text:
Neighbours - Part 7
Fiction, Cum Swallowing, Group Sex, Males / Females
Author's infos
Gender: male Age: N/A Location: N/A
Posted Wed 31st of January 2007
It was time for Sarah's birthday party and her parents had organised something special for her.
As time went on, I spent most of my weekends at Paul and Jane's. So far, when I stayed over, Sarah was at Lizzie's so I only saw her in passing. One evening though, on her way home from school, she dove into my house to ask me to come to her birthday party. She had slid my zip down and had reached in to grasp my cock which she now stroked as she said "It's going to be really cool" she enthused, "Lizzie's coming and Adam and Mick will be there. So will Hassan, I hope, and some more of mom and dads friends."
"Why in particular do you hope Hassan will be there?" I asked, knowing his particular talent and wondering if Sarah just wanted to jerk me off or whether she had time for me to fuck her. As I spoke to her I slid my left hand inside her shirt and under her bra to feel her pert little tit whilst my right lifted her school skirt and I moved her pants to one side to allow me to slide my finger into her. This was the funny thing about having sex with this girl, and with Lizzie as well come to think of it, everything was so matter of fact. It was just like they were playing a game and the winner was whoever was first past the post. How they got there wasn't that important.
"You know why," she responded, "he keeps going for so long but when he cums he really shoots so far! It's amazing to watch if he lets it fly through the air. Besides which, Lizzie has a thing for him and she just loves the way he keeps it up so long." I looked into those bright wide eyes of hers as she told me this and I could see she was visualising Hassan's cock spurting his cum all over her. This, and her rhythmic strokes were bringing me off so soon and I pulled her panties down and lifter her up onto my cock to spear straight inside her.
"Oh Tom," she gasped, as she clutched me around my neck and began to ride on me, "oh yes fuck me Tom, fuck me quickly now! You cum inside me now and let me feel it!" I cradled her buttocks in my hands and began to lift her and then let her fall as I fucked her whilst I stood with her legs around my sides. She slid on my pole and her tight little cunt gripped me and I began to cum inside her as I shot long hard bursts of spunk into her little teenaged cunt. She gasped again and I felt her twitch as she too came to her orgasm and she bore down on my stump as hard as she could.
When I finished I lowered her slowly and she knelt down in front of me to lick our mixed cum juices from my cock. Looking down on that pretty little head I realised how lucky I'd been to move into this house and knew that my fuck adventures with this family would be going on for quite some time yet. "So, are you going to come?" she asked, bringing me out of my daydream "my birthday party, are you going to come?"
"Yes, yes of course I'm going to come," and I thought to myself that I would surely cum at her party as well, "wouldn't miss it for the world."
"Great," she said, "I knew you would" and she turned to leave.
"Do you want to use the bathroom before you go home?"
"No. Mom knew I was coming to invite you to my party and she told me to save some of you for her. So I'm taking some of you home!" and with that she ran out laughing and waving as she made for her house.
This family is amazing, I thought to myself. Whatever are they going to come up with next? At the night of Sarah's party, I would find out!
Party night arrived and I made my way over there. The drive was full with parked cars and the road was pretty busy as well. I could hear the music from yards away but thought what the hell, it's a teenagers fourteenth birthday so she's going to have loud music playing. The door was open when I got there, which is just as well as no one would have heard me knocking, so I walked on through.
As I entered the lounge, Jane spotted me and yelled into my ear that I was the last guest so she would now lock the doors. She walked past me and I looked around the room. All the furniture had been removed except for the low table that we had fucked Jane and Jackie on a few weeks ago. This was in the centre of the room and had cushions piled on it. I spotted Adam, Mike and Hassan and then Paul. There were another six men I had not yet met and a short haired blonde woman who I also did not know. Over on one side of the room was Sarah surrounded by Mike, Adam and four of the other men. Lizzie was nearby talking to Hassan as she stroked his cock through his trousers whilst the other two men and Paul were paying attention to the blonde.
Jane returned and came over to me and wrapped her arm around my neck as she purred into my ear. "Oh Tom, are we going to have fun tonight. I wasn't sure everyone would get here but they all managed and we should be able to give Sarah the birthday present she asked for."
"So, what is the present she wants then?"
"Look around. Can't you guess? She wants her first bukake bath and Lizzie, Glena and I are going to be the fluffs for her. You and the others are going to come on her at midnight so don't you go using all your cum before then or you'll spoil it. Come on, Glena wants to meet you, you've met some of the others but later you can get to know the rest. That's Jim, Tony, Jed, Harry, Ian and Allan. Glena and Jed are Lizzie's parents and we've had a similar party at Lizzie's fourteenth so now it's Sarah's turn." Jane took me by the hand and led me over to where Glena was talking to Harry, Allan and Paul. Allan was stroking Glena's pert behind through the thin material of her dress as she was sliding her hand up and down on Harry's rampant cock.
"Now Glena," chastised Jane, "don't you go making them all cum too early. You know this is Sarah's night. This, by the way, is Tom. Lizzie has told you all about him."
"Hello Tom," she said, withdrawing her hand from Harry's cock and brushing it against mine, "Lizzie told us about your riding lessons with her and Sarah. I want some of that later" and she gave my cock a purposeful squeeze. "You must come over and visit us sometime. It's not just Jane and Paul who have all the fun around here you know."
The evening progressed with general mingling and everyone moving around from person to person. By eleven, we had all had our cocks stroked by the two women and the two girls and they had all been felt in one way or another by us. Clothes had been removed and we were all naked in one large wandering group of sexually charged people. I was standing behind Lizzie with her pulled to me and my arms around her fondling her pert titties as I slid my cock along the crack of her behind when the music was lowered and Jane spoke. "Ok everyone, we all know why we are here so let's have a big cheer for the birthday girl" and she beckoned Sarah over to her as we all began to cheer her. She put her arms around Sarah and gave her a tight hug and a heavy kiss on the mouth where she slid her tongue into her. When she pulled apart she looked out to us and said, "This is my little girl and I love her so much. Today she is fourteen and she wants you all to share yourselves with her so don't hold back and let's make this a day she will remember. Let's get to it." And with that she reached across to Mike, who was nearest, and began to stroke his cock as she lowered her mouth to take him inside.
Lizzie tilted herself forwards to give me access to her little slit and I buried myself in her from behind as Hassan presented his cock to her mouth. She groaned out loud as she slid it into her mouth and down to the back of her throat. Across the room, Glena was squatting on Tony's cock as she flicked between Paul and Jim, stroking and sucking on them. She hardly missed a beat when Allan moved in behind her and began to insert himself into her ass hole. Sarah had lain down on the low table with her legs splayed and her mouth hanging over the edge as Jed began to fuck her slowly whilst she jerked on Harry and Adam. Jane was now holding her tits together as Mike thrust his cock between them and Ian slid his cock into her. We were now all either fucking, sucking or being jerked off and the girls were loving it judging by the moans and shrieks they were making.
Ian was first to break the pattern as he whipped his cock out of Jane and ran across to her daughter. When he reached her he stood over her head and with a final couple of strokes he shot across her face. She lifted her head to him and he dipped his cock into her mouth to allow her to drain his final dribble. That sight started the ball rolling and Mike was next to cross over to cum on Sarah's upturned face. This left Jane without a cock but she soon remedied that as she accommodated Harry and Adam who had left Sarah's capable hands to give Mike and Ian space. Jane knelt on the floor and took both cocks in her mouth together. Her cheeks puffed out to the sides as they slid into her to brush along her tongue and teeth.
I felt Lizzie contract her tight little cunt on me as she orgasmed and I wanted to shoot my cum into her there and then but tonight the rule was to give to Sarah. I pulled out of Lizzie's wonderful little box and hurried over to Sarah, hoping I got there in time. She turned her head to me and grinned as I held my cock alongside her open mouth and she reached up to pump on it. That was all I needed and I let my spunk fly. Thick heavy jets whacked into her cheek and mouth as she continued to milk me and I slid my cock into her open mouth to feel her warm moist tongue lap along my length. Paul followed me from the other side of her face and I watched Sarah as she took the cum from her father as readily as she took it from the rest of us.
