Disclosures
KRAKEN LEGAL DISCLOSURES
Last updated: Sept 19, 2024
PLEASE READ THESE LEGAL DISCLOSURES CAREFULLY. BY ACCESSING OR USING THE SERVICES, YOU AGREE TO BE LEGALLY BOUND BY THESE DISCLOSURES.
Digital Assets. The term “digital asset(s)” does not refer to any legal or regulatory category under any national framework. The value of digital assets can be volatile and there can be a substantial risk that you lose money buying, selling, holding, or investing in digital assets. Each digital asset has unique features and you should research and understand an asset before you trade. Kraken is not an affiliate of the project teams of digital assets listed on Kraken’s platform.
Not Investment Advice. The information about digital assets on any Kraken website (including www.kraken.com and blog.kraken.com), the Kraken exchange, e-mails, or any other communications is for general information purposes only. Kraken does not provide investment, tax, or legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. The information should not be construed as a recommendation or solicitation to buy, sell, stake, or hold any digital asset or to open an account or engage in any specific trading strategy. You should consult your financial advisor, or legal or tax professional regarding your specific situation and financial condition and carefully consider whether trading, staking, or holding digital assets is suitable for you.
Kraken Ventures. Kraken holds tokens on its balance sheet for operational purposes or other reasons. Kraken Ventures, in which Kraken is a limited partner, is an investor in certain tokens. Kraken may therefore benefit from listing certain tokens on the platform. However, Kraken Ventures may be subject to a contractual lock-up for a period of time after its investment during which it cannot sell the tokens. All tokens, regardless of whether held by Kraken or Kraken Ventures, are subject to the same strict review process and guidelines in determining whether to make them available to trade on Kraken.
Related Parties. There may be instances when an individual or individuals acting on Payward's behalf is an investor, directly or indirectly, in certain tokens, and therefore may benefit from Kraken’s listing such tokens on the platform. However, such individual or individuals may be subject to a contractual lock-up for a period of time after the investment during which they cannot sell the tokens. All tokens, regardless of whether the investors are associated with Payward, are subject to the same strict review process and guidelines in determining whether to make them available to trade on Kraken.
No Insurance. Digital assets and Kraken accounts are not covered by insurance against losses. They are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections in the United States or the protections of any comparable organization anywhere in the world.
FURTHER DISCLOSURES RELATED TO LICENSES
DISCLOSURE FOR CLIENTS IN THE UNITED KINGDOM
Payward Limited, doing business as Kraken, is registered with the Financial Conduct Authority (FCA) in the United Kingdom as a cryptoasset business with effect from 22 November 2021 under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, amended (MLRs) subject to conditions.
The digital asset exchange and custody services are provided to you by Kraken as a registered cryptoasset business in the United Kingdom. However, as most cryptoassets are not specified investments under the Financial Services and Markets Act 2000 (FSMA), you will not be protected by the Financial Ombudsman Service or the Financial Services Compensation Scheme and you will have no recourse to the above-mentioned services in the event of a complaint relating to Kraken.
DISCLOSURE FOR CLIENTS OF PAYWARD MENA HOLDING LIMITED
Virtual Assets can be volatile and may not be suitable for everyone. Please ensure you fully understand the risks involved. Payward MENA Holding Limited does not issue advice, make recommendations or opinions in relation to acquiring, holding or disposing of Virtual Assets. Payward MENA Holding Limited is not a financial advisor and all services are provided on an execution only basis. Payward MENA Holding Limited is a company registered at Unit 1, Floor 7, Al Khatem Tower, ADGM Square, Al Maryah Island, Abu Dhabi, UAE, and is authorized and regulated by the Financial Services Regulatory Authority (Financial Services Permission Number 190008) under the laws of Abu Dhabi Global Market.
DISCLOSURE FOR CLIENTS IN AUSTRALIA
Bit Trade Pty Ltd (ACN 163 237 634) (Bit Trade), doing business as Kraken, is registered with the Australian Transaction and Reporting Analysis Centre (AUSTRAC) in Australia under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and associated regulations.
