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Date: Fri, 07 Nov 2025 05:41:19 -0800
Message-ID: <DE.03.27890.FF6FD096@ccg01mail10>
MIME-Version: 1.0
From: PayPal Communications <no_reply@communications.paypal.com>
To: philip mathew graham graham <hello@expressmusic.co.uk>
Subject: We're making some changes to our PayPal legal agreements
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<h4 id=3D"preHeader" style=3D"display:none;color:#F5F7FA;font-size:0px;line=
-height:0px">philip mathew graham graham, you can view the changes on our w=
ebsite.</h4>=0A    <table cellPadding=3D"0" cellSpacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation">=0A      <tbody>=0A        <tr>=0A    =
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lPadding=3D"0" cellSpacing=3D"0" border=3D"0" width=3D"100%" role=3D"presen=
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                         <td>=0A                            <table width=3D=
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 <tbody>=0A                                <tr>=0A                         =
         <td align=3D"center" style=3D"color:#929496;font-weight:450;font-s=
ize:12px;line-height:9px;padding:10px 0px"><span>Hello, philip mathew graha=
m graham</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/imag=
es/ppe/pp-logo_x2.png" style=3D"display:block" border=3D"0" width=3D"51" he=
ight=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=
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sentation">=0A              <tbody>=0A                <tr>=0A              =
    <td width=3D"640" valign=3D"top">=0A                    <table width=3D=
"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D"0" role=3D"presentatio=
n">=0A                      <tbody>=0A                        <tr>=0A      =
                    <td align=3D"center" style=3D"padding:0px 24px 40px 24p=
x;word-break:break-word">=0A                            <p class=3D"ppsans"=
 style=3D"font-size:42px;line-height:46px;font-weight:900;color:#000;margin=
:0"><span>We're making some changes to our legal agreements that will apply=
 to you</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:#2c2e2f;margin:0;word-break:brea=
k-word" dir=3D"ltr"><span>You can see information regarding these agreement=
s, when and how they are changing, and what you can do if you want to decli=
ne these changes by visiting the <a href=3D"https://www.paypal.com/gb/webap=
ps/mpp/ua/upcoming-policies-full=3Flocale.x=3Den_GB&v=3D1&utm_source=3Dunp&=
utm_medium=3Demail&utm_campaign=3DRT002668&utm_unptid=3D711c3326-bbdf-11f0-=
8e2d-2d3b76a6ab73&ppid=3DRT002668&cnac=3DGB&rsta=3Den_GB%28en-GB%29&unptid=
=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2233952218cb3&unp_tpcid=3Dle=
gal-tickler-notifications&page=3Dmain%3Aemail%3ART002668&pgrp=3Dmain%3Aemai=
l&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.367.0&tenant_name=3DPay=
Pal&xt=3D145585%2C154413%2C104038&link_ref=3Dua_upcoming-policies-full" tar=
get=3D"_blank" style=3D"text-decoration:none">Policy Updates</a> page at Pa=
yPal.com.</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:#2c2e2f;margin:0;word-break:brea=
k-word" dir=3D"ltr"><span>The information is also provided in your PayPal M=
essage Center.</span></p>=0A                          </td>=0A             =
           </tr>=0A                      </tbody>=0A                    </t=
able>=0A                    <table width=3D"100%" cellSpacing=3D"0" cellPad=
ding=3D"0" border=3D"0" dir=3D"ltr">=0A                      <tbody>=0A    =
                    <tr>=0A                          <td style=3D"padding:0=
px 24px 24px 24px">=0A                            <table width=3D"100%" cel=
lSpacing=3D"0" cellPadding=3D"0" style=3D"padding:20px 30px 20px 30px;backg=
round:#fff;border-radius:18px" border=3D"0" dir=3D"ltr">=0A                =
              <tbody>=0A                                <tr>=0A            =
                      <td valign=3D"middle">=0A                            =
        <table width=3D"100%" cellSpacing=3D"0" cellPadding=3D"0" border=3D=
"0" dir=3D"ltr" role=3D"presentation">=0A                                  =
    <tbody>=0A                                        <tr>=0A              =
                            <td class=3D"ppsans" style=3D"padding:5px 0px 0=
