Received: from nobody by stodi.digitalkingdom.org with local (Exim 4.76) (envelope-from ) id 1T5Wrl-0004mc-KT for lojban-newreal@lojban.org; Sun, 26 Aug 2012 00:02:37 -0700 Received: from outbound.na.e.paypal.com ([96.47.30.200]:55115) by stodi.digitalkingdom.org with esmtp (Exim 4.76) (envelope-from ) id 1T5WrX-0004lq-J7 for lojban@lojban.org; Sun, 26 Aug 2012 00:02:36 -0700 DKIM-Signature: v=1; a=rsa-sha1; d=e.paypal.com; s=ED-DKIM; c=simple/simple; q=dns/txt; i=@e.paypal.com; t=1345964537; h=From; bh=9SEvJlRYA5VLk3OZZMInVPHEp3s=; b=isUiYMqC7glhNFQlE5ASyVZBhocghMwP9KKy/ChgDLdiCrx9rIEZss00F3rZXcdL FuWFDLiQdn1Gw8ZmpoWwxSEdccCmlmzCR69Jq5/2CxPtkCPx/PLFO3MHX2Pwykdi; DomainKey-Signature: q=dns; a=rsa-sha1; c=nofws; s=ED2011-04; d=e.paypal.com; h=Received:Date:Content-Type:Content-Transfer-Encoding:MIME-Version:From:Reply-To:To:Subject:Message-Id:X-Mail-From:X-Match:X-RCPT-To:X-Mailer; b=uN0RlFFP36y7N7AdoKRTd647xKO6R7WBId/fGUEhIaOAmyfdoQmDqjDCzjleFCGH +qLBivPJXJkn5P4v6s/HyBVJpxV6n3LVy168Euu61y7YpCJEmPLugF+/MkH/RkE1 Received: from [127.0.0.1] ([127.0.0.1:57103]) by bm1-06.bo3.e-dialog.com (envelope-from ) (ecelerity 2.2.2.45 r(34222M)) with ECSTREAM id E4/AF-27674-9F9C9305; Sun, 26 Aug 2012 03:02:17 -0400 Date: Sun, 26 Aug 2012 03:02:17 -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: <12065-463-PNFB1X9-XAEXZ-2ZTE9-RN77HLZ-PRZ5SP-M-M2-20120820-305bdec11c39363@e-dialog.com> X-Mail-From: PNFB1X9-XAEXZ-2ZTE9-RN77HLZ-PRZ5SP-M-M2-20120820-305bdec11c39363@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: -6.1 (------) X-Spam_score: -6.1 X-Spam_score_int: -60 X-Spam_bar: ------ Sender: Nobody 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 PayPal =20 Dear Robert Lechevalier, =20 Your privacy and trust are important to us, so we want to make sure you kno= w what=20 we do to make PayPal the best way to pay and get paid online. Part of that = job is=20 keeping your financial information private. =20 Each year we send you a copy of our privacy policy to answer questions and = explain=20 exactly how we collect, use and protect your information. Please look it ov= er. You can=20 also view the privacy policy online at any time by clicking the Privacy lin= k at the=20 bottom of any PayPal page. =20 We also want to make sure you know how to report unauthorized transactions = or=20 other errors in payments made using PayPal's services. Please take a few mi= nutes=20 to review our annual Error Resolution Notice. It explains what to do if you= discover=20 an error and outlines your rights for resolving issues. Please keep a copy = for your=20 records. For more information, please see section 12 of the PayPal User Agr= eement=20 (Resolution Procedures for Unauthorized Transactions and Other Errors). https://email-edg.paypal.com/r/PNFB1X9/2ZTE9/RN77HLZ/PRZ5SP/ER0SW/I9/t =20 In an electronic world, online privacy and fraud protection are vital. If y= ou'd like to know=20 more about how to protect yourself, the PayPal Security Center offers a var= iety of powerful=20 fraud-fighting tips, tools, and technology. You can find the Security Cente= r by clicking the=20 Security and Protection link at the top of any PayPal page or you can conta= ct us with=20 questions through the Contact Us link at the bottom of any page. =20 Sincerely, =20 Dan Oseran Privacy Counsel =20 Kevin Thomas Director Compliance =20 Privacy Policy for PayPal Services Last Update: April 1, 2012 =20 This policy describes the ways we collect, store, use and protect your pers= onal information.=20 You accept this Privacy Policy when you sign up for or use our products, se= rvices or any=20 other features, technologies or functionalities offered by us on our websit= e, application or=20 through any other means (collectively the "PayPal Services"). We may amend = this policy=20 at any time by posting a revised version on our website. The revised versio= n will be effective=20 at the time we post it. In addition, if the revised version includes a subs= tantial change, we=20 will provide you with 30 days' prior notice by posting notice of the change= on the "Policy Updates"=20 page of our website. =20 Binding Corporate Rules =20 In addition to the privacy practices set out in this Privacy Policy, eBay I= nc. has established=20 a set of Corporate Rules (also referred to as Binding Corporate Rules), app= roved by a number=20 of European Union privacy regulators. These Corporate Rules are a commitmen= t by eBay Inc.=20 to adequately protect your personal information regardless of where the dat= a resides, and=20 depending upon your location, may provide additional privacy rights through= your privacy=20 regulator or a court. If you would like additional information regarding th= e Corporate Rules=20 contact us via the contact details below. =20 How we collect information about you =20 When you visit the PayPal website or use the PayPal Services or PayPal appl= ication, we collect=20 information sent to us by your computer, mobile phone or other access devic= e. This information=20 may include your IP address, device information including but not limited t= o identifier, name and=20 type, operating system, location, mobile network information and standard w= eb log information,=20 such as your browser type, traffic to and from our site and the pages you a= ccessed on our website. =20 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 othe= r similar information. - Financial information - the full bank account numbers and/or credit card = numbers that you link to=20=20=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=20 we can use to verify your identity or address or manage risk, such as your = date of birth, social security=20 number or other information. We may also obtain information about you from = third parties such as=20 credit bureaus and identity verification services. =20 When you use the PayPal Services, we collect information about your transac= tions and your other=20 activities on our website, application or when using the PayPal Services an= d we may collect information=20 about your computer or other access device for fraud prevention purposes. =20 You may choose to provide us with access to certain personal information st= ored by third parties such=20 as social media sites (such as Facebook and Twitter). The information we ha= ve access to varies by site=20 and is controlled by your privacy settings on that site and your authorizat= ion. By associating an account=20 managed by a third party with your PayPal account and authorizing PayPal to= have access to this=20 information, you agree that PayPal may collect, store and use this informat= ion in accordance with this=20 Privacy Policy. =20 In order to help protect you from fraud and misuse of your personal informa= tion, we may collect=20 information about your use and interaction with our website, application or= the PayPal Services. For=20 example, we may evaluate your computer, mobile phone or other access device= to identify any=20 malicious software or activity that may affect the availability of the PayP= al Services. =20 Finally, we may collect additional information from or about you in other w= ays such as contacts with=20 our customer support team or results when you respond to a survey and from = interactions with members=20 of the eBay Inc. corporate family, and from other companies. =20 How we use cookies =20 When you access our website or content or use our application or the PayPal= Services, we or companies=20 we work with, may place small data files called cookies or pixel tags on yo= ur computer or other device.=20 We use these technologies to recognize you as a PayPal customer, customize = the PayPal Services, content=20 and advertising, measure promotional effectiveness, collect information abo= ut your computer or other=20 access device to mitigate risk, help prevent fraud and promote trust and sa= fety. =20 We use both session and persistent cookies when you access our website or c= ontent. Session cookies=20 expire and no longer have any effect when you log out of your account or cl= ose your browser. Persistent=20 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=20 account security is not compromised, to spot irregularities in behavior to = help prevent fraud and to support=20 our sites and services. =20 We encode our cookies so that only we can interpret the information stored = in them. You are free to decline=20 our cookies if your browser or browser add-on permits, but doing so may int= erfere with your use of our=20 website. The help section of most browsers or browser add-ons provides inst= ructions on blocking, deleting=20 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=20 web page created by a third party or use an application developed by a thir= d party, there may be a cookie or=20 pixel tag placed by the web page or application. Likewise, these third part= ies may place cookies or pixel tags=20 that are not subject to our control and the PayPal Privacy Policy does not = cover their use. =20 How we protect and store personal information =20 Throughout this policy, we use the term "personal information" to describe = information that can be associated=20 with a specific person and can be used to identify that person. We do not c= onsider personal information to=20 include information 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=20 where PayPal facilities or our service providers are located, and we protec= t it by maintaining physical,=20 electronic and procedural safeguards in compliance with applicable US feder= al and state regulations.=20 We use computer safeguards such as firewalls and data encryption, we enforc= e physical access controls=20 to our buildings and files, and we authorize access to personal information= only for those employees=20 who require it to fulfill their job responsibilities. =20 How we use the personal information we collect =20 Our primary purpose in collecting personal information is to provide you wi= th a secure, smooth, efficient,=20 and customized experience. We may use your personal information to: =20 - provide the PayPal Services and customer support you request; - process transactions and send notices about your transactions; - resolve disputes, collect fees, and troubleshoot problems; - prevent potentially prohibited or illegal activities, and enforce our Use= r Agreement; - customize, measure, and improve the PayPal Services and the content and l= ayout of our website and applications; - deliver targeted marketing, service update notices, and promotional offer= s based on your communication preferences; - compare information for accuracy and verify it with third parties. =20 Marketing =20 We don't sell or rent your personal information to third parties for their = marketing purposes without=20 your explicit consent. We may combine your information with information we = collect from other=20 companies and use it to improve and personalize the PayPal Services, conten= t and advertising.=20 If you don't wish to receive marketing communications from us or participat= e in our ad-customization=20 programs, simply indicate your preference by logging into your account and = going to the Profile subtab=20 under the My Account tab and adjusting your preferences under Account Infor= mation, or by following=20 the directions provided with the communication or advertisement. =20 If you no longer wish to receive notifications via our application, you can= adjust your preferences=20 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=20 particular service. Alternatively, you can indicate your preference by logg= ing into your account and=20 adjusting your preferences under Account Information or by following the di= rections provided=20 with the communication. =20 How we share personal information with other PayPal users =20 To process your payments, we may share some of your personal information wi= th the person or=20 company that you are paying or that is paying you. Your contact information= , date of sign-up, the=20 number of payments you have received from verified PayPal users, and whethe= r you have verified=20 control of a bank account are provided to other PayPal users who you transa= ct with through PayPal.=20 In addition, this and other information may also be shared with third parti= es when you use these=20 third parties to access the PayPal Services. Unless you have agreed to it, = these third parties are=20 not allowed to use this information for any purpose other than to enable th= e PayPal Services. =20 If you are buying goods or services and pay through PayPal, we may also pro= vide the seller with your=20 shipping and confirmed credit card billing address to help complete your tr= ansaction with the seller.=20 The seller is not allowed to use this information to market their services = to you unless you have=20 agreed to it. If an attempt to pay your seller fails, or is later invalidat= ed, we may also provide your=20 seller with details of the unsuccessful payment. To facilitate dispute reso= lutions, we may provide a=20 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=20 or to you using PayPal. In doing so, a third party may share information ab= out you with us, such as=20 your email address or mobile phone number to inform you that a payment is s= ent to you or when you=20 attempt to pay that merchant or through that third party. We use this infor= mation to confirm that you=20 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=20 validate your status as a PayPal customer with a third party, we will do so= . Please note that merchants=20 you buy from and contract with have their own privacy policies, and PayPal = may not be held responsible=20 for their operations, including, but not limited to, their information prac= tices. =20 Regardless, we will not disclose your credit card number or bank account nu= mber to anyone you have=20 paid or who has paid you through PayPal or with the third parties that offe= r or use the PayPal Services,=20 except with your express permission or if we are required to do so to compl= y with a credit card rules,=20 subpoena or other legal process. =20 How we share personal information with other parties =20 We may share your personal information with: =20 - Members of the eBay Inc. corporate family -- like eBay, Shopping.com or B= ill Me Later, Inc.--=20 to provide joint content, products and services (like registration, trans= actions and customer support),=20 to help detect and prevent potentially illegal acts and violations of our= policies, and to guide decisions=20 about their products, services and communications. Members of our corpora= te family will use this=20 information to send you marketing communications only if you have request= ed their services. - Service providers under contract who help with parts of our business oper= ations such as fraud=20 prevention, bill collection, marketing and technology services. Our contr= acts dictate that these service=20 providers only use your information in connection with the services they = perform for us and not for=20 their own benefit. - Financial institutions that we partner with to jointly create and offer a= product such as the PayPal Extras=20 credit card where we share information with GE Capital to determine wheth= er you should receive=20 pre-approved offers for the PayPal Extras credit card. These financial in= stitutions may only use this=20 information to market PayPal-related products, unless you have given cons= ent for other uses. -Credit bureaus to report account information, as permitted by law. - Banking partners as required by credit card association rules for inclusi= on on their list of terminated=20 merchants (in the event that you meet their criteria which includes havin= g PayPal close your PayPal Account=20 due to your breach of the PayPal User Agreement). - Companies that we plan to merge with or be acquired by. (Should such a co= mbination occur, we will require=20 that the new combined entity follow this privacy policy with respect to = your personal information. If your personal=20 information could be used contrary to this policy, you will receive prior= notice.) - Law enforcement, government officials, or other third parties when=20 - we are compelled to do so by a subpoena, court order or similar legal = procedure - we need to do so to comply with law or credit card rules - we believe in good faith that the disclosure of personal information i= s necessary to prevent physical harm or=20 financial loss, to report suspected illegal activity or to investigate= violations of our User Agreement. - 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 and=20 only shares your personal information with third parties as described in th= is policy. =20 If you open a PayPal account directly on a third party website or via a thi= rd party application, any information=20 that you enter on that website or application (and not directly on a PayPal= website) will be shared with the owner=20 of the third party website or application and your information may be subje= ct to their privacy policies. =20 How you can restrict PayPal from sharing your personal information =20 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=20 certain types of data sharing, the only type of sharing of your personal in= formation 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=20 their products or with other financial institutions for the purpose of mark= eting our jointly offered products to you,=20 please log in to your account and uncheck the box in the Information Sharin= g section of the Notifications and Information=20 Sharing page. This page can be accessed by going to the Profile subtab unde= r the My Account tab. =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 =20 You can review and edit your personal information at any time by logging in= to your account and clicking the Profile=20 subtab under the My Account tab. You can also close your account through th= e PayPal website. If you close your=20 PayPal account, we will mark your account in our database as "Closed," but = will keep your account information in=20 our database. This is necessary in order to deter fraud, by ensuring that p= ersons who try to commit fraud will not=20 be able to avoid detection simply by closing their account and opening a ne= w account. However, if you close your=20 account, your personally identifiable information will not be used by us fo= r any further purposes, nor sold or shared=20 with third parties, except as necessary to prevent fraud and assist law enf= orcement, as required by law or in accordance=20 with this Privacy Policy. =20 How you can contact us about privacy questions =20 If you have questions or concerns regarding this policy, you should contact= us by using this form: https://email-edg.paypal.com/r/PNFB1X9/2ZTE9/RN77HLZ/PRZ5SP/Z7RAG/I9/t =20 Or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, Omaha= , NE 68145-0950.=20 PayPal maintains offices at 2211 N. First Street, San Jose, CA. =20 PayPal has been awarded TRUSTe's Privacy Seal signifying that this privacy = policy and practices have been=20 reviewed by TRUSTe for compliance with TRUSTe's program requirements: https://email-edg.paypal.com/r/PNFB1X9/2ZTE9/RN77HLZ/PRZ5SP/4XU4V/I9/t =20 Including transparency, accountability and choice regarding the collection = and use of your personal information.=20 If after contacting PayPal our response to your privacy concern is unsatisf= actory, then you may contact TRUSTe=20 by completing the form located at: https://email-edg.paypal.com/r/PNFB1X9/2ZTE9/RN77HLZ/PRZ5SP/FFCJY/I9/t =20 The TRUSTe program covers only information that is collected through this W= eb site, www.paypal.com and=20 does not cover information that may be collected through our mobile applica= tions or downloadable software. =20 ___________________________________________________________________________= ______ =20 ANNUAL ERROR RESOLUTION NOTICE =20 The purpose of this notice is to provide you with important information abo= ut reporting errors in payments=20 made using PayPal's services. You should keep this notice for future refere= nce. =20 What to do About Questions or Errors with Your Transactions. =20 You should notify PayPal as soon as you can if you believe: =20 - your account statement (you can access your account statement by logging = into your account)=20 or your transaction confirmation (which is sent to you via email) is wron= g; - you need more information about a transaction listed on the statement or = transaction confirmation; or - there has been an unauthorized transaction, other error or unauthorized a= ccess 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=20 will extend the 60-day time period if a good reason, such as a hospital sta= y, prevented you from=20 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=20 notify us in 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 unaut= horized transaction report, or https://www.paypal.com/cgi-bin/marketingweb?cmd=3D_complaint-vie= w&nav=3D0.4: https://email-edg.paypal.com/r/PNFB1X9/2ZTE9/RN77HLZ/PRZ5SP/DJO9D/I9/t =20 - Writing to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Oma= ha, 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 an= d selecting the transaction=20 details for the transaction you wish to dispute. Then follow the directio= ns provided for disputing the transaction; or=20 - Mailing the Written Statement of Disputed PayPal ATM/Debit Card Transacti= ons Form or other notice to=20 PayPal, Attn: PayPal Debit Card Department, P.O. Box 45950, Omaha, NE 681= 45-0950, or faxing it to 303-395-2855.=20 A link to the form can be found with the directions provided for disputin= g 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 - A description of the suspected unauthorized transaction or other error an= d an explanation as to why you=20 believe it is incorrect or why you need more information to identify the = transaction, and - The date and dollar amount of the suspected unauthorized transaction or o= ther 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=20 transaction). If we need more time, we may take up to 45 days to complete o= ur investigation (or up to 90 days=20 for new accounts, 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=20 days of the date we received your notice (20 business days for new accounts= ). This will allow you to have use of the=20 money until we complete the investigation. If we ask you to put your compla= int or question in writing and we do not=20 receive your written complaint or question within 10 business days (or 20 f= or new accounts), we will not provisionally=20 credit your account. =20 We will inform you of our decision within three business days after complet= ing our investigation. If we determine that=20 there was an error, we will promptly correct the error. If you have already= received a provisional credit, you will be=20 allowed to retain those funds. If we decide that there was not an error, we= will include an explanation of our decision=20 in our email to you. If you received a provisional credit, we will remove i= t from your account. You may request copies=20 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 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" at the top of any PayPal page. Copyright (C) 2012 PayPal Inc. All rights reserved.=20 PayPal is located at 2211 N. First St., San Jose, CA 95131. [[PNFB1X9-XAEXZ-2ZTE9-RN77HLZ-PRZ5SP-M-M2-20120820-305bdec11c39363]] ---_-_-_-_-_1234567890 Content-Type: text/html; charset=UTF-8 Content-Disposition: inline Content-Transfer-Encoding: quoted-printable PayPal
=20=20=20=20=20=20=20
3D""
3D"PayPal"
3D""
=20=20=20=20
3D""
=20=20=20=20=20
3D""

Dear Robert Lechevalier,

=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
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=20=20=20=20=20=20=20=20=20=20=20
&nb= sp;     • Contact information - your name, address, phone, email, Skype I= D and other similar information.
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&nb= sp;     • 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.
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=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.
<= br />=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.

=20=20=20=20=20=20=20=20=20=20=20 We use both session and persistent cookies when you access our w= ebsite or content. Session cookies expire and no longer have any effect whe= n you log out of your account or close your browser. Persistent cookies rem= ain on your browser until you erase them or they expire.

=20=20=20=20=20=20=20=20=20=20=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 irregularities in behavior to help prevent fraud and to support our s= ites and services.

=20=20=20=20=20=20=20=20=20=20=20 We encode our cookies so that only we can interpret the informat= ion 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 web= site. The help section of most browsers or browser add-ons provides instruc= tions on blocking, deleting or disabling cookies.

=20=20=20=20=20=20=20=20=20=20=20 You may encounter PayPal cookies or pixel tags on websites that = we do not control. For example, if you view a web page created by a third p= arty or use an application developed by a third party, there may be a cooki= e or pixel tag placed by the web page or application. Likewise, these third= parties may place cookies or pixel tags that are not subject to our contro= l and the PayPal Privacy Policy does not cover their use.

How we protect and store personal informatio= n

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

=20=20=20=20=20=20=20=20=20=20=20 We store and process your personal information on our computers = in the US and elsewhere in the world where PayPal facilities or our service= providers are located, and we protect it by maintaining physical, electron= ic and procedural safeguards in compliance with applicable US federal and s= tate regulations. We use computer safeguards such as firewalls and data enc= ryption, we enforce physical access controls to our buildings and files, an= d we authorize access to personal information=20 only for those employees who require it to fulfill their job responsibiliti= es.

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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&nb= sp;     • provide the PayPal Services and customer support you request;
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&nb= sp;     • process transactions and send notices about your transactions;
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&nb= sp;     • resolve disputes, collect fees, and troubleshoot problems;
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&nb= sp;     • prevent potentially prohibited or illegal activities, and enfor= ce our User Agreement;
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&nb= sp;     • customize, measure, and improve the PayPal Services and the con= tent and layout of our website and applications;
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&nb= sp;     • deliver targeted marketing, service update notices, and promoti= onal offers based on your communication preferences;
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&nb= sp;     • compare information for accuracy and verify it with third parti= es.
=09=09=09
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=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 applicati= on, you can adjust your preferences by visiting the settings page of the ap= plication.

You can opt out of receiving SMS messages by texting STOP to the= number we send from for that particular service. Alternatively, you can in= dicate your preference by logging into your account and adjusting your pref= erences under Account Information or by following the directions provided w= ith 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.

=20=20=20=20=20=20=20=20=20=20=20 If you are buying goods or services and pay through PayPal, we m= ay also provide the seller with your shipping and confirmed credit card bil= ling address to help complete your transaction with the seller. The seller = is not allowed to use this information to market their services to you unle= ss you have agreed to it. If an attempt to pay your seller fails, or is lat= er invalidated, we may also provide your seller with details of the unsucce= ssful payment. To facilitate dispute=20 resolutions, we may provide a buyer with the seller's address so that goods= can be returned to the seller.

=20 =20=20=20=20=20=20=20=20=20=20=20 We work with third parties, including merchants, to enable them = to accept or facilitate payments from or to you using PayPal. In doing so, = a third party may share information about you with us, such as your email a= ddress or mobile phone number to inform you that a payment is sent to you o= r when you attempt to pay that merchant or through that third party. We use= this information to confirm that you are a PayPal customer and that PayPal= as a form of payment can be enabled, or where a=20 payment is sent to you to send you notification that you have received a pa= yment. Also, if you request that we validate your status as a PayPal custom= er with a third party, we will do so. Please note that merchants you buy fr= om and contract with have their own privacy policies, and PayPal may not be= held responsible for their operations, including, but not limited to, thei= r information practices.

=20=20=20=20=20=20=20=20=20=20=20 Regardless, we will not disclose your credit card number or bank= account number 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 wit= h your express permission or if we are required to do so to comply with a c= redit 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
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&nb= sp;     • 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.
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&nb= sp;     • 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.
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&nb= sp;     • 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.
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&nb= sp;     • Credit bureaus to report account information, as permitted by l= aw.
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&nb= sp;     • 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).
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&nb= sp;     • 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.)
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&nb= sp;     • Law enforcement, government officials, or other third parties w= hen=20
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         =E2=97= =8B we are compelled to do so by a subpoena, court order or simila= r legal procedure
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         =E2=97= =8B we need to do so to comply with law or credit card rules
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         =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.
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&nb= sp;     • Other third parties with your consent or direction to do so.
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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.

=20=20=20=20=20=20=20=20=20=20=20 If you open a PayPal account directly on a third party website o= r via a third party application, any information that you enter on that web= site or application (and not directly on a PayPal website) will be shared w= ith the owner of the third party website or application and your informatio= n may be subject 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:

=20=20=20=20=20=20=20=20=20=20=20 If you do not want PayPal to share your personal information wit= h eBay companies for the purpose of marketing their products or with other = financial institutions for the purpose of marketing our jointly offered pro= ducts to you, please log in to your account and uncheck the box in the Info= rmation Sharing section of the Notifications and Information Sharing page. = This page can be accessed by going to the Profile subtab under the My=20 Account tab.

=20=20=20=20=20=20=20=20=20=20=20 You can also control how we use your contact information to mark= et the PayPal 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
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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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=20=20=20=20=20=20=20=20=20=20=20
&nb= sp;     • 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;
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&nb= sp;     • you need more information about a transaction listed on the statement or= transaction confirmation; or
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&nb= sp;     • 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
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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.

=20=20=20=20=20=20=20=20=20=20=20 For any type of error, you can telephone PayPal Customer Service= at (402) 938-3614. You can also notify us in writing or online by followin= g the instructions below.

=20=20=20=20=20=20=20=20=20=20=20 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
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=20=20=20=20=20=20=20=20=20=20=20
&nb= sp;     • 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
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&nb= sp;     • 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
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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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=20=20=20=20=20=20=20=20=20=20=20
&nb= sp;     • Logging into your PayPal account, going to the "Account Overview" page a= nd selecting the transaction details for the transaction you wish to disput= e. Then follow the directions provided for disputing the transaction; or
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&nb= sp;     • 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 trans= action 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
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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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=20=20=20=20=20=20=20=20=20=20=20
&nb= sp;     • Your name and email address you used to register your account, and
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&nb= sp;     • 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 mor= e information to identify the transaction, and
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&nb= sp;     • 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.

=20=20=20=20=20=20=20=20=20=20=20 Once you notify us of a suspected error, we will investigate you= r complaint or question within 10 business days (or up to 20 business days = for new accounts – 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 da= ys to complete our investigation (or up to 90 days for new accounts, point = of sale or foreign initiated transactions).

=20=20=20=20=20=20=20=20=20=20=20 If we decide that we need more time to complete our investigatio= n (as explained directly above), we will provisionally credit your account = for the amount of the suspected error. You will receive the provisional cre= dit within 10 business days of the date we received your notice (20 busines= s days for new accounts). This will allow you to have use of the money unti= l we complete the investigation. If we ask you to put your complaint or que= stion 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=20=20=20=20=20=20=20=20=20=20 We will inform you of our decision within three business days af= ter completing our investigation. If we determine that there was an error, = we will promptly correct the error. If you have already received a provisio= nal credit, you will be allowed to retain those funds. If we decide that th= ere was not an error, we will include an explanation of our decision in our= email to you. If you received a provisional credit, we will remove it from= your account. You may request copies of the=20 documents that we used in our investigation.

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

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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" at the top of an= y PayPal page.

Copyright © 2012 PayPal Inc. All rights reserved. PayPal is located at= 2211 N. First St., San Jose, CA 95131. 		3D""
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