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Xoom User Agreement

We may revise these Terms of Use and any of the above policies from time to time. The revised version will take effect at the time of publication, unless otherwise stated. If our changes reduce your rights or increase your responsibilities, we will notify you for at least 21 days. We reserve the right to change this Agreement at any time without notice, subject to applicable law. By continuing to use our Services after any changes to these Terms of Use become effective, you agree to comply with and be bound by such changes. If you do not agree to any changes to these Terms of Use, you may close your account. Granting permission to third parties to access your PayPal account in any way does not relieve you of your liability under these Terms of Use. You are liable to us for actions you authorize third parties to perform. You will not make us liable and you will indemnify us from any liability resulting from the acts or omissions of these third parties in connection with the authorisations you have granted, subject to your mandatory statutory rights. To protect us and our users from loss, we may delay a withdrawal in certain situations, including when we need to confirm that you have authorized the withdrawal or if other payments to your PayPal account have been chargebacked (for example. B as a result of a chargeback, bank chargeback or dispute by a buyer). If we delete your account PayPal a limit, if a payment is suspended, or if your account or any associated account has a negative balance in any currency while a withdrawal from your PayPal account is pending, you will need to make the withdrawal again once the restriction or suspension has been lifted or the negative balance has been paid in full.

Our failure to act with respect to any breach by you or others of your obligations under this User Agreement does not waive our right to act with respect to subsequent or similar breaches. Notwithstanding the provisions of the preceding paragraph, if you are a seller using the services PayPal to accept payments for goods and services, you hereby grant PayPal and its affiliates a worldwide, non-exclusive, transferable, sublicensable (multi-tier) and royalty-free right, fully paid to grant your trademark(s) (including, but not limited to, registered and unsled trademarks) during the period to use and display this User Agreement publicly. Trade names, service marks, logos, domain names and other designations that you own, license or use) for the purpose of (1) identifying you as a merchant accepting a service PayPal as a payment form and facilitating consumer transactions with you, and (2) any other use to which you expressly consent. We may disclose aggregated, anonymous or anonymized information about users for research, compliance, promotional activities with PayPal or other legal purposes related to processing your top-up purchase. Unless you add money to your Venmo account via direct deposit, any money sent to you on Venmo is an unsecured claim against us and is not insured by the Federal Deposit Insurance Corporation (FDIC). We combine your money with venmo money from other venmo users and keep it in a deposit account for the benefit of our account holders. With the exception of funds in accounts that have used direct deposit, we invest the money in liquid investments in accordance with the state`s money transfer laws. We hold the interest or other income from these investments. However, the claim against us represented by this money is not guaranteed by these investments and you have no ownership rights (neither legal nor advantageous) on these investments.

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