Updated Terms and Conditions FAQ

Why did the Terms & Conditions change?

We have bifurcated our current USDC User Agreement into a Circle Account User Agreement and a USDC User Agreement. These changes are designed to make our terms more flexible and accommodate our growing suite of Circle offerings.

We have also updated our Privacy Policy to include our compliance with all applicable privacy laws, including GDPR and CCPA, which can be found here.

What are the major changes?

The two new agreements better address user needs for those who hold USDC only, and those who hold a Circle Account. 

The new agreements more precisely describe our reserves.

The new agreements include the idea of “Supported Blockchains” as USDC evolves to be implemented on more blockchains over time, versus Ethereum only.

Finally, we updated certain risk factors and added necessary regulatory disclosures (e.g. state-specific MTL (money transmitter license) disclosures as needed.


When do these new terms become effective? 

These new terms are effective now.

Do I need to do anything?

Nope! Customers already have been grandfathered into the new terms, based on acceptance of the original terms. If you have questions, please reach us at customer-support@circle.com


How do I read the terms? 

Please feel free to review the new terms. The Circle Account User Agreement is here and USDC Terms are here.