiliates, and our officers, directors, agents, joint ventures, employees and suppliers harmless from any claim, demand (including attorneys’ fees), fine, or other liability incurred by any third party due to or arising out of your or your employees’ or agents’ breach of this Agreement and/or use of the PayPal Services.

      13.5 PayPal License Grant to You.
      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 respective 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 which 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.

      13.6 License Grant from You to PayPal; IP Warranties. 
      Subject to section 13.7, 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.

    • User Agreement for PayPal Services - Part 2
      13.7 License Grant from Merchants to PayPal. 
      Section 13.6 notwithstanding, if you are a Merchant using PayPal Services, you grant PayPal the worldwide right to use and depict your business name, trademarks, and logos on our website and in PayPal’s mobile and web-based application for the purpose of identifying and referring to your business and your products and services and facilitating consumer transactions with you. 

      13.8 Intellectual Property. "PayPal.com," "PayPal”, “PayPal.com.cn”, “PayPal.com.c2”, “PayPal.com.hk”, “PayPal.co.il”, “PayPal.co.jp”, “PayPal.com.tr”, “PayPal.com.sg” and all other URLs, logos and trademarks related to the PayPal Services are either trademarks or registered trademarks of PayPal or its 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.

      13.9 Calls to You; Mobile Telephone Numbers. 
      By providing PayPal a telephone number (including a mobile telephone number), you consent to receiving calls, including autodialed and prerecorded messages from PayPal at that number. If we determine that a telephone number you have provided to us is a mobile telephone number, we may categorize it as such in our systems and in your Account Profile, and you consent to receive text messages from us about your use of the PayPal Services at that number.

      13.10 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.

      13.11 Password Security.
      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.

      13.12 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.

      Please be advised that you may be subject to withholding taxes or other tax liabilities with respect to importing services from a foreign entity. In addition, you may be subject to VAT, sales tax, income tax, or other tax liabilities as a seller of goods or services. It is your responsibility to check with your local tax advisor to determine which taxes apply to you, and it is your responsibility to pay such taxes to the appropriate tax authority. All Fees related to the PayPal Services are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. Any such deduction or withholding, if required by the laws of any country are your sole responsibility.

      13.13 Complete Agreement and Survival. 
      This Agreement, along with any applicable Policies 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 6 (Closing Your Account), 11 (Your Liability – Actions We May Take), 12 (Disputes with PayPal), 13 (General Terms), 14 (Definitions), and Exhibit A (Fees) as well as any other terms which by their nature should survive, will survive the termination of this Agreement. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

      13.14 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.

      13.15 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.

      13.16 No Waiver. 
      Our failure or delay to act with respect to a breach by you or others does not waive our right to act with respect to such breach or any subsequent or similar breaches.

      13.17 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. Definitions.
      "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 Payments authorizations, your selling tools, and your Account settings including your notification preferences and API Access permissions.
      "Account" or "PayPal Account" means a Personal or Business PayPal Account.
      "Add Money" or "Top Up" means your ability to transfer money from your bank account to your PayPal Account.
      "Affiliate" means PayPal Holdings Inc. or a company that is a direct or indirect subsidiary of PayPal Holdings Inc., or otherwise related to PayPal through common ownership or control.
      "Authorize" or "Authorization" means a buyer’s express authorization to a Merchant to collect a payment from the buyer’s PayPal Account.
      "Automatic Transfer Countries" means Albania, Algeria, Antigua and Barbuda, Barbados, Belize, Bosnia and Herzegovina, Dominica, Egypt, Fiji, French Polynesia, Grenada, Malawi, New Caledonia, Palau, Saint Kitts and Nevis, Saint Lucia, Seychelles, Trinidad and Tobago, Turks and Caicos.
      "Automatic Transfer" means a withdrawal of your Account balance that is initiated by PayPal. If your Account is registered in one of the Automatic Transfer Countries, then your balance will be regularly withdrawn to your linked financial instrument pursuant to these terms and conditions.
      "Business Account" means an Account used primarily for business purposes and not for personal, family, or household purposes.
      "Business Days" means Monday through Friday, excluding the official national holidays recognized in Singapore.
      "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 7 of this Agreement.
      "Commercial Entity Agreement" means the agreement that commercial entities are required to enter into directly with PayPal's payment processor(s).
      "Commercial Payment" means as defined in Exhibit A (Fees) below.
      "Communications" means any Account or transaction information that PayPal provides to you, including: any Policies you agree to, including updates to these Policies; annual disclosure; transaction receipts or confirmations; Account history statements; and tax statements we are required to make available to you.
      "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 (in the U.S.) from 6 AM to midnight U.S. 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 7 of this Agreement.
      "eBay" means eBay Inc.
      "eCheck" means a payment funded using a sender's bank account 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 U.S.
      "Error" means a processing error made by PayPal or its suppliers in which your Account is mistakenly debited or credited.
      "Fees" means those amounts stated in Exhibit A (Fees) of this Agreement.
      "Information" means any Account information that you provide to us, including but not limited to personal information, financial information, or other information related to you or your business.
      "Instant Transfer" means a payment funded using the sender's bank account 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.
      "Merchant" and “Seller” are used interchangeably and mean a User who is selling goods and/or services and using the PayPal Services to receive payments.
      "Micropayments for Digital Goods" means the PayPal Service offered to certain qualifying Merchants who sell Digital Goods that, among other things, offers micropayments pricing and integrated website tools.
      "No Log-In Payment" means a PayPal payment that is made without the sender having to log into his/her Account.
      "Payment Method" means the payment method used to fund a transaction. The following payment methods may be used to fund a transaction (subject to availability): balance, Instant Transfer, eCheck, credit card, debit card, and Redemption Codes.
      "PayPal Direct Payment" means a payment that is made directly through the buyer’s credit or debit card and not through a PayPal Account, such as payments made through Website Payments Pro.
      "PayPal Mobile" means a PayPal Service that allows you to send and receive payments through your mobile phone.
      "PayPal Seller Protection" means the protection program PayPal offers Sellers as described in Section 9.
      "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.
      "PayPal," "we," "us" or "our" means PayPal Pte. Ltd.
      "Personal Payment" means a payment to a friend or a family member for goods and/or services such as your share of the rent or a dinner bill. Personal Payments may not be used for sending gifts. Personal Payments are not available in most countries.
      "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" means a Payment Method that you select to fund a payment instead of using the Default Payment Methods.
      "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.
      "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 10 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, Affiliates, or any direct or indirect PayPal subsidiary, (c) the sender of the payment did not have authorization to send the payment (for example: the sender used a stolen credit card), (d) you received the payment for activities that violated this Agreement, the PayPal Acceptable Use Policy, or any other Policy, or (e) PayPal decided a Claim against you.
      "Seller" – see "Merchant" definition.
      "Significantly Not as Described" has the definition provided in Section 7.1 of this Agreement.
      "Substantial Change" means a change to the terms of this Agreement that reduces your rights or increases your responsibilities.
      "Top Up" – see “Add Money” definition.
      "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 Account on the PayPal website.
      "Unauthorized Transaction" means as defined in Section 8.1 of this Agreement.
      "User" means any person or entity using the PayPal Services including you.
      "Verified Account" means an Account status that reflects that PayPal has verified that an Account holder has legal control of one or more of his or her Payment Methods. 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 credit or debit card and not through an Account.
      Back to top



      Exhibit A - Fees.
      Overview. PayPal charges the following Fees:
      To view whole breakdown of fees: https://www.paypal.com/ga/webapps/mpp/ua/useragreement-full#exhibit_A

      a. Commercial Payments Fee.

      b. Additional Fees:
      -Currency Conversion Processing Fee;
      -Withdrawing your Balance Fee;
      -eCheck Fee;
      -Chargeback Fee;
      -Credit Card and Debit Card Confirmation Fee; and
      -Records Request Fee.

      c. Fees for other pricing categories:
      -Micropayments Fee;
      -Micropayment for Digital Goods Fee;
      -Mass Payments / Payouts Fee;
      -Personal Payments Fee; and

      For additional information about the Fees applicable to you view your country’s Fees page.

      Commercial Payments Fee.

      A Commercial Payment includes the following:
      -A payment for the sale of goods or services;
      -A payment received after the Seller has used the ”Request Payment” tab on the PayPal website; or
      -A payment that is sent to, or received by, a business or other commercial or non-profit entity.

      *To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria, click here. To apply for Merchant Rate, click here.
      # excludes transactions on eBay website, Website Payments Pro - Hosted Solution, Virtual Terminal, PayPal Here and carrier billing products.
      ## for transactions on eBay website only.
      Receiving International Commercial Payments in Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia.
      The Fee depends on the buyer’s country.


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

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

      *** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo^^, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Ukraine.

      ^ Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria click here. To apply for Merchant Rate click here.

      ^^ Buyers in these countries cannot open a PayPal Account but can make purchases using their credit cards on certain merchants’ websites.

      Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area or in Monaco will be treated as Domestic Personal Payments for the purpose of applying Fees.
      Hotel merchant rate

      The hotel merchant rate is only available to hotel merchants with PayPal Accounts registered in Singapore, Malaysia, Indonesia, Thailand, Vietnam and Philippines that:
      integrate their point of sale with a PayPal approved internet booking engine partner at their own cost;
      hold a valid Business Account in good standing; and
      obtain approval from PayPal.
      PayPal will determine in its sole discretion whether you are approved for the hotel merchant rate. The hotel merchant rate is limited to processing payments received for goods and services relating to your hotel business only. Notwithstanding any other rights we have under this Agreement, we may in our sole discretion, immediately revoke your approval for the hotel merchant rate.

      If you are approved for the hotel merchant rate, you will pay:



      Exhibit B - Country-Specific Terms.
      These terms and conditions apply only to Account holders for Accounts registered in the following countries. In the event of a conflict between the terms of this Agreement and the term of Exhibit B herein, the terms of Exhibit B shall apply:

      Argentina

      As of October 9, 2012, Argentina Resident PayPal Users may only send and receive international payments. Domestic payments between two Argentina Resident PayPal Users is unavailable.

      *Argentina Resident” is defined to mean:

      an individual, regardless of actual nationality, who has indicated Argentina as his/her country or region at the point of signing up for a PayPal Account; and
      an entity, partnership, organization or association which has indicated Argentina as its country or region of registration at the point of signing up for a PayPal Account.
      China

      If you are using a service (“Third Party Service”) offered by a PayPal partner bank or licensed foreign-exchange service provider (“Service Provider”), please see the terms and conditions with the Service Provider for additional information relating to that service.
      In case of any dispute, demands, actions, proceedings ("Disputes") between you and the partner bank on account of delayed or non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal Account to the Service Provider.
      You acknowledge and agree that PayPal may share information provided by you in accordance with PayPal’s Privacy Policy and the terms of the agreement between you and PayPal with the Service Provider in order to enable the Service Provider to conduct the requisite due diligence in accordance with Service Provider’s Know-your-customer (KYC) obligations.
      PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any (i) failure; (ii) interruption; (iii) defect; or (iv) negligent or willful misuse of the Third Party Service; or (v) consequences arising out of delayed or non-receipt of funds withdrawn through the Third Party Service.
      Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.


      Colombia

      As of 1 September 2015, Colombian Resident PayPal Users may only send and receive international payments. Domestic payments between two Colombian Resident PayPal Users are unavailable.

      “Colombian Resident” is defined to mean:

      an individual, regardless of actual nationality, who has indicated Colombia as his/her country or region at the point of signing up for a PayPal Account; and
      an entity, partnership, organization or association which has indicated Colombia as its country or region of registration at the point of signing up for a PayPal Account.
      India

      With effect from 1 March 2011 and pursuant to notification RBI/2010-11/281 of the Reserve Bank of India, the following terms and conditions shall apply specifically to users of PayPal Services in India (“Special Terms and Conditions”):

      Definitions

      "Balance" means the Buyer's Charge paid by the Buyer as reduced by the (a) Commission Fee, (b) the Reserve Amount (defined below) and (c) amount deducted towards charge back in respect of a previous transaction (if any) which will be displayed in your PayPal Account and remitted into your bank account by the authorized dealer bank.

      "Buyer" means a person resident outside India who desires to purchase product or service from you and make payment which may be received by you into your bank account through the PayPal Service (defined below).

      "Buyer's Charge" means the sale price of the product or service purchased by the Buyer plus shipping charge (if any) and all other taxes, duties, costs, charges and expenses in respect of the product or services which are required to be paid by the Buyer to you provided that the value of the product or service shall in no event exceed USD 10,000 per transaction.

      "Commission Fee" means the fee charged by PayPal for the provision of the PayPal Service.

      "PayPal Service" means the payment gateway processing service offered by PayPal to its users resident in India for facilitation of receipt of payments from Buyer for remittance into their bank account.

      "Reserve Amount" means the amount out of the Buyer's Charge calculated and determined by PayPal and the authorized dealer bank which is deposited with the authorized dealer bank in order to meet your potential charge back liabilities.

      Nature of Service
      The PayPal Service offered to you is not a stored value service. The PayPal Service is in the nature of a payment gateway processing service and meant exclusively for facilitating online receipt by you of payments made by the Buyers.

      Eligibility for Use of Service
      In order to avail the PayPal Service, in addition to the eligibility criteria provided for in this Agreement, you shall be required to have or open a fully functional bank account which has been duly verified through the identity authentication and verification process provided.

      Relationship Between PayPal and You
      3.1. PayPal shall act as a service provider and an intermediary for receipt of Buyer's Charges by you and shall not act as a repository or custodian with respect to the Buyer’s Charges.

      3.2. PayPal shall only be responsible for depositing your Balance with the authorized dealer bank and shall not be liable to you for the payment of your Balance upon demand.

      Procedure for Using the Service
      4.1. You agree and acknowledge that the following procedure shall be followed by you and PayPal for the facilitation of receipt of Buyer's Charges by you through the PayPal Service:

      4.1.1. You shall have or open a functional bank account;

      4.1.2. After registering for the PayPal Service, you shall have to provide "Your Information" as contemplated under this Agreement and any other information including but not limited to your bank account number and the relevant Indian Financial Systems Code which may be required by PayPal in order to verify and authenticate your bank account and activate the PayPal Service;

      4.1.3. Upon activation of PayPal Service, you may receive Buyer's Charges from Buyers through the PayPal Service;

      4.1.4. PayPal shall, after obtaining confirmation from the Buyer that the Buyer is satisfied with the condition and quality of the goods or services (“Buyer’s Confirmation”), transfer the Buyer's Charge less the Commission Fee to the authorised dealer bank;

      4.1.5. The authorised dealer bank shall deduct the Reserve Amount and if required, deduct an amount towards charge back for a previous transaction to arrive at the Balance;

      4.1.6. The Balance and the Reserve Amount held by the authorised dealer bank shall be displayed on your PayPal Account;

      4.1.7. The authorized dealer bank shall thereafter remit the Balance to India and shall pay the Balance either through direct credit (in case where your bank account is with the authorized dealer bank) or wire credit into your bank account or by issuing a demand draft in your favour.

      4.2. The transfer of the Balance into your bank account shall take place immediately upon receipt of the Buyer’s confirmation and in any event no later than 7 days of transfer by PayPal to the authorised dealer bank.

      Reserve Amount
      5.1. PayPal shall be entitled to deduct the Reserve Amount from the Buyer's Charge and deposit the same with the authorized dealer bank.

      5.2. In case the Buyer notifies PayPal that you have failed discharge your obligations under the terms of the sale contract between you and the Buyer, PayPal shall be entitled, in its sole and absolute discretion, to remit the charge back to the Buyer out of the Reserve Amount after verifying the Buyer's claim.

      5.3. You shall be entitled to receive either the Reserve Amount or, if a charge back has been made as per Section 5.2 above, the balance thereof, after expiry of a period of 180 days of receipt of the Balance.

      Restriction on Use of Service
      6.1. You agree that you shall not use the PayPal Service for exporting a product or service having a value of more than USD 10,000 per transaction.

      6.2. You agree to avail of the PayPal Service solely for receiving payment for valid and lawful transactions and not use the PayPal Service to trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force.

      Restriction of the Use of Funds
      7.1. You agree to use the PayPal Service exclusively for the purpose of receiving Buyer's Charges.

      7.2. You may not use your balance held by the authorized dealer bank for any purpose (including but not limited to payment for imports, transfer to another Person, etc.) other than as specified in these country specific terms and conditions.

      Sharing Information
      8.1. You acknowledge and agree that PayPal may share the information provided by you and the terms of the agreement between you and PayPal with the authorised dealer bank in order to enable the authorised dealer bank to conduct the requisite due diligence in accordance with i the authorized dealer’s Know-your-customer (KYC) obligations.

      Indemnification
      In case of any dispute, demands, actions, proceedings ("Disputes") between you and the authorised dealer bank on account of non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes.

      Limitation of Liability
      10.1. It is hereby clarified that PayPal shall be liable to remit the Balance to the authorized dealer bank upon receiving the Buyer’s Confirmation.

      10.2. Upon transfer of the Balance from PayPal to the authorized dealer bank and until the remittance of the Balance and the Reserve Amount into your bank account in the manner set out in these Special Terms and Conditions, the Balance and the Reserve Amount shall be held by the authorized dealer bank.

      10.3. After the transfer of the Balance by PayPal to the authorized dealer bank, the authorized dealer bank shall be liable to pay the Balance and the Reserve Amount to your bank account in the manner set out in these Special Terms and Conditions. PayPal shall not in any way be liable to you for the same.

      10.4. PayPal shall have no responsibility for transactions carried out in good faith including charge back transactions carried out after verification in the manner provided in this Agreement.

      10.5. PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any failure or interruption of the PayPal service or consequences arising out of delayed receipt of Buyer's Charges.

      Dispute Resolution
      Resolution of any payment related complaint which you may have shall be the responsibility of PayPal. Upon occurrence of an event giving rise to such a complaint, you agree to follow the relevant procedure laid down in the Agreement for resolution of the same. You shall not be entitled to approach the authorised dealer bank for resolution of complaint or dispute pertaining to payment of Balance.

      Amendment of This Agreement
      12.1. Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.

      12.2. In case of conflict between any of the terms contained in these Special Terms and Conditions and those of the Agreement, these Special Terms and Conditions shall prevail.

      Japan

      Please be advised that the PayPal Services are provided by PayPal Pte. Ltd., a Singaporean company. PayPal accepts payments from buyers on behalf of the Sellers. As a Seller, you agree that once PayPal accepts payments from the buyer, you release and discharge the buyer of any further liability for the amount of the payment. When persons make donations through PayPal, PayPal accepts payments from such donors on behalf of the donees. As a donee, you agree that once PayPal accepts payments from the donor, you release and discharge the donor of any further liability for the amount of the donation.

      Notwithstanding Section 12 above, for any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, you or PayPal may elect to resolve the dispute through binding arbitration in Japan in accordance with the Commercial Arbitration Rules of the Japan Commercial Arbitration Association. Any such arbitration shall be administered by the Japan Commercial Arbitration Association, or any other established ADR provider mutually agreed upon by the parties. The award rendered shall be final and binding upon the parties. Any judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

      Alternatively, and notwithstanding Section 12 above, any Claim may be adjudicated by a court of competent jurisdiction located in Japan, and you and PayPal agree to submit to the personal jurisdiction of the courts located in Japan.

      For the avoidance of doubt, if a dispute is submitted to arbitration or a court under this Section, the parties agree that this Agreement shall continue to be governed by the laws of Singapore.

      Malaysia

      PayPal has been approved by Bank Negara Malaysia to operate an e-Money business. Therefore, if you are a Malaysian customer and PayPal does not provide a prompt and efficient response to you in relation to PayPal’s Services pursuant to your use of the dispute resolution process set out in the Disputes with PayPal section of this User Agreement (currently Section 12) or contacting PayPal’s Customer Support, you may also contact Bank Negara through BNMLINK and BNMTELELINK.

      BNMTELELINK can be contacted directly either by telephone, fax, letter or email. Members of the public can contact BNMLINK and BNMTELELINK for information, inquiries or redress in the areas of conventional and Islamic banking, insurance and takaful, advisory services for small and medium enterprises, foreign exchange administration and other matters under Bank Negara Malaysia's jurisdiction. The contact details for BNMTELELINK are:



      BNMTELELINK

      Jabatan Komunikasi Korporat

      Bank Negara Malaysia

      P.O.Box 10922

      50929 Kuala Lumpur



      Tel: 1-300-88-5465 (LINK)

      Fax: 03-2174 1515

      E-mail: bnmtelelink@bnm.gov.my



      BNMLINK and BNMTELELINK operating hours are from:

      Monday - Friday, 9.00 a.m. - 5.00 p.m. Malaysia Time



      Governing Law. Notwithstanding Section 12.3, for Malaysian residents who register for the PayPal Services with a Malaysian address, this Agreement is governed by and interpreted under the laws of Malaysia as such laws are applied to agreements entered into and to be performed entirely within Malaysia.

      Morocco
      Upon enablement of the withdrawal functionality to a Moroccan bank account with the bank partner of PayPal, You will be required to comply with Moroccan laws and regulations. This means notably that if you receive amounts into your PayPal balance from a PayPal User, you must withdraw the amounts in your PayPal balance to your Moroccan bank account* within 30 Days of receipt of funds.

      * The bank partner of PayPal for the withdrawal functionality charges a fee for each withdrawal. Upon enablement of the receive and withdraw functionalities, PayPal will provide You with additional information.

      South Africa

      You are required to comply with South African exchange control regulations. This means that:

      If you receive amounts into your PayPal balance from a PayPal User:
      you may not send those amounts to another PayPal User for a purchase or for any other reason.
      you must withdraw the amounts in your PayPal balance to your South African bank account* within 30 Days of receipt of funds.
      If you would like to send amounts to another PayPal User:
      you must do so either with the credit card associated with your Account, or by doing a Top Up to your PayPal balance from your FNB bank account*.
      For purchases using Top Up, you must do a separate Top Up for each purchase.
      * FNB charges a fee for each Top Up and Withdrawal. Please see the FNB website for more information.

      Singapore

      The Services are offered by PayPal Pte. Ltd., located at 5 Temasek Boulevard #09-01, Suntec Tower Five, Singapore 038985. If you are a Singapore resident, you may have this same information emailed to you by sending a letter to the address above with your email address and a request for this information. Fees for our services are described in Exhibit A (Fees)

      In relation to the PayPal balances of Singapore Resident PayPal Users, PayPal has arranged for a sum of monies equal to the said PayPal balances to be held through a trust arrangement.

      *Singapore Resident is defined to mean:

      an individual, regardless of nationality, who has indicated ‘Singapore’ as his/her ‘Country of Residence’ at the point of signing up for a PayPal Account; and
      a non-individual which has indicated ‘Singapore’ as its ‘Country of Registration’ at the point of signing up for a PayPal Account.
      Taiwan

      Your ability to withdraw to your local bank account may require the opening of a bank account with a PayPal partner bank in Taiwan (“Partner Bank”), and using the withdrawal service offered by that Partner Bank (“Withdrawal Service”). Please see the terms and conditions with the Partner Bank for additional information relating to that service.
      In case of any dispute, demands, actions, proceedings ("Disputes") between you and the Partner Bank on account of delayed or non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal Account to the Partner Bank.
      PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any (i) failure; (ii) interruption; (iii) defect; or (iv) negligent or willful misuse of the Withdrawal Service; or (v) consequences arising out of delayed or non-receipt of funds withdrawn through the Withdrawal Service.
      Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.


      © 1999–2017 All rights reserved. 
      Privacy

      Legal

      Feedback
      Consumer advisory - PayPal Pte. Ltd., the holder of PayPal's stored value facility, does not require the approval of the Monetary Authority of Singapore. Users are advised to read the terms and conditions carefully.

    • Acceptable Use Policy
      You are independently responsible for complying with all applicable laws in all of your actions related to your use of PayPal's services, regardless of the purpose of the use. In addition, you must adhere to the terms of this Acceptable Use Policy.

      Prohibited Activities
      You may not use the PayPal service for activities that:

      1. violate any law, statute, ordinance or regulation.

      2. relate to transactions involving (a) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, (b) drug paraphernalia, (c) cigarettes, (d) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (e) stolen goods including digital and virtual goods, (f) the promotion of hate, violence, racial intolerance or the financial exploitation of a crime, (g) items that are considered obscene, (h) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, (i) certain sexually oriented materials or services, (j) ammunition, firearms, or certain firearm parts or accessories, or (k) certain weapons or knives regulated under applicable law.

      3. relate to transactions that (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or ponzi schemes, matrix programs, other "get rich quick" schemes or certain multi-level marketing programs, (c) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f) are associated with the sale of traveler's checks or money orders, (g) involve currency exchanges or check cashing businesses, (h) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or (i) involve offering or receiving payments for the purpose of bribery or corruption.

      4. involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.



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

      - Airlines and scheduled or non-scheduled charters/jets/air taxi operators; collecting donations as a charity or non-profit organization; dealing in jewels, precious metals and stones; acting as a money transmitter or selling stored value cards; selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property; or providing escrow services. 
      (Please send contact information, business website URL and a brief business summary to compliance@paypal.com)

      - Providing file sharing services or access to newsgroups; or selling alcoholic beverages, non-cigarette tobacco products, e-cigarettes or prescription drugs/devices. 
      (Please send contact information, business website URL and brief business summary to aup@paypal.com)

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

      More Information
      To learn more about the Acceptable Use Policy, please refer to Pay Pal Help Center (https://www.paypal.com/za/selfhelp/home)

      Violations of the Acceptable Use Policy
      We encourage you to report violations of this Acceptable Use Policy to PayPal immediately. Chat Find will delete offending accounts and report them to PayPal. If you have a question about whether a type of transaction may violate the Acceptable Use Policy, you can email PayPal's AUP Compliance Department at: aupviolations@paypal.com.

    • Chat Find Transactional Fees
      The individual receiving the money incurs the cost of the transaction, which consists of a 0,5% Chat Find transaction fee, and a 2,9% + 30 cents PayPal fee.

    • Push notifications
      This Application may send push notifications to the User.

    • Unique device identification
      This Application may track Users by storing a unique identifier of their device, for analytics purposes or for storing Users' preferences.

    • Access the address book
      This Application may request access to your address book.

Contact information

    • Owner and Data Controller
      Chat Find Limited, 25 Herbert Place, Dublin 2, Dublin, Ireland
      Owner contact email: support@chatfind.com

Full policy

Owner and Data Controller

Chat Find Limited, 25 Herbert Place, Dublin 2, Dublin, Ireland

Owner contact email: support@chatfind.com

Types of Data collected

Among the types of Personal Data that this Application collects, by itself or through third parties, there are: email address; first name; last name; Cookies; Usage Data; phone number; geographic position; Various types of Data; address; company name; country; picture; city; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example).

Complete details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or by specific explanation texts displayed prior to the Data collection.
Personal Data may be freely provided by the User, or, in case of Usage Data, collected automatically when using this Application.
Unless specified otherwise, all Data requested by this Application is mandatory and failure to provide this Data may make it impossible for this Application to provide its services. In cases where this Application specifically states that some Data is not mandatory, Users are free not to communicate this Data without consequences to the availability or the functioning of the Service.
Users who are uncertain about which Personal Data is mandatory are welcome to contact the Owner.
Any use of Cookies – or of other tracking tools – by this Application or by the owners of third-party services used by this Application serves the purpose of providing the Service required by the User, in addition to any other purposes described in the present document and in the Cookie Policy, if available.

Users are responsible for any third-party Personal Data obtained, published or shared through this Application and confirm that they have the third party's consent to provide the Data to the Owner.

Mode and place of processing the Data

Methods of processing

The Owner takes appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.
The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Owner, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of this Application (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Owner at any time.

Legal basis of processing

The Owner may process Personal Data relating to Users if one of the following applies:

  • Users have given their consent for one or more specific purposes. Note: Under some legislations the Owner may be allowed to process Personal Data until the User objects to such processing (“opt-out”), without having to rely on consent or any other of the following legal bases. This, however, does not apply, whenever the processing of Personal Data is subject to European data protection law;
  • provision of Data is necessary for the performance of an agreement with the User and/or for any pre-contractual obligations thereof;
  • processing is necessary for compliance with a legal obligation to which the Owner is subject;
  • processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Owner;
  • processing is necessary for the purposes of the legitimate interests pursued by the Owner or by a third party.

In any case, the Owner will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Place

The Data is processed at the Owner's operating offices and in any other places where the parties involved in the processing are located.

Depending on the User's location, data transfers may involve transferring the User's Data to a country other than their own. To find out more about the place of processing of such transferred Data, Users can check the section containing details about the processing of Personal Data.

Users are also entitled to learn about the legal basis of Data transfers to a country outside the European Union or to any international organization governed by public international law or set up by two or more countries, such as the UN, and about the security measures taken by the Owner to safeguard their Data.

If any such transfer takes place, Users can find out more by checking the relevant sections of this document or inquire with the Owner using the information provided in the contact section.

Retention time

Personal Data shall be processed and stored for as long as required by the purpose they have been collected for.

Therefore:

  • Personal Data collected for purposes related to the performance of a contract between the Owner and the User shall be retained until such contract has been fully performed.
  • Personal Data collected for the purposes of the Owner’s legitimate interests shall be retained as long as needed to fulfill such purposes. Users may find specific information regarding the legitimate interests pursued by the Owner within the relevant sections of this document or by contacting the Owner.

The Owner may be allowed to retain Personal Data for a longer period whenever the User has given consent to such processing, as long as such consent is not withdrawn. Furthermore, the Owner may be obliged to retain Personal Data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.

Once the retention period expires, Personal Data shall be deleted. Therefore, the right to access, the right to erasure, the right to rectification and the right to data portability cannot be enforced after expiration of the retention period.

The purposes of processing

The Data concerning the User is collected to allow the Owner to provide its Services, as well as for the following purposes: Contacting the User, Analytics, Location-based interactions, Registration and authentication, Social features, Access to third party services' accounts, Displaying content from external platforms, Hosting and backend infrastructure and Infrastructure monitoring.

Users can find further detailed information about such purposes of processing and about the specific Personal Data used for each purpose in the respective sections of this document.

Facebook permissions asked by this Application

This Application may ask for some Facebook permissions allowing it to perform actions with the User's Facebook account and to retrieve information, including Personal Data, from it. This service allows this Application to connect with the User's account on the Facebook social network, provided by Facebook Inc.

For more information about the following permissions, refer to the Facebook permissions documentation and to the Facebook privacy policy.

The permissions asked are the following:

Basic information

By default, this includes certain User’s Data such as id, name, picture, gender, and their locale. Certain connections of the User, such as the Friends, are also available. If the User has made more of their Data public, more information will be available.

About Me

Provides access to the 'About Me' section of the profile.

Chat

Provides applications that integrate with Facebook Chat the ability to log in users

Contact email

Access the user's contact email address.

Current City

Provides access to the User's current location.

Email

Provides access to the User's primary email address.

List of Friends

Detailed information on the processing of Personal Data

Personal Data is collected for the following purposes and using the following services:

  • Access to third party services' accounts
    This type of services allows this Application to access Data from your account on a third party service and perform actions with it.
    These services are not activated automatically, but require explicit authorization by the User.
    Access to the Facebook account (This Application)
    This service allows this Application to connect with the User's account on the Facebook social network, provided by Facebook, Inc.

    Permissions asked: About Me; Chat; Contact email; Current City; Email; List of Friends.
    Place of processing: US – Privacy Policy.


  • Analytics
    The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.
    Google Analytics (Google Inc.)
    Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of this Application, to prepare reports on its activities and share them with other Google services.
    Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

    Personal Data collected: Cookies; Usage Data.
    Place of processing: US – Privacy Policy – Opt Out.


  • Contacting the User
    Mailing List or Newsletter (This Application)
    By registering on the mailing list or for the newsletter, the User’s email address will be added to the contact list of those who may receive email messages containing information of commercial or promotional nature concerning this Application. Your email address might also be added to this list as a result of signing up to this Application or after making a purchase.

    Personal Data collected: email address; first name; last name.
    Contact form (This Application)
    By filling in the contact form with their Data, the User authorizes this Application to use these details to reply to requests for information, quotes or any other kind of request as indicated by the form’s header.

    Personal Data collected: email address; first name; last name.
    Phone contact (This Application)
    Users that provided their phone number might be contacted for commercial or promotional purposes related to this Application, as well as for fulfilling support requests.

    Personal Data collected: phone number.


  • Displaying content from external platforms
    This type of services allows you to view content hosted on external platforms directly from the pages of this Application and interact with them.
    This type of service might still collect web traffic data for the pages where the service is installed, even when Users do not use it.
    Google Maps widget (Google)
    Google Maps is a maps visualization service provided by Google Inc. that allows this Application to incorporate content of this kind on its pages.

    Personal Data collected: Cookies; Usage Data.
    Place of processing: US – Privacy Policy.


  • Hosting and backend infrastructure
    This type of services has the purpose of hosting data and files that enable this Application to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of this Application. Some of these services work through geographically distributed servers, making it difficult to determine the actual location where the Personal Data are stored.
    Amazon Web Services (AWS) (Amazon)
    Amazon Web Services is a hosting and backend service provided by Amazon.com Inc.

    Personal Data collected: various types of Data as specified in the privacy policy of the service.
    Place of processing: See the Amazon privacy policy – Privacy Policy.
    Microsoft Azure (Microsoft Corporation)
    Microsoft Azure is a hosting service provided by Microsoft Corporation.

    Personal Data collected: various types of Data as specified in the privacy policy of the service.
    Place of processing: US – Privacy Policy.


  • Infrastructure monitoring
    This type of service allows this Application to monitor the use and behavior of its components so its performance, operation, maintenance and troubleshooting can be improved.
    Which Personal Data are processed depends on the characteristics and mode of implementation of these services, whose function is to filter the activities of this Application.
    Crashlytics (Google Inc.)
    Crashlytics is a monitoring service provided by Google Inc.

    Personal Data collected: geographic position; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example); various types of Data as specified in the privacy policy of the service.
    Place of processing: US – Privacy Policy.


  • Location-based interactions
    Geolocation (This Application)
    This Application may collect, use, and share User location Data in order to provide location-based services.
    Most browsers and devices provide tools to opt out from this feature by default. If explicit authorization has been provided, the User’s location data may be tracked by this Application.

    Personal Data collected: geographic position.
    Non-continuous geolocation (This Application)
    This Application may collect, use, and share User location Data in order to provide location-based services.
    Most browsers and devices provide tools to opt out from this feature by default. If explicit authorization has been provided, the User’s location data may be tracked by this Application.
    The geographic location of the User is determined in a manner that isn't continuous, either at the specific request of the User or when the User doesn't point out its current location in the appropriate field and allows the application to detect the position automatically.

    Personal Data collected: geographic position.


  • Registration and authentication
    By registering or authenticating, Users allow this Application to identify them and give them access to dedicated services.
    Depending on what is described below, third parties may provide registration and authentication services. In this case, this Application will be able to access some Data, stored by these third party services, for registration or identification purposes.
    Facebook Authentication (Facebook, Inc.)
    Facebook Authentication is a registration and authentication service provided by Facebook, Inc. and is connected to the Facebook social network.

    Personal Data collected: various types of Data as specified in the privacy policy of the service.
    Place of processing: US – Privacy Policy.
    Direct registration (This Application)
    The User registers by filling out the registration form and providing the Personal Data directly to this Application.

    Personal Data collected: email address; first name; last name.


  • Social features
    Inviting and suggesting friends (This Application)
    This Application may use the Personal Data provided to allow Users to invite their friends - for example through the address book, if access has been provided - and to suggest friends or connections inside it.

    Personal Data collected: Various types of Data.
    Public profile (This Application)
    Users may have public profiles that other Users can display. In addition to the Personal Data provided, this profile may contain Users' interactions with this Application.

    Personal Data collected: address; city; company name; country; email address; first name; geographic position; last name; picture.


Further information about Personal Data

  • Prohibited Uses
    You may use Chat Find only for lawful purposes. You may not use Chat Find:

    In any way that breaches any applicable local, national or international law or regulation.
    In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose or effect.
    To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
    To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar request (commonly known as ‘spam’).
    To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.


  • Content Standard
    You will not post photos or other content that are discriminatory, violent,nude, partially nude, unlawful, pornographic, sexually related, infringing or hateful via the Service.


  • Basic Terms
    As a user when you access or use Chat Find you, you agree to be held accountable by these “Terms of Use.” 

    The Terms of Use policy will impact your legal rights and obligations. Do not access or use Viral Vote if you do not wish to adhere to Chat Find’s Terms of Use. 

    1. Not for the use of individuals under the age of 13 years old. 

    2. There is to be no creation or submissions of unwanted comments, likes, emails or alternative forms of 
    harassing or commercial communications (ie. Spam) to any Chat Find User.

    3. We reserve the rights to decline access to Chat Find from anyone at any time for any reason.

    4. We reserve the right, in our sole discretion, to change this Privacy Policy ("Updated Policy") from time 
    to time. Unless we make a change for legal or administrative reasons, we will provide reasonable
    advance notice before the Updated Terms become effective. You agree that we may notify you of the
    Updated Terms by posting them on the Service, and that your use of the Service after the effective 
    date of the Updated Terms (or engaging in such other conduct as we may reasonably specify) 
    constitutes your agreement to the Updated Terms. Therefore, you should review these Terms of Use
    and any Updated Terms before using the Service. The Updated Terms will be effective as of the time
    of posting, or such later date as may be specified in the Updated Terms, and will apply to your use of
    the Service from that point forward. These Terms of Use will govern any disputes arising before the
    effective date of the Updated Terms.

