I believe paypal sneakily interjected a forced arbitration into the TOS a while back
Please always remember that what's written in a contract is not automatically legal.
Oh, I know that but our wonderful government is upholding these mandatory arbitration clauses everywhere.
http://www.motherjones.com/politics/2013/06/consumers-get-screwed-scotus-american-express-decision-small-bizStill doesn't keep companies like apple from putting all sorts of illegal (and non-binding) things in their TOS or license agreements. I'm sure paypal even has a few you could play with
if you had the legal capital.