New PayPal Privacy Policy

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New PayPal Privacy Policy

Postby Pavel Bure on Mon Oct 29, 2012 4:12 pm

Anyone else get this e-mail? Talking about any disputes you have with PayPal will be arbitrated by PayPal themselves, all decisions final, and you can't participate in any class action or actual legal disputes that may arise against PayPal. They talk about opting out but reading this over and doing a "Control+F" for "opt" there's no where to opt out and they don't say what happens if you opt out. Do any of you understand this better than me?

PayPal recently posted a new Policy Update which includes changes to the PayPal User Agreement. The update to the User Agreement is effective November 1, 2012 and contains several changes, including changes that affect how claims you and PayPal have against each other are resolved. You will, with limited exception, be required to submit claims you have against PayPal to binding and final arbitration, unless you opt out of the Agreement to Arbitrate (Section 14.3) by December 1, 2012. Unless you opt out: (1) you will only be permitted to pursue claims against PayPal on an individual basis, not as a plaintiff or class member in any class or representative action or proceeding and (2) you will only be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual basis.

You can view this Policy Update by logging in to your PayPal account. To log in to your account, go to https://www.paypal.com and enter your member log in information. Once you are logged in, look at the Notifications section on the top right side of the page for the latest Policy Updates. We encourage you to review the Policy Update to familiarize yourself with all of the changes that have been made.

If you need help logging in, go to our Help Center by clicking the Help link located in the upper right-hand corner of any PayPal page.

Sincerely,

PayPal




Edit: Christ talk about jumping through hoops. Is this anything to really be concerned about?

Opt-Out Procedure.

You can choose to reject this Agreement to Arbitrate ("opt out") by mailing us a written opt-out notice ("Opt-Out Notice"). For new PayPal users, the Opt-Out Notice must be postmarked no later than 30 Days after the date you accept the User Agreement for the first time. If you are already a current PayPal user and previously accepted the User Agreement prior to the introduction of this Agreement to Arbitrate, the Opt-Out Notice must be postmarked no later than December 1, 2012. You must mail the Opt-Out Notice to PayPal, Inc., Attn: Litigation Department, 2211 North First Street, San Jose, CA 95131.

The Opt-Out Notice must state that you do not agree to this Agreement to Arbitrate and must include your name, address, phone number, and the email address(es) used to log in to the PayPal account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the User Agreement, including all other provisions of Section 14 (Disputes with PayPal), will continue to apply. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with us.
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Re: New PayPal Privacy Policy

Postby Sarcastic on Mon Oct 29, 2012 4:14 pm

SHYSTER. WHERE IS SHYSTER.
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Re: New PayPal Privacy Policy

Postby Shyster on Mon Oct 29, 2012 4:48 pm

Paypal is changing its terms and conditions as permitted by the United States Supreme Court in the 2011 case AT&T Mobility LLC v. Concepcion, 131 S.Ct. 1740, 563 U.S. ___ (2011). The question in that case was whether the Federal Arbitration Act preempted state laws that did not permit companies to have their customers sign contracts that excluded class-action arbitration. For example, California has (well, had) a law that the California Supreme Court interpreted as not allowing companies to enter into arbitration agreements that forced their customers to waive their right to class action. The United States Supreme Court held that the Federal Arbitration Act does preempt those state laws, and consequently companies can now require their customers to sign arbitration agreements that require everything to be arbitrated on an individual—not collective—basis.

Opponents argue that AT&T Mobility makes it much harder to undertake class-action suits and decreases the likelihood of companies like Paypal being held accountable for their actions. Say, for example, that Paypal does something that cheats me out of $30. No lawyer would represent me for such a pittance. But if Paypal cheated a million people out of $30, then that would certainly be worth a lawyer’s time. Under Paypal’s new User Agreement, however, those million people would each have to arbitrate individually.

Bottom line: last year the United States Supreme Court opened the door for companies to make it much harder for people to obtain judicial relief if the company does something that causes a small amount of monetary damages to a large pool of people. Paypal is now walking though that open door by publishing a new User Agreement that says you agree to give up any right to take class action unless you opt out.
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Re: New PayPal Privacy Policy

Postby Pavel Bure on Mon Oct 29, 2012 5:17 pm

I see, that's just silly, but I guess I'm going to jump through the opt out hoop. Of course they don't make it an easy online click to opt out like they do say to accept the conditions.
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Re: New PayPal Privacy Policy

Postby LeopardLetang on Mon Oct 29, 2012 5:48 pm

Pavel Bure wrote:I see, that's just silly, but I guess I'm going to jump through the opt out hoop. Of course they don't make it an easy online click to opt out like they do say to accept the conditions.



seriously. that should be a lawsuit itself.
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Re: New PayPal Privacy Policy

Postby tifosi77 on Mon Oct 29, 2012 6:14 pm

I just went through shenanigans with PayPal, and verifying my identity.

Found a t-shirt I wanted to buy online, but the vendor only accepted PayPal. It had been a while since I used my account, and when I went to add funds I was prompted with all manner of requests to verify my ID. (Uploading a photocopy of my drivers license, etc) So I did, but then my account was promptly borked and delivered a message saying that "We were unable to confirm your personal information at this time. To find out what we need from you, go to the Resolution Center." So off to the Resolution Center with me, but there were no active items for me to select, nor was there an option to add one manually.

Called customer (no)service and was in robo-hell for about 10 minutes (the kind where it asks you what the nature of your call is, and then never repeats it back accurately) before finally getting a human on the phone. This human swore up and down that there was no problem with my account, and that since I had a bank account linked to the account I could still use PayPal. I said I knew that, but that doesn't explain why I am getting an error message about verifying personal information. About 10 more minutes of this finally yielded the comment that they were updating their website and services and the error message should go away on its own. Eventually. Meanwhile, I still can't add money to my PayPal account.
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Re: New PayPal Privacy Policy

Postby Pavel Bure on Mon Oct 29, 2012 7:17 pm

Yeah they slapped me on the wrist a couple months ago for taking fantasy payments through it.
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Re: New PayPal Privacy Policy

Postby tifosi77 on Mon Oct 29, 2012 7:29 pm

I had to kick two people out of the picks pool at work. They are from a satellite office (near San Fran) and they actually called our IT Help Desk to find out when the new week's picks sheet would be available. One did it twice. And I thought they were paying cash to a co-worker - the VP of HR (who also once called the Help Desk for picks assistance) - who is up in that office a couple days a week..... but I later found out they were mailing their payments.
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