Terms of Service

Effective 5 January 2026

1. Acceptance of Terms of Service

1.1. These Terms of Service (“Terms”) are between You and CoinJar Europe Limited (“CoinJar”), a private limited company incorporated in Ireland with company number 720832 and a registered address of 13 Adelaide Road, Dublin, D02 P950, Ireland. CoinJar Europe Limited is authorised by the Central Bank of Ireland as a Crypto-Asset Service Provider (CASP) under Regulation (EU) 2023/1114 (MiCAR), registration number C496731.

References in this Agreement to “us”, “we”, or “our” are references to CoinJar and references to “you”, “your”, “user”, or “Customer” relate to the purchaser and user of these products and services.

1.2. WARNING: Crypto-assets are not covered by the Investor Compensation Scheme or the Deposit Guarantee Scheme. The value of crypto-assets may fluctuate significantly and could result in a partial or total loss of the invested capital. Past performance is not indicative of future results. Please ensure you fully understand the risks before trading or investing.

1.3. By using this website or our mobile applications (collectively the "Website") or any of our products and services described in these Terms of Service, you:

• agree that you have read, understood and accept these Terms of Service, which include our Privacy Policy, in full; and
• confirm that you are at least eighteen (18) years of age and have full legal capacity to enter into an agreement.

1.4. We may revise these Terms of Service from time to time by amending this page and providing you with reasonable notice. We will email you using the email address you most recently provided to us to advise you that our terms will be changing. By continuing to access our Website and / or use our Services once the revised terms have become effective, you agree to be bound by the revised terms. In the event that you do not agree to the revised terms, you must not access our Website or any of our Services and you should contact us to close your CoinJar accounts. The revised Terms will be available on the website.

2. Use of the Website and Services

2.1. Risk Warning

2.1.1. We do not make any recommendations about trading in cryptoassets. Before making the decision to buy, sell or hold any crypto-assets, you should conduct your own due diligence and consult your financial advisor. It is your responsibility to determine whether any investment, investment strategy or related transaction is appropriate for you according to your personal investment objectives, financial circumstances and risk tolerance. Please see our risk disclosures for further information on the risks associated with using our services.

2.1.2. Crypto-assets carry high risk. Due to the potential volatility of the crypto-asset markets, the value of your investments may fall significantly and could lead to total loss.

2.1.3. We use third party banking, safekeeping and payment providers, and the failure of any of these providers could also lead to a loss of your assets. We recommend you obtain financial advice before making a decision to use your credit card to purchase crypto-assets or to invest in crypto-assets.

2.2. Access to CoinJar In Other Jurisdictions

2.2.1. CoinJar may, in order to protect our legitimate business interests and acting reasonably, restrict or prohibit the use of any or all of its Services in any jurisdiction due to commercial reasons, regulatory requirements or sanctions. If possible, we will endeavour to provide reasonable advance notice of such restrictions to allow you to withdraw any remaining balances in your CoinJar account.

2.2.2. You may continue to use our Services if you are travelling, except if you are travelling in a sanctioned country or restricted country not supported by CoinJar ("Prohibited Jurisdictions"), in which case you will not be able to access our Services from those countries, unless otherwise prohibited by law from doing so.

2.2.3. You must tell us if you have changed your residency to a different country. We may request updated proof of residence to ensure compliance with AML/CFT obligations.

3. Registration

3.1. To access parts of our Website or use some of our Services, you must register as a user by providing your name, email address, mobile phone number, and required identifying information (including date of birth, address, nationality, and such other information as required, in line with our legal and regulatory obligations). You will also be required to create a secure password and username and confirm your acceptance of these Terms of Service.

3.2. We use third party service providers to electronically verify your identity. We are not liable for any errors made by these providers.

3.3. We may, in our sole discretion, decline to open a CoinJar account subject to legal and regulatory obligations and internal processes.

3.4. You confirm that in opening an account with us you are not acting on behalf of, or for the benefit of, anyone else, unless you are opening the account for and under the direction of the company that employs you or has duly authorised you as their legal representative to open an account with CoinJar in their name and on their behalf.

3.5. If you are opening a CoinJar account for a company, partnership, or trust, you further represent and warrant that:

• your company, partnership, or trust has and will be operated in a way that is compliant with all relevant legislation, regulations, codes of conduct or regulatory guidance or directions;
• you will notify us immediately if there is any change, by way of resignation, removal, appointment or death, of any of the directors, partners, trustees, settlor(s) or ultimate beneficial owners or any person authorised to operate your account with us; and
• you will inform us immediately if the company, partnership, or trust is dissolved either on a voluntary or involuntary basis.

3.6. If you have applied for another account in the past with any of the same information, we reserve the right to decline the new application and you may be required to access and use your previously approved account. If you were previously denied an account, or had an account closed by us, you may not be able to reapply for an account.

4. Crypto-Asset Services

4.1. CoinJar Accounts

CoinJar provides access to crypto asset accounts and a prefunding Euro fiat account which enables you to buy and sell crypto-assets by trading directly with CoinJar as principal, as well as to deposit and withdraw crypto-assets.

We will process crypto-asset transactions in accordance with the instructions we receive from you. You are responsible for verifying the accuracy of all transaction information prior to submitting instructions to us. CoinJar accepts no responsibility for any loss or damages if you provide us with any wrong or false information, including but not limited to the incorrect wallet address, destination tag, or similar, of the receiver, or the incorrect username of the CoinJar user.

We do not guarantee the identity of any user, receiver, requestee or other party.

