root/paypal/www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=GB

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  • /google/www.google.com/support/toolbar/?quick=privacy
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1 #  [ ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=_home)
2
3   * [ Sign Up  ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=_registration-run)
4   * [ Log In ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=_login-run)
5   * [ Help ](https://www.paypal.com/uk/cgi-bin/helpweb?cmd=_help)
6   * [ Security Centre ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=_security-center-outside)
7
8   * [ Welcome  ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_home)
9   * [ Send Money  ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_send-money)
10   * [ Request Money  ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/req/index-outside)
11   * [ Merchant Tools  ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_merchant-outside)
12   * [ Auction Tools  ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_auction-outside)
13
14 #  Privacy Policy for PayPal Services
15
16 * * *
17
18  Country:  [ Australia (in English) ](https://www.paypal.com/au/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside) |  [ Austria (auf Deutsche) ](https://www.paypal.com/de/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=AT) |  [ Belgium (in English) ](https://www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_US) |  [ Belgium (en Francais) ](https://www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=fr_FR) |  [ Belgium (in het Nederlands) ](https://www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=nl_NL) |  [ Canada (in English) ](https://www.paypal.com/ca/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CA) |  European Union (in English)  |  [ European Union - send only (in English) ](https://www.paypal.com/cy/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CY) |  [ France (en Francais) ](https://www.paypal.com/fr/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside) |  [ Germany (auf Deutsch) ](https://www.paypal.com/de/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=DE) |  [ Italy (in Italiano) ](https://www.paypal.com/it/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside) |  [ Netherlands (in English) ](https://www.paypal.com/nl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_US) |  [ Netherlands (in het Nederlands) ](https://www.paypal.com/nl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=nl_NL) |  [ Poland (in English) ](https://www.paypal.com/pl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_GB) |  [ Poland (po polsku) ](https://www.paypal.com/pl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=pl_PL) |  [ Spain (en Espanol) ](https://www.paypal.com/es/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside) |  [ Switzerland (auf Deutsch) ](https://www.paypal.com/ch/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside) |  [ United States (in English) ](https://www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=US) |  [ Other Countries (in English) ](https://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=HK) |  [ Other Countries (日本語) ](https://www.paypal.com/j1/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=ja_JP)
19 This Privacy Policy applies to all European Union countries except Austria, Belgium, France, Germany, Italy, Netherlands, Poland, Spain and the send-only regions. To view the Privacy Policy for a different country or region, please click the appropriate link above.   
20  
21
22 This Policy was last modified on 3 May 2007.   
23  
24 The Privacy Policy below governs your PayPal account and any information you provide on this site.
25 Printable Versions
26 [ PayPal Privacy Policy  ](https://www.paypalobjects.com/WEBSCR-470-20070628-2/ua/GB_en_GB/privacy.pdf)   
27 (PDF - 129 KB).   
28  
29 To view PDF documents download  [ Adobe Reader  ](http://www.adobe.com/products/acrobat/readstep2.html) .
30
31   1. Overview   
32  
33 In order to operate the PayPal service and to reduce the risk of fraud, PayPal (Europe) Ltd ("PayPal" or "we"), the data controller, must ask you to provide us information about yourself and your credit or debit card and/or bank account. However, as from 2 July 2007, PayPal (Europe) s.a.r.l. and Cie, S.C.A , will be the new data controller and your new co-contractor. As from such date, "PayPal" or "we" shall be reference to PayPal (Europe) s.a.r.l. and Cie, S.C.A. By consenting to, and agreeing the terms of, the present Privacy Policy, you also expressly consent and agree to PayPal (Europe) s.a.r.l. and Cie, S.C.A processing your data in the manner set out in the present Privacy Policy as from the aforementioned date. This Privacy Policy describes the information we collect and how we use that information. PayPal takes the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, in order for PayPal and PayPal (Europe) s.a.r.l. and Cie, S.C.A to offer its services to its users; to enhance the quality of its service from time to time; and to protect the interests of its users, PayPal and PayPal (Europe) s.a.r.l. and Cie, S.C.A will in limited circumstances and as further described in more detail throughout this policy, share some of your information with third parties under strict restrictions. It is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal website.   
