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Received: from outbound.na.e.paypal.com ([96.47.30.199]:34557) by stodi.digitalkingdom.org with esmtp (Exim 4.80.1) (envelope-from ) id 1VFyWN-0006GV-7k for lojban@lojban.org; Sat, 31 Aug 2013 20:40:22 -0700 DKIM-Signature: v=1; a=rsa-sha1; d=e.paypal.com; s=ED-DKIM-V3; c=simple/simple; q=dns/txt; i=@e.paypal.com; t=1378006809; h=From; bh=i1or9rZWXHQjg2bKZkzjhGPZ/i8=; b=Y6vCyfVuunpcw0lk4AxHTwzvjbZPS6uIzfn4O0syIBM5qgT+Kxmz4ieUAWspS8ey r03nKxDPqA04d3reuE+ud4raKTIk2yDsgShHLhvu+a2u0aAwivWV/L6wVmfpszWK YUJAUvHx7JEzgkqzwACjKfBl1p5KuUOS1XVFyU4l0To=; Received: from [127.0.0.1] ([127.0.0.1:40232]) by bm1-08.bo3.e-dialog.com (envelope-from ) (ecelerity 2.2.2.45 r(34222M)) with ECSTREAM id 88/29-14211-917B2225; Sat, 31 Aug 2013 23:40:09 -0400 Date: Sat, 31 Aug 2013 23:40:09 -0400 Content-Type: text/html; charset=UTF-8 Content-Transfer-Encoding: quoted-printable MIME-Version: 1.0 From: "PayPal" Reply-To: "PayPal" To: lojban@lojban.org Subject: Updated PayPal Annual Privacy and Error Resolution Notice Message-Id: <9173-815-CW49Y6Z-Z342C-NI99U-40SSMZ9-DWJD0O-H-M2-20130827-af35bb0dd23c37f@e-dialog.com> X-Mail-From: CW49Y6Z-Z342C-NI99U-40SSMZ9-DWJD0O-H-M2-20130827-af35bb0dd23c37f@na.e.paypal.com X-Match: na.e.paypal.com X-RCPT-To: lojban@lojban.org X-Mailer: EDMAIL R6.00.02 X-Spam-Score: -2.3 (--) X-Spam_score: -2.3 X-Spam_score_int: -22 X-Spam_bar: -- PayPal


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Dear Robert L= echevalier,

=20=20=20=20=20=20=20=20=20=20=20 Your privacy and trust are important to us, so we want to make s= ure you know what we do to make PayPal the best way to pay and get paid onl= ine. Part of that job is keeping your financial information private.
<= br /> =20=20=20=20=20=20=20=20=20=20=20 Each year we send you a copy of our privacy policy to answer que= stions and explain exactly how we collect, use and protect your information= . Please look it over. You can also view the privacy policy online at any t= ime by clicking the Privacy link at the bottom of any PayPal page.
=20=20=20=20=20=20=20=20=20=20=20 We also want to make sure you know how to report unauthorized tr= ansactions or other errors in payments made using PayPal's services. Please= take a few minutes to review our annual Error Resolution Notice. It explai= ns what to do if you discover an error and outlines your rights for resolvi= ng issues. Please keep a copy for your records. For more information, pleas= e see section 12 of the PayPal User Agreement (Resolution Procedures for Unauthorized Transact= ions and Other Errors).

=20=20=20=20=20=20=20=20=20=20=20 In an electronic world, online privacy and fraud protection are = vital. If you'd like to know more about how to protect yourself, the PayPal= Security Center offers a variety of powerful fraud-fighting tips, tools, a= nd technology. You can find the Security Center by clicking the Security an= d Protection link at the top of any PayPal page or you can contact us with = questions through the Contact Us link at the bottom of any page.

