PayPal User Agreement changes — dated 2026-09-14 (SERIOUS)

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PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you.

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### **Release of PayPal**

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If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections (whether statutory or otherwise, for example, California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.

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## Agreement to Arbitrate

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## Dispute Resolution (Including Arbitration Agreement, Class Action Waiver, and Jury Trial Waiver)

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You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise between you and us will be resolved in accordance with the Agreement to Arbitrate provisions set forth below. Please read this information carefully. Among other things it:

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Please read this Dispute Resolution section carefully. It affects your legal rights. Among other things it:

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- Affects your and our rights and will impact how claims between you and us are resolved, including your and our agreement to waive the right to trial by jury.

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- Includes a [**Prohibition of Class and Representative Actions and Non-Individualized Relief**]() pursuant to which you agree to waive your right to participate in a class action lawsuit against us.

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- Requires you to follow the [**Opt-Out Procedure**]() to opt-out of the Agreement to Arbitrate by mailing us a written notice that must be postmarked no later than 30 days after the date you accept this user agreement for the first time.

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- Impacts how claims between you and us are resolved, including your and our agreement to resolve most disputes through individual arbitration ("Arbitration Agreement") and to waive the right to trial by jury.

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- Includes a class action waiver pursuant to which you and we agree to waive the right to bring or to participate in a class action lawsuit or to seek representative relief in arbitration or in court.

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- Requires you and us to attempt to informally resolve claims before commencing arbitration or initiating an action in small claims court.

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- Allows you to opt-out of the Arbitration Agreement by following the [**Opt-Out Procedure**]() and sending us a written notice postmarked no later than 30 days after the date you accept the user agreement for the first time.

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If a dispute arises between you and PayPal, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the PayPal services may be reported to customer service online through the [**PayPal Help Center**](https://www.paypal.com/selfhelp/home) at any time, or by calling (888) 221-1161 from Mon-Fri 5:00 AM to 10:00 PM PT and Sat-Sun 6:00 AM to 8:00 PM PT.

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In this Dispute Resolution section, we use the term "PayPal" to refer to PayPal, Inc., our parent PayPal Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers, and suppliers. Our affiliates include each entity that we control, we are controlled by, or we are under common control with.

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<table><tbody><tr><td colspan="2">Agreement to Arbitrate</td></tr><tr><td>Our Agreement</td><td>You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration or in small claims court. You or PayPal may assert claims in small claims court instead of in arbitration if the claims qualify and so long as the matter remains in small claims court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.</td></tr><tr><td>Notices of Disputes</td><td>Before bringing any dispute or claim, you or PayPal must first send the other party, by certified mail, a completed <a href="https://www.paypal.com/legalhub/pp-notice-dispute" pa-marked="1">Notice of Dispute</a>. You should send this notice to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including but not limited to: your or PayPal's signature, the email address and phone number associated with the customer's PayPal account, a description of the nature and basis of the claims that are being asserted, a statement of the specific relief sought, and any relevant documents and supporting information reasonably available to the claiming party.If you and PayPal are unable to resolve the claims described in the notice within 45 days after the notice is received by you or PayPal, you or PayPal may commence an arbitration proceeding or suit in small claims court. A form for initiating arbitration proceedings is available on the American Arbitration Association's website at <a href="http://www.adr.org/" pa-marked="1" target="_blank">www.adr.org</a>. The Notice of Dispute requirements are essential in order to give the parties a meaningful chance to resolve disputes informally.</td></tr><tr><td>Prohibition of Class and Representative Actions and Non-Individualized Relief</td><td>You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person's or party's claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim(s). Any relief awarded cannot affect other PayPal customers.</td></tr><tr><td>Arbitration Procedures</td><td>Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. All issues are for the arbitrator to decide, except that a court of competent jurisdiction shall decide issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate and issues that this Agreement to Arbitrate indicates that a court can resolve.Any arbitration will be administered by the American Arbitration Association (referred to as the "AAA"). For all claims in which the value of the relief sought is $10,000 U.S. dollars or less, the AAA's Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply without exception. For all other claims, the AAA's rules, including, as applicable, the AAA's Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. The AAA's rules are available at www.adr.org. In the event that the AAA is unavailable to administer the arbitration, another administrator will be selected by the parties or by the court.Any arbitration hearings shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $25,000 or less, the arbitration will be conducted based solely on written submissions, unless any party requests an in-person, telephonic, or videoconference hearing or the arbitrator decides that a hearing is necessary. In cases where an in-person hearing is held, you and/or PayPal may attend by telephone or videoconference, unless the arbitrator requires otherwise.The arbitrator will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. No court or arbitrator shall be bound by rulings in prior arbitrations involving different PayPal customers, but a court or arbitrator will be bound by rulings in prior arbitrations involving the same PayPal customer to the extent required by applicable law. The award of the arbitrator shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.</td></tr><tr><td>Costs of Arbitration</td><td>Payment of all AAA or arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, PayPal will pay all AAA or arbitrator fees associated with the arbitration. Any request for payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the AAA or arbitrator fees as the arbitrator deems necessary to prevent the cost of accessing the arbitration from being prohibitive. In the event the arbitrator determines that either the substance of your or PayPal's claim or the relief sought was frivolous or brought for an improper purpose, then you or PayPal may seek to recover from you or PayPal any fees it paid, including attorneys' fees, to the extent permitted by the AAA's rules and applicable law.</td></tr><tr><td>Severability</td><td>With the exception of any of the provisions in the <a href="#table-agreement-arbitrate-prohibition" pa-marked="1">Prohibition of Class and Representative Actions and Non-Individualized Relief</a> section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the <a href="#table-agreement-arbitrate-prohibition" pa-marked="1">Prohibition of Class and Representative Actions and Non-Individualized Relief</a> section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in court. All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms.</td></tr><tr><td>Opt-Out Procedure</td><td>If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice. The opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. You must mail the opt-out notice to PayPal, Inc., Attn: Litigation Department, 2211 North First Street, San Jose, CA 95131.For your convenience, we are providing an <a href="https://www.paypal.com/us/legalhub/paypal/pp-optout" pa-marked="1" target="_blank">opt-out notice</a> form you must complete and mail to opt out of this Agreement to Arbitrate. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of this Agreement to Arbitrate, all other parts of the user agreement will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.</td></tr><tr><td>Future Amendments to this Agreement to Arbitrate</td><td>Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal or you prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before the effective date of the amendments and by providing notice through email. If you do not agree to these amended terms, you may close your PayPal account within the 30-day period and you will not be bound by the amended terms.</td></tr></tbody></table>

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If a dispute arises between you and PayPal, our goal is to learn about and address your concerns. Disputes between you and PayPal regarding the PayPal services may be reported to customer service online through the [**PayPal Help Center**](https://www.paypal.com/selfhelp/home) at any time, or by calling (888) 221-1161 from Mon-Fri 5:00 AM to 10:00 PM PT and Sat-Sun 6:00 AM to 8:00 PM PT. If we are unable to address your concerns to your satisfaction, we aim to provide you with a neutral and cost-effective means of resolving the dispute quickly.

