Common use of PayPal Buyer Protection Clause in Contracts

PayPal Buyer Protection. When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from PayPal Buyer Protection, and is described under Resolving Problems. Your claim will not qualify for a refund under PayPal 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 retail point of sale, or • The seller has provided proof of delivery. If the seller presents evidence that they delivered the goods to you, 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. 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." The following items or transactions are not eligible for PayPal Buyer Protection: • 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 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 in exchange- traded form). • Financial products or investments of any kind. • Gambling, gaming and/or any other activity 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), or third parties acting on behalf of state-run bodies or government agencies. • Payments sent using PayPal 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal Payouts (formerly Mass Pay). • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have not sent using your PayPal account. • Items intended for resale, including single item transactions or transaction that include multiple items. To be eligible for 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. o 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o Not 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 Center to pursue a claim under PayPal Buyer Protection. 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:

PayPal Buyer Protection. When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from the PayPal Buyer Protection, and is described under Resolving Problems. Your claim will not qualify for a refund under PayPal 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 retail point of sale, except for in-person PayPal QR code goods and services transactions. or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour 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. 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." The following items or transactions are not eligible for PayPal Buyer Protection: • 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 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 in exchange- traded form). • Financial products or investments of any kind. • Gambling, gaming and/or any other activity 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), or third parties acting on behalf of state-run bodies or government agencies. • Payments sent using PayPal 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal Payouts (formerly Mass Pay). • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have not sent using your PayPal account. • Items intended for resale, including single item transactions or transaction that include multiple items. • Travel tickets sold by a travel carrier where (1) the buyer claims (either with us or their financial institution) that it was an Unauthorized Transaction and (2) such claim was filed more than 24 hours before the travel date. To be eligible for 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. o • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Buyer 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o • 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 Center to o pursue a claim under PayPal Buyer Protection. 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:

PayPal Buyer Protection. When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from the PayPal Buyer Protection, and is described under Resolving Problems. Your claim will not qualify for a refund under PayPal 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 retail point of sale, except for in-person PayPal QR code goods and services transactions. or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour 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. 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." The following items or transactions are not eligible for PayPal Buyer Protection: • 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 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 in exchange- exchange-traded form). • Financial products or investments of any kind. • Gambling, gaming and/or any other activity 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), or third parties acting on behalf of state-run bodies or government agencies. • Payments sent using PayPal 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal PayPal's Payouts (formerly and Mass Pay). • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have not sent using your PayPal account. • Items intended for resale, including single item transactions or transaction that include multiple items. To be eligible for 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. o • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Buyer 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o • 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 Center to o pursue a claim under PayPal Buyer Protection. 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:

PayPal Buyer Protection. When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible qualifies for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from PayPal Buyer Protection, and is described below under Resolving ProblemsLiability for Unauthorized Transactions and Other Errors. QR Code Transactions Your claim will not qualify for a refund under PayPal 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 retail point of sale, except for in-person PayPal QR code goods and services transactions, or • The seller has provided proof of delivery. If the seller presents evidence that they delivered the goods to youyour 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. 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." The Payments for the following items or transactions are not eligible for reimbursement under PayPal Buyer Protection: • Real estate, including residential 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 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, except for in- person PayPal QR code goods and services transactions; • Industrial machinery used in manufacturing. • Payments 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. • 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 activity 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), or third parties acting on behalf of state-run bodies or government agenciesPersonal Payments. • Payments sent using PayPal 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal Payouts (formerly and Mass Pay)Pay or. • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have not sent using your PayPal account. • Payments made in respect of gold (whether in physical form or in exchange-traded form); and • Purchases of goods and services using Zong, Website Payments Pro or Virtual Terminal • Items intended for resale, including single item transactions or transaction transactions that include multiple 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 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. o • 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o • Not 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 Center to pursue a claim under PayPal Buyer Protection. 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:

