Received: from nobody by stodi.digitalkingdom.org with local (Exim 4.80.1) (envelope-from ) id 1VBMTC-0004vJ-Sq for lojban-newreal@lojban.org; Mon, 19 Aug 2013 03:13:55 -0700 Received: from outbound.na.e.paypal.com ([96.47.30.211]:37751) by stodi.digitalkingdom.org with esmtp (Exim 4.80.1) (envelope-from <20O5A3B-XF681-C24FT-WLXXO8W-8ZYAOX-M-M2-20130815-8a50fa07dbd1e04@na.e.paypal.com>) id 1VBMT0-0004u3-AB for lojban@lojban.org; Mon, 19 Aug 2013 03:13:53 -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=1376907214; h=From; bh=avbwWxwMrTib8vp380ay8YDj0Xo=; b=KDzKWPfJJYleCuOIKAreY79bKpGShWOcj/8laU/dT7NfiK93IfIyHpPcbkg/PBef ElBR2d4yoySOIHYDXki874ol0Wlxza/ZuNUJEjB8ui0XCMGHuyDruwIdMBXoCUgQ kngJH6QAAB2Q4hUNw5Re4196tYpP9CAsHdzAlZaoH3g=; Received: from [127.0.0.1] ([127.0.0.1:36671]) by bm1-08.bo3.e-dialog.com (envelope-from <20O5A3B-XF681-C24FT-WLXXO8W-8ZYAOX-M-M2-20130815-8a50fa07dbd1e04@na.e.paypal.com>) (ecelerity 2.2.2.45 r(34222M)) with ECSTREAM id BB/17-04253-DCFE1125; Mon, 19 Aug 2013 06:13:33 -0400 Date: Mon, 19 Aug 2013 06:13:33 -0400 Content-Type: multipart/alternative; boundary="-_-_-_-_-_1234567890" Content-Transfer-Encoding: binary MIME-Version: 1.0 From: "PayPal" Reply-To: "PayPal" To: lojban@lojban.org Subject: PayPal Annual Privacy and Error Resolution Notice Message-Id: <14490-747-20O5A3B-XF681-C24FT-WLXXO8W-8ZYAOX-M-M2-20130815-8a50fa07dbd1e04@e-dialog.com> X-Mail-From: 20O5A3B-XF681-C24FT-WLXXO8W-8ZYAOX-M-M2-20130815-8a50fa07dbd1e04@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: -8.9 (--------) X-Spam_score: -8.9 X-Spam_score_int: -88 X-Spam_bar: -------- This is a multi-part message in MIME format... ---_-_-_-_-_1234567890 Content-Type: text/plain; charset=UTF-8 Content-Disposition: inline Content-Transfer-Encoding: quoted-printable View online https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/XFO1Y/MF/t?a=3D= 20O5A3B&b=3DXF681&c=3DSG8EKC8&d=3DEWTTQIL&e=3D1&f=3Dd1eb48916032c0c30925 =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D PayPal =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D =20 Dear Robert Lechevalier, Your privacy and trust are important to us, so we want to make sure you kno= w what we do to make PayPal the best=20 way to pay and get paid online. Part of that job is keeping your financial = information private. Each year we send you a copy of our privacy policy to answer questions and = explain exactly how we collect,=20 use and protect your information. Please look it over. You can also view th= e privacy policy online at any time=20 by clicking the Privacy link at the bottom of any PayPal page. We also want to make sure you know how to report unauthorized transactions = or other errors in payments made=20 using PayPal's services. Please take a few minutes to review our annual Err= or Resolution Notice. It explains what to=20 do if you discover an error and outlines your rights for resolving issues. = Please keep a copy for your records. For more=20 information, please see section 12 of the PayPal User Agreement (Resolution= Procedures for Unauthorized Transactions and Other Errors). https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/SQHFW/MF/t In an electronic world, online privacy and fraud protection are vital. If y= ou'd like to know more about how to protect yourself,=20 the PayPal Security Center offers a variety of powerful fraud-fighting tips= , tools, and technology. You can find the Security=20 Center by clicking the Security and Protection link at the top of any PayPa= l page or you can contact us with questions through=20 the Contact Us link at the bottom of any page. Sincerely, Dan Oseran Privacy Counsel Kevin Thomas Director Compliance Privacy Policy for PayPal Services Last Update: April 1, 2012 This policy describes the ways we collect, store, use and protect your pers= onal information. You accept this Privacy Policy=20 when you sign up for or use our products, services or any other features, t= echnologies or functionalities offered by us on our=20 website, application or through any other means (collectively the "PayPal S= ervices"). We may amend this policy at any time by=20 posting a revised version on our website. The revised version will be effec= tive at the time we post it. In addition, if the revised=20 version includes a substantial change, we will provide you with 30 days' pr= ior notice by posting notice of the change=20 on the "Policy Updates" page of our website. Binding Corporate Rules In addition to the privacy practices set out in this Privacy Policy, eBay I= nc. has established a set of Corporate Rules (also referred to as Binding= =20 Corporate Rules), approved by a number of European Union privacy regulators= . These Corporate Rules are a commitment by eBay Inc. to=20 adequately protect your personal information regardless of where the data r= esides, and depending upon your location, may provide additional=20 privacy rights through your privacy regulator or a court. If you would like= additional information regarding the Corporate Rules contact us via the co= ntact details below. How we collect information about you When you visit the PayPal website or use the PayPal Services or PayPal appl= ication, we collect information sent to us by=20 your computer, mobile phone or other access device. This information may in= clude your IP address, device information=20 including but not limited to identifier, name and type, operating system, l= ocation, mobile network information and standard=20 web log information, such as your browser type, traffic to and from our sit= e and the pages you accessed on our website. If you open an account or use the PayPal Services, we may collect the follo= wing types of information:=20 -Contact information - your name, address, phone, email, Skype ID and other= similar information.