Below is an exhaustive collection of policy changes made by paypal sinc 2003 until today.  This is Part 2 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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 Cross Border Fee Reduction
 
 
Notice Date: February 3, 2005
Effective Date: March 11, 2005
For Euro denominated payments received on or after March 11, 2005 by users registered in one of the countries listed below from another user registered in a different country listed below, the Standard and Merchant rates required to be paid by the user receiving the payment will be reduced by an amount equal to 0.5% of the payment received.

For example, from March 11, 2005, a seller who has a registered PayPal account in the UK who receives a Euro denominated payment from a German buyer would pay 0.5% less than the current Standard and Merchant rates applicable to the receipt of that payment. That is, if a Standard rate of 3.9% + €0.35 EUR previously applied to this transaction, the seller would be required to pay a rate of 3.4% + €0.35 EUR.

Austria Finland Greece Luxembourg Spain
Belgium France Ireland Netherlands Sweden
Denmark Germany Italy Portugal UK
 

Discontinuing the Merchant Sales Reports Service
 
 
Notice Date: February 3, 2005
Effective Date: March 11, 2005
The opt-in fee-based Merchant Sales Reports service will be discontinued as of March 11, 2005.

User Agreement Updates
 
 
Notice Date: January 14, 2005
Effective Date: January 14, 2005
Minor formatting and grammatical changes to the U.S. version of the Electronic Fund Transfer Rights and Error Resolution, Payments (Sending, Receiving, and Withdrawals), Shops, Closing Accounts and Limiting Account Access, and Gambling policies. Removed the Supplemental Information paragraph from all versions of the Privacy Policy. Updated and renamed the U.S. and Canadian versions of the Alcohol policy to Alcoholic Beverages policy. Updated the U.S. and Canadian versions of the Human Parts and Remains policy. Updated and renamed the Money Transfer Companies policy to Money Service Businesses. Updated and renamed the U.S. and Canadian versions of the Pre-Paid Debit Card policy to Stored Value Cards policy. Updated the U.S. and Candian versions of the Tobacco policy. Removed redundant link in the German Electronic Fund Transfer Rights and Error Resolution Policy. Changed two claims to three claims and made other minor grammatical and formatting changes in the German, French, Italian, U.K. and European versions of the Buyer Protection policy. Added a bullet point to the "Our Liability for Errors" section and removed the contact address in the "Notify Us" section of the German, Austrian, Belgium, French, Italian, U.K., and European versions of the Electronic Fund Transfer Rights and Error Resolution policy. Added AUD information to the U.S. version of the Bonus policy. Modified currency amounts in three tables in the German, French, Italian, Canadian, Swiss, and European versions of the Bonus policy. Updated the General, Eligibility, Filing a Claim, and Relationship Between Buyer Complaint Policy and Credit Card Chargeback Rights sections of the U.S., Canadian, Swiss, French, Belgium, German, Austrian, and European versions of the Buyer Complaint policy. Changed the number of days in which users can file a claim from thirty to fourty-five and changed the number of claims awarded per year from two to three in the U.S., Canadian, Swiss, German and European versions of the Buyer Protection policy. Changed number of days in which users have to file a claim from thirty to fourty-five and changed the number of claims awarded per year from two to three in the U.S. version of the Buyer Credit policy. Changed thirty days to fourty-five days, and made minor grammatical and formatting changes, in all versions of the Money Back Guarantee policy. Added links to the Service Description document to the German, French, Italian, Belgian, Austrian, U.K. and European User Agreements. Added links to downloadable versions of the User Agreements for Germany, France, Italy, Belgium, Austria, U.K. and Europe.

PayPal Buyer Protection Changes
 
 
Notice Date: January 5, 2005
Estimated Effective Date: February 14, 2005
PayPal Buyer Protection will be available on eBay listings by eligible sellers from France, Italy, and Australia.

User Agreement Updates
 
 
Notice Date: January 4, 2005
Effective Date: January 4, 2005
Added Australian Dollar amounts to the Fees and Payments (Sending, Receiving, and Withdrawals) Policies for all countries. Added Australian Dollar amounts to the PayPal Buyer Protection Policy for all countries. Added Australian Dollar amounts to the Seller Protection Policy for all countries. Added Australian Dollar amounts to the U.S. version of the Bonus Policy. Updated the Maximum Payout information in the French and U.K. PayPal Buyer Protection Policies.

