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Coinbook® User Agreement
Updated October 8, 2018

Coinbook® is a cryptocurrency trading platform. This user agreement is a contract between you and Coinbook. By registering for an account through coinbookusa.com, or any associated websites or applications, you agree that you have read, understood, and accept all of the terms and conditions contained in this agreement, as well as our Privacy Policy. Coinbook may modify or change the terms and conditions of the agreement at any time and will post notification of all changes on the Terms and Conditions webpage.

You can terminate this Agreement at any time by concluding all outstanding trades or other obligations, withdrawing all remaining balances, and deleting your account.

1 - GENERAL TERMS
1.1 Eligibility

To be eligible to use Coinbook Services, you must be at least 18 years old. Any prospective users who are denied entities (including, but not restricted to, individuals and corporate entities who are convicted or suspected money launderers, terrorists, or on the United Nations Security Council Sanctions List, etc.) will be denied access to Coinbook services. Coinbook also reserves the right to revoke access to its services if at any time Coinbook discovers that a previously approved user belongs to a denied category.

1.2 Description of Services

Coinbook is a platform that allows users to conduct direct Digital Currency transactions with Coinbook, its owners, subsidiaries, or affiliates (collectively “Coinbook”). Coinbook is not an exchange service for facilitating transactions between users unless specifically noted and authorized. All transactions involve Coinbook as either a buyer or seller of a supported Digital Currency. Note: The risk of loss in trading or holding Digital Currency can be substantial. You should therefore carefully consider whether trading or holding Digital Currency is suitable for you.

2 - YOUR COINBOOK ACCOUNT

2.1 Registration

In order to use Coinbook Services, you must register for a Coinbook account. During the registration process, we will ask you for personal and financial information to create a unique, personal account. We may, in our sole discretion, refuse to issue a Coinbook account or limit the number of Coinbook accounts you may hold.

2.2 Identity Verification

During the registration process, Coinbook must collect certain information to verify your identity, enable financial transactions, and prevent illicit activity. That information includes, but is not necessarily limited to, your name, birthdate, and banking information. All collected information will be retained consistent with global data retention standards and in compliance with Coinbook’s Security Policy and Privacy Policy. Users who provide that information agree to allow Coinbook to use and retain user personal information for purposes related to: making additional inquiries necessary to confirm your identity; executing transactions under this Agreement; improving Coinbook services; and complying with all applicable laws, including Know Your Customer laws, Bank Secrecy Act compliance, and anti-money laundering laws. In providing this required information, you confirm that the information is truthful, complete, and updated in a timely manner when any changes occur. If you wish to use our services as a company or other entity you are required to verify your identity as a company.

2.3 Account Usage

Only the registered user may use an account. As the registered user, you shall be solely responsible for the safekeeping of your Coinbook account. That includes maintaining sole control over your Coinbook account and password; strictly observing security and authentication protocols; fully logging out of the website at the end of every visit; and using two factor authentication. You hereby agree that you will notify Coinbook immediately if you are aware of any unauthorized use of your account.
Company accounts may be used only by the person by whom it was registered. Company accounts are not allowed to be shared with or used by other individuals or entities

2.4 Account Limitation, Suspension, and Termination

Occasionally situations arise where we may need to limit, suspend, or terminate your account (hereafter “restrict” or “restriction”). Account limitation results in a temporary or permanent loss of access to a certain specific part or parts of the services Coinbook offers. Suspension results in a temporary loss of access to most of the services we offer, but does not terminate this Agreement. Termination results in permanent loss of access to all services we offer as well as termination of this Agreement.
We have the right to, limit, suspend, or terminate your account or access to the services that we provide to you if required to do so under any applicable law, regulation, government subpoena, or lawful order. Furthermore, we have the right to limit, suspend, or terminate your account if we have reason to believe:

1. that you have acted in violation of this Agreement or applicable laws or regulations, or if we have a reason to believe that any content or material submitted or shared by you in or through the services violates this Agreement or applicable laws or regulations or third-party rights;

