> You must be an individual of at least 13 years of age who resides in the United States to enter into this Agreement. So the insurance policy only applies to

> You must be an individual of at least 13 years of age who resides in the United States to enter into this Agreement. So the insurance policy only applies to USA customers, that's why it's not a huge risk for them as they are targetting a global audience. They should allow webmasters to redirect too the send page with a URL like "https://www.circle.com/send?cost=5&to=1PbiuKqC8L4nsgdkaWwvFHKcm5bxYhCpJf" https://www.circle.com/send?cost=5&to=1PbiuKqC8L4nsgdkaWwvFH... so then websites can accept bitcoin easily whilst having a high conversion rate due to the simplicity Circle provides (in comparison to redirecting them to Bitpay which would complicate the process for first time bitcoiners).