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<table><tbody><tr><td colspan="2">Arbitration Agreement</td></tr><tr><td>Binding Individual Arbitration</td><td>You and PayPal each agree that any and all disputes or claims arising out of or relating to the user agreement, the PayPal services, your PayPal account, or your relationship with PayPal, whether based in contract, tort, fraud, misrepresentation, or any other legal theory ("Dispute"), shall be resolved through final and binding arbitration, except that you or we may elect to have a Dispute heard in small claims court, so long as it proceeds individually and is not removed or appealed to a court of general jurisdiction. Whether a Dispute falls within the jurisdictional limits of small claims court is for the appropriate small claims court to decide in the first instance, and for a court of competent jurisdiction to otherwise decide. Notwithstanding the foregoing, Disputes arising from the violation or threatened violation of copyrights, trademarks, patents, or trade secrets will not be subject to arbitration or the "Mandatory Informal Dispute Resolution Process." Dispute shall be interpreted broadly to the extent permitted under the Federal Arbitration Act ("FAA"), and shall include, but not be limited to any dispute or claim that: (1) arose before the existence of this or any prior user agreement and (2) may arise after termination of the user agreement. The arbitrator shall decide all issues except the following, which are for a court of competent jurisdiction to decide: (1) issues reserved for a court in the user agreement; (2) issues related to the scope, validity, and enforceability of the Arbitration Agreement, class action waiver, jury trial waiver, or any provisions of the Dispute Resolution section; (3) issues related to arbitrability; and (4) issues related to whether this or a different version of the user agreement applies to the Dispute. You and we agree that the user agreement is a transaction in interstate commerce and that this Arbitration Agreement will be interpreted and enforced in accordance with the substantive and procedural provisions of the FAA and federal arbitration law (not state arbitration law).</td></tr><tr><td>Mandatory Informal Dispute Resolution Process</td><td>Before initiating arbitration or commencing a matter in small claims court, you or PayPal must first send the other party, by certified mail, a completed <a href="https://internal.paypalinc.com/us/legalhub/paypal/pp-notice-dispute" pa-marked="1">Notice of Dispute</a> form. You should send this Notice of Dispute to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any Notice of Dispute to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the form including but not limited to: your original handwritten signature or, for PayPal, the original handwritten signature of an authorized representative (and your or our counsel's original handwritten signature, if represented); the email address and phone number associated with the customer's PayPal account, a detailed description of the nature and basis of the claims that are being asserted; a statement of the specific relief sought with a good faith calculation for it; and any relevant documents and supporting information reasonably available to the claiming party. To safeguard your personal information, if you have retained an attorney to submit your Notice of Dispute, you also must provide written authorization, with your original handwritten signature, allowing us to discuss the Dispute and your account and to share your account records with your attorney. We also may ask for verification of your identity and the fact that you authorized submission of the Notice of Dispute or disclosure of account information to your attorney. You agree to cooperate promptly with any reasonable request for verification.For a period of 60 days after receipt of a complete Notice of Dispute, you and PayPal agree to negotiate in good faith in an effort to informally resolve the Dispute. The party receiving the Notice of Dispute may request a telephone or video settlement conference to aid in the resolution of the Dispute. If a conference is requested, you and a PayPal representative will personally attend (with counsel, if represented). The conference will be scheduled for a mutually convenient time, which may be outside of the 60-day period. Completion of this Informal Dispute Resolution Process ("Process") is a condition precedent to initiating arbitration.If the sufficiency of a Notice of Dispute or compliance with this Process is at issue, such issue may be decided by a court of competent jurisdiction, and any arbitration shall be stayed. The court shall have the authority to enforce this condition precedent, which includes the power to enjoin the filing or prosecution of the arbitration and the assessment or collection of fees. During any such court proceeding, the arbitration will be automatically stayed. Nothing in this paragraph limits the right of a party to seek relief (including damages) for non-compliance in arbitration. All applicable limitations periods (including statutes of limitation) shall be tolled from the date of receipt of a Notice of Dispute through the conclusion of this Process or the date on which the party providing the Notice of Dispute withdraws or abandons the Dispute.</td></tr><tr><td>Arbitration Procedures</td><td>The arbitration shall be administered by JAMS in accordance with the then-current JAMS rules, including the JAMS Streamlined Arbitration Rules & Procedures and any Mass Arbitration Procedures and Guidelines applicable to the Dispute (collectively, "JAMS Rules"), as modified by this Arbitration Agreement. If JAMS is unable or unwilling to administer the arbitration consistent with this Arbitration Agreement, and the parties cannot agree on an alternative provider that will do so, then you or we may petition a court of competent jurisdiction to appoint one that will do so. The JAMS Rules are available at <a href="https://www.jamsadr.com/" pa-marked="1" target="_blank">www.jamsadr.com</a>. An arbitration demand must be accompanied by a copy of the Notice of Dispute and a certification of compliance with the Process, and include the original handwritten signature of the party initiating arbitration (and counsel, if represented). If you are submitting the arbitration demand, you shall send it to PayPal by certified mail at: PayPal, Inc., Attn: Legal Specialists, Re: Arbitration Demand, P.O. Box 45950, Omaha, NE 68145-0950 and follow the JAMS Rules for initiating arbitration. If we are submitting the arbitration demand, we shall send any notice to you to the address we have on file associated with your PayPal account and follow the JAMS Rules for initiating arbitration. By submitting an arbitration demand, the party and any counsel represent that, as in federal court, they are complying with the requirements of Federal Rule of Civil Procedure 11(b). The arbitrator is authorized to impose any sanctions available under Federal Rule of Civil Procedure 11 and the JAMS Rules on represented parties and their counsel.The parties shall select a single, neutral arbitrator through a strike-and-rank process. The arbitration will be conducted based solely on written submissions, unless either party requests an in-person, telephonic, or videoconference hearing and the arbitrator decides that such a hearing is warranted. If an in-person arbitration hearing has been requested and deemed warranted by the arbitrator, it shall be held within 50 miles of the county or parish in which you reside or at another mutually agreed location. You and a PayPal representative will personally appear at any hearing (with counsel, if represented).The arbitrator may award on an individual basis any relief that would be available in court, including injunctive or declaratory relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. You and PayPal agree that each may bring claims against the other only in your or our individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative proceeding. Further, unless you and PayPal agree otherwise, an arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of class, collective, consolidated, private attorney general, or representative proceeding. If, after exhaustion of all appeals, any of these prohibitions on non-individualized injunctive or declaratory relief and class, collective, consolidated, private attorney general, or representative proceedings are found to be unenforceable with respect to a particular claim or request for relief (such as a request for public injunctive relief), then such claim or request for relief will be decided by a court of competent jurisdiction, after all other claims and requests for relief are arbitrated.Both parties have the right to file dispositive motions prior to any hearing. The arbitrator shall follow and enforce the user agreement as a court would. The arbitrator will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. Any exchange of information ordered by the arbitrator shall be proportional to the needs of the case, take into account the amount in controversy and burdens to the parties, and be designed to be efficient and cost-effective, while ensuring a fundamentally fair process for both parties. Any submission containing AI-generated content must include a certification by the party (or counsel, if the party is represented) that they have personally verified the content's accuracy.The arbitrator shall issue a reasoned written decision sufficient to explain essential findings and conclusions. The arbitrator shall apply the cost-shifting provisions of Federal Rule of Civil Procedure 68 after entry of an award. An award shall have no preclusive effect in any other arbitration or proceeding involving non-identical parties.