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Date: Thu, 13 Feb 2025 01:41:32 -0800
Message-ID: <33.57.02562.C4EBDA76@ccg14mail01>
MIME-Version: 1.0
From: "service@paypal.co.uk" <service@paypal.co.uk>
To: Vince Herbert <paypal@showfile.com>
Subject: APP Fraud Rules and Protection
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tyle>=0A </head>=0A=0A <body>=0A <h4 id=3D"preHeader" style=3D"display=
:none;color:#F5F7FA;font-size:0px;line-height:0px">We would like to inform =
you about important APP Fraud rules.</h4>=0A <table cellPadding=3D"0" ce=
llSpacing=3D"0" border=3D"0" width=3D"100%" role=3D"presentation">=0A =
<tbody>=0A <tr>=0A <td bgcolor=3D"#F5F7FA" style=3D"font-si=
ze:0px"></td>=0A <td bgcolor=3D"#F5F7FA" width=3D"640" align=3D"ce=
nter" class=3D"mobContent">=0A <table cellPadding=3D"0" cellSpac=
ing=3D"0" border=3D"0" width=3D"100%" dir=3D"ltr" role=3D"presentation">=0A=
<tbody>=0A <tr>=0A <td>=0A =
<table cellPadding=3D"0" cellSpacing=3D"0" border=3D"0" wi=
dth=3D"100%" role=3D"presentation">=0A <tbody>=0A =
<tr>=0A <td>=0A =
<table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" borde=
r=3D"0" dir=3D"ltr" style=3D"background:#fff" role=3D"presentation">=0A =
<tbody>=0A <tr>=0A=
<td align=3D"center" style=3D"color:#9294=
96;font-weight:450;font-size:12px;line-height:9px;padding:10px 0px"><span>D=
ear Vince Herbert</span></td>=0A </tr>=0A =
</tbody>=0A </table>=
=0A </td>=0A </tr>=0A =
<tr>=0A <td>=0A =
<table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=
=3D"0" dir=3D"ltr" role=3D"presentation">=0A <=
tbody>=0A <tr>=0A =
<td align=3D"center" style=3D"padding:24px 24px 40px 24px"><img src=
=3D"https://www.paypalobjects.com/digitalassets/c/system-triggered-email/n/=
layout/images/ppe/pp-logo_x2.png" style=3D"display:block" border=3D"0" widt=
h=3D"51" height=3D"51" alt=3D"PayPal" title=3D"PayPal" /></td>=0A =
</tr>=0A </tbody>=0A =
</table>=0A </td>=0A =
</tr>=0A </tbody>=0A =
</table>=0A </td>=0A </tr>=0A =
</tbody>=0A </table>=0A <table cellPadding=3D"0" =
cellSpacing=3D"0" border=3D"0" width=3D"100%" class=3D"ppsans" dir=3D"ltr" =
role=3D"presentation">=0A <tbody>=0A <tr>=0A =
<td width=3D"640" valign=3D"top">=0A <tab=
le width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0" role=3D"=
presentation">=0A <tbody>=0A <t=
r>=0A <td align=3D"center" style=3D"padding:0px 24=
px 40px 24px;word-break:break-word">=0A <p class=
=3D"ppsans" style=3D"font-size:42px;font-weight:900;line-height:46px;color:=
#000;margin:0"><span>APP Fraud Rules</span></p>=0A =
</td>=0A </tr>=0A </tbody>=0A =
</table>=0A <table width=3D"100%" cel=
lPadding=3D"0" cellSpacing=3D"0" border=3D"0">=0A <tbo=
dy>=0A <tr>=0A <td class=3D=
"ppsans" style=3D"padding:0px 24px 24px 24px">=0A =
<p class=3D"ppsans" style=3D"font-size:14px;line-height:20px;color:#00000=
0;margin:0;word-break:break-word" dir=3D"ltr"><span>We want to let you know=
about important rules that might help to protect you in the event you are =
a victim of Authorised Push Payment (APP) Fraud.</span></p>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A <table width=
=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0" role=3D"presenta=
tion">=0A <tbody>=0A <tr>=0A =
<td style=3D"padding:0px 24px 20px 24px">=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"=
0" border=3D"0">=0A <tbody>=0A =
<tr>=0A <td align=3D"cente=
r" valign=3D"top">=0A <p style=3D"font-s=
ize:20px;line-height:28px;color:#000000;margin:0" dir=3D"ltr"><span>What is=
an APP Fraud=3F</span></p>=0A </td>=0A =
</tr>=0A </tbody>=
=0A </table>=0A </td>=
=0A </tr>=0A </tbody>=0A =
</table>=0A <table width=3D"100%" cellPaddi=
ng=3D"0" cellSpacing=3D"0" border=3D"0">=0A <tbody>=0A=
<tr>=0A <td class=3D"ppsan=
s" style=3D"padding:0px 24px 24px 24px">=0A <p c=
lass=3D"ppsans" style=3D"font-size:14px;line-height:20px;color:#000000;marg=
