Legal

Transparency is a recurring Checkout.com value that is reflected in our pricing promise, our security protocol and our legal agreements.

MONEY TRANSMITTER LICENSES

Money transmission services are provided by eMoola Inc. For any disputes or complaints, please contact eMoola customer support at USComplaints@checkout.com. Should your complaint regarding eMoola’s money transmission services remain unresolved, please contact the relevant state, as described below.

Jurisdiction Regulatory Agency License Info

Alabama

Alabama Securities Commission

License # SOC- MT# 786 Issued 04/03/2019

Alaska*

Alaska Department of Commerce, Community, and Economic Development

License # AK-MT- 11743 Issued 09/23/2019

Arizona

Arizona Department of Finance

License # MT-1000687 Issued 04/18/2019

California*

California Department of Business Oversight

eMoola Currently Conducts No Money Transmission Activity In California

Connecticut

Connecticut Department of Banking

License # MT-1791692 Issued 4/6/2021

Delaware

District of Columbia Department of Consumer and Regulatory Affairs

License # MTR1791692 Issued 06/05/2019

Arkansas

Arkansas Securities Department

License # 116263 Issued 02/15/2019

Delaware

Delaware State Bank Commissioner

License # 027625 Issued 07/23/2019

District of Columbia*

District of Columbia Department of Consumer and Regulatory Affairs

License # MTR1791692 Issued 06/05/2019

Florida

Office of Financial Regulation

License FT230000399

Idaho

Idaho Department of Finance

License # MTL-255 Issued 02/06/2020

Illinois*

Illinois Department of Financial and Professional Regulation

License # MT.0000358 Issued 08/19/2019

Iowa

Iowa Division of Banking

License # 2018-0169 Issued 03/20/2019

Kansas

Kansas Office of the State Bank Commissioner

License # MT.0000158 Issued 05/22/2019

Kentucky

Kentucky Department of Financial Institutions

License # SC738969 Issued 3/4/2021

Maine

Maine Bureau of Consumer Credit Protection

License # 1791692 Issued 12/06/2019

Maryland*

Maryland Department of Labor

License # 12-1791692 Issued 05/30/2019

Massachusetts

Massachusetts Division of Banks

License # FT1791692 Issued 09/10/2020

Mississippi

Mississippi Department of Banking and Consumer Finance

License # 1791692 Issued 05/03/2019

Missouri

Missouri Division of Finance

License # MO-19-8484 Issued 01/01/2019

Montana

Montana Division of Banking & Financial Institutions

Activity Exempted

Nebraska

Nebraska Department of Banking & Finance

License # 1791692 Issued 08/01/2019

New Jersey

New Jersey Department of Banking and Insurance

License # 1903911-C22 Issued 04/18/2019

New Mexico

New Mexico Regulation and Licensing Department Financial Institutions Division

License # 1791692 Issued 02/14/2019

New Hampshire

New Hampshire Banking Department

LIcense # 23845-MT Issued 4/5/2021

North Carolina

North Carolina Commisioner of Banks

License # 185459 Issued 05/05/2020

North Dakota

North Dakota Department of Financial Insitutions

License # MT103464 Issued 07/03/2019

Ohio

Ohio Department of Commerce

License # OHMT182 Issued 01/22/2020

Oklahoma

Oklahoma Banking Department

License # 1791692 Issued 03/01/2019

Oregon

Oregon Division of Finance & Corporate Securities

License # MTX-30236 Issued 06/17/2019

Puerto Rico

Commissioner of Financial Institutions of Puerto Rico

License # TM-099 Issued 07/10/2020

Rhode Island

Rhode Island Department of Business Regulation

License # 20214201CT Issued 5/20/2021

South Carolina

South Carolina State Board of Financial Institutions: Consumer Finance Division

NMLS ID 1791692 Issued 02/26/2020

South Dakota

South Dakota Division of Banking

License # MT.2174 Issued 06/04/2019

Tennessee

Tennessee Department of Financial Institutions

License # 1791692 Issued 01/01/2020

Utah

Utah Department of Financial Institutions

License # 168 Issued 05/07/2019

US Virgin Island

US Virgin Island Banking, Insurance & Financial Regulation

License #MT-41 Issued on 4/8/2020

Vermont

Vermont Department of Financial Regulation

License # 100-201 Issued 2/10/2021

Washington*

Washington Department of Financial Institutions

License # 550-MT-117096 Issued 05/31/2019

Wyoming

Wyoming Department of Banking

License # 7272 Issued 03/20/2020

Wisconsin

Wisconsin Department of Financial Institutions

Activity Exempted

West Virginia

West Virginia Division of Financial Institutions

License # WVMT-1791692 Issued 4/14/2021

2 STATE SPECIFIC DISCLAIMERS

2.1 Alaska

(Last updated by the state in 2022)

