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From: <service@paypal.co.uk>
To: "Bob Home" <bob@sarahharvey.com>
Subject: APP Fraud Rules and Protection
Date: Wed, 5 Feb 2025 20:20:56 -0000
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We would like to inform you about important APP Fraud rules.
Dear Bob Home <https://www.paypalobjects.com/digitalassets/c/system-triggered-email/n/la
yout/images/ppe/pp-logo_x2.png>
APP Fraud Rules
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.
What is an APP Fraud?
APP Fraud is a type of fraudulent activity though which someone tricks or
deceives you into sending a payment to a fraudster. This may result in you
authorising a payment for goods that you never receive or to a person other
than whom you believed you were paying.
Common features of APP Fraud may include a request to designate a payment
for friends and family when you’re being offered goods or services, offers
that are "too good to be true," pleas for sympathy or to act urgently, or
the appearance that you’re paying a trusted person or institution. Learn
more about APP Fraud in our Security Centre
<https://www.paypal.com/uk/security/learn-about-scams?v=1&utm_source=unp&utm_medium=email&utm_campaign=RT003223&utm_unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&ppid=RT003223&cnac=GB&rsta=en_GB%28en-GB%29&cust=VYTP5UBK7ZQ3L&unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=d1b62458afe7e&unp_tpcid=uk_legal_rules_update&page=main%3Aemail%3ART003223&pgrp=main%3Aemail&e=cl&mchn=em&s=ci&mail=sys&appVersion=1.303.0&tenant_name=PayPal&xt=145585%2C154413%2C104038&link_ref=security_learn-about-scams>
.
The APP Fraud rules
On 7 October 2024, new rules came into force that protect payments made by
individuals, micro-enterprises or small charities where these are made
through the Faster Payments or CHAPS systems. PayPal uses these systems to
send money from your PayPal account to your bank account. Under these rules,
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 £85,000 per claim.
When do the APP Fraud rules apply?
* You are an individual, micro-enterprise or small charity and you made a
payment using the Faster Payments or CHAPS systems which was subject to an
APP Fraud.
* The payment was executed in the UK and received by a UK bank account.
* The payment was made on or after 7 October 2024.
When do the APP Fraud rules not apply?
We will consider each claim on a case-by-case basis, but there are some
circumstances where you may not be entitled to a refund. This includes
where:
* You are not an individual, micro-enterprise or small charity and/or the
fraud does not meet the definition of an APP Fraud (as summarised above).
* You have acted fraudulently or dishonestly in bringing the claim and/or
are party to the APP Fraud.
* You have not acted with an appropriate level of care. For example:
* You ignored specific warnings from us about the payment you made.
* You did not notify us of the APP Fraud promptly or, in any event, within
13 months of the most recent payment.
* You did not respond to our reasonable requests for information about the
APP Fraud.
* You refuse to report or allow us to report the APP Fraud to the police.
How to make a claim
If you believe you have been the victim of an APP Fraud, please submit a
claim by contacting our customer service team. You can reach us by logging
into your PayPal account and clicking Contact Us at the bottom of any page
to call or message us.
We will usually make a decision within 5 business days of your claim. We may
take longer if we need more information from you and/or the bank that
received the APP Fraud payment. In all cases, we will make a decision within
35 business days of your claim.
If you are unhappy with our decision, you can use our existing complaints
process
<https://www.paypal.com/uk/cshelp/complaints?v=1&utm_source=unp&utm_medium=email&utm_campaign=RT003223&utm_unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&ppid=RT003223&cnac=GB&rsta=en_GB%28en-GB%29&cust=VYTP5UBK7ZQ3L&unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=d1b62458afe7e&unp_tpcid=uk_legal_rules_update&page=main%3Aemail%3ART003223&pgrp=main%3Aemail&e=cl&mchn=em&s=ci&mail=sys&appVersion=1.303.0&tenant_name=PayPal&xt=145585%2C154413%2C104038&link_ref=cshelp_complaints>
to let us know and see if we can fix things.
Other types of APP Fraud
These rules do not apply to other PayPal payments including when you send
money from a PayPal account to another PayPal account or where you pay a
business at checkout using PayPal. Our Buyer Protection Program may apply to
these payments.
Where you send money from your PayPal account to another PayPal account as a
friends and family payment, you are not entitled to be refunded under either
the APP Fraud rules or the Buyer Protection Program. Please follow this link
for further information on friends and family scams.
How to protect yourself against APP Fraud and other scams
The following link provides further information that may help you identify
common scams and avoid becoming a victim of fraud.