Some cryptoassets are unregulated in Australia, profits may be subject to capital gains tax, and the value of cryptoassets can go down or up.
In accordance with Kraken's Terms of Service, Kraken and/or its affiliates may offer a variety of products and services to you, including but not limited to digital asset exchange and custody services. Kraken does not provide access to any digital assets that are financial products for the purposes of the Corporations Act 2001 (Cth) and does not hold an Australian financial services licence in connection with its digital currency exchange. You will not be protected by the Australian Financial Complaints Authority (AFCA) or the general consumer protection obligations owed by Australian financial services licensees in the event of a complaint relating to Kraken.
KRAKEN DERIVATIVES - WHOLESALE AUSTRALIAN CLIENTS ONLY
Additionally, Bit Trade is an authorised representative (AR No 001312156), of Beaufort Fiduciaries Pty Ltd (ACN 162 139 871), an Australian financial services licence holder (AFSL No 545124) with respect to the Kraken derivatives trading services known as Kraken Derivatives. Bit Trade's authorisations do not apply to any other services or in relation to digital assets otherwise offered by Kraken.
All derivatives will be made available to Australian wholesale clients by Beaufort Fiduciaries Pty Ltd.
By opening an account with us as a wholesale client, you represent, warrant, acknowledge and agree that you qualify as a 'wholesale client' within the meaning of the Australian Corporations Act 2001 (Cth) and you will be liable for any loss incurred by Bit Trade and/or Beaufort Fiduciaries Pty Ltd as a result of a violation of this representation.
DISCLOSURES FOR CLIENTS IN CANADA
Payward Canada Inc., operating as Kraken, is registered as a Restricted Dealer with the Ontario Securities Commission and the securities regulators in each of the provinces and territories of Canada.
Although the term "stablecoin" is commonly used, there is no guarantee that the asset will maintain a stable value in relation to the value of the reference asset when traded on secondary markets or that the reserve of assets, if there is one, will be adequate to satisfy all redemptions.
DISCLOSURES FOR CLIENTS IN BELGIUM
Virtual currencies, real risks. The only guarantee in crypto is risk. Read more: www.kraken.com/legal/be-disclaimer.
DISCLOSURES FOR CLIENTS IN IRELAND FOR FIAT SERVICES
Payward Ireland Limited, trading as Kraken, is regulated by the Central Bank of Ireland.
DISCLOSURES FOR CLIENTS IN NETHERLANDS
Payward Continental Services Limited (PCSL) is registered with the Dutch Central Bank (DNB) as a crypto service provider. DNB supervises PCSL’s compliance with the Act on the Prevention of Money Laundering and Terrorist Financing (Wet ter voorkoming van witwassen en financiering van terrorisme) and the Sanctions Act 1977 (Sanctiewet 1977). PCSL is not subject to prudential supervision by DNB or conduct supervision by the Dutch Authority for the Financial Markets (AFM). This means that financial requirements or business risks are not supervised and there is no specific financial consumer protection. PCSL is registered with DNB exclusively for its services for the exchange between virtual and fiat currencies and custodial wallet services, without this registration extending to other products or services.
Payward Continental Services Limited (PCSL) heeft een registratie bij De Nederlandsche Bank N.V. (DNB) als aanbieder van cryptodiensten. DNB houdt toezicht op de naleving door PCSL van de Wet ter voorkoming van witwassen en financieren van terrorisme en de Sanctiewet 1977. PCSL staat niet onder prudentieel toezicht van DNB of onder gedragstoezicht van de Autoriteit Financiële Markten (AFM). Dit betekent dat er geen toezicht wordt gehouden op financiële eisen of bedrijfsrisico’s en er geen sprake is van specifieke financiële consumentenbescherming. PCSL is uitsluitend geregistreerd bzij DNB voor haar diensten gericht op het wisselen tussen virtuele valuta en fiduciaire valuta, en voor het aanbieden van bewaarportemonnees, zonder dat deze registratie van toepassing is op andere producten of diensten.
Not investment advice. Crypto trading involves risk of loss.
