Company: FLDDW
Filing Date: 2025-04-11
Form Type: 424B3
Source: 0001213900-25-031004
Chunk: 69

Company: Fold Holdings, Inc.
Filing Date: 2025-04-11
Form: 424B3
Chunk 69
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 Systems or Confidential Information
can result in legal claims or proceedings (such as class actions), regulatory investigations and enforcement actions, fines and penalties,
negative reputational impacts that cause us to lose existing or future customers, and/or significant incident response, system restoration
or remediation and future compliance costs. Any or all of the foregoing could materially adversely affect our business, results of operations,
and financial condition. Finally, we cannot guarantee that any costs and liabilities incurred in relation to an attack or incident will
be covered by our existing insurance policies or that applicable insurance will be available to us in the future on economically reasonable
terms or at all.

We are subject to laws,
regulations, and industry requirements related to data privacy, data protection and information security, and user protection across different
markets where we conduct our business. Any actual or perceived failure to comply with such laws, regulations, and industry requirements,
or our privacy policies, could adversely affect our business, results of operations, or financial condition.

In connection with running our
business, we receive, store, use and otherwise process information that relates to individuals and/or constitutes “personal data,”
“personal information,” “personally identifiable information,” or similar terms under applicable data privacy
laws, including information that is considered “sensitive” under such laws (collectively, “Personal Information”),
from and about actual and prospective users, as well as our employees, business contacts, and other individuals. We also depend on a number
of third party vendors and partners (including digital wallet providers, cryptocurrency payment processors, financial institutions, retail
partners, and security and compliance providers) in relation to the operation of our business, a number of which process Personal Information
on our behalf.

We and our vendors are subject
to a variety of federal and state data privacy laws, rules, regulations, industry standards and other requirements, including those that
apply generally to the handling of Personal Information, and those that are specific to certain industries, sectors, contexts, or locations.
These requirements and their application and interpretation are constantly evolving. It is also possible that new laws, regulations and
other requirements, or amendments to or changes in interpretations of existing laws, regulations and other requirements (especially related
to the regulation of cryptocurrency and related assets), may require us to incur significant costs, implement new processes, or change
our handling of information and business operations, which could ultimately hinder our ability to grow our business by extracting value
from our data assets.

For example, in the United States,
the FTC and