How does PayPal safeguard your personal information?
	What personal information do we collect?
	To what parties do we disclose personal information?
	What are your privacy choices?
	In Case of Errors or Questions About Your Electronic Transfers

	PayPal automatically encrypts your personal information in transit from your computer to ours using the Secure Sockets Layer protocol (SSL) with an encryption key length of 128-bits. Even before you register or log in to our site, our server checks that you're using an approved browser - one that uses SSL 3.0 or higher.
	Once your information reaches us, it resides on a server that is heavily protected. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your information. Our servers sit behind an electronic firewall and are NOT directly connected to the Internet, so your personal information is available only to authorized computers.
	Only authorized employees are permitted to access customer information. Authorized employees have been trained on how to handle information properly and are subject to strict limitations and guidelines in the handling of that information.

	When you open a PayPal account, we require certain information, such as your name, address, phone number and email address.
	When you send, receive or request a payment through PayPal, we collect transaction information needed to perform the service, which may include your credit card, debit card, or banking information.
	When you sign up for optional features or products, we collect information needed to provide the service or to establish that you qualify for such features or products. For example, when you enroll in the PayPal Money Market Fund, we collect your Social Security Number (SSN), which we are required to do for legal purposes.
	When we cannot verify the information you provide online, we may ask you to send us additional information by fax, such as your driver's license or a recent utility bill. This is necessary in order to safeguard your account against potential fraud.
	When you sign up for a Business or Premier account or if you send or receive high overall payment volumes through PayPal, we collect supplemental information about your business.

	When you add a credit card or debit card, we use card authorization and fraud screening services to verify the information you provide.
	If you receive high overall payment volumes through PayPal, we may do a background check or obtain information about you from a credit bureau or a business information service such as Dun & Bradstreet.
	We may receive personal information from our subsidiary and affiliated companies about you to investigate fraud or illegal activity, provide integrated customer support, as well as to help facilitate a payment transaction.

	Other PayPal members. Personal information such as your name, email address, date of sign-up, the number of payments you have received from Verified PayPal Customers and Verification status are available to other members. If you are buying goods or services, you may choose to reveal your shipping address to complete the transaction. As always, we never reveal your financial information to other PayPal members, unless required to do so by law.
	Card authorization and fraud screening services. If you add a credit card or a debit card to your PayPal account, we will use these services to verify that your card information and address matches the information that you supplied to us, and that the card has not been reported lost or stolen.
	Other eBay Corporate Entities. We may disclose personal information to other eBay corporate entities to investigate potential fraud or illegal activities as well as to process payments and provide integrated customer support related to eBay transactions.
	Companies with whom we jointly offer products. If you sign up for a co-branded version of PayPal, we will share only the minimum information to provide enhanced integration between PayPal's and the partner's services. We may provide personal information to companies that perform marketing services on our behalf. For example, we disclose information to Providian National Bank, the issuer of PayPal Visa credit cards, to determine customers' eligibility for the PayPal Visa credit card. Financial information, such as credit card or checking account information is NOT revealed.
	Agencies or authorities with whom we are legally required to cooperate. We may disclose information during the investigation of fraud or illegal activity. For example, we may disclose personal information in response to a subpoena, warrant, court order, or comparable legal process.

	You have the ability to view or update your personal information and credit card or checking account information any time by logging in to your PayPal account and clicking on Profile.
	You have choices in the types of communications you wish to receive from PayPal. When you opened a PayPal account, your notification preferences were set to receive the PayPal Periodical and Product Updates, and invitations to Customer Surveys. To change these notification settings or to opt-in to other notifications, please log in to your PayPal account and go to the Profile subtab of the My Account tab. Click on the Notifications link in the Account Information column.
	You have the choice of closing your PayPal account. If you choose to close your account, we will mark your account in our database as "closed," but will keep your personal information in our database. Your information will only be used for fraud prevention, to assist law enforcement, or as permitted by law.
	You have the ability to review PayPal's Privacy Policy anytime by clicking on the Privacy link at the foot of the PayPal website.
	If you have any other questions about PayPal's privacy practices, please feel free to contact us at (402) 935-2300.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 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 45 days to investigate your complaint or question. If we decide to do this, we will credit your 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.

If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we are not required to credit your account during the investigation period. For errors involving new accounts, point-of-sale (e.g. debit cards), or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Thank you for making PayPal the world's #1 online payment service.

Sincerely,


PayPal