Gemini determines which user agreement applies to you based on the state address saved in your Gemini account, not necessarily your actual current state of residence.
This analysis describes what Gemini's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
If your account address is outdated or incorrect, you may be governed by the wrong agreement, potentially losing protections or being subject to terms intended for a different jurisdiction.
Interpretive note: Whether regulators would treat the account profile address as legally sufficient to establish jurisdictional applicability, as opposed to actual domicile, may vary by state and regulatory framework.
Your registered account address, not your actual location, determines your legal rights under Gemini's platform terms. A user who has moved states without updating their Gemini profile may be bound by the wrong agreement without knowing it.
How other platforms handle this
Supplemental Provisions. People's Republic of China. These terms apply to a User's interaction with UGC created by Users and Developers located in China that use Luobu Studio and to a Creator's submission of UGC to the Luobulesi Game for distribution in the People's Republic of China. Japan. These t...
This Agreement will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Each party irrevocably submits to the exclusive jurisdiction of the courts of Ontario, Canada for t...
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. Any disputes not subject to arbitration shall be brought exclusively in the state or federal courts located in San Francisco County, California.
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"For purposes of this landing page, "state of residence" means the state reflected in the address on your Gemini account profile.— Excerpt from Gemini's Gemini User Agreement
(1) REGULATORY LANDSCAPE: Defining jurisdictional applicability by account profile address rather than actual residence engages state consumer protection statutes and money transmission laws, which typically apply based on where a customer is actually located or domiciled. This definition may create tension with state regulatory requirements if the account address does not reflect the user's true state of residence. The FTC Act's prohibition on deceptive practices may be implicated if users are misled about which agreement governs their account. (2) GOVERNANCE EXPOSURE: Medium. The reliance on a self-reported, potentially stale account address as the sole determinant of agreement applicability creates a gap between the intended regulatory framework and actual user circumstances. This is a non-standard approach relative to typical financial services onboarding, which generally requires identity and address verification through KYC processes. (3) JURISDICTION FLAGS: New York creates the most significant exposure because the NYDFS BitLicense framework's protections are intended to apply to users actually located in New York, and routing a New York resident to the general agreement due to an outdated address could constitute a compliance failure. Similar risks exist in other regulated states. (4) CONTRACT AND VENDOR IMPLICATIONS: Institutional clients should confirm that their registered address accurately reflects their operational jurisdiction to ensure the correct agreement and regulatory protections apply. B2B procurement teams should flag this definition as a potential enforceability risk if the registered address does not align with the client's actual domicile. (5) COMPLIANCE CONSIDERATIONS: Compliance teams should audit the address verification and update processes to ensure users are prompted to update their profile address upon relocation, and that agreement version assignment is recalculated accordingly. KYC re-verification triggers tied to address changes would reduce the risk of misrouted agreement applicability.
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If your account address is outdated or incorrect, you may be governed by the wrong agreement, potentially losing protections or being subject to terms intended for a different jurisdiction.
Your registered account address, not your actual location, determines your legal rights under Gemini's platform terms. A user who has moved states without updating their Gemini profile may be bound by the wrong agreement without knowing it.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Gemini.