US Licenses and Disclosures

Zero Hash LLC is Licensed in the Following US Jurisdictions

Zero Hash LLC Jurisdictional Disclosures

Colorado

Colorado State Banking Commissioner

CUSTOMER NOTICE Entities other than FDIC insured financial institutions that conduct money transmission activities in Colorado, including the sale of money orders, transfer of funds, and other instruments for the payment of money or credit, are required to be licensed by the Colorado Division of Banking pursuant to the Money Transmitters Act, Title 11, Article 110, Colorado Revised Statutes.

If you have a Question about or Problem with YOUR TRANSACTION - THE MONEY YOU SENT You must contact the Money Transmitter who processed your transaction for assistance. The Division of Banking does not have access to this information.

If you are a Colorado Resident and have a Complaint about THE MONEY TRANSMITTER – THE COMPANY THAT SENT YOUR MONEY All complaints must be submitted in writing. Please fill out the Complaint Form provided on the Colorado Division of Banking’s website and return it and any documentation supporting the complaint via mail or email to the Division of Banking at:

Colorado Division of Banking 1560 Broadway, Suite 975 Denver, CO 80202

Email: [email protected]

Website

Section 11-110-120, C.R.S. requires that money transmitters and money order companies post this notice in a conspicuous, well-lighted location visible to customers.

Colorado Money Transmitter Customer Notice

Georgia

• Licensed by The Georgia Department of Banking and Finance. (Lic. # 62002 / NMLS# 1699379).

Indiana

• Zero Hash LLC holds a Money Transmitter license issued by the Indiana Department of Financial Institutions. This license does not cover virtual currency transactions.

Louisiana

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.
• Any surety bond or trust account maintained by Zero Hash LLC for the benefit of its Louisiana customers may not be sufficient to cover all losses incurred by Louisiana customers.
• Louisiana residents should perform research before purchasing or investing in virtual currency.
• Zero Hash LLC may be required to disclose, in the ordinary course of business, customers’ financial and account information to third parties such as in cooperation with our platform partners or in response to regulatory or legal requirements.

Minnesota

Please note the following disclosures associated with virtual currency:

• A description of the pricing and fees for digital asset transactions can be found here. Zero Hash may, in its sole discretion, amend the fees contained in this Fee Schedule upon thirty (30) days' notice to Participant. Zero Hash may update such fees by publishing a new fee schedule that does not require re-execution of the Zero Hash LLC Services Agreement.
• Digital assets held by Zero Hash are not protected by the Securities Investor Protection Corporation (SIPC), the Federal Deposit Insurance Corporation (FDIC), or any form of private insurance carried by Zero Hash. You are solely responsible for maintaining insurance policies for digital assets held by Zero Hash on your behalf. Zero Hash does not make any promises or warranties with respect to any insurance policies carried by Zero Hash or a wallet provider, and you will not be able to make any claims against any insurance policies carried by Zero Hash or wallet provider.
• You are advised that the transfer or exchange of virtual currency and/or digital units is irrevocable. There is no exception to the irrevocability of transfer and exchange.
• You are solely responsible for reviewing your transaction receipts and for monitoring your transaction history for any errors. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us within twenty-four (24) hours of the transaction by emailing us at [email protected]. If Zero Hash determines that a transaction was made in error, then Zero Hash may, in its sole discretion, declare the transaction null and void, in whole or in part, even if you do not agree to cancel or modify it, in which case you shall return the digital asset or funds received in the erroneous transaction.
• If you need to change or update your contact information, please contact the platform partner through which you created your Zero Hash account. They will work with us to update your information.
• 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.
• You can reach out to our platform partners to learn about your options to stop preauthorized payments, revoke authorized transfers, and initiate stop-payment orders.
• Our platform partners will provide you with confirmations and reward receipts in connection with buy, sell, reward, round up, and award transactions.
• 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.

