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
82 All provisions 35 High severity 41 Medium severity 6 Low severity
22 Changes · 12 mo 1 high
Jun 9, 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
Payment Fees
55 provisions · 14 high · 35 med
Data Collection
19 provisions · 9 high · 9 med
Privacy Rights
15 provisions · 3 high · 12 med
Data Sharing
15 provisions · 12 high · 3 med
Liability Limitation
12 provisions · 9 high · 3 med
Account Control
8 provisions · 7 high · 1 med
Data Retention
7 provisions · 7 med
Arbitration
7 provisions · 7 high
Policy Changes
4 provisions · 4 med
Cross Border
3 provisions · 1 high · 2 med
Quick Facts
Arbitration: Mandatory
AI Training: Disclosed (high impact)
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High Law Enforcement and Government Disclosure

The policy states disclosure may occur based on Coinbase's good faith belief, not solely on legally compelled orders, and may proceed without notifying the user, which means users may not know when t…

High Government ID and Biometric Data Collection

The collection of biometric data for identity verification is subject to specific state laws including Illinois BIPA, which imposes strict notice, consent, and deletion requirements, and the policy's…

High Staking Services Terms

This provision establishes that participation in Coinbase staking services authorizes asset lockup for unspecified periods, that rewards are not guaranteed, and that Coinbase takes a commission from …

High Account Suspension and Termination

This clause establishes that Coinbase retains broad operational authority to restrict or terminate account access, which may affect users' ability to access, withdraw, or transfer digital assets duri…

High Insolvency and Bankruptcy Risk Disclosure

This provision discloses a material custodial risk: users holding digital assets on the Coinbase platform may not have segregated asset protection in a Coinbase insolvency, which could result in part…

Document Coverage
Feeschedule Privacypolicy Termsofservice
Last change detected: Jun 9, 2026 Changes (12 months): 22 (1 high) Documents monitored: 3 Provisions tracked: 82
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Documents

Coinbase User Agreement

High

This is the Coinbase User Agreement for U.S. users, covering buying, selling, storing, transferring, and staking cryptocurrency on the Coinbase platform. The agreement requires users to resolve virtually all disputes …

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

Coinbase Privacy Policy

Medium

This document establishes Coinbase's practices for collecting, using, and sharing personal information from users of its cryptocurrency exchange and related products. Coinbase collects government-issued identification documents, bank account details, transaction …

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

Coinbase Fee Schedule

Medium

This is Coinbase's fee disclosure page for cryptocurrency purchases, sales, and conversions on Coinbase.com, covering transaction fees charged by payment method, including bank accounts, debit cards, PayPal, and the Coinbase …

Last updated May 5, 2026 · Fee schedule
6 provisions 4 versions captured Version history →

Recent Changes

May 15, 2026 · Coinbase User Agreement High

Coinbase updated its User Agreement on May 15, 2026 to introduce provisions for 'Secured USDC,' a new feature tied to the Coinbase One Card. Under the previous terms, Coinbase could …

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 →
April 19, 2026 · Coinbase User Agreement Medium

Coinbase updated its Individual User Agreement on April 19, 2026 to add Connecticut-specific disclosures about virtual currency risks. The new language warns that virtual currency is not government-backed or insured, …

View change record →
March 6, 2026 · Coinbase User Agreement Medium

Coinbase removed 48 sentences from its User Agreement on March 6, 2026, primarily eliminating the entire Direct Deposit feature section that previously allowed users to receive paychecks and government benefits …

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

Medium Severity Provisions (9)

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 82 provisions across Coinbase's tracked documents. 35 are rated high severity, 41 medium, and 6 low.

Can I get alerts when Coinbase changes their policies?

Yes. Monitor subscribers ($19/month) can add Coinbase to their watchlist and receive same-day email alerts whenever any tracked document changes.