Well written article for all you buyer's who assumed you were somehow "protected" paying with PayPal. Pal to the seller (only). Reinforces the need to carefully read (and understand) all user agreements.
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FYI for computer novices: You can highlight the link above with your mouse left button (do not lift pointer); then while still on the highlighted link click right button and choose "copy"; then in a new browser window where you type in web addess, right mouse click again and choose "paste" and there is the whole address link. Saves a lot of typing and typos.