Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 160

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 160
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 | Regular Audits: |

| ● | Work with our bank partners to conduct regular audits. |

| ● | Identify and rectify any potentially unfair or deceptive practices. |

| ● | Timely and Understandable Documentation: |

| ● | Ensure all documents are easily understood and provided within the required timeframes. |

| ● | Provide consumers with clear information about their debt and rights. |

| ● | Staff Training: |

| ● | Regularly train staff on non-discriminatory practices and policies. |

| ● | Provide easy-to-understand disclosures and maintain open communication lines for any consumer inquiries. |

Fold has aligned its policies
with CFPB regulations to protect consumer rights and maintain compliance with our banking partners. Our team keeps current with CFPB changes
and collaborates closely with the legal team to promptly implement any necessary adjustments. Noncompliance might lead to severe consequences,
including financial penalties, damage to Fold’s reputation, and potential loss of our banking partners.

Privacy Protection Laws

Fold is dedicated to safeguarding
user privacy and adheres to regulations such as the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), and General
Data Protection Regulation (GDPR).

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Intellectual Property

We use various methods to establish
and protect our intellectual property, and rely on intellectual property laws in the United States and other countries, along with contractual
measures to do so. Our key strategies include the following:

| ● | Trademarks: We have registered trademarks related to our name and logo to protect our brand in the United 
 States and other countries.                                                                               |

| ● | Trade Secrets: We implement measures to maintain the confidentiality of our trade secrets, including using 
 confidentiality notices in internal documents.                                                             |

| ● | Contractual Measures: We utilize nondisclosure agreements (NDAs) and other contractual restrictions in an 
 effort to establish legally enforceable restrictions on access to and use of our proprietary information. |

| ● | Risk Management: Limiting access to confidential information is part of our overall risk management strategy 
 to minimize potential intellectual property theft or misuse.                                                 |

Human Capital

As of December 31, 2024, we employed
a total of 28 full-time employees as well as various part-time contractors. We are an Equal Employment Opportunity and Affirmative Action
employer. All aspects of employment including the decision to hire, promote, discipline, or discharge, are based on merit, competence,
performance