How to delete my xoom paypal account – none:.My Xoom Account​

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

As security for the performance of your obligations under this user agreement, you grant to PayPal a lien on, and security interest in and to, your PayPal balance in the possession of PayPal. If your PayPal balance becomes negative for any reason, that negative PayPal balance represents an amount that you owe to PayPal. PayPal may set off these amounts from funds that are subsequently added to your PayPal account, either by you or from payments you receive.

If you continue using your PayPal account when it has a negative balance, you authorize PayPal to combine the negative balance with any debit or transaction sent from your account when that combination is disclosed to you in advance of initiating the debit or transaction.

If you hold funds in a PayPal account in multiple currencies, and the balance for one of the currencies becomes negative for any reason, PayPal may set off the negative PayPal balance by using funds you maintain in a different currency.

If you have a negative balance in non-relevant currency for a period of 21 days or longer, PayPal will convert this negative balance to relevant currency. In either case, a currency conversion will be necessary, and PayPal’s transaction exchange rate including our currency conversion fee will be used. In addition to the above, if you have a past due amount owed to PayPal or one of our affiliates, PayPal may debit your PayPal account to pay any amounts that are past due.

This includes amounts owed by using our various products such as Xoom or Braintree. If any proceeding by or against you is commenced under any provision of any bankruptcy or insolvency law, we’ll be entitled to recover all reasonable costs or expenses including reasonable legal fees and expenses incurred in connection with the enforcement of this user agreement.

If PayPal invalidates and reverses a payment that you made to a recipient either at your initiative or otherwise , you agree that PayPal assumes your rights against the recipient and third parties related to the payment, and may pursue those rights directly or on your behalf, in PayPal’s discretion.

Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches. Our affiliates include each entity that we control, we are controlled by or we are under common control with. PayPal’s liability is limited with respect to your PayPal account and your use of the PayPal services.

In no event shall PayPal be liable for lost profits or any special, incidental or consequential damages including without limitation damages for loss of data or loss of business arising out of or in connection with our websites, software, systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf, any of the PayPal services, or this user agreement however arising, including negligence , unless and to the extent prohibited by law.

Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages. The PayPal services are provided “as-is” and without any representation or warranty, whether express, implied or statutory. PayPal specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.

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 operated by us or on our behalf including any networks and servers used to provide any of the PayPal services 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 cheque 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 mail service.

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 that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favour at the time of agreeing to this release.

If a dispute arises between you and PayPal, acting as either a buyer or a seller, 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.

If you elect arbitration, you will initiate such arbitration through an established alternative dispute resolution “ADR” provider mutually agreed upon by you and us.

You may not copy, imitate, modify or use them without PayPal’s prior written consent. You may not copy, imitate, modify or use them without our prior written consent. 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. This license grant applies to the software and all updates, upgrades, new versions and replacement software. You may not rent, lease or otherwise transfer your rights in the software to a third party.

You must comply with the implementation, access and use requirements contained in all documentation accompanying the PayPal services. If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. PayPal may update or discontinue any software upon notice to you.

You agree not to modify, alter, tamper with, repair, copy, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the software or any third party materials or technology, or otherwise create any derivative works from any of the software or third party materials or technology.

You acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal and any third party materials integrated therein are owned by PayPal’s third party service providers. Any other third party software application you use on the PayPal websites is subject to the license you agreed to with the third party that provides you with this software. If you are using the PayPal services on the PayPal website, or other website or platform hosted by PayPal, or a third party, and are not downloading PayPal’s software or using third party software applications on the PayPal website, then this section does not apply to your use of the hosted PayPal services.

PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. Nor does PayPal claim ownership of the content you host on third-party websites or applications that use PayPal services to provide payments services related to your content. Subject to the next paragraph, when you provide content to PayPal or post content using PayPal services, you grant PayPal and parties that we work with a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights in any media known now or in the future to help us improve, operate and promote our current services and develop new ones.

PayPal will not compensate you for any of your content. You acknowledge that PayPal’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against PayPal.

You represent and warrant that none of the following infringe any intellectual property or publicity right: your provision of content to PayPal, your posting of content using the PayPal Services, and PayPal’s use of such content including of works derived from it in connection with the PayPal services. Notwithstanding the provisions of the prior paragraph, if you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable through multiple tiers , and royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark s including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you for the purpose of 1 identifying you as a merchant that accepts a PayPal service as a payment form and facilitating consumer transactions with you, and 2 any other use to which you specifically consent.

You may not transfer or assign any rights or obligations you have under this user agreement without PayPal’s prior written consent. PayPal may transfer or assign this user agreement or any right or obligation under this user agreement at any time.

If you do not log in to your PayPal account for two or more years, PayPal may close your PayPal account and any unused funds in your account will be subject to applicable laws regarding unclaimed monies. This user agreement, along with any applicable Policies on the Legal Agreements page on the PayPal website, sets forth the entire understanding between you and PayPal with respect to the PayPal services.

All such terms which by their nature should survive, will survive the termination of this user agreement. If any provision of this user agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. This Agreement will be governed by and interpreted in accordance with the laws of Singapore, as such laws are applied to agreements entered into and to be performed entirely within Singapore, without regard to conflict of law provisions.

Except as otherwise agreed by the parties, you agree that any claim or dispute you may have against PayPal must be resolved by a court located in Singapore or where the defendant is located. All claims you bring against PayPal must be resolved in accordance with this user agreement. All claims filed or brought contrary to this user agreement shall be considered improperly filed and a breach of this user agreement. You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to verify your identity.