User Agreement
We are updating our User Agreement to reflect these new rules by 9 April
2025.
Thank you.
PayPal
<https://www.paypalobjects.com/digitalassets/c/system-triggered-email/n/layout/images/ppe/pp-logo_x2.png>
_____
Help
<https://www.paypal.com/gb/smarthelp/home?v=1&utm_source=unp&utm_medium=email&utm_campaign=RT003223&utm_unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&ppid=RT003223&cnac=GB&rsta=en_GB%28en-GB%29&cust=VYTP5UBK7ZQ3L&unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=d1b62458afe7e&unp_tpcid=uk_legal_rules_update&page=main%3Aemail%3ART003223&pgrp=main%3Aemail&e=cl&mchn=em&s=ci&mail=sys&appVersion=1.303.0&tenant_name=PayPal&xt=145585%2C154413%2C104038&link_ref=smarthelp_home>
& Contact | Security | Apps
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<http://www.linkedin.com/company/1482?trk=tyah&v=1&utm_source=unp&utm_medium=email&utm_campaign=RT003223&utm_unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&ppid=RT003223&cnac=GB&rsta=en_GB%28en-GB%29&cust=VYTP5UBK7ZQ3L&unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=d1b62458afe7e&unp_tpcid=uk_legal_rules_update&page=main%3Aemail%3ART003223&pgrp=main%3Aemail&e=cl&mchn=em&s=ci&mail=sys&appVersion=1.303.0&tenant_name=PayPal&xt=145585%2C154413%2C104038&link_ref=company_1482>
PayPal is committed to preventing fraudulent emails. Emails from PayPal will
always contain your full name. Learn to identify phishing
<https://www.paypal.com/uk/webapps/mpp/phishing?v=1&utm_source=unp&utm_medium=email&utm_campaign=RT003223&utm_unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&ppid=RT003223&cnac=GB&rsta=en_GB%28en-GB%29&cust=VYTP5UBK7ZQ3L&unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=d1b62458afe7e&unp_tpcid=uk_legal_rules_update&page=main%3Aemail%3ART003223&pgrp=main%3Aemail&e=cl&mchn=em&s=ci&mail=sys&appVersion=1.303.0&tenant_name=PayPal&xt=145585%2C154413%2C104038&link_ref=mpp_phishing>
Please don't reply to this email. To get in touch with us, click Help
<https://www.paypal.com/selfhelp/home?v=1&utm_source=unp&utm_medium=email&utm_campaign=RT003223&utm_unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&ppid=RT003223&cnac=GB&rsta=en_GB%28en-GB%29&cust=VYTP5UBK7ZQ3L&unptid=b4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=d1b62458afe7e&unp_tpcid=uk_legal_rules_update&page=main%3Aemail%3ART003223&pgrp=main%3Aemail&e=cl&mchn=em&s=ci&mail=sys&appVersion=1.303.0&tenant_name=PayPal&xt=145585%2C154413%2C104038&link_ref=selfhelp_home>
& Contact.
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</tbody>=0A=
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</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=
<table width=3D"100%" cellSpacing=3D"0" =
cellPadding=3D"0" border=3D"0" role=3D"presentation">=0A=
<tbody>=0A=
<tr>=0A=
<td align=3D"center" style=3D"padding:0px 24px =
40px 24px;word-break:break-word">=0A=
<p class=3D"ppsans" =
style=3D"font-size:42px;font-weight:900;line-height:46px;color:#000;margi=
n:0"><span>APP Fraud Rules</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" =
style=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-brea=
k: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"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>What is an APP Fraud?</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-brea=
k:break-word" dir=3D"ltr"><span>APP Fraud is a type of fraudulent =
activity though which someone tricks or deceives you into sending a =
payment to a fraudster. This may result in you authorising a payment for =
goods that you never receive or to a person other than whom you believed =
you were 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" =
style=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-brea=
k:break-word" dir=3D"ltr"><span>Common features of APP Fraud may include =
a request to designate a payment for friends and family when =
you=E2=80=99re being offered 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?v=3D1&utm_so=
urce=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dd=
a0-e3fe-11ef-92e4-27f3dedd4393&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28e=
n-GB%29&cust=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd439=
3&calc=3Dd1b62458afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aem=
ail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&app=
Version=3D1.303.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link=
_ref=3Dsecurity_learn-about-scams" target=3D"_blank" =
style=3D"text-decoration:none">Security Centre</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"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>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-brea=
k:break-word" dir=3D"ltr"><span>On 7 October 2024, new rules came into =
force that protect payments made by individuals, micro-enterprises or =
small charities where these are made through the Faster Payments or =
CHAPS systems. PayPal uses these systems to send money from your PayPal =
account to your bank account. Under these rules, 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 claim.</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"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>When do the APP Fraud rules apply?</span></p>=0A=
</td>=0A=
</tr>=0A=
</tbody>=0A=
</table>=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 24px">=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 individual, =
micro-enterprise or small charity and you made a payment using the =
Faster Payments or CHAPS systems which was subject to an APP Fraud. =
</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>The payment was executed =
in the UK and received by a UK bank account. </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>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%" cellSpacing=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>When do the APP Fraud rules not apply?</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-brea=
k:break-word" dir=3D"ltr"><span>We will consider each claim on 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=
</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 =
0px 24px">=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 not an =
individual, micro-enterprise or small charity and/or the fraud does not =
meet the definition of an APP Fraud (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-height: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 example:</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 class=3D"ppsans" style=3D"padding:0px 24px =
24px 48px">=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 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 promptly or, in any event, within 13 months of the most =
recent payment. </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 respond to =
our reasonable requests for information about the APP Fraud. </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 refuse to report or =
allow us to 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" 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>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-brea=
k:break-word" dir=3D"ltr"><span>If you believe you have been the victim =
of an APP Fraud, please submit a claim by contacting our customer =
service team. You can reach us by logging into your PayPal account and =
clicking Contact Us at the bottom of any page to call or message =
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" =
style=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-brea=
k:break-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 you and/or the bank that received the APP Fraud =
payment. In all cases, we will make a decision within 35 business days =
of your claim.</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" =
style=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-brea=
k:break-word" dir=3D"ltr"><span>If you are unhappy with our decision, =
you can use our existing <a =
href=3D"https://www.paypal.com/uk/cshelp/complaints?v=3D1&utm_source=3Dun=
p&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-1=
1ef-92e4-27f3dedd4393&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&c=
ust=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3D=
d1b62458afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART0=
03223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D=
1.303.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dcsh=
elp_complaints" target=3D"_blank" =
style=3D"text-decoration:none">complaints process</a> to let us know and =
see if we can fix things.</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"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 Fraud</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-brea=
k:break-word" dir=3D"ltr"><span>These rules do not apply to other PayPal =
payments including when you send money from a PayPal account to another =
PayPal account or where you pay a business at checkout using PayPal. Our =
<a =
href=3D"https://www.paypal.com/uk/legalhub/paypal/buyer-protection?locale=
.x=3Den_GB&v=3D1&utm_source=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003=
223&utm_unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&ppid=3DRT003223&cna=
c=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3f=
e-11ef-92e4-27f3dedd4393&calc=3Dd1b62458afe7e&unp_tpcid=3Duk_legal_rules_=
update&page=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3De=
m&s=3Dci&mail=3Dsys&appVersion=3D1.303.0&tenant_name=3DPayPal&xt=3D145585=
%2C154413%2C104038&link_ref=3Dpaypal_buyer-protection" target=3D"_blank" =
style=3D"text-decoration:none">Buyer Protection Program</a> may apply to =
these payments.</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" =
style=3D"font-size:14px;line-height:20px;color:#000000;margin:0;word-brea=
k:break-word" dir=3D"ltr"><span>Where you send money from your PayPal =
account to another PayPal account as a friends and family payment, you =
are not entitled to be refunded under either the APP Fraud rules or the =
Buyer Protection Program. Please follow this <a =
href=3D"https://www.paypal.com/uk/cshelp/article/what-are-%E2%80%98friend=
s-and-family%E2%80%99-payment-scams-help1165?v=3D1&utm_source=3Dunp&utm_m=
edium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-11ef-92e=
4-27f3dedd4393&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DV=
YTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3Dd1b6245=
8afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&p=
grp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.303.=
0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Darticle_w=
hat-are-%25e2%2580%2598friends-and-family%25e2%2580%2599-payment-scams-he=
lp1165" target=3D"_blank" style=3D"text-decoration:none">link for =
further 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"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>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-brea=
k: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-an=
d-how-do-i-spot-them-help201?v=3D1&utm_source=3Dunp&utm_medium=3Demail&ut=
m_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&p=
pid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DVYTP5UBK7ZQ3L&unp=
tid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3Dd1b62458afe7e&unp_tpcid=
=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&pgrp=3Dmain%3Aema=
il&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.303.0&tenant_name=3D=
PayPal&xt=3D145585%2C154413%2C104038&link_ref=3Darticle_what-are-common-s=
cams-and-how-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=
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<p =
style=3D"font-size:20px;line-height:28px;color:#000000;margin:0" =
dir=3D"ltr"><span>User Agreement</span></p>=0A=