Zero Hash LLC is committed to combating fraud. If you are located in the State of Minnesota and believe that your account has been accessed without your authorization, you did not initiate a transaction, are not the intended recipient of a transmission, or should you have any other questions or concerns regarding our Services, please contact our Customer Support Team by phone at: (855) 744-7333 or via email at [email protected]. You may also submit a complaint to the Minnesota Department of Commerce by phone at (651) 539-1500 or by mail at Main Office, Golden Rule Building, 85 7th Place East, Suite 280, Saint Paul, MN 55101, or contact the Consumer Financial Protection Bureau for questions or complaints about Zero Hash LLC at https://www.consumerfinance.gov/ or by phone at (855) 411-2372.

Nevada

• Zero Hash LLC is licensed by the Nevada Department of Business and Industry as a money transmitter.
• If you have a complaint or question about Zero Hash's money transmission services, please contact Zero Hash LLC at 1-855-744-7333 or Zero Hash Help Center. If you still have an unresolved complaint regarding Zero Hash LLC's money transmission activity, you may file it by contacting the Nevada Division of Financial Institutions at (702) 486 4120.

New York

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 Zero Hash LLC may prevent the access or use of a customer’s virtual currency.
• Any bond or trust account maintained by Zero Hash LLC for the benefit of its customers may not be sufficient to cover all losses incurred by customers.
• Any complaints regarding Zero Hash LLC or Zero Hash Liquidity Services LLC may be sent to either entity at 327 N Aberdeen St, Chicago, IL 60607-1202 or through email at [email protected] Complaints may also be submitted via telephone at (855) 744-7333. A complainant may also bring his or her complaint to the attention of the New York Department of Financial Services at One State Street, New York, NY 10004-1511 or through the internet at www.dfs.ny.gov. Complaints may also be made to the State of New York.

Service of process in the State of New York may be delivered to:

Zero Hash c/o Registered Agents, 418 Broadway Ste R, Albany NY 12207.

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Zero Hash LLC is regulated and licensed as a money transmitter by the New York State Department of Financial Services. If you have a question or complaint, please first contact Zero Hash at Zero Hash Help Center or (855) 744-7333, or at its mailing address: 327 N Aberdeen St., Chicago, IL 60607-1202.

For unresolved/written complaints, you may mail a complaint to New York State Department of Financial Services, Consumer Services Division, One State Street, New York, NY 10004-1417, tel: 800-342-3736, email: [email protected], website: www.dfs.ny.gov/complaint.

North Dakota

Please note the following disclosures associated with virtual currency:

• A description of the pricing and fees for digital asset transactions can be found here. Zero Hash may, in its sole discretion, amend the fees contained in this Fee Schedule upon thirty (30) days' notice to Participant. Zero Hash may update such fees by publishing a new fee schedule that does not require re-execution of the Zero Hash LLC Services Agreement.
• Digital assets held by Zero Hash are not protected by the Securities Investor Protection Corporation (SIPC), the Federal Deposit Insurance Corporation (FDIC), or any form of private insurance carried by Zero Hash. You are solely responsible for maintaining insurance policies for digital assets held by Zero Hash on your behalf. Zero Hash does not make any promises or warranties with respect to any insurance policies carried by Zero Hash or a wallet provider, and you will not be able to make any claims against any insurance policies carried by Zero Hash or wallet provider.
• You are advised that the transfer or exchange of virtual currency and/or digital units is irrevocable. There is no exception to the irrevocability of transfer and exchange.
• You are solely responsible for reviewing your transaction receipts and for monitoring your transaction history for any errors. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us within twenty-four (24) hours of the transaction by emailing us at [email protected]. If Zero Hash determines that a transaction was made in error, then Zero Hash may, in its sole discretion, declare the transaction null and void, in whole or in part, even if you do not agree to cancel or modify it, in which case you shall return the digital asset or funds received in the erroneous transaction.
• If you believe that your account has been accessed without your authorization, you did not initiate a transaction, are not the intended recipient of a transmission, or should you have any other questions or concerns regarding our Services, please contact our Customer Support Team by phone at: (855) 744-7333 or via email at [email protected].
• If you need to change or update your contact information, please contact the platform partner through which you created your Zero Hash account. They will work with us to update your information.
• 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.
• You can reach out to our platform partners to learn about your options to stop preauthorized payments, revoke authorized transfers, and initiate stop-payment orders.
• Our platform partners will provide you with confirmations and reward receipts in connection with buy, sell, reward, round up, and award transactions.
• 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.

