User Agreement for PayPal™ Service
This Agreement applies to your use of PayPal's™ payment service
and any related products and services (collectively the
"Service"). This Agreement affects your rights and you should read
it carefully.

In this Agreement, "you" or "your" means any person or entity
using the Service ("Users"). Unless otherwise stated, "PayPal"
will refer collectively to PayPal, PayPal Corporation and their
respective parent or subsidiary companies, affiliates, officers,
employees and agents.

By checking the consent box on the account signup page, you
represent that you understand and accept the terms and conditions
of this Agreement. We may amend this Agreement at any time by
posting the amended terms to our site, and your continued use of
the Service will constitute acceptance of the amended terms. This
Agreement was last modified on June 14, 2001.

I. User Responsibilities


Eligibility. In order to use the Service, you must register for a
Personal, Premier, or Business account. If you use the Service for
the purpose of conducting e-commerce on a regular basis, you agree
to register for, or upgrade to, a Premier or Business Account. You
agree that you will register for and maintain no more than one
Personal and one Premier or Business Account. PayPal reserves the
right to terminate duplicate accounts. You must be at least 16
years of age to register for an account. If you are under the age
of 18, you hereby represent that you are using the service with
the consent of your parent or guardian.

No Multiple Accounts. Should you register for more than one
Personal Account, PayPal reserves the right to terminate all of
your accounts and will restrict you from the system going forward.
Users may register and hold one Personal Account and either one
Premier or one Business Account.

Registration Information. You agree to provide true, accurate and
complete registration information and to maintain and promptly
update your information as applicable. You agree not to
impersonate any person or use a name that you are not authorized
to use. If any information you provide is untrue, inaccurate, not
current, or incomplete, without limiting other remedies, PayPal
has the right to terminate your use of the Service and PayPal, its
agents, suppliers, and subcontractors have the right to recover
from you any costs or losses incurred as a direct or indirect
result of the inaccurate or incomplete information. You authorize
PayPal and its agents, suppliers and subcontractors to make any
inquiries they consider necessary to validate your registration.

International Use. To be eligible for an account, you must be a
resident of the United States or one of the approved countries
listed below:


Costa Rica
Dominican Republic
Hong Kong
New Zealand
South Africa
South Korea
United Kingdom


(U.S. Users) Once a User has confirmed an email address and
registered a bank account or credit card, a User may elect to
withdraw all or part of the balance of his or her account by
direct deposit into the User's bank account or by physical check.
PayPal limits the number of mailed checks per account to one per
day. To cover the cost of processing checks, PayPal charges $1.50
per check withdrawal. Check withdrawals are not sent to P.O. Box
addresses. In addition to our policy of not sending check
withdrawals to P.O. Box addresses, check withdrawals are only sent
to users’ credit card billing address, unless the user is
Verified, in which case the user may choose any street address. If
a user would like a check withdrawal to an address not accepted as
approved on the website, the user may email customer service at and produce appropriate documentation
before a check will be sent to the requested address.
International Users: International accounts may only accept
payments after they have added a credit card.

All International members who register their U.S. bank acount with
PayPal may withdraw funds from their PayPal balance to their bank
account. International users in Australia, Canada, France,
Germany, new Zealand, the Netherlands and the United Kingdom may
register their local bank accounts with PayPal and may then
withdraw funds from their PayPal accounts into their local bank
accounts. International customers outside of those countries who
do not have a US bank account will not be able to withdraw funds
from the PayPal system, and therefore should accept payments only
if they expect to spend those funds using PayPal. In order to
accept payments, international customers outside those countries
must set their preferences by logging into their account.


Sending Limits.

U.S. Users: Unverified users are limited to $1000 of spending
until they confirm an email address and checking account.
Unverified users of Web Accept or Instant Purchase are limited to
$1000 of spending until they confirm an email address and checking
account. There are no limits on how much Verified users can spend.
This limit is subject to change.
International Users: International users will not be able to send
money until they have confirmed a debit or credit card with their
PayPal account. To become confirmed, an international user must
confirm an email address and credit card. After becoming
confirmed, International members may use their credit card to send
money, depending on credit availability. These limits are subject
to change.


Credit Card Receiving Limit. Personal Accounts are limited to
receiving $100 per month of credit card payments. Payments funded
from the sender's checking account or existing PayPal account
balance will not count against the recipient's limit. Payments
funded wholly or partially by a credit card are classified as
credit card payments in the PayPal system.

Receipt of Payments; Risk of Reversal of Transactions; Collection
of Funds you owe PayPal. When you receive a payment through the
Service, unless you follow the steps necessary to qualify for our
Seller Protection Policy described in Part IV of this User
Agreement, you are not protected against a subsequent reversal of
the transaction. In the event that the sender’s transaction is
reversed for any reason and you do not qualify for the Seller
Protection Policy for that transaction, you will owe PayPal for
the amount of the reversed transaction plus any fees imposed on
PayPal as a result of the reversal. Examples of such a reversal
include, but are not limited to, a credit card charge-back by the
sender of the payment, and a reversal of the transaction because
the sender of the payment was using a stolen credit card or
unauthorized checking account. PayPal will seek to recover the
funds from you by debiting your PayPal balance and, if there are
not sufficient funds in your PayPal balance, PayPal reserves the
right to collect your debt to PayPal by any other legal means. You
authorize PayPal to charge your credit card or debit card in the
amount of any debt to PayPal. You authorize PayPal to obtain a
credit report on you in the event that you incur a debt to PayPal.