Customers do not store value with CoinJar, and we allow you to maintain balances with us for a maximum of 12 months. Funds provided to CoinJar can only be used to fund transactions with CoinJar as principal in accordance with these Terms of Service. Funds cannot be transferred to any third party or persons, and may only be returned to the originating bank account, or another account nominated, or refunded to the originating card, in the name of the customer, in the event of dormancy or closure of the account, in line with these Terms of Service.

If the account has been dormant for 12 months, then you are required to either withdraw funds back to the originating bank account or provide us with an exchange order. You should ensure that we have up-to-date contact details for you at all times.

4.1.1. Purchasing Crypto-assets via Instant Buy

CoinJar allows users to buy and sell crypto-assets via its Instant Buy service which allows you to use your debit or credit card to fund the purchase. This purchase is completed in real time and will incur a fee. You should check with your bank as they may apply other fees and charges separate to CoinJar.

You must only use a debit or credit card issued in your own name. You must ensure that there are sufficient funds on your card to make a purchase and CoinJar cannot accept liability for purchases that are not completed due to funding issues.

Before you use a credit card to fund the purchase of crypto-assets, you should consider whether this will result in cash advance fees and any associated higher interest rates.

4.1.2. Reserved Balance

When you make an Instant Buy purchase using a debit or credit card for the first time, any crypto-assets purchased using that amount (or any proceeds from selling those crypto-assets) must remain within your account for a period of 7 days before it can be sent to an external wallet address, or funds associated with a sale of purchased crypto-assets can be returned to your linked bank account ("Reserved Balance"). Any purchases made with the same debit or credit card within this 7-day period will also form part of your Reserved Balance. You will still be able to buy or sell any crypto-assets purchased during the Reserved Balance period. After the 7-day period is complete, any subsequent purchases made using the same debit or credit card will not be subject to Reserved Balance.

The Reserved Balance feature is intended to reduce the ongoing risks of bank chargebacks and fraudulent transactions passing through CoinJar.

4.2. Custody and Administration

CoinJar allows you to store crypto-assets in a CoinJar wallet accessed via our app or website. This service is provided at no additional charge, and you may transfer your crypto-assets to another wallet at any time.

Your crypto-assets are held in omnibus wallets powered by our technology provider, Fireblocks Ltd. While assets are pooled at the blockchain level for operational efficiency, your individual holdings are tracked separately in our systems, legally protected from CoinJar's creditors, segregated from CoinJar's own assets, and reconciled daily to ensure accuracy. You retain full ownership of your crypto-assets at all times.

CoinJar remains responsible for the custody of your assets. We are liable for any loss of crypto-assets due to incidents directly attributable to us, up to the market value at the time of loss. We are not liable for events beyond our control, such as adverse market events, sourcing risks, market events, inherent blockchain issues etc. Further details about our Order Execution Policy are available on our website link.

You acknowledge and consent to these custody arrangements, including the use of omnibus wallets and the safeguards we have in place to protect your assets.

In line with Article 75 of MiCAR, CoinJar has established systems designed to ensure customers can exercise rights attached to their crypto-assets effectively. These rights can be found in our Custody and Safeguarding Policy link.

CoinJar acknowledges certain practical limitations regarding participation in blockchain governance activities:

• Limited Participation in Governance Protocols:

  CoinJar does not generally facilitate customer participation in blockchain governance activities, such as voting, staking, or actively managing hard forks and token migrations. This stance reflects practical considerations, including blockchain protocol risks, technological uncertainties, potential security vulnerabilities of new or emerging protocols, and possible technical constraints in supporting new networks at the same standard and rigour required by our Custody and Safeguarding Policy link. Customers who wish to participate in governance decisions or specific blockchain events (e.g., token migrations, forks, protocol voting) that are not Business-as-usual have two choices:

  • Complete an exception form for the given event that will be reviewed and executed on a case by case basis by CoinJar. The execution of certain events may require additional costs incurred to be on-charged to them.
  • Withdraw their crypto assets to self-hosted wallets to maintain full autonomy over their assets.
    
    

• Exceptional Circumstances:

  CoinJar reserves the right, at its discretion, to intervene proactively in certain major or mandatory blockchain events that materially impact customer assets. Examples of such scenarios include significant hard forks or compulsory token migrations involving widely supported digital assets. In these exceptional cases, CoinJar will clearly communicate the nature of the event, actions required, and any involvement it intends to undertake to support customers in advance, if possible.
  
  

• Distribution of Financial Benefits:

  In cases where CoinJar derives a direct financial benefit from blockchain governance events (e.g., token distributions resulting from forks or protocol upgrades), and where such distributions can be readily liquidated but not practically distributed to customers in-kind, CoinJar will distribute the resulting financial proceeds proportionately to customers based on their recorded asset holdings at the time of the relevant event.
  
  

• Rights Notification:

  CoinJar will promptly notify customers of relevant blockchain events, such as protocol upgrades or significant network changes. These notifications are provided for informational purposes only and do not constitute active management or facilitation by CoinJar unless explicitly stated otherwise.
  
  

• Blockchain Integration:

  Direct integration with blockchain networks ensures accurate processing of customer requests related to validly accepted asset management functions.

4.3 Suitability

Important Notice – Statement of Suitability

This is an important note which sets out the reasons why the services offered are considered suitable for your particular needs, objectives and circumstances.

CoinJar provides access to crypto-asset services and custody services on a non-advisory, execution-only basis. CoinJar does not provide personal recommendations or assess the suitability of any transaction or service for individual purposes.

CoinJar provides its services in accordance with a non-discriminatory commercial policy, applied consistently to all eligible customers. Further details on our customer eligibility criteria and pricing arrangements are set out in our Commercial and Pricing Mechanism Disclosure.

