Common use of Unauthorized Transactions additional requirements Clause in Contracts

Unauthorized Transactions additional requirements. To be eligible for PayPal’s Seller Protection program for a buyer’s Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “eligible” or “partially eligible” for PayPal's Seller Protection on the Transaction Details page. • The payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s Seller Protection program. • You must provide proof of shipment or proof of delivery as described below. Establishing proof of delivery or proof of shipment‌ The following is required as: Proof of shipment Proof of delivery Online or physical documentation from a shipping company that includes: Date of shipment An address for the recipient that matches the shipping address on the Transaction Details page An address for the recipient showing at least the city/state, city/country, or postal/zip code (or international equivalent). You’ll need to provide compelling evidence that the item was delivered. Compelling evidence could include a system record showing the date the item was sent and that it was either: Electronically sent to the recipient; or Received or accessed by the recipient. The proof of delivery for tangible items is online or physical documentation from a shipping company that includes: Date of delivery and/or “delivered” status An address for the recipient that matches the shipping address on the Transaction Details page An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent).Signature confirmation, if the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) from the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s website, indicating that the item was signed for. If the Shipping Company is Correios, the Signature Confirmation is the electronic or physical Delivery Receipt (Aviso de Recebimento - AR) that is issued by Correios. IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied. PayPal’s Seller Protection does not apply to intangible items, however, having proper proof of delivery can help a seller win a buyer’s Item Not Received Purchase Protection claim. Signature confirmation thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Dollar: 850 CAD Philippine Peso: 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s Seller Protection program if: • It involves intangible, non-physical, items, including digital goods and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store location. • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction (PayPal Plus). For example, if the sale was made using credit cards directly, then it is not eligible for coverage. • It involves items equivalent to cash including gift cards. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.

Unauthorized Transactions additional requirements. To be eligible for PayPal’s 's Seller Protection program for a buyer’s 's Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “"eligible” " or “"partially eligible” " for PayPal's Seller Protection on the Transaction Details transaction details page. • The payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s 's behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s 's Seller Protection program. • You must provide proof of shipment or proof of delivery as described belowbelow unless the payment was for an item that was listed for sale in a classified advertisement and you completed the transaction in person. Intangible items Although PayPal Buyer Protection extends coverage to buyers for intangible items, PayPal's Seller Protection does not apply to intangible items. Establishing proof of delivery or proof of shipment‌ The following is required as: Proof of shipment Proof of delivery Online or physical documentation from a shipping company that includes: • Date of shipment • An address for the recipient that matches the shipping address on the Transaction Details transaction details page • An address for the recipient showing at least the city/state, city/country, or postal/postal zip code (or international equivalent). You’ll 'll need to provide compelling evidence that the item was delivereddelivered or the service was fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient; or Received or accessed by the recipient. ; or • The proof of delivery for tangible items is online or physical documentation from a shipping company that includes: Date date of delivery and/or “"delivered” " status An address for of the recipient that matches the shipping address on the Transaction Details page item or service. An address for the recipient showing at least the city/state, city/country, or zip/postal zip code (or international equivalent).Signature equivalent). The recipient's address (email/IP) where applicable. Signature confirmation, if the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) from the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s 's website, indicating that the item was signed for. If the Shipping Company is Correiosfor on delivery (save for Sellers having a PayPal Account registered in Albania, the Signature Confirmation is the electronic or physical Delivery Receipt (Aviso de Recebimento - AR) that is issued by CorreiosAndorra, Bosnia and Herzegovina, Croatia, and Ukraine to whom such requirement won't apply). IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ ' status at the correct address, or your Seller Protection claim may be denied. PayPal’s Seller Protection does not apply to intangible items, however, having proper proof of delivery can help a seller win a buyer’s Item Not Received Purchase Protection claim. Signature confirmation thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso: 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 27,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 2,500 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s 's Seller Protection program if: • It involves intangible, non-physical, intangible items, including digital goods and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t n't what was ordered (referred to as a “"Significantly Not as Described” " claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store locationlocation at a point of sale. • It involves sales that are not processed either through a buyer’s 's PayPal account or a PayPal guest checkout transaction (PayPal Plus)transaction. For example, if the sale was made using credit cards directlythe PayPal Payments Pro product, then it is not eligible for coverage. • It involves Gold Bullion. • It involves items equivalent to cash cash, including gift cardscards or vouchers. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment sent using PayPal's friends and family functionality. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat. • The item is not shipped to the recipient address. RESTRICTED ACTIVITIES & HOLDS‌‌‌ Restricted Activities In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you will not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and PayPal. • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libelous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive what we reasonably believe to be potentially fraudulent funds. • Engage in potentially fraudulent or suspicious activity and/or transactions. • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. • Control an account that is linked to another account that has engaged in any of these restricted activities. • Conduct your business or use the PayPal services in a manner that results in or may result in: • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; or; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. • Allow your PayPal account to have a negative PayPal balance. • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on PayPal's permitted countries list; • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or PayPal services; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; use any device, software or routine to bypass our robot exclusion headers; or interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users' use of any of the PayPal services. • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. • Use the PayPal services to test credit card behaviors. • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else's PayPal account; • Harass and/or threaten our employees, agents, or other users. • Abuse (as either a buyer or seller) of our online dispute resolution process and/or PayPal Buyer Protection. • Cause us to receive a disproportionate number of claims that have been closed in favour of the claimant regarding your PayPal account or business. • Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal services. • Disclose or distribute another user's information to a third party, or use such information for marketing purposes unless you receive the user's express consent to do so. • Send unsolicited emails to users or use the PayPal services to collect payments for sending, or assisting in sending, unsolicited emails to third parties. • Copy, reproduce, communicate to any third party, alter, modify, create derivative works, publicly display or frame any content from the PayPal websites without our or any applicable third party's written consent. • Reveal your account password(s) to anyone else, nor use anyone else's password. We are not responsible for losses incurred by you including, without limitation, the use of your account by any person other than you, arising as the result of misuse of passwords.

Unauthorized Transactions additional requirements. To be eligible for PayPal’s Seller Protection program for a buyer’s Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “eligible” or “partially eligible” for PayPal's Seller Protection on the Transaction Details page. • The payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s Seller Protection program. • You must provide proof of shipment or proof of delivery as described belowbelow unless the payment was for an item that was listed for sale in a classified advertisement and you completed the transaction in person. Intangible items additional requirements To be eligible for PayPal’s Seller Protection on an intangible item, you must: • Ensure you are utilising a current version of PayPal Express Checkout if you are accepting payments directly via a website or mobile optimised website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration. Other integration requirements may apply depending on your business model. Visit xxxxx://xxxxxxxxx.xxxxxx.xxx for more information. Establishing proof of delivery or proof of shipment‌ shipment The following is required as: Proof of shipment Proof of delivery Online or physical documentation from a shipping company that includes: • Date of shipment • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/stateprovince, city/country, or postal/zip code (or international equivalent). You’ll need to provide compelling evidence that the item was delivereddelivered or the service was fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient; or • Received or accessed by the recipient. The proof of delivery for tangible items is online or physical documentation from a shipping company that includes: • Date of delivery and/or “delivered” status An address for the recipient that matches the shipping address on the Transaction Details page An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent).Signature Signature confirmation, if the full amount of the payment including ncluding shipping and taxes exceeds a fixed amount (based on the he currency of the payment) from the signature confirmation threshold hreshold table below. Signature confirmation is online documentation, viewable at the shipping company’s website, indicating ndicating that the item was signed for. If the Shipping Company is Correios, the Signature Confirmation is the electronic or physical Delivery Receipt (Aviso de Recebimento - AR) that is issued by Correios. IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ status at the correct address, or your Seller Protection claim may be denied. PayPal’s Seller Protection does not apply to intangible items, however, having proper proof of delivery can help a seller win a buyer’s Item Not Received Purchase Protection claim. Signature confirmation thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso: 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s Seller Protection program if: • It involves intangible, non-physical, items, including digital goods and servicesgoods. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store location. • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction (PayPal Plus)transaction. For example, if the sale was made using credit cards directlythe PayPal Payments Pro product, then it is not eligible for coverage. • It involves items equivalent to cash including gift cards. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment sent using PayPal’s friends and family functionality. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.

