123 Total
38 High severity
70 Medium severity
15 Low severity

Key Facts

May PayPal use Personal Information to train artificial intelligence models?
PayPal may use Personal Information to train its artificial intelligence models that power its Services.
What Personal Information will PayPal's Agentic AI tools have access to?
PayPal's Agentic AI tools will have access to a user's Personal Information, including queries, preferences, interests, purchase history, and payment information, when the user uses those tools.
What are PayPal's Agentic AI Tools not designed to do?
PayPal's Agentic AI Tools are not designed to make decisions with legal or similarly significant effects—such as legal, medical, financial, or employment decisions—and users must not use or attempt to use them for any such purpose.
What does PayPal use Automated Decision Making for?
PayPal uses Automated Decision Making to conduct risk analysis, fraud prevention, and risk management.
When may PayPal collect biometric data?
PayPal may collect biometric data—such as voice identification, photo identification, or face scans—when the user consents in the user experience to authenticate certain account-related actions.
Does PayPal store Personal Information for the duration of the relationship plus a period of 10 years?
PayPal stores Personal Information used for its ongoing relationship with the user for the duration of that relationship plus a period of 10 years, or such period as mandated by applicable local law.
Will PayPal discriminate against, deny services to, charge different prices to, or provide a different level of service to users solely for exercising their privacy rights?
PayPal will not discriminate against, deny services to, charge different prices to, or provide a different level of service to users solely for exercising their privacy rights.
How must users opt out of disclosures of Personal Information to Partners and Merchants for personalized shopping experiences?
PayPal requires users to log into their PayPal account and edit preferences in the Data and Privacy setting to opt out of disclosures of Personal Information to Partners and Merchants for personalized shopping experiences.
Does PayPal disclose Personal Information collected after November 27, 2024 for personalized shopping experiences in the United States?
PayPal discloses Personal Information collected after November 27, 2024 (or from earlier if the user consents) for personalized shopping experiences in the United States, unless PayPal is required by law to obtain consent.
Does PayPal retain some Personal Information after a user closes their PayPal account or requests deletion?
PayPal retains some Personal Information even after a user closes their PayPal account or profile, or requests deletion of Personal Information.
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Summary

This document explains what information PayPal collects about you, how it uses and shares that information, and how long it keeps it. PayPal shares your data with partners for personalized shopping by default after November 27, 2024—you must actively log in and change your Data and Privacy settings to stop this. PayPal also keeps your information for ten years after your relationship ends, and closing your account or requesting deletion does not guarantee all your data is removed.

Analysis

PayPal's Privacy Statement establishes the terms under which PayPal collects, uses, retains, and shares Personal Information for both account holders and non-account holders who use its services. The document provides for collection of sensitive data categories including biometric data (conditioned on user consent) and broad financial and behavioral data accessed by Agentic AI tools. PayPal retains Personal Information for the duration of the user relationship plus ten years, or longer as mandated by applicable local law, and retains some data even after account closure or deletion requests. Personal Information collected after November 27, 2024 is shared by default with Partners and Merchants for personalized shopping experiences in the United States unless law requires prior consent, with opt-out available only through an affirmative in-account setting. PayPal deploys Automated Decision Making for risk analysis and fraud prevention, and may refuse, restrict, or terminate services based on those determinations, while also reserving the right to use Personal Information to train its AI models.

What this means for you

As an individual user, your Personal Information—including payment history, purchase history, and potentially biometric data—is collected whether or not you hold a PayPal account, and is retained for ten years after your relationship with PayPal ends. PayPal uses automated systems to assess fraud and credit risk, and those determinations can result in denial or restriction of your access to services. Your data is shared by default with Partners and Merchants for personalized shopping experiences; to stop this sharing, you must log into your PayPal account and update your preferences in the Data and Privacy setting. PayPal commits not to deny services, charge different prices, or otherwise penalize you solely for exercising your privacy rights.

Institutional Analysis
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Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.

19 important changes detected

25 versions captured · Last updated: October 2026

October 1, 2026

unknown
What changed PayPal updated their PayPal Privacy Statement on October 01, 2026. Change detected: 1 sentence(s) modified. Document contained 561 sentences after update.
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What changed PayPal updated their PayPal Privacy Statement on September 30, 2026. Change detected: 2 sentence(s) modified. Document contained 561 sentences after update.
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September 29, 2026 unknown

PayPal updated their PayPal Privacy Statement on September 29, 2026. Change detected: 4 sentence(s) added, 9 sentence(s) modified. Document contained 561 sentences after update.

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September 14, 2026 unknown

PayPal updated their PayPal Privacy Statement on September 14, 2026. Change detected: 2 sentence(s) modified. Document contained 557 sentences after update.

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September 11, 2026 unknown

PayPal updated their PayPal Privacy Statement on September 11, 2026. Change detected: 2 sentence(s) modified. Document contained 557 sentences after update.

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August 18, 2026 low

PayPal updated two email addresses in its Privacy Statement detected on August 18, 2026. The Korea privacy contact email changed from skrprivacy@paypal.com to [email protected], and the Nevada Attorney General …

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August 15, 2026 low

PayPal updated its Privacy Statement to add regulatory and corporate disclosure information for PayPal UK Ltd. The updated terms now include specific language stating that PayPal UK Ltd is authorized …

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August 5, 2026 low

PayPal updated three contact email addresses in its Privacy Statement, detected on August 5, 2026. The changes replaced generic or regional email addresses with standardized PayPal privacy contact addresses in …

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July 14, 2026 low

PayPal restructured the presentation of its privacy statement by adding a detailed table of contents on July 14, 2026. The document was previously introduced with a brief overview paragraph; the …

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July 7, 2026 low

PayPal updated its Privacy Statement on July 7, 2026, adding contact information for its Israel-based subsidiary PayPal Israel Payment Services LTD and making minor revisions to the document structure and …

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June 15, 2026 low

PayPal's Privacy Statement was updated on June 15, 2026 to add a detailed table of contents and reorganize its structure. The prior version opened directly with an overview statement about …

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June 9, 2026 low

PayPal updated its Privacy Statement on June 9, 2026, with 30 sentences modified throughout the document. The change detection indicates structural and content updates to the privacy policy, though the …

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May 28, 2026 low

PayPal's privacy policy was reorganized on May 28, 2026, with the table of contents restructured and footer navigation added. The substantive privacy disclosures remain unchanged from the prior version. This …

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May 23, 2026 low

PayPal updated its Privacy Statement on May 23, 2026 to reflect changes in its corporate structure. The previous version listed PayPal (Europe) S.a.r.l. et Cie, S.C.A. as the responsible entity …

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May 9, 2026 low

PayPal updated its Privacy Statement on May 9, 2026, changing the last-updated date from April 2, 2026 to May 6, 2026, and added footer information including company location, copyright notice, …

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May 5, 2026 low

PayPal removed the table of contents from the top of its Privacy Statement and restructured the document layout on May 5, 2026. The navigation menu that previously listed all sections …

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April 21, 2026 low

PayPal's Privacy Statement document structure was reorganized on April 21, 2026. The prior version presented a brief introductory overview; the updated version now leads with a detailed table of contents …

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April 18, 2026 low

PayPal updated its Privacy Statement on April 18, 2026, making four modifications and removing one sentence. The most substantive changes involve updates to PayPal's Korea contact information, replacing the previous …

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March 6, 2026 low

PayPal updated contact information for privacy inquiries in South Korea and Nevada in its Privacy Statement on March 6, 2026. The South Korea domestic agent changed from PayPal Korea Services …

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Featured, High severity
Featured, Medium severity

Complete Provision Index

Every distinct legal provision identified in this document. Featured provisions appear above with analysis.

123 provisions
12 featured
13 clause types
38 high severity
Data Sharing 35 13 high
Show all 35 data sharing provisions
Privacy Rights 33 6 high
Show all 33 privacy rights provisions
Targeting and Audience Restrictions 1 1 high
Acceptable Use Restrictions 1
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Mapped Governance Frameworks

CCPA/CPRA
California, USA
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Connecticut Data Privacy Act Amendments
US-CT
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CAN-SPAM
United States Federal
View official text ↗
ePrivacy Directive
European Union
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FCRA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
UK GDPR
United Kingdom
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗
Archival ProvenanceSource & Archival Record
Last Captured October 1, 2026 00:11 UTC
Capture Method Automated scheduled archival capture
Document ID CA-D-000045
Version ID CA-V-007244
SHA-256 (extracted text, extractor v4) 0cf4f6c14a92824df96313ad833e5c9ef1b69c7a4b8ef30f5edc3720abe534ff
Archived bytes SHA-256 (anchor) 54430eaae205ca0a0992e1ac412140b9f9f97e485f28f0aa52804466c8193154
✓ Snapshot stored ✓ Text extracted ✓ Change verified ✓ Hash verified

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