Gemini User Agreement

This document is the terms selection page for Gemini, a cryptocurrency exchange, which directs users to different versions of the user agreement based on the state address registered on their account. The agreement versions differ for residents of New York, Texas, Louisiana, Idaho, and Ohio compared to residents of other states. Users must identify their registered state to determine which linked agreement governs their account.

This landing page governs user access to the Gemini cryptocurrency exchange platform and functions as a jurisdictional routing document, directing users to separate, state-specific user agreements based on the address registered in their Gemini account profile. The document asserts that users in ID, LA, NY, OH, and TX are subject to one distinct set of terms, while users in all other listed US states, DC, and PR are subject to a separate agreement. This routing structure is operationally distinct from common industry practice, where a single unified agreement governs all domestic users; the bifurcation likely reflects Gemini's compliance with state-specific money transmission licensing requirements, particularly New York's BitLicense framework. The document engages with state-level financial services regulation, including the New York Department of Financial Services regulatory framework and other state money transmission statutes; compliance exposure varies materially by state of residence. Because the actual substantive terms, including provisions on arbitration, fees, data practices, and liability, are contained in the linked state-specific agreements rather than this landing page, a full compliance assessment requires review of those underlying documents.

Users are bound by the user agreement version corresponding to the state address in their Gemini account profile. Residents of New York, Texas, Louisiana, Idaho, and Ohio are subject to a distinct agreement version from users in other states, which means the specific terms governing arbitration, fees, dispute resolution, and data handling provisions vary by state registration. The operative terms are contained in the linked state-specific agreements rather than on this page.