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news:heb1g8$bnp$1@trimpas.omnitel.net...
>
> 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.
>
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