This may include:. Anti-money laundering and counter-terrorism financing laws may require that PayPal verify certain identifying information if you use certain PayPal services. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. It is the express wish of the parties that these terms and any directly or indirectly related documents be drawn up in English.

Any translation of this user agreement is provided solely for your convenience and is not intended to modify the terms of this user agreement. In the event of a conflict between the English version of this user agreement and a version in a language other than English, the English version shall control.

If you as a seller receive personal data about another PayPal customer, you must keep such personal data confidential and only use it in connection with the PayPal services. You may not disclose or distribute any personal data about PayPal customers to a third party or use such personal data for marketing purposes unless you receive that customer’s express consent to do so. You may not send unsolicited emails to a PayPal customer or use the PayPal services to collect payments to send, or assist in sending, unsolicited emails to third parties.

To the extent that you process any personal data about a PayPal customer pursuant to this user agreement, you and PayPal will shall each be an independent data controller and not joint controllers , meaning we will each separately determine the purposes and means of processing such personal data. We each agree to comply with the requirements of any applicable privacy and data protection laws, including any applicable regulations, directives, codes of practice, and regulatory requirements applicable to data controllers in connection with this user agreement.

We each also have and will follow our own, independently-determined privacy statements, notices, policies and procedures for any such personal data that we process in connection with this user agreement. These terms and conditions apply only to account holders for PayPal accounts registered in the following countries. If you are using a service “Third Party Service” offered by a PayPal partner bank or licensed foreign-exchange service provider a “Service Provider” , please see the terms and conditions of the Service Provider for additional information relating to that service.

You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal account to a Service Provider. You acknowledge and agree that PayPal may share information provided by you in accordance with PayPal’s Privacy Policy and the terms of the agreement between you and PayPal with a Service Provider, including for the following reason; to enable a Service Provider to conduct the requisite due diligence in accordance with Service Provider’s Know-your-customer KYC obligations.

PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any i failure, interruption, defect, or negligent or willful misuse of a Third Party Service; or ii consequences arising out of delayed or non-receipt of funds withdrawn through a Third Party Service.

We may amend the user agreement and any of the policies and other agreements on the Legal Agreements page that apply to users in Mainland China from time to time. Except to the extent amended by these terms and conditions, all other provisions of the user agreement shall remain in full force and effect.

As of 1 September , Colombian Resident PayPal users may only send and receive international payments. Domestic payments between two Colombian Resident PayPal users are unavailable. Malaysia Time. Privacy Policy. In addition to the English language version of the Privacy Policy appended to this Agreement, a Bahasa Melayu version of the policy is available by clicking the following link.

Financial Ombudsman Scheme. The operator approved to operate the scheme is the Ombudsman for Financial Services OFS , an independent alternative dispute resolution channel covering eligible Malaysia customers.

OFS services are provided free of charge to eligible complainants who may be dissatisfied with PayPal’s resolution. For more information on the timeframe to file the dispute and the types of Award that may be granted by the Ombudsman, please visit www. Withdrawing Funds in Malaysia. If your Account is registered in Malaysia, you may only withdraw funds from your Account by transferring them to your local Malaysian bank account.

Governing Law. For Malaysian residents who register for the PayPal services with a Malaysian address, this user agreement is governed by and interpreted under the laws of Malaysia as such laws are applied to agreements entered into and to be performed entirely within Malaysia. Except as amended by these terms and conditions, all other provisions of the user agreement remain in full force and effect. We may amend this user agreement and any of the policies and other agreements on the Legal Agreements page that apply to users in Malaysia from time to time.

PayPal suspension and termination rights. PayPal, in its sole discretion, reserves the right to suspend or terminate this user agreement, access to or use of its websites, software, systems including any networks and servers used to provide any of the PayPal services operated by us or on our behalf or some or all of the PayPal services, at any time upon notice to you: i if you breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements as they apply to you , or any other agreement between you and PayPal, or ii if we determine, acting reasonably, that we should do so due to other circumstances or reasons.

Our determination shall be final and binding except in the case of manifest error or bad faith. Upon termination of this user agreement, PayPal shall arrange the payment to you of any unrestricted funds held in your PayPal balance. Upon enablement of the withdrawal functionality to a Moroccan bank account with the bank partner of PayPal, you will be required to comply with Moroccan laws and regulations.

Upon enablement of the receive and withdraw functionalities, PayPal will provide you with additional information. If you are using a service “Third Party Service” offered by a PayPal partner bank, licensed foreign-exchange service provider, remittance agent or e-money issuer a “Service Provider” , please see the terms and conditions of the Service Provider for additional information relating to that service. You acknowledge and agree that PayPal may share information provided by you in accordance with PayPal’s Privacy Policy and the terms of the agreement between you and PayPal with the Service Provider in order to enable the Service Provider to conduct the requisite due diligence in accordance with Service Provider’s Know-your-customer KYC obligations.

PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any i failure, interruption, defect, or negligent or willful misuse of a Third Party Service; or ii consequences arising out of any delay or non-receipt of funds withdrawn through a Third Party Service.

If you receive amounts into your PayPal balance from a PayPal user:. Please see the FNB website for more information. Our operating hours are on Business Days from 9am to 5pm.

If you are a Singapore resident, you may have this same information emailed to you by sending a letter to the address above with your email address and a request for this information.

Fees for our services are described in our Fees Table. Your PayPal account can only facilitate payments for goods and services, not personal fund transfers.

For personal accounts, please note that there may be a limit on the total balance which you may hold in all personal accounts or on the total amount of outgoing transactions which may be made from all personal accounts you have with us as prescribed by law or as we may determine. In relation to the PayPal balances of Singapore Resident users, PayPal has arranged for a sum of monies equal to the said PayPal balances to be held through a trust arrangement.

