The statement discloses that PayPal uses automated technology to profile users for credit risk, fraud, and money laundering indicators using personal data, and that such automated assessments may result in refusal of new services, termination of existing services, or imposition of account limits without specifying a requirement for prior notice. Users may request human review of automated decisions in jurisdictions where this right exists.
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
This provision establishes that automated profiling assessments directly govern access to PayPal's core payment and financial services, including the ability to send and receive money, and that account limitations or terminations may follow from automated risk determinations. The statement notes that in the United States these practices are characterized as either exempt or not triggering an opt-out right under applicable US privacy laws, while in other jurisdictions users may exercise rights to review or object to automated decisions.
⚠ Automated risk assessments will apply as stated, and account limitations or service refusals may be implemented without the user having initiated a review.
⚠ In the United States, the statement characterizes these practices as exempt from opt-out rights under applicable US privacy laws, meaning no action to opt out is available to US users under the current terms.
Cross-platform context
See how other platforms handle Automated Decision Making with Account Restriction Consequences and similar clauses.
Compare across platforms →"PayPal uses Automated Decision Making technology to make assessments or decisions, including related to risk, fraud and creditworthiness, where permitted and in accordance with applicable law. Our Automated Decision Making technology may use profiling techniques to evaluate personal aspects about you, including to analyze or predict your economic situation, reliability and/or behavior. This enables us to assess, for example, whether you display traits indicating possible credit or financial risk, money laundering or fraudulent activity, that are inconsistent with any submissions you have made to us, or that suggest you have hidden your real identity. In making an Automated Decision, PayPal may process Users' Personal Information. If we determine that you pose a credit, fraud, money laundering or other risk, we may refuse to provide new services to you, stop providing services you currently use, or place limits or restrictions on the services you use.Excerpt from PayPal's Privacy Statement
REGULATORY LANDSCAPE: This provision implicates GDPR Article 22 for EEA residents, which grants data subjects the right not to be subject to solely automated decisions producing legal or similarly significant effects, subject to exceptions for …
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This provision establishes that automated profiling assessments directly govern access to PayPal's core payment and financial services, including the ability to send and receive money, and that account limitations or terminations may follow from automated risk determinations. The statement notes that in the United States these practices are characterized as either exempt or not triggering an opt-out right under applicable …
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