I'd just like to point out the docs for using donate buttons (https://cms.paypal.com/us/cgi-bin?cmd=_render-content&co...) makes no mention of "clear guidelines for any business that uses PayPal to accept donations"

i couldn't come up with those guidelines on a paypal search. so, it seems pretty horrible to me. It's fine to have rules, it's horrible to have secret rules you don't tell people about. They don't ask for documentation of non-profit status, or any of that. Just, here's a button! good luck!