34  
35 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information and direct us to do so in the manner described in this Privacy Policy.  This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement.   
36  
37 Your privacy is important to us. Please note that by accepting this Privacy Policy, you consent to your personally identifiable information being stored and processed on our parent company's (PayPal Inc) computers in the United States, as set out in the section entitled, "Disclosure to Third Parties Other Than PayPal Customers" below. The laws on holding personal data in the United States may be less stringent than the English or Luxembourg laws but as we explain below, we will hold and transmit your personal information in a manner designed to ensure its security. If you object to your personal information being processed or transferred as described in this Privacy Policy, please do not register for nor use the PayPal service.   
38  
39 Notification of Changes   
40  
41 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. We may amend this Privacy Policy at any time by posting a revised version on our web site. The revised version will be effective at the time we post it. In addition, if we are going to use or disclose your personally identifiable information in a manner materially different from that stated at the time we collected the information, we will provide you with at least 30 days' prior notice of such a change by posting notice on the "Policy Updates" page of our web site(s). After this 30 days notice, you will be considered as having expressly consented to all amendments to the Privacy Policy. If you disagree on how we will use your personal information, you may close your account at any time.   
42  
43 As stated above, we will post the amended Privacy Policy prominently on our Website so that you can always review what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check the PayPal website at https://www.paypal.com/uk/ at any time for the most current version of our Privacy Policy.   
44  
45 Some pages on the PayPal website include links to third party websites. These sites are governed by their own privacy statements, and PayPal is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third party Websites should review the privacy statement of these sites before providing them with personally identifiable information.   
46  
47 A Special Note About Children.  Children are not eligible to use our service and we ask that minors (under the age of 18) do not submit any personal information to us or use the service.   
48  
49
50   2. Information We Collect   
51  
52 Required Information   
53 To open a PayPal account, you must provide your name, address, phone number, and email address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (account information is required as soon as your total payments sent reach £1,000.00 GBP). We also ask you to choose two different security questions to answer (such as your city of birth or your pet's name). This required information is necessary for us to process transactions, issue a new password if you forget or lose your password, protect you against credit card fraud and current account fraud, and to contact you should the need arise in administering your account.   
54  
55 We will also require your national insurance number if you send or receive certain high-value transactions or high overall payment volumes through PayPal, in order to comply with our anti-money laundering obligations.   
56  
57 Transaction Information   
58 When you use PayPal to send money to someone else or request money from someone else, we ask you to provide information related to each transaction, consisting of the amount of the transaction, the type of transaction (purchase of goods, purchase of services, or simple money transfer ("quasi-cash")) and the e-mail address, Skype ID or phone number of the third party. We retain this information for each of your transactions through PayPal. We also collect the Internet address (IP address) and other identifying information about the computer or device you use to access your PayPal account, in order to help detect possible instances of unauthorized transactions.   
59  
60 Information About You From Third Parties   
61 In order to protect all our customers against potential fraud, we verify the information you provide with bank processors listed in the table under the section "Disclosure to Third Parties Other than PayPal Customers" below. In the course of such verification, we receive personally identifiable information about you from such services. In particular, if you register a credit card or debit card with PayPal, we will use card authorisation and fraud screening services to verify that your card information and address match the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.   
62  
63 If you send or receive high overall payment volumes through PayPal, in some circumstances we will conduct a background check on your business by obtaining information about you and your business from a credit bureau or a business information service such as Dun and Bradstreet, as listed in the table under the section entitled, "Disclosure to Third Parties Other than PayPal Customers" below. If you incur a debt to PayPal, we will generally conduct a credit check on you by obtaining additional information about you from a credit bureau, to the extent permitted by law. PayPal, at its sole discretion, also reserves the right periodically to retrieve and review a business and / or consumer credit report supplied by such credit bureau for any account, and reserves the right to close an account based on information obtained during this credit review process.   
64  
65 Additional Verification   
66 If we cannot verify the information that you provide, or if you request a withdrawal by cheque to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your driving licence, credit card statement, and/or a recent utility bill or other information linking you to the applicable address), or to answer additional questions online to help verify your information.   
67  
68 Website Traffic Information   
69 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal website, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Website you visit while you are on the PayPal site, IP addresses, the type of browser you use and the times you access our Website. We use this information to try to understand our customers' preferences better and to manage the load on our servers, so as to improve our service and your experience with PayPal.   
70  
71 Our Use of "Cookies"   
72 "Cookies" are small files of data that reside on your computer and allow us to recognise you as a PayPal customer if you return to the PayPal site using the same computer and browser. We send a "session cookie" to your computer if and when you log in to your PayPal account by entering your email address and password. These cookies allow us to recognise you if you visit multiple pages in our site during the same session, so that you don't need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.   
73  
74 We also use longer-lasting cookies to display your email address on our sign-in form, so that you don't have to retype the email address each time when you log in to your PayPal account. In addition, we use cookies to process our referral programme, so we can verify which users register via which merchant, described below. We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.   
75  
76 Customer Service Correspondence   
77 If you send us correspondence, including emails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from PayPal to you. We retain these records in order to keep records of our relationship, to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.   
78  
79 Questionnaires, Surveys and Profile Data   
80 From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.   
81  
82 Non-member Recipients and Requests   
83 When a member either sends a payment to, or requests a payment from, an individual who is not a registered member of PayPal, we will retain the information that the member submits to us, including, for example, the other party's email address, Skype ID, phone number and/or name, for the benefit of the member who is attempting to contact the non-member, so that the member can see a complete record of his or her transactions, including uncompleted transactions. Although this information is stored indefinitely, we will not market to the non-member in any way at any time. Additionally, these non-members have the same rights to access and correct information about themselves (assuming that their detail(s) were correct enough to reach them) as anyone else who uses PayPal.   
84  
85
86   3. Our Use and Disclosure of Information   
87  
88 Internal Uses   
89 We collect, store and process your personal information on servers located in the United States and operated by our parent company, PayPal Inc. Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customised experience. You agree that we may use your personal information to:
90
91     * provide the services and customer support you request;
92     * resolve disputes, collect fees, and troubleshoot problems;
93     * prevent potentially prohibited or illegal activities, and enforce our User Agreement;
94     * customise, measure, and improve our services and the content and layout of our website;
95     * tell you about targeted marketing, service updates, and promotional offers based on your communication preferences;
96     * compare information for accuracy, and verify it with third parties.
97
98  
99  
100 Disclosure to Other PayPal Customers   
101 If you are a registered PayPal user, your name, e-mail address, Skype ID (if applicable), phone number (if applicable) date of sign-up, and whether you have been verified to have control of a bank account are displayed to other PayPal customers whom you have paid or who are attempting to pay you through PayPal. If you are a Business account holder, we will also display to other PayPal customers the Web site address (URL) and customer service contact information that you provide us. However, your credit card number, bank account and other financial information will NEVER be revealed to anyone whom you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so pursuant to a court order or other legal process.   
102  
103 If you are buying goods or services and pay through PayPal, we may provide the seller with the shipping address for the goods and your confirmed credit card billing address to complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it.   
104  
105 We work with third party merchants to enable them to accept payments from you using PayPal. In doing so, a merchant may share information about you with us such as your email address when you are attempting to pay that merchant. We use this information to confirm to that merchant that you are a PayPal customer and that the merchant should enable PayPal as a form of payment for your purchase.   
106  
107 PayPal draws your attention to the fact that some merchants may be established in countries which do not offer the same level of protection as regards data processing as EU members states. By accepting this Privacy Policy, you expressly consent to the exchange of information between PayPal and such merchants as set out above.   
108  
109 PayPal will also disclose to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the PayPal website), or other aggregate measures that provide an indication of your reputation with other PayPal customers.   
110  
111 By accepting this Privacy Policy, you expressly agree that each time you pay or attempt to pay another PayPal customer or a third party merchant by using your PayPal account, PayPal may then transfer the aforementioned relevant data to the other PayPal customer or to the third party merchant in order to execute the payment.   
