Circle does not currently support preauthorized virtual currency transfers. Circle is not responsible for any charges that you incur based on delayed processing of deposits or withdrawals that might result from overdraft fees or otherwise. If think you may have unclaimed money or property waiting for you, you can check online through free websites and state databases. Circle is a global financial technology firm that enables businesses of all sizes to harness the power of digital currencies and public blockchains for payments, commerce and financial applications worldwide. This Agreement evidences a transaction involving interstate commerce, and therefore, the Federal Arbitration Act (FAA) applies to this Agreement, including the agreement to arbitrate set forth in this Section 26. The laws of the State of Delaware and applicable United States federal law, including the Federal Arbitration Action as specified herein, shall govern this Agreement. By registering for a Circle Account or using any of the Services, you agree that you have read, understood and accept all of the terms and conditions contained in this Agreement as well as the Circle Privacy Policy, Cookie Policy, and E-Sign Consent Policy, and you acknowledge and agree that you will be bound by these agreements and policies. A favorable exchange rate at the time of exchange can result in a tax liability. to an evolving regulatory environment. Digital Currency Transfers cannot be reversed once they have been broadcast to the relevant blockchain, although they may be in a pending state, and designated accordingly, while the transaction is processed by network operators. If an Unauthorized Supported Digital Currency Transaction (as defined below) or Error (as defined below) occurs through your Circle Account, and you follow the procedures set forth in this Section 24, Circle will reimburse you for the amount of any eligible Unauthorized Supported Digital Currency Transaction and any losses resulting from an Error, subject to the limitations set forth in this Section 24. When any transaction occurs using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise. When any transaction occurs using your credentials (including, but not limited to, Digital Currency Transfers), we will assume that you authorized such transaction, unless you notify us otherwise. Nearly every company has the potential to generate unclaimed property through its standard business operations (e.g., accounts payable, accounts receivable through customer overpayments, and payroll). All states offer free searching and claiming when it comes to the unclaimed cash and property they hold. Additionally, Circle may require you to wait some amount of time after completion of a Digital Currency Transfer before permitting you to use further Services and/or before permitting you to engage in transactions beyond certain volume limits. But we also checked the website, which was just registered in August," he said. At the time, Circle hinted that the sluggishness was due to delays at the Securities and Exchange Commission (SEC). Much of that money flowed into USDC, which saw its market value rise to $55 billion on June 20 from $48 billion on May 9. The value of digital and virtual currencies is derived from supply and demand in the global marketplace which can rise or fall independently of any fiat (government) currency. These companies will often contact you to assist in getting your money back. If think you may have unclaimed money or property waiting for you, you can check online through free websites and state databases. You should notify us immediately if you believe that (i) an Unauthorized Supported Digital Currency Transaction or Error has occurred, (ii) your password and/or two-factor authentication access has been compromised, (iii) a device on which you have downloaded the Circle app or which contains an active Circle session has been stolen or lost, or (iv) you believe there is an Error in your transaction records or account history, or you have a question regarding your transaction records or account history. They were able to determine this was a fake due to the lawyer not existing in Canada as well as the website being registered a mere 30 days ago. One in five Floridians has unclaimed funds from a forgotten financial account SEARCH FOR UNCLAIMED PROPERTY SEARCH CLICK HERE HAVE YOU BEEN CONTACTED ABOUT UNCLAIMED PROPERTY? The fastest and most efficient way to notify us of an Unauthorized Supported Digital Currency Transaction or Error is to contact Circles Support Team via email at usdcsupport@circle.com. You agree, represent, and warrant that all funds in your Circle Account, or funds deposited by you with Circle in the future, are not the direct or indirect proceeds of any criminal or fraudulent activity. Not all Supported Digital Currencies are available for use in, or are compatible with, all of our Services. You may not terminate your Circle Account if Circle believes, in its sole discretion, that such closure is being performed in an effort to evade a court order or legal or regulatory investigation or to avoid paying any amounts otherwise due to Circle. The financial institution, for whatever reason, has lost track of the owner. You should consult your legal or tax professional regarding your specific situation. Thats generally bank accounts, life insurance policies, dividend checks, he said. 