If you do not comply with implementation, access and use requirements you will be liable for all resulting damages suffered by you, PayPal and third parties. Do not make a claim with your credit card company. You can file a dispute through PayPal. In Singapore, PayPal is the holder of a stored value facility that does not require the approval of the Monetary Authority of Singapore. Check out PayPal Buyer Protection Policies. For more information on AFCA, please visit www.afca.org.au. We will give you at least 30 days’ advance notice of any fee increase or the introduction of a new type of fee. Solved: Hi there. Suspend your eligibility for PayPal’s Buyer Protection Policy and/or PayPal’s Seller Protection Policy. PayPal protection is for PayPal purchases and you are not covered if you’ve made a claim … Notwithstanding the provisions of the prior paragraph, if you are a seller using the PayPal services to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable (through multiple tiers), and royalty-free, fully paid-up, right to use and display publicly, during the term of this user agreement, your trademark(s) (including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you) for the purpose of (1) identifying you as a merchant that accepts a PayPal service as a payment form, and (2) any other use to which you specifically consent. However, in order to qualify for PayPal’s buyer protection, you must make sure to follow proper procedures.. Return funds to the sender and restore access to your account; Continue to limit your account access to protect us against the risk of reversals, legal and/or regulatory risk or because we may be prohibited by law from releasing funds or unrestricting your account; Close your account by giving you notice and returning any funds held in your balance to you, less funds in dispute. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction and must include: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. "In Australia, Brazil, Canada, Japan, United States and other countries, we have excluded payments made to crowdfunding campaigns from our buyer protection programs. Where we cannot resolve a complaint within 45 days, we will notify you of the reason for the delay as well as an indication of when we expect to resolve the complaint. It applies to Australian PayPal accounts only. It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page. PayPal’s Buyer Protection Policy may apply when you encounter these specific problems with a transaction: If you believe that a transaction made through your PayPal account was not authorised by you, this type of claim is different from the Buyer Protection Policy, and is described below under Liability for Unauthorised Transactions and Other Errors. Reports of unauthorised or unusual card use associated with the account. posted 2016-Feb-15, 5:52 pm AEST O.P. You receiving less than the correct amount to which you were entitled, then we will credit your PayPal account for the difference between what you should have received and what you actually received. I went to my local post office, filled out some paper work and left the tail light with the PO. Except as otherwise set out in this agreement, written notices to PayPal must be sent by postal mail to: PayPal Australia GPO Box 351 Sydney NSW 2001, PayPal, in its sole discretion and acting reasonably, may. Fees . Check out PayPal Buyer Protection Policies. Your claim will not qualify for a refund under PayPal’s Buyer Protection Policy for an Item Not Received claim, if: If the seller presents evidence that they delivered the goods to you, PayPal may find in favour of the seller for an Item Not Received claim even if you claim you did not receive the goods. I find that people who normally think that PayPal buyer protection is great have never had to use it. The steps you must follow are described below, and if you do not follow these steps your claim may be denied: Step 1: Open a dispute within 180 days of the date you made the payment. I bought a few sets of shoe containers that looked nothing like the picture on the seller's website, the seller has admitted that they sent the wrong product AND the product is broken (doesn't assemble properly) and Paypal denied my dispute because it's not "materially different". Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions. This version: 20-4 Previous version: 20-3 Last update: 6 November 2020. Relative in Need: a scammer impersonates a family member (commonly grandchildren) and claims there is an emergency requiring you to send money. In most cases, you may have the right to have your card issuer perform the currency conversion, if applicable for that card issuer and network. Compelling evidence could include a system of record showing the date the item was sent and that it was either: The following is required as proof of shipment or proof of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. If you’ve paid with a credit card through PayPal, be sure to make a claim with PayPal first. You may close your account and terminate your relationship with us at any time without cost, but you will remain liable for all obligations related to your PayPal account even after the PayPal account is closed. Resubmit any debit, or submit it to another payment method, if it is returned for insufficient or uncollected funds. If we suspect someone could be using your PayPal account without your knowledge, we’ll limit it for your protection and look into the fraudulent activity. In this section, we use the term “PayPal” to refer to PayPal Australia Pty Ltd, our ultimate parent, PayPal Holdings, Inc., and our affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers and suppliers. If you accept PayPal payments at your physical store, you must communicate the total amount of the transaction to the customer before it takes place. Terminate or suspend an account at any time so as to protect its legitimate interests, including if it is unable to continue to offer the services to a user, subject to the provision of reasonable notice. It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions. Harass and/or threaten our employees, agents, or other users. You received a completely different item. Gambling, gaming and/or any other activity with an entry fee and a prize. In certain cases, you may not close your PayPal account, including: Any funds we are holding for you at the time of closure, less any fees, will be paid to you at our discretion by: You can link or unlink a debit card, credit card, or an Australian bank account to your PayPal account as a payment method. If an item doesn’t arrive or is