General Terms and Conditions of Funlus Oy’s Services

1. Application and Validity of the Terms of Agreement

These terms and conditions apply to the products and services provided by Funlus Oy (hereinafter referred to as the service provider) and the contracting party (hereinafter referred to as the customer). These terms take effect on January 1, 2019, and remain in force until further notice, replacing any previous terms and conditions.

2. Subject of the Agreement

The agreement defines the terms for the product or service ordered by the customer and delivered by the service provider. Services provided by other companies, such as the customer’s internet connection, are not the responsibility of the service provider.

3. Formation and Transfer of the Agreement

The agreement is formed when the customer orders the service and the service provider has confirmed the order. Confirmation is primarily done electronically, but other methods may also be used. The customer is not permitted to transfer the agreement to a third party without the written consent of the service provider. The service provider has the right to transfer the agreement and/or services to a third party and to modify the content of the agreement and/or service description.

4. Credit Information Verification

The service provider has the right to check the customer’s credit information and, at its discretion, require an advance payment for the service before activation. The service provider also reserves the right not to deliver the ordered service at its own discretion. Additionally, the service provider has the right to collect overdue payments, including late payment interest and collection fees.

5. Duration of the Agreement and Termination

The duration of the agreement is the same as the selected billing period for the service. The agreement is automatically renewed for the same duration as the previous billing period unless it is terminated at least 30 days before the start of the new contract period. The agreement can only be terminated at the end of the current billing period and not in the middle of it. Termination must be done via email or by another method specified by the service provider. The service provider reserves the right to terminate the service immediately without notice if the customer violates the terms of the agreement or if service provision cannot continue due to an external factor (e.g., regulatory requirements or a force majeure situation). In such cases, the service provider has the right to withhold the advance payment or part of it, or charge for work already performed for the ordered service and any incurred costs/expenses, according to the service provider’s current price list.

6. Price Lists, Payments, and Billing

The customer agrees to pay the service provider for the service in billing periods as agreed upon at the time of ordering. Invoices are sent based on the billing details provided by the customer and according to the billing methods offered by the service provider. Free products are not invoiced. The service provider has the right to suspend the service if payment has not been made by the due date. The service provider also reserves the right to terminate the service immediately without notice if payment is not made promptly after a reminder. A fee, as specified in the price list, may be charged for reopening a suspended service.
The service provider has the right to charge interest on overdue payments in accordance with the Interest Act, as well as a reminder fee based on the current price list. The customer is also responsible for covering any collection agency fees and other legal costs incurred due to non-payment. The service provider reserves the right to change prices without prior notice. New prices take effect in the customer’s next billing cycle. The customer has the right to terminate the service before the new pricing takes effect. Price changes due to legal or tax reasons take effect immediately.

7. Service Delivery

Service delivery begins immediately once the customer has provided all necessary information for the service and the service provider has confirmed the order. The delivery of certain service components (such as domain transfer) may be delayed due to factors beyond the service provider’s control. The service provider will inform the customer of any potential delays whenever possible. The customer accepts the delivery unless they submit a complaint electronically or through another method specified by the service provider within eight (8) days of delivery.

8. Service Content and Provision

The service provider may deliver the agreed service in a manner of its choosing. The service provider reserves the right to modify the content or technical implementation of the service. The provider will strive to inform the customer of any changes whenever possible. The service provider registers the customer’s domain name through third-party registration services and acts solely as a payment intermediary in the registration process. The domain is registered using the information provided by the customer. The customer accepts the terms and conditions of the domain registries and is responsible for ensuring that they have the right to use the registered domain name. The service provider is not responsible for the operation of domain registries. The content of the service is defined by the service description and any accompanying attachments. The customer is entitled to use the allocated storage space only for storing materials related to their company, organization, or personal use for internet purposes (hereinafter referred to as the “website”). However, the resale of web space is prohibited unless the customer has purchased a separate reseller service from the provider. The resources allocated to the service may be limited and are specified in the service description. If resource usage exceeds the defined limits, the service provider reserves the right to restrict service usage or adjust the service fees accordingly in agreement with the customer. The service provider has the right to prioritize network traffic or other resources and intervene in the customer’s use of the service or individual processes if such usage causes disruptions. Any large-scale file distribution or activities significantly exceeding standard website usage must be agreed upon in advance with the service provider. The provider reserves the right to prevent contract-violating activities through technical means.

9. Customer Rights and Responsibilities

The customer is responsible for providing accurate information to the service provider when placing an order. If the information is incorrect or incomplete, the service provider reserves the right to refuse service delivery. The customer must promptly notify the service provider of any changes to their account details.
User credentials are personal, and the customer is responsible for all actions performed under their account. The customer is also accountable for all content uploaded to the service. The content must not be offensive, infringe on copyrights, or violate Finnish law or good practices. The service provider reserves the right to remove any content it deems in violation of these terms. The customer must ensure that their online activities comply with the law and good practices. Unauthorized use or attempted use of the service provider’s or third-party servers and services is strictly prohibited. Any attempt by the customer to find or exploit security vulnerabilities is strictly forbidden and will result in immediate termination of the agreement, as well as potential liability for damages. The customer may not use the service for unlawful or unethical direct marketing via email. The use of purchased mailing lists for direct marketing through the service is prohibited. The customer is responsible for keeping all software they use updated, particularly regarding security. The customer must also maintain up-to-date backups of their website, emails, and other stored materials. The service provider does not guarantee data retention within the service. The customer is also required to read any service-related announcements and updates from the service provider and act accordingly. These announcements may be published on the service provider’s digital platforms or sent via email. The customer must reimburse the service provider and third parties for any investigation, repair, or other costs arising from misuse of the service. Additionally, the customer releases the service provider and its employees from any liabilities resulting from the customer’s activities on the internet or within the scope of this service.

10. Service Errors, Correction of Detected Errors, and Possible Compensation

A service is considered to have an error if it significantly deviates from the features defined in the service description and if the deviation substantially hinders the use of the service. The customer is required to report the detected error immediately upon noticing it. The functionality of the services is monitored, and any detected errors are corrected as soon as possible, following any specific terms defined in the service description regarding the correction schedule. Urgent repair work outside regular business hours must be agreed upon separately. The service provider reserves the right to temporarily suspend service delivery if necessary for repair, maintenance, or other essential tasks. The service provider aims to minimize the duration of any disruptions and, whenever possible, inform the customer in advance. The service provider reserves the right not to correct an error caused by the customer’s actions, such as misuse or improper use of the service. The service provider is not responsible for consulting errors. Additionally, the service provider is not liable for problems or errors occurring in third-party networks or software. The service provider is not responsible for errors or service interruptions caused by force majeure or third-party actions. In the event of a detected error, the customer must submit a complaint within eight (8) days electronically or by another method specified by the service provider. The service provider’s liability for service delivery is limited to, at most, the fee charged for the current month. The service provider is not liable for any indirect damages that may result from the use of the service or other related reasons. This agreement comprehensively governs the service provider’s liability for damages and liability for breach of contract.

11. Service Termination

The service provider has the right to terminate the service provided to the customer if the customer has not paid the invoice by the due date, violates the terms of the agreement, has been placed into liquidation, bankruptcy, or has been declared insolvent, if the customer-provided information is incorrect, or if the customer cannot be reached using the provided contact details.

12. Other Terms

The agreement is between the service provider and the customer. The customer agrees to keep all information related to the agreement, the service, and its pricing confidential. The customer is responsible for ensuring that their employees, subcontractors, or other parties involved in the service comply with these terms. The service provider has the right to withhold the transfer of the customer’s domain name until all outstanding payments owed to the service provider have been settled. This agreement is governed by Finnish law. Any disputes will primarily be resolved through negotiation. If a resolution cannot be reached, the jurisdiction for legal proceedings is the District Court of North Savo.

