Compare liability limitation governance provisions between Stripe and PayPal. Provisions are extracted from monitored governance documents and classified by severity.
The clause defines the scope of recoverable damages in disputes with Stripe by categorically excluding entire classes of losses that might otherwise be available under contract, tort, or other legal theories. This operates as a structural limitation on exposure across all dispute resolution pathways, whether through litigation or other proceedings.
Consumer impact
Users operating under these terms accept that claims against Stripe for losses such as business interruption, lost profits, or data loss cannot recover those categories of damages, even if such losses directly result from Stripe's actions or omissions. The limitation applies regardless of fault theory or whether Stripe anticipated the potential for such damages.
Opt-out available
No opt-out available
Actual clause text
In no event will Stripe, its affiliates, or their respective directors, officers, employees, agents, or suppliers be liable to you for any indirect, punitive, incidental, special, or consequential damages arising out of or related to this agreement, including loss of profits, loss of revenue, loss of business opportunity, loss of goodwill, and loss of data. The limitations of liability in this section apply regardless of the form of action and regardless of whether the liability is based on warranty, contract, tort (including negligence), strict liability, or any other legal or equitable theory, and even if Stripe has been advised of the possibility of such damages.
AI-extracted from source document. Verify against original for legal use.
The exclusion list defines the operational scope of PayPal's Purchase Protection coverage by specifying which transaction types fall outside program eligibility. This establishes a boundary between protected and unprotected transaction categories within the payment ecosystem.
Consumer impact
Users engaging in transactions involving the listed items or transaction types operate without access to PayPal's Purchase Protection program mechanisms. The terms apply as written, meaning transactions in these categories are not eligible for protection claims or dispute resolution through the program.
Opt-out available
No opt-out available
Actual clause text
The following items or transactions are not eligible for PayPal's Purchase Protection program: Real estate, including residential property. Vehicles, including, but not limited to, motor vehicles, motorcycles, recreational vehicles, aircraft, and boats, except for personally portable light vehicles used for recreational purposes like bicycles and wheeled hoverboards. Businesses (when you buy or invest in a business). Industrial machinery used in manufacturing. Payments that are equivalent to cash, including stored value items such as gift cards and pre-paid cards. Payments made in respect of gold (whether in physical form or exchange-traded form). Financial products or investments of any kind. Non-fungible tokens (NFTs). Gambling, gaming, and/or any other activities with an entry fee and a prize. Donations, including payments on crowdfunding platforms as well as payments made on crowdlending platforms. Personal Payments including payments sent using PayPal's friends and family functionality. Items intended for resale, including single item transactions or transactions that include multiple items.
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.