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
Failure to report within the 60-day window can permanently extinguish the user's right to recover funds lost to unauthorized transactions, conditional on PayPal proving it could have intervened.
If you do not notify PayPal of an unauthorized transaction within 60 days of the statement being provided to you, you risk losing the right to recover funds lost after that 60-day period, provided PayPal can prove it could have stopped the loss.
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To the extent that any provisions in the Business Terms of Service conflict with these Terms, the Business Terms of Service shall govern to the extent of the conflict.
Regardless of who terminates these Terms, both you and Snap continue to be bound by Sections 2, 3 (to the extent any additional terms and conditions would, by their terms, survive), and 6 - 25 of the Terms.
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"If you do not tell us within 60 days after we provided the statement to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money...Excerpt from PayPal's User Agreement
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Failure to report within the 60-day window can permanently extinguish the user's right to recover funds lost to unauthorized transactions, conditional on PayPal proving it could have intervened.
If you do not notify PayPal of an unauthorized transaction within 60 days of the statement being provided to you, you risk losing the right to recover funds lost after that 60-day period, provided PayPal can prove it could have stopped the loss.
ConductAtlas has identified this type of provision across 298 platforms. See the full comparison.
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