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State Money Transmitter Disclosures

State Disclosure 
Alabama  Zero Hash is licensed by the Alabama Securities Commission as a money transmitter. The Alabama Monetary Transmission Act, defines “monetary value” as “[a] medium of exchange, including virtual or fiat currencies, whether or not redeemable in money.” The act requires that every person engaging in the business of monetary transmissions obtain a license from the state. Money transmission includes receiving monetary value (including virtual currency) for transmission. The act exempts banks, bank holding companies, securities-clearing firms, payment and settlement processors, broker-dealers, and government entities.
Alaska

State of Alaska

Division of Banking & Securities

PO Box 110807 Juneau, AK 99811-0807

Phone #: 907-465-2521

Email: msb_licensing@alaska.gov

For unresolved issues, file complaint online: http://www.nmlsconsumeraccess.org/

Arizona

If you have a complaint regarding the company’s money transmission activity in the State of Arizona, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Arizona Department of Financial Institutions at:

100 N 15th Avenue, Suite 261
Phoenix, AZ  85007

Telephone: (602) 771-2800
Fax: (602) 381-122

Arkansas Zero Hash is licensed by the Arkansas Department of Securities as a
money transmitter. At this time, the Arkansas Department of Securities does not license or regulate services related to virtual currency, including but not limited to virtual currency transmission or exchange which may be conducted by Zero Hash.
Colorado

Colorado Money Transmitter Customer Notice

If you are a Colorado resident and have a Complaint about Zero Hash, the money transmitter which 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, Colorado 80202

email: DORA_BankingWebsite@state.co.us
website: www.dora.colorado.gov

Connecticut Zero Hash is licensed by the Connecticut Department of Banking as a
money transmitter. At this time, the Connecticut Department of Banking requires businesses engaged in virtual currency transmission to be licensed, requiring money transmitters holding virtual currency for another person actually hold such virtual currency (thus treating virtual currency as not fungible)
Delaware Zero Hash is licensed by the Delaware Bank Commissioner as a money transmitter. There are no blockchain or virtual currency specific regulations enacted or pending in Delaware.
District of Columbia

If you have a complaint regarding the company’s money transmission activity in the District of Columbia, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the District of Columbia Department of Insurance, Securities, and Banking at:

Telephone: (202) 727—8000

Fax: (202) 354-1058

Email: disb.complaints@dc.gov

Florida NOTICE: By the Florida Office of Financial Regulation

BY GRANTING COINBASE A LICENSE, THE FLORIDA OFFICE OF FINANCIAL REGULATION IS NOT ENDORSING THE USE OF DIGITAL OR VIRTUAL CURRENCIES.

* U.S. currency is legal tender backed by the U.S. government.
* Digital and virtual currencies are not issued or backed by the U.S. government, or related in any way to U.S. currency, and have fewer regulatory protections.
* 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.
* Holding digital and virtual currencies carries exchange rate and other types of risk.

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. A FAVORABLE EXCHANGE RATE AT THE TIME OF EXCHANGE CAN RESULT IN A TAX LIABILITY. PLEASE CONSULT YOUR TAX ADVISOR REGARDING ANY TAX CONSEQUENCES ASSOCIATED WITH YOUR HOLDING OR USE OF DIGITAL OR VIRTUAL CURRENCIES.
Georgia Zero Hash is licensed by the Georgia Department of Banking and Finance
as a money transmitter. At this time, the Georgia Department of Banking and Finance authorizes the Department to enact rules and regulations to apply to persons engaged in money transmission or the sale of payment instruments involving virtual currency, as it finds necessary to, among other things, ensure the continued solvency, safety, soundness, and prudent conduct of persons engaged in those businesses, protect customers, encourage high standards of honesty, transparency, fair business practices and public responsibility, and  provide customers with timely and understandable information about virtual currency products and services.
Idaho

If you have a complaint regarding the company’s money transmission activity in the State of Idaho, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Idaho Department of Finance at:

