CraftTicle Creations

This User Agreement ("Agreement") is a contract between you and PayPal and

applies to your use of PayPal's Services. You must read, agree with and accept all

of the terms and conditions contained in this Agreement. In addition, you must

page.

We may amend this Agreement at any time by posting a revised version on our

website. The revised version will be effective at the time we post it. In addition, if

the revised version includes a Substantial Change, we will provide you with 30

Days' prior notice of Substantial Change by posting notice on the "Policy Updates"

User Agreement

(PDF - 383 KB).

User Agreement

(HTML).

To view PDF documents

This Agreement contains fifteen sections, and you may jump directly to any section by selecting the

appropriate link below. The headings and subheadings below are for reference only and do not limit the scope

of each section. Some capitalized terms have specific definitions, and we have provided them in section 15.

You will also find underlined words in this Agreement and on our website that hyperlink to relevant information.

User Agreement - PayPal Page 1 of 26

accept payments from third parties. PayPal is an independent contractor for all purposes, except

that PayPal acts as your agent only with respect to the custody of your funds. PayPal does not

have control of or liability for the products or services that are paid for with our Service. We do not

guarantee the identity of any User or ensure that a buyer or a seller will complete a transaction.

use and disclosure of your Information.

you must keep the Information confidential and only use it in connection with the Service. You

may not disclose or distribute a PayPal User's Information to a third party or use the Information

for marketing purposes unless you receive the User's express consent to do so.

described in our website are either trademarks or registered trademarks of PayPal or its licensors.

You may not copy, imitate or use them without PayPal's prior written consent. In addition, all page

headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade

dress of PayPal. You may not copy, imitate, or use them without our prior written consent. You

may use HTML logos provided by PayPal through our merchant services, auction tools features

or affiliate programs without prior written consent for the purpose of directing web traffic to the

Service. You may not alter, modify or change these HTML logos in any way, use them in a

manner that is disparaging to PayPal or the Service or display them in any manner that implies

PayPal's sponsorship or endorsement.

Agreement without PayPal's prior written consent. PayPal reserves the right to transfer or assign

this Agreement or any right or obligation under this Agreement at any time.

website, emailing it to the email address listed in your Account, or mailing it to the street address

listed in your Account. Such notice shall be considered to be received by you within 24 hours of

the time it is posted to our website or email to you unless we receive notice that the email was not

delivered. If the notice is sent by mail, we will consider it to have been received by you three

Business Days after it is sent. You may request a paper copy of any legally required disclosures

and you may terminate your consent to receive required disclosures through electronic

communications by contacting PayPal as described in section 1.7 below. PayPal will charge you a

Records Request Fee (per section 8) to provide a paper copy. PayPal reserves the right to close

your Account if you withdraw your consent to receive electronic communications.

Transactions) and section 14 (Disputes with PayPal), notice to PayPal must be sent by postal

mail to: PayPal, Inc., Attention: Legal Department, 2211 North First Street, San Jose, California

95131.

your Account and clicking on the "History" tab.

unauthorized transactions, stop-payment rights and procedures, error resolution rights and

procedures, Fees, contact information, our Business Days, limitations we may impose on

transfers, and your rights to statements of your transaction history, constitute disclosures under

telephone), you consent to receiving autodialed and prerecorded message calls from PayPal at

that number.

applies only to Users who are residents of the United States. If you are a resident of another

country, you may access your agreement from our website in your country (if applicable).

User Agreement - PayPal Page 2 of 26

Personal, Premier and Business Accounts. You may only hold one Personal Account and either

one Premier or one Business Account. By opening a Premier or Business Account and accepting

the terms as outlined in this Agreement, you attest that you are not establishing the Account

primarily for personal, family, or household purposes.

inquiries we consider necessary to validate your identity. This may include asking you for further

information, requiring you to take steps to confirm ownership of your email address or financial

instruments, ordering a credit report and verifying your Information against third party databases

or through other sources.

send through our Service. You can view your sending limit, if any, by logging into your Account

and clicking on the View Limits link on the Account Overview page. If you have a Verified

Account, we may increase the amount of, or remove, your sending limits.

your transaction in this order:

a. Balance

b. Instant Transfer from your bank account

c. PayPal Credit

d. Debit card

e. Credit card

f. eCheck

it before making a payment.

do so in these instances:

a. Each time you make a payment. Each time you make a payment, you may select a

Preferred Payment Source. You may do so on the “Review Your Payment” page by

clicking on the link to change your payment method and selecting from the available

payment options.

b. In your Account Profile – Recurring Payments. If you have set up a Recurring or

Automatic Payment, or authorized a merchant to charge your PayPal Account, you may

select a Preferred Payment Source for all future payments to the merchant. You may do

so by logging in to your Account, selecting “Profile”, selecting “Recurring Payments” or

“Pay List”, and then by selecting the links to set a Preferred Payment Source (may be

called “Backup Payment Source”).

c. In your Account Profile – PayPal Credit. If you have a PayPal Credit product, you may

select it as your Preferred Payment Source for all future payments that you make through

PayPal. You may do so by logging in to your Account, selecting “Profile”, selecting your

PayPal Credit product, and then by selecting the links to set it as a Preferred Payment

Source.

d. Limitations. If you have a Balance in your PayPal Account, PayPal will use your Balance

instead of your Preferred Payment Source, unless your Preferred Payment Source is

PayPal Credit or eCheck.

e. Quick Pay. If you select “Quick Pay” for your PayPal Mobile payments, you will not be able

to select a Preferred Payment Source for your future PayPal Mobile payments made with

Quick Pay. You may cancel your “Quick Pay” setting at any time from your mobile phone.

Sources available for a transaction. If we limit the Payment Sources, we will alert you that there is

a higher-than-normal level of risk associated with the payment. Such a notice does not mean that

either party to the transaction is acting in a dishonest or fraudulent manner. It means there may

be a higher-than-normal level of risk associated with the transaction. You may choose to continue

with the transaction with the understanding that you may have fewer avenues available for

dispute resolution should the transaction turn out to be unsatisfactory.

you initiate an Add Funds transaction, you are requesting an electronic transfer from your bank

account. For these transactions, PayPal will make electronic transfers via ACH from your bank

User Agreement - PayPal Page 3 of 26

account in the amount you specify. You agree that such requests constitute your authorization to

PayPal to make the transfers, and once you have provided your authorization for the transfer, you

will not be able cancel the electronic transfer. You give PayPal the right to resubmit any ACH

debit you authorized that is returned for insufficient or uncollected funds.

agree that you will not hold PayPal liable for any damages resulting from a recipient's decision not

to accept a payment made through the Service. We will return any unclaimed, refunded or denied

payment to your Balance within 30 Days of the date you initiate payment.

providing an Authorization to the merchant to process your payment and complete the

transaction. The payment will be held as pending until the merchant processes your payment.

Some merchants may delay processing your payment. In such an instance, your Authorization will

remain valid for up to 30 Days. If your payment requires a currency conversion, the amount of the

Exchange Rate & Fee (per section 8) will be determined at the time the merchant processes your

payment and completes the transaction.

to directly charge your PayPal account on a one-time, regular, or sporadic basis. An example of a

Recurring Payment is signing up for a service where you agree to allow a merchant to directly

charge your PayPal account each month for a particular service you have purchased. Recurring

Payments are sometimes called “subscriptions”, “preapproved payments, or “automatic

payments".

Instant Transfer or eCheck, you have the right to contact the merchant and insist on 10 Days

advance notice before the payment is made, if the amount of the payment may vary. This is

designed to protect you from having insufficient funds in your bank account. By establishing a

Recurring Payment, you are agreeing to receive this advance notice only when your total

payments to a merchant exceed the limit established between you and the merchant.

Business Days prior to the date the payment is scheduled to be made. To cancel a Recurring

Payment, log in to your Account, access the My Account tab, then access the Profile tab, then

access the Financial Information column and click on either “Pay List” or “Recurring Payments”

and follow the instructions to cancel the payment. Please keep in mind that Recurring Payments

are sometimes referred to as "subscriptions" or "preapproved payments". In addition, if you cancel

a Recurring Payment you may still be liable to the merchant for the payment and be required to

pay the merchant through alternative means.

has requested a currency that is different than your primary currency, you will need to specify

whether you want to pay the merchant in the merchant's requested currency, or in your primary

currency (in some cases, the merchant may not give you a choice). If you send money in a

currency that is not your primary currency, we follow these practices:

a. If you have a Balance in the requested currency, we will fund your transaction from your

Balance.

b. If you have a Balance in a different currency, we will perform a currency conversion and

use it to fund your transaction.

c. If you do not have a Balance, we will fund your transaction through your Default Payment

Sources.

d. If you are using your PayPal Debit Card or PayPal Virtual Debit Card your transaction will

be funded with your U.S. dollar Balance, even if you have a Balance in another currency.

