Gemini applies its general user agreement to residents of Puerto Rico (PR) and Washington DC (DC), treating them the same as residents of the listed US states for purposes of platform terms.
Puerto Rico residents are subject to the general agreement rather than any territory-specific terms, which may mean they lack access to consumer protections specific to Puerto Rico's financial regulatory framework; DC residents should verify that the general agreement's governing law and arbitration provisions are consistent with DC consumer protection law.
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Compare across platforms →Puerto Rico has distinct financial regulatory oversight from US states, and DC has its own consumer protection laws — routing these users to a generalized state agreement may not fully account for their specific regulatory protections.
(1) REGULATORY FRAMEWORK: Puerto Rico's financial services regulation is governed by the Office of the Commissioner of Financial Institutions (OCIF) and Puerto Rico Act No. 273 (International Financial Center Regulatory Act); DC residents are covered by the DC Consumer Protection Procedures Act (DC Code §28-3901 et seq.). Neither jurisdiction's specific framework appears to be separately addressed by the general agreement routing. Federal consumer protection law (FTC Act Section 5) applies to both. (2)
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