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PayPal Changes Customer Identity Program, Amends Privacy Policy (no rights, no more privacy online)
Auction Bytes ^ | 2-27-12 | Ina Steiner

Posted on 02/29/2012 11:41:51 AM PST by STARWISE

PayPal is making changes to its privacy policy that will go into effect on April 1, 2012. The online payments unit of eBay is also adding extensively to its "Identity Authentication" section that all buyers and sellers must agree to as part of the User Agreement.

PayPal said it was making changes to its Customer Identification program "as a result of changes in the law."

Somewhat ironically, an alert reader noticed that PayPal users are unable to opt-out of AdChoice, a program that allows PayPal and other eBay entities to share information about visitors' past activities with its partners in order to serve up targeted advertisements, both on and off of eBay websites.

When attempting to opt-out of AdChoice on PayPal, the following error message is displayed: "We're sorry, we can't change your preference at this time."

As part of the changes that take effect beginning in April, Section 2.3 of the User Agreement addresses the types of information PayPal collects and currently reads:

Identity Authentication. You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to validate your identity.

This may include asking you for further information, requiring you to provide a taxpayer identification number, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying your Information against third party databases or through other sources.

Effective Date: April 1, 2012, Section 2.3 will read as follows:

You authorize PayPal, directly or through third parties, to make any inquiries we consider necessary to validate your identity.

This may include asking you for further information, requiring you to provide your date of birth, a taxpayer identification number and other information that will allow us to reasonably identify you, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying your Information against third party databases or through other sources.

We may also ask to see your driver's license or other identifying documents at any time. If you use certain PayPal Services federal law requires that PayPal verify some of your Information. PayPal reserves the right to close, suspend, or limit access to your Account and/or the PayPal Services in the event we are unable to obtain or verify this Information.

PayPal is also amending its Privacy Policy and recommended users review the updated policy in its entirety. The amended Privacy Policy is effective April 1, 2012 for existing users and effective upon acceptance for new users.

Among the changes is how PayPal collects information about users. "We have amended this section to address how PayPal collects data from your computer, mobile phone or other access device," according to the notice. "We may also collect information about your use and interaction with our website, application or the PayPal Services."

PayPal also have amended the section on cookies "to reflect our use of session and persistent cookies, Local Shared Objects (commonly referred to as "Flash Cookies") and the use of pixel tags," and amended the marketing section "to address opting-out of notifications via our application and SMS messages.

More information is available on the PayPal Upcoming Policy Updates page.


TOPICS: Business/Economy; Extended News; Miscellaneous; News/Current Events
KEYWORDS: datacollection; ebay; paypal; privacy
I'm so appalled at google's and now ebay and paypal's outrageous arbitrary, overreaching data/fee grabbing and fund withholding policies.

I have a friend who's been a successful ebay seller and buyer for nearly 15 years, and has also sold some unneeded items for me from time to time. It's not a business, she just does it randomly all these years with a sterling record. All of a sudden 4-5 months ago after she sold an item, she was told that she needed to have x # of current sales auctions, and her payment was being withheld until she reached that #, excluding totally her years of the perfect rating both as a seller and buyer. PayPal was of course the conduit of payment.

After much unleashed fury and outrage, a supervisor finally told her this was the policy but that she'd release the funds 'this one time.' These people are just mad with greed.

Found a cached post from ebay's site that's since been removed from the site:

SELLERS DON'T GET MONEY FOR 21 DAYS! OPEN MASIVE LAWSUITS NOW!

Feb 26, 2012 02:50 PM

EBAY&PAYPAL ARE 1 ! THEY MAKE INTEREST OFF OUR MONEY ALL YEAR LONG, IN THE BILLIONS! DO YOU?---NOPE!---- YOU GET CHEATED! URGENT READ!

ALL SELLERS HAVE NO ACCESS TO MONEY ANYMORE DUE TO EBAY & PAYPAL HAVE BEEN 1 ENTITY FOR YEARS THEY "BOTH" ARE OWNED BY THE SAME!

NOW THEY MAKE MONEY OFF HOLDING 3 WEEKS AT ALL TIMES ALL YEAR, OFF YOU, THATS RIGHT "YOU"!!

TAKE A STAND ALL SELLERS OPEN A MASIVE LAWSUIT NOW WE ALL JUMP ON BOARD & TAKE THEM FOR WHAT THEY ARE & HAVE BEEN TAKING FROM US!

SOME POOR SOULS HAVE NOTHING TO LIVE ON BUT THEIR SALES, YOU THINK EBAY OR PAYPAL GIVES A S**T!

*********************NO*************THEY DO---NOT!

NOW IT IS TIME TO OpEN LAWSUIT & ALSO REPORT THEM TO THE IRS THEY NOW MUST CLAIM ALL YEAR LONG OF HOLDING ALL OUR MONEY 3 WEEKS AS THEY (EBAY & PAYPAL) """MAKE INTEREST"" OFF OUR MONEY.TIME TO WAKE UP IS ---NOW----!

~~~~~~

If there are other reasonable and fairly run options out there, I'd love to pass them along to my friend.

1 posted on 02/29/2012 11:42:01 AM PST by STARWISE
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To: onyx; penelopesire; maggief; hoosiermama; SE Mom; Liz; rodguy911; Fred Nerks; Red Steel; ...

.. Ping!


2 posted on 02/29/2012 11:54:34 AM PST by STARWISE (The overlords are in place .. we are a nation under siege .. pray, go Galt & hunker down)
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To: STARWISE

Amazon payments is good. No fees currently.


3 posted on 02/29/2012 11:58:22 AM PST by ChuckHam
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To: STARWISE
I keep getting an automated response from PayPal every time I make a purchase on eBay. They tell me that I'm approaching my $10,000 limit, and that if I want to eliminate that limit I need to either (1) Apply for their captive credit card or (2) Give them direct access to my bank account. It has taken me about three or four years to have my cumulitive online purchases reach this amount.

I routinely reply that I have never owed PayPal a single dime and that everything I buy online and charge through them is immediately paid for with the VISA card I have listed with them (by the way, it has a $15,000 limit). I further state that I have privacy concerns and do not give out my banking information (or Social Security Number for that matter) to anyone who doesn't have a legal need to have it.

So far I've not been able to make that problem go away, so I'm going to have to find another way to shop online....or maybe return to shopping locally.

4 posted on 02/29/2012 11:59:24 AM PST by Retired COB (Still mad about Campaign Finance Reform)
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To: STARWISE

Swell. I have to give Paypal a cut off the top of an Ebay sale so I can have the privilege of having my information sent to who knows where. This type of stuff may turn enough people off that paypal will suffer the consequences. At least that is my hope.


5 posted on 02/29/2012 12:00:23 PM PST by Lazlo in PA (Now living in a newly minted Red State.)
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To: STARWISE

When I opened my PayPal account a few years ago, I had to provide all of that information, as well as allowing PayPal to send a $0.01 transaction before they made my account “certified.”

eBay and PayPal offer buyer protection, so I’m sure they want positive buyer identification first so minimize fraud.


6 posted on 02/29/2012 12:03:11 PM PST by Yo-Yo (Is the /sarc tag really necessary?)
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To: STARWISE

There is NOTHING that I NEED PayPal for. I have used it for a few online purchases but overall it could go away without any notice by me.


7 posted on 02/29/2012 12:04:19 PM PST by CodeToad (NO TAXATION WITHOUT REPRESENTATION!!!)
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To: ChuckHam

As far as I know, Amazon can’t be used to purchase on ebay .. right?


8 posted on 02/29/2012 12:05:39 PM PST by STARWISE (The overlords are in place .. we are a nation under siege .. pray, go Galt & hunker down)
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To: STARWISE

Sooner or later, Paypal makes every user miserable. It should be avoided like the scam it is.
Buy on ebay if you like, but sell on bonanza.com. Bonanza doesn’t require a Paypal account.
If you buy on ebay, ask the seller if he’ll accept a money order or check. If he won’t...don’t deal with him.
Paypal needs to be prosecuted but I’d settle for seeing it starved out of business.


9 posted on 02/29/2012 12:14:11 PM PST by Lady Lucky (Gingrich 2012: Open Throttle for America)
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To: Yo-Yo
If you open up a checking account these days it is amazing the paperwork you have to go through to open it. Federal regulations, fraud and frivolous lawsuits result in this onerous, burdensome information gathering. Companies pass on these costs to users, same as that cell phone you use with the additional "fees". I can't put all the blame on PayPal for charging for their service - nothing is free these days, and nothing is private anymore.

Conservatives should put the blame where it belongs - on lawmakers and criminals. "Greed", I'm sorry to say, is a liberal, non-free market word. If Paypal starts to charge too much over what the buyer demands, then someone else will pick up where they lose out - it's the capitalist way.

10 posted on 02/29/2012 12:15:57 PM PST by gramho12
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To: STARWISE
You friend's communications sound like an Occupy Snit, begging for a faux political response.

It's not the money or the delayed payments that worries me. It's the collection of identifying information.

11 posted on 02/29/2012 12:18:11 PM PST by GVnana (Newt 2012 - He Speaks for Us)
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To: STARWISE

I am no lover of Paypal. I hate them.
Paypal has never held my money (received payments from Ebay sales) for 21 days. Takes 3-4 business days for money to “clear” and be available for use. Where did you find that info?


12 posted on 02/29/2012 12:26:29 PM PST by Minutemen ("It's a Religion of Peace")
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To: Lady Lucky

Good info ... thanks!


13 posted on 02/29/2012 12:27:31 PM PST by STARWISE (The overlords are in place .. we are a nation under siege .. pray, go Galt & hunker down)
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To: Minutemen

My friend with the perfect rating for over 10 years
was told it would happen .. until she screamed up
numerous levels. I found this

http://thebrewsnews.wordpress.com/2008/11/15/the-keys-to-surviving-the-paypal-21-day-hold-policy/

I see being suspicious of newbies on ebay or paypal.. but this person was far away from that with her long standing
perfect record as both a buyer and seller.

Very arbitrary and unfair policy ..

I hope it does cost them dearly. I’m definitely telling her to check out Bonanza for selling. I just remembered Glenn Beck talking about some other site .. U Pillar .. will pass that along too.


14 posted on 02/29/2012 12:34:34 PM PST by STARWISE (The overlords are in place .. we are a nation under siege .. pray, go Galt & hunker down)
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To: Minutemen

Frequently Asked Questions - Payment Holds
Overview

When some sellers receive payments, we may hold the money in a pending balance for up to 21 days to help make sure that there are funds in the seller’s account to cover potential refunds or claims. The funds may be released early if PayPal determines that the transaction has been fulfilled and customers are satisfied.

While funds are pending, the money belongs to you but isn’t available to spend or withdraw.

If payments on your account are held, we’ll notify you. PayPal will re-evaluate your account every 35 days and decide whether or not to continue holding payments. If we decide to stop holding future payments, we’ll contact you.

https://cms.paypal.com/cgi-bin/marketingweb?cmd=_render-content&content_ID=security/paypal_holds_faq%C2%A0

Makes no sense. If the funds are extracted from your bank and sitting at paypal .. it’s clear the funds are absolutely there and they know it.


15 posted on 02/29/2012 12:37:43 PM PST by STARWISE (The overlords are in place .. we are a nation under siege .. pray, go Galt & hunker down)
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To: Minutemen

Also

21 May

You may also be interested in these guides: EBay Expands 21 Day Payment Hold Policy To All Sellers? and eBay and Paypal Seller Protection Policy – What’s Really Covered

At the beginning of 2008, Paypal instituted a policy dubbed the “21-Day Hold.” This policy gives Paypal the right to restrict sellers from withdrawing a buyer’s payment from their Paypal account. In effect, this denies the seller access to their money for at least 21 days, depending on whether or not the buyer is satisfied with the item they receive.

http://www.auctioncope.com/guide/paypal-21-day-payment-hold-on-ebay-sales-what-it-is-and-how-to-deal-with-it/


16 posted on 02/29/2012 12:43:14 PM PST by STARWISE (The overlords are in place .. we are a nation under siege .. pray, go Galt & hunker down)
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To: Retired COB
Years ago when I sold on ebay I opened a new bank account with 50 dollars and that was the account # ebay got. I would do electronic transfers into that account when my pay pal account got 300 dollars in it. I would leave 100 in pay pal only...I was a small time seller but was not going to give anyone access to my real bank account....it worked out fine until I quit due to a big problem with pay pal since I had changed IP and had a different email address. They wouldn't put in 5 sales I had made because of that and after 2 weeks of fighting with them told them to go F themselves and notified the buyers that the money would be returned to their accounts by pay pal...

Pay pal could only freeze 100 dollars if a problem came up. The money in the checking account for pay pal was empied as it grew....people had pay pal freeze their accounts with thousands in it due to a complaint....

17 posted on 02/29/2012 12:46:05 PM PST by goat granny
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To: STARWISE
These people are just mad with greed.

If Ebay and Paypal were "mad with greed" they wouldn't be doing everything in their power to piss off their customers.

Everything I've read lately makes me think that the folks running both companies are complete morons, because both companies depend on customer transactions and pissing off customers more and more and driving them to competitors is not the way to increase customer transactions.

I remember hearing that Paypal was founded by libertarians. I find that hard to believe, it's turning into something that sounds like it's run by Democrats.

My nephew used to buy and sell military memorabilia on there, and did quite a bit of business. From what he said over Christmas, Ebay has went from being an auction website to an overstock company, and he said they are doing their best to drive people like him away who sell unique items or only sell an item or two a day in favor or companies that are selling surplus crap out of China. He's been moving his business over to Amazon and a few other places. He said Ebay and Paypal are getting more and more hostile towards smaller sellers like him.

It now makes sense why Ebay bought Craig's List - Craig's List could have been a serious contender or alternative.

If I were a stockholder of Ebay, I would just be furious at the direction they are going. I would also dump my stock, because I can't see how Ebay can keep up their current financial performance if they are driving the smaller sellers away in favor of the overstock people. I guess Ebay thinks they can make a business out of people selling $3 USB cables or something.

Amazon on the other hand, it's easy as hell to sell on there, and they are run by some incredibly competent people who are looking down the road rather than at the next quarter.
18 posted on 02/29/2012 12:56:10 PM PST by af_vet_rr
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To: STARWISE
Seriously? This new policy takes effect on April Fools Day?

...or did i just ruin a trolling attempt with my first evah post?

19 posted on 02/29/2012 1:14:18 PM PST by PvtHudson
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To: STARWISE

time to pull my paypal account


20 posted on 02/29/2012 1:16:25 PM PST by GOP Poet
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To: Lady Lucky; STARWISE; Lazlo in PA

I will never use PayPal again.


21 posted on 02/29/2012 1:45:39 PM PST by TheOldLady (FReepmail me to get ON or OFF the ZOT LIGHTNING ping list)
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To: lonevoice

ping


22 posted on 02/29/2012 2:05:31 PM PST by Pride in the USA
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To: STARWISE

I should add that according to ebay rules, sellers aren’t even allowed to HINT that they’ll accept a check, money order, or cash-on-pickup. But the buyer has no such restrictions and can suggest it, and then the seller is free to agree.

It’s a great place to buy. They’ve got everything. Good solid vintage stuff made in America. Clothing you can buy for the kids without cringing at the immodesty. Tools. Real estate. Cars.

But don’t encourage or support Paypal if you can avoid it. Most sellers will agree to alternatives if you suggest it, many don’t like Paypal but can’t say so.

You want to read something really scary, check out the anti-paypal sites on the internet. Horror stories. Or even the community forums (Paypal discussion board) on ebay. You’ll be scared straight!


23 posted on 02/29/2012 2:05:45 PM PST by Lady Lucky (Gingrich 2012: Open Throttle for America)
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To: STARWISE
Deal with Ebay/Paypal at your peril!

Picture at link plus the rest of the story.

24 posted on 02/29/2012 2:15:15 PM PST by brityank (The more I learn about the Constitution, the more I realise this Government is UNconstitutional !!)
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To: af_vet_rr

eBay is a minority owner of Craigslist, but doesn’t control
as a matter of fact they have sued Newmark over some policies


25 posted on 02/29/2012 2:22:56 PM PST by nascarnation (DEFEAT BARAQ 2012 DEPORT BARAQ 2013)
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To: Retired COB
PayPal kicked me out several years ago when I tried to replace my expired credit card with a new one. PP insisted that I must continue to use the expired card but, of course, I couldn't buy anything with it because it was expired It was all a Big Mixup. I am since glad that the mixup occurred. I have not gone back.
26 posted on 02/29/2012 2:23:19 PM PST by arthurus (Read Hazlitt's "Economics In One Lesson.")
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To: STARWISE
Makes no sense. If the funds are extracted from your bank and sitting at paypal .. it’s clear the funds are absolutely there and they know it.

That hold gives them the money to hold for 21 days in which time is put to interest. It is an income source for PayPal. Interests rates being what they are these days the money is tiny but it is not nothing. Banks do that sort of thing to you as routine.

27 posted on 02/29/2012 2:29:34 PM PST by arthurus (Read Hazlitt's "Economics In One Lesson.")
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To: af_vet_rr

has went ?


28 posted on 02/29/2012 2:32:33 PM PST by arthurus (Read Hazlitt's "Economics In One Lesson.")
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To: Retired COB
" I further state that I have privacy concerns ..."

But apparently not enough concern that you won't share with what card you pay and the limit on your card, not to mention how much you've spent on eBay.

29 posted on 02/29/2012 2:42:10 PM PST by JustaDumbBlonde (Don't wish doom on your enemies ... plan it.)
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To: STARWISE

TY SWEETHEART. Sharing this with my 5000 friends on facebook!


30 posted on 02/29/2012 3:53:11 PM PST by MeekMom (http://www.bible.ca/indexsalvation.htm)
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To: nascarnation
eBay is a minority owner of Craigslist, but doesn’t control as a matter of fact they have sued Newmark over some policies

I was thinking Ebay got more control, but you're right. And NewMark sued Ebay over other policies. Doesn't sound like they are happy with each other.
31 posted on 02/29/2012 6:46:35 PM PST by af_vet_rr
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To: arthurus
has went ?
I can remember when you could find a lot more interesting things on Ebay. Now it seems like a lot of it is just wholesalers, and it sounds like that is what they prefer as far as sellers going by Ebay's forums. A lot of people seem pissed over some changes this month.
32 posted on 02/29/2012 6:49:58 PM PST by af_vet_rr
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To: JustaDumbBlonde
But apparently not enough concern that you won't share with what card you pay and the limit on your card, not to mention how much you've spent on eBay.

I gave generalities about the card....not specifics. You couldn't charge anything to it without a lot more information.

BTW, very apt username.

33 posted on 03/01/2012 7:02:22 AM PST by Retired COB (Still mad about Campaign Finance Reform)
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To: Retired COB
At least my dumb self had a quick flash of enlightenment to recognize your thinly veiled attempt to impress us with the limits on your card and how much you've spent on eBay. You could have easily conveyed your experience with paypal without the numbers.
34 posted on 03/01/2012 7:44:40 AM PST by JustaDumbBlonde (Don't wish doom on your enemies ... plan it.)
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To: JustaDumbBlonde
You could have easily conveyed your experience with paypal without the numbers.

I believe that the numbers are relevant to the point I was trying to make.

I've been poor - to the point that I literally ate out of garbage cans as a child, and now by that standard I'm rich (although I don't meet Obama's standard of $250K per year yet). I LIKE RICH BETTER

35 posted on 03/01/2012 8:28:41 AM PST by Retired COB (Still mad about Campaign Finance Reform)
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