| Not sure which one applies to you? | | Not sure which one applies to you? |
| If you're using Coinbase as an individual — including buying, selling, or tradin | | If you're using Coinbase as an individual — including buying, selling, or tradin |
| g crypto for yourself — the Individual User Agreement applies. If you are an aut | | g crypto for yourself — the Individual User Agreement applies. If you are an aut |
| horized representative of a company which is using Coinbase for commercial, busi | | horized representative of a company which is using Coinbase for commercial, busi |
| ness purposes your activities are subject to our Coinbase Business User Agreemen | | ness purposes your activities are subject to our Coinbase Business User Agreemen |
| t. Still unsure? Read our quick guide to help you determine which agreement fits | | t. Still unsure? Read our quick guide to help you determine which agreement fits |
| your situation. Regardless of which agreement applies to you, you are bound to | | your situation. Regardless of which agreement applies to you, you are bound to |
| an arbitration agreement, jury trial waiver, and class action waiver. Please rev | | an arbitration agreement, jury trial waiver, and class action waiver. Please rev |
| iew the terms carefully and contact Coinbase Support if you have questions. | | iew the terms carefully and contact Coinbase Support if you have questions. |
| Individual User Agreement | | Individual User Agreement |
| n | Last updated: March 9, 2026 | n | Last updated: March 19, 2026 |
| Welcome to Coinbase! This is a User Agreement between you (also referred to here | | Welcome to Coinbase! This is a User Agreement between you (also referred to here |
| in as “User,” or “customer”) and Coinbase, Inc. ("Coinbase," “we,” “us,” and “ou | | in as “User,” or “customer”) and Coinbase, Inc. ("Coinbase," “we,” “us,” and “ou |
| r”). This User Agreement ("Agreement" or “User Agreement”) governs your use of t | | r”). This User Agreement ("Agreement" or “User Agreement”) governs your use of t |
| he services provided by Coinbase described below and such other services that ma | | he services provided by Coinbase described below and such other services that ma |
| y be offered by Coinbase from time to time ("Coinbase Services" or "Services"). | | y be offered by Coinbase from time to time ("Coinbase Services" or "Services"). |
| By signing up to use a Coinbase account or service through coinbase.com, Coinbas | | By signing up to use a Coinbase account or service through coinbase.com, Coinbas |
| e’s APIs, the Coinbase mobile application, or any other Coinbase website (collec | | e’s APIs, the Coinbase mobile application, or any other Coinbase website (collec |
| tively the "Coinbase Site"), or by obtaining, holding or using a wrapped token i | | tively the "Coinbase Site"), or by obtaining, holding or using a wrapped token i |
| ssued by Coinbase, you agree that you have read, understand, and accept all of t | | ssued by Coinbase, you agree that you have read, understand, and accept all of t |
| he terms and conditions contained in this Agreement including our Privacy Policy | | he terms and conditions contained in this Agreement including our Privacy Policy |
| , Cookie Policy, Prohibited Use Policy and E-Sign Disclosure and Consent Policy | | , Cookie Policy, Prohibited Use Policy and E-Sign Disclosure and Consent Policy |
| in Appendix 2. You may have to agree to additional terms and conditions to use c | | in Appendix 2. You may have to agree to additional terms and conditions to use c |
| ertain Additional Services (as defined below). | | ertain Additional Services (as defined below). |
| Important Definitions: As used throughout this Agreement, the following terms ha | | Important Definitions: As used throughout this Agreement, the following terms ha |
| ve the following meanings. | | ve the following meanings. |
| “Digital Asset” means any digital asset (including a virtual currency or virtual | | “Digital Asset” means any digital asset (including a virtual currency or virtual |
| commodity) which is a digital representation of value based on (or built on top | | commodity) which is a digital representation of value based on (or built on top |
| of) a cryptographic protocol of a computer network. | | of) a cryptographic protocol of a computer network. |
| Complaint Form (PDF) | | Complaint Form (PDF) |
| Send the complaint and supporting documentation by regular mail, facsimile, or e | | Send the complaint and supporting documentation by regular mail, facsimile, or e |
| lectronic mail (e-mail) to the Colorado Division of Banking. NOTE: If filing ele | | lectronic mail (e-mail) to the Colorado Division of Banking. NOTE: If filing ele |
| ctronically, scan and/or save the completed complaint form with related attachme | | ctronically, scan and/or save the completed complaint form with related attachme |
| nts to a PDF file, a Word doc, or Zip file, and attach to your E-mail. | | nts to a PDF file, a Word doc, or Zip file, and attach to your E-mail. |
| Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Phone: 3 | | Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Phone: 3 |
| 03-894-7575 Fax: 303-894-7570 E-mail: DORA_BankingWebsite@state.co.us | | 03-894-7575 Fax: 303-894-7570 E-mail: DORA_BankingWebsite@state.co.us |
| n | | n | Connecticut Please note the following disclosures associated with virtual curren |
| | | cy: |
| | | WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERA |
| | | BLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE. |
| | | Virtual currency is not backed or insured by the government and accounts and val |
| | | ue balances are not subject to Federal Deposit Insurance Corporation, National C |
| | | redit Union Administration or Securities Investor Protection Corporation protect |
| | | ions. |
| | | Some virtual currency transactions shall be deemed to be made when recorded on a |
| | | public ledger, which may not be the date or time when the customer initiates th |
| | | e virtual currency transaction |
| | | The value of virtual currency may be derived from the continued willingness of m |
| | | arket participants to exchange fiat currency for virtual currency, which may res |
| | | ult in the permanent and total loss of the value of a particular virtual currenc |
| | | y, if the market for that virtual currency disappears. |
| | | The volatility and unpredictability of the price of virtual currency relative to |
| | | fiat currency may result in a significant loss over a short period of time. |
| | | Any bond maintained by Coinbase for the benefit of the customers of Coinbase may |
| | | not be sufficient to cover all losses incurred by such customers. |
| | | Virtual currency transactions are irreversible and are used by persons seeking t |
| | | o defraud customers, including, but not limited to, a person impersonating a cus |
| | | tomer's loved one, threatening jail time, stating that a customer's identity has |
| | | been stolen, insisting that a customer withdraw money from the customer's bank |
| | | account and purchase cryptocurrency or alleging a customer's personal computer h |
| | | as been hacked. |
| | | If you have a complaint or questions, please contact Coinbase, Inc. Support at 1 |
| | | -888-908-7930 or https://help.coinbase.com/en/contact-us. If you still have an u |
| | | nresolved complaint regarding Coinbase, Inc. money transmission activity, you ma |
| | | y submit a formal complaint via https://help.coinbase.com/en/contact-us/submit-a |
| | | -complaint. You may also contact the Connecticut Department of Banking at https: |
| | | //portal.ct.gov/dob/consumer/consumer-complaints/money-transmitter with any comp |
| | | laints. |
| District of Columbia If you have a complaint, please contact Coinbase, Inc. at 1 | | District of Columbia If you have a complaint, please contact Coinbase, Inc. at 1 |
| -888-908-7930 or https://help.coinbase.com/en/contact-us. If you still have an u | | -888-908-7930 or https://help.coinbase.com/en/contact-us. If you still have an u |
| nresolved complaint regarding Coinbase, Inc.'s money transmission activity, you | | nresolved complaint regarding Coinbase, Inc.'s money transmission activity, you |
| may file it by contacting the Department at: | | may file it by contacting the Department at: |
| District of Columbia Department of Insurance, Securities and Banking 1050 First | | District of Columbia Department of Insurance, Securities and Banking 1050 First |
| St., NE, Suite 801 Washington, DC 20002 Phone: (202) 727-8000 Fax: (202) 354-108 | | St., NE, Suite 801 Washington, DC 20002 Phone: (202) 727-8000 Fax: (202) 354-108 |
| 5 E-mail: disbcomplaints@dc.gov | | 5 E-mail: disbcomplaints@dc.gov |
| Consumer Complaint Form Mail-in Version | | Consumer Complaint Form Mail-in Version |