Confirmation of Credit and Debit Cards. PayPal requires all
international users and some domestic users to complete an
additional confirmation process before their credit and debit
cards are available for use in their PayPal account. This process
consists of a $1.00 charge to the User's card that is associated
with a randomly generated, unique 4 digit PayPal Confirmation
Number. PayPal provides a page in the User's account for the User
to enter this number when it is received via the User's physical
monthly card statement or via online access to the statement.
PayPal strongly discourages users from calling their credit card
companies in order to obtain PayPal Confirmation Numbers before
receiving their monthly statement in the mail or online. If PayPal
receives a complaint from Visa, MasterCard, or a card issuer
regarding a User's calling their credit card company to obtain
PayPal Confirmation Numbers, that User's PayPal account will be
permanently closed.

Electronic Transfers. When you make a payment funded by Instant
Transfer or eCheck, you are requesting an electronic transfer from
your checking account. Upon your request, PayPal will make
electronic transfers via the Automated Clearing House (ACH) system
to and from your U.S. checking account in the amount you specify .
You agree that such requests constitute authorization for such
transfers. If you request an electronic transfer from your
checking account, you also authorize PayPal to confirm your
control of your checking account by making two small deposits to
your checking account at PayPal's own expense. Your checking
account and your PayPal account will be considered verified once
you correctly enter the deposit amounts on the PayPal website.
Support for international checking accounts is coming soon.
PayPal will never make electronic transfers from your checking
account without your explicit permission. Furthermore, PayPal
provides you protection against unauthorized withdrawals from your
checking account under the terms of Article III below.

You may be charged a service fee for any ACH transactions that
result in a returned ACH, such as but not limited to those caused
by insufficient funds, closure of you bank account, or if the bank
account number or other information you provided is incorrect.
Currently, International users are charged $20USD per returned


No Cash Advances. You agree not to engage in behavior that could
reasonably be construed as providing yourself a cash advance from
your credit card, and agree not to assist users who engage in
behavior that could reasonably be construed as providing
themselves a cash advance from their credit cards. Such behavior
includes, but is not limited to, a User paying someone by charging
a credit card, then receiving the funds back from the original
Recipient and attempting to withdraw the funds from an account.
PayPal reserves the right to reverse all such transactions and to
terminate any accounts that are associated with such behavior.

Correct E-mail. You agree that you have access to the Internet and
to a current e-mail address. You have sole responsibility for
providing PayPal with a correct and operational e-mail address.
PayPal will not be liable for any undelivered e-mail
communications or any costs you incur for maintaining Internet
access and an e-mail account. You must promptly notify PayPal of
any change in your e-mail or postal mailing address.

No Surcharges. Under Visa and MasterCard regulations and the laws
of several states, including California, merchants may not charge
a fee to the buyer for accepting credit card payments (often
called a "surcharge"). You agree that you will not impose a
surcharge or any other fee for accepting PayPal as payment. This
restriction does not prevent you from imposing a handling fee in
connection with the sale of goods or services, as long as the
handling fee does not operate as a surcharge (in other words, the
handling fee for transactions paid through PayPal may not be
higher than the handling fee for transactions paid through other
payment methods).

Electronic Communications. To the fullest extent permitted by
applicable law, this Agreement and any other agreements, notices
or other communications regarding your account and/or your use of
the Service ("Communications"), may be provided to you
electronically and you agree to receive Communications in an
electronic form. Electronic Communications may be posted on the
pages within the PayPal website and/or delivered to your e-mail
address. You will print a copy of any Communications and retain it
for your records. All Communications in either electronic or paper
format will be considered to be in "writing," and to have been
received no later than five (5) business days after posting or
dissemination, whether or not you have received or retrieved the
Communication. PayPal reserves the right but assumes no obligation
to provide Communications in paper format. Your consent to receive
Communications electronically is valid until you revoke your
consent by notifying PayPal of your decision to do so, by sending
an email message to or by telephoning customer
service. If you revoke your consent to receive Communications
electronically, PayPal may terminate your right to use the

No Spam. You agree not to use unsolicited email, usenet, message
board postings, or similar methods of mass messaging (spam) to
gather referral bonuses. The use of spam to promote the Service
has strict negative consequences. We will immediately and
permanently terminate the account of any User who has used
unsolicited email to gain referrals. In addition, you may be
subject to state and federal penalties and other legal
consequences under applicable law if you send unsolicited email.
Our Anti-Spam Policy is intended to protect our users, the
Internet, and us.

Privacy. View our Privacy Policy. You agree that you have had an
opportunity to review, download or print our Privacy Policy. You
consent to have your name, email address, date of sign-up, and
whether you have verified (or not verified) an account at another
financial institution made available as identification to anyone
whom you have paid or who is attempting to pay you through the
PayPal service.

Handheld Devices. In the event of the loss or malfunction of your
handheld device, payments made since your last connection to the
PayPal server may be lost, and PayPal Corp. disclaims all
liability for such loss.

Not a Bank. You acknowledge that (i) the Service is not a banking
service (ii) Service accounts are not insured by any government
agency of any nation, (iii) the Service is not subject to banking
regulations and (iv) PayPal will invest in liquid assets and that
interest earned on those assets will be the property of PayPal.

Escheat. If you do not access your account for a period of five
years, it will be terminated. After the date of termination, you
will have 90 days to redeem your account balance, after which it
will be subject to applicable state laws regarding escheat of
unclaimed property.

Passwords. You may not divulge your account password(s) to anyone
else, nor may you use anyone else's password. PayPal is not
responsible for losses incurred by Users as the result of their
misuse of passwords.

Close Account. You may close your account at any time, provided
all applicable fees for services and account management have been
paid in full. Upon closure of an account, any monies remaining in
the account, less any applicable fees, will be immediately and
automatically paid in full. You will remain liable for all
obligations related to the account even after such account is

Hacking. If you use, or attempt to use the Service for other
purposes including but not limited to tampering, hacking,
modifying or otherwise corrupting the security or functionality of
Service, your account will be terminated and you will be subject
to damages and other penalties, including criminal prosecution
where available.

