Common use of Item Not Received claims Clause in Contracts

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:"

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for coverage under PayPal’s Buyer Protection program: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind kind. • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize prize. • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:code.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection program for an Item Not Received claim claim, if: •  You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location’s physical store, or •  The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: •  The item is materially different from the seller's ’s description of it. •  You received a completely different item. •  The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. •  The item was advertised as authentic but is not authentic (i.e. it is counterfeit). •  The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. •  You purchased a certain number of items but didn't n’t receive them all. •  The item was materially damaged during shipment. •  The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. •  The defect in the item was correctly described by the seller in its description of the item. •  The item was properly described but you didn't want it after you received it. •  The item was properly described but did not meet your expectations. •  The item has minor scratches and was described as "“used." The Ineligible items and transactions under PayPal’s Purchase Protection program Payments for the following items or transactions are not eligible for PayPal’s Buyer Protection programreimbursement under PayPal Purchase Protection: •  Real estate, including residential property • property.  Financial products or investments of any kind.  Businesses (when you buy or invest in a business).  Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • .  Significantly Not as Described claims for wholly or partly custom-made items • items.  Donations including payments on crowdfunding platforms.  Items prohibited by the PayPal Acceptable Use Policy.  For Item Not Received claims for physicalclaims, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location.  Industrial machinery used in manufacturing.  Anything purchased from, except if you or an amount paid for the transaction into, a government agency.  Stored value items such as gift cards and pre-person using PayPal’s goods paid cards.  Gambling, gaming and/or any other activity with an entry fee and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • a prize.  Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • functionality.  Payments that you have sent using PayPal to any xxxx payment service.  Payments made using PayPal Payouts and Mass Pay or guest checkout transactions (i.e. not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:).

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-in- person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly and Mass Pay) Pay • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:: Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller's PayPal account until the dispute is resolved or closed.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's ’s Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), bodies or government agencies or third-parties payments to traders acting on behalf of mandates received from state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal paymentsPayments, including payments a payment sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You have contacted the seller directly and attempted to resolve your transaction related issue. If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal’s Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The Payments for the following items or transactions are not eligible for PayPal’s reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in all or part of a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, Donations including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:on crowdfunding platforms.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's ’s Buyer Protection program Policy for an Item Not Received claim claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location’s physical store, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may will be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may will not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft It was listed as used condition and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest picked it up in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:person.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's ’s Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, gaming and/or any other activities activity with an entry fee and a prize • Donations, Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), bodies or government agencies or third-parties payments to traders acting on behalf of mandates received from state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly and Mass Pay) Pay • Personal paymentsPayments, including payments a payment sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. • You have contacted the seller directly and attempted to resolve your transaction related issue. If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal’s Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The Payments for the following items or transactions are not eligible for PayPal’s reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, Donations including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:on crowdfunding platforms.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items items. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, Payments including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions transaction that include multiple items To be eligible for PayPal's ’s Buyer Protection program you must meet all of the following requirements: • o Have a PayPal account in good standing. • o Pay for the eligible item from your PayPal account. • o Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items items. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, Payments including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions transaction that include multiple items To be eligible for PayPal's ’s Buyer Protection program you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, and then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal’s Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The Payments for the following items or transactions are not eligible for PayPal’s Buyer Protection programreimbursement under PayPal Purchase Protection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service . • Significantly Not as Described claims for wholly or partly custom-made items or items picked up in person. • Donations including payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • Items for which importation is restricted by law or regulation. • For Item Not Received claims for physicalclaims, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code . • Industrial machinery used in manufacturing. • Anything prohibited by PayPal’s Acceptable Use Policy purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Payments sent using PayPal to any bill payment service. • Payments made using PayPal’s PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have i.e. not sent using your PayPal account account). • Insurances and/or its respective premiums, capitalization bonds and private pension plans. • Items intended for resale, including single item transactions or transactions that include multiple items items. To be eligible for PayPal's Buyer PayPal Purchase Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, payment and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's ’s Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The following items or transactions are not eligible for PayPal’s PayPal Buyer Protection program: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or in exchange-traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, and/or any other activities with an entry fee and a prize prize. • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies agencies, or third-parties acting on behalf of state-run bodies or government agencies agencies. • Payments to any xxxx bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items items. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal’s 's goods and services QR code code. • Anything prohibited by PayPal’s 's Acceptable Use Policy Policy. • Payments made using PayPal’s 's Payouts (formerly and Mass Pay) . • Personal payments, Payments including payments sent using PayPal’s friends and family functionality functionality. • Payments that you have not sent using your PayPal account account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. • Insurances and/or its respective premiums, capitalization bonds and private pension plans. To be eligible for PayPal's PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s PayPal´s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, and then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's ’s Buyer Protection program Policy for an Item Not Received claim claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location’s physical store, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may will be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may will not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The • It was listed as used condition and you picked it up in person. Payments for the following items or transactions are not eligible for PayPal’s reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service . • Significantly Not as As Described claims for wholly or partly custom-made items items. • Donations and payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims for physicalclaims, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code . • Industrial machinery used in manufacturing. • Anything prohibited by PayPal’s Acceptable Use Policy purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality functionality. • Payments that you have sent using PayPal to any xxxx payment service. • Payments made using PayPal Payouts and Mass Pay or guest checkout transactions (i.e. not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:).

