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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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Unsolicited Ideas Policy

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Financial Privacy Notice

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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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Coinbase Futures

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:

  • JPMorgan Chase

  • Cross River Bank

  • Customers Bank

  • Pathward (previously known as MetaBank)

[as of May, 2023]

Find out more  about FDIC deposit insurance in the FDIC’s fact sheet, here.

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 if I have a dispute with Coinbase or for other legal matters?

  • Disputes: If you would like to file a formal complaint with Coinbase, please contact us via this help page.

  • Criminal matters: Subpoenas for criminal matters can be submitted by Law Enforcement Officers via our portal at https://app.kodexglobal.com/gov/signup.

  • Civil matters: 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. Other legal documents may be sent to the Coinbase Legal Team at this address: 248 3rd St #434, Oakland CA, 94607.