13. Disputes between Buyers and Sellers - Buyer Protection Programs. 1.
13.1 Buyer Protection Programs. If you buy an item using PayPal and either do not receive the item or receive an item that you believe is significantly not as described by the seller, we encourage you to open a Dispute with the seller in our Resolution Center. By doing so, you will initiate our Online Dispute Resolution Process—a step-by-step system designed to facilitate communication between you and the seller in order to get resolution of the issue. If your dialogue with the seller fails to produce a satisfactory result, you can then escalate the Dispute into a Claim that we will evaluate for reimbursement under one of the following programs:
1. PayPal Buyer Complaint Policy - Our best efforts program to reimburse Users for losses only to the extent we are able to recover the funds from sellers.
2. PayPal Buyer Protection Policy - Our program to reimburse Users for losses for up to $2,000.00 USD for eligible items purchased on eBay and $200.00 USD for all items purchased on eBay except those items identified below (see section 13.9 to determine whether a transaction on eBay gets $2,000.00 USD coverage or $200.00 USD coverage).This section 13.1.b is effective for items purchased on or after 01/17/07. To view the PayPal Buyer Protection terms and conditions for items purchased prior to 01/17/07 please refer to Exhibit A below.
3. Buyer Protection for eBay Express - Our program to reimburse Users for the full amount of losses for items purchased on eBay Express.
4. Extended Buyer Protection with PayPal Credit - Our program to reimburse Users for the full amount of losses for items purchased using the PayPal Plus Credit Card or PayPal Buyer Credit.
These programs only cover payments for tangible, physical goods. All other payments, such as payments for intangibles, for services or for licenses and other access to digital content are not covered by any Buyer Protection Program that we offer (but may be covered by Chargeback rights).