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Received: from nobody by stodi.digitalkingdom.org with local (Exim 4.80.1) (envelope-from ) id 1XZ50y-0006T8-SD for lojban-newreal@lojban.org; Tue, 30 Sep 2014 14:31:21 -0700 Received: from outbound.na.e.paypal.com ([96.47.30.204]:37016) by stodi.digitalkingdom.org with esmtp (Exim 4.80.1) (envelope-from ) id 1XZ50s-0006SK-U6 for lojban@lojban.org; Tue, 30 Sep 2014 14:31:19 -0700 DKIM-Signature: v=1; a=rsa-sha1; d=e.paypal.com; s=ED-DKIM-V3; c=relaxed/relaxed; q=dns/txt; i=@e.paypal.com; t=1412112667; h=From:Subject:Date:To:MIME-Version:Content-Type; bh=+1zfu9v7+XPpXcNjsIS7bof9cEs=; b=k1qv2KXFfMPTsCkO0peVyyjFtQE/CVTTNs80jPEswZlzzFa8VYEaH5HXD1oGcLYz EzxQph5YiYPvDg6+NOC+cLUSxMlgdYJ24JPNgrcnsbHWfZDO27CT3PurfXOG7i48 62OydTF5o/UVgLs0yFHXHTeklFlt3wUdo1tdmPaCtgM=; Received: from [127.0.0.1] ([127.0.0.1:39070]) by bm1-09.bo3.e-dialog.com (envelope-from ) (ecelerity 2.2.2.45 r(34222M)) with ECSTREAM id 20/F3-24705-B112B245; Tue, 30 Sep 2014 17:31:07 -0400 Date: Tue, 30 Sep 2014 17:31:07 -0400 Content-Type: text/html; charset=UTF-8 Content-Transfer-Encoding: quoted-printable MIME-Version: 1.0 From: "PayPal" Reply-To: "PayPal" To: lojban@lojban.org Subject: Notice of Policy Updates Message-Id: <16855-682-NRJTP4E-5C9HGC-404FA9-M9CCPN0-1OLX2T-H-M2-20140929-1f00923bb7ab8@e-dialog.com> X-Mail-From: NRJTP4E-5C9HGC-404FA9-M9CCPN0-1OLX2T-H-M2-20140929-1f00923bb7ab8@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: -1.2 (-) X-Spam_score: -1.2 X-Spam_score_int: -11 X-Spam_bar: - PayPal


	Robert Lechevalier, PayPal Policy update now available.=

View online

=20=20=20=20=20=20=20

Notice of Policy Updat= es

Dear Robert Lechevalier,

Tr= ust and security are part of what makes PayPal the best way to pay and get = paid online. Which means we owe it to you to keep your financial informatio= n private, as well as give you updates on policy changes.

There haven't been any changes to our Privacy Policy since May 15, but ea= ch year we send you a copy of our Privacy Policy just to keep you up to dat= e on our data collection, use and protection practices. (You can also chec= k out our Privacy Policy at any time by clicking the Privacy link at the bo= ttom of any page.)

=20=20 In the following pages, you'll also find our Annual Error Resolution Noti= ce describing how to report unauthorized transactions or other errors when = you use PayPal. For more information, see Section 12 of the PayPal User Agreement.

And last but not least, you'll see some updates to our User Agreement tha= t go into effect November 18, 2014. If you're interested in all the details= , take a look at our Policy Updates Page. Here are the highlights:
=
• We're increasing the time for buyers to file merchandise disputes = (Item Not Received and Significantly Not as Described) from 45 days to 180 = days.
• We're extending buyer protection to include item not received clai= ms for custom made products.
• Because PayPal Seller Protection and Buyer Protection policies may= vary from country to country, we're adding language to clarify which count= ry's policy applies when a seller makes a sale to a buyer outside of the U.= S.

If you use PayPal after the date these changes become effective, we will = take that usage as your consent to the changed terms.

=20=20=20=20 Feel free to contact us with questions through the Contact link at the bo= ttom of any page.

=20=20 Sincerely,

The PayPal Privacy and Compliance Team

Privacy Polic= y

=20=20

Last Update: May 15, 2014=20

Your Privacy Rights

This Privacy Policy describes your privacy rights regarding our colle= ction, use, storage, sharing and protection of your personal information. I= t applies to the PayPal website and all related sites, applications, servic= es and tools regardless of how you access or use them. More detailed inform= ation about our privacy practices, along with our contact information, is a= vailable at the eBay Privacy Center.

