Unauthorized use of the Website and systems, including but not limited to unauthorized entry into the Website or Our systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.
You may register your PayPal Credit account online at the Website and provide contact information (such as email address) and financial information (such as bank account information) during account registration, which will allow you to service your PayPal Credit Account online. This information is necessary to enable you to view statements online, review account activity and schedule payments on your PayPal Credit Account. When you visit the Website, We may also ask you to complete a survey, or answer questions. These may include questions such as where you live, your email address and your interest in receiving emails regarding new products and services.
The Website also automatically collects information from users who visit the site. When you visit the Website, we collect information sent to Us by your computer, mobile phone or other access device. The information sent to Us includes data on the pages you access, your computer IP address, device identifiers, the type of operating system you’re using, mobile network information, standard web log data and other information. Web log data includes the browser type you’re using and traffic to and from the Website. When you visit the Website, We also collect information about your transactions and your activities.
When you access the Website, We (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, "Flash cookies," or other local storage provided by your browser or associated applications ("Cookies"). We use these technologies to: recognize you as a customer; customize PayPal Credit services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and promote trust and safety across Our sites and PayPal Credit services.
We use both session and persistent Cookies. Session Cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent Cookies remain on your device until you erase them or they expire.
We encode Our Cookies so that We can interpret the information stored in them. You are free to decline Our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites We control. Declining Our Cookies may interfere with your use of the Website. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling Cookies.
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:
- provide PayPal Credit services and customer support;
- process transactions and send notices about your transactions;
- resolve disputes, collect fees, and troubleshoot problems;
- prevent potentially prohibited or illegal activities, such as fraud, and enforce the PayPal Credit Terms and Conditions;
- customize, measure, and improve PayPal Credit services and the content, layout, and operation of PayPal Credit Websites;
- deliver targeted marketing, service update notices, and promotional offers based on your communication preferences;
- contact you by placing a voice call, text (SMS) message, or email message, as authorized by the PayPal Credit Terms and Conditions;
- compare information for accuracy and verify it with third parties.
We, or a third party acting on Our behalf, may use your personal information to send you email offers that may be of special interest to you. If you unsubscribe from these email messages, you will not receive these messages from Us via email. If you do not wish to receive marketing communications from Us or participate in Our ad-customization programs, you may unsubscribe by following the instructions located at the bottom of the email you received. If you unsubscribe from email solicitations, We will still contact you via email to service and maintain your PayPal Credit account relationship. If you receive emails from third parties on behalf of Us, you must unsubscribe through the instructions in the email or contact these third parties directly.
We may also hire third parties to track and report performance of advertising and marketing campaigns to and from Us and third party web sites. We may combine your information with information We collect from third parties and use it to improve and personalize PayPal Credit services, content, and advertising.Email Communications
If you choose to send Us an email message, We may retain the content of the email, your email address, and Our response in order to service your needs. We or a third party acting on Our behalf, may use the data that you provide to send you email offers that may be of special interest to you. If you unsubscribe from these email messages, you will not receive these messages from Us via email. Please note that some of Our services, including the Website, require a valid email address in order to register and/or continue use of the service. You will receive email alerts or notification messages from these programs unless you un-enroll from these services.
Do not provide your email address to third party web sites without reading the privacy and security policies and terms and conditions of these sites to ensure you understand the circumstances in which your email address will be used. If you suspect suspicious or fraudulent activity related to your account(s), please let your account provider know right away. You should also contact your Internet Service Provider so they may block suspicious messages from your email inbox. To learn more about how to control and manage your incoming emails, please refer to your Internet Service Providers' online resources. You may also visit the Federal Trade Commission's web site on spam at www.ftc.gov/spam.Web Content and Materials
You agree that: (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with Us; (ii) in circumstances where locations of the Website require identification, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals; (iii) you will not use any device, software, routine, file or other tool or technology, including but not limited to any viruses, trojan horses, worms, time bombs or cancelbots, intended to damage or interfere with the proper working of this Website or to surreptitiously intercept or expropriate any system, data or personal information from this Website; and (iv) you will not take any action that imposes an unreasonable or disproportionately large load on the Website infrastructure, including but not limited to denial of service attacks, "spam" or any other such unsolicited overload technique.
WE OR OUR SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND WE DO NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. WE RESERVE THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE US TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.Potential Disruption of Service
Access to the Website may from time to time be unavailable, delayed, limited or slowed due to, among other things:
- hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment;
- software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
- overload of system capacities;
- damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
- interruption (whether partial or total) of power supplies or other utility of service;
- strike or other stoppage (whether partial or total) of labor;
- governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
- any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond Our control.
Links to other third party websites are provided solely as pointers to information on topics that may be useful to the Website, and We have no control over the content on such third party websites. If you choose to link to a third party website not controlled by Us, We make no warranties, either express or implied, concerning the content of such website, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor do We warrant that such website or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. We do not guarantee the authenticity of documents on the Internet. Links to third party websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such websites.Children's Online Privacy
Protecting children on the Internet is very important to Us. For that reason, We do not intentionally collect information at Our web sites from those We actually know are under 13, and no part of the Website is intended to attract anyone under 13. Parents can be proactive and limit website access to their children by installing filtering software. Children's access to the Internet can permit them to visit inappropriate web sites and be exposed to unnecessary risks. The Children's Online Privacy Protection Act (COPPA) protects children under the age of 13 from the online collection of personal information. Learn more about COPPA at the Federal Trade Commission's web site for children's privacy at http://www.consumer.ftc.gov/articles/0031-protecting-your-childs-privacy-online and by viewing the following link on How to Protect Kids' Privacy Online.Copyright Notices
The works of authorship contained in the Website, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Bill Me Later, Inc. or one of its subsidiaries. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Bill Me Later, Inc.'s prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Bill Me Later, Inc.'s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.Trademark Notices
PayPal Credit is the marketing name for certain financial services activities of Comenity Capital Bank and Bill Me Later, Inc. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.LIMITATION OF LIABILITY
BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS" AND "AS AVAILABLE". WE AND THIRD PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. WE AND THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, WE WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL WE BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND OUR CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. WE AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, WE AND OUR AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND OUR AND OURAFFILIATES' CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING OUR RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATIONS. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER WE HAVE BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.Enforceability and Governing Law