Legal y privacidad

Bermuda

Bermuda Digital Asset Business (DAB) License,

No. 54786

Bermuda Monetary Authority, BMA House, 43 Victoria Street, Hamilton HM12

France

Electronic Money Institution LicenseNo. 17788

Autorité de Contrôle Prudentiel et de Résolution4 Place de BudapestCS 9245975436 Paris Cedex 09

Singapur

Major Payment Institution License

No. PS20200630

Monetary Authority of Singapore10 Shenton Way, MAS Building Singapore 079117

If you have any questions or complaints with respect to the business of Circle Internet Singapore Pte. Ltd., please reach out to [email protected]

UK

Financial Conduct Authority E-Money Issuer License,

No. 900480

Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN

Alabama

Alabama - SC Money Transmitter License, SC514

Alabama Securities Commission

Alaska

Alaska Money Transmitter License, AKMT-10090

For Alaska Residents Only

Please note that this license does not cover the transmission of virtual currency. If your issue is unresolved by Circle Internet Financial, LLC., (888) 762-4966, please submit formal complaints with the State of Alaska, Division of Banking & Securities. Please download the form here.

Submit formal complaint form with supporting documents:

Division of Banking & SecuritiesPO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at [email protected] or call Nine Zero Seven Four Six Five Two Five Two One

Arizona

Arizona Money Transmitter License, 0927830

Arizona Department of Insurance and Financial Institutions

For Arizona Residents Only:

If you have questions or a complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966 or visit the Circle Support Portal. After first contacting Circle, if you still have an unresolved question or complaint regarding the company's regulated activity, please direct your complaint to:

Arizona Department of Insurance and Financial Institutions

Toll-free: (800) 544-0708

Arkansas

Arkansas Money Transmitter License, 43388

Arkansas Securities Department

California

California DFPI Money Transmitter License Circle Payments, LLC - NMLS ID: 1415802; License Number 2549

California Department of Financial Protection and Innovation Division of Financial Institutions

For California Residents Only

California money transmission services are provided by Circle Payments, LLC, NMLS # 1415802. Circle Payments, LLC's licensed activity is limited to fiat offerings in the state of California and is not inclusive of digital assets offerings. In California, Circle Payments, LLC is licensed as a money transmitter (NMLS ID: 1415802; License Number 2549). If you have questions or a complaint, please first contact Circle at (888) 762-4966 or visit the Circle Support Portal.

If you have complaints with respect to any aspect of the money transmission activities conducted by this licensee, you may contact the California Department of Financial Protection and Innovation at its toll-free telephone number, 1-866-275-2677, by e-mail at [email protected], or by mail at: Department of Financial Protection and Innovation Attn: Consumer Services Office 2101 Arena Blvd Sacramento, CA 95834

Colorado

Colorado - DOB Money Transmitters License, 500223

Colorado Department of Regulatory Agencies Division of Banking

For Colorado Residents Only

Please note that the license issued to Circle by the Colorado Division of Banking does not cover the exchange or transmission of virtual currency. The Colorado Division of Banking does not license or regulate services related to virtual currency, including, but not limited to, transmission or exchange of virtual currency which may be conducted by Circle.

Colorado Consumer Notice

Connecticut

Connecticut Money Transmission License MT-1201441 (NMLS ID: 1201441)

Connecticut Department of Banking

Delaware

Delaware Check Seller, Money Transmitter License, 019238

Delaware Office of the State Bank Commissioner

District of Columbia

District of Columbia Money Transmitter License, MTR1201441

District of Columbia Department of Insurance, Securities and Banking

Florida

Money Transmitter License, FT230000121

Florida Office of Financial Regulation

For Florida Residents Only

If you have a complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966, visit the Circle Support Portal, or by mail at 99 High Street, Suite 1801, Boston, MA 02110. After first contacting Circle, if you still have an unresolved complaint regaing the company's regulated activity, please direct your complaint to:Florida Office of Financial Regulation

Division of Finance 200 E. Gaines StreetTallahassee, FL 32399-0376Toll-Free Number: 1-800-848-3792NOTICE: By the Florida Office of Financial Regulation

By granting Circle a license, the Florida Office of Financial Regulation is not endorsing the use of digital or virtual currencies.

U.S. currency is legal tender backed by the U.S. government. Digital and virtual currencies are not issued or backed by the U.S. government, or related in any way to U.S. currency, and have fewer regulatory protections. The value of digital and virtual currencies is derived from supply and demand in the global marketplace which can rise or fall independently of any fiat (government) currency. Holding digital and virtual currencies carries exchange rate and other types of risk. Potential users of digital or virtual currencies, including but not limited to Bitcoin, should be forewarned of a possible financial loss at the time that such currencies are exchanged for fiat currency due to an unfavorable exchange rate. A favorable exchange rate at the time of exchange can result in a tax liability. Please consult your tax advisor regarding any tax consequences associated with your holding or use of digital or virtual currencies.

Georgia

Georgia Seller of Payment Instruments License, 42767 (NMLS# 1201441)

Georgia Department of Banking and Finance

Idaho

Idaho Money Transmitters, MTL-170

Idaho Department of Finance Securities Bureau

Illinois

Illinois Money Transmitter License, MT.0000276

Illinois Department of Financial and Professional Regulation

For Illinois Residents Only

Illinois customers with questions about compliance with the Illinois Transmitter of Money Act may contact the Illinois Department of Financial Institutions Currency Exchange Section at (888) 298 8089 (toll-free).

Indiana

Indiana-DFI Money Transmitter License, 41350

Indiana Department of Financial Institutions

Iowa

Iowa Money Services License, 2014-0082

Iowa Division of Banking - Finance Bureau

Kansas

Kansas Money Transmitter License, MT.00000077

Kansas Office of the State Bank Commissioner

Kentucky

Kentucky Money Transmitter License, SC292165

Kentucky Department of Financial Institutions

For Kentucky Residents Only

Circle is licensed by the Kentucky Department of Financial Institutions as a money transmitter. Please note that the license issued to Circle by the Kentucky Department of Financial Institutions does not cover the exchange or transmission of virtual currency. The Kentucky Department of Financial Institutions does not currently license or regulate services related to virtual currency including but not limited to transmission or exchange which may be conducted by Circle.

Louisiana

Louisiana Sale of Checks and Money Transmitters, 1201441

Louisiana Office of Financial Institutions

For Louisiana Residents Only

The Louisiana Office of Financial Institutions does not currently license or regulate services related to virtual currency including but not limited to transmission or exchange which may be conducted by Circle.

Maine

Maine Money Transmitter License, MD1503

Maine Department of Professional & Financial Regulation Bureau of Financial Institutions

Maryland

Maryland Money Transmitter License, 1201441

Maryland Commissioner of Financial Regulation

For Maryland Residents Only

Circle Internet Financial, LLC is licensed as a money transmitter by the The Commissioner of Financial Regulation for the State of Maryland (NMLS# 1201441). Verification of the licensing status of Circle Internet Financial, LLC may be obtained here. The Maryland Commissioner of Financial Regulation will accept all questions or complaints from Maryland residents regarding Circle Internet Financial, LLC (NMLS#1201441) at 1100 North Eutaw Street, Suite 611, Baltimore, MD 21201, Toll-Free Number 1-888-784-0136. Please note that the license issued to Circle by the Maryland Department of Labor, Licensing and Regulation does not cover the exchange or transmission of virtual currency. The Maryland Department of Labor, Licensing and Regulation does not currently license or regulate services related to virtual currency including but not limited to transmission or exchange which may be conducted by Circle.

Massachusetts

Massachusetts Foreign Transmittal Agency, FT1201441

Massachusetts Division of Banks

Michigan

Michigan Money Transmitter License, MT0019361

Michigan Department of Insurance and Financial Services

Minnesota

Minnesota Money Transmitter License, MN–MT–1201441

Minnesota Department of Commerce

For Minnesota Residents Only

Circle is licensed by the Minnesota Department of Commerce as a money transmitter. A transfer of fiat or virtual currency can be paid out to a recipient within a short time. After the currency is paid out, you may not be able to obtain a refund from Circle, even if the transfer was the result of fraud, except under limited circumstances. If you have a complaint, or wish to report fraud or suspected fraud, please first contact Circle Support by contacting its phone number, (888) 762-4966, or by visiting the Circle Support Portal.