The PayPal website is a licensee of the TRUSTe Web Privacy Program. I= f this policy or our customer support team cannot answer your privacy-relat= ed questions, please use the TRUSTe Watchdog Dispute Resolution Process.

Scope and Consent

You accept this Privacy Policy when you sign up for, access, or use o= ur products, services, content, features, technologies or functions offered= on our website and all related sites, applications, and services (collecti= vely "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 th= e time we post it. In addition, if the revised version includes a substanti= al change, we will provide you with=20 30 days' prior notice by posting notice of the change on the "Policy Update= s" page of our website. After this 30-day notice period, you will be consid= ered as having expressly consented to all amendments to this policy.

Binding Corporate Rules

In addition to the privacy practices set out in this Privacy Policy, = our parent company eBay Inc. has established a set of Corporate Rules (also= referred to as Binding Corporate Rules), approved by a number of European = Union privacy regulators. These Corporate Rules are a commitment by eBay In= c. to protect your personal information regardless of where the data reside= s. Depending upon where you live, the Binding Corporate Rules may provide a= dditional privacy rights through your=20 local privacy regulator or government. For more information about our Bindi= ng Corporate Rules, including information on how to contact us with any que= stions, visit our eBay Privacy Center.

Collection of Personal Information

We collect the following types of personal information in order to pro= vide you with the use of and access to our sites, applications, services an= d tools, and to help us personalize and improve your experience:

Information we collect automatically: When you visit = the PayPal website or use PayPal Services, we collect information sent to u= s by your computer, mobile phone or other access device. The information se= nt to us includes but is not limited to the following: data about the pages= you access, computer IP address, device ID or unique identifier, device ty= pe, geo-location information, computer and connection information, mobile n= etwork information, statistics on page=20 views, traffic to and from the sites, referral URL, ad data, and standard w= eb log data and other information. We also collect anonymous information th= rough our use of cookies and web beacons (visit How we use Cookies and Similar Technologies for more information).

Information you provide to us: We may collect and sto= re any information you enter on the PayPal website or you provide to us in = context of using our site, applications, services, or tools.

When you visit the PayPal website or use PayPal Services, we also coll= ect information about your transactions and your activities. In addition, i= f you open a PayPal account or use PayPal Services, we may collect the foll= owing types of information:

=E2=80=A2 Contact information, such as your name, address, phone, ema= il and other similar information.

=E2=80=A2 Financial information, such as the full bank account numbers= and/or credit card numbers that you link to your PayPal account or give us= when you use PayPal Services.

=E2=80=A2 Detailed personal information such as your date of birth or = national ID number.

We may also collect information from or about you in other ways, such = as through your contact with our customer support team, your results when y= ou respond to a survey, and your interactions with members of the eBay Inc.= corporate family or other companies. Additionally, for quality and trainin= g purposes or for its own protection, PayPal may monitor or record its tele= phone conversations with you or anyone acting on your behalf. By communicat= ing with PayPal, you acknowledge that your=20 communication may be overheard, monitored, or recorded without further noti= ce or warning.

Information from other sources: We may also obtain in= formation about you from third parties such as credit bureaus and identity = verification services.=20

You may choose to provide us with access to certain personal informati= on stored by third parties such as social media sites (e.g., Facebook and T= witter). The information we may receive varies by site and is controlled by= that site. By associating an account managed by a third party with your Pa= yPal account and authorizing PayPal to have access to this information, you= agree that PayPal may collect, store and use this information in accordanc= e with this Privacy Policy.

Authentication and Fraud Detection: In order to help = protect you from fraud and misuse of your personal information, we may coll= ect information about you and your interactions with our website or PayPal = Services. We may also evaluate your computer, mobile phone or other access = device to identify any malicious software or activity.

Mobile Privacy: We may offer you the ability to conne= ct with our sites, or use of our applications, services, and tools using a = mobile device, either through a mobile application or via a mobile optimize= d website. The provisions of this Privacy Policy apply to all such mobile a= ccess and use of mobile devices. This Privacy Policy will be referenced by = all such mobile applications or mobile optimized websites.

