Changeset 336

Show
Ignore:
Timestamp:
06/07/2007 03:49:34 AM (6 years ago)
Author:
GooDiffMonitor
Message:

Modified files:

  • /yahoo/del.icio.us/help/terms
  • /yahoo/del.icio.us/help/privacy
  • /yahoo/del.icio.us/help/copyright
  • /paypal/www.paypal.com/us/cgi-bin/webscr?cmd=p/gen/ua/policy_debit-outside
  • /paypal/www.paypal.com/us/cgi-bin/webscr?cmd=p/gen/ua/policy_buyer_credit-outside
  • /paypal/www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=GB
  • /paypal/www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/ua-outside&country.x=HK
  • /paypal/www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=HK
  • /paypal/www.paypal.com/pl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=pl_PL
  • /paypal/www.paypal.com/pl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_GB
  • /paypal/www.paypal.com/nl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=nl_NL
  • /paypal/www.paypal.com/nl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_US
  • /paypal/www.paypal.com/j1/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=ja_JP
  • /paypal/www.paypal.com/it/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside
  • /paypal/www.paypal.com/fr/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside
  • /paypal/www.paypal.com/es/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside
  • /paypal/www.paypal.com/cy/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CY
  • /paypal/www.paypal.com/ch/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside
  • /paypal/www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=US
  • /paypal/www.paypal.com/ca/cgi-bin/webscr?cmd=p/gen/ua/ua-outside&country.x=CA
  • /paypal/www.paypal.com/ca/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CA
  • /paypal/www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=nl_NL
  • /paypal/www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=fr_FR
  • /paypal/www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_US
  • /paypal/www.paypal.com/au/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside

GooDiffMonitor run finished @ 2007-06-07 03:49:26.195672

Files:

Legend:

Unmodified
Added
Removed
Modified
Copied
Moved

  • paypal/www.paypal.com/au/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_US

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=fr_FR

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/be/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=nl_NL

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/ca/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CA

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/row/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    3535If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/row/ewf/f=ci_prv) .    
    3636   
    37 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 8 2007. This Privacy Policy was last updated on May 3, 2007.    
     37By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 8 2007. This Privacy Policy was last updated on June 7, 2007.    
    3838   
    3939Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in United States may be more or less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    4040   
    4141Notification of Changes     
    42 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    43    
    44 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
     42This 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 make a material change to this Privacy Policy, 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 with the terms of this Privacy Policy, you may close your account at any time.    
     43   
     44As stated above, we will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    4545   
    4646PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    …… 
    9898 
    9999Internal Uses     
    100 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
     100We collect, store and process your personal information on servers located in the United States.    
     101   
     102Our 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:  
     103 
     104  * provide the services and customer support you request;  
     105  * resolve disputes, collect fees, and troubleshoot problems;  
     106  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     107  * customise, measure, and improve our services and the content and layout of our website;  
     108  * tell you about targeted marketing, service updates, and promotional offers based on your communication preferences;  
     109  * compare information for accuracy, and verify it with third parties.  
     110 
    101111   
    102112Disclosure to Other PayPal Customers     
    103113If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    104114   
    105 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    106    
    107 We work with third party merchants to enable them to accept PayPal payments from you. Merchants who offer this service will share personally identifiable information you provide to them with PayPal to validate the status of your ability to pay with PayPal or the existence of your account. You permit PayPal to return verification results of the validity of the personally identifiable information passed to PayPal.    
    108    
    109 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
     115If 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.    
     116   
     117We work with third party merchants to enable them to accept PayPal payments from you. Merchants who offer this service will share personally identifiable information you provide to them such as your email address with PayPal to validate the status of your ability to pay with PayPal or the existence of your account. You permit PayPal to return verification results of the validity of the personally identifiable information passed to PayPal.    
    110118   
    111119PayPal 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 www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    …… 
    114122PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
    115123 
    116   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
     124  1. We share information with companies that help us process the transactions you request or protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    117125   
    118126 
    …… 
    120128   
    121129 
    122   3. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.  
    123   4. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    124    
    125  
    126   5. We 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).  
    127   6. We share 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 Toronto. However, this aggregated information is not tied to personally identifiable information.    
    128    
    129  
    130   7. 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 as described in Section A above.  
    131   8. We share your information with our parent companies, affiliates, subsidiaries and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.  
     130  3. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action. As PayPal may outsource some of its functions, including data storage and processing, to related entities or service providers in foreign jurisdictions those related entities or service providers may be required to disclose your personal information pursuant to a subpoena or other legal process which originates in that foreign jurisdiction.    
     131   
     132 
     133  4. We 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).    
     134   
     135 
     136  5. We share 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 Toronto. However, this aggregated information is not tied to personally identifiable information.    
     137   
     138 
     139  6. 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 as described in Section A above.    
     140   
     141 
     142  7. We share your information with our parent companies, affiliates, subsidiaries and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.    
     143   
     144 
    132145 
    133146   
    …… 
    165178 
    166179Information Security     
    167 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We restrict access to your personally identifiable information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/row/cgi-bin/webscr?cmd=_security-center-outside) .    
     180PayPal 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 to employees who need to know that information in order to fulfill their job responsibilities. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/row/cgi-bin/webscr?cmd=_security-center-outside) .    
    168181   
    169182The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 and changing your Profile settings, and also contact us right away as described in Section F below.PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    