Additionally, if you are an individual or sole proprietor, we are required to inform you of your obligations under the E-Payments User Protection Guidelines published by the Monetary Authority of Singapore as set out below:. Please note that your notification preferences may affect your ability to detect Unauthorised Transactions in a timely manner, and your liability for any Unauthorised Transactions.

In addition to the procedures above, we will complete investigation of any Unauthorized Transaction claim within 21 business days, for straightforward cases or 45 business days, for complex cases.

Complex cases may include cases where any party to the Unauthorised Transaction stays overseas or where we have not received sufficient information from you to complete the investigation. We will provide a written or oral report of the investigation outcome and its assessment of your liability and seek your acknowledgement of the investigation report. We may also require that you furnish a police report before we begin our claims resolution process.

Where you do not agree with our assessment, we may commence other forms of dispute resolution. Your ability to withdraw your PayPal balance to your local bank account may require the opening of a bank account with a PayPal partner bank in Taiwan “Partner Bank” , and using the withdrawal service offered by that Partner Bank “Withdrawal Service”.

Please see the terms and conditions with the Partner Bank for additional information relating to the Withdrawal Service. If for any reason your PayPal balance withdrawal cannot be processed, your funds will be returned to you in USD. You further agree that PayPal shall not be liable to you in relation to any funds which have already been transferred from your PayPal account to the Partner Bank.

PayPal shall not be responsible for any loss or damage incurred or suffered by you on account of any i failure, interruption, defect or negligent or willful misuse of the Withdrawal Service; or ii consequences arising out of any delay or non-receipt of funds withdrawn through the Withdrawal Service. Except to the extent amended by these country specific terms and conditions, all other provisions of the user agreement shall remain in full force and effect.

This fee only applies to merchants who have separate agreements with PayPal. Currency conversion that occurs when sending a Personal or a Commercial Payment or receiving a refund beyond 1 day of the date of the original payment:. Currency conversion that occurs when receiving other payments including Payouts , withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your local currency , adding funds from a bank account to your PayPal account or when transferring funds between your PayPal balances held in different currencies as applicable :.

Currency conversion that occurs when receiving other payments including Payouts , withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your local currency, adding funds from a bank account to your PayPal account or when transferring funds between your PayPal balances held in different currencies as applicable ;.

Currency conversion that occurs when receiving other payments including Payouts , withdrawing funds to your local bank account if your PayPal balance is held in a currency other than your primary currency , adding funds from a bank account to your PayPal account or when transferring funds between your PayPal balances held in different currencies as applicable.

Payments in certain currencies can only be received by automatic conversion of the money into another currency that we allow you to hold. If you receive a payment from anyone who doesn’t have a PayPal account and that payment is in a currency which your account is not currently configured to use, we may automatically convert the amount received into a currency that your account is configured to use at the time the payment is made.

Please see the Withdrawing Money section above to see how withdrawals in different currencies can be made. If one of the currency balances in your account shows that you owe us an amount of funds for any reason, we may set off the amount you owe us by using funds you maintain in a different currency balance or by deducting amounts you owe us from money you receive into your account, or money you attempt to withdraw or send from your account, or in a different account, and by deducting funds from any withdrawals you attempt to make.

If, for a period of 21 days, you have a PayPal balance that reflects an amount owing to us that is not in the opening currency of your account, we may convert the amount you owe us to that opening currency. We may, at our discretion, impose limits on the amount of money you can convert or the number of conversions you can perform.

You are responsible for all risks associated with maintaining multiple currencies in a PayPal account. You may not manage or convert currencies for speculative trading purposes, conversion arbitrage, conversion options, or any other activity that we determine is primarily for the purpose of gaining or making money based on currency conversion rates. We may hold, cancel, or reverse any transaction we determine to violate this policy. Other than as set out below and on the Fees Page, if PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange.

You can access a ” Currency Converter ” tool to see what transaction exchange rate may apply for certain currency conversions. Any rates shown using the Currency Converter tool indicate the applicable rates at the time you use the tool and are subject to change.

Subject to other provisions of the user agreement, when you complete a transaction, the transaction exchange rate applying to the transaction will be shown to you so you can decide to make your payment at that rate or not. In certain circumstances, that transaction exchange rate may apply to the payment for the transaction whenever it is processed; or that rate may be valid only if transaction is processed by the seller within a limited time, as stated prior to the initiation of the transaction.

After that limited time, we may use the transaction exchange rate in effect at the time the transaction is processed by the seller, or not perform the currency conversion. If you have authorized a payment under a billing agreement, or if we cannot communicate with you at the time when you authorize an in-person payment for example because you or the seller does not have connectivity at that time and we perform a currency conversion for that payment, we will use the transaction exchange rate in effect at the time the payment transaction is processed by the seller.

If you are a seller and you have agreed that you will bear the transaction exchange rate rather than the buyer, or if you have a business account and you convert currency in your PayPal account that does not form part of a specific transaction into or out of your account e. Instead, you will pay a currency conversion fee applied on an external base exchange rate, as described on the Fees Page.

The external base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day. When your payment is funded by a debit or credit card and PayPal determines currency conversion is necessary, you consent to and authorise us to convert the currency in place of your debit or credit card issuer. You may have the right to have your card issuer convert the currency of the card payment into the currency in which you send the payment from your PayPal account, if applicable for that card issuer and network.

This selection may be presented to you in various forms, including setting the currency of your card, a choice of which currency is used for the transaction, whether we or your card issuer performs the conversion, or which conversion rate is used for the transaction, among others.

