Upcoming Policy Updates


This page informs users in advance of important changes to the PayPal 
service, its User Agreement, or other policies. This page displays policy 
updates with future effective dates. Go to "Past Policy Updates" for 
previous policy updates.
Amendments to the PayPal User Agreement and Privacy Policy
Effective Date: Jan 21, 2010
  a.. Amendment to the PayPal User Agreement
1. Fees

Section 8 is being amended to update the fees for cross border personal 
transactions.

Where the country of the recipient's registered PayPal Account is Poland, 
the fee charged for cross border personal payments fully funded by PayPal 
Balance or Bank is 1% + 0.55 PLN (Polish Zlotych). The relevant part of the 
fee table for cross border personal payments fully funded by PayPal Balance 
or Bank now reads as follows:

      Transaction Type  Activity  Fee for payment fully funded by:
      - PayPal Balance
      - Bank
      Cross border personal transactions  Sending or Receiving  Important: 
this fee is based on the country of the recipient's registered PayPal 
Account.

      Either the sender or the recipient pays the fee. Not both.

      In most cases, the sender decides who pays the fee. In some cases the 
sender will not be able to decide and the sender or the recipient will be 
required to pay the fee.

      Recipient's Country:

      UK: 0.5%

      Poland 1% + 0.55 PLN

      *Other European Countries: 0.5%

      Australia 1%

      Canada 1%

      China 0%

      Germany 2%

      Hong Kong 0%

      Singapore 0%

      Taiwan 0%

      U.S. 1%

      Elsewhere 0.5%

      Note: This fee will not be charged if a Euro payment is made between 
Accounts registered in the European Union or EEA.


2. Temporary Holds for Disputed Transactions

A new Section 10.1.d is being added to consolidate and clarify the position 
on temporary holds for disputed transactions as already described in Section 
11.4 (and in relation to the eBay resolution process). Section 10.1.d will 
read as follows:

"10.1.d Temporary Holds for Disputed Transactions. If a buyer files a Claim, 
Chargeback or Reversal on a payment you received, PayPal will place a 
temporary hold on the funds in your Account to cover the full amount of the 
Claim, Chargeback or Reversal. In placing such a hold, we will not restrict 
your use of the Account with regard to funds other than those disputed or at 
risk under the Claim, Chargeback or Reversal, unless we have another reason 
for doing so. If you win the dispute or if the payment is eligible for a 
payment under the terms of PayPal Seller Protection, we will release the 
hold and restore your access to the applicable funds. If you lose the 
dispute, PayPal will remove the funds from your Account. This process also 
applies to claims that a buyer files with eBay through the eBay resolution 
process if your PayPal Account is your reimbursement method for buyer claims 
and eBay has notified us of the claim. Claims filed directly with eBay are 
governed by eBay policy and are not covered by the terms of the PayPal 
Seller Protection programme."

Section 11.4 will now read as follows:

"11.4 What happens when a buyer files a Claim, Chargeback, or Reversal?

PayPal will place a temporary hold on the funds in your Account to cover the 
full amount of the Claim, Chargeback, or Reversal. See section 10.1.d for 
further details about the temporary hold process."


3. Third party rights

Section 14.8 is being updated to clarify that eBay, as a third party, may 
rely on its rights as specified in the PayPal User Agreement. Section 14.8 
will now read as follows:

"14.8 Complete Agreement and third party rights. This Agreement sets forth 
the entire understanding between you and PayPal with respect to the Service. 
Sections 1, 7, 8, 10, 14 and 15, as well as any other terms which by their 
nature should survive, will survive the termination of this Agreement. If 
any provision of this Agreement is held to be invalid or unenforceable, such 
provision shall be struck out and the remaining provisions shall be 
enforced. A person who is not a party to this Agreement has no rights under 
the Contracts (Rights of Third Parties) Act 1999 to rely upon or enforce any 
term of this Agreement (except for eBay in respect of its rights as 
specified in this Agreement) but this does not affect any right or remedy of 
third parties which exists or is available apart from that Act."

  a.. Amendment to the PayPal Privacy Policy
1. Disclosure to Third Parties other than PayPal Customers

The Privacy Policy is being amended such that PayPal may disclose certain 
PayPal customer information to the following additional third parties (if 
applicable) for the following purposes:


Payment Processors

      HSBC Merchant Services LLP (UK), Discover Financial Services (USA) To 
allow payment processing settlement services, fraud checking. Name, address, 
details of user funding instruments, details of payment transactions.
      Deutsche Bank AG (Germany, Netherlands, France, Spain) To allow the 
processing of direct debits in Germany, Netherlands, France and Spain. Name, 
date of transaction, amount, currency and user's bank account information.
Credit Reference and Fraud Agencies Experian Netherlands BV (Netherlands), 
Experian Bureau de Credito SA (Spain), Informa D&B SA (Spain) To verify 
identity, make decisions concerning a customer's credit worthiness, carry 
out checks for the prevention and detection of crime including fraud and/or 
money laundering, assist in debt recovery, manage PayPal accounts and 
undertake statistical analysis, undertake research as to appropriateness of 
new products and services and system checking. Data disclosed may be 
retained by the applicable credit reference and fraud agency for audit and 
fraud prevention purposes. Name, address, date of birth, time at address, 
telephone number, proof of identity, legal form, time in business, company 
registration number, VAT number, relevant transaction information (if 
appropriate)
      ID Checker.nl BV (Netherlands) To verify identity. All account 
information and proof of identity
Operational Services KSP Kanzlei Dr. Seegers, Dr. Frankenheim & Partner 
Lawyers (Austria), Transcom Worldwide S.A. (UK), Clarity Credit Management 
Solutions Limited (UK), Infoscore Iberia (Spain). To collect debt Name, 
address, telephone number, account number, e-mail, account type, account 
status, last four digits of financial instruments account, account balance, 
details of account transactions and liabilities, name of funding source 
provider.




--------------------------------------------------------------------------------