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By receiving payments through the Service, you appoint PayPal as your agent to cause the funds to be deposited on your behalf in the Pooled Accounts until you further instruct PayPal with respect to the transmission of your funds. We require this information to authenticate your identity and to determine how much you may send with your account.{/INSERTKEYS}{/PARAGRAPH} We require this information to authenticate your identity and to determine how much you may withdraw from your account per month. or international mail service. Personal Accounts may receive non-credit card funded payments for free. Except as stated below, all amended terms shall be effective 30 days after they are initially posted on our site. If you are a California resident, you waive California Civil Code ァ, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must have materially affected his settlement with the debtor. This Agreement was last modified on March 13, In order to use the Service, you must register for a Personal, Premier, or Business account. Verification of Users is only an indication of increased likelihood that a User's identity is correct. You agree that any earnings on the Pooled Accounts will be the property of PayPal, and you will not receive interest or other earnings on the funds that PayPal handles as your agent. Thereafter, payments that you send through PayPal will be funded by a redemption of your shares in the Money Market Fund. Some states do not allow the exclusion of limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you. However, because user verification on the Internet is difficult, PayPal cannot and does not guarantee any user's identity. In the event that you have a dispute with one or more users, you release PayPal and our officers, directors, agents, subsidiaries, joint ventures and employees from any and all claims, demands and damages actual and consequential of every kind and nature arising out of or in any way connected with such disputes. Unless otherwise stated, "PayPal," "we" or "our" will refer collectively to PayPal, Inc. This User Agreement "Agreement" is a contract between you and PayPal, Inc. Unless otherwise specified, all references to a "bank" in this Agreement include savings associations and credit unions, and all references to a "credit card" include Visa- and MasterCard-branded debit cards. 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Personal Accounts that receive credit card funded payments may accept the payment by upgrading to a Premier or Business Account, or they will have to deny the payment. This may include ordering a credit report and performing other credit checks or verifying the information you provide against third party databases. If you do carry a U. Some states to not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. In order to withdraw money from your PayPal account we require you to provide PayPal with a number of forms of identification as further described and protected in our Privacy Policy. We act as your agent based upon your direction and your requests to use our Services that require us to perform tasks on your behalf. 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