Any required currency conversion will be performed by Visa, MasterCard, or a similar third

party and may be subject to a fee by that third party.

The Exchange Rate & Fee in section 8 of this Agreement will apply whenever PayPal performs a

currency conversion.

through your mobile phone. PayPal Mobile is not available in all countries. If you use PayPal

Mobile you are responsible for any fees that your phone service provider charges for SMS, data

services, etc. Your phone service provider is not the provider of the PayPal Services.

either the ATM debit network or the Visa/MasterCard network. If you would like to have your

transaction processed through the Visa/MasterCard network, you may do so each time you make

a payment by clicking the “Funding Sources” or “Payment Sources” link on the payment

confirmation page.

User Agreement - PayPal Page 4 of 26

payments on the internet everywhere that MasterCard is accepted - including websites that do not

accept PayPal. The PayPal Plug-In works by issuing you a unique 16 digit number and an

expiration date (called a “secure card”) that you can use to make a purchase. The secure card

cannot be used for any purchases where a physical card must be presented to a merchant for

payment. When you use the PayPal Plug-In to send a payment, the payment will be funded from

your Balance, bank account or PayPal Credit. You may not use a debit card or credit card as a

Payment Source when sending a payment with PayPal Plug-in.

more than $500.00 USD per month in funds when the sender selects as the "category of

purchase": (a) eBay item, (b) auction goods, or (c) goods-other. Once you have received $500.00

USD in a month, we will place subsequent payments in pending status, and you will be required

to upgrade to a Premier or Business Account to accept the pending payments.

Balance/Bank Funded Payments for free, and up to 5 Card Funded Payments per 12 month

period for a Fee, except that you may not receive Card Funded Payments into a Personal

Account for an eBay transaction. If you have a Premier or Business Account, you may receive an

unlimited number of Card Funded Payments. Please note that all payments received by a Premier

or Business Account will be subject to a Fee in accordance with section 8 of this Agreement.

must follow these requirements:

a. Accept PayPal if the eBay listing includes PayPal as a payment method.

b. Accept all PayPal Payment sources from a buyer, including but not limited to eCheck and

credit cards.

c. Have a Premier or Business account or be willing to upgrade to a Premier or Business

account upon receipt of a payment.

d. Accept international PayPal transactions if the eBay listing offers shipping outside the US.

e. Sellers may not charge a surcharge for accepting PayPal as a payment method.

high-risk transactions. If a payment is subject to Payment Review, PayPal will place a hold on the

payment and provide notice to the seller to delay shipping the item. PayPal will conduct a review

and either clear or cancel the payment. If the payment is cleared, PayPal will provide notice to the

seller to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned

to the buyer. All payments that clear Payment Review will be Seller Protection Policy eligible if

they meet the Seller Protection Policy requirements. PayPal will provide notices to you by email

and/or in the Transaction History tab of your PayPal account.

to PayPal for the full amount of the payment plus any Fees if the payment is later invalidated for

any reason. This means that, in addition to any other liability, you will be responsible for the

amount of the payment, plus the applicable Fees listed in section 8 of this Agreement if you lose a

Claim or a Chargeback, or if there is a Reversal of the payment.

you agree to allow PayPal to recover any amounts due to PayPal by debiting your Balance. If

there are insufficient funds in your Balance to cover your liability, you agree to reimburse PayPal

through other means. If a sender of a payment files a Chargeback, the credit card company, not

PayPal, will determine who wins the Chargeback.

accepting PayPal as a payment method. You may charge a handling fee in connection with the

sale of goods or services, as long as the handling fee does not operate as a surcharge and is not

higher than the handling fee you charge for non-PayPal transactions.

Premier or Business Account by directing buyers paying with a credit card to send payments to

your Premier or Business Account, and buyers paying with their Balance or bank account to send

payments to your Personal Account. If you do so, we will charge you the Fees that would have

applied to a Business or Premier Account.

particular currency to accept payments sent in that currency. If you already maintain a Balance in

the currency in which you receive a payment, we will credit all payments received in that currency

User Agreement - PayPal Page 5 of 26

to your Balance. If you receive a payment in a currency for which you do not have a Balance, the

payment will remain pending and we will ask you to manually accept or deny the payment unless

you have a Premier or Business Account and have already established a preference in your

Profile to automatically accept payments in that currency.

make or receive, and it is your responsibility to collect, report and remit the correct tax to the

appropriate tax authority. PayPal is not responsible for determining whether taxes apply to your

transaction, or for collecting, reporting or remitting any taxes arising from any transaction.

payments. If you do hold a Balance, PayPal will hold your funds separate from its corporate

funds, will not use your funds for its operating expenses or any other corporate purposes and will

not voluntarily make your funds available to its creditors in the event of bankruptcy. While your

funds are in our custody, unless you enroll in the Money Market Fund sweep, PayPal will combine

your funds with the funds of other Users and place those Pooled Accounts in one or more bank

accounts in PayPal's name. Balances in U.S. Dollars that are held in Pooled Accounts may be

eligible for FDIC pass-through insurance.

earnings on the funds that PayPal handles as your agent and places in Pooled Accounts. In

consideration for your use of the Service, you irrevocably transfer and assign to PayPal any

ownership right that you may have in any interest that may accrue on funds held in Pooled

Accounts. This assignment applies only to interest earned on your funds, and nothing in this

Agreement grants PayPal any ownership right to the principal of the funds you maintain with

PayPal. In addition to or instead of earning interest on Pooled Accounts, PayPal may receive a

reduction in fees or expenses charged for banking services by the banks that hold your funds.

you unless you enroll in the Money Market Fund. If you enroll in the Money Market Fund, PayPal's

subsidiary, PayPal Asset Management Inc., will act as your agent to use any U.S. Dollar Balance

in your Account on a daily basis to purchase shares in the Money Market Fund. In addition, all

Balance funded payments that you make will be funded by redeeming your shares in the Money

Account is negative for any reason, PayPal may setoff the negative Balance by using funds you

maintain in a different currency Balance, or by deducting amounts you owe PayPal from money

you receive into your Account, or money you attempt to withdraw or send from your Account. If

you have a negative balance for a period of 21 Days or longer, PayPal will convert your negative

Balance to U.S. dollars.

associated with maintaining Balances in multiple currencies. You agree that you will not attempt

to use multiple currencies for speculative trading.

subsidiary, or parent company (eBay), PayPal may debit your Account to pay any amounts that

are more than 180 days past due.

on and security interest in your Account.

bank account, requesting a physical check through the mail (U.S. Users only), or using your

PayPal Debit Card (eligible Users only). Generally, we will send checks only to Confirmed

Addresses, unless you have a Verified Account. We will not send checks to P.O. Boxes. If you

would like us to send a check to an address that does not meet these criteria, you must contact

Customer Service and provide the documentation that we request to verify your association with

the address. If you fail to cash a check within 180 Days of the date of issuance, we will return the

funds to your Balance (minus a Fee).

may limit you to withdrawing no more than $500.00 USD per month. You can view your

withdrawal limit, if any, by logging into your Account and clicking on the "View Limits" link on the

"Account Overview". In addition, we may delay withdrawals of large sums of money while we

screen for risk.

Balance, you will be able to choose from those when you withdraw funds, but the withdrawal will

User Agreement - PayPal Page 6 of 26

take place in your home currency. The Exchange Rate & Fees stated in section 8 of this

Agreement will apply if you withdraw your Balance in a currency other than your primary currency.

Account, clicking on the “Profile” tab, clicking on the “Close Account” link, and then following the

instructions. Upon Account closure, we will cancel any pending transactions and you will forfeit

any Balances associated with Redemption Codes, unless otherwise legally prohibited. You must

withdraw your Balance prior to closing your Account.

investigation. If you attempt to close your Account while we are conducting an investigation, we

may hold your funds for up to 180 Days to protect PayPal or a third party against the risk of

Reversals, Chargebacks, Claims, fees, fines, penalties and other liability. You will remain liable

for all obligations related to your Account even after the Account is closed.

years, PayPal may close your Account and send the Balance to your primary address. If PayPal

does not close your Account and the Account remains dormant, or if PayPal does close your

Account but your primary address is incorrect, PayPal may be required to escheat your Balance

to your state of residency. PayPal will determine your residency based on the state listed in your

primary address. If your address is unknown or registered as a foreign country, your funds will be

escheated to the state of Delaware. Where applicable, PayPal will send you a notice prior to

escheating or closing your Account. If you fail to respond to this notice, your Balance will be

escheated to the state. If you would like to claim your funds from the state, please contact your

states Unclaimed Property Administrator.

