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 authority to share account holder information with external debt collection entities as part of its debt collection procedures. It operationally notifies users that credit reporting may result from debt collection referrals, creating a procedural connection between PayPal's collection activities and credit reporting outcomes.
Users whose accounts carry unpaid overdue debts may have their personal information shared with third-party debt collection agencies under this provision. The terms further establish that these agencies may report such debts to credit reporting agencies, which the clause identifies as a potential consequence affecting credit availability.
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"We may disclose Personal Information with such agencies to collect unpaid overdue debts through a third party such as a debt collection agency. Please be aware that these parties' privacy notices apply to the processing of Personal Information that you share directly with them, and they may report your unpaid debts to CRAs which may affect your creditworthiness or ability to secure future credit.— Excerpt from PayPal's PayPal Privacy Statement
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The clause establishes PayPal's authority to share account holder information with external debt collection entities as part of its debt collection procedures. It operationally notifies users that credit reporting may result from debt collection referrals, creating a procedural connection between PayPal's collection activities and credit reporting outcomes.
Users whose accounts carry unpaid overdue debts may have their personal information shared with third-party debt collection agencies under this provision. The terms further establish that these agencies may report such debts to credit reporting agencies, which the clause identifies as a potential consequence affecting credit availability.
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