Unauthorized Transactions additional requirements. To be eligible for PayPal’s 's Seller Protection program for a buyer’s 's Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “"eligible” " or “"partially eligible” " for PayPal's Seller Protection on the Transaction Details transaction details page. • The payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s 's behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s 's Seller Protection program. • You must provide proof of shipment or proof of delivery as described belowbelow unless the payment was for an item that was listed for sale in a classified advertisement and you completed the transaction in person. Intangible items Although PayPal Buyer Protection extends coverage to buyers for intangible items, PayPal's Seller Protection does not apply to intangible items. Establishing proof of delivery or proof of shipment‌ The following is required as: Proof of shipment Proof of delivery Online or physical documentation from a shipping company that includes: • Date of shipment • An address for the recipient that matches the shipping address on the Transaction Details transaction details page • An address for the recipient showing at least the city/state, city/country, or postal/postal zip code (or international equivalent). You’ll 'll need to provide compelling evidence that the item was delivereddelivered or the service was fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient; or • Received or accessed by the recipient. ; or • The proof of delivery for tangible items is online or physical documentation from a shipping company that includes: Date date of delivery and/or “"delivered” " status An address for of the recipient that matches the shipping address on the Transaction Details page item or service. An address for the recipient showing at least the city/state, city/country, or zip/postal zip code (or international equivalent).Signature equivalent). The recipient's address (email/IP) where applicable. Signature confirmation, if the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) from the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s 's website, indicating that the item was signed for. If the Shipping Company is Correiosfor on delivery (save for Sellers having a PayPal Account registered in Albania, the Signature Confirmation is the electronic or physical Delivery Receipt (Aviso de Recebimento - AR) that is issued by CorreiosAndorra, Bosnia and Herzegovina, Croatia, and Ukraine to whom such requirement won't apply). IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ ' status at the correct address, or your Seller Protection claim may be denied. PayPal’s Seller Protection does not apply to intangible items, however, having proper proof of delivery can help a seller win a buyer’s Item Not Received Purchase Protection claim. Signature confirmation thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso: 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 27,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 2,500 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s 's Seller Protection program if: • It involves intangible, non-physical, intangible items, including digital goods and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t n't what was ordered (referred to as a “"Significantly Not as Described” " claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store locationlocation at a point of sale. • It involves sales that are not processed either through a buyer’s 's PayPal account or a PayPal guest checkout transaction (PayPal Plus)transaction. For example, if the sale was made using credit cards directlythe PayPal Payments Pro product, then it is not eligible for coverage. • It involves Gold Bullion. • It involves items equivalent to cash cash, including gift cardscards or vouchers. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment sent using PayPal's friends and family functionality. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat. • The item is not shipped to the recipient address.

Unauthorized Transactions additional requirements. To be eligible for PayPal’s Seller Protection program for a buyer’s Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “eligible” or “partially eligible” for PayPal's Seller Protection on the Transaction Details page. • The payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s Seller Protection program. • You must provide proof of shipment or proof of delivery as described belowbelow unless the payment was for an item that was listed for sale in a classified advertisement and you completed the transaction in person. Intangible items additional requirements To be eligible for PayPal’s Seller Protection on an intangible item, you must: • Ensure you are utilising a current version of PayPal Express Checkout if you are accepting payments directly via a website or mobile optimised website; or • Ensure you are passing session information to PayPal at checkout if you are integrated with PayPal via a third party or if you have a native app integration. Other integration requirements may apply depending on your business model. Visit xxxxx://xxxxxxxxx.xxxxxx.xxx for more information. Establishing proof of delivery or proof of shipment‌ The following is required as: Proof of shipment Proof of delivery delive Online or physical documentation from a shipping company that includes: • Date of shipment • An address for the recipient that matches the shipping address on the Transaction Details page • An address for the recipient showing at least the city/stateprovince, city/country, or postal/zip code (or international equivalent). You’ll need to provide compelling evide delivered or the service was fulfilled. Co evidence available to prove that the item was delivered. your cus or services, or otherwise benefited from Compelling evidence could include a system record showing the s date the item was sent and that it was either: • Electronically sent to the recipient; or • Received or accessed by the recipient. The proof of delivery for tangible items is online or physical documentation from a shipping company that includes: recipient • Date of delivery and/or “delivered” status An address for the recipient that matches the shipping address on the Transaction Details page An address for the recipient showing at least the city/state, city/country, or zip/postal code (or international equivalent).Signature s Signature