</td></tr><tr><td>Costs of Arbitration</td><td>Payment of arbitration fees will be governed by the JAMS Rules and fee schedule. You and PayPal agree that the parties have a shared interest in reducing the costs and increasing the efficiencies associated with arbitration. Therefore, you or PayPal may elect to engage with JAMS regarding the reduction or deferral of arbitration fees, and you and we agree that the parties (and counsel, if represented) will work together in good faith to ensure that arbitration remains cost-effective for all parties.</td></tr><tr><td>Additional Procedures for Mass Arbitration</td><td>You and PayPal agree that these Additional Procedures for Mass Arbitration (in addition to the other provisions of this Arbitration Agreement) will apply if you choose to participate in a Mass Arbitration, as defined herein. If 25 or more similar Disputes (including yours) are asserted against PayPal by the same or coordinated counsel or are otherwise coordinated ("Mass Arbitration"), you understand and agree that the resolution of your Dispute might be delayed and ultimately proceed in court. The parties agree that as part of these procedures, their counsel shall meet and confer in good faith in an effort to resolve the Disputes, streamline procedures, address the exchange of information, modify the number of Disputes to be adjudicated and conserve the parties' and JAMS's resources. If your claim is part of a Mass Arbitration, any applicable limitations periods (including statutes of limitations) shall be tolled for your Dispute from the time that your Dispute is first submitted to JAMS until your Dispute is selected to proceed as part of the staged process set forth below or is settled, withdrawn, otherwise resolved, or opted out of arbitration pursuant to this provision.Stage One: In the first stage, if there are 50 Disputes or more, claimants' counsel and PayPal will each select 25 Disputes to be filed as cases (50 cases total) in arbitration and resolved individually by different arbitrators selected through a strike-and-rank process. If there are fewer than 50 Disputes, all will be filed as cases in arbitration. In the meantime, no other Disputes may be filed or proceed in arbitration as cases, and JAMS will not assess or demand payment of fees for the remaining Disputes or cases, nor will JAMS administer them. The number of Disputes to be selected to proceed as filed cases in Stage One may be increased by agreement of counsel. If a case is withdrawn before the issuance of an arbitration award, another claim shall be selected to proceed as part of Stage One. The arbitrators are encouraged to resolve the cases within 120 days of appointment or as swiftly as possible thereafter, consistent with fairness to the parties.After Stage One is completed, counsel for the parties shall engage in a global mediation and attempt to resolve all remaining Disputes, and PayPal will pay the mediator's fee and consider in good faith the results of the Stage One Disputes when engaging in mediation.Stage Two: If the parties cannot agree how to resolve the remaining cases after mediation, they will repeat the process of selecting and filing 50 cases to be resolved individually by different arbitrators selected through a strike-and-rank process, followed by another global mediation consistent with the approach set forth above. in which PayPal will pay the mediator's fee.If your Dispute is not resolved as part of the process set forth above:Option One: You and PayPal may, separately or by agreement, opt out of arbitration and elect to have your Dispute heard in a court of competent jurisdiction consistent with the user agreement (including the remainder of the Dispute Resolution section). You may opt out of arbitration of this Dispute by sending us a written notice, with your original handwritten signature, that includes a clear statement that you wish to opt out of the arbitration of this Dispute within 30 days after the conclusion of the second mediation. PayPal may opt your Dispute out of arbitration by sending a notice of its intention to opt out to your counsel within 14 days after the expiration of your 30-day opt-out period. Counsel for the parties may agree to adjust these deadlines.Option Two: If neither you nor PayPal elect to have your Dispute heard in court consistent with Option One, then you agree that your Dispute will be resolved as part of continuing, staged individual arbitration proceedings as set forth above, with four differences. First, a total of 100 cases may be filed in each stage. Second, the cases will be randomly selected. Third, arbitrators who decided cases in the first two stages may be appointed in later stages if different arbitrators are not available. Fourth, mediation is optional at the election of counsel for the parties.You and PayPal agree that the parties (and counsel, if represented) will work together in good faith to implement the staged process set forth in this provision. Between stages, counsel will meet and confer regarding ways to improve the efficiency of the staged proceedings, including whether to increase or decrease the number of cases in any stage or to address issues with a JAMS Process Administrator.A court of competent jurisdiction shall have the authority to enforce this provision, including by enjoining the mass filing, the prosecution or administration of arbitrations, and the assessment or collection of JAMS fees. The Additional Procedures for Mass Arbitration provision and each of its requirements are essential parts of this Arbitration Agreement. If, after exhaustion of all appeals, a court of competent jurisdiction decides that the Additional Procedures for Mass Arbitration apply to your Dispute and are not enforceable, then your Dispute shall not proceed in arbitration and shall only proceed in a court of competent jurisdiction consistent with the remainder of the user agreement (including the remainder of the Dispute Resolution section).</td></tr><tr><td>Opt-Out Procedure</td><td>You can choose to opt-out of the Arbitration Agreement by following the <a href="https://www.paypal.com/us/legalhub/paypal/pp-optout" pa-marked="1" target="_blank">Opt-Out Procedure</a> and sending us a written notice postmarked no later than 30 days after the date you accept the user agreement for the first time. You must mail the opt-out notice to PayPal, Inc., Attn: Litigation Department, Re: PayPal Opt-Out Notice, 2211 North First Street, San Jose, CA 95131. For your convenience, we are providing an <a href="https://www.paypal.com/us/legalhub/paypal/pp-optout" pa-marked="1" target="_blank">opt-out notice</a> form you must complete and mail to opt-out of this Arbitration Agreement. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Arbitration Agreement. If you opt out of arbitration, all other parts of the user agreement (including the other provisions of the Dispute Resolution section, such as the class action waiver and jury trial waiver) will continue to apply. Opting out of this Arbitration Agreement has no effect on any previous, other, or future arbitration agreements that you may have with us.</td></tr><tr><td>Superseding Arbitration Agreement</td><td>You agree that any filed or pending arbitrations between you and PayPal will be subject to this Arbitration Agreement and not to any prior Agreement to Arbitrate you had with PayPal. You further agree that notwithstanding any provision in any prior Agreement to Arbitrate to the contrary, this Arbitration Agreement replaces and supersedes any prior Agreement to Arbitrate you had with PayPal and will govern and apply to all Disputes, including all Disputes that arose before the effective date of this Arbitration Agreement. If you do not wish to have this Arbitration Agreement apply to you and your Disputes, then you must close your PayPal account prior to the effective date. If you close your PayPal account prior to the effective date of this Arbitration Agreement, then any prior Agreement to Arbitrate between you and PayPal will apply to Disputes.</td></tr></tbody></table>

