hello guys and gals me moodahar and
today's video is about misinformation
and PayPal oh boy PayPal made a big
solid mistake enough to be all in the
entire world's eye for a little minute
now of course ladies and gentlemen is
somebody on this channel I've covered a
lot of scams uh things on the Deep Web
you know Creepypastas whatever I can
safely say that throughout my entire
YouTube career I have had to sit down
and demystify and be part of something
where I I've literally had to be a fact
checker on this channel numerous times
some of the most popular videos on this
channel have been about fact checking
and countering misinformation now
misinformation is everywhere in the
world and one thing that I want to start
off by saying is who defines
misinformation now let's not be obtuse
here okay when I think of things like
misinformation I think of obviously
statements that are not verified by fact
right statements that are objectively
false right for anybody to make any
claim on things regarding medicine
finances the world I think experts need
to be present a few experts experts that
can all sit together and then you
basically take the aggregate of all
their information and move on forward I
think a great example is talking about
things like the Flat Earth there's a
conspiracy in the world where people
believe that the Earth is flat obviously
we all know it's a [ __ ] joke right
hopefully I'm sure there's going to be
some people in the comments going hey
Buddha maybe maybe the Earth is flat now
there's a lot of information out in the
world that you yourself can look up
source and understand that the Earth is
not actually flat just believe whatever
they want to believe and I've been down
a path trying to convince people in my
life that certain things were wrong and
guess what at that point you just have
to learn to ignore it and move on with
your life because nobody commit no
amount of convincing is going to matter
but misinformation is information that
can easily be countered and should be
easily countered with actual provable
fact
now that we've gotten past the whole
Spiel and description of what
misinformation is let's get to PayPal
one of the actual headlines that I saw
was new PayPal policy let's company pull
2500 from users accounts if they promote
misinformation now misinformation that's
a that's a pretty that's a pretty strong
little point there can PayPal really
fine you two thousand five hundred
dollars it seems per offense of you
committing misinformation well how does
Paypal a service that is literally just
a payment process or not a social media
platform get to decide how they find you
now to understand obviously
misinformation again is a problem but
PayPal finding people on their own
decision really puts a question up to
are these Payment Processing Services
going above and beyond obviously you
know if we look into Payment Processing
Services there's not a whole lot of them
out in the world you've got PayPal
you've got venmo which I believe is even
owned by PayPal actually wait let me do
a quick fact check on that here right on
venmo's own website they're part of the
PayPal family hell even some of these
services are part of other services
they're just part of the same ones
you've got cash app you've got the
banking system you've got whatever and a
lot of these services do get to decide
on how certain people get to conduct
themselves on the Internet or in reality
sites like visa and MasterCard could
literally refuse service to the average
website and absolutely [ __ ] them
there was a controversy back in the days
regarding an adult website which uh
basically had their entire use
restricted by MasterCard and visa and it
almost spelled Doom and Gloom to their
entire platform again these examples
should make you think that there are
very few companies in the world that
control just the payment processing side
of the world that can absolutely control
how things are conducted on the internet
okay and of course when it comes to
legality and finances I think we all can
agree right that if it comes to like
drug lead drug bosses human traffickers
you know actual criminals real criminals
their money should be completely
rejected by Banks or PayPal or really
any payment processor and it is we do
not allow criminal entities to willingly
operate freely in banking systems but
again when it comes to the average user
okay now it seems like PayPal all right
does have some level of grip on the
person's conduct regarding their
services if you promote misinformation
as these headlines claim PayPal can fine
you two thousand five hundred dollars
which again it seems like this is per
instance now again I looked into it and
I decided hey in order to understand if
this is not misinformation let's do a
fact check ourselves now according to
these articles they link directly to
PayPal objects.com marketing slash UA
slash PDF so it literally is on PayPal's
own website now if you go to that link
right now you'll notice that that link
leads you to a blank PDF so PayPal
apparently did walk this back or they
actually claimed that this wasn't even
supposed to be a thing and it kind of
just got sent out in error which does
happen from time to time in a company
but since this is a blank PDF I wanted
to see if this was actually something
PayPal wanted to do so all I did was I
took this URL I copied it I went to our
friends over at the Wayback machine so
I'm going to do it right now in front of
you just to prove to you all right we
can do this all together let's go to the
Wayback machine Let's drop that URL
right in there and let's go check in the
history for it so right here let's go to
somewhere around October 6th and let's
click on this snapshot of that page now
this should show us an actual working
PDF so again we've got the same PDF URL
again if we take this this URL right
here and we drop it into a brand new I
guess you could say page a tab it'll be
a blank PDF but as of October 6th
Wayback machine captured this PDF right
here last updated on November 3rd 2022.