112  
113 Disclosure to Third Parties Other Than PayPal Customers   
114 PayPal will not sell or rent any of your personally identifiable information to third parties, and will only disclose this information in the limited circumstances and for the purposes described in this policy. This includes transfers of data to non-EU member states where the laws on holding personal data may be less stringent, but as explained below, we will hold and transfer your personal information in compliance with the law and in a manner designed to ensure its security. Specifically, you consent to and direct PayPal to do any and all of the following:   
115  
116
117
118     1. Disclose information including, without limitation, transaction, account information, personal details and the contents of communications to the police, security forces, competent governmental, intergovernmental or supranational bodies, competent agencies, departments or regulatory, self-regulatory authorities or organisations (including, without limitation, the Agencies set out in the table in 3 below) or other third parties that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity or potential illegal activity, or to conduct investigations of violations of our User Agreement. For example, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity's contact information (but not bank account or credit card information without a court order) to victims who request it.   
119  
120
121     2. Disclose information in response to requirements of civil or criminal legal process.   
122  
123
124     3. Disclose information to the "Category" of third parties listed in the table below. The purpose of this disclosure is to allow us to provide our service to you. We also set out in the table below, under each "Category", non-exclusive examples of the actual third parties we currently disclose your account information, together with the purpose of doing so, and the actual information we disclose (these third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information was shared).   
125  
126
127
128 Category  Party Name and jurisdiction (in brackets)  Purpose  Data disclosed
129 Payment processors
130 HSBC Bank Plc (United Kingdom, Ireland), Bank of America (United Kingdom and USA), JPMorgan Chase Bank (United Kingdom, USA), BNP Paribas (France), Netgiro (Sweden), StarFinanz (Germany), Wells Fargo (Ireland, USA), American Express (USA).  To allow payment processing settlement services, fraud checking.  Name, address, details of user funding instruments, details of payment transactions
131 Customer Service Outsourcing
132 Sutherland Global Services Inc. (USA and Philippines) and Sitel GmbH (Germany)  Telephone and email customer support services  Name, address, telephone number, email addresses, truncated funding source information, funding source expiration dates, type of PayPal account, National identity number, account balance and transaction information, customer statements and reports, account correspondence, shipping information, promotional information.
133 Credit Reference Agencies
134 Callcredit plc., Experian Limited and Dun and Bradsheet Limited (United Kingdom)  Verify identity, make decisions concerning a customer's credit worthiness, carry out checks for the prevention and detection of crime including fraud and/or money laundering, manage PayPal account and undertake statistical analysis, undertake research as to appropriateness of new products and services and system checking.  Name, address, date of birth, time at address, telephone number, legal form, time in business, company registration number, VAT number (if appropriate)
135 SCHUFA Holding AG (Germany)  To determine credit worthiness of a merchant using eBay Express in Germany.  Name, address, date of birth, gender
136 CEG Creditreform Consumer GmbH (Germany)  To determine credit worthiness of a merchant using eBay Express in Germany.  Name, address, date of birth
137 Creditreform Berlin Wolfram KG (Germany)  To determine credit worthiness of a merchant using eBay Express in Germany.  Name, address
138 Financial Products
139 GE Capital Bank Limited and GE Capital Global Consumer Finance Limited (United Kingdom)  Joint marketing campaigns for PayPal credit card, risk modelling, enforcement of terms and conditions for PayPal credit card  Name, address, e-mail
140 Commercial Partnerships
141 Royal Mail Group Plc. (United Kingdom) and Pitney Bowes Inc. (USA)  The provision of automated label printing for sellers using PayPal and eBay to facilitate postal and delivery services, including payment reconciliation services  Name, address, e-mail, postage transaction amount
142 Marketing and public relations
143 Yesmail Inc. (USA)  Fulfilment of e-mail marketing programs of PayPal services and promotions.  Name, e-mail, address, business name, domain name, account status, account preferences, type and nature of PayPal services offered or used.
144 UCN (USA)  Execution of customer service surveys  Name, e-mail address, type of account, type and nature of PayPal services offered or used and relevant transaction information.
