PayPal Balance Terms and Conditions

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PAYPAL BALANCE TERMS AND CONDITIONS

About Your PayPal Balance Account

PAYPAL BALANCE TERMS AND CONDITIONS Last updated on September 14, 2026

About Your PayPal Balance Account

Please note that these PayPal Balance Terms and Conditions apply to accounts currently or previously named PayPal Cash and PayPal Cash Plus. All references to “PayPal Balance account” or “Balance Account” shall be deemed to include PayPal Cash and PayPal Cash Plus accounts, as applicable.

These terms and conditions are between you and PayPal, Inc. and govern your use of your PayPal Balance account and the PayPal services related to that account. The terms “PayPal Balance account” or “Balance Account” in these terms and conditions will be used to refer to a PayPal Balance account and shall include any account currently or previously known as a PayPal Cash account or a PayPal Cash Plus account, as applicable.

These terms and conditions apply to U.S. Balance Accounts only. You must be an individual and resident of the United States or one of its territories and at least 18 years old, or the age of majority in your state of residence to open a U.S. Balance Account and use the PayPal services.

By opening and using a Balance Account, you agree to comply with all aspects of these terms and conditions and any upcoming changes described on the Policy Updates page at the time you accept these terms and conditions (which changes will apply to you on the indicated effective dates). You also agree to comply with the following:

• PayPal Account User Agreement (including its Arbitration Agreement)

• Acceptable Use Policy

• Electronic Communications Delivery Policy (E-Sign Disclosure and Consent)

Please read carefully all of these terms and conditions, the terms of the above policies, and each of the other terms and agreements that apply to you as they affect your legal rights. These terms and conditions include Dispute Resolution provisions that include an agreement to resolve certain disputes in arbitration on an individual basis (Arbitration Agreement), a class action waiver, and jury trial waiver. In arbitration, cases are decided by arbitrators, who apply the same law a court would apply, but there is less discovery than in court, class or representative proceedings or relief aren’t allowed, there is no appellate review, and review of the arbitrator’s decision by a court is limited. If a case is part of a mass arbitration, special procedures will apply. You can opt out of the Arbitration Agreement by following the Opt-Out Procedure in the Arbitration Agreement within 30 days of your first agreeing to an Arbitration Agreement with us. If any disputes proceed in court, you and we agree to waive trial by jury or to bring or participate in a class or representative action.

We may revise these terms and conditions and any of the other terms, agreements, or policies from time to time. The revised version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will provide notice of such changes in accordance with the terms of the user agreement.

• Notice will include posting information about the changes on our Policy Updates page. If you accepted these terms and conditions prior to us posting notice of the changes on our Policy Updates page, then such notice will be provided at least 21 days before the applicable effective date.