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
The clause establishes PayPal's operational authority to process personal data for model development and automated determinations regarding fraud detection, risk assessment, and service delivery. This authorization applies across the full customer base and affects how the company processes information in real time.
Interpretive note: The provision does not specify a distinct lawful basis for AI training use or describe an opt-out mechanism, leaving the scope of this use and available user controls ambiguous across jurisdictions.
Users' personal information may be incorporated into AI model training processes and subjected to automated decision-making systems for fraud prevention and risk management. The terms authorize these data processing activities as part of service provision without requiring separate user consent for each model training instance.
How other platforms handle this
Data publicly available on the Internet. Our artificial intelligence models are trained on data that is publicly available on the Internet by third parties, which may contain personal data, even if we use good practices to filter out such personal data. [...] Training Datasets. In some cases, we acc...
To improve the quality of our services, we analyse texts submitted for translation. We ensure that this analysis cannot be traced back to individual users by anonymising the data before analysis. DeepL Pro subscribers' texts are not used to train our machine translation systems.
Only models with a post-mitigation score of "medium" or below can be deployed. Only models with a post-mitigation score of "high" or below can be developed further.
Monitoring
PayPal has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"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 Meta, TikTok, and Supabase restructured governance language across documents, jurisdictions, and consent frameworks through incremental document updates.
How 10 AI platforms describe the use of user data for model training, improvement, and development, based on archived governance provisions.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
The clause establishes PayPal's operational authority to process personal data for model development and automated determinations regarding fraud detection, risk assessment, and service delivery. This authorization applies across the full customer base and affects how the company processes information in real time.
Users' personal information may be incorporated into AI model training processes and subjected to automated decision-making systems for fraud prevention and risk management. The terms authorize these data processing activities as part of service provision without requiring separate user consent for each model training instance.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by PayPal.