We may make changes to these Terms at any time. We will use commercially reasonable efforts to provide you with notice of any changes by posting the revised Terms on our website and by notifying you via email or your Coinbase Account. Your continued use of the Coinbase Services after such notice constitutes your agreement to the revised Terms.
Coinbase can change fees, data practices, arbitration terms, or other material provisions with only email notice — and your continued use of the platform is treated as acceptance even if you didn't read the new terms.
Coinbase's User Agreement gives the company broad unilateral powers to suspend accounts, freeze funds, and reverse transactions with limited notice, directly affecting your access to your money and cryptocurrency. In the event of Coinbase's insolvency, cryptocurrency held in your Coinbase account may be treated as Coinbase's property under bankruptcy law, leaving you as an unsecured creditor rather than the outright owner of your assets. You can withdraw your cryptocurrency to a self-custodied hardware or software wallet to avoid platform insolvency risk, and you can opt out of mandatory arbitration by sending written notice to Coinbase within 30 days of first accepting the agreement.