If your card issuer converts the currency, your card issuer will determine the currency conversion rate and what fees they may charge. PayPal will always perform the conversion for transactions where you use existing balance or your linked bank account is the funding source.

If PayPal determines currency conversion is necessary for a transaction that also requires a backup funding source to be chosen, you may not be able to separately choose whether PayPal or your card issuer performs the currency conversion on the payment from your backup funding source.

Where a currency conversion is offered at the point of sale by the merchant, not by PayPal, and you choose to authorise the payment transaction on the basis of the merchant’s exchange rate and charges, PayPal has no liability to you for that currency conversion. Unless your account is restricted you may view and download your PayPal account statement by logging into your PayPal account. You agree to review your transactions through your PayPal account history instead of receiving periodic statements by email.

You will receive important information about your payments and payment receipts by e-mail immediately after a transaction. Your transaction history will also be updated and made available to you at any time by logging into your account. You can also access a downloadable report from your PayPal account.

This will show all fees incurred and any other amounts charged to your PayPal account in the relevant period. The report will only be updated and made available if there has been any activity on your PayPal account or any fees have been incurred in the relevant period.

The way in which we provide the transaction information will allow you to store and reproduce the information unchanged, for example by printing a copy. We charge fees for our services as set out on the fees page relating to the country in which you are registered with us as resident.

Quoted fees are inclusive of all applicable taxes; however, other taxes or costs may exist that are not paid through or imposed by us. You are liable for telephone charges and any charges made by your internet service provider or similar or associated charges as a result of the use by you of our services. We may deduct our fees from your PayPal balance. We may deduct our transaction-related fees from the amounts we transfer before those funds are credited to your PayPal balance.

We will provide you with the details of the amounts you receive and our fees charged either by e-mail or in your transaction history which you can access by logging into your account. If your payment requires you to pay a fee to us, we will subject to the rest of the user agreement disclose that fee to you when you provide your payment instruction to us.

We may make a charge for any additional services we provide outside this user agreement. We will tell you of those charges when you ask for the service.

We may allow you to provide your payment instruction to us in any way which we may notify to you from time to time. The way in which you provide your payment instruction can depend on the type of payment you are making — for example:. We may require you to authenticate your payment instruction i. We may offer you to select certain recipients for a faster payment experience, which makes them a “trusted beneficiary” for your future payments made to that recipient.

We will not normally ask you to log in with password, PIN or similar for these payments when they are made. You can access and edit your list of trusted beneficiaries in your PayPal account at any time. Once you provide your payment instruction to us, you may not cancel it, except if it is a payment instruction under a billing agreement see below for more details. Your payment to another user will leave your account within the Business Day after we receive your complete payment instruction.

A payment instruction is deemed to be received by us when the complete data required for execution of the transaction reaches us. The payment will leave your account within two Business Days if we receive your complete payment instruction:. We may allow you to ask us to make your payment on a specific later date, in which case your payment will leave your account on that later date.

If we allow you to send a payment to someone who does not have a PayPal account, the recipient can claim the money by opening a PayPal account. If the recipient refuses to accept the money or doesn’t open a PayPal account and claim the money within 30 days after the date it is sent, the money including any fees you were charged will be refunded to your PayPal account.

See Refunds to your account for what can happen when your PayPal account receives a refund. We may, at our discretion, impose limits on the amount and value of payments you can make, including money you send for purchases.

You can view any sending limit by logging into your PayPal account. To lift your sending limit, you must follow the steps that we will notify to you or publish from time to time which we may set out in your account overview. When you pay certain sellers or pay for certain purchases for instance, purchases which have to be shipped to you or may be updated and finalised by the seller , you are providing:. Your authorisation will typically remain valid for up to 30 days, but may remain valid for longer.

If you have balance, we may hold the payment amount as pending until the seller collects your payment. If your payment requires a currency conversion by us, the transaction exchange rate will be determined and applied as described in the Currency Conversion section at the time the payment is processed.

Your authorisation allows the seller to update the payment amount before the seller collects the payment to account for any changes to the purchase that you may agree with the seller, such as additional taxes, shipping or postage charges or discounts. We are not required to verify any changes at any time including at the time the payment is transferred. We may transfer any amount on the basis of your authorisation and upon receiving instructions from the seller of the final payment amount.

You can use a billing agreement to manage payments to the same recipient s on an ongoing automatic basis. When you enter into a billing agreement:. Payments made under the billing agreement may be in variable amounts and may be made on various dates. We are not obliged to verify or confirm the amount the recipient presents to us for the purpose of processing payments made under the billing agreement.

You can cancel your billing agreement at any time in your account interface or by contacting us. Where a payment under that billing agreement is scheduled to be made before the end of the next Business Day after you tell us to cancel it, we may cancel your billing agreement after that payment has been made. If you cancel a billing agreement, you may still owe the recipient money for goods or services that you have received but have not paid for.

If we determine currency conversion is necessary for a billing agreement payment, and we perform the conversion, we will use the transaction exchange rate in effect at the time the payment is processed. The transaction exchange rate for each payment transaction may vary. We will return the amount of any refused payment or refunded payment to your balance. We will return the amount of an unclaimed payment to your balance within 30 days after the date you initiated the payment. If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:.

If the original payment you sent involved a currency conversion we will convert the returned amount from the currency received by the recipient as follows:. We may also automatically withdraw the returned amount from your Balance and transfer the funds back to the funding source you used for the original payment. Withdrawals can also involve a currency conversion — see the section on Withdrawing money above. The returned amount could be lower in value than your original payment amount.