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. Right to Change/Remove Features or Suspend/Delay Transactions, 20. Based on our use of our security controls, it may be necessary for us to retrieve private keys or related information from offline storage in order to facilitate certain transactions in accordance with your instructions, and you acknowledge that this may delay the initiation or crediting of such transactions. For purposes of this Section 24, an Error means one of the following: (i) if your bank account is charged for an issuance of USDC or EUROC, Circle receives the funds, but the corresponding USDC or EUROC does not show up in your Circle Account, (ii) if you complete a redemption from USDC or EUROC and the funds are not properly delivered by Circle to your bank account, (iii) you transfer a Supported Digital Currency from your Circle Account to an external address and we debit your Circle Account for a Supported Digital Currency amount in excess of the sent amount, (iv) if you receive a Supported Digital Currency to your Circle Account and we do not add the proper amount to your Circle Account, (v) if the transaction records in your Circle Account do not accurately reflect your transactions, or (vi) there is some other material mathematical or computational error by Circle in calculating issuance or redemption amounts. (Note: Not every state participates.). If Circle determines that you or any of your Additional Users have violated this Agreement, including, but not limited to, transacting with Blocked Addresses (as defined in Section 19) or engaging in Restricted Activities or Prohibited Transactions then Circle may be forced to terminate your Circle Account. You may not transfer or assign this Agreement or any rights or obligations hereunder, by operation of law or otherwise and any such attempted assignment shall be void (it being understood and agreed that this Section 28 shall not prohibit you from sending any Supported Digital Currency from your Circle Account in accordance with the terms hereof). consumers. If you have a complaint, or wish to report fraud or suspected fraud, please first contact Circle Support by contacting its phone number, (888) 762-4966, or by visiting the Circle Support Portal. They will charge you a fee after you get your money. Circle may offer various payment processing services to Users. This federal requirement applies to all new Users. For the avoidance of doubt, in the event your Circle Account is suspended or closed, you will no longer be able to access any of the Services. If you get a letter like this and youre asked to pay an upfront fee dont do it, Hutchison warned. Become a partner. Restricted Activities and Prohibited Transactions, 24. Also, if you think you might have uncashed U.S. savings bonds or missing payments, the Treasury Department's Treasury Hunt tool can help you find them. The title to all of your Supported Digital Currency will remain with you at all times. . Why Does The Government Have My Unclaimed Money? The past performance of a We bridge the traditional financial system and the world's leading public blockchains to unlock growth for businesses and investors around the world. You may not copy, imitate, or use them without Circle's prior written consent. To the extent that you utilize your Circle Account for any transaction or service involving USDC, the USDC Terms shall apply to all such transactions and such agreement. In the event that you change or deactivate your mobile telephone number, you agree to promptly update your account information to ensure that your messages are not sent to any person who might acquire your old number. CLICK HERE CONTACT US CLICK HERE CHECK THE STATUS OF YOUR PREVIOUSLY FILED CLAIM CLICK HERE $388 MILLION RETURNED TO FLORIDIANS LAST YEAR! Indiana-DFI Money Transmitter License, 41350, Indiana Department of Financial Institutions, Iowa Division of Banking - Finance Bureau, Kansas Money Transmitter License, MT.00000077, Kansas Office of the State Bank Commissioner, Kentucky Money Transmitter License, SC292165, Kentucky Department of Financial Institutions. In the event that we are required to block funds associated with your account in accordance with a sanctions program, or other similar government sanctions programs, we may: (i) suspend your account; (ii) terminate your account; (iii) return funds to the destination of their origin or to an account specified by authorities; or (iv) require you withdraw funds from your account within a certain period of time, in accordance with Section 19. Some states may charge a processing fee (Texas) for larger amounts, but most will give you the entire amount you owe. We shall not bear any liability for any damage or interruptions caused by any computer viruses, spyware, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack. Circle may and is authorized, without prior notice and both before and after demand, to set off the whole or any part of your liabilities or other amounts payable to Circle, including but not limited to fees, whether such amounts are present or future, actual or contingent, or liquidated or unliquidated, against any sums held by Circle and owed to you, whether under this Agreement or any other agreement between Circle and you. What Constitutes an Unauthorized Supported Digital Currency Transaction or Error? Alabama - SC Money Transmitter License, SC514, Alaska Money Transmitter License, AKMT-10090. Once you have provided us with proper notification (including delivering all of the information set forth in the subsection above and responding to any requests for further information), we will investigate the potential Unauthorized Supported Digital Currency Transaction or Error. First is simple, look up the website/phone number on the postcard and see if it matches the state page. Unclaimed property is cash or other financial assets considered lost or abandoned when an owner can't be found after a certain period of time. Circle incurs no obligation whatsoever with regard to unsupported Digital Currency sent to a Circle Account or incompatible Hosted Wallet. 