All Fees are in US Dollars.

Personal Account Fees:

Business or Premier Account Fees:

Receiving Balance/ Bank

Funded Payments Free

Receiving Card Funded

Payments (limited to 5 per

12 month period)

4.9% + $0.30 for domestic payments

5.9% + $0.30 for cross border payments

Withdrawing your Balance

Free to transfer to a bank*

$1.50 for a physical check*

*Plus the Exchange Rate & Fee if you are converting

currency.

Exchange Rate & Fee

The currency exchange rate is determined by PayPal based

on the current market price and includes a 2.5% Fee. This Fee

only applies when PayPal performs the currency conversion.

Sending Payments

(excluding Mass

Payments)

Free

Sending Payments

through Mass

Payments

2% up to a maximum of $1.00 per recipient.

Receiving Payments

(applies to all

payments)

Standard rates:

2.9% + $0.30 for domestic payments.

3.9% + $0.30 for cross border payments.

Merchant rates (based on monthly transaction volume and a onetime

application):

1.9% - 2.5% + $0.30 for domestic payments.

2.9% - 3.5% + $0.30 for cross border payments.

User Agreement - PayPal Page 7 of 26

PayPal Debit Card Fees:

Additional Fees:

Withdrawing your

Balance

Free to transfer to a bank*

$1.50 for a physical check*

*Plus the Exchange Rate & Fee if you are converting currency.

Chargeback Fee $10.00 unless you are protected by the Seller Protection Policy.

Exchange Rate & Fee

The currency exchange rate is determined by PayPal based on the

current market price and includes a 2.5% Fee. This Fee only

applies when PayPal performs the currency conversion.

ATM Withdrawal US

$1.00

(Plus any amounts charged by the ATM owner.)

Signature Withdrawal $3.00 if a signature is required.

Non-US ATM

Transaction

(Using an ATM machine

that is not in the US)

1%

This fee will apply even if the transaction does not require a

currency conversion.

Non-US Debit Card

Usage

(Making a purchase from

a seller that is not in the

US)

1%

This fee will apply even if the transaction does not require a

currency conversion.

Exchange Rate & Fee

The currency exchange rate is determined by PayPal based on

the current market price and includes a 2.5% Fee. This Fee only

applies when PayPal performs the currency conversion.

Credit Card and Debit Card

Confirmation Fee

$1.95

This amount will be refunded when you successfully complete

the credit card or debit card confirmation process.

Records Request Fee

$10.00 (per item)

We will not charge you for records requested in connection

with your good faith assertion of an error in your Account.

PayPal Plug-In 1% for cross border payments even if a currency conversion is

not required.

Services, or in the course of your interactions with PayPal, a User or a third party, you will not:

any other agreement that you have entered into with PayPal (including a Policy);

b. Violate any law, statute, ordinance, or regulation (for example, those governing financial

services, consumer protections, unfair competition, anti-discrimination or false

advertising);

c. Infringe PayPal’s or any third party’s copyright, patent, trademark, trade secret or other

intellectual property rights, or rights of publicity or privacy;

d. Use PayPal to sell counterfeit goods.

e. Act in a manner that is defamatory, trade libelous, unlawfully threatening or unlawfully

harassing;

User Agreement - PayPal Page 8 of 26

f. Provide false, inaccurate or misleading Information;

g. Send or receive what we reasonably believe to be potentially fraudulent funds;

h. Refuse to cooperate in an investigation or provide confirmation of your identity or any

Information you provide to us;

i. Attempt to double dip during the course of a dispute by receiving or attempting to receive

funds from both PayPal and the seller, bank, or credit card company for the same

transaction;

j. Use an anonymizing proxy;

k. Control an Account that is linked to another Account that has engaged in any of these

Restricted Activities.

l. Conduct your business or use the Services in a manner that results in or may result in

complaints, Disputes, Claims, Reversals, Chargebacks, fees, fines, penalties and other

liability to PayPal, a User, a third party or you;

m. Have a credit score from a credit reporting agency that indicates a high level of risk

associated with your use of the Services;

n. Use your Account or the Services in a manner that PayPal, Visa, MasterCard, American

Express or Discover reasonably believe to be an abuse of the credit card system or a

violation of credit card association rules;

o. Allow your Account to have a negative Balance;

p. Provide yourself a cash advance from your credit card (or help others to do so);

r. Disclose or distribute another Users Information to a third party, or use the Information for

marketing purposes unless you receive the Users express consent to do so;

s. Send unsolicited email to a User or use the Services to collect payments for sending, or

assisting in sending, unsolicited email to third parties;

t. Take any action that imposes an unreasonable or disproportionately large load on our

infrastructure;

u. Facilitate any viruses, Trojan horses, worms or other computer programming routines that

may damage, detrimentally interfere with, surreptitiously intercept or expropriate any

system, data or Information;

v. Use any robot, spider, other automatic device, or manual process to monitor or copy our

website without our prior written permission;

w. Use any device, software or routine to bypass our robot exclusion headers, or interfere or

attempt to interfere, with our website or the Services;

x. Take any action that may cause us to lose any of the services from our internet service

providers, payment processors, or other suppliers;

y. Use the Service to test credit card behaviors.

penalties and other liability incurred by PayPal, a PayPal User, or a third party caused by or

arising out of your breach of this Agreement, and/or your use of the Services. You agree to

reimburse PayPal, a User, or a third party for any and all such liability.

Activities, we may take various actions to protect PayPal, eBay, a User, a third party, or you from

Reversals, Chargebacks, Claims, fees, fines, penalties and any other liability. The actions we may

take include but are not limited to the following:

a. We may close, suspend, or limit your access to your Account or the Services (such as

limiting access to any of your Payment Sources, and your ability to send money, make

withdrawals, or remove financial Information);

b. We may contact buyers who have purchased goods or services from you, contact your

bank or credit card issuer, and warn other Users, law enforcement, or impacted third

parties of your actions;

c. We may update inaccurate Information you provided us;

d. We may refuse to provide our Services to you in the future;

e. We may hold your funds for up to 180 Days if reasonably needed to protect against the

risk of liability; and

f. We may take legal action against you.

PayPal, in its sole discretion, reserves the right to terminate this Agreement, access to its website,

or access to the Service for any reason and at any time upon notice to you and payment to you of

any unrestricted funds held in custody for you.

Account or terminate your use of our Services for any reason, we will provide you with notice of

our actions. If we limit access to your Account, we will provide you with notice of our actions and

the opportunity to request restoration of access if appropriate.

User Agreement - PayPal Page 9 of 26

for an eBay transaction when PayPal believes there may be a high level of risk associated with

the transaction. If PayPal places a hold on your payment, it will show as "pending" in your PayPal

Account.

a. Release of eBay item hold. PayPal will release the eBay item hold after 21 days unless you

receive a Dispute, Claim, Chargeback, or Reversal on the transaction subject to the hold. PayPal

may release the hold earlier if either of the following applies:

The buyer leaves positive feedback on eBay, or (ii) PayPal can confirm delivery. PayPal will

confirm delivery if you use USPS, UPS or FedEx to ship the item and (i) use PayPal shipping

labels, or (ii) upload tracking information to PayPal via the transaction details page. This applies

to US domestic transactions only.

b. Additional hold period. If you receive a Dispute, Claim, Chargeback, or Reversal on the

transaction subject to the eBay item hold, PayPal may hold the payment in your Account until the

matter is resolved pursuant to this Agreement.

Reserve on funds held in your Premier or Business Account when PayPal believes there may be

a high level of risk associated with your Account. If PayPal places a Reserve on funds in your

Account, they will be shown as “pending” in your PayPal Balance. If your Account is subject to a

Reserve, PayPal will provide you with notice specifying the terms of the Reserve. The terms may

require that a certain percentage of the amounts received into your Account are held for a certain

period of time, or that a certain amount of money is held in reserve, or anything else that PayPal

determines is necessary to protect against the risk associated with your Account. PayPal may

change the terms of the Reserve at any time by providing you with notice of the new terms.

then we may hold your funds up to 180 Days, fine you up to $2,500.00 USD for each such

violation and take legal action against you to recover additional losses we incur. You

acknowledge and agree that a fine up to $2,500.00 USD is presently a reasonable minimum

estimate of PayPal's damages, considering all currently existing circumstances, including the

relationship of the sum to the range of harm to PayPal that reasonably could be anticipated and

the anticipation that proof of actual damages may be impractical or extremely difficult. PayPal

may deduct such fines directly from any existing Balance in the offending Account, or any other

PayPal Account you control.

The following terms are effective for transactions made on or after 10/31/08. To view the protection terms

and conditions for transactions made prior to 10/31/08 see Exhibit “A” (under section 11.10) below.

Protection for Claims, Chargebacks, or Reversals based on the following reasons:

Seller protection is available for transactions with buyers everywhere PayPal is accepted. Seller

protection does not provide protection for Significantly Not as Described (SNAD) Claims,

Chargebacks, or Reversals or for items that you deliver in person.

PayPal will protect you for the full amount of the eligible Claim, Chargeback, or Reversal and

waive the Chargeback Fee, if applicable. There is no annual limit on protection.

PayPal will place a temporary hold on the funds in your account to cover the full amount of the

Claim, Chargeback, or Reversal. If PayPal determines that the payment is covered by seller

protection, we will release the hold and restore your access to the funds.

If the payment is not eligible for seller protection, PayPal will remove the funds from your account

and return the payment to the buyer. In addition, you will be responsible for PayPal’s Chargeback

Fee, if applicable.

You must meet all of these requirements to be covered:

User Agreement - PayPal Page 10 of 26

Account, selecting “History” and then selecting “Details” for the transaction.

manner.

“Transaction Details” page.

Received will apply. If it is marked partially eligible, protection for only Item Not

Received will apply.

unconfirmed. Generally, items sold on websites other than eBay will be marked

eligible if the shipping address is marked confirmed and partially eligible if the

shipping address is marked unconfirmed.

* If the payment is for pre-ordered or made-to-order goods, shipment is required within the

timeframe specified in your item listing.

Online or physical documentation from a shipping company that includes all of the following:

equivalent).

online tracking information).

Or, if you have Proof of Delivery then you do not need Proof of Shipment.

Online documentation from a shipping company that includes all of the following:

equivalent).

Currency Equivalents below).

You may use any shipping service that meets PayPal’s shipping requirements. The following

services meet the requirements:

Proof of Shipment X

Proof of Delivery X

Shipment within 7 calendar days of

receipt of payment* X

User Agreement - PayPal Page 11 of 26

credit card company.

was not received.

initiated by PayPal.

company’s website and indicates that the item was signed for on delivery.

make the payment, and that the person who made the payment was not authorized.

The following terms apply for transactions made prior to 10/31/08.

Accounts, reimburses sellers of certain types of goods who follow certain sound selling practices.

If your transaction meets the qualification requirements for the Seller Protection Policy, PayPal

will reimburse you for the amount of the Chargeback or Reversal and, if applicable, waive the

Chargeback Fee.

Anywhere Anywhere Any Amount

Any international shipping service that

provides door-to-door tracking that is viewable

online, such as those offered by UPS, FedEx,

or DHL

United

States

United

States

Less than

$ 250 USD USPS: any service with Delivery Confirmation

United

States

United

States

$ 250 USD

or more

USPS: any service with Signature

Confirmation

United

States Anywhere Less than

$ 250 USD

USPS: Priority Mail with the Customs

Declaration form (tracking not available for all

destinations)

United

States Anywhere $ 250 USD

or more USPS: Express Mail

350 Australian Dollar (AUD) 55,000 Hungarian Forint

(HUF) 800 Polish New Zloty (PLN)

325 Canadian Dollar (CAD) 1,000 Israeli Shekel (ILS) 150 Pound Sterling – United

Kingdom (GBP)

6,000 Czech Republic

Koruna (CZK)

28,000 Japanese Yen

(JPY) 400 Singaporean Dollar (SGD)

1,500 Danish Krone (DKK) 2,200 Mexican New Peso

(MXN) 2,000 Swedish Krona (SEK)

200 Euro (EUR) 380 New Zealand Dollar

(NZD) 330 Swiss Franc (CHF)

2,000 Hong Kong Dollar

(HKD)

1,600 Norwegian Krone

(NOK)

User Agreement - PayPal Page 12 of 26

for combined eligible Chargebacks and Reversals:

Please note that the combined annual total may not exceed the limit for any one currency.

A Chargeback is covered if it was due to non-receipt of merchandise, or an unauthorized

payment. A Reversal is covered if it was due to an unauthorized payment. The Seller Protection

Policy does not cover Claims for Significantly Not as Described or for non-receipt of merchandise,

or sales of intangible goods, services, or licenses for digital content. PayPal Claims are not

covered by the Seller Protection Policy. For more information on winning a PayPal Claim see the

Buyer Protection Programs section of this agreement.

Policy, you must meet the following requirements:

a. You must have a Verified Business or Verified Premier Account at the time of the

transaction,

b. The transaction must be between a US, UK or Canadian buyer and a US, UK or Canadian

seller,

c. The payment must be listed as Seller Protection Policy Eligible on the Transaction Details

page, or cleared by PayPal through Payment Review,

d. You must accept a single payment from one PayPal Account for the purchase,

e. You must not charge a surcharge for accepting PayPal,

f. You must ship the purchased item to the address listed on the Transaction Details page,

g. You must ship the item to the buyer within 7 Days of receiving payment. Or, if you are

selling a made-to-order or pre-ordered item on eBay, you must ship the item within the

time-frame you specified in your eBay listing as long as the buyer agreed to the extended

time-frame at the time of payment.

on the Transaction Details page. For transactions involving $250.00 USD or more, you

must provide a proof of receipt that was signed or otherwise acknowledged by the buyer

and can be viewed online, (If you paid in a currency other than US dollars, the following

amounts apply for this section: $325.00 CAD, €200.00 EUR, £150.00 GBP, ¥28000.00

JPY, $350.00 AUD, 330.00 CHF, 1,600.00 NOK, 2,000.00 SEK, 1,500.00 DKK, 800.00

PLN, 55000.00 HUF, 6,000.00 CZK, $400.00 SGD, $2,000.00 HKD, $380.00 NZD,

$2,750.00 MXN, 1,000.00 ILS), and

i. You must respond to PayPal's requests for information within the time period PayPal

specifies.

j. Additional qualification requirement for unauthorized payments: The address on the

"Transaction Details" page that you ship to must be a Confirmed Address. This

requirement does not apply to Chargebacks due to non-receipt of merchandise.

Please note that in order to qualify for our Seller Protection Policy you must ship the item as

required in this section. If you hand deliver an item, or provide delivery in any manner other than

required in this section, your transaction will not qualify for the Seller Protection Policy.

Business or Premier Account, we will place a temporary hold on the transaction amount, and

evaluate the transaction to determine whether it is eligible for our Seller Protection Policy. If the

sellers Account is not Verified, or is a Personal Account, then the amount of the payment will be

automatically debited by PayPal, and PayPal will transfer the funds back to the buyers Account,

as appropriate. If we determine that the transaction qualifies for Seller Protection, we will lift the

temporary hold and restore your access to the funds. Please note that eligibility under the Seller

User Agreement - PayPal Page 13 of 26

Protection Policy is not a requirement to win a Claim filed by a buyer under section 13.

history at any time by logging in to your Account on the PayPal website and clicking the History

tab. It is very important that you immediately notify PayPal if you have reason to believe any of

the following activities have occurred: (i) there has been an unauthorized transaction sent from

your Account; (ii) there has been an unauthorized access to your Account; (iii) your password or

PayPal Mobile PIN has been compromised; (iv) your PayPal Debit Card or PayPal Mobileactivated

phone has been lost, stolen, or deactivated, or (v) someone has transferred or may

transfer money from your Account without your permission (collectively called “Improper Account

Access”).

there has been or will be an error or unauthorized transaction on your Account, telephone PayPal

Error Resolution Department, P.O. Box 45950, Omaha, NE 68145-0950. If you initially provide

information to us via the telephone, we may require that you send your complaint or question in

writing within 10 Business Days after the phone contact. Please complete the affidavit form and

submit it online or mail it to PayPal, Attn: Error Resolution Department, P.O. Box 45950, Omaha,

NE 68145-0950.

the results of our investigation within 10 Business Days after we receive your notice (or 20

Business Days for transactions done at a point of sale terminal or outside the United States). If we

have made an error, we will correct it promptly. If we need more time, however, we may take up

to 45 Days to investigate your complaint or question (and 90 Days for transactions made at a

point of sale terminal or outside the United States). If we decide that we need more time, we will

provisionally re-credit your Account for the amount you think is in error within 10 Business Days

after we receive your notice; so that you will have use of the money during the time it takes us to

complete our investigation. If you initially provided information to us via the telephone and we do

not receive your complaint or question in writing within 10 Business Days after your oral notice,

we are not required to provisionally re-credit your Account.

At the end of our investigation, we will advise you of the results within 3 Business Days. If we

determine that there was no error, we will send you a written explanation and we may debit any

provisional credit that we previously credited to you in relation to the alleged error. You may ask

for copies of the documents that we used in our investigation.

Improper Account Access related to your Account, we will reimburse you in full for all

unauthorized transactions sent from your Account that occur within 60 Days of the time that you

knew or should have known about the Improper Account Access. If you do not report the

Improper Account Access to PayPal within 60 Days of the time that you knew or should have

known about it, we will still reimburse you in full for all unauthorized transactions sent from your

Account that took place within or before that 60-Day period, but you may be liable for all

unauthorized transactions resulting from the Improper Account Access that occur on Day 61 and

beyond (if we can demonstrate that we could have avoided any losses if you had notified us in a

timely manner).

receiving less money than you were entitled to, PayPal will credit your Account for the difference.

If the error results in you receiving more money than you were entitled to, PayPal may debit the

extra funds from your PayPal Account. If the error resulted in our not completing a transaction on

time or in the correct amount, we will be liable for your losses or damages directly and

proximately caused by this failure, unless:

a. through no fault of ours, you did not have enough available funds to complete the

transaction,

b. our system was not working properly and you knew about the breakdown when you

started the transaction, or

c. circumstances beyond our control (such as fire or flood or loss of Internet connection)

prevented the transaction, despite our reasonable precautions.

The following terms are effective for transactions made on or after 10/31/08. To view the protection terms

and conditions for transactions made prior to 10/31/08 see Exhibit “A” (under section 13.9) below.

PayPal has two programs to help protect you:

User Agreement - PayPal Page 14 of 26

PayPal’s programs help you if you encounter either of these problems:

If your problem is a transaction that you did not authorize, please report the unauthorized transaction

through the PayPal Security Center at https://www.paypal.com/security.

You must meet all of these requirements:

payments – like a deposit followed by a final payment – are not eligible.

for eBay Items" and entering your eBay User ID and the eBay item number.

dispute resolution process described below under Dispute Resolution.

Look for the buyer protection message in the eBay listing in the right hand column under the "Buy

Safely" banner. If you see this message, and you meet the eligibility requirements, then your

purchase is covered by PayPal Buyer Protection. You can also view this message after you

complete your purchase by logging in to your eBay account, going to "my eBay" and looking at

the listing. If the listing does not include the buyer protection message, then it is not eligible for

PayPal Buyer Protection.

The buyer protection message will vary based on the eBay website. Here are examples of the

buyer protection message:

If you see the eBay.com buyer protection message "Pay with PayPal and you’re covered", and if

PayPal finds in your favor on your Claim, PayPal will reimburse you for the full purchase price of

the item and original shipping costs – with no cap on coverage. If the buyer protection message

includes a cap on coverage (such as the message on eBay.ca above), and if PayPal finds in your

favor, then PayPal will reimburse you for the full purchase price of the item and original shipping

costs, up to the coverage cap specified in the buyer protection message. The amount of coverage

varies based on the eBay website where the purchase is made.

eBay.com (uncapped coverage)

eBay.ca (capped coverage)

User Agreement - PayPal Page 15 of 26

PayPal will not reimburse you for the return shipping costs that you incur to return a Significantly

Not as Described item to the seller or other party PayPal specifies. If the seller presents evidence

that they delivered the goods to your address, PayPal may find in favor of the seller even if you

did not receive the goods.

If you are unable to resolve the problem directly with the seller, go to the Resolution Center and follow

this process:

after opening the dispute.

You must wait at least 7 days from the date of payment to escalate a Dispute for an Item Not Received

(INR), unless the Dispute is for $2,500 or more. If you do not escalate the Dispute to a Claim within 20

days, PayPal will close the Dispute.

During the Claim process, PayPal may require you to provide documentation to support your position.

You may be asked to provide receipts, third party evaluations, police reports, or anything else that PayPal

specifies.

For Significantly Not as Described (SNAD) Claims, PayPal may require you to ship the item back to the

seller - or to PayPal - or to a third party at your expense, and to provide proof of delivery.

For transactions that total less than $250, proof of delivery is confirmation that can be viewed online and

includes: the delivery address, delivery date, and the URL to the shipping company’s web site if you’ve

selected “Other” in the shipping drop down menu. For transactions that total $250 or more, you must get

signature confirmation of delivery.

Once a Dispute has been escalated to a Claim, PayPal will make a final decision in favor of the buyer or

the seller. You may be asked to provide receipts, third party evaluations, police reports, or anything else

that PayPal specifies. PayPal retains full discretion to make a final decision in favor of the buyer or the

seller based on any criteria PayPal deems appropriate. In the event that PayPal makes a final decision in

favor of the buyer or seller, each party must comply with PayPal’s decision. PayPal will generally require

the buyer to ship an item that the buyer claims is Significantly Not as Described back to the seller (at the

buyer’s expense), and PayPal will generally require a seller to accept the item back and refund the buyer

the full purchase price plus original shipping costs. In the event a seller loses a Claim, the seller will not

receive a refund on his or her PayPal or eBay fees associated with the transaction.

It is PayPal’s process to help you resolve a problem with a seller through the PayPal Resolution

Center for purchases that are not eligible for PayPal Buyer Protection.

The PayPal Buyer Complaint Policy is similar to PayPal Buyer Protection in that it enables buyers

to file Disputes for Items Not Received (INR), or for items that are Significantly Not as Described

Similar to PayPal Buyer Protection, you must file a Dispute in the PayPal Resolution Center within

45 days of the date you sent the payment. Once you have done so, you should attempt to resolve

the Dispute directly with the seller.

You may escalate the Dispute to a Claim within 20 days of the date you filed the Dispute. PayPal

User Agreement - PayPal Page 16 of 26

will make a final decision for some - but not all - Claims.

PayPal will generally make a final decision for an Item Not Received (INR) Claim, but will not

make a final decision for a Significantly Not as Described (SNAD) Claim, or Claims involving the

following purchases: intangible items, licenses, airline flight tickets, services, vehicles, live

auctions, real estate, classified ads on eBay, or other items as determined by PayPal (collectively

“Ineligible Items”). This means that unless the seller voluntarily refunds your money, you will not

recover any amounts for a SNAD Claim or a Claim for an Ineligible Item filed under the Buyer

Complaint Policy.

If PayPal makes a final decision in your favor, we will collect any available funds in the seller’s

PayPal balance at that time. However, recovery is not guaranteed and is limited only to the

amounts that PayPal can recover from the seller’s Account. Any amounts collected from the seller

will be placed in your Account.

Extended Buyer Protection is additional coverage for eligible Buyer Complaint Policy Claims that

is available to you when you make a payment through PayPal and use your PayPal Plus Card,

PayPal Buyer Credit, or PayPal Pay Later as your payment method.

If you win an Item Not Received (INR) Claim under the PayPal Buyer Complaint Policy, PayPal

will reimburse you for the full purchase price of the item, plus original shipping costs.

An item is Significantly Not as Described if it is materially different than what the seller described in the

item listing. Here are some examples:

an empty box.

used.

Here are some examples:

PayPal's protection for buyers only applies to payments for tangible, physical goods that can be shipped.

Payments for intangibles, services, custom made items, airline flight tickets, eBay classified

advertisements, items prohibited under our Acceptable Use Policy or licenses and other access to digital

content are not eligible under PayPal’s protections for buyers.

Credit card chargeback rights, if they apply, are broader than PayPal’s protection programs. Chargeback

rights may be filed more than 45 days after the payment, may cover unsatisfactory items even if they do

not qualify as SNAD, and may cover intangible items.

User Agreement - PayPal Page 17 of 26

You may pursue a Dispute/Claim with PayPal, or you may contact your credit card company and pursue

your chargeback rights. You may not pursue both at the same time or seek a double recovery. If you

have an open Dispute or Claim with PayPal, and also file a chargeback with your credit card company,

PayPal will close your Dispute or Claim, and you will have to rely solely on your chargeback rights.