Crypto-assets are highly volatile and carry a risk of complete capital loss. By using CoinJar’s services, which include:

• fiat to crypto exchange;
• crypto to fiat exchange;
• crypto to crypto exchange;
• custody; and
• transfer services,

you will be required to acknowledge and accept the associated industry risks. You will need to confirm you have the necessary knowledge and experience to understand the nature and risks of crypto-assets. CoinJar recommends that you seek independent financial advice.

CoinJar makes no representation as to the future performance of any crypto-asset or your ability to recover any funds. All transactions are undertaken at your own risk. You should be aware that the value of investments can increase or decrease. CoinJar bears no responsibility for such fluctuations.

CoinJar will continue to meet its regulatory obligations under the Central Bank of Ireland’s Consumer Protection Code and the Markets in Crypto-Assets Regulation (MiCAR), including obligations related to transparency, conduct of business, and safeguarding of customer assets.

CoinJar will provide extra assistance to customers identified as possibly vulnerable in line with internal policies and procedures.

4.4. Deposits and Withdrawals of Crypto-Assets

You must only fund your account with deposit services supported by CoinJar and these may change from time to time. Deposits made via unsupported methods, including unsupported cryptocurrency protocols, are likely to be lost.

If your deposit is deemed by us to be recoverable, you acknowledge that there will be a cost associated with us recovering the deposit and agree that we may deduct those costs from available funds in your account.

You must ensure that your deposit instructions are treated in confidence and not shared with anyone. You should never share any personal details in relation to your transactions.

You are responsible for providing us with accurate instructions, including blockchain addresses and the appropriate blockchain network for us to process your withdrawal request.

CoinJar does not have control of, or liability for, any errors, omissions, or failures of your instructions or the relevant blockchain network in processing your instructions.

4.5. Finality of Crypto-asset Transactions

CoinJar cannot cancel or reverse any crypto-asset transactions once they have been submitted to the relevant crypto-asset network. Blockchain transactions are irreversible. Once a withdrawal or transfer is executed on-chain, CoinJar cannot cancel, reverse, or refund the transaction. Refunds may be provided only in limited circumstances where the transaction has not yet settled or where CoinJar identifies an operational error.

Crypto-asset transactions are subject to confirmation by the relevant crypto-asset network and may not be reflected in your account until this process is complete.

You will be informed that your order is deemed to be final in your App once the transaction moves from ‘Pending Settlement’ to ‘Complete’.

4.6. Supported Crypto-assets

CoinJar will, at its discretion, select those crypto-assets it supports, and these may change from time to time. We assume no responsibility or liability in connection with any attempt to use your account to store, send, or receive crypto-assets in any form that we do not support. If we decide, at our discretion, to discontinue support for a crypto-asset, we will use reasonable efforts to assist you with moving or selling the crypto-asset that is no longer supported.

4.7. Changes to Protocols and Forks

CoinJar does not own or control the underlying software protocols which govern the operation of crypto-assets supported on our platform. We assume no responsibility for the operation of the underlying protocols, and we cannot guarantee their functionality, security, or availability. You acknowledge and accept the risk that underlying software protocols relating to any crypto-asset you store in your accounts may change.

The underlying protocols may be subject to sudden changes in operating rules ("Forks"), and such Forks may materially affect the value, function, and / or name of the crypto-asset you store in your accounts. Where reasonably possible, we will provide you with notices or alerts on Forks, however it is your responsibility to make yourself aware of and consider how to deal with upcoming Forks.

CoinJar may, at its discretion, decline to support either or both branches of a Fork.

You acknowledge the risks presented by Forks and you accept that CoinJar has no responsibility to assist you to move or sell an unsupported branch of a forked protocol.

4.8. Our Order Execution Policy explains how we execute your instructions to transfer or exchange crypto-assets on your behalf. When processing your orders, we aim to achieve the best possible outcome for you, taking into account factors such as:

• the price at which your crypto-assets are exchanged;
• the speed of execution; and
• the likelihood of successfully completing the order.

Since CoinJar executes orders internally or via pre-arranged liquidity providers, all orders are processed as promptly as possible according to our internal systems and operational procedures. We regularly review our execution arrangements to ensure they remain effective, reliable, and compliant with regulatory requirements, including operational resilience and anti-market abuse safeguards.

Our ongoing monitoring focuses on the efficiency and reliability of order processing, including completion times and successful execution rates.

Further details about our Order Execution Policy are available on our website link.

5. Stablecoins

5.1. Stablecoins

CoinJar may from time-to-time support stablecoins, which are a class of crypto-assets which generally purport to be backed by, or aim to maintain stable value relative to, another asset including fiat currency or commodities such as silver or gold.

By buying or selling stablecoins from or to CoinJar, you agree that you have read, understood and accepted all of the terms and conditions and risks associated with each particular stablecoin.

5.2. Redemption of Stablecoins

You acknowledge that CoinJar is not the issuer of any particular stablecoin and has no obligation to repurchase your stablecoins for any particular fiat currency or asset.

Where CoinJar ceases to support trading of a stablecoin, you must redeem your stablecoins with the issuer directly in accordance with the terms associated with each stablecoin.

CoinJar reserves the right to change, suspend, or discontinue any service in relation to any stablecoin at any time, including its hours of operation or availability of any feature, without advance notice to you.

5.3. Transfer Restrictions

CoinJar will not provide transfer services in respect of e-money tokens (i.e. stablecoins that reference a single official currency). You cannot transfer e-money tokens off platform but can hold them, use them to purchase other crypto-assets, sell them for fiat currency, or purchase them directly from CoinJar. We reserve the right to change this permission at any time.

