User Agreement for PayPal™ Service This Agreement applies to your use of PayPal's™ payment service and any related products and services (collectively the "Service"). This Agreement affects your rights and you should read it carefully. In this Agreement, "you" or "your" means any person or entity using the Service ("Users"). Unless otherwise stated, "PayPal" will refer collectively to PayPal, PayPal Corporation and their respective parent or subsidiary companies, affiliates, officers, employees and agents. By checking the consent box on the account signup page, you represent that you understand and accept the terms and conditions of this Agreement. We may amend this Agreement at any time by posting the amended terms to our site, and your continued use of the Service will constitute acceptance of the amended terms. This Agreement was last modified on June 14, 2001. I. User Responsibilities Eligibility. In order to use the Service, you must register for a Personal, Premier, or Business account. If you use the Service for the purpose of conducting e-commerce on a regular basis, you agree to register for, or upgrade to, a Premier or Business Account. You agree that you will register for and maintain no more than one Personal and one Premier or Business Account. PayPal reserves the right to terminate duplicate accounts. You must be at least 16 years of age to register for an account. If you are under the age of 18, you hereby represent that you are using the service with the consent of your parent or guardian. No Multiple Accounts. Should you register for more than one Personal Account, PayPal reserves the right to terminate all of your accounts and will restrict you from the system going forward. Users may register and hold one Personal Account and either one Premier or one Business Account. Registration Information. You agree to provide true, accurate and complete registration information and to maintain and promptly update your information as applicable. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current, or incomplete, without limiting other remedies, PayPal has the right to terminate your use of the Service and PayPal, its agents, suppliers, and subcontractors have the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information. You authorize PayPal and its agents, suppliers and subcontractors to make any inquiries they consider necessary to validate your registration. International Use. To be eligible for an account, you must be a resident of the United States or one of the approved countries listed below: Anguilla Antigua Argentina Australia Austria Belgium Belize Brazil Canada China Costa Rica Curacao Denmark Dominica Dominican Republic Finland France Germany Greece Grenada Hong Kong Iceland India Ireland Israel Italy Jamaica Japan Luxembourg Mexico Netherlands New Zealand Nicaragua Norway Portugal Singapore South Africa South Korea Spain Sweden Switzerland United Kingdom Withdrawals. (U.S. Users) Once a User has confirmed an email address and registered a bank account or credit card, a User may elect to withdraw all or part of the balance of his or her account by direct deposit into the User's bank account or by physical check. PayPal limits the number of mailed checks per account to one per day. To cover the cost of processing checks, PayPal charges $1.50 per check withdrawal. Check withdrawals are not sent to P.O. Box addresses. In addition to our policy of not sending check withdrawals to P.O. Box addresses, check withdrawals are only sent to users’ credit card billing address, unless the user is Verified, in which case the user may choose any street address. If a user would like a check withdrawal to an address not accepted as approved on the website, the user may email customer service at checkwithdrawal@paypal.com and produce appropriate documentation before a check will be sent to the requested address. International Users: International accounts may only accept payments after they have added a credit card. All International members who register their U.S. bank acount with PayPal may withdraw funds from their PayPal balance to their bank account. International users in Australia, Canada, France, Germany, new Zealand, the Netherlands and the United Kingdom may register their local bank accounts with PayPal and may then withdraw funds from their PayPal accounts into their local bank accounts. International customers outside of those countries who do not have a US bank account will not be able to withdraw funds from the PayPal system, and therefore should accept payments only if they expect to spend those funds using PayPal. In order to accept payments, international customers outside those countries must set their preferences by logging into their account. Sending Limits. U.S. Users: Unverified users are limited to $1000 of spending until they confirm an email address and checking account. Unverified users of Web Accept or Instant Purchase are limited to $1000 of spending until they confirm an email address and checking account. There are no limits on how much Verified users can spend. This limit is subject to change. International Users: International users will not be able to send money until they have confirmed a debit or credit card with their PayPal account. To become confirmed, an international user must confirm an email address and credit card. After becoming confirmed, International members may use their credit card to send money, depending on credit availability. These limits are subject to change. Credit Card Receiving Limit. Personal Accounts are limited to receiving $100 per month of credit card payments. Payments funded from the sender's checking account or existing PayPal account balance will not count against the recipient's limit. Payments funded wholly or partially by a credit card are classified as credit card payments in the PayPal system. Receipt of Payments; Risk of Reversal of Transactions; Collection of Funds you owe PayPal. When you receive a payment through the Service, unless you follow the steps necessary to qualify for our Seller Protection Policy described in Part IV of this User Agreement, you are not protected against a subsequent reversal of the transaction. In the event that the sender’s transaction is reversed for any reason and you do not qualify for the Seller Protection Policy for that transaction, you will owe PayPal for the amount of the reversed transaction plus any fees imposed on PayPal as a result of the reversal. Examples of such a reversal include, but are not limited to, a credit card charge-back by the sender of the payment, and a reversal of the transaction because the sender of the payment was using a stolen credit card or unauthorized checking account. PayPal will seek to recover the funds from you by debiting your PayPal balance and, if there are not sufficient funds in your PayPal balance, PayPal reserves the right to collect your debt to PayPal by any other legal means. You authorize PayPal to charge your credit card or debit card in the amount of any debt to PayPal. You authorize PayPal to obtain a credit report on you in the event that you