If PayPal does not make a final decision on your Claim until after your credit card issuer's deadline for

filing a chargeback, and because of our delay you recover less than the full amount you would have been

entitled to recover from the credit card issuer, we will reimburse you for the remainder of your loss (minus

any amount you have already recovered from the seller).

The following terms apply for transactions made prior to 10/31/08.

item or receive an item that you believe is Significantly Not as Described by the seller, we

encourage you to open a Dispute with the seller in our Resolution Center. By doing so, you will

initiate our Online Dispute Resolution Process—a step-by-step system designed to facilitate

communication between you and the seller in order to get resolution of the issue. If your dialogue

with the seller fails to produce a satisfactory result, you can then escalate the Dispute into a Claim

that we will evaluate for reimbursement under one of the following programs:

a. PayPal Buyer Complaint Policy - Our best efforts program to reimburse Users for losses

only to the extent we are able to recover the funds from sellers.

b. PayPal Buyer Protection Policy - Our program to reimburse Users for losses for up to (i)

$2,000.00 USD (Top Tier Coverage Amount) for eligible items purchased on eBay and (ii)

up to $200.00 USD (Basic Tier Coverage Amount) for all other eligible items purchased on

eBay and for eligible items purchased on eBay. Please see section 13.9 to determine

whether Top Tier Coverage Amount or Basic Tier Coverage Amount applies to your eBay

purchase.

c. Buyer Protection for eBay Express - Our program to reimburse Users for the full amount of

losses for items purchased on eBay Express.

d. Extended Buyer Protection with PayPal Credit - Our program to reimburse Users for the

full transactional amount of the items purchased using PayPal Credit.

These programs only cover payments for tangible, physical goods. All other payments, such as

payments for intangibles, services, airline flight tickets, Classified Ads on eBay or licenses and

other access to digital content are not covered by any Buyer Protection Program that we offer (but

may be covered by Chargeback rights).

Resolution Center within 45 Days of the date of the relevant payment and then escalate the

Dispute into a Claim within 20 Days of the date you file your Dispute. It is your responsibility to

keep track of the deadlines under this section.

the Dispute, and while the Dispute is open, you and the seller are able to access the details of the

Dispute via the Resolution Center and post messages to each other in connection with the

Dispute. Any message you post is viewable by PayPal and the other party to the Dispute. If the

Dispute is escalated to a Claim, PayPal may review and use the content of all posted messages

during evaluation of the Claim. If you subsequently file a Chargeback, PayPal may use the

content of any messages to dispute the Chargeback. You may not post any message that is

offensive, discourteous, false, misleading, profane, abusive, threatening or otherwise

inappropriate.

a. Closing the Dispute as resolved. The buyer can close the Dispute as resolved from the

time it is filed until 20 Days after it is filed. Once a buyer closes a Dispute as resolved, we

will not allow it to be reopened or escalated to a Claim.

b. Escalating the Dispute into a Claim. Either party may close the Dispute by escalating the

Dispute into a Claim within 20 Days of the date the Dispute is filed.

c. Issuing a full refund. The seller may choose to close the Dispute by issuing a full refund to

the buyer. If we process a full refund in this way, we will close the Dispute and not allow

escalation to a Claim. If the seller does not have a sufficient Balance to close the Dispute

but tries to close the Dispute by issuing a full refund, we will automatically escalate the

Dispute into a Claim.

d. Reaching other settlement. If the seller and buyer agree to a settlement other than a full

refund, both parties agree to reflect the agreed settlement in the messages posted in the

User Agreement - PayPal Page 18 of 26

Resolution Center (so that we avoid resolving the Claim in a contrary manner).

e. Dispute auto-closure after 20 Days. We will automatically close Disputes 20 Days after

initiation if the buyer has not escalated it to a Claim within that time period. Once we close

a Dispute in this way, we will not allow the buyer to re-open the Dispute or file a Claim

relating to the transaction. In certain circumstances, we may escalate a Dispute into a

Claim (for example, where a number of other buyers have opened Disputes against a

seller who has failed to respond to the notices of Dispute).

within 20 Days of filing the Dispute or if you have reached a resolution with the seller but it has not

been fully executed (for example: you have not received the refund or you have not received an

exchange item that the seller agreed to send you), you should escalate the Dispute into a Claim in

order to maintain your rights under the Buyer Protection Programs. You cannot file a Claim for

reimbursement without first filing a Dispute in the Resolution Center.

you and the seller and determine eligibility for reimbursement under the Buyer Protection

Programs. Here are some important things to remember about the Claim process:

a. If a buyer files a Claim asserting receipt of a Significantly Not as Described item, we will

generally require the buyer to return the item to the seller at the buyers expense and to

provide Viewable Online Proof of Delivery. If the item is over $250.00 USD or equivalent,

Viewable Online Signature Confirmation must also accompany theViewable Online Proof

of Delivery. In some circumstances, we may require the buyer to send the item to us or to

a third party specified by us, to obtain documentation from a qualified third party

substantiating the Claim, or to provide evidence that the item has been destroyed. In

some instances, we may ask a buyer to support a Claim by filing and supplying a copy of

a police report.

b. If a buyer files a Claim for Significantly Not as Described and alleges that an item is

counterfeit, PayPal may require the buyer and seller to provide affidavits and other

evidence to support their positions. PayPal shall make the final determination whether to

grant the buyer’s claim based on the provided evidence, as well as third party evidence

and evaluations. If PayPal grants the buyer’s claim, the buyer must ship the item to

PayPal or a third party (as directed by PayPal). PayPal, in its discretion, may require the

buyer or the seller to pay for the return shipping costs. Once the item has been received

by PayPal or the third party, the seller must refund the transaction amounts (including the

original shipping costs) to the buyer. If PayPal grants the buyer’s claim, the seller may not

receive the item back.

c. If a buyer initiates a Dispute/Claim and the amount in Dispute is greater than $100,

PayPal will place the disputed amount (to the extent it remains in the seller's Account) on

hold until the Dispute/Claim is resolved, and the seller will not be able to withdraw this

amount while the Dispute/ Claim remains unresolved.

d. Other than adding information you may not edit or change a Claim after filing it.

e. We may ask a buyer to identify the minimum refund that would be acceptable to settle the

Claim. If you specify a refund amount that is less than the amount of the original

transaction, and the seller agrees to refund the amount you specified, PayPal will consider

the Claim to be successfully resolved.

f. After we close a Claim in favor of a buyer, a seller may appeal our decision on the Claim;

however, PayPal generally will only grant the appeal if the seller is able to prove that the

buyer sent the item back to the seller in a condition significantly different than when the

Claim was filed (other than normal wear from shipping). PayPal does not guarantee

recovery of money from a buyer for a seller if a seller wins an appeal.

g. If the buyer claims that the item was not received, the seller must be able to prove that the

item was delivered to the address listed on the Transaction Details page by providing

PayPal with a Viewable Online Proof of Delivery For transactions equal to $250.00 USD

(or the equivalent in the currency of the transaction) or more in value, the seller will also

need to provide a Viewable Online Signature Confirmation.

following limitations apply to Claims:

a. The PayPal Buyer Complaint Policy only applies to items purchased outside of eBay or

eBay Express, the PayPal Buyer Protection Policy only applies to items purchased on

eBay or to payments funded through your debit card and processed through the ATM

debit network. To determine whether your debit card funded payment was processed

through the ATM debit network, look to see if “ATM/Debit” appears next to the card

payment in your PayPal history log. Buyer Protection for eBay Express only applies to

items purchased on eBay Express. The Extended Buyer Protection with PayPal Credit

applies to items purchased using PayPal Buyer Credit, PayPal Pay Later or PayPal Credit

Card through PayPal. Extended Buyer Protection with PayPal Credit does not apply to

items purchased with PayPal Credit Card not through PayPal. For example: Extended

Buyer Protection with PayPal Credit does not apply when you use your PayPal Credit

User Agreement - PayPal Page 19 of 26

Card to make a purchase offline. Extended Buyer Protection with PayPal Credit does not

apply to payments made through PayPal Mobile, unless such payments are for eBay

purchases.

b. Only registered PayPal members in good standing are eligible for reimbursement. If you

purchase an item on eBay Express and you are not a registered PayPal User, you will

have to sign up for a PayPal Account in order to seek reimbursement via the process

outlined here.

c. Claims must be for payments for tangible, physical goods that can be shipped, and not all

other payments, such as payments for intangibles, for services or for licenses and other

access to digital content. For purposes of eBay items, motor vehicles and Live Auctions

are not covered.

d. Items prohibited in the PayPal Acceptable Use Policy are ineligible for coverage.

e. For purposes of eBay items, the buyer must have sent a single PayPal payment for the full

price of the item to the PayPal Account specified by the seller in the listing, and must have

either used the Pay Now button or associated the payment with the eBay listing by

entering the item number into the PayPal payment instructions. If the buyer sent payment

to a different PayPal Account or by a different method, even at the seller's request, the

transaction will not be covered.

f. For purposes of eBay Express items, the buyer must have completed the transaction by

paying on the eBay Express website using either a PayPal Account or a credit card.

g. Buyers may only receive one reimbursement per eBay or eBay Express listing.

h. For multiple-items paid with a single PayPal payment, each qualified item is eligible for up

to the maximum payout in coverage, but buyers may file only one Claim per PayPal

payment. If you purchased multiple qualified items with a single payment, you must

identify all the items on which you are seeking reimbursement in a single Claim.

