Common use of Liability for Unauthorized Transactions and Other Errors Clause in Contracts

Liability for Unauthorized Transactions and Other Errors. Item Not Received claims Your claim will not qualify for a refund under PayPal’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 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. Significantly Not As Described claims 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 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 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." Ineligible items and transactions The following items or transactions are not eligible for PayPal’s Purchase 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 point of sale location, except if you paid for the transaction in-person using PayPal’s goods and services QR code (if available) • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly Mass Pay) • Payments that you have not sent using your PayPal account. Items intended for resale, including single item transactions or transactions that include multiple items • Insurances and/or its respective premiums, capitalization bonds and private pension plans • Items for which importation is restricted by law or regulation Transaction eligibility for PayPal’s Purchase Protection program To be eligible for 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 through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Center 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. Our online dispute resolution process 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 Center to pursue a claim under our Purchase 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:

Liability for Unauthorized Transactions and Other Errors. Item Not Received claims Your claim will not qualify for a refund under PayPal’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 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. Significantly Not As Described claims 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 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 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." Ineligible items and transactions The following items or transactions are not eligible for PayPal’s Purchase 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 point of sale location, except if you paid for the transaction in-person using PayPal’s goods and services QR code (if available) • Anything prohibited by PayPal’s Acceptable Use Policy • Payments made using PayPal’s Payouts (formerly and Mass Pay) Pay • Payments that you have not sent using your PayPal account. Items intended for resale, including single item transactions or transactions that include multiple items • Insurances and/or its respective premiums, capitalization bonds and private pension plans • Items for which importation is restricted by law or regulation Transaction eligibility for PayPal’s Purchase Protection program To be eligible for 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 through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Center 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. Our online dispute resolution process 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 Center to pursue a claim under our Purchase 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:

Liability for Unauthorized Transactions and Other Errors. Item Not Received claims Your claim will not qualify for a refund under PayPal’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 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. Significantly Not As Described claims 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 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 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." Ineligible items and transactions The under PayPal’s Purchase Protection program Payments for the following items or transactions are not eligible for PayPal’s reimbursement under PayPal Purchase 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. • 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 point of sale store location, except if you paid for the transaction in-person using PayPal’s goods and services QR code (if available) . • 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) • Payments that you have i.e. not sent using your PayPal 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 • Insurances and/or its respective premiums, capitalization bonds and private pension plans • Items for which importation is restricted by law or regulation items. Transaction eligibility for PayPal’s Purchase Protection program To be eligible for 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 through the Resolution Center. • Respond to PayPal's request for documentation and other information within the time requested. • Open a dispute in the Resolution Center 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. Our online dispute resolution process 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 Center to pursue a claim under our Purchase 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: