Help Center | Xoom, A PayPal Service.User Agreement | Xoom, a PayPal Service
You must sign the opt-out notice for it to be effective. Provide a simple and easily accessible online cancellation procedure, if buyers sign up for preauthorized payments online. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed.
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This user agreement will be effective for all users from May 6, These are the terms and conditions of the contract work will 8.1 zoom on windows you and PayPal Europe S.
This user agreement does not apply to your use of PayPal’s Xoom service, which is separately governed by /2516.txt Xoom Legal Agreements.
PayPal is deemed authorised and regulated by the Financial Conduct Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. If you are an individual, you must be at least 18 years old and have full legal capacity to enter into a contract to open a PayPal account and use the PayPal services. If you are a business, the business must be registered in one of the above countries.
To use the PayPal services you need to open a PayPal account. By opening and using a PayPal account, you agree to comply with all of the terms and conditions in this user agreement, which will be valid until terminated.
You also agree to comply with the following additional documents and each of the other documents on the Legal Agreements page that apply to you:. Please read carefully all of the terms and conditions of this user agreement and each of the other documents that apply to you. We may revise this user agreement and any of the documents listed above from time to time. We will post a notice on the Policy Updates page of our website and provide notice to you of at least two months.
By continuing to use our services after any changes to this user agreement take effect, you agree how to delete my xoom paypal account – none: be bound by those changes. You may notify PayPal of your objection how to delete my xoom paypal account – none: the proposed changes or close your account before the proposed changes take effect. Any necessary editing, including for typographical or calculation errors or other obvious mistakes, does not constitute an amendment to the User Agreement.
If acdount do not agree with any changes, you may close your account free of charge before the changes take effect. Our services are provided by PayPal Europe S. Luxembourg B to registered users delee the European Economic Accojnt. For details on how to reach PayPal, please refer to this page on Mg Service. PayPal is number B on the register, but you xxoom also look us up on the register by our name. Trade Register Number: R. Luxembourg B Through our services you may make online and in-store payments, donations, and send, request and receive electronic money.
PayPal also provides other financial and related services which can be found on the Legal Agreements page for PayPal services. These services are collectively referred to as the service.
We may also send this information to you. You may request a copy of any legally required disclosures including this user agreement from us and we will provide this to you in a form which allows you to how to delete my xoom paypal account – none: and reproduce the information for example, by how to delete my xoom paypal account – none:.
To use our service, you will need access to a smartphone and computer, or tablet and have an internet connection. We offer two types of accounts: personal accounts and business accounts. To open an account with us, you must:. Tk a personal account you can send and request money from friends and family and pay online for purchases.
Holders of certain existing personal accounts may be required to upgrade their accounts which may include providing further information to PayPal to be able to use all of the ссылка на продолжение functionality available in a personal account. To use your PayPal account primarily to sell things, you must open a business account or convert your personal account to a business account. Business accounts are for people and organisations whether incorporated or not that primarily use PayPal to receive online payments for sales or donations.
Business accounts may be subject to fees that differ from the fees applicable to personal accounts. See our Fees for further details. By opening a business account or converting a personal account to hoe how to delete my xoom paypal account – none: account, you certify to how to delete my xoom paypal account – none: that you are using it primarily for a business or commercial purpose.
If the activity through any type of PayPal account you hold абсолютно zoominfo chrome extension брать certain thresholds or involves certain business segments or activities, you are required by the card networks to agree to Commercial Entity Agreements directly with our processing partners to allow you to continue accepting card-funded payments.
In this case, these Commercial Entity Agreements will apply to any payment processed by PayPal on your behalf in addition to this user agreement. You should take reasonable steps to stop your PayPal account being misused. You must comply with all reasonable instructions we may issue regarding how you can keep your payment instrument safe.
We may require you to authenticate any instruction relating to your account i. You must keep your postal address, email address, phone number of a phone to which you are the primary user and other contact information current in your PayPal account profile. You may expressly grant, remove and manage permissions for some third parties to take certain actions on your behalf. In some cases you can do this when logged into your account жмите in other cases how to delete my xoom paypal account – none: can do this directly with the third party.
You acknowledge that if you grant permission for a third party to take actions on your behalf, we may disclose certain information about your читать полностью to this third party. Granting permission to any third party to /4892.txt how to delete my xoom paypal account – none: account in any way does not relieve you of any of your responsibilities xlom this user agreement.
You are liable to nonee: for the actions that you authorise the third parties to carry out. 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.
You can close your account at any time. See the PayPal Help Centre for how to do this. We may also close your account at any how to delete my xoom paypal account – none: if:.
Where we decide to close your account we will provide you with notice of account closure and where practicable, the reasons for closing your account, together with the ability to withdraw any undisputed funds that we psypal holding. If как сообщается здесь are a consumer, you have the right to withdraw from the Accounf Agreement without giving any reason and without penalty within 14 days of your account being opened.
To do so, you must, within these 14 days, follow the process to close your account which will end the User Agreement. This is why, in addition to these mandatory rights, even after 14 days, you can end your agreement by closing your account. By making use of our services during the day withdrawal period you require our services to be provided before the end of the day right of mt period.