2. that you used the services to engage in, attempt to engage in, or in another way connect with fraudulent activity, money laundering, terrorist financing, or other financial crime;

3. that you have supplied false, misleading, or deceptive information in connection with your registration, identity verification, trades or any other use of our services, either to us or to another user;

4. that you make available content or behave in a way that libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, or threatening;

5. that you used the Services in a manner which may cause damage or interruption to the Services, that you attempted to bypass or degrade any of the Service’s security mechanisms, or if Coinbook believes in good faith that such action is reasonably necessary to protect the security of its own Services, property, or brand, or that of its users or third parties;

6. that you attempted any unauthorized access to user accounts or any component of the Service.

We will normally provide you with notice of any restrictive action taken against your account. However, we may limit or terminate your account without prior notice when it is reasonable to do so. You acknowledge that Coinbook’s decision to restrict your account may be based on confidential criteria that are essential to our risk-management and security protocols. Furthermore, we are under no obligation to disclose the details of those protocols to you.
In the event that we restrict your account we will remove the restriction as soon as possible once the reasons for restriction no longer exist.
In the event your account is terminated, you will be permitted to transfer Digital Currency or funds associated with your Coinbook account for ninety (90) days after Account deactivation or cancellation unless such transfer is otherwise prohibited (i) under the law, including but not limited to applicable sanctions programs, or (ii) by a facially valid subpoena or court order.

2.5 Account Cancellation

You may cancel your Coinbook Account at any time by withdrawing all balances and submitting a request for cancellation at https://Coinbook.zendesk.com/hc/en-us/requests/new. You will not incur additional charges for cancelling your Coinbook Account, although you will be required to pay any outstanding amounts owed to Coinbook. You authorize us to cancel or suspend any pending transactions at the time of cancellation, though you may be liable under applicable law to execute a pending transaction in spite of your account cancellation. This Agreement will terminate once your request is processed.

3 – BUYING OR SELLING DIGITAL CURRENCY

3.1 Supported Currency Types

Coinbook will post supported Digital Currency categories on its support website. Coinbook assumes no responsibility or liability in connection with any attempt to use Coinbook Services for digital currencies that Coinbook does not support. In general, and unless specifically announced on our website, we do not support metacoins, colored coins, side chains, tokens, other digital currencies that are considered securities by the SEC, or derivative, enhanced, or forked protocols (collectively, “Advanced Protocols”). If you wish to collect on a coin fork you must withdraw your coins in advance of the fork as Coinbook will not reimburse you for any changes to coins held on your behalf. Do not use your Coinbook Account to attempt to receive, request, send, store, or engage in any other type of transaction involving an Advanced Protocol.

3.2 Conducting Digital Currency Transactions

Coinbook enables transactions between Coinbook (including its owners, subsidiaries, and affiliates) and consumers (collectively “the Parties”). Coinbook will process transactions that adhere to the following format:

1. Advertisement: First, Coinbook will post an advertisement that offers to buy or sell supported Digital Currency at a specified price. Quantities are specified by the user and limited to a maximum trade by Coinbook. Information and payment details provided in advertisements and trades must be correct and up-to-date at all times.

2. Trade Request: Second, a Party may choose to accept the offer according to the terms set forth in the advertisement by sending a trade request. By sending a trade request you agree to be bound by the terms and conditions of the trade as selected and determined by Coinbook and displayed on the advertisement page. The exchange rate, Digital Currency amount payment window, payment method, and other terms and conditions of the trade that are visible on the advertisement page at the time the trade request is sent cannot be altered. By submitting the trade request the user acknowledges that the trade is final upon execution. There will be no refunds, cancellations, or modifications of the terms once the trade request is filled.

