Received: from nobody by stodi.digitalkingdom.org with local (Exim 4.76) (envelope-from ) id 1R91xs-0003Oc-0o for lojban-newreal@lojban.org; Wed, 28 Sep 2011 14:46:52 -0700 Received: from paypalna.outbound.ed10.com ([96.47.30.199]:14122) by stodi.digitalkingdom.org with esmtp (Exim 4.76) (envelope-from ) id 1R91xe-0003Nu-PO for lojban@lojban.org; Wed, 28 Sep 2011 14:46:49 -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=1317246391; h=From; bh=UfXcvABPdg0pYqSqbYQK4odEq3U=; b=W83iL2X2n9t+D7lveNI7wxyOgIyKOqFWaP32gvboyF/m3q2uL53Exj9XzDtMxocF sex5ReH6xwE5kv83yJid8JuOm4p2YzAUMy5+KgADkwm69dDG12dUbcnfzH+9yqDC; 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=skDhLq4xvdh8Lrh5WqLWHGHn1hjEWcpK2smUrZOud4oAI1KUiXSatMp5ok23Mfkg 1EuzisL8dpjZVjvp9SDT/+kxs11Y6tv3ouFsj082vAysplDEtoRNI+6ww+cVYJRM Received: from [127.0.0.1] ([127.0.0.1:48675]) by bm1-08.bo3.e-dialog.com (envelope-from ) (ecelerity 2.2.2.45 r(34222M)) with ECSTREAM id 01/29-25991-7B5938E4; Wed, 28 Sep 2011 17:46:31 -0400 Date: Wed, 28 Sep 2011 17:46:31 -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 Policy and Error Resolution Notice Message-Id: <8160-234-LS91NMY-LYYY-VEOW-GKBBSQH-YKBJT-M-M2-20110830-b366dd1d36792956b5@e-dialog.com> X-Mail-From: LS91NMY-LYYY-VEOW-GKBBSQH-YKBJT-M-M2-20110830-b366dd1d36792956b5@paypalna.bounce.ed10.net X-Match: paypalna.bounce.ed10.net X-RCPT-To: lojban@lojban.org X-Mailer: EDMAIL R6.00.02 X-Spam-Score: -7.6 (-------) X-Spam_score: -7.6 X-Spam_score_int: -75 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: https://www.paypal.com Dear Robert Lechevalier, Your privacy and trust are important to us, so we want to make sure you kno= w what we do=20 to make PayPal the best way to pay and get paid online. Part of that job is= keeping=20 your financial information private. 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=20 can also view the privacy policy online at any time by clicking the Privacy= link at the=20 bottom of any PayPal page. 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://cms.paypal.com/us/cgi-bin/?cmd=3D_render-content&content_ID=3Dua/Us= erAgreement_full. In an electronic world, online privacy and fraud protection are vital. If y= ou'd like=20 to know more about how to protect yourself, the PayPal Security Center=20 offers a variety of powerful fraud-fighting tips, tools, and technology. Yo= u can find=20 the Security Center by clicking the Security and Protection link at the=20 top of any PayPal page or you can contact us with questions through the Con= tact Us=20 link at the bottom of any page. Sincerely, Michael Lee Senior Manager of Global Privacy Courtney Koziol Senior Manager of Regulatory Compliance Privacy Policy for PayPal Services=20 Last Update: Jul 13, 2010 This policy describes the ways we collect, store, use and protect your pers= onal information.=20 You accept this policy when you sign up for or use our products, services o= r any other=20 features, technologies or functionalities offered by us on our website or t= hrough any other=20 means (collectively the "PayPal Services"). 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=20 we post it. In addition, if the revised version includes a substantial chan= ge, we will provide=20 you with 30 days' prior notice by posting notice of the change on the "Poli= cy Updates" page=20 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 a=20 set of Corporate Rules (also referred to as Binding Corporate Rules), appro= ved 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. How we collect information about you=20 When you visit the PayPal website or use the PayPal Services, we collect yo= ur IP address=20 and standard web log information, such as your browser type and the pages y= ou accessed=20 on our website. If you open an account or use the PayPal Services, we may collect the follo= wing=20 types of information: - Contact information - your name, address, phone, email, Skype ID and othe= r=20 similar information.=20 - Financial information - the full bank account numbers and/or credit card = numbers=20 that you link to your PayPal account or give us when you use the PayPal S= ervices. Before permitting you to use the PayPal Services, we may require you to pro= vide additional=20 information we can use to verify your identity or address or manage risk, s= uch as your date=20 of birth, social security number or other information. We may also obtain i= nformation about=20 you from third parties such as credit bureaus and identity verification ser= vices.=20 When you are using the PayPal Services, we collect information about your t= ransactions and=20 your other activities on our website or using the PayPal Services and we ma= y collect=20 information about your computer or other access device for fraud prevention= purposes.