About PAYPAL’s main business
PayPal is a payment service provider that creates, hosts, maintains and delivers PayPal services to you over the Internet. By using our services, you can send payments to any payee with a PayPal account, as well as receive payments in countries or regions where payment collection services are offered. The availability of our services varies by country or region. Log in to your PayPal account to see which services are available in your country or region.
PayPal services are provided by PayPal Pte. Ltd.
PayPal is not soliciting customers through this User Agreement and does not target any country or market.

PayPal Buyer Protection
When you make a purchase from a seller that accepts PayPal, you may be eligible for a refund in accordance with the PayPal Buyer Protection Program, the terms and conditions of which are set forth in the text and form part of the User Agreement. If eligible for the PayPal Buyer Protection Program, you will be able to receive reimbursement including the full purchase amount and original shipping charges, if any.PayPal will determine, in its sole discretion, whether your claim for reimbursement is eligible for the Buyer Protection Program based on eligibility requirements, any information or documentation provided during the dispute resolution process, or any other information PayPal deems relevant and appropriate in the circumstances. PayPal’s initial determination is final, but if you now have new or persuasive information that was not available at the time we made our initial determination, or if you believe that the determination was made in error, you may appeal the determination to PayPal.

IMPORTANT NOTE: In the process of resolving a reimbursement claim, you may be required to return the item to the seller or another party designated by PayPal.The PayPal Buyer Protection Program does not reimburse for return shipping costs that may be incurred.
The PayPal Buyer Protection Program may apply when you encounter the following specific issues with your transaction:
you do not receive an item from the seller (known as an “Item Not Received” claim), or
you receive an item that is not what you ordered (known as a “material misdescription” claim).
If you believe that a transaction made through your PayPal account was not authorized by you, this type of claim is not the same as the Buyer Protection Program, please see the official PAYPAL website section for details.

Sending Payments
In some countries, you can use the Payments feature in your PayPal account to send payments to friends or family.
Sign in to your PayPal account to see which services are available in your country or region.
Even if you send a payment to a friend or family member who doesn’t have an eligible PayPal account, you can use their email address or cell phone number to send them a payment in a currency that PayPal supports, and you can choose the payment method you want to use. If the person you are sending the payment to does not have a PayPal account, they can open an account to receive the payment. If they don’t receive the payment, we’ll refund you. For information on receiving payments from friends or family, please see the Collections section.
We may, in our sole discretion, place limits on the amount of payments you can send, including payments for purchases. You can view payment limits by logging into your PayPal account. If you follow the steps required to verify your information to remove the withdrawal limit, we may increase your payment limit.
When you send a payment to a friend or family member, one of three things may happen: they accept, decline, or fail to receive the payment. If they refuse to accept the payment or fail to collect the payment within 30 days of the date it was sent, the payment (including any fees charged to you) will be refunded to:
the original payment method – when your payment method was a credit card, debit card or PayPal Credit; or
your PayPal account balance – when your payment method was PayPal Account Balance, or when your payment method was a bank account but the refund could not be released to a bank account.

Payment Review
When PayPal identifies a potentially high-risk transaction, we review it more closely before deciding whether to allow the transaction to proceed. If this happens, PayPal freezes the transaction and notifies the seller of the delayed shipment. The buyer may be delayed in receiving the purchased item. If the transaction passes review, we notify the seller and instruct them to ship the item. If the transaction is not reviewed, we will cancel the transaction and return the money to you, unless we need to take other action to comply with legal requirements.

Refunds
When you use PayPal to make a purchase online from a seller and the transaction is eventually refunded, if you used a credit card, debit card or PayPal account balance, the money will be refunded to the original payment method you used for the transaction. If you used your bank account as the payment method for the transaction, we will refund the amount to your bank account or, if a refund to your bank account is not possible, to your PayPal account balance. If you make a purchase at a seller’s brick-and-mortar store using your PayPal account and the transaction is ultimately refunded, the money will be refunded to your PayPal account balance.
If PayPal performs a currency conversion on your transaction and a refund is issued:
within 1 day of the original payment date, the PayPal transaction exchange rate used for the original payment (including our currency conversion fee) will be applied.

If it has been more than 1 day since the original payment date, the PayPal transaction exchange rate (including our currency conversion fee) will be applied on the day of the refund. We may apply the transaction rate for you instantly and without notice. This means that you may not receive the full amount of your original payment due to the above fees and changing currency exchange rates.
Refunds will be made in the currency in which your payment was made; if we are unable to refund you in the currency in which you paid, then we will refund you in your preferred holding currency.

Bank Account Transfers
By selecting your bank account as the payment method, you are allowing PayPal to initiate a transfer from your bank account to the payee’s account. For these transactions, PayPal will electronically transfer the amount you specify from your bank account. If the bank rejects the initial transfer for any reason, you may authorize PayPal to attempt the transfer again.

Electronic Checks
An eCheck is a payment method in which you use your bank account as the payment method and the payee only receives the payment after the bank has processed the transaction. This process usually takes 3-5 business days, but if the bank account to which the payment is sent is not located in your country, the arrival time may be extended.
If eCheck is your preferred payment method, the system will use eCheck for PayPal payments even if you have a balance in your PayPal account.

Item Not Received” Compensation Requests
Your “Item Not Received” claim will not be eligible for a refund under the PayPal Buyer Protection Program if:
· you picked up the item in person or arranged for collection of the item, including if you made the purchase using PayPal at the seller’s physical location or if the seller provided proof of shipment or proof of delivery.
If the seller provides proof that they delivered the item to your address, PayPal may rule in the seller’s favor on a claim for reimbursement for an item not received, even if you claim not to have received the item.

Request for compensation for “significant deviation from description
An item is considered to be “materially not as described” when the following circumstances occur:
The item is materially different from the seller’s description.
You received a completely different item.
The condition of the item is not truthfully described. For example, the item is described as “new” but is actually used.
The item is advertised as genuine but is not (i.e. counterfeit).
An item is missing major components or features, but the description of the item did not disclose these facts when you purchased it.
You purchased a certain number of items but did not receive all of them.
The item was severely damaged during shipping.
The item is not available when you receive it, but you were not notified in advance.
Items may not be considered “significantly different from the description” in the following cases:
The item is substantially similar to the seller’s description.
The seller has accurately described the item’s defects in the item’s description.
The item’s description is correct, but you don’t want the item after you receive it.
The item is correctly described, but does not meet your expectations.
The item has minor scratches and is described as “used”.