Stripe’s updated Privacy Policy will be effective as of January 24, 2023

We’re updating our Privacy Policy to clearly explain how we collect and use data as we work to improve the Stripe experience. 

Here’s a summary of key changes:

• We added more clarity about how our services use Personal Data.
• We clarified how we will use Personal Data for Stripe’s own marketing purposes to Visitors, End Users and Representatives.  
• We updated the information on our legal bases for cross-border data transfers, including those between the EEA and US.
• We added more information about privacy rights that exist in some countries where Stripe offers services.

These are just a few highlights of the changes we made, so please read the updated Privacy Policy below carefully. If you have questions, please check out the rest of our Privacy Center and/or contact us.

Welcome

We provide financial infrastructure for the internet. People use our services to enable their purchases and businesses of all sizes use our technology and services to accept payments, send payouts, and manage their businesses online. Stripe wants to be clear about our use of the Personal Data that is entrusted to us.

This Privacy Policy (“Policy”) describes the “Personal Data” that we collect about you, how we use it, how we share it, your rights and choices, and how you can contact us about our privacy practices. This Policy also outlines your data subject rights, including the right to object to some uses of your Personal Data by us. Please visit the Stripe Privacy Center for more information about our privacy practices.

“Stripe”, “we”, “our” or “us” means the Stripe entity responsible for the collection and use of Personal Data under this Privacy Policy. It differs depending on your jurisdiction. Learn More.

“Personal Data” means any information that relates to an identified or identifiable individual, and can include information that you provide to us and that we collect about you, such as when you engage with our Services (e.g. device information, IP address).

“Services” means the products and services that Stripe indicates are covered by this Policy, which may include Stripe-provided devices and apps. Our “Business Services” are Services provided by Stripe to entities (“Business Users”) who directly and indirectly provide us with “End Customer” Personal Data in connection with those Business Users’ own business and activities. Our “End User Services” are those Services which Stripe provides directly to people (rather than entities) for their own use. 

“Sites” means Stripe.com and the other websites, apps and online services that Stripe indicates are covered by this Policy. Collectively, we refer to Sites, Business Services and End User Services as “Services”.

Depending on the context, “you” means End Customer, End User, Representative or Visitor:

• When you directly use an End User Service for your personal use (such as when you sign up for Link, or make a payment to Stripe Climate in your personal capacity), we refer to you as an “End User.”
• When you do business with, or otherwise transact with, a Business User (e.g. when you buy a pair of shoes from a merchant that uses Stripe Checkout for payment processing) but are not directly doing business with Stripe, we refer to you as an “End Customer.”
• When you are acting on behalf of an existing or potential Business User (e.g. you are a founder of a company, administer an account for a merchant who is a Business User, or receive an employee credit card from a Business User using Stripe Issuing), we refer to you as a “Representative.”
• When you visit a Site without being logged into a Stripe account or otherwise communicate with Stripe, we refer to you as a “Visitor.” (e.g. you send Stripe a message asking for more information because you are considering being a user of our products).

Depending on the activity, Stripe acts as a “data controller” and/or “data processor (or service provider)”

1. Personal Data that we collect and how we use and share it

2. More ways we collect, use and share Personal Data

3. Legal bases for processing data

4. Your rights and choices

5. Security and retention

6. International data transfers

7. Updates and notifications

8. Jurisdiction-specific provisions

9. Contact us

1. Personal Data that we collect and how we use and share it

Our collection and use of Personal Data changes depending on whether you are acting as End User, End Customer, Representative or Visitor and our different Services.  For example, if you are the sole owner of a business (i.e., sole proprietorship), we may collect Personal Data to onboard your business, but you may also be an End Customer that purchased goods from another Business User that uses Stripe’s Services for payment processing and you may also be an End User who uses Link to make those purchases.  

“Transaction Data” as used in this Privacy Policy includes Personal Data, and may include the following: your name, email address, billing address, shipping address, payment method information (such as credit or debit card number, bank account information or payment card image selected by you), merchant and location, purchase amount, date of purchase, and in some cases, some information about what you have purchased and your phone number and past purchases.

1.1 End Users

We provide End User Services where we do not act as a service provider or processor to Businesses but instead provide the Services directly to you for your personal use (e.g. Link). We provide more information about our collection, use and sharing of Personal Data in our Privacy Center, including the legal bases which we rely on for using (processing) your Personal Data.

a. Personal Data that we collect about End Users

• Using Link or Connecting your Bank Account. Stripe offers you the opportunity to store your payment methods with Stripe so that you can conveniently use it across merchants who are our Business Users (“Link” was formerly known as “Remember Me”). When you opt in to Link, you agree to let us store your Personal Data such as your payment method so that you can more readily make purchases through Link with Business Users of our payment processing Business Services (e.g. name, contact information, payment method details (e.g. card number, cvc, and expiration date)). When you choose to pay with Link, we will also collect Transaction Data related to your transactions. Learn More.
  • If you choose to share bank account information (including for use in Link) with us, Stripe will periodically collect and process your account information (e.g. bank account owner information, account balances, account number and details, account transactions and, in some cases, credentials). With your separate permission, we will share this Personal Data with Business Users that you choose.  You can ask us to stop collecting and sharing this information.  Learn More.   
  • With your separate permission, we will share contact information (e.g. shipping address, billing address and phone number) with Business Users that you do business with. 
• Paying Stripe. If you are buying goods or services directly from Stripe, we receive Transaction Data. For example, when you make a payment to Stripe Climate, we will collect contact information, payment method information, and information about that transaction.
• Identity/Verification Services. We provide an identity verification service that automates comparing an identity document with your image (e.g., selfie).  You may choose to opt-in to allow us to store that verification for future use across other merchants and/or separately consent to letting us use your biometric data to improve our verification technology. You can also ask us to stop providing you these services.  Learn More. 
• More. Please see below for information about additional types of Personal Data that we may collect about End Users, including about your online activity and how you engage with our End User Services.  

b. How we use and share Personal Data of End Users

• Services. We use your Personal Data to provide the End User Service to you, including security, sanctions screening, delivery, support, personalization (e.g. language preferences and settings choices) and messages related to the End User Service (e.g. communicating Policy updates and information about our Services). For example, we will use Personal Data to assess whether your use of Link to make a payment with a merchant is authorized by you (and not a bad actor) and likely to be successfully authorized by the payment method you choose to use when you choose to make purchases with Link.
• Our Business Users. When you choose to connect your financial account with Stripe you may also choose to share account information with Business Users that you do business with. These Business Users will have their own privacy policies which describe how they use that information.
• Transactions. For payment transactions with Link, End User Personal Data is shared with others to enable or “process” the transaction. For example, when you choose to use a payment method for the transaction with Stripe or with Link (e.g. credit card, debit card, buy now pay later, or direct debit), the third party provider of your payment method will receive Transaction Data that includes your Personal Data. When you use Link, the merchant you choose to do business with will also receive Transaction Data that includes your Personal Data and, with your separate consent, your bank account information. Please review the privacy policies of your payment method and the merchants who you choose to learn more about their processing of your Personal Data.  
• Fraud Detection and Loss Prevention. We use your Personal Data collected across our Services (e.g. Stripe Radar) to detect fraud and prevent financial losses for you, us, and our Business Users and financial partners, including to detect unauthorized purchases. Learn More. We may provide Business Users and financial partners (including card issuers, payment methods and others involved in payment processing activities) that use our fraud Business Services with Personal Data about you (including your attempted transactions) so that they can assess the associated fraud or loss risk with a transaction. You can learn more about how we may use technology to assess the fraud risk associated with an attempted transaction and what information we share with Business Users here. 
• Advertising. We may use your Personal Data to assess your eligibility for, and offer you, other End User Services or promote existing End User Services. Where allowed by law (including with your opt-in consent where required), we use and share End User Personal Data with others so that we may market our End User Services to you, including through interest-based advertising. See our Cookie Policy.
  • We do not sell or share End User Personal Data with third parties for marketing or advertising their products without your separate consent.
• More. Please see below for information about additional ways in which we may use and share your Personal Data.  

