Is PayPal's Terms of Service safe?

Top concerning points

1. 1.

   You waive your moral rights

   blocker

   High

   Moral rights are rights to creators of literary, dramatic, musical and artistic works, as well as directors of films. "The moral rights include the right of attribution, the right to have a work published anonymously or pseudonymously, and the right to the integrity of the work. The preserving of the integrity of the work allows the author to object to alteration, distortion, or mutilation of the work that is "prejudicial to the author's honor or reputation". Anything else that may detract from the artist's relationship with the work even after it leaves the artist's possession or ownership may bring these moral rights into play. Moral rights are distinct from any economic rights tied to copyrights. Even if an artist has assigned his or her copyright rights to a work to a third party, he or she still maintains the moral rights to the work." -Wikipedia In general, any terms that use the exact words "moral rights" as rights that are waived will fall under this Case.

   Source quote / document
2. 2.

   Your personal data is used for automated decision-making, profiling or AI training

   blocker

   High

   Personal data or content you share with the service may be processed to make decisions by automated means without human involvement. This includes profiling, which is any form of automated processing of your information to analyse or predict things like your economic situation, health, personal preferences or interests; as well as Artificial Intelligence training.

3. 3.

   Sensitive data is collected and shared to target advertising

   blocker

   High

   Sensitive data refers to information requiring special protection, such as health data, political and religious beliefs, ethnic origins, sexual life and financial information. The service collects and shares this data with third parties for advertising or marketing.

4. 4.

   Your data is collected even if you did not interact with the service directly

   blocker

   High

   Some services store data on you even if you did not provide that data yourself. For example, users might provide access to their address book, after which a service might also store the phone numbers of that person's contacts.

5. 5.

   You may still be tracked even after opting out from tracking

   blocker

   High

   Users can’t fully opt out of tracking technologies used for non essential purposes such as advertising, marketing or analytics. The user may be asked for consent for installing some tracking technologies on the device, and even if all are rejected the service will still track its visitors and ignore the choice.This case doesn’t apply to functional cookies that are necessary to provide the services.

6. 6.

   Changes in policies are applied retroactively

   blocker

   High

   This service requires that your behavior, and/or content, complies with the newest version of the regulations regardless of the time at which you have submitted it.

7. 7.

   The court of law governing the terms is in a jurisdiction that is less friendly to user privacy protection.

   bad

   High

   The Terms are governed by the applicable laws of a jurisdiction known for weak data regulations and poor user privacy protection. Usually contributors will need to explain in the Analysis view of each point linked to this Case the reason why it shall be applied.

   Source quote / document
8. 8.

   Your personal information is used for many different purposes

   bad

   High

   Personal Data can be processed for many reasons, including non essential processing such as for advertising, marketing and analytics purposes.

Frequently asked questions

What is PayPal's ToS;DR privacy grade?

ToS;DR rates PayPal as Grade E. Grades range from A (best) to E (worst). See the full breakdown on ToS;DR.

Is PayPal's Terms of Service safe?

ToS;DR's Grade E means the terms raise serious concerns. Read the blocker and bad points carefully before accepting.

What is a top concern in PayPal's terms?

You waive your moral rights — Moral rights are rights to creators of literary, dramatic, musical and artistic works, as well as directors of films. "The moral rights include the right of attribution, the right to have a work published anonymously or pseudonymously, and the right to the integrity of the work. The preserving of the integrity of the work allows the author to object to alteration, distortion, or mutilation of the work that is "prejudicial to the author's honor or reputation". Anything else that may detract from the artist's relationship with the work even after it leaves the artist's possession or ownership may bring these moral rights into play. Moral rights are distinct from any economic rights tied to copyrights. Even if an artist has assigned his or her copyright rights to a work to a third party, he or she still maintains the moral rights to the work." -Wikipedia In general, any terms that use the exact words "moral rights" as rights that are waived will fall under this Case. (Source: ToS;DR approved point).

Where can I read PayPal's official terms?

ToS;DR tracks "PayPal Local Payment Methods Terms" at https://www.paypal.com/sg/webapps/mpp/ua/lpm-tnc. Always prefer the official document over summaries.