Coinbase reserves the right to modify the User Agreement unilaterally, with changes effective upon posting. For modifications that reduce user rights or increase user responsibilities, the agreement states that at least 30 days prior notice will be provided by website posting or email.
This analysis describes what Coinbase's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes that the terms governing Coinbase accounts may change over time, with the 30-day notice obligation applying specifically to changes that reduce user rights or increase responsibilities. Changes of other types may take effect upon posting without advance notice.
The updated terms expand Coinbase's authority to liquidate customer assets without notice to cover clearinghouse losses. Previously, liquidation was authorized only if you failed to pay for securities purchased or failed to deliver securities sold. The revised language now also permits liquidation if a transfer of securities into your account at CCM fails or is reversed. This means the platform can use your property to cover losses stemming from incoming transfer failures, in addition to settlement failures on your own trades. The authorization continues to require only that CCM make a demand for payment to Coinbase, without notice to you.
View change record →The updated terms establish procedures for handling protocol upgrades and define Coinbase's role in migrating customer assets to new versions. Under the revised language, by maintaining a Coinbase account, customers are deemed to have instructed Coinbase to conduct Coinbase Supported Migrations on their behalf at times and in manner Coinbase solely determines appropriate. The agreement further states that Coinbase shall not be liable or responsible for any loss resulting from inability to transfer Digital Assets during a migration or from the Asset Transformation itself. This expands Coinbase's authority to act without advance notice while eliminating liability for migration-related losses.
View change record →The updated terms now explicitly disclose Coinbase's fee structure for California residents, establishing a $10 maximum fee for transactions under $200 and a 6% maximum for larger transactions, though actual fees displayed at checkout may be lower based on payment method, order size, market conditions, and location. The revised agreement also clarifies that virtual currency transactions may be irreversible and provides links to procedures for reporting unauthorized transactions, updating contact information, and accessing transaction receipts. Coinbase commits to providing California residents at least 14 days' prior notice of material changes to fees or terms affecting their accounts.
View change record →Removed 30-day notice requirement for adverse changes and replaced with automatic acceptance via continued use, removing user protection of advance notice.
View full change record →Current version added requirement for 30 days prior notice when changes reduce rights or increase responsibilities, but removed the provision that continued use constitutes acceptance.
View full change record →Under this clause, Coinbase may change the User Agreement, with modifications that reduce rights or increase responsibilities requiring 30 days prior notice by email or website posting. Continued use of the platform after the effective date constitutes acceptance of the revised terms.
How other platforms handle this
prevent or detect violations of our Terms or fraud or abuse of Strava or its users; or (4) protect our operations or our property or other legal rights, including in connection with actual or potential litigation.
You agree that you have all necessary rights to your User Submissions and that your User Submissions shall not violate or infringe upon any proprietary right, intellectual property right or other rights of third parties.
Consistent with applicable law, you understand and agree that Tinder may not share information with you regarding your account termination if doing so would potentially impair the safety or privacy of other users.
"We may revise this User Agreement and any other document that is part of the Agreement from time to time. The revised version will be effective at the time we post it, unless otherwise noted. If our changes reduce your rights or increase your responsibilities, we will provide at least 30 days prior notice by posting on our website or sending an email to your registered email address.Excerpt from Coinbase's User Agreement
1) REGULATORY LANDSCAPE: Unilateral modification clauses in consumer financial services agreements interact with state consumer protection statutes and, for certain financial products, with CFPB guidance on change-in-terms notices.
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This provision establishes that the terms governing Coinbase accounts may change over time, with the 30-day notice obligation applying specifically to changes that reduce user rights or increase responsibilities. Changes of other types may take effect upon posting without advance notice.
Under this clause, Coinbase may change the User Agreement, with modifications that reduce rights or increase responsibilities requiring 30 days prior notice by email or website posting. Continued use of the platform after the effective date constitutes acceptance of the revised terms.
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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