PayPal

You are agreeing to tracking technologies that monitor your device and internet activity to generate inferences about you.

“We use Cookies to collect your device information, internet activity information, and generate inferences as described above... These service providers may also collect information that helps them identify your device, such as IP-address or other unique device identifiers.”

What that means: Your online behavior is monitored to create detailed inferences about your preferences and habits for advertising.

PayPal and its partners track your activity across sites and apps using cookies and device identifiers to build profiles and serve ads.

You are agreeing to the collection and processing of biometric, government-identified, and precise geolocation data.

“Biometric data: Such as voice identification, photo identification, or face scans... Sensitive Personal Information: Such as Social Security and tax ID number... precise geolocation data...”

What that means: High-risk personal identifiers and physical traits are stored and processed by the company.

The document confirms the collection of highly sensitive data types including biometric scans (face/voice), government IDs, social security numbers, and precise location.

You are agreeing to share personal information with partners and merchants for personalized shopping and targeted advertising.

“Unless we are required to obtain your consent, we share Personal Information collected after November 27, 2024 (or from earlier if you consent) for personalized shopping experiences in the United States. Personal Information we disclose includes, for example, products, preferences, sizes, and styles we think you’ll like.”

What that means: Merchants and partners receive your personal preferences and behaviors to target you with specific offers.

PayPal shares personal details with partners and merchants for personalized shopping experiences, effectively selling or sharing inference-based data for commercial targeting.

You are agreeing to accept updated privacy policies that take effect immediately upon publishing.

“We may revise this Privacy Statement from time to time to reflect changes to our business, Services, or applicable laws. If the revised version requires notice in accordance with applicable law, we will provide you with 30 days' prior notice... otherwise the revised Privacy Statement will be effective as of the published effective date.”

What that means: You remain bound by new privacy practices even if you didn't explicitly read or agree to the specific change.

PayPal can change the privacy rules whenever it wants. While some major changes might require 30 days' notice, many updates become effective immediately upon publication without specific individual alerting.

You are agreeing to retain personal information for up to 10 years after your relationship ends.

“Personal Information used for the ongoing relationship between you and PayPal is stored for the duration of the relationship plus a period of 10 years or such period as mandated by any applicable local law once our relationship comes to an end... We retain biometric data for as long as needed or permitted... and no more than 3 years after your account closes, unless otherwise required by applicable law.”

What that means: Your personal history remains accessible to PayPal for a decade after you stop using the service.

Data is kept for up to 10 years after the account closes, and biometric data is retained for up to 3 years post-closure, extending storage well beyond active usage.

You are agreeing that declining cookie tracking may limit or prevent access to the services.

“Certain aspects and features of our Services and Sites are only available through the use of Cookies, so if you choose to disable or decline Cookies through your device or browser settings, your use of the Sites and Services may be limited or not possible.”

What that means: Privacy choices result in reduced functionality or inability to use the service.

Declining cookies directly restricts your ability to use core services, creating a disincentive to reject tracking.

You are agreeing that your interactions may extend to affiliated brands and excluded services within the corporate group.

“Excluded Services means companies or separate brands, affiliates, or subsidiaries of PayPal... Examples include Venmo, Honey Science LLC, Chargehound LLC, Paidy Inc., Swift Financial LLC, and Bill Me Later, Inc.”

What that means: Using PayPal may involve interacting with sister brands that have their own specific privacy and term structures.

PayPal manages multiple distinct brands and services (like Venmo and Honey) that operate under separate terms but are linked within the corporate group.