Fastlane by PayPal Terms and Conditions

Last updated: September 1, 2025

These Terms and Conditions (“Terms”) form a binding legal agreement between you and PayPal Canada Co.(“us”, “our”, “we”, or “PayPal”), the provider of the Fastlane by PayPal service (the “Service” or “Fastlane”).

Your use of Fastlane is also subject to our Privacy Statement, which is incorporated into these Terms by reference. Please review our Privacy Statement in order to better understand how we collect, use, and disclose your information.

Please note: Fastlane is intended to make online checkout easier by pre-populating a participating merchant’s checkout flow with payment card, contact information, and shipping data you save in your Fastlane profile. When using Fastlane, please keep in mind:

• Any transactions will be completed using the payment card information retrieved from your Fastlane profile. These transactions will be reflected in statements or other materials you receive from your payment card issuer and any disputes or issues you have with your transaction should be addressed directly with the merchant and/or your card issuer.

• Your Fastlane profile is not a PayPal account and transactions completed using payment card information retrieved from your Fastlane profile are not eligible for PayPal account benefits, including, without limitation, purchase protection and PayPal rewards. If you have a PayPal account and wish to access these benefits, you should use your PayPal account to complete the transaction.

Language of these Terms

SI VOUS RÉSIDEZ DANS LA PROVINCE DE QUÉBEC: La présente convention est disponible en français et en anglais. La version française est accessible ici. Vous confirmez par la présente que vous avez expressément demandé que la présente convention et tous les documents y étant afférents soient rédigés en anglais, que vous avez reçu une version française de la présente convention et que vous avez accepté d'être lié par la version anglaise de la présente convention. IF YOU RESIDE IN THE PROVINCE OF QUEBEC: These Terms are available in both French and English language versions. The French version can be accessed here. You hereby confirm that you have expressly requested that these Terms and all related documents be drafted in English, that you have been provided with a French language version of these Terms and that you have agreed to be bound by the English language version of these Terms.

SI VOUS NE RÉSIDEZ PAS DANS LA PROVINCE DE QUÉBEC Les parties ont exprimé la volonté expresse que la présente convention et tous les documents y étant afférents soient rédigés en anglais. Toute traduction de la présente convention est uniquement fournie pour votre commodité et ne vise pas à modifier les modalités de la présente convention. En cas de conflit entre la version en anglais de cette convention et une version dans une langue autre que l’anglais, la version en anglais prévaudra. IF YOU DO NOT RESIDE IN THE PROVINCE OF QUEBEC: It is the express wish of the parties that these Terms and any directly or indirectly related documents be drawn up in English. Any translation of this agreement is provided solely for your convenience and is not intended to modify these Terms. In the event of a conflict between the English version of this agreement and a version in a language other than English, the English version shall control.

Eligibility

Fastlane may only be used for personal, family or household purposes. You must be a resident of Canada, be age of majority in your province or territory of residence and have full legal capacity to enter into a contract to use the Service. You may not use Fastlane if you have been terminated or suspended from using any of PayPal’s services for any reason, or if your use of Fastlane would otherwise violate applicable law.

Creating a Fastlane Profile

When you create a Fastlane profile, we will store certain information you’ve provided, such as your name, billing and shipping addresses, mobile phone number, email address and payment card information (“Fastlane Data”). Storing Fastlane Data in a Fastlane profile allows PayPal to access that information, at your direction, and provide it to participating Fastlane merchants and their processors to expedite the checkout process and complete purchases. You must only store information that you are authorised to provide and use.

By creating a Fastlane profile, you are authorising and directing each participating merchant to share your email address and/or mobile phone number with us after you have initiated a transaction with the merchant so that we can identify whether you have a Fastlane profile and confirm whether you would like us to access your Fastlane Data to pre-populate your checkout information. If we identify you as having a Fastlane profile, we will authenticate you by sending a one-time code via SMS text message to the mobile phone number associated with your Fastlane profile and ask you to send the code back to us. If you respond and we are able to authenticate you, your Fastlane Data will be retrieved and pre-populated in the merchant’s checkout flow for a faster checkout. If you change the Fastlane Data at checkout (such as by providing a new billing address or payment card information), the updated information will be saved to your Fastlane profile. By creating a Fastlane profile, you authorise and direct us to use Fastlane Data as described in these Terms and our Privacy Statement.

Payment Card Information

You may only save debit cards or credit cards to your Fastlane profile. Any cards you save must be cards that you are authorised to use. Although you are responsible for keeping your payment card information up to date, we may update your card information using information and third-party sources available to us without any action on your part. If you do not want us to update your card information, you should close your Fastlane profile by following the steps outlined in the ‘Closing a Fastlane Profile’ section. Removing a card from your Fastlane profile or closing your profile does not cancel or change any obligations or amounts previously incurred or owed to participating merchants.