1.2 End Customers

Stripe offers Business Services to our Business Users (e.g. payment processing through in-person or online checkout, or processing pay-outs for those Business Users). When we are acting as a Business User’s service provider (also known as a data processor), we will process Personal Data in accordance with the terms of our agreement with the Business User and the Business User’s lawful instructions (e.g. when we process a payment for a Business User because you bought a product from them) or they instruct us to send funds to you. 

Business Users are responsible for making sure that their End Customers’ privacy rights are respected, including ensuring appropriate disclosures about data collection and use that happens in connection with their products and services. If you are an End Customer, please refer to the privacy policy or notice of the Business User you choose to do business with for information regarding their privacy practices, choices and controls.  We provide more information about our collection, use and sharing of Personal Data in our Privacy Center, including the legal bases which we rely on for using (processing) your Personal Data.

a. Personal Data that we collect about End Customers

• Transaction Data. If you are an End Customer, when you make payments to, get refunds from, begin a purchase, make a donation or otherwise transact with a Business User that uses us to provide payment processing Business Services, we will receive Transaction Data. We may also receive your transaction history with the Business User. Learn More. Moreover, we may obtain information typed into a checkout form, even if you choose not to complete the form or purchase with the Business User. Learn More.
• Identity/Verification Information. Stripe provides a verification and fraud prevention Service that allows a Business User to verify Personal Data about you, such as your age (when purchasing age restricted goods) or your authorization to use a payment method. As part of these Services, you will be asked to share Personal Data with us for this purpose (e.g., your government ID, your image (selfie), and Personal Data you input or that is apparent from the physical payment method (e.g. credit card image)). To protect against fraud, we may compare this information with information about you we collect from Business Users, financial partners, business partners, identity verification services, publicly available sources, and other third party service providers and sources so that we can assess whether the person is likely to be you or a person purporting to be you. Learn More.
• More. Please see below for information about additional types of Personal Data that we may collect, including your online activity.

b. How we use and share Personal Data of End Customers

To provide our Business Services to our Business Users, we use Personal Data, and share Personal Data of a Business User’s End Customers with the Business User.  Where allowed, we also use End Customers’ Personal Data for Stripe’s own purposes to secure, improve and provide our Business Services and prevent fraud, loss and other harms as described below.

• Payments and Accounting. We use your Transaction Data to provide our Payments related Business Services to Business Users, including to process online payment transactions, to calculate applicable sales tax, to invoice and bill, and to help them calculate their revenue, pay their bills and perform accounting tasks. Learn More. We may also use Personal Data to provide and improve our Business Services.
  • For payment transactions, your Personal Data is shared with a number of parties in connection with your transaction. Because we act as a service provider or processor, we share Personal Data to enable the transaction. For example, when you choose to use a payment method for the transaction (e.g. credit card, debit card, buy now pay later, or direct debit), your payment method will receive the Transaction Data that includes your Personal Data. Please review your payment method’s privacy policy to learn more about how they use and share this information.
  • The merchant you choose to do business with will also receive Transaction Data that includes your Personal Data and the merchant may share that Personal Data with others. Please review your merchant’s privacy policy to learn more.
• Financial Services. Some of our Business Users use our Services in order to offer financial services to you, through Stripe or its financial partners. For example, they may provide a card product that enables you to purchase goods and services. These cards may carry the Stripe brand, bank partner brand and/or the brands of Business Users. In addition to any Transaction Data we may produce or receive when these cards are used for purchases, we will also receive and use your Personal Data in order to provide and manage these products. Please also see the privacy policies of the Business User and our bank partners, if applicable, associated with the financial service (whose brands may be shown on the card).
• Identity/Verification Services. We use Personal Data about your identity, including information provided by you and our service providers, to perform verification Services for Stripe or for the Business Users that you are doing business with, to reduce fraud and enhance security. If you provide a “selfie” along with an image of your identity document, we will use technology to compare and calculate whether they match and you can be verified. Learn More.
• Fraud Detection and Loss Prevention. We use your Personal Data collected across our Services (e.g. Stripe Radar) to detect and prevent losses for you, us, our Business Users and financial partners. We may provide Business Users (including card issuers, payment methods and others involved in payment processing activities) that use our fraud Business Services with Personal Data about you (including your attempted transactions) so that they can assess the fraud or loss risk associated with a transaction. You can learn more about how we may use technology to assess the fraud and loss risk associated with an attempted transaction and what information we may share with Business Users about such risks here and here.
• Our Business Users (their Authorized Third Parties). We share Personal Data of End Customers with their respective Business Users and with parties directly authorized by those Business Users to receive Personal Data. This includes sharing Personal Data of End Customers with Business Users when a Business User authorizes a third party application provider to access its Stripe account using Stripe Connect. For example, when the Business User uses Identity Services to verify an End Customer’s identity, Stripe shares with the Business User the information, documents or photos provided by the End Customer to verify their identity. The Business Users you choose to do business with may further share your Personal Data to third parties they authorize (e.g. other third party service providers). Please review their privacy policy to learn more.
• Advertising by Business Users. If you have begun a purchase, we share Personal Data with that Business User in connection with our provision of Services and that Business User may use your Personal Data to market and advertise their products or services, subject to the terms of their privacy policy. Please review your merchant’s privacy policy to learn more, including your rights to stop their use of your Personal Data for marketing purposes.
  • We do not use, sell or share End Customer Personal Data for our marketing or advertising, or for marketing and advertising by third parties who are not the Business User with which you have transacted or attempted to transact.
• More. Please see below for information about additional ways in which we may use and share your Personal Data.

1.3 Representatives

To provide Business Services, we collect, use and share Personal Information from Representatives of Business Users (e.g. a business owner). We provide more information about our collection, use and sharing of Personal Data in our Privacy Center, including the legal bases which we rely on for using (processing) your Personal Data.

a. Personal Data that we collect about Representatives

• Registration and Contact Information. If you register for a Stripe account for a Business User (including incorporation of a Business), we collect your name and account log-in credentials. If you register for an event that Stripe organizes or attends or if you sign up for Stripe communications, we collect your registration and profile information. If you are a Representative or Representative of a potential Business User, we receive your Personal Data from third parties (including data providers) in order to advertise to, market and communicate with you as described further below and in Section 2. We may also associate a location with you in order to assess which Services or information may be useful to you. Learn More. 
• Identification Information. If you are an owner of a Business User or you are expected to be a shareholder, officer or director of a Business User, we require that you provide your contact details, such as name, postal address, telephone number, and email address to fulfill our financial partner and regulatory requirements. We will directly (and through others) collect Personal Data about you, such as your ownership interest in the Business User, your date of birth and government identifiers associated with you and your Business User (such as your social security number, tax number, or Employer Identification Number). You may also choose to provide bank account information.
• More. Please see below for information about additional types of Personal Data that we may collect, including about online activity.

b. How we use and share Personal Data of Representatives

We generally use Personal Data of Representatives to provide the Business Services to the associated Business Users, as well as for the purposes described below.

• Business Services. We use and share Personal Data of Representatives with Business Users to provide the Services you (or the Business User you are associated with) have requested.
  • In some cases our Business Service will require us to submit your Personal Data to a government entity (e.g. incorporating a business, or paying applicable sales tax).  For our tax Business Services, we may use your Personal Data to file taxes on behalf of your associated Business User. For our Atlas business incorporation services, we may use your Personal Data to submit forms to the IRS on your behalf and to file documents with other governmental authorities (e.g. articles of incorporation in your state of incorporation).
  • We share data with parties directly authorized by a Business User to receive Personal Data (e.g. financial partners servicing the financial product, or third party apps or services the Business User uses in conjunction with our Business Services). For example, providers of payment methods (e.g., Visa, WeChat Pay) will require merchant onboarding information for the Business Users that accept their payment methods, and Stripe will provide required onboarding information (including Personal Data of Representatives) to those financial partners. In some cases, these payment method providers will be located outside your home country for example WCP, AliPay, Block, Klarna Bank AB.  Learn More.
    • The use of Personal Data by a Business User’s authorized third party is subject to the third party’s privacy policy.
  • If you are a Business User and have chosen a name that includes Personal Data (e.g. a sole proprietorship or family name in a company name), we will share and use that information as any company name in connection with the provision of our Services (e.g. including it on receipts and other descriptions identifying financial transactions). 
• Advertising. Where allowed by applicable law, we use and share Representative Personal Data with others so that we may advertise and market our Services to you. Subject to applicable law (including any consent requirements), we may advertise to you through interest-based advertising and emails and seek to measure the effectiveness of our ads. See our Cookie Policy. We do not sell or share Representative Personal Data to others for their advertising purposes.
• More. Please see below for information about additional ways in which we may collect, use and share your Personal Data.

1.4 Visitors  

We collect, use and share Personal Data of Visitors (who are not End Users, End Customers or Representatives).  We provide more information about our collection, use and sharing of Personal Data in our Privacy Center, including the legal bases which we rely on for using (processing) your Personal Data. 

a. Visitor Personal Data that we collect

When you visit our Sites, we will receive your Personal Data either from you providing it to us or through our use of cookies and similar technologies. See our Cookie Policy.

• Forms. When you choose to fill in a form on the Site or on third party websites featuring our advertising (e.g. LinkedIn or Facebook), we will collect the information included in the form (e.g. your contact information and other information about your question related to our Services).  We may also associate a location with your visit. Learn More.
• More. Please see below for information about additional types of Personal Data that we may collect, including about online activity.

b. How we use and share visitor Personal Data

• Personalization. We use information about you that we gather from cookies and similar technologies to measure engagement with the content on the Sites, to improve relevancy and navigation, to personalize your experience (e.g. language and relevant geography) and to tailor content about Stripe and our Services to you.  For example, because not all of our Services are available in all regions, so we may tailor our answers for your region.
• Advertising. As allowed by law, we use and share Visitor Personal Data with others so that we may advertise and market our Services to you.  Subject to applicable law (including any consent requirements), we may advertise our Services to you through interest-based advertising and emails, and seek to measure the effectiveness of our ads. See also our Cookie Policy.  We do not sell or share Visitor Personal Data to others for their advertising purposes.
• Engagement.  When visitors engage with our stripe.com site, we will use information we collect about and through your devices in order to provide the opportunity to engage in conversations or with chatbots to address your questions.
• More. Please see below for information about additional ways in which we may collect, use and share your Personal Data.

2. More ways we collect, use and share Personal Data

In addition to the ways we collect, use and share Personal Data that are described above, we also process your Personal Data as follows: 

a. Personal Data Collection

• Online Activity. Depending on the Service you use and the Business Users’ implementation of our Business Services, we will collect information about:
  • Devices and browsers across our Sites and third-party websites, apps and other online services (“Third-Party Sites”),
  • Usage data associated with those devices and browsers and how you’ve engaged with our Services, including IP address, plug-ins, language used, time spent on Sites and Third-Party Sites, pages visited, links clicked, payment methods used, and the pages that led or referred you to Sites and Third-Party Sites. For example, activity indicators, like mouse activity indicators, to help us detect fraud. Learn More. Please also see our Cookie Policy.
• Communication and Engagement Information. We will collect any information you choose to provide to us, for example, through support tickets, emails or social media. When you respond to Stripe emails or surveys, we collect your email address, name and any other information you choose to include in the body of your email or responses. If you contact us by phone, we will collect the phone number you use to call Stripe, as well as other information you may provide during the call. We will also collect your engagement data such as your registration for, attendance of, or viewing of Stripe events and other interaction with Stripe personnel.
• Forums and Discussion Groups. Where our Sites allow you to post content, we will collect Personal Data that you provide in connection with the post.

b. Personal Data Usage. In addition to the Personal Data usage described above, we use Personal Data in the following ways:

• Improving and Developing our Services. We use analytics on our Sites to help us analyze your use of our Sites and Services and diagnose technical issues. To learn more about the cookies that may be served through our Sites and how you can control our use of cookies and third-party analytics, please see our Cookie Policy. We also collect and process Personal Data through our different Services, whether you are an End User, End Customer, Representative or Visitor, to improve our Services, develop new Services and support our efforts to make our Services more relevant and more useful to you. Learn More.
• Communications. We will use the contact information we have about you to perform the Services, which may include sending codes via SMS to authenticate you. Learn More. If you are an End User, Representative or Visitor, we may communicate with you using the contact information we have about you (e.g. using email, phone, text message or videoconference) to provide information about our Services and our affiliates’ services, invite you to participate in our events or surveys, or otherwise communicate with you for our marketing purposes, provided that we do so in accordance with applicable law, including any consent or opt-out requirements. For example, when you submit your contact information to us or when we collect your business contact details through our participation at trade shows or other events, we may use the information to follow-up with you regarding an event, send you information that you have requested on our products and services and include you on our marketing information campaigns.
• Social Media and Promotions. If you choose to submit Personal Data to us to participate in an offer, program or promotion, we will use the Personal Data you submit to administer the offer, program or promotion. We will also use that Personal Data and Personal Data you make available on social media to market to you unless we are not permitted to do so.
• Fraud Prevention and Security. We collect and use Personal Data to help us to detect and manage the activity of fraudulent and other bad actors across our Services, to enable our fraud detection Business Services, and to otherwise seek to secure our Services and transactions against unauthorized access, use, modification or misappropriation of Personal Data, information and funds. In connection with fraud and security monitoring, prevention, detection, and compliance activities for Stripe and its Business Users, we receive information from service providers (including credit bureaus), third parties, and the Services we provide. We may collect information from you, and about you, from Business Users, financial parties and in some cases third parties. For example, to protect our Services, we may receive information from third parties about IP addresses that malicious actors have compromised. Learn More. This Personal Data (e.g. name, address, phone number, country) helps us to confirm identities, run credit checks subject to applicable law and prevent fraud. We may also use technology to assess the fraud risk associated with an attempted transaction by an End Customer or End User with a Business User or financial partner.
• Compliance with Legal Obligations. We use Personal Data to meet our contractual and legal obligations related to anti-money laundering, Know-Your-Customer (“KYC”) laws, anti-terrorism, export control and prohibitions on doing business with restricted persons or in certain business areas and other legal obligations. Learn More.  We strive to make our Services safe, secure and compliant, and the collection and use of Personal Data is critical to this effort. For example, we may monitor patterns of payment transactions and other online signals and use those insights to reduce the risk of fraud, money laundering and other activity that is harmful to Stripe, our End Users and their End Customers.
• Minors. The Services are not directed to minors, including children under the age of 13, and we request that they not provide Personal Data through the Services. In some countries, we may impose higher age limits as required by applicable law.

c. Personal Data Sharing. In addition to the ways described above, we share Personal Data in the following ways:

• Stripe Affiliates. We share Personal Data with other Stripe affiliated entities. When we share with these entities, it is for purposes identified in this Policy.
• Service Providers or Processors. In order to provide Services to our Business Users and End Users and to communicate, market and advertise to Visitors, Representatives and End Users regarding our Services, we will rely on others to provide us services. Service providers provide a variety of critical services, such as hosting (storing and delivering), analytics to assess the speed, accuracy and/or security of our Services, identity verification, customer service, email and auditing. We authorize such service providers to use or disclose the Personal Data that we make available to perform services on our behalf and to comply with applicable legal requirements. We require such service providers to contractually commit to protect the security and confidentiality of Personal Data they process on our behalf. Our service providers are predominantly located in the European Union, the United States of America and India. Learn More.
• Financial Partners. “Financial Partners” are financial institutions that we partner with to offer the Services (including payment method acquirers, banks and payout providers). We share Personal Data with certain Financial Partners to provide the Services to the associated Business Users and to offer certain Services in partnership with our Financial Partners. For example, we share certain Personal Data of Representatives (e.g. loan repayment data and contact information) with institutional investors who purchase or provide credit secured by the Capital loans that we have made to the associated Business Users.
• Others with Consent. In some cases we may not provide a service, but instead refer you to, or enable you to engage with, others to get services (e.g. professional services firms that we partner with to deliver Atlas). In these cases, we will disclose the identity of the third party and the information that will be shared with them and seek your consent to share the information.
• Corporate Transactions. In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of our business, assets or stock, we may share Personal Data with third parties in connection with such transaction. Any other entity which buys us or part of our business will have the right to continue to use your Personal Data, but subject to the terms of this Policy.
• Compliance and Harm Prevention. We share Personal Data as we believe necessary: (i) to comply with applicable law, (ii) to comply with rules imposed by a payment method in connection with use of that payment method (e.g. network rules for Visa); (iii) to enforce our contractual rights; (iv) to secure or protect the Services, rights, privacy, safety and property of Stripe, you or others, including against other malicious or fraudulent activity and security incidents; and (v) to respond to valid legal process requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence.

3. Legal bases for processing data

For the purposes of the General Data Protection Regulation, we rely upon a number of legal bases to enable our processing of your Personal Data. For more information, see here.

a. Contractual and Pre-Contractual Business Relationships. We process Personal Data for the purpose of entering into business relationships with prospective Business Users and End Users and to perform the respective contractual obligations with them. Activities include:

• Creation and management of Stripe accounts and Stripe account credentials, including the evaluation of applications to commence or expand the use of our Services;
• Creation and management of Stripe Checkout accounts;
• Accounting, auditing, and billing activities; and
• Processing of payments, including fraud detection, loss prevention, optimizing valid transactions, communications regarding such payments, and related customer service.

b. Legal Compliance. We process Personal Data to verify the identity of individuals and entities in order to comply with fraud monitoring, prevention and detection obligations, laws associated with the identification and reporting of illegal and illicit activity, such as “Anti-Money Laundering (“AML”) and Know-Your-Customer (“KYC”)” obligations, and financial reporting obligations. For example, we may be required to record and verify a User’s identity for the purpose of compliance with legislation intended to prevent money laundering and financial crimes. These obligations are imposed on us by the operation of law and may require us to report our compliance to third parties, and to submit to third party verification audits.

c. Legitimate Interests. Where allowed under applicable law, we rely on our legitimate business interests to process Personal Data about you. The following list sets out the business purposes for which we have a legitimate interest in processing your data:

• Detect, monitor and prevent fraud and unauthorized payment transactions;
• Mitigate financial loss, claims, liabilities or other harm to End Customers, End Users, Business Users and Stripe;
• Determine eligibility for and offer new Stripe products and services Learn More;   
• Respond to inquiries, send Service notices and provide customer support;
• Promote, analyze, modify and improve our Services, systems, and tools, and develop new products and services, including reliability of the Services;
• Manage, operate and improve the performance of our Sites and Services by understanding their effectiveness and optimizing our digital assets;
• Analyze and advertise our Services, and related improvements;
• Conduct aggregate analysis and develop business intelligence that enable us to operate, protect, make informed decisions, and report on the performance of, our business;
• Share Personal Data with third party service providers that provide services on our behalf and business partners which help us operate and improve our business Learn More;
• Enable network and information security throughout Stripe and our Services; and
• Share Personal Data among our affiliates.

d. Consent. We may rely on consent to collect and process Personal Data as it relates to how we communicate with you and for the provision of our Services such as Link, Financial Connections, Atlas and Identity. When we process data based on your consent, you have the right to withdraw your consent at any time without affecting the lawfulness of processing based on such consent before the consent is withdrawn.

4. Your rights and choices

You may have choices regarding our collection, use and disclosure of your Personal Data:

a. Opting out of receiving electronic communications from us

If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails or as described here. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, (i) we retain the right to communicate to you regarding the services you receive (e.g. support and important legal notices) and (ii) our Business Users may still send you messages and/or direct us to send you messages on their behalf. 

b. Your data protection rights

Depending on your location and subject to applicable law, you may have the following rights described here with regard to the Personal Data we control about you:

• The right to request confirmation of whether Stripe processes Personal Data relating to you, and if so, to request a copy of that Personal Data;
• The right to request that Stripe rectify or update your Personal Data that is inaccurate, incomplete or outdated;
• The right to request that Stripe erase your Personal Data in certain circumstances provided by law. Learn More;
• The right to request that Stripe restrict the use of your Personal Data in certain circumstances, such as while Stripe considers another request that you have submitted (including a request that Stripe make an update to your Personal Data);
• The right to request that we export your Personal Data that we hold to another company, where technically feasible;
• Where the processing of your Personal Data is based on your previously given consent, you have the right to withdraw your consent at any time; 
• Where we process your information based on our legitimate interests, you may also have the right to object to the processing of your Personal Data. Unless we have compelling legitimate grounds or where it is needed for legal reasons, we will cease processing your information when you object.  Learn More.
• The right not to be discriminated against for exercising these rights; and/or
• The right to appeal any decision by Stripe relating to these rights.

You may have additional rights regarding your Personal Data under applicable law. For example, see Jurisdiction-specific provisions section under California below.

c. Process for exercising your data protection rights

To exercise your data protection rights please also see the Stripe Privacy Center or contact us as described below.

5. Security and retention

We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of your Personal Data. We maintain organizational, technical and administrative measures designed to protect Personal Data covered by this Policy against unauthorized access, destruction, loss, alteration or misuse. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure.

To help us protect Personal Data, where you have an account with Stripe, we encourage you to use a strong password, protect that password from unauthorized use and not use the same log-in credentials (e.g. password) for your Stripe accounts as you do with other services or accounts. If you have reason to believe that your interaction with us is no longer secure (e.g. you feel that the security of your Stripe account has been compromised), please contact us immediately. Learn More.

We retain your Personal Data as long as we are providing the Services to you or our Business Users (as applicable) or for a period during which we reasonably anticipate providing the Services. Even after we stop providing Services directly to you or a Business User with which you are doing business, and even if you close your Stripe account or complete a transaction with a Business User, we may retain your Personal Data: 

• to comply with our legal and regulatory obligations. 
• to enable fraud monitoring, detection and loss prevention activities. 
• to comply with our tax, accounting, and financial reporting obligations
• where required by our contractual commitments to our financial partners (and where data retention is mandated by the payment methods you used). 

In cases where we keep Personal Data, we do so in accordance with any limitation periods and records retention obligations that are imposed by applicable law. Learn More.

6. International data transfers

We are a global business. We may transfer your Personal Data to countries other than your own country, including to the United States. These countries may have data protection rules that are different from your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. In certain situations, we may be required to disclose Personal Data in response to lawful requests from officials (such as law enforcement or security authorities). Learn More. 

If you are located in the European Economic Area (“EEA”), the United Kingdom (“UK”) or Switzerland, please see Stripe Privacy Center for more information. Where applicable law requires a data transfer mechanism, we use one or more of the following: 

• Transfers to certain countries or recipients that are recognised as having an adequate level of protection for Personal Data under applicable law. 
• EU Standard Contractual Clauses approved by the European Commission and the UK International Data Transfer Addendum issued by the Information Commissioner’s Office. You can obtain a copy of the relevant Standard Contractual Clauses. Learn More. 
• or other legal methods available to us under applicable law. 

 While Stripe, Inc. remains self-certified under the E.U.-U.S. Privacy Shield and the Swiss-U.S. Privacy Shield, it is not currently relying on these frameworks for the transfer of Personal Data to the United States.

7. Updates and notifications

We may change this Policy from time to time to reflect new services, changes in our privacy practices or relevant laws. The “Last updated” legend at the top of this Policy indicates when this Policy was last revised. Any changes are effective the latter of when we post the revised Policy on the Services or otherwise provide notice of the update as required by law.

 We may provide you with disclosures and alerts regarding the Policy or Personal Data collected by posting them on our website and, if you are an End User or Representative, by contacting you through your Stripe Dashboard, email address and/or the physical address listed in your Stripe account.

8. Jurisdiction-specific provisions

• Australia. If you are an Australian resident, and you are dissatisfied with our handling of any complaint you raise under this Policy, you may wish to contact the Office of the Australian Information Commissioner.

9. Contact us

If you have any questions or complaints about this Policy, please contact us. If you are an End Customer (i.e. an individual doing business or transacting with a Business User), please refer to the privacy policy or notice of the Business User for information regarding the Business User’s privacy practices, choices and controls, or contact the Business User directly.

PayPal Privacy Statement

Effective Date: 21 March 2022
This version: 22-1
Previous version: 21-1

Download PDF

Jump to section:

• Overview
• What Personal Data Do We Collect?
• Why Do We Retain Personal Data?
• How Do We Process Personal Data?
• Do We Share Personal Data?
• How Do We Work with Other Services and Platforms?
• How Do We Use Cookies and Tracking Technologies?
• What Privacy Choices Are Available To You?
• What Are Your Rights?
• How Do We Protect Your Personal Data?
• Can Children Use Our Services?
• What Else Should You Know?
• Contact Us
• Definitions
• Additional Information

Overview

PayPal has developed this Privacy Statement to explain how we may collect, retain, process, share and transfer your Personal Data when you visit our Sites or use our Services.  This Privacy Statement applies to your Personal Data when you visit Sites or use Services, and does not apply to online websites or services that we do not own or control, including websites or services of other PayPal Users.

This Privacy Statement is designed to help you obtain information about our privacy practices and to help you understand your privacy choices when you use our Sites and Services.  Please note that our Service offerings may vary by region. 

We have defined some terms that we use throughout the Privacy Statement. You can find the meaning of a capitalized term in the Definitions section.

Please contact us if you have questions about our privacy practices that are not addressed in this Privacy Statement.

What Personal Data Do We Collect?

The primary purpose for collecting your Personal Data is to provide you with a secure, smooth, efficient, and customised experience. We may collect information about you when you visit our Sites or use our Services, including the following:

• Registration and use information – When you register to use our Services by establishing an Account, we will collect Personal Data as necessary to offer and fulfill the Services you request.  Depending on the Services you choose, we may require you to provide us with your name, postal address, telephone number, email address and identification information to establish an Account.  We may require you to provide us with additional Personal Data as you use our Services.
• Transaction and experience information – When you use our Services or access our Sites, for example, to make purchases from merchants, to receive money, to process payments, to send payouts or to send money to friends and family, we collect information about the transaction, as well as other information associated with the transaction such as amount sent or requested, amount paid for products or services, merchant information, including information about any funding instruments used to complete the transaction, Device Information, Technical Usage Data, and Geolocation Information.
• Participant information – When you use our Services or access our Sites, we collect Personal Data you provide us about the other participants associated with the transaction.
  • Send or request money:  When you send or request money through the Services, we collect Personal Data such as name, postal address, telephone number, and financial account information about the participant who is receiving money from you or sending money to you.  The extent of Personal Data required about a participant may vary depending on the Services you are using to send or request money. 
  • Pay or request someone else to pay a bill:  If you use our Services to pay a bill for the benefit of someone else, or if you request a User to pay a bill for you, we collect Personal Data from you about the account holder such as name, postal address, telephone number, email address, and account number of the bill that you intend to pay or request to be paid.
  • Add value to your accounts:  If you use our Services to add value to your Account or any other account you may have, or if you ask a User to add value to any of these accounts, we may collect Personal Data from you about the other party, or from the other party about you to facilitate the request.  For example, if you use our Services to reload a mobile phone, or to request value be added to your mobile account, we may collect Personal Data and other information including mobile account number from the other participant.
• Information about your public profile and your friends and contacts – It may be easier for us to help you transact with your friends and contacts if you choose to connect your contact list information with your Account or if your Account profile is publicly available. If you establish an account connection between your device or a social media platform and your Account, we will use your contact list information (such as name, address, email address) to improve your experience when you use the Services. When your Account profile is public, other users can find your profile to send you money by searching for you by name, username, email, or mobile number on PayPal and confirm it’s you by viewing your photo. You can make your Account profile private anytime in your PayPal.me settings.
• Information that you choose to provide us to obtain additional Services or specific online Services – If you request or participate in an optional Site feature, or request enhanced Services or other elective functionality, we may collect additional information from you.  We will provide you with a separate notice at the time of collection, if the use of that information differs from the uses disclosed in this Privacy Statement.
• Personal Data about you if you use unbranded Services – certain Services are available without being required to log in to or establish an Account. We will collect Personal Data when you are interacting with and making payments to merchants using our card payment services that do not carry the PayPal brand and when you checkout with PayPal without logging into an account. For our unbranded payment services, your interaction is with the merchant, on their platform. If you are an Account holder, or create an Account at a later date, we may collect information about unbranded transactions and associate them with your Account to improve your customer experience as an Account holder and for compliance and analytics purposes. If you are not an Account holder, we will collect and store all information you provide and use such information in accordance with this Privacy Statement. 
• Information about you from third-party sources – We obtain information from third-party sources such as merchants, data providers, and credit bureaus, where permitted by law. 
• Other information we collect related to your use of our Sites or Services – We may collect additional information from or about you when you communicate with us, contact our customer support teams or respond to a survey.

Notice to Non-Account holders

If you use our Services without creating or logging into an account, we’ll still collect personal data, which may include your payment information, device information, and location. When you use our Services without creating or logging into an account, we will use this information to process transactions, prevent fraud and comply with the law. We may connect this information with your account, if you have one or if you create an account at a later date.

Why Do We Retain Personal Data?

We retain Personal Data to fulfill our legal or regulatory obligations and for our business purposes.  We may retain Personal Data for longer periods than required by law if it is in our legitimate business interests and not prohibited by law.  If your Account is closed, we may take steps to mask Personal Data and other information, but we reserve our ability to retain and access the data for so long as required to comply with applicable laws.  We will continue to use and disclose such Personal Data in accordance with this Privacy Statement.

How Do We Process Personal Data?

We may Process your information for the following reasons:

• To operate the Sites and provide the Services, including to:
  • execute a payment, send or request money, send payouts, add value to an account, or pay a bill;
  • confirm your identity;
  • authenticate your access to an Account;
  • communicate with you about your Account, the Sites, the Services, or PayPal;
  • create an account connection between your Account and a third-party account or platform;
  • perform creditworthiness and other financial standing checks, evaluate applications, and compare information for accuracy and verification purposes; and
  • keep your Account and financial information up to date.
• To manage our business needs, such as monitoring, analyzing, and improving the Services and the Sites’ performance and functionality.  For example, we analyze User behavior and perform research about the way you use our Services.
• To manage risk and protect the Sites, the Services and you from fraud by verifying your identity.   PayPal’s risk and fraud tools use Personal Data, Device Information, Technical Usage Data and Geolocation Information from our sites and websites that offer PayPal Services to help detect and prevent fraud and abuse of the Services.
• To market to you about PayPal products and Services and the products and services of unaffiliated businesses.  We may also Process your Personal Data to tailor the marketing content and certain Services or Site experiences to better match your interests on PayPal and other third-party websites.
• To provide personalized Services offered by PayPal on third-party websites and online services.  We may use your Personal Data and other information collected in accordance with this Privacy Statement to provide a targeted display, feature, Services or offer to you on third-party websites.  We may use cookies and other tracking technologies to provide these online services and/or work with other third-parties such as merchants, advertising or analytics companies to provide these online services. 
• To provide you with location-specific options, functionality or offers if you elect to share your Geolocation Information through the Services.  We will use this information to enhance the security of the Sites and Services and provide you with location-based Services, such as advertising, search results, and other personalized content. 
• To comply with our obligations and to enforce the terms of our Sites and Services, including to comply with all applicable laws and regulations.
• To make it easier for you to find and connect with others. For instance, if you let us access your contacts or when your Account profile is public, we can suggest connections with people you may know and help others connect with you to send you money by letting them find your profile when they search for you by name, username, email, or mobile number on PayPal. We may also associate information that we learn about you through your and your contacts’ use of the Services, and information you and others provide, to suggest people you may know or may want to transact with through our Services. Social functionality and features designed to simplify your use of the Services with others vary by Service.
• To respond to your requests, for example to contact you about a question you submitted to our customer service team.

Do We Share Personal Data?

We may share your Personal Data or other information about you with others in a variety of ways as described in this section of the Privacy Statement. 

We may share your Personal Data or other information for the following reasons:

With other members of the PayPal corporate family: We may share your Personal Data with members of the PayPal family of entities to, among other things, provide the Services you have requested or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements; and to help us manage the availability and connectivity of PayPal products, Services, and communications.

With other companies that provide services to us: We may share Personal Data with third-party service providers that perform services and functions at our direction and on our behalf.  These third-party service providers may, for example, provide you with Services, verify your identity, assist in processing transactions, send you advertisements for our products and Services, or provide customer support. 

With other financial institutions that we have partnered with to jointly create and offer a product or service: We may share Personal Data with other financial institutions that we have partnered with to jointly create and offer a product.  These financial institutions may only use this information to market and offer PayPal-related products, unless you have given consent for other uses. We may also share Personal Data to process transactions, provide you with benefits associated with your eligible cards, and keep your financial information up to date.

With the other parties to transactions when you use the Services, such as other Users, merchants, and their service providers: We may share information about you and your Account with the other parties involved in processing your transactions.  This includes other Users you are sending or receiving funds from, and merchants and their service providers.  The information might include:

• Personal Data and Account information necessary to facilitate the transaction;

• information to help other participant(s) resolve disputes and detect and prevent fraud; and
• aggregated data and performance analytics to help merchants better understand Users and to help merchants enhance Users’ experiences. 

