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Paypal 10 Prozent

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Money sent to your personal PayPal account cannot be held as a balance in your personal PayPal account.

When you receive money to your personal PayPal account, you can:. You also cannot transfer money to your personal PayPal account to be held as a balance in your personal PayPal account.

You will need to open a Cash Account to hold the money as a balance in your Cash Account, which can be used for purchases or to transfer funds to friends and family members.

Except as provided below, any balance in your Cash Account and any funds sent to you which have not yet been transferred to a linked bank account or debit card if you do not have a Cash Account represents an unsecured claim against PayPal and is not insured by the Federal Deposit Insurance Corporation FDIC.

PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds held with PayPal.

PayPal combines your PayPal funds with the PayPal funds of other PayPal users and invests those funds in liquid investments in accordance with state money transmitter laws.

PayPal owns the interest or other earnings on these investments. Money sent to a business PayPal account can be held directly as balance in the business PayPal account.

However, the claim against PayPal represented by your PayPal funds is not secured by these investments and you do not have any ownership interest either legal or beneficial in these investments.

We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your PayPal account. Completing two out of three of the following steps can help us verify your PayPal account, which may allow us to remove any withdrawal cap:.

Your balance in your business PayPal account or in your Cash Account, if you have one, may be held in currencies other than U.

To receive money in a currency your account is not currently configured to accept, it may be necessary to create a balance in your business PayPal account or in your Cash Account, in that currency or convert the money into another currency.

Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold.

You are responsible for all risks associated with maintaining multiple currencies in a PayPal Cash Account or business PayPal account.

You may not manage or convert multiple currencies for speculative trading purposes, conversion arbitrage, conversion options, or any other activity that PayPal determines is primarily for the purpose of gaining or making money based on currency conversion rates.

PayPal may hold, cancel, or reverse any transaction we determine to violate this policy. If PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange.

The transaction exchange rate is adjusted regularly and includes a currency conversion spread described below applied and retained by us on a base exchange rate to form the rate applicable to your conversion.

The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day; or, if required by law or regulation, set at the relevant government reference rate s.

For some uses of your PayPal accounts, PayPal may determine currency conversion is necessary. For any of the following transactions that involve a currency conversion, the currency conversion spread is 3.

For all other transactions involving a currency conversion, the currency conversion spread is 3.

When your payment is funded by a debit or credit card and PayPal determines a currency conversion is necessary, you consent to and authorize PayPal to convert the currency in place of your debit or credit card issuer.

You may have the right to have your card issuer perform the currency conversion, if applicable for that card issuer and network. Currency preference selections may be presented to you in various forms, including a choice of which currency is used for the transaction, whether PayPal or your card issuer performs the conversion, or which conversion rate is used for the transaction, and may be made available individually for each card and for each automatic payment agreement.

If your card issuer converts the currency, your card issuer will determine the currency conversion rate and what fees they may charge.

PayPal will always perform the conversion for transactions where your Cash Account balance, business PayPal account balance or linked bank account is the payment method.

You have the right to receive an account statement showing your PayPal account activity. You may view your PayPal account statement by logging into your PayPal account.

If you have a Cash Account linked to your personal PayPal account, you will receive two statements: one showing all transactions in your personal PayPal account and an additional statement showing only transactions involving your Cash Account.

If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account.

We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases.

You can view any sending limit by logging into your PayPal account. When you send money to a friend or family member who has a PayPal account, one of two things may happen: they may accept or decline the money.

If they decline to accept the money, the money including any fees you were charged will be refunded to:.

The fees applicable to sending money can be found on our Fees for Sending Money to Friends and Family page and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member.

If you use your credit card as the payment method when sending money, you may also be charged a cash-advance fee by your card issuer.

This will be disclosed to you by the third party before the payment is initiated. You can also use the send money feature in your PayPal account to pay for goods or services.

In that case, the seller will pay a fee. This includes, for example:. If the seller you are buying from sells goods or services and that seller does not already have a PayPal account, they can claim your payment by opening a PayPal account.

In order to manage risk, PayPal may limit the payment methods available for a transaction when you buy something. In addition, payment methods may be limited for certain sellers or if you make a PayPal payment through certain third party websites or applications.

When you authorize a payment to a seller who accepts PayPal, some sellers may take up to 30 days to complete the transaction.

In these instances, your payment may appear as a pending order in your PayPal account. In that case, your authorization of the payment will remain valid until the seller completes the transaction but no longer than 30 days.

If you used a debit or credit card as the payment method, your debit or credit card issuer also may show a pending authorization for a period of time until they release the hold or receive a completed transaction.

Your debit or credit card issuer may also charge you a separate fee for non-U. In addition you may be required to pay a fee to PayPal if you are making a purchase using PayPal Business Payments and the seller discloses to you that you, as the buyer, must pay the fee.

When PayPal identifies a potentially high-risk transaction, we review the transaction more closely before allowing it to proceed.

When this happens, PayPal will place a hold on the transaction and notify the seller to delay shipping of the item.

As a buyer, this may delay your receipt of the item you purchased. If we clear the transaction, we will notify the seller and direct them to ship the item.

You can agree with a seller who accepts PayPal to use PayPal as the payment method for future purchases with that seller. This agreement is between you and the seller and allows you to pay the seller on a one-time, recurring or sporadic basis.

Once your automatic payment is canceled, all future automatic payments under your agreement with that seller will be stopped.

If you cancel an automatic payment, you may still owe the seller money for the purchase or have additional obligations to the seller for any goods or services that you receive but have not paid for.

If you have given advance authorization, either to a seller or to PayPal, that permits a seller to take or receive payments from your PayPal account on a regularly recurring basis for example, every month or otherwise on a routine billing cycle , and if such payments will vary in amount, you have the right to advance notice of the amount and date of the transfer from the seller at least 10 days before the transfer is made.

If the seller provides the option, you may choose to receive this advance notice only when the amount of your automatic payment will fall outside a range established between you and the seller.

When you buy something from a seller online using PayPal and the transaction is ultimately refunded, the money will typically be refunded to the original payment method you used for the transaction if you used a debit card, credit card, PayPal Credit, or a balance in your Cash Account or business PayPal account.

If you used a bank account linked to a personal PayPal account as the payment method for the transaction, we will attempt to refund the money to your bank account.

If we are unable to do so, we will refund the money to your linked Cash Account if you have one. If you do not have a Cash Account, the money will be waiting for you to claim by using one of the available transfer methods under Receiving Funds, Holding a Balance or Transferring Funds for personal PayPal accounts.

If you used a bank account linked to a business PayPal account as the payment method for the transaction, we will attempt to refund the money to your bank account.

If we are unable to do so, we will refund the money to your balance in your business PayPal account. If you used Pay with Rewards to fund your transaction, your refund will be processed back as a dollar amount: depending on your card agreement with your issuer, your issuer may or may not credit your purchase back to your reward balance.

Money will be refunded in the currency you paid; or if we are unable to refund in the currency you paid, in your primary holding currency; or we are unable to refund in your primary holding currency, then in U.

You can choose any of the payment methods in your PayPal account as your preferred payment method. There may be times when your preferred payment method cannot be used, for example, if you select a credit card that is expired.

You can set separate preferred payment methods for online transactions, in-store transactions, and each of your automatic payment agreements, as described below.

If you have chosen a preferred payment method, it will be shown as the primary method of payment.

The availability of certain payment methods may be limited based on that particular seller or the third party website you are using to complete the transaction.

If you have not selected a preferred payment method, or your preferred payment method is unavailable, we will show you available payment methods, including the payment method you used most often or most recently, at the time of transaction.

Certain one-time online transactions may require that a backup funding method be used in the event that your selected or preferred payment method is unavailable.

In those instances, the backup funding method may be displayed to you on your transaction review page, before you complete the transaction.

Note that this only applies for one-time, online transactions, and not for in-store or automatic payments. If PayPal determines currency conversion is necessary for a transaction that also requires a backup payment method, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on your backup payment method.

When you send money to friends and family within the U. If you select a payment method with a fee, we will always show you the fee before you send money.

Some sellers allow you to store PayPal as the way you pay when making purchases on their site, so you can check out faster.

To help minimize disruptions in your automatic payments, we may update your Payment Method information; see Link or Unlink a Payment Method.

When you first set up an automatic payment agreement, you may have the option to set up a preferred payment method for such agreement.

You can review, set, or change a preferred payment method for an automatic payment agreement in your account settings on paypal.

Your preferred payment method for an automatic payment agreement will be used for transactions with that seller. If you have available balance in a linked Cash or cash Plus account, that balance may be used before your preferred payment method.

If you have not set a preferred payment method for an automatic payment agreement, or if your preferred payment method for an automatic payment agreement is unavailable for example, because it is expired or has insufficient funds the payment method used will be in the following order, if applicable: 1.

Bank account; 3. PayPal co-branded debit card; 4. PayPal co-branded credit card; 5. Debit card; 6.

Credit card; and 7. This is also the order of payment methods that will be used if a previously selected payment method to be used in a seller agreement is unavailable.

When you use your bank account as a payment method, you are allowing PayPal to initiate a transfer from your bank account to the recipient.

For these transactions, PayPal will make electronic transfers from your bank account in the amount you specify.

You authorize PayPal to try this transfer again if the initial transfer is rejected by your bank for any reason.

E-check is a payment method where you use your bank account as your payment method, and the payment is not received by the recipient until the transaction is processed from the bank.

This process usually takes Business Days, but this amount of time will increase if the payment is sent from a bank account located outside the United States.

The exchange of this information is necessary to complete the purchase when you select the Pay with Rewards redemption option.

If we process your debit or prepaid card through an ATM debit network, we may provide you with the opportunity to switch to a Visa, MasterCard or Discover network by changing your preferences for that debit or prepaid card through your PayPal account profile.

If you use the PayPal application on your mobile phone, you may store loyalty card numbers or bar codes, where applicable, for certain sellers in your PayPal account.

It is your responsibility to make sure you have entered your loyalty card information correctly and that you update it as necessary.

It is also your responsibility to ensure that you are receiving the rewards to which you are entitled. PayPal is not responsible for managing your loyalty card account by offering this service and any questions about your loyalty card or associated rewards program should be directed to the seller who offers the card.

PayPal determines, in its sole discretion, whether your claim qualifies for the Purchase Protection program. If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is different from the Purchase Protection program, and is described below under Liability for Unauthorized Transactions and Other Errors.

If the seller presents evidence that they delivered the goods to your address, PayPal may find in favor of the seller for an Item Not Received claim even if you claim you did not receive the goods.

You may also file a claim Step 2 below by calling us and speaking to an agent. The steps you must follow are described below, and if you do not follow these steps your claim may be denied:.

This might allow you to start a direct conversation with the seller regarding your issue with the transaction that may help resolve the dispute.

If you are unable to resolve the dispute directly with the seller, proceed to Step 2. You can escalate the dispute to a claim for reimbursement through the Resolution Center.

The seller or PayPal may also escalate the dispute to a claim at this point. If you are making an Item Not Received claim, PayPal may ask you to wait at least 7 days from the transaction date to escalate the dispute.

PayPal may require you to provide receipts, third party evaluations, police reports or other documents that PayPal specifies.

You must respond to these requests in a timely manner as requested in our correspondence with you.

Step 5: PayPal will make a decision including automatically closing any dispute or claim , in its sole discretion, based on the coverage and eligibility requirements set forth above, any additional information provided during the online dispute resolution process or any other information PayPal deems relevant and appropriate under the circumstances.