Processing of Personal, Transmission, and Location Data Related to Funlus Oy’s Services

Each party is responsible for complying with the applicable data protection legislation in force at any given time. The customer acts as the data controller concerning any personal data registers that may be created based on the use of the service, in accordance with the General Data Protection Regulation (EU 2016/679) and other applicable data protection laws. Additionally, regarding user and end-customer data processed in the communication service, the customer is considered a corporate subscriber as defined in the Information Society Code (917/2014). Conversely, Funlus Oy acts as a data processor for any personal data registers that may be created based on the use of the service and as a subcontractor for the corporate subscriber regarding user data processed in the communication service. As the data controller, the customer is responsible for ensuring that personal, transmission, and location data are processed in compliance with legal requirements, including those set by regulatory authorities. The customer must also ensure that all necessary measures related to data processing are carried out, including those required by the GDPR, the Information Society Code, and other applicable data protection laws. The customer authorizes Funlus Oy to process personal data to the extent necessary for the provision of the service.
Funlus Oy may process personal, transmission, and location data on behalf of the customer for purposes such as: Service implementation and usage, Billing and technical development, Statistical analysis, Marketing purposes, Service optimization, Other lawful, justified, and acceptable purposes in compliance with applicable legislation, Personal data will be processed only for as long as necessary for the above-listed purposes. Funlus Oy ensures that individuals authorized to process personal data are bound by confidentiality obligations or subject to statutory confidentiality duties. The customer is responsible for informing users of the service about the transfer of their personal, transmission, and location data to Funlus Oy, as well as the intended purpose of this data processing, in accordance with applicable laws. The customer is also responsible for obtaining and maintaining any required user consents related to personal data processing and disclosure. The customer must ensure that Funlus Oy has accurate, up-to-date, and correct information regarding the users. Upon request, Funlus Oy may provide the customer with transmission, personal, or other data within the limits permitted and required by the Information Society Code and other applicable data protection legislation. Any disclosure of data and related procedures will always comply with current legal requirements. The customer agrees to use any data received from Funlus Oy only for the intended purpose and within the scope allowed by law for data controllers and corporate subscribers. Funlus Oy processes personal data in accordance with the agreement and the customer’s written, contractually agreed-upon instructions. Funlus Oy is entitled to charge the customer for any work and measures required by such instructions, as specified in its price list, unless otherwise agreed in the contract. Upon termination of processing, Funlus Oy will either delete or return the customer’s personal data, unless its retention is required by law. Funlus Oy implements agreed-upon technical and organizational measures to secure personal data.

The measures must ensure an appropriate level of security, taking into account:

1. a) The available technical capabilities,
   b) The implementation costs of the measures,
   c) The nature, scope, context, and purpose of the processing, and
   d) The specific risks associated with the processing.

When processing personal data on behalf of the customer, Funlus Oy assists the customer in ensuring compliance with the obligations set out in Articles 32-36 of the General Data Protection Regulation (GDPR) regarding the secure processing of personal data, taking into account the nature of the processing and the information available. If Funlus Oy incurs costs related to compliance with security requirements or assisting the customer, the customer shall reimburse Funlus Oy for such expenses. Customer and transmission data may be transferred and disclosed to Funlus Oy’s partners and subcontractors if necessary for service delivery. Data may also be transferred outside the EU and EEA in compliance with applicable data protection regulations. In other cases, Funlus Oy will not disclose personal data received from the customer to third parties without the customer’s prior consent. As a data processor, Funlus Oy will refer any personal data requests from a registered individual, a data protection authority, or another relevant authority to the customer. Similarly, Funlus Oy will direct any requests for data deletion, disclosure, correction, or restriction to the customer and, where possible, assist the customer in responding to such requests through reasonable technical measures. However, the obligations described in this section do not apply to Funlus Oy if it is legally required to disclose the data. Funlus Oy will notify the customer of any detected data breaches or attempted breaches affecting the customer’s personal data. Funlus Oy allows audits of personal data processing conducted by the customer or, as required by law, by an authorized authority. The details of customer-initiated audits shall be agreed upon separately. Funlus Oy has the right to charge the customer for costs related to such audits. Funlus Oy requires any sub-processors it engages to comply with the same obligations described in this section, to the extent required by law.

NOTE.: This documentation on the processing of personal, transmission, and location data applies only to data for which the customer is the data controller and Funlus Oy is the data processor, as defined by applicable data protection legislation.

Pricing for Additional Services

Additional storage space separately: €2.09 + VAT / GB / month (agreed with the customer). Additional monthly data transfer: +20 GB, €25 + VAT / year (agreed with the customer). Additional work hours: €85 + VAT / hour (Mon-Fri) (Valid until further notice, agreed separately). Reactivation fee for a suspended service: €50 + VAT. Additional email account: €22 + VAT / year. Additional domain: €50 + VAT / year. A value-added tax (VAT) of 25.5% will be added to all prices.

Subcontractors

The customer approves the use of the following subcontractors for the processing of personal data:
Subcontractors	Purpose of Personal Data Processing
Zoner Oy (FI)	Technical Maintenance of Servers / Software https://www.zoner.fi/tietosuojaseloste/
Amazon Web Services, Inc. (US)	Technical Maintenance of Servers / Software https://aws.amazon.com/compliance/gdpr-center/
Dropbox inc (US)	Cloud Server Storage for Customer Data https://www.dropbox.com/privacy
Atlassian, Inc. / Trello inc (US)	Task Management, Ticketing System, Self-Service Portal https://help.trello.com/article/1118-trello-and-gdpr-our-commitment-to-data-privacy
Ropo Group Oy (FI)	Billing, Debt Collection and Credit Control, Customer Registry https://www.ropocapital.fi/fi/tietosuoja/
Microsoft Corporation (US)	Microsoft Software, Office 365 Calendars, Email Services https://privacy.microsoft.com/fi-fi/privacystatement
Visma Solutions Oy (FI)	Contract Management and Electronic Signature, Authentication https://vismasign.fi/tietosuoja/

Mailchimp / The Rocket Science Group, LLC (US)

Newsletters, Announcements, Marketing Registry https://mailchimp.com/gdpr/

Telia Inmics-Nebula Oy (FI)

Technical Maintenance of Servers / Software https://www.inmicsnebula.fi/fi/kayttoehdot

Google (US)

Google Services, Google Ads, Google Analytics https://support.google.com/google-ads/answer/7687725?hl=fi

Facebook (US)

Facebook Ads, Facebook Pages https://www.facebook.com/business/gdpr

Vimeo (US)

Video Storage Location. https://vimeo.com/privacy

PayPal (US / EU)

Online Store Payment Method Data Protection

These subcontractors are responsible for their own subcontractors.

Online Store Payment Methods:

In the online store, payments can also be made via a PayPal account.

Key Information About the PayPal Service

What is the PayPal service?

With PayPal, individuals and businesses can send and receive electronic money online. Additionally, it offers various financial and related services. These services are collectively referred to as the “Service”. You can use the Service to make a one-time payment or create an account, which allows for easier payments, receiving and sending funds, as well as access to additional features and improved payment details.

Who provides the Service?

The service provider for registered users in the European Economic Area (EEA) is PayPal (Europe) S.à r.l. et Cie, S.C.A. (R.C.S. Luxembourg B 118 349) (“PayPal“). PayPal’s contact information can be found on this customer service page. Instructions for emergency situations are provided below in the section “How to Proceed“. PayPal is duly licensed to operate as a bank (legally referred to as a “credit institution”) in Luxembourg. The Commission de Surveillance du Secteur Financier (CSSF), the regulatory authority overseeing the financial sector in Luxembourg, monitors the stability of our operations.
The CSSF maintains a register of the organizations it regulates, which can be accessed at https://supervisedentities.apps.cssf.lu/index.html?language=en#Home. PayPal is listed in the register under the number B00000351, but you can also search for our company by name.