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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>We are updating our User Agreement to =
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24px 24px">=0A=
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href=3D"https://www.paypal.com/gb/smarthelp/home?v=3D1&utm_source=3Dunp&u=
tm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-11ef=
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Contact">Help & Contact</a><span style=3D"padding:0px 5px"> | =
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-27f3dedd4393&calc=3Dd1b62458afe7e&unp_tpcid=3Duk_legal_rules_update&page=
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e=3Dunp&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-=
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B%29&cust=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&c=
alc=3Dd1b62458afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail=
%3ART003223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVer=
sion=3D1.303.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_re=
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style=3D"padding-bottom:10px;padding-top:0px;padding-left:11px;padding-ri=
ght:20px">=0A=
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border=3D"0" dir=3D"ltr">=0A=
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width=3D"55"><a id=3D"twitter" =
href=3D"https://twitter.com/PayPal?v=3D1%2C0.1&utm_source=3Dunp&utm_mediu=
m=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-11ef-92e4-27=
f3dedd4393&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DVYTP5=
UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3Dd1b62458afe=
7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&pgrp=3D=
main%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.303.0&tena=
nt_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dtwitter.com_pay=
pal" target=3D"_blank"><img border=3D"0" =
src=3D"https://www.paypalobjects.com/digitalassets/c/system-triggered-ema=
il/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=
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width=3D"55"><a id=3D"instagram" =
href=3D"https://www.instagram.com/paypal/?v=3D1%2C0.1&utm_source=3Dunp&ut=
m_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-11ef-=
92e4-27f3dedd4393&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3D=
VYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3Dd1b624=
58afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&=
pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.303=
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agram.com_paypal" target=3D"_blank"><img border=3D"0" =
src=3D"https://paypalobjects.com/digitalassets/c/system-triggered-email/n=
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width=3D"32" height=3D"32" style=3D"display:block" alt=3D"Instagram" =
/></a></td>=0A=
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width=3D"55"><a id=3D"facebook" =
href=3D"https://www.facebook.com/PayPalUSA?v=3D1%2C0.1&utm_source=3Dunp&u=
tm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-11ef=
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=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3Dd1b=
62458afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART0032=
23&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.=
303.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dwww.f=
acebook.com_paypalusa" target=3D"_blank"><img border=3D"0" =
src=3D"https://paypalobjects.com/digitalassets/c/system-triggered-email/n=
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width=3D"32" height=3D"32" style=3D"display:block" alt=3D"Facebook" =
/></a></td>=0A=
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width=3D"55"><a id=3D"linkedin" =
href=3D"http://www.linkedin.com/company/1482?trk=3Dtyah&v=3D1&utm_source=3D=
unp&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe=
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&cust=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3D=
d1b62458afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART0=
03223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D=
1.303.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dcom=
pany_1482" target=3D"_blank"><img border=3D"0" =
src=3D"https://paypalobjects.com/digitalassets/c/system-triggered-email/n=
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width=3D"32" height=3D"32" style=3D"display:block" alt=3D"LinkedIn" =
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unp&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe=
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03223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D=
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to this email. To get in touch with us, click <a =
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4-27f3dedd4393&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&cust=3DV=
YTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3Dd1b6245=
8afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART003223&p=
grp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D1.303.=
0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dselfhelp_=
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np&utm_medium=3Demail&utm_campaign=3DRT003223&utm_unptid=3Db4d0dda0-e3fe-=
11ef-92e4-27f3dedd4393&ppid=3DRT003223&cnac=3DGB&rsta=3Den_GB%28en-GB%29&=
cust=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3dedd4393&calc=3D=
d1b62458afe7e&unp_tpcid=3Duk_legal_rules_update&page=3Dmain%3Aemail%3ART0=
03223&pgrp=3Dmain%3Aemail&e=3Dcl&mchn=3Dem&s=3Dci&mail=3Dsys&appVersion=3D=
1.303.0&tenant_name=3DPayPal&xt=3D145585%2C154413%2C104038&link_ref=3Dart=
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%29&cust=3DVYTP5UBK7ZQ3L&unptid=3Db4d0dda0-e3fe-11ef-92e4-27f3ded=
d4393&calc=3Dd1b62458afe7e&unp_tpcid=3Duk_legal_rules_update&=
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