  • paypal/www.paypal.com/ca/cgi-bin/webscr?cmd=p/gen/ua/ua-outside&country.x=CA

    r330 r336  
    1818   
    1919 
    20 [ Privacy Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CA) (May 3, 2007)    
     20[ Privacy Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CA) (June 7, 2007)    
    2121[ Closing Accounts and Limiting Account Access ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_closing-outside&country.x=CA) (May 18, 2006)    
    2222[ Electronic Fund Transfer Rights and Error Resolution Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_efunds-outside&country.x=CA) (March 17, 2006)    
    23 [ Buyer Complaint Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_buyer_complaint-outside&country.x=CA) (November 2, 2006)    
     23[ PayPal Buyer Complaint Policy and PayPal Buyer Protection Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_buyer_complaint-outside&country.x=CA) (June 7, 2007)    
    2424[ Payments (Sending, Receiving, and Withdrawals) Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_payments-outside&country.x=CA) (March 8, 2007)    
    2525[ Premier and Business Account Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_biz-outside&country.x=CA) (November 4, 2005)    
    …… 
    5050In this Agreement, "you" or "your" means any person or entity using the Service ("Users"). Unless otherwise stated, "PayPal," "we" or "our" will refer collectively to PayPal, Inc. and its subsidiaries including PayPal CA Limited and PayPal Asset Management Inc. Unless otherwise specified, all references to a "bank" in this Agreement include savings associations and credit unions, and all references to a "credit card" include Visa- and MasterCard-branded debit cards.    
    5151   
    52 This agreement was last modified on May 3, 2007.    
     52This agreement was last modified on June 7, 2007.    
    5353   
    5454 
    …… 
    169169   
    170170 
    171   11. Disputes between Buyers and Sellers - Buyer Protection Programs     
    172    
    173 11.1 Buyer Protection Programs.  If you buy an item using PayPal and either do not receive the item or receive an item that you believe is Significantly Not as Described by the seller, we encourage you to open a Dispute with the seller in our Resolution Center. By doing so, you will initiate our Online Dispute Resolution Process--a step-by-step system designed to facilitate communication between you and the seller in order to get resolution of the issue. If your dialogue with the seller fails to produce a satisfactory result, you can then escalate the Dispute into a Claim that we will evaluate for reimbursement under one of the following programs:    
    174    
    175  
    176  
    177     1. PayPal Buyer Complaint Policy - Our best efforts program to reimburse Users for losses only to the extent we are able to recover the funds from sellers.  
    178     2. PayPal Buyer Protection Policy - Our program to reimburse Users for losses for up to:  
    179  
    180       1. $2,000 CAD (Top Tier Coverage Amount) for eligible items purchased on eBay and  
    181       2. up to $315 CAD (Basic Tier Coverage Amount) for all other eligible items purchased on eBay.  
    182  
    183 Please see section 12.9 to determine whether Top Tier Coverage Amount or Basic Tier Coverage Amount applies.    
    184    
    185 These programs only cover payments for tangible, physical goods. All other payments, such as payments for intangibles, airline flight tickets, services or licenses and other access to digital content are not covered by any Buyer Protection Program that we offer (but may be covered by Chargeback rights).  
    186  
    187    
    188    
    189 11.2 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.    
    190    
    191 11.3 Filing Deadlines.  We will not grant any Claim unless you first initiate a Dispute in our Resolution Center within 45 Days of the date of the relevant payment and then escalate the Dispute into a Claim within 20 Days of the date you file your Dispute. It is your responsibility to keep track of the deadlines under this section.    
    192    
    193 11.4 Messages Posted in the Online Resolution Center.  Once you file a Dispute as a buyer, PayPal will notify the seller of the Dispute, and while the Dispute is open, you and the seller are able to access the details of the Dispute via the Resolution Center and post messages to each other in connection with the Dispute. Any message you post is viewable by PayPal and the other party to the Dispute. If the Dispute is escalated to a Claim, PayPal may review and use the content of all posted messages during evaluation of the Claim. If you subsequently file a Chargeback, PayPal may use the content of any messages to dispute the Chargeback. You may not post any message that is offensive, discourteous, false, misleading, profane, abusive, threatening or otherwise inappropriate.    
    194    
    195 11.5 Closing Online Disputes.     
    196    
    197  
    198  
    199     1. Closing the Dispute as "resolved." The buyer can close the Dispute as "resolved" from the time it is filed until 20 Days after it is filed. Once a buyer closes a Dispute as "resolved," we will not allow it to be reopened or escalated to a Claim.  
    200     2. Escalating the Dispute into a Claim. Either party may close the Dispute by escalating the Dispute into a Claim within 20 Days of the date the Dispute is filed.  
    201     3. Issuing a full refund. The seller may choose to close the Dispute by issuing a full refund to the buyer. If we process a full refund in this way, we will close the Dispute and not allow escalation to a Claim. If the seller does not have a sufficient Balance to close the Dispute but tries to close the Dispute by issuing a full refund, we will automatically escalate the Dispute into a Claim.  
    202     4. Reaching other settlement. If the seller and buyer agree to a settlement other than a full refund, both parties agree to reflect the agreed settlement in the messages posted in the Resolution Center (so that we avoid resolving the Claim in a contrary manner).  
    203     5. Dispute auto-closure after 20 Days. We will automatically close Disputes 20 Days after initiation if the buyer has not escalated it to a Claim within that time period. Once we close a Dispute in this way, we will not allow the buyer to re-open the Dispute or file a Claim relating to the transaction. In certain circumstances, we may escalate a Dispute into a Claim (for example, where a number of other buyers have opened Disputes against a seller who has failed to respond to the notices of Dispute).  
    204  
    205    
    206    
    207 11.6 Escalating Disputes into Claims.  If you are unable to reach a resolution with the seller within 20 Days of filing the Dispute or if you have reached a resolution with the seller but it has not been fully executed (for example: you have not received the refund or you have not received an exchange item that the seller agreed to send you), you should escalate the Dispute into a Claim in order to maintain your rights under the Buyer Protection Programs. You cannot file a Claim for reimbursement without first filing a Dispute in the Resolution Center.    
    208    
    209 11.7 Claims Procedures.  If you escalate a Dispute into a Claim, we will gather information from you and the seller and determine eligibility for reimbursement under the Buyer Protection Programs. Here are some important things to remember about the Claim process:    
    210    
    211  
    212  
    213     1. If a buyer files a Claim asserting receipt of a Significantly Not as Described item, we will generally require the buyer to return the item to the seller at the buyer's expense and to provide proof of return delivery. If the item is over $325.00 CAD or equivalent, online signature confirmation must also accompany the proof of delivery. In some circumstances, we may require the buyer to send the item to us or to a third party specified by us, to obtain documentation from a qualified third party substantiating the Claim, or to provide evidence that the item has been destroyed. In some instances, we may ask a buyer to support a Claim by filing and supplying a copy of a police report.  
    214     2. If a buyer initiates a Dispute/Claim and the amount in Dispute is greater than $130 CAD, PayPal will place the disputed amount (to the extent it remains in the seller's Account) on hold until the Dispute/Claim is resolved, and the seller will not be able to withdraw this amount while the Dispute/ Claim remains unresolved.  
    215     3. You may only file one Dispute/Claim per payment. You are not permitted to file a Dispute/Claim based on an "item not received" and then convert the same Dispute/Claim so that it is based on a Significantly Not as Described claim (or vice versa) if circumstances change following the filing of your initial Dispute/Claim.  
    216     4. Other than adding information you may not edit or change a Claim after filing it.  
    217     5. We may ask a buyer to identify the minimum refund that would be acceptable to settle the Claim. If you specify a refund amount that is less than the amount of the original transaction, and the seller agrees to refund the amount you specified, PayPal will consider the Claim to be successfully resolved.  