One by one we all unloaded onto Sarah's face and into her mouth. She was yelping with delight at each new cock shoot. Glena, Jane and Lizzie rotated around and carried on with their task as fluffs, ensuring that cocks remained hard and ready to shoot onto Sarah. Only Jed and Hassan had not cum yet. Jed, Lizzie's father was still slowly fucking in and out of Sarah and he fixed his gaze on her wet cunt mouth as he slid in and out of her. He was stroking her little clit with his thumb and his cock was slick with her juices and he was saying, "God you guys! You should be in here to feel this beautiful little cunt twitch on my cock each time she cums." This set Sarah off laughing out loud and she said to him "Come on Uncle Jim, it's your turn now! Come on with my birthday present."
"OK baby," he said, "you know I can't resist when you ask me so nicely. Here it comes so get ready" and he began to pound into her at a ferocious speed and she flew into another squealing orgasm as he pulled out and shot his cum. Long thin streaks of milky white spunk flew through the air over her. He cascaded across her belly, her little tits and even reached her face from there and he grunted in his pleasure. Lizzie meanwhile was still sucking on Hassan. She was keeping him all to herself and he was in no rush to cum just then as she slid her mouth along his lengthy rod. After I had pulled out of her, Ian and Allan had both been inside her and primed their cocks to shoot again over Sarah and Mike was currently pounding into her. Lizzie was clearly enjoying Sarah's birthday party as much as Sarah was.
Glena had pulled me into her and I was sliding deep inside her. She stared fixedly into my eyes and said, "How do you like this Tom?" as she then squeezed her cunt walls together on me and gripped me like a vice. "I can crush an empty coke can with this pussy you know so how do you like to feel a cunt as tight on you as mine is?" I'd no real answer to this but just kept trying to keep my momentum going as she squeezed on me with those well trained muscles. I must follow up her invite I thought and get round to see this lady soon.
Paul by now was his usual self. He had managed to get Harry to fuck him as he sucked on Adam's cock. Knowing Paul I was sure he would rather have had them cum in him than on Sarah but even he followed the rules tonight and let them move from him to cum on her face with he himself following shortly after.
Everyone had cum at least twice over Sarah and some three or four times. Everyone that is, except Hassan. He was still buried in Lizzie's mouth and she was loving it. Finally Sarah said in a mock sulky voice, "Hassan, come on, I've saved you 'till last but I can't wait any longer."
"All right little lady," he laughed "here is your big present from me." He moved over to her and, from past experience, I knew he was going to give a show. He stood over her head and began to pump his long thin cock with both hands. He maintained the slow steady pace he always did whether fucking or jacking off and then he tipped his head backwards and started to cum. Spurts of thick white spunk flew from his cock and shot over her. Some hit her face but most went way past it and landed on her chest and belly. It was like Jed earlier, only in reverse. As he was still shooting he began to move around her whilst he continued to pump his cock. It never once began to lose its rigidity and he positioned himself between her legs as he was still spurting and he slid himself into her little open cunt.
His rhythm never faltered and he continued with it as he began to slowly fuck her. She was rolling in delight and we stood around watching his performance. Some of us were fucking as we watched but most enjoyed this spectacle as Hassan carried on his long slow strokes. He would sink into her as far as he could but she was a little too shallow to take his full length. When he felt himself hit her base he began his slow withdrawal, bringing his cock head right to her opening before sliding back into her again. "Now Sarah," he called to her, "Here is the icing for your cake" and he pulled out from her as the first spurt of this cum began to leave his cock. He slid himself up her body so that he sat over her chest and he slid his balls between her little titties as he dipped his shooting cock into her mouth.
We could see it twitch with each contraction as he let his spunk fly into her mouth. She closed her eyes and mumbled her pleasure as she began to drink his cum down. He twitched and twitched in her but she lost not one single drop as his cock now continued its pendulous movements and he fucked her mouth. Another ten minutes followed before he shot for his third time without a break and we all howled and applauded him as he roared with his head turned upwards and his cock twitching yet again in its spasms. Hassan now slid off Sarah and moved away as the rest of us queued to give her our final cum of the evening. We moved round her in a large circle with Glena, Jane and Lizzie jerking and sucking cocks to keep us all primed and as we were about to cum we would move to the head of the table to shoot our loads over Sarah's face and have her sip the drips from our spent cocks.
Finally, we were all done. Glena lay with Sarah and swished her tongue around her mouth as Lizzie licked the froth from Sarah's little cunt lips. Jane sat behind Lizzie and stroked the young girl's little cunt, sliding a couple of fingers in and out of her and then offering the juice to the rest of us. Everyone was in a sort of dazed exhaustion but we all agreed…….this had been one hell of a birthday party!
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5 comments
2007-02-11 12:18:14
It is wonderful fantacy for birthday. Great idea. 10/10.
2007-02-03 11:06:11
Fuck this is great
2007-02-02 19:12:45
fuck mate keep them coming 10/10
2007-02-02 12:04:11
Now I liked that, but maybe too many people, I had trouble keeping track of who was who...
2007-02-02 09:34:18
Wow this series just grows. What a variety of action
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The music of "romantic rachstars" thundered from the Lubbock Symphony Orchestra on Friday evening—that is, the modern piano and symphonic music of Russian-born composer Sergei Rachmaninoff and French composer Maurice Ravel.
Guest pianist Conrad Tao alternated between pounding rhythms and familiar melodies that ran through Rachmaninoff's 24 variations in the "Rhapsody on a Theme of Paganini." Tao, an 18-year old Chinese American, played with both intensity and control, at times seeming to curl into the keyboard and then lean back, nodding his head furiously to the beat.
Rachmaninoff's variations were based on a melody composed by Niccolo Paganini, an Italian "rock star" star in his own right in the early 19th century, known both for his virtuosity on the violin and with women.
The variations include various appearances of the medieval Dies Irae church chant, which signifies God's day of reckoning. Also appearing was Rachmaninoff's inversion of the main theme—which on its own is one of the most well-known romantic melodies of modern times.
Tao impressed the Lubbock audience, whose members jumped to their feet immediately after the piece and remained standing until he returned for an encore performance. "I don't know about you, but I am feeling a bit tenderized now," Tao told the audience before launching into Franz Liszt's Hungarian Rhapsody No. 6—a staple of piano showmanship.
Tao impressed some of Lubbock's must discerning musicians, too. During the intermission William Westney, renowned pianist and Texas Tech artist in residence, greeted Tao and commented that the young pianist "exudes charm."
Westney's wife, Emilia, added that Tao had it all—lyricism, drama, and joy. One expects flashy technique from a young virtuoso, Emilia Westney said, "but he had poetry about him."
Equally impressive throughout the evening was Conductor David Cho and the LSO, who complimented each other in arrangement and delivery. Cho is quickly gaining a reputation in Lubbock for his ability to guide the individual instruments of the orchestra so that each makes a statement and then quickly moves aside for another featured instrument or the orchestra as a whole.
Thus, even amid the thick orchestration of Rachmaninoff each instrument or group of instruments was clear and distinct.
Cho told a group at dinner before the performance that he reviews a score carefully before presenting it to the orchestra to ensure that no sounds contradict each other. So, for example, he looks for places where instructions for the strings might have one section bowing in the opposite direction. "That's not my style," he said.
Nowhere was this tight arranging more evident that in the first movement of Rachmaninoff's "Symphonic Dances," when the woodwinds traded parts in a tender conversation.
Unusual for orchestral music, the conversation began with an alto saxophone, played by David Dees. Among others adding melodies were David Shea, clarinet; Janeen Gilliam, English horn; and Amy Anderson, oboe.
The piano, bassoons, and percussion, and strings joined—revealing that in this, Rachmaninoff's final composition, he too had command of the entire orchestra.
