Below is an exhaustive collection of policy changes made by paypal sinc 2003 until today.  This is Part 1 of 4 parts. You will find here much good info that you may find skeptical and controversial with Ebays policy.  Please read and enjoy.

Policy Updates
 

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PayPal is a business that serves a new and exciting market. As that market changes, our business evolves. This page is dedicated to informing users in advance of important changes to the PayPal service, its User Agreement or other policies.

Amendment to User Agreement
 
 
Effective Date: October 25, 2007
In Section 17.2, the last paragraph will read: "A Chargeback is covered if it was due to non-receipt of merchandise, or an unauthorized payment. A Reversal is covered if it was due to an unauthorized payment. The Seller Protection Policy does not cover sales of intangible goods, services, or licenses for digital content. PayPal Claims are not covered by the Seller Protection Policy. For more information on winning a PayPal Claim see the Buyer Complaint Policy and PayPal Buyer Protection Policy."

Amendments to the Buyer Complaint Policy and PayPal Buyer Protection Policy:
 
 
Effective Date: October 25, 2007
Section 9 d will read: "If the buyer claims that the item was not received, the seller must be able to prove that the item was delivered to the address listed on the Transaction Details page by providing PayPal with an online-tracking number that shows evidence of delivery. For transactions equal to $250.00 USD (or the equivalent in the currency of the transaction) or more in value, the seller will also need to provide an online proof-of-receipt in the form of a signature from the recipient."

Amendment to Section 2.8 of the PayPal User Agreement
 
 
Notice Date: July 25, 2007
Effective Date: August 23, 2007
Beginning August 23, 2007, section 2.8 of the PayPal User Agreement is being amended to allow PayPal to hold your funds for up to 180 days and fine you up to $2,500 USD (increased from $500) for the following violations of the Acceptable Use Policy:
Using the Service to receive payments for any sexually oriented or obscene materials or services in violation of the Acceptable Use Policy; or
Using the Service to receive payments for any narcotics, other controlled substances, steroids or prescription drugs in violation of the Acceptable Use Policy; or
Using the Service to receive payments for wagers, gambling debts or gambling winnings, regardless of the location or type of gambling activity in violation of the Acceptable Use Policy; or
Using the service to receive payments for tobacco products in violation of the Acceptable Use Policy.

Amendment to the PayPal User Agreement
 
 
Notice Date: July 25, 2007
Effective Date: August 23, 2007
Beginning August 23, 2007, PayPal will introduce Payment Review. Payment Review means that PayPal will review certain potentially high-risk transactions. If a payment is subject to Payment Review, PayPal will place a hold on the payment and provide notice to the seller to delay shipping the item. PayPal will conduct a review and either clear or reverse the payment. If the payment is cleared, PayPal will provide notice to the seller to ship the item. Otherwise, PayPal will reverse the payment and the funds will be returned to the buyer. All payments that clear Payment Review will be marked Seller Protection Policy eligible. PayPal will provide notices to you by email and/or in the Transaction History tab of your PayPal account.

Foreign Transactions Fee for PayPal ATM/Debit Card
 
 
Notice Date: May 9, 2007
Effective Date: June 7, 2007
Beginning June 7, 2007, the following fees will apply to PayPal ATM/Debit Card transactions: 1% Foreign Transaction Fee for cross border PayPal ATM/Debit Card payments or cash withdrawals. This fee will apply even if the transaction does not require PayPal to make a currency conversion. 1% for PayPal ATM/Debit Card payments or cash withdrawals that are not cross border transactions but require a currency conversion.

Amendment to the PayPal Buyer Protection Policy
 
 
Notice Date: May 9, 2007
Effective Date: June 7, 2007
Beginning June 7, 2007, if you make a purchase on a non-Canada eBay website (such as www.eBay.de or www.eBay.com), your PayPal Buyer Protection or eBay Standard Purchase Protection coverage will be based on the protection coverage offered on that non-Canada eBay website. The PayPal Buyer Protection coverage for purchases made on www.eBay.ca (Canada website) will remain unchanged.

Cross Border Transaction Fees For Receiving Credit Card Payments Into Personal Accounts
 
 
Notice Date: May 9, 2007
Effective Date: June 7, 2007
Beginning June 7, 2007, there will be new crossborder fees for receiving credit card payments into personal accounts. The new fees will be 2% in addition to the fees currently posted on the Transaction Fees for Cross-Border Payments Page.

Changes To Privacy Policy
 
 
Notice Date: May 9, 2007
Effective Date: June 7, 2007
Beginning June 7, 2007, the following changes will be made to the Privacy Policy:
Revised versions of the Privacy Policy will be effective at the time we post them. In addition, if we make a material change to the Privacy Policy, we will provide you with at least 30 days' prior notice of such a change by posting notice on the Policy Updates page of our web site.
If you are buying goods or services and pay through PayPal, we may provide the seller with the shipping address for the goods and your confirmed credit card billing address to complete your transaction with the seller.
Amendment to the Preapproved Payments Policy
 
 
Notice Date: April 4, 2007
Effective Date: May 3, 2007
Beginning May 3, 2007, the PayPal Preapproved Payments Policy will be amended to set out the terms of PayPal's recurring billing functionality. In particular, the policy will be amended to set out the terms by which a buyer provides an advance authorisation to a merchant to allow that merchant to receive payments from the buyer's PayPal Account directly on a one-time, regular or sporadic basis in accordance with the buyer's agreement with the merchant. The name of the policy will be changed to PayPal Billing Agreement for Recurring Payments.

Amendment to the User Agreement and policies
 
 
Notice Date: February 8, 2007
Effective Date: March 8, 2007
Beginning March 8, 2007, PayPal will amend the terms of its User Agreement, Fees and Payments (sending, Receiving and Withdrawals) Policy to permit Personal Account Holders to accept up to five credit card payments for a fee. Credit Card Payments in excess of 5 must either be rejected, or users must upgrade their account to a Premier or Business account.

Amendment to the Payments (Sending, Receiving and Withdrawals) Policy
 
 
Notice Date: February 8, 2007
Effective Date: March 8, 2007
Beginning March 8, 2007, the PayPal Payments (Sending, Receiving and Withdrawals) policy will be amended to reflect that the verification process for Canadian account holders will now only require a user to set up their bank account via direct debit, complete the 'random deposit' process and if you are a Premier or Business account holder, provide supplemental business information. Beginning March 8, 2007, the PayPal Fee Schedule and Payments (Sending, Receiving and Withdrawals) Policy will be amended to reflect the fact that Personal Account holders will be able to accept an unlimited number of PayPal payments funded by credit cards which are also sent via Skype. There will be no change to the fees payable on receipt of card funded payments.

Addition of the PayPal Mobile Policy
 
 
Notice Date: February 8, 2007
Effective Date: March 8, 2007
Beginning March 8, 2007, PayPal will have in effect a new PayPal Mobile Payments Policy governing the use of the PayPal Mobile Payments Service.

Amendment to the Privacy Policy
 
 
Notice Date: February 8, 2007
Effective Date: March 8, 2007
Beginning March 8, 2007, the PayPal Privacy Policy will be amended to reference that a user's Skype ID will be a further form of personal information that will be processed by PayPal when users send funds or receive notification of a payment via PayPal using Skype.

Amendment to the PayPal User Agreement
 
 
Notice Date: November 30, 2006
Effective Date: January 11, 2007
Beginning January 11, 2007 PayPal will have a newly revised user agreement.

User Agreement Updates
 
 
Notice Date: October 12, 2006
Effective Date: October 12, 2006
Removed section III, Deferred Payments, from the U.S. version of the Payments (Sending, Receiving, and Withdrawals) Policy. Updated the U.S. version of the Sending Limits and Verification section of the Payments (Sending, Receiving, and Withdrawals) Policy to reflect an addition of credit as an option for verification. Updated the U.S. version of the PayPal MasterCard ATM/Debit Card User Agreement and the Fees Policy to reflect that signature based cash withdrawals from a bank using PayPal Debit Card will be subject to a $3.00 fee in addition to any fee assessed by the bank and that cash withdrawals will not qualify for the PayPal Preferred Rewards program. Updated the U.S. version of the User Agreement, Payments Policy, and Fees Policy to reflect that Personal account holders may receive up to 5 credit card, debit card or Buyer Credit funded payments per 12 month period without having to upgrade to a Premier or Business account and updated fees for card or Buyer Credit funded payments for Personal accounts. Updated section 2.1 of the U.S. version of the User Agreement. Updated the list of approved countries in all versions of the User Agreement. Updated section 1 of the U.S. version of the Electronic Fund Transfer Rights and Error Resolution Policy. Updated sections 8 and 12 of the U.S. version of the PayPal MasterCard ATM/Debit Card User Agreement. Updated all versions of the Website Payments Pro UA and the PayPal Website Payments Pro Payflow Edition and Virtual Terminal to clarify usage of Direct Payment API. Updated the Seller Protection Policy for all European countries to clarify that if PayPal requests information from a seller with respect to a potential fraudulent or unauthorized payment, the seller is required to respond within 7 days. Amended the User Agreement for all European countries to allow registered Personal account holders outside of Germany, at their option, to accept a limited number of card funded payments without requiring them to upgrade to a Premier or Business account; personal account holders who do receive a permitted card funded payment will be charged a fee as updated in the PayPal Fees Schedule. Updated the User agreement for all European countries to highlight the respective sending limits of those users registered in Gibraltar, Liechtenstein, French Guiana, Guadeloupe, Martinique and Reunion. Updated the PayPal Buyer Protection Policy for all European countries to clarify that if a seller lists an item on the eBay marketplace in either Germany, Austria or Switzerland, the seller will not be able to opt-out of the PayPal Buyer Protection programme. Updated the Payments (Sending, Receiving and Withdrawals) Policy for all European countries such that user account balances which show an amount owing to us will, after 21 days, be converted to Euros (as appropriate). Updated the PayPal Buyer Protection Policy for all European countries to reflect that the PayPal Buyer Protection programme will be expanded to allow the terms of the programme to apply to sellers who list on the applicable PayPal Buyer Protection eligible eBay sites and who are registered PayPal users in the following countries: Denmark, Sweden, Greece, Portugal, Finland, Norway, New Zealand, Argentina, Brazil, Mexico, Uruguay, Chile, Ecuador, Jamaica, Poland, Czech Republic, Hungary, Thailand and China. Amended the Buyer Complaint Policy for all European countries to clarify that obtaining a remedy under the terms of that policy is only available to registered PayPal users. Updated section 6.4 of the German version of the PayPal Buyer Protection Policy. Updated section 4.3 of the German version of the Seller Protection Policy.

Amendment to the User Agreement and policies
 
 
Notice Date: September 20, 2006
Effective Date: October 12, 2006
Beginning October 12, 2006, PayPal will support the following currencies as part of the PayPal service: The Swiss Franc, Norwegian Krone, Swedish Krona, Danish Krone, Polish Zloty, Hungarian Forint, Czech Koruna, Singapore Dollar, Hong Kong Dollar and New Zealand Dollar. The User Agreement and associated policies will be amended to reflect the availability of payment processing in these currencies. Also, if a user is registered in a country which has as its official currency one of the additional currencies added to the service, that currency will become that user's home currency.

PayPal Buyer Protection Changes
 
 
Notice Date: August 10, 2006
Effective Date: September 14, 2006
Beginning September 14, 2006, the PayPal Buyer Protection program and the PayPal Plus Credit Card and Buyer Credit Policy will be amended to remove the limit on the number of payouts PayPal would award to a buyer per year under the terms of the protection programs.

Buyer Complaint Changes
 
 
Notice Date: August 10, 2006
Effective Date: September 14, 2006
Beginning September 14, 2006, PayPal's Buyer Complaint Process will be amended so that if a buyer makes a claim under the terms of eBay's Standard Purchase Protection Program for a payment made in Euros, the maximum payment will now be €230.00 EUR, with the eBay processing cost being €25.00 EUR.

User Agreement Updates
 
 
Notice Date: July 20, 2006
Effective Date: July 20, 2006
Amended the PayPal (Europe) Ltd. User Agreement, the Payments (Sending, Receiving and Withdrawals) policy and Privacy policy to reflect that (i) the sending limit for registered users in the United Kingdom will be increased from £500.00 GBP to £1,000.00 GBP; (ii) the sending limit for registered users in Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Netherlands, Portugal, Spain and Sweden is increased from €750.00 EUR to €1,500.00 EUR; and (iii) the sending limit for registered users in Poland is increased from $100.00 USD to $500.00 USD. Updated the User Agreement for all European countries to allow PayPal to debit, by way of set-off, any of the accounts held by a user with any fees, charges or other amounts owing to PayPal and payable by that user. Updated the User Agreement for all European countries to require users to notify PayPal of instances where the user notices that PayPal act's outside of a user's instruction or there are inaccuracies in any correspondence it receives from PayPal. Further. PayPal extends its exclusion of warranty over the correspondence it provides to its users. Updated the UK version of the Mobile Policy to require users who are activated for PayPal mobile to ensure that their address details are correct and current when they use PayPal mobile services allowing them to purchase goods and services with a third party merchant. PayPal will not be held liable for any claim made by a user if they do not comply with this requirement. Amended the terms of the PayPal (Europe) Ltd. Premier and Business Account policy to allow PayPal to withhold and/or set-off amounts from users' Premier or Business account balances, payments PayPal would otherwise make to these users, or require these users to deposit funds with a third party. PayPal will only take such action when it considers it reasonably necessary to protect itself and its users. Updated Section 6 of the PayPal Buyer Credit policy and Sections 5 and 6 of PayPal Buyer Protection policy for Italy to clarify information users need to provide when making a claim. Updated Section 2.4 of the U.S. version of the PayPal Mobile Policy. Updated section 2 of the U.S. version of the Payments (Sending, Receiving, and Withdrawals) Policy. Updated the U.S. version of the Debit Card Policy. Removed references to debit card from thePrivacy policy for France and Belgium.

User Agreement Updates
 
 
Notice Date: May 18, 2006
Effective Date: May 18, 2006
Updated section 6.2 of the U.S. version of the Privacy Policy to add information about obtaining the Expanded Use Number. Updated section 1.iv of the U.S. version of the Money Back Guarantee Policy. Updated the Secure FTP File Server License Agreement. Updated the U.S. versions of the Buyer Complaint Policy, Buyer Protection Policy, Seller Protection Policy, and Closing Accounts and Limiting Account Access Policy to include information about the online dispute resolution platform. Updated section 3.7 of the U.S. and Canadian versions of the PayPal Mobile Policy. Updated section 5.d.ii of the U.S. version of the PayPal MasterCard ATM/Debit Card User Agreement. Updated section 2.vii of all versions of the Closing Accounts and Limiting Account Access Policy to clarify rules for opening multiple accounts. Updated the Commercial Entity User Agreement for Credit Card Processing Services for all European countries. Updated the contact telephone number in section 6 of the Privacy Policy for Belgium and the Netherlands. Updated the U.S. version of the User Agreement, Premier and Business Account Policy, and PayPal Shops Policy to include information about HSBC Bank. Renamed the U.S. version of the Buyer Credit Policy to PayPal Plus Credit Card and Buyer Credit Policy and updated that policy with changes related to the PayPal Plus Credit Card. Updated the U.S. version of the Privacy Policy with changes related to the PayPal Plus Credit Card. Removed references to American Express, Maestro, Switch, and Solo cards from the User Agreement for Belgium and the Netherlands. Updated the Buyer Complaint Policy for Belgium, France, Italy, Spain and the Netherlands to clarify the amounts payable in Euros when the terms of eBay's Standard Purchase Protection program are applied. Updated the UK version of the PayPal Mobile Policy. Updated section 3.c of the Seller Protection Policy for all European countries. Updated the Gambling Acceptable Use Policy for all European countries. Clarified the use of PayPal for illegal activities in the Acceptable Use Policy for all countries except China. Updated the U.S. version of the Alcohol Acceptable Use Policy. Updated the Multi-level Marketing, Pyramid and Matrix Programs Acceptable Use Policy for Canada, Australia, and all European countries. Added an Encouraging Illegal Activities Acceptable Use Policy for all countries except China.

User Agreement Updates
 
 
Notice Date: March 17, 2006
Effective Date: March 17, 2006
Updated the Privacy Policy for U.S. users to include reference to the fact that we may ask you for a person's telephone number when you wish to send them funds or request funds from them and also that a registered user's telephone number may be disclosed to other PayPal users as part of their use of the PayPal service. Added a new PayPal Mobile Policy for U.S., UK, and Canada. Added a new Buyer Protection Policy for eBay Express for U.S. Modified the Eligibility section of all versions of the PayPal Buyer Protection Policy. Added a note regarding waiver of proof of shipment to Section 5 of the Italian version of the PayPal Buyer Protection Policy. Updated the UK version of the Closing Accounts and Limiting Account access policy to include the ability of PayPal to limit the PayPal account if you have abused the Buyer Complaint process. Added Section III, Deferred Payments, to the UK, German, French, U.S., and Rest of Europe versions of the Payments (Sending, Receiving, and Withdrawals) Policy. Updated the U.S. version of the Risk Controls Agreement. Added information about backup funding sources to Section 4.2 and added Section 3, Linking a Backup Funding Source to your ATM/Debit Card, to the U.S. version of the PayPal MasterCard ATM/Debit Card User Agreement. Removed reference to eCheck and added Section 8, Protective Actions, to the U.S. version of the PayPal Payments Pro and Virtual Terminal Agreement. Updated Section 6 of the U.S. version of the Premier and Business Account Policy. Updated Section 3.3 of the U.S. version of the Buyer Credit Policy. Added Section I.2, Default Funding Sources, to the U.S. version of the Payments (Sending, Receiving, and Withdrawals) Policy. Clarified Section 2.1 regarding use of Pooled Accounts of the U.S. version of the User Agreement. Updated Section 6.5 of the U.S. version of the User Agreement. Removed reference to American Express Corporate card from the U.S. version of the User Agreement. Updated Section b of the UK version of the Fees Policy to reflect fee changes. Updated Section 4.4, Buyer Responsibilities, of the UK PayPal Buyer Protection Policy regarding faxing proof of shipment. Added Ladbrokes Pls as an approved operator to the Gambling Policy for UK, Germany, Austria, Belgium, Italy, Spain, and Rest of Europe.