You will have to pay fees for the services you used including during the day withdrawal period up until you close your account and withdraw your balance, if any. All pending transactions will be cancelled when you close your account.
You can use a funding source as a way to pay us to obtain electronic money in your account or to receive withdrawals from your account, as further outlined in this user agreement pqypal in how to delete my xoom paypal account – none: Adding or Withdrawing Money and Funding your Payment. You can link or unlink a credit card, посмотреть больше card, a prepaid card where available a bank account or PayPal Credit how to delete my xoom paypal account – none: available to your PayPal account as a funding source.
Please keep your funding source information current e. If this information changes, we may update it using information and third-party sources available to us without any action on your part.
If you do not want us to update your card information, you may contact your issuer to request this or remove your funding source from your PayPal account. If we update your funding source, we will keep any preference setting attached to that funding source. You may choose to confirm your card or bank account, so that we can verify that the card or bank account is valid and that you are its owner. By linking a funding source to your PayPal account, you give us continuous permission to automatically charge that funding source subject to this user agreement and the terms of any mandate e.
We may charge the funding source again if the previous attempt failed. If you cancel any continuous permission from your funding source, you will reimburse us for the value of any electronic accoung we’ve already issued for which a charge from that funding source remains outstanding. When we receive a payment from your funding source we may store the resulting electronic money in sign in youre using allowed – reserve account for as long as we have reason to believe that there is risk of reversal by the funding source provider.
This is because we do not have all the information necessary to place the funds from your payment at your disposal in your Deelte balance while there is such a risk of reversal. See Funding payments you send from your account below for how we use eCheques. You will not receive interest or any how to delete my xoom paypal account – none: earnings on the money in your account.
This is because the money in acfount account is electronic money and applicable laws forbid paying interest on electronic money. Also, electronic money is not a accounnt 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.
In addition, читать статью Financial Services Compensation Scheme does not cover any credit balances we hold in your PayPal account from time to time. The operational part of your account contains how to delete my xoom paypal account – none: PayPal balance, which is the balance of money available for payments or withdrawals. You need to have enough PayPal balance in cleared funds to cover the amount of any payment you make and the transaction fees you owe us at the time of the payment.
Other requirements also apply — see the section Making a Payment below. If tl have insufficient PayPal balance or have chosen a preferred funding source you are also requesting us to obtain funds on your behalf from your applicable funding source and issue electronic money to your PayPal balance for your payment to be made.
When you withdraw your money you need to have enough PayPal balance to cover the delste of any withdrawal at the time of accont withdrawal. If your PayPal balance shows a negative amount, this is the net amount you owe to us at the given time.
You cannot access and use money stored in the reserve account. The execution of any по этому адресу to us from your funding source provider is your funding source provider’s legal responsibility. We have no control over how long the payment to us /28952.txt take. If you have a PayPal balance, you may withdraw oxom amount by transferring it to your nominated funding source linked to your PayPal account, as we may allow from time to time.
This could include your bank account or debit or credit card, depending on the country in which your PayPal account is registered.
When you instruct us to withdraw any amount of your PayPal balance, subject further to this user agreement we will:. If there are no other delays subject to this user agreement.
Once our bank receives our payment instruction, we have no control over how long the payment to you will take to complete. At this point, our bank, your funding source provider and the payment systems that they rely on take over responsibility for getting the money to your nominated funding source and this can affect the time it takes for you to receive your money.
We may allow you to withdraw the money by transferring the money to:. Fees apply to withdrawals. We will also disclose to you the fees in advance each time you initiate such a withdrawal. The funding source for example, bank account or card into which you request the withdrawal must be denominated in the original opening currency of your account or another currency that PayPal supports for withdrawals in your country of residence.
You may only withdraw PayPal balance in the opening currency of your account, unless we agree otherwise. In order to withdraw PayPal balance held in another currency you will have to convert the currency to the opening currency of your account, or it will be converted for you at the time of your withdrawal.
Our transaction exchange rate will be used.
How to delete my xoom paypal account – none:
How do i get Xoom out of the way so I can access my PayPal balance? How di I get rid of Xoom entirely? To change my Xoom email account, I need my old password forgotten and lost and access to my old email an email address from an old employer – the employer long ago deleted that email account.
See the table below for more information:. Additionally, payment methods stored in your PayPal account may not appear if your PayPal account and your Xoom account were created in different countries. All of your Xoom transactions will appear in your Xoom transaction history, no matter what payment option you use. You will also find Xoom transactions in your PayPal transaction history if you paid with PayPal balance.
Toggle SideBar. Xoom Help Center. Can I delete Xoom transaction history? Yes, you can delete your Xoom transaction history. How do I remove my debit card from Xoom? How do you cancel PayPal account? How do I unlock my Xoom account? How many times can you send money on Xoom? You can send money on Xoom up to 10 times per day. Why is Xoom cancel my transactions?
Notwithstanding the foregoing, specific refund provisions may apply depending on your country or state of residence. Please go to the relevant section for your country specific provisions, which can be found between Part C — E. If your country of residence is Canada at the time you send a Transaction, the following provisions shall apply to you:.
Xoom transfers the applicable amount of your payment to DT One. In order to access or use the Service as a Sender or Beneficiary, you must be i at least eighteen 18 years old or the age of majority in your province, and ii able to form legally binding contracts.
When you do, please tell us:. We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly. We will tell you the results within three 3 Business Days after completing our investigation.
If we decide that there was no error, we will send you a written explanation. You may ask for copies of any documents we used in our investigation or for more details about your investigation. If a dispute arises between you and PayPal, our goal is to learn about and address your concerns. If we are unable to address your concerns to your satisfaction, we will seek to provide you with a neutral and cost-effective means of resolving the dispute quickly.
Please click here for Customer Service. A party electing arbitration will do so through an established alternative dispute resolution “ADR” provider mutually agreed upon by the parties. This User Agreement shall be governed by the laws of Ontario and the laws of Canada, each as may be applicable. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement a “Claim” shall be governed by and construed in accordance with the laws of Ontario and the laws of Canada, each as may be applicable, except that body of law governing conflicts of law and except as otherwise provided in this User Agreement.
If your country of residence is in the European Economic Area or the United Kingdom at the time you send a Transaction, the following provisions shall apply to you:. The Service provided to you is a money remittance service, which does not entail the creation of a payment account and shall be provided to you on a transaction per transaction basis.
We shall only be liable to you for loss or damage caused directly and reasonably foreseeable by our breach of this User Agreement and our liability in these circumstances is limited as set out in the remainder of this section. If a dispute arises between you and Company and you reside in the European Economic Area, our goal is to learn about and address your concerns.
In addition, you may have additional dispute resolution options:. If you reside in any member state of the European Economic Area, other than the United Kingdom, and have a complaint to make about us, you may choose to escalate it by contacting one of the following:. The UK FOS is a free, independent service, which might be able to settle a complaint between you and us. If a dispute arises between you and Company and you reside in the United Kingdom, our goal is to learn about and address your concerns.
Disputes between you and Company regarding the Service may be reported to Customer Service. We will aim to respond to your complaint as quickly as possible; however, depending on the complexity of the issue, it may take up to 15 business days for payments-related complaints and up to 8 weeks for all other complaints.
If there’s any delay in our final response, we’ll send you an update on the progress. If the outcome of any complaint about our services is still not to your satisfaction, you can refer your complaint to. The nature and extent of consumer protections may differ from those for firms based in the UK. This User Agreement and the relationship between us is governed by the laws of England and Wales.
This does not affect your mandatory rights under the laws of the country in which you reside, such as your rights as a consumer. Any controversy, dispute, or claim arising out of or relating to the Service or User Agreement a ” Claim ” shall be governed by and construed in accordance with the laws of England and Wales. For complaints that cannot be resolved otherwise, you submit to the non-exclusive jurisdiction of the courts of England and Wales arising out of or relating to these User Agreement or the provision of our Services, without prejudice to your right to also initiate a proceeding against PayPal in that context before the competent courts of and in Luxembourg or your country of residence.
If your country of residence is in the United States at the time you send a Transaction, the following provisions shall apply to you:. DT One offers Reloads in the U. We will communicate with you in English only. You may execute up to a maximum dollar amount per Transaction using your Xoom Account, depending on the type of Transaction.
In addition, you may execute up to a certain maximum dollar amount in total for Transactions over a specified period of time using your Xoom Account. Limitations may apply on the maximum number of Transactions you may make over a specified period of time using your Xoom account. Tell us AT ONCE if you believe your Xoom Account credentials username or password have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your Xoom Account.
Telephoning is the best way of keeping your possible losses down. If your Payment Instrument is associated with an asset account e. Also, if your Xoom statement shows transfers using a Debit Instrument that you did not make, tell us at once. If you do not tell us within days from the date we promised to you that funds would be made available to the Recipient, as provided in the Transaction receipt, you may not get back any money you lost after the days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason such as a long trip or a hospital stay kept you from telling us, we will extend the time periods. If you believe your Xoom Account credentials have been lost or stolen, please contact us using any method provided on our support page. Notwithstanding the foregoing, if your Payment Instrument is not a Debit Instrument e. Treatment of Debit Transaction error claims varies depending on whether you send funds within the United States or internationally, and whether you are claiming unauthorized use of your Xoom Account.
In case of errors or questions about your Debit Transactions, please contact us using any method provided on our support page as soon as you can, if you think your statement or receipt is wrong or if you need more information about a Debit Transaction listed on the statement or receipt.
We must hear from you no later than days from the date we promised to you that funds would be made available to the Recipient, as provided in the Debit Transaction receipt. If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.
The following applies if you think any Debit Transaction was not authorized by you, or if you think any error has occurred with respect to the Debit Transaction where the Destination is the United States:.
The following applies if you think an error has occurred with respect to any Debit Transaction where the Destination is not the United States, other than an unauthorized Debit Transaction error:. The error resolution procedures, rights and obligations described in this Section 7 apply to Credit Card Transactions. Treatment of Credit Card Transaction error claims varies depending on whether you send funds within the United States or internationally, and whether you are claiming unauthorized use of your Xoom Account.
If your Transaction was made with a Debit Instrument, error resolution procedures, rights and obligations are set forth in Section 6. Credit Card Transaction listed on the statement or receipt. We must hear from you no later than days from the date we promised to you that funds would be made available to the Recipient, as provided in the Non-U. Credit Card Transaction receipt. If you think an error has occurred with respect to your Non-U. Credit Card Transaction, we will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly.
We will tell you the results within three Business Days after completing our investigation. If you think any Credit Card Transaction was not authorized by you, or if you think any error has occurred with respect to a Credit Card Transaction where the Destination is the United States, please contact us using any method provided on our support page as soon as you can for assistance with resolving the issue. You may also contact the issuer of your credit card Payment Instrument regarding your dispute.
If we do not complete a Transaction drawn against a Debit Instrument on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:. Residents of certain jurisdictions in the United States may also consider the following in the event of a problem:. Notwithstanding the foregoing, residents of certain jurisdictions in the United States should read the following:.
RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if PayPal does not forward the funds received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of funds to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.
If your instructions as to when the funds shall be forwarded or transmitted are not complied with and the funds have not yet been forwarded or transmitted you have a right to a refund. California residents: the above does not apply to claims under Section of the California Financial Code arising from Transactions originating in California.
You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise, out of or relating to the Xoom services or your Xoom account, will be resolved in accordance with the provisions of the Agreement to Arbitrate provisions set forth below. Please read this information carefully. Among other things it:. If you have a dispute with PayPal, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly.
Any disputes you have regarding the Xoom services may be reported to customer service online through the Xoom Help Center at any time. You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this User Agreement, the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and PayPal.
Xoom moves your money fast, and keeps your security a top priority. Speed of money transfer service is subject to many factors, including:. Luxembourg B United States PayPal, Inc. We recommend that Senders use the Service only to send money to, reload pre-paid mobile telephone plans for, or pay bills for people you know personally, such as family and friends.
You should never use the Service to send requests or money to strangers. Where required by law, PayPal is a licensed or authorized provider of money remittance services.
All money transmission is provided to Senders by PayPal. A “Sender” is someone who uses the Service to send money, make a bill payment or pay for a pre-paid mobile telephone plan reload. A “Recipient” is an individual who receives money from a Sender through the Service. A “Third-Party Service Company” is a seller of Reloads through Xoom or a utility or other entity that receives a bill payment from a Sender through the Service.
A “Beneficiary” is someone for whom a Sender reloads their pre-paid mobile telephone plan or makes a bill payment through the Service. For example, and for illustration purposes only, if you use the Service to pay your relative’s electric bill, your relative is your Beneficiary and the electric company which receives the payment is the Third-Party Service Company for that Transaction. You understand that the person referred to as “Beneficiary” in this User Agreement may be referred to as the “Recipient” on your Reload or Bill Pay receipt.
The “Payout Amount” is the amount paid out to the Recipient or Third-Party Service Company, excluding any taxes or charges that may be levied under the laws of the Destination and deducted from the Payout Amount the “Local Taxes”.
All Transaction Fees defined herein related to the Service are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions. Any such deduction or withholding, if required by the laws of any country are your sole responsibility. Eligible Users. In order to access or use the Service as a Sender, you must be i at least eighteen 18 years old or the age of majority in your country, and ii able to form legally binding contracts.
Please go to the relevant section for your country specific provisions, which can be found between Part C — F, for further information about age of majority. Only natural persons are eligible to use the Xoom service. Mobile Services. The Service is also accessible via a mobile device.
If you access the service through a mobile device, your wireless service carrier or mobile network operator’s standard charges, data rates and other fees may apply. Bill Pay Beneficiary Consents. You confirm that your Beneficiary has consented to you to accessing his or her account information and permitted PayPal to collect and verify information about him or her.
Xoom is a different service than the PayPal service. Your Xoom Account will be accessible using your PayPal credentials.
We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments and you understand that it is not guaranteed that any or all of the Payment Instruments you have stored in your PayPal account will be available for use when using Xoom to complete your Transaction.
Xoom will provide your Transaction history on the transaction history page. Please check the statement for each Payment Instrument you used to pay for a Transaction to see when it was debited to that Payment Instrument. Not Available to Certain Users. The Service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations or if we reasonably determine that providing the Service in a particular country or jurisdiction presents an unacceptable level of risk to us, our users or our systems.
Not Available for Certain Transactions. We may, at any time and in our sole discretion, refuse any Transaction. This may include Transactions from certain Senders, for certain Beneficiaries or to certain Recipients or Service Companies, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, United Nations Security Council Sanctions List, and such other lists as may be issued from time to time by government agencies.
