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	For Alaska Residents Only: If your issue is unresolved by Zero Hash LLC (855-744-7333), please submit formal complaints with the State of Alaska, Division of Banking & Securities. Formal complaints must be in writing, please download the form here: https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf Formal complaint forms may be submitted via: Fax:  [phone] Email:  [e-mail] Mail:  Division of Banking & Securities PO Box 110807 Juneau, AK  99811-0807 If you have questions regarding formal complaints, please call 907-465-2521
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: [phone] Fax: [phone]
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. If you have a complaint regarding Zero Hash's money transmission activity in the State of Arkansas, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the Arkansas Securities Department at: Arkansas Securities Department Heritage West Building, Suite 300 201 East Markham Street Little Rock, AR 72201-1692
Colorado	Colorado State Banking Commissioner Colorado Money Transmitter 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: [e-mail] website: www.dora.colorado.gov/dob 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.
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)   If you have a complaint regarding Zero Hash's money transmission activity in the State of Connecticut, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the Connecticut Department of Banking at: Connecticut Department of Banking Consumer Credit Division 250 Constitution Plaza Hartford, CT 06103-1800
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. If you have a complaint regarding Zero Hash's money transmission activity in the State of Delaware, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the Office of the State Bank Commissioner at: Office of the State Bank Commissioner 555 E. Lookerman Street, Suite 210 Dover, DE 19901
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: [phone] Email: [e-mail]
Florida	NOTICE: By the Florida Office of Financial Regulation BY GRANTING ZERO HASH 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: [phone] Email: [e-mail]
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 [phone]. Illinois residents may contact the Illinois Department of Financial Institutions, Consumer Credit Section with any unresolved questions or complaints about Zero Hash LLC at [phone] (toll-free).
Iowa	If you have a complaint regarding Zero Hash's money transmission activity in the State of Iowa, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the State of Iowa Division of Banking at: Iowa Division of Banking 200 E. Grand Avenue, Suite 300 Des Moines, Iowa 50309 Telephone: [phone]
Louisiana	Please note the license issued to Zero Hash 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
Maine	If you have a complaint regarding Zero Hash's money transmission activity in the State of Maine, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the Department of Professional and Financial Regulation at: Bureau of Consumer Credit Protection 76 Northern Avenue Gardiner, ME 04305 Telephone: [phone]
Maryland	The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Zero Hash LLC (License No. 12-1699379 and NMLS ID: 1699379) by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, or [phone].
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: [phone]
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. If you have a complaint regarding Zero Hash's money transmission activity in the State of Michigan, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the Michigan Department of Insurance and Financial Institutions at: Michigan Department of Insurance and Financial Institutions PO Box 30220 Lansing MI 48909-7720
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 [phone]. You have a right to dispute errors in your transaction. If you think there is an error contact us within 180 days at 1 [phone] 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: [e-mail].
Mississippi	If you have a complaint regarding Zero Hash's money transmission activity in the State of Mississippi, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the Mississippi Department of Commerce and Financial Institutions Division 85 at: Consumer Finance Division 4780 I-55 North, 5th Floor Jackson, MS 39211 Telephone: [phone]
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: [phone]
Nevada	Zero Hash LLC is licensed by the Nevada Department of Business and Industry as a money transmitter. At this time, the Nevada Department of Business and Industry 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.
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: [phone] Email: [e-mail]
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. If you have a complaint regarding Zero Hash's money transmission activity in the State of New Jersey, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the New Jersey Department of Banking and Insurance at: New Jersey Department of Banking and Insurance 20 West State Street, PO Box 325 Trenton, NJ 08625
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 may prevent the access or use of a customer’s virtual currency. • Any bond or trust account maintained by Zero Hash for the benefit of its customers may not be sufficient to cover all losses incurred by customers. Zero Hash LLC is located at 327 N. Aberdeen St, Chicago, IL 60607, 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 contact Zero Hash at [e-mail] or 1-855-744-7333. For unresolved 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, [phone].
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: [phone]
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: [phone] Email: [e-mail]
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: [phone]
Oklahoma	If you have a complaint regarding Zero Hash's money transmission activity in the State of Oklahoma, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the Oklahoma Department of Banking at: Oklahoma Department of Banking 2900 North Lincoln Boulevard Oklahoma City, OK 73105 Telephone: [phone]
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: [phone] Email: [e-mail]
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: [phone]
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: [phone]
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: [phone]
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 [e-mail] or [phone] 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.
West Virginia	If you have a complaint regarding Zero Hash's money transmission activity in the State of West Virginia, please contact Zero Hash at 1-855-744-7333. For unresolved complaints, please contact the West Virginia Division of Financial Institutions at: West Virginia Division of Financial Institutions 900 Pennsylvania, Suite 306 Charleston, WV 25302 Telephone: [phone]
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: [phone]