Common use of PayPal's Seller Protection Program Clause in Contracts

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fees table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions other than your own, you should also be familiar with PayPal's Buyer Protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country/region: • You will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a chargeback Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fees Fee table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback fee tableFee Table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions other than your own, you should also be familiar with PayPal's the PayPal Buyer Protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country/region: • You will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit be liable for the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was "Significantly Not as Described Described" and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal; or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center Centre and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a chargeback Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount applied as specified on in the Chargeback Fees Fee table and will be charged in the currency of which you selected for the original transactiontransaction listing. If the transaction was in a currency not listed in the Chargeback fee table, Fee table the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer ’s Purchase Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions countries other than your own, you should also be familiar with PayPal's Buyer Protection the purchase protection available to buyers in each of those countries/regions. Buyers' ’ rights under these programs may impact you as a seller. You can find this information for PayPal's ’s programs on the Legal Agreements page by selecting your buyer's ’s location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer ’s Purchase Protection program in any country/region: • You will be required to reimburse PayPal for your liability. • Your liability will include must forfeit the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transactioncost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was “Significantly Not as Described Described” and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's ’s decisions in favor favour of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkoutPayPal Guest Checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a chargeback Chargeback fee for facilitating the chargeback process. This fee will with apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount applied as specified on in the Chargeback Fees Fee table and will be charged in the currency of which you selected for the original transactiontransaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer ’s Purchase Protection program program, Venmo’s Protected Purchase Program, and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions countries other than your own, you also should also be familiar with PayPal's Buyer Protection the purchase protection available to buyers in each of those countries/regions. Buyers' ’ rights under these programs may impact you as a seller. You can find this information for about PayPal's ’s protection programs on the Legal Agreements page by selecting your buyer's ’s location at the top of the page and referring to the applicable corresponding user agreement for that geographyagreement. You can find information on Venmo’s Protected Purchase Program in Venmo’s user agreement. If you lose a claim under PayPal's Buyer ’s Purchase Protection program in any country/region, or under Venmo’s Protected Purchase Program: • You will be required to reimburse PayPal for your liability. • Your liability will include must forfeit the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transactioncost. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, agents or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases cases, you may not receive the item back. • The Buyer Purchase Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPalPayPal or Venmo, as applicable, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's ’s decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your Balance Account or business PayPal balance account is insufficient to cover the amount, we may: • Place place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claimthe amount; or • Create create a negative balance in your PayPal account.

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice We offer Seller Protection based on the amount of a Standard Dispute fee. • Decided in your favour by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback Seller Protection program for the transaction with their card issuer, PayPal will charge country/region you a chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from selected when you opened your PayPal account. The chargeback fee is the amount specified on the Chargeback Fees table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Seller Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in for the following countries/regions are part of this user agreement. • China, New Zealand • Indonesia, Malaysia, Philippines, Singapore, Thailand and Vietnam • Korea and Taiwan • Central Europe, Middle East and Africa (excluding Austria, Germany, Switzerland, the United Kingdom and other than countries covered by a country/region-specific User Agreement) If you sell something to a buyer and the transaction is later disputed or reversed under Reversals, Claims or Chargebacks, you may be eligible for reimbursement under PayPal's Seller Protection program. When it applies, PayPal's Seller Protection program entitles you to retain the full purchase amount and we will waive any related chargeback fees paid (for debit and credit card-funded transactions). There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your ownPayPal account you can determine whether or not your transaction is eligible for protection under this program. PayPal's Seller Protection program may apply when a buyer claims that: • They did not authorize or benefit from funds sent from their PayPal account (referred to as an "Unauthorized Transaction" claim) except for any Unauthorized Transaction initiated in an environment not hosted by PayPal; or • They did not receive the item from you (referred to as an "Item Not Received" claim). PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer's bank. This section describes PayPal's Seller Protection program as it applies to you, but you should also be familiar with PayPal's the Impact of various Buyer Protection available to buyers in each of those countries/regionsprocesses on sellers. Buyers' rights under these programs may impact you as a seller. You can find this information To be eligible for PayPal's programs Seller Protection, you must meet all of the following basic requirements: • You provide us with valid proof of shipment or proof of delivery. • The item must be a tangible item, • You must ship the item to the shipping address on the Legal Agreements transaction details page by selecting in your buyer's location at PayPal account for the top of transaction or list the page item for sale in a classified advertisement and referring to complete the applicable user agreement for that geographytransaction in person. If you lose originally ship the item to the recipient's shipping address on the transaction details page but the item is later redirected to a claim under different address, you will not be eligible for PayPal Seller Protection. We therefore recommend not using a shipping service that is arranged by the buyer, so that you will be able to provide valid proof of shipping and delivery. • You must respond to PayPal's Buyer Protection program requests for documentation and other information in any country/region: • You will be required a timely manner as requested in our email correspondence with you or in our correspondence with you through the Resolution Centre. If you do not respond to reimburse PayPal PayPal's request for your liability. • Your liability will include documentation and other information in the full purchase price of the item plus the original shipping cost (and in some cases time requested, you may not receive the item back), and the PayPal fees that you were charged be eligible for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the saleSeller Protection. • If the claim was that the item received was Significantly Not as Describedsale involves pre-ordered or made-to-order goods, you may not receive must ship within the item backtimeframe you specified in the listing. Otherwise, or it is recommended that you may be required to ship all items within 7 days after receipt of payment. • You must accept the item back and pay payment from a PayPal account for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions purchase (partial payment and/or payment in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal accountinstallments are excluded).

