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The Courts

Submission + - PayPal Opts You In To Binding Arbitration (paypal.com) 2

SuperCharlie writes: Effective November 1st, 2012, PayPal is updating its user agreement requiring any disputes between you and PayPal to be settled by binding, "final" arbitration. According to user notifications, you have until December 1st, 2012 to opt out, however, no facilities or links to do so are provided.
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PayPal Opts You In To Binding Arbitration

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You don't have to know how the computer works, just how to work the computer.