High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from PayPal’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
Personal Information is retained for a substantial fixed period after the relationship ends, meaning data is not deleted promptly upon account closure or termination.
Failure to report within the 60-day window can permanently extinguish the user's right to recover funds lost to unauthorized transactions, conditional on PayPal proving it could have intervened.
Users may be unable to access their funds for up to 180 days under the stated conditions, representing a significant restriction on access to money held in the account.
This notice requirement gives existing users a defined minimum window to review and respond to policy changes before they become binding.
The category is defined by how the seller holds itself out, not solely by licensure, meaning any party presenting itself as a health-care provider—including medical tourism facilitators—falls within …
PayPal's Acceptable Use Policy sets out what you can and cannot do with its payment services. A wide range of activities—including selling digital assets, health-care services, adult content, and gambling—are …
This document sets the rules for using PayPal's services. If you have a dispute with PayPal, you must resolve it through binding arbitration rather than court — unless you mail …
This document explains what information PayPal collects about you—including if you use PayPal without an account—how long it keeps that information (your entire relationship plus ten years), and how it …
This document establishes PayPal's Buyer Protection program, which authorizes refunds of the full purchase price plus original shipping for claims of Item Not Received or Significantly Not as Described on …
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Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
ConductAtlas tracks 4 PayPal documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
PayPal has made 32 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 117 provisions across PayPal's tracked documents. 47 are rated high severity, 62 medium, and 8 low.
Yes. Monitor subscribers ($4.99/month) can add PayPal to their watchlist and receive same-day email alerts whenever any tracked document changes.