=20 Finally, we may collect additional information from or about you in other w= ays such as=20 contacts with our customer support team or results when you respond to a su= rvey from=20 interactions with members of the eBay Inc. corporate family, and from other= companies. How we use cookies=20 When you access our website, we, or companies we hire to track how our webs= ite is used,=20 may place small data files called "cookies" on your computer. We and our se= rvice providers=20 also use cookies to customize the PayPal Services, content and advertising;= measure=20 promotional effectiveness, and promote trust and safety.=20 We send a "session cookie" to your computer when you log in to your account= or otherwise=20 use the PayPal Services. This type of cookie helps us to recognize you if y= ou visit multiple=20 pages on our site during the same session, so that we don=E2=80=99t need to= ask you for your=20 password on each page. Once you log out or close your browser, this cookie = expires and=20 no longer has any effect. We also use longer-lasting cookies for other purp= oses such as to=20 display your e-mail address on our sign-in form, so that you don't need to = retype the e-mail=20 address each time you log in to your account.=20 We encode our cookies so that only we can interpret the information stored = in them. You are=20 free to decline our cookies if your browser permits, but doing so may inter= fere with your use=20 of our website. We may also collect information about your computer or othe= r access device=20 to mitigate risk and for fraud prevention purposes.=20 You may encounter cookies from third parties when using the PayPal Services= on websites=20 that we do not control (for example, if you view a web page created by a th= ird party or=20 use an application developed by a third party, there may be a cookie placed= by that=20 web page or application.) How we protect and store personal information=20 Throughout this policy, we use the term "personal information" to describe = information that=20 can be associated with a specific person and can be used to identify that p= erson. We do=20 not consider personal information to include information that has been anon= ymized so that=20 it does not identify a specific user.=20 We store and process your personal information on our computers in the US a= nd elsewhere=20 in the world where PayPal facilities are located, and we protect it by main= taining physical,=20 electronic and procedural safeguards in compliance with applicable US feder= al and state=20 regulations. We use computer safeguards such as firewalls and data encrypti= on, we enforce=20 physical access controls to our buildings and files, and we authorize acces= s to personal=20 information only for those employees who require it to fulfill their job re= sponsibilities.=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,=20 smooth, efficient, and customized experience. We may use your personal info= rmation to: - 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=20 website and applications; - deliver targeted marketing, service update notices, and promotional offer= s based on=20 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=20 without your explicit consent. We may combine your information with informa= tion we=20 collect from other companies and use it to improve and personalize the PayP= al Services,=20 content and advertising. If you don't wish to receive marketing communicati= ons from us=20 or participate in our ad-customization programs, simply indicate your prefe= rence by=20 logging into your account and going to the Profile subtab under the My Acco= unt tab and=20 adjusting your preferences under Account Information, or by following the d= irections=20 provided with the communication or advertisement. 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. Your contact information= , date of sign-up, the number of payments you have received from verified PayPal users, and wh= ether you have verified control of a bank account are provided to other PayPal users who y= ou transact with through PayPal. In addition, this and other information may also be shared = with third parties when you use these third 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 If you are buying goods or services and pay through PayPal, we may also pro= vide the seller with your confirmed credit card billing address to help complete your trans= action with the seller. The seller is not allowed to use this information to market their s= ervices to you unless 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 unsuccessful payment. To facil= itate 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=20 payments from or to you using PayPal. In doing so, a third party may share= =20 information about you with us, such as your email address or mobile phone n= umber=20 to inform you that a payment is sent to you or when you attempt to pay that= =20 merchant or through that third party. We use this information to confirm to= that you=20 are a PayPal customer and that PayPal as a form of payment can be enabled, = or=20 where a payment is sent to you to send you notification that you have recei= ved a=20 payment. Also, if you request that we validate your status as a PayPal cust= omer=20 with a third party, we will do so. Please note that merchants you buy from = and=20 contract with have their own privacy policies, and PayPal may not be held= =20 responsible for their operations, including, but not limited to, their info= rmation 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 the third parties = that offer or use the PayPal Services, except with your express permission or if we are r= equired 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: - Members of the eBay Inc. corporate family -- like eBay, Shopping.com or Bill Me Later, Inc.-- to provide joint content, products and services (like= registration, transactions and customersupport), to help detect and prevent potentially i= llegal acts and violations of our policies, and toguide decisions about their products, ser= vices and communications. Members of our corporatefamily will use this information to= send you marketing communications only if you have requested their services. - Service providers under contract who help with parts of our business oper= ations such as=20 fraud prevention, bill collection, marketing, and technology services. Our = contracts dictate=20 that theseservice providers only use your information in connection with th= e services they=20 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=20 the PayPal Plus credit card where we share information with GE Money Bank t= o determine whether you should receive pre-approved offers for the PayPal Plus credit c= ard. These=20 financial institutions may only use this information to market PayPal-relat= ed products,=20 unless you have 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 inclusi= on on their list of terminated merchants (in the event that you meet their criteria which inclu= des having=20 PayPal close your PayPal Account due to your breach of the PayPal User Agre= ement).=20 - Companies that we plan to merge with or be acquired by. (Should such a co= mbination occur,=20 we will require that the new combined entity follow this privacy policy wit= h respect to your=20 personal information. If your personal information could be used contrary t= o this policy, you=20 will receive prior 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 lega= l 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= is necessary to=20 prevent physical harm or financial loss, to report suspected illegal= activity, or to=20 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=20 marketing purposes and only shares your personal information with third par= ties=20 as described in this policy.=20 If you open a PayPal account directly on a third party website or via a thi= rd party=20 application, any information that you enter on that website or application = (and not=20 directly on a PayPal website) will be shared with the owner of the third pa= rty website=20 or application and your information may be subject to their privacy policie= s.=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=20 certain instances. However, these laws also state that you cannot restrict = other types=20 of sharing. Because we have chosen to refrain from certain types of data sh= aring, the=20 only type of sharing of your personal information that you may restrict is = as follows:=20 If you do not want PayPal to share your personal information with eBay comp= anies for=20 the purpose of marketing their products or with other financial institution= s for the=20 purpose of marketing our jointly offered products to you, please log in to = your account=20 and uncheck the box in the Information Sharing section of the Notifications= and=20 Information Sharing page. This page can be accessed by going to the Profile= subtab=20 under the My Account tab.=20 You can also control how we use your contact information to market the PayP= al=20 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=20 account and clicking the Profile subtab under the My Account tab. 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=20 form or writing to us at PayPal, Attn: Privacy Department, P.O. Box 45950, = Omaha, NE=20 68145-0950. PayPal maintains offices at 2211 N. First Street, San Jose, CA. >> https://www.paypal.com/us/ewf/f=3Dci_prv PayPal is a TRUSTe licensee. If after contacting PayPal our response to you= r privacy concern=20 is unsatisfactory, then you may contact TRUSTe by completing the form locat= ed here: https://www.paypal.com/cgi-bin/webscr?cmd=3D_pp-redir&id=3DMBHMDTBERX3FPW4W= .