significantly not as described, we’ll help you get a full refund. If your PayPal balance is insufficient to cover your liability for the payment amount plus the fees, we may use any of the payment methods linked to your PayPal account to cover the amount due. When your payment is funded by a debit or credit card and PayPal determines a currency conversion is necessary, you consent to and authorise PayPal to convert the currency in place of your debit or credit card issuer. Our failure to act with respect to a breach of any of your obligations under this user agreement by you or others does not waive our right to act with respect to subsequent or similar breaches. Any negative PayPal balance represents an amount that you owe to us, and, in this situation, you must immediately add funds to your PayPal balance to resolve it. Your bank or card issuer may also charge you separate fees. When applicable, PayPal’s Buyer Protection Policy entitles you to reimbursement for the full purchase price of the item plus the original shipping costs you paid, if any. Not knowingly do anything or permit anything to be done which might lead to a breach of any data protection laws by PayPal. Return of an incoming electronic funds transfer for insufficient funds or incorrect bank details. However, even without your PayPal account, you can still use the codes you received by email when you purchased the gift certificates/cards to make purchases. According to the officer I spoke with, I should not return counterfeit goods to the seller since this is an illegal activity. If PayPal does not make a final decision on your claim until after your card issuer's deadline for filing a dispute, and because of our delay you recover less than the full amount you would have been entitled to recover from the card issuer, we will reimburse you for the remainder of your loss (minus any amount you have already recovered from the seller or your card issuer). not sent using your PayPal account). You acknowledge that all rights, title and interest to PayPal’s software are owned by PayPal and any third party materials integrated therein are owned by PayPal’s third party service providers. PayPal reviews certain potentially high-risk transactions. If you are using PayPal software such as an API, developer's toolkit or other software application, which may include software provided by or integrated with software, systems or services of our service providers, that you have downloaded or otherwise accessed through a web or mobile platform, then PayPal grants you a revocable, non-exclusive, non-sublicensable, non-transferable, royalty-free limited license to access and/or use PayPal's software in accordance with the documentation accompanying such software. If your eligible PayPal purchase doesn’t go as planned, we’ll help you make it right with Buyer Protection. Limitations also help us collect information necessary for keeping your PayPal account open. If you pursue a dispute/claim with us and you also pursue a dispute for the same transaction with your card issuer, we’ll close your dispute/claim with us. We will rectify any processing error that we discover. Your PayPal balance, if you used your PayPal balance as the payment method or a bank account as the payment method, once the money clears the bank. If your account is associated with another account or service you receive from us, one of our affiliates or eBay which has been limited, is not in good standing, or poses a risk to the integrity, security or reliability of us or our systems. PayPal will make a decision, in its sole discretion, based on the coverage and eligibility requirements, any information or documentation provided during the resolution process or any other information PayPal deems relevant and appropriate under the circumstances. If they don’t open a PayPal account within 30 days, your purchase will be refunded. Attempts to "double dip" by receiving funds in a dispute both from us and through a. You must keep your mailing address, email address and other contact information current in your PayPal account profile. Please keep your payment method information current (e.g. Thanks to Buyer Protection cover, you could get your money back if a product you’ve purchased isn’t delivered or if it arrives in bad condition. It is still against the law to sell counterfeit goods in the US. You may not rent, lease or otherwise transfer your rights in the software to a third party. The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim). You must treat PayPal as a payment method and mark at least on par with any other payment methods offered at your points of sale, wherever PayPal’s branded services are integrated, including your websites, and mobile applications. Once processed, PayPal will not re-route the transaction through a different account. PayPal does not claim ownership of the content that you provide, upload, submit or send to PayPal. As a buyer, this may delay your receipt of the item you purchased. Based on the fact that you are dealing with an overseas merchant or seller and the time involved for shipping and communication, the chances of everything going in your favor are reduced. You may view your PayPal account statement by logging into your PayPal account. When it applies, PayPal’s Seller Protection Policy entitles you to retain the full purchase amount for debit and credit card-funded transactions. PayPal is not responsible for determining whether any taxes apply to your transaction, or for calculating, collecting, reporting or remitting taxes arising from any transaction. The amount of the refunded payment will be deducted from your PayPal account. If you are not satisfied with our resolution or handling of your complaint you may wish to contact AFCA by: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001. Cheers Jason If you are still not satisfied with our determination, you can make a complaint. Please read and consider the Combined Financial Services Guide and Product Disclosure Statement before acquiring or using the service.When you visit or interact with our sites, services, applications, tools or messaging, we or our authorised service providers may use cookies, web beacons, and other similar technologies for storing information to help provide you with a better, faster and safer experience and for advertising purposes. Provide yourself a cash advance from your credit card (or help others to do so). You acknowledge and agree that we are entitled to any interest earned on funds held on your behalf, and that interest will not be paid into your account. 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