=20=20=20=20=20=20=20=20=20=20=20 Sincerely,

=20=20=20=20=20=20=20=20=20=20=20 =20=20=20=20=20=20=20=20=20=20=20 Tanya Madison Cunningham
Financial Privacy Counsel

=20=20=20=20=20=20=20=20=20=20=20 =20=20=20=20=20=20=20=20=20=20=20 Kevin Thomas
Director Compliance

=20=20=20=20=20=20=20=20=20=20=20 =20=20=20=20=20=20=20=20=20=20=20 Privacy Policy for PayPal Services
Last Update: November 1, 2012

Your Privacy Rights
This Privacy Policy describes your privacy rights regarding our = collection, use, storage, sharing and protection of your personal informati= on. It applies to the PayPal.com website and all related sites, application= s, services and tools regardless of how you access or use them. More detail= ed information about our privacy practices and our contact information for = any questions is available at the eBay Privacy Center.

You accept this Privacy Policy when you sign up for, access, or use our pro= ducts, services, content, features, technologies or functions offered on ou= r website and all related sites, applications, and services (collectively "= PayPal Services"). We may amend this policy at any time by posting a revise= d version on our website. The revised version will be effective at the time= we post it. In addition, if the revised version includes a substantial cha= nge, we will provide you with 30 days=E2=80=99 prior=20 notice by posting notice of the change on the "Policy Updates" page of our = website.

Binding Corporate Rules

In addition to the privacy practices set out in this Privacy Pol= icy, eBay Inc. has established a set of Corporate Rules (also referred to a= s Binding Corporate Rules), approved by a number of European Union privacy = regulators. These Corporate Rules are a commitment by eBay Inc. to adequate= ly protect your personal information regardless of where the data resides, = and depending upon your location, may provide additional privacy rights thr= ough your privacy regulator or government. For=20 more information about our Binding Corporate Rules, including information o= n how to contact us with any questions, visit our eBay Privacy Center.

How we collect information about you

When you visit the PayPal.com website or use PayPal Services, we= collect information sent to us by your computer, mobile phone or other acc= ess device. The information sent to us includes data on the pages you acces= s, your computer IP address, device identifiers, the type of operating syst= em you=E2=80=99re using, your location, mobile network information, standar= d web log data and other information. Web log data includes the browser typ= e you=E2=80=99re using and traffic to and from our site. When=20 you visit the PayPal.com website or use PayPal Services, we also collect in= formation about your transactions and your activities.

In addition, if you open a PayPal account or use PayPal Services= , we may collect the following types of information: =20=20=20=20=20=20=20=20=20=20=20

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&n= bsp; •	Contact information, such as your name, address, phone, email, = and other similar information.

&n= bsp; •	Financial information, such as the full bank account numbers an= d/or credit card numbers that you link to your PayPal account or give us wh= en you use PayPal Services.

&n= bsp; •	Detailed personal information such as your date of birth or soc= ial security number.

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=20=20=20=20=20=20=20=20=20=20=20=20 We may also obtain information about you from third parties such= as credit bureaus and identity verification services.

=20 =20=20=20=20=20=20=20=20=20=20=20 You may choose to provide us with access to certain personal inf= ormation stored by third parties such as social media sites (e.g., Facebook= and Twitter). The information we may receive varies by site and is control= led by that site. By associating an account managed by a third party with y= our PayPal account and authorizing PayPal to have access to this informatio= n, you agree that PayPal may collect, store and use this information in acc= ordance with this Privacy Policy.

In order to help protect you from fraud and misuse of your perso= nal information, we may collect information about your use and interaction = with our website or PayPal Services. For example, we may evaluate your comp= uter, mobile phone or other access device to identify any malicious softwar= e or activity.

We may also collect additional information from or about you in = other ways, such as through contact with our customer support team, results= when you respond to a survey and from interactions with members of the eBa= y Inc. corporate family or other companies.