PayPal Buyer Protection. When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible qualifies for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-decision- making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from PayPal Buyer Protection, and is described below under Resolving ProblemsLiability for Unauthorized Transactions and Other Errors. QR Code Transactions If you buy something from a seller in-person by using a PayPal goods and services QR, your transaction may be eligible for PayPal Buyer Protection. Your claim will not qualify for a refund under PayPal 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 retail point of sale, except for in-person PayPal QR code goods and services transactions, or • The seller has provided proof of delivery. If the seller presents evidence that they delivered the goods to youyour 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. 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." The Payments for the following items or transactions are not eligible for reimbursement under PayPal Buyer Protection: • Real estate, including residential 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 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, except for in-person PayPal QR code goods and services transactions; • Industrial machinery used in manufacturing. • Payments 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. • 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 activity 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), or third parties acting on behalf of state-run bodies or government agenciesPersonal Payments. • Payments sent using PayPal to any xxxx bill 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal Payouts (formerly and Mass Pay). • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have Pay or not sent using your PayPal account. • Payments made in respect of gold (whether in physical form or in exchange-traded form); and • Purchases of goods and services using Zong, Website Payments Pro or Virtual Terminal • Items intended for resale, including single item transactions or transaction transactions that include multiple 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 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. o • 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o • Not 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 Center to pursue a claim under PayPal Buyer Protection. 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.

PayPal Buyer Protection. When 13.1 What types of problems are covered? a. PayPal Buyer Protection helps you buy something with either of these problems: i. You did not receive the item you paid for with PayPal – “Item Not Received” (“INR”) ii. You received an item you paid for with PayPal but it is “Significantly Not as Described” (“SNAD”). Further information on what we mean by“SNAD” is set out in section 13.8. b. If your problem is a transaction that you did not authorise (including, without limitation, a duplicate or incorrect payment when using the PayPal Location Based Payments Functionality), please report the unauthorised transaction through the PayPal Security Centre at xxxxx://xxx.xxxxxx.xx/securite or following the link “Security Center” at the bottom of the home page of the PayPal Website. 13.2 What are the eligibility requirements for PayPal Buyer Protection? a. Your payment must be for an eligible item and made from your PayPal Account (see Section 13.3 for further details on item eligibility); b. Paythe full amount of the eligible item in one payment. Items purchased with multiple payments – like a deposit followed bya final payment – are not eligible. c. Send the payment to the seller who accepts PayPalthrough: i. The eBay“Pay Now” button or the eBayinvoice, ii. for INR claims relating to purchases made outside of eBay: the Send Money tab on the PayPal website byclicking the “Purchase” tab, or the seller’s PayPal checkout flow, or iii. for SNAD Claims relating to purchases made outside of eBay: the Send Money tab on the PayPal website byclicking the “Purchase” tab, or the seller's PayPal checkout flow (including, without limitation, the PayPal Location Based Payments Functionality, if used bythe seller); and d. Open a Dispute within 45 days of the date you may be sent the payment and follow the online dispute resolution process described below under “How do I resolve myproblem?” in section 13.5. 13.3 What type of payments are eligible for a refund re-imbursement under PayPal Buyer Protection. When applicable, ? a. PayPal Buyer Protection program entitles you onlyapplies to reimbursement PayPal payments for certain tangible, physical goods. Payments for the full purchase price of following are not eligible for re-imbursement under PayPal Buyer Protection: intangible items services real estate (including, without limitation, residential property) businesses vehicles (including, without limitation, motor vehicles, motorcycles, caravans, aircraft and boats), custom made items travel tickets (including, without limitation, airline flight tickets) items prohibited bythe PayPal Acceptable Use Policy items that violate eBay’s Prohibited or Restricted Items Policy licences access to digital content industrial machineryused in manufacturing items equivalent to cash (including, without limitation, gift cards) Items purchased using Zong, Website Payments Pro or Virtual Terminal (if available) Personal Transaction payments b. Please note the following eligibility requirements applicable to eBay listings: Look for either a PayPal Buyer Protection message or an eBay Buyer Protection message in the eBaylisting. If you see this message and you meet the other eligibility requirements, your item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal Buyer Protection. PayPal’s original determination is considered finalYou can view this message in the listing after you complete your purchase by logging in to your eBayaccount, but you may be able going to file an appeal of the decision with PayPal if you have new or compelling information not available “myeBay,” then “won,” and looking at the time of the original determination or you believe there was an error in the decision-making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from PayPal Buyer Protection, and is described under Resolving Problems. Your claim will not qualify for a refund under PayPal 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 retail point of sale, or • The seller has provided proof of deliverylisting. If the seller presents evidence that they delivered listing does not include the goods to youbuyer protection message, 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 then it 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. 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." The following items or transactions are not eligible for PayPal Buyer Protection: • 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 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 in exchange- traded form). • Financial products or investments of any kind. • Gambling, gaming and/or any other activity 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), or third parties acting on behalf of state-run bodies or government agencies. • Payments sent using PayPal 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal Payouts (formerly Mass Pay). • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have not sent using your PayPal account. • Items intended for resale, including single item transactions or transaction that include multiple items. To be eligible for 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. o 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o Not 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 Center to pursue a claim under PayPal Buyer Protection. 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:.