incur a debt to PayPal. Confirmation of Credit and Debit Cards. PayPal requires all international users and some domestic users to complete an additional confirmation process before their credit and debit cards are available for use in their PayPal account. This process consists of a $1.00 charge to the User's card that is associated with a randomly generated, unique 4 digit PayPal Confirmation Number. PayPal provides a page in the User's account for the User to enter this number when it is received via the User's physical monthly card statement or via online access to the statement. PayPal strongly discourages users from calling their credit card companies in order to obtain PayPal Confirmation Numbers before receiving their monthly statement in the mail or online. If PayPal receives a complaint from Visa, MasterCard, or a card issuer regarding a User's calling their credit card company to obtain PayPal Confirmation Numbers, that User's PayPal account will be permanently closed. Electronic Transfers. When you make a payment funded by Instant Transfer or eCheck, you are requesting an electronic transfer from your checking account. Upon your request, PayPal will make electronic transfers via the Automated Clearing House (ACH) system to and from your U.S. checking account in the amount you specify . You agree that such requests constitute authorization for such transfers. If you request an electronic transfer from your checking account, you also authorize PayPal to confirm your control of your checking account by making two small deposits to your checking account at PayPal's own expense. Your checking account and your PayPal account will be considered verified once you correctly enter the deposit amounts on the PayPal website. Support for international checking accounts is coming soon. PayPal will never make electronic transfers from your checking account without your explicit permission. Furthermore, PayPal provides you protection against unauthorized withdrawals from your checking account under the terms of Article III below. You may be charged a service fee for any ACH transactions that result in a returned ACH, such as but not limited to those caused by insufficient funds, closure of you bank account, or if the bank account number or other information you provided is incorrect. Currently, International users are charged $20USD per returned ACH. No Cash Advances. You agree not to engage in behavior that could reasonably be construed as providing yourself a cash advance from your credit card, and agree not to assist users who engage in behavior that could reasonably be construed as providing themselves a cash advance from their credit cards. Such behavior includes, but is not limited to, a User paying someone by charging a credit card, then receiving the funds back from the original Recipient and attempting to withdraw the funds from an account. PayPal reserves the right to reverse all such transactions and to terminate any accounts that are associated with such behavior. Correct E-mail. You agree that you have access to the Internet and to a current e-mail address. You have sole responsibility for providing PayPal with a correct and operational e-mail address. PayPal will not be liable for any undelivered e-mail communications or any costs you incur for maintaining Internet access and an e-mail account. You must promptly notify PayPal of any change in your e-mail or postal mailing address. No Surcharges. Under Visa and MasterCard regulations and the laws of several states, including California, merchants may not charge a fee to the buyer for accepting credit card payments (often called a "surcharge"). You agree that you will not impose a surcharge or any other fee for accepting PayPal as payment. This restriction does not prevent you from imposing a handling fee in connection with the sale of goods or services, as long as the handling fee does not operate as a surcharge (in other words, the handling fee for transactions paid through PayPal may not be higher than the handling fee for transactions paid through other payment methods). Electronic Communications. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Service ("Communications"), may be provided to you electronically and you agree to receive Communications in an electronic form. Electronic Communications may be posted on the pages within the PayPal website and/or delivered to your e-mail address. You will print a copy of any Communications and retain it for your records. All Communications in either electronic or paper format will be considered to be in "writing," and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. PayPal reserves the right but assumes no obligation to provide Communications in paper format. Your consent to receive Communications electronically is valid until you revoke your consent by notifying PayPal of your decision to do so, by sending an email message to help@paypal.com or by telephoning customer service. If you revoke your consent to receive Communications electronically, PayPal may terminate your right to use the Service. No Spam. You agree not to use unsolicited email, usenet, message board postings, or similar methods of mass messaging (spam) to gather referral bonuses. The use of spam to promote the Service has strict negative consequences. We will immediately and permanently terminate the account of any User who has used unsolicited email to gain referrals. In addition, you may be subject to state and federal penalties and other legal consequences under applicable law if you send unsolicited email. Our Anti-Spam Policy is intended to protect our users, the Internet, and us. Privacy. View our Privacy Policy. You agree that you have had an opportunity to review, download or print our Privacy Policy. You consent to have your name, email address, date of sign-up, and whether you have verified (or not verified) an account at another financial institution made available as identification to anyone whom you have paid or who is attempting to pay you through the PayPal service. Handheld Devices. In the event of the loss or malfunction of your handheld device, payments made since your last connection to the PayPal server may be lost, and PayPal Corp. disclaims all liability for such loss. Not a Bank. You acknowledge that (i) the Service is not a banking service (ii) Service accounts are not insured by any government agency of any nation, (iii) the Service is not subject to banking regulations and (iv) PayPal will invest in liquid assets and that interest earned on those assets will be the property of PayPal. Escheat. If you do not access your account for a period of five years, it will be terminated. After the date of termination, you will have 90 days to redeem your account balance, after which it will be subject to applicable state laws regarding escheat of unclaimed property. Passwords. You may not divulge your account password(s) to anyone else, nor may you use anyone else's password. PayPal is not responsible for losses incurred by Users as the result of their misuse of passwords. Close Account. You may close your account at any