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
Using customer data to train AI models raises questions about the scope of consent provided and how long such data is retained for training purposes, which may have implications under GDPR's purpose limitation and data minimization principles.
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.
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
Writer does not use Customer Data to train its AI models without explicit customer permission. Customer Data means the data, content, and information that customers and their end users submit to or through the Services.
We may use the content you provide to us, including prompts and generated images, to train and improve our AI models and services.
We use your personal data to develop, train, and improve our artificial intelligence and machine learning models. This includes using your transaction data, behavioral data, and interaction data to enhance our fraud detection, credit assessment, and personalization capabilities. We take steps to pro...
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"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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Using customer data to train AI models raises questions about the scope of consent provided and how long such data is retained for training purposes, which may have implications under GDPR's purpose limitation and data minimization principles.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by PayPal.