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:"

Item Not Received claims. Your claim will not qualify for a refund under PayPal's ’s Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The following items or transactions are not eligible for PayPal’s PayPal Buyer Protection program: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, and/or any other activities with an entry fee and a prize prize. • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies agencies, or third-parties acting on behalf of state-run bodies or government agencies agencies. • Payments to any xxxx bill payment service service. • Significantly Not as Described claims for wholly or partly custom-made items items. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal’s 's goods and services QR code code. • Anything prohibited by PayPal’s 's Acceptable Use Policy Policy. • Payments made using PayPal’s 's Payouts (formerly Mass Pay) known as MassPay). • Personal payments, Payments including payments sent using PayPal’s friends and family functionality functionality. • Payments that you have not sent using your PayPal account account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. • Insurances and/or its respective premiums, capitalization bonds and private pension plans. To be eligible for PayPal's PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase PayPal´s Purcha se Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, and then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly and Mass Pay) Pay • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection program for an Item Not Received claim claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location’s retail point of sale, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your addressyou, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The Payments for the following items or transactions are not eligible for PayPal’s reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses Significantly Not as Described claims for wholly or partly custom-made items (when unless they are claimed to be Not received) or items picked up in person. • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims, items which you buy collect in person or invest arrange to be collected on your behalf, including items bought in a business) retail point of sale location. • Industrial machinery used in manufacturing manufacturing. • Payments that are payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies. • Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments. • Payments made using PayPal Payouts and Mass Pay or. not sent using your PayPal account. • Purchases of goods and services using Zong, Website Payments Pro or Virtual Terminal (if available) • Payments made in respect of gold (whether in physical form or in exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account ; • Items intended for resale, including single item transactions or transactions that include multiple items items. PayPal may at its sole discretion automatically close any Dispute or Claim you file which PayPal has reason to suspect is not related an eligible purchase as outlined above. To be eligible for PayPal's PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, and then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection programProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:: Step 1: Open a dispute within 180 days of the date you made the payment. This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute. If you are unable to resolve the dispute directly with the seller, proceed to Step 2. We will place a hold on all funds related to the transaction in the seller's PayPal account until the dispute is resolved or closed.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:"

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The Payments for the following items or transactions are not eligible for PayPal’s Buyer Protection programreimbursement under PayPal Purchase Protection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service . • Significantly Not as Described claims for wholly or partly custom-made items or an item purchased from a classified listing and picked up in person. • Donations including payments on crowdfunding platforms. • Items prohibited by the PayPal Acceptable Use Policy. • Items for which importation is restricted by law or regulation. • For Item Not Received claims for physicalclaims, tangible items which you collect in person or arrange to be collected on your behalf. This includes , including items bought in a seller's ’s store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code . • Industrial machinery used in manufacturing. • Anything prohibited by PayPal’s Acceptable Use Policy purchased from, or an amount paid to, a government agency. • Stored value items such as gift cards and pre-paid cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Payments sent using PayPal to any xxxx payment service. • Payments made using PayPal’s PayPal Payouts and Mass Pay or guest checkout transactions (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have i.e. not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standingaccount). • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation Insurances and/or its respective premiums, capitalization bonds and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:private pension plans.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's ’s Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The following items or transactions are not eligible for PayPal’s PayPal Buyer Protection program: • Real estate, including residential property property. • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when you buy or invest in a business) ). • Industrial machinery used in manufacturing manufacturing. • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) ). • Financial products or investments of any kind kind. • Gambling, gaming, and/or any other activities with an entry fee and a prize prize. • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms platforms. • Payments to a state-run body (except for state-owned enterprises), government agencies agencies, or third-parties acting on behalf of state-run bodies or government agencies agencies. • Payments to any xxxx payment service service. • Significantly Not as Described claims for wholly or partly custom-made items items. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal’s 's goods and services QR code code. • Anything prohibited by PayPal’s 's Acceptable Use Policy Policy. • Payments made using PayPal’s 's Payouts (formerly Mass Pay) known as MassPay). • Personal payments, Payments including payments sent using PayPal’s friends and family functionality functionality. • Payments that you have not sent using your PayPal account account. • Items intended for resale, including single item transactions or transactions transaction that include multiple items items. • Insurances and/or its respective premiums, capitalization bonds and private pension plans. To be eligible for PayPal's PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s PayPal´s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, and then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're ’re unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The Payments for the following items or transactions are not eligible for PayPal’s reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in all or part of a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service . • Significantly Not as Described claims for wholly or partly custom-made items or an item purchased from a classified listing and picked up in person. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, Donations including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:on crowdfunding platforms.

