PAYPAL USERAGREEMENT c c
About Your Account
c c
ThiscusercagreementcwillcbeceffectivecforcallcuserscascofcDecemberc1,c2021.
Welcome to PayPal!
c c
ThiscusercagreementciscaccontractcbetweencyoucandcPayPalcPte.cLtd.,cacSingaporeanccompan
y,cgoverningcyourcusecofcyourcPayPalcaccountcandcthecPayPalcservices.cIfcyoucarecancindivid
ual,cyoucmustcbecacresidentcofconecofctheccountries/regionsclistedconcthecPayPalcWorldwidec
pagecandcatcleastc18cyearscold,corcthecagecofcmajoritycincyourccountry/regioncofcresidencectoc
opencacPayPalcaccountcandcusecthecPayPalcservices.cIfcyoucarecacbusiness,cthecbusinesscmustc
becorganizedcin,coperatingcin,corcacresidentcofconecofctheccountries/regionsclistedconcthecPay
PalcWorldwidecpagectocopencacPayPalcaccountcandcusecthecPayPalcservices.
BycopeningcandcusingcacPayPalcaccount,cyoucagreectoccomplycwithcallcofcthectermscandccondi
tionscincthiscusercagreement.cYoucalsocagreectoccomplycwithcthecfollowingcadditionalcpolicies
candceachcofcthecothercagreementsconcthecLegalcAgreementscpagecthatcapplyctocyou,cincludin
g:
• AcceptablecUsecPolicy
• AlternativecPaymentcMethodscTerms
Pleasecreadccarefullycallcofcthectermscandcconditionscofcthiscusercagreement,cthectermscofcthe
secpoliciescandceachcofcthecothercagreementscthatcapplyctocyou.
Wecmaycamendcthiscusercagreementcandcanycofcthecpoliciesclistedcabovecfromctimectoctime.c
Thecrevisedcversioncwillcbeceffectivecatcthectimecwecpostcitconcourcwebsite,cunlesscotherwisec
noted.cIfcourcchangescreducecyourcrightscorcincreasecyourcresponsibilitiescwecwillcpostcacnoti
ceconcthecPolicycUpdatescpagecofcourcwebsitecandcprovidecyoucwithcatcleastc14cdayscnotice.cA
llcfuturecchangescsetcoutcincthecPolicycUpdatescpagecalreadycpublishedconcthecLegalcAgreem
entscpagecatcthectimecyoucregistercforcthecPayPalcservicescarecincorporatedcbycreferencecintoc
thiscusercagreementcandcwillctakeceffectcascspecifiedcincthecPolicycUpdate.
Ifcyoucdocnotcagreectocthecrevisedctermscandcconditions,cyoucmustcstopcusingcthecPayPalcserv
ices,cclosecyourcaccountcandcterminatecyourcrelationshipcwithcuscwithoutccostcorcpenalty.cThi
scusercagreementcwillccontinuectocapplyctocyourcpreviouscusecofcourcservices.
About our main business
c c c
PayPalciscacpaymentcservicescprovidercandcactscascsuchcbyccreating,chosting,cmaintainingcan
dcprovidingcourcPayPalcservicesctocyoucviacthecinternet.cOurcservicescallowcyouctocsend
,paymentsctocanyonecwithcacPayPalcaccount,cand,cwherecavailable,ctocreceivecpayments.cOurc
servicecavailabilitycvariescbyccountry/region.cYouccancseecwhatcservicescarecavailablecincyou
rccountry/regioncbycloggingcintocyourcPayPalcaccount.
ThecPayPalcservicescarecofferedcbycPayPalcPte.cLtd.
ThiscusercagreementciscnotcacsolicitationcofcthecPayPalcservicescandcPayPalciscnotctargetingcan
yccountry/regioncorcmarketcthroughcthiscusercagreement.
Opening an Account
c c
Wecofferctwoctypescofcaccounts:cpersonalcaccountscandcbusinesscaccounts.cAllc
PayPalcaccountscletcyoucdocthingsclike:
• Sendcandcreceivecpayments.
• Buycthingsconline,cusingcmobilecdevicescorcincstores.
• Makecpaymentscusingcyourccreditccard,cdebitccard,cbankcaccount,cPayPalcbalance,ce
Chequecorcothercpaymentcmethods.
• Acceptccreditccard,cdebitccard,cbankcaccount,cPayPalcbalance,ceChequecorcothercp
aymentcmethodscfromcothers.
YoucarecresponsiblecforcmaintainingcadequatecsecuritycandccontrolcofcanycandcallcIDs,cp
asswords,cpersonalcidentificationcnumbers,corcanycotherccodescthatcyoucusectocaccesscyo
urcPayPalcaccountcandcthecPayPalcservices.
IncorderctocopencandcmaintaincacPayPalcaccount,cyoucmustclistcyourccorrectccountry/regioncofc
residencecandcprovidecuscwithccorrectcandcupdatedcaccountcinformation,cincludingcbutcnotcli
mitedctocpersonalcinformation,cfinancialcinformation,corcothercinformationcrelatedctocyoucorc
yourcbusiness.
Youcmustckeepcyourcmailingcaddress,cemailcaddresscandcotherccontactcinformationccurrentcin
cyourcPayPal caccountcprofile.
Personalcaccounts
Ifcyoucprimarilycneedctocmakecpurchasescandcsendcpaymentsctocfamilycandcfriends,cacperson
alcaccountciscprobablycrightcforcyou.cWithcacpersonalcaccountcyouccancdocthingsclike:
• Buycgoodscandcservices.
• Sendcandcrequestcpaymentscfromcfriendscandcfamily.
Youccancalsocusecacpersonalcaccountctocreceivecpaymentscforcthecsalecofcgoodscandcservices,
cbutcifcyoucplanctocusecyourcPayPalcaccountcprimarilyctocsellcthings,cyoucshould
,considercacbusinesscaccount.cYouccancconvertcyourcPayPalcaccountcfromcacpersonalcaccountc
tocacbusinesscaccountcshouldccircumstancescchange.
Businesscaccounts
WecrecommendcbusinesscaccountscforcpeoplecandcorganizationscthatcprimarilycusecPayPalcto
csellcgoodscorcservices, cevencifc yourcbusiness ciscnotcincorporated.cWithcacbusinesscaccount,c y
ouccancdocthingsclike:
• UsecaccompanycorcbusinesscnamecascthecnameconcyourcPayPalcaccount.
• AllowcemployeescaccessctocsomecofcthecfeaturescofcyourcPayPalcaccount.
• SigncupcforcPayPalcproductscthatcmeetcyourcbusinesscneeds.
Businesscaccountscmaycbecsubjectctocfeescthatcdiffercfromcthecfeescapplicablectocpersonalcacc
ounts.
Bycopeningcupcacbusinesscaccountcorcconvertingcacpersonalcaccountctocacbusinesscacco
unt,cyouccertifyctocuscthatcyoucarecusingcitcprimarilycforcacbusinesscorccommercialcpur
pose.cYoucalsocconsentctocPayPalcobtainingcyourcpersonalcand/orcbusinessccreditcrepo
rtcfromcaccreditcreportingcagencycatcaccountcopening,cwhencyoucrequestccertaincnewcp
roductscandcwhenevercwecreasonablycbelievectherecmaycbecancincreasedclevelcofcriskca
ssociatedcwithcyourcbusinesscaccount.
CommercialcEntitycAgreement
IfcthecactivitycthroughcanyctypecofcPayPalcaccountcyoucholdcreachesccertaincthresholdscorcin
volvesccertaincbusinesscsegmentscorcactivities,cyoucarecrequiredcbyctheccardcnetworksctocagre
ectocacCommercialcEntitycAgreementctocallowcyouctoccontinuecacceptingcVisacandcMasterC
ardcpayments.cIncthisccase,cthesecCommercialcEntitycAgreementscwillcapplyctocanycpaymen
tcprocessedcbycPayPalconcyourcbehalfcandcwillcformcpartcofcthiscusercagreement.
ThirdcPartycpermissions
YoucmustcbecthecbeneficialcownercofcyourcPayPalcaccount,candcconductcbusinessconlyconcbe
halfcofcyourself.
