MetaMask's Terms of Service govern your use of the MetaMask browser extension and mobile app — a self-custody crypto wallet that lets you buy, swap, stake, and bridge cryptocurrency without MetaMask holding your funds. The single most important thing to know is that if you lose your Secret Recovery Phrase, MetaMask cannot recover your funds under any circumstances, and if something goes wrong with a transaction, your total compensation from Consensys is capped at $100 regardless of how much crypto you lose. You should write down and securely store your Secret Recovery Phrase offline immediately, and be aware that by using MetaMask you agree to resolve disputes through binding arbitration rather than in court.
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.
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This provision appears renamed/reconsolidated in current version (previously titled 'Secret Recovery Phrase — No Recovery Guarantee') but excerpt is missing, making assessment of content changes impossible.
This is a new provision addressing fee transparency for MetaMask's integrated swap and bridge services, indicating expansion into DeFi features with potential cost opacity concerns.
This provision shifts focus from MetaMask's compliance procedures to explicit user responsibility for OFAC compliance, potentially strengthening the company's liability protection regarding sanctions violations.
This new high-severity provision explicitly disclaims financial advice and fiduciary duties, protecting MetaMask from liability for users' investment decisions made using the platform.
This new provision grants MetaMask unilateral authority to suspend accounts or terminate service, likely addressing enforcement mechanisms for compliance violations and risk management.
This provision was consolidated or renamed to 'No Recovery of Lost Secret Recovery Phrase or Funds' in the current version, potentially broadening liability disclaimers beyond just recovery phrase loss.
Removal of explicit 'as-is' warranty disclaimer language suggests either consolidation into other provisions or potential weakening of baseline warranty disclaimers in the updated terms.
This provision was likely replaced or significantly restructured into 'User Bears Personal OFAC Sanctions Compliance Responsibility,' shifting from service-wide prohibitions to user-focused compliance obligations.
Removal of explicit third-party disclaimer language is significant given MetaMask's expansion into integrated swap and bridge services, potentially affecting liability clarity for third-party DeFi protocol risks.
Jurisdiction changed from Delaware to New York, potentially altering substantive law protections and litigation venue implications for both MetaMask and users.
Excerpt text was removed from the current version entry, making the specific liability cap language unavailable for comparison.
Excerpt text was removed from the current version entry, preventing detailed comparison of arbitration clause modifications.
Excerpt text was removed from the current version entry, preventing comparison of whether modification procedures were altered.
Excerpt text was removed from the current version entry; provision renamed from 'User-Generated Content and Intellectual Property License' to emphasize its breadth.
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