Legal & Privacy

Circle Internet Trust Company LLC, d/b/a Circle New York Trust is chartered as a limited purpose trust company by the New York State Department of Financial Services to engage in virtual currency business.

If you have a complaint, please first contact Circle New York Trust by: email at [email protected], visiting Circle Support Portal, via phone at (888) 762-4966, or by mail at 1 Lincoln Street, Suite 31-113, Boston, MA 02111.

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 Services

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

For Alaska Residents Only

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 & Securities

550 W. 7th Avenue, Suite 1850 Anchorage, Alaska 99501

If you are an Alaska resident with questions regarding formal complaints, please email [email protected] or call (907) 269-8140.

For Arizona Residents Only

If you have questions or 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 question or complaint regarding the company's regulated activity, please direct your question or complaint to:

Arizona Department of Insurance and Financial Institutions

Toll-free: (800) 544-0708

For Arkansas Residents Only

Fraudulent transactions may result in the loss of your money with no recourse. If you suspect fraud or believe you have been the victim of fraud involving a transaction with your Circle Account, immediately contact Circle Internet Financial, LLC at (888) 762-4966 or visit Circle Support Portal to report fraud or suspected fraud. 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.

For California Residents Only

If you have questions or 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 question or complaint regarding the company's regulated activity, please direct your complaint to:

California Department of Financial Protection and Innovation

Telephone: (866) 275-2677

Please note the following disclosures associated with digital financial assets:

• A schedule of fees that Circle may charge in connection with the Services may be found here.
• The Services provided by Circle are not covered by Federal Deposit Insurance Corporation (FDIC) insurance, Securities Investor Protection Corporation (SIPC) protection, or any other federal government insurance or guarantee against loss. In addition, Circle does not maintain private insurance that protects customers against theft or loss of digital financial assets.
• Transactions in digital financial assets are irrevocable, and, accordingly, losses due to fraudulent or accidental transactions may result in the loss of your money with no recourse.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• 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.
• Circle does not currently support preauthorized digital financial asset transfers.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.
• Digital financial assets are not recognized as legal tender by California or the United States.

For Colorado Residents Only

If you have questions or 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 question or complaint regarding the company's regulated activity, please direct your question or complaint to the Colorado Division of Banking:

Colorado Consumer Notice

303-894-7575

For Connecticut Residents Only

If you have questions or 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 question or complaint regarding the company's regulated activity, please direct your question or complaint to:

Connecticut Department of Banking (800)831-7225.

Please note the following disclosures associated with virtual currency:

• LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.
• Virtual currency is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections;
• Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which may not be the date or time when the customer initiates the virtual currency transaction;
• 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 permanent and total loss of the value of a particular virtual currency, if the market for that virtual currency disappears;
• The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in a significant loss over a short period of time;
• Any bond maintained by the licensee for the benefit of the customers of such licensee may not be sufficient to cover all losses incurred by such customers; and
• Virtual currency transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved one, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency or alleging a customer's personal computer has been hacked.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions.Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• Circle does not currently support preauthorized virtual currency transfers.
• Circle may, from time to time, disclose information concerning your Circle Account to third parties. For more information regarding how Circle collects, uses, stores, shares and protects your information, please see the Circle Privacy Policy.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.

For Delaware Residents Only

Please note the following disclosures associated with virtual currency:

• A schedule of fees that Circle may charge in connection with the Services may be found here.
• 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, or any other public or private insurer, including cyber theft or theft by other means.
• 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.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• 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.
• Circle does not currently support preauthorized virtual currency transfers.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.
• Virtual currency is not money.

For Florida Residents Only

If you have a complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966, through 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 question or complaint to: Florida Office of Financial Regulation

Division of Consumer Finance 200 E. Gaines Street Tallahassee, FL 32399-0376 (850) 487-9687

For Illinois Residents Only

If you have questions or 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 question or complaint regarding the company's regulated activity, please direct your question or complaint to: Illinois Department of Financial and Professional Regulation (888) 473-4858

For Indiana Residents Only

The Indiana 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.