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### **Class Action Waiver and Jury Trial Waiver**

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TO THE EXTENT PERMITTED BY LAW, YOU AND PAYPAL AGREE THAT, WHETHER IN COURT OR ARBITRATION, EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY. NEITHER PARTY MAY PARTICIPATE AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. THIS MEANS THAT YOU AND PAYPAL MAY NOT BRING A CLAIM ON BEHALF OF A CLASS OR GROUP AND MAY NOT BRING A CLAIM ON BEHALF OF ANOTHER PERSON. YOU AND WE AGREE TO WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN SUCH AN ACTION IN ARBITRATION OR IN COURT. NOTWITHSTANDING THE FOREGOING, THE PARTIES RETAIN THE RIGHT TO PARTICIPATE IN A CLASS-WIDE OR MASS SETTLEMENT OF CLAIMS.

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TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND PAYPAL WAIVE THE RIGHT TO A JURY TRIAL.

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## Intellectual Property

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### **PayPal's trademarks**

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"PayPal.com," "PayPal," and all logos related to the PayPal services are either trademarks or registered trademarks of PayPal or PayPal's licensors. You may not copy, imitate, modify or use them without PayPal's prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by PayPal for the purpose of directing web traffic to the PayPal services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes PayPal or the PayPal services or display them in any manner that implies PayPal's sponsorship or endorsement. All right, title and interest in and to the PayPal websites, any content thereon, the PayPal services, the technology related to the PayPal services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of PayPal and its licensors.