The second movement continued to showcase Rachmaninoff's and Cho's ability to cast instruments in distinct voicings. The movement opened with an almost screeching sound from the brass—"nasty" as Cho characterized it—that temporarily broke the lyricism of the first movement, making the audience quickly long for its return.
Return it did, first in strings led by violas and cellos, then throughout the orchestra. The third movement juxtaposed the Dias Irae theme in its second appearance of the evening with more joyful Russian Orthodox chant, "Blessed is the Lord."
The LSO began Friday's concert with Ravel's Pavane pour une infante defunte, a dance for a dead princess. A horn solo against plucked strings opened, giving way to wonderful woodwind and harp interludes.
Friday's concert featured encores in both halves of the performance, including another short Rachmaninoff piece at the very end. Cho indicated during the pre-concert dinner that he hopes to extend the performances next season for perhaps an additional 10 minutes or so.
Clearly, given the enthusiasm he has mustered among the orchestra and its patrons this season, the additional minutes of music will be well received.
Ken Baake is an associate professor of English at Texas Tech and a music enthusiast.


text:
Bike blog + Tour de France
The two most important bike races in the world are on right now: but you can only watch the Tour de France boys on telly. Meanwhile, fans of the Giro Rosa must check Twitter to follow the girls. Helen Pidd talks to TV networks — and cycling commentator Ned Boulting —to find out why
Peter Kimpton explores cyclists' goals and experiences on the extremes of Haute Route in the Pyrenees
Prior to tackling Europe's 2015 Haute Route, Peter Kimpton talks to two inspiring cyclists also preparing for the challenge – champion pro Emma Pooley, and remarkable disabled rider Christian Haettich
With barely any training Peter Kimpton tried to tackle the Haute Route, the highest and toughest cyclosportive in the world. How did it go?
The Haute Route is billed as the world's toughest cyclosportive, so how can office-bound Peter Kimpton get ready to climb Europe's most daunting peaks in Tour de France style?
The arrival of the Tour de France in London may have helped the capital project a cycling-friendly image but overall road strategy needs a change in direction
Fran Langdon: Disgraced cylist stripped of his seven Tour de France titles should be judged in the context of the culture that dominated the sport
Trevor Ward: Charging spectators to see the traditional curtain-raiser of the Tour de France is at odds with an egalitarian, accessible sport
Across the battlefields of the first world war, nothing has ever tested riders more than 1919's Circuit de Champs de Bataille
Danae Mercer: Errors, genuine or mischievous, have dashed the hopes of many a cyclist mid-race. Tell us your experience
As a lad, Matthew Loveday would gobble down his tea in time to watch the Tour de France highlights on telly, blissfully unaware of who had won the day's stage. Then Twitter came along and ruined everything
From riding to racing, post your questions on all things cycling for the world authority on the sport, Phil Liggett
Stage 1 starts in Leeds and ends in Harrogate. Stage 2 goes from York to Sheffield via Hawes. Stage 3 will whizz from Cambridge to London. What can the riders expect?
Corsica has its day in the sun today, as details are announced of next year's 100th race. But in twelve months' time, the world may turn its attention to Cragg Vale. Or Crackpot
Matt Seaton: Replica kits are big business, and people like to ride in the same jerseys as their heroes. But what if they turn out to be villains?
Miles Brignall: Figures show a pronounced spike in the amount spent on bikes, equipment and servicing
Peter Walker: James Straffon's works celebrate the era of wool over Lycra and steel over carbon fibre
Matt Seaton: Once again, the seven-time Tour de France winner is accused of cheating. Once again, he denies it. Is it time to move along?
Peter Walker: It's the Guardian's regular "hack day" this week, and some cycling-mad digital developers want to pick your brains
Helen Pidd: ITV's roving reporter has written a hugely enjoyable behind-the-scenes look at the Tour de France
Yet the seven-time Tour de France winner is hardly the retiring type. So what next for the controversial cycling champion?
William Fotheringham: Scheduled loo breaks, family visits and not attacking when your opponent's chain comes off - all some of the Tour de France's unwritten rules
How a new play imaginatively recreates the Tour de France
Until the race really gets going, the main entertainment is in the growing roll-call of riding wounded, writes Matt Seaton


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** To qualify for our Merchant rates you must submit a one-time application, have qualifying monthly sales volume, and have an Account in good standing.
*** See Section 8.4(d) below for detailed list of fixed fees for international payments.
**** To qualify for our charity rates, you must have a registered charity business number with the Canada Revenue Agency.
- Additional Fees. The following additional fees apply to all Products in connection with the activity described.
Cross-Border Payment
For receiving payments from buyers outside Canada.Rate effective until April 13, 2016: 1.0% (added to the Transaction Fees for payments received from International Sales (excluding the US)
Rate effective as of April 13, 2016:
0.8% (added to the Transaction Fees for US Sales)
1.0% (added to the Transaction Fees for International Sales (excluding the US))
Cross-Border Payment
For receiving payments from buyers outside Canada.1.0% (added to the Transaction Fees for payments received from International Sales (excluding the US)
- If you have a dispute with us as a Merchant
Although we strive to resolve all disputes with our customers directly, we acknowledge that this is not always possible. For PayPal Merchants, we have included information in a new Section 14.3 on how you may contact the Financial Consumer Agency of Canada (FCAC) in the event that you are unhappy with the resolution of a dispute between you and us. Please note that the FCAC does not become involved in matters of redress or compensation and is not a dispute resolution agency for consumers in their individual dealings with payment card network operators or acquirers.
14.3 PayPal Merchant Disputes. If you are a PayPal Merchant and you are unhappy with the resolution of a dispute regarding a potential violation of the Code of Conduct for the Credit and Debit Industry in Canada, you may contact the Financial Consumer Agency of Canada (the "FCAC") in writing at: 6th Floor, Enterprise Building, 427 Laurier Ave. West, Ottawa, Ontario K1R 1B9. The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232) or through its website at fcac-acfc.gc.ca. Please note the FCAC does not become involved in matters of redress or compensation and is not a dispute resolution agency for consumers in their individual dealings with payment card network operators or acquirers.
Amendments to the PayPal User Agreement, the PayPal Privacy Policy and the PayPal Acceptable Use Policy
Effective Date: July 1, 2015
We are changing our User Agreement, Privacy Policy and Acceptable Use Policy. We are providing a summary of the most important changes below, for your convenience. The Revised User Agreement, the Revised Privacy Policy and the Revised Acceptable Use Policy (the "Terms") will be effective for all PayPal users on July 1, 2015. We encourage you to review this Policy Update and the Terms to familiarize yourself with the changes. YOUR USE OF SERVICES, INCLUDING OUR WEBSITE, AFTER JULY 1, 2015, MEANS THAT YOU AGREE TO THE CHANGES TO OUR TERMS.
A summary of the most important change is provided below. You can also click HERE to review the revised PayPal User Agreement, HERE to review the Revised PayPal Privacy Policy and HERE to review the Revised Acceptable Use Policy in their entirety.
- Notifying you of information about your Account
We have updated the methods we may use to notify you about information about your Account, by including notices sent to you through the PayPal App. See Section 1.7 of the Revised User Agreement.
- Contacting you by telephone or text message
We are revising our Terms to permit us to contact you by telephone or text message for certain purposes, including for the purposes of servicing your account, to market to you, and to collect outstanding debts. You agree to be responsible for any third-party communications charges you may incur if we contact you. See Section 1.10 of the Revised User Agreement.
- Account Eligibility
We have clarified that you must be a resident of Canada to open an Account at paypal.ca, see Section 2.1 of the Revised User Agreement.
- Sending Limits
We have clarified why we may impose sending limits on the amount of money you can send using PayPal. See Section 3.1 of the Revised User Agreement.
- Fee Changes
We have changed our Terms to clarify that we may change our Fees by providing you with 30 days' notice if you have a Personal Account and, if you have a Business Account, we will provide you with 90 days' notice if we increase an existing Fee or introduce a new Fee which is applicable to you. See Section 8.1(d) of the Revised User Agreement.