145 BD Network Limited and Tullo Marshall Warren Limited (United Kingdom), MyCash (France)  Development and execution of customer promotions  Name, address, e-mail
146 Salesforce.com (USA)  Storage of merchant contact information  Name, address, telephone number, email
147 Noesis srl (Italy) and Lansons Communications (United Kingdom)  Response to media enquiries regarding customer queries  Name, address, customer account information relevant to customer queries
148 Operational services
149 KSP Kanzlei Dr. Seegers, Dr. Frankenheim and Partner Lawyers (Germany), NCO Collections Europe Limited, Robinson Way, Intrum Justitia Limited (UK)  Debt collection  Name, address, telephone number, account number, e-mail, account type, last four digits of financial instruments account, account balance, details of account transactions and liabilities.
150 Group companies
151 PayPal Inc. (US)  Acting on behalf of PayPal or the purposes of storing and processing of account information  All account information
152 PayPal Europe Services Limited (Ireland)  Acting on behalf of PayPal for the purpose of customer support, compliance and other back office  All account information
153 PayPal Private Limited (Singapore)  Acting on behalf of PayPal to enter into and perform non-customer contracts which involve customer data  All account information
154 eBay Inc. (USA), eBay International AG (Switzerland), Skype Communications SA (Luxembourg), Skype Software SA (Luxembourg), Opusforum GmbH (Germany), GumTree.com Limited (UK), Kijiji International Limited (Ireland), Shopping.com (USA), Shopping Epinions International Limited (Ireland), PayPal Australia Pty Limited  Co-ordinate services, co-ordinate marketing and commercial policies, offer new services to joint customers, enforce respective terms and conditions and combat fraud and potentially illegal activities (not acting as a sub-contractor of PayPal)  All account information
155 Agencies
156 CSSF (Luxembourg), Financial Ombudsman Service (United Kingdom), Altroconsumo (Italy), Consumo del Centro Europeo del Consumidor en Espana (Spain), Les Mediateurs du Net (France), BaFin (Germany)  To request information within their authority and to respond to queries and/or investigations instigated by users or other stakeholders in the countries they have jurisdiction.  All account information
157  
158  
159 For the purpose of this table, the phrase "All account information" includes: name, address, e-mail, telephone number, account number, account type, details of funding instruments associated with the account, details of payment transactions, details of commercial transactions, customer statements and reports, account preferences, and customer correspondence.   
160  
161 With respect to the column titled, "Purpose", each third party, with the exception of the regulatory agencies and group companies referred to at the end of this table, is carrying out the purpose to fulfil obligations which PayPal has contracted with the entity to fulfil. The regulatory agencies are carrying out their purpose in accordance with their regulatory objectives and requirements.   
162  
163
164
165     1. Disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).   
166  
167
168     2. Disclose aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in Manchester. However, this aggregated information is not tied to personal information.   
169  
170
171     3. As with any other business, it is possible that PayPal in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by PayPal, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.   
172  
173
174
175  
176 Our Contacts with PayPal Customers   
177 We communicate with users on a regular basis via email to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your email address to confirm your opening of a PayPal account, to send you notice of payments that you send or receive through PayPal (including referral payments described below), to send information about important changes to our products and services, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.   
178  
179 We also use your email address to send you other types of communications that you can control, including the PayPal Periodical newsletter, auction tips, customer surveys and notice of special third-party promotions. You can choose whether to receive some, all or none of these communications when you complete the registration process, or at any time thereafter, by logging in to your account on the PayPal website and changing your preferences in the Profile page of the My Account tab. You can also change your choices at any time through the same procedure.   
180  
181 In connection with independent audits of our financial statements and operations, the auditors may seek to contact a sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes.   
182  
183 Your Use of Information and Our Services   
184 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or delivery information. As a seller you may have access to the User ID, email address and other contact or delivery information of the purchaser, and as a purchaser you may have access to the User ID, email address and other contact information of the seller.   
185  
186 By entering into our User Agreement, you agree that, with respect to other users' personally identifiable information that you obtain through the site or through a PayPal-related communication or PayPal-facilitated transaction, you will only use this information for: (a) PayPal-related communications that are not unsolicited commercial messages, (b) using services offered through PayPal (e.g. insurance, delivery and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).   
