PayPal vs Wikimedia Foundation: whose terms are worse?

Disputes with PayPal will be resolved through arbitration, not in court. This means you won't be able to sue PayPal or participate in a class-action lawsuit.

If you have a dispute with Wikimedia related to paid editing, you may be required to participate in a binding mediation.

When you contribute to Wikimedia projects, you must license your contributions under a free license, such as CC BY-SA 4.0, so that others can reuse them.

If you request a check from PayPal, you must cash it within 180 days or the funds will be returned to your account and you'll lose the $1.50 fee.

If you have a dispute with Wikimedia, you must bring it to their attention within one year or you will not be able to make a claim. If your dispute is related to paid editing, you may be required to participate in a binding mediation.

PayPal can change its terms at any time, and you're bound by those changes if you keep using the service. You'll get at least 21 days' notice if the changes affect personal accounts, or 5 days' notice for business accounts.

Wikimedia can change these terms of use at any time, but they will give you at least 30 days' notice.

If PayPal's outage or other issue costs you money, the most you can get back is what you paid them last month. This limit applies even if the problem was PayPal's fault.

If their outage costs you money, the most you can get back is $1,000. This is the maximum amount that Wikimedia is liable for.

PayPal can close your account at any time, with or without notice. If this happens, you'll still be responsible for any outstanding fees or debts.

Wikimedia can block your account or access to their services at any time, and this decision is final.

PayPal may ask for your tax ID number or other tax-related information to comply with tax laws. You're responsible for paying any taxes owed on your PayPal transactions.

PayPal will keep your money separate from its own funds, so if the company goes bankrupt, your balance should be safe. However, this protection doesn't apply to cryptocurrency holdings.

Wikimedia may retain some of your data, but the details of their data retention policies are not clear.

PayPal may convert your money to a different currency if necessary, using its own exchange rate. You can't use PayPal for speculative trading or trying to profit from currency conversions.

Wikimedia may transfer their rights and obligations to another organization, but the implications of this are not clear.

Any disputes with Wikimedia will be dealt with under the laws of California.