Coinbase User Agreement

This agreement sets the rules for using Coinbase's services and gives Coinbase wide authority to suspend or close your account at any time, for any reason, without notice. Almost all disputes must go through individual binding arbitration — you cannot sue Coinbase in court as part of a class action or demand a jury trial. Your Digital Assets are not insured by the government, and once a transaction is marked complete or pending, you cannot undo it.

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 accounts and services with immediate effect and for any reason at its sole discretion. The agreement imposes on business users an extensive, ongoing compliance obligation spanning all applicable laws across every jurisdiction of operation, including AML, anti-terrorist, anti-bribery, and sanctions regimes. Users are bound by a binding arbitration requirement with a class action waiver, a collective/representative action waiver, and a jury trial waiver, limiting dispute resolution to individual arbitration proceedings in nearly all cases. Coinbase's liability is capped at the value of Supported Digital Assets in a user's Digital Asset Wallet at the time of the triggering event, and Coinbase expressly excludes liability for lost profits, reputational harm, data loss, diminution in value, and loss of business opportunity. Users must acknowledge that Digital Assets carry no FDIC or SIPC protection, and completed or pending transactions cannot be cancelled, reversed, or modified.

As an individual user, you cannot cancel, reverse, or change any transaction Coinbase marks as complete or pending, eliminating a standard remedy for errors. Your account or access to services can be suspended or terminated immediately, for any reason, at Coinbase's sole discretion, with no contractual guarantee of continued access. Your Digital Assets are not covered by FDIC or SIPC insurance, meaning you bear the full risk of loss. If you have a dispute with Coinbase, you must pursue it individually through binding arbitration — you cannot join a class action or have a jury decide your case. Coinbase's financial liability to you is limited to the value of Supported Digital Assets in your wallet at the moment the dispute-triggering event occurred, and Coinbase will not compensate you for lost profits, data loss, reputational harm, or loss of business opportunity. If you wish to understand what limited exceptions to arbitration exist, reviewing those exceptions in the agreement is the specific action available to you.