Subject: Changes to your Venmo account
From: "Venmo" <[email-masked]>
To: <[email-masked]>
Date: Fri, 28 Dec 2018 03:45:02 +0000 (UTC)

We've made some updates to our User Agreement Venmo
( https://ablinks.email.venmo.com/wf/click?upn=-2FUZsl7-2FaYPhbRzPi91PzGbVwIaQQOWCNIMuooGXrxuA-3D_0DZv1rCRQbXJJ-2FaujUYCwSWAJs1UpQQOuhaZFltgB7dNbmHOPXVXBIV8K1fzE578I7mQluRjgnou-2Fhkuwit7TLl9XUXIgTbK3LYr3-2Bs6CSpchuyCY-2FKLsWrpR-2BfuyO05eDPyJN-2FIl-2FEnqwM6doJS1Wpl12KYMN-2FpDtJfJYQxlTmGpPMluBdKQIsNx0Qntj-2BoRnBWsI6BIyVQUh4B0RAUnW9j7nN5Sm2Vpc6APkDRKoeu-2FAJcPsrFl9rnYhw-2FBvibGNoOEUbeiTPkSz0eCw3pnsWWxWwXsGQVH8u5-2Bfh1hcMC4fOaknt9SmfNgMdy4aebAEs7ecJmw8HkF5FERlDZhFCWVGNcKiZQNW8A8NkgfzPY35DCxTcaRf4MItdSWxD3hVd-2FXBZD0JLpHW-2BCDlrnMNo9iL698wlBOjM-2Fw35uBL7ZRdvWnYdoxzo9POB8XKCKjSWGzbCzg-2FGhUEtLD1-2FNr2BLHsqJ1jvQxx9brVK0SKZX7olgONliGaui8dm-2B-2FzGCpBGjeUI1yrOVyy4W66W13A-3D-3D ) Thanks for being a Venmo user!

We're writing about a few changes to our User Agreement 
( https://ablinks.email.venmo.com/wf/click?upn=TlHHlOWn1-2F0vCXWjt7S6FwbbqjO5N-2BAGcCQWYApCUAmYsPL0FV7isgVsyNdIU3zNE7Qd3mz8AbQ903f9dOtMMw-3D-3D_0DZv1rCRQbXJJ-2FaujUYCwSWAJs1UpQQOuhaZFltgB7dNbmHOPXVXBIV8K1fzE578I7mQluRjgnou-2Fhkuwit7TLl9XUXIgTbK3LYr3-2Bs6CSpchuyCY-2FKLsWrpR-2BfuyO05eDPyJN-2FIl-2FEnqwM6doJS1dc27fy9w44wOH479r7nn4zfpL0a7tnsAYN2T8BZNyD5eweouYKOI2hbq25QT3CMXQzYlwunZdBibb0Mpr5Poh-2Brf11OlcqRtrKJhBRDtRbIgleZN8yuVNOFDNVk7tF6-2B3gVWnCk1MGec0xdMuRXJRv8qFn7K3isP-2BnjaeCaT3J-2FYXzxFy7Ce6diiRdoLP1zcWbqT0QsodFTz9u3ia8Kt1ShKM5w7PaXYhzT3y4hOW5hLx3YEB7Loco-2FP0bkPcnNgtLzB-2BVEnxQjMmvf2O-2FKE1Io46MhFVA9Ud3uG3N2kN0W-2FzS0vJIRQi3ORADWEP3-2BQocajwRBSUMkFl9J9UNX7COh97Bd3xnkJhtyvNjLYCqJ9D0lHmKUfkpogoHaxsMn-2FA-3D-3D ) that will be
effective for you on January 24, 2019. In addition to the below
changes, we're reorganizing the content of the User Agreement.

Please review these updates and familiarize yourself with the
changes being made. If you do not agree to these changes, you may
close your account before January 24, 2019.