in:0;word-break:break-word" dir=3D"ltr"><span>APP Fraud is a type of fraudu=
lent activity though which someone tricks or deceives you into sending a pa=
yment to a fraudster. This may result in you authorising a payment for good=
s that you never receive or to a person other than whom you believed you we=
re paying.</span></p>=0A </td>=0A =
</tr>=0A </tbody>=0A </table=
>=0A <table width=3D"100%" cellPadding=3D"0" cellSpacing=
=3D"0" border=3D"0">=0A <tbody>=0A =
<tr>=0A <td class=3D"ppsans" style=3D"padding:=
0px 24px 24px 24px">=0A <p class=3D"ppsans" styl=
e=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-break:brea=
k-word" dir=3D"ltr"><span>Common features of APP Fraud may include a reques=
t to designate a payment for friends and family when you=E2=80=99re being o=
ffered goods or services, offers that are "too good to be true," pleas for =
sympathy or to act urgently, or the appearance that you=E2=80=99re paying a=
trusted person or institution. Learn more about APP Fraud in our <a href=
=3D"https://www.paypal.com/uk/security/learn-about-scams=3Fv=3D1&utm_source=
=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db547bb7d-e9e=
e-11ef-8cfa-eb648932e115&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&=
cust=3DPC45GY4U56R8L&unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&calc=3Dd=
f93ca176ecc6&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART0032=
23&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.30=
6.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dsecurity_=
learn-about-scams" target=3D"_blank" style=3D"text-decoration:none">Securit=
y Centre</a>.</span></p>=0A </td>=0A =
</tr>=0A </tbody>=0A </ta=
ble>=0A <table width=3D"100%" cellSpacing=3D"0" cellPadd=
ing=3D"0" border=3D"0" role=3D"presentation">=0A <tbod=
y>=0A <tr>=0A <td style=3D"=
padding:0px 24px 20px 24px">=0A <table width=3D"=
100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A =
<td align=3D"center" valign=3D"top">=0A =
<p style=3D"font-size:20px;line-height:28px;color:#000=
000;margin:0" dir=3D"ltr"><span>The APP Fraud rules</span></p>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=
=0A </td>=0A </tr>=0A =
</tbody>=0A </table>=0A =
<table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=3D"0">=
=0A <tbody>=0A <tr>=0A =
<td class=3D"ppsans" style=3D"padding:0px 24px 24px 24px">=
=0A <p class=3D"ppsans" style=3D"font-size:14px;=
line-height:20px;color:#000000;margin:0;word-break:break-word" dir=3D"ltr">=
<span>On 7 October 2024, new rules came into force that protect payments ma=
de by individuals, micro-enterprises or small charities where these are mad=
e through the Faster Payments or CHAPS systems. PayPal uses these systems t=
o send money from your PayPal account to your bank account. Under these rul=
es, you may be entitled to be refunded where you have lost money due to APP=
Fraud on or after 7 October 2024, up to a maximum of =C2=A385,000 per clai=
m.</span></p>=0A </td>=0A <=
/tr>=0A </tbody>=0A </table>=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" b=
order=3D"0" role=3D"presentation">=0A <tbody>=0A =
<tr>=0A <td style=3D"padding:0px=
24px 20px 24px">=0A <table width=3D"100%" cellS=
pacing=3D"0" cellPadding=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A =
<td align=3D"center" valign=3D"top">=0A =
<p style=3D"font-size:20px;line-height:28px;color:#000000;margin:=
0" dir=3D"ltr"><span>When do the APP Fraud rules apply=3F</span></p>=0A =
</td>=0A </tr>=
=0A </tbody>=0A </t=
able>=0A </td>=0A </tr>=0A =
</tbody>=0A </table>=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D=
"0">=0A <tbody>=0A <tr>=0A =
<td class=3D"ppsans" style=3D"padding:0px 24px 24px 24=
px">=0A <ul dir=3D"ltr">=0A =
<li style=3D"font-size:14px;line-height:20px;color:#000000;margin:=
0px 0px 8px 0px;list-style-type:disc" dir=3D"ltr"><span>You are an individu=
al, micro-enterprise or small charity and you made a payment using the Fast=