For Alaska Residents Only:

If your issue is unresolved by eMoola Inc., 866-212-0771 or USComplaints@checkout.com, 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 dbs.licensing@alaska.gov or call Nine Zero Seven Four Six Five Two Five Two One

2.2 Arizona

(Last OK updated by the state in 2021)

If you have a complaint, please contact eMoola Inc., 866-212-0771 or USComplaints@checkout.com. If you still have an unresolved complaint regarding eMoola Inc. 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

2.3 Arkansas

(Last updated by the state in 2020)

If you have a complaint, please contact eMoola Inc., 866-212-0771 or USComplaints@checkout.com. If you still have an unresolved complaint regarding eMoola Inc. money transmission activity, you may file the completed complaint form by e-mailing to ASDInfo@securities.arkansas.gov 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 Security Department.

Important Notice from AR Securities Department about Consumer Complaint

http://www.securities.arkansas.gov/!userfiles/Complaint%20Important%20Notice%20May%202020(2).pdf

[… Initial complaints should be made in writing directly to the entity or individual with whom you have experienced the problem. It is a good idea to indicate on your complaint letter that you are sending a copy to the Arkansas Securities Department. If your problem is not resolved timely by the entity or individual, you are encouraged to complete a Complaint Form and send it to the Department…]

2.4 California

(Last updated by the state in December 2021)

Department of Financial Protection and Innovation

If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may file a complaint online at https://docqnet.dfpi.ca.gov/complaint/

To submit a complaint by mail, download, print, and fill out any the appropriate forms at https://dfpi.ca.gov/file-a-complaint/ and mail to:

Department of Financial Protection and Innovation

Attn: Consumer Services

2101 Arena Boulevard

Sacramento, CA 95834

The Department of Financial Protection and Innovation will contact you shortly after receipt of this form.

If you have questions or need assistance filling out this form, please call the Department of Financial Protection and Innovation’s Consumer Services Office toll-free at 1-866-275-2677

CA e-Licensing Portal for filing a complaint

CADFPI Consumer Complaint Portal: https://dfpi.ca.gov/file-a-complaint/

2.5 District of Columbia

(Last updated by the state in 2020)

If you have a complaint, please contact eMoola Inc., 866-212-0771 or USComplaints@checkout.com. If you still have an unresolved complaint regarding eMoola Inc. money transmission activity, you may file it by contacting the Department at: District of Columbia Department of Insurance, Securities a

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: disbcomplaints@dc.gov

Consumer Complaint Form Mail-in Version

2.6 Florida

Florida Office of Financial Regulation

For complaints, directly to the Florida Office of Financial Regulation, please send correspondence to:

Florida Office of Financial Regulation

200 E. Gaines Street

Tallahassee, FL 32399-0376

Toll-Free Number: 1-800-848-3792

2.7 Kansas

(Last updated by the state in 2021)

If you have a complaint, please contact eMoola Inc., 866-212-0771 or USComplaints@checkout.com. If you still have an unresolved complaint regarding eMoola Inc. 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/wp-content/uploads/complaintform.pdf

Spanish: https://www.osbckansas.org/wp-content/uploads/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:complaints@osbckansas.org

If submitting electronically, submit your complaint here: https://www.osbckansas.org/consumers/file-acomplaint/.

KS e-Licensing Portal for filing a complaint

KS State Bank Commissioner of Kansas Complaint Portal: https://www.osbckansas.org/consumers/file-acomplaint/

2.8 Illinois

(Last updated by the state in 2021)

Illinois Division of Banking

If you have a complaint, please contact eMoola Inc., 866-212-0771 or USComplaints@checkout.com. If you still have an unresolved complaint regarding eMoola Inc. money transmission activity, you may file it by contacting the Illinois Division of Banking at:

Illinois Department of Financial and Professional Regulation

Online: https://www.idfpr.com/DFI/DFIComplaintForm.asp

Division of Financial Institutions Fill In and Print Complaint Form for Currency Exchange and Title Insurance https://www.idfpr.com/admin/DFI/F1717DFICHI.pdf