With other third parties for our business purposes or as permitted or required by law: We may share information about you with other parties for PayPal’s business purposes or as permitted or required by law, including:

• if we need to do so to comply with a law, legal process or regulations;
• to law enforcement authorities or other government officials, or other third parties pursuant to a subpoena, a court order or other legal process or requirement applicable to PayPal or PayPal’s corporate family;
• if we believe, in our sole discretion, that the disclosure of Personal Data is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity;

• to protect the vital interests of a person;
• to investigate violations of or enforce a user agreement or other legal terms applicable to any Service;
• to protect our property, Services and legal rights;
• to facilitate a purchase or sale of all or part of PayPal’s business;
• in connection with shipping and related services for purchases made using a Service;
• to help assess and manage risk and prevent fraud against us, our Users and fraud involving our Sites or use of our Services, including fraud that occurs at or involves our business partners, strategic ventures, or other individuals and merchants;
• to banking partners as required by card association rules for inclusion on their list of terminated merchants;
• to credit reporting and collection agencies;
• to companies that we plan to merge with or be acquired by; and
• to support our audit, compliance, and corporate governance functions.

With your consent: We also will share your Personal Data and other information with your consent or direction, including if you authorize an account connection with a third-party account or platform. 

In addition, PayPal may provide aggregated statistical data to third-parties, including other businesses and members of the public, about how, when, and why Users visit our Sites and use our Services.  This data will not personally identify you or provide information about your use of the Sites or Services.  We do not share your Personal Data with third parties for their marketing purposes without your consent.

How Do We Work with Other Services and Platforms?

A significant benefit and innovation of PayPal’s Services is that you can connect your Account with a third-party account or platform.  For the purposes of this Privacy Statement, an “account connection” with such a third-party is a connection you authorize or enable between your Account and a non-PayPal account, payment instrument, or platform that you lawfully control or own.  When you authorize such a connection, PayPal and the third-party will exchange your Personal Data and other information directly.  Examples of account connections include:

• linking your Account to a social media account or social messaging service;
• connecting your Account to a third-party data aggregation or financial services company, if you provide such company with your Account log-in credentials; or
• using your Account to make payments to a merchant or allowing a merchant to charge your Account.

If you choose to create an account connection, we may receive information from the third-party about you and your use of the third-party’s service.  For example, if you connect your Account to a social media account, we will receive Personal Data from the social media provider via the account connection.  If you connect your Account to other financial accounts, directly or through a third-party service provider, we may have access to your account balance and transactional information, such as purchases and funds transfers.  We will use all such information that we receive from a third-party via an account connection in a manner consistent with this Privacy Statement. 

Information that we share with a third-party based on an account connection will be used and disclosed in accordance with the third-party’s privacy practices.  Before authorizing an account connection, you should review the privacy notice of any third-party that will gain access to your Personal Data as part of the account connection.  For example, Personal Data that PayPal shares with a third-party account or platform such as a social media account may in turn be shared with certain other parties, including the general public, depending on the account’s or platform’s privacy practices.

How Do We Use Cookies and Tracking Technologies?

When you visit our Sites, use our Services, or visit a third-party website for which we provide online Services, we and our business partners and vendors may use cookies and other tracking technologies (collectively, “Cookies”) to recognize you as a User and to customize your online experiences, the Services you use, and other online content and advertising; measure the effectiveness of promotions and perform analytics; and to mitigate risk, prevent potential fraud, and promote trust and safety across our Sites and 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, your use of the Sites and Services may be limited or not possible. 

Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties.  We do not respond to DNT signals.

Please review our Statement on Cookies and Tracking Technologies to learn more about how we use Cookies.

What Privacy Choices Are Available To You?

You have choices when it comes to the privacy practices and communications described in this Privacy Statement.  Many of your choices may be explained at the time you sign up for or use a Service or in the context of your use of a Site.  You may be provided with instructions and prompts within the experiences as you navigate the Services. 

• Choices Relating to the Personal Data We Collect
  • Personal Data.  You may decline to provide Personal Data when it is requested by PayPal, but certain Services or all of the Services may be unavailable to you. 
  • Location and other device-level information.  The device you use to access the Sites or Services may collect information about you, including Geolocation Information and User usage data that PayPal may then collect and use.  For information about your ability to restrict the collection and use of such information, please use the settings available in the device. 
• Choices Relating to Our Use of Your Personal Data
  • Online Tracking and Interest-Based Advertising.  We work with partners and third-party service providers to serve you advertising using ad-related cookies and web beacons.  You can opt-out of third-party advertising-related cookies and web beacons, in which case our advertising should not be targeted to you.  You will continue to see our advertising on third party websites.
    • For more information on third-party advertising-related cookies and interest-based advertising, and to learn how to opt-out of these practices with companies participating in industry self-regulation, please visit Your Ad Choices.
  • Personalized Services offered by PayPal on third-party websites and services.  You may manage your preferences for other PayPal Services that are personalized and offered to you on third-party websites from your Account.  We may also provide you with instructions and prompts on how to manage your preferences within the Service experience.
  • Finding and connecting with others.  If available, you may manage your preferences for finding and connecting with others from your account of the Service you use.
• Choices Relating to Account Connections
• If you authorize an account connection to a third-party account or platform, such as a social media account, you may be able to manage your connection preferences from your Account or the third-party account or platform.  Please refer to the privacy notice that governs the third-party platform for more information on the choices you may have.
• Choices Relating to Cookies
  • You may have options available to manage your cookies preferences.  For example, your browser or internet device may allow you delete, disable, or block certain cookies and other tracking technologies.  You can learn more by visiting AboutCookies.org.  You may choose to enable these options, but doing so may prevent you from using many of the core features and functions available on a Service or Site.
  • You may have an option regarding the use of cookies and other tracking technologies when you use a Service or visit parts of a Site.  For example, you may be asked if you want the Service or Site to “remember” certain things about you, and we will use cookies and other tracking technologies to the extent that you permit them.
  • You can learn more about our cookies and tracking technologies by visiting the Statement on Cookies and Tracking Technologies page.
• Choices Relating to Your Registration and Account Information
  • If you have an Account, you generally may review and edit Personal Data by logging in and updating the information directly or by contacting us. Contact us if you do not have an Account or if you have questions about your Account information or other Personal Data.
• Choices Relating to Communication
  • Notices, Alerts and Updates from Us: 
    • Marketing: We may send you marketing content about our Sites, Services, products, products we jointly offer with financial institutions, as well as the products and services of unaffiliated third parties and members of the PayPal corporate family through various communication channels, for example, email, text, pop-ups, push notifications, and messaging applications.  You may opt out of these marketing communications by following the instructions in the communications you receive.  If you have an Account with us, you may also adjust your communication preferences in your Account settings.  For messages sent via push notifications, you may manage your preferences in your device. 
    • Informational and Other: We will send communications to you that are required or necessary to send to Users of our Services, notifications that contain important information and other communications that you request from us.  You may not opt out of receiving these communications.  However, you may be able to adjust the media and format through which you receive these notices.

What Are Your Rights?

Subject to limitations set out in Data Protection Laws, you have certain rights in relation to your personal data. You have the right to request access to your data and rectification. Please contact us if you want to exercise these rights.

You may also revoke consent. Revocation of your consent may affect our ability to provide services to you. If you want to exercise any of your rights, contact us. If you wish to complete a request for access to all personal data PayPal holds about you, remember that you may be required to prove your identity.

If you have an Account with any of our Services, you will generally be able to review and edit Personal Data in the Account by accessing the account and updating information directly.