=20 -Financial information - the full bank account numbers and/or credit card n= umbers that you link to=20 your PayPal account or give us when you use the PayPal Services.=20 Before permitting you to use the PayPal Services, we may require you to pro= vide additional information we can use to=20 verify your identity or address or manage risk, such as your date of birth,= social security number or other information.=20 We may also obtain information about you from third parties such as credit = bureaus and identity verification services. When you use the PayPal Services, we collect information about your transac= tions and your other activities on our website,=20 application or when using the PayPal Services and we may collect informatio= n about your computer or other access device=20 for fraud prevention purposes.=20 You may choose to provide us with access to certain personal information st= ored by third parties such as social media sites=20 (such as Facebook and Twitter). The information we have access to varies by= site and is controlled by your privacy settings=20 on that site and your authorization. By associating an account managed by a= third party with your PayPal account and authorizing=20 PayPal to have access to this information, you agree that PayPal may collec= t, store and use this information in accordance with this Privacy Policy. In order to help protect you from fraud and misuse of your personal informa= tion, we may collect information about your use and=20 interaction with our website, application or the PayPal Services. For examp= le, we may evaluate your computer, mobile phone or other=20 access device to identify any malicious software or activity that may affec= t the availability of the PayPal Services. Finally, we may collect additional information from or about you in other w= ays such as contacts with our customer support team or=20 results when you respond to a survey and from interactions with members of = the eBay Inc. corporate family, and from other companies. How we use cookies When you access our website or content or use our application or the PayPal= Services, we or companies we work with, may place small data=20 files called cookies or pixel tags on your computer or other device. We use= these technologies to recognize you as a PayPal customer, customize=20 the PayPal Services, content and advertising, measure promotional effective= ness, collect information about your computer or other access device=20 to mitigate risk, help prevent fraud and promote trust and safety.=20 We use both session and persistent cookies when you access our website or c= ontent. Session cookies expire and no longer have any effect when=20 you log out of your account or close your browser. Persistent cookies remai= n on your browser until you erase them or they expire.=20 We also use Local Shared Objects, commonly referred to as "Flash cookies", = to help ensure that your account security is not compromised, to spot=20 irregularities in behavior to help prevent fraud and to support our sites a= nd services.=20 We encode our cookies so that only we can interpret the information stored = in them. You are free to decline our cookies if your browser or browser=20 add-on permits, but doing so may interfere with your use of our website. Th= e help section of most browsers or browser add-ons provides instructions=20 on blocking, deleting or disabling cookies.=20 You may encounter PayPal cookies or pixel tags on websites that we do not c= ontrol. For example, if you view a web page created by a third party or use= =20 an application developed by a third party, there may be a cookie or pixel t= ag placed by the web page or application. Likewise, these third parties may= place=20 cookies or pixel tags that are not subject to our control and the PayPal Pr= ivacy Policy does not cover their use.=20 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=20 identify that person. We do not consider personal information to include in= formation that has been anonymized so that it does not identify a specific = user.=20 We store and process your personal information on our computers in the US a= nd elsewhere in the world where PayPal facilities or our service providers = are=20 located, and we protect it by maintaining physical, electronic and procedur= al safeguards in compliance with applicable US federal and state regulation= s. We=20 use computer safeguards such as firewalls and data encryption, we enforce p= hysical access controls to our buildings and files, and we authorize access= to=20 personal information only for those employees who require it to fulfill the= ir job responsibilities.