PayPal

"Subject to the next paragraph, when you provide content to PayPal or post content using PayPal services, you grant PayPal (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights to help us improve, operate and promote our current services and develop new ones. PayPal will not compensate you for any of your content. You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights."

PayPal receives a worldwide, irrevocable, royalty-free license to use your content and associated intellectual property to improve, operate, promote current services, and develop new ones. PayPal will not compensate you for this use.

PayPal gains broad rights to use your data for its business without paying you, meaning your content becomes a free resource for their product development and marketing.

"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 for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account."

PayPal suspends or terminates your user agreement, access to its services, or the services themselves for any reason at any time, upon notice. Upon termination, PayPal pays you any unrestricted funds.

PayPal can unilaterally cut off your access to its services and funds at any time, potentially disrupting your operations without specific cause.

"Holding the balance in your Balance Account, the balance in your business account, or any money waiting to be claimed through your personal account if you do not have a Balance Account linked to your personal account, for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy. The hold may remain in place longer than 180 days according to Court Orders, Regulatory Requirements, or Other Legal Processes."

PayPal holds your account balance for up to 180 days if it needs to protect against liability or if you violate its Acceptable Use Policy. Holds extend beyond 180 days due to legal orders.

PayPal can freeze your funds for up to 180 days or longer, severely impacting your cash flow and access to your money if they deem it necessary.

"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."

You cannot close your PayPal account if you are under investigation, have pending transactions, an open dispute, a negative balance, or if your account is subject to a hold, limitation, or reserve.

You lose control over closing your account if any of these conditions apply, potentially trapping your funds or data within the service.

"Except when PayPal acts as your agent and custodian to place funds in one or more banks insured by the Federal Deposit Insurance Corporation (FDIC) that we choose in our discretion (“Program Banks”), as provided below, any balance in your Balance Account and any funds sent to you which have not yet been transferred to a linked bank account or linked debit card if you do not have a Balance Account, represent unsecured claims against PayPal that are not eligible for FDIC pass-through insurance."

Your PayPal balance and un-transferred funds are unsecured claims against PayPal and are not eligible for FDIC pass-through insurance, unless PayPal acts as your agent to place funds in FDIC-insured Program Banks.

Your funds held directly by PayPal are not FDIC-insured, meaning you risk losing them if PayPal faces financial difficulties.

"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."

If you sell a counterfeit item that is "Significantly Not as Described," PayPal requires you to issue a full refund to the buyer and you do not receive the item back.

You lose both the item and the money if you sell a counterfeit product, incurring a complete financial loss.

"Notwithstanding any other provision of this section Liability for Unauthorized Transactions and Other Errors, if you believe that your assigned account number and routing number have been used to debit your business account without your valid authorization or in an amount that exceeds your authorization (an “Unauthorized/Excess Business Debit”), please telephone us at (888) 221-1161 or contact us through the PayPal Resolution Center by 8:00 PM PT on the Business Day following the Business Day that the Unauthorized/Excess Business Debit is posted to your business account (the “Cutoff Time”). If you do not notify us by the Cutoff Time, you will be responsible for recovering any potential losses directly with the merchant/originator of the Unauthorized/Excess Business Debit."

You must notify PayPal by 8:00 PM PT on the business day following an unauthorized or excess business debit to your account. If you miss this deadline, you are responsible for recovering losses directly from the merchant.

You have a very short window to report unauthorized debits; missing the deadline shifts the burden of recovery and potential financial loss entirely to you.

"As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account."

You grant PayPal a lien and security interest in the funds held in your PayPal account to secure your obligations under the user agreement.

PayPal can seize or hold your funds to cover any obligations you owe them, giving them direct control over your money.

"PayPal’s liability is limited with respect to your PayPal account and your use of the PayPal services. In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services, or this user agreement (however arising, including negligence), unless and to the extent prohibited by law."

PayPal limits its liability for your account and service use, specifically excluding responsibility for lost profits, special, incidental, or consequential damages like data or business loss.

You cannot recover significant financial losses, such as lost profits or business damages, from PayPal even if their service failure causes them.

"The PayPal services are provided “as-is” and without any representation or warranty, whether express, implied or statutory. PayPal specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement."

PayPal provides its services "as-is" without any express, implied, or statutory warranties. PayPal specifically disclaims implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement.

You receive no guarantees about the quality, reliability, or suitability of PayPal's services, meaning you use them at your own risk without legal recourse for defects.

"You and PayPal each agree that any of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative or class proceeding."

You and PayPal agree to resolve disputes only on an individual basis, not through class action or representative proceedings. Arbitrators cannot consolidate claims without mutual agreement.

You lose your right to participate in class action lawsuits against PayPal, forcing you to pursue individual claims which are often more costly and less effective.

"You must indemnify PayPal for actions related to your PayPal account and your use of the PayPal services. You agree to defend, indemnify and hold PayPal harmless from any claim or demand (including reasonable legal fees) made or incurred by any third party due to or arising out of your breach of this user agreement, your improper use of the PayPal services, your violation of any law or the rights of a third party and/or the actions or inactions of any third party to whom you grant permissions to use your PayPal account or access our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, or any of the PayPal services on your behalf."

You must defend and indemnify PayPal against any third-party claims or demands, including legal fees, arising from your breach of the agreement, improper service use, legal violations, or actions by third parties you authorize.

You are financially responsible for PayPal's legal costs and damages if a third party sues them due to your actions or your authorized users' actions.