Oregon

• If you are located in the State of Oregon and have a complaint, please first contact our Customer Support Team at (855) 744-7333 or email at [email protected]. If you still have an unresolved complaint regarding our money transmission activity, you may also direct your complaint to the attention of: Oregon Division of Financial Regulation, P.O. Box 14480, Salem, Oregon 97309-0405; +1 (866) 814-9710 (toll-free in the USA). Please visit: website for additional information.

Tennessee

• Zero Hash LLC is licensed by the Tennessee Department of Financial Institutions as a money transmitter.
  The Tennessee Department of Financial Institutions does not regulate virtual currency. Please note that this license and the required surety bond do not cover the transmission of virtual currency. The Tennessee Department of Financial Institutions does not regulate virtual currency. Tennessee’s Money Transmitter License and the required surety bond do not cover the transmission of virtual currency. However, any company that offers to exchange, administer, or maintain virtual currencies for sovereign currency may be subject to state regulation and licensing as well as federal regulation.
• To verify a licensed Tennessee Money Transmitter, please click here or visit the NMLS Consumer Access website here.

Virginia

• Zero Hash LLC is licensed by the Virginia State Corporation Commission as a money transmitter, but such a license does not cover the transmission of virtual currency (Bitcoin).
  • Bureau of Financial Institutions
    State Corporation Commission
    1300 East Main Street, Suite 800
    P.O. Box 640
    Richmond, Virginia 23218-0640

Washington

• If you have a complaint, first contact Zero Hash LLC at Zero Hash Help Center or (855) 744-7333, and if you still have an unresolved complaint regarding the company’s money transmission activity, please contact the Washington State Department of Financial Institutions, Division of Consumer Services using one of the following methods: File a complaint online, mail or fax: https://dfi.wa.gov/consumers/loan-complaints. Call us: 1-877-RING DFI (1-877-746-4334) Email us: [email protected].
• Pursuant to WAC 208-690-205, you are advised that fraudulent transactions may result in the loss of your money with no recourse.
• Digital assets held by Zero Hash are not protected by the Securities Investor Protection Corporation (SIPC), the Federal Deposit Insurance Corporation (FDIC), or any form of private insurance carried by Zero Hash. You are solely responsible for maintaining insurance policies for digital assets held by Zero Hash on your behalf. Zero Hash does not make any promises or warranties with respect to any insurance policies carried by Zero Hash or a wallet provider, and you will not be able to make any claims against any insurance policies carried by Zero Hash or wallet provider.
• A description of the pricing and fees for digital asset transactions can be found here.
  You are advised that the transfer of virtual currency and/or digital units is irrevocable. There is no exception to the irrevocability of transfer.
• You are solely responsible for reviewing your transaction receipts and for monitoring your transaction history for any errors. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us within twenty-four (24) hours of the transaction by emailing us at [email protected]. If Zero Hash determines that a transaction was made in error, then Zero Hash may, in its sole discretion, declare the transaction null and void, in whole or in part, even if you do not agree to cancel or modify it, in which case you shall return the digital asset or funds received in the erroneous transaction.
• You are advised that 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.
• 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.

Zero Hash Liquidity Services LLC is Licensed in the Following US Jurisdictions

Disclosure

New York

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 Zero Hash Liquidity Services LLC may prevent the access or use of a customer’s virtual currency.
• Any bond or trust account maintained by Zero Hash Liquidity Services LLC for the benefit of its customers may not be sufficient to cover all losses incurred by customers.

Any complaints regarding Zero Hash LLC or Zero Hash Liquidity Services LLC may be sent to either entity at 327 N Aberdeen St, Chicago, IL 60607-1202 or through email at [email protected] Complaints may also be submitted via telephone at (855) 744-7333. A complainant may also bring his or her complaint to the attention of the New York Department of Financial Services at One State Street, New York, NY 10004-1511 or through the internet at www.dfs.ny.gov. Complaints may also be made to the New York.

Please see this article for Zero Hash's Electronic Fund Transfer Act Disclosures.