Extended Buyer Protection with PayPal Credit applies to items purchased on eBay that are either

not delivered or Significantly Not as Described and to items purchased outside of eBay that are

not delivered.

Auctions and vehicles) that meets the above requirements is eligible for PayPal Buyer Protection

up to $200.00 USD (Basic Tier Coverage Amount), but items are only eligible for PayPal Buyer

Protection up to $2,000.00 USD (Top Tier Coverage Amount) and should be identified as eligible

items in the eBay listing if:

a. The seller's eBay feedback rating is at least 50;

b. At least 98% of the seller's eBay feedback is positive;

c. The seller has a Verified Premier or Verified Business Account in good standing;

d. The listing was on an eligible eBay site (eBay.com and certain other eBay sites self

identified as such)

e. PayPal is listed as an acceptable payment method; and

f. The seller is a PayPal User from one of the following countries:

a. This chart shows the maximum amount of protection that you will receive based on the

website from which you made your purchase. We will reimburse you in the currency of the

original PayPal payment, up to the maximum payout listed in the table below:

- Argentina - Italy

- Austria - Jamaica

- Australia - Japan

- Belgium - Korea

- Brazil - Mexico

- Canada - Netherlands

- Chile - New Zealand

- China - Norway

- Czech Republic - Poland

- Denmark - Portugal

- Ecuador - Singapore

- Finland - Sweden

- France - Spain

- Germany - Switzerland

- Greece - Taiwan

- Hong Kong - Thailand

- Hungary - United Kingdom

- India - United States

- Ireland - Uruguay

User Agreement - PayPal Page 20 of 26

If you make a purchase from one of the eBay websites listed below, you may be eligible

for the eBay Standard Purchase Protection Program (eBay SPPP) instead of the PayPal

Buyer Protection Policy. The eligibility requirements for eBay SPPP are the same eligibility

requirements for PayPal Buyer Complaint Policy as listed above. eBay Standard Purchase

Protection Program is our program to reimburse buyers for losses up to the applicable

coverage amount minus the processing cost for purchases made on the eBay SPPP

websites.

The final price of the item purchased must be over the applicable processing cost. Multiple

listings cannot be combined into one Claim to become eligible, even if purchased from the

are eligible, provided the combined value of all items purchased through a single listing is

over the applicable processing cost. Buyers may submit up to three eBay Standard

Purchase Protection Program claims per six-month period.

for items that are Significantly Not as Described when received by the buyer (which we may do

under all programs except the Buyer Complaint Policy), an item is Significantly Not as Described

if the seller clearly misrepresented the details of the item in a way that affects its value or

usability. This does not include cases where the buyer is merely disappointed with the item or

where the item did not meet the buyer's expectations. Here are some of the reasons that an item

may be considered Significantly Not as Described:

a. The item is a completely different item than that represented by the seller in the listing,

e.g. an audio book instead of a printed book, a desktop computer instead of a laptop, a

picture of an item instead of the actual item; or an empty box.

b. The condition of the item is significantly different. For example, if the item has clearly been

used multiple times rather than almost new or still in box or is obviously repackaged rather

than mint.

c. The item is unusable and was not disclosed as such. For example, if there are missing

major parts or components, will not function or turn on or is spoiled or past a relevant date.

This applies to the item in its received state, no matter what the condition when it was

shipped.

d. The item was advertised as authentic but is not authentic. For example, a fake or knockoff

item that was advertised as authentic or a completely different or inferior brand of a

similar product.

e. The item is missing a major portion or quantity. For example, if the buyer ordered four

dozen golf balls but only received one dozen or four golf balls, or the item is missing a

primary component, like a blender missing a top or a coffee maker missing the bottom

plate.

An item is not Significantly Not as Described if:

User Agreement - PayPal Page 21 of 26

a. The defect in the item was correctly described by the seller. For example, if the item

description states one of the following: Item may not work properly, Item is missing some

parts, or See picture for scratches or damages.

b. The item was properly described but you didn't want it after you saw it in person.

c. The description could have been reasonably misinterpreted. For example, if the item is a

slightly different color than advertised (e.g. the item is aquamarine but was advertised as

teal).

d. The item was properly described but did not meet your expectations.

e. The item has minor scratches and was listed as used condition.

Please note that these are representative examples. There may be other circumstances where

the characteristics of the item or the situation are not exactly covered in the item description but

do not render the item Significantly Not as Described. PayPal encourages all buyers and sellers

to communicate with each other before and after the transaction to prevent these issues from

occurring. We may make a decision as to whether an item is Significantly Not as Described if the

buyer and seller cannot agree. For items that we believe do not qualify as Significantly Not as

Described, we still encourage the buyer and seller to find an equitable solution.

PayPal will seek to collect from the seller by debiting the seller's PayPal Account up to the amount

of your loss, and you will receive a recovery to the extent that the seller has funds available in the

Account at the time we debit the seller's Account. If there is more than one Claim against the

same Account, we will process the Claims in the order they are filed, and will pay out on each

granted Claim up to the amount of funds in the seller's Account at the time the Claim is awarded,

but not more than the amount of the Claim.

for eBay Express, we will reimburse you for losses up to the full amount of your eBay Express

purchase. Your reimbursement will be paid in the currency of the original PayPal payment up to

the full purchase amount.

purchase you made with PayPal Buyer Credit, PayPal Pay Later or with the PayPal Credit Card

through PayPal, we will reimburse you in the currency of the payment for losses up to the full

amount of your purchase.

following information relates to reimbursement for losses from purchases where you used a credit

card to fund a PayPal purchase:

a. Credit card chargeback rights, if they apply, are broader than PayPal Buyer Protection:

among other things chargeback rights are not limited to $2,000.00 USD per transaction,

can be filed more than 45 days after the transaction, and may cover unsatisfactory items

even if they are not Significantly Not as Described.

b. You can choose to file a Dispute through our Online Dispute Resolution process and

escalate the Dispute into a Claim or to exercise your Chargeback rights. However, you

cannot pursue both at the same time or seek a double recovery. If you initiate a Dispute

through the Online Dispute Resolution process and you then, while the Dispute or Claim is

pending, file a Chargeback, PayPal will cancel your Dispute or Claim, and you will have to

rely solely on your Chargeback rights.

c. If you close your Dispute or it is otherwise closed, or if you cancel a Claim or it is denied or

results in no refund, you may still be able to pursue Chargeback rights.

d. If you timely file a Dispute and then escalate it to a Claim, and we do not complete

processing of that Claim until after your credit card issuers imposed deadline for filing a

Chargeback or after your banks deadline for filing an Electronic Fund Transfer Act dispute,

and you recover less than the full amount you would have been entitled to recover from

the credit card issuer or the bank, we will reimburse you for the remainder of your loss

(minus any amount you have already recovered from the seller or any other Buyer

Protection Program). PayPal reserves the right to contest Chargebacks, in accordance

with the rules of the applicable card issuer or card association.

e. Buyers should follow the sellers return policy as stated on their auction or website. If a

return policy is not available, the buyer should work directly with the seller to return the

item. Buyers may be required to prove that the seller received the returned item and

should obtain Viewable Online Proof of Delivery from an approved shipper. Return

shipping is at the buyer’s expense unless otherwise agreed to by the seller.

money from initiates a Dispute, Claim or Chargeback, you agree to provide to any requesting

party on a timely basis any documentation necessary to resolve the Dispute, Claim or

Chargeback. You also agree to fully cooperate with PayPal in all aspects of our Dispute and

Claim processes, and to reimburse your Account to the extent it goes negative because we

User Agreement - PayPal Page 22 of 26

decide to grant a Claim submitted by another User. We will cancel Claims of buyers who do not

respond to inquiries regarding the Claim within the time specified. Sellers who fail to respond in a

timely manner to our inquiries regarding a Claim will lose the Claim and lose any right to appeal,

and we will reimburse the buyer from the seller's PayPal Account.

and address your concerns and, if we are unable to do so to your satisfaction, to provide you with

a neutral and cost effective means of resolving the dispute quickly. Disputes between you and

total amount of the award sought is less than $10,000.00 USD, the party requesting relief may

elect to resolve the dispute in a cost effective manner through binding non-appearance-based

arbitration. If a party elects arbitration, that party will initiate such arbitration through an

established alternative dispute resolution (ADR) provider mutually agreed upon by the parties.