This can happen as a result of:. PayPal is not responsible for any loss resulting from the recipient’s decision to refuse or refund your payment, except to the extent that a refund sent by the recipient is a payment executed incorrectly by PayPal. We are not liable to you for the difference between the value of your original payment and the value of the resulting refund, except to the extent that the refund is an incorrect payment see the section on Resolving Problems.

You may select a preferred funding source when logged into your account. Subject to this user agreement, the preferred funding source will be used as the default funding source for payments you send from your account.

The use and priority of these special funding arrangements are subject to further terms and conditions between you and us. Your account overview may show the notional amount available in your special funding arrangements to fund qualifying payments at any given time.

This amount does not constitute electronic money, is not deemed part of your PayPal balance and is not redeemable in cash – it only represents the amount of electronic money which we offer to issue and credit to your account at the time of and only to immediately fund a qualifying payment, subject to and only for the period outlined in the further terms and conditions of use of that special funding arrangement.

If your payment funded by a special funding arrangement is reversed at a later time for any reason, we will keep the amount that represents the portion of that payment that was funded by your special funding arrangement and provided that the special funding arrangement has not already expired reinstate the special funding arrangement.

We will obtain electronic money for the payment you send from your account from the following sources in the following order to the extent they are available:.

If you have linked a bank account as a funding source we may choose to offer you access to Pay After Delivery, which allows you to defer a charge to this bank account for a period of time. If you are offered and choose to use this service, the Pay After Delivery Terms will apply. PayPal’s original determination is considered final, but you may be able to file an appeal of the decision with PayPal if you have new or compelling information not available at the time of the original determination or you believe there was an error in the decision-making process.

PayPal may allow anybody with or without an account to make a payment instruction resulting in the issuance or transfer of electronic money to your account.

The receipt of a payment into your account does not equate to the receipt of cleared funds. A notification that a payment has been sent to you does not amount to a receipt of electronic money in your account unless you have accepted the payment. Where you instead of PayPal offer the payer at the point of sale a currency conversion of an amount you receive through PayPal, you will inform the buyer of the exchange rate and any charges that will be applied to the payment transaction.

PayPal has no liability to any buyer if you fail to inform the buyer of the exchange rate and charges. You acknowledge that if you fail to disclose the exchange rate and charges to the buyer this may constitute a criminal offence by you. Any payment sent to you may be subject to a reversal , payment review , limitation , reserve or hold as allowed under this user agreement. We may, at our discretion, impose limits on the amount and value of payments you can receive, including money you receive for purchases.

To lift your receiving limit, you must follow the steps that we will notify to you or publish from time to time which we may set out in your account overview. We may offer you all, any part or any combination of parts of the checkout solution. If we offer you the checkout solution and you choose to use it, in addition to this user agreement, you agree to the following further terms relating to the following capabilities:.

PayPal does not encourage surcharging because it is a commercial practice that can penalise the consumer and create unnecessary confusion, friction and abandonment at checkout. If, notwithstanding the above, you surcharge a buyer, you, and not we, will inform the buyer of the requested charge.

We are not liable to any buyer where you have failed to inform the buyer of any surcharge. You must treat PayPal as a payment method or mark at least on par with any other payment methods offered at your points of sale, including your websites or mobile applications. This includes at least equal or substantially similar:. In representations to your customers or in public communications, you must not mischaracterise any PayPal service as a payment method or exhibit a preference for other payment methods over any PayPal service.

It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and it is solely your responsibility to assess, collect, report and remit the correct taxes to the appropriate authority. We are not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. If you accept PayPal payments at your physical store, you must communicate the total amount of transaction to the customer before it takes place.

You may charge your customer’s account only for transactions that they have authorised. You must also provide customers with a physical receipt if they request one. You agree that any transaction that you make shall have an accurate and true description of the goods and services being purchased. If you use a QR code to accept payments in your physical store, you must use a QR code intended for goods and services transactions.

You must also not use QR codes for in-person transactions as a method of accepting payment for goods and services transactions occurring online. For any buyer claims related to QR code transactions you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Any such protections may require you to take certain actions and may impact how claims are processed.

We may allow you to authorise certain marketplaces to use your account to pay amounts you owe to the marketplace or to the buyer as the case may be arising from a claim under the terms of the marketplace’s own resolution process, which we call marketplace due amounts. If you give such an authorisation and the marketplace has notified us of the claim, you instruct us to process payments of all and any marketplace due amounts relating to that claim from your PayPal account to that marketplace or to the buyer as the case may be according to the marketplace’s instructions to us.

We may treat your instruction for the payment of any given marketplace due amount as cancelled if we decide that the claim would have been determined in your favour had it been filed as a claim with us. You can also cancel this instruction by contacting us. All claims filed directly with the marketplace are governed by the marketplace’s policy only.

The terms of PayPal Seller Protection do not cover you for claims filed by your buyers directly with the marketplace.

If we determine that you meet the eligibility requirements as set out in the Charity Certification Policy , you will be enrolled with PayPal Giving Fund upon acceptance of this user agreement. Upon acceptance of the Charity User Agreement, you’ll also be opted in to receive communications from PayPal Giving Fund about its programmes. If you think any Credit Card Transaction was not authorized by you, or if you think any error has occurred with respect to a Credit Card Transaction where the Destination is the United States, please contact us using any method provided on our support page as soon as you can for assistance with resolving the issue.

You may also contact the issuer of your credit card Payment Instrument regarding your dispute. If we do not complete a Transaction drawn against a Debit Instrument on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions.

We will not be liable, for instance:. Residents of certain jurisdictions in the United States may also consider the following in the event of a problem:. Notwithstanding the foregoing, residents of certain jurisdictions in the United States should read the following:. RIGHT TO REFUND: You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if PayPal does not forward the funds received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of funds to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you.