    5. We reserve the right to force forfeiture of any username for any reason.

    6. We may, but have no obligation to, remove, edit, block, and/or monitor Content or accounts
    containing Content that we determine in our sole discretion violates this Privacy Policy.

    7. You are solely responsible for your interaction with other users of the Service, whether online or
    offline. You agree that Instagram is not responsible or liable for the conduct of any user. Viral Vote
    reserves the right, but has no obligation, to monitor or become involved in disputes between you and
    other users. Exercise common sense and your best judgment when interacting with others, including
    when you submit or post Content or any personal or other information.

    8. Your correspondence and business dealings with third parties found through the service is solely
    between you and the third party. 

    9. You agree that you are responsible for all data charges you incur through use of the Service

    10. Chat Find does not claim ownership of any Content that you post on or through the Service. Instead,
    you hereby grant to Chat Find,it's partners and holding company a non-exclusive, fully paid and
    royalty-free, transferable, sub-licensable, worldwide license to use the Content that you post on or
    through the Service, subject to the Service's Privacy Policy,


  • User Agreement for PayPal Services - Part 1
    YOU AGREE THAT THIS USER AGREEMENT WILL BE EFFECTIVE AS TO ALL USERS ON JUNE 25, 2016

    This Agreement is a contract between you and PayPal Pte. Ltd., a Singaporean company, 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 and the Acceptable Use Policy. You should read all of these terms carefully.

    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. If the revised version includes a Substantial Change, we will provide you with 30 Days' prior notice of any Substantial Change by posting a notice on the "Policy Updates" page of our website. All future changes set out in the Policy Update already published on the “Legal Agreements” page of the PayPal website at the time you register for the PayPal Services are incorporated by reference into this Agreement and will take effect as specified in that Policy Update.

    Consumer advisory - The PayPal payment service is regarded as a stored value facility under Singapore law. PayPal Pte. Ltd., the holder of the PayPal stored value facility, does not require the approval of the Monetary Authority of Singapore. Consumers (Users) are advised to read these terms and conditions carefully.

    This is an important document which you must consider carefully when choosing whether to use the PayPal Services. Please note the following risks of using the PayPal Services:

    Payments received in your Account may be reversed at a later time, for example, if a payment is subject to a Chargeback, Reversal, Claim or is otherwise invalidated. This means that a payment may be reversed from your Account after you have provided the sender the goods or services that were purchased.

    If you are a Seller, you can lower the risk of a payment being reversed from your Account by following the criteria set out in the Seller Protection section and by following the other guidance provided in the "Security Center 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 funds if you violate this Agreement, the PayPal Acceptable Use Policy, or any other agreement you enter into with PayPal.

    You are solely responsible for understanding and complying with any and all laws, rules and regulations of your specific jurisdiction that may be applicable to you in connection with your use of the PayPal Services, including but not limited to, those related to export or import activity, taxes or foreign currency transactions.

    This Agreement is not a solicitation of the PayPal Services and PayPal is not targeting any country or market through this Agreement.

    1. Payment Services and Eligibility.

    1.1 Payment Services. 
    PayPal is a payment services provider and acts as such by creating, hosting, maintaining and providing our PayPal Services to you via the Internet. Our services allow you to send payments to anyone with a PayPal Account, and, where available, to receive payments. Our service availability varies by country. We offer services in compliance with local laws and regulations. Click here to see which services are available in your country of residence.

    PayPal is not a remittance business or a money transfer service and the Personal Payments feature may not be used to remit funds to third parties.

    We do not have any control over, and are not responsible or liable for, the products or services that are paid for with our PayPal Service. We cannot ensure that a buyer or a Seller you are dealing with will actually complete the transaction.

    PayPal is not a common carrier or public utility.

    1.2 Eligibility. 
    To be eligible to use the PayPal Services, you must be at least 18 years old or higher based on the age of majority in your jurisdiction, and a resident of one of the countries listed on the PayPal Worldwide page.

    You must list your correct country of residence in your Account. This Agreement applies only to Users who are residents of one of the countries listed in Section 1.1 above. If you are a resident of another country, you may access the agreement that applies to you from our website in your country.

    1.3 Information. 
    In order to open and maintain an Account, you must provide us with correct and updated Information.
    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 effectively. 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 view 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.
    Identity Verification. 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 or documentation, requiring you to provide a taxpayer or national identification number, 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.
    Credit Report Authorization. If you open a Business Account, you are providing PayPal with your written instructions and authorization in accordance with any applicable law 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 request certain new products, or (b) at any time PayPal reasonably believes there may be an increased level of risk associated with your Business Account.
    Updates to Information. If your credit card number or expiration date changes, we may acquire that information from our financial services partner and update your Account.

    1.4 Beneficial Owner.
    You must be the beneficial owner of the Account, and conduct business only on behalf of yourself.


    2. Sending Payments.

    2.1 Sending Limits. 
    We may, at our discretion, impose limits on the amount of payments you can send through the PayPal Services. 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.

    2.2 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 (subject to availability based on your Payment Methods and country of registration):

    Balance
    Instant Transfer from your bank account
    Debit card
    Credit card
    eCheck
    Note: If you do not want to use your balance, you must withdraw it before making a payment.

    2.3 Cards as Payment Methods. 
    By adding a debit card or credit card as a Payment Method, you are providing PayPal with continuous authority to automatically charge that card to obtain the relevant funds when the card is used as a Payment Method pursuant to this Agreement. You can stop the continuous authority in respect of any card by removing that card as a Payment Method in your Account Profile.

    2.4 Preferred Payment Method. 
    You may select a Preferred Payment Method each time you make a payment, except for a Preapproved Payment or a No Log-In Payment.

    For a Preapproved Payment and, 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 through the My Preapproved Payments section of your Account Profile.

    If you select a Preferred Payment Method but have available balance in your Account, your balance will be used to fund your payment. If eCheck is your Preferred Payment Method, it will be used to fund your PayPal payment, even if you have a balance. PayPal may limit the Payment Methods available for a transaction.

    2.5 Refused and Refunded Payments. 
    When you send a payment, the recipient is not required to accept it. Any unclaimed, refunded or denied payment will be returned to your balance or to your original Payment Method. We will return any unclaimed payment to you within 30 Days of the date you initiated the payment.

    2.6 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 will be determined at the time the Merchant processes your payment and completes the transaction.

    2.7 Preapproved Payments. 
    A Preapproved 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 two (2) Business Days of any Preapproved Payment made from your Account, you will receive a confirmation of this transaction by email.

    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 PayPal 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.

    2.8 Stopping a Preapproved Payment. 
    You may stop a Preapproved Payment at any time up to 3 Business Days prior to the date the next payment is scheduled to be made by notifying PayPal. To stop a Preapproved Payment, 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 1-402-935-2050 (in the U.S.). Once you contact PayPal to stop a Preapproved Payment, all future 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 for 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.


    3. Eligibility for Use.

    3.1 Ability to Receive Payments. 
    The ability to receive payments varies by country. To determine whether you have the ability to receive payments, click here.

    3.2 Automatic Transfer Countries. 
    If you are a resident of an Automatic Transfer Country, then you have the ability to receive payments but you must withdraw the full amount of your payment through an available withdrawal method. If you do not do so, the amounts will be automatically withdrawn from your Account to your withdrawal method on a regular basis. For additional terms regarding Automatic Transfer, please click here.

    3.3 Liability for Invalidated Payments. 
    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 Exhibit A (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 must reimburse PayPal through other means. If a sender of a payment files a Chargeback, the card issuer, not PayPal, will determine who wins the Chargeback.

    3.4 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 is not higher than the handling fee you charge for non-PayPal transactions.

    3.5 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.

    3.6 Preapproved Payments and/or No Log-In Payments. 
    If you receive Preapproved Payments and/or No Log-In Payments you must receive your buyer’s Authorization to the payment amount, frequency and duration prior to submitting the payment.

    3.7 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, then 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.

    Currency Amount:

    Currency Amount

    Australian Dollar:$9.99 AUD 
    New Zealand Dollar:$9.99 NZD
    Brazilian Real:R$7.99 BRL 
    Norwegian Krone:29.99 NOK 
    Canadian Dollar:$3.99 CAD 
    Philippine Peso:499.99 PHP 
    Czech Koruna:99.00 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:999.00 HUF 
    Taiwan New Dollar:249.00 TWD 
    Israeli New Shekel:15.99 ILS 
    Thai Baht:249.99 THB 
    Japanese Yen:¥999.00 JPY 
    U.K. Pound Sterling:£3.99 GBP 
    Mexican Peso:$39.99 MXN 
    U.S. Dollar:$3.99 USD 


    4. Account Balances.

    4.1 Balances. 
    If you hold a balance, PayPal will hold your funds in pooled accounts separate from its corporate funds, and it will not use your funds for its operating expenses or for any other corporate purposes. PayPal will not voluntarily make your funds available to its creditors in the event of bankruptcy. You will not receive interest or other earnings on the amounts in your balance. PayPal may receive interest on amounts that PayPal holds on your behalf. You agree to assign your rights to PayPal for any interest derived from your funds.

    4.2 Setoff of Past Due Amounts. 
    If you have a past due amount owed to PayPal, an Affiliate, or eBay PayPal may debit your Account to pay any amounts that are more than 180 Days past due.

    4.3 Negative Balances and Multiple Currencies.
    If your Account has a negative balance, PayPal may set-off the negative balance with any funds that 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 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. Withdrawing Money.

    5.1 How to Withdraw Money. 
    Depending on the country in which your Account is registered, you may withdraw funds from your Account in any of these methods: (a) by electronically transferring them to your U.S. bank account or to your local bank account, (b) by electronically transferring them to your Visa branded card, (c) through a PayPal initiated Automatic Transfer to your linked financial instrument, or (d) by requesting a physical check through the mail. In certain countries, your ability to withdraw to a local bank account may require the use of PayPal Retiros. Different currency rules may apply to PayPal Retiros. Please see terms and conditions for additional information regarding the service. Depending on the country in which your Account is registered, the currencies in which you may withdraw your funds to your local bank account may be limited. With the exception of Users with Accounts registered in the People’s Republic of China or unless otherwise specified, when withdrawing your funds to your local bank account, funds may only be withdrawn in your local currency. If you are holding a balance in U.S. Dollar, you may be able to withdraw the funds to your linked U.S. bank account. If you are holding a balance in a foreign currency, you may only withdraw that balance (or part thereof) after it has been converted to (a) the local currency if you are withdrawing your funds to your local bank account or (b) U.S. Dollar if you are withdrawing your funds to your linked U.S. bank account. Depending on the country in which your Account is registered, you may be able to withdraw your funds through a third party service provider. Please see terms of such third party for information regarding currency conversions.

    Generally, we will send checks only to confirmed addresses, unless you have a Verified Account. We will not send checks to post office 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 (minus a Fee). 

    5.2 Withdrawal Limits. 
    Depending on the degree to which you have Verified your Account, we may limit your ability to withdraw funds until you comply with our requests for information. 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. Please see terms and conditions of the PayPal Retiros service for information regarding the limits applicable to such service. 

    5.3 Withdrawal Fees. 
    When withdrawing your balance, you will be charged the Withdrawing your Balance Fee as set out in Exhibit A (Fees) depending on the method of withdrawal. In addition, if you withdraw your balance in a currency other than the currency in which the balance on your Account is denominated, you will additionally be charged Currency Conversion Fees as set out in Exhibit A (Fees).


    6. Closing Your Account.

    6.1 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.

    6.2 Limitations on Closing Your Account. 
    You may not evade an investigation by closing your Account. If you close your Account while we are conducting an investigation, we may hold your funds to protect PayPal, 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.


    7. PayPal Buyer Protection.

    7.1 Types of Problems Covered. 
    PayPal Buyer Protection helps you if you encounter either of these problems:

    "Item Not Received" (INR): You did not receive the item you paid for with PayPal; or
    "Significantly Not as Described" (SNAD) You received an item you paid for with PayPal but it is Significantly Not as Described (SNAD).

    If your problem is a transaction that you did not authorize, please see section 8 below.
    An item is "Significantly Not as Described" (SNAD) if it is materially different from what the Seller described on its website or 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 materially damaged during shipment.
    An item is not Significantly Not as Described (SNAD) 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.

