The policy states that PayPal may use Personal Information, including transaction data, behavioral data, and inferred data, to train AI models used across its services. This applies to all users of PayPal services without a separate consent mechanism described for this purpose in the US context.
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
Personal Information is not used solely for delivering services to the individual; it may also be used as training data to develop PayPal's AI systems.
Interpretive note: The excerpt states additional purposes for AI model training (more secure, efficient, and personalized services) that were not included in the canonical claim as the primary proposition is the permission to use Personal Information for AI training.
Removed the "AI and Automated Decision Making" section header but content remains substantively identical.
View full change record →Under this clause, Personal Information including transaction history, browsing activity, inferred preferences, and payment data may be used to train PayPal's AI models. The policy does not describe an opt-out mechanism specific to AI training use in the US context, distinct from other data use controls.
How other platforms handle this
We use personal information in connection with certain automated processes to operate the Lyft Platform, for example, to match Riders and Drivers, detect and prevent fraud, and enforce our Terms of Service.
Microsoft also emphasizes the importance of validating AI models responsibly to enhance fairness and alignment with reality.
How Adobe analyzes your content using techniques such as machine learning in order to improve our Services and Software, and how to opt out of this.
"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.Excerpt from PayPal's Privacy Statement
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Personal Information is not used solely for delivering services to the individual; it may also be used as training data to develop PayPal's AI systems.
Under this clause, Personal Information including transaction history, browsing activity, inferred preferences, and payment data may be used to train PayPal's AI models. The policy does not describe an opt-out mechanism specific to AI training use in the US context, distinct from other data use controls.
ConductAtlas has identified this type of provision across 216 platforms. See the full comparison.
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