Changes include, among others: •  Updating the Venmo
Protected Purchase Program (previously named Authorized Merchant
Payment Protection) to include unusable items as potentially
eligible for protection and to exclude payments sent using a bill
payment service.            •  We've moved the terms for business
account holders ( https://ablinks.email.venmo.com/wf/click?upn=TlHHlOWn1-2F0vCXWjt7S6FwbbqjO5N-2BAGcCQWYApCUAka41UwctC4mSRS7roWvCikqvO3GE17DsHhSK-2BxHsgUMw-3D-3D_0DZv1rCRQbXJJ-2FaujUYCwSWAJs1UpQQOuhaZFltgB7dNbmHOPXVXBIV8K1fzE578I7mQluRjgnou-2Fhkuwit7TLl9XUXIgTbK3LYr3-2Bs6CSpchuyCY-2FKLsWrpR-2BfuyO05eDPyJN-2FIl-2FEnqwM6doJS1WrKHf8Mjr3maQQo6AJFTt55b4pM0kv1uhj8Co8CxSFTSHeJHZ6w25zJvLnsnzowZV3l9KhFX9w7frbP9-2BDVPU8XgSe4o4AloqOBdy3ViPNzkzX81X-2BX-2BNoE1w9QoMnlx38hR314oJGCBztlehoOQxRSgsXMm-2BAJL05X2itfL51c6CEHmJCoU7zvcwaFbip9N-2F-2FeTgQst256dZpQ90iZr-2F-2BNtRhs00pZlTotQMzJUQqU6a98rTpwi7wezK2BxhtJQhgW25SRGyG-2BbNqITGDKxgrv0OEkax3OnXCq7ML516wmrRjn0WXrYOpMyJhAQUKBT542kNOkDauflkmLOiwtNAr-2FCJf-2BhEo27pQ5z6kwJy9rGPYZaAg7wP-2Fz-2FZsMFhBazA-3D-3D )
into their own addendum for ease of reference.            •
We're changing the actions that we may take if you engage in any
restricted activities to include refusing to provide other PayPal
services to you in the future, holding money sent to you for up
to 180 days if you have violated our Acceptable Use Policy 
( https://ablinks.email.venmo.com/wf/click?upn=TlHHlOWn1-2F0vCXWjt7S6F9dbCvJ-2FwXGHiZ4jBRruZ9bmiCuCmpTr6V3uoMXC6ZtNuNRqz2CE0I9rPYHUD-2BBLxMiBKDr50PjveK7fUnetQVk-3D_0DZv1rCRQbXJJ-2FaujUYCwSWAJs1UpQQOuhaZFltgB7dNbmHOPXVXBIV8K1fzE578I7mQluRjgnou-2Fhkuwit7TLl9XUXIgTbK3LYr3-2Bs6CSpchuyCY-2FKLsWrpR-2BfuyO05eDPyJN-2FIl-2FEnqwM6doJS1bZnL-2Bk1qRLSZgVisask-2BrvdQYEyv9ZkSOaKWbN7-2By6AZcOYu0dh70kg3NY6pVpp-2FL83w7QkegwlpmTTE8aqrX12qeT7OlY2tFvIdzWhmYrhINW01dCUWuFk-2BPjtYvAdellf42SoIQpo2sgI0IT-2BvY0XA1dqbmSnMYrKEBFtmOJRhvZyiefZePd-2FTZGklOVT9uahZV0qg8FuDt8B7VfQGy59PyIxmulLnKhQZIa65l6A-2FH0a2OfUIZ3FgnW7rgVR4SVMfGNET2GiXSgnKE2veS0bWnz-2FZqEQG3nDaYjK-2BzeCyWWZwRpQBS0Irj6stGncysGkVlOosn5jXEMZ7JSF5MQuDVdZZIYzdhZmeKEwcOydr0t04mRWXzTuI6hCF7N5GQ-3D-3D ),
and suspending your eligibility for the Venmo Protected Purchase
Program. We're also explaining that if you violate our Acceptable
Use Policy, you're responsible for any damages caused by the
violation.            •  We're clarifying that we may set off any
amounts you owe to us from other accounts you have with PayPal.
•  We're further explaining that the amount of any invalidated
payment (plus any applicable fees) may be recovered from the
sender or the recipient (for example, by holding the sender
liable or reversing the payment from the recipient's account).
•  We're clarifying that you may not be able to close your Venmo
account if you have an open dispute or claim, or amounts owed to
us.            •  We're clarifying that we may take up to 90 days
to investigate whether an error has occurred on a new account,
and, if we determine an error occurred, that we may take up to 20
Business Days to credit such accounts. - The Venmo Team
Venmo is a service of PayPal, Inc., a licensed provider of money
transfer services. All money transmission is provided by PayPal,
Inc. pursuant to PayPal, Inc.'s licenses 
( https://ablinks.email.venmo.com/wf/click?upn=TlHHlOWn1-2F0vCXWjt7S6FwbbqjO5N-2BAGcCQWYApCUAmxUQFHHVKO7VN4oyTgS7iZ_0DZv1rCRQbXJJ-2FaujUYCwSWAJs1UpQQOuhaZFltgB7dNbmHOPXVXBIV8K1fzE578I7mQluRjgnou-2Fhkuwit7TLl9XUXIgTbK3LYr3-2Bs6CSpchuyCY-2FKLsWrpR-2BfuyO05eDPyJN-2FIl-2FEnqwM6doJS1U26HskNPT-2FE9T41C1RO3C-2FCQ7wucPlsU1dvrYK2z2Wb8EGTj0ib1peOybbnibtVXTDcou6H2l-2FXHQjA-2FVqtAJH-2FgXEOtITtwjIj0Qqc4hiZcUjCiFDSOsutkVuC2NpQQXaFSgFQhRt-2FafA0ffRz6oSzKIh-2B8FPiHG4J-2FSG-2Fqeq5d2PMUk4gYKwaUgsrmonabFrrVJggkECJ9-2BfiX4bIRt8lFzV8th7uxcjT1uhHZdZeBIGvOigkLrPCd0F5vT6FJ8XxvxxaDo1zgiwnFTp1GZimAaqDJJ6uF12wYJQMf9UGWVb8pvnPzKFnoLfk4gJky7zvvuydp-2FUsgHb-2FTSS34Zze4iygpOk5CgFWOZrI2Mg3BbxzdX0CAWCJQXBF0viJkQ-3D-3D ).