Youcmaycexpresslycgrant,cremovecandcmanagecpermissionscforcsomecthirdcpartiesctoctakecce
rtaincactionsconcyourcbehalf.cIncsomeccases,cyouccancdocthiscwhencloggedcintocyourcPayPalca
ccountc–
cincotherccases,c youccancdocthiscdirectlycwithcthecthirdcparty.cYoucacknowledgecthatcifcyoucgr
antcpermissioncforcacthirdcpartyctoctakecactionsconcyourcbehalf,cwecmaycdiscloseccertaincinfor
mationcaboutcyourcPayPalcaccountctocthiscthirdcparty.
Youcmaycpermitcthirdcpartycservicecprovidersclicensedcbycapplicableclawcto:
, • providecaccountcinformationcservicesctocaccesscinformationcaboutcyourcaccountconcy
ourcbehalf;
• confirmcwhethercancamountcnecessarycforcthecexecutioncofcaccard-
basedcpaymentctransactionciscavailableconcyourcaccount;cor
• providecpaymentcinitiationcservicesctocinitiatecpaymentscfromcyourcaccountconcy
ourcbehalf.
GrantingcpermissionctocanycthirdcpartyctocaccesscyourcPayPalcaccountcincanycwaycdoescnotcre
lievecyoucofcanycofcyourcresponsibilitiescundercthiscusercagreement.cYoucarecliablectocuscforct
hecactionscthatcyoucauthorizecthecthirdcpartiesctoccarrycout.cYoucwillcnotcholdcuscresponsiblecf
or,candcyoucwillcindemnifycuscfrom,canycliabilitycarisingcfromcthecactionscorcinactionscofcsuc
hcthirdcpartiescincconnectioncwithcthecpermissionscyoucgranted,csubjectctocyourcmandatorycle
galcrights.
Closing Your PayPal Account
c c c
Youcmaycclosecyourcaccountcandcterminatecyourcrelationshipcwithcuscatcanyctimecwithoutcco
stcorcpenalty,cbutcyoucwillcremaincliablecforcallcobligationscrelatedctocyourcPayPalcaccountcev
encaftercthecPayPalcaccountciscclosed.cWhencyoucclosecyourcPayPalcaccount,cwecwillccancelca
nycscheduledcorcincompletectransactions.cYoucmustcwithdrawcorctransfercanycPayPalcbalanc
ecfromcyourcPayPalcaccountcbeforecclosingcit.cYouccannotcwithdrawcorctransfercdigitalcgiftcc
ertificates/cardscthatcarecpurchasedcthroughcPayPalcDigitalcGiftscandclinkedctocyourcPayPalc
accountcascpaymentcmethods.cHowever,cevencwithoutcyourcPayPalcaccount,cyouccancstillcus
ectheccodescyoucreceivedcbycemailcwhencyoucpurchasedcthecgiftccertificates/cardsctocmakecpu
rchases.
Inccertainccases,cyoucmaycnotcclosecyourcPayPalcaccount,cincluding:
• Tocevadecancinvestigation.
• Ifcyouchavecacpendingctransactioncorcancopencdisputecorcclaim.
• IfcyourcPayPalcaccountchascacnegativecbalance.
• IfcyourcPayPalcaccountciscsubjectctocachold,climitationcorcreserve.
Link or Unlink a Payment Method
c c c c c
Youccanclinkcorcunlinkcaccreditccard,cdebitccardcorcacbankcaccountctocyourcPayPalcaccountcasc
acpaymentcmethod.cPleaseckeepcyourcpaymentcmethodcinformationccurrentc(i.e.ccreditccardcn
umbercandcexpirationcdate).cIfcthiscinformationcchanges,cwecmaycupdatecitcusingcinformatio
ncandcthirdcpartycsourcescavailablectocuscwithoutcanycactionconcyourcpart.cIfcyoucdocnotcwantcu
sctocupdatecyourccardcinformation,cyoucmaycremovecyourcpaymentcmethodcfromcyourcPayPa
lcaccount.cIfcwecupdatecyourcpaymentcmethod,cwecwillckeepcanycpreferencecsettingcattachedc
tocsuchcpaymentcmethod.cYoucmaycchoosectocconfirmcyourccard,csocthatcweccancverifycthatct
heccardciscvalidcandcthatcyoucarectheccardcowner.