The ADR provider and the parties must comply with the following rules: a) the arbitration shall be

conducted by telephone, online and/or be solely based on written submissions, the specific

manner shall be chosen by the party initiating the arbitration; b) the arbitration shall not involve

any personal appearance by the parties or witnesses unless otherwise mutually agreed by the

parties; and c) any judgment on the award rendered by the arbitrator may be entered in any court

of competent jurisdiction.

section 14.2 above, you agree that any claim or dispute you may have against PayPal must be

resolved by a court located in either Santa Clara County, California, or Omaha, Nebraska. You

agree to submit to the personal jurisdiction of the courts located within Santa Clara County,

California, or Omaha, Nebraska for the purpose of litigating all such claims or disputes. This

Agreement shall be governed in all respects by the laws of the State of California, without regard

to conflict of law provisions.

accordance with section 14 of this Agreement. All claims filed or brought contrary to section 14

shall be considered improperly filed a breach of this Agreement. Should you file a claim contrary

to section 14, PayPal may recover attorneys fees and costs (including in-house attorneys and

paralegals) up to $1,000.00 USD, provided that PayPal has notified you in writing of the

improperly filed claim, and you have failed to promptly withdraw the claim.

right to act with respect to subsequent or similar breaches.

SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR

CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH OUR WEB SITE,

OUR SERVICE, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE).

Some states do not allow the exclusion or limitation of incidental or consequential damages so the

above limitation or exclusion may not apply to you. OUR LIABILITY, AND THE LIABILITY OF

OUR PARENT, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY

CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.

OUR SERVICES AS IS AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS,

IMPLIED OR STATUTORY. PAYPAL, OUR PARENT, EMPLOYEES AND OUR SUPPLIERS

SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY,

FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. PayPal does not have

any control over the products or services that are paid for with our Service and PayPal cannot

ensure that a buyer or a seller you are dealing with will actually complete the transaction or is

authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access to

any part of our Service, and operation of our site may be interfered with by numerous factors

outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic

debits and credits involving bank accounts, credit cards, and check issuances are processed in a

timely manner but PayPal makes no representations or warranties regarding the amount of time

needed to complete processing because our Service is dependent upon many factors outside of

our control, such as delays in the banking system or the U.S. or international mail service. Some

states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not

apply to you. This paragraph gives you specific legal rights and you may also have other legal

rights that vary from state to state.

PayPal’s software in accordance with the documentation, including all updates, upgrades, new

versions and replacement software, as described herein for your personal use only. You may not

User Agreement - PayPal Page 23 of 26

rent, lease or otherwise transfer your rights in the software to a third party. You must comply with

the implementation and use requirements contained in all PayPal documentation accompanying

the Services. If you do not comply with PayPal’s implementation and use requirements you will be

liable for all resulting damages suffered by you, PayPal and third parties. You agree not to alter,

reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile

or otherwise attempt to create any source code which is derived from the software. You

acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal.

directors and employees harmless from any claim or demand (including attorneys fees) made or

incurred by any third party due to or arising out of your breach of this Agreement and/or your use

of the Services.

against a recipient of your payment, you agree that PayPal assumes your rights against the

recipient and third parties related to the payment, and may pursue those rights directly or on your

behalf, in PayPal's discretion.

our officers, directors, agents, joint ventures and employees) from any and all Claims, demands

and damages (actual and consequential) of every kind and nature arising out of or in any way

connected with such disputes. In addition, you waive California Civil Code §1542, which says: A

general release does not extend to claims which the creditor does not know or suspect to exist in

his favor at the time of executing the release, which if not known by him must have materially

affected his settlement with the debtor.

described in section 14 above, you may report complaints to the Complaint Assistance Unit of the

Division of Consumer Services of the California Department of Consumer Affairs by contacting

them in writing at 400 R Street, Sacramento, California 95814, or by telephone at (800) 952-5210.

Florida residents may contact the Florida Department of Financial Services in writing at 200 East

Gaines Street, Tallahassee, Florida, 32399, or by telephone at 1-800-342-2762. If you are a

California resident, you have a right to receive the same information in section 1.7 by email. To

make such a request, send a letter to PayPal at the address listed in section 1.6, include your

email address, and request the information provided in section 1.7.

and PayPal with respect to the Service. Sections 1, 7, 8, 10, 14 and 15, as well as any other

terms which by their nature should survive, will survive the termination of this Agreement. If any

provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck

and the remaining provisions shall be enforced.

herein for Viewable Online Proof of Delivery, and Viewable Online Signature Confirmation.

Approved Shippers include USPS (United States Postal Service), UPS (United Parcel Service),

and FedEx. For additional Approved Shippers visit PayPal's online Security Center.

Account.

"funds" are used interchangeably in this Agreement.

Transfer, eCheck and/or Balance.

purposes and not for personal, family, or household purposes.

debit card, PayPal Pay Later or Buyer Credit.

enter into directly with PayPal's payment processor(s).

credit card issuing bank to invalidate a payment.

section 13 of this Agreement.

likely to be that of the User to which it is associated.

User Agreement - PayPal Page 24 of 26

fund a transaction if you do not select a Preferred Payment Source.

section 13 of this Agreement.

held pending and not received by the recipient until it clears. When you send money using

eCheck it will usually be held pending for 3-4 Business Days. The amount of time that it is held

pending will increase if the payment is sent from a bank account outside the United States.

Monday in January), Washington's Birthday (the third Monday in February), Memorial Day (the

last Monday in May), Independence Day (July 4), Labor Day (the first Monday in September),

Columbus Day (the second Monday in October), Veterans Day (November 11), Thanksgiving Day

(the fourth Thursday in November) and Christmas Day (December 25).If a Holiday falls on a

Saturday, PayPal shall observe the Holiday on the prior Friday. If the Holiday falls on a Sunday,

PayPal shall observe the Holiday on the following Monday.

information related to an Account or User, including but not limited to the following: name, email

address, billing/shipping address, phone number and financial information.

credits the recipient instantly.

the merchant processes your payment.

payment methods may be used to fund a transaction: Balance, Instant Transfer, eCheck, Buyer

Credit, PayPal Pay Later, credit card, debit card, eBay Gift Card and Redemption Codes.

MasterCard.

mobile phone.

you with a secure card that is a unique 16-digit number, an expiration date and a card security

code that you can use to make a purchase from your Account on any website that accepts

MasterCard

personal, family, or household purposes.

entered into on the PayPal website, or in connection with your use of the Services.

place User Balances that are not invested in the Money Market Fund.

instead of using the Default Payment Sources.

Mobile with less clicks.

merchant to charge your PayPal Account directly on a one-time, regular, or sporadic basis in

accordance with your agreement with the merchant. Recurring Payments are sometimes called

"subscriptions", “automatic payments” or "preapproved payments".

other promotional coupons.

protect against the risk of Reversals, Chargebacks, Claims or any other liability related to your

Account and/or use of the Services.

a request that an account holder filed directly with his or her bank, or directly with PayPal (for a

fraudulent transaction) to invalidate a payment, or because PayPal believes it is a fraudulent

payment.

services and using the Services to receive payment.

User Agreement - PayPal Page 25 of 26

Agreement.

or increases your responsibilities.

that displays information about the transaction. This page is accessible from the "Details" link on

the "overview" and "History" subtabs of the "My Account" tab on the PayPal website.

PayPal. Verification does not constitute an endorsement of a User, or guarantee a User's

business practices.

Approved Shipper's website and includes the address to which the package was delivered.

the Approved Shipper's website and includes the signature of the person who received the

package.

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User Agreement - PayPal Page 26 of 26