If your instructions as to when the funds shall be forwarded or transmitted are not complied with and the funds have not yet been forwarded or transmitted you have a right to a refund. California residents: the above does not apply to claims under Section of the California Financial Code arising from Transactions originating in California.

You and PayPal agree that any claim or dispute at law or equity that has arisen or may arise, out of or relating to the Xoom services or your Xoom account, will be resolved in accordance with the provisions of the Agreement to Arbitrate provisions set forth below. Please read this information carefully.

Among other things it:. If you have a dispute with 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. Any disputes you have regarding the Xoom services may be reported to customer service online through the Xoom Help Center at any time. 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.

Xoom moves your money fast, and keeps your security a top priority. Speed of money transfer service is subject to many factors, including:. Luxembourg B United States PayPal, Inc. We recommend that Senders use the Service only to send money to, reload pre-paid mobile telephone plans for, or pay bills for people you know personally, such as family and friends. You should never use the Service to send requests or money to strangers. Where required by law, PayPal is a licensed or authorized provider of money remittance services.

All money transmission is provided to Senders by PayPal. A “Sender” is someone who uses the Service to send money, make a bill payment or pay for a pre-paid mobile telephone plan reload. A “Recipient” is an individual who receives money from a Sender through the Service.

A “Third-Party Service Company” is a seller of Reloads through Xoom or a utility or other entity that receives a bill payment from a Sender through the Service. A “Beneficiary” is someone for whom a Sender reloads their pre-paid mobile telephone plan or makes a bill payment through the Service. For example, and for illustration purposes only, if you use the Service to pay your relative’s electric bill, your relative is your Beneficiary and the electric company which receives the payment is the Third-Party Service Company for that Transaction.

You understand that the person referred to as “Beneficiary” in this User Agreement may be referred to as the “Recipient” on your Reload or Bill Pay receipt. The “Payout Amount” is the amount paid out to the Recipient or Third-Party Service Company, excluding any taxes or charges that may be levied under the laws of the Destination and deducted from the Payout Amount the “Local Taxes”. All Transaction Fees defined herein related to the Service are made free and clear of, and without any deduction or withholding for and on account of, any taxes, duties or other deductions.

Any such deduction or withholding, if required by the laws of any country are your sole responsibility. Eligible Users. In order to access or use the Service as a Sender, you must be i at least eighteen 18 years old or the age of majority in your country, and ii able to form legally binding contracts.

Please go to the relevant section for your country specific provisions, which can be found between Part C — F, for further information about age of majority. Only natural persons are eligible to use the Xoom service. Mobile Services. The Service is also accessible via a mobile device. If you access the service through a mobile device, your wireless service carrier or mobile network operator’s standard charges, data rates and other fees may apply.

Bill Pay Beneficiary Consents. You confirm that your Beneficiary has consented to you to accessing his or her account information and permitted PayPal to collect and verify information about him or her. Xoom is a different service than the PayPal service. Your Xoom Account will be accessible using your PayPal credentials. We may, in our sole discretion, refuse Transactions funded from certain Payment Instruments and you understand that it is not guaranteed that any or all of the Payment Instruments you have stored in your PayPal account will be available for use when using Xoom to complete your Transaction.

Xoom will provide your Transaction history on the transaction history page. Please check the statement for each Payment Instrument you used to pay for a Transaction to see when it was debited to that Payment Instrument. Not Available to Certain Users. The Service may not be available in whole or in part in different countries and jurisdictions as determined by local laws and regulations or if we reasonably determine that providing the Service in a particular country or jurisdiction presents an unacceptable level of risk to us, our users or our systems.

Not Available for Certain Transactions. We may, at any time and in our sole discretion, refuse any Transaction. This may include Transactions from certain Senders, for certain Beneficiaries or to certain Recipients or Service Companies, including without limitation, entities and individuals that are included on the Specially Designated Nationals list, Non-cooperative Countries and Territories list, United Nations Security Council Sanctions List, and such other lists as may be issued from time to time by government agencies.

We may also, at any time and in our sole discretion, limit the amount to be transferred on a per Transaction basis or an aggregated basis without prior notice. Any such limits may be imposed on individual Xoom accounts or on related Xoom accounts or households.

We may reject or limit Transactions based on violations of this User Agreement, local laws and regulations or if we reasonably determine processing a Transaction presents an unacceptable level of risk to us, our users or our systems. Transaction Fees. For each Transaction that you submit, you agree to pay Xoom’s transaction fee the “Transaction Fee” , if applicable, plus the Transaction Amount. Any Transaction Fee will be disclosed to you prior to you authorizing a Transaction.

For Send Money transactions, you can also directly go to the Fee Calculator current Transaction Fees and foreign exchange rates. For each Reload Transaction that you submit, you agree to pay the applicable Third-Party Service Company fees disclosed to you prior to you authorizing a Transaction. Foreign Currency Exchange Rate. We and our Service Providers defined below usually make money when you pay for a Transaction in one currency and the Transaction is paid out in another currency.

We usually make money based on the difference between the exchange rate at which we buy foreign currency and the exchange rate provided to you. If a foreign currency exchange rate applies, it will be disclosed to you prior to you authorizing a Transaction.

Reloads are priced by the Third-Party Service Provider in the foreign currency of the Carrier defined below. We will display a local currency price for those Reloads based on an exchange rate that Xoom determines.

We and the Third-Party Service provider make money based on the difference between the local currency price we quote to you and the foreign currency price the Third-Party Service Provider pays for foreign Reloads.