    218     6. After we close a Claim in favor of a buyer, a seller may appeal our decision on the Claim; however, PayPal generally will only grant the appeal if the seller is able to prove that the buyer sent the item back to the seller in a condition significantly different than when the Claim was filed (other than normal wear from shipping). PayPal does not guarantee recovery of money from a buyer for a seller if a seller wins an appeal.  
    219  
    220    
    221    
    222 11.8 Claims Eligibility.  In addition to the other limitations called out within this Agreement, the following limitations apply to Claims:    
    223    
    224  
    225  
    226     1. The PayPal Buyer Complaint Policy only applies to items purchased outside of eBay, the PayPal Buyer Protection Policy only applies to items purchased on eBay The PayPal Buyer Protection Policy does not apply to payments made through PayPal Mobile.  
    227     2. Only registered PayPal members in good standing are eligible for reimbursement.  
    228     3. Claims must be for payments for tangible, physical goods that can be shipped, and not all other payments, such as payments for intangibles, for services or for licenses and other access to digital content.  
    229     4. Items prohibited in the PayPal Acceptable Use Policy are ineligible for coverage.  
    230     5. For purposes of eBay items, the buyer must have sent a single PayPal payment for the full price of the item to the PayPal Account specified by the seller in the listing, and must have either used the "Pay Now" button or associated the payment with the eBay listing by entering the item number into the PayPal payment instructions. If the buyer sent payment to a different PayPal Account or by a different method, even at the seller's request, the transaction will not be covered.  
    231     6. Buyers may only receive one reimbursement per eBay listing. For multiple-listings paid with a single PayPal payment, each qualified listing is eligible for up to the maximum payout in coverage, but buyers may file only one Claim per PayPal payment. If you purchased multiple qualified items with a single payment, you must identify all the items on which you are seeking reimbursement in a single Claim.  
    232  
    233    
    234    
    235 11.9 eBay Items Eligible for PayPal Buyer Protection.  Every item on eBay (except Live Auctions and vehicles) that meets the above requirements is eligible for PayPal Buyer Protection up to $315 CAD (Basic Tier Coverage Amount), but items are only eligible for PayPal Buyer Protection up to $2000 CAD (Top Tier Coverage Amount) and should be identified as eligible items in the eBay listing if:    
    236    
    237  
    238  
    239     1. The seller's eBay feedback rating is at least 50;  
    240     2. At least 98% of the seller's eBay feedback is positive;  
    241     3. The seller has a Verified Premier or Verified Business Account in good standing;  
    242     4. The listing was on an eligible eBay site (www.eBay.com, www.eBay.ca and certain other eBay sites self identified as such)  
    243     5. PayPal is listed as an acceptable payment method; and  
    244     6. The seller is a PayPal User from one of the following countries:  
    245  
    246 - Argentina  - Italy  
    247 - Austria  - Jamiaca  
    248 - Australia  - Japan  
    249 - Belgium  - Korea  
    250 - Brazil  - Mexico  
    251 - Canada  - Netherlands  
    252 - Chile  - New Zealand  
    253 - China  - Norway  
    254 - Czech Republic  - Poland  
    255 - Denmark  - Portugal  
    256 - Ecuador  - Singapore  
    257 - Finland  - Sweden  
    258 - France  - Spain  
    259 - Germany  - Switzerland  
    260 - Greece  - Taiwan  
    261 - Hong Kong  - Thailand  
    262 - Hungary  - United kingdom  
    263 - India  - United States  
    264 - Ireland  - Uruguay  
    265    
    266    
    267 11.10 Significantly Not As Described.  To the extent that we provide reimbursement for losses for items that are Significantly Not as Described when received by the buyer (which we may do under PayPal Buyer Protection but not under the Buyer Complaint Policy), an item is Significantly Not as Described if the seller clearly misrepresented the details of the item in a way that affects its value or usability. This does not include cases where the buyer is merely disappointed with the item or where the item did not meet the buyer's expectations. Here are some of the reasons that an item may be considered Significantly Not as Described:    
    268    
    269  
    270  
    271     1. The item is a completely different item than that represented by the seller in the listing, e.g. an audio book instead of a printed book, a desktop computer instead of a laptop, a picture of an item instead of the actual item; or an empty box.  
    272     2. The condition of the item is significantly different. For example, if the item has clearly been used multiple times rather than "almost new" or "still in box" or is obviously repackaged rather than "mint."  
    273     3. The item is unusable and was not disclosed as such. For example, if there are missing major parts or components, will not function or turn on or is spoiled or past a relevant date. This applies to the item in its received state, no matter what the condition when it was shipped.  
    274     4. The item was advertised as authentic but is not authentic. For example, a fake or knock-off item that was advertised as authentic or a completely different or inferior brand of a similar product.  
    275     5. The item is missing a major portion or quantity. For example, if the buyer ordered four dozen golf balls but only received one dozen or four golf balls, or the item is missing a primary component, like a blender missing a top or a coffee maker missing the bottom plate.  
    276  
    277    
    278    
    279 An item is not Significantly Not as Described if:    
    280    
    281  
    282  
    283     1. The defect in the item was correctly described in the listing. For example, if the listing states one of the following: "Item may not work properly," "Item is missing some parts," or "See picture for scratches or damages."  
    284     2. The item was properly described but you didn't want it after you saw it in person.  
    285     3. The description could have been reasonably misinterpreted. For example, if the item is a slightly different color than advertised (e.g. the item is aquamarine but was advertised as teal).  
    286     4. The item was properly described but did not meet your expectations.  
    287     5. The item has minor scratches and was listed as "used condition."  
    288  
    289    
    290    
    291 Please note that these are representative examples. There may be other circumstances where the characteristics of the item or the situation are not exactly covered in the listing but do not render the item Significantly Not as Described. PayPal encourages all buyers and sellers to communicate with each other before and after the transaction to prevent these issues from occurring. We may make a decision as to whether an item is Significantly Not as Described if the buyer and seller cannot agree. For items that we believe do not qualify as Significantly Not as Described, we still encourage the buyer and seller to find an equitable solution.    
    292    
    293 11.11 Buyer Complaint Policy Benefits.  If we grant a Claim under our Buyer Complaint Policy, PayPal will seek to collect from the seller by debiting the seller's PayPal Account up to the amount of your loss, and you will receive a recovery to the extent that the seller has funds available in the Account at the time we debit the seller's Account. If there is more than one Claim against the same Account, we will process the Claims in the order they are filed, and will pay out on each granted Claim up to the amount of funds in the seller's Account at the time the Claim is awarded, but not more than the amount of the Claim.    
    294    
    295 11.12 Buyer Protection Policy Benefits.  If we grant a Claim under the PayPal Buyer Protection Policy, we will reimburse you in the currency of the original PayPal payment, up to the maximum payout listed in the table below:    
    296    
    297 Currency of original payment  
    298  
    299     * $2,000.00 CAD  
    300     * $2,000.00 USD  
    301     * €500.00 EUR  
    302     * £500.00 GBP  
    303     * ¥112,000 JPY  
    304     * $1,500.00 AUD  
    305     * $1,500.00 NZD  
    306     * $1,500.00 SGD  
    307     * $8,000.00 HKD  
    308     * 1,500.00 CHF  
    309     * 6,750.00 NOK  
    310     * 8,000.00 SEK  
    311     * 6,250.00 DKK  
    312     * 3,250.00 PLN  
    313     * 215,000 HUF  
    314     * 25,000.00 CZK  
    315  
    316    
    317    
    318 11.15 Relationship between PayPal Protection Programs and Chargeback Rights.  The following information relates to reimbursement for losses from purchases where you used a credit card to fund a PayPal purchase:    
    319    
    320  
    321  
    322     1. Credit card chargeback rights, if they apply, are broader than PayPal Buyer Protection; among other things chargeback rights are not limited to $2,000 CAD per transaction, can be filed more than 45 days after the payment, and may cover unsatisfactory items even if they are not Significantly Not as Described.  
    323     2. You can choose to file a Dispute through our Online Dispute Resolution process and escalate the Dispute into a Claim or to exercise your Chargeback rights. However, you cannot pursue both at the same time or seek a double recovery. If you initiate a Dispute through the Online Dispute Resolution process and you then, while the Dispute or Claim is pending, file a Chargeback, PayPal will cancel your Dispute or Claim, and you will have to rely solely on your Chargeback rights.  
