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.
Inferred creditworthiness and income data derived from behavioral profiling can be used in automated decisions affecting your access to financial products, without the transparency protections of traditional credit reporting.
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.
Your genetic data may be transferred to a new owner as a business asset. Here is what the Terms of Service actually say and what you can do right now.