time, provided all applicable fees for services and account management have been paid in full. Upon closure of an account, any monies remaining in the account, less any applicable fees, will be immediately and automatically paid in full. You will remain liable for all obligations related to the account even after such account is closed. Hacking. If you use, or attempt to use the Service for other purposes including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution where available. Assignability. You may not transfer any rights or obligations you may have under this Agreement without the prior written consent of PayPal. PayPal reserves the right to transfer any right or obligation under this Agreement without your consent. Indemnification. You agree to indemnify and hold PayPal, its affiliates, officers, directors and employees harmless from any claim, action, demand, loss, or damages (including attorneys' fees) made or incurred by any third party arising out of or relating to your use of the Service. Choice of Law. This Agreement is governed by the laws of the state of California, U.S.A as such laws are applied to agreements entered into and to be performed entirely within California by California residents. Arbitration. Any controversy or claim arising out of or relating to this Agreement or the provision of Services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Palo Alto, California, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Either you or PayPal may seek any interim or preliminary relief from a court of competent jurisdiction in Palo Alto, California necessary to protect the rights or property of you or PayPal Corp. (or its agents, suppliers, and subcontractors) pending the completion of arbitration. II. Rights and Disclaimers of PayPal Processing. PayPal shall make reasonable efforts to ensure that requests for electronic debits and credits involving checking accounts, credit or debit cards, and check issuances are processed in a timely manner. However, a number of factors, several of which are outside of our control, will contribute to when the funds are received. We make no representations or warranties regarding the amount of time needed to complete processing, such as delays in the banking system or the U.S. or international mail service, nor shall we be liable for any actual or consequential damages arising from any claim of delay. Miscellaneous Disclaimers. (a) PayPal reserves the right to hold funds beyond the normal distribution periods for transactions it deems suspicious to ensure integrity of the funds. (b) PayPal shall not be responsible for payments made to unintended Recipients due to the input of incorrect information by Senders or for payments made in incorrect amounts. PayPal shall not be responsible for the verification of the identity of Users. (c) PayPal shall not be responsible for any information lost due to malfunction or loss of a handheld device. (d) PayPal shall not be obligated to pay a User for any Payments for which PayPal has not been fully paid by the Sender's credit card issuer. (e) PayPal will not have any liability in connection with any unauthorized interception or use of data relating to you or the PayPal service; any inability to use or access the service or the PayPal website for any reason; any actions or transactions by an individual that uses your user name and password; or any cause over which PayPal Corp. does not have direct control, including problems attributable to computer hardware or software (including computer viruses), telephone or other communications, or Internet service providers. (f) In no event shall PayPal be liable (A) for damages caused other than by intentional misconduct or (B) for any indirect, special, incidental, consequential or punitive damages whatsoever (including, but not limited to, damages for lost profits, disclosure of confidential information, or loss of privacy), arising out of or in any way related to the use of or inability to use business service or the PayPal website or any of the associated services, even if PayPal Corp. has been advised of the possibility of such damages. In no event shall PayPal Corp. be liable for any act or omission of any third party (such as, for example, any provider of telecommunications services, internet access or computer equipment or software) or any circumstances beyond our control (such as, for example, a fire, flood, or other natural disaster, war, riot, strike, act of civil or military authority, equipment failure, computer virus, or failure or interruption of electrical, telecommunications or other utility services). (g) PayPal reserves the right to require users operating with high chargeback rates or otherwise presenting a relatively high risk of losses to choose between closure of their PayPal account or entering into an additional agreement addressing such risks, which may include higher fees. Restrictions. PayPal, at its sole discretion, reserves the right to restrict an account for any one of the events listed below. Reports of unauthorized or unusual credit card use associated with the account including, but not limited to, notice by the card issuing bank Reports of unauthorized or unusual checking account use associated with the account Complaints received regarding non-shipment of merchandise, merchandise not as described, or problems with merchandise shipped Initiation of a chargeback process through your issuing bank Receipt of potentially fraudulent funds Unconfirmed identity Initiation of transactions considered to be cash advances or assisting in cash advances Sending unsolicited, commercial email or posting referral links on websites where they are not permitted Opening multiple Personal accounts The account has been used in or to facilitate fraudulent activity Inability of United States Postal Service to deliver the street address confirmation letter to the address associated with the account Reports of someone other than the intended recipient receiving the Street Address Confirmation letter in the mail Name on the checking account associated with the PayPal account does not match the name on the PayPal account Insufficient funds in the PayPal account to cover the return of an Electronic Funds Transfer for insufficient funds in the checking account, incorrect bank routing number, or incorrect checking account number Insufficient funds in the PayPal account to cover the return of a check sent in for deposit. Use of an anonymizing proxy. Termination. PayPal, in its sole discretion, reserves the right to terminate this Agreement, access to its website, or access to Service without notice for any reason and at any time. Trademarks. PayPal.com, PAYPAL and all related logos, products and services described in this website are either trademarks or registered trademarks of PayPal Corporation, or their licensors, and (aside from "Use of Logos" below) may not be copied, imitated or used, in whole or in part, without the prior written permission of PayPal. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal and may not be copied, imitated, or used, in whole or in part, without the prior written permission of PayPal. Use of Logos. Notwithstanding the above, HTML logos provided by PayPal through its Affiliate Program, Web Accept feature, or Auctions Tools features ("Logos"), may be used without prior written consent for the purpose of directing web traffic to the Service. These Logos may not be altered, modified, or changed in any way, or used in a manner that is disparaging to PayPal or the PayPal service. Logos may not be displayed in any manner that implies sponsorship or endorsement by PayPal. PayPal is a payment service, and no agency, partnership, joint venture, employee- employer or franchiser-franchisee relationship is intended or created by this Agreement. III. Customer Liability and Error Resolution It is very important that you contact us at once if you believe your user ID or password has been compromised, or if someone has transferred or may transfer money from your account without your permission. Under applicable banking regulations, the extent of your liability for an unauthorized transaction is largely determined by your promptness in notifying us or your bank if someone has gained access to your password, or if a transfer or withdrawal in your monthly statement is incorrect or unauthorized. Notifying us quickly limits your liability: a) If you notify us within two business days after you learn that your password or other means to access your account may have become known by an unauthorized person, you can lose no more than $50.00 if an unauthorized person uses your password or other means to access your account without your permission to initiate a transaction. If you do not notify us within two business days, and we can prove that we could have stopped someone from using your password or other means to access your account without your permission if you had told us, you could be liable for as much as $500.00. b) We will periodically email you a notice to inspect your transaction history online. If your transaction history shows electronic funds transfers that you did not make or authorize, notify us at once. If you do not notify us within 60 days after receiving notice, you may not recover any money you lose after the 60 days if we can prove that we could have stopped someone from taking the money if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from notifying us, we may extend the time periods. c) In case of unauthorized transactions, payment problems, errors or questions about your account, you should notify PayPal through application messaging or e-mail. You must: 1) Tell us your name and primary email address; 2) Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and, 3) Tell us the dollar amount of the suspected error. If you tell us by telephone, we may require that you send your complaint in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate the complaint or question. If we decide to do this, we will provisionally credit your transaction account within ten (10) business days for the amount you think is in error, so that you may have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your transaction account. If we determine there was no error, we will mail you a written explanation within three (3) business days after we finish the investigation. You may ask for copies of documents which we used in our investigation. We may revoke any provisional credit provided to you if we find that an error did not occur. IV. Consumer Protection Programs In general. PayPal's consumer protection programs, consisting of a Buyer Complaint Policy and a Seller Protection Policy as defined below, are designed to help buyers recover from sellers who do not ship the promised goods, and to reduce the risk of chargebacks for sellers who follow specified risk-reduction procedures. The Seller Protection Policy is also designed in part to reduce fraud by encouraging users of the PayPal service to become Verified. A Verified User is a registered user of the Service who has completed a confirmation process indicating that they truly do control the bank account that is linked to their PayPal account and maintain that link. Verification, in conjunction with our other proprietary authentication methods, lowers our company's financial risk and allows us to provide the consumer protection policies listed below. Buyer Complaint Policy i. General. If you pay a seller who does not ship the promised goods, you should first contact the seller and attempt to resolve the dispute. If you are unable to resolve the dispute in this manner, you should then file a Buyer Complaint Form with PayPal as soon as possible. The Buyer Complaint Form may be found by going to the "Security Center" link in the footer of any PayPal page. PayPal will investigate your claim, contact the seller and, if the seller does not present appropriate proof of shipment, a full refund or other evidence of a satisfactory resolution, PayPal will seek to collect the amount you paid from the seller. PayPal may also restrict the seller's PayPal account. You and other buyers who file claims against the same seller will be entitled to the return of any and all funds PayPal is able to collect from the seller, on a first-come, first-served basis for funds received by PayPal prior to the restriction of the seller's account. Recovery of your claim is not guaranteed. Complaints must be filed no later than 30 days from the date of payment. PayPal will seek to resolve the complaint within 30 days from the date the complaint is filed, though such time frame may be extended, if appropriate, to accommodate the investigation. ii. Additional Protection for eBay Auctions. For purchases made on eBay using PayPal, PayPal offers domestic users an additional layer of protection if you pay a Verified seller but do not receive your goods. Note that this additional protection is not available for international users. If PayPal is unable to recover funds on an approved dispute through our investigation, you may file a claim under eBay's Insurance Claims process (an "eBay Claim"). If your eBay Claim is granted but does not cover the full amount of your loss, PayPal will reimburse you for up to $200 of such additional losses, whether or not PayPal is able to recover such funds from the seller. In order to receive this additional protection, you must file a Buyer Complaint Form with PayPal within 30 days after the eBay transaction and follow the same process as stated in (i) above. After the PayPal investigation is completed, if all your funds are not recovered, you are eligible for this additional protection. You may file your eBay Claim at any time, but eBay is likely to require you to obtain a determination from PayPal before they will process your claim. If and when your eBay claim is granted, you must contact PayPal customer service within 30 days after the grant date. You will have to provide a copy of the eBay Claim that you filed and satisfactory evidence that your eBay Claim was granted, so you should retain a copy of these documents. PayPal may also require additional documentation for proof of your identity. PayPal will reimburse you for your additional losses not covered by the eBay claim, up to $200, within 30 days from the date you provide evidence that your eBay Claim was granted, though such time frame may be extended if necessary to ensure the accuracy of the claim. This Additional Protection does not apply to disputes about the quality or attributes of delivered goods, goods that have been lost in the mail as shown by seller's presentation of proof of shipment, payments for services, payments to Unverified sellers, or a seller's failure to deliver intangible goods. In order to be eligible for the eBay Additional Protection, you must have paid for the undelivered goods with a single payment from a single PayPal account. The seller's Verification status will be displayed to you on the PayPal website when you confirm the details of your transaction, giving you the opportunity to cancel the transaction prior to sending payment if you do not want to pay an Unverified seller. Seller Protection Policy. Beginning August 23, 2000, PayPal agrees to indemnify sellers of physical goods for chargeback liability resulting from a buyer's unauthorized use of a credit card and/or false claims of non-shipment of goods, for payments received by the seller through PayPal of up to $5,000 per year, if the following conditions are met: The seller is a Verified Business or Verified Premier Account (U.S.). The seller ships to the buyer's Confirmed Address. The seller can provide reasonable proof-of-shipment which can be tracked online. This documentation must show that you shipped to the Confirmed Address. (Most U.S. carrier companies offer this service, including the U.S. Postal Service.) Because comparable proof-of-shipment is not currently available for electronically- delivered items, we are currently unable to offer Seller Protection for digital goods and other electronically-delivered items. The seller accepted a single payment from only one PayPal account for the purchase. (Multiple payments from different accounts for a single item are a fraud indicator. Sellers should not accept such payments.) The seller ships to a domestic (U.S.) buyer at a U.S. address. When you receive funds through PayPal, if the sender's transaction is reversed for any reason and you do not qualify for the Seller Protection Policy for that transaction, you will owe PayPal for the amount of the reversed transaction plus any fees imposed on PayPal as a result of the reversal. You agree to reimburse PayPal from either your PayPal account or by other means. Although PayPal will vigorously pursue debt collection of any amounts owed to it, PayPal will never make electronic transfers from your checking account without your express permission. PayPal prompts buyers to provide sellers with a Confirmed Address when making a purchase. Shipping to this address minimizes the risk of being paid by a fraudulent buyer. If no Confirmed Address is given by the buyer, the seller must either refuse the payment and ask that the buyer show their billing address, or accept the chargeback risk in shipping the item outside of this Seller Protection Policy. Tools for Premier and Business Accounts to refuse to accept payments where the buyer chooses not to share his Confirmed Address can be found on the Preferences page in the Profile subtab under the My Account tab. Credit Card Transactions: The Buyer Protection Policy does not obviate any other consumer rights Users may have, including chargeback rights that may be granted by a User's credit card issuer. PayPal is the merchant of record with respect to all credit card transactions through the PayPal service to purchase goods or service. As such, we afford customers the rights and privileges expected of a credit card transaction. You acknowledge that PayPal does not control the outcome of any chargeback decision initiated through a customer's credit card issuing bank. PayPal encourages all buyer purchase disputes to be filed and resolved through the PayPal dispute resolution process, and reserves the right to terminate or restrict account privileges of buyers who file chargeback complaints without attempting to resolve the complaints through PayPal. If a chargeback claim is initiated, whether as a result of a dispute or for any other reason, the parties agree to provide to any requesting party on a timely basis any and all necessary documentation to resolve any chargeback or dispute. PayPal DOES NOT act as the agent of either party in any transaction or resulting dispute, though PayPal does control the outcome of disputes initiated through the Service's dispute resolution process. If you receive funds through a PayPal transaction funded with the sender's credit card, in the event the credit card transaction is charged back and you do not qualify for the Seller Protection Policy, you agree to hold PayPal harmless for the chargeback amount and to reimburse PayPal from either your PayPal account or by other means. Although PayPal will vigorously pursue debt collection of any amounts owed to it, PayPal will never make electronic transfers from your checking account without your explicit permission. Termination. Excessive disputes or chargebacks by you, multiple complaints or claims to PayPal by other Users against you, failure to respond to reasonable requests for information or other abuses of the Service are, without limitation, grounds for restricting your account and/or terminating your right to use the Service. V. Additional Terms of Use for Business and Premier Accounts The terms below apply specifically to use of Premier and Business Accounts through the Service and any related products and services (collectively, the "Premier/Business Service"). Account Information. In addition to the terms listed above, you further agree that PayPal may access and disclose information about you or your use of the Premier/Business Service when PayPal deems necessary or appropriate to comply with the law or legal process, to protect PayPal's systems and customers, or to ensure the integrity and operation of PayPal's business and systems. Unless otherwise prohibited by law, such disclosure may include, without limitation, user profile information (e.g., name, e-mail address, etc.), transaction information, IP address and traffic information, and usage history. Contact and Refund Information. Each user of the Premier/Business Service will be required to input its customer service contact information into the Premier/Business Account application upon registration. You agree to clearly identify your customer service contact information, including but not limited to your business name, address, telephone number, fax number and e-mail address. You further agree to update such information to keep it true, accurate, current, and complete. Taxes. Each user of the Business Service is required to provide its Taxpayer Identification Number (TIN) upon request. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive and to collect, report and remit the correct tax to the appropriate tax authority. PayPal is not obligated to determine whether taxes apply, and is not responsible to collect, report, or remit any taxes arising from any transaction. Security Features. PayPal strongly suggests that you use a web browser with 128-bit encryption. Regardless of whether you use a web browser with security features, PayPal is unable to ensure that data transmitted via the Premier/Business Service is secure and/or will not be intercepted by third parties. Account Use. By accepting the terms as outlined in this Agreement and using your Premier or Business Account, you attest that you hold all the necessary licenses to engage in the advertising and sale of the goods and services offered for sale or use through your Premier or Business Account, and that you do not provide unlawful or illicit products or services. You will not use the Business Service, the website or any of the services offered therein for any unlawful, fraudulent or improper activity. If PayPal has reason to believe that you may be engaging in or have engaged in fraudulent, unlawful, or improper activity, including without limitation any violation of any terms and conditions relating to the Premier/Business Service, the website or any related services, your access to the website and any services contained therein may be suspended or terminated. You will cooperate fully with PayPal to investigate any suspected unlawful, fraudulent or improper activity. Fees. PayPal's current Fee Schedule for using the Premier/Business Service is posted on the website. Unless otherwise stated, all fees quoted are in U.S. dollars. Users are responsible for paying all fees associated with the use of their Premier or Business Accounts and the Premier/Business Service. VI. Additional Terms of Use for PayPal Shops The terms below apply specifically to use of the PayPal Shops feature, which enables PayPal users to display information about their website to other PayPal users utilizing the www.paypal.com website. Accuracy of website registration information. All information you provide at the time of PayPal Shops registration must be truthful, including the website's title, description, category, and all other requested information. If any change occurs in your PayPal Shops registration information, you must promptly update the information through the PayPal website. Failure to comply will result in removal of any mention of your website from the PayPal website, and may result in permanent ineligibility from registering a website with PayPal. Provision of deceptive information may result in the locking or closing of your PayPal account. You grant PayPal the right to access your site through manual observation or automated "spidering" in order to monitor the accuracy of your registration information. PayPal is under no obligation to monitor the accuracy of your site. Eligibility. Any Verified premier or business account user with a registered credit card who has opened a PayPal Money Market Reserve Fund account and is not banned from the PayPal service is eligible to register a website in PayPal Shops. This website must accept PayPal payments. If at any time the owner of a registered Shop removes information necessary for verification of his or her PayPal account, that website will cease to be registered with PayPal and displayed to its users. By registering, you grant PayPal the right to run a credit check on you or your business at any time. PayPal reserves the right to remove the listing of any website from the PayPal Shops directory for any reason and at any time. License to Use Your Information. You remain the owner of the Website registration information that you provide to PayPal, but by providing such information to PayPal, you are granting PayPal permission to use the information in connection with the PayPal Shops service. Specifically, you grant PayPal a non-exclusive, worldwide, perpetual, royalty-free license to copy, publish and display your Website registration information on the PayPal website or in e-mail messages related to your PayPal transactions, subject to compliance with PayPal's Privacy Policy. This license will end upon termination of your membership in PayPal Shops, whether such termination is caused by you or by PayPal. No Endorsement. PayPal's presentation of website registration information is not an endorsement of the website or of any goods or services offered on the website. Any attempt to state or imply PayPal's endorsement of your goods or services constitutes grounds for immediate termination of your participation in the website registration program. No Illegal Websites or Websites which violate the PayPal Shops Allowable Goods and Services Guidebook. You may not register a website that promotes or facilitates illegal actions, including but not limited to the sale of goods or services that infringe on the intellectual property of a third party. You also may not register a website that violates the rules outlined in the PayPal Shops Allowable Goods and Services Guidebook. Any such registration constitutes ground for immediate termination of your participation in the website registration program and immediate closure of your PayPal account. No Framing. Because PayPal members are warned never to enter their PayPal account password into any page whose URL does not begin with https://www.paypal.com, the use of "framing," where a 3rd party site displays a portion of the PayPal website inside a webpage whose URL is not https://www.paypal.com, is prohibited. Shopping at Websites Registered with PayPal. Website registration information is provided by the owner of the website, and PayPal is not responsible for any errors or misrepresentations in such information. PayPal specifically disclaims all warranties with respect to website registration information, including but not limited to the warranty of merchantability and the warranty of accuracy of informational content. PayPal does not guarantee any level of security in shopping at third-party websites registered with PayPal, nor does PayPal guarantee the quality of goods or services offered on these websites. For more information on security in Web shopping, please visit our Security Tips page. Fees. Placement in PayPal Shops is currently free. Fees may be introduced in the future, but no changes will be made without first notifying you. VII. PayPal/MasterCard™ Debit Card Terms of Use Eligibility. The PayPal/MasterCard ATM/Debit Card (the "Debit Card" or the "Card") is offered to a limited set of PayPal users, based on system requirements and capacity. Many of our users will not be offered a debit card immediately. Users that are offered a debit card will need to complete the following application requirements, if they have not already done so: Have been a PayPal member for at least 60 days Are residents of the U.S. Have registered a credit card where the monthly statement is sent to a physical street address (not a P.O. Box). PayPal will only mail the Debit Card to this address; periodic statements and transaction information will be available on the PayPal Web site and not by mail. Have linked a bank account to their PayPal account and verified control of the bank account Have opened or upgraded to a Premier or Business account Upon review by our Account Review department are deemed as being in good standing within the PayPal community Users who are issued a debit card without requesting a debit card are under no obligation to activate or use the card. PayPal intends to make debit cards available to international accounts in the future. If you are an International account holder and would like to be notified early of our international debit card rollout, please email cardrequest@paypal.com. Obtaining and activating your ATM/Debit Card. a) PayPal retains the sole discretion to accept or reject any application for a Debit Card. If your application is accepted, it will take between 3-4 weeks to process your request and mail the Debit Card to your address. For security reasons, we will only send the card to your Primary credit card billing address. b) Once you receive your card in the mail, you can activate your card by logging into www.paypal.com and following the instructions at the "Activate Debit Card" link on the Account Overview page, including selection of a Personal Identification Number (PIN). Debit Card Transactions. a) Using your card at an ATM. You may use your Debit Card at any ATMs which are a part of the MasterCard/Maestro/Cirrus ATM network. ATM withdrawals are available up to the daily authorization limits disclosed in Section 5 below, provided the available balance in your PayPal Account (including your Money Market Reserve Fund) is greater than or equal to the amount requested. You may use your Debit Card at such an ATM to perform the following types of transactions: Withdraw cash from your PayPal Account Find out your PayPal Account balances Note: A specific ATM terminal may not perform or permit all the above transactions, and transactions may be subject to a surcharge assessed by the terminal owner. Each Debit Card may only be linked to a single PayPal account. b) Using your card to pay for purchases. You may use your Card to purchase goods and services from merchants that accept MasterCard, up to the available balance in your PayPal Account, and subject to the transaction limits specified in Section 5 below. Purchases made with your Card will be charged against your PayPal Account balance. Fees and Rebates a) Using your card at an ATM. PayPal charges a $1.00 ATM fee when you make a cash withdrawal. In addition, ATM transactions may be subject to a surcharge assessed by the terminal owner. PayPal has no control over these surcharge fees. For a limited time, the PayPal $1.00 fee will be rebated, up to a maximum of $3.00 per month, when you use your Card to make at least $100 in purchases in a calendar month. The rebate for any given month will be paid out by the 5th of the following month, provided the given month's purchases total greater than $100. This rebate will no longer be available in after June 29, 2001. b) Using your card to pay for purchases. There is no fee to use your card to make purchases at merchants that accept MasterCard. In addition, if you join our PayPal Preferred Rewards Program, you will earn 1.5% cashback on qualifying debit card purchases. See section c) below for details. d) PayPal Preferred Rewards i. The PayPal Preferred Rewards program provides 1.5% cashback for all PayPal MasterCard Debit Card purchases that do not require a PIN. Many merchants that do require a PIN (e.g. at gas stations or grocery stores) offer you the option of choosing 'Credit' or 'ATM/Debit' when making a transaction. To qualify for the 1.5% cashback, you must choose 'Credit'. Even though you choose 'Credit,' the transaction will be prosessed as a debit to your PayPal balance, not as a loan of any kind. ii. Eligibility. To be eligible for PayPal Preferred Rewards, you must complete the following requirements: Obtain and activate a PayPal MasterCard Debit Card. Confirm your auction information in your PayPal profile. List PayPal as the only online payment option which you will accept in all of your eBay auction listings. iii. PayPal reserves the right to change the PayPal Preferred Rewards program at any time. PayPal will announce any changes to the program 2 weeks in advance. Other Terms and Conditions Limitations On The Number And Dollar Amount Of Card Transactions. Your Card transactions will be subject to daily limits of $300 for ATM cash withdrawals / $1000 for purchases. If you reach your daily limit, for fraud prevention purposes, you may not be able to complete additional transactions on the following day. This restriction should be lifted within a day. Benefits of a PayPal/MasterCard Premier BusinessCard. Both Premier and Business Accounts will be eligible for a PayPal / MasterCard Premier BusinessCard. This card has additional features and benefits that are entirely free to the cardholder and are not available on standard consumer cards. Please see the MasterCard Guide to Benefits (.pdf, 494 KB). If you are not a business and do not want a PayPal / MasterCard Premier BusinessCard, please email cardsupport@paypal.com and put "Consumer Card Request" in the subject line. One of our Debit Card Support Representatives will process your request and mail the card to you. Expiration. Unless otherwise stated on your Card and in your Card activation materials, the Card will expire 2 years from the month it was issued. Foreign Transactions. If you use your Card to obtain cash or to purchase goods or services in another country, the amount of the charge in foreign currency will be converted to a U.S. dollar amount by the MasterCard network. In making this conversion, the network will use the procedures set forth in its operating regulations. Conversion to U.S. dollars may occur on a date other than the date of the transaction; therefore, the currency conversion rate may be different from the conversion rate in effect on the transaction date. You acknowledge that PayPal does not determine the currency conversion rate that is used, and we do not receive any portion of the currency conversion rate. Preauthorization Holds. When you use your Card at a point of sale location or when you use the MasterCard or other network enhancement feature of the Card to obtain goods or services or to obtain cash from a merchant, the merchant may attempt to obtain preauthorization from us for the transaction. If the merchant makes such a request, we place a four-calendar day hold on your PayPal account for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant) If the preauthorization request varies from the amount of the actual transaction, payment of the transaction may not remove the hold, which will remain on the account until the fourth calendar day after the request. This hold may affect the availability of funds from your PayPal Account to pay for transactions. We will not be responsible for any damages if any transactions are not completed because of the hold. Your Right To Receive Documentation Or Notice Of Transactions. TELL US AT ONCE if you believe your Card or any other Access Device has been lost or stolen or if you think your PIN or Password is no longer secure or confidential. Please login into