PayPal Buyer Protection. When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from the PayPal Buyer Protection, and is described under Resolving Problems. Your claim will not qualify for a refund under PayPal 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 retail point of sale, except for in-person PayPal QR code goods and services transactions. or • The seller has provided proof of shipment or proof of delivery. If the seller presents evidence that they delivered the goods to youyour 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. 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." The following items or transactions are not eligible for PayPal Buyer Protection: • 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 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 in exchange- traded form). • Financial products or investments of any kind. • Gambling, gaming and/or any other activity 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), or third parties acting on behalf of state-run bodies or government agencies. • Payments sent using PayPal to any xxxx bill 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal Payouts (formerly Mass Pay). • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have not sent using your PayPal account. • Items intended for resale, including single item transactions or transaction that include multiple items. To be eligible for 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. o • Attempt to contact the seller to resolve your issue directly before filing a claim dispute under PayPal’s Purchase Buyer 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o • 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 Center to o pursue a claim under PayPal Buyer Protection. 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:

PayPal Buyer Protection. When you buy something from a seller who accepts PayPal, you may be eligible for a refund under PayPal Buyer Protection. When applicable, PayPal Buyer Protection program entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. PayPal determines, in its sole discretion, whether your claim is eligible qualifies for PayPal Buyer Protection. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process. IMPORTANT: You may be required to return the item to the seller or other party we specify as part of the settlement of your claim. PayPal Buyer Protection does not entitle you to reimbursement for the return shipping costs that you may incur. PayPal Buyer Protection program may apply when you encounter these specific problems with a transaction: • You didn’t receive your item from a seller (referred to as an “Item Not Received” claim), or • You received an item, but the item isn’t what you ordered (referred to as a “Significantly Not as Described” claim). If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from PayPal Buyer Protection, and is described below under Resolving ProblemsLiability for Unauthorized Transactions and Other Errors. Your claim will not qualify for a refund under PayPal 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 retail point of sale, or • The seller has provided proof of delivery. If the seller presents evidence that they delivered the goods to you, 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. 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." The Payments for the following items or transactions are not eligible for reimbursement under PayPal Buyer Protection: • Real estate, including residential 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 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. • Payments 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. • 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 activity 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), or third parties acting on behalf of state-run bodies or government agencies. • Payments sent using PayPal 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 retail point of sale location, except if you paid for the transaction in-person using PayPal QR code for goods and services. • Anything prohibited by PayPal's Acceptable Use Policy. • Payments made using PayPal Payouts (formerly Mass Pay). • Personal Payments including payments sent using PayPal's friend and family functionality. • Payments that you have not sent using your PayPal account. ; • Items intended for resale, including single item transactions or transaction transactions that include multiple 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 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. o • 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 Center within 180 days of the date you sent the payment, then follow our online dispute resolution process. o • Not 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 Center to pursue a claim under PayPal Buyer Protection. 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: