Privacy Policy

1. What Personal Data Do We Collect?

We may collect information about you when you visit our Sites or use our Services, including the following:

  • Registration and use information – When you register to use our Services by establishing an Account, we will collect Personal Data as necessary to offer and fulfill the Services you request.  Depending on the Services you choose, we may require you to provide us with your name, postal address, telephone number, email address and identification information to establish an Account.  We may require you to provide us with additional Personal Data as you use our Services.
  • Transaction and experience information – When you use our Services or access our Sites, for example, to make purchases from merchants, to receive money, to process payments, or to send money to friends and family, we collect information about the transaction, as well as other information associated with the transaction such as amount sent or requested, amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geolocation Information.
  • Participant information – When you use our Services or access our Sites, we collect Personal Data you provide us about the other participants associated with the transaction.
    • Send or request money:  When you send or request money through the Services, we collect Personal Data such as name, postal address, telephone number, and financial account information about the participant who is receiving money from you or sending money to you.  The extent of Personal Data required about a participant may vary depending on the Services you are using to send or request money.
    • Pay or request someone else to pay a bill:  If you use our Services to pay a bill for the benefit of someone else, or if you request a User to pay a bill for you, we collect Personal Data from you about the account holder such as name, postal address, telephone number, email address, and account number of the bill that you intend to pay or request to be paid.
    • Add value to your accounts:  If you use our Services to add value to your Account or any other account you may have, or if you ask a User to add value to any of these accounts, we may collect Personal Data from you about the other party, or from the other party about you to facilitate the request.  For example, if you use our Services to reload a mobile phone, or to request value be added to your mobile account, we may collect Personal Data and other information including mobile account number from the other participant.
  • Information about your friends and contacts – It may be easier for us to help you transact with your friends and contacts if you provide Personal Data such as name, email address and telephone number about your friends and contacts while using a Service or if you connect your contact list or friend list to your Account.  If you choose to connect your contact list information on your device with your Account and/or establish an account connection between a social media platform and your Account, we will collect and use your contact list or friend list information to improve your experience when you use the Services.
  • Information that you choose to provide us to obtain additional Services or specific online Services – If you request or participate in an optional Site feature, or request enhanced Services or other elective functionality, we may collect additional information from you.  We will provide you with a separate notice at the time of collection, if the use of that information differs from the uses disclosed in this Privacy Policy.
  • Information about you if you transact as a guest – Certain limited Services are available without being required to log in to or establish an Account, also referred to as Guest Transactions.  We will collect Personal Data, information about any funding instrument used to complete a Guest Transaction, Device Information, Technical Usage Data, and Geolocation Information as necessary to provide the requested Guest Transactions.  If you are an Account holder and choose to make a Guest Transaction, we will collect information about the transaction and may associate it with your Account.  If you are not an Account holder and choose to make a Guest Transaction, we will collect and store all information you provide and use and share such information in accordance with this Privacy Policy.
  • Information about you from third-party sources – We obtain information from third-party sources such as merchants, data providers, and credit bureaus, where permitted by law.
  • Other information we collect related to your use of our Sites or Services – We may collect additional information from or about you when you communicate with us, contact our customer support teams or respond to a survey.

2. How Do We Process Personal Data?

We may Process your information for the following reasons:

  • To operate the Sites and provide the Services, including to:
    • initiate a payment, send or request money, add value to an account, or pay a bill;
    • authenticate your access to an Account;
    • communicate with you about your Account, the Sites, the Services, or PayPal;
    • create an account connection between your Account and a third-party account or platform; and
    • perform creditworthiness and other financial standing checks, evaluate applications, and compare information for accuracy and verification purposes.
  • To manage our business needs, such as monitoring, analyzing, and improving the Services and the Sites’ performance and functionality.  For example, we analyze User behavior and perform research about the way you use our Services.
  • To manage risk and protect the Sites, the Services and you from fraud by verifying your identity, and helping to detect and prevent fraud and abuse of the Sites or Services.
  • To market to you by delivering marketing materials about PayPal products and online Services and the products and services of unaffiliated businesses.  We may also Process your Personal Data to tailor certain Services or Site experiences to better match our understanding of your interests.
  • To provide you with location-specific options, functionality or offers if you elect to share your Geolocation Information through the Services.  We will use this information to enhance the security of the Sites and Services and provide you with location-based Services, such as advertising, search results, and other personalized content.
  • To comply with our obligations and to enforce the terms of our Sites and Services, including to comply with all applicable laws and regulations.
  • To make it easier for you to find and connect with others, we may use your information you have shared with the Service to suggest connections between you and people you may know.  For example, we may associate information that we learn about you through your and your contacts’ use of the Services, and information you and others provide to suggest people you may know or may want to transact with through our Services.  Social functionality and features designed to simplify your use of the Services with others vary by Service. 

To respond to your requests, for example to contact you about a question you submitted to our customer service  or sales  team.

3. How Do We Use Cookies and Tracking Technologies?

When you visit our Sites, use our Services, or visit a third-party website for which we provide online Services, we and our business partners and vendors may use cookies and other tracking technologies (collectively, “Cookies”) to recognize you as a User and to customize your online experiences, the Services you use, and other online content and advertising; measure the effectiveness of promotions and perform analytics; and to mitigate risk, prevent potential fraud, and promote trust and safety across our Sites and Services.  Certain aspects and features of our Services and Sites are only available through the use of Cookies, so if you choose to disable or decline Cookies, your use of the Sites and Services may be limited or not possible.

Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties.  We do not respond to DNT signals.

4.What Privacy Choices Are Available To You?

You have choices when it comes to the privacy practices and communications described in this Privacy Policy.  Many of your choices may be explained at the time you sign up for or use a Service or in the context of your use of a Site.  You may be provided with instructions and prompts within the experiences as you navigate the Services.  

  • Choices Relating to the Personal Data We Collect
    • Personal Data.  You may decline to provide Personal Data when it is requested by PayPal, but certain Services or all of the Services may be unavailable to you. 
    • Location and other device-level information.  The device you use to access the Sites or Services may collect information about you, including Geolocation Information and User usage data that PayPal may then collect and use.  For information about your ability to restrict the collection and use of such information, please use the settings available in the device.
       
  • Choices Relating to Our Use of Your Personal Data
    • Personalized Services offered by PayPal/ others  on third-party websites and services.  You may manage your preferences for other PayPal Services that are personalized and offered to you on third-party websites from your Account.  We may also provide you with instructions and prompts on how to manage your preferences within the Service experience.
    • Finding and connecting with others.  If available, you may manage your preferences for finding and connecting with others from your account of the Service you use.
       
  • Choices Relating to Account Connections
    • If you authorize an account connection to a third-party account or platform, such as a social media account, you may be able to manage your connection preferences from your Account or the third-party account or platform.  Please refer to the privacy notice that governs the third-party platform for more information on the choices you may have.
       
  • Choices Relating to Cookies
  • You may have options available to manage your cookies preferences.  For example, your browser or internet device may allow you delete, disable, or block certain cookies and other tracking technologies.  You can learn more by visiting AboutCookies.org.  You may choose to enable these options, but doing so may prevent you from using many of the core features and functions available on a Service or Site.
  • You may have an option regarding the use of cookies and other tracking technologies when you use a Service or visit parts of a Site.  For example, you may be asked if you want the Service or Site to “remember” certain things about you, and we will use cookies and other tracking technologies to the extent that you permit them.
  • You can learn more about our cookies and tracking technologies by visiting the Statement on Cookies and Tracking Technologies page.
  • Choices Relating to Your Registration and Account Information
    • If you have an Account, you generally may review and edit Personal Data by logging in and updating the information directly or by contacting us.  Contact us if you do not have an Account or if you have questions about your Account information or other Personal Data.
       
  • Choices Relating to Communication
    • Notices, Alerts and Updates from Us:  
      • Marketing: We may send you marketing content about our Sites, Services, products, products we jointly offer with financial institutions, as well as the products and services of unaffiliated third parties and members of the PayPal corporate family through various communication channels, for example, email, text, pop-ups, push notifications, and messaging applications.  You may opt out of these marketing communications by following the instructions in the communications you receive.  If you have an Account with us, you may also adjust your communication preferences in your Account settings.  For messages sent via push notifications, you may manage your preferences in your device.
      • Informational and Other: We will send communications to you that are required or necessary to send to Users of our Services, notifications that contain important information and other communications that you request from us.  You may not opt out of receiving these communications.  However, you may be able to adjust the media and format through which you receive these notices.

5. How Do We Protect Your Personal Data?

We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration.  The security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls.  While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current.  We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized.