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POLICY UPDATES

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Past Policy Updates

This Page

This page displays policy updates which notify users of important changes to the
PayPal and Xoom service, the Xoom User Agreement, the PayPal Privacy Statement
(which applies to the Xoom Services), or other online agreements, policies, or
statements. Please go to “Past Policy Updates” to view previous policy updates.

Upcoming Changes

We’re making the changes listed below. These changes will take place
automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the
upcoming changes. By continuing to use the Xoom services after the changes take
effect, you agree to be bound by those changes. Otherwise, no further action is
needed from you to accept such changes. However, if you would prefer to decline
them, then you will need to close your Xoom account and cease using the Xoom
services prior to the applicable effective date, as described in the applicable
agreement.

Notices

Issued: 24 July 2023

Transfer of Services from PayPal (Europe) S.à r.l. et Cie, S.C.A. to PayPal UK
Ltd (the “Transfer”)

Subject to PayPal UK Ltd becoming duly authorised to conduct its regulated
activities in the United Kingdom by the Financial Conduct Authority (“FCA”),
PayPal (Europe) S.à r.l. et Cie, S.C.A. intends to transfer all services
provided to its users in the UK (including (if applicable) any users resident in
Guernsey, Jersey, the Isle of Man and Gibraltar) to its affiliated company,
PayPal UK Ltd, on 1 November 2023 or such other date as we may communicate to
you (the “Transfer Date”) by posting a notice having immediate effect on the
PayPal Policy Updates page.

With effect from the Transfer Date, PayPal UK Ltd will assume all the rights and
obligations of PayPal (Europe) S.à r.l. et Cie, S.C.A. in relation to our UK
users.

PayPal UK Ltd is in the process of applying to be authorised by the FCA as an
electronic money institution under the Electronic Money Regulations 2011 for the
issuance of electronic money. PayPal UK Ltd is also applying to be authorised
and regulated by the FCA in relation to its regulated consumer credit activities
under the Financial Services and Markets Act 2000. It should be noted that some
of PayPal’s products in the United Kingdom are not regulated by the FCA. The
FCA’s address is 12 Endeavour Square, London E20 1JN. The FCA maintains a
register of the firms that it regulates at https://register.fca.org.uk/s/.
PayPal UK Ltd's firm reference numbers with the FCA will be published on the
PayPal Policy Updates page once this process is complete.

Before the Transfer Date occurs, we will provide you with more information about
the regulated status of PayPal UK Ltd by publishing a notice on the PayPal
Policy Updates page. If the Transfer Date is later than 31 December 2023, we
will provide further information on the PayPal Policy Updates page about how the
proposed transfer of all services provided to users in the UK from PayPal
(Europe) S.à r.l. et Cie, S.C.A. to PayPal UK Ltd will be implemented.

Please see our FAQ pages for Consumers for more information about the intended
transfer of UK services to PayPal UK Ltd.

Amendments to the User Agreement for Xoom services for the European Economic
Area and United Kingdom

Subject to PayPal UK Ltd becoming duly authorised to conduct its regulated
activities in the United Kingdom by the Financial Conduct Authority, we are
updating the User Agreement for Xoom services for the European Economic Area and
United Kingdom so that from 1 November 2023 or, if different, the Transfer Date,
the following changes will apply:

 * Identifying PayPal UK Ltd as the new provider of Xoom Services for all UK
   users in replacement of PayPal (Europe) S.à r.l. et Cie, S.C.A.;
 * Updating Part D (the Status Disclosure section) to explain the regulatory
   status of PayPal UK Ltd in the United Kingdom;
 * Describing PayPal UK Ltd’s obligations to safeguard customer funds in
   accordance with UK regulations;
 * Including information for UK users on how to make a complaint to the FCA;
 * Removing references to Luxembourg rules, regulations or EU laws and replacing
   them with the equivalent UK rules and regulations; and
 * Changing the governing law from Luxembourg law to English law, and
   jurisdiction from Luxembourg courts to courts of England and Wales;

AMENDMENTS TO CERTAIN PAYPAL AGREEMENTS

Notice of Amendments to the User Agreement for Xoom services for the European
Economic Area and United Kingdom

Effective: 31 July 2023

We’re making changes to the User agreement for Xoom services for the European
Economic Area and United Kingdom. The changes to the agreement will take place
automatically on the corresponding effective.

Effective 31 July, 2023, for UK and EEA customers, we are:

 * making clear that country specific terms, for example, those in the UK and
   EEA, prevail over the general Xoom terms.
 * introducing country-specific provisions in the UK and EEA dealing with
   Limitations of Liability, Your Liability to PayPal, Delays or Cancellations,
   Suspension or Termination of Services, Modification and a General provision
   allowing us to modify or discontinue the Service on reasonable notice.
 * providing examples of what ‘account information’, ‘PayPal payment
   instruments’ and ‘errors in your Transaction’ are.
 * explaining the language(s) in which we will communicate with you.
 * clarifying where you can bring a claim against us and where we can bring a
   claim against you.


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