P.O. Box 83720,

Boise, ID 83720-0031

Telephone: (208) 332-8004

Email: securities@finance.idaho.com

Illinois

Zero Hash is licensed by the Illinois by the Department of Financial and Professional Regulation as a money transmitter. Under the Department’s guidance, digital currencies are not “money” under the Transmitters of Money Act & therefore “[a] person or entity engaged in the transmission of solely digital currencies, as defined, would not be required to obtain a TOMA license.” See IL Department of Financial & Professional Regulation, Digital Currency Regulatory Guidance, (July 13, 2017), available at

http://www.idfpr.com/Forms/DFI/CCD/IDFPR%20-%20 Digital%20Currency%20Regulatory%20Guidance.pdf

The Illinois Department of Financial & Professional Regulation (https://www.idfpr.com/) will accept complaints at 1-888-473-4858, or by mail at: 320 West Washington Street, 3rd Floor, Springfield, Illinois 62786. You may also 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.

Louisiana 

Please note the license issued to Coinbase by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency.

Louisiana Office of Financial Institutions
P.O. Box 94095
Baton Rouge, LA 70804-9095

Maryland

If you have a complaint regarding the company’s money transmission activity in the State of Maryland, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Maryland Department of Labor, Licensing & Regulation at:

Maryland Commissioner of Financial Regulation

500 North Calvert Street, Suite 402

Baltimore, Maryland 21202

Telephone: (410)-230-6100 or toll free at (888) 784-0136

Email: DLFRFinReg-DLLR@maryland.gov

Massachusetts

If you have a complaint regarding the company's money transmission activity in the state of Massachusetts, please contact Zero Hash at 1-855-744-7333

For unresolved complaints, please contact the Massachusetts Division of Banks at:

Massachusetts Division of Banks

Licensing Unit - CFMSB

1000 Washington Street, 10th Floor

Boston, MA 02118

Telephone: (617) 956-1500

Michigan Please note the license issued to Zero Hash by the Michigan Department
of Insurance and Financial Services does not cover the exchange or transmission of virtual currency.
Minnesota

Please note the license issued to Zero Hash by the Minnesota Department of Commerce does not cover the exchange or transmission of virtual currency.

The Minnesota Department of Commerce (www.commerce.state.mn.us) will accept complaints at 651-539-1500 or by mail (Main Office, Golden Rule Building, 85 7th Place East Suite 280 Saint Paul, Minnesota 55101). You may also 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. You have a right to dispute errors in your transaction. If you think there is an error contact us within 180 days at 1 (855) 744-7333 or www.seedcx.com. You can also contact us for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. For questions or complaints about Zero Hash LLC, contact: compliance@seedcx.com.

Missouri

If you have a complaint regarding the company’s money transmission activity in the State of Missouri, please contact Zero Hash at 1-855-744-7333.


For unresolved complaints, please contact the Missouri Division of Finance at:
Missouri Division of Finance
Truman State Office Building Room 630
Jefferson City, MO 65102
Telephone: (573) 751-3242

New Hampshire

If you have a complaint regarding the company’s money transmission activity in the State of New Hampshire, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the New Hampshire Banking Department at:

New Hampshire Banking Department
53 Regional Drive, Suite 200
Concord NH 03301

Telephone: (603) 271-3561

Email: nhbd@banking.nh.gov

New Jersey Zero Hash is licensed by the New Jersey Department of Banking and Insurance as a money transmitter. Please note the license issued to Zero Hash by the New Jersey Department of Banking and Insurance does not cover the exchange or transmission of virtual currency.
North Carolina

If you have a complaint regarding Zero Hash's money transmission activity in the State of North Carolina, please contact Zero Hash at 1-855-744-7333.