6. Payments & Refunds

6.1. Transaction Fees

Each transaction that you process using our services may be subject to a transaction fee. All fees will be clearly detailed with historical fees also available. Our current transaction fees can be found on our Website and are subject to change from time to time.

6.2. Spreads

We may include a margin or "spread" within our quoted crypto-asset prices.

6.3. Network Fees

We may charge network fees to process crypto-asset transactions on your behalf. We will notify you of the network fee at or before the time you authorise the crypto-asset transaction. The network fee quoted to you by CoinJar is calculated based on prevailing blockchain network fees and market standards. These are influenced by factors such as network demand at a particular time.

Please note that the network fee paid by you to CoinJar may be lower or greater than the network fee ultimately paid to the blockchain network to process your transaction. This may be caused by changes in network conditions between the time a quote is provided and the time the transaction is actually processed.

6.4. Applicable Tax

Capital Gains Tax may be payable on profits. It is your responsibility to determine what, if any, taxes apply to your crypto-asset transactions, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. CoinJar is not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction. You should always seek independent tax advice.

6.5. Set Off

CoinJar may combine or set-off the balances of two or more of any type of CoinJar accounts (e.g. a crypto-asset account and a fiat currency account, or even two different crypto-asset accounts). This may happen when one account is in debit, and another is in credit. For example, an account may be in debit if there is an outstanding amount owed to CoinJar resulting from daily-consolidated transaction fees. Where this is the case, the credit balance in one account can be used to repay the debit balance in another account.

CoinJar will inform you if it has set-off your accounts. We do not need to give you notice in advance.

CoinJar may reasonably delay, block, or refuse any withdrawal from your accounts while reviewing whether to exercise or arranging to exercise the set-off right in this clause, and CoinJar will incur no liability to you if it does so.

7. Banking and Payment Providers

CoinJar partners with third-party banking institutions and payment providers to receive, process and store our corporate funds and your funds. It currently uses ClearBank Europe N.V., but CoinJar may change this in the future without giving prior notice to you.

CoinJar, as part of its regulatory obligations, safeguards funds through depositing them in segregated customer accounts.

You acknowledge and agree that you are prohibited from making any fiat deposits into your CoinJar account from any bank account or payment method that is not in your own name.

We will only return fiat currency into the originating or a nominated bank account held in your name. CoinJar has the right to verify the ownership of any linked bank account, and may require additional information prior to carrying out any refund or other return of funds.

8. CoinJar Bundles

8.1. What are CoinJar Bundles?

CoinJar Bundles allow users to easily diversify their portfolio through baskets of crypto-assets offered with pre-defined allocations, either on a proportional basis or a cap-adjusted basis ("Bundles").

When you add funds into a Bundle, you instruct us to initiate multiple purchases of crypto-assets on your behalf in accordance with the allocations indicated to you within the Bundle.

Please note that Bundles are not purchased directly. Instead, they simply allow you to purchase a basket of individual crypto-assets, without needing to place multiple buy orders. Details of Bundles offered by us are available on our Website.

8.2. Rebalances

A user can initiate a rebalance of their holdings within each Bundle if:

• CoinJar makes a change to the pre-defined allocations of cap-adjusted Bundles;
• CoinJar adds or removes a type of cryptocurrency within each Bundle; or
• the prices of crypto-assets change such that the crypto-assets held within a Bundle do not reflect the target allocation.

Adding funds into a Bundle or rebalancing a Bundle will incur transaction fees for the purchase or sale of the crypto-assets within the Bundle.

All fees can be found on our website.

No additional fees apply for the use of the CoinJar Bundles feature.

9. CoinJar MCP Server

9.1. What is CoinJar MCP Server?

9.1.1. CoinJar MCP Server is a service that allows you to connect your CoinJar account to third-party applications that support the Model Context Protocol ("MCP Clients"), such as ChatGPT and Claude. When you ask questions or make requests within an MCP Client, the large language model (LLM) may retrieve relevant account information from CoinJar MCP Server, such as transaction history, balances, account limits, and market data, through specific tools that we make available.

9.1.2. By connecting or using the CoinJar MCP Server, you acknowledge that you have read, understood, and agree to this clause. If you do not agree with this clause, you must discontinue the use of the CoinJar MCP Server immediately.

9.2. Connection and Access

To use CoinJar MCP Server, you must authenticate and authorise each MCP Client using OAuth (exercising your right to data portability under GDPR). You can disconnect an MCP Client at any time through the MCP Client's own settings. If you are unable to disconnect through the MCP Client or wish to revoke access for security reasons, you may contact CoinJar Support by email at support@coinjar.com to revoke access.

9.3. Limitations

CoinJar MCP Server does not permit any financial transactions (as defined in relevant regulation) to be performed through MCP Clients. CoinJar MCP Server will not share personal information such as identity verification documents, passwords, or authentication codes.

9.4. Third-Party MCP Clients

9.4.1. Your use of MCP Clients is subject to their terms of service, privacy policies, and any applicable EU regulations, including the EU Artificial Intelligence Act. CoinJar has no control over the MCP Clients you connect to your account or the content generated by those applications. We are not affiliated with, do not endorse, and are not agents of any third-party MCP Client provider. You acknowledge that your use of MCP Clients is subject to their own terms of service and privacy policies. CoinJar reserves the right to suspend or restrict access to third parties to reduce regulatory risk.

9.4.2. CoinJar assumes no responsibility for the content generated by those applications and we will not be liable for any loss or damage that may arise from your use of them.

9.5. Data Portability

Users may exercise their GDPR rights, including data portability, as described in our Privacy Policy. By authorising an MCP Client to connect to your account, you are exercising your right to data portability under Article 20 (GDPR) and providing an instruction for CoinJar to transmit your account data to that third-party provider. For the avoidance of doubt, the operation of the MCP Client constitutes the facilitation of your data portability rights under Article 20 (GDPR) and does not amount to data sharing by CoinJar with third parties. Once transmitted, your data will be handled by the third-party provider in accordance with their own privacy policy. While CoinJar implements security measures for data transmitted through CoinJar MCP Server, we have no control over how third-party providers process, store, or use your data after transmission.

10. Security

10.1. Your Responsibility to Keep Your Account Secure

10.1.1. You are solely responsible for taking necessary security measures to protect your CoinJar Account and to keep your login credentials secure. Under no circumstances may you access, use, or sign in to the account of another CoinJar user. You must ensure that your email, devices, password and two factor authenticator codes are kept confidential and maintained with adequate security. You should never share your details with anyone else.

You must also ensure you are visiting the correct CoinJar website before attempting to sign in to your CoinJar account.

10.1.2. We may require you to enable multi-factor authentication to your accounts by adding, including but not limited to, SMS-based and / or App-based two factor authentication.

10.1.3. We will communicate with you through the Website or through CoinJar Support using an address from the domain "@coinjar.com". You should always ensure that communications are from a verified site.

10.1.4. CoinJar may restrict your service and / or disable your account access or password at CoinJar’s sole discretion if it is suspected that your accounts have been compromised. CoinJar accepts no responsibility for any loss or damage you may suffer in connection with your accounts being compromised in relation to your failure to keep your login credentials secure.

If you suspect that your CoinJar Account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and / or us, you should notify us immediately via CoinJar Support site.

10.2. Phishing, Viruses and Malware

We are not liable for any damage or interruption caused by computer viruses, spyware, Trojan horses, worms, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack. We advise the use of reputable virus screening and malware prevention software on all your devices.

You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and you should use care in reviewing messages purporting to originate from us.

10.3. Access by Third Parties

If you grant express permission to a third party to access or connect to your CoinJar account(s), either through the third party’s product or service or through the CoinJar Website, you acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under these Terms of Service.

You are fully responsible for all acts or omissions of any third party with access to your CoinJar account(s) and any action of such third party shall be considered to be an action authorised by you.

You acknowledge and agree that you will not hold CoinJar responsible for, and will indemnify CoinJar from, any liability arising out of or related to any act or omission of any third party with access to your CoinJar account(s).

11. Risks

11.1. Purchasing and / or investing in crypto-assets is inherently risky. The value of your assets can go up and down. CoinJar bears no responsibility for any fluctuation in the value of your assets.

11.2. We do not guarantee that our Services will be available at any particular time or that our Services will meet any minimum uptime levels. It may not always be possible for you to buy, sell, store, transfer, send or receive crypto-assets using CoinJar when you wish to do so.

11.3. We use third party payment providers, custodians, and banking partners in the provision of our Services. A failure of any of these payment, safekeeping or banking providers could lead to a loss of assets or funds. We are not responsible for any such failures.

11.4. You must follow CoinJar's instructions regarding adequate security of your user ID and passwords, including as set out in these Terms & Conditions, on our Website, and as otherwise notified to you from time to time. Sharing your security details can lead to breaches and loss of your investments. CoinJar is not responsible if you have not taken all security measures to protect your details.

11.5. Purchasing and / or investing in crypto-assets can include the following risks (without limitation):

• Market risk: This is the risk that the value of any crypto-assets you hold will fluctuate. Changes in value may be significant, may occur rapidly and without warning, and may lead to a total loss. Crypto-asset valuations may be impacted by a range of market factors (such as market volatility; market sentiment; movements in interest rates; domestic and international economic conditions, which generally affect business earnings; political events, war, natural events; and changes in government, monetary policies, taxation and other laws and regulations).
• Liquidity risk: Crypto-assets may, at a particular time, have limited liquidity which may make it difficult or impossible for you to sell your currency holding when you wish to do so, at a price which you consider to be reasonable.
• Availability risk: We do not guarantee that our Services will be available at any particular time or that our Services will meet any minimum uptime levels. It may not be possible for you to buy, sell, store, transfer, send or receive crypto-assets using CoinJar when you wish to do so.
• Security risk: This is the risk that your CoinJar accounts may be compromised and that you may lose some or all of your crypto-assets. CoinJar may implement systems to reduce the risk of accounts being compromised, but it is not possible for CoinJar to eliminate this risk. To safeguard your funds, we store all customer crypto-assets in cold storage wallets, multi-signature (”multi-sig”) wallets, or multi-party computation (”MPC”) wallets. This ensures that crypto-assets held are secure and geographically redundant. By using these storage methods, we mitigate the risk of theft and loss. Cold storage and MPC features are supported by our current technology provider, Fireblocks Ltd. Customer deposits and withdrawals that are processed on the blockchain are supported by Fireblocks Ltd. You must follow CoinJar's instructions regarding adequate security of your user ID and passwords, including as set out in these Terms of Service, on our Website and as otherwise notified to you from time to time.
• Trading risk: Crypto-assets carry high risk. Given the potential price volatility which can be extreme, the value of your crypto-assets may fall rapidly or over time. You will not be able to access the Financial Ombudsman Service and you will not have access to the Deposit Guarantee Scheme or Investor Compensation scheme in the unlikely event that we become insolvent.
• Third party and counterparty risk: You should be aware that we use third party payment providers, custodians, and banking partners in the provision of our Services. These third parties include Checkout, ClearBank and Fireblocks. A failure of any of these payment, safekeeping or banking providers could lead to a loss of the funds you have invested with us.