When you download or use our Mobile Applications, or access one of our= mobile optimized sites, we may receive information about your location and= your mobile device, including a unique identifier for your device. We may = use this information to provide you with location-based services, such as a= dvertising, search results, and other personalized content. Most mobile dev= ices allow you to control or disable location services in the device's sett= ing's menu. If you have questions about how=20 to disable your device's location services, we recommend you contact your m= obile service carrier or the manufacture of your particular device.

How We Use the Personal Information We Collect

Our primary purpose in collecting personal information is to provide y= ou with a secure, smooth, efficient, and customized experience. We may use = your personal information to:

=E2=80=A2 provide PayPal Services and customer support;

=E2=80=A2 process transactions and send notices about your transaction= s;

=E2=80=A2 resolve disputes, collect fees, and troubleshoot problems; =

=E2=80=A2 prevent potentially prohibited or illegal activities, and en= force our User Agreement;

=E2=80=A2 customize, measure, and improve PayPal Services and the con= tent, layout, and operation of our websites and applications;

=E2=80=A2 deliver targeted marketing, service update notices, and prom= otional offers based on your communication preferences;

=E2=80=A2 contact you at any telephone number, by placing a voice call= or through text (SMS) or email messaging, as authorized by our User Agreem= ent;

=E2=80=A2 compare information for accuracy and verify it with third pa= rties.

Marketing

We do not 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 PayPal Services, content, and advertising. If you = do not wish to receive marketing communications from us or participate in o= ur ad-customization programs, simply indicate your preference by logging in= to your account and going to the=20 Notification section under the Settings tab and updating your preferences, = or by following the directions that may be provided within the communicatio= n or advertisement.

We respect your communication preferences. If you no longer wish to re= ceive notifications via our application, you can adjust your preferences by= visiting the settings page of the application.

We may call or send a text message (SMS) to you via the landline or m= obile phone number that you have provided to us. You can indicate your cont= act preferences by logging into your account and adjusting your preferences= in your Account Information Settings or by following the directions provid= ed within the communication.=20=20=20

How We Use Cookies and Similar Technologies

When you access our website or use PayPal Services, we (including comp= anies we work with) may place small data files on your computer or other de= vice. These data files may be cookies, pixel tags, "Flash cookies," or othe= r local storage provided by your browser or associated applications (collec= tively "Cookies"). We use these technologies to recognize you as a customer= ; customize PayPal Services, content, and advertising; measure promotional = effectiveness; help ensure that your account=20 security is not compromised; mitigate risk and prevent fraud; and to promot= e trust and safety across our sites and PayPal Services.

You are free to decline our Cookies if your browser or browser add-on= permits, unless our Cookies are required to prevent fraud or ensure the se= curity of websites we control. However, declining our Cookies may interfere= with your use of our website and PayPal Services.

Do Not Track: Do Not Track (DNT) is an optional brows= er setting that allows you to express your preferences regarding tracking b= y advertisers and other third-parties. We do not currently respond to DNT s= ignals. We do, however, provide you notice of the tracking by advertisers a= nd other third parties in our Privacy and Cookies policies.

For more detailed information on our use of these technologies, please= see our policy on Cookies, Web Beacons, and Similar Technologies.

How We Protect and Store Personal Information

Throughout this policy, we use the term "personal information" to desc= ribe information that can be associated with a specific person and can be u= sed to identify that person. We do not consider personal information to inc= lude information that has been made anonymous so that it does not identify = a specific user. =20=20=20=20

We store and process your personal information on our computers in Nor= th America, Asia, Europe and elsewhere in the world where our facilities ar= e located. We protect your information using physical, technical, and admin= istrative security measures to reduce the risks of loss, misuse, unauthoriz= ed access, disclosure and alteration. Some of the safeguards we use are fir= ewalls and data encryption, physical access controls to our data centers, a= nd information access authorization controls.

How We Share Personal Information with Other PayPal Users

To process your payments, we may share some of your personal informati= on with the person or company that you are paying or that is paying you. Yo= ur contact information, date of sign-up, the number of payments you have re= ceived from verified PayPal users, and whether you have verified control of= a bank account are provided to other PayPal users with whom who you transa= ct through PayPal. In addition, this and other information may also be shar= ed with third parties when you use these=20 third parties to access PayPal Services. Unless you have agreed to it, thes= e third parties are not allowed to use this information for any purpose oth= er than to enable PayPal Services. =20=20=20=20