For unresolved complaints, please contact the North Carolina Commissioner of Banks at:


North Carolina Commissioner of Banks
316 W. Edenton Street
Raleigh, NC 27699-4309
Telephone: (919) 733-3016

North Dakota

If you have a complaint regarding the company’s money transmission activity in the State of North Dakota, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the North Dakota Department of Financial Institutions at:

200 Schafer Street, Suite G

Bismark, ND 58501-1204

Telephone: (701) 328-9933

Email: dfi@nd.gov 

Ohio

If you have a complaint regarding the company’s money transmission activity in the State of Ohio, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Ohio Department of Commerce at:

Division of Financial Institutions 
77 South High Street, 21st Floor 
Columbus, Ohio 43215-6120 

Telephone: (866) 278-0003

Oregon

If you have a complaint regarding the company’s money transmission activity in the State of Arizona, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Oregon Division of Financial Regulation at:

Oregon Division of Financial Regulation
P.O. Box 14480
Salem, OR 97309-0405

Telephone: (866) 814-9710

Email: DCBS.DFCSMAIL@oregon.gov

Puerto Rico

If you have a complaint regarding the company's money transmission activity in Puerto Rico, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Puerto Rico Office of the Commissioner of Financial Institutions at:

Office of the Commissioner of Financial Institutions 

1492 Ponce de Leon Avenue, Suite 600

Centro Europa Building

San Juan, PR 00907

Telephone: (307) 777-6605

Rhode Island

If you have a complaint regarding the company’s money transmission activity in the State of Rhode Island, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Rhode Island Department of Business Regulation at:

State of Rhode Island Department of Business Regulation
Division of Banking
1511 Pontiac Avenue, Bldg 68-2
Cranston, RI 02920

Telephone: (401) 462-9503

South Carolina

If you have a complaint regarding the company’s money transmission activity in the State of South Carolina, please contact Zero Hash at 1-855-744-7333.


For unresolved complaints, please contact the South Carolina Money Service Division at:

Money Service Division
Rembert C. Dennis Building
Columbia, SC 29201
Telephone: (573) 751-3242

South Dakota Zero Hash is licensed by the South Dakota Department of Labor and Regulation as a money transmitter. There are no blockchain or virtual currency specific regulations enacted or pending in South Dakota
Tennessee Please note that this license and the required surety bond do not cover the transmission of virtual currency. Zero Hash is licensed by the Tennessee Department of Financial Institutions as a money transmitter. The Tennessee Department of Financial Institutions does not regulate virtual currency.
Texas If you have a complaint, first contact Zero Hash LLC at compliance@seedcx.com or (855) 744-7333 x 108. If you still have an unresolved complaint regarding the company's money transmission or exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.
Vermont Vermont applies its money transmission laws to virtual currency. Vermont allows companies to hold virtual currency as a permissible investment. Digital currency businesses with money transmitter licenses are required to hold a certain amount of permissible investments and this law makes it clear that virtual currency counts as a permissible investment.
Virginia Zero Hash is licensed by the Virginia State Corporation Commission as a money transmitter, but such license does not cover the transmission of virtual currency (Bitcoin).
Washington Zero Hash is licensed by the Washington State Department of Financial Institutions as a money transmitter. Washington applies its money transmission laws to virtual currency. The state includes virtual currency within its definition of money transmission in its Uniform Money Services Act. Virtual Currency exchange operators are under the state’s money transmitter rules and requires them to comply with the same licensing requirements as traditional money transmitters. 
Wyoming

If you have a complaint regarding the company’s money transmission activity in the State of Wyoming, please contact Zero Hash at 1-855-744-7333.

For unresolved complaints, please contact the Wyoming Department of Audit at:

Wyoming Department of Audit Hathaway Building

2300 Capitol Ave., 2nd Floor

Cheyenne, WY 82002

Telephone: (307) 777-6605

 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days at 1 (855) 744-7333  or www.seedcx.com or via mail at our corporate address of 2 N. LaSalle St., Suite 1400, Chicago, IL 60602. You can also contact us for a written explanation of your rights. You can cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited. Fraud Prevention: If you suspect that you are a victim of fraud, immediately contact us at 1 (855) 744-7333 x 108. For questions or complaints about Zero Hash LLC, contact: compliance@seedcx.com.