er Payments or CHAPS systems which was subject to an APP Fraud. </span></li=
>=0A <li style=3D"font-size:14px;line-height:2=
0px;color:#000000;margin:0px 0px 8px 0px;list-style-type:disc" dir=3D"ltr">=
<span>The payment was executed in the UK and received by a UK bank account.=
</span></li>=0A <li style=3D"font-size:14px;l=
ine-height:20px;color:#000000;margin:0px 0px 8px 0px;list-style-type:disc" =
dir=3D"ltr"><span>The payment was made on or after 7 October 2024.</span></=
li>=0A </ul>=0A </td>=
=0A </tr>=0A </tbody>=0A =
</table>=0A <table width=3D"100%" cellSpaci=
ng=3D"0" cellPadding=3D"0" border=3D"0" role=3D"presentation">=0A =
<tbody>=0A <tr>=0A =
<td style=3D"padding:0px 24px 20px 24px">=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0">=0A=
<tbody>=0A <tr=
>=0A <td align=3D"center" valign=3D"top">=
=0A <p style=3D"font-size:20px;line-heig=
ht:28px;color:#000000;margin:0" dir=3D"ltr"><span>When do the APP Fraud rul=
es not apply=3F</span></p>=0A </td>=0A =
</tr>=0A </tbody>=
=0A </table>=0A </td>=
=0A </tr>=0A </tbody>=0A =
</table>=0A <table width=3D"100%" cellPaddi=
ng=3D"0" cellSpacing=3D"0" border=3D"0">=0A <tbody>=0A=
<tr>=0A <td class=3D"ppsan=
s" style=3D"padding:0px 24px 24px 24px">=0A <p c=
lass=3D"ppsans" style=3D"font-size:14px;line-height:20px;color:#000000;marg=
in:0;word-break:break-word" dir=3D"ltr"><span>We will consider each claim o=
n a case-by-case basis, but there are some circumstances where you may not =
be entitled to a refund. This includes where:</span></p>=0A =
</td>=0A </tr>=0A </t=
body>=0A </table>=0A <table width=3D"=
100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A <td=
class=3D"ppsans" style=3D"padding:0px 24px 0px 24px">=0A =
<ul dir=3D"ltr">=0A <li style=3D"fon=
t-size:14px;line-height:20px;color:#000000;margin:0px 0px 8px 0px;list-styl=
e-type:disc" dir=3D"ltr"><span>You are not an individual, micro-enterprise =
or small charity and/or the fraud does not meet the definition of an APP Fr=
aud (as summarised above). </span></li>=0A <li=
style=3D"font-size:14px;line-height:20px;color:#000000;margin:0px 0px 8px =
0px;list-style-type:disc" dir=3D"ltr"><span>You have acted fraudulently or =
dishonestly in bringing the claim and/or are party to the APP Fraud. </span=
></li>=0A <li style=3D"font-size:14px;line-hei=
ght:20px;color:#000000;margin:0px 0px 8px 0px;list-style-type:disc" dir=3D"=
ltr"><span>You have not acted with an appropriate level of care. For exampl=
e:</span></li>=0A </ul>=0A =
</td>=0A </tr>=0A </tbody>=
=0A </table>=0A <table width=3D"100%"=
cellSpacing=3D"0" cellPadding=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A <td clas=
s=3D"ppsans" style=3D"padding:0px 24px 24px 48px">=0A =
<ul dir=3D"ltr">=0A <li style=3D"font-si=
ze:14px;line-height:20px;color:#000000;margin:0px 0px 8px 0px;list-style-ty=
pe:disc" dir=3D"ltr"><span>You ignored specific warnings from us about the =
payment you made. </span></li>=0A <li style=3D=
"font-size:14px;line-height:20px;color:#000000;margin:0px 0px 8px 0px;list-=
style-type:disc" dir=3D"ltr"><span>You did not notify us of the APP Fraud p=
romptly or, in any event, within 13 months of the most recent payment. </sp=
an></li>=0A <li style=3D"font-size:14px;line-h=
eight:20px;color:#000000;margin:0px 0px 8px 0px;list-style-type:disc" dir=
=3D"ltr"><span>You did not respond to our reasonable requests for informati=
on about the APP Fraud. </span></li>=0A <li st=
yle=3D"font-size:14px;line-height:20px;color:#000000;margin:0px 0px 8px 0px=
;list-style-type:disc" dir=3D"ltr"><span>You refuse to report or allow us t=
o report the APP Fraud to the police.</span></li>=0A =
</ul>=0A </td>=0A </tr=
>=0A </tbody>=0A </table>=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" bord=
er=3D"0" role=3D"presentation">=0A <tbody>=0A =
<tr>=0A <td style=3D"padding:0px 24=
px 20px 24px">=0A <table width=3D"100%" cellSpac=
