Compare data usage governance provisions between Stripe and PayPal. Provisions are extracted from monitored governance documents and classified by severity.
The incorporation of the DPA establishes a framework that specifies how each party must handle Personal Data processing, including mechanisms for international data transfers. This creates enforceable obligations for data handling practices that supplement the primary service agreement.
Consumer impact
Users operate under data processing obligations defined in the separate DPA document, which governs how Stripe and the user must handle Personal Data. The Data Transfers Addendum specifically addresses the mechanisms and compliance requirements for transferring Personal Data across jurisdictions.
Opt-out available
No opt-out available
Actual clause text
Each party will comply with the DPA, including the Data Transfers Addendum, which is incorporated into this Agreement by this reference. The DPA sets out the parties' respective obligations and responsibilities regarding Personal Data processing in connection with the Services.
AI-extracted from source document. Verify against original for legal use.
The clause establishes PayPal's operational authority to incorporate user data into AI model development and to apply automated decision systems for security and fraud mitigation functions. This defines the scope of permissible data uses beyond transaction processing and direct service provision.
Consumer impact
Users' Personal Information may be incorporated into PayPal's AI training processes and subject to automated decision-making systems for fraud prevention and risk assessment. The provision establishes this practice as part of the standard terms governing service delivery and account management.
Opt-out available
No opt-out available
Actual clause text
AI and Automated Decision Making. We may use Personal Information to train our artificial intelligence (AI) models that power our Services and help us deliver more secure, efficient, and personalized services. PayPal also uses Automated Decision Making to provide our products and Services, conduct risk analysis, fraud prevention and risk management to protect our customers and business, including to prevent fraud against our Partners and Merchants and strategic ventures.
AI-extracted from source document. Verify against original for legal use.
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.