MetaMask Terms of Use

This document constitutes the Terms of Service governing use of MetaMask, a non-custodial cryptocurrency wallet and Web3 interface developed by Consensys Software Inc., establishing a contractual relationship based on user acceptance through continued use of the software. The most significant obligations include users' sole responsibility for safeguarding their Secret Recovery Phrase and private keys, as MetaMask explicitly disclaims any ability to recover lost credentials or funds, and users' agreement that MetaMask's swap, bridge, and buy services charge fees that are incorporated into transaction pricing without separate itemization. Notable provisions include a broad limitation of liability capping Consensys's total liability at $100 USD — an unusually low ceiling for a platform facilitating potentially high-value cryptocurrency transactions — combined with a disclaimer of all implied warranties and an explicit statement that MetaMask does not act as a financial advisor, broker, or fiduciary. The document engages U.S. state money transmission regulations, FinCEN BSA/AML requirements, OFAC sanctions compliance obligations imposed on users, and California consumer protection law (CCPA), with the governing law clause designating New York law and mandatory arbitration administered by AAA for most disputes. Material compliance considerations include the platform's operation across jurisdictions with divergent crypto asset regulatory frameworks (EU MiCA, UK FCA crypto registration requirements) and the potential securities law implications of staking and RWA token trading features offered through the interface.

REGULATORY EXPOSURE: This document engages multiple regulatory frameworks including FinCEN Bank Secrecy Act (31 U.S.C. §5311 et seq.) and OFAC sanctions regulations (31 C.F.R. Chapter V), with the ToS explicitly requiring users to confirm they are not on sanctions lists — a compliance obligation ty…