Compare data collection governance provisions between Stripe and PayPal. Provisions are extracted from monitored governance documents and classified by severity.
The provision's operational significance is that it establishes the scope of data collection across Stripe's multi-stakeholder ecosystem, clarifying that data collection occurs regardless of whether an individual has a direct contractual relationship with Stripe. This framing allows Stripe to collect and process data from parties who interact with Stripe's infrastructure through merchant relationships rather than as direct service users.
Consumer impact
Individuals interacting with Stripe's services through merchants, representatives, or site visits become subject to data collection and processing under this policy without necessarily entering into a direct service agreement. The provision authorizes collection of technical data (device information, IP addresses) alongside voluntarily provided information across all identified relationship categories.
Opt-out available
No opt-out available
Actual clause text
We provide financial infrastructure for the internet. Individuals and businesses of all sizes use our technology and services to facilitate purchases, accept payments, send payouts, and manage their online businesses. [...] Depending on the context, 'you' might be an End Customer, End User, Representative, or Visitor. [...] Personal Data refers to any information associated with an identified or identifiable individual, which can include data that you provide to us, and that we collect about you during your interaction with our Services (such as device information, IP address, etc.).
AI-extracted from source document. Verify against original for legal use.
The clause establishes a geolocation data collection practice that operates on an opt-in basis for personalization purposes, while reserving a separate authorization for security-related geolocation use that applies independently of user consent to precise location tracking.
Consumer impact
Users may consent to precise geolocation tracking to receive location-customized services, offers, and ads. PayPal retains authorization to use approximate location data derived from address information for location-based recommendations regardless of precise location consent, and retains separate authorization to use precise geolocation for security purposes.
Opt-out available
No opt-out available
Actual clause text
Send you locally relevant options and for security. If you agree to let us track your precise geolocation, we can customize our Services by personalizing language and content such as providing location-based options, functionality or offers, ads and search results. Even if you don't allow us to track your precise location, we may still use your address to send you location-based options recommended by businesses that are near your address. In addition, we will use precise geolocation to enhance the security of the Sites and Services. We collect precise geolocation data from Users while they are logged into their financial account.
AI-extracted from source document. Verify against original for legal use.
PayPal reorganized the table of contents in its Privacy Statement on May 14, 2026. The statement pr…
AI Difference AnalysisProfessional
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.