PayPal infers data such as income, creditworthiness and shopping habits
PayPal lists inferred data (such as gender, income, browsing and purchasing habits, creditworthiness, fraud and risk assessment, and your preferences and shopping behavior) among what it collects. It says these are inferred based on your transactions and interactions with its Services, ads and offers, or with Partners and Merchants.
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Supporting quotations
Inferred data: Such as gender, income, browsing and purchasing habits, creditworthiness, fraud and risk assessment, your preferences and shopping behavior, which we may infer based on your transactions and interactions with our Services, ads and offers or with our Partners and Merchants.
Qualifications & exceptions
Inferences are drawn from your transactions and interactions with the Services, ads and offers, or Partners and Merchants.
Examples only ("Such as").
Not stated here
The passage does not say how inferences are generated or which model or method is used.
Inference & Profiling · Company practice
Purchase insights are used to personalize, and recommendations are given to Partners and Merchants
PayPal says it may use Personal Information to give you offers and rewards, show ads or otherwise personalize your experience. For example, it may use insights from purchases and other behaviors on its own and Partner or Merchant websites or apps to develop recommendations about products, brands, sizes, preferences and styles, which it provides to Partners and Merchants so that they can recommend relevant products to you.
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Supporting quotations
We may use Personal Information to provide you offers and rewards, show ads or otherwise personalize your experience
using insights from purchases and other behaviors on our and our Partner or Merchant websites or apps to develop recommendations about products, brands, sizes, preferences and styles that we provide to our Partners and Merchants so that they can recommend relevant products to you.
Partners and Merchants means our partners and the merchants, partners or businesses that our Users transact with
Qualifications & exceptions
Insights come from behavior on PayPal and Partner or Merchant websites or apps.
Recommendations are provided to Partners and Merchants.
Not stated here
The passage does not say whether the recommendations given to Partners and Merchants identify you.
Automated decisions on risk, fraud and creditworthiness may restrict or end services
PayPal says it may process Personal Information using AI and/or Automated Decision Making. It uses Automated Decision Making to make assessments or decisions, including about risk, fraud and creditworthiness, where permitted and in accordance with applicable law. This may use profiling techniques to evaluate personal aspects about you, including to analyze or predict your economic situation, reliability and/or behavior, for example to assess whether you show traits indicating possible credit or financial risk, money laundering or fraud, inconsistency with your submissions, or hidden identity. If PayPal decides you pose a credit, fraud, money laundering or other risk, it may refuse new services, stop services you currently use, or place limits or restrictions on them. Users may exercise rights related to Automated Decision Making as described in Your Data Protection Rights.
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Supporting quotations
We may process your Personal Information using AI and/or Automated Decision Making technology under the circumstances described below:
PayPal uses Automated Decision Making technology to make assessments or decisions, including related to risk, fraud and creditworthiness, where permitted and in accordance with applicable law.
Our Automated Decision Making technology may use profiling techniques to evaluate personal aspects about you, including to analyze or predict your economic situation, reliability and/or behavior.
If we determine that you pose a credit, fraud, money laundering or other risk, we may refuse to provide new services to you, stop providing services you currently use, or place limits or restrictions on the services you use.
Users may exercise rights related to Automated Decision Making, as described in
Profiling means analysis of an individual’s personality, behavior, interest and habits to make predictions or decisions about them
Users means other account holders and non-account holders of the PayPal Services.
Qualifications & exceptions
Used "where permitted and in accordance with applicable law".
Consequences are stated as "may": refuse new services, stop current services, or limit or restrict them.
Not stated here
This passage does not say whether a human reviews these decisions; see Your Data Protection Rights for the rights described.
"Profiling" means analyzing personality, behavior, interests and habits to make predictions or decisions
"Profiling" means analysis of an individual's personality, behavior, interest and habits to make predictions or decisions about them, including like terms under applicable laws.
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Supporting quotations
Profiling means analysis of an individual’s personality, behavior, interest and habits to make predictions or decisions about them, including like terms under applicable laws.