This means consumers in states with strong privacy laws (like California) may have fewer rights over their data than they would with non-financial companies, because federal financial privacy rules take precedence.
Consumer impact
Gemini collects extensive personal data including biometric identifiers, financial information, and behavioral data, and shares it with a wide network of service providers, affiliates, financial institutions, and government authorities. The policy grants Gemini broad discretion to change its practices at any time, which may affect how your data is handled without advance notice. You can opt out of direct marketing by emailing privacy@gemini.com or adjusting your notification settings in the app.
Applicable agencies
Federal Trade Commission (ftc)
Oversees unfair or deceptive business practices and can investigate companies that mislead consumers about data collection, sharing, or use.
Who can file: Anyone affected by the company's practices (US or international)
What you need: Your account details, a timeline of relevant events, and a description of the specific issue
What to expect: Complaints inform FTC enforcement priorities and investigations but do not result in individual resolution or compensation
State AGs in California, New York, Texas, and other states can investigate violations of state consumer protection and privacy laws, including CCPA (California), SHIELD Act (New York), and equivalents.
Who can file: Residents of states with comprehensive privacy laws — primarily California, Virginia, Colorado, Connecticut, and Utah
What you need: Evidence of the violation, explanation of how your state rights were affected, and your account or contact information with the company
What to expect: Outcomes vary by state. May result in investigation, enforcement action, or requirement for the company to change practices. No direct individual compensation in most cases.
Search "[your state] attorney general consumer complaint" to find your state's direct complaint form