=20 TRUSTe will serve as a liaison to PayPal to resolve your concerns regarding= our privacy=20 practices. Please note that TRUSTe will not intervene for any other type of= issue=20 with your account. ___________________________________________________________________________= ______=20 ANNUAL ERROR RESOLUTION NOTICE=20 The purpose of this notice is to provide you with important information abo= ut reporting=20 errors in payments made using PayPal's services. You should keep this notic= e for=20 future reference.=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 PayPal account and clicking on the "Statements" link in the "My Account" tab ) = or your=20 transaction confirmation (which is sent to you via email) is wrong; - 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=20 PayPal account. You must notify us no later than 60 days after the error first appears in y= our account=20 statement. We will extend the 60-day time period if a good reason, such as = a=20 hospital stay, prevented you from notifying us within 60 days. For any type of error, you can telephone PayPal Customer Service at (402) 9= 38-3614.=20 You can also notify us in writing or online by following the instructions b= elow.=20 If the transaction does not involve a PayPal debit card, notify us by eithe= r: - 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-view&nav=3D0.4 =20=20=20=20=20=20 - Writing to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Oma= ha, NE 68145-0950. If the transaction involves your PayPal debit card, notify us by either: - Logging into your PayPal account, going to the "Account Overview" page an= d selecting the transaction details for the transaction you wish to dispute. Then follow = the directions=20 provided for disputing the transaction; or - Mailing the Written Statement of Disputed PayPal ATM/Debit Card Transacti= ons Form or other notice to PayPal, Attn: PayPal Debit Card Department, P.O. Box 45950, Oma= ha, NE 68145-0950, or faxing it to 303-395-2855. A link to the form can be found with the=20 directions provided for disputing the transaction as noted above. If you notify us orally, we may request that you send us your complaint or = question in writing=20 (by following the notification procedures described in the paragraphs above= ) within 10 business=20 days of providing us the oral notice.=20 When you notify us (orally or in writing), provide us with the following in= formation: - 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=20 as to why you believe it is incorrect or why you need more information to= identify the=20 transaction, and - The date and dollar amount of the suspected unauthorized transaction or o= ther error. During the course of our investigation, we may request additional informati= on from you. Once you notify us of a suspected error, we will investigate your complaint= or question=20 within 10 business days (or up to 20 business days for new accounts - accou= nts that=20 have 30 days or fewer since the date of their first transaction). If we nee= d more time,=20 we may take up to 45 days to complete our investigation (or up to 90 days f= or new=20 accounts, point of sale or foreign initiated transactions).=20 If we decide that we need more time to complete our investigation (as expla= ined=20 directly above), we will provisionally credit your account for the amount o= f=20 the suspected error. You will receive the provisional credit within 10 busi= ness=20 days of the date we received your notice (20 business days for new accounts= ).=20 This will allow you to have use of the money until we complete the investig= ation.=20 If we ask you to put your complaint or question in writing and we do not re= ceive=20 your written complaint or question within 10 business days (or 20 for new= =20 accounts), we will not provisionally credit your account. We will inform you of our decision within three business days after complet= ing our=20 investigation. If we determine that there was an error, we will promptly co= rrect=20 the error. If you have already received a provisional credit, you will be a= llowed=20 to retain those funds. If we decide that there was not an error, we will in= clude an=20 explanation of our decision in our email to you. If you received a provisio= nal=20 credit, we will remove it from your account. You may request copies of the= =20 documents that we used in our investigation.=20 For this purpose, our "business days" are Monday through Friday.=20 Holidays are 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) 2011 PayPal Inc. All rights reserved.=20 PayPal is located at 2211 N. First St., San Jose, CA 95131. =20 [[LS91NMY-LYYY-VEOW-GKBBSQH-YKBJT-M-M2-20110830-b366dd1d36792956b5]] ---_-_-_-_-_1234567890 Content-Type: text/html; charset=UTF-8 Content-Disposition: inline Content-Transfer-Encoding: quoted-printable Notice of Policy Updates 3D""3D""3D""
3D"PayPal"
3D""

