Coinbase
Coinbase Individual User Agreement
Coinbase is a cryptocurrency exchange and custodial wallet platform that lets individuals buy, sell, hold, transfer, and stake digital assets, and offers ancillary products like a debit card and subscription membership.
Analyzed August 12, 2026
Key findings
Summary
Coinbase's terms are largely standard for a regulated financial/crypto platform, with extensive risk disclosures and broad liability limitations typical of the industry. The agreement includes mandatory binding arbitration with a class-action and jury-trial waiver, though it provides a small claims carveout and an informal complaint process; collection of sensitive identity data (including biometrics) is required for KYC/AML compliance, which is a factor that increases the category score under the rubric.
Category Breakdown
Coinbase collects extensive identity data including government ID, SSN, source of funds, and in some cases biometric information for KYC/AML compliance, with no opt-out available if you wish to use the service.
From: TERMS OF SERVICEThe information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, government identification, and information regarding your bank account... and in some cases (where permitted by law), special categories of personal data, such as your biometric information.View source document
Personal data may be disclosed to credit reference and fraud prevention agencies, service providers, and transferred in connection with mergers or acquisitions, consistent with standard practices for a regulated financial platform.
From: TERMS OF SERVICEyour personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full.View source document
User-submitted content is subject to a broad worldwide, perpetual, sublicensable license to operate, improve, and promote the services, while users retain their underlying intellectual property rights.
From: TERMS OF SERVICEyou grant us a worldwide, non-exclusive, royalty-free, sublicensable, perpetual, and transferable license to host, publish, display, perform, reproduce, copy, distribute, communicate, modify, reformat, translate, or otherwise use Your Content...to operate, improve, develop, and promote our Services.View source document
Coinbase may suspend, restrict, or terminate accounts immediately for any reason at its sole discretion without disclosing the reasoning behind risk-management decisions, though a 90-day withdrawal window is provided after closure.
From: TERMS OF SERVICECoinbase may suspend, restrict, or terminate your access to any or all of the Coinbase Services, and/or deactivate or cancel your Coinbase Account(s), with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you.View source document
The agreement mandates binding arbitration with a class-action and jury-trial waiver, but includes a small claims court carveout and requires an informal complaint process before filing a claim.
From: TERMS OF SERVICEAPPENDIX 5 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION. APPENDIX 5 ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER.View source document
Coinbase One is a subscription that auto-renews and charges stored payment methods or balances recurringly, with disclosed cancellation via the member portal before the renewal date and prorated refunds upon company-initiated termination.
From: TERMS OF SERVICEA Coinbase One subscription renews automatically and requires recurring payments... To avoid the next charge, cancel via “Manage” in member home before your renewal date.View source document