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will not charge you a chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fees table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions other than your own, you should also be familiar with PayPal's Buyer Protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country/region: • You will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, PayPal will charge you a chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount specified on the Chargeback Fees table in the currency of the original transaction. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. The chargeback fee is applied as specified in the Chargeback Fee Table in the currency of the original transaction. If the transaction is in a currency not listed in the Chargeback Fee Table the fee assessed in your primary holding currency. You should read and understand PayPal's Buyer Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions other than your own, you should also be familiar with PayPal's Buyer Protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for PayPal's programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer Protection program in any country/region: • You will be required to reimburse PayPal for your liability. • Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratioDispute Ratio. For transactions that are not processed either through a buyer’s PayPal account or through a guest checkoutcheckout (PayPal Plus), and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a chargeback Chargeback fee for facilitating the chargeback process. This fee will apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback Chargeback fee will be deducted from your PayPal account. The chargeback If the original transaction was in a currency other than Brazilian Reais, the Chargeback fee is will be in Brazilian Reais in an amount equivalent to the amount specified on the Chargeback Fees table in based on the currency of the original transaction. If the transaction was in In this case, a currency not listed in the Chargeback fee table, the fee charged conversion will be in your primary holding currency. If required and a buyer files a chargeback, the card issuer, not PayPal, Currency Conversion fee will determine who wins the chargebackapply. You should read and understand PayPal's Buyer Purchase Protection program and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions countries other than your own, you should also be familiar with PayPal's Buyer Protection the purchase protection available to buyers in each of those countries/regions. Buyers' ’ rights under these programs may impact you as a seller. You can find this information for PayPal's ’s programs on the Legal Agreements page by selecting your buyer's ’s location at the top of the page and referring to the applicable user agreement for that geography. If you lose a claim under PayPal's Buyer ’s Purchase Protection program in any country/region: • You will be required to reimburse PayPal for your liability. • Your liability will include must forfeit the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyer. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was “Significantly Not as Described Described” and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through marketplace sellers (like eBay), then you need to read and understand the eBay Money Back Guarantee their program. Unless you opt out by calling eBaythe marketplace, PayPal will treat eBay's their decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If your PayPal balance is insufficient to cover the amount, we may: • Place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claim; or • Create a negative balance in your PayPal account.

PayPal's Seller Protection Program. Claims with a transaction value that is less than twice the amount of a Standard Dispute fee. • Decided in your favour favor by PayPal or your issuer. You will not be charged a High Volume Dispute fee for disputes that are: • Inquiries in PayPal’s 's Resolution Center and not escalated to a claim with PayPal. • Resolved directly between you and the buyer and not escalated to a claim with PayPal. • Filed by the buyer directly with PayPal as an Unauthorized Transaction. Sellers charged High Volume Dispute fees may be required to provide a remediation plan which includes an explanation of the cause of the increased dispute rate, the actions taken to reduce disputes, and the timelines for those actions. Disputes listed above may be excluded from being charged a Standard Dispute fee or a High Volume Dispute fee, but the claim itself may still be included in the overall calculation of your dispute ratio. For transactions that are not processed either through a buyer’s 's PayPal account or through a guest checkout, and where the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will charge you a chargeback Chargeback fee for facilitating the chargeback process. This fee will with apply regardless of whether the buyer is successful in pursuing the chargeback with the card issuer. The applicable chargeback fee will be deducted from your PayPal account. The chargeback fee is the amount applied as specified on in the Chargeback Fees Fee table and will be charged in the currency of which you selected for the original transactiontransaction listing. If the transaction was in a currency not listed in the Chargeback fee table, the fee charged will be in your primary holding currency. If a buyer files a chargeback, the card issuer, not PayPal, will determine who wins the chargeback. You should read and understand PayPal's Buyer Purchase Protection program program, Venmo's Protected Purchase Program, and if you sell goods and services to and receive payments from buyers with PayPal accounts in countries/regions countries other than your own, you also should also be familiar with PayPal's Buyer Protection the purchase protection available to buyers in each of those countries/regions. Buyers' rights under these programs may impact you as a seller. You can find this information for about PayPal's protection programs on the Legal Agreements page by selecting your buyer's location at the top of the page and referring to the applicable corresponding user agreement for that geographyagreement. You can find information on Venmo's Protected Purchase Program in Venmo's user agreement. If you lose a claim under PayPal's Buyer Purchase Protection program in any country/region, or under Venmo's Protected Purchase Program: • You will be required to reimburse PayPal for your liability. • Your liability will include must forfeit the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back), and the PayPal fees that you were charged for the transaction. This applies when you are the primary seller or a secondary seller of goods or services. For example, event ticketing agents, or online travel agents will forfeit the full purchase amount paid by the buyercost. In some cases you may not receive the item back. • The Buyer Protection claim will only be considered fully resolved if: o the refund to a buyer is processed through PayPal, or o you provide evidence acceptable to PayPal, in its sole discretion, that the buyer agreed to the alternative resolution provided. • You will not receive a refund of the PayPal fees that you paid in connection with the sale. • If the claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs. • If the claim was that the item received was Significantly Not as Described and related to an item you sold that is counterfeit, you will be required to provide a full refund to the buyer and you may not receive the item back. If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program. Unless you opt out by calling eBay, PayPal will treat eBay's decisions in favor of your buyers under that program as a basis for reversing a PayPal payment made to you. If the balance in your Cash Account or business PayPal balance account is insufficient to cover the amount, we may: • Place place a hold on your PayPal account until sufficient funds become available in your PayPal account to cover such claimthe amount; or • Create create a negative balance in your PayPal account.