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<p>[QUOTE=&quot;desertgem, post: 640739, member: 15199&quot;]<b>They spell it our several places in the user agreement.</b></p><p><b><br /></b></p><p><b><br /></b></p><p><b>3.5 Bank Transfers. </b>When Instant Transfer or eCheck is used as your Payment Source, or when you initiate an Add Funds transaction, you are requesting an electronic transfer from your bank account. For these transactions, PayPal will make electronic transfers via ACH from your bank account in the amount you specify. <b>You agree that such requests constitute your authorization to PayPal to make the transfers</b>, and once you have provided your authorization for the transfer, you will not be able cancel the electronic transfer. You give PayPal the right to resubmit any ACH debit you authorized that is returned for insufficient or uncollected funds.</p><p><br /></p><p><br /></p><ol> <li>Payments received in your PayPal account may be reversed at a later time for example, if such a payment is subject to a Chargeback, Reversal, Claim or otherwise invalidated. This means that for some of our sellers, payments received into their Account may be returned to the sender <b>or otherwise removed from their Account after they have been paid and/or delivered any goods or services sold.</b></li> </ol><p><br /></p><p><br /></p><ol> <li>4.5 Risk of Reversals, Chargebacks and Claims. When you receive a payment, you are liable to PayPal for the full amount of the payment plus any Fees if the payment is later invalidated for any reason. This means that, in addition to any other liability, you will be responsible for the amount of the payment, plus the applicable Fees listed in section 8 of this Agreement if you lose a Claim or a Chargeback, or if there is a Reversal of the payment.<b>You agree to allow PayPal to recover any amounts due to PayPal by debiting your Balance. If there are insufficient funds in your Balance to cover your liability, you agree to reimburse PayPal through other means</b>. If a sender of a payment files a Chargeback, the credit card issuer, not PayPal, will determine who wins the Chargeback.</li> </ol><p>11.3 What happens when a buyer files a Claim, Chargeback, or Reversal?</p><ol> <li>PayPal will place a temporary hold on the funds in your account to cover the full amount of the Claim, Chargeback, or Reversal. If the payment is covered by seller protection, we will release the hold and restore your access to the funds.<br /> If the payment is not covered by seller protection, <b>PayPal will remove the funds from your account and return the payment to the buyer. </b>In addition, you will be responsible for PayPal’s Chargeback Fee, if applicable.</li> </ol><p>[/QUOTE]</p><p><br /></p>

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