A cryptocurrency exchange platform that allows users to buy, sell, and store digital currencies like Bitcoin and Ethereum. The platform serves as a financial intermediary handling sensitive personal and financial data while facilitating monetary transactions. Policy changes significantly impact user privacy rights, transaction fees, and the legal terms governing access to cryptocurrency holdings and trading services.

3 Documents
101 All provisions 41 High severity 52 Medium severity 8 Low severity
22 Changes · 12 mo 1 high
Jul 23, 2026 Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Governance Coverage
Contract Terms
63 provisions · 29 high · 29 med
Payment Fees
43 provisions · 13 high · 25 med
Liability Limitation
40 provisions · 26 high · 12 med
Platform Discretion
27 provisions · 11 high · 15 med
Data Sharing
26 provisions · 8 high · 16 med
Data Collection
25 provisions · 6 high · 13 med
Account Control
20 provisions · 13 high · 7 med
Data Usage
19 provisions · 1 high · 13 med
Arbitration
18 provisions · 13 high · 5 med
Disclosure Requirements
18 provisions · 5 high · 6 med
Quick Facts
Arbitration: Mandatory
AI Training: Disclosed (high impact)
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High Digital assets not FDIC or SIPC insured

Without FDIC or SIPC coverage, users bear the full risk of loss of their Digital Assets without the safety net that applies to traditional bank deposits or brokerage accounts.

High Business must comply with AML and sanctions laws

The obligation spans every jurisdiction of operation or use and covers a broad set of regulatory regimes, making the compliance burden extensive and ongoing.

High Jury trial waiver for all disputes

The waiver eliminates users' constitutional right to have a jury decide disputes that proceed in court, limiting adjudication to a judge alone.

High Class and representative action waiver

The mutual waiver eliminates users' ability to pool claims with others, which can make pursuing small or complex claims economically impractical.

High Exclusion of consequential and lost profits damages

The exclusion covers a wide range of harms that are commonly associated with platform failures, security incidents, or service disruptions, leaving users without recourse for these categories of loss.

Document Coverage
Feeschedule Privacypolicy Termsofservice
Last change detected: Jul 23, 2026 Changes (12 months): 22 (1 high) Documents monitored: 3 Provisions tracked: 101
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Documents

Coinbase User Agreement

High

This agreement governs your use of Coinbase's digital asset services and gives Coinbase broad power to suspend or close your account at any time, for any reason, without warning. Once …

Last updated May 5, 2026 · Terms of service
10 provisions 12 versions captured 6 significant changes Version history →

Coinbase Privacy Policy

Medium

This document explains what personal information Coinbase collects about you, how it uses and shares that information, and your rights over it. Coinbase collects sensitive data including biometrics, government IDs, …

Last updated May 5, 2026 · Privacy policy
8 provisions 9 versions captured Version history →

Coinbase Fee Schedule

Medium

Coinbase charges fees every time you buy, sell, convert, or send cryptocurrency, and builds a spread into quoted prices on simple orders. If you stake cryptocurrency, Coinbase takes 35% of …

Last updated May 5, 2026 · Fee schedule
9 provisions 7 versions captured 1 significant change Version history →

Recent Changes

July 23, 2026 · Coinbase User Agreement High

Coinbase expanded its terms to address protocol upgrades called Asset Transformations and established new procedures for handling them. The updated language introduces defined terms for 'Asset Transformation' (protocol upgrades changing …

View change record →
July 7, 2026 · Coinbase User Agreement Medium

Coinbase added a comprehensive disclosure section for California residents on July 7, 2026, replacing a previous Colorado-only money transmitter notice. The new section discloses Coinbase's fee structure (with a $10 …

View change record →
June 16, 2026 · Coinbase Fee Schedule Medium

Coinbase updated its fee disclosure for instant unstaking on June 16, 2026. Previously, the schedule stated that instant unstaking carried a fixed 1% fee. The updated terms now state that …

View change record →
May 2, 2026 · Coinbase User Agreement Medium

Coinbase removed references to Secured USDC (a digital asset holding mechanism tied to its One Card product) from its core asset protection language. The previous terms explicitly permitted transfers of …

View change record →
May 1, 2026 · Coinbase User Agreement Medium

Coinbase updated its User Agreement on May 1, 2026 to explicitly permit the transfer of digital assets to third parties under a new 'Secured USDC' feature tied to the Coinbase …

View change record →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (36)

View all high severity provisions → Compare Coinbase with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
CAN-SPAM
United States Federal
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
ePrivacy Directive
European Union
View official text ↗
FCRA
United States Federal
View official text ↗
FAA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
TCPA
United States Federal
View official text ↗
UK GDPR
United Kingdom
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

Related Analysis

Consumer Rights · April 14, 2026
Coinbase Requires Mandatory Arbitration. You Have 30 Days to Opt Out.

Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and…

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Frequently Asked Questions

What Coinbase documents does ConductAtlas track?

ConductAtlas tracks 3 Coinbase documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Coinbase made in the past year?

Coinbase has made 22 policy changes in the past 12 months across the documents ConductAtlas tracks, including 1 classified as high severity.

How many provisions has ConductAtlas classified for Coinbase?

ConductAtlas has classified 101 provisions across Coinbase's tracked documents. 41 are rated high severity, 52 medium, and 8 low.

Can I get alerts when Coinbase changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Coinbase to their watchlist and receive same-day email alerts whenever any tracked document changes.