Quote:
Originally Posted by morningstar8
14.13 is truly scary; it gives PayPal permission to spam and call (1.6,1.9) you forever, and your only legal recourse is court in Santa Clara County CA or Omaha NE (14.3,14.4).
And, of course, PayPal can change the agreement at any time, as soon as they want to, and only have to notify you in the event of a "Substantial Change" (undefined), where "notify" means send you an e-mail. I'm amazed that anybody actually agrees to this.
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I've been a member for probably five years now and have never had a problem. The only e-mail I have ever received from them was notices of changes in the agreement, which almost never affect me. (Nearly all changes deal with selling things via paypal and buying via eBay, neither of which I do.) I have never received a call from them.
I have no credit card, and PayPal gives me security that my checking account won't be drained by having debit card data stolen. My life is much better with it than without it.
The only thing you might have to worry about is being spoofed, but that can happen if you do any form of banking online, so just take the normal banking precautions, and be sure to report any attempts (I've had three, none in the past two years) to their security center. Easy as pie.