This user agreement will be effective for all users as of October 31, 2020.</p> Welcome to PayPal! <p>This user agreement is a contract between you and PayPal Pte. Ltd., a Singaporean company governing your use of your PayPal account and the PayPal services. If you are an individual, you must be a resident of one of the countries/regions listed on the <strong>PayPal Worldwide</strong> page and at least 18 years old, or the age of majority in your country/region of residence to open a PayPal account and use the PayPal services.