IL e-Licensing Portal for filing a complaint

IL Department of Financial and Professional Regulation Complaint Portal:

https://www.idfpr.com/admin/DFI/DFIcomplaint.asp

2.9 Maryland

(Last updated by the state in 2021)

If you have a complaint, please contact eMoola Inc., 866-212-0771 or USComplaints@checkout.com. If you still have an unresolved complaint regarding eMoola Inc. money transmission activity, you may file it 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 eMoola Inc. & License No.: 1791692 and NMLS ID No.: 1791692) by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore,

Maryland 21202, or (888) 784-0136. Additional information about Coinbase, Inc. may be obtained at www.nmlsconsumeraccess.org.

MD e-Licensing Portal for filing a complaint

MD Department of Labor Complaint Portal:

https://www.dllr.state.md.us/finance/consumers/comphow.shtml.

2.10 Massachusetts

If you have experienced any problems or difficulties with your transaction(s), please contact eMoola, 866-212-0771 or USComplaints@checkout.com. If they are unable to assist you, or you would like to file a consumer complaint against the licensee, please contact the Massachusetts Division of Banks Consumer Assistance Unit at 617-956 1500 ext. 501, or visit the Division of Banks website at https://www.mass.gov/how-to/file- a-complaint-with-the-division-of-banks

209 CMR 45.00: Licensing and regulation of money services businesses - 45.15: License disclosure

MA e-Licensing Portal for filing a complaint (45.08:)

MA Government Website: https://www.mass.gov/regulations/209-CMR-4500-licensing-and-regulation-ofmoney-services-businesses

2.11 Mississippi

The Mississippi Department of Banking & Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting eMoola Inc., 866-212-0771 or USComplaints@checkout.com to allow the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding eMoola Inc. money transmission activity, you may file you complain 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/

2.12 Tennessee

eMoola Inc. is licensed by the Tennessee Department of Financial Institutions as a money transmitter.

2.13 Washington

(Last updated by the state in 2021)

Washington Division of Consumer Services

If you have a complaint, please contact eMoola Inc., 866-212-0771 or USComplaints@checkout.com. If you still have an unresolved complaint regarding eMoola Inc. money transmission activity, you may file it by contacting the Washington Department of Financial Institutions at:

If filing online:

File a complaint by filling out our online complaint form.

If filing via mail:

Fill out this form and mail to the following:

DEPARTMENT OF FINANCIAL INSTITUTIONS

DIVISION OF CONSUMER SERVICES

P.O. Box 41200, Olympia, Washington 98504-1200

If filing via fax:

Fill out this form and fax to the following:

FAX (360) 596-3868

To contact the Washington Department of Financial Institutions:

Phone: (360) 902-8703

Toll-free: 1-877-RING DFI (1-877-746-4334)

Email: CSEnforceComplaints@dfi.wa.gov

WA e-Licensing Portal for filing a complaint:

Washington Department of Financial Institutions Complaint Portal: https://dfi.wa.gov/consumers/moneyservices-complaint

3 Additional Consumer Privacy Notice

EMOOLA INC may transfer personal information to other countries, for example, for customer service or to process transactions.

3.1 California Residents

California Consumer Privacy Act (CCPA) https://oag.ca.gov/privacy/ccpa - Effective January 1, 2020, the California Consumer Act of 2018 gives consumers more control over the personal information that businesses collect about them.

These provisions do not apply to personal data collected, processed, shared, or disclosed by financial institutions pursuant to federal law such as the Gramm-Leach-Bliley Act. Contact eMoola Inc., 866-212-0771 if you have questions about our privacy statement, this consumer notice, or your personal data.

If your account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law.

3.2 North Dakota Residents

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 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 866-212-0771, or by writing or emailing us at the addresses below

eMoola Inc.

1700 Lincoln St. 17th Floor Denver

CO 80203

866-212-0771

USComplaints@checkout.com

3.3 Vermont Residents

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 866-212-0771, or by writing or emailing us at the addresses below

eMoola Inc.

1700 Lincoln St. 17th Floor Denver

CO 80203

866-212-0771

USComplaints@checkout.com

4 NMLS Consumer Access

NMLS Consumer Access, a free service for consumers to confirm that the financial-services company with whom they wish to conduct business with is an Authorized Licensed Money Transmitter in your state.