For Kansas Residents Only

If you have questions or 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 question or complaint regarding the company’s regulated activity, please direct your question or complaint to: Kansas Office of the State Bank Commissioner (785) 380-3939

For Louisiana Residents Only

Please note the following disclosures associated with virtual currency:

• Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections;
• Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the value of virtual currency;
• Transaction in virtual currency may be irreversible, and accordingly, losses due to fraudulent or accidental transactions may not be recoverable;
• Some virtual currency transactions may be immediately effective when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction;
• The value of virtual currency may be derived from the continued willingness of market participants to exchange legal tender for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency if the market for the virtual currency declines or collapses for an extended period of time.
• Any surety bond required by law for the benefit of customers may not be sufficient to cover all losses incurred by customers.
• Customers should perform research before purchasing or investing in virtual currency.
• Circle may, from time to time, disclose information concerning your Circle Account to third parties. For more information regarding how Circle collects, uses, stores, shares and protects your information, please see the Circle Privacy Policy.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold 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 the terms governing your Circle Account. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• Circle does not currently support preauthorized virtual currency transfers.
• Circle will not provide periodic account statements to you. However, if you have a Circle Account, 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.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed.

For Maine Residents Only

If you have questions or 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 question or complaint regarding the company's regulated activity, please direct your complaint to: Maine Department of Professional & Financial Regulation Bureau of Financial Institutions Telephone Number: 800-332-8529 (toll free in Maine)

Please note the following disclosures associated with virtual currency:

• A schedule of fees that Circle may charge in connection with the Services may be found here.
• 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, or any other public or private insurer, including cyber theft or theft by other means.
• 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.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• 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.
• Circle does not currently support preauthorized virtual currency transfers.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.
• Virtual currency is not money.

For Maryland Residents Only

Circle Internet Financial, LLC is licensed as a money transmitter by 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 Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Circle Internet Financial, LLC (NMLS#1201441) at 100 S. Charles Street Tower 1, Suite 5300, Baltimore, MD 21201, Toll-Free Number 1-888-784-0136.

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 questions or 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 question or complaint regarding the company's regulated activity, please direct your complaint to: Minnesota Department of Commerce Toll-Free Number: 800-657-3602.

Please note the following disclosures associated with virtual currency:

• A schedule of fees that Circle may charge in connection with the Services may be found here.
• 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, or any other public or private insurer, including cyber theft or theft by other means.
• 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.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• 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.
• Circle does not currently support preauthorized virtual currency transfers.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.
• Virtual currency is not money.
• IF YOU ARE BEING THREATENED OR TOLD THE TRANSACTION MUST BE COMPLETED QUICKLY, A SCAMMER MIGHT BE ATTEMPTING TO TAKE ADVANTAGE OF YOU. IF YOU ARE BEING WATCHED OR TOLD YOU ARE BEING WATCHED, DO NOT COMPLETE THE TRANSACTION AND IMMEDIATELY CONTACT LAW ENFORCEMENT.

For Mississippi Residents Only

Fraudulent transactions may result in the loss of your money with no recourse. If you suspect fraud or believe you have been the victim of fraud involving a transaction with your Circle Account, immediately contact Circle Internet Financial, LLC at (888) 762-4966 or visit Circle Support Portal to report fraud or suspected fraud. 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.