187  
188 In all cases, you must provide users with the opportunity to remove themselves from your database and review any information you have collected about them. In addition, under no circumstances, except as defined in this Section, can you disclose personally identifiable information about another PayPal user to any third party without our consent and the consent of such other user after adequate disclosure. Note that law enforcement personnel and other rights holders are given different rights with respect to information they access.   
189  
190 PayPal does not tolerate spam. Therefore, without limiting the foregoing, you may not add a PayPal user to your mail list (email or physical mail) without their express consent after adequate disclosure, even if said user has previously made a purchase from you. We strictly enforce our Anti-Spam Policy! To report PayPal-related spam to PayPal, please [ contact us ](http://www.paypal.com/uk/ewf/f=pps_spam) .   
191  
192 Merchant Referral Programme   
193 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus programme. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) which identifies you as the referrer. If a merchant uses that link to sign up for a Premier or Business PayPal account and completes the [ bonus requirements ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , he is eligible for a referral bonus. If you use a referral link to sign up, your business name (if you have a Business account) or first and last name (if you have a Premier account) may be listed in the referrer's PayPal account, along with the amount of bonus you have generated for the referrer, which is calculated as a percentage of your transaction volume, as described in the [ Merchant Referral Bonus Policy ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) .   
194  
195 Please use our referral programme responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .   
196  
197
198   4. Information Security   
199  
200 PayPal is committed to handling your customer information with high standards of information security. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorise access to personal information only for those employees who require it to fulfill their job responsibilities. For more information on PayPal's security practices, please visit the [ PayPal Security Centre ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_security-center-outside) .   
201  
202 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. PayPal representatives will never ask you for your password, so any email or other communication requesting your password should be treated as unauthorised and suspicious and forwarded to spoof@paypal.com. If you do share your PayPal password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account at [ www.paypal.com/uk/ ](https://www.paypal.com/uk/) and changing your Profile settings, and also contact us right away as described below.   
203  
204
205   5. Accessing and Changing Your Information   
206  
207 You can review the personal information you provided us and make any desired changes to such information, or to the settings for your PayPal account, at any time by logging in to your account on the PayPal website and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal website. If you close your PayPal account, we will mark your account in our database as "Closed," but will keep your account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law.   
208  
209
210   6. Accountability   
211  
212 Our privacy office is responsible for ensuring that our day-to-day procedures comply with this Privacy Policy. If you have any questions about this privacy statement, PayPal's information practices, or your dealings with PayPal, you can contact us using [ this form ](http://www.paypal.com/uk/ewf/f=ci_prv) , call 0870 7307 191 or write us at PayPal (Europe) Ltd, Hotham House, 1 Heron Square, Richmond Upon Thames TW9 1EJ.
213
214  
215  
216 IMPORTANT DATA PROTECTION NOTICES FOR USERS OR APPLICANTS OF PAYPAL WEBSITE PAYMENTS PRO - A GUIDE TO THE USE OF YOUR PERSONAL DATA BY PAYPAL (EUROPE) LTD. AND CREDIT REFERENCE AGENCIES   
217  
218 SECTION 1: GENERAL INFORMATION ON OUR USE OF CREDIT REFERENCE AGENCIES   
219  
220
221 Q:  What is a credit reference agency?
222 A:  Credit reference agencies (CRAs) collect and maintain information on consumers' and businesses' credit behaviour, on behalf of financial institutions and lenders in the UK.   
223  
224
225 Q:  Why do you use them when I have applied to your organisation?
226 A:  Although you have applied to us, PayPal (Europe) Ltd. and we will check our own records, we will also contact CRAs to get information on your credit behaviour with other organisations. This will help us make the best possible assessment of your overall situation before we make a decision.   
227  
228
229 Q:  Where do they get the information?
230 A:
231
232   * Publicly available information:   
233 - The Electoral Register at Local Authorities.   
234 - County Court Judgments from Registry Trust.   
235 - Bankruptcy information from the Insolvency Service.
236   * Fraud information from fraud prevention agencies.
237   * Credit information comes from information on applications to banks, building societies, credit card companies etc and also from the conduct of those accounts.
238
239 Q:  How will I know if my information is to be sent to a CRA or Fraud prevention agency?
240 A:  Organisations are only allowed to send information to CRAs and/or Fraud Prevention Agencies with your agreement and knowledge. You will be told when you apply for PayPal Payments Pro if your data will be supplied. The next section of this document will tell you how, when and why we will search at CRAs and what we will do with the information we obtain from them. We will also tell you if we plan to send information on you or your business, if you have one, to CRAs.   
241  
242
243 Q:  Why is my data used in this way?
244 A:  We and other organisations want to make the best possible decisions we can, in order to make sure that you, or your business, will be able to carry out your obligations to us. We and other organisations may also use the information to check your identity. In this way we can ensure that we all make responsible decisions. At the same time we also want to make decisions quickly and easily and, by using up to date information, provided electronically, we are able to make the most reliable and fair decisions possible.   
245  
246
247 Q:  Who controls what credit reference agencies are allowed to do with my data?
248 A:  All organisations that collect and process personal data are regulated by the Data Protection Act 1998, overseen by the Office of the Information Commissioner. All credit reference agencies are in regular dialogue with the Commissioner. Use of the Electoral Register is controlled under the Representation of the People Act 2000.   
249  
250
251 Q:  Can just anyone look at my data held at credit reference agencies?
252 A:  No, access to your information is very strictly controlled and only those that are entitled to do so, may see it. Usually that will only be with your agreement or (very occasionally) if there is a legal requirement   
253  
254
255 SECTION 2 WHAT PAYPAL (EUROPE) LTD. DOES   
256  
257 Please read this section very carefully.
258
259   1. When you apply to us for PayPal Payments Pro we may:
260
261     1. Check our own records for information on your PayPal account(s)
262     2. Search at credit reference agencies for information on: -
263
264       1. Public data on your credit behaviour
265       2. Information on the conduct of your personal credit accounts if you are proprietors of a small business;
266       3. your business accounts;
267
268     3. Search at fraud prevention agencies for information on you
269
270  
271
272   2. What we do with the information you supply to us as part of the application: -
273
274     1. Information that is supplied to us will be sent to the credit reference agencies.
275     2. If you give us false or inaccurate information and we suspect fraud, we will record this and may also pass this information to financial and other organisations involved in fraud prevention to protect us, them and our respective customers from theft and fraud.
276     3. Your data may also be used by this organisation, to offer your business other products.
277
278  
279
280   3. With the information that we obtain we will: -
281
282     1. Assess this application for PayPal Payments Pro and/or;
283     2. Verify your identity and the identity of other directors/partners and/or;
284     3. Undertake checks for the prevention and detection of fraud and/or money laundering.
285     4. We may use scoring methods to assess this application and to verify your identity.
286     5. Manage your PayPal account(s) with ourselves.
287     6. Undertake periodic statistical analysis or testing to ensure the accuracy of existing and future products and services.
288     7. Any or all of these processes may be automated.
289
290  
291
292   4. What we do when you have set up PayPal Payments Pro: -
293
294     1. Where you have access to and use PayPal Payments Pro with us, we will give details of your PayPal account and other details of your use of PayPal Payments Pro, including names and parties to the account, and how you manage it to credit reference agencies.
295     2. If you owe us money and do not pay in full and on time, we will tell credit reference agencies
296     3. We may make periodic searches of our own group records, credit reference and fraud prevention agencies to manage your account with us, to take decisions regarding your identity and also credit, including whether to make PayPal Payments Pro available or to continue or extend existing services to you.
297     4. If you owe us money and do not make payments that you owe us, we will trace your whereabouts and recover payment.
298
299  
300
301
302 What Credit Reference agencies do   
303  
304
305
306   1. When credit reference agencies receive a search from us they will: -
307
308     1. Place a search "footprint" on your company credit file whether or not this application proceeds. If the search was for a credit application the record of that search (but not the name of the organisation that carried it out) may be seen by other organisations when you apply for credit in the future.
309     2. Link together the previous and subsequent names advised by you, of anyone that is a party to the account.
310
311  
312
313   2. Supply to us: -
314
315     1. Information about your company or credit information such as previous applications for credit and the conduct of the accounts
316     2. Public information such as County Court Judgments (CCJs) and bankruptcies.