Note that when you are making Digital Goods Micropayments Purchases , there are special rules that apply and that include pre-determined thresholds where we may, at our discretion, reverse the transaction without requiring you to take further action.

We may limit the number of automatic reversals that you benefit from, but, even if that is the case, you will still be able to follow PayPal's standard dispute resolution processes described above.

If you used a debit or credit card as the payment method for a transaction through your PayPal account and you are dissatisfied with the transaction, you may be entitled to dispute the transaction with your card issuer.

You must choose whether to pursue a dispute with PayPal under our Purchase Protection program, or to pursue the dispute with your card issuer.

If you choose to dispute a transaction with PayPal and we decide against you, you can seek to pursue the dispute with your card issuer later.

If PayPal does not make a final decision on your claim until after your card issuer's deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from the card issuer, we will reimburse you for the remainder of your loss minus any amount you have already recovered from the seller or your card issuer.

If you use your PayPal account to receive payments for the sale of goods or services or accept donations, you must:.

You agree that you will not impose a surcharge or any other fee for accepting PayPal as a payment method. You may charge a handling fee in connection with the sale of goods or services as long as the handling fee does not operate as a surcharge and is not higher than the handling fee you charge for non-PayPal transactions.

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 or Venmo services or marks.

In representations to your customers or in public communications, you must not mischaracterize any PayPal or Venmo services or exhibit a preference for other payment methods over PayPal or Venmo services.

Within all of your points of sale, you agree not to try to dissuade or inhibit your customers from using PayPal or Venmo services or encourage the customer to use an alternate payment method.

If you enable your customers to pay you with PayPal or Venmo, 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 or Venmo services payment marks at least as prominently, and in at least as positive a manner, as you do for all other payment methods.

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 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 file tickets for assistance and 2 at least one active customer service telephone number.

Such information must be readily accessible for review by your customers. PayPal reviews certain potentially high-risk transactions.

If PayPal determines, in its sole discretion, that a transaction is high-risk, we 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 the PayPal Seller Protection requirements.

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 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.

Any such protections may require you to take certain actions and may impact how claims are processed. Provide a simple and easily accessible online cancelation 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. Whenever a transaction is refunded or otherwise reversed, PayPal will refund or reverse the transaction from your PayPal account.

If a currency conversion is necessary for example if the balance in your Cash Account or your business PayPal account for a particular currency is insufficient to cover the amount of a refund or reversal, or if the buyer paid in a different currency , PayPal will perform a currency conversion in order to refund or reverse the transaction.

If you refund a payment for goods or services, there are no fees to make the refund, but the fees you originally paid as the seller are not returned to you.

The amount of the refunded payment will be deducted from your PayPal account. When you receive a payment, you are liable to PayPal for the full amount of the payment sent to you plus any fees if the payment is later invalidated or reversed for any reason.

A negative balance represents an amount that you owe to us, and, in this situation, you must immediately add funds to your balance to resolve it.

If you receive a debit or credit card-funded payment through your PayPal account and the buyer pursues a chargeback for the transaction with their card issuer, then PayPal will not assess you with a chargeback fee if the transaction is eligible for PayPal Seller Protection.

However, if the transaction is ineligible for PayPal Seller Protection, PayPal will assess you with a chargeback fee for facilitating the chargeback process regardless of whether the buyer is successful in pursuing the chargeback with the card issuer.

If you accept PayPal payments from buyers for goods or services you sell through eBay, then you need to read and understand the eBay Money Back Guarantee program.

If the balance in your Cash Account or business PayPal account is insufficient to cover the amount, we may:.

There is no limit on the number of payments for which you can receive coverage. By accessing the transaction details page in your PayPal account you can determine whether or not your transaction is eligible for protection under this program.

PayPal may change the content provided through this program at any time for any reason, and PayPal may choose to discontinue the PayPal Advertising Program at any time.

If you promote the use of PayPal Credit on your sites and customer communications through the PayPal Advertising Program, there are additional requirements that apply.