- PayPal and eBay Separation
PayPal and eBay are separating and we've updated our Terms to reflect that we will soon be separate companies. From your perspective, there should be very little difference in experience. See Sections 5.5, 10.1(c), 10.4 and 13.2 of the Revised User Agreement.
- Micropayments
We have clarified that merchants who use PayPal Payments Pro to process their payments are not eligible for this category of pricing. See Section 8.5 of the Revised User Agreement.
- Purchase Protection now includes intangible items
We have expanded PayPal Purchase Protection to the purchase of intangible items, including services and virtual goods, and have clarified the Proof of Delivery requirements. Please note that Seller Protection will continue to apply only to tangible items. See Section 11.4 and 13.3 of the Revised User Agreement.
- If you have a dispute with us
Our Terms are now governed by the laws of Ontario (where our offices are located) and the laws of Canada. You may bring claims against us in courts located in Ontario. Please note, our arbitration process remains unchanged and you may also choose to resolve disputes with us through arbitration overseen by an independent third party, either by telephone or by written submission. See Section 14.3 of the Revised User Agreement.
Limitation of Liability We are revising the Limitations of Liability to state that we are not liable for damages arising from any loss of your data or business caused by the use of our Services, our website, our actions or otherwise as described in the Terms. These are important changes (that's why the Limitation of Liability is in all caps) and you should review the relevant clause in its entirety below: 15.1 Limitations of Liability. IN NO EVENT SHALL WE (INCLUDING FOR GREATER CERTAINTY, OUR PARENT AND AFFILIATES), AND THE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS OF PAYPAL, (INCLUDING FOR GREATER CERTAINTY OUR PARENT OR OUR AFFILIATES) BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF DATA OR LOSS OF BUSINESS) ARISING OUT OF OR IN CONNECTION WITH OUR WEBSITE, THE SERVICES, OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE), UNLESS AND TO THE EXTENT PROHIBITED BY LAW. OUR LIABILITY (INCLUDING FOR GREATER CERTAINTY, THE LIABILITY OF OUR PARENT AND AFFILIATES), AND OUR (AND THEIR RESPECTIVE) OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES. IN ADDITION, TO THE EXTENT PERMITTED BY APPLICABLE LAW, PAYPAL (INCLUDING FOR GREATER CERTAINTY OUR PARENT AND AFFILIATES) AND OUR (AND THEIR RESPECTIVE) OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES, AND SUPPLIERS ARE NOT LIABLE, AND YOU AGREE NOT TO HOLD THESE PARTIES RESPONSIBLE, FOR ANY DAMAGES OR LOSSES (INCLUDING, BUT NOT LIMITED TO, LOSS OF MONEY, GOODWILL, OR REPUTATION, PROFITS, OR OTHER INTANGIBLE LOSSES OR ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES) RESULTING DIRECTLY OR INDIRECTLY FROM: (A) YOUR USE OF OR YOUR INABILITY TO USE PAYPAL'S SITES AND SERVICES; (B) DELAYS OR DISRUPTIONS IN PAYPAL'S SITES AND SERVICES; (C) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING PAYPAL'S SITES OR SERVICES OR ANY SITE OR SERVICE LINKED TO PAYPAL'S SITES OR SERVICES; (D) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY KIND IN PAYPAL'S SITES OR SERVICES OR IN THE INFORMATION AND GRAPHICS OBTAINED FROM THEM; (E) THE CONTENT, ACTIONS, OR INACTIONS OF THIRD PARTIES; (F) A SUSPENSION OR OTHER ACTION TAKEN WITH RESPECT TO YOUR ACCOUNT; (G) YOUR NEED TO MODIFY PRACTICES, CONTENT, OR BEHAVIOR, OR YOUR LOSS OF OR INABILITY TO DO BUSINESS, AS A RESULT OF CHANGES TO THIS AGREEMENT OR PAYPAL'S POLICIES. PAYPAL RESERVES THE RIGHT TO MODIFY ITS POLICIES AND THIS AGREEMENT AT ANY TIME CONSISTENT WITH THE PROVISIONS OUTLINED HEREIN. |
- Terms in English
You may access our Terms in either English or French, but we have included a clause in our English Terms to make it clear that if you access the Terms in English, you are expressly choosing to do so. See Section 15.7 of the User Agreement.
Amendments to the PayPal Privacy Policy
Effective Date: July 1, 2015
This notification advises you that PayPal is changing its Privacy Policy, including to reflect the new relationship that PayPal will have with eBay Inc. and its affiliates ("eBay") after the companies are no longer affiliated by common corporate control. Click HERE to review the complete terms of the updated Privacy Policy in its entirety.
We encourage you to carefully review the updated Privacy Policy and this Policy Update to familiarize yourself with the changes that are being made, including the following:
Binding Corporate Rules | PayPal is committed to adequately protecting your personal information regardless of where the data resides. Following separation from eBay, PayPal will rely on a variety of methods to ensure adequate transfer of information across borders, including contractual mechanisms, and therefore we have removed the section referencing eBay's Binding Corporate Rules. |
Collection of Personal Information | This section includes several changes explaining how PayPal collects personal information for the provision of PayPal Services, including the collection of information from other sources, such as from other PayPal accounts controlled by the same user. |
How We Use The Personal Information we Collect | This section has been updated and highlights the purposes for which we use personal information, including for identity verification purposes, the performance and customization of PayPal Services, and our reasons and methods for contacting you. |
How We Share Information with Other PayPal Users | Changes have been made to this section explaining how personal information may be shared with other users of PayPal Services to facilitate transactions, transactional disputes, or when linking a loyalty or gift card of a PayPal merchant to user accounts. |
How We Share Information with Other Third Parties | This section was modified reflecting, among other things, the changing nature of the relationship between PayPal and eBay. Both parties will be separate entities, but would like to continue to provide users with the experiences they have come to expect. The changes to this section reflect PayPal's sharing of account information with eBay and other third parties for purposes of fraud prevention and risk management, customer service, shipping and legal compliance. As has always been the case, third parties will not be able to use this information for their marketing purposes without a user's express consent. |
Amendments to the PayPal Acceptable Use Policy
Effective Date: July 1, 2015
This notification advises you that PayPal is changing its Acceptable Use Policy. The update to the Acceptable Use Policy is effective July 1, 2015. A summary of material changes is provided below.
- Prohibited Activities
It is now expressly prohibited to use PayPal to engage in activities that relate to transactions involving cigarettes, or that involve offering or receiving payments for the purpose of bribery or corruption.
- Pre-approval required to use PayPal for the sale of certain services
You may use PayPal to accept payments for the sale of certain goods and services, including non-cigarette tobacco products, e-cigarettes and prescription drugs/devices, only if you first contact us and we approve your proposed sales.
Amendments to the PayPal User Agreement
Effective Date: January 7, 2015
We encourage you to carefully review this Policy Update to familiarize yourself with all of the changes that are being made to the PayPal User Agreement. These updates will be posted at least 30 days prior to their effective date. These changes will become effective January 7, 2015. If you use PayPal after the date these changes become effective, we will take that usage as your consent to the changed terms.
- Dispute Filing Window
We're increasing the time for buyers to file a merchandise dispute (Item Not Received and Significantly Not as Described) from 45 days to 180 days. All references in the User Agreement to "Opening a Dispute within 45 days" have been updated to reflect "Opening a Dispute within 180 days." The Sections these changes appear include the introduction, 13.2 and 13.5.
- 10.1(b)
PayPal's Seller Protection and Buyer Protection policies may vary from country to country. If you as a seller, sell an item to a buyer from another country, you will be subject to the Buyer and Seller Protection policies applicable to your buyer's country and required to reimburse PayPal for any payment or refund to your buyer made pursuant to that other country's policy. We are revising section 10.1(b) to reflect this.