Assignability. You may not transfer any rights or obligations you
may have under this Agreement without the prior written consent of
PayPal. PayPal reserves the right to transfer any right or
obligation under this Agreement without your consent.

Indemnification. You agree to indemnify and hold PayPal, its
affiliates, officers, directors and employees harmless from any
claim, action, demand, loss, or damages (including attorneys'
fees) made or incurred by any third party arising out of or
relating to your use of the Service.

Choice of Law. This Agreement is governed by the laws of the state
of California, U.S.A as such laws are applied to agreements
entered into and to be performed entirely within California by
California residents.

Arbitration. Any controversy or claim arising out of or relating
to this Agreement or the provision of Services shall be settled by
binding arbitration in accordance with the commercial arbitration
rules of the American Arbitration Association. Any such
controversy or claim shall be arbitrated on an individual basis,
and shall not be consolidated in any arbitration with any claim or
controversy of any other party. The arbitration shall be conducted

in Palo Alto, California, and judgment on the arbitration award
may be entered in any court having jurisdiction thereof. Either
you or PayPal may seek any interim or preliminary relief from a
court of competent jurisdiction in Palo Alto, California necessary
to protect the rights or property of you or PayPal Corp. (or its
agents, suppliers, and subcontractors) pending the completion of

II. Rights and Disclaimers of PayPal


Processing. PayPal shall make reasonable efforts to ensure that
requests for electronic debits and credits involving checking
accounts, credit or debit cards, and check issuances are processed
in a timely manner. However, a number of factors, several of which
are outside of our control, will contribute to when the funds are
received. We make no representations or warranties regarding the
amount of time needed to complete processing, such as delays in
the banking system or the U.S. or international mail service, nor
shall we be liable for any actual or consequential damages arising
from any claim of delay.

Miscellaneous Disclaimers.

(a) PayPal reserves the right to hold funds beyond the normal
distribution periods for transactions it deems suspicious to
ensure integrity of the funds.

(b) PayPal shall not be responsible for payments made to
unintended Recipients due to the input of incorrect information by
Senders or for payments made in incorrect amounts. PayPal shall
not be responsible for the verification of the identity of Users.

(c) PayPal shall not be responsible for any information lost due
to malfunction or loss of a handheld device.

(d) PayPal shall not be obligated to pay a User for any Payments
for which PayPal has not been fully paid by the Sender's credit
card issuer.

(e) PayPal will not have any liability in connection with any
unauthorized interception or use of data relating to you or the
PayPal service; any inability to use or access the service or the
PayPal website for any reason; any actions or transactions by an
individual that uses your user name and password; or any cause
over which PayPal Corp. does not have direct control, including
problems attributable to computer hardware or software (including
computer viruses), telephone or other communications, or Internet
service providers.

(f) In no event shall PayPal be liable (A) for damages caused
other than by intentional misconduct or (B) for any indirect,
special, incidental, consequential or punitive damages whatsoever
(including, but not limited to, damages for lost profits,
disclosure of confidential information, or loss of privacy),
arising out of or in any way related to the use of or inability to
use business service or the PayPal website or any of the
associated services, even if PayPal Corp. has been advised of the
possibility of such damages. In no event shall PayPal Corp. be
liable for any act or omission of any third party (such as, for
example, any provider of telecommunications services, internet
access or computer equipment or software) or any circumstances
beyond our control (such as, for example, a fire, flood, or other
natural disaster, war, riot, strike, act of civil or military
authority, equipment failure, computer virus, or failure or
interruption of electrical, telecommunications or other utility

(g) PayPal reserves the right to require users operating with high
chargeback rates or otherwise presenting a relatively high risk of
losses to choose between closure of their PayPal account or
entering into an additional agreement addressing such risks, which
may include higher fees.

Restrictions. PayPal, at its sole discretion, reserves the right
to restrict an account for any one of the events listed below.

Reports of unauthorized or unusual credit card use associated with
the account including, but not limited to, notice by the card
issuing bank
Reports of unauthorized or unusual checking account use associated
with the account
Complaints received regarding non-shipment of merchandise,
merchandise not as described, or problems with merchandise shipped
Initiation of a chargeback process through your issuing bank
Receipt of potentially fraudulent funds
Unconfirmed identity
Initiation of transactions considered to be cash advances or
assisting in cash advances
Sending unsolicited, commercial email or posting referral links on
websites where they are not permitted
Opening multiple Personal accounts
The account has been used in or to facilitate fraudulent activity
Inability of United States Postal Service to deliver the street
address confirmation letter to the address associated with the
Reports of someone other than the intended recipient receiving the
Street Address Confirmation letter in the mail
Name on the checking account associated with the PayPal account
does not match the name on the PayPal account
Insufficient funds in the PayPal account to cover the return of an
Electronic Funds Transfer for insufficient funds in the checking
account, incorrect bank routing number, or incorrect checking
account number
Insufficient funds in the PayPal account to cover the return of a
check sent in for deposit.
Use of an anonymizing proxy.


Termination. PayPal, in its sole discretion, reserves the right to
terminate this Agreement, access to its website, or access to
Service without notice for any reason and at any time.

Trademarks., PAYPAL and all related logos, products and
services described in this website are either trademarks or
registered trademarks of PayPal Corporation, or their licensors,
and (aside from "Use of Logos" below) may not be copied, imitated
or used, in whole or in part, without the prior written permission
of PayPal. In addition, all page headers, custom graphics, button
icons, and scripts are service marks, trademarks, and/or trade
dress of PayPal and may not be copied, imitated, or used, in whole
or in part, without the prior written permission of PayPal.
Use of Logos. Notwithstanding the above, HTML logos provided by
PayPal through its Affiliate Program, Web Accept feature, or
Auctions Tools features ("Logos"), may be used without prior
written consent for the purpose of directing web traffic to the
Service. These Logos may not be altered, modified, or changed in
any way, or used in a manner that is disparaging to PayPal or the
PayPal service. Logos may not be displayed in any manner that
implies sponsorship or endorsement by PayPal. PayPal is a payment
service, and no agency, partnership, joint venture, employee-
employer or franchiser-franchisee relationship is intended or
created by this Agreement.


