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Policies retrieved Oct 20, 2026 About these sources
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Finance
PayPal lets consumers send and receive money and pay for purchases online, on mobile devices, and in stores.
paypal.com ↗U.S. adult consumer · plan and state unspecified
Originally analyzed Report updated
Explore what these saved policies say about your data, content, account, and payments.
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For U.S. personalized shopping, PayPal shares some personal information unless you opt out; transaction sharing continues as needed.
The terms reserve the right to suspend or end your account, services, or access for any reason, at any time, upon notice.
PayPal says it covers the full amount when its unauthorized-activity protection applies, but late reporting can affect recovery.
PayPal says it may use personal information to train AI models that power its services.
If you share or sync contacts, PayPal may use their information to help you find people and improve payment accuracy.
This applies if you choose to sync or otherwise provide contact information.
You can choose not to share your contacts; PayPal says you can still use its mobile apps.
PayPal says it keeps information used for your ongoing relationship during it and for 10 years afterward, and may keep it longer.
The 10-year period is for personal information used for the ongoing relationship; some information may be kept longer.
PayPal may use automated profiling for risk, fraud, or creditworthiness and may refuse, stop, or restrict services based on its assessment.
This applies if PayPal makes an automated assessment and determines that you pose a credit, fraud, money-laundering, or other risk.
Some questions remain open in the saved text. Any supported findings appear below.
For U.S. personalized shopping, PayPal shares some personal information unless you opt out; transaction sharing continues as needed.
The described sharing covers information collected after November 27, 2024, or earlier information if you consent. The statement provides an opt-out; transaction-related disclosures continue as needed.
Opt out in your PayPal account's Data and Privacy settings.
PayPal's financial privacy notice says it shares personal information with nonaffiliates for their marketing, and says you can limit this sharing.
The notice applies to personal PayPal accounts and describes sharing subject to applicable limits; it says new-customer sharing can begin 30 days after the notice is sent.
Use Data and Privacy settings or call PayPal to limit sharing where permitted.
PayPal does not claim ownership, but the terms give it an irrevocable, transferable, worldwide license to use content you provide without paying you.
This applies if you provide or post content to PayPal; it does not describe a license to content hosted elsewhere merely because you use PayPal to pay for it.
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The terms reserve the right to suspend or end your account, services, or access for any reason, at any time, upon notice.
For suspected restricted activity, PayPal may limit or close an account; it may hold funds up to 180 days when reasonably needed for liability or an Acceptable Use Policy violation.
The actions depend on PayPal believing you engaged in restricted activity; the stated hold period can be extended for legal processes.
The terms require arbitration for most disputes; individual small-claims cases remain, and class-action and jury waivers continue if you opt out.
The terms make an exception for eligible individual small-claims cases and provide a 30-day arbitration opt-out; the class-action and jury-trial waivers still apply if you opt out.
To opt out of arbitration, mail the signed notice using the terms' procedure within 30 days after first accepting the agreement.
PayPal says it covers the full amount when its unauthorized-activity protection applies, but late reporting can affect recovery.
Coverage applies when the activity meets the agreement's definition of an unauthorized transaction and you cooperate and follow its procedures.
Review account activity and report suspected unauthorized transfers at once; the terms give a 60-day reporting limit that can affect recovery of later losses.
Some questions remain open in the saved text. Any supported findings appear below.
Funds in a PayPal balance may be an unsecured claim against PayPal, not an FDIC-insured bank deposit.
This matters if you hold a Balance Account balance or funds awaiting transfer. The stated program-bank treatment applies only in specified circumstances and is subject to conditions.
Canceling a seller's PayPal payment authorization stops future automatic payments, but you may still owe for authorized purchases or services received.
This applies if you set up an automatic payment agreement with a seller.
The terms say you may cancel the authorization at least three business days before the next payment through account settings, the Help Center, or the listed phone number.
Once the recipient receives your payment, you may not be able to cancel it for a full refund; PayPal says most payments arrive within seconds.
This applies after the designated recipient has received the payment.
If a PayPal purchase exceeds your linked bank account's balance, you could incur an overdraft fee even if you opted out of bank overdrafts.
This applies when you use PayPal to make a purchase that exceeds the balance in your linked bank account.
Originally analyzed . The original date marks this service’s first saved analysis, including earlier report formats. This report was generated .
This report was generated from saved policy text and checked in a second automated review. Automated interpretation can still miss or misread terms. The source documents were retrieved on Oct 20, 2026. Policies may have changed since retrieval.
These supporting documents didn’t fit within this report’s reading limit. Their contents are not included in the findings.