Buyer Complaint Process Changes
 
 
Notice Date: December 13, 2004
Effective Date: January 14, 2005
PayPal's Buyer Complaint Process is changing in the following ways:
Buyers will have 45 days after a PayPal payment to file a claim.
For eBay transactions, buyers can receive coverage for significantly not as described claims.
For eligible eBay transactions, PayPal will automatically apply eBay's Standard Purchase Protection Program. A separate eBay claim is not needed. See eBay for details and eligibility.
PayPal Buyer Protection Changes
 
 
Notice Date: December 8, 2004
Effective Date: January 14, 2005
PayPal Buyer Protection will change in the following ways:
Buyers will have 45 days after a PayPal payment to file a claim (an increase from the current 30 days).
Buyers will be eligible for up to three PayPal Buyer Protection claim payouts per calendar year (instead of the current limitation of two payouts per year).

German PayPal Buyer Protection
 
 
Notice Date: April 29, 2004
Effective Date: June 14, 2004
Effective June 14, 2004, PayPal will enable eBay sellers in Germany to offer buyers coverage up to €400.00 EUR for claims of non-delivery or 'significantly not as described' on qualified eBay listings which are paid for with PayPal. To qualify, German sellers must have a Verified Personal (Personal accounts eligible on www.ebay.de only), Premier or Business PayPal account in good standing and have an eBay feedback score of 50 or more with at least 98% positive feedback. In addition, sellers must select PayPal as a payment option when they list the item. Items must be listed on eBay.de, eBay.com, eBay.co.uk, or eBay.ca to qualify. PayPal Buyer Protection is only available for tangible goods. Qualified listings will then display a PayPal Buyer Protection seal on eBay.

All buyers worldwide are eligible for coverage, provided the listing displays the PayPal Buyer Protection seal, that the buyer uses PayPal to pay the seller at the same PayPal account used in the listing, and file their claim within 30 days of payment. Buyers may only receive two PayPal Buyer Protection claim awards per calendar year.

Effective Date Change
 
 
Notice Date: November 21, 2004
Effective Date: November 21, 2004
Due to a scheduling change, the following Policy Updates, which originally had an effective date of November 19, 2004, now have an effective date of November 21, 2004: Address API, Merchant Gift Certificate Policy, PayPal Buyer Protection Coverage Increase, Personal Account Receiving Limits, and Withdrawal Fee Customization.

Address API
 
 
Notice Date: November 21, 2004
Effective Date: November 21, 2004
With the Address API, eligible merchants will be allowed to provide PayPal with the address information for a specific buyer. PayPal will then inform the merchant whether the address exists in the PayPal system, and whether or not it is a Confirmed Address.

User Agreement Updates
 
 
Notice Date: November 21, 2004
Effective Date: November 21, 2004
Updated the Personal Account Receiving Limits section in the U.S., U.K., Canadian, Swiss, French, Belgian, German and European versions of the Payments (Sending, Receiving, and Withdrawals) Policy. Updated the amount of coverage, seller qualification requirements and listing qualification requirements in all versions of the PayPal Buyer Protection Policy. Added Statutory Rights information to the Additional Terms and Conditions in the U.K., German and European versions of the PayPal Buyer Protection Policy. Updated the Amount of Coverage information in the Buyer Protection section of the U.S. version of the Buyer Credit Policy. Updated the Withdrawing Funds section of the U.S. Fees Policy. Updated the Multiple Currencies and Non-U.S. Users sections of U.S. Payments (Sending, Receiving, and Withdrawals) Policy. Added the new Gift Certificate Policy to all versions of the User Agreement. Updated the International Fees Withdrawal information in the Withdrawing Funds section of the Canadian, French, Belgian, Swiss, and European versions of the Fees Policy. Renamed the French version of the Artifacts, Grave Related Items, and Native American Crafts Acceptable Use Policy to Cultural Goods and National Treasures Policy. Renamed the French version of the Importation of Goods Acceptable Use Policy to International Transactions - Buyers Policy. Updated the French Alcohol, Counterfeit Items, Counterfeit Currency and Stamps, Cultural Goods and National Treasures, Electronics Equipment, Hazardous, International Transactions - Buyers Policy, Restricted and Perishable Items, Pesticides, Plants and Seeds, Promotional Items, Recalled Items, Stocks, Bonds, Securities and Related Certificates, and Travel Acceptable Use Policies. Updated currencies in French User Agreement to appropriate Euro values. Minor formatting changes to the U.S. version of the Seller Protection Policy. Rearranged content in the U.S. and Swiss versions of the Privacy Policy. Removed inaccurate reference to PayPal Buyer Protection coverage amount from the U.S., Canadian, and Swiss versions of the Buyer Complaint Policy. Updated all versions of the Privacy Policy with information related to the new Address API.

Merchant Gift Certificate Policy
 
 
Notice Date: September 30, 2004
Effective Date: November 21, 2004
Adding a new policy regarding Merchant Gift Certificates. Merchant Gift Certificates is a product that will allow merchants to offer Gift Certificates for sale through the merchant's website or store that can be used only with that merchant. Purchasers may purchase a Gift Certificate for a designated recipient, who may then redeem that Gift Certificate on purchases made with that merchant. Please note that this policy does not cover eBay Gift Certificates, which are offered for sale by eBay and can be used to pay any merchant on eBay.com that accepts PayPal.

PayPal Buyer Protection Seller Eligibility
 
 
Notice Date: September 30, 2004
Effective Date: November 22, 2004
In order to be eligible to offer PayPal Buyer Protection to buyers, sellers must have an eBay feedback score of at least 50, a 98% positive feedback percentage, and meet a number of PayPal requirements per the PayPal Buyer Protection Policy. The 98% test will be redefined to include feedback from repeat users rather than only feedback from unique users. This redefined positive feedback percentage may be higher than what is displayed on the eBay listing. To determine whether an item is eligible for PayPal Buyer Protection, buyers may simply continue to look for the PayPal Buyer Protection eligibility seal on eBay listings.

PayPal Buyer Protection Coverage Increase
 
 
Notice Date: September 30, 2004
Effective Date: November 21, 2004
Effective for listings posted on or after November 21, 2004, the coverage under PayPal Buyer Protection will increase for most supported currencies as follows:

Currency of Original
PayPal Payment
 Maximum Payout
U.S. Dollars
 $1,000.00 USD
 
Canadian Dollars
 $1,250.00 CAD
 
Euros
 €400.00 EUR
 
Pounds Sterling
 £500.00 GBP
 
Yen
 ¥112,000 JPY
 
 

Personal Account Receiving Limits
 
 
Notice Date: September 30, 2004
Effective Date: November 21, 2004
Beginning November 21, 2004, PayPal will reduce the amount of e-commerce payments that Personal account holders in the U.S., U.K., and Canada are able to receive per month. For U.K. customers, the Personal account receiving limit will be reduced from $1,250.00 CAD to $500.00 CAD. Only e-commerce payments received from eBay, auction, or website sales will count toward the receiving limit.

Withdrawal Fee Customization
 
 
Notice Date: November 21, 2004
Effective Date: November 21, 2004
Effective November 21, 2004, PayPal will drop withdrawal fees in the following countries: Austria, Australia, Belgium, Canada, Denmark, Finland, France, Hong Kong, Ireland, Italy, Mexico, Netherlands, New Zealand, Norway, Singapore, South Korea, Spain, Sweden, Switzerland, Taiwan. The withdrawal will be free if the withdrawal amount is above a certain threshold amount. You can learn more about the threshold amounts for your specific country from the withdrawal fees page.

Acceptable Use Policy Updates
 
 
Notice Date: August 23, 2004
Effective Date: September 24, 2004
Revised the introductory paragraph of the Acceptable Use Policy to clarify the intent of the policy. Added the "Gambling" category previously in section 7.2 of the User Agreement, updated the Prescriptions Drugs and Devices policy to require VIPPS (Verified Internet Pharmacy Practice Sites) certification, and clarified wording of Mature Audiences and Lottery policy.

Violating the Acceptable Use Policy
 
 
Notice Date: August 23, 2004
Effective Date: September 24, 2004
Violators of the Mature Audiences, Prescription Drugs and Gambling categories of PayPal's Acceptable Use Policy may be subject to a fine of $650.00 CAD and/or PayPal may take legal action against you to recover losses that are in excess of the amount fined.

User Agreement Updates
 
 
Notice Date: August 6, 2004
Effective Date: August 6, 2004
Minor formatting and grammatical changes to the Preapproved Payments Policy, Payments (Sending, Receiving, and Withdrawals) Policy, Privacy Policy, Bonus Policy, Buyer Complaint Policy, Fees Policy, the Acceptable Use Policy index, and the Stocks and Bonds Acceptable Use Policy. Removed the Seller Protection Policy link and policy from the German User Agreement. Modified opening paragraph of Seller Protection Policy to clarify that this is a 'seller' protection policy. Removed a sentence from section 6 of the U.S., Canada, Switzerland, and ROW versions of the Premier and Business Account Policy. Updated link to the eBay fraud overview page in the Swiss Buyer Complaint Policy. Changed all references of 'Security Center' to 'Resolution Center' in all versions of the Buyer Complaint and Buyer Credit Policies, and directed users to click the link in the header of the Account Overview page rather than the link in the footer, which has been removed. Updated all versions of the Fees Policies with new receiving payments fee information. Removed reference to Mass Pay from Sending Payments section of the Fees Policy for Europe, U.K., and Germany. Updated Alternate Address Confirmation link in the Seller Protection Policy for Canada, U.S., U.K., and ROW. Changed currency values from Pounds Sterling to Euros in the German User Agreement, Fees Policy, and Payments (Sending, Receiving, and Withdrawals) Policy. Removed links to Seller Protection Policy, PayPal Buyer Protection, and Preapproved Payments policies from new French User Agreement.