III. Customer Liability and Error Resolution

It is very important that you contact us at once if you believe
your user ID or password has been compromised, or if someone has
transferred or may transfer money from your account without your
permission. Under applicable banking regulations, the extent of
your liability for an unauthorized transaction is largely
determined by your promptness in notifying us or your bank if
someone has gained access to your password, or if a transfer or
withdrawal in your monthly statement is incorrect or unauthorized.
Notifying us quickly limits your liability:
a) If you notify us within two business days after you learn that
your password or other means to access your account may have
become known by an unauthorized person, you can lose no more than
$50.00 if an unauthorized person uses your password or other means
to access your account without your permission to initiate a
transaction. If you do not notify us within two business days, and
we can prove that we could have stopped someone from using your
password or other means to access your account without your
permission if you had told us, you could be liable for as much as

b) We will periodically email you a notice to inspect your
transaction history online. If your transaction history shows
electronic funds transfers that you did not make or authorize,
notify us at once. If you do not notify us within 60 days after
receiving notice, you may not recover any money you lose after the
60 days if we can prove that we could have stopped someone from
taking the money if you had notified us in time. If a good reason
(such as a long trip or hospital stay) kept you from notifying us,
we may extend the time periods.

c) In case of unauthorized transactions, payment problems, errors
or questions about your account, you should notify PayPal through
application messaging or e-mail. You must: 1) Tell us your name
and primary email address; 2) Describe the error or the
transaction you are unsure about, and explain as clearly as you
can why you believe it is an error or why you need more
information; and, 3) Tell us the dollar amount of the suspected
error. If you tell us by telephone, we may require that you send
your complaint in writing within ten (10) business days. We will
tell you the results of our investigation within ten (10) business
days after we hear from you, and will correct any error promptly.
If we need more time, however, we may take up to forty-five (45)
calendar days to investigate the complaint or question. If we
decide to do this, we will provisionally credit your transaction
account within ten (10) business days for the amount you think is
in error, so that you may have the use of the money during the
time it takes us to complete our investigation. If we ask you to
put your complaint or question in writing and we do not receive it
within ten (10) business days, we may not provisionally credit
your transaction account. If we determine there was no error, we
will mail you a written explanation within three (3) business days
after we finish the investigation. You may ask for copies of
documents which we used in our investigation. We may revoke any
provisional credit provided to you if we find that an error did
not occur.


IV. Consumer Protection Programs


In general. PayPal's consumer protection programs, consisting of a
Buyer Complaint Policy and a Seller Protection Policy as defined
below, are designed to help buyers recover from sellers who do not
ship the promised goods, and to reduce the risk of chargebacks for
sellers who follow specified risk-reduction procedures. The Seller
Protection Policy is also designed in part to reduce fraud by
encouraging users of the PayPal service to become Verified. A
Verified User is a registered user of the Service who has
completed a confirmation process indicating that they truly do
control the bank account that is linked to their PayPal account
and maintain that link. Verification, in conjunction with our
other proprietary authentication methods, lowers our company's
financial risk and allows us to provide the consumer protection
policies listed below.

Buyer Complaint Policy
i. General. If you pay a seller who does not ship the promised
goods, you should first contact the seller and attempt to resolve
the dispute. If you are unable to resolve the dispute in this
manner, you should then file a Buyer Complaint Form with PayPal as
soon as possible. The Buyer Complaint Form may be found by going
to the "Security Center" link in the footer of any PayPal page.

PayPal will investigate your claim, contact the seller and, if the
seller does not present appropriate proof of shipment, a full
refund or other evidence of a satisfactory resolution, PayPal will
seek to collect the amount you paid from the seller. PayPal may
also restrict the seller's PayPal account. You and other buyers
who file claims against the same seller will be entitled to the
return of any and all funds PayPal is able to collect from the
seller, on a first-come, first-served basis for funds received by
PayPal prior to the restriction of the seller's account. Recovery
of your claim is not guaranteed.

Complaints must be filed no later than 30 days from the date of
payment. PayPal will seek to resolve the complaint within 30 days
from the date the complaint is filed, though such time frame may
be extended, if appropriate, to accommodate the investigation.

ii. Additional Protection for eBay Auctions. For purchases made on
eBay using PayPal, PayPal offers domestic users an additional
layer of protection if you pay a Verified seller but do not
receive your goods. Note that this additional protection is not
available for international users. If PayPal is unable to recover
funds on an approved dispute through our investigation, you may
file a claim under eBay's Insurance Claims process (an "eBay
Claim"). If your eBay Claim is granted but does not cover the full
amount of your loss, PayPal will reimburse you for up to $200 of
such additional losses, whether or not PayPal is able to recover
such funds from the seller.

In order to receive this additional protection, you must file a
Buyer Complaint Form with PayPal within 30 days after the eBay
transaction and follow the same process as stated in (i) above.
After the PayPal investigation is completed, if all your funds are
not recovered, you are eligible for this additional protection.
You may file your eBay Claim at any time, but eBay is likely to
require you to obtain a determination from PayPal before they will
process your claim. If and when your eBay claim is granted, you
must contact PayPal customer service within 30 days after the
grant date. You will have to provide a copy of the eBay Claim that
you filed and satisfactory evidence that your eBay Claim was
granted, so you should retain a copy of these documents. PayPal
may also require additional documentation for proof of your
identity. PayPal will reimburse you for your additional losses not
covered by the eBay claim, up to $200, within 30 days from the
date you provide evidence that your eBay Claim was granted, though
such time frame may be extended if necessary to ensure the
accuracy of the claim.

