I messaged PayPal support to attempt to get clarification of what the language ..... personal transaction ... meant. After going back and forth 3 times to clarify what I was asking, they said that it is referring to sending money via friends and family to a business account .... which they already had a previous exclusion for.
So .... unfortunately I'm not confident the answers I got from them were accurate .... The support people seemed to be English challenged and If they were referring to friends and family transactions, it seems like it would have been best to just use that language instead of introducing something obscure like personal transaction.