Gemini determines which legal agreement applies to you based solely on the address you provided when creating your account — not your actual current state of residence.
This provision means users who have relocated, used a P.O. box, or entered an address for a different state when registering may be subject to a legal agreement that does not match their actual jurisdiction, potentially stripping them of state-specific consumer protections such as NYDFS BitLicense rights or California CCPA opt-out rights.
Cross-platform context
See how other platforms handle Account-Address Jurisdiction Determination and similar clauses.
Compare across platforms →If you have moved to a different state since opening your account, or if you provided an address that does not reflect your true residence, you may be bound by the wrong set of terms — potentially missing consumer protections available in your actual state.
(1) REGULATORY FRAMEWORK: The use of account-profile address as a proxy for legal domicile implicates state money transmission licensing requirements (each state has its own definitions of 'resident' for regulatory purposes), NYDFS 23 NYCRR Part 200 (which requires licensees to identify NY residents specifically), and CCPA §1798.140(g) definition of 'consumer' as a California resident. FTC Act Section 5 applies if the mechanism systematically misclassifies consumers. FinCEN AML/KYC requirements (31 CFR Chapter X) may also be implicated if address verification is inadequate. (2)
Compliance intelligence locked
Regulatory citations, enforcement risk, and due diligence action items.
Watcher: regulatory citations. Professional: full compliance memo.