    324     3. If you close your Dispute or it is otherwise closed, or if you cancel a Claim or it is denied or results in no refund, you may still be able to pursue Chargeback rights.  
    325     4. If you timely file a Dispute and then escalate it to a Claim, and we do not complete processing of that Claim until after your credit card issuer's imposed deadline for filing a Chargeback or after your bank's deadline for filing an Electronic Fund Transfer Act dispute, and you recover less than the full amount you would have been entitled to recover from the credit card issuer or the bank, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the seller or any other Buyer Protection Program). PayPal reserves the right to contest Chargebacks, in accordance with the rules of the applicable card issuer or card association.  
    326  
    327    
    328    
    329 11.16 Seller and Buyer Cooperation.  If you or another User you have sent money to or received money from initiates a Dispute, Claim or Chargeback, you agree to provide to any requesting party on a timely basis any documentation necessary to resolve the Dispute, Claim or Chargeback. You also agree to fully cooperate with PayPal in all aspects of our Dispute and Claim processes, and to reimburse your Account to the extent it goes negative because we decide to grant a Claim submitted by another User. We will cancel Claims of buyers who do not respond to inquiries regarding the Claim within the time specified. Sellers who fail to respond in a timely manner to our inquiries regarding a Claim forfeit any right to appeal, and we will reimburse the buyer from the seller's PayPal Account.    
    330    
    331 11.17 Release of PayPal.  If you have a dispute with one or more Users, you release PayPal (and our officers, directors, agents, joint ventures and employees) 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.    
    332    
    333 11.18 Definitions.  
    334  
    335     1. Buyer Protection Program  means the PayPal Buyer Complaint Policy and PayPal Buyer Protection Policy, all as further described in this section 12.  
    336     2. Balance  means any money that you have in your PayPal Account. The terms "money" and "funds" are used interchangeably in this Agreement.  
    337     3. Chargeback  means a request made by a buyer directly to his or her credit card company to invalidate a payment.  
    338     4. Claim  means a request for reimbursement under a Buyer Protection Program.  
    339     5. Dispute  means a dispute filed by a User (buyer) in the [ Online Resolution Center. ](http://pages.ebay.ca/securitycentre/?ssPageNam=home:f:f:CA) 
    340     6. PayPal Mobile  means a Service that allows you to send and receive payments through your mobile phone,  
    341     7. Reversal  means a payment that you received has been removed from your Balance for any reason other than a Chargeback or Claim pursuant to a Buyer Protection Program.  
    342     8. seller  and  merchant  are used interchangeably and mean a User who is selling goods and/or services and using the Services to receive payment.  
    343     9. Significantly Not as Described  means the definition provided in section 11.11.  
    344     10. User,  you  or  your  are used interchangeably and mean a User who is selling goods and/or services and using the Services to receive payment.    
    345    
    346  
    347  
    348   12. Assignability.  You may not transfer any rights or obligations you may have under this Agreement without the prior written consent of PayPal. PayPal reserves the right to transfer this Agreement or any right or obligation under this Agreement without your consent.    
    349    
    350  
    351   13. Legal Compliance.  You shall comply with all applicable Canada and international laws, statutes, ordinances, regulations, contracts and applicable licenses regarding your use of our Services.    
    352    
    353  
    354   14. Notices.     
    355    
    356  
    357  
    358 14.1 Electronic Communications.  You agree that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Service ("Communications"), may be provided to you electronically and you agree to receive all Communications from PayPal in electronic form. Electronic Communications may be posted on the pages within the PayPal website and/or delivered to your e-mail address. You may print a copy of any Communications and retain it for your records. All Communications in either electronic or paper format will be considered to be in "writing," and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. PayPal reserves the right but assumes no obligation to provide Communications in paper format.    
    359    
    360 14.2 Credit Report.  You agree that PayPal may order and review your credit report with the sole purpose of assessing your fitness to hold a PayPal account and/or your ability to use the Service or features thereof.    
    361    
    362 14.3 Procedure.  Except as explicitly stated otherwise, any notices shall be given by postal mail to PayPal CA Limited, Attn: Legal Department, 2211 North First Street, San Jose, California 95131 (in the case of PayPal) or to our online message center or the email address you provide to PayPal during the registration process (in your case). Notice shall be deemed given 24 hours after posted or email is sent, unless the sending party is aware that the electronic communication was not received. Alternatively, we may give you notice by mail to the address provided to PayPal during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing.  
    363  
    364    
    365  
    366   15. Legal Disputes.  In the event a dispute arises between you and PayPal, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and PayPal agree that any controversy or claim at law or equity that arises out of this Agreement or PayPal's services ("Claims") shall be resolved in accordance with one of the subsections below, or as otherwise mutually agreed upon in writing by the parties. Before resorting to these alternatives, PayPal strongly encourages users first to contact PayPal directly to seek a resolution. PayPal will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.    
    367    
    368  
    369  
    370 15.1 Arbitration.  For any Claim (excluding Claims for injunctive or other equitable relief) where the total amount of the award sought is less than an equivalent of $10,000.00 USD, you or PayPal may elect to resolve the dispute through binding arbitration conducted by telephone, on-line, and/or based solely upon written submissions where no in-person appearance is required. In such cases, the arbitration shall be administered by the Singapore International Arbitration Centre, or any other established ADR provider mutually agreed upon by the parties. Any judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.    
    371    
    372 15.2 Court.  Alternatively, any Claim may be adjudicated by a court of competent jurisdiction located in New Brunswick, Canada or where the defendant is located (in PayPal's case, Singapore, and in your case, your home address or principal place of business). You and PayPal agree to submit to the personal jurisdiction of the courts located in New Brunswick, Canada.    
    373    
    374 15.3 Alternative Dispute Resolution.  PayPal will consider use of other alternative forms of dispute resolution, such as binding arbitration to be held in New Brunswick, Canada or another location mutually agreed upon by the parties.    
    375    
    376 15.4 Violations of Section 15.  All Claims (excluding requests for injunctive or equitable relief) between the parties must be resolved using the dispute resolution mechanism that is selected in accordance with this Section by the party first to assert a Claim, either through a court filing or commencement of arbitration. Should either party file an action contrary to this Section 15, the other party may recover lawyers' fees and costs up to an equivalent of $1,000.00 USD, provided that the party seeking the award has notified the other party in writing of the improperly filed Claim, and the other party has failed to withdraw the Claim.  
    377  
    378    
    379  
    380   16. General.  This Agreement is governed by and interpreted under the laws of Canada as such laws are applied to agreements entered into and to be performed entirely within Canada by Canadian residents. We do not guarantee continuous, uninterrupted or secure access to our service, and operation of our site may be interfered with by numerous factors outside of our control. 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. You agree that this Agreement and all incorporated agreements may be automatically assigned by PayPal, in our sole discretion, to a third party in the event of a merger or acquisition. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement and the documents it incorporates set forth the entire understanding between us with respect to the subject matter hereof. Sections (3) Fees, (2.4) Release, (8) Access and Interference, (2.6) Limitation of Liability, (2.7) Indemnity, and (16) Legal Disputes shall survive any termination or expiration of this Agreement.    
    381    
    382  