You can also contact us if you do not have an Account or if you have questions about Account information or other Personal Data.

How Do We Protect Your Personal Data?

We maintain technical, physical, and administrative security measures designed to provide reasonable protection for your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration.  The security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls.  While we are dedicated to securing our systems and Services, you are responsible for securing and maintaining the privacy of your password(s) and Account/profile registration information and verifying that the Personal Data we maintain about you is accurate and current.  We are not responsible for protecting any Personal Data that we share with a third-party based on an account connection that you have authorized.

Can Children Use Our Services?

The Sites and Services are not directed to children under the age of 13.  We do not knowingly collect information, including Personal Data, from children or other individuals who are not legally able to use our Sites and Services.  If we obtain actual knowledge that we have collected Personal Data from a child under the age of 13, we will promptly delete it, unless we are legally obligated to retain such data. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.

What Else Should You Know?

Changes to This Privacy Statement. 

We may revise this Privacy Statement from time to time to reflect changes to our business, the Sites or Services, or applicable laws.  The revised Privacy Statement will be effective as of the published effective date. 

If the revised version includes a substantial change, we will provide you with 30 days prior notice by posting notice of the change on the “Policy Update” page of our website.  We also may notify Users of the change using email or other means. 

Transfers of Your Personal Data to Other Countries

Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology, including, but not limited to, third-party service providers.  We and our third-party service providers store and Process your Personal Data in the United States of America and elsewhere in the world.  We will protect your information as described in this Privacy Statement if your Personal Data is transferred to other countries.  By using our Sites and Services, you consent to your Personal Data being transferred to other countries, including countries that have different data protection rules than your country.  We do not represent that our Sites and Services are appropriate or available in any particular jurisdiction.

Our Management of Credit-Related Personal Information

When you apply for Services involving consumer credit, PayPal Credit may collect, use and disclose your credit-related personal information. PayPal Credit collects the following kinds of credit information to assess your creditworthiness: Personal Data, PayPal account transaction and experience data, and information about any existing PayPal Credit loans you may have.

PayPal Credit may also collect credit information about you from an external credit bureau including identification information (e.g., name, address, date of birth), previous credit checks done by credit providers to whom you have applied, insolvencies, bankruptcies, defaults (at least 60 days overdue on consumer debts over $150) and consumer credit fraud. If PayPal Credit collects information from a credit bureau it may also receive your credit score.

PayPal Credit collects, uses, and discloses your credit-related personal information for the purposes of engaging in the Australian credit reporting system including to determine your creditworthiness and report defaults and fraud to an external credit bureau. It does not hold, use, or disclose this information for any other purpose and if the information is no longer needed for this purpose and is not otherwise required by law to be retained, then it will be destroyed or de-identified. PayPal Credit is not likely to disclose your credit information to entities that do not have an Australian link.

If you have questions about your Account information or Personal Data that was used for an application for credit Services made by you, the correction of that information, or to make a complaint about our management of credit-related personal information, please refer to the Contact us section below.

Contact Us

You may contact us if you have general questions about our Privacy Statement and practices or questions about your Account information or Personal Data. 

We want to make sure your questions go to the right place:

• Click here to contact us about your PayPal account or transaction, or a card payment made to a merchant.

Alternatively, you can contact us at:

Handling your complaints

We aim to:

• Acknowledge receipt of all complaints within 24 hours (or 1 business day) of receiving it, or as soon as practicable.
• Resolve all complaints within 30 days after receiving the complaint. This may not be possible in all circumstances. Where we cannot resolve a complaint within 30 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint.

We are a member of the Australian Financial Complaints Authority (“AFCA”), an independent external dispute resolution scheme covering applicable Australian customers.  For more information on AFCA, please visit www.afca.org.au.  If you are not satisfied with the outcome of your complaint, you may wish to contact the AFCA on:

You may also contact the Office of the Australian Information Commissioner (“OAIC”) in relation to the handling of your personal information. You may contact OAIC on:

Definitions

Account means a PayPal member account.

Device Information means data that can be automatically collected from any device used to access the Sites or Services.  Such information may include, but is not limited to, your device type; your device’s network connections; your device’s name; your device’s IP address; information about your device’s web browser and the internet connection being used to access the Site or Services; Geolocation Information; information about apps downloaded to your device; and biometric data (e.g., Touch ID/Fingerprint to verify your identity). 

Geolocation Information means information that identifies with reasonable specificity your location by using, for instance, longitude and latitude coordinates obtained through GPS, Wi-Fi, or cell site triangulation.  Some of our Services may ask you for permission to share your current location.  Some of the Sites and Services require this information to provide a specific product or online Service.  If you do not agree to our collection of the geolocation information, our Sites or Services may not function properly when you try to use them. 

PayPal means PayPal Australia Pty Ltd ABN 93 111 195 389, AFSL 304962 and subsidiaries or affiliates.  In this Privacy Statement, PayPal is sometimes referred to as “we,” “us,” or “our,” depending on the context.

PayPal Credit means PayPal Credit Pty Limited (ABN 66 600 629 258).

Personal Data means information that can be associated with an identified or identifiable person.  “Personal Data” can include name, postal address (including billing and shipping addresses), telephone number, email address, payment card number, other financial account information, account number, date of birth, and government-issued credentials (e.g., driver’s licence number, national ID, or passport). 

Process means any method or way that we handle Personal Data or sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, and consultation, disclosure by transmission, disseminating or otherwise making available, alignment or combination, restriction, erasure or destruction of Personal Data.

Services means any products, services, content, features, technologies, or functions, and all related websites, applications and services offered to you by PayPal and PayPal Credit.

Sites means the websites, mobile apps, official social media platforms, or other online properties through which PayPal offers the Services and which has posted or linked to this Privacy Statement.

Technical Usage Data means information we collect from your phone, computer or other device that you use to access the Sites or Services.  Technical Usage Data tells us how you use the Sites and Services, such as what you have searched for and viewed on the Sites and the way you use our Services, including your IP address, statistics regarding how pages are loaded or viewed, the websites you visited before coming to the Sites and other usage and browsing information collected through Cookies. 

User means an individual who uses the Services or accesses the Sites.

Additional Information

The information provided in this section may be specific to customers depending on your region or how you use the Services. This information is provided to PayPal from third parties you may interact with when using the Services.

Google ReCaptcha

PayPal uses ReCaptcha on the Sites and Services. Your use of ReCaptcha is subject to the Google Privacy Policy and Terms of Use.

ReCaptcha is only used to fight spam and abuse.

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The PayPal service is provided by PayPal Australia Pty Limited (ABN 93 111 195 389) which holds Australian Financial Services Licence number 304962. Any information provided is general only and does not take into account your objectives, financial situation or needs. Please read and consider the Combined Financial Services Guide and Product Disclosure Statement before acquiring or using the service. PayPal credit services are provided by PayPal Credit Pty Limited (ACN 600 629 258).

When you visit or interact with our sites, services, applications, tools or messaging, we or our authorised service providers may use cookies, web beacons, and other similar technologies for storing information to help provide you with a better, faster and safer experience and for advertising purposes. Learn more here.