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 note that Section 326 of the USA PATRIOT Act of 2001 requires all financial institutions to obtain, verify, and record information that identifies each person who registers a Circle Account. The USDC Terms, Euro Coin Terms, and Bridged USDC Terms which are described more fully below, apply to your US Dollar Coin (USDC), Bridged USDC, Euro Coin (EUROC) and your Circle Account, as applicable. If Circle, in its sole discretion, does not elect to support a fork of a given Supported Digital Currency, Circle assumes no responsibility or liability whatsoever for any losses or other issues that might arise from an unsupported fork of a Supported Digital Currency. Circle Internet Financial, the primary issuer of the USD Coin cryptocurrency, is putting on a brave face following the collapse of its postponed $9 billion plan to go public via blank-check company Concord Acquisition Group. Enter your name below to see if you have any unclaimed property due to you: When using the Platform, you will have access to information regarding your balances, type and amount of Supported Digital Currencies in your Hosted Wallet, individual transactions and fees. Circle provides EUROC-related services, which are described more fully in Section 11 and in the Euro Coin Terms. Bob had an estranged uncle who no one had spoken to in over a decade. Recently in Memphis, Tennessee a resident received communication from a lawyer in Canada claiming to help the individual recover unclaimed permanent life insurance from a deceased relative worth $10.6 million. Circle may also temporarily suspend access to your Circle Account in the event that a technical problem causes system outage or Circle Account errors until the problem is resolved. 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. 23 year old hiker missing clothes folded Circle is proud to partner with leading players in the blockchain, payments and technology ecosystems. THE SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. There is plenty of it. A transfer of fiat or virtual currency can be paid out to a recipient within a short time. A little due diligence will help spot a scam or a legitimate outreach effort to get your money back to you! When any transaction occurs using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise. Randy Hutchison, president of the BBB of the Mid-South, toldWHBQ that he was targeted by the scam and said he was almost fooled himself. The headings and explanatory text are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. Circle may charge fees in connection with the Services. However, the net result was different. The Circle Account and Services are currently only available to institutions located in supported jurisdictions. In connection with your use of the Services, you hereby agree that you will not: In addition, using the Services for transactions related to the following is prohibited, and Circle reserves the right to monitor for transactions that relate to: In the event that Circle learns you are making or attempting any Restricted Activities or Prohibited Transactions, Circle will consider it to be a violation of this Agreement and may suspend or terminate your Circle Account. We are committed to protecting your personal information and helping you understand exactly how your personal information is being used. These standards are designed to prevent the use of the Services for money laundering or terrorist financing activities. This Agreement, including any additional agreement incorporated by reference herein; Circles policies governing the Services referenced herein (including, without limitation, those set forth in the USDC Terms, Bridged USDC Terms, and Euro Coin Terms); the Circle Privacy Policy; the Cookie Policy; and the E-Sign Consent Policy constitute the entire agreement between you and Circle with respect to the use of the Services. This Agreement is not intended and shall not be construed to create any rights or remedies in any parties other than you and Circle and other Circle affiliates which each shall be a third-party beneficiary of this Agreement, and no other person shall assert any rights as a third-party beneficiary hereunder. We are not responsible for any claim for unauthorized or incorrect transactions unless you have notified us in accordance with Section 24. Such underlying protocols are generally open source, meaning that anyone can use, modify, copy, and distribute them. If you get a letter like this and youre asked to pay an upfront fee dont do it, Hutchison warned. poker), or other activities that facilitate any of the foregoing, unless such activities are authorized by the jurisdiction in which the User is based as well as by the jurisdiction in which the transaction takes place, and provided any such activities comply with all applicable law; any sort of Ponzi scheme, pyramid scheme, or multi-level marketing program; goods or services that infringe or violate any copyright, trademark, or proprietary rights under the laws of any jurisdiction; credit repair services, or other services that may present consumer protection risks; court ordered payments, structured settlements, tax payments, or tax settlements; any unlicensed money transmitter activity; counterfeit goods, including but not limited to fake or novelty IDs; wash trading, front-running, insider trading, market manipulation or other forms of market-based fraud or deceit; purchasing