    7.2 Eligibility Requirements.

    To be eligible for PayPal Buyer Protection you must meet all of the following requirements:
    Open a Dispute within 180 Days of the date you sent the payment – then follow the online dispute resolution process described below under "Dispute Resolution"
    You must respond to PayPal’s request for documentation and other information in a timely manner
    Have an Account in good standing

    You have not received a recovery related to such purchase from another source
    7.3 Ineligible Items. Payments for the following are not eligible for reimbursement under PayPal Buyer Protection:

    Real estate
    Businesses (when you buy a business)
    Vehicles, including motorcycles, caravans, aircrafts and boats
    Significantly Not As Described Claims for custom made items
    Payments on crowdfunding platforms
    Items that violate PayPal's Acceptable Use Policy
    For Item Not Received (INR) items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale
    Industrial machinery used in manufacturing
    Stored value items such as gift cards and pre-paid cards
    Gambling, gaming and other activity with an entry fee and a prize
    Anything purchased from or an amount paid to a government agency
    Personal Payments
    Donations made to charities or non-profit organizations
    Even if your payment is not eligible for PayPal Buyer Protection, you can file a Dispute and resolve the issue directly with the Seller, however, PayPal will not find in your favor if you escalate a Dispute to a Claim when an item is not eligible for PayPal Buyer Protection.

    7.4 Coverage Amount. 
    If you are eligible for PayPal Buyer 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.

    PayPal will not reimburse you for the return shipping costs that you incur to return a Significantly Not as Described (SNAD) 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 (INR) Claim even if you did not receive the goods.

    7.5 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 to negotiate with the Seller for resolution of the Dispute.
    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) Claim. If you do not escalate the Dispute to a Claim within 20 Days, PayPal will permanently 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 will generally require you, at your expense, to ship the item back to the Seller, or to PayPal, or to a third party and to provide proof of delivery.

    For transactions that total less than $250 USD (or the equivalent in other currencies as listed below), proof of delivery is confirmation that can be viewed online and includes the delivery address showing at least city/state or postal code, 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 $250 USD or more (or the equivalent in other currencies as listed in the table below), you must also get a signature confirmation of the delivery (except for buyers having a PayPal Account registered: in Albania, Andorra, Bosnia and Herzegovina, Croatia, Iceland, Israel, or Ukraine to whom such requirement won’t apply).

    $250 USD signature confirmation requirement – other currencies equivalents:

    Currency Amount
    Australian Dollar: $350 AUD
    New Zealand Dollar:$380 NZD
    Brazilian Real:R$500 BRL
    Norwegian Krone: 1,600 NOK
    Canadian Dollar:$325 CAD
    Philippine Peso:12,500 PHP
    Czech Republic Koruna:6,000 CZK
    Polish New Zloty:800 PLN
    Danish Krone:1,500 DKK
    Russian Ruble:8,500 RUB
    Euro:200 EUR
    Singapore Dollar:$400 SGD
    Hong Kong Dollar:$2,000 HKD
    Swedish Krona:2,000 SEK
    Hungarian Forint:55,000 HUF
    Swiss Franc:330 CHF
    Israeli New Shekel:1,000 ILS
    Taiwan New Dollar:8,250 TWD
    Japanese Yen:¥28,000 JPY
    Thai Baht:9,000 THB
    Malaysian Ringgit:1,000 MYR
    U.K. Pound Sterling:£150 GBP
    Mexican Peso:$2,200 MX
    U.S. Dollar:$250.00 USD

    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. 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 are a Seller and 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 will not receive the item back.

    7.6 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 its sole discretion, refund the transaction without requiring you to escalate the Dispute to a Claim.


    Currency Amount
    Australian Dollar:$9.99 AUD
    New Zealand Dollar:$9.99 NZD
    Brazilian Real:R$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: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


    PayPal may limit the number of Digital Goods refunds that you may receive. If these are limited or if your purchase is not eligible for coverage, you will still be able to follow PayPal’s standard dispute resolution processes described in this Section 7 to attempt to resolve the issue with the Seller directly.

    7.7 Relationship between PayPal's protection programs and Chargebacks. 
    Credit card Chargeback rights, if they apply, may be broader than PayPal’s protection programs. Chargebacks may cover unsatisfactory items even if they do not qualify as SNAD. 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 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.

    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.

    7.8 Claims filed with Seller or other third parties. 
    You may not file a Dispute/Claim under PayPal Buyer Protection if you have already filed a claim with the Seller or another third party (other than eBay).

    7.9 No Double Recovery. 
    You may not receive a recovery for a purchase under PayPal Buyer Protection if you have already received a recovery for that purchase directly from the Seller or another third party.


    8. Errors and Unauthorized Transactions.

    8.1 Protection for Unauthorized Transactions and Errors. 
    When an Unauthorized Transaction or an Error occurs in your Account, PayPal will cover you for the full amount of every eligible Unauthorized Transaction or Error so long as you follow the procedures discussed below.

    An Unauthorized Transaction occurs when a payment 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.

    8.2 Notification Requirements.

    You should immediately notify PayPal if you believe:
    there has been an Unauthorized Transaction or unauthorized access to your Account;
    there is an Error in your Account history statement (you can access your Account history statement by logging into your Account and clicking on a link to “View all of my transactions” ) or in your transaction confirmation sent to you by email;
    your password or PayPal Mobile PIN has been compromised;
    your PayPal Mobile-activated phone has been lost, stolen or deactivated; or
    you need more information about a transaction listed on the statement or transaction confirmation.
    To be eligible for protection for Unauthorized Transactions, you must notify us within 60 Days after any Unauthorized Transaction first appears in your Account history statement. We will extend the 60 Day time period if a good and demonstrable 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 history statement to ensure that there has not been an Unauthorized Transaction or 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. You should also review these transaction confirmations to ensure that each transaction was authorized and is accurate.

    For Unauthorized Transactions or Errors in your Account, notify us as follows:

    Use this form to file a report in the PayPal Resolution Center; or
    Write to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950; or
    Call PayPal Customer Service at (402) 935-7733 (in the U.S.).
    When you notify us, provide us with all of the following information:

    Your name and email address registered to your Account;
    A description of any suspected Unauthorized Transaction or Error and an explanation as to why you believe it is incorrect or why you need more information to identify the transaction; and
    The amount of any suspected Unauthorized Transaction or 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.

    8.3 PayPal Actions after Receipt of Your Notification. 
    Once you notify us of any suspected Unauthorized Transaction or 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 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 Transactions or 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 Unauthorized Transaction or 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 Unauthorized Transaction or Error, we will promptly credit the full amount 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 Unauthorized Transaction or 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.

    8.4 PayPal Errors.
    We will rectify any 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.

    8.5 Your Errors. 
    If you erroneously send a payment to the wrong party, or send a payment for the wrong amount (based on a typographical error, for example), your only recourse will be to contact the party to whom you sent the payment and ask them to refund the payment. PayPal will not reimburse you or reverse a payment that you have made in error.


    9. PayPal Seller Protection.
    For seller protection terms for sellers in China, Hong Kong, Korea, New Zealand and Taiwan, click here.

    For seller protection terms for sellers in Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam, click here.

    For seller protection terms for sellers in India, click here.

    For seller protection terms for sellers in Turkey and Israel, click here.


    9.1 PayPal Seller Protection.

    PayPal Seller Protection is protection we provide to 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. If you sell or market to buyers in other countries, you should read the PayPal Buyer Protection policies of the countries in which your target buyers are based (the relevant PayPal Buyer Protection policies are available here) as these policies will apply to you as a Payment Recipient or Seller.

    9.2 Scope of Protection.
    PayPal will protect you for the full amount of the eligible payment and waive the Chargeback Fee, if applicable.

    9.3 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 Transactions protection you must meet both the Basic Requirements and the Unauthorized Transactions Additional Requirements listed below under (c)

    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.
    Item Not Received Additional Requirements:
    The payment must be marked "eligible" or "partially eligible" for PayPal Seller Protection on the Transaction Details Page.
    You must have a Proof of Delivery as described below in Section 9.4.
    You must ship the item within 7 Days of receipt of payment. Or, if the payment is for pre-ordered or made-to-order goods, shipment is required within the timeframe specified in your item listing.
    Unauthorized Transactions Additional Requirements:
    The payment must be marked "eligible" for PayPal Seller Protection on the Transaction Details Page.
    You must have a Proof of Shipment or a Proof of Delivery as described below in Section 9.4.

    9.4 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, showing at least the city/state or postal code (or international equivalent).
    "Proof of Delivery (for tangible items)" is online documentation from a shipping company that includes all of the following:

    The date the item is delivered.
    The recipient's address, showing at least the city/state or postal code (or international equivalent).
    Signature Confirmation as described below for payments of $750 USD or more (or the following equivalents), save for Sellers having a PayPal Account registered in Albania, Andorra, Bosnia and Herzegovina, Croatia, and Ukraine to whom such requirement won’t apply):

    Currency Amount
    Australian Dollar $850 AUD
    New Zealand Dollar $950 NZD
    Brazilian Real R$1,750 BRL
    Norwegian Krone 4,600 NOK
    Canadian Dollar $850 CAD
    Philippine Peso 34,000 PHP
    Czech Republic Koruna15,000 CZK
    Polish New Zloty 2,300 PLN
    Danish Krone 4,100 DKK
    Russian Ruble 27,000 RUB
    Euro 550 EUR
    Singaporean Dollar $950 SGD
    Hong Kong Dollar $6,000 HKD
    Swedish Krona 4,950 SEK
    Hungarian Forint 170,000 HUF
    Swiss Franc 700 CHF
    Israeli New Shekel 2,700 ILS
    Taiwan New Dollar 23,000 TWD
    Japanese Yen ¥77,000 JPY
    Thai Baht 24,500 THB
    Malaysian Ringgit 2,500 MYR
    U.K. Pound Sterling £450 GBP
    Mexican Peso $10,000 MXN
    U.S. Dollar $750 USD

    "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.
    “Proof of Delivery (for intangible or virtual items or services)” means any compelling evidence to show the purchase order was fulfilled and includes all of the following:

    The date the item or service was provided;
    The recipient’s address (email/IP, etc) where applicable.
    NOTE: Although Buyer Protection extends coverage to buyers for intangible items, Seller Protection does not apply to intangible items.

    9.5 Items/Transactions not Eligible for PayPal Seller Protection.

    The following are examples of items/transactions not eligible for PayPal Seller Protection:

    Claims or Chargebacks for Significantly Not as Described.
    Items that you deliver in person, including at a point of sale.
    Intangible items, including Digital Goods and services.
    Items equivalent to cash (including, without limitation, gift cards or vouchers).
    PayPal Direct Payments (including Virtual Terminal Payments and Website Payments Pro/Plus payments).
    Items that are not shipped to the recipient address. If you originally ship the item to the recipient address 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.

    10. Restricted Activities
    .
    10.1 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:

    Breach this Agreement, the Commercial Entity Agreement, the Acceptable Use Policy or any other Policy that you have agreed to with PayPal;
    Violate any law, statute, ordinance, or regulation;
    Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy;
    Sell counterfeit goods;
    Act in a manner that is defamatory, trade libelous, threatening or harassing to our employees, agents or other Users;
    Provide false, inaccurate or misleading Information;
    Engage in potentially fraudulent or suspicious activity and/or transactions;
    Refuse to cooperate in an investigation or provide confirmation of your identity or any Information you provide to us;
    Receive or attempt to receive funds from both PayPal and the Seller, bank or card issuer for the same transaction during the course of a Dispute;
    Control an Account that is linked to another Account that has engaged in any of these Restricted Activities;
    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 and other liability to PayPal, other Users, third parties or you;
    Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal Services;
    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;
    Allow your Account to have a negative balance;
    Use a credit card with your Account to provide yourself a cash advance (or help others to do so);
    Access the PayPal Services from a country that is not listed on PayPal's Worldwide page.
    Disclose or distribute another 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;
    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;
    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;
    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; or
    Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers.

    11. Your Liability - Actions We May Take.

    11.1 Your Liability.

    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.
    Liability for Claims under PayPal Buyer Protection. If you are a Seller and 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 Buyer Protection policy of that country that the funds received should be returned or reversed, you will be 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 available here). 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), and the PayPal Fees that you were charged for the transaction. PayPal Seller Protection will cover your liability for eligible Claims based on Item not Received, and eligible Unauthorized Transactions - see Section 9 (PayPal Seller Protection) above.