11.6. By using the Website and / or our Services, you represent and warrant that you understand the risks associated with crypto-assets.

12. Acceptable Use

12.1. General Prohibitions on Use

12.1.1. You must not use this Website and / or our Services in any way that causes, or may cause, damage to the Website or impairment of the availability or accessibility of the Website.

12.1.2. You agree to use the Website and / or our Services in accordance with these Terms of Service and any applicable law or regulation.

12.1.3. You will comply with any policies, procedures, operating rules and directions of CoinJar in relation to your access to the Website and your obligations under these Terms of Service.

12.1.4. You are responsible for all dealings through the Website, including any fraudulent, illegal, or unauthorised dealings, which are attributable to your conduct. CoinJar will not be liable for any actions which are attributable to your conduct.

12.1.5. You must not conduct any systematic or automated data collection activities (including, but not limited to scraping, data mining, data extraction, and data harvesting) on or in relation to this Website (unless otherwise separately agreed with CoinJar).

12.1.6. You agree to provide CoinJar with accurate, up-to-date, personal information as prompted by our registration or service process, and keep such information updated. Failure to keep your details up-to-date may result in CoinJar withdrawing or terminating services, or may prevent CoinJar from assets it holds for you.

12.2. Fraudulent, Unauthorised or Exploitative Behaviour

CoinJar reserves the right to take any action necessary to recover funds, crypto-assets or assets acquired by you as a result of fraudulent, unauthorised or exploitative behaviour, including legal action.

Where a purchase of crypto-assets is initiated from your account using your credentials, we will assume that you authorised such a transaction, unless you notify us otherwise.

CoinJar may also take such action to recover any funds, crypto-assets or assets which you have received, acquired or accumulated due to an error, glitch, or loophole. We will notify you if such errors occur and you agree that it is our right to recover any such funds, crypto-assets, or assets, including by deducting funds from your CoinJar accounts.

13. Suspension, termination and cancellation

13.1. General

13.1.1. CoinJar may:

• refuse to complete, or block, or reverse a transaction you have authorised (even after funds have been debited from your CoinJar accounts);
• suspend, restrict, or terminate your access to any or all of the Services provided by CoinJar; and / or
• deactivate or close your CoinJar accounts with immediate effect,

for reasons including, but not limited to when:

• we are required to do so by applicable law, regulation or any court or other authority to which we are subject in any jurisdiction;
• we reasonably suspect you have breached our Terms of Service, Privacy Policy, and / or other policies;
• we are concerned that a transaction is erroneous or about the security of your CoinJar accounts or we suspect our Services are being used in a fraudulent or unauthorised manner;
• we are concerned that unusual trading activity is occurring on your account;
• we suspect money laundering, terrorist financing, fraud, or any other financial crime;
• use of your CoinJar account is subject to any pending litigation, investigation, or government proceeding and / or we perceive a heightened risk of legal or compliance associated with your CoinJar account’s activity;
• you have failure to provide us with up-to-date information on yourself, or to notify us of changes in information previously provided; or
• your account has been inactive for over 12 months as per clause 4.1 of these Terms.

13.1.2. CoinJar reserves the right to restrict your service and / or disable your account access and password, and to refuse to process, or cancel, any pending transaction, as required by law, court order or any other binding government order, or where CoinJar is of the view that it is necessary to do so to protect you, other users, or CoinJar, or for such other reasons as are, in its sole discretion, reasonable.

13.1.3. Subject to applicable law, we will make best efforts to assist you with, and allow you a reasonable amount of time to, comply with termination or withdrawal procedures requested by CoinJar.

13.1.4. In the event that CoinJar has made reasonable efforts to obtain instructions from you as to where to transfer any funds, assets or crypto-assets in a closed CoinJar account but is unable to obtain such instructions or is unable to transfer as instructed due to no fault of CoinJar, applicable law may require us to report the funds, assets or crypto-assets as unclaimed to the authorities in the relevant jurisdiction and to transfer them. Otherwise, where any assets are not claimed for a period of 12 months, following a final notice to the customer, CoinJar reserves the right to dispose of any of your assets still held as it deems appropriate, in its sole discretion.

13.2. Enhanced Customer Due Diligence

13.2.1. CoinJar reserves the right to request identification information (including but not limited to passport, driver’s license, identity card, Government issued photographic identification, utility bills, residential certificate, signed certification of cohabitation, bank account statements, or similar) or additional information (including source of wealth, net worth, nature of and purpose for utilising our Services, occupation, employer and salary) depending on the amounts requested through our service or any apparent suspicious activity which may indicate money-laundering, terrorist financing or other illegal or fraudulent activity.

13.2.2. You must only use our Services with bank accounts held directly in your name. We will request identification of the bank account to or from which funds are transferred. Where we suspect or are notified of unauthorised transactions or otherwise to comply with applicable law and regulations, your accounts and any pending transactions may be frozen until the identity check has been deemed satisfactory by CoinJar, as required by its internal fraud prevention measures, or applicable AML/CFT or financial sanctions obligations.

13.2.3. CoinJar may request additional identification information from you at any time at the request of any competent authority or by application of any applicable law or regulation. You also consent to CoinJar making enquiries to or using third parties to verify your identity, any information you have supplied, and / or your account details.

14. Incoming and Outgoing Transfers - Travel Rule

CoinJar is required to collect and share information about crypto-asset transfers with other crypto-asset businesses or virtual asset service providers ("Travel Rule").

To meet our regulatory obligations, we are required to:

• collect information from you before or after processing your transfer to an external wallet and share that information to the external wallet provider.
• collect information about an incoming transfer from an external wallet, and carry out a risk assessment on the transfer, before making it available to you.

In accordance with the Travel Rule, we may be required to freeze and retain a transfer, return an outgoing transfer to you, or return an incoming transfer to its source, where:

• you do not provide the information we need to process or release a transfer, or we have a reasonable basis to suspect that information you have provided is incorrect or false;
• we receive insufficient information about an incoming transfer from an external wallet, or the information does not match our records; or
• the provider of an external wallet rejects and returns your transfer to us.

We reserve the right to charge network and service fees associated with returning an incoming transfer to its source or returning an outgoing transfer to you where it is rejected by the provider of an external wallet.

For more information about the Travel Rule, please refer to our Knowledge Base.

15. Data Protection

You acknowledge that CoinJar may process personal data that has been provided by you (if you are an individual) and in relation to your employees (if you are an entity), in connection with these Terms of Service and the Website. CoinJar will process this personal data in accordance with its Privacy Policy and as required by EU law (GDPR). This may include sharing personal data with other CoinJar affiliates or subsidiaries, appropriate third parties (such as our bank, payment providers, or outsource service providers), or any regulatory or law enforcement agency where we are required to do so.

You warrant that:

• any disclosure of personal data relating to other persons will be made in accordance with applicable data protection legislation and applicable data privacy laws;
• any disclosure of personal data will be accurate, up to date and relevant upon disclosure; and
• prior to providing personal data, you have read and understood the Privacy Policy.

If we update our Privacy Policy, then you must promptly read that policy and provide updated copies to or ensure any individual whose personal data you have provided to us, has been made aware of any updates.

16. Prohibited Jurisdictions

By using CoinJar's Services, you represent and warrant that you are not:

(a) an entity or individual located, organised or resident subject to sanctions at any time by the European Union, Ireland or anywhere in the world;

(b) an entity or individual on the U.S. Office of Foreign Assets Control’s Specially Designated Nationals and Blocked Persons List (“SDN List”) or Consolidated Non-SDN Lists;

(c) an entity or individual on the United Nations Security Council Consolidated List or regional or foreign government watchlists; or

(d) an entity directly or indirectly owned or controlled by any entity or individual falling within (a), (b) or (c) above.

Please refer to our "Prohibited Jurisdictions" article in our Knowledge Base which sets out the jurisdictions in which our Services are not offered.

CoinJar reserves the right to lock, disable, and / or close accounts for sanctions compliance violations. Any sanctions violations will be reported to the applicable authorities as soon as possible.

17. Complaints

If you experience an issue in relation to your use of our Services, please contact CoinJar Support at support@coinjar.com. You may raise a complaint via the below means if your initial support request was not satisfactorily resolved. Please see our Complaints webpage for further information.

If you have a complaint in relation to your use of our Services, please quote your Support request number and send your complaint to CoinJar at complaints@coinjar.com.

Our preferred method of receipt is via email. We will endeavour to resolve your complaint within 5 business days at first instance, and to provide you with a final response to your complaint no later than 30 business days from the date of receipt of your complaint.

If you are unhappy with the outcome of your complaint, then you may have the right to escalate this matter to the Financial Services and Pensions Ombudsman (”FSPO”). Further information about the FSPO and the types of complainants eligible to submit matters can be found here:

Address: Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2, D02VH29

Telephone: +353 1 567 7000

Email: info@fspo.ie

18. Intellectual Property Rights

Unless otherwise indicated, we own or license from third parties all rights, title, and interest (including copyright, designs, patents, trademarks and other intellectual property rights) on this website and in all of the material (including all text, graphics, logos, audio, and software) made available on this Website.

Your use of this Website does not grant or transfer any rights, title, or interest to you in relation to this Website. We grant you a limited, non-transferable licence to access the Website subject to the terms and conditions set out in this Agreement and, where applicable, as expressly authorised by us and / or our third party licensors.

Any reproduction or redistribution of this Website is prohibited and may result in civil and criminal penalties. You must not copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the content of the website, in whole or in part. All of these actions are expressly prohibited. All other use, copying or reproduction of this Website or any part of it is prohibited, except to the extent permitted by law. However, you are permitted to make one copy of any page on our Website for the purpose of viewing the content for your own personal use and you may draw the attention of others within your organisation to content posted on our Website.

19. Linking to our Website

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part where none exists.

You must not establish a link to our site on any Website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

If you reside in or have audiences who reside in third countries (for example the United Kingdom), you should be aware that there could be specific regulations which prohibit the promotion of crypto-assets without appropriate authorisation. It is your responsibility to make yourself aware of this and CoinJar cannot be held liable for any actions carried out by you in this regard.

We reserve the right to withdraw linking permission without notice.

20. Third party links and resources in our Website

Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources. CoinJar is not responsible for the information, content, or services contained in any such third party materials accessible or linked to from our Website.

21. Warranties

21.1. This Website is provided ‘as is’ without any representations or warranties. CoinJar makes no warranties, express or implied in respect of the accuracy of any materials, information, opinion, view, projections, or estimates on the Website. CoinJar makes no warranties, express or implied in respect of the timely processing of electronic debts, electronic credits, deposits, and bank transfers for the Services and any orders and transactions on the Website.

21.2. Without prejudice to the generality of the foregoing paragraph, CoinJar does not warrant that:

• this Website will be constantly available, or available at all;
• the information on this Website is complete, true, accurate or non-misleading (although all efforts will be made to ensure it is); or
• any part of this Website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, tax, or financial matter you should consult an appropriate professional.

21.3. You warrant in your use of the Website and the Services that:

• If you are a corporate entity:
  • you are duly incorporated, validly existing and in good standing under the laws of the jurisdiction of your incorporation; and
  • these terms are entered into by a representative who has been duly authorised to do so by all necessary corporate action as required by law; and
• you will comply with all applicable laws and regulations in your use of the Website and in respect of the Services.

22. Limitations of Liability

22.1. The content on our Website is provided for general information only. It is not intended to amount to advice on which you should rely. You should obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website.

22.2. To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website, or any content on it, and / or to the Services, whether express or implied.

22.3. CoinJar will not be liable to you (whether under the law of contract, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this Website and / or our Services:

• for any use of, or inability to use, our site and / or our Services;
• for any use of or reliance on any content displayed on our Website;
• for any indirect, special or consequential loss; or
• for any business losses, loss of revenue, income, profits, or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

22.4. Under no circumstances shall CoinJar be liable to you for any damages or losses arising directly or indirectly by you as a result of placing reliance or acting on any materials, information, opinion, view, projections, or estimate provided on the Website.

22.5. Under no circumstances shall CoinJar be liable to you for any damages or losses arising out of the processing of electronic debits, electronic credits, deposits, and bank transfers for the Services and any orders and transactions on the Website.

22.6. These limitations of liability apply if a loss was foreseeable, or if CoinJar has been expressly advised of the potential loss.

22.7. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of our Website or to your downloading of any content on it, or on any Website linked to it.

22.8. We assume no responsibility for the content of Websites linked on our Website. Such links should not be interpreted as endorsement by us of those linked Websites. We will not be liable for any loss or damage that may arise from your use of them.

22.9. Without prejudice to the limitations and exclusions set out above (including in clause 4.2), CoinJar’s liability to you is limited to the actual amount of loss or damage which is caused directly and is reasonably foreseeable by our breach of these terms, and shall in no event exceed an amount equal to the aggregate fees received by us from you in connection with the supply of services to you in the preceding 12 month period.

22.10. Nothing in these Terms of Service excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by Irish law.

23. Other Parties

We may use third party service providers in the provision of parts of our Services, including our technology and banking partners.

You accept that CoinJar has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against CoinJar’s officers or employees in respect of any losses you suffer in connection with the Website.

Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this Website disclaimer extends to CoinJar’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as CoinJar.

24. Indemnity

You hereby indemnify CoinJar, its affiliates, and service providers and each of our/their directors, officers, shareholders, advisers, consultants, agents and contractors against any losses, damages, costs, liabilities, and expenses (including without limitation legal expenses, any fines, fees or penalties imposed by a regulatory authority, and any amounts paid by CoinJar to a third party in settlement of a claim or dispute on the advice of CoinJar’s legal advisers) incurred or suffered by CoinJar arising out of any breach by you of any provision of these Terms of Service, or arising out of any claim that you have breached any provision of these Terms of Service or our Privacy Policy or your violation of any applicable law, rule or regulation in your use of the Website or the Services.

25. No partnership or agency

Nothing in these Terms of Service is intended to, or shall be deemed to, establish any partnership or joint venture between you and CoinJar or authorise you to act as the agent or CoinJar.

26. Severability and Invalidity

If any of the provisions of this Agreement is found by a Court or other competent authority to be void or unenforceable, it shall be deemed to be deleted from this Agreement and the remaining provisions shall continue to apply.

If one or more of the provisions of this Agreement shall be or become invalid, illegal or unenforceable under any applicable law, the enforceability of the remaining provisions shall not be affected or impaired in any way.

27. Assignment

You must not assign, novate, subcontract, or otherwise dispose of any or all of your rights and obligations under this Agreement without our prior written consent.

We reserve the right to assign our rights without restriction (except to the extent of any notice requirement under applicable law), including without limitation to any CoinJar affiliates or subsidiaries, or to any successor or third party.

In the event that CoinJar or its business 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. You retain the right to terminate the agreement with immediate effect in the event we transfer and / or assign the Agreement.

28. Entire Agreement

These Terms of Service, together with our privacy policy and Website disclaimer, constitute the entire agreement between you and CoinJar in relation to your use of this Website and Services, and supersede all previous agreements in respect of your use of this Website and our Services.

We each acknowledge that, in entering into these terms, we do not rely on, and shall have no remedies in respect of, any statement, promises, assurances, warranties, representations or understandings (whether oral or written, and whether made innocently or negligently) made by or on behalf of the other that are not set out in these terms.

We each agree that we shall have no claim for innocent or negligent misrepresentation based on any statement in these terms, save that nothing in these terms shall limit or exclude any liability for fraud.

29. Conflict of Interest

CoinJar maintains a stringent Conflicts of Interest Policy which is outlined at Conflicts of Interest Disclosure.

30. Law and Jurisdiction

These terms of use, its subject matter and its formation, are governed by the laws of Ireland and the exclusive jurisdiction of the Irish courts, subject to any local mandatory law, or rights available to you.

31. Contact Us

To contact CoinJar Support, please email support@coinjar.com, quoting your username and the email address associated with your account.

Your consent will be requested to authorise CoinJar to communicate with you about its Services electronically. If you opt in, you are responsible for keeping your email address up to date in your account profile. If at any time you no longer wish to receive these communications, please contact CoinJar Support.