=20 How we use the personal information we collect Our primary purpose in collecting personal information is to provide you wi= th a secure, smooth, efficient, and customized experience. We may use your = personal information to:=20 -provide the PayPal Services and customer support you request;=20 -process transactions and send notices about your transactions;=20 -resolve disputes, collect fees, and troubleshoot problems;=20 -prevent potentially prohibited or illegal activities, and enforce our User= Agreement;=20 -customize, measure, and improve the PayPal Services and the content and la= yout of our website and applications;=20 -deliver targeted marketing, service update notices, and promotional offers= based on your communication preferences;=20 -compare information for accuracy and verify it with third parties.=20 Marketing We don't sell or rent your personal information to third parties for their = marketing purposes without your explicit consent. We may combine your infor= mation=20 with information we collect from other companies and use it to improve and = personalize the PayPal Services, content and advertising. If you don't wish= to receive=20 marketing communications from us or participate in our ad-customization pro= grams, simply indicate your preference by logging into your account and goi= ng to=20 the Profile subtab under the My Account tab and adjusting your preferences = under Account Information, or by following the directions provided with the= =20 communication or advertisement.=20 If you no longer wish to receive notifications via our application, you can= adjust your preferences by visiting the settings page of the application.= =20 You can opt out of receiving SMS messages by texting STOP to the number we = send from for that particular service. Alternatively, you can indicate=20 your preference by logging into your account and adjusting your preferences= under Account Information or by following the directions provided=20 with the communication. How we share personal information with other PayPal users To process your payments, we may share some of your personal information wi= th the person or company that you are paying or that is paying you.=20 Your contact information, date of sign-up, the number of payments you have = received from verified PayPal users, and whether you have verified=20 control of a bank account are provided to other PayPal users who you transa= ct with through PayPal. In addition, this and other information may=20 also be shared with third parties when you use these third parties to acces= s the PayPal Services. Unless you have agreed to it, these third parties=20 are not allowed to use this information for any purpose other than to enabl= e the PayPal Services.=20 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=20 address to help complete your transaction with the seller. The seller is no= t allowed to use this information to market their services to you unless=20 you have agreed to it. If an attempt to pay your seller fails, or is later = invalidated, we may also provide your seller with details of the unsuccessf= ul=20 payment. To facilitate dispute resolutions, we may provide a buyer with the= seller's address so that goods can be returned to the seller.=20 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=20 may share information about you with us, such as your email address or mobi= le phone number to inform you that a payment is sent to you or when=20 you attempt to pay that merchant or through that third party. We use this i= nformation to confirm that you are a PayPal customer and that PayPal as a= =20 form of payment can be enabled, or where a payment is sent to you to send y= ou notification that you have received a payment. Also, if you request=20 that we validate your status as a PayPal customer with a third party, we wi= ll do so. Please note that merchants you buy from and contract with have=20 their own privacy policies, and PayPal may not be held responsible for thei= r operations, including, but not limited to, their information practices.= =20 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=20 the third parties that offer or use the PayPal Services, except with your e= xpress permission or if we are required to do so to comply with a credit ca= rd=20 rules, subpoena or other legal process.=20 How we share personal information with other parties We may share your personal information with:=20 -Members of the eBay Inc. corporate family -- like eBay, Shopping.com or Bi= ll Me Later, Inc.-- to provide joint content, products and services=20 (like registration, transactions and customer support), to help detect and = prevent potentially illegal acts and violations of our policies, and to=20 guide decisions about their products, services and communications. Members = of our corporate family will use this information to send you=20 marketing communications only if you have requested their services.=20 -Service providers under contract who help with parts of our business opera= tions such as fraud prevention, bill collection, marketing and technology= =20 services. Our contracts dictate that these service providers only use your = information in connection with the services they perform for us and not for= their own benefit.=20 -Financial institutions that we partner with to jointly create and offer a = product such as the PayPal Extras credit card where we share information=20 with GE Capital to determine whether you should receive pre-approved offers= for the PayPal Extras credit card. These financial institutions may=20 only use this information to market PayPal-related products, unless you hav= e given consent for other uses.=20 -Credit bureaus to report account information, as permitted by law.