Common use of Account Limitations Clause in Contracts

Account Limitations. Limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. We may limit your access to sending, receiving or withdrawing funds for up to 180 days. A limitation may remain beyond 180 days if we reasonably believe there is still a risk to the integrity, security or reliability of us or our systems. There are several reasons why your PayPal account could be limited, including: • If we hold a reasonable belief that there is an increased risk associated with your PayPal account or other service you receive from us or one of our affiliates. • If your account is associated with another account or service you receive from us, one of our affiliates or eBay which has been limited, is not in good standing, or poses a risk to the integrity, security or reliability of us or our systems. • If we suspect someone could be using your PayPal account without your knowledge, we'll limit it for your protection and look into the fraudulent activity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with the law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor seller performance because you've received an unusually high number of claims and chargebacks, selling an entirely new or high-cost product type, such as jewelry, or if your typical sales volume increases rapidly. • Reports of unauthorised or unusual card use associated with the account. • Reports of unauthorised or unusual bank account use associated with the account. • Abuse by a buyer of the reversal process provided by the buyer's bank or card provider. • Abuse by a buyer or seller of the PayPal Buyer Protection Policy or PayPal Seller Protection Policy. • Multiple disputes from your customers received regarding about non-despatch of goods, non-delivery of services, goods not as described or problems with goods shipped. • Receipt of potentially fraudulent funds. • Facilitation of fraudulent activity. • Excessive disputes or reversals. • Attempts to "double dip" by receiving funds in a dispute both from us and through a reversal or a refund from the seller or a third party. • Refusal to cooperate in an investigation or with our requirements to verify your identity when requested. • Initiation of transactions considered to be cash advances or assisting in cash advances. • Sending unsolicited emails or posting referral links on websites where they are not permitted. • Material breaches of this agreement or any of its incorporated policies. • A risk assessment of your account conducted by us. • The name on the Nominated Bank Account or Card not matching the name on your account. • Return of an incoming electronic funds transfer for insufficient funds or incorrect bank details. • Use of an anonymising proxy. • Reports from credit agencies of a high level of risk. • Use of your account is deemed by us, Visa, MasterCard, Discover or American Express to constitute abuse of the card system or a violation of card association rules, including using our system to test card behaviours. • Logging in from a country not included in PayPal's permitted countries list. • The occurrence of an insolvency event. • Failure to provide us with information about you or your business activities that we may reasonably request. • Any other activities which we reasonably deem as high risk selling or receiving activity. You must resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability. The actions we may take include: • Return funds to the sender and restore access to your account; • Continue to limit your account access to protect us against the risk of reversals, legal and/or regulatory risk or because we may be prohibited by law from releasing funds or unrestricting your account; • Close your account by giving you notice and returning any funds held in your balance to you, less funds in dispute. If you are later determined to be entitled to funds in dispute we will return those funds to you; or • Refuse to provide our services to you in the future. There may be certain situations where there is no specific action that you can take to help remove the limitation (for example, the limitation is put in place due to policies we have to ensure we're in compliance with laws). If you find that your PayPal account has been limited, you should either review the email you receive from us informing you that your PayPal account is limited, or log in to your PayPal account for additional details about the limitation on your PayPal account.

Account Limitations. Limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities, an increased financial risk, or activity that appears to us as unusual or suspicious. Limitations also help us collect information necessary for keeping your PayPal account open. We may limit your access to sending, receiving or withdrawing funds for up to 180 days. A limitation may remain beyond 180 days if we reasonably believe there is still a risk to the integrity, security or reliability of us or our systems. There are several reasons why your PayPal account could be limited, including: • If we hold a reasonable belief that there is an increased risk associated with your PayPal account or other service you receive from us or one of our affiliates. • If your account is associated with another account or service you receive from us, or one of our affiliates or eBay which has been limited, is not in good standing, or poses a risk to the integrity, security or reliability of us or our systems. • If we suspect someone could be using your PayPal account without your knowledge, we'll limit it for your protection and look into the fraudulent activity. • If your debit or credit card issuer alerts us that someone has used your card without your permission. Similarly, if your bank lets us know that there have been unauthorised transfers between your PayPal account and your bank account. • In order to comply with the law. • If we reasonably believe you have breached this agreement or violated the Acceptable Use Policy. • Seller performance indicating your PayPal account is high risk. Examples include: indications of poor seller performance because you've received an unusually high number of claims and chargebacks, selling an entirely new or high-cost product type, such as jewelry, or if your typical sales volume increases rapidly. • Reports of unauthorised or unusual card use associated with the account. • Reports of unauthorised or unusual bank account use associated with the account. • Abuse by a buyer of the reversal process provided by the buyer's bank or card provider. • Abuse by a buyer or seller of the PayPal Buyer Protection Policy or PayPal Seller Protection Policy. • Multiple disputes from your customers received regarding about non-despatch of goods, non-delivery of services, goods not as described or problems with goods shipped. • Receipt of potentially fraudulent funds. • Facilitation of fraudulent activity. • Excessive disputes or reversals. • Attempts to "double dip" by receiving funds in a dispute both from us and through a reversal or a refund from the seller or a third party. • Refusal to cooperate in an investigation or with our requirements to verify your identity when requested. • Initiation of transactions considered to be cash advances or assisting in cash advances. • Sending unsolicited emails or posting referral links on websites where they are not permitted. • Material breaches of this agreement or any of its incorporated policies. • A risk assessment of your account conducted by us. • The name on the Nominated Bank Account or Card not matching the name on your account. • Return of an incoming electronic funds transfer for insufficient funds or incorrect bank details. • Use of an anonymising proxy. • Reports from credit agencies of a high level of risk. • Use of your account is deemed by us, Visa, MasterCard, Discover or American Express to constitute abuse of the card system or a violation of card association rules, including using our system to test card behaviours. • Logging in from a country not included in PayPal's permitted countries list. • The occurrence of an insolvency event. • Failure to provide us with information about you or your business activities that we may reasonably request. • Any other activities which we reasonably deem as high risk selling or receiving activity. You must resolve any issues with your account before a limitation can be removed. Normally, this is done after you provide us with the information we request. However, if we reasonably believe a risk still exists after you have provided us that information, we may take action to protect PayPal, our users, a third party, or you from reversals, fees, fines, penalties, legal and/or regulatory risks and any other liability. The actions we may take include: • Return funds to the sender and restore access to your account; • Continue to limit your account access to protect us against the risk of reversals, legal and/or regulatory risk or because we may be prohibited by law from releasing funds or unrestricting your account; • Close your account by giving you notice and returning any funds held in your balance to you, less funds in dispute. If you are later determined to be entitled to funds in dispute we will return those funds to you; or • Refuse to provide our services to you in the future. There may be certain situations where there is no specific action that you can take to help remove the limitation (for example, the limitation is put in place due to policies we have to ensure we're in compliance with laws). If you find that your PayPal account has been limited, you should either review the email you receive from us informing you that your PayPal account is limited, or log in to your PayPal account for additional details about the limitation on your PayPal account.