On your average day, how many website terms and conditions & privacy policies do you come across? As the Community Manager here at Hollis Interactive, I come across many. If you are wondering how many I read, the answer is probably 1 out of every 5; the others I skim. In an article I recently read, it was found that about 97% of websites have some set of terms and conditions or policies.
So have you read Paypal's terms? My guess is that you probably started reading it and then realized you might be there all day! Let's look at it from another view: what happens if you read it and don’t agree? Well, then you won’t be using Paypal or eBay again. These websites don't leave you much of a choice; you accept the terms or don’t use their site or service.
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