Coinbase explicitly discloses that cryptocurrency is highly volatile and speculative, that you could lose your entire investment, and that Coinbase is not responsible for market losses.
By agreeing to these terms, you acknowledge all investment risk, which Coinbase will use as a defense if you suffer losses and seek to hold them responsible.
The risk disclosure section functions as a contractual acknowledgment of speculative risk, reinforcing the limitation of liability provisions. For institutional investors, these disclosures may satisfy certain suitability and disclosure requirements but do not substitute for independent investment due diligence.
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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.