px 0px"><img class=3D"" src=3D"https://www.paypalobjects.com/digitalassets/=
c/system-triggered-email/w100/glyph_handmobilephone_blue.png" style=3D"disp=
lay:block;border:0" border=3D"0" alt=3D"" width=3D"90" /></td>=0A          =
                              </tr>=0A                                     =
 </tbody>=0A                                    </table>=0A                =
                  </td>=0A                                  <td width=3D"80=
%" style=3D"padding:0px 0px 0px 20px"><span><b>Are you using the PayPal app=
=3F</b><br>Log in to the PayPal app. You may either tap the Settings icon, =
then tap the <a href=3D"https://www.paypal.com/smc/async/home=3Fv=3D1&utm_s=
ource=3Dunp&utm_medium=3Demail&utm_campaign=3DRT002668&utm_unptid=3D711c332=
6-bbdf-11f0-8e2d-2d3b76a6ab73&ppid=3DRT002668&cnac=3DGB&rsta=3Den_GB%28en-G=
B%29&unptid=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2233952218cb3&unp=
_tpcid=3Dlegal-tickler-notifications&page=3Dmain%3Aemail%3ART002668&pgrp=3D=
main%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.367.0&tenant=
_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dasync_home" target=
=3D"_blank">Message Center</a>, or select your Profile, tap 'Legal Agreemen=
ts' and tap 'Policy Updates'.</span></td>=0A                               =
 </tr>=0A                              </tbody>=0A                         =
   </table>=0A                          </td>=0A                        </t=
r>=0A                      </tbody>=0A                    </table>=0A      =
              <table width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" bor=
der=3D"0">=0A                      <tbody>=0A                        <tr>=
=0A                          <td style=3D"padding:0px 20px 20px 20px">=0A  =
                          <hr style=3D"border-top:1px solid #687173" />=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:#2c2e2f;margin:0;word-break:break-word" dir=3D"ltr"><span=
>If you have questions about any of these changes or your account, please d=
on't hesitate to <a href=3D"https://www.paypal.com/gb/smarthelp/contact-us=
=3Flocale.x=3Den_GB&v=3D1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=
=3DRT002668&utm_unptid=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&ppid=3DRT0026=
68&cnac=3DGB&rsta=3Den_GB%28en-GB%29&unptid=3D711c3326-bbdf-11f0-8e2d-2d3b7=
6a6ab73&calc=3D2233952218cb3&unp_tpcid=3Dlegal-tickler-notifications&page=
=3Dmain%3Aemail%3ART002668&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=
=3Dsys&appVersion=3D1.367.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104=
038&link_ref=3Dsmarthelp_contact-us" target=3D"_blank" style=3D"text-decora=
tion:none">get in touch</a> with us.</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:#2c2e2=
f;margin:0;word-break:break-word" dir=3D"ltr"><span>Thank you for being a P=
ayPal customer.</span></p>=0A                          </td>=0A            =
            </tr>=0A                      </tbody>=0A                    </=
table>=0A                  </td>=0A                </tr>=0A                =
<tr>=0A                  <td width=3D"640">=0A                    <table wi=
dth=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%" c=
ellPadding=3D"0" cellSpacing=3D"0" border=3D"0">=0A                        =
      <tbody>=0A                                <tr>=0A                    =
              <td align=3D"center" valign=3D"top" style=3D"padding:30px 24p=
x 30px 24px"><img src=3D"https://www.paypalobjects.com/digitalassets/c/syst=
em-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"border-top:1=
px solid #C6C6C6;margin:30px 0px 0px 0px" />=0A                            =
      </td>=0A                                </tr>=0A                     =
         </tbody>=0A                            </table>=0A                =
          </td>=0A                        </tr>=0A                      </t=
body>=0A                    </table>=0A                    <table id=3D"bod=
y_footer_links" width=3D"100%" cellPadding=3D"0" cellSpacing=3D"0" border=
=3D"0" style=3D"margin-bottom:0px" dir=3D"ltr">=0A                      <tb=
ody>=0A                        <tr>=0A                          <td align=
=3D"center" style=3D"font-size:12px;line-height:16px;padding:10px 24px 23px=
 24px;color:#001435;font-weight:400" class=3D"ppsans"><a href=3D"https://ww=
w.paypal.com/gb/smarthelp/home=3Fv=3D1&utm_source=3Dunp&utm_medium=3Demail&=
utm_campaign=3DRT002668&utm_unptid=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&p=
pid=3DRT002668&cnac=3DGB&rsta=3Den_GB%28en-GB%29&unptid=3D711c3326-bbdf-11f=
0-8e2d-2d3b76a6ab73&calc=3D2233952218cb3&unp_tpcid=3Dlegal-tickler-notifica=
tions&page=3Dmain%3Aemail%3ART002668&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=
=3Dci&mail=3Dsys&appVersion=3D1.367.0&tenant_name=3DPayPal&xt=3D145585%2C15=
4413%2C104038&link_ref=3Dsmarthelp_home" target=3D"_blank" class=3D"ppsans"=
 style=3D"color:#0074DE;text-decoration:none" alt=3D"Help &amp; Contact">He=
lp &amp; Contact</a><span style=3D"padding:0px 5px"> | </span><a href=3D"ht=
tps://www.paypal.com/gb/webapps/mpp/paypal-safety-and-security=3Fv=3D1&utm_=
source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT002668&utm_unptid=3D711c33=
26-bbdf-11f0-8e2d-2d3b76a6ab73&ppid=3DRT002668&cnac=3DGB&rsta=3Den_GB%28en-=
GB%29&unptid=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2233952218cb3&un=
p_tpcid=3Dlegal-tickler-notifications&page=3Dmain%3Aemail%3ART002668&pgrp=
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ant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dmpp_paypal-safet=
y-and-security" target=3D"_blank" class=3D"ppsans" style=3D"color:#0074DE;t=
ext-decoration:none" alt=3D"Security">Security</a><span style=3D"padding:0p=
x 5px"> | </span><a href=3D"https://www.paypal.com/gb/webapps/mpp/mobile-ap=
ps=3Fv=3D1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT002668&utm_=
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a=3Den_GB%28en-GB%29&unptid=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2=
233952218cb3&unp_tpcid=3Dlegal-tickler-notifications&page=3Dmain%3Aemail%3A=
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p_mobile-apps" target=3D"_blank" class=3D"ppsans" style=3D"color:#0074DE;te=
xt-decoration:none" alt=3D"Apps">Apps</a></td>=0A                        </=
tr>=0A                        <tr>=0A                          <td align=3D=
"center" style=3D"padding-bottom:10px;padding-top:0px;padding-left:11px;pad=
ding-right:20px">=0A                            <table cellPadding=3D"0" ce=
llSpacing=3D"0" border=3D"0" dir=3D"ltr">=0A                              <=
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326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2233952218cb3&unp_tpcid=3Dlegal-tick=
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"><img border=3D"0" src=3D"https://www.paypalobjects.com/digitalassets/c/sy=
stem-triggered-email/n/layout/images/quantum_leap/footer-social-icons_x.png=
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ddle" width=3D"55"><a id=3D"instagram" href=3D"https://www.instagram.com/pa=
ypal/=3Fv=3D1%2C0.1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT00=
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ref=3Dwww.instagram.com_paypal" target=3D"_blank"><img border=3D"0" src=3D"=
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28en-GB%29&unptid=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2233952218c=
b3&unp_tpcid=3Dlegal-tickler-notifications&page=3Dmain%3Aemail%3ART002668&p=
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tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dwww.facebook.=
com_paypalusa" target=3D"_blank"><img border=3D"0" src=3D"https://paypalobj=
ects.com/digitalassets/c/system-triggered-email/n/layout/images/quantum_lea=
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play:block" alt=3D"Facebook" /></a></td>=0A                                =
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tid=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2233952218cb3&unp_tpcid=
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Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.367.0&tenant_name=
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_blank"><img border=3D"0" src=3D"https://paypalobjects.com/digitalassets/c/=
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d style=3D"font-size:12px;line-height:16px;padding:6px 0px">=0A            =
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id=3D711c3326-bbdf-11f0-8e2d-2d3b76a6ab73&calc=3D2233952218cb3&unp_tpcid=3D=
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