    If a buyer files a Significantly Not as Described (SNAD) Claim for an item he or she 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 on 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 might not receive the item back from the buyer (for instance, it may be disposed of or otherwise irreversibly dealt with). PayPal Seller Protection will not cover your liability for SNAD Claims.
    Liability for claims filed under eBay’s Money Back Guarantee program. 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. 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. 
    Liability for instructions given by you on your Account. Any instructions given by you on your Account (whether verbal or in writing) once you have been authenticated will be relied on by PayPal. PayPal will not be liable for any loss or damage you or anyone else suffers where PayPal acts on those instructions in good faith, unless it was proved that PayPal was negligent.

    11.2 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 negative balance up to the amount of your liability, and you will be required to immediately Add Money to your PayPal balance or reimburse PayPal through an alternative method. If you do not do so, PayPal may engage in collection efforts to recover such amounts from you.

    11.3 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, Affiliates 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:

    We may close, suspend, or limit your access to your Account or the PayPal Services;
    We may suspend your eligibility for PayPal Buyer Protection and/or PayPal Seller Protection;
    We may refuse to provide the PayPal Services to you now and in the future; and
    We may hold your funds for a period of time reasonably needed to protect against the risk of liability to PayPal or a third party, or if we believe that you may be engaging in potentially fraudulent or suspicious activity and/or transactions.

    11.4 Actions by PayPal - Holds.

    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 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 as pending balance or withheld and the payment status will indicate the hold. 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 30 Days from the date the payment was received into your Account unless PayPal has a reason to continue to hold the payment such as (a) the receipt of a Dispute, Claim, Chargeback, or Reversal, (b) PayPal believes that you have violated the terms of this Agreement or any other Policy and that such a violation results in the need to continue holding the funds, or (c) PayPal believes that you may be engaging in potentially fraudulent or suspicious activity and/or transactions. In such an event, PayPal may continue holding the payment in your Account until the matter is resolved pursuant to this Agreement. PayPal, in its sole discretion, may release the hold earlier under certain circumstances, for example when you upload tracking information of the item you shipped.
    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.

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

    11.6 Actions by PayPal - Account Closure, Termination of Service, Limited Account Access; Confidential Criteria. 
    PayPal, in its sole discretion, reserves the right to terminate this Agreement and/or access to the PayPal Services for any reason and at any time upon notice and payment to you of any unrestricted funds held in your balance. If we limit access to your Account, including through a Reserve or hold, we will provide you with notice of our actions, and the 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, placing holds or imposing Reserves, may be based on confidential criteria that is essential to our management of risk, 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 its security procedures to you.

    11.7 Acceptable Use Policy Violations. 
    If you violate the Acceptable Use Policy then in addition to the above actions you will be liable to PayPal for the amount of PayPal’s damages for each violation of the Acceptable Use Policy. You agree that $2,500.00 USD (or equivalent) per transaction in 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.


    12. Disputes with PayPal.

    12.1 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 (in the U.S.) from 6 AM to midnight, U.S. Central Time.

    12.2 Arbitration. 
    For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD (or other currencies equivalents), the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through the Singapore International Arbitration Centre or any other established alternative dispute resolution (“ADR”) provider mutually agreed upon by the parties. The ADR provider and the parties must comply with the following rules: a) the arbitration shall be conducted by telephone, online and/or be solely based on written submissions, the specific manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

    12.3 Law and Forum for Disputes. 
    Except as otherwise agreed by the parties or as described in Section 12.2 above, you agree that any claim or dispute you may have against PayPal must be resolved by a court located in Singapore or where the defendant is located. You agree to submit to the personal jurisdiction of the courts located within Singapore for the purpose of litigating all such claims or disputes. This Agreement shall be governed in all respects by the laws of Singapore as such laws are applied to agreements entered into and to be performed entirely within Singapore, without regard to conflict of law provisions.

    12.4 Improperly Filed Litigation. 
    All claims you bring against PayPal must be resolved in accordance with Section 12 of this Agreement. All claims filed or brought contrary to Section 12 shall be considered improperly filed and a breach of this Agreement. Should you file a claim contrary to Section 12, PayPal may recover attorneys’ fees and costs (including in-house attorneys and paralegals) up to $1,000.00 USD, provided that PayPal has notified you in writing of the improperly filed claim, and you have failed to promptly withdraw the claim.

    12.5 Notices to You. 
    You agree that PayPal may provide you Communications about your Account, the PayPal Services and this Agreement electronically. PayPal reserves the right to close your Account if you withdraw your consent to receive electronic Communications. Any electronic Communications will be considered to be received by you within 24 hours of the time we post it to our website or email it to you. Any notice sent to you by postal mail will be considered to be received by you 3 Business Days after we send it.

    12.6 Notices to PayPal. 
    Except as otherwise stated above in Section 8 (Errors and Unauthorized Transactions) and Section 12.1, notice to PayPal must be sent by postal mail to: PayPal Pte. Ltd., Attention: Legal Department, 5 Temasek Boulevard #09-01, Suntec Tower Five, Singapore 038985.

    12.7 Insolvency Proceedings. 
    If any proceeding by or against you is commenced under any provision of any 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.

    12.8 Release of PayPal. 
    If you have a dispute with one or more Users, you release PayPal and Affiliates (and their officers, directors, agents, joint ventures, employees and suppliers) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.


    13. General Terms.

    13.1 Limitations of Liability.
    IN NO EVENT SHALL WE, OUR PARENT, SUBSIDIARIES AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES OR SUPPLIERS 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, SUBSIDAREIS AND AFFILIATES, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.

    13.2 Services Limitation. 
    PayPal is not a bank and the PayPal Services are payment processing services rather than banking services. PayPal is not acting as a trustee, fiduciary or escrow with respect to your funds, but is acting only as an agent and custodian. PayPal does not have control of, nor 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.

    13.3 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, OUR OFFICERS, DIRECTORS, AGENTS, JOINT VENTURES, EMPLOYEES AND OUR SUPPLIERS 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 temporarily suspended for maintenance or upgrade or 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 mail service. Some jurisdictions 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 country to country.

    13.4 Indemnification. 
    You agree to defend, indemnify and hold PayPal, Affiliates, and our officers, directors, agents, joint ventures, employees and suppliers harmless from any claim, demand (including attorneys’ fees), fine, or other liability incurred by any third party due to or arising out of your or your employees’ or agents’ breach of this Agreement and/or use of the PayPal Services.

    13.5 PayPal License Grant to You.
    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 respective 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 which 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.

    13.6 License Grant from You to PayPal; IP Warranties. 
    Subject to section 13.7, 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.


  • User Agreement for PayPal Services - Part 2
    13.7 License Grant from Merchants to PayPal. 
    Section 13.6 notwithstanding, if you are a Merchant using PayPal Services, you grant PayPal the worldwide right to use and depict your business name, trademarks, and logos on our website and in PayPal’s mobile and web-based application for the purpose of identifying and referring to your business and your products and services and facilitating consumer transactions with you. 

    13.8 Intellectual Property. "PayPal.com," "PayPal”, “PayPal.com.cn”, “PayPal.com.c2”, “PayPal.com.hk”, “PayPal.co.il”, “PayPal.co.jp”, “PayPal.com.tr”, “PayPal.com.sg” and all other URLs, logos and trademarks related to the PayPal Services are either trademarks or registered trademarks of PayPal or its 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.

    13.9 Calls to You; Mobile Telephone Numbers. 
    By providing PayPal a telephone number (including a mobile telephone number), you consent to receiving calls, including autodialed and prerecorded messages from PayPal at that number. If we determine that a telephone number you have provided to us is a mobile telephone number, we may categorize it as such in our systems and in your Account Profile, and you consent to receive text messages from us about your use of the PayPal Services at that number.

    13.10 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.

    13.11 Password Security.
    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.

    13.12 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.

    Please be advised that you may be subject to withholding taxes or other tax liabilities with respect to importing services from a foreign entity. In addition, you may be subject to VAT, sales tax, income tax, or other tax liabilities as a seller of goods or services. It is your responsibility to check with your local tax advisor to determine which taxes apply to you, and it is your responsibility to pay such taxes to the appropriate tax authority. All Fees related to the PayPal Services are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. Any such deduction or withholding, if required by the laws of any country are your sole responsibility.

    13.13 Complete Agreement and Survival. 
    This Agreement, along with any applicable Policies 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 6 (Closing Your Account), 11 (Your Liability – Actions We May Take), 12 (Disputes with PayPal), 13 (General Terms), 14 (Definitions), and Exhibit A (Fees) as well as any other terms which by their nature should survive, will survive the termination of this Agreement. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

    13.14 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.

    13.15 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.

    13.16 No Waiver. 
    Our failure or delay to act with respect to a breach by you or others does not waive our right to act with respect to such breach or any subsequent or similar breaches.

    13.17 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. Definitions.
    "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 Payments authorizations, your selling tools, and your Account settings including your notification preferences and API Access permissions.
    "Account" or "PayPal Account" means a Personal or Business PayPal Account.
    "Add Money" or "Top Up" means your ability to transfer money from your bank account to your PayPal Account.
    "Affiliate" means PayPal Holdings Inc. or a company that is a direct or indirect subsidiary of PayPal Holdings Inc., or otherwise related to PayPal through common ownership or control.
    "Authorize" or "Authorization" means a buyer’s express authorization to a Merchant to collect a payment from the buyer’s PayPal Account.
    "Automatic Transfer Countries" means Albania, Algeria, Antigua and Barbuda, Barbados, Belize, Bosnia and Herzegovina, Dominica, Egypt, Fiji, French Polynesia, Grenada, Malawi, New Caledonia, Palau, Saint Kitts and Nevis, Saint Lucia, Seychelles, Trinidad and Tobago, Turks and Caicos.
    "Automatic Transfer" means a withdrawal of your Account balance that is initiated by PayPal. If your Account is registered in one of the Automatic Transfer Countries, then your balance will be regularly withdrawn to your linked financial instrument pursuant to these terms and conditions.
    "Business Account" means an Account used primarily for business purposes and not for personal, family, or household purposes.
    "Business Days" means Monday through Friday, excluding the official national holidays recognized in Singapore.
    "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 7 of this Agreement.
    "Commercial Entity Agreement" means the agreement that commercial entities are required to enter into directly with PayPal's payment processor(s).
    "Commercial Payment" means as defined in Exhibit A (Fees) below.
    "Communications" means any Account or transaction information that PayPal provides to you, including: any Policies you agree to, including updates to these Policies; annual disclosure; transaction receipts or confirmations; Account history statements; and tax statements we are required to make available to you.
    "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 (in the U.S.) from 6 AM to midnight U.S. 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 7 of this Agreement.
    "eBay" means eBay Inc.
    "eCheck" means a payment funded using a sender's bank account 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 U.S.
    "Error" means a processing error made by PayPal or its suppliers in which your Account is mistakenly debited or credited.
    "Fees" means those amounts stated in Exhibit A (Fees) of this Agreement.
    "Information" means any Account information that you provide to us, including but not limited to personal information, financial information, or other information related to you or your business.
    "Instant Transfer" means a payment funded using the sender's bank account 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.
    "Merchant" and “Seller” are used interchangeably and mean a User who is selling goods and/or services and using the PayPal Services to receive payments.
    "Micropayments for Digital Goods" means the PayPal Service offered to certain qualifying Merchants who sell Digital Goods that, among other things, offers micropayments pricing and integrated website tools.
    "No Log-In Payment" means a PayPal payment that is made without the sender having to log into his/her Account.
    "Payment Method" means the payment method used to fund a transaction. The following payment methods may be used to fund a transaction (subject to availability): balance, Instant Transfer, eCheck, credit card, debit card, and Redemption Codes.
    "PayPal Direct Payment" means a payment that is made directly through the buyer’s credit or debit card and not through a PayPal Account, such as payments made through Website Payments Pro.
    "PayPal Mobile" means a PayPal Service that allows you to send and receive payments through your mobile phone.
    "PayPal Seller Protection" means the protection program PayPal offers Sellers as described in Section 9.
    "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.
    "PayPal," "we," "us" or "our" means PayPal Pte. Ltd.
    "Personal Payment" means a payment to a friend or a family member for goods and/or services such as your share of the rent or a dinner bill. Personal Payments may not be used for sending gifts. Personal Payments are not available in most countries.
    "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" means a Payment Method that you select to fund a payment instead of using the Default Payment Methods.
    "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.
    "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 10 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, Affiliates, or any direct or indirect PayPal subsidiary, (c) the sender of the payment did not have authorization to send the payment (for example: the sender used a stolen credit card), (d) you received the payment for activities that violated this Agreement, the PayPal Acceptable Use Policy, or any other Policy, or (e) PayPal decided a Claim against you.
    "Seller" – see "Merchant" definition.
    "Significantly Not as Described" has the definition provided in Section 7.1 of this Agreement.
    "Substantial Change" means a change to the terms of this Agreement that reduces your rights or increases your responsibilities.
    "Top Up" – see “Add Money” definition.
    "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 Account on the PayPal website.
    "Unauthorized Transaction" means as defined in Section 8.1 of this Agreement.
    "User" means any person or entity using the PayPal Services including you.
    "Verified Account" means an Account status that reflects that PayPal has verified that an Account holder has legal control of one or more of his or her Payment Methods. 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 credit or debit card and not through an Account.
    Back to top



    Exhibit A - Fees.
    Overview. PayPal charges the following Fees:
    To view whole breakdown of fees: https://www.paypal.com/ga/webapps/mpp/ua/useragreement-full#exhibit_A

    a. Commercial Payments Fee.

    b. Additional Fees:
    -Currency Conversion Processing Fee;
    -Withdrawing your Balance Fee;
    -eCheck Fee;
    -Chargeback Fee;
    -Credit Card and Debit Card Confirmation Fee; and
    -Records Request Fee.

    c. Fees for other pricing categories:
    -Micropayments Fee;
    -Micropayment for Digital Goods Fee;
    -Mass Payments / Payouts Fee;
    -Personal Payments Fee; and

    For additional information about the Fees applicable to you view your country’s Fees page.