Before you authorize the purchase of a foreign Reload from the Third-Party Service Provider, we will disclose to you the Reload Price in local currency, the Reload amount in foreign currency as applicable , and the exchange rate Xoom applies to calculate the Reload price. Local Taxes. There may be Local Taxes in certain receive countries. Local Taxes will be disclosed to you prior to you authorizing a Transaction, to the extent required by law.

Other Charges. We are not responsible for any fees or charges that may be imposed by the financial institutions associated with your Payment Instruments. For example without limitation , your credit card issuer may charge you a cash advance fee and interest if you use a credit card as a Payment Instrument.

We are not responsible for any such fees, nor are we responsible for non-sufficient funds charges, chargeback fees, or other similar charges that might be imposed on you by your bank, credit or debit card issuer, or other provider in connection with your use of the Service.

If you submit a Transaction that results in us being charged non-sufficient fund fees, chargeback fees, or other similar fees, you agree to reimburse us for all such fees. Payment is due at the time your Transaction is submitted for processing although we may choose not to debit your Payment Instrument immediately. In order for us to collect payment from you and complete your Transaction, you authorize us to access, charge, electronically transfer, or debit funds from any of the payment instruments you provide us in connection with your use of the Service each, a “Payment Instrument” including, for example, your credit card, debit card, bank account or PayPal balance.

Once you fill out a customer service form and hit “send,” the process is out of your hands. And if there are errors on the form, there’s no telling where it might end up or when you’ll get a response. There’s no reason you should have to struggle to get your Xoom account closed.

DoNotPay has perfected the skills to delete accounts, no matter how difficult companies make the process. If you want to delete a Xoom account but don’t want to deal with the process, just follow these 7 simple steps:.

If you’re struggling with an online account, remember that deleting accounts isn’t the only service DoNotPay can offer. Our system is fast, easy, and does the job across many different platforms. If you open a Balance Account you will be able to hold a balance, and use balance to send and receive money, buy things online using mobile devices or in stores, and make payments, among other benefits.

You can only open a Balance Account if you have a personal PayPal account in good standing, and you can only use your Balance Account by accessing it through your personal PayPal account.

We will automatically link your Balance Account to your personal PayPal account. Your login credentials for your personal PayPal account act as the credentials to access your Balance Account. Before you can open a Balance Account, we must verify or have previously verified the required identifying information that you provide to us.

The required identifying information is: name, physical address, date of birth and taxpayer identification number. You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers, or any other codes that you use to access your Balance Account and the PayPal services. You must keep your mailing address, email address and other contact information current in your PayPal profile.

You can close your Balance Account without closing your personal PayPal account but you cannot close your personal PayPal account without closing your Balance Account.

You can terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your Balance Account and personal PayPal account even after those accounts are closed.

You must withdraw or transfer any funds held in a Balance Account before closing the Balance Account. As described in more detail below, here are some of the things you can do with a Balance Account:. You may transfer money into your Balance Account from any bank account linked to your personal PayPal account by requesting an electronic transfer from your bank account.

Money sent by someone else to your personal PayPal account will automatically be placed in your Balance Account. To receive money in a currency your Balance Account is not currently configured to accept, it may be necessary to create a balance in your Balance Account in that currency or convert the money into another currency.

Certain currencies can only be received by converting the money into another currency that PayPal allows you to hold. You can load funds into your Balance Account at retail stores, or you can load funds into it using the remote check capture feature where that feature is available.

Remote check capture may not be available in all locations. If any fees are charged for in-store cash reload and remote check capture transactions, they can be found in the PayPal Balance Long Form Disclosure.

You may arrange to have all or part of your paycheck or any federal or state government benefit or payment e. To enroll, you will need to provide your employer or the government payer, as applicable, with the account and routing numbers found in the Direct Deposit section available in the PayPal app. Your employer or government payer may also ask you to fill out their own direct deposit form.

We do not charge any fees to set up or maintain Direct Deposit. We may offer early access to Direct Deposit funds to eligible customers. Funds transferred via Direct Deposit generally will be available on the day the funds are applied to your account. Because we do not receive funds via Direct Deposit instantly, there will be some delay between the payment being initiated by the payer and the payment arriving at PayPal.

For example, Direct Deposit of funds may be delayed for several days in the event of a federal or bank holiday. You may review your periodic statements or transaction history on paypal.

Funds added to your account via Direct Deposit, including funds added using a Bancorp account and routing number, are transferred to and held by Wells Fargo Bank, N.

We reserve the right to accept, reject, or limit transfers via Direct Deposit in our sole discretion. If you wish to cancel Direct Deposits, you must contact the payer directly. If your Balance Account is not eligible for FDIC pass-through insurance, PayPal combines your Balance Account balance with the balances of other Balance Account holders and invests those funds in liquid investments in accordance with state money transmitter laws.

PayPal owns the interest or other earnings on these investments. However, the claim against PayPal represented by your balance held in your Balance Account is not secured by these investments and you do not have any ownership interest either legal or beneficial in these investments. If your Balance Account is eligible for FDIC pass-through insurance, PayPal will hold these funds as your agent and custodian, and you will be the ultimate beneficial owner of the funds. PayPal customer funds in these custodial accounts are eligible for pass-through FDIC insurance coverage.

Note that the FDIC insurance maximum applies to the aggregate of all funds that you have on deposit in all accounts you have with the same bank in a particular FDIC ownership category. For example, if you have a Balance Account and a Venmo account that are both held in your individual capacity and you qualify for pass-through FDIC insurance in both accounts, any balances you maintain in those accounts will be aggregated for purposes of FDIC limits to the extent we place those funds in the same bank.