so again you can see that this wasn't
really supposed to come out this is a
post date you know a month from now and
of course we're reading it earlier so
again if we do Ctrl F here and we type
in misinformation right like so we'll
get sent to uh Point prohibited
activities right and in prohibited
activity is five this is where we're
going to read together so involving the
sending posting or publication of any
messages content or materials that in
PayPal sold discretion so again no other
Arbiter gets to decide what this
information is other than PayPal it
seems or harmful obscene harassing or
question objection objectionable B
depict or appear to depict nudity uh
which basically means if you're doing
rule 34 work on uh or you're
commissioning rule 34 art for people and
you use PayPal as your payment processor
you are actually violating their
guidelines and they can find you or
probably just remove you right from
their service again this really hurts
people that are in an entire sector that
you know makes a lot of money but
apparently the industry or the world
around you wants to demonize people for
making that kind of money see depict or
promote illegal drug use so I guess you
can't if
I guess this basically says you cannot
sell drugs and profit using PayPal as a
payment method right depict or promote
violence criminal activity cruel to your
self-harm pretty self-explanatory okay
number eight or sorry letter e depict
promote or incite hatred or
discrimination of protected groups or of
individuals or groups based on protected
characteristics so race religion gender
gender identity sexual orientation Etc
so I guess you can't if you're a hate
website all right you know specifically
if you're like a Neo-Nazi website or
you're like just a racist website in
general let's say you're like a
nationalist website of any specific race
black Hispanic Indian Asian whatever and
you're promoting hatred to other races
PayPal is not going to want to work with
you simple as that most services will
not okay that shouldn't [ __ ] shock
you present a risk to user safety or
well-being are fraudulent promote
misinformation or are unlawful or then
infringe the Privacy intellectual
property rights and or other property
rights of any party so again and if you
use a PayPal service for activities that
violate any of these PayPal can
basically just restrict your service or
I believe find you and they've actually
written the fine right here violation of
this acceptable use policy constitutes a
violation of the PayPal user agreement
and May subject you to damages including
liquidated damages of 2500 US dollars
per violation so again that would be
your live PayPal balance now obviously I
think this point of promote
misinformation has people a little bit
rightfully worried right what do they
mean by that now if I have to assume by
PayPal's metrics is if you're running a
website or a service or you're selling a
product that's actually promoting
misinformation whether that be in
regards to medicine or Flat Earth or any
conspiracy then PayPal can choose to
prohibit that or not work with you at
all now the fine gets me wondering a
little bit too and I believe a lot of
that has to do with the fact that if
somebody sells you a scam product if you
will and scams have already been against
the terms of service by PayPal for a
long time but let's say somebody
misinforms you I have to imagine the
legal lettering for this usually intense
like for instance if somebody out there
is selling a PlayStation 5 right and
they have a box a PlayStation 5 box
right here and they're selling it to you
through whatever service now let's say
that that box all right was containing a
bunch of rocks so basically they
probably misinformed you in the entire
sale on the internet and they said hey
this is a PlayStation 5 in box they
didn't tell you that that box actually
consisted of things like rocks they said
they shipped it to you you gave them the
money and they ran away with it now of
course if you reported it to PayPal and
said hey they misinformed me on this
product then PayPal can then find that
person two thousand five hundred dollars
right out of their live balance or put
them in the negative which means PayPal
can probably cover you and themselves
financially in that process now that's
what I assume PayPal means I would wish
when it comes to acceptable use policies
like this companies are more rigid and
specific in their statements being this
bake can cause a lot of confusion for a
lot of parties and because of this
confusion you have the former CEO of
PayPal the former president sorry not
CEO literally criticizing the company
it's hard for me to openly criticize a
company I used to love and give so much
to but PayPal's new AAP acceptable user
policy goes against everything I believe
in a private company now gets to decide
to take your money if you say something
they disagree with Insanity now of
course he links that same point that we
had and of course I have to imagine it's
a little disingenuous coming from
somebody that's a Bitcoin focused
company so something that's literally
competing opposite to PayPal which is
part of the traditional Financial
framework right a little bit of a bias I
would say here but I kind of do agree
with David right like why the [ __ ] are
we letting private companies suddenly
decide how they want to process things
with money and of course when it comes
to money there's a lot of regulations
regarding it too look this would be one
thing if you were doing this in part of
an actual bank right like if you were
dealing with an actual banking service
and suddenly they like freeze your
accounts or they find you specifically
for doing something that they deem is
wrong I believe there's a lot of legal
protections regarding that but when it
comes to PayPal it doesn't seem like
there's a lot of legal protections at
all too PayPal time and time again has
absolutely pissed on the faces of its
customers too if you look into a lot of
people talking about their money being
put on hold there's countless articles
to discuss just about PayPal but I even
had my own bad experience I remember
when I couldn't even sign into my PayPal
account because they're two-factor
authentication couldn't even send me a
text message I had money in the account
that I wanted to get out I wanted to
assist my mother in getting it out too
and guess what ladies and gentlemen
PayPal because of their shitty
two-factor authentication couldn't get
me in it took me a month and a half
almost two months to be able to get into
the account and siphon the money out of
course when it comes to services like
PayPal or anything never keep money in
them they're private companies they
ultimately can do whatever the [ __ ] they
want and there's almost nothing stopping
them from it too it's almost like
there's no legal protection preventing
PayPal from absolutely fisting its users
when it comes to large sums of money so
if you have any money in your PayPal
account never keep it in there always
pull that [ __ ] out but of course when it
comes to PayPal a lot of people will
take this news and take this information
and it's become sort of political right
people are wondering if it's going to
Target them for talking about things on
social media or whatever I have to
believe this service has a lot to do
with products being sold payments that
are being processed through PayPal
payments of goods and services that may
constitute things like misinformation of
course that's giving PayPal a lot of the
benefit of the doubt and I kind of have
to because at the end of the day I'm not
going to make statements or I try not to
make statements that are absolutely
false because guess what people do get
things wrong all the time but it is a
due diligence of people who have
platforms to be as thorough as they can
with the truth now of course I've made
those mistakes in the past and I don't
intend to make those mistakes going on
into my future now when it it comes to
misinformation I think the important
thing to discuss here is when we talk
about misinformation right there is no
strong Arbiter for what is true there's
no one organization that truly decides
if things are actually misinformation or
not I mean countries have disagreements
with each other based on what is
objective fact now obviously as somebody
like me I think that misinformation can
easily be countered like the current
systems that we have on many social
medias where if you talk about
controversial topics a lot of these
services will provide you Wikipedia
pages and Wikipedia can be a very
reliable source because most articles on
Wikipedia have plenty of citations and
sources that you can click onto and
verify for yourself but of course even
Beyond Wikipedia there's other sources
to look into sources that have been
peer-reviewed have been aggregated so on
and so forth as somebody that's on the
internet and I've seen misinformation I
always promote to you people that when
it comes to looking up controversial
things or really anything you should
always look up as many verified sources
as you can and aggregate the information
and truly open your mind simply sticking
to one fact isn't going to get you
anywhere but that's my Spiel on
misinformation done point is there's not
one specific Arbiter to it and when
PayPal says they're going to uh you know
restrict or find People based on them
promoting this information it really
comes down to why is it just their sole
discretion obviously when I think of
misinformation there should be a body
there should be a group of people that
decide what is and isn't misinformation
together letting one entity decide at
their sole discretion seems kind of
[ __ ] weird when it comes to them
actually finding you for money when I
think of fines I think of the government
being involved to make sure those fines
are levied out appropriately in a legal
body when PayPal can just decide this I
feel like that's not entirely even legal
I'm sure there's some waiver that you've
signed off anyways that gives them that
clearance but when it comes to waivers
I'm sure that even that can be legally
argued in a court of law look I've been
looking into this more than I really
should have but part of me was is trying
to get to the bottom of this I don't
think PayPal is trying to control
people's speech or really anything I
think PayPal just wants to be there to
cover their own ass when it comes to
actual users selling things in bad faith
or in misinformation or promoting
services that sell things based on
misinformation there's actual genuine
misinformation that exists all over the
Internet Tick Tock Facebook whatever
social media out there and some people
sell things based on misinformation when
they sell things they use services like
PayPal so of course it's a question to
be made there I'm sure with the rise of
cryptocurrencies people will eventually
you know sort of walk away from services
like PayPal and take more control of
their money right but of course that's a
while down the road all right and PayPal
is at the moment one of the largest
payment services out there but yeah I
wanted to get to the bottom of this and
I wanted to talk about something that
was just sort of all over my face this
is something that I've been looking into
whenever my mind looks at this kind of
[ __ ] I want to get to the bottom of it
and provide something objective
something truthful and honestly I want
to make a banger video out of it to a
just to be honest so ladies and
gentlemen let me know what you think
about it in the comment section below
PayPal did make an oopsie they've walked
back from their oopsie but it's time to
understand just like I think the
takeaway for this video is really just
how how do you work something like this
where you don't shoot your own company
in the foot and also
who decides
at their own soul discretion that they
can just start finding you per violation
of their TOS or acceptable use policy
it's really wild it should make you
think and ladies and gentlemen if you
like what you saw please like comment
and subscribe just like if you dislike
it do I think you should siphon all your
money out of PayPal yes but not for the
reasons that you're reading about on
social media never keep your money in
PayPal should you delete your account on
PayPal regardless uh no I think a lot of
these uh acceptable use policies are
there for Consumer Protections and for
the company protections at the end of
the day but let me know what you think
ladies and gentlemen this is me
mutaharan I am out