What do you need to use the Service?

To use the PayPal service, you need:

• a computer, a smartphone (such as an Apple iPhone or an Android or Windows phone), or a tablet (such as an Apple iPad or an Android or Windows tablet)
• a data connection to the Internet. The PayPal service will not work if your computer is offline.

These are the technical requirements. The better your device and internet connection perform, the better the service will function. If your device has a virus or other security issue, it may affect the PayPal service as well as other functions of your device. We recommend following all security guidelines provided by your device manufacturer and operating system provider and using antivirus software if recommended for your operating system. Keep your device up to date, especially the operating system, browser, and antivirus software. Be cautious when downloading files from the Internet. If you do not know or trust the source, downloaded files may be harmful. The PayPal service is used for handling money, so you need funds to send or receive in order to benefit from PayPal. The service is even more useful if you have a bank account and/or a credit or debit card. PayPal allows you to use these payment methods (bank and/or card) online without revealing their details to anyone other than PayPal and carefully selected third parties listed in our privacy statement. The service is designed to work with your bank accounts and cards to make online payments easier and more secure. In certain cases, you can access the service through third-party providers whom you authorize to act on your behalf (for example, to initiate payment processing or use your PayPal account information).

One-time payments or single payments

If you use the Service to make a one-time payment (without a PayPal account), we may provide you with information related to that payment before you issue the payment order and after it has been processed. This information may be communicated to you

• on the web pages you see before completing the payment
• in the emails we may send you
• in this “Key Payment and Service Information” notice.

When using the “Payment upon Invoice” product (if available), the merchant you are paying may also send you some information. We do not charge you for sending a one-time payment through the Service (though we may charge for other related services, such as currency conversion). To process a one-time payment, we may ask you to confirm details about your payment method (which could be a credit card, debit card, or another alternative payment method, depending on the buttons offered in the recipient’s online store) and other information defined in the button integration in the recipient’s store, where you initiate the payment order. The payment will be executed as soon as PayPal’s payment systems allow. If the recipient informs us that they wish to process your payment at a later time, we will execute the payment at the time specified by the recipient. Payments sent or received without a PayPal account are subject to restrictions. For more details about making payments without a PayPal account, refer to the section Terms of Use for Payments Without a PayPal Account. For more information on receiving payments from a person without a PayPal account, please refer to the User Agreement section “Receiving Payments”.

Opening a PayPal Account

Individuals and businesses can open a PayPal account. To open a PayPal account, you must:

• be either an individual (at least 18 years old) or a business capable of entering into a legally binding contract
• register as a PayPal user.

As part of the registration process, you must

• register an email address, which will also serve as your username in future
• set a password, which we will use to log you in (for more details on choosing a strong password, see the section Protecting Your Account below)
• accept PayPal’s Privacy Statement and User Agreement including the policies contained within.

During or after registration, the user can also set up a payment method for their PayPal account, such as a bank account, debit card, or credit card, from which funds will be withdrawn to cover payments made through their PayPal account.

Adding Money to Your Account

The money in your PayPal account is legally referred to as “electronic money”, which is recognized across the European Economic Area as a form of money suitable for online transactions. You can only make payments from your PayPal account if it has sufficient funds. However, if you attempt to send money without enough balance in your PayPal account, we will try to automatically obtain the necessary funds from your linked payment methods. To add money to your account, you must do one of the following:

• You must obtain electronic money from PayPal by transferring an equivalent amount from your funding sources. You can do this manually using the “Add Money” function in your account interface, or PayPal may do it automatically when needed to cover payments you have authorized PayPal to send.
• You must accept a PayPal payment sent to you by another PayPal user.

Your PayPal account balance represents the amount of electronic money available for payments made from your account. Electronic money is equivalent to cash, and under EU law (Directive 2009/110/EC, Article 12), interest cannot be paid on electronic money.

