Coinbase User Agreement

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 a transaction is marked complete or pending, you cannot cancel or reverse it. If you have a dispute with Coinbase, you almost always must resolve it through individual arbitration — not a class action or a court jury.

The Coinbase User Agreement establishes the terms under which Coinbase provides digital asset services, setting out Coinbase's broad discretionary powers to refuse, suspend, terminate, or restrict user accounts and services with immediate effect and for any reason at its sole discretion. The agreement eliminates users' ability to cancel, reverse, or change transactions once marked complete or pending, and caps Coinbase's liability at the value of Supported Digital Assets in a user's wallet at the time of the triggering event, while excluding liability for lost profits, loss of data, loss of goodwill, and related harms. Dispute resolution is channeled into binding and final arbitration on an individual-only basis, with waivers of class, representative, collective, and mass actions, as well as jury trial rights. Business users bear an ongoing, jurisdiction-spanning obligation to comply with all applicable laws, including AML, anti-terrorist, anti-bribery, and sanctions regimes.

As a Coinbase user, your Digital Assets are not protected by FDIC or SIPC insurance, meaning you bear the full risk of loss. Coinbase can suspend or terminate your account immediately and for any reason at its sole discretion, and any transaction you initiate that reaches complete or pending status cannot be undone. If a dispute arises, you are required to pursue it individually through binding arbitration rather than through a class action or jury trial, and any recovery from Coinbase is capped at the value of the Supported Digital Assets in your wallet at the time of the triggering event. If you believe a transaction or account action is in error, the agreement's dispute resolution process — individual arbitration — is the contractually prescribed path for raising that claim.