=20 -Banking partners as required by credit card association rules for inclusio= n on their list of terminated merchants (in the event that you meet their= =20 criteria which includes having PayPal close your PayPal Account due to your= breach of the PayPal User Agreement).=20 -Companies that we plan to merge with or be acquired by. (Should such a com= bination occur, we will require that the new combined entity follow=20 this privacy policy with respect to your personal information. If your pers= onal information could be used contrary to this policy, you will receive pr= ior notice.)=20 -Law enforcement, government officials, or other third parties when=20 -we are compelled to do so by a subpoena, court order or similar legal proc= edure=20 -we need to do so to comply with law or credit card rules=20 -we believe in good faith that the disclosure of personal information is ne= cessary to prevent physical harm or financial loss, to report=20 suspected illegal activity or to investigate violations of our User Agreeme= nt.=20 -Other third parties with your consent or direction to do so.=20 PayPal will not sell or rent any of your personal information to third part= ies for their marketing purposes=20 and only shares your personal information with third parties as described i= n this policy.=20 If you open a PayPal account directly on a third party website or via a thi= rd party application, any information that=20 you enter on that website or application (and not directly on a PayPal webs= ite) will be shared with the owner of the third=20 party website or application and your information may be subject to their p= rivacy policies.=20 How you can restrict PayPal from sharing your personal information Federal and state laws allow you to restrict the sharing of your personal i= nformation in certain instances. However,=20 these laws also state that you cannot restrict other types of sharing. Beca= use we have chosen to refrain from certain=20 types of data sharing, the only type of sharing of your personal informatio= n that you may restrict is as follows:=20 If you do not want PayPal to share your personal information with eBay comp= anies for the purpose of marketing their products=20 or with other financial institutions for the purpose of marketing our joint= ly offered products to you, please log in to your=20 account and uncheck the box in the Information Sharing section of the Notif= ications and Information Sharing page. This=20 page can be accessed by going to the Profile subtab under the My Account ta= b.=20 You can also control how we use your contact information to market the PayP= al Services to you in the notifications preferences.=20 How you can access or change your personal information You can review and edit your personal information at any time by logging in= to your account and clicking the Profile subtab under the=20 My Account tab. You can also close your account through the PayPal website.= If you close your PayPal account, we will mark your account=20 in our database as "Closed," but will keep your account information in our = database. This is necessary in order to deter fraud, by ensuring=20 that persons who try to commit fraud will not be able to avoid detection si= mply by closing their account and opening a new account.=20 However, if you close your account, your personally identifiable informatio= n will not be used by us for any further purposes, nor sold or=20 shared with third parties, except as necessary to prevent fraud and assist = law enforcement, as required by law or in accordance with this Privacy Poli= cy.=20 How you can contact us about privacy questions If you have questions or concerns regarding this policy, you should contact= us by using this form or writing to us at=20 PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha, NE 68145-0950. Pay= Pal maintains offices at 2211 N. First Street, San Jose, CA. https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/3LZ8F/MF/t PayPal has been awarded TRUSTe's Privacy Seal signifying that this privacy = policy and practices have been reviewed by TRUSTe for compliance=20 with TRUSTe's program requirements including transparency, accountability a= nd choice regarding the collection and use of your personal information.=20 https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/3LZ8N/MF/t If after contacting PayPal our response to your privacy concern is unsatisf= actory, then you may contact TRUSTe by completing the form located at: https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/VJ8PE/MF/t The TRUSTe program covers only information that is collected through this W= eb site, www.paypal.com and does not cover information that may be=20 collected through our mobile applications or downloadable software.=20 ---------------------------------------------------------------------------= ----- ANNUAL ERROR RESOLUTION NOTICE The purpose of this notice is to provide you with important information abo= ut reporting errors in payments made using PayPal's services.=20 You should keep this notice for future reference.=20 What to do About Questions or Errors with Your Transactions. You should notify PayPal as soon as you can if you believe:=20 -your account statement (you can access your account statement by logging i= nto your account) or your transaction confirmation (which is sent to you vi= a email) is wrong;=20 -you need more information about a transaction listed on the statement or t= ransaction confirmation; or=20 -there has been an unauthorized transaction, other error or unauthorized ac= cess to your PayPal account.