Common use of Presentation of PayPal Clause in Contracts

Presentation of PayPal. You must treat PayPal as a payment method and mark at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and mobile applications. This includes at least equal or bettersubstantially similar: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal servicePayPal. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, “"taxes”") and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal PayPal's Seller Protection program if they meet PayPal's Seller Protection program requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, “"taxes”") and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark or xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar:  logo placement,  position within any point of sale, and  treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxesPayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports As a bank service provider no sales tax applies to tax authorities regarding transactions that we processthe PayPal services in the EU. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such an authorisation and the marketplace notifies us of the claim, you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you:  warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and  agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method and mark at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. Notwithstanding the above, PayPal may request that you provide your tax identification number and/or other tax-related documentation or information. If you do not provide PayPal the requested information or documentation, you understand and agree that you may be subject to account limitations and withholding tax at the applicable rates on gross payments received. PayPal will send such withholding taxes to the appropriate tax authorities and cannot refund those amounts. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, “"taxes”") and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal PayPal's Seller Protection program if they meet PayPal's Seller Protection program requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and or mark at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar: • logo placement, • position within any point of sale, and • treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxesPayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports As a bank service provider no sales tax applies to tax authorities regarding transactions that we processthe PayPal services in the EU. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such an authorisation and the marketplace notifies us of the claim, you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and • agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method and mark or xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar: • logo placement, • position within any point of sale, and • treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxesPayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports As a bank service provider no sales tax applies to tax authorities regarding transactions that we processthe PayPal services in the EU. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such an authorisation and the marketplace has notifies us of the claim, you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and • agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this User Agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method and mark at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's ’s Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any mischaracterize PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal servicePayPal. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, or use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third third-party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a credit or debit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports Any fees payable by you to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold are charged on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total gross amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that payment (inclusive of any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processedapplicable taxes).

Presentation of PayPal. You must treat PayPal as a payment method and mark or xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar:  logo placement,  position within any point of sale, and  treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxesPayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports As a bank service provider no sales tax applies to tax authorities regarding transactions that we processthe PayPal services in the EU. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorize certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such authorization and the marketplace notifies us of the claim, you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to the marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by marketplace’s own policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you:  warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and  agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method and mark or xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar: • logo placement, • position within any point of sale, and • treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxesPayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports As a bank service provider no sales tax applies to tax authorities regarding transactions that we processthe PayPal services in the EU. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such an authorisation and the marketplace has notifies us of the claim, you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and • agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement.

Presentation of PayPal. You must treat PayPal as a payment method and mark xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. As a seller, you can accept payments from a buyer's account through preauthorized payments either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a "billing agreement," "subscription," "recurring payment," "reference transaction," "preauthorized debit or PAD", "preauthorized transfer, "pre-approved payment " or "automatic payment." You must: You must not: Get each buyer's prior authorization for the amount, frequency, and duration of any such payment. Restart future payments without the buyer's written authorization, if a buyer has stopped or canceled a preauthorized payment. Provide a simple and easily accessible online cancellation procedure, if buyers sign up for preauthorized payments online. Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment. Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyer's option) any payment that is in an amount that falls outside of the pre-determined range.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. FurtherFor clarity, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports must publish customer service information with clear instructions on how your customers can contact you. Such instructions must include at least: (1) one active customer service email address or active customer service URL to tax authorities regarding transactions that we processfile tickets for assistance, and (2) at least one active customer service telephone number. Such information must be readily accessible for review by your customers. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy as well as policy. You must publish a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. FurtherFor clarity, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge Notwithstanding the above, PayPal may request that we you provide your tax identification number and/or other tax-related documentation or information. If you do not provide PayPal the requested information or documentation, you understand and agree that you may make certain reports be subject to account limitations and withholding tax at the applicable rates on gross payments received. PayPal will send such withholding taxes to the appropriate tax authorities regarding transactions that we processand cannot refund those amounts. You must comply publish customer service information with all clear instructions on how your obligations under applicable Australian consumer lawcustomers can contact you. Such instructions must include at least: (1) one active customer service email address or active customer service URL to file tickets for assistance, including as a seller and/or (2) one active customer service telephone number. Such information must be readily accessible for review by publishing your customers. You must publish a refunds and returns policy as well as policy. You must publish a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal PayPal's Seller Protection program if they meet PayPal's Seller Protection program requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark or xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar:  logo placement,  position within any point of sale, and  treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxesPayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports As a bank service provider no sales tax applies to tax authorities regarding transactions that we processthe PayPal services in the EU. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such an authorisation and the marketplace has notifies us of the claim, you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you:  warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and  agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this User Agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine whatwhich, if any, taxes apply to the payments you make or receivereceive by means of the PayPal Services, and it is solely your responsibility to assessreport, collectwithhold, report and remit charge and/or remit, as applicable, the correct taxes tax to the appropriate competent tax authority. PayPal is not responsible for determining whether any taxes apply to your transaction, transactions of buyers or sellers or for calculatingreporting, collecting, reporting or remitting withholding and/or charging any taxes arising from any transactiontransaction made by them. You acknowledge Please be advised that we you, buyer, may make certain reports be subject to withholding taxes and/or other tax authorities regarding transactions that we processliabilities with respect to importing goods or services from a foreign entity (seller located abroad). In addition, as a seller you may be subject to indirect taxes, VAT, sales tax, income tax, or other tax liabilities applicable to sellers of goods or services. It is your responsibility to check with your local accounting or legal/tax advisor to determine which taxes or ancillary tax obligations apply to you, and it is your responsibility to pay such taxes to the competent tax authority. All Fees related to the PayPal Services are made free and clear of, and without any deduction or withholding for and on account of, any taxes, or other deductions or withholdings, which must be carried out by the you, in accordance with applicable law in force at the time of the payments. It is your responsibility to provide any and all statements or declarations to the competent authorities, including but not limited to the Central Bank of Brazil and the Federal Revenue of Brazil (for example, related to payments received as a result of export or import of goods and services). You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as publish a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for the PayPal Seller Protection if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, “"taxes”") and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal PayPal's Seller Protection program if they meet PayPal's Seller Protection program requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark funding sources or marks at least on par with any other payment methods funding sources offered at your points of sale, sale wherever PayPal's ’s branded services are integrated, integrated including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods funding sources at your points of sale. Further, you must not present any payment method funding source or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method funding source or exhibit a preference for other payment methods funding sources over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment methodfunding source. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods funding sources that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methodsfunding sources. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third third-party application's ’s Whenever a buyer protection policy (uses a debit or equivalent) credit card as the funding source for sales a transaction using their account to buy something from you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processedas a seller, the transaction will be processed as a “card not present” transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedgoods and services tax, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third third-party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. As a seller, you can accept payments from a buyer's account through preauthorised transfers either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a "billing agreement," "subscription," "recurring payment," "reference transaction," "pre- approved payment " or "automatic payment." Get each buyer's prior authorisation for the amount, frequency, and duration of any such payment. Restart future payments without the buyer's written authorisation, if a buyer has stopped or canceled a preauthorised payment. Provide a simple and easily accessible online cancellation procedure, if buyers sign up for preauthorised payments online. Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment. Notify the buyer at least 10 days in advance of the amount and date of each preauthorised payment if the preauthorised payment will vary from the preauthorised amount or (at the buyer's

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine whatwhich, if any, taxes apply to the payments you make or receivereceive by means of the PayPal Services, and it is solely your responsibility to assessreport, collectwithhold, report and remit charge and/or remit, as applicable, the correct taxes tax to the appropriate competent tax authority. PayPal is not responsible for determining whether any taxes apply to your transaction, transactions of buyers or sellers or for calculatingreporting, collecting, reporting or remitting withholding and/or charging any taxes arising from any transactiontransaction made by them. You acknowledge Please be advised that we you, buyer, may make certain reports be subject to withholding taxes and/or other tax authorities regarding transactions that we processliabilities with respect to importing goods or services from a foreign entity (seller located abroad). In addition, as a seller you may be subject to indirect taxes, VAT, sales tax, income tax, or other tax liabilities applicable to sellers of goods or services. It is your responsibility to check with your local accounting or legal/tax advisor to determine which taxes or ancillary tax obligations apply to you, and it is your responsibility to pay such taxes to the competent tax authority. All Fees related to the PayPal Services are made free and clear of, and without any deduction or withholding for and on account of, any taxes, or other deductions or withholdings, which must be carried out by the you, in accordance with applicable law in force at the time of the payments. It is your responsibility to provide any and all statements or declarations to the competent authorities, including but not limited to the Central Bank of Brazil and the Federal Revenue of Brazil (for example, related to payments received as a result of export or import of goods and services). You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as publish a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for the PayPal Seller Protection if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and mobile applications. This includes at least equal or bettersubstantially similar: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal servicePayPal. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing a refunds and returns policy as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's ’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed.