ing=3D"0" cellPadding=3D"0" border=3D"0">=0A <=
tbody>=0A <tr>=0A =
<td align=3D"center" valign=3D"top">=0A =
<p style=3D"font-size:20px;line-height:28px;color:#000000;margin:0" =
dir=3D"ltr"><span>How to make a claim</span></p>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A <table width=
=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A =
<td class=3D"ppsans" style=3D"padding:0px 24px 24px 24px">=0A =
<p class=3D"ppsans" style=3D"font-size:14px;line-height:20px=
;color:#000000;margin:0;word-break:break-word" dir=3D"ltr"><span>If you bel=
ieve you have been the victim of an APP Fraud, please submit a claim by con=
tacting our customer service team. You can reach us by logging into your Pa=
yPal account and clicking Contact Us at the bottom of any page to call or m=
essage us.</span></p>=0A </td>=0A =
</tr>=0A </tbody>=0A </table=
>=0A <table width=3D"100%" cellPadding=3D"0" cellSpacing=
=3D"0" border=3D"0">=0A <tbody>=0A =
<tr>=0A <td class=3D"ppsans" style=3D"padding:=
0px 24px 24px 24px">=0A <p class=3D"ppsans" styl=
e=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-break:brea=
k-word" dir=3D"ltr"><span>We will usually make a decision within 5 business=
days of your claim. We may take longer if we need more information from yo=
u and/or the bank that received the APP Fraud payment. In all cases, we wil=
l make a decision within 35 business days of your claim.</span></p>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A <tabl=
e width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A =
<td class=3D"ppsans" style=3D"padding:0px 24px 24px 24px">=0A =
<p class=3D"ppsans" style=3D"font-size:14px;line-heig=
ht:20px;color:#000000;margin:0;word-break:break-word" dir=3D"ltr"><span>If =
you are unhappy with our decision, you can use our existing <a href=3D"http=
s://www.paypal.com/uk/cshelp/complaints=3Fv=3D1&utm_source=3Dunp&utm_medium=
=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648=
932e115&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56=
R8L&unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_=
tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3A=
email&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.306.0&tenant_name=
=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dcshelp_complaints" targe=
t=3D"_blank" style=3D"text-decoration:none">complaints process</a> to let u=
s know and see if we can fix things.</span></p>=0A =
</td>=0A </tr>=0A </tbody>=0A =
</table>=0A <table width=3D"100%" cel=
lSpacing=3D"0" cellPadding=3D"0" border=3D"0" role=3D"presentation">=0A =
<tbody>=0A <tr>=0A =
<td style=3D"padding:0px 24px 20px 24px">=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"=
0">=0A <tbody>=0A =
<tr>=0A <td align=3D"center" valign=3D"=
top">=0A <p style=3D"font-size:20px;line=
-height:28px;color:#000000;margin:0" dir=3D"ltr"><span>Other types of APP F=
raud</span></p>=0A </td>=0A =
</tr>=0A </tbody>=0A =
</table>=0A </td>=0A =
</tr>=0A </tbody>=0A <=
/table>=0A <table width=3D"100%" cellPadding=3D"0" cellS=
pacing=3D"0" border=3D"0">=0A <tbody>=0A =
<tr>=0A <td class=3D"ppsans" style=3D"pa=
dding:0px 24px 24px 24px">=0A <p class=3D"ppsans=
" style=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-brea=
k:break-word" dir=3D"ltr"><span>These rules do not apply to other PayPal pa=
yments including when you send money from a PayPal account to another PayPa=
l account or where you pay a business at checkout using PayPal. Our <a href=
=3D"https://www.paypal.com/uk/legalhub/paypal/buyer-protection=3Flocale.x=
=3Den_GB&v=3D1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&=
utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&ppid=3DRT003223&cnac=3DGB=
&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L&unptid=3Db547bb7d-e9ee-11ef-8=
cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_tpcid=3Duk_legal_rules_update&pag=