You are also prohibited from representing or holding yourself out to represent PayPal Credit in any way. You are responsible for any damages suffered by PayPal or any third parties resulting from your failure to follow the rules of the PayPal Advertising Program, and if you violate these rules, PayPal may modify or remove the PayPal content you are presenting or require you to remove or modify it immediately.

If you fail to follow these rules, we may limit or close your PayPal account. 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 must not:.

The actions we make take include, but are not limited to, the following:. Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions.

To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Center or follow the instructions in our email notice with respect to the limitation, hold or reserve.

We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account.

In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions.

We have no obligation to disclose the details of our risk management or security procedures to you. A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level.

When PayPal places a temporary hold on a payment, the money is not available to either the sender or the recipient.

PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction.

Some common situations where PayPal will hold payments include:. We may place a hold on payments sent to your PayPal account if, in our sole discretion, we believe that there may be a high level of risk associated with you, your PayPal account, or your transactions or that placing such a hold is necessary to comply with state or federal regulatory requirements.

We make decisions about whether to place a payment hold based on a number of factors, including information available to us from both internal sources and third parties.

When we place a hold on a payment, the funds will appear in your PayPal account with an indication that they are unavailable or pending.

Risk-based holds generally remain in place for up to 21 days from the date the payment was received into your PayPal account.

The hold may last longer than 21 days if the payment is challenged as a payment that should be invalidated and reversed based on a disputed transaction as discussed in the following paragraph below.

This is done once you have granted us permission to have your funds held and will be in accordance with your agreement with the third-party.

These holds will appear in your PayPal account. If you have questions about why the applicable marketplace or third party instructed PayPal to put these holds in place, you will need to contact the marketplace or third-party directly.

If a payment sent to you as a seller is challenged as a payment that should be invalidated and reversed, we may place a temporary hold on the funds in your PayPal account to cover the amount that could be reversed.

Any of the situations described under Refunds, Reversals and Chargebacks are situations that could result in us placing a hold on a payment.

Limitations are implemented to help protect PayPal, buyers and sellers when we notice restricted activities , an increased financial risk, or activity that appears to us as unusual or suspicious.

Limitations also help us collect information necessary for keeping your PayPal account open. You will need to resolve any issues with your account before a limitation can be removed.

Normally, this is done after you provide us with the information we request. We may place a reserve on your business PayPal account at any time if we believe there may be a high level of risk associated with you, your business PayPal account, your business model, or your transactions.

When we place a reserve on your business PayPal account, it means that all or some portion of the money in your business PayPal account is reserved as unavailable for withdrawal in order to protect against the risk of transactions made by you being reversed or invalidated or any other risk related to your business PayPal account or use of the PayPal services.

We make decisions about whether to place a reserve based on a number of factors, including information available to us from both internal sources and from third parties.

PayPal considers a list of non-exclusive factors and whether and how these factors have changed over time, including:.

There are two types of reserves that may be placed on your business PayPal account, and one or both may be applied at the same time:.

We will decide, in our sole discretion, which action is required of us. Unless the court order, applicable law, regulatory requirement or other legal process requires otherwise, we will notify you of these actions.

We do not have an obligation to contest or appeal any court order or legal process involving you or your PayPal account.

When we implement a hold, reserve or limitation as a result of a court order, applicable law, regulatory requirement or other legal process, the hold, reserve or limitation may remain in place longer than days.

To protect yourself from unauthorized activity in your PayPal account, you should regularly log into your PayPal account and review your PayPal account statement.

PayPal will notify you of each transaction by sending an email to your primary email address on file. You should review these transaction notifications to ensure that each transaction was authorized and accurately completed.

PayPal will protect you from unauthorized activity in your PayPal account. When this protection applies, PayPal will cover you for the full amount of the unauthorized activity as long as you cooperate with us and follow the procedures described below.

For example, if someone steals your password, uses the password to access your PayPal account, and sends a payment from your PayPal account, an Unauthorized Transaction has occurred.