    383   17. Disclosures.  The Services are offered by PayPal CA Limited, 2211 North First Street, San Jose, California 95131. If you are a Canadian 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 our [ Fees Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_fees-outside) .    
     171  11. Assignability.  You may not transfer any rights or obligations you may have under this Agreement without the prior written consent of PayPal. PayPal reserves the right to transfer this Agreement or any right or obligation under this Agreement without your consent.    
     172   
     173 
     174  12. Legal Compliance.  You shall comply with all applicable Canada and international laws, statutes, ordinances, regulations, contracts and applicable licenses regarding your use of our Services.    
     175   
     176 
     177  13. Notices.     
     178   
     179 
     180 
     18113.1 Electronic Communications.  You agree that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Service ("Communications"), may be provided to you electronically and you agree to receive all Communications from PayPal in electronic form. Electronic Communications may be posted on the pages within the PayPal website and/or delivered to your e-mail address. You may print a copy of any Communications and retain it for your records. All Communications in either electronic or paper format will be considered to be in "writing," and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. PayPal reserves the right but assumes no obligation to provide Communications in paper format.    
     182   
     18313.2 Credit Report.  You agree that PayPal may order and review your credit report with the sole purpose of assessing your fitness to hold a PayPal account and/or your ability to use the Service or features thereof.    
     184   
     18513.3 Procedure.  Except as explicitly stated otherwise, any notices shall be given by postal mail to PayPal CA Limited, Attn: Legal Department, 2211 North First Street, San Jose, California 95131 (in the case of PayPal) or to our online message center or the email address you provide to PayPal during the registration process (in your case). Notice shall be deemed given 24 hours after posted or email is sent, unless the sending party is aware that the electronic communication was not received. Alternatively, we may give you notice by mail to the address provided to PayPal during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing.  
     186 
     187   
     188 
     189  14. Legal Disputes.  In the event a dispute arises between you and PayPal, our goal is to provide you with a neutral and cost effective means of resolving the dispute quickly. Accordingly, you and PayPal agree that any controversy or claim at law or equity that arises out of this Agreement or PayPal's services ("Claims") shall be resolved in accordance with one of the subsections below, or as otherwise mutually agreed upon in writing by the parties. Before resorting to these alternatives, PayPal strongly encourages users first to contact PayPal directly to seek a resolution. PayPal will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.    
     190   
     191 
     192 
     19314.1 Arbitration.  For any Claim (excluding Claims for injunctive or other equitable relief) where the total amount of the award sought is less than an equivalent of $10,000.00 USD, you or PayPal may elect to resolve the dispute through binding arbitration conducted by telephone, on-line, and/or based solely upon written submissions where no in-person appearance is required. In such cases, the arbitration shall be administered by the Singapore International Arbitration Centre, or any other established ADR provider mutually agreed upon by the parties. Any judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.    
     194   
     19514.2 Court.  Alternatively, any Claim may be adjudicated by a court of competent jurisdiction located in New Brunswick, Canada or where the defendant is located (in PayPal's case, Singapore, and in your case, your home address or principal place of business). You and PayPal agree to submit to the personal jurisdiction of the courts located in New Brunswick, Canada.    
     196   
     19714.3 Alternative Dispute Resolution.  PayPal will consider use of other alternative forms of dispute resolution, such as binding arbitration to be held in New Brunswick, Canada or another location mutually agreed upon by the parties.    
     198   
     19914.4 Violations of Section 15.  All Claims (excluding requests for injunctive or equitable relief) between the parties must be resolved using the dispute resolution mechanism that is selected in accordance with this Section by the party first to assert a Claim, either through a court filing or commencement of arbitration. Should either party file an action contrary to this Section 15, the other party may recover lawyers' fees and costs up to an equivalent of $1,000.00 USD, provided that the party seeking the award has notified the other party in writing of the improperly filed Claim, and the other party has failed to withdraw the Claim.  
     200 
     201   
     202 
     203  15. General.  This Agreement is governed by and interpreted under the laws of Canada as such laws are applied to agreements entered into and to be performed entirely within Canada by Canadian residents. We do not guarantee continuous, uninterrupted or secure access to our service, and operation of our site may be interfered with by numerous factors outside of our control. 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. You agree that this Agreement and all incorporated agreements may be automatically assigned by PayPal, in our sole discretion, to a third party in the event of a merger or acquisition. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement and the documents it incorporates set forth the entire understanding between us with respect to the subject matter hereof. Sections (3) Fees, (2.4) Release, (8) Access and Interference, (2.6) Limitation of Liability, (2.7) Indemnity, and (16) Legal Disputes shall survive any termination or expiration of this Agreement.    
     204   
     205 
     206  16. Disclosures.  The Services are offered by PayPal CA Limited, 2211 North First Street, San Jose, California 95131. If you are a Canadian 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 our [ Fees Policy ](http://www.paypal.com/row/cgi-bin/webscr?cmd=p/gen/ua/policy_fees-outside) .    
    384207   
    385208Disputes between you and PayPal regarding our Services may be reported to Customer Support online through the [ PayPal Help Center ](http://www.paypal.com/row/cgi-bin/webscr?cmd=_help) at any time, or by calling +1402 935 2050 from 6 AM to midnight Central Time.  
    …… 
    391214Buyer Protection Policy  
    392215 
    393   1. Buyer Protection Programs  If you buy an item using PayPal and either do not receive the item or receive an item that you believe is significantly not as described by the seller, we encourage you to open a Dispute with the seller in our Resolution Center. By doing so, you will initiate our Online Dispute Resolution Process--a step-by-step system designed to facilitate communication between you and the seller in order to get resolution of the issue. If your dialogue with the seller fails to produce a satisfactory result, you can then escalate the Dispute into a Claim that we will evaluate for reimbursement under one of the following programs:  
    394  
    395     * PayPal Buyer Complaint Policy - Our best efforts program to reimburse Users for losses only to the extent we are able to recover the funds from sellers.  
    396     * PayPal Buyer Protection Policy - Our program to reimburse Users for losses for up to $2,000.00 USD for eligible items purchased on eBay and $200.00 USD for all items purchased on eBay except those items identified below (see section 2 of this poicy to determine whether a transaction on eBay gets $2,000.00 USD coverage or $200.00 USD coverage). Section 2 is effective for items purchased on or after January 17, 2007.  
    397     * Buyer Protection for eBay Express - Our program to reimburse Users for the full amount of losses for items purchased on eBay Express.  
    398     * Extended Buyer Protection with PayPal Credit - Our program to reimburse Users for the full amount of losses for items purchased using the PayPal Plus Credit Card or PayPal Buyer Credit.  
    399  
    400 These programs only cover payments for tangible, physical goods. All other payments, such as payments for intangibles, for services or for licenses and other access to digital content are not covered by any Buyer Protection Program that we offer (but may be covered by Chargeback rights).  
    401   2. eBay Items Eligible for PayPal Buyer Protection.  Every item on eBay (except Live Auctions and vehicles) that meets the above requirements is eligible for PayPal Buyer Protection up to $200.00 USD, but items are only eligible for PayPal Buyer Protection up to $2,000.00 USD (and should be identified as eligible items in the eBay listing) if:  
    402  
    403     * The seller's eBay feedback rating is at least 50; at least 98% of the seller's eBay feedback is positive, the seller is a PayPal User from an eligible country, the seller has a Verified Premier or Verified Business Account in good standing; and  
    404     * The listing was on an eligible eBay site (eBay.com, eBay.ca and certain other eBay sites self identified as such) and PayPal is listed as an acceptable payment method.  