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 PAYPAL USER AGREEMENT
+Last updated on September 1, 2026
+Last updated on September 14, 2026
 ## About Your Account
 ### Welcome to PayPal!
 This user agreement is a contract between you and PayPal, Inc. governing your use of your PayPal account and the PayPal services. It applies to U.S. PayPal accounts only. If you are an individual, you must be a resident of the United States or one of its territories and at least 18 years old, or the age of majority in your state of residence to open a U.S. PayPal account and use the PayPal services. If you are a business, the business must be organized in, operating in, or a resident of, the United States or one of its territories to open a U.S. PayPal account and use the PayPal services.
+By opening and using a PayPal account, you agree to comply with all of the terms and conditions of this user agreement, including the [**Fee pages**](https://www.paypal.com/us/webapps/mpp/merchant-fees), and any upcoming changes described on the [**Policy Updates**](https://www.paypal.com/us/webapps/mpp/ua/upcoming-policies-full) page at the time you accept this user agreement (which changes will apply to you on the indicated effective dates). These terms include an [**agreement to resolve disputes by arbitration**]() on an individual basis. You also agree to comply with each of the other terms or agreements on the [**Legal Agreements**](https://www.paypal.com/us/webapps/mpp/ua/legalhub-full) page that apply to you and the following additional policies:
+By opening and using a PayPal account, you agree to comply with all of the terms and conditions of this user agreement, including the [**Fee pages**](https://www.paypal.com/us/webapps/mpp/merchant-fees), and any upcoming changes described on the [**Policy Updates**](https://www.paypal.com/us/webapps/mpp/ua/upcoming-policies-full) page at the time you accept this user agreement (which changes will apply to you on the indicated effective dates). These terms include an [**agreement to resolve most disputes by arbitration**]() on an individual basis, a class action waiver, and a jury trial waiver. In arbitration, there is less discovery and appellate review than in court. You also acknowledge and agree to comply with each of the other terms or agreements on the [**Legal Agreements**](https://www.paypal.com/us/webapps/mpp/ua/legalhub-full) page that apply to you and the following additional policies:
 - [**Acceptable Use Policy**](https://www.paypal.com/us/webapps/mpp/ua/acceptableuse-full)
 - [**Electronic Communications Delivery Policy (E-Sign Disclosure and Consent)**](https://www.paypal.com/us/webapps/mpp/ua/esign-full)
 Please read carefully all of the terms and conditions of this user agreement, the terms of the above policies, and each of the other terms and agreements that apply to you.
 PayPal does not have any control over the products or services provided by sellers who accept PayPal as a payment method, and PayPal cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction or is authorized to do so. PayPal does not guarantee continuous, uninterrupted or secure access to any part of the PayPal services, and operation of our websites, software, or systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf may be interfered with by numerous factors outside of our control. PayPal will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, debit cards, credit cards, and check issuances are processed in a timely manner but PayPal makes no representations or warranties regarding the amount of time needed to complete processing because the PayPal services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you.
 ### **Release of PayPal**
 If you have a dispute with any other PayPal account holder, you release PayPal from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. In entering into this release you expressly waive any protections (whether statutory or otherwise, for example, California Civil Code § 1542) that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favor at the time of agreeing to this release.
+## Agreement to Arbitrate
+## Dispute Resolution (Including Arbitration Agreement, Class Action Waiver, and Jury Trial Waiver)
+You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise between you and us will be resolved in accordance with the Agreement to Arbitrate provisions set forth below. Please read this information carefully. Among other things it:
+Please read this Dispute Resolution section carefully. It affects your legal rights. Among other things it:
+- Affects your and our rights and will impact how claims between you and us are resolved, including your and our agreement to waive the right to trial by jury.
+- Includes a [**Prohibition of Class and Representative Actions and Non-Individualized Relief**]() pursuant to which you agree to waive your right to participate in a class action lawsuit against us.
+- Requires you to follow the [**Opt-Out Procedure**]() to opt-out of the Agreement to Arbitrate by mailing us a written notice that must be postmarked no later than 30 days after the date you accept this user agreement for the first time.
+- Impacts how claims between you and us are resolved, including your and our agreement to resolve most disputes through individual arbitration ("Arbitration Agreement") and to waive the right to trial by jury.
+- Includes a class action waiver pursuant to which you and we agree to waive the right to bring or to participate in a class action lawsuit or to seek representative relief in arbitration or in court.
+- Requires you and us to attempt to informally resolve claims before commencing arbitration or initiating an action in small claims court.
+- Allows you to opt-out of the Arbitration Agreement by following the [**Opt-Out Procedure**]() and sending us a written notice postmarked no later than 30 days after the date you accept the user agreement for the first time.
+If a dispute arises between you and PayPal, our goal is to learn about and address your concerns. If we are unable to do so to your satisfaction, we aim to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and PayPal regarding the PayPal services may be reported to customer service online through the [**PayPal Help Center**](https://www.paypal.com/selfhelp/home) at any time, or by calling (888) 221-1161 from Mon-Fri 5:00 AM to 10:00 PM PT and Sat-Sun 6:00 AM to 8:00 PM PT.
+In this Dispute Resolution section, we use the term "PayPal" to refer to PayPal, Inc., our parent PayPal Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers, and suppliers. Our affiliates include each entity that we control, we are controlled by, or we are under common control with.
+<table><tbody><tr><td colspan="2">Agreement to Arbitrate</td></tr><tr><td><p><strong><em>Our Agreement</em></strong></p></td><td><p>You and PayPal each agree that any and all disputes or claims that have arisen or may arise between you and PayPal, including without limitation federal and state statutory claims, common law claims, and those based in contract, tort, fraud, misrepresentation or any other legal theory, shall be resolved exclusively through final and binding arbitration or in small claims court. You or PayPal may assert claims in small claims court instead of in arbitration if the claims qualify and so long as the matter remains in small claims court and advances only on an individual (non-class, non-representative) basis. This Agreement to Arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.</p></td></tr><tr><td><p><strong><em>Notices of Disputes</em></strong></p></td><td><p>Before bringing any dispute or claim, you or PayPal must first send the other party, by certified mail, a completed&nbsp;<a href="https://www.paypal.com/legalhub/pp-notice-dispute" pa-marked="1"><strong>Notice of Dispute</strong></a>. You should send this notice to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including but not limited to: your or PayPal's signature, the email address and phone number associated with the customer's PayPal account, a description of the nature and basis of the claims that are being asserted, a statement of the specific relief sought, and any&nbsp;relevant documents and supporting information reasonably available to the claiming party.</p><p>If you and PayPal are unable to resolve the claims described in the notice within 45 days after the notice is received by you or PayPal, you or PayPal may commence an arbitration proceeding or suit in small claims court. A form for initiating arbitration proceedings is available on the American Arbitration Association's website at<span>&nbsp;</span><a href="http://www.adr.org/" pa-marked="1" target="_blank"><strong>www.adr.org</strong></a>. The Notice of Dispute requirements are essential in order to give the parties a meaningful chance to resolve disputes informally.</p></td></tr><tr><td><p><strong><em>Prohibition of Class and Representative Actions and Non-Individualized Relief</em></strong></p></td><td><p>You and PayPal agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and PayPal agree otherwise, the arbitrator(s) may not consolidate or join more than one person's or party's claims and may not otherwise preside over any form of a consolidated, representative or class proceeding. Also, the arbitrator(s) may award relief (including monetary, injunctive and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim(s). Any relief awarded cannot affect other PayPal customers.</p></td></tr><tr><td><p><strong><em>Arbitration Procedures</em></strong></p></td><td><p>Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator or arbitrators instead of a judge or jury, and court review of an arbitration award is very limited. However, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. All issues are for the arbitrator to decide, except that a court of competent jurisdiction shall decide issues relating to arbitrability, the scope or enforceability of this Agreement to Arbitrate and issues that this Agreement to Arbitrate indicates that a court can resolve.