confirmation, if the full amount of the payment including amoun shipping and taxes exceeds a fixed amount (based on the currency of amou the payment) from the signature confirmation threshold table below. confirm Signature confirmation is online documentation, viewable at the docume shipping company’s website, indicating that the item was signed for. If the Shipping Company is Correios, the Signature Confirmation is the electronic or physical Delivery Receipt (Aviso de Recebimento - AR) that is issued by Correios. t IMPORTANT: Your choice of carrier and shipment options with an that carrier can have a big impact on your ability to meet the proof you of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ c status at the correct address, or your Seller Protection claim may be Sell denied. PayPal’s Seller Protection does not apply to intangible items, however, having proper proof of delivery can help a seller win a buyer’s Item Not Received Purchase Protection claim. Signature confirmation thresholds Currency Transaction value Currency Transaction value Xxxx Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK 4,60 Canadian Dollar: 850 CAD Philippine Peso: 34,000 PHP 34,0 Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN 2,30 Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 RUB 48,0 Euro: 000 XXX Xxxxxxxxx 550 EUR Singapore Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK 4,95 Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx 700 Israeli Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD 23,0 Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB 24,5 Malaysian Ringgit: 3,100 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s Seller Protection program if: • It involves intangible, non-physical, items, including digital goods and servicesgoods. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store location. • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction (PayPal Plus)transaction. For example, if the sale was made using credit cards directlythe PayPal Payments Pro product, then it is not eligible for coverage. • It involves items equivalent to cash including gift cards. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment sent using PayPal’s friends and family functionality. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat. Restricted Activities‌‌ In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you will not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and PayPal. • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libelous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive what we reasonably believe to be potentially fraudulent funds. • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. • Control an account that is linked to another account that has engaged in any of these restricted activities. • Conduct your business or use the PayPal services in a manner that results in or may result in • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; or; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. • Allow your PayPal account to have a negative PayPal balance. • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on PayPal's permitted countries list; • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or PayPal services; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; or use any device, software or routine to bypass our robot exclusion headers; or interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users’ use of any of the PayPal services. • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. • Use the PayPal services to test credit card behaviors. • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s PayPal account; or • Harass and/or threaten our employees, agents, or other users.

Unauthorized Transactions additional requirements. To be eligible for PayPal’s 's Seller Protection program for a buyer’s 's Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “"eligible” " or “"partially eligible” " for PayPal's Seller Protection on the Transaction Details transaction details page. • The payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s 's behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s 's Seller Protection program. • You must provide proof of shipment or proof of delivery as described belowbelow unless the payment was for an item that was listed for sale in a classified advertisement and you completed the transaction in person. Intangible items Although PayPal Buyer Protection extends coverage to buyers for intangible items, PayPal's Seller Protection does not apply to intangible items. Establishing proof of delivery or proof of shipment‌ The following is required as: Proof of shipment Proof of delivery Online or physical documentation from a shipping company that includes: • Date of shipment • An address for the recipient that matches the shipping address on the Transaction Details transaction details page • An address for the recipient showing at least the city/state, city/country, or postal/zip code (or international equivalent). You’ll 'll need to provide compelling evidence that the item was delivereddelivered or the service was fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient; or • Received or accessed by the recipient. ; or • The proof of delivery for tangible items is online or physical documentation from a shipping company that includes: Date date of delivery and/or “"delivered” " status An address for of the recipient that matches item or service. the shipping address on the Transaction Details page city, country, or postal zip code (or international equivalent). An address for the recipient showing at least the city/state, city/country, or zip/postal zip code (or international equivalent).Signature equivalent). The recipient's address (email/IP) where applicable. Signature confirmation, if the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) from the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s 's website, indicating that the item was signed for. If the Shipping Company is Correiosfor on delivery (save for Sellers having a PayPal Account registered in Albania, the Signature Confirmation is the electronic or physical Delivery Receipt (Aviso de Recebimento - AR) that is issued by CorreiosAndorra, Bosnia and Herzegovina, Croatia, and Ukraine to whom such requirement won't apply). IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ ' status at the correct address, or your Seller Protection claim