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

If you are buying goods or services and pay through PayPal, we may als= o provide the seller with your shipping and billing address to help complet= e your transaction. The seller is not allowed to use this information to ma= rket their services to you unless you have agreed to it. If an attempt to p= ay your seller fails, or is later invalidated, we may also provide your sel= ler with details of the unsuccessful payment. To facilitate dispute resolut= ion, we may provide a buyer with the=20 seller's address so that goods can be returned to the seller. =20=20=20=20

We work with third parties, including merchants, to enable them to acc= ept or send payments from or to you using PayPal. In doing so, a third part= y may share information about you with us, such as your email address or mo= bile phone number, to inform you that a payment has been sent to you or whe= n you attempt to pay a merchant or 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 to send you notification=20 of payment status. Also, if you request that we validate your status as a P= ayPal customer with a third party, we will do so.

Please note that merchants, sellers, and users you buy from or contrac= t with have their own privacy policies, and although PayPal's user agreemen= t does not allow the other transacting party to use this information for an= ything other than providing PayPal Services, PayPal is not responsible for = their actions, including their information protection practices.

When using the PayPal mobile application, a Quick Response (QR) code o= r other payment code may be generated and shared with the merchant with who= m you are transacting. Regardless, we will not disclose your credit card nu= mber or bank account number to anyone you have paid or who has paid you usi= ng PayPal, or with the third parties that offer or use PayPal Services, exc= ept with your express permission or if we are required to do so to comply w= ith credit card rules, a subpoena, or other=20 legal process.=20

How We Share Personal Information with Other Third Parties

We may share your personal information with:

=E2=80=A2 Members of the eBay Inc. corporate family -- like eBay, Stu= bHub 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. Member= s of our corporate family will use this information to send you marketing c= ommunications only if you have requested their services.

=E2=80=A2 Service providers under contract who help with our business = operations, such as fraud prevention, bill collection, marketing, and techn= ology services. Our contracts dictate that these service providers only use= your information in connection with the services they perform for us and n= ot for their own benefit.

=E2=80=A2 Financial institutions that we partner with to jointly crea= te and offer a product (including but not limited to, the PayPal Extras cre= dit card where we share information with GE Capital to determine whether yo= u should receive pre-approved offers for the PayPal Extras credit card). Th= ese financial institutions may only use this information to market PayPal-r= elated products, unless you have given consent for other uses.

=E2=80=A2 Credit bureaus and collection agencies to report account inf= ormation, as permitted by law.

=E2=80=A2 Banking partners as required by credit card association rul= es for inclusion on their list of terminated merchants (in the event that y= ou meet their criteria which includes having PayPal close your PayPal Accou= nt due to your breach of the PayPal User Agreement).

=E2=80=A2 Companies that we plan to merge with or are acquired by. (Sh= ould such a combination occur, we will require that the new combined entity= follow this Privacy Policy with respect to your personal information. If y= our personal information could be used contrary to this policy, you will re= ceive prior notice.)

=E2=80=A2 Law enforcement, government officials, or other third parti= es pursuant to a subpoena, court order, or other legal process or requireme= nt applicable to PayPal or one of its affiliates; when we need to do so to = comply with law or credit card rules; or when we believe, in our sole discr= etion, that the disclosure of personal information is necessary to prevent = physical harm or financial loss, to report suspected illegal activity or to= investigate violations of our User Agreement.

=E2=80=A2 Other third parties with your consent or direction to do so.=

Please note that these third parties may be in other countries where = the laws on processing personal information may be less stringent than in y= our country.

PayPal will not sell or rent any of your personal information to thir= d parties for their marketing purposes and only shares your personal inform= ation with third parties as described in this policy.

If you open a PayPal account directly on a third party website or via = a third party application, any information that you enter on that website o= r application (and not directly on a PayPal website) will be shared with th= e owner of the third party website or application. These sites are governed= by their own privacy policies and you are encouraged to review their priva= cy policies before providing them with personal information. PayPal is not = responsible for the content or information=20 practices of such third parties.

Using Log In with PayPal

Log In with PayPal is a tool we've developed to improve your Internet = experience. Log In with PayPal allows you to streamline and simplify the ac= count creation and login process when using third-party websites, and it al= lows these websites to enhance your experience on their sites. Instead of c= reating multiple usernames and passwords for each website you visit, Log In= with PayPal allows you to sign in to a participating website using your ex= isting PayPal login information. When you=20 use Log In with PayPal, you agree that PayPal can share the information lis= ted on the Log In with PayPal consent screen or in your Log In with PayPal = account settings with the participating website. Information you allow PayP= al to share with these third-party websites is subject to each third-party'= s terms of service and privacy agreement, so you are encouraged to review t= heir policies.