This Additional Protection does not apply to disputes about the
quality or attributes of delivered goods, goods that have been
lost in the mail as shown by seller's presentation of proof of
shipment, payments for services, payments to Unverified sellers,
or a seller's failure to deliver intangible goods. In order to be
eligible for the eBay Additional Protection, you must have paid
for the undelivered goods with a single payment from a single
PayPal account. The seller's Verification status will be displayed
to you on the PayPal website when you confirm the details of your
transaction, giving you the opportunity to cancel the transaction
prior to sending payment if you do not want to pay an Unverified


Seller Protection Policy. Beginning August 23, 2000, PayPal agrees
to indemnify sellers of physical goods for chargeback liability
resulting from a buyer's unauthorized use of a credit card and/or
false claims of non-shipment of goods, for payments received by
the seller through PayPal of up to $5,000 per year, if the
following conditions are met:
The seller is a Verified Business or Verified Premier Account
The seller ships to the buyer's Confirmed Address.
The seller can provide reasonable proof-of-shipment which can be
tracked online. This documentation must show that you shipped to
the Confirmed Address. (Most U.S. carrier companies offer this
service, including the U.S. Postal Service.) Because comparable
proof-of-shipment is not currently available for electronically-
delivered items, we are currently unable to offer Seller
Protection for digital goods and other electronically-delivered
The seller accepted a single payment from only one PayPal account
for the purchase. (Multiple payments from different accounts for a
single item are a fraud indicator. Sellers should not accept such
The seller ships to a domestic (U.S.) buyer at a U.S. address.
When you receive funds through PayPal, if the sender's transaction
is reversed for any reason and you do not qualify for the Seller
Protection Policy for that transaction, you will owe PayPal for
the amount of the reversed transaction plus any fees imposed on
PayPal as a result of the reversal. You agree to reimburse PayPal
from either your PayPal account or by other means. Although PayPal
will vigorously pursue debt collection of any amounts owed to it,
PayPal will never make electronic transfers from your checking
account without your express permission.

PayPal prompts buyers to provide sellers with a Confirmed Address
when making a purchase. Shipping to this address minimizes the
risk of being paid by a fraudulent buyer. If no Confirmed Address
is given by the buyer, the seller must either refuse the payment
and ask that the buyer show their billing address, or accept the
chargeback risk in shipping the item outside of this Seller
Protection Policy. Tools for Premier and Business Accounts to
refuse to accept payments where the buyer chooses not to share his
Confirmed Address can be found on the Preferences page in the
Profile subtab under the My Account tab.

Credit Card Transactions: The Buyer Protection Policy does not
obviate any other consumer rights Users may have, including
chargeback rights that may be granted by a User's credit card
issuer. PayPal is the merchant of record with respect to all
credit card transactions through the PayPal service to purchase
goods or service. As such, we afford customers the rights and
privileges expected of a credit card transaction. You acknowledge
that PayPal does not control the outcome of any chargeback
decision initiated through a customer's credit card issuing bank.
PayPal encourages all buyer purchase disputes to be filed and
resolved through the PayPal dispute resolution process, and
reserves the right to terminate or restrict account privileges of
buyers who file chargeback complaints without attempting to
resolve the complaints through PayPal. If a chargeback claim is
initiated, whether as a result of a dispute or for any other
reason, the parties agree to provide to any requesting party on a
timely basis any and all necessary documentation to resolve any
chargeback or dispute. PayPal DOES NOT act as the agent of either
party in any transaction or resulting dispute, though PayPal does
control the outcome of disputes initiated through the Service's
dispute resolution process.

If you receive funds through a PayPal transaction funded with the
sender's credit card, in the event the credit card transaction is
charged back and you do not qualify for the Seller Protection
Policy, you agree to hold PayPal harmless for the chargeback
amount and to reimburse PayPal from either your PayPal account or
by other means. Although PayPal will vigorously pursue debt
collection of any amounts owed to it, PayPal will never make
electronic transfers from your checking account without your
explicit permission.

Termination. Excessive disputes or chargebacks by you, multiple
complaints or claims to PayPal by other Users against you, failure
to respond to reasonable requests for information or other abuses
of the Service are, without limitation, grounds for restricting
your account and/or terminating your right to use the Service.

V. Additional Terms of Use for Business and Premier Accounts


The terms below apply specifically to use of Premier and Business
Accounts through the Service and any related products and services
(collectively, the "Premier/Business Service").


Account Information. In addition to the terms listed above, you
further agree that PayPal may access and disclose information
about you or your use of the Premier/Business Service when PayPal
deems necessary or appropriate to comply with the law or legal
process, to protect PayPal's systems and customers, or to ensure
the integrity and operation of PayPal's business and systems.
Unless otherwise prohibited by law, such disclosure may include,
without limitation, user profile information (e.g., name, e-mail
address, etc.), transaction information, IP address and traffic
information, and usage history.

Contact and Refund Information. Each user of the Premier/Business
Service will be required to input its customer service contact
information into the Premier/Business Account application upon
registration. You agree to clearly identify your customer service
contact information, including but not limited to your business
name, address, telephone number, fax number and e-mail address.
You further agree to update such information to keep it true,
accurate, current, and complete.