Geen beleggingsadvies. Handelen in cryptovaluta brengt een risico van verlies met zich mee.
DISCLOSURES FOR CLIENTS IN GERMANY
This service is provided by DLT Finance, a brand of DLT Securities GmbH and DLT Custody GmbH. BaFin supervises DLT Securities GmbH for crypto trading and DLT Custody GmbH for crypto custody.
Dieser Service wird von DLT Finance bereitgestellt, einer Marke der DLT Securities GmbH und DLT Custody GmbH. Die BaFin beaufsichtigt DLT Securities GmbH für Kryptohandel und DLT Custody GmbH für Kryptoverwahrung.
DISCLOSURE FOR CLIENTS IN THE EUROPEAN UNION
Investment services, ancillary services and investment activities (the "Services") in relation to derivatives are provided and carried out by Payward Europe Digital Solutions (CY) Limited (ex I.F. Greenfields Wealth Ltd) ("PEDSL-CY"). PEDSL-CY is authorised and approved by the Cyprus Securities and Exchange Commission (CySEC) for the provision of the Services. PEDSL-CY is authorised and regulated by the Cyprus Securities and Exchange Commission with licence number 342/17. PEDSL-CY is registered in Cyprus with registered number HE 356603.
US LICENSES, REGISTRATIONS, AND REGULATORY DISCLOSURES
Payward Interactive, Inc. is registered as a Money Services Business with the Financial Crimes Enforcement Network (“FinCEN”), which is a bureau of the U.S. Department of the Treasury. The FinCEN registration number for Payward Interactive, Inc. is 31000270997766.
Payward Interactive, Inc. also holds licenses in the following U.S. jurisdictions. Additional information on certain state-level licenses may be obtained by accessing the Nationwide Multistate Licensing System (NMLS) Consumer Access website and referencing NMLS ID 1843762.
Jurisdiction
License
State Agency
Alabama
Money Transmitter License
801
Alabama Securities Commission
445 Dexter Avenue, Suite 12000
Montgomery, AL 36104
Alaska
Alaska Department of Commerce, Community, and Economic Development Division of Banking & Securities
550 W 7th AVE, STE 1850
Anchorage, AK 99501
Arizona
Arizona Department of Insurance & Financial Institutions
100 North 15th Avenue, Suite 261
Phoenix, AZ 85007-2630
Arkansas
Arkansas Securities Department
1 Commerce Way, Suite 402
Little Rock, AR 72202
Connecticut
Money Transmitter License
MT-1843762
Connecticut Department of Banking
260 Constitution Plaza
Hartford, CT 06103-1800
Delaware
Check Seller
Money Transmitter License 027903
Delaware Office of the State Bank Commissioner
1110 Forrest Avenue
Dover, DE 19904
District of Columbia
District of Columbia Department of Insurance, Securities and Banking Bureau
1050 First St NE #801
Washington, DC 20002
Florida
Florida Office of Financial Regulation
101 E. Gaines Street
Tallahassee, FL 32399
Georgia
Department of Banking and Finance
2990 Brandywine Road, Suite 200
Atlanta, GA 30341
Idaho
Money Transmitters
MTL-0235
Idaho Department of Finance
P.O. Box 83720
Boise, ID 83720-0031
Illinois
Illinois Department of Financial and Professional Regulation
555 West Monroe St., 8th Floor
Chicago, IL 60661
Iowa
Money Services License
2019-0056
Iowa Division of Banking
200 E. Grand Avenue, Suite 300
Des Moines, IA 50309
Kansas
Kansas Office of the State Bank Commissioner
700 SW Jackson St., Suite 300
Topeka, KS 66603
Kentucky
Money Transmitter License
SC857951
Department of Financial Institutions
500 Mero Street 2 SW19
Frankfort, Kentucky 40601
Louisiana
Virtual Currency Business Activity License
Louisiana Office of Financial Institutions
Post Office Box 94095
Baton Rouge, LA 70809
Maryland
Maryland Commissioner of Financial Regulation
Attention: Licensing Unit
500 North Calvert Street, Suite 402
Baltimore, Maryland 21202
Michigan