    Commercial Payments Fee.

    A Commercial Payment includes the following:
    -A payment for the sale of goods or services;
    -A payment received after the Seller has used the ”Request Payment” tab on the PayPal website; or
    -A payment that is sent to, or received by, a business or other commercial or non-profit entity.

    *To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria, click here. To apply for Merchant Rate, click here.
    # excludes transactions on eBay website, Website Payments Pro - Hosted Solution, Virtual Terminal, PayPal Here and carrier billing products.
    ## for transactions on eBay website only.
    Receiving International Commercial Payments in Albania, Andorra, Bosnia and Herzegovina, Croatia, Georgia, Iceland, Moldova, Monaco, Serbia.
    The Fee depends on the buyer’s country.


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

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

    *** Europe II: Albania, Andorra, Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Georgia, Hungary, Kosovo^^, Latvia, Liechtenstein, Lithuania, Macedonia, Moldova, Poland, Romania, Russia, Serbia, Switzerland, Ukraine.

    ^ Merchant Rate: To qualify for our Merchant Rate you must submit a one-time application, have a qualifying monthly sales volume, and have an Account in good standing. To view Merchant Rate criteria click here. To apply for Merchant Rate click here.

    ^^ Buyers in these countries cannot open a PayPal Account but can make purchases using their credit cards on certain merchants’ websites.

    Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or European Economic Area or in Monaco will be treated as Domestic Personal Payments for the purpose of applying Fees.
    Hotel merchant rate

    The hotel merchant rate is only available to hotel merchants with PayPal Accounts registered in Singapore, Malaysia, Indonesia, Thailand, Vietnam and Philippines that:
    integrate their point of sale with a PayPal approved internet booking engine partner at their own cost;
    hold a valid Business Account in good standing; and
    obtain approval from PayPal.
    PayPal will determine in its sole discretion whether you are approved for the hotel merchant rate. The hotel merchant rate is limited to processing payments received for goods and services relating to your hotel business only. Notwithstanding any other rights we have under this Agreement, we may in our sole discretion, immediately revoke your approval for the hotel merchant rate.

    If you are approved for the hotel merchant rate, you will pay:



    Exhibit B - Country-Specific Terms.
    These terms and conditions apply only to Account holders for Accounts registered in the following countries. In the event of a conflict between the terms of this Agreement and the term of Exhibit B herein, the terms of Exhibit B shall apply:

    Argentina

    As of October 9, 2012, Argentina Resident PayPal Users may only send and receive international payments. Domestic payments between two Argentina Resident PayPal Users is unavailable.

    *Argentina Resident” is defined to mean:

    an individual, regardless of actual nationality, who has indicated Argentina as his/her country or region at the point of signing up for a PayPal Account; and
    an entity, partnership, organization or association which has indicated Argentina as its country or region of registration at the point of signing up for a PayPal Account.
    China

    If you are using a service (“Third Party Service”) offered by a PayPal partner bank or licensed foreign-exchange service provider (“Service Provider”), please see the terms and conditions with the Service Provider for additional information relating to that service.
    In case of any dispute, demands, actions, proceedings ("Disputes") between you and the partner bank on account of delayed or non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal Account to the Service Provider.
    You acknowledge and agree that PayPal may share information provided by you in accordance with PayPal’s Privacy Policy and the terms of the agreement between you and PayPal with the Service Provider in order to enable the Service Provider to conduct the requisite due diligence in accordance with Service Provider’s Know-your-customer (KYC) obligations.
    PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any (i) failure; (ii) interruption; (iii) defect; or (iv) negligent or willful misuse of the Third Party Service; or (v) consequences arising out of delayed or non-receipt of funds withdrawn through the Third Party Service.
    Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.


    Colombia

    As of 1 September 2015, Colombian Resident PayPal Users may only send and receive international payments. Domestic payments between two Colombian Resident PayPal Users are unavailable.

    “Colombian Resident” is defined to mean:

    an individual, regardless of actual nationality, who has indicated Colombia as his/her country or region at the point of signing up for a PayPal Account; and
    an entity, partnership, organization or association which has indicated Colombia as its country or region of registration at the point of signing up for a PayPal Account.
    India

    With effect from 1 March 2011 and pursuant to notification RBI/2010-11/281 of the Reserve Bank of India, the following terms and conditions shall apply specifically to users of PayPal Services in India (“Special Terms and Conditions”):

    Definitions

    "Balance" means the Buyer's Charge paid by the Buyer as reduced by the (a) Commission Fee, (b) the Reserve Amount (defined below) and (c) amount deducted towards charge back in respect of a previous transaction (if any) which will be displayed in your PayPal Account and remitted into your bank account by the authorized dealer bank.

    "Buyer" means a person resident outside India who desires to purchase product or service from you and make payment which may be received by you into your bank account through the PayPal Service (defined below).

    "Buyer's Charge" means the sale price of the product or service purchased by the Buyer plus shipping charge (if any) and all other taxes, duties, costs, charges and expenses in respect of the product or services which are required to be paid by the Buyer to you provided that the value of the product or service shall in no event exceed USD 10,000 per transaction.

    "Commission Fee" means the fee charged by PayPal for the provision of the PayPal Service.

    "PayPal Service" means the payment gateway processing service offered by PayPal to its users resident in India for facilitation of receipt of payments from Buyer for remittance into their bank account.

    "Reserve Amount" means the amount out of the Buyer's Charge calculated and determined by PayPal and the authorized dealer bank which is deposited with the authorized dealer bank in order to meet your potential charge back liabilities.

    Nature of Service
    The PayPal Service offered to you is not a stored value service. The PayPal Service is in the nature of a payment gateway processing service and meant exclusively for facilitating online receipt by you of payments made by the Buyers.

    Eligibility for Use of Service
    In order to avail the PayPal Service, in addition to the eligibility criteria provided for in this Agreement, you shall be required to have or open a fully functional bank account which has been duly verified through the identity authentication and verification process provided.

    Relationship Between PayPal and You
    3.1. PayPal shall act as a service provider and an intermediary for receipt of Buyer's Charges by you and shall not act as a repository or custodian with respect to the Buyer’s Charges.

    3.2. PayPal shall only be responsible for depositing your Balance with the authorized dealer bank and shall not be liable to you for the payment of your Balance upon demand.

    Procedure for Using the Service
    4.1. You agree and acknowledge that the following procedure shall be followed by you and PayPal for the facilitation of receipt of Buyer's Charges by you through the PayPal Service:

    4.1.1. You shall have or open a functional bank account;

    4.1.2. After registering for the PayPal Service, you shall have to provide "Your Information" as contemplated under this Agreement and any other information including but not limited to your bank account number and the relevant Indian Financial Systems Code which may be required by PayPal in order to verify and authenticate your bank account and activate the PayPal Service;

    4.1.3. Upon activation of PayPal Service, you may receive Buyer's Charges from Buyers through the PayPal Service;

    4.1.4. PayPal shall, after obtaining confirmation from the Buyer that the Buyer is satisfied with the condition and quality of the goods or services (“Buyer’s Confirmation”), transfer the Buyer's Charge less the Commission Fee to the authorised dealer bank;

    4.1.5. The authorised dealer bank shall deduct the Reserve Amount and if required, deduct an amount towards charge back for a previous transaction to arrive at the Balance;

    4.1.6. The Balance and the Reserve Amount held by the authorised dealer bank shall be displayed on your PayPal Account;

    4.1.7. The authorized dealer bank shall thereafter remit the Balance to India and shall pay the Balance either through direct credit (in case where your bank account is with the authorized dealer bank) or wire credit into your bank account or by issuing a demand draft in your favour.

    4.2. The transfer of the Balance into your bank account shall take place immediately upon receipt of the Buyer’s confirmation and in any event no later than 7 days of transfer by PayPal to the authorised dealer bank.

    Reserve Amount
    5.1. PayPal shall be entitled to deduct the Reserve Amount from the Buyer's Charge and deposit the same with the authorized dealer bank.

    5.2. In case the Buyer notifies PayPal that you have failed discharge your obligations under the terms of the sale contract between you and the Buyer, PayPal shall be entitled, in its sole and absolute discretion, to remit the charge back to the Buyer out of the Reserve Amount after verifying the Buyer's claim.

    5.3. You shall be entitled to receive either the Reserve Amount or, if a charge back has been made as per Section 5.2 above, the balance thereof, after expiry of a period of 180 days of receipt of the Balance.

    Restriction on Use of Service
    6.1. You agree that you shall not use the PayPal Service for exporting a product or service having a value of more than USD 10,000 per transaction.

    6.2. You agree to avail of the PayPal Service solely for receiving payment for valid and lawful transactions and not use the PayPal Service to trade or attempt to trade in any item, the dealing of which is prohibited or restricted in any manner under the provisions of any applicable law, rule, regulation or guideline for the time being in force.

    Restriction of the Use of Funds
    7.1. You agree to use the PayPal Service exclusively for the purpose of receiving Buyer's Charges.

    7.2. You may not use your balance held by the authorized dealer bank for any purpose (including but not limited to payment for imports, transfer to another Person, etc.) other than as specified in these country specific terms and conditions.

    Sharing Information
    8.1. You acknowledge and agree that PayPal may share the information provided by you and the terms of the agreement between you and PayPal with the authorised dealer bank in order to enable the authorised dealer bank to conduct the requisite due diligence in accordance with i the authorized dealer’s Know-your-customer (KYC) obligations.

    Indemnification
    In case of any dispute, demands, actions, proceedings ("Disputes") between you and the authorised dealer bank on account of non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes.

    Limitation of Liability
    10.1. It is hereby clarified that PayPal shall be liable to remit the Balance to the authorized dealer bank upon receiving the Buyer’s Confirmation.

    10.2. Upon transfer of the Balance from PayPal to the authorized dealer bank and until the remittance of the Balance and the Reserve Amount into your bank account in the manner set out in these Special Terms and Conditions, the Balance and the Reserve Amount shall be held by the authorized dealer bank.

    10.3. After the transfer of the Balance by PayPal to the authorized dealer bank, the authorized dealer bank shall be liable to pay the Balance and the Reserve Amount to your bank account in the manner set out in these Special Terms and Conditions. PayPal shall not in any way be liable to you for the same.

    10.4. PayPal shall have no responsibility for transactions carried out in good faith including charge back transactions carried out after verification in the manner provided in this Agreement.

    10.5. PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any failure or interruption of the PayPal service or consequences arising out of delayed receipt of Buyer's Charges.

    Dispute Resolution
    Resolution of any payment related complaint which you may have shall be the responsibility of PayPal. Upon occurrence of an event giving rise to such a complaint, you agree to follow the relevant procedure laid down in the Agreement for resolution of the same. You shall not be entitled to approach the authorised dealer bank for resolution of complaint or dispute pertaining to payment of Balance.

    Amendment of This Agreement
    12.1. Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.

    12.2. In case of conflict between any of the terms contained in these Special Terms and Conditions and those of the Agreement, these Special Terms and Conditions shall prevail.