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies agencies, or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items items. • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store ’s point of sale location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly and Mass Pay) Pay • Personal payments, Payments including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions transaction that include multiple items To be eligible for PayPal's ’s Buyer Protection program you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, and then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal’s Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:

Item Not Received claims. Your claim will not qualify for a refund under PayPal's Buyer ’s Purchase Protection program for an Item Not Received claim if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's ’s store location, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's ’s description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "“new" ” but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't n’t receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "“used." The following items or transactions are not eligible for PayPal’s Buyer Protection program: • Real estate, including residential property • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards • Businesses (when you buy or invest in a business) • Industrial machinery used in manufacturing • Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards • Payments made in respect of gold (whether in physical form or exchange-traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items To be eligible for PayPal's Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim under PayPal’s Purchase Protection through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre within 180 days of the date you sent the payment, and follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre to pursue a claim under our Buyer Protection program. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:"

Item Not Received claims. Your claim will not qualify for a refund under PayPal's PayPal Buyer Protection program for an Item Not Received claim claim, if: • You collect the item in person, or arrange for it to be collected on your behalf, including if you use PayPal in a seller's store location’s retail point of sale, or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to your addressyou, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods. An item may be considered Significantly Not as Described if: • The item is materially different from the seller's description of it. • You received a completely different item. • The condition of the item was misrepresented. For example, the item was described as "new" but the item was used. • The item was advertised as authentic but is not authentic (i.e. it is counterfeit). • The item is missing major parts or features and those facts were not disclosed in the description of the item when you bought it. • You purchased a certain number of items but didn't receive them all. • The item was materially damaged during shipment. • The item is unusable in its received state and was not disclosed as such. An item may not be considered Significantly Not as Described if: • The item is materially similar to the seller's description of it. • The defect in the item was correctly described by the seller in its description of the item. • The item was properly described but you didn't want it after you received it. • The item was properly described but did not meet your expectations. • The item has minor scratches and was described as "used." The Payments for the following items or transactions are not eligible for PayPal’s reimbursement under PayPal Buyer Protection programProtection: • Real estate, including residential property property. • Financial products or investments of any kind. • Businesses (when you buy or invest in a business). • Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards hoverboards. • Businesses (when Significantly Not as Described claims for wholly or partly custom-made items . • Donations including payments on crowdfunding platforms as well as payments made on crowdlending platforms. • Items prohibited by the PayPal Acceptable Use Policy. • For Item Not Received claims, items which you buy collect in person or invest arrange to be collected on your behalf, including items bought in a business) retail point of sale location,;. • Industrial machinery used in manufacturing manufacturing. • Payments that are payments to state-run bodies, (except for state-owned enterprises) or traders acting on mandates received from state-run bodies Payment equivalent to cash, including stored value items such as gift cards and pre-paid cards cards. • Gambling, gaming and/or any other activity with an entry fee and a prize. • Personal Payments • Payments made using PayPal Payouts and Mass Pay or not sent using your PayPal account. • Purchases of goods and services using Zong, Website Payments Pro or Virtual Terminal • Payments made in respect of gold (whether in physical form or exchange-in exchange- traded form) • Financial products or investments of any kind • Gambling, gaming, and/or any other activities with an entry fee and a prize • Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms • Payments to a state-run body (except for state-owned enterprises), government agencies or third-parties acting on behalf of state-run bodies or government agencies • Payments to any xxxx payment service • Significantly Not as Described claims for wholly or partly custom-made items • Item Not Received claims for physical, tangible items you collect in person or arrange to be collected on your behalf. This includes items bought in a seller's store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Personal payments, including payments sent using PayPal’s friends and family functionality • Payments that you have not sent using your PayPal account • Items intended for resale, including single item transactions or transactions that include multiple items items. PayPal may at its sole discretion automatically close any Dispute or Claim you file which PayPal has reason to suspect is not related an eligible purchase as outlined above. To be eligible for PayPal's PayPal Buyer Protection you must meet all of the following requirements: • Have a PayPal account in good standing. • Pay for the eligible item from your PayPal account. • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Protection through the Resolution Center. Center • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Centre Center within 180 days of the date you sent the payment, and then follow our online dispute resolution process. • Not have received a recovery or agreed to an alternative resolution related to your purchase from another source. source If you're unable to resolve a transaction related issue directly with a seller, you must follow our online dispute resolution process through the Resolution Centre Center to pursue a claim under our PayPal Buyer Protection programProtection. You may also file a claim (Step 2 below) by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied: