PayPal's User Agreement significantly affects your financial rights and access to funds — PayPal can place holds on your money for up to 180 days and limit or suspend your account at its discretion. You waive the right to participate in class action lawsuits and must resolve all disputes through individual binding arbitration, which is generally more costly and less accessible for small-dollar claims. You can opt out of the arbitration agreement by sending a written notice to PayPal's Legal Department at 2211 North First Street, San Jose, CA 95131 within 30 days of first accepting the User Agreement.
How other platforms handle this
To the extent permitted by the applicable law, payments are non-refundable and we do not provide refunds or credits for any partial membership periods or unused Netflix content.
Our policy is not to provide refunds, including if you lose access to offerings and/or membership subscription benefits as described above, though we may allow for some exceptions where refunds are granted at our sole discretion.
If you are a Consumer Customer, you have a fourteen (14) day right of withdrawal pursuant to European consumer protection laws. You have the right to withdraw from this agreement within fourteen days without having to give any reason. For Products, the withdrawal period (or cooling-off period) expir...
Sellers who don't carefully follow PayPal's Seller Protection requirements — such as maintaining proof of shipment to the correct address — can find themselves fully liable for chargebacks even where the transaction was legitimate.