Taxes. Each user of the Business Service is required to provide
its Taxpayer Identification Number (TIN) upon request. It is your
responsibility to determine what, if any, taxes apply to the
payments you make or receive and to collect, report and remit the
correct tax to the appropriate tax authority. PayPal is not
obligated to determine whether taxes apply, and is not responsible
to collect, report, or remit any taxes arising from any

Security Features. PayPal strongly suggests that you use a web
browser with 128-bit encryption. Regardless of whether you use a
web browser with security features, PayPal is unable to ensure
that data transmitted via the Premier/Business Service is secure
and/or will not be intercepted by third parties.

Account Use. By accepting the terms as outlined in this Agreement
and using your Premier or Business Account, you attest that you
hold all the necessary licenses to engage in the advertising and
sale of the goods and services offered for sale or use through
your Premier or Business Account, and that you do not provide
unlawful or illicit products or services. You will not use the
Business Service, the website or any of the services offered
therein for any unlawful, fraudulent or improper activity. If
PayPal has reason to believe that you may be engaging in or have
engaged in fraudulent, unlawful, or improper activity, including
without limitation any violation of any terms and conditions
relating to the Premier/Business Service, the website or any
related services, your access to the website and any services
contained therein may be suspended or terminated. You will
cooperate fully with PayPal to investigate any suspected unlawful,
fraudulent or improper activity.

Fees. PayPal's current Fee Schedule for using the Premier/Business
Service is posted on the website. Unless otherwise stated, all
fees quoted are in U.S. dollars. Users are responsible for paying
all fees associated with the use of their Premier or Business
Accounts and the Premier/Business Service.

VI. Additional Terms of Use for PayPal Shops

The terms below apply specifically to use of the PayPal Shops
feature, which enables PayPal users to display information about
their website to other PayPal users utilizing the


Accuracy of website registration information. All information you
provide at the time of PayPal Shops registration must be truthful,
including the website's title, description, category, and all
other requested information. If any change occurs in your PayPal
Shops registration information, you must promptly update the
information through the PayPal website. Failure to comply will
result in removal of any mention of your website from the PayPal
website, and may result in permanent ineligibility from
registering a website with PayPal. Provision of deceptive
information may result in the locking or closing of your PayPal
account. You grant PayPal the right to access your site through
manual observation or automated "spidering" in order to monitor
the accuracy of your registration information. PayPal is under no
obligation to monitor the accuracy of your site.

Eligibility. Any Verified premier or business account user with a
registered credit card who has opened a PayPal Money Market
Reserve Fund account and is not banned from the PayPal service is
eligible to register a website in PayPal Shops. This website must
accept PayPal payments. If at any time the owner of a registered
Shop removes information necessary for verification of his or her
PayPal account, that website will cease to be registered with
PayPal and displayed to its users. By registering, you grant
PayPal the right to run a credit check on you or your business at
any time. PayPal reserves the right to remove the listing of any
website from the PayPal Shops directory for any reason and at any

License to Use Your Information. You remain the owner of the
Website registration information that you provide to PayPal, but
by providing such information to PayPal, you are granting PayPal
permission to use the information in connection with the PayPal
Shops service. Specifically, you grant PayPal a non-exclusive,
worldwide, perpetual, royalty-free license to copy, publish and
display your Website registration information on the PayPal
website or in e-mail messages related to your PayPal transactions,
subject to compliance with PayPal's Privacy Policy. This license
will end upon termination of your membership in PayPal Shops,
whether such termination is caused by you or by PayPal.

No Endorsement. PayPal's presentation of website registration
information is not an endorsement of the website or of any goods
or services offered on the website. Any attempt to state or imply
PayPal's endorsement of your goods or services constitutes grounds
for immediate termination of your participation in the website
registration program.

No Illegal Websites or Websites which violate the PayPal Shops
Allowable Goods and Services Guidebook. You may not register a
website that promotes or facilitates illegal actions, including
but not limited to the sale of goods or services that infringe on
the intellectual property of a third party. You also may not
register a website that violates the rules outlined in the PayPal
Shops Allowable Goods and Services Guidebook. Any such
registration constitutes ground for immediate termination of your
participation in the website registration program and immediate
closure of your PayPal account.

No Framing. Because PayPal members are warned never to enter their
PayPal account password into any page whose URL does not begin
with, the use of "framing," where a 3rd
party site displays a portion of the PayPal website inside a
webpage whose URL is not, is prohibited.

Shopping at Websites Registered with PayPal. Website registration
information is provided by the owner of the website, and PayPal is
not responsible for any errors or misrepresentations in such
information. PayPal specifically disclaims all warranties with
respect to website registration information, including but not
limited to the warranty of merchantability and the warranty of
accuracy of informational content. PayPal does not guarantee any
level of security in shopping at third-party websites registered
with PayPal, nor does PayPal guarantee the quality of goods or
services offered on these websites. For more information on
security in Web shopping, please visit our Security Tips page.

Fees. Placement in PayPal Shops is currently free. Fees may be
introduced in the future, but no changes will be made without
first notifying you.

VII. PayPal/MasterCard™ Debit Card Terms of Use

Eligibility. The PayPal/MasterCard ATM/Debit Card (the "Debit
Card" or the "Card") is offered to a limited set of PayPal users,
based on system requirements and capacity. Many of our users will
not be offered a debit card immediately. Users that are offered a
debit card will need to complete the following application
requirements, if they have not already done so:
Have been a PayPal member for at least 60 days
Are residents of the U.S.
Have registered a credit card where the monthly statement is sent
to a physical street address (not a P.O. Box). PayPal will only
mail the Debit Card to this address; periodic statements and
transaction information will be available on the PayPal Web site
and not by mail.
Have linked a bank account to their PayPal account and verified
control of the bank account
Have opened or upgraded to a Premier or Business account
Upon review by our Account Review department are deemed as being
in good standing within the PayPal community

Users who are issued a debit card without requesting a debit card
are under no obligation to activate or use the card.

