Privacy Policy

This Privacy Policy applies to PayPal and aims to provide you with sufficient information regarding our use of your Personal Information when you visit our website, apply for, or use our services (collectively, the “Services”). We encourage you to read this Privacy Policy and to use it to help you make informed decisions.

We update this Privacy Policy from time to time to reflect changes to our business, Services, or applicable laws. If the updated version requires notice in accordance with applicable law, we will provide you with 30 days prior notice by posting notice of the change on the "Policy Updates" or "Privacy Policy" page of our website, otherwise the updated Privacy Policy will be effective as of the published effective date.  

Non - account holder - 

Individuals who do not have a PayPal account or profile can still access our Services. Personal Information will be collected from non-account holders when they use our Services, such as when they use our Services without a PayPal account, use Unbranded Payment Services or when they receive a payment through our Services from account holders "Recipient". This information may be connected to your account if you have one when using the Service without logging in, or if you create an account later. With your consent, we may also store your credit card information for future use.

When you make purchases on Partner and Merchant websites, the partner or merchant may share Personal Information with PayPal, which will be used in accordance with this Privacy Statement and the relevant PayPal user agreement.  

How is Personal Information utilized?

We may handle your Personal Information for various purposes, including providing our Services, ensuring security and preventing fraud, and complying with legal requirements. We may also utilize personal data, with your consent, to engage in certain optional features that may be of interest to you, such as syncing your contact list to your account, targeted advertising, or connecting to a third-party platform.

We may gather Personal Information to 

Deliver our Services: such as assisting you in sending or requesting money, initiating a payment, adding funds to an account, paying a bill, managing your purchases, displaying your account information, evaluating your creditworthiness in relation to our Services, verifying your identity and contact details, authenticating your account access, and confirming the accuracy and currency of your Account and financial information.Provide receipts for Zettle services: For buyers utilizing our Zettle services, you have the option to provide us with your contact information so that we can send you digital receipts.

Manage and enhance our Services: for instance, to develop new products and features, perform customer analysis, administer our Services, and handle internal operations such as troubleshooting, data analysis, testing, research, and statistical purposes.

Manage fraud and risk: We carry out risk analysis, fraud prevention, and risk management measures to safeguard our customers and business, including addressing fraud involving our Partners and Merchants, as well as strategic ventures.

Link information about you  if you use our Services without a PayPal account , we may connect such transactions to your account, if you have one or establish an account later on.

Promote our Services: We may utilize Personal Information to market our Services, including when we collaborate with others to offer similar services, and to inform you about our Partners and Merchants. We use Personal Information to gain a better understanding of your interests and cater to them.

Communicate with you: We may reach out to you when you require assistance, such as responding to a question you submitted to our customer service team. 

Do We Share Personal Information, and why?

We do not trade Personal Information with third parties for money or disclose your Personal Information for cross-context behavioral advertising, including any Sensitive Personal Information.

However, we will share your Personal Information with third parties to assist us in providing Services, safeguarding our customers from risk and fraud, promoting our products, and complying with legal obligations.

Furthermore, we may share Personal Information with:

PayPal and PayPal Companies, including our brands like Venmo, to offer you the Services and manage our business or with PayPal Honey to manage our Rewards program.

Authorities, when accompanied by a subpoena or other legal documentation that necessitates PayPal or PayPal Companies to respond. These authorities may include courts, governments, law enforcement, and regulators. We may also need to provide other third parties with information about your use of our Services, such as to comply with card association rules, investigate or enforce violations of our user agreement, or prevent physical harm or illegal activity.

Other financial institutions, to jointly provide a product, such as PayPal Credit, PayPal Savings, PayPal Cashback Mastercard, and PayPal Extra Mastercard.

Card networks and payment processors, to facilitate payment processing or add cards to your digital wallet.

Fraud prevention and identity verification agencies, for example, to assist us in detecting suspicious activities.

Credit reporting and debt collection agencies, for example, to collect unpaid debts through a third party like a debt collection agency.

Service providers that operate under our guidance and on our behalf to perform outsourced services, such as payment processing, marketing, research, compliance, audits, corporate governance, communications, IT development, maintenance, hosting and support, and customer service operations.