Holding a PayPal Balance
c c c
About Your Account
c c
ThiscusercagreementcwillcbeceffectivecforcallcuserscascofcDecemberc1,c2021.
Welcome to PayPal!
c c
ThiscusercagreementciscaccontractcbetweencyoucandcPayPalcPte.cLtd.,cacSingaporeanccompan
y,cgoverningcyourcusecofcyourcPayPalcaccountcandcthecPayPalcservices.cIfcyoucarecancindivid
ual,cyoucmustcbecacresidentcofconecofctheccountries/regionsclistedconcthecPayPalcWorldwidec
pagecandcatcleastc18cyearscold,corcthecagecofcmajoritycincyourccountry/regioncofcresidencectoc
opencacPayPalcaccountcandcusecthecPayPalcservices.cIfcyoucarecacbusiness,cthecbusinesscmustc
becorganizedcin,coperatingcin,corcacresidentcofconecofctheccountries/regionsclistedconcthecPay
PalcWorldwidecpagectocopencacPayPalcaccountcandcusecthecPayPalcservices.
BycopeningcandcusingcacPayPalcaccount,cyoucagreectoccomplycwithcallcofcthectermscandccondi
tionscincthiscusercagreement.cYoucalsocagreectoccomplycwithcthecfollowingcadditionalcpolicies
candceachcofcthecothercagreementsconcthecLegalcAgreementscpagecthatcapplyctocyou,cincludin
g:
• AcceptablecUsecPolicy
• AlternativecPaymentcMethodscTerms
Pleasecreadccarefullycallcofcthectermscandcconditionscofcthiscusercagreement,cthectermscofcthe
secpoliciescandceachcofcthecothercagreementscthatcapplyctocyou.
Wecmaycamendcthiscusercagreementcandcanycofcthecpoliciesclistedcabovecfromctimectoctime.c
Thecrevisedcversioncwillcbeceffectivecatcthectimecwecpostcitconcourcwebsite,cunlesscotherwisec
noted.cIfcourcchangescreducecyourcrightscorcincreasecyourcresponsibilitiescwecwillcpostcacnoti
ceconcthecPolicycUpdatescpagecofcourcwebsitecandcprovidecyoucwithcatcleastc14cdayscnotice.cA
llcfuturecchangescsetcoutcincthecPolicycUpdatescpagecalreadycpublishedconcthecLegalcAgreem
entscpagecatcthectimecyoucregistercforcthecPayPalcservicescarecincorporatedcbycreferencecintoc
thiscusercagreementcandcwillctakeceffectcascspecifiedcincthecPolicycUpdate.
Ifcyoucdocnotcagreectocthecrevisedctermscandcconditions,cyoucmustcstopcusingcthecPayPalcserv
ices,cclosecyourcaccountcandcterminatecyourcrelationshipcwithcuscwithoutccostcorcpenalty.cThi
scusercagreementcwillccontinuectocapplyctocyourcpreviouscusecofcourcservices.
About our main business
c c c
PayPalciscacpaymentcservicescprovidercandcactscascsuchcbyccreating,chosting,cmaintainingcan
dcprovidingcourcPayPalcservicesctocyoucviacthecinternet.cOurcservicescallowcyouctocsend
,paymentsctocanyonecwithcacPayPalcaccount,cand,cwherecavailable,ctocreceivecpayments.cOurc
servicecavailabilitycvariescbyccountry/region.cYouccancseecwhatcservicescarecavailablecincyou
rccountry/regioncbycloggingcintocyourcPayPalcaccount.
ThecPayPalcservicescarecofferedcbycPayPalcPte.cLtd.
ThiscusercagreementciscnotcacsolicitationcofcthecPayPalcservicescandcPayPalciscnotctargetingcan
yccountry/regioncorcmarketcthroughcthiscusercagreement.
Opening an Account
c c
Wecofferctwoctypescofcaccounts:cpersonalcaccountscandcbusinesscaccounts.cAllc
PayPalcaccountscletcyoucdocthingsclike:
• Sendcandcreceivecpayments.
• Buycthingsconline,cusingcmobilecdevicescorcincstores.
• Makecpaymentscusingcyourccreditccard,cdebitccard,cbankcaccount,cPayPalcbalance,ce
Chequecorcothercpaymentcmethods.