Money Transmitter License
MT0022200
Michigan Department of Insurance and Financial Services
Consumer Finance Section
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
Minnesota
Minnesota Department of Commerce
85 7th Place East, Suite 280,
Saint Paul, MN 55101
Missouri
Sale of Checks and Money Transmitter License
MO-25-9662
Missouri Department of Commerce and Insurance
Division of Finance
PO Box 716
301 W High Street
Jefferson City, MO 65102
Mississippi
Mississippi Department of Banking and Consumer Finance
Post Office Box 12129
Jackson, MS 39236
Nebraska
Money Transmitter License
Nebraska Department of Banking and Finance
1526 K St #300
PO Box 95006
Lincoln, NE 68508
Nevada
Financial Institutions Division, Department of Business & Industry
3300 W. Sahara Ave, Suite 250
Las Vegas, NV 89102
New Hampshire
Money Transmitter License
23135-MT
New Hampshire Banking Department
53 Regional Drive Suite 200
Concord, NH 03301
New Jersey
Money Transmitter License
L072460
New Jersey Department of Banking & Insurance
PO Box 473
Trenton, NJ 08625
New Mexico
Money Transmission License
New Mexico Financial Institutions Division
Money Services Business Unit
2550 Cerrillos Road
P.O. Box 25101
Santa Fe, NM 87505
North Carolina
Money Transmitter License
184933
North Carolina Office of the Commissioner of Banks
316 W. Edenton Street
Raleigh, NC 27603
North Dakota
North Dakota Department of Financial Institutions
1200 Memorial Highway
Bismark, ND 58504
Ohio
Money Transmitter License Number
OHMT186
Ohio Division of Financial Institutions
77 South High Street, 21st Floor
Columbus, OH 43215-6120
Oklahoma
Money Transmission License
OKDOB001
Oklahoma Banking Department
2900 North Lincoln Boulevard
Oklahoma City, OK 73105
Oregon
Money Transmitter License
30242
Oregon Division of Financial Regulation Licensing Section 350 Winter St., NE, Suite 410
Salem, OR 97301
Pennsylvania
Pennsylvania Department of Banking and Securities Market Square Plaza
17 N. Second Street, Suite 1300 Harrisburg, PA 17101
Puerto Rico
Money Transmitter License
TM-131
Office of the Commissioner of Financial Institutions
Regulation and Licensing Division
1492 Ave. Ponce De León Suite 600,
Centro Europa Building
San Juan, PR 00907
Rhode Island
Currency Transmitter
20204040CT
Rhode Island Department of Business Regulation
1511 Pontiac Avenue
Cranston, RI 02920
South Carolina
Money Transmitter License
South Carolina Office of the Attorney General
Money Services Division of Banking
1000 Assembly Street, Room 519
Columbia, SC 29201
South Dakota
Money Transmitter License
1843762.MT
South Dakota Division of Banking
1714 Lincoln Ave., Suite 2
Pierre, SD 57501
Tennessee
Tennessee Tower
13th Floor, 312 Rosa L. Parks Avenue,
Nashville, TN 37243
Texas
Texas Department of Banking
2601 North Lamar Boulevard
Austin, TX 78705
Vermont
Vermont Department of Financial Regulation
89 Main Street
Montpelier, VT 05620-3101
Virginia
Virginia Bureau of Financial Institutions
1300 East Main Street, Suite 800
Richmond, VA 23219
Washington
State of Washington Department of Financial Institutions
Division of Consumer Services
150 Israel Road, S.W.
Tumwater, WA 98501
Mailing Address:
P.O. Box 41200
Olympia, WA 98504-1200
West Virginia
Money Transmitter License
WVMT-1843762
West Virginia Division of Financial Institutions
900 Pennsylvania Avenue, Suite 306
Charleston, WV 25302-3542
Wisconsin
Wisconsin Department of Financial Institutions
4822 Madison Yards Way
Madison, WI 53705
U.S. Money Transmitter Disclosures
Alaska
For Alaska Residents Only:
If your issue is unresolved by Payward Interactive, Inc., 1-888-837-8818, please submit formal complaints with the State of Alaska, Division of Banking & Securities.
Please download the form here:
https://www.commerce.alaska.gov/web/portals/3/pub/DBSGeneralComplaintFormupdated.pdf
Submit formal complaint form with supporting documents:
Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807
If you are an Alaska resident with questions regarding formal complaints, please email us at
[email protected] or call Nine Zero Seven Four Six Five Two Five Two One
Arizona
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may
complete an Online Complaint Form as stated on the File a Complaint against a Financial Institution or Enterprise page.
AZ e-Licensing Portal for filing a complaint
AZDFI Consumer Complaint Portal: https://elicense.az.gov/ARDC_FileComplaint
Arkansas
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file the completed complaint form by e-mailing [email protected] or by mailing at:
1 Commerce Way, Suite 402
Little Rock, Arkansas 72202
Telephone: (501) 324-9260
Facsimile: (501) 324-9268
For additional information please refer to the How To File A Complaint page for the Arkansas Securities Department.
District of Columbia
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Department at:
District of Columbia Department of Insurance, Securities and Banking
1050 First St., NE, Suite 801
Washington, DC 20002
Phone: (202) 727-8000
Fax: (202) 354-1085
E-mail: [email protected]
Florida
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Florida Office of Financial Regulation at:
Online:
https://flofr.gov/sitePages/FileAComplaint.htm. To file your complaint, you will need to register electronically through Online Services. A valid email address is required.
Or
By mail:
Florida Office of Financial Regulation - Consumer Finance
200 E. Gaines Street, Tallahassee, FL 32399-0376
Telephone: (850) 487-9687
Georgia
Licensed by The Georgia Department of Banking and Finance. (Lic. # 66683/ NMLS# 1843762).
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc. money transmission activity, you may contact the Georgia Department of Banking and Finance - Consumer Resources at (770) 986-1633.
For more information please refer to https://consumer.georgia.gov/resolve-your-dispute/how-do-i-file-complaint. To file a complaint with the regulators, you may securely do so with the Consumer Financial Protection Bureau, an agency of the federal government, at http://www.consumerfinance.gov/complaint/ or by telephone at (855) 411-2372.
Illinois
Illinois Division of Banking
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it online with the Illinois Division of Banking at https://idfpr.illinois.gov/admin/banks/dobcomplaints.html.
Kansas
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Office of the State Bank Commissioner.
1) Complete consumer assistance PDF form
English: https://www.osbckansas.org/consumer_files/complaintform.pdf
Spanish: https://www.osbckansas.org/consumer_files/spanish_complaintform.pdf
2) Mail or fax the completed consumer assistance form and attachments to:
Kansas Office of the State Bank Commissioner
Attn: Consumer Affairs
700 SW Jackson St, Suite 300
Topeka, KS 66603
Fax: (785) 371-1229
Email: [email protected]
If submitting electronically, submit your complaint here: https://www.osbckansas.org/consumers/file-a-complaint/
KS e-Licensing Portal for filing a complaint
KS State Bank Commissioner of Kansas Complaint Portal: https://www.osbckansas.org/consumers/file-a-complaint/
Louisiana
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Office of Financial Institutions.
All complaints must be submitted in writing. To file a complaint, please complete the complaint form and send to OFI (http://www.ofi.state.la.us/) by mail, email, or fax.
Please note the following disclosures associated with virtual currency:
Virtual currency is not legal tender in the United States and is not backed by the United States government. Payward Interactive, Inc. is not a bank or depository institution insured by the Federal Deposit Insurance Corporation and virtual currency is 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 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 may be immediately effective 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 legal tender for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency if the market for the virtual currency declines or collapses for an extended period of time.
Any surety bond required by law for the benefit of customers may not be sufficient to cover all losses incurred by customers.
Customers should perform research before purchasing or investing in virtual currency.
Maryland
If you have experienced any problems or difficulties with your transaction(s), please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file a complaint by contacting the Maryland Department of Labor.
The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Payward Interactive, Inc. NMLS ID: 1843762 by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore, MD 21202, or (888) 784-0136.
