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 means that people who have never agreed to PayPal's terms of service may still have their personal and transaction data collected, and that data may be retroactively linked to a formal account, expanding PayPal's data profile of that individual.
The statement authorizes PayPal to collect biometric data including face scans and voice identification, infer sensitive attributes such as income and creditworthiness from transaction behavior, and share personal information with data brokers, credit reporting agencies, fraud prevention agencies, and financial institutions. PayPal also discloses that it uses personal information to train AI models and applies automated decision-making to risk analysis, fraud prevention, and product delivery, with limited mechanisms for users outside the EU and UK to object to these uses. You can review and adjust your privacy settings, including opting out of targeted advertising and managing data sharing preferences, by visiting https://www.paypal.com/us/myaccount/privacy/profiles/search.
How other platforms handle this
When you visit the Careers portion of our websites, we collect the information that you provide to us in connection with your job application. This includes but is not limited to business and personal contact information, professional credentials and skills, educational and work history and other in...
American does not knowingly collect personal information directly from children – persons under the age of 13, or another age if required by applicable law – other than when required to comply with the law or for safety and security reasons. Due to the nature of our Services, we may collect travel i...
We may collect information about your location, including precise geolocation information, when you use our Services. We use this information to provide location-based services, such as showing you products available in your area, and for other purposes described in this Privacy Policy.
Monitoring
PayPal has changed this document before.
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"Our Services may be accessed by individuals without a PayPal account or profile. We will collect Personal Information from you even if you are a non-account holder when you use our Services, such as when you use our Pay without a PayPal Account, use Unbranded Payment Services (e.g., Braintree), use a Fastlane profile, or when you receive a payment through the Visa+ service from a PayPal account holder or a payment from a payor using the Hyperwallet services. If you Pay without a PayPal account, we may link your transaction information with your PayPal account if you create a PayPal account later.— Excerpt from PayPal's PayPal Privacy Statement
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This provision means that people who have never agreed to PayPal's terms of service may still have their personal and transaction data collected, and that data may be retroactively linked to a formal account, expanding PayPal's data profile of that individual.
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