Purchases

When you use the information in your Fastlane profile during a merchant’s checkout process, you move through the checkout experience faster by using Fastlane to autofill your saved information into the merchant’s checkout process. Fastlane is not a payment processing or electronic funds transfer service. Instead, you authorise us to share your Fastlane profile information with the participating merchant each time you use Fastlane at checkout, and you authorise the merchant to charge the card information provided at your request. By using Fastlane at checkout, you represent that you have sufficient available funds or credit to pay for your transaction, including any applicable fees. Purchases made using information from your Fastlane profile are just like purchases you make when you type in the information yourself. For returns and refunds, or if you have any issue with a purchase, contact the merchant directly.

Closing a Fastlane Profile

You can close your Fastlane profile at any time by logging into your profile at fastlane.paypal.com, navigating to the profile settings section, selecting the ‘Close Profile’ option, and confirming your choice. Closing your Fastlane profile does not cancel or change any obligations or amounts previously incurred or owed to participating merchants.

Accurate Information and Profile Security

You agree that you are responsible for providing us with information that is accurate at the time you provide it. When you use the Service, we may use various methods to authenticate you, including by sending you an SMS text message with a special code and asking that you type in the code into the spaces provided by Fastlane to verify your ownership and control of the device from which you are attempting to access the Service. You agree to receive these SMS text messages from us for this purpose and acknowledge that carrier fees may apply.

Your Fastlane profile is associated with your mobile phone number and you will need your mobile phone to verify your identity each time you use the Service. You should not create a Fastlane profile using a phone that you share with others. We will never call you or contact you to ask for private information, such as the code we send you by SMS text message to authenticate you. If you become aware of any unauthorised use or access to your profile or your mobile phone number, or if your mobile phone is lost or stolen, please contact us immediately. If an unauthorised purchase has been made using the information contained in your profile, contact your card issuer immediately to report the unauthorised purchase.

You must ensure that the mobile phone number and/or email address associated with your Fastlane profile is valid and that you are able to receive texts at that number and email at that email address. You acknowledge that our ability to provide communications to you is contingent on the validity of the mobile phone number and email address associated with your Fastlane profile. If your mobile phone number or email address is no longer valid, we reserve the right to terminate your Fastlane profile. We reserve the right to provide you with any communication in writing, rather than electronically, to the primary address associated with your Fastlane profile.

Communications Between You and Us

By providing us with your mobile phone number and email address, you confirm that you are the sole user of that mobile phone number and email address. You consent to accept and receive communications from us to your email address and mobile phone number, including e-mail and SMS text messages. These communications may be sent for the purposes of identifying you, verifying your Fastlane profile, informing you of updates to the Service or Service-related activity, responding to support requests, and/or for other Service-related purposes. You also consent to receive a text message to your mobile phone number with a Fastlane login code each time you initiate checkout on a Fastlane merchant site and when you login to the Fastlane profile management portal.

Depending on your current telephone and/or internet service provider plan, you may incur charges for text, calls, e-mail, or other Service-related messages you receive from us. You agree you will not hold, nor participate in any action which seeks to hold, PayPal liable for any charges incurred. You acknowledge that any terms between you and any third-party provider (for example, Apple® or Android™) create no obligation or responsibility on the part of PayPal, and that PayPal is not responsible for any failure of warranty by any such third party. PayPal cannot control certain factors relating to message delivery. You acknowledge that, depending on your mobile telephone provider’s service, it may not be possible to transmit a text message to you successfully. We have no liability for transmission delays or message failures.

You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails or by updating your preferences in your Fastlane profile. Because the use of text messages is essential to use the Fastlane Service, if you wish to opt-out of receiving text messages, you must close your Fastlane profile by following the steps outlined in the ‘Closing a Fastlane Profile’ section, and cease use of the Service.

You agree that we may provide notice or other information to you by making the communication available through the Fastlane profile management portal (including the posting of information which is only accessed by you by logging into your account), emailing it to the email address listed in your account, mailing it to the primary street address listed in your account, calling you by phone, or sending you a “text” / SMS message. With the exception of amendments to these Terms, such notice shall be considered to be received by you within 24 hours of the time it is posted to the Fastlane portal or emailed to you. If the notice is sent by mail, we will consider it to have been received by you three business days after it is sent. We reserve the right to close your Fastlane profile if you withdraw your consent to receive electronic communications.

Prohibited Conduct

You must not use the Service in any manner that is contrary to these Terms or applicable law.

Intellectual Property

The Service is protected by trademark, copyright, patent and other laws of the United Kingdom, United States and other countries. All right, title and interest in and to the Service, including, without limitation, the Fastlane user experience, websites, any related content and technology, and all technology and content created or derived from any of the foregoing, is the exclusive property of PayPal and its licensors. We reserve all intellectual property rights, title, and interest in and to the Service. Your use of the Service is subject to these Terms, and these Terms do not grant you any rights to our intellectual property.

Feedback

If you submit feedback to us about the Service, including ideas or suggestions, you agree that we may use and share all feedback, ideas, and suggestions you submit for any purpose and without compensation to you.

Termination

We will use reasonable efforts to notify you of any termination of the Service. We may terminate the Service immediately if there are serious grounds for doing so (such as your breach of these Terms or non-compliance with applicable law). In addition, we may modify or limit your access to the Service at any time in our sole discretion. You may terminate your Fastlane profile at any time by following the steps outlined in the ‘Closing a Fastlane Profile’ section. Any part of these Terms that either expressly or impliedly are intended to come into or continue in force on or after termination of these Terms shall remain in full force and effect.

Amendments

We may amend these Terms from time to time. We will use reasonable efforts to notify you of material changes to these Terms in advance of their effectiveness. Any changes to the Terms will be accessible via the Fastlane profile management portal, and the Terms posted will indicate the last revision date. The revised Terms will take effect when posted or as otherwise expressly indicated. By continuing to use the Service after any changes to take effect, you will be deemed to have accepted the changes. If you do not agree to the proposed changes and do not wish to continue to use the Services under the revised terms, you have the option to close your Fastlane profile.

Disclaimer of Warranties and Release

The service is provided “as is” and without any representation or warranty, whether express, implied, or statutory. To the extent permitted by law, we specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement.

Service Limitations and Availability

We do not have any control over the products or services provided by merchants where you can use your Fastlane profile to facilitate checkout, and we cannot ensure that the merchant you are dealing with will complete the transaction or is authorised to do so. We do not guarantee continuous, uninterrupted, or secure access to any part of the Service, and operation of websites, software, or systems (including any networks and servers used to provide the Service) operated by us or on our behalf may be interfered with by numerous factors outside of our control.

Release of PayPal

You are responsible for any transactions you complete with information from your Fastlane profile. The merchant is responsible for provisioning the goods or services that you purchase. If you wish to make a return, receive a refund or exchange, or otherwise have an issue with a purchase, contact the merchant directly.

We are not responsible for the acts or omissions of merchants that participate in the Fastlane network or for the goods and services that they sell. You release us from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with the acts or omissions of merchants that are part of the Fastlane network or for the goods and services that they sell. In entering into this release, you expressly waive any protections that would otherwise limit the coverage of this release to include only those claims which you may know or suspect to exist in your favour at the time of agreeing to this release.

Limitation of Liability

Our liability is limited with respect to your Fastlane profile and your use of the Service. In no event shall we be liable for lost profits or any special, incidental or consequential damages (including without limitation damages for loss of data or loss of business) arising out of or in connection with websites, software, systems (including any networks and servers used to provide the Service) operated by us or on our behalf, the Service, or these Terms (however arising, including negligence), unless and to the extent prohibited by law.

Our liability 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, we are not liable, and you agree not to hold us 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: (1) your use of, or your inability to use, (a) websites, software, systems (including any networks and servers used to provide any portion of the Service) operated by us or on our behalf, or (b) any portion of the Service; (2) delays or disruptions in (a) websites, software, systems (including any networks and servers used to provide any portion of the Service) operated by us or on our behalf, or (b) any portion of the Service; (3) viruses or other malicious software obtained by accessing (a) websites, software, systems (including any networks and servers used to provide any portion of the Service) operated by us or on our behalf, (b) any portion of the Service or (c) any website or service linked to our websites, software or any portion of the Service; (4) glitches, bugs, errors, or inaccuracies of any kind in (a) websites, software, systems (including any networks and servers used to provide any portion of the Service) operated by us or on our behalf, (b) any portion of the Service or (c) the data obtained from the foregoing; (5) the content, actions, or inactions of third parties; (6) a suspension, termination, or other action taken with respect to your Fastlane profile; or (7) your loss of access to, or inability to continue use of, the Service as a result of changes to these Terms.

Support and Complaints

If you need support, please contact us via fastlane.paypal.com/help/support. You can also contact us to report a complaint regarding the Fastlane service. If you have cause to complain about the Fastlane service, our goal is to learn about and address your concerns in a reasonable and prompt way.

Governing Law and Jurisdiction

These Terms will be governed by and interpreted in accordance with the laws of Ontario, and the laws of Canada, each as may be applicable. Except as otherwise agreed by the parties, you agree to irrevocably submit to the non­-exclusive jurisdiction of the courts of Ontario for the purpose of any suit, action or other proceeding arising out of these Terms or your use of our websites or the Services.

Assignment

You may not transfer or assign any rights or obligations you have under these Terms without our prior written consent. We may transfer or assign these Terms or any right or obligation under these Terms at any time, including from PayPal to a subsidiary or affiliate of PayPal Holdings, Inc. which is the ultimate parent company of PayPal.

Miscellaneous

These Terms, including any other terms and policies incorporated by reference, are the only agreement between you and us regarding the Service. These Terms do not alter in any way agreements between you and the issuer(s) or provider(s) of your financial instrument(s). These Terms do not alter any obligations you may have to a merchant from whom you have made a purchase. Nothing in these Terms shall be deemed to create a partnership, joint venture, or other agency or fiduciary duty between you and us. If a court determines that any part or provision of these Terms is unlawful or unenforceable, the remaining parts of these Terms shall still apply. Any waiver of our rights under these Terms must be in writing and signed by us. If we fail to immediately exercise any right we have under these Terms, we do not waive that right.