</p><p>Any arbitration will be administered by the American Arbitration Association (referred to as the "AAA"). For all claims in which the value of the relief sought is $10,000 U.S. dollars or less, the AAA's Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply without exception. For all other claims, the AAA's rules, including, as applicable, the AAA's Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. The AAA's rules are available at www.adr.org. In the event that the AAA is unavailable to administer the arbitration, another administrator will be selected by the parties or by the court.</p><p>Any arbitration hearings shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $25,000 or less, the arbitration will be conducted based solely on written submissions, unless any party requests an in-person, telephonic, or videoconference hearing or the arbitrator decides that a hearing is necessary. In cases where an in-person hearing is held, you and/or PayPal may attend by telephone or videoconference, unless the arbitrator requires otherwise.</p><p>The arbitrator will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. No court or arbitrator shall be bound by rulings in prior arbitrations involving different PayPal customers, but a court or arbitrator will be bound by rulings in prior arbitrations involving the same PayPal customer to the extent required by applicable law. The award of the arbitrator shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.</p></td></tr><tr><td><p><strong><em>Costs of Arbitration</em></strong></p></td><td><p>Payment of all AAA or arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, PayPal will pay all AAA or arbitrator fees associated with the arbitration. Any request for payment of fees by PayPal should be submitted by mail to the AAA along with your Demand for Arbitration and PayPal will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of accessing arbitration will be prohibitive as compared to the costs of accessing a court for purposes of pursuing litigation on an individual basis, PayPal will pay as much of the AAA or arbitrator fees as the arbitrator deems necessary to prevent the cost of accessing the arbitration from being prohibitive. In the event the arbitrator determines that either the substance of your or PayPal's claim or the relief sought was frivolous or brought for an improper purpose, then you or PayPal may seek to recover from you or PayPal any fees it paid, including attorneys' fees, to the extent permitted by the AAA's rules and applicable law.</p></td></tr><tr><td><p><strong><em>Severability</em></strong></p></td><td><p>With the exception of any of the provisions in the<span>&nbsp;</span><a href="#table-agreement-arbitrate-prohibition" pa-marked="1"><strong>Prohibition of Class and Representative Actions and Non-Individualized Relief</strong></a><span>&nbsp;</span>section above, if a court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If a court decides that any of the provisions in the<span>&nbsp;</span><a href="#table-agreement-arbitrate-prohibition" pa-marked="1"><strong>Prohibition of Class and Representative Actions and Non-Individualized Relief</strong></a><span>&nbsp;</span>section above is invalid or unenforceable because it would prevent the exercise of a non-waivable right to pursue public injunctive relief, then any dispute regarding the entitlement to such relief (and only that relief) must be severed from arbitration and may be litigated in court. All other disputes subject to arbitration under the terms of the Agreement to Arbitrate shall be arbitrated under its terms.</p></td></tr><tr><td><p><strong><em>Opt-Out Procedure</em></strong></p></td><td><p>If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice. The opt-out notice must be postmarked no later than 30 days after the date you accept this user agreement for the first time. You must mail the opt-out notice to PayPal, Inc., Attn: Litigation Department, 2211 North First Street, San Jose, CA 95131.</p><p>For your convenience, we are providing an<span>&nbsp;</span><a href="https://www.paypal.com/us/legalhub/paypal/pp-optout" pa-marked="1" target="_blank"><strong>opt-out notice</strong></a><span>&nbsp;</span>form you must complete and mail to opt out of this Agreement to Arbitrate. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of this Agreement to Arbitrate, all other parts of the user agreement will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.</p></td></tr><tr><td><p><strong><em>Future Amendments to this Agreement to Arbitrate</em></strong></p></td><td><p>Notwithstanding any provision in the user agreement to the contrary, you and we agree that if we make any amendment to this Agreement to Arbitrate (other than an amendment to any notice address or website link provided herein) in the future, that amendment shall not apply to any claim that was filed in a legal proceeding against PayPal or you prior to the effective date of the amendment. The amendment shall apply to all other disputes or claims governed by this Agreement to Arbitrate that have arisen or may arise between you and PayPal. We will notify you of amendments to this Agreement to Arbitrate by posting the amended terms on www.paypal.com at least 30 days before the effective date of the amendments and by providing notice through email. If you do not agree to these amended terms, you may close your PayPal account within the 30-day period and you will not be bound by the amended terms.</p></td></tr></tbody></table>
+If a dispute arises between you and PayPal, our goal is to learn about and address your concerns. Disputes between you and PayPal regarding the PayPal services may be reported to customer service online through the [**PayPal Help Center**](https://www.paypal.com/selfhelp/home) at any time, or by calling (888) 221-1161 from Mon-Fri 5:00 AM to 10:00 PM PT and Sat-Sun 6:00 AM to 8:00 PM PT. If we are unable to address your concerns to your satisfaction, we aim to provide you with a neutral and cost-effective means of resolving the dispute quickly.
+<table><tbody><tr><td colspan="2">Arbitration Agreement</td></tr><tr><td><p><strong><em>Binding Individual Arbitration</em></strong></p></td><td><p>You and PayPal each agree that any and all disputes or claims arising out of or relating to the user agreement, the PayPal services, your PayPal account, or your relationship with PayPal, whether based in contract, tort, fraud, misrepresentation, or any other legal theory ("Dispute"), shall be resolved through final and binding arbitration, except that you or we may elect to have a Dispute heard in small claims court, so long as it proceeds individually and is not removed or appealed to a court of general jurisdiction. Whether a Dispute falls within the jurisdictional limits of small claims court is for the appropriate small claims court to decide in the first instance, and for a court of competent jurisdiction to otherwise decide. Notwithstanding the foregoing, Disputes arising from the violation or threatened violation of copyrights, trademarks, patents, or trade secrets will not be subject to arbitration or the "Mandatory Informal Dispute Resolution Process." Dispute shall be interpreted broadly to the extent permitted under the Federal Arbitration Act ("FAA"), and shall include, but not be limited to any dispute or claim that: (1) arose before the existence of this or any prior user agreement and (2) may arise after termination of the user agreement. The arbitrator shall decide all issues except the following, which are for a court of competent jurisdiction to decide: (1) issues reserved for a court in the user agreement; (2) issues related to the scope, validity, and enforceability of the Arbitration Agreement, class action waiver, jury trial waiver, or any provisions of the Dispute Resolution section; (3) issues related to arbitrability; and (4) issues related to whether this or a different version of the user agreement applies to the Dispute. You and we agree that the user agreement is a transaction in interstate commerce and that this Arbitration Agreement will be interpreted and enforced in accordance with the substantive and procedural provisions of the FAA and federal arbitration law (not state arbitration law).</p></td></tr><tr><td><p><strong><em>Mandatory Informal Dispute Resolution Process</em></strong></p></td><td><p>Before initiating arbitration or commencing a matter in small claims court, you or PayPal must first send the other party, by certified mail, a completed&nbsp;<a href="https://internal.paypalinc.com/us/legalhub/paypal/pp-notice-dispute" pa-marked="1"><strong>Notice of Dispute</strong></a> form. You should send this Notice of Dispute to PayPal at: PayPal, Inc., Attn: Legal Specialists, Re: Notice of Dispute, P.O. Box 45950, Omaha, NE 68145-0950. PayPal will send any Notice of Dispute to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the form including but not limited to: your original handwritten signature or, for PayPal, the original handwritten signature of an authorized representative (and your or our counsel's original handwritten signature, if represented); the email address and phone number associated with the customer's PayPal account, a detailed description of the nature and basis of the claims that are being asserted; a statement of the specific relief sought with a good faith calculation for it; and any relevant documents and supporting information reasonably available to the claiming party. To safeguard your personal information, if you have retained an attorney to submit your Notice of Dispute, you also must provide written authorization, with your original handwritten signature, allowing us to discuss the Dispute and your account and to share your account records with your attorney. We also may ask for verification of your identity and the fact that you authorized submission of the Notice of Dispute or disclosure of account information to your attorney. You agree to cooperate promptly with any reasonable request for verification.