Several clauses work against you. Risk score 34/100 · 8 clauses that matter · 1 high risk
PayPal can change its terms at any time, and you're bound by them if you keep using the service after the change.
If you have a balance in your PayPal account, it's not FDIC-insured, and you won't earn interest on it.
“Any balance in your Balance Account and any funds sent to you which have not yet been transferred”
Receiving Funds, Holding a Balance, or Transferring Funds
PayPal can change its terms at any time, and you're bound by them if you keep using the service after the change. You'll get notice of changes, but you have to check for them.
“We may revise this agreement”
About Your Account
PayPal can close your account, and if it does, you'll still be responsible for any obligations related to your account.
“PayPal may close your account”
Personal accounts
If there's a limitation or hold on your account, you might have to wait to withdraw your money.
“you will have to reinitiate the withdrawal once the limitation or hold has been lifted”
Restrictions on transfers or withdrawals from PayPal accounts
PayPal can change its fees at any time, and you'll be charged the new fees if you keep using the service.
“Fees for Add Cash at Store and Cash a Check transactions can be found in the Fee pages”
Business accounts
You can add funds to your business account at participating retail stores.
“We may allow you to add funds to your business account at participating retail stores”
Business accounts
PayPal says it won't use your funds for its operating expenses, but this clause is a bit unclear.
“We will neither use these funds for its operating expenses”
Business accounts
PayPal may update your payment method information using third-party sources.
“We may update it using information and third-party sources”
Link or Unlink a Payment Method
Generated by AI and it can be wrong. Every point links to the source clause so you can check it. This document was last read on September 15, 2026. Read the original.