    Japan

    Please be advised that the PayPal Services are provided by PayPal Pte. Ltd., a Singaporean company. PayPal accepts payments from buyers on behalf of the Sellers. As a Seller, you agree that once PayPal accepts payments from the buyer, you release and discharge the buyer of any further liability for the amount of the payment. When persons make donations through PayPal, PayPal accepts payments from such donors on behalf of the donees. As a donee, you agree that once PayPal accepts payments from the donor, you release and discharge the donor of any further liability for the amount of the donation.

    Notwithstanding Section 12 above, for any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, you or PayPal may elect to resolve the dispute through binding arbitration in Japan in accordance with the Commercial Arbitration Rules of the Japan Commercial Arbitration Association. Any such arbitration shall be administered by the Japan Commercial Arbitration Association, or any other established ADR provider mutually agreed upon by the parties. The award rendered shall be final and binding upon the parties. Any judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

    Alternatively, and notwithstanding Section 12 above, any Claim may be adjudicated by a court of competent jurisdiction located in Japan, and you and PayPal agree to submit to the personal jurisdiction of the courts located in Japan.

    For the avoidance of doubt, if a dispute is submitted to arbitration or a court under this Section, the parties agree that this Agreement shall continue to be governed by the laws of Singapore.

    Malaysia

    PayPal has been approved by Bank Negara Malaysia to operate an e-Money business. Therefore, if you are a Malaysian customer and PayPal does not provide a prompt and efficient response to you in relation to PayPal’s Services pursuant to your use of the dispute resolution process set out in the Disputes with PayPal section of this User Agreement (currently Section 12) or contacting PayPal’s Customer Support, you may also contact Bank Negara through BNMLINK and BNMTELELINK.

    BNMTELELINK can be contacted directly either by telephone, fax, letter or email. Members of the public can contact BNMLINK and BNMTELELINK for information, inquiries or redress in the areas of conventional and Islamic banking, insurance and takaful, advisory services for small and medium enterprises, foreign exchange administration and other matters under Bank Negara Malaysia's jurisdiction. The contact details for BNMTELELINK are:



    BNMTELELINK

    Jabatan Komunikasi Korporat

    Bank Negara Malaysia

    P.O.Box 10922

    50929 Kuala Lumpur



    Tel: 1-300-88-5465 (LINK)

    Fax: 03-2174 1515

    E-mail: bnmtelelink@bnm.gov.my



    BNMLINK and BNMTELELINK operating hours are from:

    Monday - Friday, 9.00 a.m. - 5.00 p.m. Malaysia Time



    Governing Law. Notwithstanding Section 12.3, for Malaysian residents who register for the PayPal Services with a Malaysian address, this Agreement is governed by and interpreted under the laws of Malaysia as such laws are applied to agreements entered into and to be performed entirely within Malaysia.

    Morocco
    Upon enablement of the withdrawal functionality to a Moroccan bank account with the bank partner of PayPal, You will be required to comply with Moroccan laws and regulations. This means notably that if you receive amounts into your PayPal balance from a PayPal User, you must withdraw the amounts in your PayPal balance to your Moroccan bank account* within 30 Days of receipt of funds.

    * The bank partner of PayPal for the withdrawal functionality charges a fee for each withdrawal. Upon enablement of the receive and withdraw functionalities, PayPal will provide You with additional information.

    South Africa

    You are required to comply with South African exchange control regulations. This means that:

    If you receive amounts into your PayPal balance from a PayPal User:
    you may not send those amounts to another PayPal User for a purchase or for any other reason.
    you must withdraw the amounts in your PayPal balance to your South African bank account* within 30 Days of receipt of funds.
    If you would like to send amounts to another PayPal User:
    you must do so either with the credit card associated with your Account, or by doing a Top Up to your PayPal balance from your FNB bank account*.
    For purchases using Top Up, you must do a separate Top Up for each purchase.
    * FNB charges a fee for each Top Up and Withdrawal. Please see the FNB website for more information.

    Singapore

    The Services are offered by PayPal Pte. Ltd., located at 5 Temasek Boulevard #09-01, Suntec Tower Five, Singapore 038985. If you are a Singapore resident, you may have this same information emailed to you by sending a letter to the address above with your email address and a request for this information. Fees for our services are described in Exhibit A (Fees)

    In relation to the PayPal balances of Singapore Resident PayPal Users, PayPal has arranged for a sum of monies equal to the said PayPal balances to be held through a trust arrangement.

    *Singapore Resident is defined to mean:

    an individual, regardless of nationality, who has indicated ‘Singapore’ as his/her ‘Country of Residence’ at the point of signing up for a PayPal Account; and
    a non-individual which has indicated ‘Singapore’ as its ‘Country of Registration’ at the point of signing up for a PayPal Account.
    Taiwan

    Your ability to withdraw to your local bank account may require the opening of a bank account with a PayPal partner bank in Taiwan (“Partner Bank”), and using the withdrawal service offered by that Partner Bank (“Withdrawal Service”). Please see the terms and conditions with the Partner Bank for additional information relating to that service.
    In case of any dispute, demands, actions, proceedings ("Disputes") between you and the Partner Bank on account of delayed or non-payment of any funds due to you, you hereby indemnify PayPal, Affiliates and its employees from any damages, claims, charges, expenses and losses arising out of such Disputes. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal Account to the Partner Bank.
    PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any (i) failure; (ii) interruption; (iii) defect; or (iv) negligent or willful misuse of the Withdrawal Service; or (v) consequences arising out of delayed or non-receipt of funds withdrawn through the Withdrawal Service.
    Except to the extent amended by these terms and conditions, all other provisions of the Agreement shall remain in full force and effect.


    © 1999–2017 All rights reserved. 
    Privacy

    Legal

    Feedback
    Consumer advisory - PayPal Pte. Ltd., the holder of PayPal's stored value facility, does not require the approval of the Monetary Authority of Singapore. Users are advised to read the terms and conditions carefully.


  • Acceptable Use Policy
    You are independently responsible for complying with all applicable laws in all of your actions related to your use of PayPal's services, regardless of the purpose of the use. In addition, you must adhere to the terms of this Acceptable Use Policy.

    Prohibited Activities
    You may not use the PayPal service for activities that:

    1. violate any law, statute, ordinance or regulation.

    2. relate to transactions involving (a) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, (b) drug paraphernalia, (c) cigarettes, (d) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (e) stolen goods including digital and virtual goods, (f) the promotion of hate, violence, racial intolerance or the financial exploitation of a crime, (g) items that are considered obscene, (h) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, (i) certain sexually oriented materials or services, (j) ammunition, firearms, or certain firearm parts or accessories, or (k) certain weapons or knives regulated under applicable law.

    3. relate to transactions that (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or ponzi schemes, matrix programs, other "get rich quick" schemes or certain multi-level marketing programs, (c) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f) are associated with the sale of traveler's checks or money orders, (g) involve currency exchanges or check cashing businesses, (h) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or (i) involve offering or receiving payments for the purpose of bribery or corruption.

    4. involve the sales of products or services identified by government agencies to have a high likelihood of being fraudulent.



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

    - Airlines and scheduled or non-scheduled charters/jets/air taxi operators; collecting donations as a charity or non-profit organization; dealing in jewels, precious metals and stones; acting as a money transmitter or selling stored value cards; selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property; or providing escrow services. 
    (Please send contact information, business website URL and a brief business summary to compliance@paypal.com)

    - Providing file sharing services or access to newsgroups; or selling alcoholic beverages, non-cigarette tobacco products, e-cigarettes or prescription drugs/devices. 
    (Please send contact information, business website URL and brief business summary to aup@paypal.com)

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

    More Information
    To learn more about the Acceptable Use Policy, please refer to Pay Pal Help Center (https://www.paypal.com/za/selfhelp/home)

    Violations of the Acceptable Use Policy
    We encourage you to report violations of this Acceptable Use Policy to PayPal immediately. Chat Find will delete offending accounts and report them to PayPal. If you have a question about whether a type of transaction may violate the Acceptable Use Policy, you can email PayPal's AUP Compliance Department at: aupviolations@paypal.com.


  • Chat Find Transactional Fees
    The individual receiving the money incurs the cost of the transaction, which consists of a 0,5% Chat Find transaction fee, and a 2,9% + 30 cents PayPal fee.


  • Push notifications
    This Application may send push notifications to the User.



  • Unique device identification
    This Application may track Users by storing a unique identifier of their device, for analytics purposes or for storing Users' preferences.



  • Access the address book
    This Application may request access to your address book.



The rights of Users

Users may exercise certain rights regarding their Data processed by the Owner.

In particular, Users have the right to do the following:

  • Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their Personal Data.
  • Object to processing of their Data. Users have the right to object to the processing of their Data if the processing is carried out on a legal basis other than consent. Further details are provided in the dedicated section below.
  • Access their Data. Users have the right to learn if Data is being processed by the Owner, obtain disclosure regarding certain aspects of the processing and obtain a copy of the Data undergoing processing.
  • Verify and seek rectification. Users have the right to verify the accuracy of their Data and ask for it to be updated or corrected.
  • Restrict the processing of their Data. Users have the right, under certain circumstances, to restrict the processing of their Data. In this case, the Owner will not process their Data for any purpose other than storing it.
  • Have their Personal Data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their Data from the Owner.
  • Receive their Data and have it transferred to another controller. Users have the right to receive their Data in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that the Data is processed by automated means and that the processing is based on the User's consent, on a contract which the User is part of or on pre-contractual obligations thereof.
  • Lodge a complaint. Users have the right to bring a claim before their competent data protection authority.

Details about the right to object to processing

Where Personal Data is processed for a public interest, in the exercise of an official authority vested in the Owner or for the purposes of the legitimate interests pursued by the Owner, Users may object to such processing by providing a ground related to their particular situation to justify the objection.

Users must know that, however, should their Personal Data be processed for direct marketing purposes, they can object to that processing at any time without providing any justification. To learn, whether the Owner is processing Personal Data for direct marketing purposes, Users may refer to the relevant sections of this document.

How to exercise these rights

Any requests to exercise User rights can be directed to the Owner through the contact details provided in this document. These requests can be exercised free of charge and will be addressed by the Owner as early as possible and always within one month.

Additional information about Data collection and processing

Legal action

The User's Personal Data may be used for legal purposes by the Owner in Court or in the stages leading to possible legal action arising from improper use of this Application or the related Services.
The User declares to be aware that the Owner may be required to reveal personal data upon request of public authorities.

Additional information about User's Personal Data

In addition to the information contained in this privacy policy, this Application may provide the User with additional and contextual information concerning particular Services or the collection and processing of Personal Data upon request.

System logs and maintenance

For operation and maintenance purposes, this Application and any third-party services may collect files that record interaction with this Application (System logs) use other Personal Data (such as the IP Address) for this purpose.

Information not contained in this policy

More details concerning the collection or processing of Personal Data may be requested from the Owner at any time. Please see the contact information at the beginning of this document.

How “Do Not Track” requests are handled

This Application does not support “Do Not Track” requests.
To determine whether any of the third-party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Changes to this privacy policy

The Owner reserves the right to make changes to this privacy policy at any time by giving notice to its Users on this page and possibly within this Application and/or - as far as technically and legally feasible - sending a notice to Users via any contact information available to the Owner. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom. 

Should the changes affect processing activities performed on the basis of the User’s consent, the Owner shall collect new consent from the User, where required.

Definitions and legal references

Personal Data (or Data)

Any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.

Usage Data

Information collected automatically through this Application (or third-party services employed in this Application), which can include: the IP addresses or domain names of the computers utilized by the Users who use this Application, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by the User, the various time details per visit (e.g., the time spent on each page within the Application) and the details about the path followed within the Application with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the User's IT environment.

User

The individual using this Application who, unless otherwise specified, coincides with the Data Subject.

Data Subject

The natural person to whom the Personal Data refers.

Data Processor (or Data Supervisor)

The natural or legal person, public authority, agency or other body which processes Personal Data on behalf of the Controller, as described in this privacy policy.

Data Controller (or Owner)

The natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of Personal Data, including the security measures concerning the operation and use of this Application. The Data Controller, unless otherwise specified, is the Owner of this Application.

This Application

The means by which the Personal Data of the User is collected and processed.

Service

The service provided by this Application as described in the relative terms (if available) and on this site/application.

European Union (or EU)

Unless otherwise specified, all references made within this document to the European Union include all current member states to the European Union and the European Economic Area.

Cookies

Small piece of data stored in the User's device.

 

Legal information

This privacy statement has been prepared based on provisions of multiple legislations, including Art. 13/14 of Regulation (EU) 2016/679 (General Data Protection Regulation).

This privacy policy relates solely to this Application, if not stated otherwise within this document.