What PayPal's terms of service and privacy policy take from you today, and every material change. Read as served in: European Union. 2 material changes published.
Watched since 08 NOV 2025 · 59 archived versions read · Terms of Service, Privacy Policy
PayPal collects broad personal and biometric data, uses it to train AI, profiles you with automated decisions, and shares it widely with partners, merchants and authorities, while it can close your account or hold your money with limited recourse.
PayPal collects a very wide range of personal, financial, biometric and inferred data, shares it with many third parties, and keeps it for 10 years after you leave.
Even after you close your account, PayPal keeps your personal information for a decade or longer. Deletion requests are limited by this retention.
“Personal Information used for the ongoing relationship between you and PayPal is stored for the duration of the relationship plus a period of 10 years or such period as mandated by any applicable local law”Exhibit · Privacy Policy✓ matched in source
Inferred preferences about you are passed to merchants for personalized shopping. In the US this is on by default and you must opt out.
“Unless we are required by law to obtain your consent, we disclose Personal Information collected from you after November 27, 2024 (or from earlier if you consent) for personalized shopping experiences in the United States.”Exhibit · Privacy Policy✓ matched in source
PayPal infers things like income, creditworthiness and shopping habits and also collects biometrics and protected characteristics such as disability and nationality.
“Inferred data: Such as gender, income, browsing and purchasing habits, creditworthiness, fraud and risk assessment, your preferences and shopping behavior, which we may infer based on your transactions and interactions with our Services”Exhibit · Privacy Policy✓ matched in source
PayPal may use your personal information to train its AI models, with no opt-out stated, and its agentic AI tools get access to your payment data.
Your personal information can be used to train AI models, and the document gives no specific way to opt out of this.
“We may use Personal Information to train our artificial intelligence (AI) models that power our Services and help us deliver more secure, efficient, and personalized services.”Exhibit · Privacy Policy✓ matched in source
AI tools that can act on your behalf get access to your queries, purchase history and payment information, and PayPal says you must not rely on them for financial decisions.
“When you use these tools, they will have access to your Personal Information, including queries, preferences, interests, purchase history, and payment information.”Exhibit · Privacy Policy✓ matched in source
The terms make you indemnify PayPal for third parties you authorize and require you to accept a long list of obligations, but they do not contain arbitration or class-action waivers.
If you let a third party act on your account, you are liable for their actions and must cover PayPal's losses, though mandatory legal rights remain.
“You will not hold us responsible for, and you will indemnify us from, any liability arising from the actions or inactions of such third parties in connection with the permissions you granted, subject to your mandatory legal rights.”Exhibit · Terms of Service✓ matched in source
If a merchant offers its own exchange rate and you accept it, you cannot hold PayPal responsible for that conversion.
“PayPal has no liability to you for that currency conversion.”Exhibit · Terms of Service✓ matched in source
PayPal can change the terms with 2 months' notice, close your account for convenience, and hold or limit your funds.
PayPal can close your account without any cause, with 2 months' notice, and can close it immediately for reasons such as 3 years of inactivity.
“We may close your account at our convenience by providing you with 2 months’ (but no less than 60 days') prior notice.”Exhibit · Terms of Service✓ matched in source
Automated profiling can lead PayPal to refuse you, stop services you use or limit your account, based on its prediction of risk.
“If we determine that you pose a credit, fraud, money laundering or other risk, we may refuse to provide new services to you, stop providing services you currently use, or place limits or restrictions on the services you use.”Exhibit · Privacy Policy✓ matched in source
PayPal can charge your linked funding sources continuously, set off debts against your funds in other currencies or accounts, and pays no interest or deposit protection on your balance.
Linking a card or bank gives PayPal ongoing permission to charge it, and it may retry failed charges.
“By linking a funding source to your PayPal account, you give us continuous permission to automatically charge that funding source”Exhibit · Terms of Service✓ matched in source
If you owe PayPal in one currency, it may take the money from other balances, incoming payments, withdrawals or even a different account.
“we may set off the amount you owe us by using funds you maintain in a different currency balance or by deducting amounts you owe us from money you receive into your account, or money you attempt to withdraw or send from your account, or in a different account”Exhibit · Terms of Service✓ matched in source
Money in your account earns nothing and is not covered by deposit guarantee schemes if PayPal fails.
“electronic money is not a deposit or an investment under Luxembourg law, so the Luxembourg deposit guarantee or investor indemnity schemes administered by the _Conseil des Protection des Deposants et des Investisseurs_ or any equivalent scheme in the EEA cannot protect you.”Exhibit · Terms of Service✓ matched in source
PayPal may disclose your data to law enforcement and authorities, including where not legally compelled, and EEA users are deemed to consent to broad disclosure.
PayPal may report you to tax and police authorities on its own good-faith belief, without a legal requirement.
“We also carry out sanction screening, report to tax authorities, police and other enforcement authorities, supervisory authorities where we are not compelled by applicable laws but where we have a good faith belief that sharing the information is necessary to comply with applicable law.”Exhibit · Privacy Policy✓ matched in source
By keeping an account you agree to disclosure to police, authorities and many other third parties, and you are deemed to accept list changes unless you object within 30 days.
“By accepting this Privacy Statement and maintaining an account with PayPal, you expressly agree to the transfer of your Personal Information to those third parties for the purposes listed.”Exhibit · Privacy Policy✓ matched in source
Your account information can go to intellectual property owners and to parties investigating suspected violations of the user agreement.
“Disclose Account Information to intellectual property right owners if under the applicable national law of an EU member state they have a claim against PayPal for an out-of-court information disclosure”Exhibit · Privacy Policy✓ matched in source
Machine-checked: every point was re-checked against the documents by a second, independent model pass; not yet read by a person
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