e=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mai=
l=3Dsys&appVersion=3D1.306.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C10=
4038&link_ref=3Dpaypal_buyer-protection" target=3D"_blank" style=3D"text-de=
coration:none">Buyer Protection Program</a> may apply to these payments.</s=
pan></p>=0A </td>=0A </tr>=
=0A </tbody>=0A </table>=0A =
<table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" borde=
r=3D"0">=0A <tbody>=0A <tr>=0A =
<td class=3D"ppsans" style=3D"padding:0px 24px 24p=
x 24px">=0A <p class=3D"ppsans" style=3D"font-si=
ze:14px;line-height:20px;color:#000000;margin:0;word-break:break-word" dir=
=3D"ltr"><span>Where you send money from your PayPal account to another Pay=
Pal account as a friends and family payment, you are not entitled to be ref=
unded under either the APP Fraud rules or the Buyer Protection Program. Ple=
ase follow this <a href=3D"https://www.paypal.com/uk/cshelp/article/what-ar=
e-%E2%80%98friends-and-family%E2%80%99-payment-scams-help1165=3Fv=3D1&utm_s=
ource=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db547bb7=
d-e9ee-11ef-8cfa-eb648932e115&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-G=
B%29&cust=3DPC45GY4U56R8L&unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&cal=
c=3Ddf93ca176ecc6&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3AR=
T003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=
=3D1.306.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dar=
ticle_what-are-%25e2%2580%2598friends-and-family%25e2%2580%2599-payment-sca=
ms-help1165" target=3D"_blank" style=3D"text-decoration:none">link for furt=
her information on friends and family scams</a>.</span></p>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A <table width=
=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0" role=3D"presenta=
tion">=0A <tbody>=0A <tr>=0A =
<td style=3D"padding:0px 24px 20px 24px">=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"=
0" border=3D"0">=0A <tbody>=0A =
<tr>=0A <td align=3D"cente=
r" valign=3D"top">=0A <p style=3D"font-s=
ize:20px;line-height:28px;color:#000000;margin:0" dir=3D"ltr"><span>How to =
protect yourself against APP Fraud and other scams</span></p>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=
=0A </td>=0A </tr>=0A =
</tbody>=0A </table>=0A =
<table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=3D"0">=
=0A <tbody>=0A <tr>=0A =
<td class=3D"ppsans" style=3D"padding:0px 24px 24px 24px">=
=0A <p class=3D"ppsans" style=3D"font-size:14px;=
line-height:20px;color:#000000;margin:0;word-break:break-word" dir=3D"ltr">=
<span>The following link provides further information that may help you <a =
href=3D"https://www.paypal.com/uk/cshelp/article/what-are-common-scams-and-=
how-do-i-spot-them-help201=3Fv=3D1&utm_source=3Dunp&utm_medium=3Demail&utm_=
campaign=3DRT003223&utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&ppid=
=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L&unptid=
=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_tpcid=3Duk=
_legal_rules_update&page=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3D=
cl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.306.0&tenant_name=3DPayPal&xt=
=3D145585%2C154413%2C104038&link_ref=3Darticle_what-are-common-scams-and-ho=
w-do-i-spot-them-help201" target=3D"_blank" style=3D"text-decoration:none">=
identify common scams</a> and avoid becoming a victim of fraud.</span></p>=
=0A </td>=0A </tr>=0A =
</tbody>=0A </table>=0A =
<table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0" r=
ole=3D"presentation">=0A <tbody>=0A =
<tr>=0A <td style=3D"padding:0px 24px 20px 24=
px">=0A <table width=3D"100%" cellSpacing=3D"0" =
cellPadding=3D"0" border=3D"0">=0A <tbody>=0A =
<tr>=0A <td=
align=3D"center" valign=3D"top">=0A <p =
style=3D"font-size:20px;line-height:28px;color:#000000;margin:0" dir=3D"ltr=
"><span>User Agreement</span></p>=0A </td>=
