any dispute arising out of or relating to this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action.
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This provision establishes that PayPal's internal adjudication process is the operative mechanism for all claim eligibility determinations, with no independent review pathway specified beyond PayPal's own appeal process. The breadth of the 'any other information PayPal deems relevant' language grants discretion that extends beyond the enumerated eligibility criteria stated elsewhere in the document.
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Actual clause text
PayPal determines, in its sole discretion, whether your claim is eligible for the Purchase Protection program based on the eligibility requirements, any information or documentation provided during the resolution process, or any other information PayPal deems relevant and appropriate under the circumstances. PayPal's original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.
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PayPal added new language to its User Agreement clarifying how business accounts can use the Send M…
AI Difference AnalysisInsight
Stripe's arbitration clause is narrower than Amazon's in one key respect: it includes a small claims court carve-out that Amazon's clause does not. PayPal's clause is the most aggressive of the three, explicitly waiving jury trial rights in addition to class action rights. From a compliance perspective, Amazon presents the lowest risk for B2B contracts while PayPal creates the highest exposure for consumer-facing applications subject to CFPB oversight.
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