www.PayPal.com and report your card as Lost / Stolen in the "Profile" section. Reporting the card Lost / Stolen on the site is the best and fastest way of keeping your possible losses down. If you tell us within two days after you learn of the loss or theft, you will not be charged more than $50.00 if someone used your Card or other Access Device without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your Card or other Access Device, and we can prove we could have stopped the unauthorized transactions if you had told us, you could lose as much as $500.00. Also if your on- line statement shows transactions that you did not authorize, TELL US AT ONCE. If you do not tell us within 60 days after the Periodic Notice is transmitted to you, you may not get back any money you lost after the 60 days if we can prove that we could have prevented the transactions if you had told us in time. A transfer is not considered unauthorized, and you will be fully liable, if you have given a person your Personal Identification Number (PIN) or debit card. If a good reason (such as a long trip or a hospital stay) kept you from telling us about unauthorized transactions, let us know and we will extend the time periods if and as appropriate. You may also have additional rights under the MasterCard Zero Liability program. To protect yourself from losses, you should not reveal your Password, PIN, or any other Access Device to any person not authorized by you to use your PayPal account; not write your PIN or Password on your Card or on any item kept with your Access Devices; and not leave a computer terminal unattended after you have logged in using your Password or other Access Device. Personal Identification Number/Your Electronic Signature Your personal identification number (PIN) is a security code, which has been designed to protect your transaction account against unauthorized use. The PIN provides enhanced security for your account and must be used when making transactions to your account. It is your electronic signature. Sine the PIN is for security purposes, you should memorize it and it should not be disclosed to anyone. You can change your PIN at any time, and a temporary hold can be placed on your account if the PIN has been compromised or if your card is lost or stolen. Ownership Changes If you authorize an ownership or name change on your account, it will be your responsibility to destroy your old PayPal Debit Card, as well as obtaining a new Personal Identification Number (PIN), or you may be liable for any losses which may occur. Termination. We may terminate debit card services, in whole or in part, without notice, due to your default, account downgrade, our decision to terminate our debit card business, or as a security precaution. If you or we cancel this Debit Card Agreement you must surrender or destroy your Card or any other Access Device issued to you. Depending on the circumstances, we will attempt to give you prior notice, but this may not be possible in all cases. In Case Of Errors Or Questions About Your Electronic Transfers. Telephone Customer Service at (402) 935-2017, or e-mail cardsupport@paypal.com or write PayPal Customer Service Attn: Debit Card Service Department at P.O. Box 50185, Palo Alto, CA 94303 as soon as you can if you think your statement is wrong or if you need more information about a transfer shown on the statement. We must hear from you NO LATER than 60 days after the problem or error has appeared on your on-line statement. In your communication to us, be prepared to provide us with the following information: Your name and Account number. A description of the error or the transfer you are unsure about, why you believe it is an error or why you need more information. The dollar amount of the suspected error. What We'll Ask You If you initially provide this information to us via the telephone, we may require that you send your complaint or question in writing within 10 business days. We will advise you of the results of our investigation within 10 business days after we hear from you (20 business days for transactions at a point of sale terminal or outside the United States) and 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 (90 days for transactions at a point of sale terminal or outside the United States). If we decide to do this, we will provisionally re-credit your Account within 10 days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.". If we ask you to put your question or complaint in writing and we do not receive it within 10 business days, we may not provisionally re-credit your Account. At the end of our investigation, we will advise you of the results within three (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, any fees, and/or interest provisionally credited in relation to the alleged error. You may ask for copies of the documents that we used in our investigation. Our Liability For Failure To Complete Transactions. If we do not complete a Card transaction on time or in the correct amount, according to our agreement with you, we will be liable for your losses or damages proximately caused by this failure. However, there are some exceptions. For instance, we will not be liable if: Through no fault of ours, you do not have enough available funds in your PayPal Account to make the transaction. The automated teller or cash dispensing machine does not have enough cash. Any terminal or system was not working properly and you knew about the breakdown when you started the transaction. Circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. Confidentiality. We will disclose information to third parties about your Card account or the transactions you complete with the Card only: i) In order to process and complete your transactions, including verifying the authenticity of the transaction; ii) In order to comply with government agency or court orders, including proper requests from law enforcement agencies, or to conduct investigations of fraud or violations of our Terms of Use; or iii) If you give us your written permission. Please see our Privacy Policy for a complete description of our use and protection of your Account information. What Constitutes a Business Day PayPal's business days are Monday through Friday. Saturday, Sunday, and Holidays are not considered business days. Retrieval Requests: Upon written request, copies of documentary evidence of transactions on your PayPal Debit card account are available for income tax and other purposes at a cost of $10.00 per item. As long as the computer you use to access your PayPal account is connected to a functioning printer, you can always print out your transaction history, or the details of a specific transaction, without any additional charge. We will not charge you for documentation obtained in connection with a good faith assertion of error in connection with your PayPal Debit card. This Agreement is subject to change at any time without prior notice, by posting of the revised agreement on the PayPal website and you may review the current terms of use prior to initiating a transaction at any time at our Terms of Use page.