Presentation of PayPal. You must treat PayPal as a payment method and mark or xxxx at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or bettersubstantially similar: • logo placement, • position within any point of sale, and • treatment in terms of payment flow, terms, conditions, restrictions, and or fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any nature, including, for example, value-added, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxesPayPal. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports As a bank service provider no sales tax applies to tax authorities regarding transactions that we processthe PayPal services in the EU. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection if they meet PayPal's Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer (as the case may be) arising from a claim under the terms of the marketplace’s own resolution process (“Marketplace Due Amounts”). If you give such an authorisation and the marketplace notifies us of the claim, you instruct us to process payments of all and any Marketplace Due Amounts relating to that claim from your PayPal account to that marketplace or to the buyer (as the case may be) according to the marketplace’s instructions to us. We may treat your instruction for the payment of any given Marketplace Due Amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s own policy only. The terms of the PayPal Seller Protection Programme do not cover you for claims filed by your buyers directly with the marketplace. If we allow you to accept payments from a payer under a billing agreement, when you present to us a payment request under that billing agreement, you: • warrant to us that the amounts you present have been agreed and consented to by the payer whose account will be deducted (including changes to those amounts) and that you will give prior notice of the deduction to the payer; and • agree that you will notify the payer at least 4 weeks in advance of the amount they will collect if that amount has increased in such a manner that the payer could not have reasonably expected to pay such an amount, taking into account the payer’s previous spending patterns and the circumstances of the payment and that you are liable to us for any refunds of that payment in accordance with the terms of this user agreement. When you receive a payment, it could be refunded or reversed. We may allow you to send to the payer a refund of the payment. We may carry out a reversal of your payment in certain circumstances. See the rest of this section for more details.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, “"taxes”") and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. As a seller, you can accept payments from a buyer's account through preauthorized payments either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a "billing agreement," "subscription," "recurring payment," "reference transaction," "preauthorized debit or PAD", "preauthorized transfer, "pre-approved payment " or "automatic payment." You must: You must not: Get each buyer's prior authorization for the amount, frequency, and duration of any such payment. Restart future payments without the buyer's written authorization, if a buyer has stopped or canceled a preauthorized payment. Provide a simple and easily accessible online cancellation procedure, if buyers sign up for preauthorized payments online. Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment. Notify the buyer at least 10 days in advance of the amount and date of each preauthorized payment if the preauthorized payment will vary from the preauthorized amount or (at the buyer's option) any payment that is in an amount that falls outside of the pre-determined range.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's ’s branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's ’s services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) ), you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedadded tax, salessales tax, income tax, use or withholding taxes, assessable by any jurisdiction (collectively, “"taxes”") and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorisedauthorized. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactionsseller, you may the transaction will be required to provide us with alternative evidence of deliveryprocessed as a "card not present" transaction, or such additional documentation or information relating to even if the transaction. If you're a seller on a marketplace or through a third party application where PayPal buyer is offered, you must comply with any rules that apply to the marketplace's or the third party application's buyer protection policy (or equivalent) for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processedat your store location.

Presentation of PayPal. You must treat PayPal as a payment method and mark methods or marks at least on par with any other payment methods offered at your points of sale, wherever PayPal's branded services are integrated, including your websites, and websites or mobile applications. This includes at least equal or better: logo placement, position within any point of sale, and treatment in terms of payment flow, terms, conditions, restrictions, and fees, in each case as compared to other marks and payment methods at your points of sale. Further, you must not present any payment method or mark xxxx upstream (or at an earlier point in the checkout experience) from the presentment of any of PayPal's services or marks. In representations to your customers or in public communications, you must not mischaracterise mischaracterize any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service. Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or encourage the customer to use an alternate payment method. If you enable your customers to pay you with PayPal PayPal, whenever you display or exhibit the payment methods that you accept (either within any point of sale or in your marketing materials, advertising and other customer communications) you agree to display the PayPal services payment marks at least as prominently, and in at least as positively positive a manner, as you do for all other payment methods. Some of our fees may be subject to applicable taxes, levies, duties or similar governmental assessments of any natureassessments, including, for example, value-addedgoods and services tax, sales, use or withholding taxes, assessable by any jurisdiction (collectively, “taxes”) and, unless expressly noted, our fees are exclusive of applicable taxes. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. You acknowledge that we may make certain reports to tax authorities regarding transactions that we process. You must comply with all your obligations under applicable Australian consumer law, including as a seller by publishing publish a refunds and returns policy return policy, as well as a privacy policy, where required by law. PayPal reviews certain potentially high-risk transactions. If PayPal determines, in its sole discretion, that a transaction is high-risk, we may place a hold on the payment and provide notice to you to delay shipping of the item. PayPal will conduct a review and either complete or cancel the payment. If the payment is completed, PayPal will provide notice to you to ship the item. Otherwise, PayPal will cancel the payment and the funds will be returned to the buyer, unless we are legally required to take other action. All payments that complete this payment review will be eligible for PayPal Seller Protection coverage if they meet PayPal's the PayPal Seller Protection requirements. We will notify you about payment reviews by email and/or through your PayPal account. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. You may charge your customer's account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions. You must also not use QR codes intended for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any claims related to QR code transactions, you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you're ’re a seller on a marketplace or through a third third-party application where PayPal is offered, you must comply with any rules that apply to the marketplace's ’s or the third third-party application's ’s buyer protection policy (or equivalent) program for sales you make through that forum. Any such protections may require you to take certain actions and may impact how claims are processed. Whenever a buyer uses a debit or credit card as the payment method for a transaction using their account to buy something from you as a seller, the transaction will be processed as a "card not present" transaction, even if the buyer is at your store location. As a seller, you can accept payments from a buyer's account through preauthorised transfers either on a one-time, regular or sporadic basis. This type of transaction is sometimes called a "billing agreement," "subscription," "recurring payment," "reference transaction," "pre-approved payment" or "automatic payment". You must: You must not: Get each buyer's prior authorisation for the amount, frequency, and duration of any such payment. Restart future payments without the buyer's written authorisation, if a buyer has stopped or canceled a preauthorised payment. Provide a simple and easily accessible onlinecancellation procedure, if buyers sign up for preauthorised payments online. Provide buyers the ability to stop any such payment up to 3 Business Days before the date scheduled for payment. Notify the buyer at least 10 days in advance of the amount and date of each preauthorised payment if the preauthorised payment will vary from the preauthorised amount or (at the buyer's option) any payment that is in an amount that falls outside of the pre-determined range. Your PayPal transaction fees depend on: • the country of the buyer's account or the currency of their card; • whether you are a registered as a charity. The fees you pay when selling goods or services, where the buyer pays using their PayPal account or other authorised wallet, can be found on the Merchant Services Fees table with the fees applicable to charitable organizations found on the Charitable Organizations Fees table. Please note that: • We may adjust the fees applicable to future transactions that you process using PayPal. We will provide you at least 14 days' advance notice of any fee increase or the introduction of a new type of fee. • If you accept payments using a PayPal product (like PayPal Payments Pro, the fees applicable to those products will apply to your transactions.