=20 You must notify us no later than 60 days after the error first appears in y= our account statement. We will extend the 60-day time period=20 if a good reason, such as a hospital stay, prevented you from notifying us = within 60 days.=20 For any type of error, you can telephone PayPal Customer Service at (402) 9= 38-3614. You can also notify us in=20 writing or online by following the instructions below.=20 If the transaction does not involve a PayPal debit card, notify us by eithe= r:=20 -Using the form available in the PayPal Resolution Center to file an unauth= orized transaction report, or=20 https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/7G4CT/MF/t -Writing to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omah= a, NE 68145-0950.=20 If the transaction involves your PayPal debit card, notify us by either:=20 -Logging into your PayPal account, going to the "Account Overview" page and= selecting the transaction details for the transaction=20 you wish to dispute. Then follow the directions provided for disputing the = transaction; or=20 -Mailing the Written Statement of Disputed PayPal ATM/Debit Card Transactio= ns Form or other notice to PayPal,=20 Attn: PayPal Debit Card Department, P.O. Box 45950, Omaha, NE 68145-0950, o= r 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.=20 If you notify us orally, we may request that you send us your complaint or = question in writing (by following the=20 notification procedures described in the paragraphs above) within 10 busine= ss days of providing us the oral notice.=20 When you notify us (orally or in writing), provide us with the following in= formation:=20 -Your name and email address you used to register your account, and=20 -A description of the suspected unauthorized transaction or other error and= an explanation as to why you believe=20 it is incorrect or why you need more information to identify the transactio= n, and=20 -The date and dollar amount of the suspected unauthorized transaction or ot= her error.=20 During the course of our investigation, we may request additional informati= on from you.=20 Once you notify us of a suspected error, we will investigate your complaint= or question within 10 business days=20 (or up to 20 business days for new accounts =E2=80=93 accounts that have 30= days or fewer since the date of their first transaction).=20 If we need more time, we may take up to 45 days to complete our investigati= on (or up to 90 days for new accounts,=20 point of sale or foreign initiated transactions).=20 If we decide that we need more time to complete our investigation (as expla= ined directly above), we will provisionally=20 credit your account for the amount of the suspected error. You will receive= the provisional credit within 10 business days=20 of the date we received your notice (20 business days for new accounts). Th= is will allow you to have use of the money=20 until we complete the investigation. If we ask you to put your complaint or= question in writing and we do not receive your=20 written complaint or question within 10 business days (or 20 for new accoun= ts), we will not provisionally credit your account.=20 We will inform you of our decision within three business days after complet= ing our investigation. If we determine that there=20 was an error, we will promptly correct the error. If you have already recei= ved a provisional credit, you will be allowed to retain=20 those funds. If we decide that there was not an error, we will include an e= xplanation of our decision in our email to you. If=20 you received a provisional credit, we will remove it from your account. You= may request copies of the documents that we used in our investigation.=20 For this purpose, our "business days" are Monday through Friday. Holidays a= re not included as business days.=20 =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D Accept Payments=20 https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/3LZ8G/MF/t Help=20 https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/USG33/MF/t Fees=20 https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/5H500/MF/t Security=20 https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/VJ6U1/MF/t PayPal App https://email-edg.paypal.com/r/20O5A3B/C24FT/WLXXO8W/8ZYAOX/IMRDI/MF/t =3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D=3D= =3D=3D=3D=3D=3D=20 Please do not reply to this email. We are unable to respond to inquiries se= nt to this address. For immediate answers to your questions, visit our Help= Center by clicking "Help" located on any PayPal page or email. Copyright (C) 2013 PayPal Inc. All rights reserved.=20 PayPal is located at 2211 N. First St., San Jose, CA 95131. [[20O5A3B-XF681-C24FT-WLXXO8W-8ZYAOX-M-M2-20130815-8a50fa07dbd1e04]] ---_-_-_-_-_1234567890 Content-Type: text/html; charset=UTF-8 Content-Disposition: inline Content-Transfer-Encoding: quoted-printable PayPal
3D""
View online
3D""
3D""
3D"PayPal"
3D""
=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=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=20=20=20=20=20=20=20=20=20=20=20=20=20=20=20=20=20
3D""
=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 =09=09
Dear Robert L= echevalier,
3D""


=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 Dan Oseran
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: April 1, 2012

This policy describes the ways we collect, store, use and protec= t your personal information. You accept this Privacy Policy when you sign u= p for or use our products, services or any other features, technologies or = functionalities offered by us on our website, application or through any ot= her means (collectively the "PayPal Services"). We may amend this policy at= any time by posting a revised version on our website. The revised version = will be effective at the time we post it. In=20 addition, if the revised version includes a substantial change, we will pro= vide you with 30 days' prior 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 a court. If you=20 would like additional information regarding the Corporate Rules contact us = via the contact details below.

How we collect information about you

When you visit the PayPal website or use the PayPal Services or = PayPal application, we collect information sent to us by your computer, mob= ile phone or other access device. This information may include your IP addr= ess, device information including but not limited to identifier, name and t= ype, operating system, location, mobile network information and standard we= b log information, such as your browser type, traffic to and from our site = and the pages you accessed on our website.
If you open an account or use the PayPal Services, we may collec= t the following types of information: =20=20=20=20=20=20=20=20=20=20=20
3D""
=20=20=20=20=20=20=20=20=20=20=20
&n= bsp;     • Contact information - your name, address, phone, email, Skype I= D and other similar information.
3D""
&n= bsp;     • Financial information - the full bank account numbers and/or cr= edit card numbers that you link to your PayPal account or give us when you = use the PayPal Services.
=09=09=09
3D""
=20=20=20=20=20=20=20=20=20=20=20=20 Before permitting you to use the PayPal Services, we may require= you to provide additional information we can use to verify your identity o= r address or manage risk, such as your date of birth, social security numbe= r or other information. 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 When you use the PayPal Services, we collect information about y= our transactions and your other activities on our website, application or w= hen using the PayPal Services and we may collect information about your com= puter or other access device for fraud prevention purposes.

You may choose to provide us with access to certain personal inf= ormation stored by third parties such as social media sites (such as Facebo= ok and Twitter). The information we have access to varies by site and is co= ntrolled by your privacy settings on that site and your authorization. By a= ssociating an account managed by a third party with your PayPal account and= authorizing PayPal to have access to this information, you agree that PayP= al may collect, store and use this information=20 in accordance 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, application or the PayPal Services. For example, we may e= valuate your computer, mobile phone or other access device to identify any = malicious software or activity that may affect the availability of the PayP= al Services.

=20=20=20=20=20=20=20=20=20=20=20 Finally, we may collect additional information from or about you= in other ways such as contacts with our customer support team or results w= hen you respond to a survey and from interactions with members of the eBay = Inc. corporate family, and from other companies.

How we use cookies

When you access our website or content or use our application or= the PayPal Services, we or companies we work with, may place small data fi= les called cookies or pixel tags on your computer or other device. We use t= hese technologies to recognize you as a PayPal customer, customize the PayP= al Services, content and advertising, measure promotional effectiveness, co= llect information about your computer or other access device to mitigate ri= sk, help prevent fraud and promote trust and=20 safety.

We use both session and persistent cookies when you access our website or c= ontent. Session cookies expire and no longer have any effect when you log o= ut of your account or close your browser. Persistent cookies remain on your= browser until you erase them or they expire.

=20 We also use Local Shared Objects, commonly referred to as "Flash cookies", = to help ensure that your account security is not compromised, to spot irreg= ularities in behavior to help prevent fraud and to support our sites and se= rvices.