</p><p>For a period of 60 days after receipt of a complete Notice of Dispute, you and PayPal agree to negotiate in good faith in an effort to informally resolve the Dispute. The party receiving the Notice of Dispute may request a telephone or video settlement conference to aid in the resolution of the Dispute. If a conference is requested, you and a PayPal representative will personally attend (with counsel, if represented). The conference will be scheduled for a mutually convenient time, which may be outside of the 60-day period. Completion of this Informal Dispute Resolution Process ("Process") is a condition precedent to initiating arbitration.</p><p>If the sufficiency of a Notice of Dispute or compliance with this Process is at issue, such issue may be decided by a court of competent jurisdiction, and any arbitration shall be stayed. The court shall have the authority to enforce this condition precedent, which includes the power to enjoin the filing or prosecution of the arbitration and the assessment or collection of fees. During any such court proceeding, the arbitration will be automatically stayed. Nothing in this paragraph limits the right of a party to seek relief (including damages) for non-compliance in arbitration. All applicable limitations periods (including statutes of limitation) shall be tolled from the date of receipt of a Notice of Dispute through the conclusion of this Process or the date on which the party providing the Notice of Dispute withdraws or abandons the Dispute.</p></td></tr><tr><td><p><strong><em>Arbitration Procedures</em></strong></p></td><td><p>The arbitration shall be administered by JAMS in accordance with the then-current JAMS rules, including the JAMS Streamlined Arbitration Rules &amp; Procedures and any Mass Arbitration Procedures and Guidelines applicable to the Dispute (collectively, "JAMS Rules"), as modified by this Arbitration Agreement. If JAMS is unable or unwilling to administer the arbitration consistent with this Arbitration Agreement, and the parties cannot agree on an alternative provider that will do so, then you or we may petition a court of competent jurisdiction to appoint one that will do so. The JAMS Rules are available at <a href="https://www.jamsadr.com/" pa-marked="1" target="_blank">www.jamsadr.com</a>. An arbitration demand must be accompanied by a copy of the Notice of Dispute and a certification of compliance with the Process, and include the original handwritten signature of the party initiating arbitration (and counsel, if represented). If you are submitting the arbitration demand, you shall send it to PayPal by certified mail at: PayPal, Inc., Attn: Legal Specialists, Re: Arbitration Demand, P.O. Box 45950, Omaha, NE 68145-0950 and follow the JAMS Rules for initiating arbitration. If we are submitting the arbitration demand, we shall send any notice to you to the address we have on file associated with your PayPal account and follow the JAMS Rules for initiating arbitration. By submitting an arbitration demand, the party and any counsel represent that, as in federal court, they are complying with the requirements of Federal Rule of Civil Procedure 11(b). The arbitrator is authorized to impose any sanctions available under Federal Rule of Civil Procedure 11 and the JAMS Rules on represented parties and their counsel.</p><p>The parties shall select a single, neutral arbitrator through a strike-and-rank process. The arbitration will be conducted based solely on written submissions, unless either party requests an in-person, telephonic, or videoconference hearing and the arbitrator decides that such a hearing is warranted. If an in-person arbitration hearing has been requested and deemed warranted by the arbitrator, it shall be held within 50 miles of the county or parish in which you reside or at another mutually agreed location. You and a PayPal representative will personally appear at any hearing (with counsel, if represented).</p><p>The arbitrator may award on an individual basis any relief that would be available in court, including injunctive or declaratory relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. You and PayPal agree that each may bring claims against the other only in your or our individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative proceeding. Further, unless you and PayPal agree otherwise, an arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of class, collective, consolidated, private attorney general, or representative proceeding. If, after exhaustion of all appeals, any of these prohibitions on non-individualized injunctive or declaratory relief and class, collective, consolidated, private attorney general, or representative proceedings are found to be unenforceable with respect to a particular claim or request for relief (such as a request for public injunctive relief), then such claim or request for relief will be decided by a court of competent jurisdiction, after all other claims and requests for relief are arbitrated.</p><p>Both parties have the right to file dispositive motions prior to any hearing. The arbitrator shall follow and enforce the user agreement as a court would. The arbitrator will decide the substance of all claims in accordance with applicable law, including recognized principles of equity, and will honor all claims of privilege recognized by law. Any exchange of information ordered by the arbitrator shall be proportional to the needs of the case, take into account the amount in controversy and burdens to the parties, and be designed to be efficient and cost-effective, while ensuring a fundamentally fair process for both parties. Any submission containing AI-generated content must include a certification by the party (or counsel, if the party is represented) that they have personally verified the content's accuracy.</p><p>The arbitrator shall issue a reasoned written decision sufficient to explain essential findings and conclusions. The arbitrator shall apply the cost-shifting provisions of Federal Rule of Civil Procedure 68 after entry of an award. An award shall have no preclusive effect in any other arbitration or proceeding involving non-identical parties.</p></td></tr><tr><td><p><strong><em>Costs of Arbitration</em></strong></p></td><td><p>Payment of arbitration fees will be governed by the JAMS Rules and fee schedule. You and PayPal agree that the parties have a shared interest in reducing the costs and increasing the efficiencies associated with arbitration. Therefore, you or PayPal may elect to engage with JAMS regarding the reduction or deferral of arbitration fees, and you and we agree that the parties (and counsel, if represented) will work together in good faith to ensure that arbitration remains cost-effective for all parties.</p></td></tr><tr><td><p><strong><em>Additional Procedures for Mass Arbitration</em></strong></p></td><td><p>You and PayPal agree that these Additional Procedures for Mass Arbitration (in addition to the other provisions of this Arbitration Agreement) will apply if you choose to participate in a Mass Arbitration, as defined herein. If 25 or more similar Disputes (including yours) are asserted against PayPal by the same or coordinated counsel or are otherwise coordinated ("Mass Arbitration"), you understand and agree that the resolution of your Dispute might be delayed and ultimately proceed in court. The parties agree that as part of these procedures, their counsel shall meet and confer in good faith in an effort to resolve the Disputes, streamline procedures, address the exchange of information, modify the number of Disputes to be adjudicated and conserve the parties' and JAMS's resources. If your claim is part of a Mass Arbitration, any applicable limitations periods (including statutes of limitations) shall be tolled for your Dispute from the time that your Dispute is first submitted to JAMS until your Dispute is selected to proceed as part of the staged process set forth below or is settled, withdrawn, otherwise resolved, or opted out of arbitration pursuant to this provision.</p><p>Stage One: In the first stage, if there are 50 Disputes or more, claimants' counsel and PayPal will each select 25 Disputes to be filed as cases (50 cases total) in arbitration and resolved individually by different arbitrators selected through a strike-and-rank process. If there are fewer than 50 Disputes, all will be filed as cases in arbitration. In the meantime, no other Disputes may be filed or proceed in arbitration as cases, and JAMS will not assess or demand payment of fees for the remaining Disputes or cases, nor will JAMS administer them. The number of Disputes to be selected to proceed as filed cases in Stage One may be increased by agreement of counsel. If a case is withdrawn before the issuance of an arbitration award, another claim shall be selected to proceed as part of Stage One. The arbitrators are encouraged to resolve the cases within 120 days of appointment or as swiftly as possible thereafter, consistent with fairness to the parties.</p><p>After Stage One is completed, counsel for the parties shall engage in a global mediation and attempt to resolve all remaining Disputes, and PayPal will pay the mediator's fee and consider in good faith the results of the Stage One Disputes when engaging in mediation.</p><p>Stage Two: If the parties cannot agree how to resolve the remaining cases after mediation, they will repeat the process of selecting and filing 50 cases to be resolved individually by different arbitrators selected through a strike-and-rank process, followed by another global mediation consistent with the approach set forth above. in which PayPal will pay the mediator's fee.