Box , Omaha, NE Tell us AT ONCE if you believe that an electronic fund transfer has been made without your permission using your login information or by other means.

You could lose all the money in your PayPal account. Also, if your PayPal account statement shows transfers that you did not make, including those made with your PayPal login information or by other means, tell us at once.

If you do not tell us within 60 days after we provided the statement to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason such as a long trip or a hospital stay kept you from telling us, we may extend the time periods. Notify us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.

We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days.

We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly.

If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days , we may not credit your PayPal account.

We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation. You may be protected for certain errors when you send money using a PayPal account outside of the U.

You must contact us within days of the date we promised to you that funds would be made available to the recipient. When you do, please tell us:.

We will determine whether an error occurred within 90 days after you contact us and we will correct any error promptly.

You may ask for copies of any documents we used in our investigation. If you provide us your mobile phone number, you agree that PayPal and its affiliates may contact you at that number using autodialed or prerecorded message calls or text messages to: i service your PayPal branded accounts, ii investigate or prevent fraud, or iii collect a debt.

We will not use autodialed or prerecorded message calls or texts to contact you for marketing purposes unless we receive your prior express written consent.

We may share your mobile phone number with service providers with whom we contract to assist us with the activities listed above, but we will not share your mobile phone number with third parties for their own purposes without your consent.

You do not have to agree to receive autodialed or prerecorded message calls or texts to your mobile phone number in order to use and enjoy the products and services offered by PayPal.

Standard telephone minute and text charges may apply. PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf or some or all of the PayPal services for any reason and at any time upon notice to you and, upon termination of this user agreement, the payment to you of any unrestricted funds held in your PayPal account.

As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, funds held in your PayPal account.

If the balance in your PayPal account becomes negative for any reason, that negative balance represents an amount that you owe to PayPal.

PayPal may deduct these amounts from funds that are added to your PayPal account later, either by you or from payments you receive.

If you have more than one PayPal account, we may set off a negative balance in one PayPal account against a balance in your other PayPal account s , including a Cash Account.

If you continue using your PayPal account when it has a negative balance, you authorize PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction.

If you hold funds in a PayPal account in multiple currencies, and the balance for one of the currencies becomes negative for any reason, PayPal may set off the negative balance by using funds you maintain in a different currency.

If you have a negative balance in non-U. In addition to the above, if you have a past due amount owed to us, our affiliates, or eBay, PayPal may debit your PayPal account to pay any amounts that are past due.

This includes amounts owed by using our various products such as Venmo, Xoom or Braintree. If PayPal invalidates and reverses a payment that you made to a recipient either at your initiative or otherwise , you agree that PayPal assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in PayPal's discretion.

Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches.

Our affiliates include each entity that we control, we are controlled by or we are under common control with. In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages including without limitation damages for loss of data or loss of business arising out of or in connection with 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 this user agreement however arising, including negligence , unless and to the extent prohibited by law.

Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. PayPal specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.

PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so.

PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf may be interfered with by numerous factors outside of our control.

PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or the U.

Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you.

If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages actual and consequential of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise between us will be resolved in accordance with the Agreement to Arbitrate provisions set forth below.

Please read this information carefully. Among other things it:. If a dispute arises between you and PayPal, acting as either a buyer or a seller, our goal is to learn about and address your concerns.

If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost effective means of resolving the dispute quickly.

You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual non-class, non-representative basis.

This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.

You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding.

Any relief awarded cannot affect other PayPal customers. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited.

However, the arbitrator s can award the same damages and relief on an individual basis that a court can award to an individual.

The arbitrator s also must follow the terms of this user agreement as a court would. The AAA's rules are available at www.

A party who intends to seek arbitration must first send the other party, by certified mail, a completed Notice of Dispute.

PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date.

All information called for in the notice must be provided including a description of the nature and basis of the claims the party is asserting and the relief sought.

If you and PayPal are unable to resolve the claims described in the notice within 30 days after the notice is sent, you or PayPal may initiate arbitration proceedings.