317     3. Electoral Register information on you and your business partners.
318     4. Fraud prevention information.
319
320  
321
322   3. When information is supplied by us, to them, on your account(s): -
323
324     1. Credit reference agencies will record the details that are supplied on your account including previous and subsequent names of the parties
325     2. If you owe us money and do not pay in full and on time, credit reference agencies will record the outstanding debt.
326     3. Records shared with credit reference agencies remain on file for 6 years after they are closed whether settled by you or defaulted.
327
328  
329
330   4. How your data will  _ NOT  _ be used by credit reference agencies: -
331
332     1. It will not be used to create a blacklist.
333     2. It will not be used by the credit reference agency to make a decision.
334
335  
336
337   5. How your data  _ WILL  _ be used by credit reference agencies: -
338
339     1. The information which we, other organisations and fraud prevention agencies provide to the credit reference agencies about you, your financial and/or business associates and your business may be supplied by credit reference agencies to other organisations and used by them to: -
340
341       1. Verify your identity if you or your financial or business associate applies for other facilities including all types of insurance applications and claims.
342       2. Assist other organisations to make decisions on credit, credit related services and on motor, household, life and other insurance proposals and insurance claims, about you, your partner, other members of your household or your business.
343       3. Trace your whereabouts and recover payment if you do not make payments that you owe.
344       4. Conduct checks for the prevention and detection of crime including fraud and/or money laundering.
345       5. Manage your personal, your partner's and/or business account
346       6. Manage your personal, your partner's and/or business insurance policies (if you have one/any).
347       7. Undertake statistical analysis and system testing.
348
349     2. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
350     3. Your data may also be used to offer you other products, but only if you have not opted out of receiving such offers.
351
352 How to find out more   
353  
354 You can contact credit reference agencies currently operating in the UK (the main ones are listed below). The information they hold may not be the same so it is worth contacting them all. They will charge a small statutory fee.   
355  
356 CallCredit  , Consumer Services Team, PO Box 491, Leeds LS3 1W2 or call 0870 0601414   
357 Experian  , Consumer Help Service, PO Box 8000, Nottingham NG80 7WF or call 0870 241 6212 or log on to www.experian.co.uk   
358 Equifax Plc  , Credit Fule Advice Centre, PO Box 3001, Bradford, BD1 5US or call 0870 010 0583 or log on to www.equifax.co.uk   
359 Dun & Bradstreet  , Customer Service Department, Westminster House, Portland Street, Manchester M1 3HU or call 0870 243 2344 or log on to www.dbuk.dnb.com   
360  
361 If you want to receive details of those fraud prevention agencies from whom we obtain and with whom we record information about you, contact/write to us at Hotham House, 1 Heron Square, Richmond Upon Thames, Surrey TW9 1EJ, UK. You have a legal right to these details.   
362
363
364 ##  More Information
365
366   * [ About ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/about-outside)
367   * [ Account Types ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=xpt/cps/general/PayPalAccountTypes-outside)
368   * [ Fees ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_display-fees-outside)
369   * [ Privacy ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside)
370   * [ Security Centre ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_security-center-outside)
371   * [ Contact Us ](http://www.paypal.com/uk/cgi-bin/helpscr?cmd=_help&t=escalateTab)
372   * [ Legal Agreements ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/ua-outside)
373   * [ Developers ](/developer)
374   * [ Jobs ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/jobs-outside)
375   * [ Mobile ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=xpt/cps/mobile/MobileOverview-outside)
376   * [ PayPal Credit Card ](http://paypalcreditcard.co.uk)
377   * [ Referrals ](http://www.paypal.com/uk/cgi-bin/webscr?cmd=_web-referrals-mrb-outside)
378   * [ Mass Pay ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=_batch-payment-overview-outside)
379   * [ Buyer Protection ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_pbp-outside)
380   * [ Seller Protection ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_spp-outside)
381
382 Copyright (c) 1999-2007 PayPal. All rights reserved.   
383 PayPal (Europe) Ltd. is [ authorised and regulated by the Financial Services Authority ](https://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/fsa-outside) in the United Kingdom as an electronic money institution.   
384 PayPal FSA Register Number: 226056.
385
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