You are required to provide accurate identity information and Coinbase is required by law to verify your identity, monitor your transactions, and report suspicious activity to government authorities.
Your transaction history and personal information may be shared with law enforcement or regulatory agencies without your direct knowledge if Coinbase determines reporting is legally required.
Coinbase's AML/KYC program operates under FinCEN's Bank Secrecy Act requirements and applicable OFAC sanctions screening obligations. Compliance teams should note that Coinbase's SAR filing and transaction monitoring obligations may result in account restrictions or fund holds without prior notice to the customer.
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This agreement significantly affects consumers by requiring mandatory binding arbitration and waiving the right to participate in class action lawsuits, limiting access to the traditional court system for disputes. Coinbase retains broad discretion to suspend or terminate accounts, freeze funds, and modify or discontinue services with limited notice, which can directly impact access to your digital assets. You can opt out of the arbitration clause by sending written notice to Coinbase within 30 days of first accepting the agreement, as detailed in the dispute resolution section.