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The clause establishes PayPal's operational authority to create derived data categories beyond information users directly provide. This inferred data may be used for credit assessment, fraud detection, and risk modeling, expanding the data elements PayPal develops and maintains about each user account.
Users' accounts will have inferred attributes (creditworthiness, income estimation, shopping preferences) generated and maintained by PayPal based on their transaction history and service usage. These derived data elements may inform PayPal's internal models for credit decisions, risk assessment, and service personalization.
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"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.— Excerpt from PayPal's PayPal Privacy Statement
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The clause establishes PayPal's operational authority to create derived data categories beyond information users directly provide. This inferred data may be used for credit assessment, fraud detection, and risk modeling, expanding the data elements PayPal develops and maintains about each user account.
Users' accounts will have inferred attributes (creditworthiness, income estimation, shopping preferences) generated and maintained by PayPal based on their transaction history and service usage. These derived data elements may inform PayPal's internal models for credit decisions, risk assessment, and service personalization.
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