We may also, at any time and in our sole discretion, limit the amount to be transferred on a per Transaction basis or an aggregated basis without prior notice. Any such limits may be imposed on individual Xoom accounts or on related Xoom accounts or households. We may reject or limit Transactions based on violations of this User Agreement, local laws and regulations or if we reasonably determine processing a Transaction presents an unacceptable level of risk to us, our users or our systems.
It is the express wish of the parties that these terms and any directly or indirectly related documents be drawn up in English. Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement. In the event of a conflict between the English version of this user agreement and a version in a language other than English, the English version shall control.
If you as a seller receive personal data about another PayPal customer, you must keep such personal data confidential and only use it in connection with the PayPal services. You may not disclose or distribute any personal data about PayPal customers to a third party or use such personal data for marketing purposes unless you receive that customer’s express consent to do so. You may not send unsolicited emails to a PayPal customer or use the PayPal services to collect payments to send, or assist in sending, unsolicited emails to third parties.
To the extent that you process any personal data about a PayPal customer pursuant to this user agreement, you and PayPal will shall each be an independent data controller and not joint controllers , meaning we will each separately determine the purposes and means of processing such personal data. We each agree to comply with the requirements of any applicable privacy and data protection laws, including any applicable regulations, directives, codes of practice, and regulatory requirements applicable to data controllers in connection with this user agreement.
We each also have and will follow our own, independently-determined privacy statements, notices, policies and procedures for any such personal data that we process in connection with this user agreement. These terms and conditions apply only to account holders for PayPal accounts registered in the following countries.
If you are using a service “Third Party Service” offered by a PayPal partner bank or licensed foreign-exchange service provider a “Service Provider” , please see the terms and conditions of the Service Provider for additional information relating to that service. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal account to a Service Provider.
We may amend the user agreement and any of the policies and other agreements on the Legal Agreements page that apply to users in Mainland China from time to time. Except to the extent amended by these terms and conditions, all other provisions of the user agreement shall remain in full force and effect.
Financial Ombudsman Scheme. The operator approved to operate the scheme is the Ombudsman for Financial Services OFS , an independent alternative dispute resolution channel covering eligible Malaysia customers. OFS services are provided free of charge to eligible complainants who may be dissatisfied with PayPal’s resolution.
For more information on the timeframe to file the dispute and the types of Award that may be granted by the Ombudsman, please visit www. Withdrawing Funds in Malaysia. If your Account is registered in Malaysia, you may only withdraw funds from your Account by transferring them to your local Malaysian bank account.
Governing Law. For Malaysian residents who register for the PayPal services with a Malaysian address, this user agreement is governed by and interpreted under the laws of Malaysia as such laws are applied to agreements entered into and to be performed entirely within Malaysia. Except as amended by these terms and conditions, all other provisions of the user agreement remain in full force and effect.
We may amend this user agreement and any of the policies and other agreements on the Legal Agreements page that apply to users in Malaysia from time to time. PayPal suspension and termination rights. PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf or some or all of the PayPal services, at any time upon notice to you: i if you breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements as they apply to you , or any other agreement between you and PayPal, or ii if we determine, acting reasonably, that we should do so due to other circumstances or reasons.
Our determination shall be final and binding except in the case of manifest error or bad faith. Upon termination of this user agreement, PayPal shall arrange the payment to you of any unrestricted funds held in your PayPal balance. Upon enablement of the withdrawal functionality to a Moroccan bank account with the bank partner of PayPal, you will be required to comply with Moroccan laws and regulations.
Upon enablement of the receive and withdraw functionalities, PayPal will provide you with additional information. If you are using a service “Third Party Service” offered by a PayPal partner bank, licensed foreign-exchange service provider, remittance agent or e-money issuer a “Service Provider” , please see the terms and conditions of the Service Provider for additional information relating to that service.
If you receive amounts into your PayPal balance from a PayPal user:. Please see the FNB website for more information. Our operating hours are on Business Days from 9am to 5pm. If you are a Singapore resident, you may have this same information emailed to you by sending a letter to the address above with your email address and a request for this information. Fees for our services are described in our Fees Table. Your PayPal account can only facilitate payments for goods and services, not personal fund transfers.
For personal accounts, please note that there may be a limit on the total balance which you may hold in all personal accounts or on the total amount of outgoing transactions which may be made from all personal accounts you have with us as prescribed by law or as we may determine. In relation to the PayPal balances of Singapore Resident users, PayPal has arranged for a sum of monies equal to the said PayPal balances to be held through a trust arrangement.
Additionally, if you are an individual or sole proprietor, we are required to inform you of your obligations under the E-Payments User Protection Guidelines published by the Monetary Authority of Singapore as set out below:.
Please note that your notification preferences may affect your ability to detect Unauthorised Transactions in a timely manner, and your liability for any Unauthorised Transactions. In addition to the procedures above, we will complete investigation of any Unauthorized Transaction claim within 21 business days, for straightforward cases or 45 business days, for complex cases. Complex cases may include cases where any party to the Unauthorised Transaction stays overseas or where we have not received sufficient information from you to complete the investigation.
We will provide a written or oral report of the investigation outcome and its assessment of your liability and seek your acknowledgement of the investigation report. We may also require that you furnish a police report before we begin our claims resolution process. Where you do not agree with our assessment, we may commence other forms of dispute resolution.
Your ability to withdraw your PayPal balance to your local bank account may require the opening of a bank account with a PayPal partner bank in Taiwan “Partner Bank” , and using the withdrawal service offered by that Partner Bank “Withdrawal Service”.
Please see the terms and conditions with the Partner Bank for additional information relating to the Withdrawal Service. If for any reason your PayPal balance withdrawal cannot be processed, your funds will be returned to you in USD. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal account to the Partner Bank.
PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any i failure, interruption, defect or negligent or willful misuse of the Withdrawal Service; or ii consequences arising out of any delay or non-receipt of funds withdrawn through the Withdrawal Service.
Except to the extent amended by these country specific terms and conditions, all other provisions of the user agreement shall remain in full force and effect. This fee only applies to merchants who have separate agreements with PayPal. Currency conversion that occurs when sending a Personal or a Commercial Payment or receiving a refund beyond 1 day of the date of the original payment:.
Currency conversion that occurs when receiving other payments including Payouts , withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your local currency , adding funds from a bank account to your PayPal account or when transferring funds between your PayPal balances held in different currencies as applicable :.
Currency conversion that occurs when receiving other payments including Payouts , withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your local currency, adding funds from a bank account to your PayPal account or when transferring funds between your PayPal balances held in different currencies as applicable ;.
Currency conversion that occurs when receiving other payments including Payouts , withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your primary currency , adding funds from a bank account to your PayPal account or when transferring funds between your PayPal balances held in different currencies as applicable. The fee depends on the currency into which the amount is converted, as listed in the table below. Currency conversion that occurs when sending a Personal if applicable or a Commercial Payment or receiving a refund beyond 1 day of the date of the original payment:.
Currency conversion that occurs when withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your primary currency :. Currency conversion that occurs when receiving other payments including Payouts , withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your local currency , adding funds from a bank account to your PayPal account or when transferring funds between your PayPal balances held in different currencies as applicable.
Between 3. For withdrawals using the functionality directly available in your PayPal account subject to availability and withdrawal limits , the following withdrawal fees apply:. If you withdraw your balance in a currency other than the currency in which the balance on your account is denominated, you will additionally be charged currency conversion fees as set out above. For sellers in the countries listed below, there is a maximum fee per payment for receiving -eCheque funded payments as follows.
The cap depends on the currency of the payment:. In some instances, PayPal may require you to verify control of your credit card or debit card. In order to do so, PayPal makes a charge to your credit card or debit card and then requires you to verify the code associated with the charge.
This amount will be refunded when you successfully complete the credit card or debit card verification process. We will not charge you for records requested in connection with your good-faith assertion of an error in your account.
Micropayments Pricing. If you have signed up for Micropayments Fees, then the following Fees apply to all the Commercial Payments you receive. If you have both a Micropayments Fees enabled account and a standard pricing account, it is your responsibility to correctly route your payments to the appropriate account, and once a transaction is processed through the account you selected, you may not request that the transaction be processed through a different account.
Domestic micropayments and International micropayments between PayPal accounts registered in the European Economic Area:. If you apply and qualify for Micropayments for Digital Goods, then for each transaction involving only digital goods, you agree to pay either i the Commercial Payment Fees described in Section 2 above or ii the Micropayments for Digital Goods Fees, whichever rate results in a lower amount being charged to you for the transaction.
Personal payments are payments to friends or family members such as your share of the rent or a dinner bill. If you use your credit card as the payment method for a personal payment, you may be charged a cash-advance fee by your credit card company.
Personal Payments Fee when another payment method is used to fully or partially fund the payment, including a credit or debit card. If you use another payment method to partially fund the payment, the fee will be pro-rated. Note: Cross Border Euro or Swedish Krona payments made between accounts registered in the European Union or European Economic Area or Monaco will be treated as Domestic personal payments for the purpose of applying fees.
Your bank, credit or debit card company may charge you fees for sending or receiving funds through PayPal.
For example, you may be charged currency conversion fees, international transactions fees, or other fees even when your transaction is domestic, and does not require a currency conversion.
PayPal is not liable for any fees charged to you by your bank, credit or debit card company or other financial institution based on your usage of PayPal. Back to All Agreements. Welcome to PayPal! You also agree to comply with the following additional policies and each of the other agreements on the Legal Agreements page that apply to you, including: Acceptable Use Policy Alternative Payment Methods Terms Please read carefully all of the terms and conditions of this user agreement, the terms of these policies and each of the other agreements that apply to you.
About our main business PayPal is a payment services provider and acts as such by creating, hosting, maintaining and providing our PayPal services to you via the internet. We offer two types of accounts: personal accounts and business accounts. All PayPal accounts let you do things like: Send and receive payments. Buy things online, using mobile devices or in stores. Make payments using your credit card, debit card, bank account, PayPal balance, eCheque or other payment methods. Accept credit card, debit card, bank account, PayPal balance, eCheque or other payment methods from others.
Personal accounts If you primarily need to make purchases and send payments to family and friends, a personal account is probably right for you.
With a personal account you can do things like: Buy goods and services. Send and request payments from friends and family. Business accounts We recommend business accounts for people and organizations that primarily use PayPal to sell goods or services, even if your business is not incorporated.
With a business account, you can do things like: Use a company or business name as the name on your PayPal account. Allow employees access to some of the features of your PayPal account.
Sign up for PayPal products that meet your business needs. Commercial Entity Agreement If the activity through any type of PayPal account you hold reaches certain thresholds or involves certain business segments or activities, you are required by the card networks to agree to a Commercial Entity Agreement to allow you to continue accepting Visa and MasterCard payments. Third Party permissions You must be the beneficial owner of your PayPal account, and conduct business only on behalf of yourself.
You may permit third party service providers licensed by applicable law to: provide account information services to access information about your account on your behalf; confirm whether an amount necessary for the execution of a card-based payment transaction is available on your account; or provide payment initiation services to initiate payments from your account on your behalf.
In certain cases, you may not close your PayPal account, including: To evade an investigation. If you have a pending transaction or an open dispute or claim. If your PayPal account has a negative balance.
If your PayPal account is subject to a hold, limitation or reserve. Adding funds to your balance You may use the payment methods linked to your PayPal account to fund transactions you make using your PayPal account. Completing the following steps can help us verify your PayPal account, which may allow us to remove any withdrawal cap: Verifying your bank account; and Linking and confirming your credit card or debit card information.
Holding multiple currencies Your PayPal balance may be held in any of the currencies supported by PayPal, and you may hold a balance in more than one of these currencies at the same time. If you hold a balance in your PayPal account: We may allow you to convert the balance into another currency.
If you convert the balance in your account, PayPal’s transaction exchange rate including our currency conversion fee will be used. We may, at our discretion, impose limits on the amount of your balance that you can convert or the number of conversions you can perform.
In order to withdraw the balance in your account which is held in another currency you will have to convert the currency to the opening currency of your account, or it will be converted for you at the time of your withdrawal. PayPal’s transaction exchange rate, including our currency conversion fee , will be used.
How we convert currency If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange. Currency conversion choices When your payment is funded by a debit or credit card and involves a currency conversion by PayPal, you consent to and authorize us to convert the currency in place of your debit or credit card issuer.
Account Statements You have the right to receive an account statement showing your PayPal account activity. If they either decline to accept the funds or don’t claim them within 30 days of the date they are sent, the funds including any fees you were charged will be refunded to: The original payment method you used for the transaction, if you used a credit card, debit card or PayPal Credit as the payment method, or Your PayPal balance, if you used your PayPal balance as the payment method or a bank account as the payment method and we cannot refund it to your bank account.
Receiving payments If a friend or family member sends funds to you, the funds will appear in your PayPal balance. How to buy something or make a donation You can buy something from a seller who accepts PayPal or make a donation in any currency that the recipient accepts, and that PayPal supports, using the funds in your PayPal balance, or using any payment method linked to your PayPal account.
This includes, for example: Buying something at an online retailer’s website and selecting PayPal as your payment method at checkout.
Sending a payment to a seller for good or services. Using your PayPal account to buy something at a seller’s physical store.
Making donations using PayPal. In addition, payment methods may be limited for certain sellers or recipients, including PayPal payments made through certain third-party websites or applications, for example: American Express may not be available as a payment method for certain merchants, such as branded airlines and certain travel merchants; Some credit cards may not be available as a payment method for certain merchants, such as those in the gambling industry; and Credit cards cannot be used to send personal payments or to top up your PayPal balance When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction.
Fees When you buy something from a seller who accepts PayPal or make a donation, you don’t pay a fee to PayPal. Your credit card or debit card issuer may also charge you a separate fee for transactions.
Payment review When PayPal identifies a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed. Automatic payments You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. Refunds When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the payment will typically be refunded to the original payment method you used for the transaction if you used a credit card, debit card or PayPal balance.
If PayPal performed a currency conversion for your transaction and a refund is issued: within 1 day of the date of the original payment, the transaction exchange rate including our currency conversion fee used at the time of the original payment will apply.
The transaction exchange rate may be applied immediately and without notice to you. This means that you may not receive the full amount of your original payment due to the fees above and fluctuations in currency conversion rates. Selecting a preferred payment method In certain countries, you can choose any of the payment methods in your PayPal account as your preferred payment method. Backup payment method Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable.
Sending payments to friends and family When you send payments to friends and family using your PayPal balance if available or your bank account, we waive all fees, so we always show you these payment options first, even if you have a set preferred payment method for your online purchases.
Automatic payments Some sellers allow you to store PayPal as the way to pay when making purchases on their site, so you can check out faster. You can cancel any agreement in your account settings. Bank account transfers When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient. If you use your PayPal account to receive payments for the sale of goods or services or to receive donations, you must: Pay any applicable fees for receiving the funds.
Not ask your buyer to send you a personal payment for a purchase. If you do so, PayPal may remove your PayPal account’s ability to accept payments from friends or family members. No surcharges You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. Taxes, information reporting Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments, including, for example, value-added tax, sales tax, income tax, use or withholding taxes, assessable by any jurisdiction collectively, “taxes” and, unless expressly noted, our fees are exclusive of applicable taxes.
Marketplace sellers If you’re a seller on a marketplace or through a third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace’s or the third party application’s buyer protection program for sales you make through that forum.
Card not present transactions Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.
Accepting preauthorized payments As a seller, you can accept payments from a buyer’s account through preauthorized payments either on a one-time, regular or sporadic basis. Automatic Transfer Countries If you are a resident of an Automatic Transfer Country, then you have the ability to receive payments, but you must withdraw the full amount of your payment through an available withdrawal method.
Please note that: We may adjust the fees applicable to future transactions that you process using PayPal. We will provide you at least 14 days’ advance notice of any fee increase or the introduction of a new type of fee.
If you accept payments using a PayPal product like PayPal Payments Pro , the fees applicable to those products will apply to your transactions. Merchant rate To qualify for our merchant rate, you must submit a one-time application, have a qualifying monthly sales volume, and have a business account in good standing.
Your responsibility to notify PayPal of pricing or fee errors. General information If you receive a payment for selling goods or services that is later refunded or invalidated for any reason, you are responsible for the full amount of the payment sent to you plus any fees including any applicable chargeback fee or Dispute fee described below. Payments that are invalidated and reversed Payments to you may be invalidated and reversed by PayPal if: You lose a PayPal Buyer Protection claim submitted to us by a buyer, including as a result of your failure to respond in a timely manner.
Your buyer pursues a chargeback related to a card-funded transaction and the transaction is not eligible for PayPal’s Seller Protection. The card issuer, not PayPal, determines whether a buyer is successful when they pursue a chargeback related to a card-funded transaction. You do not fulfill the transaction as promised or you cannot provide proof of shipment or proof of delivery when required. Our investigation of a bank reversal made by a buyer or the buyer’s bank finds that the transaction was fraudulent.
PayPal sent the payment to you in error. The payment was unauthorized. You received the payment for activities that violated this user agreement, PayPal’s Acceptable Use Policy or any other agreement between you and PayPal. If you do not do so, PayPal may: recover any amounts due to PayPal by debiting your balance; engage in collection efforts to recover such amounts from you; take any and all action as outlined under Amounts owed to PayPal ; or place a limitation or take other action on your PayPal account as outlined under Restricted Activities and Holds.
Resolved directly between you and the buyer and not escalated to a claim with PayPal. Filed by the buyer directly with PayPal as an Unauthorized Transaction. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. Decided in your favour by PayPal or your issuer. Your liability will include the full purchase price of the item plus the original shipping cost and in some cases you may not receive the item back , and the PayPal fees that you were charged for the transaction.
This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer.
In some cases you may not receive the item back. The Buyer Protection claim will only be considered fully resolved if: the refund to a buyer is processed through PayPal, or you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. You will not receive a refund of the PayPal fees that you paid in connection with the sale. If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.
If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back.
What’s eligible If you sell a good or service to a buyer, you may be eligible for PayPal’s Seller Protection program.
In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you will not: Breach this user agreement, PayPal’s Acceptable Use Policy , the Commercial Entity Agreements if they apply to you , or any other agreement between you and PayPal. Violate any law, statute, ordinance, or regulation for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising.
Infringe PayPal’s or any third party’s copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. Sell counterfeit goods. Act in a manner that is defamatory, trade libelous, threatening or harassing. Provide false, inaccurate or misleading information. Send or receive what we reasonably believe to be potentially fraudulent funds. Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us.
Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. Control an account that is linked to another account that has engaged in any of these restricted activities.
Conduct your business or use the PayPal services in a manner that results in or may result in: complaints; requests by buyers either filed with us or card issuers to invalidate payments made to you; or; fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you.
Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. Allow your PayPal account to have a negative PayPal balance. Provide yourself a cash advance from your credit card or help others to do so.
Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. Use the PayPal services to test credit card behaviors. Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account s when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own e.
Cause us to receive a disproportionate number of claims that have been closed in favour of the claimant regarding your PayPal account or business.
Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal services. Disclose or distribute another user’s information to a third party, or use such information for marketing purposes unless you receive the user’s express consent to do so. Send unsolicited emails to users or use the PayPal services to collect payments for sending, or assisting in sending, unsolicited emails to third parties.
Copy, reproduce, communicate to any third party, alter, modify, create derivative works, publicly display or frame any content from the PayPal websites without our or any applicable third party’s written consent. Reveal your account password s to anyone else, nor use anyone else’s password. We are not responsible for losses incurred by you including, without limitation, the use of your account by any person other than you, arising as the result of misuse of passwords.
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