Mississippi

Mississippi Money Transmitter License, 002535

Mississippi Department of Banking and Consumer Finance

Missouri

Missouri Sale of Checks and Money Transmitter License, MO-21-7680

Missouri Division of Finance

Montana

No license is currently required under State law.

Nebraska

Nebraska Money Transmitter License, 1201441

Nebraska Department of Banking & Finance Financial Institutions

Nevada

Nevada - FID Money Transmitter License, MT11061

If you have a question or complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966 or visit Circle Support Portal. After first contacting Circle, customers may contact the Division of Financial Institutions with questions or complaints regarding the money transmission services:

Nevada Financial Institutions Division3300 W. Sahara AvenueSuite 250Las Vegas, Nevada, 89102(702)486-4120

New Hampshire

New Hampshire Money Transmitter License, 19540-MT

New Hampshire Banking Department

New Jersey

Money Transmitter License, 19540-MT

New Jersey Department of Banking and Insurance, Licensing Services Bureau - Banking

New Mexico

New Mexico Money Transmission License

New Mexico Regulation & Licensing Department Financial Institutions Division

New York

Virtual Currency License, BL000001 New York Money Transmitter License, MT103539

New York Department of Financial Services

For New York Residents Only

Circle Internet Financial, LLC is licensed and regulated as a Money Transmitter and to conduct business involving virtual currency by the New York Department of Financial Services. If you have a complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966 or visit the Circle Support Portal.

After first contacting Circle, if you still have an unresolved complaint regarding the company's regulated activity, please direct your complaint to:

New York Department of Financial Service

Consumer Assistance Unit NYS Department of Financial Services One Commerce Plaza Albany, NY 12257 Toll-Free Number: 1-877-226-5697

Please note the following disclosures associated with virtual currency:

1. Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections;
2. Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of virtual currency;
3. Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable;
4. Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction;
5. The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency should the market for that virtual currency disappear;
6. There is no assurance that a person who accepts a virtual currency as payment today will continue to do so in the future;
7. The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in significant loss over a short period of time;
8. The nature of virtual currency may lead to an increased risk of fraud or cyber attack;
9. The nature of virtual currency means that any technological difficulties experienced by Circle may prevent the access or use of a customer's virtual currency; and
10. Any bond or trust account maintained by Circle for the benefit of its customers may not be sufficient to cover all losses incurred by customers.

Additionally, the following further disclosures are applicable to Circle’s virtual currency customers:

1. You may be liable for unauthorized virtual currency transactions occurring on your Circle Mint account. For more information regarding the circumstances under which you may be liable for unauthorized virtual currency transactions, please see Section 24 of the Circle Mint account Agreement.
2. Circle does not currently support preauthorized virtual currency transfers.
3. Circle may, from time to time, disclose information concerning your Circle Mint account to third parties. For more information regarding how Circle collects, uses, stores, shares and protects your information, please see the Circle Privacy Policy.
4. Circle will not provide periodic account statements to you. However, your transaction history is always available on Circle. It is important for you to understand that it is your sole responsibility to review your transaction history and any notices. You also understand that for the purposes of review and acknowledgment, you agree to be deemed to have reviewed your transaction history and all notices on at least a monthly basis. Your transaction history contains all of your trading activity, including pending transactions, deposits and withdrawals, as well as your fiat currency and virtual currency balances; however, please note that nothing in your transaction history should be treated as a valuation.
5. After each transaction has been placed, Circle will send you a receipt evidencing your transaction via email. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
6. Circle reserves the right to change these Terms at any time, with or without advance notice to you, as the case may be. For more information on amendments to these Terms, please see Section 26.

North Carolina

North Carolina Money Transmitter License, 161915

North Carolina Commissioner of Banks

North Dakota

North Dakota Money Transmitter License, MT102734

North Dakota Department of Financial Institutions

Ohio

Ohio Money Transmitter License, OHMT097

Ohio Department of Commerce

Oklahoma

Oklahoma - DOB Money Transmission License

Oklahoma State Banking Department

Oregon

Oregon Money Transmitter License, MTX-30151

Oregon Division of Financial Regulation

Pennsylvania

Pennsylvania Money Transmitter, 51216

Pennsylvania Department of Banking and Securities

Puerto Rico

Puerto Rico Money Transmitter License, TM-054

Puerto Rico Office of the Commissioner of Financial Institutions

Rhode Island

Rhode Island Currency Transmitter, 20203910CT

Rhode Island Department of Business Regulation

For Rhode Island Residents Only

Please note the following disclosures associated with virtual currency:

1. A schedule of fees that Circle may charge in connection with the Services may be found here.
2. Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.
3. Transactions in virtual currency are irrevocable, and, accordingly, losses due to fraudulent or accidental transactions may result in the loss of your money with no recourse.
4. When any transaction occurs using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible by email at [email protected]. It is important that you regularly check your Circle Mint account balances and your transaction history regularly to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. We are not responsible for any claim for unauthorized or incorrect transactions unless you have notified us in accordance with Section 24. Should you wish to update your contact information held by Circle, you may log into your Circle Mint account or email us at[email protected].
5. The date or time when the transfer or exchange is made and your account is debited may differ from the date or time when you initiate the instruction to make the transfer or exchange.
6. Circle does not currently support preauthorized virtual currency transfers..
7. After each transaction has been placed, Circle will send you a receipt evidencing your transaction via email. Further evidence of your transactions will be available to you in your transaction history, as discussed above.

South Carolina

South Carolina - AG Money Transmitter License

South Carolina Office of the Attorney General

South Dakota

South Dakota Money Transmitter License, 1201441.MT

South Dakota Department of Labor Regulation & Regulation Division of Banking

Tennessee

Tennessee Money Transmitter License, 1201441

Tennessee Department of Financial Institutions

For Tennessee Residents Only

Please note that this license and the required surety bond do not cover the transmission of virtual currency. Circle is licensed by the Tennessee Department of Financial Institutions as a money transmitter. The Tennessee Department of Financial Institutions does not regulate virtual currency.

Texas

Texas - DOB Money Transmitter License, 3117

Texas Department of Banking

For Texas Residents

If you have a complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966 or visit the Circle Support Portal.

After first contacting Circle, if you still have an unresolved complaint regarding the company's regulated activity, please direct your complaint to:

Texas Department of Banking

2601 North Lamar Boulevard,

Austin, Texas 78705

Toll-Free Number: 1-877-276-5554

www.dob.texas.gov

Utah

Utah-DFI Money Transmitter License, 122

Utah Department of Financial Institutions

Vermont

Vermont Money Transmitter, 100-074

Vermont Department of Financial Regulation

Virginia

Virginia Money Order Seller and Money Transmitter License, MO-302

Virginia Bureau of Financial Institutions

Washington

Washington Money Transmitter, 550-MT-91117

Washington Department of Financial Institutions

For Washington Residents

Fraudulent transactions may result in the loss of your money with no recourse. If you have a complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966 or visit Circle Support Portal. After first contacting Circle, if you still have an unresolved complaint regarding the company's regulated activity, please direct your complaint to:

Washington Department of Financial Institutions

File a complaint online, mail, or fax: https://dfi.wa.gov/file-complaint

Call: (360) 902-8703 or 1-877-RING DFI (1-877-746-4334)

Email us: [email protected]

In addition, please note the following disclosures associated with transactions with virtual currency:

1. A schedule of fees that Circle may charge in connection with the Services may be found here.
2. Virtual Currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.
3. Transactions in virtual currency are irrevocable, and, accordingly, losses due to fraudulent or accidental transactions may result in the loss of your money with no recourse.
4. When any transaction occurs using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible by email at [email protected]. It is important that you regularly check your Circle Mint account balances and your transaction history regularly to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. We are not responsible for any claim for unauthorized or incorrect transactions unless you have notified us in accordance with Section 24.
5. The nature of virtual currency may lead to an increased risk of fraud or cyber attack and your virtual currency value may be irretrievably stolen.

West Virginia

West Virginia Money Transmitter License, MT-1201441

West Virginia Division of Financial Institutions

Wisconsin

No license is currently required under State law.

Wyoming

No license is currently required under State law.