3. Execution: A Digital Currency trade automatically begins, according to the instructions in the advertisement, when a user sends a trade request in response to that same advertisement. Coinbook will make every reasonable effort to fulfill the trade as initiated; however, if the market moves rapidly due to high-volume circumstances or unforeseen technical problems, the trade will either be honored or canceled without recourse.

Once submitted to a Digital Currency network, a Digital Currency Transaction will be unconfirmed for a period of time pending sufficient confirmation of the transaction by Coinbook’s trade engine. Funds associated with transactions that are in a pending state will be held in escrow and will not be reflected in your Coinbook account balance. Coinbook’s escrow services will release the funds and Digital Currency upon the transaction’s publication to the Digital Currency’s distributed public ledger. Coinbook cannot reverse a Digital Currency Transaction

Note: Coinbook does not own or control the coin protocol, software, or encryption models underlying Digital Currencies and therefore cannot guarantee their functionality, security, or availability. By using Coinbook Services, you acknowledge and agree that we cannot be held liable for the operation of Digital Currency protocols.

3.3 Coinbook Reservations

Coinbook reserves the right to refuse to process or to cancel any pending Digital Currency Transaction as required by law or in response to a subpoena, court order, or other binding government order or to enforce transaction limits.

3.4 Payment

All payments made in exchange for supported Digital Currencies will be made in U.S. Dollars (USD), unless otherwise specifically noted and accepted in the advertisement. In some cases, you may establish a customizable payment page which will allow Coinbook to transfer USD to your Coinbook account.

From a USD Wallet. You can initiate a deposit into your Coinbook trading account on the Coinbook wallets page (https://Coinbook.com/dashboard/wallets). Deposits generally take 2-4 business days.

Third-Party Payment. We do not accept third party payments at this time. All payments must come from the verified owner of the respective account.

Transaction Delays and Escrow. Digital Currency transactions require a period of time to verify the seller’s ownership and to then transfer ownership to the buyer. Most transfers from Coinbook to a personal wallet address will be submitted to the blockchain immediately; however, for larger requests, we will manually review these transfers which can add up to 2 business days to complete. As mentioned in section 3.2, a transaction’s funds and Digital Currency will be placed in escrow while encryption protocols complete their operation.

3.5 Fraud and Transaction Disputes

You may have occasion to dispute a transaction. If you have reason to dispute a transaction, then you must immediately notify Coinbook of your dispute. If your dispute involves a claim that Coinbook behaved in a fraudulent, misleading, or inappropriate manner, you may notify Coinbook Support by submitting a ticket at https://Coinbook.zendesk.com/hc/en-us/requests/new.

Following receipt of your claim, Coinbook will provide instructions that you are required to follow. The instructions given to you may require additional details regarding your claim, proof that you have or have not made or received payment (e.g. bank transaction history), additional ID verification, or other documents deemed relevant by Coinbook. Coinbook will then consider what action to take, if any.

Coinbook will place any disputed Digital Currency or fiat currency in escrow for the duration of the dispute. We will transfer the escrowed amount to the buyer or the seller once the disputed trade is resolved in their favor. User dissatisfaction with Coinbook’s decision must be resolved in accordance with Coinbook’s Arbitration Policy (below).

4 – FUNDING PURCHASE TRANSACTIONS AND RECEIVING PAYMENT IN USD

4.1 Banking Information

Banking services are provided by Evolve Bank & Trust, Member FDIC. By using our services you authorize coinbook to hold funds on your behalf. You also agree to SynapseFI’s Terms of Service and Privacy Policy.
For more information on Evolve Bank & Trust:
1. Bank Deposit Agreement
2. Privacy Policy

4.2 User Tier Limits
Tier 1 Daily Weekly Monthly Yearly
ACH-Deposits $2,500 $5,000 $15,000 $30,000
WIRE-Deposits $10,000 $20,000 $40,000 $80,000
ACH-Withdrawals $10,000 $20,000 $40,000 $80,000
WIRE-Withdrawals $10,000 $20,000 $40,000 $80,000
Tier 2 Daily Weekly Monthly Yearly
ACH-Deposits $5,000 $10,000 $30,000 $60,000
WIRE-Deposits $25,000 $50,000 $100,000 $200,000
ACH-Withdrawals $25,000 $50,000 $100,000 $200,000
WIRE-Withdrawals $25,000 $50,000 $100,000 $200,000
Tier 3 Daily Weekly Monthly Yearly
ACH-Deposits $15,000 $30,000 $60,000 $120,000
WIRE-Deposits $75,000 $150,000 $200,000 $400,000
ACH-Withdrawals $75,000 $150,000 $200,000 $400,000
WIRE-Withdrawals $75,000 $150,000 $200,000 $400,000
4.3 User Purchase Transactions

You authorize Coinbook to initiate debits from your selected payment method(s) in settlement of purchase transactions in addition to banking or digital currency transaction fees. Although Coinbook will attempt to deliver purchased Digital Currency to you as promptly as possible, funds may be debited from your selected payment method before Digital Currency is delivered to your Coinbook account. We may debit your selected payment method, such as your bank account or credit card, as soon as the same day you initiate the purchase. However, your payment may take 3 or more business days to process. To secure the performance of your obligations under this Agreement, you grant to Coinbook a lien on and security interest in and to the balances in your account.

4.4 User Sale Transactions

After successfully completing the Verification Procedures, you may sell supported Digital Currency to Coinbook by linking a valid payment-reception method to your account. Your receipt of funds will depend on the payment type, and may take up to 3 or more business days after the Digital Currency network confirms transfer of ownership.

4.5 Electronic Fund Transfer Disclosure Statement For ACH

The following disclosures are made in accordance with the federal law regarding electronicpayments, deposits, transfers of funds and other electronic transfers to and from your account(s).There may be limitations on account activity that restrict your ability to make electronic fundtransfers. Any such limits are disclosed in the appropriate agreements governing your account.

A. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originatedby check, draft or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronictransactions as direct deposits or withdrawals of funds, transfers initiated via telephone, website ormobile application. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that youhave authorized in advance to recur at substantially regular intervals; for example, direct depositsinto or withdrawal of funds out of your account.

B. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe youraccount or PIN or access information is lost or stolen or has been or may besubject tounauthorized Electronic Fund Transfers. Support message us immediately to keep your possiblelosses to a minimum. You could lose all the money in your account(s). If you tell us within two (2)business days after learning of the loss or theft of your account access device, or after learning ofany other unauthorized transfers from your account involving your account access device, you canlose no more than $50 if Electronic Fund Transfers are made without your permission. For thesetransactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft orunauthorized use, and we can establish that we could have prevented the unauthorized transfer(s)if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statementwas delivered to you, you may not get back any money you lose after the sixty (60) day period if wecan prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If anextenuating circumstance (such as extended travel or hospitalization) prevents you from promptlynotifying us of a suspected lost or stolen access device or of any other suspected unauthorizedtransfer(s), the time periods specified in this Section B may be extended for a reasonable period.

4.6 Bank Wires

Payment Order
User may only initiate a Wire Transaction via the website. User is solelyresponsible for the accuracy of the information contained in the payment order. The Wiretransactions shall be completed relying exclusively on the information and numbers given by Userin the Website. Bank has no duty to determine whether the name and bank account number referto the same person, bank, or account. Platform nor Evolve will not take any responsibility fordetecting erroneous payment orders.

Security Procedures
User will be required to use a Two-Factor Authentication control, in addition to its login, to authorizea Wire Transaction. User agrees that this control is an appropriate Security Procedure designed to verify the authenticity of the order, and not to detect errors in transmission. User agrees that thisSecurity Procedure is a commercially reasonable method of providing security against unauthorizedpayment orders and that User shall be bound by any payment order, whether or not authorized,issued in its name and accepted by the Bank in compliance with the Security Procedures.