=20=20 Dear Robert Lechevalier,

=20=20=20=20=20=20 Your privacy and trust are important to us, so we want to make sure y= ou know what we do to make PayPal the best way to pay and get paid online. = Part of that job is keeping your financial information private.

=20=20=20=20=20=20 Each year we send you a copy of our privacy policy to answer question= s and explain exactly how we collect, use and protect your information. Ple= ase look it over. You can also view the privacy policy online at any time b= y clicking the Privacy link at the bottom of any PayPal page.

We also want to make sure you know how to report unauthorized transac= tions or other errors in payments made using PayPal=E2=80=99s services. Ple= ase take a few minutes to review our annual Error Resolution Notice. It exp= lains what to do if you discover an error and outlines your rights for reso= lving issues. Please keep a copy for your records. For more information, pl= ease see section 12 of the PayPal User Agreement (Resolution Procedures for Unauthorized Transact= ions and Other Errors).

In an electronic world, online privacy and fraud protection are vital= . If you=E2=80=99d like to know more about how to protect yourself, the Pay= Pal Security Center offers a variety of powerful fraud-fighting tips, tools= , and technology. You can find the Security Center by clicking the Security= and Protection link at the top of any PayPal page or you can contact us wi= th questions through the Contact Us link at the bottom of any page.

=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 Michael Lee
Senior Manager of Global Privacy


=20=20=20=20=20=20 =20=20=20=20=20=20 =20=20=20=20=20=20 Courtney Koziol
Senior Manager of Regulatory Compliance


=20=20=20=20=20=20 =20=20=20=20=20=20 Privacy Policy for PayPal Services
Last Update: Jul 13, 2010

This policy describes the ways we collect, store, use and protect you= r personal information. You accept this policy when you sign up for or use = our products, services or any other features, technologies or functionaliti= es offered by us on our website or through any other means (collectively th= e =E2=80=9CPayPal Services"). We may amend this policy at any time by posti= ng a revised version on our website. The revised version will be effective = at the time we post it. In addition, if the revised=20 version includes a substantial change, we will provide you with 30 days=E2= =80=99 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 Policy, = eBay Inc. has established a set of Corporate Rules (also referred to as Bin= ding Corporate Rules), approved by a number of European Union privacy regul= ators. These Corporate Rules are a commitment by eBay Inc. to adequately pr= otect your personal information regardless of where the data resides, and d= epending upon your location, may provide additional privacy rights through = 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, we coll= ect your IP address and standard web log information, such as your browser = type and the pages you accessed on our website.

If you open an account or use the PayPal Services, we may collect the= following types of information:

      •     &= nbsp;Contact information - your name, address, phone, email, Skype ID and o= ther similar
            &nb= sp;information.
=20       •     &= nbsp;Financial information - the full bank account numbers and/or credit ca= rd numbers that
            &n= bsp;you link to your PayPal account or give us when you use the PayPal Serv= ices.

Before permitting you to use the PayPal Services, we may require you = to provide additional information we can use to verify your identity or add= ress or manage risk, such as your date of birth, social security number or = other information. We may also obtain information about you from third part= ies such as credit bureaus and identity verification services.

=20=20=20=20=20=20 When you are using the PayPal Services, we collect information about = your transactions and your other activities on our website or using the Pay= Pal Services and we may collect information about your computer or other ac= cess device for fraud prevention purposes.

=20=20=20=20=20=20 Finally, we may collect additional information from or about you in o= ther ways such as contacts with our customer support team or results when y= ou respond to a survey from interactions with members of the eBay Inc. corp= orate family, and from other companies.

How we use cookies

When you access our website, we, or companies we hire to track how ou= r website is used, may place small data files called "cookies" on your comp= uter. We and our service providers also use cookies to customize the PayPal= Services, content and advertising; measure promotional effectiveness, and = promote trust and safety.

We send a "session cookie" to your computer when you log in to your a= ccount or otherwise use the PayPal Services. This type of cookie helps us t= o recognize you if you visit multiple pages on our site during the same ses= sion, so that we don=E2=80=99t need to ask you for your password on each pa= ge. Once you log out or close your browser, this cookie expires and no long= er has any effect.
We also use longer-lasting cookies for other purposes such as to disp= lay your e-mail address on our sign-in form, so that you don't need to rety= pe the e-mail address each time you log in to your account.

=20=20=20=20=20=20 We encode our cookies so that only we can interpret the information s= tored in them. You are free to decline our cookies if your browser permits,= but doing so may interfere with your use of our website. We may also colle= ct information about your computer or other access device to mitigate risk = and for fraud prevention purposes.

=20=20=20=20=20=20 You may encounter cookies from third parties when using the PayPal Se= rvices on websites that we do not control (for example, if you view a web p= age created by a third party or use an application developed by a third par= ty, there may be a cookie placed by that web page or application.)

How we protect and store personal informat= ion

Throughout this policy, we use the term "personal information" to des= cribe information that can be associated with a specific person and can be = used to identify that person. We do not consider personal information to in= clude information that has been anonymized so that it does not identify a s= pecific user.

=20=20=20=20=20=20 We store and process your personal information on our computers in th= e US and elsewhere in the world where PayPal facilities are located, and we= protect it by maintaining physical, electronic and procedural safeguards i= n compliance with applicable US federal and state regulations. We use compu= ter safeguards such as firewalls and data encryption, we enforce physical a= ccess controls to our buildings and files, and we authorize access to perso= nal information only for those employees who=20 require it to fulfill their job responsibilities.

How we use the personal information we col= lect

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

      •     &= nbsp;provide the PayPal Services and customer support you request;
      •     &= nbsp;process transactions and send notices about your transactions;
      •     &= nbsp;resolve disputes, collect fees, and troubleshoot problems;
      •     &= nbsp;prevent potentially prohibited or illegal activities, and enforce our = User Agreement;
      •     &= nbsp;customize, measure, and improve the PayPal Services and the content an= d layout of our
            &nb= sp;website and applications;
      •     &= nbsp;deliver targeted marketing, service update notices, and promotional of= fers based on your
            &= nbsp;communication preferences;
      •     &= nbsp;compare information for accuracy and verify it with third parties.

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 y= ou don't wish to receive marketing communications from us or participate in= our ad-customization programs, simply indicate your preference by logging = into your account and going to the Profile=20 subtab under the My Account tab and adjusting your preferences under Accoun= t Information, or by following the directions provided with the communicati= on or advertisement.

How we share personal information with oth= er PayPal users

To process your payments, we may share some of your personal informat= ion with the person or company that you are paying or that is paying you. Y= our contact information, date of sign-up, the number of payments you have r= eceived from verified PayPal users, and whether you have verified control o= f a bank account are provided to other PayPal users who you transact with t= hrough PayPal. In addition, this and other information may also be shared w= ith 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 al= so provide the seller with your confirmed credit card billing address to he= lp complete your transaction with the seller. The seller is not allowed to = use this information to market their services to you unless you have agreed= to it. If an attempt to pay your seller fails, or is later invalidated, we= may also provide your seller with details of the unsuccessful payment. To = facilitate dispute resolutions, we may=20 provide a buyer with the seller=E2=80=99s address so that goods can be retu= rned to the seller.