• Acceptccreditccard,cdebitccard,cbankcaccount,cPayPalcbalance,ceChequecorcothercp
aymentcmethodscfromcothers.
YoucarecresponsiblecforcmaintainingcadequatecsecuritycandccontrolcofcanycandcallcIDs,cp
asswords,cpersonalcidentificationcnumbers,corcanycotherccodescthatcyoucusectocaccesscyo
urcPayPalcaccountcandcthecPayPalcservices.
IncorderctocopencandcmaintaincacPayPalcaccount,cyoucmustclistcyourccorrectccountry/regioncofc
residencecandcprovidecuscwithccorrectcandcupdatedcaccountcinformation,cincludingcbutcnotcli
mitedctocpersonalcinformation,cfinancialcinformation,corcothercinformationcrelatedctocyoucorc
yourcbusiness.
Youcmustckeepcyourcmailingcaddress,cemailcaddresscandcotherccontactcinformationccurrentcin
cyourcPayPal caccountcprofile.
Personalcaccounts
Ifcyoucprimarilycneedctocmakecpurchasescandcsendcpaymentsctocfamilycandcfriends,cacperson
alcaccountciscprobablycrightcforcyou.cWithcacpersonalcaccountcyouccancdocthingsclike:
• Buycgoodscandcservices.
• Sendcandcrequestcpaymentscfromcfriendscandcfamily.
Youccancalsocusecacpersonalcaccountctocreceivecpaymentscforcthecsalecofcgoodscandcservices,
cbutcifcyoucplanctocusecyourcPayPalcaccountcprimarilyctocsellcthings,cyoucshould
,considercacbusinesscaccount.cYouccancconvertcyourcPayPalcaccountcfromcacpersonalcaccountc
tocacbusinesscaccountcshouldccircumstancescchange.
Businesscaccounts
WecrecommendcbusinesscaccountscforcpeoplecandcorganizationscthatcprimarilycusecPayPalcto
csellcgoodscorcservices, cevencifc yourcbusiness ciscnotcincorporated.cWithcacbusinesscaccount,c y
ouccancdocthingsclike:
• UsecaccompanycorcbusinesscnamecascthecnameconcyourcPayPalcaccount.
• AllowcemployeescaccessctocsomecofcthecfeaturescofcyourcPayPalcaccount.
• SigncupcforcPayPalcproductscthatcmeetcyourcbusinesscneeds.
Businesscaccountscmaycbecsubjectctocfeescthatcdiffercfromcthecfeescapplicablectocpersonalcacc
ounts.
Bycopeningcupcacbusinesscaccountcorcconvertingcacpersonalcaccountctocacbusinesscacco
unt,cyouccertifyctocuscthatcyoucarecusingcitcprimarilycforcacbusinesscorccommercialcpur
pose.cYoucalsocconsentctocPayPalcobtainingcyourcpersonalcand/orcbusinessccreditcrepo
rtcfromcaccreditcreportingcagencycatcaccountcopening,cwhencyoucrequestccertaincnewcp
roductscandcwhenevercwecreasonablycbelievectherecmaycbecancincreasedclevelcofcriskca
ssociatedcwithcyourcbusinesscaccount.
CommercialcEntitycAgreement
IfcthecactivitycthroughcanyctypecofcPayPalcaccountcyoucholdcreachesccertaincthresholdscorcin
volvesccertaincbusinesscsegmentscorcactivities,cyoucarecrequiredcbyctheccardcnetworksctocagre
ectocacCommercialcEntitycAgreementctocallowcyouctoccontinuecacceptingcVisacandcMasterC
ardcpayments.cIncthisccase,cthesecCommercialcEntitycAgreementscwillcapplyctocanycpaymen
tcprocessedcbycPayPalconcyourcbehalfcandcwillcformcpartcofcthiscusercagreement.
ThirdcPartycpermissions
YoucmustcbecthecbeneficialcownercofcyourcPayPalcaccount,candcconductcbusinessconlyconcbe
halfcofcyourself.
