united-kingdom finance
Do I have any rights if PayPal permanently suspend my account?
<p>I recently had a message from PayPal telling me that my account has been permanently suspended due to 'unacceptable risk'.
I have only ever used it to make small payments to eBay and such, and I have a maximum credit score on Experian. So there must be some mistake. The 'permanently' language is pretty obnoxious. I logged into my account to check and this is legitimate and not phishing</p>
<p>What kind of rights do I have in this situation? Do I have a right to an explanation of what the 'unacceptable risk' is?
Do I have a right to know whether this decision was made by a human being or by an automated system? (It looks pretty much definitely automated to me)
Do I have a right to have a human being review the decision?
Do I have any other relevant rights that may be helpful for for me to know about before ringing Paypal to discuss this?</p>
<p>I live in the UK.</p>
<p>Edit;
o.m. pointed out in the comments that if I am with the EU subsidiary of PayPal then the situation may be different as PayPal is considered a bank in this jurisdiction. It looks like this is the case and I am registered with the EU version</p>

<p>Read the terms: <a href="https://www.paypal.com/uk/legalhub/useragreement-full#resolving" rel="nofollow noreferrer">https://www.paypal.com/uk/legalhub/useragreement-full#resolving</a></p>
<blockquote>
<p>These are the terms and conditions of the contract between you and
PayPal (Europe) S.à r.l. et Cie, S.C.A. (“PayPal”) governing your use
of your PayPal account and the PayPal services, which we call our user
agreement. It applies only to PayPal accounts of residents of the
United Kingdom (UK), Guernsey, Isle of Man and Jersey.</p>
</blockquote>
<p>PayPal is a private business; the terms you agreed to allow them to  suspend your account for any of the many listed reasons and stipulations in the terms. (As long as that reason is itself isn't illegal, such as discrimination against protected classes, breaking clear financial laws, etc.)</p>
<p>You may get some help from <a href="https://www.gov.uk/consumer-protection-rights" rel="nofollow noreferrer">https://www.gov.uk/consumer-protection-rights</a></p>