     216  1. Buyer Protection Programs  If you buy an item using PayPal and either do not receive the item or receive an item that you believe is significantly not as described by the seller, we encourage you to open a Dispute with the seller in our Resolution Center. By doing so, you will initiate our Online Dispute Resolution Process--a step-by-step system designed to facilitate communication between you and the seller in order to get resolution of the issue. If your dialogue with the seller fails to produce a satisfactory result, you can then escalate the Dispute into a Claim that we will evaluate for reimbursement under one of the following programs:    
     217 
     218 
     219    * PayPal Buyer Complaint Policy - Our best efforts program to reimburse Users for losses only to the extent we are able to recover the funds from sellers.    
     220 
     221    * PayPal Buyer Protection Policy - Our program to reimburse Users for losses for up to $2,000.00 USD for eligible items purchased on eBay and $200.00 USD for all items purchased on eBay except those items identified below (see section 2 of this poicy to determine whether a transaction on eBay gets $2,000.00 USD coverage or $200.00 USD coverage). Section 2 is effective for items purchased on or after January 17, 2007.    
     222 
     223    * Buyer Protection for eBay Express - Our program to reimburse Users for the full amount of losses for items purchased on eBay Express.    
     224 
     225    * Extended Buyer Protection with PayPal Credit - Our program to reimburse Users for the full amount of losses for items purchased using the PayPal Plus Credit Card or PayPal Buyer Credit.    
     226   
     227 
     228 
     229These programs only cover payments for tangible, physical goods. All other payments, such as payments for intangibles, for services or for licenses and other access to digital content are not covered by any Buyer Protection Program that we offer (but may be covered by Chargeback rights).    
     230   
     231 
     232  2. eBay Items Eligible for PayPal Buyer Protection.  Every item on eBay (except Live Auctions and vehicles) that meets the above requirements is eligible for PayPal Buyer Protection up to $200.00 USD, but items are only eligible for PayPal Buyer Protection up to $2,000.00 USD (and should be identified as eligible items in the eBay listing) if:    
     233 
     234 
     235    * The seller's eBay feedback rating is at least 50; at least 98% of the seller's eBay feedback is positive, the seller is a PayPal User from an eligible country, the seller has a Verified Premier or Verified Business Account in good standing; and    
     236 
     237    * The listing was on an eligible eBay site (eBay.com, eBay.ca and certain other eBay sites self identified as such) and PayPal is listed as an acceptable payment method.    
     238   
     239 
    405240 
    406241This section is effective for items purchased on or after January 17, 2007.     
    …… 
    410245 
    411246 
    412   1. Benefits  The Seller Protection Policy, which applies only to Verified Business and Premier Accounts, reimburses sellers of certain types of goods who follow certain sound selling practices. If your transaction is eligible for the Seller Protection Policy, PayPal will reimburse you for the amount of the Chargeback or Reversal and, if applicable, waive the Chargeback Fee.  
    413   2. Coverage  The Seller Protection Policy is limited to the following payout amounts per year for combined eligible Chargebacks and Reversals:  
    414  
    415     * $5,000.00 USD  
    416     * $6,500.00 CAD  
    417     * €4,000.00 EUR  
    418     * £3,250.00 GBP  
    419     * ¥550,000 JPY  
    420     * $7,000.00 AUD  
     247  1. Benefits  The Seller Protection Policy, which applies only to Verified Business and Premier Accounts, reimburses sellers of certain types of goods who follow certain sound selling practices. If your transaction is eligible for the Seller Protection Policy, PayPal will reimburse you for the amount of the Chargeback or Reversal and, if applicable, waive the Chargeback Fee.    
     248   
     249 
     250  2. Coverage  The Seller Protection Policy is limited to the following payout amounts per year for combined eligible Chargebacks and Reversals:    
     251 
     252 
     253    * $5,000.00 USD    
     254 
     255    * $6,500.00 CAD    
     256 
     257    * €4,000.00 EUR    
     258 
     259    * £3,250.00 GBP    
     260 
     261    * ¥550,000 JPY    
     262 
     263    * $7,000.00 AUD    
     264   
     265 
    421266 
    422267Please note that the combined annual total may not exceed the limit for any one currency.    
    423268   
    424 A Chargeback is covered if it was due to non-receipt of merchandise, or an unauthorized payment. A Reversal is covered if it was due to an unauthorized payment. The Seller Protection Policy does not cover claims for Significantly Not as Described, or sales of intangible goods, services, or licenses for digital content.  
    425   3. Eligibility  In order to be eligible for coverage under the Seller Protection Policy, you must meet the following requirements:  
    426  
    427     * You must have a Verified Business or Verified Premier Account at the time of the transaction,  
    428     * The transaction must be between a US, UK or Canadian buyer and a US, UK or Canadian seller,  
    429     * The payment must be listed as "Seller Protection Policy Eligible" on the "Transaction Details" page,  
    430     * You must accept a single payment from one PayPal Account for the purchase,  
    431     * You must not charge a surcharge for accepting PayPal,  
    432     * You must ship the purchased item to the address listed on the "Transaction Details" page, and that address must be identified as a Confirmed Address,  
    433     * You must ship the item to the buyer within 7 Days of receiving payment,  
    434     * You must have trackable online proof of delivery from an independent shipper to the address on the "Transaction Details" page. For transactions involving $250.00 USD or more, you must provide a proof of receipt that was signed or otherwise acknowledged by the buyer, and  
    435     * You must respond to PayPal's requests for information within the time period PayPal specifies.  
    436  
    437 Please note that in order to be eligible for our Seller Protection Policy you must ship the item as required in this section. If you hand deliver an item, or provide delivery in any manner other than required in this section, your transaction will not be eligible for the Seller Protection Policy.  
     269A Chargeback is covered if it was due to non-receipt of merchandise, or an unauthorized payment. A Reversal is covered if it was due to an unauthorized payment. The Seller Protection Policy does not cover claims for Significantly Not as Described, or sales of intangible goods, services, or licenses for digital content.    
     270   
     271 
     272  3. Eligibility  In order to be eligible for coverage under the Seller Protection Policy, you must meet the following requirements:    
     273 
     274 
     275    * You must have a Verified Business or Verified Premier Account at the time of the transaction,    
     276 
     277    * The transaction must be between a US, UK or Canadian buyer and a US, UK or Canadian seller,    
     278 
     279    * The payment must be listed as "Seller Protection Policy Eligible" on the "Transaction Details" page,    
     280 
     281    * You must accept a single payment from one PayPal Account for the purchase,    
     282 
     283    * You must not charge a surcharge for accepting PayPal,    
     284 
     285    * You must ship the purchased item to the address listed on the "Transaction Details" page, and that address must be identified as a Confirmed Address,    
     286 
     287    * You must ship the item to the buyer within 7 Days of receiving payment,    
     288 
     289    * You must have trackable online proof of delivery from an independent shipper to the address on the "Transaction Details" page. For transactions involving $250.00 USD or more, you must provide a proof of receipt that was signed or otherwise acknowledged by the buyer, and    
     290 
     291    * You must respond to PayPal's requests for information within the time period PayPal specifies.    
     292   
     293 
     294 
     295Please note that in order to be eligible for our Seller Protection Policy you must ship the item as required in this section. If you hand deliver an item, or provide delivery in any manner other than required in this section, your transaction will not be eligible for the Seller Protection Policy.    
     296   
     297 
    438298  4. Process  If there is a Chargeback or Reversal, and the seller's Account is a Verified Business or Premier account, we will place a temporary hold on the transaction amount, and evaluate the transaction to determine whether it is eligible for our Seller Protection Policy. (If the seller's Account is not Verified, or is a Personal Account, then there will be no temporary hold placed on the funds; rather, the amount of the payment will be automatically transferred to PayPal, and PayPal will automatically transfer the funds back to the buyer's Account.) If we determine that the transaction qualifies for Seller Protection, we will lift the temporary hold and restore your access to the funds. Please note that eligibility under the Seller Protection Policy is not a requirement to win a Claim filed by a buyer.  
    439299 