Youcmaycexpresslycgrant,cremovecandcmanagecpermissionscforcsomecthirdcpartiesctoctakecce
rtaincactionsconcyourcbehalf.cIncsomeccases,cyouccancdocthiscwhencloggedcintocyourcPayPalca
ccountc–
cincotherccases,c youccancdocthiscdirectlycwithcthecthirdcparty.cYoucacknowledgecthatcifcyoucgr
antcpermissioncforcacthirdcpartyctoctakecactionsconcyourcbehalf,cwecmaycdiscloseccertaincinfor
mationcaboutcyourcPayPalcaccountctocthiscthirdcparty.
Youcmaycpermitcthirdcpartycservicecprovidersclicensedcbycapplicableclawcto:
, • providecaccountcinformationcservicesctocaccesscinformationcaboutcyourcaccountconcy
ourcbehalf;
• confirmcwhethercancamountcnecessarycforcthecexecutioncofcaccard-
basedcpaymentctransactionciscavailableconcyourcaccount;cor
• providecpaymentcinitiationcservicesctocinitiatecpaymentscfromcyourcaccountconcy
ourcbehalf.
GrantingcpermissionctocanycthirdcpartyctocaccesscyourcPayPalcaccountcincanycwaycdoescnotcre
lievecyoucofcanycofcyourcresponsibilitiescundercthiscusercagreement.cYoucarecliablectocuscforct
hecactionscthatcyoucauthorizecthecthirdcpartiesctoccarrycout.cYoucwillcnotcholdcuscresponsiblecf
or,candcyoucwillcindemnifycuscfrom,canycliabilitycarisingcfromcthecactionscorcinactionscofcsuc
hcthirdcpartiescincconnectioncwithcthecpermissionscyoucgranted,csubjectctocyourcmandatorycle
galcrights.
Closing Your PayPal Account
c c c
Youcmaycclosecyourcaccountcandcterminatecyourcrelationshipcwithcuscatcanyctimecwithoutcco
stcorcpenalty,cbutcyoucwillcremaincliablecforcallcobligationscrelatedctocyourcPayPalcaccountcev
encaftercthecPayPalcaccountciscclosed.cWhencyoucclosecyourcPayPalcaccount,cwecwillccancelca
nycscheduledcorcincompletectransactions.cYoucmustcwithdrawcorctransfercanycPayPalcbalanc
ecfromcyourcPayPalcaccountcbeforecclosingcit.cYouccannotcwithdrawcorctransfercdigitalcgiftcc
ertificates/cardscthatcarecpurchasedcthroughcPayPalcDigitalcGiftscandclinkedctocyourcPayPalc
accountcascpaymentcmethods.cHowever,cevencwithoutcyourcPayPalcaccount,cyouccancstillcus
ectheccodescyoucreceivedcbycemailcwhencyoucpurchasedcthecgiftccertificates/cardsctocmakecpu
rchases.
Inccertainccases,cyoucmaycnotcclosecyourcPayPalcaccount,cincluding:
• Tocevadecancinvestigation.
• Ifcyouchavecacpendingctransactioncorcancopencdisputecorcclaim.
• IfcyourcPayPalcaccountchascacnegativecbalance.
• IfcyourcPayPalcaccountciscsubjectctocachold,climitationcorcreserve.
Link or Unlink a Payment Method
c c c c c
Youccanclinkcorcunlinkcaccreditccard,cdebitccardcorcacbankcaccountctocyourcPayPalcaccountcasc
acpaymentcmethod.cPleaseckeepcyourcpaymentcmethodcinformationccurrentc(i.e.ccreditccardcn
umbercandcexpirationcdate).cIfcthiscinformationcchanges,cwecmaycupdatecitcusingcinformatio
ncandcthirdcpartycsourcescavailablectocuscwithoutcanycactionconcyourcpart.cIfcyoucdocnotcwantcu
sctocupdatecyourccardcinformation,cyoucmaycremovecyourcpaymentcmethodcfromcyourcPayPa
lcaccount.cIfcwecupdatecyourcpaymentcmethod,cwecwillckeepcanycpreferencecsettingcattachedc
tocsuchcpaymentcmethod.cYoucmaycchoosectocconfirmcyourccard,csocthatcweccancverifycthatct
heccardciscvalidcandcthatcyoucarectheccardcowner.
Holding a PayPal Balance
c c c
