Coinbase can change the terms of this agreement at any time by posting updated terms and providing notice, and your continued use of the platform constitutes acceptance of the new terms.
Coinbase can alter the rules governing your account and funds without your explicit agreement — simply continuing to use the service is treated as consent to whatever changes they make.
The unilateral amendment provision without affirmative re-consent raises enforceability questions under contract law principles of mutual assent and consideration, and may conflict with consumer protection requirements in certain states that mandate explicit consent to material changes in financial services agreements.
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Coinbase's terms give the company significant unilateral power to freeze, suspend, or terminate user accounts with limited recourse, and cap the company's financial liability to just three months of fees paid — regardless of the value of assets affected. Cryptocurrency holdings on Coinbase are explicitly not covered by FDIC or SIPC insurance, meaning users bear the full risk of platform insolvency. You can opt out of the mandatory arbitration clause by sending written notice to Coinbase within 30 days of first accepting the agreement.