PayPal

You are agreeing to share your browsing and purchasing insights with partner merchants to personalize your shopping experience.

“We also disclose Personal Information to Partners and Merchants... to help ourselves and Partners and Merchants personalize services and offers so you can have a better and more relevant experience.”

What that means: Merchants and ad platforms can see your detailed purchase history and preferences to customize ads and offers shown to you.

PayPal shares your shopping habits, preferences, and product interests with the merchants you buy from and their service providers to help them target you.

You are agreeing to keep your personal data stored for at least 10 years after your account closes.

“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...”

What that means: Your financial history remains in their system long after you stop using the service, limiting your control over outdated data.

Even if you close your account, PayPal keeps your core transaction and identity data for a decade, plus any additional time required by law.

You are agreeing to allow your personal information to be disclosed to partners and merchants for personalized shopping experiences.

“Please note that certain jurisdictions require providing a lawful basis for processing Personal Information... Unless we are required by law to obtain your consent, we disclose Personal Information collected from you after November 27, 2024... for personalized shopping experiences in the United States.”

What that means: Your purchase history and interests are communicated to external merchants to influence what you see and buy next.

PayPal discloses personal information to partners and merchants for personalized shopping experiences. While they offer an opt-out, the default behavior involves sharing data to enable targeted offers.

You are agreeing that your data will persist even if you delete your account or request deletion.

“If you close your PayPal account(s) or profile, delete, or request that we delete Personal Information, we still need to keep some Personal Information... Complete a transaction... Detect and prevent malicious, fraudulent, or illegal activity... Comply with laws...”

What that means: You cannot fully erase your digital footprint even after closing your account, as backups and compliance records remain.

Deleting your account does not remove all data; significant portions are kept for compliance, fraud prevention, and legal reasons.

You are agreeing to provide biometric data like face scans or voice ID for account authentication.

“Biometric data: Such as voice identification, photo identification, or face scans, which we may collect when you consent in the user experience to authenticate you...”

What that means: You provide high-security biological data that could be compromised if their systems are breached.

PayPal collects sensitive biometric identifiers like face scans and voice ID to verify your identity for transactions or password recovery.

You are agreeing that your usage may extend to various PayPal-affiliated brands and services listed in the definitions.

“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 data interactions with a wide network of affiliated brands and financial tools.

The main statement covers the 'PayPal corporate group' but explicitly notes that excluded services like Venmo and Honey have their own policies, yet the general framework of data sharing often extends across the wider affiliate ecosystem for non-excluded products.

You are agreeing to be bound by updates to this statement that take effect on the published date.

“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 may find new rules in effect without having ample time to review or object before they apply to you.

PayPal can update its privacy terms immediately upon publication unless specific local laws demand a 30-day warning period.

You are agreeing to accept cookie-based tracking to avoid limited access to PayPal's 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: You cannot easily refuse tracking without losing the ability to use core features of the site or app.

Declining cookies restricts access to key parts of the service, making the choice to reject difficult because it degrades functionality.