Nevada Financial Institutions Division 3300 W. Sahara Avenue, Suite 250 Las Vegas, Nevada 89102 (702) 486-4120

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 by: email at [email protected], visiting Circle Support Portal, via phone at (888) 762-4966. 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

Additionally, complaints can be submitted through Circle’s registered agent: CT Corporation System, 28 Liberty Street New York, NY 10005

Please note the following disclosures associated with virtual currency:

• 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;
• 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;
• Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable;
• 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;
• 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;
• There is no assurance that a person who accepts a virtual currency as payment today will continue to do so in the future;
• 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;
• The nature of virtual currency may lead to an increased risk of fraud or cyber attack;
• 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
• 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:

• If you have a Circle Account, you may be liable for unauthorized virtual currency transactions occurring in your Circle Account. For more information regarding the circumstances under which you may be liable for unauthorized virtual currency transactions, please see the terms governing your account.
• Circle does not currently support preauthorized virtual currency transfers.
• Circle may, from time to time, disclose information concerning your Circle Account to third parties. For more information regarding how Circle collects, uses, stores, shares and protects your information, please see the Circle Privacy Policy.
• Circle will not provide periodic account statements to you. However, if you have a Circle Account, 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.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.

For North Dakota Residents Only

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 Department of Financial Institutions with questions or complaints regarding the money transmission services: North Dakota Department of Financial Institutions (701)328-9933

Please note the following disclosures associated with virtual currency:

• A schedule of fees that Circle may charge in connection with the Services may be found here;
• 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, or any other public or private insurer, including cyber theft or theft by other means;
• 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;
• If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected];
• 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;
• Circle does not currently support preauthorized virtual currency transfers;
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above;
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.
• Virtual currency is not money.

For Rhode Island Residents Only

Please note the following disclosures associated with virtual currency:

• A schedule of fees that Circle may charge in connection with the Services may be found here.
• 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, or any other public or private insurer, including cyber theft or theft by other means.
• 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.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• 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.
• Circle does not currently support preauthorized virtual currency transfers.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.
• Virtual currency is not money.

For South Carolina Residents Only

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 Office of the Attorney General with questions or complaints regarding the money transmission services: South Carolina Office of the Attorney General Telephone Number: (803)734-3970.

For South Dakota Residents Only

If you have a question or complaint, please first contact Circle Internet Financial, LLC at (888) 762-4966 or 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 question or complaint to: South Dakota Department of Labor & Regulation, Division of Banking Telephone Number: (605) 773-3421.

For Tennessee Residents Only

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 Department of Financial Institutions with questions or complaints regarding the money transmission services: Tennessee Department of Financial Institutions (615) 253-6714.

For Texas Residents Only

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

For Vermont Residents Only

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: Vermont Department of Financial Regulation Toll-Free Number: (833) 337-4685.

Please note the following disclosures associated with virtual currency:

• A schedule of fees that Circle may charge in connection with the Services may be found here.
• 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, or any other public or private insurer, including cyber theft or theft by other means.
• 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.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms. If you have a Circle Account and you wish to update your contact information held by Circle, you may log into your account or email us at [email protected].
• 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.
• Circle does not currently support preauthorized virtual currency transfers.
• Where applicable, Circle will send you a receipt evidencing your transaction via email after each transaction has been placed. Further evidence of your transactions will be available to you in your transaction history, as discussed above.
• You have the right to at least thirty (30) days’ prior notice of material changes to the terms governing your Circle Account, or to other policies applicable to your Circle Account.
• Virtual currency is not money.

For Virginia Residents Only

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 Bureau of Financial Institutions with questions or complaints regarding the money transmission services: Virginia Bureau of Financial Institutions Toll-Free Number: 1-800-552-7945

For Washington Residents Only

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

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

Email: [email protected]

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

• A schedule of fees that Circle may charge in connection with the Services may be found here.
• 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, or any other public or private insurer, including cyber theft or theft by other means.
• 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.
• When any transaction occurs using your Circle Account credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you have a Circle Account and 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 the balances and transaction history of any Circle Account you hold to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Upon receiving notice of a reported unauthorized or incorrect transaction, Circle will review the matter in accordance with the terms governing your Circle Account, as applicable. Your rights, Circle’s responsibilities, and any available recovery with respect to unauthorized, mistaken, or accidental transactions are governed by such terms.
• 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.