Authorization to Transfer Funds
Via the Wire services, User authorizes Bank to execute payment orders on User's behalf and todebit User's account specified in the payment order for the amount of such transfer.

No Cancellation
All Wire requests be final and shall not be subject to stop payment or recall orders.

Time Restrictions
Daily time restrictions for wire acceptance should be noted in disclosures and an FAQ page. 10:00AM PST is the cut off time for international wires,1:00 PM PST is the cut off time for domestic wire transfers. Any wire transfer instructions received after these times will be processed the followingbusiness day.

4.7 Reversals, Cancellations, and Failed Transactions

As noted above, Coinbook cannot reverse any transaction that has posted to a distributed digital currency network. You, as the user, cannot cancel, reverse, or change any transaction marked as complete or pending. If your payment is not successful or if your payment method has insufficient funds, you authorize Coinbook, in its sole discretion, either to cancel the transaction or to debit your other payment methods, including placing a lien against your accounts, in any amount necessary to complete the transaction at the contracted price. The user is responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, liens, or similar fees charged by your payment provider. Coinbook reserves the right to refuse to process, or to cancel or reverse, any purchases or sales of Digital Currency in its sole discretion, even after funds have been debited from your account(s): if Coinbook suspects the transaction involves (or has a high risk of involvement in) money laundering, terrorist financing, fraud, or other type of financial crime; in response to a subpoena, court order, or other government order; if Coinbook reasonably suspects that the transaction is erroneous; or if Coinbook suspects the transaction relates to a Prohibited Use or a Prohibited Business.

4.8 Bank Error Resolution

A. Errors or Questions about Transactions. Please contact us by emailing us at support@coinbook.zendesk.com (1) if you believe a transaction receipt or a statement is wrong, or (2) ifyou need more information about a transaction on the receipt or statement. For consumeraccounts, we must hear from you no later than sixty (60) days after we sent you the firststatement on which the error or problem appeared. For business accounts, we must hearfrom you within one (1) business day of us sending you a receipt. Your inquiry mustinclude: (x) your name, email associated with your account, and your account number (ifavailable); (y) a description of the error or the transaction you are unsure about, and aclear explanation of why you believe there is an error or why you need more information;and (z) the dollar amount of the suspected error. If you tell us orally, we may require thatyou send us your inquiry via email within ten (10) business days

B. Time Periods Errors or Questions about Transactions. Please contact us by emailing us at support@coinbook.zendesk.com (1) if you believe a transaction receipt or a statement is wrong, or (2) ifyou need more information about a transaction on the receipt or statement. For consumeraccounts, we must hear from you no later than sixty (60) days after we sent you the firststatement on which the error or problem appeared. For business accounts, we must hearfrom you within one (1) business day of us sending you a receipt. Your inquiry mustinclude: (x) your name, email associated with your account, and your account number (ifavailable); (y) a description of the error or the transaction you are unsure about, and aclear explanation of why you believe there is an error or why you need more information;and (z) the dollar amount of the suspected error. If you tell us orally, we may require thatyou send us your inquiry via email within ten (10) business days

1. Ten-Day Time Period Coinbook will investigate promptly and, exceptas otherwise provided in this paragraph, shall determine whether an error occurredwithin 10 business days of receiving a notice of error. Coinbook shallreport the results to the consumer in writing within three business days aftercompleting its investigation. Coinbook shall correct the error within onebusiness day after determining that an error occurred.