=20=20=20=20=20=20=20=20=20=20=20 How we use cookies

When you access our website or use PayPal Services, we (includin= g companies we work with) may place small data files on your computer or ot= her device. These data files may be cookies, pixel tags, "Flash cookies," o= r other local storage provided by your browser or associated applications (= "Cookies"). We use these technologies to: recognize you as a customer; cust= omize PayPal Services, content, and advertising; measure promotional effect= iveness; help ensure that your account=20 security is not compromised; mitigate risk and prevent fraud; and to promot= e trust and safety across our sites and PayPal Services.

=20=20=20=20=20=20=20=20=20=20=20 We use both session and persistent Cookies. Session Cookies expire and no l= onger have any effect when you log out of your account or close your browse= r. Persistent Cookies remain on your device until you erase them or they ex= pire.

We encode our Cookies so that we can interpret the information stored in th= em. You are free to decline our Cookies if your browser or browser add-on p= ermits, but doing so may interfere with your use of our website and PayPal = Services. Refer to the help section of your browser, browser extensions, or= installed applications for instructions on blocking, deleting, or disablin= g Cookies.

You may encounter PayPal Cookies on websites that we do not control. For ex= ample, if you view a web page created by a third party or use an applicatio= n developed by a third party, there may be a Cookie placed by the web page = or application. Likewise, these third parties may place their own Cookies t= hat are not subject to our control and the PayPal Privacy Policy does not c= over their use.

How we protect and store personal information

Throughout this policy, we use the term "personal information" to describe = information that can be associated with a specific person and can be used t= o identify that person. We do not consider personal information to include = information that has been made anonymous so that it does not identify a spe= cific user.

We store and process your personal information on our computers in the US a= nd elsewhere in the world where our facilities are located. We protect your= information using physical, technical, and administrative security measure= s to reduce the risks of loss, misuse, unauthorized access, disclosure and = alteration. Some of the safeguards we use are firewalls and data encryption= , physical access controls to our data centers, and information access auth= orization controls.

How we use the personal information we colle= ct

Our primary purpose in collecting personal information is to pro= vide you with a secure, smooth, efficient, and customized experience. We ma= y use your personal information to: =20=20=20=20=20=20=20=20=20=20=20

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&n= bsp; •	provide the PayPal Services and customer support you request;

&n= bsp; •	process transactions and send notices about your transactions;

&n= bsp; •	resolve disputes, collect fees, and troubleshoot problems;

&n= bsp; •	prevent potentially prohibited or illegal activities, and enfor= ce our User Agreement;

&n= bsp; •	customize, measure, and improve the PayPal Services and the con= tent and layout of our website and applications;

&n= bsp; •	deliver targeted marketing, service update notices, and promoti= onal offers based on your communication preferences;

&n= bsp; •	contact you at any telephone number, by placing a voice call or= through text (SMS) or email messaging, as authorized by our User Agreement.

&n= bsp; •	compare information for accuracy and verify it with third parti= es.=20

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=20=20=20=20=20=20=20=20=20=20=20=20 Marketing

We do not sell or rent your personal information to third partie= s for their marketing purposes without your explicit consent. We may combin= e your information with information we collect from other companies and use= it to improve and personalize PayPal Services, content, and advertising. I= f you do not wish to receive marketing communications from us or participat= e in our ad-customization programs, simply indicate your preference by logg= ing into your account and going to the=20 Notification section under the Settings tab and updating your preferences, = or by following the directions that may be provided within the communicatio= n or advertisement.

=20=20=20=20=20=20=20=20=20=20=20 We respect your communication preferences. If you no longer wish to receive= notifications via our application, you can adjust your preferences by visi= ting the settings page of the application.

We may call or text message (SMS) you at a mobile phone number that you hav= e provided to us. You can indicate your contact preferences by logging into= your account and adjusting your preferences in your Account Information Se= ttings or by following the directions provided within the communication.

How we share personal information with other= PayPal users

=20 To process your payments, we may share some of your personal inf= ormation with the person or company that you are paying or that is paying y= ou. Your contact information, date of sign-up, the number of payments you h= ave received from verified PayPal users, and whether you have verified cont= rol of a bank account are provided to other PayPal users who you transact w= ith through PayPal. In addition, this and other information may also be sha= red with third parties when you use these third=20 parties to access the PayPal Services. Unless you have agreed to it, these = third parties are not allowed to use this information for any purpose other= than to enable the PayPal Services.

If you are buying goods or services and pay through PayPal, we may also pro= vide the seller with your shipping and confirmed credit card billing addres= s to help complete your transaction with the seller. The seller is not allo= wed to use this information to market their services to you unless you have= agreed to it. If an attempt to pay your seller fails, or is later invalida= ted, we may also provide your seller with details of the unsuccessful payme= nt. To facilitate dispute resolutions, we may=20 provide a buyer with the seller's address so that goods can be returned to = the seller.

We work with third parties, including merchants, to enable them to accept o= r facilitate payments from or to you using PayPal. In doing so, a third par= ty may share information about you with us, such as your email address or m= obile phone number to inform you that a payment is sent to you or when you = attempt to pay that merchant or through that third party. We use this infor= mation to confirm that you are a PayPal customer and that PayPal as a form = of payment can be enabled, or where a payment is=20 sent to you to send you notification that you have received a payment. Also= , if you request that we validate your status as a PayPal customer with a t= hird party, we will do so. Please note that merchants you buy from and cont= ract with have their own privacy policies, and PayPal may not be held respo= nsible for their operations, including, but not limited to, their informati= on practices.

Regardless, we will not disclose your credit card number or bank account nu= mber to anyone you have paid or who has paid you through PayPal or with the= third parties that offer or use the PayPal Services, except with your expr= ess permission or if we are required to do so to comply with a credit card = rules, subpoena or other legal process.

How we share personal information with other= parties

To process your payments, we may share some of your personal inf= ormation with the person or company that you are paying or that is paying y= ou. Your contact information, date of sign-up, the number of payments you h= ave received from verified PayPal users, and whether you have verified cont= rol of a bank account are provided to other PayPal users with whom who you = transact through PayPal. In addition, this and other information may also b= e shared with third parties when you use these=20 third parties to access PayPal Services. Unless you have agreed to it, thes= e third parties are not allowed to use this information for any purpose oth= er than to enable PayPal Services.

=20=20=20=20=20=20=20=20=20=20=20 If someone is sending you money and enters your email address, we will prov= ide them your registered name so they can verify they are sending the money= to the correct account.

If you are buying goods or services and pay through PayPal, we may also pro= vide the seller with your shipping and billing address to help complete you= r transaction. The seller is not allowed to use this information to market = their services to you unless you have agreed to it. If an attempt to pay yo= ur seller fails, or is later invalidated, we may also provide your seller w= ith details of the unsuccessful payment. To facilitate dispute resolution, = we may provide a buyer with the seller=E2=80=99s address=20 so that goods can be returned to the seller.

We work with third parties, including merchants, to enable them to accept o= r send payments from or to you using PayPal. In doing so, a third party may= share information about you with us, such as your email address or mobile = phone number, to inform you that a payment has been sent to you or when you= attempt to pay a merchant or third party. We use this information to confi= rm that you are a PayPal customer and that PayPal as a form of payment can = be enabled, or to send you notification of=20 payment status. Also, if you request that we validate your status as a PayP= al customer with a third party, we will do so.

Please note that merchants, sellers, and users you buy from or contract wit= h have their own privacy policies, and although PayPal=E2=80=99s user agree= ment does not allow the other transacting party to use this information for= anything other than providing PayPal Services, PayPal is not responsible f= or their actions, including their information protection practices.
Regardless, we will not disclose your credit card number or bank account nu= mber to anyone you have paid or who has paid you using PayPal, or with the = third parties that offer or use PayPal Services, except with your express p= ermission or if we are required to do so to comply with credit card rules, = a subpoena, or other legal process.

Using PayPal Access

PayPal Access is a tool we=E2=80=99ve developed to improve your = Internet experience. PayPal Access allows you to streamline and simplify th= e account creation and login process when using third-party websites, and i= t allows these websites to enhance your experience on their sites. Instead = of creating multiple usernames and passwords for each website you visit, Pa= yPal Access allows you to sign in to a participating website using your exi= sting PayPal login information. When you use PayPal=20 Access, you agree that PayPal can share the information listed on the PayPa= l Access consent screen or in your PayPal Access account settings with the = participating website. Information you allow PayPal to share with these thi= rd-party websites is subject to each third-party=E2=80=99s terms of service= and privacy agreement, so you are encouraged to review their policies.
=20=20=20=20=20=20=20=20=20=20=20 =20=20=20=20=20=20=20=20=20=20=20 =20=20=20=20=20=20=20=20 How you can restrict PayPal from sharing you= r personal information

PayPal maintains your preferences for use and sharing of informa= tion, including how we contact you. Some federal and state laws allow you t= o restrict the sharing of your personal information in certain instances. P= ayPal does not share your personal information with third parties for their= marketing purposes unless you have given your explicit consent. PayPal's r= elated family of companies, which are owned by eBay Inc., will only use you= r personal information for marketing purposes=20 if you have requested services from those companies. If you do not want Pay= Pal to share your personal information with eBay companies for the purpose = of marketing their products within our corporate family, simply indicate yo= ur preference by logging into your account, going to the Notification secti= on under the Settings tab and updating your preferences.

How you can access or change your personal i= nformation

You can review and edit your personal information at any time by= logging in to your account and reviewing your account settings and profile= . You can also close your account through the PayPal website. If you close = your PayPal account, we will mark your account in our database as "Closed,"= but may retain personal information from your account to collect any fees = owed, resolve disputes, troubleshoot problems, assist with any investigatio= ns, prevent fraud, enforce our User Agreement,=20 or take other actions as required or permitted by law.

How you can contact us about privacy questio= ns

If you have questions or concerns regarding this policy, you sho= uld contact us by using this form or writing to us at PayPal, Attn: Privacy Department, P.O. B= ox 45950, Omaha, NE 68145-0950. PayPal maintains offices at 2211 N. First S= treet, San Jose, CA.

PayPal has been awarded TRUSTe's Privacy Seal signifying that th= is privacy policy and practices have been reviewed by TRUSTe for compliance= with TRUSTe's program requirements including transparency, accountability a= nd choice regarding the collection and use of your personal information. If= after contacting PayPal our response to your privacy concern is unsatisfac= tory, then you may contact TRUSTe by completing the form located at http://watchdog.truste.com/pvr.php?page=3Dcomplaint.

=20=20=20=20=20=20=20=20=20=20=20 Please note that TRUSTe is a privacy solutions provider, and wil= l not be able to assist with other types of issues with your account, such = as balances or order fulfillment. In addition, the TRUSTe program covers on= ly information that is collected through this website, www.paypal.com and d= oes not cover information that may be collected through our mobile applicat= ions or downloadable software. =20=20=20=20=20=20=20=20=20=20=20

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=20=20=20=20=20=20=20=20=20=20=20 ANNUAL ERROR RESOLUTION NOTICE
=20=20=20=20=20=20=20=20=20=20=20 The purpose of this notice is to provide you with important info= rmation about reporting errors in payments made using PayPal's services. Yo= u should keep this notice for future reference.

=20=20=20=20=20=20=20=20=20=20=20 What to do About Questions or Errors with = Your Transactions.

=20=20=20=20=20=20=20=20=20=20=20 You should notify PayPal as soon as you can if you believe: =20=20=20=20=20=20=20=20=20=20=20

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&n= bsp; •	your account statement (you can access your account statement by logging= into your account) or your transaction confirmation (which is sent to you via email)= is wrong;

&n= bsp; •	you need more information about a transaction listed on the statement or= transaction confirmation; or

&n= bsp; •	there has been an unauthorized transaction, other error or unauthorized = access to your PayPal account.

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=20=20=20=20=20=20=20=20=20=20=20 You must notify us no later than 60 days after the error first a= ppears in your account statement. We will extend the 60-day time period if = a good reason, such as a hospital stay, prevented you from notifying us wit= hin 60 days.

For any type of error, you can telephone PayPal Customer Service at (402) 9= 38-3614. You can also notify us in writing or online by following the instr= uctions below.

If the transaction does not involve= a PayPal debit card, notify us by either:

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&n= bsp; •	Using the form available in the PayPal Resolution Center https://www.paypal.com/cgi-bin/marketingweb?cmd=3D_complaint-view&nav=3D0.= 4 to file an unauthorized transaction report, or

&n= bsp; •	Writing to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Om= aha, NE 68145-0950.

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=20=20=20=20=20=20=20=20=20=20=20 If the transaction involves your PayPal de= bit card, notify us by either: =20=20=20=20=20=20=20=20=20=20=20

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&n= bsp; •	Logging into your PayPal account, going to the "Account Overview" page a= nd selecting the transaction details for the transaction you wish to dispute. T= hen follow the directions provided for disputing the transaction; or=20

&n= bsp; •	Mailing the Written Statement of Disputed PayPal ATM/Debit Card Transact= ions Form or other notice to PayPal, Attn: PayPal Debit Card Department, P.O. Box= 45950, Omaha, NE 68145-0950, or faxing it to 303-395-2855. A link to the form can be found = with the directions provided for disputing the transaction as noted above.

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=20=20=20=20=20=20=20=20=20=20=20 If you notify us orally, we may request that you send us your co= mplaint or question in writing (by following the notification procedures de= scribed in the paragraphs above) within 10 business days of providing us th= e oral notice.

=20 =20=20=20=20=20=20=20=20=20=20=20 When you notify us (orally or in writing), provide us with the f= ollowing information: =20=20=20=20=20=20=20=20=20=20=20

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&n= bsp; •	Your name and email address you used to register your account, and

&n= bsp; •	A description of the suspected unauthorized transaction or other error a= nd an explanation as to why you believe it is incorrect or why you need more informati= on to identify the transaction, and

&n= bsp; •	The date and dollar amount of the suspected unauthorized transaction or = other error.

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=20=20=20=20=20=20=20=20=20=20=20 During the course of our investigation, we may request additiona= l information from you.

Once you notify us of a suspected error, we will investigate your complaint= or question within 10 business days (or up to 20 business days for new acc= ounts =E2=80=93 accounts that have 30 days or fewer since the date of their= first transaction). If we need more time, we may take up to 45 days to com= plete our investigation (or up to 90 days for new accounts, point of sale o= r foreign initiated transactions).

If we decide that we need more time to complete our investigation (as expla= ined directly above), we will provisionally credit your account for the amo= unt of the suspected error. You will receive the provisional credit within = 10 business days of the date we received your notice (20 business days for = new accounts). This will allow you to have use of the money until we comple= te the investigation. If we ask you to put your complaint or question in wr= iting and we do not receive your written=20 complaint or question within 10 business days (or 20 for new accounts), we = will not provisionally credit your account.

We will inform you of our decision within three business days after complet= ing our investigation. If we determine that there was an error, we will pro= mptly correct the error. If you have already received a provisional credit,= you will be allowed to retain those funds. If we decide that there was not= an error, we will include an explanation of our decision in our email to y= ou. If you received a provisional credit, we will remove it from your accou= nt. You may request copies of the documents that=20 we used in our investigation.

For this purpose, our "business days" are Monday through Friday. Holidays a= re not included as business days.=20

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	Please do not reply to this email. We are u= nable to respond to inquiries sent to this address. For immediate answers t= o your questions, visit our Help Center by clicking "Help" located on any P= ayPal page or email. Copyright © 2013 PayPal Inc. All rights reserved. PayPal is located at= 2211 N. First St., San Jose, CA 95131.

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