Sending Payments

Automatic You can send a payment to a third party through the Service by clicking a payment button on a merchant’s website (or another online sales point). If the payment recipient does not have a website or a payment button, you can use the “Send Money” feature in your account interface and enter the recipient’s email address. When you initiate a payment, you instruct PayPal to transfer electronic money from your PayPal account to the recipient’s PayPal account (see also the How Do We Verify Your Identity? section).
If the recipient accepts the payment (which usually happens automatically), we complete the transfer.
In some cases, you may be able to authorize the recipient to instruct PayPal to process future payments on your behalf (such as Automatic Automatic Pre-approved Payments or Billing Agreement Payments). PayPal may hold the payment amount in your Reserve Account until the recipient claims payment. In certain situations, you may also allow another licensed payment service provider to initiate a payment on your behalf to someone else. Every new PayPal account initially has a limit on the amount of money the user can send. To increase the spending limit, the user must verify the account details provided to PayPal. The limits may vary at PayPal’s discretion, up to the maximum amount specified by anti-money laundering laws, but the user cannot change the spending limit themselves. The information required for the verification process depends on the user’s residence and account type (personal account or business account). PayPal will prompt you to verify your account and provide the necessary instructions to complete the process.

Receiving Payments

Once you have opened a PayPal account, you can receive payments through the Service by accepting a payment sent by another user. We may also allow you to receive payments from someone who does not have a PayPal account. Acceptance of payments is usually automatic, meaning you typically do not need to take any action to approve the payment. The recipient can issue refunds and, in some cases, use the Service to decline payments sent by another user. If your PayPal account is new, we may limit the amount of money you can receive in accordance with anti-money laundering laws until you have completed the account verification process. After opening a new account, we will ask you to verify your account and provide the necessary instructions for completing the process. We block payments that we believe involve serious security concerns or appear fraudulent. In some cases, instead of blocking a payment, we may delay it to review the situation further. If we detect fraud after you have received a payment, PayPal will typically cancel the payment and return the funds to the person affected by the fraud. The reversal will be noted on your account. In some situations, we may not be legally allowed to explain why a payment was blocked, delayed, or reversed to avoid alerting someone who may be engaged in fraudulent or criminal activity. Due to these restrictions, we cannot disclose all details, but you can inquire about blocked, delayed, or reversed payments by using our Secure Messaging Center. More information about this can be found in the section “Communicating With You” below.

Currencies

You can send or receive payments in multiple currencies, including the following: British Pound, Euro, US Dollar, Canadian Dollar, Japanese Yen, Australian Dollar, Swiss Franc, Norwegian Krone, Swedish Krona, Danish Krone, Polish Zloty, Hungarian Forint, Czech Koruna, Singapore Dollar, Hong Kong Dollar, New Zealand Dollar, Israeli New Shekel, Mexican Peso, Brazilian Real, Philippine Peso, Thai Baht, and New Taiwan Dollar. If you do not have a balance in the currency you are sending, or if you withdraw funds in a currency that does not match the nationality of the receiving bank account, the Service will usually convert the funds to the currency of the outgoing payment or receiving bank account and charge a currency conversion fee. You can receive funds in any currency supported by the Service (listed above). If the received currency does not match the nationality of your PayPal account, the Service will not convert the foreign currency into your local currency until you instruct it to do so, withdraw the funds to your bank account, or send them in another currency. Before converting currency, the Service will notify you of the exchange rate and applicable fees. The Service will only proceed with the conversion after you authorize it upon receiving the notification. This does not apply to delayed seller payments, Automatic Pre-approved Payments, or Billing Agreement Payments. For more details on currency conversion and conversion options, refer to the User Agreement.

Risk of Chargeback or Reversal

If the recipient does not meet the Seller Protection requirements (more details below) and receives a payment that is subject to a chargeback or reversal, the recipient (in most cases, not PayPal) is responsible for the amount of the chargeback or reversed payment, as well as any applicable fees, such as chargeback processing fees. A chargeback is a dispute involving the recipient of a card-funded payment, the bank that issued the card, and the bank’s customer (the sender of the payment). PayPal does not make decisions regarding chargeback disputes. Both PayPal and the payment recipient must accept the issuing bank’s decision as final and legally binding in any chargeback dispute.

Seller Protection

Under certain conditions, PayPal may cover the loss caused by a chargeback or reversal instead of requiring the payment recipient to reimburse it. This applies if the payer disputes the authorization of the payment or claims they did not receive the purchased item. Seller Protection is available and can be invoked when a payment is marked as eligible for Seller Protection on the user’s transaction details page. Eligibility for Seller Protection is determined by the following factors:

• the type of goods or services purchased
• the buyer’s and seller’s country of residence
• the type of seller account
• the shipping address to which the seller sends the goods
• proof of the delivery method used
• the time when the goods were shipped after the payment was made
• the number of accounts from which the payment was made
• the seller’s cooperation.

The User Agreement contains more details on the eligibility requirements related to the seller’s country of residence.

Buyer Protection

Buyer Protection allows buyers of eligible products and services to receive a full or partial refund of their PayPal payment if the purchased items were not delivered or if they are significantly different from the seller’s description. To qualify for Buyer Protection, the buyer must file a dispute within a specified time frame. The User Agreement provides detailed information on how to file a dispute.

Withdrawing Money (Redeeming Electronic Money)

If your account balance is positive, you can instruct PayPal at any time to transfer money from your account to a bank account that is registered as a payment method on your PayPal account (or, in some cases, to a registered payment card). This instruction is usually given using the withdrawal function in your account interface. Legally, a transfer from a PayPal account to a bank account is considered the “redemption” of electronic money. Under normal circumstances, we transfer the funds as quickly as our payment systems allow (typically within one business day) after completing any necessary checks required to prevent money laundering or fraud or to verify your identity and your access to the bank account used for the transfer. If your PayPal account is new, PayPal may limit the amount of money you can receive in accordance with anti-money laundering laws. You can remove this limit by completing the account verification process for your new account. Once you open a new account, PayPal will prompt you to complete this process and provide the necessary instructions. You can keep funds in your PayPal account for as long as you like. We do not charge fees for keeping money in your PayPal account, but we do not pay interest, as paying interest on electronic money is prohibited.

Fees

PayPal does not charge a fee for sending money through the Service (except when currency conversion is required, the payment is sent as a Mass Payment, or the sender chooses to pay a fee as part of a personal (non-commercial) transaction). PayPal charges fees for certain transactions, including:

• receiving payments for commercial transactions (fees vary based on factors such as the sender’s and recipient’s location)
• currency conversion (for more details, see the Currencies section above)
• processing a chargeback initiated by the sender of a payment you received
• withdrawing funds (in certain countries)
• using Mass Pay, PayPal Credit, or certain other additional services.

Detailed information about our fees can be found in the User Agreement and on the Fees page.

Closing or Restricting an Account

PayPal or the account holder may close the account at any time. If we close an account, the account holder will typically receive two months’ notice before closure. However, in rare cases, we may close an account immediately with notice to the account holder (for example, if the account holder has violated their agreement with us). For more details, including how to close an account and the effects of closure, refer to the “Closing Your Account” section of the User Agreement. Additionally, we may restrict your account from sending or receiving payments and/or making withdrawals under certain circumstances, such as if the information provided to us appears incorrect, if you fail to meet essential obligations, or if you appear to be experiencing financial difficulties (see also the “Restricted Activities and Holds” section of the User Agreement). PayPal does not allow you to limit or block your own account usage except by closing it. If we restrict your account (without fully closing it), you will still have access to the Secure Messaging Center when you log in. You can also contact Customer Service by phone. Upon request, PayPal may inform you of the reason for the restriction (if disclosure of such information is allowed) and the steps required to remove the restriction. Additionally, PayPal may block a specific payment without closing or restricting your account. For more details, refer to the “Receiving Payments” section.