=20 We encode our cookies so that only we can interpret the information stored = in them. You are free to decline our cookies if your browser or browser add= -on permits, but doing so may interfere with your use of our website. The h= elp section of most browsers or browser add-ons provides instructions on bl= ocking, deleting or disabling cookies.

=20 You may encounter PayPal cookies or pixel tags on websites that we do not c= ontrol. For example, if you view a web page created by a third party or use= an application developed by a third party, there may be a cookie or pixel = tag placed by the web page or application. Likewise, these third parties ma= y place cookies or pixel tags that are not subject to our control and the P= ayPal Privacy Policy does not cover 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 anonymized so that it does not identify a specifi= c user.

We store and process your personal information on our computers in the US a= nd elsewhere in the world where PayPal facilities or our service providers = are located, and we protect it by maintaining physical, electronic and proc= edural safeguards in compliance with applicable US federal and state regula= tions. We use computer safeguards such as firewalls and data encryption, we= enforce physical access controls to our buildings and files, and we author= ize access to personal information only for=20 those employees who require it to fulfill their job responsibilities.

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
3D""
=20=20=20=20=20=20=20=20=20=20=20
&n= bsp;     • provide the PayPal Services and customer support you request;
3D""
&n= bsp;     • process transactions and send notices about your transactions;
3D""
&n= bsp;     • resolve disputes, collect fees, and troubleshoot problems;
3D""
&n= bsp;     • prevent potentially prohibited or illegal activities, and enfor= ce our User Agreement;
3D""
&n= bsp;     • customize, measure, and improve the PayPal Services and the con= tent and layout of our website and applications;
3D""
&n= bsp;     • deliver targeted marketing, service update notices, and promoti= onal offers based on your communication preferences;
3D""
&n= bsp;     • compare information for accuracy and verify it with third parti= es.=20
=09=09=09
3D""
=20=20=20=20=20=20=20=20=20=20=20=20 Marketing

We don't sell or rent your personal information to third parties= for their marketing purposes without your explicit consent. We may combine= your information with information we collect from other companies and use = it to improve and personalize the PayPal Services, content and advertising.= If you don't wish to receive marketing communications from us or participa= te in our ad-customization programs, simply indicate your preference by log= ging into your account and going to the=20 Profile subtab under the My Account tab and adjusting your preferences unde= r Account Information, or by following the directions provided with the com= munication or advertisement.

If you no longer wish to receive notifications via our application, you can= adjust your preferences by visiting the settings page of the application. =

You can opt out of receiving SMS messages by texting STOP to the number we = send from for that particular service. Alternatively, you can indicate your= preference by logging into your account and adjusting your preferences und= er Account Information or by following the directions provided with the com= munication.

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

We may share your personal information with: =20=20=20=20=20=20=20=20=20=20=20
3D""
=20=20=20=20=20=20=20=20=20=20=20
&n= bsp;     • Members of the eBay Inc. corporate family -- like eBay, Shoppin= g.com or Bill Me Later, Inc.-- to provide joint content, products and servi= ces (like registration, transactions and customer support), to help detect = and prevent potentially illegal acts and violations of our policies, and to= guide decisions about their products, services and communications. Members= of our corporate family will use this information to send you marketing co= mmunications only if you have=20 requested their services.
3D""
&n= bsp;     • Service providers under contract who help with parts of our bus= iness operations such as fraud prevention, bill collection, marketing and t= echnology services. Our contracts dictate that these service providers only= use your information in connection with the services they perform for us a= nd not for their own benefit.
3D""
&n= bsp;     • Financial institutions that we partner with to jointly create a= nd offer a product such as the PayPal Extras credit card where we share inf= ormation with GE Capital to determine whether you should receive pre-approv= ed offers for the PayPal Extras credit card. These financial institutions m= ay only use this information to market PayPal-related products, unless you = have given consent for other uses.
3D""
&n= bsp;     • Credit bureaus to report account information, as permitted by l= aw.
3D""
&n= bsp;     • Banking partners as required by credit card association rules f= or inclusion on their list of terminated merchants (in the event that you m= eet their criteria which includes having PayPal close your PayPal Account d= ue to your breach of the PayPal User Agreement).
3D""
&n= bsp;     • Companies that we plan to merge with or be acquired by. (Should= such a combination occur, we will require that the new combined entity fol= low this privacy policy with respect to your personal information. If your = personal information could be used contrary to this policy, you will receiv= e prior notice.)
3D""
&n= bsp;     • Law enforcement, government officials, or other third parties w= hen=20
3D""
         =E2=97= =8B we are compelled to do so by a subpoena, court order or simila= r legal procedure
3D""
         =E2=97= =8B we need to do so to comply with law or credit card rules
3D""
         =E2=97= =8B we believe in good faith that the disclosure of personal infor= mation is necessary to prevent physical harm or financial loss, to report s= uspected illegal activity or to investigate violations of our User Agreemen= t.
3D""
&n= bsp;     • Other third parties with your consent or direction to do so.
=20=20=20=20=20=20=20=20=20=20=20
3D""
PayPal will not sell or rent any of your personal information to= third parties for their marketing purposes and only shares your personal i= nformation with third parties as described in this policy.

