Pro Se

Pro Se analysisAnalysed on

PayPal - Pay, Send, Save

Good overall compliance, with 8 red flags.

The policy scores 100 out of 100 and is graded D. It describes collecting 13 categories of personal data and sharing it with 11 third parties.

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Source policy: www.paypal.com

Pro Se rating: 100 out of 100, Good

100Good

Pro Se Rating
Privacy grade
Grade D
Overall score
100/100
Data categories
13 collected
Third parties
11 shared
Red flags
8 found

Critical attention required

Red flags identified

Our analysis flagged 8 points of concern in PayPal - Pay, Send, Save's privacy policy.

Unilateral Policy Changes

Analyze outcome:

8/27

The company can change the privacy policy at any time without notifying users.

Vague Language and Ambiguity

Analyze outcome:

8/27

Use of broad or unclear terms that provide the service with excessive leeway in data handling.

Tracking Across Sites

Analyze outcome:

8/27

The service tracks users' activities on third-party websites, indicating extensive data collection.

No Liability for Unauthorized Access

Analyze outcome:

8/27

The service disclaims liability for unauthorized access to personal data, indicating weak security responsibility.

No Opt-Out Options

Analyze outcome:

8/27

Lack of options for users to refuse certain types of data collection or sharing.

Tracking Despite Opt-Out

Analyze outcome:

8/27

The service continues to track users even after they have opted out of data collection.

Extensive Data Sharing

Analyze outcome:

8/27

The policy permits broad sharing of data with third parties, often without clear disclosure.

Deleted Content Not Truly Deleted

Analyze outcome:

8/27

Content you delete is retained by the service and not permanently erased.

What data is collected?

13 of 16Categories of personal data the policy says are collected.

  • Computer Information

    IP address, browser type and version, operating system, and device identifiers.

  • Demographic

    Data such as age, gender, ethnicity, and possibly education level or employment status.

  • Personal Identifier

    Data that can be used to identify an individual, such as name, email address, phone number, and government-issued IDs.

  • Purchase and Order History

    Specific financial information detailing items bought or services contracted.

  • User Profile

    Information users provide to create a profile, which might include a username, bio, preferences, etc.

  • Financial

    Encompasses payment information, transaction history, credit card details, and financial account details.

  • Location

    GPS data, IP address-based location, and other geolocation data.

  • Employment Information

    Details about employment status or history if relevant.

  • Communications

    Content of user communications through messaging services or support channels.

  • Biometric Data

    Fingerprints, facial recognition data, or other biometric identifiers.

  • User Online Activities

    Information about how users interact with a website or application, such as browsing history, search queries, and usage patterns.

  • Cookies and Tracking Elements

    Information collected through cookies, web beacons, and other tracking technologies used to track user behavior and preferences online.

  • Contact Information

    Phone numbers, email addresses, and other contact points.

Data shared with third parties

11Organisations the policy says data is shared with.

  • Swift Financial LLC

  • Venmo

  • Paidy Inc.

  • Mastercard

  • Simility

  • PayPal Honey

  • Visa

  • Bill Me Later, Inc.

  • Google

  • PayPal

  • Chargehound LLC

Purpose of data collection

9 of 10Understand why your data is requested.

  • Personalization

    To enhance user experience, data might be collected to personalize content, recommendations, and features based on individual preferences and behaviors.

  • Communication

    Organizations often collect contact information to communicate with users, such as sending transactional emails, updates, newsletters, or responding to inquiries.

  • Transaction Processing

    Personal and payment information is often collected to process transactions and manage billing for services or products.

  • Marketing and Advertising

    With user consent, data may be used for marketing purposes, such as targeting advertisements or promotions to users who might find them relevant.

  • Security and Fraud Prevention

    Information might be collected to protect against and detect fraud, unauthorized activities, and other security threats.

  • Service Provision

    Data is often collected to provide and improve the services or products that users have requested. This could involve using personal data for account creation, service delivery, or customer support.

  • Legal Compliance

    Organizations may need to collect data to comply with legal obligations, such as maintaining records for regulatory purposes or responding to legal requests.

  • Research and Development

    Data might be used for research and development to innovate and develop new features, technologies, or services.

  • Analytics and Improvement

    Data is used to analyze how users interact with a service or product. This helps in improving user experience, addressing issues, and making informed business decisions.

Data retention periods

3How long the policy says data is kept.

  • Long-term Retention

    Data retained for several years due to legal, contractual, or business reasons. This might include transaction records, certain legal compliance data, and employee records.

  • Medium-term Retention

    Data kept for several months to a few years. Examples include marketing data retained until a user unsubscribes or demonstrates inactivity for a certain period.

  • Regulatory Compliance

    Data retained specifically to meet regulatory requirements, where laws dictate specific timeframes, such as tax records or data related to legal disputes.

Mobile app permission concerns

Based on the permissions the application requests, beyond what the policy states it collects.

  • No undisclosed data

    The privacy policy discloses every type of data this app's permissions could give it access to.

Your rights

7 of 7 grantedWhat the policy says about your data protection rights.
  • Right to access your dataYes
  • Right to erasureYes
  • Right to correct your dataYes
  • Right to data portabilityYes
  • Right to object to processingYes
  • Right to restrict processingYes
  • Right to withdraw consentYes

Security measures applied to protect the data

6 of 11Technical and organisational safeguards the policy describes for protecting your data.

  • Data Access Limitation

    Access to personal data is restricted to the staff and systems that need it, for example through role-based permissions.

  • Secure Data Storage

    Personal data is kept in protected systems, such as secured data centers or encrypted databases.

  • Generic Security Assurances

    The policy states that data is protected but does not describe the specific measures used.

  • Secure User Authentication

    Accounts are protected by measures such as strong passwords, two-factor authentication or secure session handling.

  • Privacy and Security Program

    A formal program of policies, roles and controls the organization maintains to protect personal data.

  • Encryption

    Data is encoded so that only authorized parties can read it, in storage, in transit, or both.

When will users be notified about privacy policy changes

4 of 8Circumstances that trigger user notification regarding updates to data handling practices.

  • Introduction of New Services

    New products or features that collect or use personal data in new ways.

  • Legal Compliance Updates

    Changes made to comply with new or amended laws and regulations.

  • Business Changes

    Changes to the organization itself, such as a merger, acquisition or sale of assets, that may affect how data is handled.

  • Changes in Data Processing

    Changes to how, where or by whom personal data is processed, such as new service providers or storage locations.

How will users be notified about privacy policy changes

2 of 8The channels and methods used to communicate privacy policy updates to users.

  • Update in Privacy Policy Document

    The revised policy is published, usually with a new "last updated" date, and users are expected to check it themselves.

  • Website Announcement

    A notice is posted on the service's website, such as a banner or a news page.

4 of 6The lawful grounds under which your personal data is collected and processed.

  • Contractual Necessity

    Processing is needed to perform a contract with the user, or to take steps the user asked for before entering into one.

  • Consent

    The user has agreed to the processing of their personal data for one or more specific purposes.

  • Legal Obligation

    Processing is needed to comply with a law the organization is subject to.

  • Legitimate Interests

    Processing is needed for the legitimate interests of the organization or a third party, unless the user's rights and interests override them.

Children's data

What the policy says about collecting data from children.

  • Addresses data from children

    Whether the policy specifically covers how data from children and minors is handled.

    Yes

  • Collects data from children

    Whether the policy says the service collects personal data from children.

    No

  • Minimum age

    The age below which the policy says personal data is not collected.

    18 years

  • Age for consent

    The age the policy gives for obtaining consent to process a child's data.

    0 years

Contact information

Reach out to the data controller for questions, requests, or concerns about your personal data.
Email
privacy@paypal.com
Phone number
1-888-221-1161
Website
www.paypal.com
Address
2211 N. 1st St., San Jose, CA 95131
Company name
PayPal Inc.

About this application

Platform
Android
Application id
com.paypal.android.p2pmobile
Category
Finance
Store listing
Store page