Liability for Claims under PayPal Purchase Protection. If you are a Seller and PayPal makes a final decision that you lose a Claim filed directly with PayPal, you will be required to reimburse PayPal for your liability. Where you receive payment from a PayPal Account holder in another country and we determine under the PayPal Buyer Protection Policy of that country that the funds received should be returned or reversed, you will be subject to that country's PayPal Buyer Protection Policy and required to reimburse PayPal for your liability (before receiving payment from a PayPal Account holder in another country, you should review the relevant PayPal Buyer Protection Policies accessible via the "Legal" or "Legal Agreements" footer on most PayPal site pages).Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back). You will not receive a refund of your PayPal fees. PayPal Seller protection may cover your liability—see Section 11 (Protection for Sellers) below.
If a buyer files a Significantly Not as Described (SNAD) Claim for an item they purchased from you, you will generally be required to accept the item back and refund the buyer the full purchase price plus original shipping costs. You will not receive a refund of your PayPal fees. Further, if you lose a SNAD Claim because we, in our sole discretion, reasonably believe the item you sold is counterfeit, you will be required to provide a full refund to the buyer and you will not receive the item back (it will be destroyed). PayPal Seller protection will not cover your liability.
- Section 11.1
PayPal's Seller Protection and Buyer Protection policies may vary from country to country. If you as a seller, sell an item to a buyer from another country, you will be subject to Buyer and Seller Protection policies applicable to your buyer's country. We are revising section 11.1 to reflect this.
The revised section 11.1 reads as follows:
11.1 PayPal Seller Protection.
PayPal Seller protection is protection we provide Sellers from Claims, Chargebacks, or Reversals that are based on:- Unauthorized Transaction or
- Item Not Received
PayPal Seller protection is available for eligible payments from buyers in any country. However, if you sell or market to buyers outside Canada, please read the PayPal Buyer Protection policy and PayPal Seller Protection policy of the countries in which you are selling (accessible via the "Legal" or "Legal Agreements" footer on most PayPal site pages) as these policies will apply to you as a Payment Recipient or seller.
- Section 13.3
We're extending buyer protection for all buyers to include Item Not Received claims for custom made products. In Section 13.3 we have updated the exclusion clarifying that only Significantly Not As Described Claims for Custom-Made items are ineligible for Buyer Protection. "Significantly Not As Described Issues for Custom Made Items."
The revised Section 13.3 reads as follows:
13.3 Ineligible Items. PayPal Purchase Protection only applies to PayPal payments for certain tangible, physical goods. Payments for the following are not eligible for reimbursement under PayPal Purchase Protection:
- Intangible items, including Digital Goods
- Services
- Real estate, including residential property
- Businesses
- Vehicles, including motor vehicles, motorcycles, caravans, aircraft and boats
- Significantly Not As Described issues for Custom-made items
- Travel tickets, including airline flight tickets
- Items prohibited by the PayPal Acceptable Use Policy
- Items which you collect in person or arrange to be collected on your behalf, including items bought through In-Store Checkout at the retail point of sale
- Items that violate eBay's Prohibited or Restricted Items Policy
- Industrial machinery used in manufacturing
- Items equivalent to cash, including prepaid or gift cards
- PayPal Direct Payments
- Virtual Terminal Payments
- Personal Payments
Even if your payment is not eligible for PayPal Purchase Protection, you can file a Dispute and try to resolve the issue directly with the Seller; however, PayPal will generally not find in your favor if you escalate a Dispute to a Claim for an item which is not eligible for PayPal Purchase Protection.
Effective Date: October 8, 2014
Increase of the Chargeback Fee in Canada
Beginning October 8, 2014 the Chargeback Fee shall be increased as detailed below.
The Chargeback Fee table listed in Section 8.8 of the User Agreement and in Section 2 (e) of the PayPal Website Payments Pro and Virtual Terminal Agreement shall be amended to read as follows:
Currency | Chargeback Fee |
Australian Dollar: | $22.00 AUD |
Brazilian Real: | 35.00 BRL |
Canadian Dollar: | $20.00 CAD |
Czech Koruna: | 400.00 CZK |
Danish Krone: | 120.00 DKK |
Euro: | €16.00 EUR |
Hong Kong Dollar: | $155.00 HKD |
Hungarian Forint: | 4325.00 HUF |
Israeli Shekel: | 75.00 ILS |
Japanese Yen: | ¥1875.00 JPY |
Mexican Peso: | $250.00 MXN |
New Zealand Dollar: | $28.00 NZD |
Norwegian Krone: | 125.00 NOK |
Philippine Peso | 900.00 PHP |
Polish Zlotych: | 65.00 PLN |
Russian Ruble: | 640 RUB |
Singapore Dollar: | $28.00 SGD |
Swedish Krona: | 150.00 SEK |
Swiss Franc: | 22.00 CHF |
Taiwan New Dollar: | 625.00 TWD |
Thai Baht: | 650.00 THB |
U.K. Pounds Sterling: | £14.00 GBP |
U.S. Dollar: | $20.00 USD |
Amendment to the PayPal User Agreement and Privacy Policy
Effective Date: May 15, 2014
- Amendment to the PayPal User Agreement
Section 11 of the User Agreement currently requires that sellers obtain signature confirmation for transactions of $325 CAD in order for a transaction to be eligible for Seller protection for an Item Not Received Claim. That Section also currently includes a table for the corresponding foreign equivalency amount. This section will be changed to increase the dollar amount required for signature confirmation from $325 CAD to $850 CAD, and the foreign equivalency amounts are also being increased.
The revised Section 11.4 reads as follows:
11.4 Proof of Shipment, Proof of Delivery and Signature Confirmation Requirements.
"Proof of Shipment" is online or physical documentation from a shipping company that includes all of the following:
- The date the item is shipped.
- The recipient's address matches the shipping address on the Transaction Details Page.
- The recipient's address, showing at least the city & province, or city & country or postal code (or international equivalent).
"Proof of Delivery" is online documentation from a shipping company that includes all of the following:
- The date the item is delivered.
- The item's status as delivered.
- The recipient's address matches the shipping address on the Transaction Details Page.
- The recipient's address, showing at least the city & province, or city & country or postal code (or international equivalent).
- Signature Confirmation as described below if the full amount of the payment, including shipping and taxes, is $850 CAD, or its foreign currency equivalent provided below:
850 Australian Dollar (AUD)
4,600 Norwegian Krone (NOK)
1750 Brazilian Real (BRL)
34,000 Philippine Peso (PHP)
15,000 Czech Republic Koruna (CZK)
2,300 Polish New Zloty (PLN)
4,100 Danish Krone (DKK)
450 Pound Sterling – United Kingdom (GBP)
550 Euro (EUR)
950 Singaporean Dollar (SGD)
6,000 Hong Kong Dollar (HKD)
4,950 Swedish Krona (SEK)
170,000 Hungarian Forint (HUF)
700 Swiss Franc (CHF)
2,7000 Israeli Shekel (ILS)
23,000 Taiwan New Dollar (TWD)
77,000 Japanese Yen (JPY)
24,500 Thai Baht (THB)
10,00 Mexican New Peso (MXN)
750 United States Dollar (USD)
950 New Zealand Dollar (NZD)
"Signature Confirmation" is online documentation that can be viewed at the shipping company's website and indicates that the item was signed for on delivery.
Section 13.5 of the User Agreement currently requires a Buyer to obtain signature confirmation of return delivery for transactions that total $325 CAD or more in order for the transaction to be eligible for PayPal Purchase Protection for a Significantly Not As Described Claim. This section will be amended to increase this dollar threshold from $325 CAD to $850 CAD.
The revised Section 13.5 reads as follows:
13.5 Dispute Resolution. If you are unable to resolve a problem directly with a Seller, you can go to the Resolution Centre and follow this process:
- Open a Dispute. Open a Dispute within 45 Days of the date you made the payment for the item you would like to dispute to negotiate with the Seller for resolution of the Dispute. We will place a hold on all funds related to the transaction in the Seller's Account until the Dispute is resolved or closed.
- Escalate the Dispute to a Claim. If you and the Seller are unable to come to an agreement, you can escalate the Dispute to a Claim within 20 Days after opening the Dispute.
You must wait at least 7 Days from the date of payment to escalate a Dispute for an Item Not Received (INR), unless the Dispute is for the equivalent of $2,500 U.S. Dollars or more (or currency equivalent). If you do not escalate the Dispute to a Claim within 20 Days, PayPal will close the Dispute. - Respond to PayPal's requests for information in a timely manner. During the Claim process, PayPal may require you to provide documentation to support your position. You may be asked to provide receipts, third party evaluations, police reports, or anything else that PayPal specifies.
- Comply with PayPal's shipping requests in a timely manner. For Significantly Not as Described (SNAD) Claims, PayPal may require you, at your expense, to ship the item back to the Seller, or to PayPal, or to a third party and to provide proof of delivery.
For transactions that total less than $850 CAD, proof of delivery is confirmation that can be viewed online and includes the delivery address, delivery date, and the URL to the shipping company's web site if you've selected "Other" in the shipping drop down menu. For transactions that total $1,000 CAD or more, you must get signature confirmation of delivery. - Claim Resolution Process. Once a Dispute has been escalated to a Claim, PayPal will make a final decision in favor of the buyer or the Seller. You may be asked to provide receipts, third party evaluations, police reports, or anything else that PayPal specifies. PayPal retains full discretion to make a final decision in favor of the buyer or the Seller based on any criteria PayPal deems appropriate. In the event that PayPal makes a final decision in favor of the buyer or Seller, each party must comply with PayPal's decision. PayPal will generally require the buyer to ship an item that the buyer claims is SNAD back to the Seller (at the buyer's expense), and PayPal will generally require a Seller to accept the item back and refund the buyer the full purchase price plus original shipping costs. In the event a Seller loses a Claim, the Seller will not receive a refund on his or her PayPal or eBay fees associated with the transaction. If you file a SNAD Claim because the item you bought is counterfeit, we may request that you destroy the item.
We are adding new Sections 15.5 and 15.6 to the User Agreement in order to include a license grant from Users to PayPal with respect to certain User generated content. In the new Section 15.5, when you give PayPal content, such as images or text, PayPal can use that content in various ways and exercise other of your rights related to it. Section 15.5 also provides that you guarantee that the material does not infringe the intellectual property or publicity rights of others. New Section 15.6 limits Section 15.5 by restricting our right under the User Agreement to use merchants' trademarks to particular circumstances.
The new Sections 15.5 and 15.6 read as follows:
15.5 License Grant from You to PayPal; IP Warranties. Subject to section 15.6, when providing PayPal with content or posting content using PayPal Services, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, transferable, and sublicensable (through multiple tiers) right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against PayPal, its sublicensees or its assignees. You represent and warrant that none of the following infringe any intellectual property or publicity right: your provision of content to PayPal, your posting of content using the PayPal Services, and PayPal's use of such content (including of works derived from it) in connection with the PayPal Services."
15.6 License Grant from Merchants to PayPal. Section 15.5 notwithstanding, if you are a Merchant using PayPal Merchant services, you hereby grant us a worldwide, non-exclusive, transferable, sublicensable (through multiple tiers), and royalty-free right to use and display publicly, during the term of this Agreement, your trademark(s) (including but not limited to registered and unregistered trademarks, trade names, service marks, logos, domain names and other designations owned, licensed to or used by you) for the purpose of (1) identifying you as a merchant that accepts a PayPal service as a payment form, and (2) any other use to which you specifically consent.
- Amendment to the PayPal Privacy Policy
Effective Date: May 15, 2014
This notification advises you that PayPal is changing its Privacy Policy. The update to the Privacy Policy is effective May 15, 2014 and contains several changes including changes to provide greater transparency into our privacy practices, and to better reflect the way PayPal collects, uses, stores, and processes your personal information. The updated policy also provides additional information about our use of Cookies and similar tracking technologies and our handling of Do Not Track signals. A summary of material changes is provided below along with the updated Privacy Policy. We encourage you to review the Policy Update to familiarize yourself with all of the changes that have been made.
Collection of Personal Information | The title of this section has been changed from "How we collect information about you." Sub-titles have been added for an easier read and flow. Additionally, a sub-section on "Mobile Privacy" has been added to discuss our use, collection, and processing of the personal data obtained via our mobile applications. |
How We Use Cookies and Similar Technologies | This section has been updated to provide more insight into our use of Cookies and other tracking technologies, our tracking for fraud detection purposes, and our handling of Do Not Track signals. We also provide a link to our full Cookies policy, which is applicable to all members of the eBay Inc. Corporate family. |
Using Log In with PayPal | The title of this section has been changed from "Using PayPal Access." Log In with PayPal (formerly PayPal Access) is a safe, secure, and easy way to allow customers to log in to a merchant's website using a PayPal account. After customers consent to sharing non-financial account attributes, merchants can use this information to create a new account for the customer on the merchant's website and to expedite the checkout process. |
Scope and Consent | The title of this section has been added. The comments in this section were previously discussed under the section entitled "Your Rights." This section discusses notice and consent. Additional language has also been added from the previous version to notify you that after the 30-day notice period has ended, you will be considered as having expressly consented to all amendments to this policy. |
- Privacy Policy
Your Privacy Rights
This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the PayPal website and all related sites, applications, services and tools regardless of how you access or use them. More detailed information about our privacy practices, along with our contact information, is available at theeBay Privacy Center.
The PayPal website is a licensee of the TRUSTe Web Privacy Program. If this policy or our customer support team cannot answer your privacy-related questions, please use the TRUSTe Watchdog Dispute Resolution Process.
Jump to section:
- Scope and Consent
- Binding Corporate Rules
- Collection of Personal Information
- How We Use the Personal Information We Collect
- Marketing
- How We Use Cookies and Similar Technologies
- How We Protect and Store Personal Information
- How We Share Personal Information with Other PayPal Users
- How We Share Personal Information with Other Third Parties
- Using Log In with PayPal
- How You Can Access or Change Your Personal Information
- How You Can Contact Us about Privacy Questions
Scope and Consent
You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively "PayPal Services"). We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the "Policy Updates" page of our website. After this 30-day notice period, you will be considered as having expressly consented to all amendments to this policy.
In addition to the privacy practices set out in this Privacy Policy, our parent company eBay Inc. has established a set of Corporate Rules (also referred to as Binding Corporate Rules), approved by a number of European Union privacy regulators. These Corporate Rules are a commitment by eBay Inc. to protect your personal information regardless of where the data resides. Depending upon where you live, the Binding Corporate Rules may provide additional privacy rights through your local privacy regulator or government. For more information about our Binding Corporate Rules, including information on how to contact us with any questions, visit our eBay Privacy Center.
Collection of Personal Information
We collect the following types of personal information in order to provide you with the use of and access to our sites, applications, services and tools, and to help us personalize and improve your experience:
Information we collect automatically: When you visit the PayPal website or use PayPal Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes but is not limited to the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information. We also collect anonymous information through our use of cookies and web beacons (visit How we use Cookies and Similar Technologies for more information).
Information you provide to us: We may collect and store any information you enter on the PayPal website or you provide to us in context of using our site, applications, services, or tools.
When you visit the PayPal website or use PayPal Services, we also collect information about your transactions and your activities. In addition, if you open a PayPal account or use PayPal Services, we may collect the following types of information:
- Contact information, such as your name, address, phone, email and other similar information.
- Financial information, such as the full bank account numbers and/or credit card numbers that you link to your PayPal account or give us when you use PayPal Services.
- Detailed personal information such as your date of birth or national ID number.
We may also collect information from or about you in other ways, such as through your contact with our customer support team, your results when you respond to a survey, and your interactions with members of the eBay Inc. corporate family or other companies.
Additionally, for quality and training purposes or for its own protection, PayPal may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with PayPal, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.
Information from other sources: We may also obtain information about you from third parties such as credit bureaus and identity verification services.
You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your PayPal account and authorizing PayPal to have access to this information, you agree that PayPal may collect, store and use this information in accordance with this Privacy Policy.
Authentication and Fraud Detection: In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with our website or PayPal Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.
Mobile Privacy: We may offer you the ability to connect with our sites, or use of our applications, services, and tools using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices. This Privacy Policy will be referenced by all such mobile applications or mobile optimized websites.
When you download or use our Mobile Applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device's setting's menu. If you have questions about how to disable your device's location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.
How We Use the Personal Information We Collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:
- provide PayPal Services and customer support;
- process transactions and send notices about your transactions;
- resolve disputes, collect fees, and troubleshoot problems;
- prevent potentially prohibited or illegal activities, and enforce our User Agreement;
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Amendment to the PayPal User Agreement
Effective Date: October 10, 2013
- Amendment to the PayPal User Agreement
- Currency Conversion Fees. Section 8.8 (Fees) is being amended to reflect the following changes to the Currency Conversion Fee based on your activity.
Currency Conversion Fee
Converting Balance within your Account and not as part of a sending or withdrawal transaction
2.5% added to the exchange rate
Withdrawing Balance to your bank account and a currency conversion is required
2.5% added to the exchange rate
Any other transaction requiring a currency conversion to Canadian or U.S. Dollars
2.75% added to the exchange rate
Any other transaction requiring a currency conversion to a currency other than Canadian or U.S. Dollars
3.5% added to the exchange rate
- Currency Conversion Fees. Section 8.8 (Fees) is being amended to reflect the following changes to the Currency Conversion Fee based on your activity.
There are no changes to the Currency Conversion Fees for converting U.S. Dollar Balance to Canadian Dollar Balance before withdrawal for merchants who qualify for the Merchant rates set out in Section 8.8.
- Restricted Activities. Section 9.1 is being amended to enumerate the following Restricted Activity: Allowing your use of the PayPal Services to present to PayPal a risk of non-compliance with PayPal's anti-money laundering, counter terrorist financing and similar regulatory obligations (including, without limitation, where we cannot verify your identity or you fail to complete the steps to lift your sending, receiving or withdrawal limit in accordance with Sections 3.1, 4.2 and 6.2.).
- No Double Recovery. Under Section 13.8, you may not file a Dispute/Claim or receive recovery for a purchase under PayPal Purchase Protection if you have already received a recovery for that purchase directly from eBay or the Seller. Section 13.8 is being amended to add that you are also not able to file a Dispute/Claim or receive recovery under PayPal Purchase Protection if you have already received a recovery from another third party, or if you have already filed a case for that purchase with eBay, the seller, or another third party.
- Exclusions. A new Section 13.9 is being added which states that if we reasonably determine, having considered all the relevant circumstances, that you have made an excessive or unreasonable number of claims, Reversals or Chargebacks, we may exclude you from the PayPal Purchase Protection policy and deny all open and future claims, or take any other actions pursuant to this Agreement. We will notify you if you are excluded.
Amendment to the PayPal Website Payments Pro and Virtual Terminal Agreement
Effective Date: October 22, 2013
- Amendment to the PayPal Website Payments Pro and Virtual Terminal Agreement
- Fees. Section 2(d) (Additional Fees) is being amended to include a new fee for card verification transactions. This section will now include the following fee:
Card Verification Transactions**
For all Direct Payment or Virtual Terminal card authorization verification transactions
$0.30 per card verification request
- Fees. Section 2(d) (Additional Fees) is being amended to include a new fee for card verification transactions. This section will now include the following fee:


text:
Platts: Asia Spot LNG Prices for July Delivery Fell 0.6% on Scarce Demand
On a Year-Over-Year Basis, July Prices Were Down 19.5% Versus 2012
Jun 18, 2013, 06:07 ET from Platts
SINGAPORE, June 18, 2013 /PRNewswire/ -- Prices of liquefied natural gas (LNG) for July delivery to Asia fell 0.6% to $14.485 per million British thermal units (/MMBtu), as spot demand remained scarce even as the region entered summer peak demand season, according to the latest monthly report on Platts Japan/Korea Marker (JKM) for month-ahead delivery. The monthly average of Platts JKM for delivery in July was assessed over the period of May 16 to June 14.
This decline followed a 5.8% drop in prices for June delivery and marked the fourth consecutive month-over-month drop in spot LNG prices. Spot demand showed little signs of recovering, as higher-than-average May temperatures in Japan and South Korea failed to draw buyers back to the market. Ample stockpiles and increased reliance on inventory from long-term contracts covered requirements and continued to suppress spot demand.
"As North Asia entered the summer strong-demand season, tightness of supply due to the closure of Norway's Hammerfest LNG and a force majeure on gas supplies feeding into Nigeria's Bonny terminal did little to buoy prices and buyers remained bearish on spot cargo prices," said Sarah Cottle, global editorial director, power, for Platts, a leading global energy, petrochemicals and metals information provider and a premier source of benchmark price references. "Also, despite the warmer-than-average temperatures in Japan and Korea, buyers in those regions remained confident that pre-existing long-term supply contracts would cover the bulk of their summer requirements."
On a year-over-year basis, the July Platts JKM was down 19.5% from the 2012 July-delivery level of $18.000/MMBtu.
The month-ahead spot prices were mixed for thermal coal and fuel oil, which Asian utilities can use as substitutes for LNG. Thermal coal prices dropped 0.1%, while fuel oil rose 0.5%, respectively, according the Platts' latest month-over-month data for July.
Platts Spot JKM and Substitute Fuel Prices (Monthly Averages)* | |||||
July-13 |
July-12 |
June-13 |
Year-Over-Year |
Month-Over-Month | |
JKM ($/MMBtu) |
14.485 |
18.000 |
14.565 |
-19.5 |
-0.6 |
Qinhuangdao coal ($/MMBtu) |
4.03 |
5.18 |
4.04 |
-22.1 |
-0.1 |
180 CST fuel oil ($/MMBtu) |
15.73 |
16.17 |
15.65 |
-2.7 |
0.5 |
Source: Platts *Referred to as month-ahead, the figures in the table are monthly averages of daily values assessed by Platts from |
The Platts JKM is an assessment of LNG prices for spot cargoes delivered to Japan and South Korea, based on the most recent trades and/or bids and offers from buyers and sellers in the open market prevailing at the close of the trading day. The monthly JKM assessments are month-ahead delivered prices and are an average of the daily JKM price assessments reported by Platts.
For more information on natural gas or the methodology used by Platts in its power assessment processes, visit the Platts website www.platts.com.
Platts' monthly reports on Asia LNG prices and market developments are typically published shortly after the 15th of each month.
About Platts: Founded in 1909, Platts is a leading global provider of energy, petrochemicals, metals and agriculture information and a premier source of benchmark prices for the physical and futures markets. Platts' news, pricing, analytics, commentary and conferences help customers make better-informed trading and business decisions and help the markets operate with greater transparency and efficiency. Customers in more than 150 countries benefit from Platts' coverage of the biofuels, carbon emissions, coal, electricity, oil, natural gas, nuclear power, metals, petrochemical, shipping and sugar markets. A division of The McGraw-Hill Companies (NYSE: MHFI), Platts is headquartered in New York with approximately 900 employees in more than 15 offices worldwide. Additional information is available at http://www.platts.com.
About The McGraw-Hill Companies: McGraw Hill Financial (NYSE: MHFI), a financial intelligence company, is a leader in credit ratings, benchmarks and analytics for the global capital and commodity markets. Iconic brands include: Standard & Poor's Ratings Services, S&P Capital IQ, S&P Dow Jones Indices, Platts, CRISIL, J.D. Power & Associates, McGraw Hill Construction and Aviation Week. The Company has approximately 17,000 employees in 27 countries. Additional information is available at www.mhfi.com.
SOURCE Platts


text:
Breath of the Soul
Collections are a JPG+ feature. You must be a JPG+ member to create new collections and to add photos to collections.
Sign up for JPG+ to start using collections now!