may be denied. PayPal’s Seller Protection does not apply to intangible items, however, having proper proof of delivery can help a seller win a buyer’s Item Not Received Purchase Protection claim. Signature confirmation thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso: 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 27,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 2,500 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s 's Seller Protection program if: • It involves intangible, non-physical, intangible items, including digital goods and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t n't what was ordered (referred to as a “"Significantly Not as Described” " claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store locationlocation at a point of sale. • It involves sales that are not processed either through a buyer’s 's PayPal account or a PayPal guest checkout transaction (PayPal Plus)transaction. For example, if the sale was made using credit cards directlythe PayPal Payments Pro product, then it is not eligible for coverage. • It involves Gold Bullion. • It involves items equivalent to cash cash, including gift cardscards or vouchers. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment sent using PayPal's friends and family functionality. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat. • The item is not shipped to the recipient address. Restricted Activities‌‌‌ In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you will not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and PayPal. • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libelous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive what we reasonably believe to be potentially fraudulent funds. • Engage in potentially fraudulent or suspicious activity and/or transactions. • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. • Control an account that is linked to another account that has engaged in any of these restricted activities. • Conduct your business or use the PayPal services in a manner that results in or may result in: • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; or; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. • Allow your PayPal account to have a negative PayPal balance. • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on PayPal's permitted countries list; • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or PayPal services; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; use any device, software or routine to bypass our robot exclusion headers; or interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users' use of any of the PayPal services. • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. • Use the PayPal services to test credit card behaviors. • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else's PayPal account; • Harass and/or threaten our employees, agents, or other users. • Abuse (as either a buyer or seller) of our online dispute resolution process and/or PayPal Buyer Protection. • Cause us to receive a disproportionate number of claims that have been closed in favour of the claimant regarding your PayPal account or business. • Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal services. • Disclose or distribute another user's information to a third party, or use such information for marketing purposes unless you receive the user's express consent to do so. • Send unsolicited emails to users or use the PayPal services to collect payments for sending, or assisting in sending, unsolicited emails to third parties. • Copy, reproduce, communicate to any third party, alter, modify, create derivative works, publicly display or frame any content from the PayPal websites without our or any applicable third party's written consent. • Reveal your account password(s) to anyone else, nor use anyone else's password. We are not responsible for losses incurred by you including, without limitation, the use of your account by any person other than you, arising as the result of misuse of passwords.

Unauthorized Transactions additional requirements. To be eligible for PayPal’s 's Seller Protection program for a buyer’s 's Unauthorized Transaction claim, you must meet both the basic requirements listed above and the additional requirements listed below: • The payment must be marked “"eligible” " or “"partially eligible” " for PayPal's Seller Protection on the Transaction Details transaction details page. • The payment must have been made in connection with a transaction where the buyer logged into their PayPal account to complete the transaction. That is, transactions that you complete, on the buyer’s 's behalf pursuant to an agreement with that buyer, where PayPal is stored as the payment method (such as automatic payments) do not qualify for protection from Unauthorized Transactions under PayPal’s 's Seller Protection program. • You must provide proof of shipment or proof of delivery as described belowbelow unless the payment was for an item that was listed for sale in a classified advertisement and you completed the transaction in person. Intangible items Although PayPal Buyer Protection extends coverage to buyers for intangible items, PayPal's Seller Protection does not apply to intangible items. Establishing proof of delivery or proof of shipment‌ The following is required as: Proof of shipment Proof of delivery Online or physical documentation from a shipping company that includes: • Date of shipment • An address for the recipient that matches the shipping address on the Transaction Details page An address for the recipient showing at least the city/state, city/country, or postal/zip code (or international equivalent). You’ll 'll need to provide compelling evidence that the item was delivereddelivered or the service was fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient; or • Received or accessed by the recipient. The proof of delivery for tangible items is online ; or physical documentation from a shipping company that includes: Date of delivery and/or “delivered” status An address for the recipient that matches the shipping address on the Transaction Details transaction details page • An address for the recipient showing at least the city/state, city/country, or zip/postal zip code (or international equivalent).Signature equivalent). • The date of delivery and/or "delivered" status of the item or service. An address for the recipient showing