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Retail User Agreement

Terms and Conditions

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Arbitration Agreement

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Service Specific Terms

Coinbase Card

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USDC Rewards

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Staking Services

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Advanced Trading

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Coinbase One

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Direct Deposit

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Coinbase Pro

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Dapp Wallet, DEXes, and Decentralized Applications

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Additional Terms and Disclosures

Pricing and fees disclosures

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Market Data Terms of Use

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Trading Rules

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Licenses and Regulatory Disclosures

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Digital Asset Disclosures

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Privacy and Other Important Information

Privacy Policy

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Cookie Policy

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Prohibited Use Policy

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Website Accessibility Statement

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Other Products and Programs

Coinbase NFT

Terms and Conditions

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Arbitration Agreement

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Privacy Policy

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Cookie Policy

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Content Policy

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Removals

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Cloud Tools

Terms and Conditions

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Arbitration Agreement

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Dapp Wallet

Terms and Conditions

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Legal FAQs

How is my crypto insured?

Coinbase carries crime insurance that protects a portion of digital assets held across our storage systems against losses from theft, including cybersecurity breaches.  However, our policy does not cover any losses resulting from unauthorized access to your personal Coinbase or Coinbase Pro account(s) due to a breach or loss of your credentials. It is your responsibility to use a strong password and maintain control of all login credentials you use to access Coinbase and Coinbase Pro. Digital currency is not legal tender and is not backed by the government. Coinbase is not an FDIC-insured bank and digital currency is not insured or guaranteed by the Federal Deposit Insurance Corporation (“FDIC”) or Securities Investor Protection Corporation (“SIPC”), and may lose value. In case of a covered security event, we will endeavor to make you whole; however, total losses may exceed insurance recoveries so funds may still be at risk.

How is my cash insured?

Cash balances, such as U.S. Dollars, British Pounds, Euros, customers store with Coinbase are held as a balance in your Coinbase or Coinbase Pro account(s). For U.S. customers, Coinbase combines your balance with the balances of other customers and holds those funds in custodial accounts at U.S. banks and/or invests those funds in liquid U.S. Treasuries or USD denominated money market funds in accordance with state money transmitter laws. Funds could be held in any one of these three manners so customers should not assume that funds are being held in one manner over the other. For non-U.S. customers, funds are held as cash in dedicated custodial accounts. All custodial pooled amounts are held separate from Coinbase funds, and Coinbase will neither use these funds for its operating expenses or any other corporate purposes.

To the extent your customer funds are held as cash, they are maintained in pooled custodial accounts at one or more banks insured by the FDIC. Our custodial accounts have been established in a manner to make pass-through FDIC insurance available up to the per-depositor coverage limit then in place (currently $250,000 per individual). FDIC pass-through insurance protects funds held on behalf of a Coinbase customer against the risk of loss should any FDIC-insured bank(s) where we maintain custodial accounts fail. FDIC insurance coverage is contingent upon Coinbase maintaining accurate records and on determinations of the FDIC as receiver at the time of a receivership of a bank holding a custodial account. Below is a list of the insured depository institutions at which Coinbase may deposit customer funds:

Signature Bank

  • JPMorgan Chase

  • Cross River Bank

  • Silvergate Bank

  • Pathward (previously known as MetaBank)

[as of August, 2022]

Are there any restrictions on how I can use my Coinbase account?

In the last few years, it has become increasingly common for tech companies to censor customers or close their accounts for a range of reasons (e.g., misinformation). Luckily, as a crypto business we don’t face this issue as frequently as a social network does, but we still need to set clear policies around acceptable use of our products. You can read our Prohibited and Conditional Use Policy here.

Who do I contact for a subpoena request or dispute or to send a legal document?

For Law Enforcement Offices only: Information requests for criminal matters should be directed to subpoenas@coinbase.com.

If you are trying to serve Coinbase with official court documents or a subpoena, these documents must be sent to our Registered Agent for Service of Process. Contact information for our registered agent in your state may be found here.

For other less formal legal documents, you may send such documents to the Coinbase Legal Team through the US Postal Service. If you would like to mail documents to our Legal team, please use this address: Coinbase Legal, PO Box 26409, San Francisco, CA 94126.

For the Department of Financial Services, see contact information here: The New York State Department of Financial Services, One State Street, New York,  NY 10004-1511+1 Tel:  (800) 342-3736. Please visit https://www.dfs.ny.gov for additional information. If you would like to file a formal complaint with Coinbase, please contact us via this help page.

Can I open a Coinbase account if I'm under 18?

As of July 25, 2017, you must be 18 or older to access Coinbase services. 

All underage Coinbase users who opened accounts under our old policy will be notified of this change and will be given ample opportunity to remove funds from their accounts before the accounts are closed. 

Please do not hesitate to contact us or review our User Agreement if you have any questions.