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

    r325 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/us/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/us/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/us/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/us/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/us/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/us/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/us/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/us/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/us/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/us/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/us/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/ch/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/cy/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&country.x=CY

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cy/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 

  • paypal/www.paypal.com/es/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/fr/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/it/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/j1/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=ja_JP

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/nl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_US

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/nl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=nl_NL

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/pl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=en_GB

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. We may disclose the information we collect from you to companies that market PayPal-related products and services on our behalf. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.    
    153    
     68We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.  
    15469 
    155   2. We may disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that PayPal is jointly marketing with these financial institutions (such as the PayPal Plus credit card issued by GE Money Bank). These financial institutions are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified PayPal-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.    
    156    
    157 If you do not want PayPal to share any of your information with these financial institutions who are our joint marketing partners, please log in to your account to set your Notification preferences in the  Profile  page of the  My Account  tab to indicate that you do not want to receive Partner/Third-Party Promotions or the PayPal Periodical Monthly Newsletter and Product Updates. Use the following URL to see your Notification preferences: https://www.paypal.com/PREFS-NOTI.    
    158    
     70We 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.  
    15971 
    160   3. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other 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) to victims who request it.    
    161    
     72How we protect and store personal information  
    16273 
    163   4. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.    
    164    
     74Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.  
    16575 
    166   5. When a user signs up for a co-branded version of PayPal (e.g. PayPal Evite) through links to PayPal from our co-branded partner's website, PayPal will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between PayPal's services and the services of our co-branded partner. If you do not want your information shared with PayPal's co-branded partner, you should sign up with PayPal directly and not through a link from our partner's website.    
    167    
     76We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.  
    16877 
    169   6. If you choose to invest in the PayPal Money Market Fund, we will share your information with PayPal Funds, a Delaware business trust which is the issuer of the Money Market Fund, and with PayPal Asset Management, Inc., a wholly-owned subsidiary of PayPal that is the transfer agent for the Money Market Fund, so that you can complete your investment more easily and can move funds into and out of the Money Market Fund without re-entering your personal information for every transaction.    
    170    
     78How we use the personal information we collect  
    17179 
    172   7. We 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).    
    173    
     80Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to:  
    17481 
    175   8. We share 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 California. However, this aggregated information is not tied to personally identifiable information.    
    176    
     82  * provide the services and customer support you request;  
     83  * process transactions and send notices about your transactions  
     84  * resolve disputes, collect fees, and troubleshoot problems;  
     85  * prevent potentially prohibited or illegal activities, and enforce our User Agreement;  
     86  * customize, measure, and improve our services and the content and layout of our website;  
     87  * send you targeted marketing, service update notices, and promotional offers based on your communication preferences;  
     88  * compare information for accuracy and verify it with third parties.  
    17789 
    178   9. 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 as described in Section A above.    
    179    
     90How we share personal information with other PayPal users  
    18091 
    181   10. We share your information with our parent, subsidiaries, affiliates and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.   
     92To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayPal customers, and whether you have verified control of a bank account are displayed to other PayPal customers who you transact with through PayPal.  
    18293 
     94If 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.  
    18395 
    184    
    185 Our Contacts with PayPal Customers     
    186 We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail 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.    
    187    
    188 We also use your e-mail 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 Web site 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.    
    189    
    190 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.    
    191    
    192 Internet Address Information     
    193 We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.    
    194    
    195 Your Use of Information and Our Services     
    196 In order to facilitate the transactions between PayPal members, our service allows you limited access other users' contact or shipping information. As a seller you may have access to the User ID, email address and other contact or shipping 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.    
    197    
    198 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 an 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, shipping and fraud complaints), and (c) any other purpose that such user expressly agrees to after adequate disclosure of the purpose(s).    
    199    
    200 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.    
    201    
    202 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/ewf/f=pps_spam) .    
    203    
    204 Merchant Referral Program     
    205 When you sign up for a PayPal account, you become eligible to participate in our Merchant Referral Bonus program. We provide you with a link on the [ Merchant Referral Bonus page ](http://www.paypal.com/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/cgi-bin/webscr?cmd=p/gen/ua/policy_bonus-outside) , you are 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/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .    
    206    
    207 Please use our referral program responsibly. We strictly enforce our [ Anti-Spam Policy ](http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/spam-outside) ! Read details on the [ Referral Bonus ](http://www.paypal.com/cgi-bin/webscr?cmd=_web-referrals-mrb-outside) .  
    208    
     96We work with 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 attempt 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.  
    20997 
     98Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through PayPal, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.  
    21099 
    211 * * * 
     100How we share personal information with other parties  
    212101 
    213    
    214 D. Information Security     
    215    
     102We may share your personal information with:  
    216103 
    217 Information Security     
    218 PayPal is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes. For more information on PayPal's security practices, please visit the [ PayPal Security Center ](http://www.paypal.com/cgi-bin/webscr?cmd=_security-center-outside) .    
    219    
    220 The security of your PayPal account also relies on your protection of your PayPal password. You may not share your PayPal password with anyone. 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 https://www.paypal.com and changing your Profile settings, and also contact us right away.    
    221    
    222 PayPal will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the PayPal website, which will always have a URL beginning with  https://www.paypal.com/  .    
    223    
    224 Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.paypal.com/ should be treated as unauthorized and suspicious and should be reported to PayPal immediately by forwarding the email to spoof@paypal.com.  
    225    
     104  * Members of our corporate family (these are companies owned by our parent, eBay Inc., such as Shopping.com or Skype) to help detect and prevent potentially illegal acts, provide joint services and for other business purposes. However, these corporate affiliates will not use this information to market their services to you unless you have approved it.  
     105  * Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.  
     106  * Financial institutions that we partner with to jointly create and offer a product such as the PayPal Plus credit card where we share information with GE Money Bank to determine whether you should receive pre-approved offers for the PayPal Plus credit card. These financial institutions may only use this information to market PayPal-related products, unless you have given consent for other uses.  
     107  * Credit bureaus to report outstanding negative balance accounts, as allowed by law.  
     108  * Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)  
     109  * Law enforcement, government officials, or other third parties when  
    226110 
     111    * we are compelled to do so by a subpoena, court order or similar legal procedure  
     112    * we need to do so to comply with law  
     113    * we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.  
    227114 
    228 * * * 
     115  * Other third parties with your consent or direction to do so.  
    229116 
    230    
    231 E. Accessing and Changing Your Information     
    232    
     117PayPal will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.  
    233118 
    234 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 Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PayPal Web site. 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 (for example, to send former Money Market Fund investors a report of dividends paid during the calendar year for tax reporting purposes).  
    235    
     119How you can restrict PayPal from sharing your personal information  
    236120 
     121Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:  
    237122 
    238 * * * 
     123If you do not want PayPal to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the box in the Information Sharing section of the Notifications and Information Sharing page. This page can be accessed by going to the  Profile  subtab under the  My Account  tab.  
    239124 
    240    
    241 F. Contacting Us     
    242    
     125You can also control how we use your contact information to market our services to you in the notifications preferences.  
    243126 
    244 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/ewf/f=ci_prv) , call 402-935-7733 Monday through Friday between the hours of 4am and 10pm PST, or write us at PayPal, P.O. Box 45950, Omaha, NE 68145-0950.    
    245    
    246 With respect to our privacy practices as a financial institution and our compliance with this Privacy Policy, PayPal is regulated by the Federal Trade Commission (FTC). You can obtain information about the FTC at [ http://www.ftc.gov ](http://www.ftc.gov) .  
     127How you can access or change your personal information  
     128 
     129You can review your personal information and make any necessary changes, at any time by logging in to your account and changing your preferences in the Profile page of the "My Account" tab.  
     130 
     131How you can contact us about privacy questions  
     132 
     133If you have questions or concerns regarding this policy, you should contact us by using [ this form ](https://www.paypal.com/cgi-bin/webscr?cmd=ewf/f=ci_prv) or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA  
     134 
     135PayPal is a TRUSTe licensee. If our response to your privacy concern is unsatisfactory, then you should contact TRUSTe by completing the form located at: http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding our privacy practices. Please note that TRUSTe will not intervene for any other type of issue with your account.  
    247136 
    248137##  More Information  

  • paypal/www.paypal.com/pl/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside&locale.x=pl_PL