goods of any type from Darknet markets, or any other service or website that acts as a marketplace for illegal goods (even though such marketplace might also sell legal goods); or. status and are not covered by deposit protection insurance. Except as expressly authorized by Circle, you agree not to modify, reverse engineer, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Services or the Platform, in whole or in part. You must carefully consider the terms related to Supported Digital Currencies herein (including, without limitation, Sections 2 and 12, before attempting to deposit, hold, transact in, or send a Digital Currency using the Platform). Welcome To The Washington Unclaimed Property Website One of our top priorities is reuniting owners with their lost or misplaced property. Assets that are Supported Digital Currencies specifically exclude all other protocols and/or functionality which supplement or interact with Digital Currencies that we support. This Agreement is provided to you and communicated in English. From time to time we may be required to request further information or review or update existing information regarding your account or your transactions to comply with applicable laws and regulation, and in some cases, payment network or ACH rules. Georgia Seller of Payment Instruments License, 42767 (NMLS# 1201441), Georgia Department of Banking and Finance, Idaho Department of Finance Securities Bureau, Illinois Money Transmitter License, MT.0000276, Illinois Department of Financial and Professional Regulation. After each transaction has been placed, Circle will send you a receipt evidencing your transaction via email. Please note the following disclosures associated with virtual currency: Additionally, the following further disclosures are applicable to Circles virtual currency customers: North Carolina Money Transmitter License, 161915, North Dakota Money Transmitter License, MT102734, North Dakota Department of Financial Institutions, Oklahoma - DOB Money Transmission License, Oregon Money Transmitter License, MTX-30151, Pennsylvania Department of Banking and Securities, Puerto Rico Money Transmitter License, TM-054, Puerto Rico Office of the Commissioner of Financial Institutions, Rhode Island Currency Transmitter, 20203910CT, Rhode Island Department of Business Regulation, South Carolina - AG Money Transmitter License, South Carolina Office of the Attorney General, South Dakota Money Transmitter License, 1201441.MT, South Dakota Department of Labor Regulation & Regulation Division of Banking, Tennessee Money Transmitter License, 1201441, Tennessee Department of Financial Institutions. However, investors now have better options to safely earn yields, even if they are not ready to play the stock market yet. What happens if I lose/change my device? When you or a third party sends Digital Currency to a Hosted Wallet from an external wallet not hosted on Circle (Inbound Transfers), the person initiating the transfer is solely responsible for executing the transaction properly, which may include, among other things, payment of sufficient network or miners fees in order for the transaction to be successful. We do not guarantee the identity or value received by a recipient of an Outbound Transfer. 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. Forks, Advanced Protocols, Other Digital Currencies & Supplemental Protocols Not Supported; Bridging, 16. 2023 Cox Media Group. Similarly, you may configure a Circle-hosted deposit address that, when utilized for the receipt of external USDC or EUROC funds, can automatically initiate a fiat wire to an account of your choice at your financial institution. Your use of the Services is subject to the laws, regulations, and rules of any applicable governmental or regulatory authority, including, without limitation, all applicable tax, anti-money laundering (AML) and counter-terrorist financing (CTF) provisions. This return came on the back of revenue and interest income of $274 million. ACCORDINGLY, SOME OF THE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. Any arbitration will be conducted by a single, neutral arbitrator and shall take place in the US county of your most recent physical address or, if there is no such US county, in Suffolk County, Massachusetts, USA. Circle is licensed by the Tennessee Department of Financial Institutions as a money transmitter. For more information regarding how Circle collects, uses, stores, shares and protects your information, please see the Circle Privacy Policy. If you tell us within two (2) business days after you learn of the compromise of your Circle Account or login credentials, you can lose no more than $50 if someone used your login credentials without your permission. This Downtime will likely occur immediately upon a fork of a given Supported Digital Currency, potentially with little to no warning, and during this period of Downtime you will not be able to buy or sell the Digital Currency subject to such fork. Start your search for unclaimed money with your state's unclaimed property office. Circle will make reasonable efforts to ensure that requests for Circle Account transactions are processed in a timely manner, but Circle makes no representations or warranties regarding the amount of time needed to complete processing because the Services are dependent upon many factors outside of our control, such as delays in the banking system or the U.S. or international mail service. The applicable Digital Currency network or Supported Bridge may charge a fee in connection with blockchain transactions. According to the BBB, companies or businesses who help reclaim property do not charge an upfront fee or flat rate. Search to find yours! By using the Services, you represent that your actions are not in violation of such sanctions programs. Reply STOP to any such Mobile Message to Cancel and unsubscribe. Keeping track of all this activity can present a challenge . According to the National Association of Unclaimed Property, there are billions of dollars available and there are many businesses called finders or locators who find legitimate property for people, but Hutchison warnedpeople should be very careful. In the event that you or Circle terminates this Agreement or your access to the Services, or cancels your Circle Account, you remain liable for all activity conducted on or with your Circle Account while it was active and for all amounts due hereunder. It is important for you to understand that it is your sole responsibility to review your transaction history and any notices. By using this website, you accept the terms of our Visitor Agreement and Privacy Policy, and understand your options regarding Ad Choices. But we also checked the website, which was just registered in August," he said. Can you help identify 2 people found dead in King County? You agree that we shall not be liable to you or any third party as a result of any losses suffered by any modification or amendment of this Agreement. The Bridged USDC Terms are incorporated herein by reference. The arbitrator may award any relief that a court of competent jurisdiction could award, including attorneys fees when authorized by law. Potential users of digital or virtual currencies, including but not limited to Bitcoin, should be forewarned of a possible financial loss at the time that such currencies are exchanged for fiat currency due to an unfavorable exchange rate. Failure to provide such information, if requested by Circle, in a timely fashion may result in the suspension of your ability to use the Services (until you provide such information) or the closure of your Circle Account. By agreeing this this Agreement, you agree to resolve all disputes, except as otherwise set forth in Section 26, through binding individual arbitration, which means that you waive any right to have the dispute decided by a judge or jury, and you waive any right to participate in collective action, whether that be a class action, class arbitration, or representative action. Circle does not currently support preauthorized virtual currency transfers.. A schedule of fees that Circle may charge in connection with the Services may be found. The Canadian BBB said there is no such attorney in Canada.. You also agree to provide us, when registering a Circle Account and on an ongoing basis, any additional information we request for the purposes of identity verification and the detection of money laundering, terrorist financing, fraud, or any other financial crime. Please note that the license issued to Circle by the Maryland Department of Labor, Licensing and Regulation does not cover the exchange or transmission of virtual currency. Additional terms and conditions apply to such services. Alabama Treasury serves as custodian of these assets and makes . THE BASICS. Some states will still send out postcards to residents who have missing money periodically throughout the year. In this case, I know better. For help, please contact Circles Support Team. Escheatment and Unclaimed Funds Circle Pay Dormancy Fee Why is Circle Pay discontinuing? Likewise, Bridged USDC sent from your Circle Account to another Circle-hosted deposit address can automatically initiate a bridging of such Bridged USDC to Native Ethereum USDC and automatically initiate a fiat wire to an account of your choice at your financial institution. Perhaps they died or moved without a forwarding address. About Circle Management & Governance Financials Latest News If you do not provide such additional information, it may inhibit our ability to resolve your issue or limit your rights under this Section 24. The tables contained in the documents linked below outline due dates for holder due diligence as well as Notice and Remit report filing, and can be used to determine when property is reportable. You permit us to keep a record of such information and authorize us to make the inquiries, whether directly or through third parties, that we consider necessary or desirable to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably deem necessary based on the results of such inquiries. After first contacting Circle, if you still have an unresolved complaint regarding the company's regulated activity, please direct your complaint to: Consumer Assistance Unit NYS Department of Financial Services One Commerce Plaza Albany, NY 12257 Toll-Free Number: 1-877-226-5697. The Louisiana Office of Financial Institutions does not currently license or regulate services related to virtual currency including but not limited to transmission or exchange which may be conducted by Circle. digital asset is not a guide to future performance, nor is it a reliable indicator of As described in the Bridged USDC Terms, Circle may facilitate your ability to use the Supported L2 Networks and Supported Bridges to deposit Bridged USDC to your Circle Account and/or withdraw Bridged USDC to an external address on a Supported L2 Network. However you choose to notify us, you must include: Note that in connection with investigating and/or resolving any Unauthorized Supported Digital Currency Transaction or Error, we may need to request further information from you regarding the circumstances of the Unauthorized Supported Digital Currency Transaction or Error.
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