A form for initiating arbitration proceedings is available on the AAA's website at www. The arbitration shall be held in the county in which you reside or at another mutually agreed location.

Any settlement offer made by you or PayPal shall not be disclosed to the arbitrator s. The arbitrator s will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law.

The award of the arbitrator s shall be final and binding, and judgment on the award rendered by the arbitrator s may be entered in any court having jurisdiction thereof.

Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate.

In the event the arbitrator s determine the claim s you assert in the arbitration to be frivolous, you agree to reimburse PayPal for all fees associated with the arbitration paid by PayPal on your behalf that you otherwise would be obligated to pay under the AAA's rules.

All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms.

If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice.

The opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. You must mail the opt-out notice to PayPal, Inc.

For your convenience, we are providing an opt-out notice form you must complete and mail to opt out of this Agreement to Arbitrate.

You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address es used to log in to the PayPal account s to which the opt-out applies.

You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate.

If you opt out of this Agreement to Arbitrate, all other parts of the user agreement will continue to apply.

Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.

Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate other than an amendment to any notice address or website link provided herein in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal prior to the effective date of the amendment.

The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal.

We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www. Ihre Merkliste wurde für die Zwischenzeit gespeichert.

Bitte melden Sie sich an , um die Liste dauerhaft zu speichern. This book has evolved primarily from lecture notes for data communications courses taught at Georgia State University since Additional material was derived from seminar presentations that were made during this period as well as from consulting work.

Teaching data communications in the College of Business Administration influenced the point of view of this material, giving it a semitechnical orientation.

This point of view has been extended to the prepara tion of this book. Only those technical details were included which, it was felt, would lead the student to a better understanding of the subject.

References are provided for those who desire further information in particular areas. The reader for whom this book is intended is the nontechnical person who has some knowledge of computer technology and who wishes to extend that knowledge to the field of data communications.

The two key points stressed in this book are terminology and concepts. The objectives of this book are to enable the student: 1.

To read articles in the field of data communications with an understand ing of their content. To be able to engage in knowledgeable discussions with communica tions engineers on the subject of data communications.

To design and implement the hardware aspects of applications using data communications. The software that would be involved is beyond the scope of this book except where protocols are considered.

To effectively evaluate proposals for the implementation of data com munications systems. Essenzielle Essentielle Cookies ermöglichen grundlegende Funktionen und sind für die einwandfreie Funktion der Website erforderlich.

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At PayPal, we put people at the center of everything we do. Who We Are Leadership. Social Innovation We use our unique resources to drive meaningful, lasting social impact through our business.

PayPal is only a payment service provider We act as a payment service provider. Notwithstanding the provisions of the prior paragraphif you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable through multiple tiersand royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark s including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you for the purpose of 1 identifying you as https://radhanathswami.co/online-casino-cash/belgien-steuern.php merchant that accepts a PayPal service as a payment form, and 2 https://radhanathswami.co/gta-5-casino-online/swarms.php other use to which you specifically consent. If you used a debit or credit card as the payment method for please click for source transaction through your PayPal account quite Reise Zum Mittelpunkt Der Erde Trailer think you are dissatisfied with the transaction, you may be entitled Esl One Dota dispute the transaction with your card issuer. 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. Go here are responsible for all risks associated with maintaining multiple currencies in a PayPal Cash Account or business PayPal account. You request receipt or periodic statement documents that PayPal is required to provide to you. E-check is a payment method where you use your bank account as your payment method, and the payment is not received by the recipient until the transaction is processed from the bank. Ihre Merkliste wurde für die Zwischenzeit gespeichert. If we update your payment method, we will keep any preference setting attached to such payment method. You understand and agree that, to Spiel Calavera extent permitted by law, PayPal may, without further notice or warning, monitor or record Paypal 10 Prozent conversations you or anyone acting on your behalf has with PayPal or its agents for quality control and training purposes or for our own learn more here.

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