This analysis describes what PayPal's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Automated decisions can affect whether you can access your account, obtain credit, or use PayPal services, and under GDPR users have specific rights to challenge these decisions and request human review — rights that are less clearly defined for US users.
The statement authorizes PayPal to collect biometric data including face scans and voice identification, infer sensitive attributes such as income and creditworthiness from transaction behavior, and share personal information with data brokers, credit reporting agencies, fraud prevention agencies, and financial institutions. PayPal also discloses that it uses personal information to train AI models and applies automated decision-making to risk analysis, fraud prevention, and product delivery, with limited mechanisms for users outside the EU and UK to object to these uses. You can review and adjust your privacy settings, including opting out of targeted advertising and managing data sharing preferences, by visiting https://www.paypal.com/us/myaccount/privacy/profiles/search.
How other platforms handle this
We may use the content you provide to us, including prompts and generated images, to train and improve our AI models and services.
For information on how we process personal data through "profiling" and "automated decision-making", please see our FAQ.
For information on how we process personal data through "profiling" and "automated decision-making", please see our FAQ.
Monitoring
PayPal has changed this document before.
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"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.— Excerpt from PayPal's PayPal Privacy Statement
How 10 AI platforms describe the use of user data for model training, improvement, and development, based on archived governance provisions.
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Automated decisions can affect whether you can access your account, obtain credit, or use PayPal services, and under GDPR users have specific rights to challenge these decisions and request human review — rights that are less clearly defined for US users.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by PayPal.