If the total balances you have at any bank exceeds FDIC insurance limits, the amount in excess of those limits could be lost if the bank fails. When we provide immediate or early credit of funds sent to your Balance Account, there might be a delay between the time that funds are credited and when we actually transfer those funds to one of the custodial accounts.

That amount might not be insured by the FDIC in your name during this period, but we will still hold the funds as your agent and custodian in investments authorized by our state regulators.

FDIC insurance coverage is contingent upon our maintaining accurate records and on both us and the bank in which the funds are deposited otherwise complying with requirements in FDIC regulations. The determinations of whether these requirements have been satisfied and whether you are eligible for insurance coverage will be made by the FDIC at the time that a bank holding a custodial account fails. As stated above, you will not receive interest or any other earnings on funds held in these custodial accounts and you agree that any interest or credits that may be earned on funds in a custodial account belongs to PayPal.

It does not apply to funds held in any non-U. Your Balance Account balance may be held in currencies other than U. You are responsible for all risks associated with maintaining multiple currencies in a Balance Account. You may not manage multiple currencies for speculative trading purposes, conversion arbitrage, conversion options, or any other activity that PayPal determines is primarily for the purpose of gaining or making money based on currency conversion rates.

PayPal may hold, cancel, or reverse any transaction we determine to violate this policy. You can also use your Balance Account to hold certain cryptocurrencies if eligible. Cryptocurrency eligibility and other specific terms and conditions can be found in the PayPal Cryptocurrencies Terms and Conditions. To protect us and our users from loss, we may delay a withdrawal, in certain situations, including if we need to confirm that you have authorized the withdrawal or if other payments to your Balance Account have been subject to a reversal for example, as a result of a chargeback, bank reversal or dispute by a buyer.

If we place a limitation on your personal PayPal account, a payment is subject to a hold, or your Balance Account or an associated account has a negative balance in any currency while a withdrawal from your Balance Account is pending, you will have to reinitiate the withdrawal once the limitation or hold has been lifted, or negative balance is fully paid.

We may set limits on your withdrawals, and you can view any withdrawal limit by logging into your personal PayPal account. If your debit card or bank account linked to your personal PayPal account is eligible to receive Instant Transfer withdrawals from your Balance Account, you will be provided the option to use it when you transfer money out of your account, subject to the fees applicable to such transfers that can be found on the PayPal Balance Long Form Disclosure and that will be disclosed to you in advance each time you initiate such a transfer.

When you withdraw funds in your Balance Account from an ATM using a PayPal-branded debit card, you may be charged a fee by the owner of the ATM and an additional fee per the terms of your Cardholder Agreement that can be found on the Legal Agreements page.

Other withdrawal limits also apply to the use of your PayPal-branded debit card. Please refer to the applicable Cardholder Agreement for details that can be found on the Legal Agreements page. We will not send a check to a post office box, and we will only send a check to an address once we have confirmed that it belongs to you.

PayPal will always perform the conversion for transactions where your Balance Account is the funding source for a transaction using your personal PayPal account. When PayPal converts currency, it will be completed at the transaction exchange rate we set for the relevant currency exchange.

The transaction exchange rate is adjusted regularly and includes a currency conversion spread applied and retained by us on a base exchange rate to form the rate applicable to your conversion. The base exchange rate is based on rates within the wholesale currency markets on the conversion day or the prior Business Day ; or, if required by law or regulation, set at the relevant government reference rate s. For some uses of your Balance Account, PayPal may determine currency conversion is necessary.

The applicable currency conversion spread can be found on our Fees page under the heading Currency Conversions.

You have the right to receive an account statement showing your Balance Account activity. You may view your Balance Account statement by logging into your personal PayPal account.

Balance Account holders will receive two statements: one showing all transactions in their personal PayPal account and an additional statement showing only transactions involving their Balance Account. If the person to whom you are sending money does not have a PayPal account, they can claim it by opening a PayPal account.

We may, at our discretion, impose limits on the amount of money you can send, including money you send for purchases. You can view any sending limit by logging into your personal PayPal account. When you send money to a friend or family member who has a PayPal account one of two things may happen: they may accept or decline the money. If you use your linked Balance Account as the funding source and they decline to accept the money, the money including any fees you were charged will be refunded to your Balance Account.

The fees applicable to sending money can be found on the PayPal Balance Long Form Disclosure see Exhibit 1 to these terms and conditions and will be disclosed to you in advance each time you initiate a transaction to send money to a friend or family member.

PayPal Savings will be linked to your PayPal account. Transfers from your PayPal Savings to your PayPal balance will generally be available in your Balance Account immediately upon transfer from your PayPal Savings even though we do not receive funds transferred from your PayPal Savings instantly.

 
 

 

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We must hear from you no later than days from the date we promised to how to delete my xoom paypal account – none: that funds would be made available to the Recipient, as provided in the Non-U. What is not considered an Unauthorized Transaction The following are NOT considered Unauthorized Transactions: If you give someone access to your PayPal account by giving them your login information and they use your PayPal account without your knowledge or permission. You must check all correspondence between us carefully and tell us as soon as possible if it oaypal something which appears to you to be wrong or not made in accordance with your instructions.

 
 

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Language and Translations. If a holiday falls on a Saturday, PayPal observes the holiday on the prior Friday. PayPal will always perform the conversion for transactions where your Balance Account is the funding source for a transaction using your personal PayPal account. Receiving payments If a friend or family member sends funds to you, the funds will appear in your PayPal balance. Remember, you always have the choice to select any payment method in your PayPal account by clicking the “Change” link on the Send Payments page. Opt-Out Procedure If you are a new PayPal customer, you can choose to reject this Agreement to Arbitrate by mailing us a written opt-out notice.