PayPal is located at 2211 N. First Street, San Jose, CA 95131

Please do not reply directly to this email as you will not
receive a response. For assistance, please visit our Help Center
at help.venmo.com ( https://ablinks.email.venmo.com/wf/click?upn=TlHHlOWn1-2F0vCXWjt7S6F0uEXUJE5BBxIM7iC2tGKg4-3D_0DZv1rCRQbXJJ-2FaujUYCwSWAJs1UpQQOuhaZFltgB7dNbmHOPXVXBIV8K1fzE578I7mQluRjgnou-2Fhkuwit7TLl9XUXIgTbK3LYr3-2Bs6CSpchuyCY-2FKLsWrpR-2BfuyO05eDPyJN-2FIl-2FEnqwM6doJS1SARQ8mAkF7ql6BTE6SNDS2vbcZofl5d68h8yWNqMD4ObVAVvmo4hhNyKDLsCsPXHRowzFTB0BgZORUSVuYiOsFWU2k0on-2FELdFr4rscLkdvJ-2B13LUeVt-2B6kVLsxEaeyV0ZymqtE6LP7qbNLsVhBcrnp125KneKXFkmTUQZ3EqIKODROp1bT4SUlNnVZ6YtVSXfrVaevI1-2B8VwsN542BaeSxnNsY5S4bHAyR2np4NZ0chewgOW9DxHkT97-2F5geO3pLIof4j-2Bj2pBS36UEyPhpQ15tOrUjP597-2B4fvdkhLtriZa1wnOquiO9DFnTqJ7Aj6MDnS1fWwX7eqNELWgAFOU7YBWlM5oOkr0ySI887eyljv3YVzmkPtPo9GRFaZ6pF-2FA-3D-3D ).