If you open a PayPal account directly on a third party website or via a thi= rd party application, any information that you enter on that website or app= lication (and not directly on a PayPal website) will be shared with the own= er of the third party website or application and your information may be su= bject to their privacy policies.

How you can restrict PayPal from sharing you= r personal information

Federal and state laws allow you to restrict the sharing of your= personal information in certain instances. However, these laws also state = that you cannot restrict other types of sharing. Because we have chosen to = refrain from certain types of data sharing, the only type of sharing of you= r personal information that you may restrict is as follows:

If you do not want PayPal to share your personal information with eBay comp= anies for the purpose of marketing their products or with other financial i= nstitutions for the purpose of marketing our jointly offered products to yo= u, please log in to your account and uncheck the box in the Information Sha= ring section of the Notifications and Information Sharing page. This page c= an be accessed by going to the Profile subta= b under the My=20 Account tab.

You can also control how we use your contact information to market the PayP= al Services to you in the notifications 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 clicking the Profile subtab under the My Account tab. Yo= u 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= will keep your account information in our database. This is necessary in o= rder to deter fraud, by ensuring that persons who=20 try to commit fraud will not be able to avoid detection simply by closing t= heir account and opening a new account. However, if you close your account,= your personally identifiable information will not be used by us for any fu= rther purposes, nor sold or shared with third parties, except as necessary = to prevent fraud and assist law enforcement, as required by law or in accor= dance with this Privacy Policy.

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 The TRUSTe program covers only information that is collected thr= ough this Web site, www.paypal.com and does not cover information that may = be collected through our mobile applications or downloadable software. =20=20=20=20=20=20=20=20=20=20=20
3D""
3D""
=20=20=20=20=20=20=20=20=20=20=20
3D""
=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
3D""
=20=20=20=20=20=20=20=20=20=20=20
&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;
3D""
&n= bsp;     • you need more information about a transaction listed on the statement or= transaction confirmation; or
3D""
&n= bsp;     • there has been an unauthorized transaction, other error or unauthorized = access to your PayPal account.
=20=20=20=20=20=20=20=20=20=20=20
3D""
=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:

=20=20=20=20=20=20=20=20=20=20=20
3D""
=20=20=20=20=20=20=20=20=20=20=20
&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
3D""
&n= bsp;     • Writing to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Om= aha, NE 68145-0950.
=20=20=20=20=20=20=20=20=20=20=20
3D""
=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
3D""
=20=20=20=20=20=20=20=20=20=20=20
&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
3D""
&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.
=20=20=20=20=20=20=20=20=20=20=20 =20=20=20=20=20=20=20=20=20=20=20
3D""
=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
3D""
=20=20=20=20=20=20=20=20=20=20=20
&n= bsp;     • Your name and email address you used to register your account, and
3D""
&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
3D""
&n= bsp;     • The date and dollar amount of the suspected unauthorized transaction or = other error.
=20=20=20=20=20=20=20=20=20=20=20
3D""
=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
3D""
3D""
Accept Payments=   |   Help  = ;|   Fees  = ;|   Security &= nbsp;|   PayPal App
3D""
=20=20=20=20=20=20=20=20
3D""
3D"" 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. 		3D""
3D""
=20=20=20=20=20=20 ---_-_-_-_-_1234567890--