Gemini User Agreement

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.