This analysis describes what Venmo'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
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"FDIC insurance protects against the failure of a Program Bank, not the failure of PayPal, which provides the Venmo service. PayPal is not a bank, does not take deposits and is not FDIC insured.Excerpt from Venmo's User Agreement
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The clause states: “FDIC insurance protects against the failure of a Program Bank, not the failure of PayPal, which provides the Venmo service. PayPal is not a bank, does not take deposits and is not FDIC insured.”
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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