Minnesota
To make a complaint, please make a call contacting the following:
Minnesota Department of Commerce
85 8th Place East, Suite 208
Saint Paul, MN 55101
(Local) 651-539-1500
(Complaints) 651-539-1600
MN e-Licensing Portal for filing a complaint:
MN Department of Commerce’s complaint page:
Mississippi
The Mississippi Department of Banking & Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us to allow the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file your complaint online at https://dbcf.ms.gov/complaint-form/
MS e-Licensing Portal for filing a complaint:
MS Banking & Consumer Finance complaint page: https://dbcf.ms.gov/complaint-form/
Nevada
Virtual Currency Disclosure
Payward Interactive, Inc 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 Payward Interactive, Inc.
Nevada Consumers
If your account has a Nevada mailing address, we are providing this notice pursuant to Nevada law. If you prefer not to receive marketing calls from Payward Interactive, Inc. and wish to be added to Do Not Call List, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have further questions and need additional information, you can contact the Bureau of Consumer Protection, Office of the Nevada Attorney General at:
Grant Sawyer Building, 555 E. Washington Avenue, Suite 3900, Las Vegas, NV 89101
Telephone: 702-486-3420
Fax: 702-486-3768
Attorney General’s Bureau of Consumer Protection Hotline: 702-486-3132
email: [email protected]
North Dakota
If your account has a North Dakota mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows, or you provide authorization. Written authorizations from North Dakota consumers may be delivered to us at the email or mailing address below and must contain your name, address, signature and your consent. You may revoke your consent at any time by calling us at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us, or by writing at the addresses below:
Payward Interactive, Inc.
106 E. Lincolnway, 4th Floor
Cheyenne, WY 82001
Pennsylvania
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us.
If you have an unresolved complaint you can file with the Consumer Financial Protection Bureau, an agency of the federal government, at http://www.consumerfinance.gov/complaint or by telephone at (855) 411-2372.
For more information please contact the Pennsylvania Department of Banking and Securities (https://www.pa.gov/en/agencies/dobs.html; Tel: 1-800-722-2657).
Tennessee
Payward Interactive, Inc. is licensed by the Tennessee Department of Financial Institutions as a money transmitter.
Virtual Currency Disclosure
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.
Texas
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, please direct your complaint to:
Texas Department of Banking
2601 N. Lamar Blvd.
Austin, Texas 78705-4294
Toll Free: (877) 276-5554
E-Mail: [email protected]
Fax #: (512) 475-1288
TX e-Licensing Portal for filing a complaint:
Texas Department of Banking complaint page: https://www.dob.texas.gov/money-services-businesses/how-file-complaint
Vermont
If your account has a Vermont mailing address, we will not share personal information we collect about you with non-affiliates unless the law allows, or you provide authorization. Written authorizations from Vermont consumers may be delivered to us at the email or mailing address below and must contain your name, address, signature and your consent. You may revoke your consent at any time by calling us at 1-888-837-8818, or emailing us at https://support.kraken.com/hc/en-us, or by writing at the addresses below:
Payward Interactive, Inc.
106 E. Lincolnway, 4th Floor
Cheyenne, WY 82001
Virginia
Virtual Currency Disclosure
Payward Interactive, Inc. 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
Washington Division of Consumer Services
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it online with the State of Washington Department of Financial Institutions at https://dfi.wa.gov/consumers/money-services-complaint.
Wisconsin
If you have a complaint, please contact Payward Interactive, Inc. at 1-888-837-8818 and/or https://support.kraken.com/hc/en-us. If you still have an unresolved complaint regarding Payward Interactive, Inc.’s money transmission activity, you may file it by contacting the Wisconsin Department of Financial Institutions online.
WI e-Licensing Portal for filing a complaint: Wisconsin Department of Financial Institutions
Complaint Portal: https://www.wdfi.org/contact_us/ComplaintDefault.htm
Virtual Currency Disclosure
The Wisconsin Seller of Checks law does not regulate virtual currency. Therefore, such transmissions are not covered under the Wisconsin license.