Company: FLDDW
Filing Date: 2025-04-01
Form Type: S-1
Source: 0001213900-25-026537
Chunk: 152

Company: Fold Holdings, Inc.
Filing Date: 2025-04-01
Form: S-1
Chunk 152
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 do not provide bitcoin related services to customers resident in states where neither of our Bitcoin Service Providers has the required license. Consumer Financial Protection Bureau (CFPB) Regulations The CFPB oversees financial institutions to ensure adherence to federal consumer financial laws. We are required to stay abreast of CFPB’s constantly changing rules and regulations to safeguard consumers and ensure that our marketing communications on social media, blogs, and websites are not considered deceptive, abusive, or unfair.

| ● | Clear and Transparent Communication: |

| ● | All marketing materials must clearly and transparently disclose product terms and conditions. |

| ● | Regularly review and update content to stay compliant. |

| ● | 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). 90 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