Company: FLDDW
Filing Date: 2025-03-28
Form Type: 10-K
Source: 0001013762-25-004107
Chunk: 18

Company: Fold Holdings, Inc.
Filing Date: 2025-03-28
Form: 10-K
Item: Item 1
Chunk 18
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 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.

13

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).

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, and business
needs. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental
disability, medical condition, pregnancy, genetic information, gender, sexual orientation, gender identity or expression, veteran status,
or any other status protected under federal, state, or local law.

Many of our employees are highly