This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. You request additional information or clarification concerning a transfer to or from your PayPal account, including a request you make to determine whether an error has occurred. If you hold a balance in your business account or in your Balance Account: To receive money in a currency your account is not currently configured to accept, it may be necessary to create a balance in your business account or in your Balance Account, in that currency or convert the money into another currency. PayPal will process your debit or prepaid card funded transactions through either the ATM debit network or the Visa, MasterCard or Discover network. We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties. The World Bank has said that public debt in Nigeria is concerning due to the rising debt service-to-revenue ratio. Money sent to a business account can be held directly as balance in the business account. A transaction is missing from or not properly identified in your PayPal account statement. You must publish a privacy policy, where required by law. If you have a Balance Account linked to your personal account, you will receive two statements: one showing all transactions in your personal account and an additional statement showing only transactions involving your Balance Account. OF THE. You must sign the opt-out notice for it to be effective. You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this user agreement, the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and PayPal. PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including: There are two categories of reserves that may be placed on your business account, and one or both may be applied at the same time: If we place a reserve on funds in your account, the funds will be shown as "pending" and well notify you of the terms of the reserve. The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below. Expand your Outlook. If you do not agree with any changes to this user agreement, you may close your account. A change in the amount or type of currency received by the designated recipient from the amount or type of currency stated in the disclosure provided you, if we relied on information provided by you in making the disclosure. An incorrect amount is credited to your PayPal account. In complying with the applicable data protection laws, we will each: Any personal data you collect in connection with the PayPal services (and not otherwise generated, collected, or obtained by you through a customers separate relationship with you outside the use of the PayPal services) will be used by you only to the limited extent that is necessary and relevant to the PayPal services and for no other purpose unless you have obtained the prior express consent of the customer. You can buy something from a seller who accepts PayPal or make a donation, in any currency that the recipient accepts and that PayPal supports using any payment method linked to your PayPal account. Formal theory. In addition to reporting complaints against PayPal directly to PayPal as described above, if you are a California resident, you may report complaints to the Department of Financial Protection & Innovation by mail at Department of Financial Protection & Innovation, Attn: Consumer Services, 1515 K Street, Suite 200, Sacramento, CA 95814 or online through its website athttps://dfpi.ca.gov/file-a-complaint/. Any other third-party software application you use on the PayPal websites is subject to the license you agreed to with the third party that provides you with this software. The total amount of debt that has been suspended under the DSSI framework, covering the period from May 2020 to December 2021, stands at $3,686 million. A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. The Debt Service Suspension Initiative (DSSI If you dont want to be enrolled or receive donations from PayPal Giving Fund, you can opt-out at any time by contacting us. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you. If we decide to do this, we will credit your PayPal account within 10 Business Days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Due to the support extended by the development partners of Pakistan, the G-20 DSSI has provided the fiscal space which was necessary to deal with the urgent health and economic needs of the Islamic Republic of Pakistan. Constitution The AAAs rules are available at www.adr.org. The San Diego Union-Tribune - San Diego, California & National Unless otherwise noted, if we take any of the actions described here, well provide you with notice of our actions, but we retain the sole discretion to take these actions. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. Spoofing: a scammer sends forged or faked electronic documents or emails falsely claiming to be PayPal or coming from PayPal but asks you to send money outside your PayPal account. We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent. Data on debt stocks and debt-service payments for the are available on an annual as well as monthly basis. Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Any arbitration will be administered by the American Arbitration Association (referred to as the "AAA"). With the debt service suspension initiative expiring and interest rates poised to rise, low-income countries will find it increasingly difficult to service their debts. By opening up a business account or converting a personal account to a business account, you certify to us that you are using it primarily for a business or commercial purpose. Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement. We use necessary cookies to make our site work. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal. If you do so, PayPal may remove your PayPal account's ability to use those services or otherwise receive donations. No court or arbitrator shall be bound by rulings in prior arbitrations involving different PayPal customers, but a court or arbitrator will be bound by rulings in prior arbitrations involving the same PayPal customer to the extent required by applicable law. With 189 member countries, staff from more than 170 countries, and offices in over 130 locations, the World Bank Group is a unique global partnership: five institutions working for sustainable solutions that reduce poverty and build shared prosperity in developing countries. By opening and using a PayPal account, you agree to comply with all of the terms and conditions of this user agreement, including the Fee pages, and any upcoming changes described on the Policy Updates page at the time you accept this user agreement (which changes will apply to you on the indicated effective dates). You have the right to receive an account statement showing your PayPal account activity. To the extent that you process any personal data about a PayPal customer pursuant to this agreement, you and PayPal will each be an independent data controller (and not joint controllers), meaning we will each separately determine the purposes and means of processing such personal data. Debt service suspension initiative If you receive customer inquiries relating to: You are responsible for any damages suffered by PayPal or any third parties resulting from your failure to follow the rules of the PayPal Advertising Program, and if you violate these rules, PayPal may modify or remove the PayPal content you are presenting or require you to remove or modify it immediately. If you have authorized an automatic payment and PayPal performs currency conversion for an automatic payment transaction, PayPal will use the transaction exchange rate (including PayPals currency conversion spread) in effect at the time the automatic payment transaction is processed. Repealed by Constitution of the Republic of South Africa, [No. This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third party. Data and research help us understand these challenges and set priorities, share knowledge of what works, and measure progress. The World Bank Group President, David Malpass, has expressed disappointment over Ghana and Nigerias decision not to sign up for the Debt Service Suspension Initiative (DSSI). If something sounds too good to be true, it probably is. The PayPal Advertising Program enables you to promote PayPal services, including PayPals consumer credit products, through PayPal-hosted banners and buttons on your websites or in your customer emails. 1Estimated debt-service payments owed to all official bilateral creditors as per theWorld Bank Debtor Reporting System (DRS) and International Debt Statistics definitions and classifications. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services. If you used Pay with Rewards to fund your transaction, your refund will be processed back as a dollar amount: depending on your card agreement with your issuer, your issuer may or may not credit your purchase back to your reward balance. The empty string is the special case where the sequence has length zero, so there are no symbols in the string. These pooled amounts are held apart from PayPals corporate funds, and PayPal will neither use these funds for its operating expenses or any other corporate purposes nor will it voluntarily make these funds available to its creditors in the event of bankruptcy. If your debit or credit card issuer alerts us that someone has used your card without your permission. CHINESE DEBT SERVICE SUSPENSION INITIATIVE Only rewards available upon processing of your payment will be used. PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. You must indemnify PayPal for actions related to your PayPal account and your use of the PayPal services. All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. If you tell us within 60 days after we provide you your PayPal account statement showing transfers you did not make, you will be eligible for 100% protection for Unauthorized Transactions. So stay on the lookout for some of these common scams: Always use common sense when sending money. If you meet the eligibility requirements in the Nonprofit Certification Policy and are either a Public Charity under Section 509(a) of the Code or a "Private Operating Foundation" under IRS regulations, you may be automatically enrolled with PayPal Giving Fund upon acceptance of this user agreement. Debt Service Suspension Initiative You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration or in small claims court. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than 180 days. As a buyer, this may delay your receipt of the item you purchased. If you grant authority to someone to use your PayPal account (by giving them your login information) and they exceed the authority you gave them. any debt service to the IMF and the World Bank. When this happens, PayPal will place a hold on the transaction and notify the seller to delay shipping of the item. PayPal Giving Fund is a Donor Advised Fund (DAF) recognized by the Internal Revenue Service (IRS) under Section 501(c)(3) of the Code as a tax-exempt public charity (Federal Tax ID: 45-0931286). Payment of all AAA or arbitrator fees will be governed by the AAAs rules, unless otherwise stated in this Agreement to Arbitrate. If we process your debit or prepaid card through an ATM debit network, we may provide you with the opportunity to switch to a Visa, MasterCard or Discover network by changing your preferences for that debit or prepaid card through your PayPal account profile. You can choose any of the payment methods in your PayPal account as your preferred payment method. Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or PayPal services; Use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers; Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users use of any of the PayPal services; Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers; Use the PayPal services to test credit card behaviors; Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g., name, address, email address, etc. To protect us and our users from loss, we may delay a withdrawal, in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been subject to a reversal (for example, as a result of a chargeback, bank reversal, or dispute by a buyer). If the money is converted, PayPals transaction exchange rate (including our currency conversion spread) will be used. For purchases you make in a sellers store location that you paid for using your personal account and the transaction is ultimately refunded, the money will be refunded to your Balance Account if you have one. If they decline to accept the money, the money (including any fees you were charged) will be refunded to: The fees applicable to sending personal transactions can be found on ourConsumer Fees pageand will be disclosed to you in advance each time you initiate sending a personal transaction to a friend or family member. You are responsible for transactions made in this situation. If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. Nigeria's Largest Information Portal. 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