</p><p>If your Dispute is not resolved as part of the process set forth above:</p><p>Option One: You and PayPal may, separately or by agreement, opt out of arbitration and elect to have your Dispute heard in a court of competent jurisdiction consistent with the user agreement (including the remainder of the Dispute Resolution section). You may opt out of arbitration of this Dispute by sending us a written notice, with your original handwritten signature, that includes a clear statement that you wish to opt out of the arbitration of this Dispute within 30 days after the conclusion of the second mediation. PayPal may opt your Dispute out of arbitration by sending a notice of its intention to opt out to your counsel within 14 days after the expiration of your 30-day opt-out period. Counsel for the parties may agree to adjust these deadlines.</p><p>Option Two: If neither you nor PayPal elect to have your Dispute heard in court consistent with Option One, then you agree that your Dispute will be resolved as part of continuing, staged individual arbitration proceedings as set forth above, with four differences. First, a total of 100 cases may be filed in each stage. Second, the cases will be randomly selected. Third, arbitrators who decided cases in the first two stages may be appointed in later stages if different arbitrators are not available. Fourth, mediation is optional at the election of counsel for the parties.</p><p>You and PayPal agree that the parties (and counsel, if represented) will work together in good faith to implement the staged process set forth in this provision. Between stages, counsel will meet and confer regarding ways to improve the efficiency of the staged proceedings, including whether to increase or decrease the number of cases in any stage or to address issues with a JAMS Process Administrator.</p><p>A court of competent jurisdiction shall have the authority to enforce this provision, including by enjoining the mass filing, the prosecution or administration of arbitrations, and the assessment or collection of JAMS fees. The Additional Procedures for Mass Arbitration provision and each of its requirements are essential parts of this Arbitration Agreement. If, after exhaustion of all appeals, a court of competent jurisdiction decides that the Additional Procedures for Mass Arbitration apply to your Dispute and are not enforceable, then your Dispute shall not proceed in arbitration and shall only proceed in a court of competent jurisdiction consistent with the remainder of the user agreement (including the remainder of the Dispute Resolution section).</p></td></tr><tr><td><p id="opt-out-procedure"><strong><em>Opt-Out Procedure</em></strong></p></td><td><p>You can choose to opt-out of the Arbitration Agreement by following the <a href="https://www.paypal.com/us/legalhub/paypal/pp-optout" pa-marked="1" target="_blank"><strong>Opt-Out Procedure</strong></a> and sending us a written notice postmarked no later than 30 days after the date you accept the user agreement for the first time. You must mail the opt-out notice to PayPal, Inc., Attn: Litigation Department, Re: PayPal Opt-Out Notice, 2211 North First Street, San Jose, CA 95131. For your convenience, we are providing an<span>&nbsp;</span><a href="https://www.paypal.com/us/legalhub/paypal/pp-optout" pa-marked="1" target="_blank"><strong>opt-out notice</strong></a><span>&nbsp;</span>form you must complete and mail to opt-out of this Arbitration Agreement. You must complete this form by providing all the information it calls for, including your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the opt-out notice for it to be effective. This procedure is the only way you can opt out of the Arbitration Agreement. If you opt out of arbitration, all other parts of the user agreement (including the other provisions of the Dispute Resolution section, such as the class action waiver and jury trial waiver) will continue to apply. Opting out of this Arbitration Agreement has no effect on any previous, other, or future arbitration agreements that you may have with us.</p></td></tr><tr><td><p><strong><em>Superseding Arbitration Agreement</em></strong></p></td><td><p>You agree that any filed or pending arbitrations between you and PayPal will be subject to this Arbitration Agreement and not to any prior Agreement to Arbitrate you had with PayPal. You further agree that notwithstanding any provision in any prior Agreement to Arbitrate to the contrary, this Arbitration Agreement replaces and supersedes any prior Agreement to Arbitrate you had with PayPal and will govern and apply to all Disputes, including all Disputes that arose before the effective date of this Arbitration Agreement. If you do not wish to have this Arbitration Agreement apply to you and your Disputes, then you must close your PayPal account prior to the effective date. If you close your PayPal account prior to the effective date of this Arbitration Agreement, then any prior Agreement to Arbitrate between you and PayPal will apply to Disputes.</p></td></tr></tbody></table>
+### **Class Action Waiver and Jury Trial Waiver**
+TO THE EXTENT PERMITTED BY LAW, YOU AND PAYPAL AGREE THAT, WHETHER IN COURT OR ARBITRATION, EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY. NEITHER PARTY MAY PARTICIPATE AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. THIS MEANS THAT YOU AND PAYPAL MAY NOT BRING A CLAIM ON BEHALF OF A CLASS OR GROUP AND MAY NOT BRING A CLAIM ON BEHALF OF ANOTHER PERSON. YOU AND WE AGREE TO WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN SUCH AN ACTION IN ARBITRATION OR IN COURT. NOTWITHSTANDING THE FOREGOING, THE PARTIES RETAIN THE RIGHT TO PARTICIPATE IN A CLASS-WIDE OR MASS SETTLEMENT OF CLAIMS.
+TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND PAYPAL WAIVE THE RIGHT TO A JURY TRIAL.
 ## Intellectual Property
 ### **PayPal's trademarks**
 "PayPal.com," "PayPal," and all logos related to the PayPal services are either trademarks or registered trademarks of PayPal or PayPal's licensors. You may not copy, imitate, modify or use them without PayPal's prior written consent. In addition, all page headers, custom graphics, button icons, and scripts are service marks, trademarks, and/or trade dress of PayPal. You may not copy, imitate, modify or use them without our prior written consent. You may use HTML logos provided by PayPal for the purpose of directing web traffic to the PayPal services. You may not alter, modify or change these HTML logos in any way, use them in a manner that mischaracterizes PayPal or the PayPal services or display them in any manner that implies PayPal's sponsorship or endorsement. All right, title and interest in and to the PayPal websites, any content thereon, the PayPal services, the technology related to the PayPal services, and any and all technology and any content created or derived from any of the foregoing is the exclusive property of PayPal and its licensors.
 If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and send any funds in the PayPal account, including any balance in a linked Balance Account to your primary address (if we have verified the [**required identifying information**]() that you have provided to us) or, if required, escheat (send) those funds to your state of residency. PayPal will determine your state of residency based on the state listed in the primary address for your PayPal account. If your address is unknown or registered in a foreign country, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the State of Delaware. Where required, PayPal will send you a notice prior to escheating any funds in your PayPal account, including any balance in a linked Balance Account. If you fail to respond to this notice, the funds in your PayPal account, including any balance in a linked Balance Account will be escheated to the applicable state. If you would like to claim any escheated funds from the applicable state, please contact the applicable state's unclaimed property administrator.
 ### **Governing law**
 You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this user agreement, the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this user agreement and any claim or dispute that has arisen or may arise between you and PayPal.
+Unless you and PayPal agree otherwise, to the extent permitted by law, the state and federal courts in New York County, New York will have exclusive jurisdiction over any disputes (except for disputes brought in small claims court) that are not subject to arbitration or over any action involving the applicability or enforceability of the Arbitration Agreement or any of its parts. You and PayPal consent to the exclusive jurisdiction of those courts and waive any objections as to personal jurisdiction or as to the laying of venue in such courts due to inconvenient forum or any other basis or any right to seek to transfer or change venue of any such action to another court.
+### **Severability and Survival**
+Except as otherwise provided herein, if any provision of the user agreement shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this user agreement and shall not affect the validity and enforceability of any remaining provisions. In addition to such other provisions that, by their terms, survive any termination or expiration of this user agreement, the following sections shall survive termination of this user agreement: (1) Indemnification; (2) Limitation of Liability; (3) Dispute Resolution (including Arbitration Agreement; Class Action Waiver; Jury Trial Waiver); and (4) Governing Law and Venue.
+### **Waiver and Entire Agreement**
+The waiver of any provision of the user agreement shall not be considered a waiver of any other provision or of PayPal's right to require strict observance of each of the terms herein. This user agreement constitutes the entire agreement between you and PayPal relating to use of your PayPal account and the PayPal services.
 ### **Identity authentication**
 You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity. This may include:
 - asking you for further information, such as your date of birth, a taxpayer identification number, your physical address and other information that will allow us to reasonably identify you;
 - requiring you to take steps to confirm ownership of your email address or financial instruments;