PayPal · PayPal Privacy Statement

Inferred Data and Behavioral Profiling

High severity
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Why it matters (compliance & risk perspective)

Inferences about income and creditworthiness derived from payment behavior can affect your access to financial products and may be shared with partners and merchants without your knowledge.

Consumer impact (what this means for users)

PayPal collects an exceptionally broad range of personal data — including biometrics, precise geolocation, inferred creditworthiness, and full financial histories — and shares it with partners, merchants, credit reporting agencies, data brokers, and members of the PayPal corporate group. Automated decision-making, including AI-driven risk and fraud assessments, can directly affect your account status, credit access, and transaction approvals without transparent human review. You can review and limit certain data uses by visiting your PayPal account privacy settings at paypal.com/us/myaccount/privacy.

How other platforms handle this

Lyft Medium

Information to make the Lyft Platform safer, like background check information or identity verification information

Microsoft Medium

Personal data collected by Microsoft may be stored and processed in the United States or any other country where Microsoft or its affiliates, subsidiaries, or service providers maintain facilities. Microsoft complies with applicable legal frameworks relating to the transfer of data across borders, i...

Apple Medium

Apple products and our many services are operated internationally. Personal data collected by Apple may be stored and processed in any country or region where Apple or its service providers operate facilities. By using Apple's products or services, or providing us with your personal data, you consen...

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View original clause language
Inferred data: Such as gender, income, browsing and purchasing habits, creditworthiness, fraud and risk assessment, your preferences and shopping behavior, which we may infer based on your transactions and interactions with our Services, ads and offers or with our Partners and Merchants.

Applicable regulations

BIPA
Illinois, USA
CCPA/CPRA
California, USA
COPPA
United States Federal
CAN-SPAM
United States Federal
DMA
European Union
FCRA
United States Federal
GDPR
European Union
GLBA
United States Federal
HIPAA
United States Federal
UK GDPR
United Kingdom

Provision details

Document information
Document
PayPal Privacy Statement
Entity
PayPal
Document last updated
April 29, 2026
Tracking information
First tracked
March 6, 2026
Last verified
April 10, 2026
Record ID
CA-P-002267
Document ID
CA-D-00045
Evidence Provenance
Source URL
Wayback Machine
SHA-256
a5efa287f0b43a6a87f7dfc939ccb3c8edfb0ea67f476b2afeddf66fffa27690
Verified
✓ Snapshot stored   ✓ Change verified
How to Cite
ConductAtlas Policy Archive
Entity: PayPal | Document: PayPal Privacy Statement | Record: CA-P-002267
Captured: 2026-03-06 20:34:43 UTC | SHA-256: a5efa287f0b43a6a…
URL: https://conductatlas.com/platform/paypal/paypal-privacy-statement/inferred-data-and-behavioral-profiling/
Accessed: May 4, 2026
Classification
Severity
High
Categories

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Frequently Asked Questions

What does PayPal's Inferred Data and Behavioral Profiling clause do?

Inferences about income and creditworthiness derived from payment behavior can affect your access to financial products and may be shared with partners and merchants without your knowledge.

Is ConductAtlas affiliated with PayPal?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by PayPal.