This analysis describes what Coinbase's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision operationalizes Coinbase's compliance obligations under anti-money laundering (AML) and know-your-customer (KYC) regulatory frameworks, which require financial institutions to maintain customer identity and transaction records for specified periods to satisfy regulatory reporting and audit requirements.
The terms establish that users' identity verification information, transaction records, and financial data will be retained by Coinbase for a minimum of five years after account closure as required by law, meaning these records remain in the company's systems during this retention period regardless of account status.
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"We retain your personal information for as long as is necessary to fulfill the purposes for which it was collected, including for legal, accounting, regulatory, or reporting requirements. We are required to retain certain records, including identity verification information, transaction records, and financial information, for a minimum of five years following the end of our relationship with you, or as otherwise required by applicable law.— Excerpt from Coinbase's Coinbase Privacy Policy
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This provision operationalizes Coinbase's compliance obligations under anti-money laundering (AML) and know-your-customer (KYC) regulatory frameworks, which require financial institutions to maintain customer identity and transaction records for specified periods to satisfy regulatory reporting and audit requirements.
The terms establish that users' identity verification information, transaction records, and financial data will be retained by Coinbase for a minimum of five years after account closure as required by law, meaning these records remain in the company's systems during this retention period regardless of account status.
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