    r330 r336  
    77  * [ Auction Tools  ](http://www.paypal.com/cgi-bin/webscr?cmd=_auction-outside) 
    88 
    9 #  Privacy Policy  
     9#  Privacy Policy for PayPal Services  
    1010 
    1111* * * 
    …… 
    1515   
    1616 
    17 The Privacy Policy below governs your PayPal account and any information you provide on this site.    
     17 
     18This policy describes the ways we collect, store, use and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. We last modified this Policy on June 7, 2007  
     19 
     20   
    1821   
    1922 
    2023 
    21 * * * 
    22  
    2324   
    24  
    25 [ ](http://www.bbbonline.org/cks.asp?id=20111061155818568) [ ](http://www.truste.org/ivalidate.php?url=www.paypal.com&sealid=101) A. [ Overview ](#introduction)    
    26 B. [ Information We Collect ](#information)    
    27 C. [ Our Use and Disclosure of Information ](#use)    
    28 D. [ Information Security ](#security)    
    29 E. [ Accessing and Changing Your Information ](#access)    
    30 F. [ Contacting Us ](#contact) 
    31  
    32 * * * 
    33  
    3425   
    35 A. Overview     
    3626   
    37  
    38 In order to operate the PayPal service and to reduce the risk of fraud, PayPal Inc, ("PayPal" or "we") must ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information.    
    3927   
    40 If you apply for a PayPal branded credit card or credit line, you authorize PayPal and the issuer of the PayPal branded credit card or credit line to exchange the information you provide in the application form. If you are approved for a PayPal branded credit card or credit line, your credit account will be governed by the issuing bank's privacy policy.    
    4128   
    42 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, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the PayPal.com Web site, whether the services are offered by PayPal, by its subsidiaries, or by the PayPal Money Market Fund.    
    4329   
    44 Your privacy is important to us. By participating in the Council of Better Business Bureau's BBBOnLine(r) Privacy Program we have made a commitment to meet the program's strict requirements regarding how we treat your information and have it verified by BBBOnLine. Further information about this program is available at [ http://www.bbbonline.org ](http://www.bbbonline.org) .    
    45    
    46 Additionally, in order to enhance the protection of your privacy and our compliance with this Privacy Policy, PayPal has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark, PayPal has agreed to notify you of:    
    4730   
    4831 
    4932 
    50   1. What personally identifiable information of yours is collected by PayPal.  
    51   2. The organization collecting the information.  
    52   3. How the information is used.  
    53   4. With whom the information may be shared.  
    54   5. What choices are available to you regarding collection, use and distribution of the information.  
    55   6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under PayPal's control.  
    56   7. How you can correct any inaccuracies in the information.  
     33  * [ How we collect information about you ](#section-one) 
     34  * [ How we use cookies ](#section-two) 
     35  * [ How we protect and store personal information ](#section-three) 
     36  * [ How we use the personal information we collect ](#section-four) 
     37  * [ How we share personal information with other PayPal users ](#section-five) 
     38  * [ How we share personal information with other parties ](#section-six) 
     39  * [ How you can restrict PayPal from sharing your personal information ](#section-seven) 
     40  * [ How you can access or change your personal information ](#section-eight) 
     41  * [ How you can contact us about privacy questions ](#section-nine) 
    5742 
    58 If you have questions or concerns regarding this Privacy Policy, you should first contact PayPal using [ this form ](http://www.paypal.com/ewf/f=ci_prv) . If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe [ http://www.truste.org/consumers/watchdog_complaint.php ](http://www.truste.org/consumers/watchdog_complaint.php) . TRUSTe will then serve as a liaison with PayPal to resolve your concerns. Please note that TRUSTe will not intervene for any other type of issue with your account.    
    5943   
    60 By accepting the Privacy Policy and User Agreement in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the PayPal User Agreement. This Privacy Policy will take effect on March 4, 2003. This Privacy Policy was last updated on May 3, 2007.    
    61    
    62 Please note that your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country but PayPal will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the PayPal service.    
    63    
    64 For purposes of compliance with US Federal Reserve Regulation E, this Privacy Policy also serves as notice about how your account information is used and disclosed by us.    
    65    
    66 Notification of Changes     
    67 This policy may be revised over time as new features are added to the PayPal service or as we incorporate suggestions from our customers. 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, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your PayPal account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).    
    68    
    69 We will post the amended Privacy Policy prominently on our Web site 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 Web site at [ www.paypal.com ](https://www.paypal.com) at any time for the most current version of our Privacy Policy.    
    70    
    71 PayPal Shops and other pages on the PayPal Web site include links to third party Web sites. 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 Web sites should review the privacy statement of these sites before providing them with personally identifiable information.    
    72    
    73 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.  
    7444   
    7545 
    7646 
    77 * * * 
     47How we collect information about you  
    7848 
    79    
    80 B. Information We Collect     
    81    
     49When you visit the PayPal website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.  
    8250 
    83 Required Information     
    84 To open a PayPal account, you must provide your name, address, phone number, and e-mail address. In order to make payments through PayPal, you must provide credit card, debit card or bank account information (bank account information is required to make payments totaling more than $1,000.00 USD). 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 checking account fraud, and to contact you should the need arise in administering your account.    
    85    
    86 Pursuant to section 326 of the USA PATRIOT Act, the U.S. Department of the Treasury and the Securities and Exchange Commission require PayPal Funds to obtain, verify, and record the following information for each investor in the PayPal Money Market Fund.    
    87    
     51If you open an account, we collect the following types of information from you:  
    8852 
     53  * Contact information - your name, address, phone, email, Skype ID and other similar information.  
     54  * Financial information - the bank account numbers and credit card numbers that you link to your PayPal account.  
    8955 
    90   * Name  
    91   * Address  
    92   * Date of Birth (for Individuals)  
    93   * Tax Identification Number (social security number for individuals or employer identification number for businesses)  
     56Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.  
    9457 
    95 In order to comply with the Bank Secrecy Act, we will also require your Tax Identification Number if you send or receive certain high-value transactions or high overall payment volumes through PayPal. If you choose to register or apply for certain optional features or products offered through PayPal Web sites, such as listing your business in PayPal Shops, or applying for the PayPal Visa(r) credit card or the PayPal MasterCard(r) debit card, you will be required to provide additional information to establish that you qualify for such features or products.    
    96    
    97 Transaction Information     
    98 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, including 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.    
    99    
    100 Information About You From Third Parties     
    101 In order to protect all our customers against potential fraud, we verify with third parties the information you provide. 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 authorization and fraud screening services to verify that your card information and address matches the information that you supplied to PayPal, and that the card has not been reported as lost or stolen.    
    102    
    103 If you register your online business with PayPal Shops or 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 & Bradstreet. 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 for any account, and reserves the right to close an account based on information obtained during this credit review process.    
    104    
    105 Additional Verification     
    106 If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we ask you to send us additional information by fax (such as your drivers' license, 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.    
    107    
    108 Web Site Traffic Information     
    109 Because of the way that World Wide Web communication standards work, when you arrive at or leave the PayPal Web site, 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 Web site you visit while you are on the PayPal site, the type of browser you use and the times you access our Web site. 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. We do not track the Web sites that you visit before or after you leave the PayPal site.    
    110    
    111 Our Use of "Cookies"     
    112 "Cookies" are small files of data that reside on your computer and allow us to recognize 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 e-mail address and password. These cookies allow us to recognize 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.    
    113    
    114 We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your PayPal account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by PayPal. We may, however, share cookie information regarding whether or not a certain user is already registered with PayPal with certain merchants with whom we have an official co-marketing relationship.    
    115    
    116 Customer Service Correspondence     
    117 If you send us correspondence, including e-mails 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 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.    
    118    
    119 Questionnaires, Surveys and Profile Data     
    120 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.    
    121    
    122 Non-member Recipients and Requests     
    123 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 details were correct enough to reach them) as anyone else who uses PayPal.  
    124    
     58When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.  
    12559 
     60Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.  
    12661 
    127 * * * 
     62How we use cookies  
    12863 
    129    
    130 C. Our Use and Disclosure of Information     
    131    
     64When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.  
    13265 
    133 Internal Uses     
    134 We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to determine your eligibility to receive offers for special features or products, such as the PayPal debit card, and 4) to improve our products and services. At your option (as indicated in your PayPal Profile settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform, such as invoicing winning bidders on behalf of auction sellers.    
    135    
    136 We authorize access to individually identifiable information about our users only to those employees who require it to fulfill their job responsibilities.    
    137    
    138 Disclosure to Other PayPal Customers     
    139 If you are a registered PayPal user, your name, e-mail address, phone number (if applicable), Skype ID (if applicable), date of sign-up, and whether you have verified 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 subpoena or other legal process.    
    140    
    141 If you are buying goods or services and paying through PayPal, the seller of the goods or services may request that you provide a mailing address that PayPal has confirmed as matching the billing address in the credit card system. You do not have to provide this information. If you do not provide the information, however, the seller may choose not to accept your PayPal payment and not to complete the transaction.    
    142    
    143 We work with third party merchants to enable them to accept payments from you, including direct credit card payments. Merchants who use this service will share personally identifiable information you provide to them with PayPal in order to validate the information, assess the risks of your payment, or confirm the existence or status of your PayPal account. You permit PayPal to share information with the merchant on the validity of the personally identifiable information you provided to the merchant, and on the existence or status of your PayPal account.    
    144    
    145 PayPal does not store the personally identifiable information provided by these merchants to validate the existence of your account.    
    146    
    147 PayPal also discloses to other PayPal customers the number of payments you have received from Verified PayPal customers (as defined in the User Agreement on the www.paypal.com site), or other aggregate measures that provide an indication of your reputation with other PayPal customers.    
    148    
    149 Disclosure to Third Parties Other Than PayPal Customers     
    150 PayPal will not sell or rent any of your personally identifiable information to third parties. PayPal will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other PayPal customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.  
     66We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.  
    15167 
    152   1. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing