Common use of Eligible for PayPal Seller Protection Clause in Contracts

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s 's Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees fee For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal Buyer Protection on sellers You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection provisions in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • 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. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount. • Create a negative balance in your PayPal account. PayPal Seller Protection What's eligible If you have sold something to a buyer and have already shipped the physical item or provided an intangible good and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim and the Unauthorized Transaction occurs in an environment hosted by PayPal. • They didn't receive the item from you (referred to as an “Item Not Received” claim). PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of PayPal Buyer Protection on sellers. Basic requirements To be eligible for PayPal Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements: • The primary address for your PayPal account must be in one of the countries to which this user agreement applies. • For Unauthorized Transaction claims, you must provide valid proof of shipment or proof of delivery that demonstrates that the item was shipped or provided to the buyer no later than two days after PayPal notified you of the dispute or reversal. For example, if PayPal notifies you of an Unauthorized Transaction claim on September 1, the valid proof of shipment must indicate that the item was shipped to the buyer no later than September 3 to be eligible for PayPal Seller Protection. • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store may also be eligible for PayPal Seller Protection so long as the buyer paid for the transaction in- person by using a PayPal QR code for goods and services transactions. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • The shipping requirement does not apply to eligible transactions involving items that you deliver in person, provided, however, that you agree to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction that we may request. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal's request for documentation and other information in the time requested, you may not be eligible for PayPal Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within seven days after receipt of payment. • Provide proof of shipment or delivery. • The payment must be marked "eligible" or "partially eligible" in the case of Unauthorized Transaction claims, or "eligible" in the case of Item Not Received claims for PayPal Seller Protection on the "Transaction Details" page. • You must accept a single payment from one PayPal account for the purchase (partial payment and/or payment in instalments are excluded). PayPal determines, in its sole discretion, whether your claim is eligible for PayPal Seller Protection. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution process or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal Seller Protection for a buyer's Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal Seller Protection on the "Transaction Details" page. • You must provide proof of delivery as described below.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal Buyer Protection on sellers You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • 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. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favour of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount. • Create a negative balance in your PayPal account. PayPal Seller Protection What's eligible If you have sold something to a buyer and have already shipped the physical item or provided an intangible good and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorise, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorised Transaction” claim and the Unauthorised Transaction occurs in an environment hosted by PayPal. • They didn't receive the item from you (referred to as an “Item Not Received” claim). PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of PayPal Buyer Protection on sellers.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • 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. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This The Chargeback fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal Buyer Protection on sellers You should read our provisions on Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • 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. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount. • Create a negative balance in your PayPal account. PayPal Seller Protection What's eligible If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim and the Unauthorized Transaction occurs in an environment hosted by PayPal. • They didn't receive the item from you (referred to as an “Item Not Received” claim). PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of PayPal Buyer Protection on sellers.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection policy listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • 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. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or Create a negative balance in your PayPal account.

Eligible for PayPal Seller Protection. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide information to us including the cause of their increased dispute rate. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your Dispute Ratio. Chargeback fees For transactions that are not processed either through a buyer’s PayPal account or through the ‘Payments without a PayPal account’ service, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is applied as specified in the Chargeback fee table and will be charged in the currency which you selected for the original transaction listing. If the transaction was in a currency not listed in the Chargeback fee table the fee charged will be in your primary holding currency. Impact of PayPal Buyer Protection on sellers You should read our Buyer Protection Policy and if you sell goods and services to buyers with PayPal accounts in countries other than your own, you also should be familiar with the purchase protection made available by PayPal to buyers in each of those countries as buyers’ rights under these programs may impact you as a seller. You can find information about the PayPal Buyer Protection on the Legal Agreements page by selecting your buyer’s location at the top of the page and referring to the corresponding PayPal Buyer Protection listed on that page or in the corresponding user agreement. If you lose a claim under PayPal Buyer Protection in any country: • You must forfeit the full purchase price of the item plus the original shipping cost. In some cases you may not receive the item back. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back plus pay for return shipping costs. • 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. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your cash account or business PayPal account is insufficient to cover the amount, we may: • place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover the amount; or • create a negative balance in your PayPal account. PayPal Seller Protection What’s eligible If you have received more than €100,000 per month at least once over a consecutive period of 6 months on your PayPal Account and/or if you are applying surcharge for the use of PayPal (when the law applicable to you allows you to apply surcharge), you are not eligible for PayPal seller protection and this section applies to you unless otherwise agreed between you and PayPal. PayPal will review your eligibility for seller protection in October and April of each calendar year. If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal Seller Protection. When it applies, PayPal Seller Protection entitles you to retain the full purchase amount. There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program PayPal Seller Protection may apply when a buyer claims that: • They did not authorize, or benefit from, funds sent from their PayPal account (referred to as an “Unauthorized Transaction” claim), and the Unauthorized Transaction occurs in an environment hosted by PayPal; or • They didn’t receive the item from you (referred to as an “Item Not Received” claim). PayPal Seller Protection may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank. This section describes PayPal Seller Protection as it applies to you, but you should also be familiar with the Impact of various PayPal Buyer protection processes on sellers. Basic requirements To be eligible for PayPal Seller Protection, all of the following basic requirements must be met, as well as any applicable additional requirements: • The primary address for your PayPal account must be in the France. • The item must be a physical, tangible good that can be shipped, except for items subject to the Intangible Goods Additional Requirements. Transactions involving items that you deliver in person in connection with payment made in your physical store, may also be eligible for PayPal Seller Protection so long as the buyer paid for the transaction in-person by using a PayPal goods and services QR code. • You must ship the item to the shipping address on the transaction details page in your PayPal account for the transaction. If you originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • The shipping requirement does not apply to eligible transactions involving items that you deliver in person, provided, however, that you agree to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction that we may request. • You must respond to PayPal's requests for documentation and other information in a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Center. If you do not respond to PayPal’s request for documentation and other information in the time requested, you may not be eligible for PayPal Seller Protection. • If the sale involves pre-ordered or made-to-order goods, you must ship within the timeframe you specified in the listing. Otherwise, it is recommended that you ship all items within 7 days after receipt of payment. • Provide proof of shipment or delivery. • The payment must be marked "eligible" or "partially eligible" in the case of Unauthorized Transaction claims, or “eligible” in the case of Item Not Received for PayPal Seller Protection on the "Transaction Details" page. • You must accept a single payment from one PayPal Account for the purchase (partial payment and/or payment in installments are excluded). PayPal determines, in its sole discretion, whether your claim qualifies for the Seller Protection program. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution process or any other information PayPal deems relevant and appropriate under the circumstances. Item Not Received additional requirements To be eligible for PayPal’s Seller Protection for a buyer’s Item Not Received claim, you must meet both the basic requirements and the additional requirements listed below: • Where a buyer files a chargeback with the issuer for a card-funded transaction, the payment must be marked “eligible” for PayPal’s Seller Protection on the Transaction Details page. • You must provide proof of delivery as described below.