PayPal intends to make debit cards available to international
accounts in the future. If you are an International account holder
and would like to be notified early of our international debit
card rollout, please email

Obtaining and activating your ATM/Debit Card.
a) PayPal retains the sole discretion to accept or reject any
application for a Debit Card. If your application is accepted, it
will take between 3-4 weeks to process your request and mail the
Debit Card to your address. For security reasons, we will only
send the card to your Primary credit card billing address.
b) Once you receive your card in the mail, you can activate your
card by logging into and following the instructions
at the "Activate Debit Card" link on the Account Overview page,
including selection of a Personal Identification Number (PIN).

Debit Card Transactions.
a) Using your card at an ATM. You may use your Debit Card at any
ATMs which are a part of the MasterCard/Maestro/Cirrus ATM
network. ATM withdrawals are available up to the daily
authorization limits disclosed in Section 5 below, provided the
available balance in your PayPal Account (including your Money
Market Reserve Fund) is greater than or equal to the amount
requested. You may use your Debit Card at such an ATM to perform
the following types of transactions:
Withdraw cash from your PayPal Account
Find out your PayPal Account balances
Note: A specific ATM terminal may not perform or permit all the
above transactions, and transactions may be subject to a surcharge
assessed by the terminal owner. Each Debit Card may only be linked
to a single PayPal account.

b) Using your card to pay for purchases. You may use your Card to
purchase goods and services from merchants that accept MasterCard,
up to the available balance in your PayPal Account, and subject to
the transaction limits specified in Section 5 below. Purchases
made with your Card will be charged against your PayPal Account

Fees and Rebates
a) Using your card at an ATM. PayPal charges a $1.00 ATM fee when
you make a cash withdrawal. In addition, ATM transactions may be
subject to a surcharge assessed by the terminal owner. PayPal has
no control over these surcharge fees. For a limited time, the
PayPal $1.00 fee will be rebated, up to a maximum of $3.00 per
month, when you use your Card to make at least $100 in purchases
in a calendar month. The rebate for any given month will be paid
out by the 5th of the following month, provided the given month's
purchases total greater than $100. This rebate will no longer be
available in after June 29, 2001.
b) Using your card to pay for purchases. There is no fee to use
your card to make purchases at merchants that accept MasterCard.
In addition, if you join our PayPal Preferred Rewards Program, you
will earn 1.5% cashback on qualifying debit card purchases. See
section c) below for details.

d) PayPal Preferred Rewards

i. The PayPal Preferred Rewards program provides 1.5% cashback for
all PayPal MasterCard Debit Card purchases that do not require a
PIN. Many merchants that do require a PIN (e.g. at gas stations or
grocery stores) offer you the option of choosing 'Credit' or
'ATM/Debit' when making a transaction. To qualify for the 1.5%
cashback, you must choose 'Credit'. Even though you choose
'Credit,' the transaction will be prosessed as a debit to your
PayPal balance, not as a loan of any kind.

ii. Eligibility. To be eligible for PayPal Preferred Rewards, you
must complete the following requirements:

Obtain and activate a PayPal MasterCard Debit Card.
Confirm your auction information in your PayPal profile.
List PayPal as the only online payment option which you will
accept in all of your eBay auction listings.

iii. PayPal reserves the right to change the PayPal Preferred
Rewards program at any time. PayPal will announce any changes to
the program 2 weeks in advance.

Other Terms and Conditions
Limitations On The Number And Dollar Amount Of Card Transactions.
Your Card transactions will be subject to daily limits of $300 for
ATM cash withdrawals / $1000 for purchases. If you reach your
daily limit, for fraud prevention purposes, you may not be able to
complete additional transactions on the following day. This
restriction should be lifted within a day.

Benefits of a PayPal/MasterCard Premier BusinessCard. Both Premier
and Business Accounts will be eligible for a PayPal / MasterCard
Premier BusinessCard. This card has additional features and
benefits that are entirely free to the cardholder and are not
available on standard consumer cards. Please see the MasterCard
Guide to Benefits (.pdf, 494 KB). If you are not a business and do
not want a PayPal / MasterCard Premier BusinessCard, please email and put "Consumer Card Request" in the
subject line. One of our Debit Card Support Representatives will
process your request and mail the card to you.

Expiration. Unless otherwise stated on your Card and in your Card
activation materials, the Card will expire 2 years from the month
it was issued.

Foreign Transactions. If you use your Card to obtain cash or to
purchase goods or services in another country, the amount of the
charge in foreign currency will be converted to a U.S. dollar
amount by the MasterCard network. In making this conversion, the
network will use the procedures set forth in its operating
regulations. Conversion to U.S. dollars may occur on a date other
than the date of the transaction; therefore, the currency
conversion rate may be different from the conversion rate in
effect on the transaction date. You acknowledge that PayPal does
not determine the currency conversion rate that is used, and we do
not receive any portion of the currency conversion rate.

Preauthorization Holds. When you use your Card at a point of sale
location or when you use the MasterCard or other network
enhancement feature of the Card to obtain goods or services or to
obtain cash from a merchant, the merchant may attempt to obtain
preauthorization from us for the transaction. If the merchant
makes such a request, we place a four-calendar day hold on your
PayPal account for the amount of the preauthorization request
(which may vary in some cases from the amount of the actual
purchase, depending on the merchant) If the preauthorization
request varies from the amount of the actual transaction, payment
of the transaction may not remove the hold, which will remain on
the account until the fourth calendar day after the request. This
hold may affect the availability of funds from your PayPal Account
to pay for transactions. We will not be responsible for any
damages if any transactions are not completed because of the hold.

Your Right To Receive Documentation Or Notice Of Transactions.
TELL US AT ONCE if you believe your Card or any other Access
Device has been lost or stolen or if you think your PIN or
Password is no longer secure or confidential. Please login into and report your card as Lost / Stolen in the
"Profile" section. Reporting the card Lost / Stolen on the site is
the best and fastest way of keeping your possible losses down.