=0A </tr>=0A </=
tbody>=0A </table>=0A <=
/td>=0A </tr>=0A </tbody>=0A =
</table>=0A <table width=3D"100%" cellP=
adding=3D"0" cellSpacing=3D"0" border=3D"0">=0A <tbody=
>=0A <tr>=0A <td class=3D"p=
psans" style=3D"padding:0px 24px 24px 24px">=0A =
<p class=3D"ppsans" style=3D"font-size:14px;line-height:20px;color:#000000;=
margin:0;word-break:break-word" dir=3D"ltr"><span>We are updating our User =
Agreement to reflect these new rules by 9 April 2025.</span></p>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A <table w=
idth=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A =
<td class=3D"ppsans" style=3D"padding:0px 24px 0px 24px">=0A =
<p class=3D"ppsans" style=3D"font-size:14px;line-height:2=
0px;color:#000000;margin:0;word-break:break-word" dir=3D"ltr"><span>Thank y=
ou.</span></p>=0A </td>=0A =
</tr>=0A </tbody>=0A </table>=0A =
<table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" =
border=3D"0">=0A <tbody>=0A <tr=
>=0A <td class=3D"ppsans" style=3D"padding:0px 24p=
x 24px 24px">=0A <p class=3D"ppsans" style=3D"fo=
nt-size:14px;line-height:20px;color:#000000;margin:0;word-break:break-word"=
dir=3D"ltr"><span>PayPal</span></p>=0A </td>=0A =
</tr>=0A </tbody>=0A =
</table>=0A </td>=0A </tr>=0A =
<tr>=0A <td width=3D"640">=0A =
<table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=3D"0" dir=
=3D"ltr">=0A <tbody>=0A <tr>=0A=
<td>=0A <table width=
=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=3D"0">=0A =
<tbody>=0A <tr>=0A =
<td align=3D"center" valign=3D"top" style=3D"paddi=
ng:30px 24px 30px 24px"><img src=3D"https://www.paypalobjects.com/digitalas=
sets/c/system-triggered-email/n/layout/images/ppe/pp-logo_x2.png" width=3D"=
40" height=3D"40" style=3D"display:block" border=3D"0" alt=3D"PayPal" />=0A=
<hr class=3D"footerDivider" style=3D"bo=
rder-top:1px solid #C6C6C6;margin:30px 0px 0px 0px" />=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A =
</td>=0A </tr>=0A =
</tbody>=0A </table>=0A <table=
id=3D"body_footer_links" width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0=
" border=3D"0" style=3D"margin-bottom:0px" dir=3D"ltr">=0A =
<tbody>=0A <tr>=0A <td=
align=3D"center" style=3D"font-size:12px;line-height:16px;padding:10px 24p=
x 23px 24px;color:#001435;font-weight:400" class=3D"ppsans"><a href=3D"http=
s://www.paypal.com/gb/smarthelp/home=3Fv=3D1&utm_source=3Dunp&utm_medium=3D=
email&utm_campaign=3DRT003223&utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932=
e115&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L=
&unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_tpc=
id=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aema=
il&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.306.0&tenant_name=3DPa=
yPal&xt=3D145585%2C154413%2C104038&link_ref=3Dsmarthelp_home" target=3D"_bl=
ank" class=3D"ppsans" style=3D"color:#0074DE;text-decoration:none" alt=3D"H=
elp & Contact">Help & Contact</a><span style=3D"padding:0px 5px"> |=
</span><a href=3D"https://www.paypal.com/gb/webapps/mpp/paypal-safety-and-=
security=3Fv=3D1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT00322=
3&utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&ppid=3DRT003223&cnac=3D=
GB&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L&unptid=3Db547bb7d-e9ee-11ef=
-8cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_tpcid=3Duk_legal_rules_update&p=
age=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&m=
ail=3Dsys&appVersion=3D1.306.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C=
104038&link_ref=3Dmpp_paypal-safety-and-security" target=3D"_blank" class=
=3D"ppsans" style=3D"color:#0074DE;text-decoration:none" alt=3D"Security">S=
ecurity</a><span style=3D"padding:0px 5px"> | </span><a href=3D"https://www=
.paypal.com/gb/webapps/mpp/mobile-apps=3Fv=3D1&utm_source=3Dunp&utm_medium=
=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648=