2. Forty Five-Day Time Period if Coinbook is unable to complete itsinvestigation within 10 business days, Coinbook may take up to 45days from receipt of a notice of error to investigate and determine whether an erroroccurred, provided Coinbook does the following:

a) Provisionally credits the consumer's account in the amount of the alleged error(including interest where applicable) within 10 business days of receiving the errornotice. Coinbook need not provisionally credit the consumer'saccount if:(1) Coinbook does not receive written confirmation within 10business days of an oral notice of error; or(2) The alleged error involves an account that is subject to Regulation T(Securities Credit by Brokers and Dealers, 12 CFR part 220)b) Informs the consumer, within two business days after the provisional crediting, ofthe amount and date of the provisional crediting and gives the consumer full useof the funds during the investigation;c) Corrects the error, if any, within one business day after determining that an erroroccurred; and15/17. d) Reports the results to the consumer within three business days after completingits investigation (including, if applicable, notice that a provisional credit has beenmade final).

3. Extension of time periods.

The time periods described above may be extended asfollows:a) Extension of Ten-Day Time Period - The time limit for resolution is extended to20 business days in place of 10 business days if the notice of error involves anelectronic fund transfer to or from the account within 30 days after the first depositto the account was made; orb) Extension of Forty Five-Day Time Period - The time limit for resolution isextended to 90 days in place of 45 days for completing an investigation, if a noticeof error involves an electronic fund transfer that occurred within 30 days after thefirst deposit to the account was made.

5 – MISCELLANEOUS

5.1 Taxes

It is the User’s sole responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the Coinbook Services. To facilitate tax payment and recordkeeping, your transaction history will be made available to you through your Coinbook Account.

5.2 Unclaimed Property

If Coinbook is holding funds in your account and is unable to contact you and has no record of your use of the Services for several years, applicable law may require Coinbook to report these funds as unclaimed property to the applicable jurisdiction. If this occurs, Coinbook will try to locate you at the address shown in our records. If Coinbook is unable to locate you, it may be required to deliver any such funds to the applicable state or jurisdiction as unclaimed property. Coinbook reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.

5.3 Arbitration; Waiver of Class Action

If you have a dispute with Coinbook, we will attempt to resolve any such disputes through our support team. If we cannot resolve the dispute through our support team, you and we agree that any dispute arising under this Agreement shall be finally settled in binding arbitration, on an individual basis, in accordance with the American Arbitration Association's rules for arbitration of consumer-related disputes (accessible at https://www.adr.org/sites/default/files/Consumer%20Rules.pdf). By so doing, you and Coinbook hereby expressly waive trial by jury and right to participate in a class-action lawsuit or class-wide arbitration. The arbitration will be conducted by a single, neutral arbitrator and shall take place at the location nearest to Coinbook’s principal place of business, or another mutually agreed upon location, in the English language. The arbitrator may award any relief that a court of competent jurisdiction could award, including attorneys' fees when authorized by law. The arbitral decision may be enforced in any court of competent jurisdiction. At your request, hearings may be conducted in person or by telephone, and the arbitrator may allow arbitration through the submission and determination of motions by brief, without oral hearings. The prevailing party in any action or proceeding to enforce this agreement shall be entitled to costs and attorneys' fees.

If the arbitrator(s) or arbitration administrator would impose filing fees or other administrative costs on you, we will reimburse you, upon request, to the extent such fees or costs would exceed those that you would otherwise have to pay if you were proceeding instead in a court. We will also pay additional fees or costs if required to do so by the arbitration administrator's rules or applicable law. Apart from the foregoing, each Party will be responsible for any other fees or costs, such as attorney fees that the Party may incur. If a court decides that any provision of this section 7.2 is invalid or unenforceable, that provision shall be severed and the other parts of this section 7.2 shall still apply. In any case, the remainder of this User Agreement will remain in force.

5.4 Indemnification

You agree to indemnify and hold Coinbook, its affiliates and Service Providers, and each of its or their respective officers, directors, agents, joint venturers, employees and representatives, harmless from any claim or demand (including attorneys' fees and any fines, fees or penalties imposed by any regulatory authority) arising out of or related to your breach of this Agreement or your violation of any law, rule or regulation, or the rights of any third party.

5.5 Limitation of Liability; No Warranty

IN NO EVENT SHALL COINBOOK, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES OR REPRESENTATIVES, BE LIABLE (A) FOR ANY AMOUNT GREATER THAN THE VALUE OF THE SUPPORTED DIGITAL CURRENCY ON DEPOSIT IN YOUR COINBOOK ACCOUNT OR (B) FOR ANY LOST PROFITS OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH AUTHORIZED OR UNAUTHORIZED USE OF THE COINBOOK SITE OR THE COINBOOK SERVICES, OR THIS AGREEMENT, EVEN IF AN AUTHORIZED REPRESENTATIVE OF COINBOOK HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. THIS MEANS, BY WAY OF EXAMPLE ONLY (AND WITHOUT LIMITING THE SCOPE OF THE PRECEDING SENTENCE), THAT IF YOU CLAIM THAT COINBOOK FAILED TO PROCESS A BUY OR SELL TRANSACTION PROPERLY, YOUR DAMAGES ARE LIMITED TO NO MORE THAN THE VALUE OF THE SUPPORTED DIGITAL CURRENCY AT ISSUE IN THE TRANSACTION, AND THAT YOU MAY NOT RECOVER FOR LOST PROFITS, LOST BUSINESS OPPORTUNITES, OR OTHER TYPES OF SPECIAL, INCIDENTIAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES IN EXCESS OF THE VALUE OF THE SUPPORTED DIGITAL CURRENCY AT ISSUE IN THE TRANSACTION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

THE COINBOOK SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COINBOOK SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. COINBOOK DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT ACCESS TO THE SITE, ANY PART OF THE COINBOOK SERVICES, OR ANY OF THE MATERIALS CONTAINED THEREIN, WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR ERROR-FREE.

Users bear responsibility for researching Digital Currency values. Coinbook makes no representations about the accuracy or completeness of historical Digital Currency price data available on the Site. Coinbook will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and check issuances are processed in a timely manner but makes no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control.

5.6 Entire Agreement

This Agreement, the Privacy Policy, E-Sign Consent, and Appendices incorporated by reference herein comprise the entire understanding and agreement between you and Coinbook as to the subject matter hereof, and supersedes any and all prior discussions, agreements and understandings of any kind (including without limitation any prior versions of this Agreement) between you and Coinbook. Section headings in this Agreement are for convenience only, and shall not govern the meaning or interpretation of any provision of this Agreement.

5.7 Amendments

We may amend or modify this Agreement by posting on the Coinbook Site or by sending email to the address affiliated with your Account the revised Agreement, and the revised Agreement shall be effective at such time. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services and close your account. If the revised Agreement includes a material change, we will endeavor to provide you advanced notice via our website and/or email before the material change becomes effective.

5.8 Assignment

You may not assign any rights and/or licenses granted under this Agreement. We reserve the right to assign our rights without restriction, including without limitation to any Coinbook affiliates or subsidiaries, or to any successor in interest of any business associated with the Coinbook Services. Any attempted transfer or assignment in violation hereof shall be null and void. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns

5.9 Severability

If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law or regulation or any governmental agency, local, state, or federal, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.

5.10 Change of Control

In the event that Coinbook is acquired by or merged with a third-party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control.

5.11 Survival

All provisions of this Agreement which by their nature extend beyond the expiration or termination of this Agreement (including sections pertaining to suspension, termination, or account cancellation; debts owed to Coinbook; disputes with Coinbook; etc.) shall survive the termination or expiration of this Agreement.

5.12. Governing Law

You agree that the laws of the State of Utah, without regard to principles of conflict of laws, will govern this Agreement and any claim or dispute that has arisen or may arise between you and Coinbook, except to the extent governed by federal law.

5.13 Force Majeure

We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

5.14. English Language Controls

Notwithstanding any other provision of this Agreement, any translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English

5.15. Non-Waiver of Rights

This agreement shall not be construed to waive rights that cannot be waived under applicable state money transmission laws in the state where you are located.

Integration

(385) 247-COIN