How You Can Access or Change Your Personal Information

You can review and edit your personal information at any time by loggi= ng in to your account and reviewing your account settings and profile. You = can also close your account through the PayPal website. If you close your P= ayPal account, we will mark your account in our database as "Closed," but m= ay retain personal information from your account for a certain period of ti= me to collect any fees owed, resolve disputes, troubleshoot problems, assis= t with any investigations, prevent fraud,=20 enforce our User Agreement, or take other actions as required or permitted = by law.

How You Can Contact Us about Privacy Questions

If you have questions or concerns regarding this policy, you should c= ontact us by using this form.

ANNUAL ERROR RESOLUTION NOTICE =20=20=20=20

The purpose of this notice is to provide you with important informatio= n about reporting errors in payments made using PayPal's services. You shou= ld keep this notice for future reference.

What to do About Questions or Errors with Your Transactions.

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

=E2=80=A2 your account statement (you can access your account statemen= t by logging into your account) or your transaction confirmation (which is = sent to you via email) is wrong; =20=20=20=20

=E2=80=A2 you need more information about a transaction listed on the = statement or transaction confirmation; or =20=20=20=20

=E2=80=A2 there has been an unauthorized transaction, other error or u= nauthorized access to your PayPal account. =20=20=20=20

You must notify us no later than 60 days after the error first appears= 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 within 60= days.

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 following the instructions below.

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

=E2=80=A2 Using the form available in the PayPal Resolution Center to file an unauthorized transaction report, o= r

=E2=80=A2 Writing to PayPal, Attn: Error Resolution Department, P.O. B= ox 45950, Omaha, NE 68145-0950. =20=20=20=20

If the transaction involves your PayPal debit card, n= otify us by either:

=E2=80=A2 Logging into your PayPal account, going to the "Account Over= view" page and selecting the transaction details for the transaction you wi= sh to dispute. Then follow the directions provided for disputing the transa= ction; or

=E2=80=A2 Mailing the Written Statement of Disputed PayPal ATM/Debit C= ard Transactions Form or other notice to PayPal, Attn: PayPal Debit Card De= partment, P.O. Box 45950, Omaha, NE 68145-0950, or faxing it to 303-395-285= 5. A link to the form can be found with the directions provided for disputi= ng the transaction as noted above.

If you notify us orally, we may request that you send us your complai= nt or question in writing (by following the notification procedures describ= ed in the paragraphs above) within 10 business days of providing us the ora= l notice.

When you notify us (orally or in writing), provide us with the followi= ng information:

=E2=80=A2 Your name and email address you used to register your accoun= t, and =20=20=20=20
=E2=80=A2 A description of the suspected unauthorized transaction or ot= her error and an explanation as to why you believe it is incorrect or why y= ou need more information, and =20=20=20=20
=E2=80=A2 The dollar amount (and if possible, the date) of the sus= pected unauthorized transaction or other error. =20=20=20=20

During the course of our investigation, we may request additional info= rmation from you.=20 =20=20=20=20

Once you notify us of a suspected error, we will investigate your comp= laint or question within 10 business days (or up to 20 business days for ne= w accounts =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 t= o complete our investigation (or up to 90 days for new accounts, point of s= ale or foreign initiated transactions).

If we decide that we need more time to complete our investigation (as ex= plained directly above), we will provisionally credit your account for the = amount of the suspected error. You will receive the provisional credit with= in 10 business days of the date we received your notice (20 business days f= or new accounts). This will allow you to have use of the money until we com= plete the investigation. If we ask you to put your complaint or question in= writing 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.=20 =20=20

We will inform you of our decision within three business days after co= mpleting our investigation. If we determine that there was an error, we wil= l promptly correct the error. If you have already received a provisional cr= edit, you will be allowed to retain those funds. If we decide that there wa= s 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

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

Please do not reply to this email. We= are unable to respond to inquiries sent to this address. For immediate ans= wers to your questions, visit our Help Center by clicking "Help" located on= any PayPal page or email.

Copyright © 2014 PayPal, Inc. All rights reserved. PayPal is located a= t 2211 N. First St., San Jose, CA 95131.