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Solve the following problem using Python, implementing the functions described below, one line at a time
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Description:
 def _private_packages_allowed():
 """ Checks if the current user is allowed to create private packages. In the public cloud, the user needs to be on a paid plan. There are no restrictions in other deployments. """

    if not HAVE_PAYMENTS or TEAM_ID:
        return True

    customer = _get_or_create_customer()
    plan = _get_customer_plan(customer)
    return plan != PaymentPlan.FREE