932e115&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56=
R8L&unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_=
tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3A=
email&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.306.0&tenant_name=
=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dmpp_mobile-apps" target=
=3D"_blank" class=3D"ppsans" style=3D"color:#0074DE;text-decoration:none" a=
lt=3D"Apps">Apps</a></td>=0A </tr>=0A =
<tr>=0A <td align=3D"center" style=3D"pad=
ding-bottom:10px;padding-top:0px;padding-left:11px;padding-right:20px">=0A =
<table cellPadding=3D"0" cellSpacing=3D"0" borde=
r=3D"0" dir=3D"ltr">=0A <tbody>=0A =
<tr>=0A <td align=3D"c=
enter" valign=3D"middle" width=3D"55"><a id=3D"twitter" href=3D"https://twi=
tter.com/PayPal=3Fv=3D1%2C0.1&utm_source=3Dunp&utm_medium=3Demail&utm_campa=
ign=3DRT003223&utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&ppid=3DRT0=
03223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L&unptid=3Db547b=
b7d-e9ee-11ef-8cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_tpcid=3Duk_legal_r=
ules_update&page=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=
=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.306.0&tenant_name=3DPayPal&xt=3D1455=
85%2C154413%2C104038&link_ref=3Dtwitter.com_paypal" target=3D"_blank"><img =
border=3D"0" src=3D"https://www.paypalobjects.com/digitalassets/c/system-tr=
iggered-email/n/layout/images/quantum_leap/footer-social-icons_x.png" width=
=3D"32" height=3D"32" style=3D"display:block" alt=3D"Twitter" /></a></td>=
=0A <td align=3D"center" valign=3D"middle"=
width=3D"55"><a id=3D"instagram" href=3D"https://www.instagram.com/paypal/=
=3Fv=3D1%2C0.1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&=
utm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&ppid=3DRT003223&cnac=3DGB=
&rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L&unptid=3Db547bb7d-e9ee-11ef-8=
cfa-eb648932e115&calc=3Ddf93ca176ecc6&unp_tpcid=3Duk_legal_rules_update&pag=
e=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mai=
l=3Dsys&appVersion=3D1.306.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C10=
4038&link_ref=3Dwww.instagram.com_paypal" target=3D"_blank"><img border=3D"=
0" src=3D"https://paypalobjects.com/digitalassets/c/system-triggered-email/=
n/layout/images/quantum_leap/footer-social-icons_instagram.png" width=3D"32=
" height=3D"32" style=3D"display:block" alt=3D"Instagram" /></a></td>=0A =
<td align=3D"center" valign=3D"middle" width=
=3D"55"><a id=3D"facebook" href=3D"https://www.facebook.com/PayPalUSA=3Fv=
=3D1%2C0.1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&utm_=
unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&ppid=3DRT003223&cnac=3DGB&rst=
a=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L&unptid=3Db547bb7d-e9ee-11ef-8cfa-=
eb648932e115&calc=3Ddf93ca176ecc6&unp_tpcid=3Duk_legal_rules_update&page=3D=
main%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3D=
sys&appVersion=3D1.306.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038=
&link_ref=3Dwww.facebook.com_paypalusa" target=3D"_blank"><img border=3D"0"=
src=3D"https://paypalobjects.com/digitalassets/c/system-triggered-email/n/=
layout/images/quantum_leap/footer-social-icons_facebook.png" width=3D"32" h=
eight=3D"32" style=3D"display:block" alt=3D"Facebook" /></a></td>=0A =
<td align=3D"center" valign=3D"middle" width=3D"=
55"><a id=3D"linkedin" href=3D"http://www.linkedin.com/company/1482=3Ftrk=
=3Dtyah&v=3D1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&u=
tm_unptid=3Db547bb7d-e9ee-11ef-8cfa-eb648932e115&ppid=3DRT003223&cnac=3DGB&=
rsta=3Den_GB%28en-GB%29&cust=3DPC45GY4U56R8L&unptid=3Db547bb7d-e9ee-11ef-8c=
fa-eb648932e115&calc=3Ddf93ca176ecc6&unp_tpcid=3Duk_legal_rules_update&page=
=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=
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