If you tell us within two days after you learn of the loss or
theft, you will not be charged more than $50.00 if someone used
your Card or other Access Device without your permission. If you
do NOT tell us within two business days after you learn of the
loss or theft of your Card or other Access Device, and we can
prove we could have stopped the unauthorized transactions if you
had told us, you could lose as much as $500.00. Also if your on-
line statement shows transactions that you did not authorize, TELL
US AT ONCE. If you do not tell us within 60 days after the
Periodic Notice is transmitted to you, you may not get back any
money you lost after the 60 days if we can prove that we could
have prevented the transactions if you had told us in time. A
transfer is not considered unauthorized, and you will be fully
liable, if you have given a person your Personal Identification
Number (PIN) or debit card.

If a good reason (such as a long trip or a hospital stay) kept you
from telling us about unauthorized transactions, let us know and
we will extend the time periods if and as appropriate. You may
also have additional rights under the MasterCard Zero Liability

To protect yourself from losses, you should not reveal your
Password, PIN, or any other Access Device to any person not
authorized by you to use your PayPal account; not write your PIN
or Password on your Card or on any item kept with your Access
Devices; and not leave a computer terminal unattended after you
have logged in using your Password or other Access Device.

Personal Identification Number/Your Electronic Signature Your
personal identification number (PIN) is a security code, which has
been designed to protect your transaction account against
unauthorized use. The PIN provides enhanced security for your
account and must be used when making transactions to your account.
It is your electronic signature. Sine the PIN is for security
purposes, you should memorize it and it should not be disclosed to
anyone. You can change your PIN at any time, and a temporary hold
can be placed on your account if the PIN has been compromised or

if your card is lost or stolen.

Ownership Changes If you authorize an ownership or name change on
your account, it will be your responsibility to destroy your old
PayPal Debit Card, as well as obtaining a new Personal
Identification Number (PIN), or you may be liable for any losses
which may occur.

Termination. We may terminate debit card services, in whole or in
part, without notice, due to your default, account downgrade, our
decision to terminate our debit card business, or as a security
precaution. If you or we cancel this Debit Card Agreement you must
surrender or destroy your Card or any other Access Device issued
to you. Depending on the circumstances, we will attempt to give
you prior notice, but this may not be possible in all cases.

In Case Of Errors Or Questions About Your Electronic Transfers.
Telephone Customer Service at (402) 935-2017, or e-mail or write PayPal Customer Service Attn:
Debit Card Service Department at P.O. Box 50185, Palo Alto, CA
94303 as soon as you can if you think your statement is wrong or
if you need more information about a transfer shown on the
statement. We must hear from you NO LATER than 60 days after the
problem or error has appeared on your on-line statement. In your
communication to us, be prepared to provide us with the following

Your name and Account number.
A description of the error or the transfer you are unsure about,
why you believe it is an error or why you need more information.
The dollar amount of the suspected error.
What We'll Ask You
If you initially provide this information to us via the telephone,
we may require that you send your complaint or question in writing
within 10 business days. We will advise you of the results of our
investigation within 10 business days after we hear from you (20
business days for transactions at a point of sale terminal or
outside the United States) and if we have made an error, we will
correct it promptly. If we need more time, however, we may take up
to 45 days to investigate your complaint or question (90 days for
transactions at a point of sale terminal or outside the United
States). If we decide to do this, we will provisionally re-credit
your Account within 10 days for the amount you think is in error,
so that you will have use of the money during the time it takes us
to complete our investigation.". If we ask you to put your
question or complaint in writing and we do not receive it within
10 business days, we may not provisionally re-credit your Account.

At the end of our investigation, we will advise you of the results
within three (3) business days. If we determine that there was no
error, we will send you a written explanation and we may debit any
provisional credit, any fees, and/or interest provisionally
credited in relation to the alleged error. You may ask for copies
of the documents that we used in our investigation.

Our Liability For Failure To Complete Transactions. If we do not
complete a Card transaction on time or in the correct amount,
according to our agreement with you, we will be liable for your
losses or damages proximately caused by this failure. However,
there are some exceptions. For instance, we will not be liable if:

Through no fault of ours, you do not have enough available funds
in your PayPal Account to make the transaction.
The automated teller or cash dispensing machine does not have
enough cash.
Any terminal or system was not working properly and you knew about
the breakdown when you started the transaction.
Circumstances beyond our control (such as fire or flood) prevent
the transaction, despite reasonable precautions that we have
Confidentiality. We will disclose information to third parties
about your Card account or the transactions you complete with the
Card only:

i) In order to process and complete your transactions, including
verifying the authenticity of the transaction;
ii) In order to comply with government agency or court orders,
including proper requests from law enforcement agencies, or to
conduct investigations of fraud or violations of our Terms of Use;
iii) If you give us your written permission.
Please see our Privacy Policy for a complete description of our
use and protection of your Account information.

What Constitutes a Business Day PayPal's business days are Monday
through Friday. Saturday, Sunday, and Holidays are not considered
business days.

Retrieval Requests: Upon written request, copies of documentary
evidence of transactions on your PayPal Debit card account are
available for income tax and other purposes at a cost of $10.00
per item. As long as the computer you use to access your PayPal
account is connected to a functioning printer, you can always
print out your transaction history, or the details of a specific
transaction, without any additional charge. We will not charge you
for documentation obtained in connection with a good faith
assertion of error in connection with your PayPal Debit card.

This Agreement is subject to change at any time without prior
notice, by posting of the revised agreement on the PayPal website
and you may review the current terms of use prior to initiating a
transaction at any time at our Terms of Use page.