at least the city, country, or postal zip code (or international equivalent). The recipient's address (email/IP) where applicable. Signature confirmation, if the full amount of the payment including shipping and taxes exceeds a fixed amount (based on the currency of the payment) from the signature confirmation threshold table below. Signature confirmation is online documentation, viewable at the shipping company’s 's website, indicating that the item was signed for. If the Shipping Company is Correiosfor on delivery (save for Sellers having a PayPal Account registered in Albania, the Signature Confirmation is the electronic or physical Delivery Receipt (Aviso de Recebimento - AR) that is issued by CorreiosAndorra, Bosnia and Herzegovina, Croatia, and Ukraine to whom such requirement won't apply). IMPORTANT: Your choice of carrier and shipment options with that carrier can have a big impact on your ability to meet the proof of delivery requirements. Please ensure, especially when shipping goods internationally, that your carrier can provide ‘delivered’ ' status at the correct address, or your Seller Protection claim may be denied. PayPal’s Seller Protection does not apply to intangible items, however, having proper proof of delivery can help a seller win a buyer’s Item Not Received Purchase Protection claim. Signature confirmation thresholds Currency Transaction value Currency Transaction value Australian Dollar: 850 AUD New Zealand Dollar: 950 NZD Brazilian Real: 1,750 BRL Norwegian Krone: 4,600 NOK Canadian Dollar: 850 CAD Philippine Peso: 34,000 PHP Czech Koruna: 15,000 CZK Polish Zlotych: 2,300 PLN Danish Krone: 4,100 DKK Russian Xxxxx: 48,000 27,000 RUB Euro: 000 XXX Xxxxxxxxx Dollar: 950 SGD Hong Kong Dollar: 6,000 HKD Swedish Krona: 4,950 SEK Hungarian Forint: 170,000 HUF Swiss Franc: 000 XXX Xxxxxxx Shekel: 2,700 ILS Taiwan New Dollar: 23,000 TWD Japanese Yen: 77,000 JPY Thai Baht: 24,500 THB Malaysian Ringgit: 3,100 2,500 MYR U.K. Pounds Sterling: 450 GBP Mexican Peso: 10,000 MXN U.S. Dollar: 750 USD Ineligible items and transactions Your sale is not eligible for coverage under PayPal’s 's Seller Protection program if: • It involves intangible, non-physical, intangible items, including digital goods and services. Digital goods are delivered and used in an electronic format, like a song delivered online or through a mobile application. • The buyer claims (either with us or their card issuer) that the item you sent isn’t n't what was ordered (referred to as a “"Significantly Not as Described” " claim). • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item. • It involves an item that you deliver in person, including in connection with a payment made in your store locationlocation at a point of sale. • It involves sales that are not processed either through a buyer’s 's PayPal account or a PayPal guest checkout transaction (PayPal Plus)transaction. For example, if the sale was made using credit cards directlythe PayPal Payments Pro product, then it is not eligible for coverage. • It involves Gold Bullion. • It involves items equivalent to cash cash, including gift cardscards or vouchers. • It involves a donation. • It relates to the purchase of a financial product or investment of any kind. • It involves a payment sent using PayPal's friends and family functionality. • It involves a payment made using PayPal Payouts and Mass Pay. • The item is a vehicle, including, but not limited to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat. • The item is not shipped to the recipient address. Restricted Activities‌‌‌ In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you will not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and PayPal. • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libelous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive what we reasonably believe to be potentially fraudulent funds. • Engage in potentially fraudulent or suspicious activity and/or transactions. • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. • Control an account that is linked to another account that has engaged in any of these restricted activities. • Conduct your business or use the PayPal services in a manner that results in or may result in: • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; or; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. • Allow your PayPal account to have a negative PayPal balance. • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on PayPal's permitted countries list; • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorized access to any system, data, information or PayPal services; use an anonymizing proxy; use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission; use any device, software or routine to bypass our robot exclusion headers; or interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users' use of any of the PayPal services. • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. • Use the PayPal services to test credit card behaviors. • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to open new or additional PayPal account(s) when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else's PayPal account; • Harass and/or threaten our employees, agents, or other users. • Abuse (as either a buyer or seller) of our online dispute resolution process and/or PayPal Buyer Protection. • Cause us to receive a disproportionate number of claims that have been closed in favour of the claimant regarding your PayPal account or business. • Have a credit score from a credit reporting agency that indicates a high level of risk associated with your use of the PayPal services. • Disclose or distribute another user's information to a third party, or use such information for marketing purposes unless you receive the user's express consent to do so. • Send unsolicited emails to users or use the PayPal services to collect payments for sending, or assisting in sending, unsolicited emails to third parties. • Copy, reproduce, communicate to any third party, alter, modify, create derivative works, publicly display or frame any content from the PayPal websites without our or any applicable third party's written consent. • Reveal your account password(s) to anyone else, nor use anyone else's password. We are not responsible for losses incurred by you including, without limitation, the use of your account by any person other than you, arising as the result of misuse of passwords.