=20=20=20=20=20=20 We work with third parties, including merchants, to enable them to ac= cept or facilitate payments from or to you using PayPal. In doing so, a thi= rd party may share information about you with us, such as your email addres= s or mobile phone number to inform you that a payment is sent to you or whe= n you attempt to pay that merchant or through that third party. We use this= information to confirm to that you are a PayPal customer and that PayPal a= s 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 Regardless, we will not disclose your credit card number or bank acco= unt number to anyone you have paid or who has paid you through PayPal or wi= th the third parties that offer or use the PayPal Services, except with you= r express 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 oth= er parties

We may share your personal information with:

      •     &= nbsp;Members of the eBay Inc. corporate family -- like eBay, Shopping.com o= r Bill Me Later, Inc.--
            &= nbsp; to provide joint content, products and services (like registration, t= ransactions and
            &= nbsp; customer support), to help detect and prevent potentially illegal act= s and violations
=20             &= nbsp; of our policies, and to guide decisions about their products, service= s and communications.
            &= nbsp; Members of our corporate family will use this information to send you= marketing
=20             &= nbsp; communications only if you have requested their services.
      •     &= nbsp;Service providers under contract who help with parts of our business o= perations such as
=20             &= nbsp;fraud prevention, bill collection, marketing, and technology services.= Our contracts
            &= nbsp;dictate that these service providers only use your information in conn= ection with the
=20             &= nbsp;services they perform for us and not for their own benefit.
      •     &= nbsp;Financial institutions that we partner with to jointly create and offe= r a product such as the
            &= nbsp;PayPal Plus credit card where we share information with GE Money Bank = to determine
=20             &= nbsp;whether you should receive pre-approved offers for the PayPal Plus cre= dit card. These
=20             &= nbsp;financial institutions may only use this information to market PayPal-= related products,
=20             &= nbsp;unless you have given consent for other uses.
      •     &= nbsp;Credit bureaus to report account information, as permitted by law.
      •     &= nbsp;Banking partners as required by credit card association rules for incl= usion on their list of
            &= nbsp;terminated merchants (in the event that you meet their criteria which = includes having PayPal
            &= nbsp;close your PayPal Account due to your breach of the PayPal User Agreem= ent).
      •     &= nbsp;Companies that we plan to merge with or be acquired by. (Should such a= combination occur,
=20             &= nbsp;we will require that the new combined entity follow this privacy polic= y with respect to your
            &= nbsp;personal information. If your personal information could be used contr= ary to this policy,
=20             &= nbsp;you will receive prior notice.)
      •     &= nbsp;Law enforcement, government officials, or other third parties when
            &= nbsp;     ○     we = are compelled to do so by a subpoena, court order or similar legal procedur= e
            &= nbsp;     ○     we = need to do so to comply with law or credit card rules
            &= nbsp;     ○     we = believe in good faith that the disclosure of personal information is necess= ary to
=20             &= nbsp;           &nbs= p;prevent physical harm or financial loss, to report suspected illegal acti= vity, or to investigate
            &= nbsp;           &nbs= p;violations of our User Agreement.
      •     &= nbsp;Other third parties with your consent or direction to do so.

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.

=20=20=20=20=20=20 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 = or application (and not directly on a PayPal website) will be shared with t= he owner of the third party website or application and your information may= be subject to their privacy policies.

How you can restrict PayPal from sharing y= our personal information

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

=20=20=20=20=20=20 If you do not want PayPal to share your personal information with eBa= y companies for the purpose of marketing their products or with other finan= cial institutions for the purpose of marketing our jointly offered products= to you, please log in to your account and uncheck the box in the Informati= on Sharing section of the Notifications and Information Sharing page. This = page can be accessed by going to the Profile subtab under the My Account tab.

=20=20=20=20=20=20 You can also control how we use your contact information to market th= e PayPal Services to you in the notifications preferences.

How you can access or change your personal= information

You can review and edit your personal information at any time by logg= ing in to your account and clicking the Profile subtab under the My Account tab.

How you can contact us about privacy quest= ions

=20 If you have questions or concerns regarding this policy, you should c= ontact 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 is a TRUSTe licensee. If after contacting PayPal our response = to your privacy concern is unsatisfactory, then you may contact TRUSTe by c= ompleting the form located here. TRUSTe will serve as a liaison to PayPal to resolve your concern= s regarding our privacy practices. Please note that TRUSTe will not interve= ne for any other type of issue with your account.


_____________________________________________________________________= ____________

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

The purpose of this notice is to provide you with important informati= on about reporting errors in payments made using PayPal=E2=80=99s services.= You should 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:

      •     &= nbsp;your account statement (you can access your account statement by loggi= ng into your PayPal
            &= nbsp;account and clicking on the =E2=80=9DStatements=E2=80=9D link in the = =E2=80=9CMy Account=E2=80=9D tab ) or your transaction
            &= nbsp;confirmation (which is sent to you via email) is wrong;
      •     &= nbsp;you need more information about a transaction listed on the statement = or transaction
            &= nbsp;confirmation; or
      •     &= nbsp;there has been an unauthorized transaction, other error or unauthorize= d access to your PayPal
            &= nbsp;account.

You must notify us no later than 60 days after the error first appear= s in your account statement. We will extend the 60-day time period if a go= od 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 th= e instructions below.

=20 If the transaction does not<= /strong> involve a PayPal debit card, notify us by either:

      •     &= nbsp;Using the form available in the PayPal Resolution Center
            &= nbsp;https://www.paypal.com/cgi-bin/marketingweb?cmd=3D_complaint-view&nav=3D0.= 4 to file an
            &= nbsp;unauthorized transaction report, or
      •     &= nbsp;Writing to PayPal, Attn: Error Resolution Department, P.O. Box 45950, = Omaha, NE 68145-0950.

If the transaction involves your PayPal debi= t card, notify us by either:

      •     &= nbsp;Logging into your PayPal account, going to the =E2=80=9CAccount Overvi= ew=E2=80=9D page and selecting the
            &= nbsp;transaction details for the transaction you wish to dispute. Then fol= low the directions provided for
            &= nbsp;disputing the transaction; or
      •     &= nbsp;Mailing the Written Statement of Disputed PayPal ATM/Debit Card Transa= ctions Form or other
            &= nbsp;notice to PayPal, Attn: PayPal Debit Card Department, P.O. Box 45950, = Omaha, NE 68145-0950,
            &= nbsp;or faxing it to 303-395-2855. A link to the form can be found with th= e directions
            &= nbsp;provided for disputing 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 follow= ing information:

      •     &= nbsp;Your name and email address you used to register your account, and
      •     &= nbsp;A description of the suspected unauthorized transaction or other error= and an explanation as to
            &= nbsp;why you believe it is incorrect or why you need more information to id= entify the transaction, and
      •     &= nbsp;The date and dollar amount of the suspected unauthorized transaction o= r other error.

During the course of our investigation, we may request additional inf= ormation from you.

Once you notify us of a suspected error, we will investigate your com= plaint or question within 10 business days (or up to 20 business days for n= ew 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 = to complete our investigation (or up to 90 days for new accounts, point of = sale or foreign initiated transactions).

If we decide that we need more time to complete our investigation (as= explained directly above), we will provisionally credit your account for t= he amount of the suspected error. You will receive the provisional credit w= ithin 10 business days of the date we received your notice (20 business day= s for new accounts). This will allow you to have use of the money 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.

We will inform you of our decision within three business days after c= ompleting our investigation. If we determine that there was an error, we w= ill promptly 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 em= ail to you. If you received a provisional credit, we will remove it from yo= ur account. You may request copies of the=20 documents that we used in our investigation.

For this purpose, our "business days" are Monday through Friday. Holi= days are not included as business days. =20=20
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3D"" Please do not reply to this email. We are unable to respond to= inquiries sent to this address. For immediate answers to your questions, v= isit our Help Center by clicking "Help" at the top of any PayPal page.

Copyright © 2011 PayPal Inc. All rights reserved. PayPal is located at= 2211 N. First St., San Jose, CA 95131. 		3D""
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