Photo license: © All rights reserved
This is an antique Buddha Incense statue from the 1840's that a fantastic family gave me as a "thank you gift" back in the mid 1990's. The family and I were brought together by chance – they were picked to be the subject of a network cable television show I was shooting. During the three-day production, filmed at their home in Elkhart Indiana, we all got quite close.
The family's husband was a psychiatrist; his wife was the stay-at-home mother of two very cool, adopted children. The kids were so well mannered and behaved that you'd think they were from the 1800's as well!
When it came time to part ways, the family presented me with the Buddha as a gift of friendship and because we shared similar "what life is REALLY about†philosophies.
In today's world, it's cool and at the same time, hard to imagine what it must have looked like back then (before the Civil War) – this statue in someone's house blowing incense, just like it does today. So MANY things have changed since then yet the statue remains the same.
This picture was taken with my Nikon D-3 using a 60mm Nikkor micro lens on a "set" I created in my one-car Washington DC garage. Buddha sits on a platform built on two sawhorses upon which was set an old steamer trunk, covered with matte black fabric. (I wanted to get the platform up to hip-level so it'd be easier to shoot and light.) After hanging some limbo-black background fabric on the closed garage door, I sparked up some incense in the Buddha to get him to "breathe." The smoke and the statue was lit with two, AA battery penlight flashlights, the one to picture-left left was "key" and illuminated the smoke, while the flashlight on picture right provided "fill."
All I had to do was be patient and shoot enough frames until I got the "best breath."
The result...? Buddha is blowing his good karma back to you, and to that special family I met a little over ten years ago...
17 responses
Jessica Martinez gave props (29 Jul 2008):
Very well executed.
Gail Anderson gave props (29 Sep 2008):
this is a wonderful photo! the smoke coming from it just stopped me dead in my tracks. this is so well lit. smoke is highlighted and the Buddah as well.
:) L P gave props (8 Nov 2008):
this is cool!
Maurie A gave props (3 Dec 2008):
Amazing shot, Rob....... Congrats on the publication!!!
Jennifer Benmouna gave props (11 Jan 2009):
I saw this in the first issue I received. Amazing!
Reza Fitrianto said (27 Jun 2009):
great shot !!
i'm very like this shoot !!
congratulations .. -
david ong gave props (25 Jul 2009):
a masterpiece!!
Mary Brown gave props (5 Aug 2009):
What an amazing shot. Thanks for explaining how you used the black cloth in the background and used two flashlights for lighting!
Kevin Kabuki gave props (21 Aug 2009):
Excellent shot, we have quite a few not-so-picturesque Buddhas about the house, a couple of Avolokitesvhara, and tons of incense burning gear. We burn incense maybe once a month, go figure. Buddhism, on the other hand, we try, which is all you can do, no?
El Hamidi said (26 Sep 2009):
The story adds the charm! thank you for sharing
Jordan Mansour gave props (22 Oct 2009):
Great story and shot!
Katie Damien gave props (23 Nov 2009):
This is a great shot born from a creative thinker. Nice.
Robert Case said (24 Nov 2009):
WOW - thanks folks for your comments! Glad you liked the shot!!!!
Roxana Brivent-Barnes said (3 Aug 2010):
Wonderful, and creative shot... Love it!
George Campos Jr. gave props (5 Jul 2011):
Awesome shot
Kayla Goldstein gave props (12 Dec 2011):
Astonishing shot, you do great work
Denise Regan gave props (16 Mar 2014):
Excellent capture.


text:
Average rating
See on mapBarry
St Nicholas Hall, Barry
St Nicholas Road, Barry, CF62 6QX
07850 741136
£5 per lesson
2-May-16 to 2-May-21
Sat, 9.15 am-10.15 am
3 years to 5 years
Times and prices are subject to change. Contact venue before setting out.
Nicola Peros Ballet was founded by RAD Registered Teacher, Nicola Peros and is a successful, independent ballet school holding classes in both Barry and Cardiff for children and adults. With an emphasis on providing quality training that adheres to the Royal Academy of Dance Syllabus, (Pre-Primary, Primary, Grades 1-8 up to Intermediate and Advanced Levels) the school also provides an enjoyable and safe environment in which to study ballet. Excellent teacher and excellent results in ballet examinations. Classes for adults also. See website for full class listings.


text: 2010 Mercedes E500 Coupe: New Coupe, New NameBen Wojdyla1/22/09 10:00amFiled to: Spy Photos2010 Mercedes E500 Coupe2010 Mercedes Benz E500 Coupe2010 Mercedes E-Class Coupe2010 Mercedes Benz E-Class Coupe2010 mercedes benz e5002010 Mercedes E50010 Mercedes Benz E500E500 Coupemercedes coupeMercedesbenzMercedes Benz Coupemercedes benzE500Top591EditPromoteShare to KinjaToggle Conversation toolsGo to permalink The 2010 Mercedes Benz E500 Coupe finally gets a name to replace "Mercedes Benz E-Class Coupe" since now we get a good look at the new car thanks to eagle-eyed reader SuperCarnitas. We're at the point of saturation on seeing the lightly camouflaged E500 Coupe all over the place, and the only really notable thing about these images, aside from revealing the name, is the blue Tesla Roadster in the background. These pictures are like spotting a Yeti in the background of pictures of the Lock Ness monster, talk about coincidence.Reply59 repliesLeave a reply


text:
I like how in #10., "by tomorrow" is on its own line.I propose #11 (yes, it can go to 11): Don't base the success of your entire career on what others think about your art.
I propose #12: Take yourself very, very seriously.
I wanna be a miserable artist too! i'm gonna try no. 2 right away!!!thanx for the laughs...
Always love to hear from you...and the anonymous option is open for those feeling shy.


text:
Casual Dining
Sometimes you don't want to get all dressed up. Hey, you're on vacation! Show your friends or family how easy it is to forage for great eats in great locations with casual dining, no jacket required.
Sort By:
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Tomasso Trattoria e Enoteca
Upscale Italian restaurant serving a traditional Italian menu produced from local and sustainable sources. more
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text:
Dear Council President,
Thanks for setting up the post agenda to listen to the visitors from Bangladesh. Wow. This will be a fun challenge and could be a magical moment for us in Pittsburgh and for many around the world in a human rights battle.
Thanks again.
Mark Rauterkus
Sent on the Sprint® Now Network from my BlackBerry®
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From Wikipedia, the free encyclopedia
Look up Blockbuster, blockbuster, blockbusters, or block buster in Wiktionary, the free dictionary. |
Blockbuster may refer to:
TV and entertainment[edit]
- Blockbuster (entertainment), any very successful movie, theatrical play, etc.
- Blockbuster LLC, a video and game rental chain
- Blockbusters (U.S. game show), an American game show which had two separate runs in the 1980s
- Blockbusters (UK game show), a British television game show based upon the American game show of the same name
- Blockbusters (Australian game show), an Australian children's game show
- Blockbuster, a wrestling move also known as a flying neckbreaker
- Block Buster (Microvision), a 1979 Microvision video game
- "Block Buster", an episode of the sitcom The King of Queens
- Blockbuster (DC Comics), the name of four DC Comics characters
- Blockbuster (Man-Brute), a Marvel Comics character introduced in 1970
- Blockbuster (Marauder), a Marvel Comics character introduced in 1986
- Blockbuster bomb, a series of WWII-era air dropped bombs large enough to demolish a city block
- "Operation Blockbuster", a Anglo-Canadian military operation in the Netherlands during World War II
- Blockbuster (album), the first studio album by Korean boy band Block B.
- "Block Buster!", a 1973 song by The Sweet
- Werner's Last Blues to Blockbuster, a song by Palace
- Blockbuster (book), by Tom Shone
- a blockbuster drug, a drug generating more than $1 billion of revenue for its owner each year
- the blockbuster mentality, the pressure faced by the small number of conglomerates who run much of the movie industry to create formulaic productions with a high budget
- a block buster, a splitting maul, a type of axe
See also[edit]
This disambiguation page lists articles associated with the title Blockbuster. If an internal link led you here, you may wish to change the link to point directly to the intended article. |