EFTA Document EFTA01783593

From: PayPal <[email protected]> Sent: Tuesday, September 6, 2016 2:53 PM To: [email protected] Subject: We've updated our User Agreement and PayPal Debit Card Agreements PayPal policy updates now available. View online <https://epl.paypal- communication.co4H/2/v200000156fffbc3d58e487ef4bbe5cfc0/HTML> PayPal's Redesigned User Agreement Hi We're writing to let you know that we are updating our U.S. Us=r Agreement and PayPal Debit Card Agreements. We are making these update= to clarify our terms and make these agreements easier to read and navigat=. What you =9911 see in the updated User Agreement We are unveiling an entirely redesigned User Agreement for our U.S. cu=tomers. We've worked to make this new User Agreement a more user=friendly experience with content that makes it easier for you to understan= your rights and obligations when it comes to using PayPal's produ=ts and services. Here's what we've done: We've redesigned the User Agreement to simplify i=s format, with new color-coded headings so you can more easily find the in=ormation most relevant to your account. We've revised and reorganized the content of the =ser Agreement to be easier to follow and to include information where you=E2 d intuitively look for it. We are not changing the meaning of wh=t we say, only how we say and show it. The changes fall broadly into thr=e categories: • We added additional detai= on a number of topics including: opening and closing an account, withdraw=ng money, and managing money in multiple currencies • We reworded content in a =ore understandable and customer-friendly way • We removed some content t=at isn't essential and relocated other content to separate pages o= our site What you =9911 see in the updated PayPal Debit Card Agreements We've revised the Debit Card Agreements for both our PayPal Consum=r Debit Mastercard* and our PayPal Business Debit Mastercard'= to make them easier to understand by removing references between the User=Agreement and the Debit Card Agreements. Annual Error R=solution Notice Below is a copy of our Annual Error Resolution Notice to provide helpful i=formation if you have a billing error or unauthorized transaction on your =ayPal account. Remember that you can check out our Error Resolution Not=ce at any time by accessing our PayPal User Agreement <https://epl.paypal- communicat=on.com/T/v2000001561ffbc3d58e487ef4bbe5cfc0/0ee5b23ca92149070000021ef3a0=cc2> . . • You can read the entire U.S. User Agreement, the PayPal Consumer Debit=Mastercard* Agreement and the PayPal Business Debit Mastercard' =greement on our Policy Update= page <https://epl.paypal- EFTA_R1_00104317 EFTA01783593 communication.com/T/v200=00156fffbc3d58e487ef4bbeScfc0/0ee5b23ca92149070000021ef3a0bcc3> . These updates will take effect on October 19, 2016. If you=do not agree to the new User Agreement or the Debit Card Agreements, you m=y close your PayPal account or cancel your PayPal Debit Card before Octobe= 19, 2016. Thank you for being a PayPal customer. Sincerely, PayPal <https://pp.images.harmony.epsilon.co=/NorthAmerica/NA/2016/August/01204224/divider.png> Annual Error Resolution Notice In case of errors or questions about your electronic transfers, please cal= us at or write us at PayPal, Attn: Error Resolution Departme=t, P.O. Box 45950, Omaha, NE 68145-0950 as soon as you can, if you thi=k your statement or receipt is wrong or if you need more information about=a transfer listed on the statement or receipt. We must hear from you no =ater than 60 days after we sent the FIRST statement on which the problem o= error appeared. 1. Tell us your name and acc=unt number (if any). 2. Describe the error or the=transfer you are unsure about, and explain as clearly as you can why you b=lieve it is an error or why you need more information. 3. Tell us the dollar amount=of the suspected error. If you tell us orally, we may require that you send us your complaint or q=estion in writing within 10 business days. We will determine whether an error occurred within 10 business days after =e hear from you and will correct any error promptly. If we need more tim=, however, we may take up to 45 days to investigate your complaint or ques=ion. If we decide to do this, we will credit your account within 10 busi=ess days for the amount you think is in error, so that you will have the u=e of the money during the time it takes us to complete our investigation=2E If we ask you to put your complaint or question in writing and we do no= receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated tra=sactions, we may take up to 90 days to investigate your complaint or quest=on. For new accounts, we may take up to 20 business days to credit your =ccount for the amount you think is in error. We will tell you the results within three business days after completing o=r investigation. If we decide that there was no error, we will send you = written explanation. You may ask for copies of the documents that we us=d in our investigation <https://pp.images.harmony.eps=lon.com/NorthAmerica/NA/2016/August/01204224/bottom_left.jpg> <https://pp.images.harmony.eps=lon.com/NorthAmerica/NA/2016/August/01204224/bottom_right.jpg> <https://pp.images.harm=ny.epsilon.com/NorthAmerica/NA/2016/August/01204224/gray-line.jpg> chttps://pp.images.harmony=2Eepsilon.com/NorthAmerica/NA/2016/August/01204224/gray-line.jpg> Please do not reply to this email. We are unable to respond to inquir=es sent to this address. For immediate answers to your questions, visit =ur Help Center by clicking "Help" located on any PayPal page or =mail. Copyright © 2016 PayPal, Inc. All rights reserved. PayPal is I=cated at 2211 N. First St., San Jose, CA 95131. <https://epl.paypal- communication.com/O/v200000156fffbc3d58=487ef4bbe5cfc0/0ee5b23ca921490700004c5a42963aal> 2 EFTA_R1_00104318 EFTA01783594