MetaMask cannot recover your wallet password or Secret Recovery Phrase under any circumstances — if you lose it, your crypto is gone forever.
This analysis describes what MetaMask'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
The provision operationalizes the non-custodial architecture of the MetaMask wallet by clarifying the allocation of custodial responsibility and defining the limits of MetaMask's recovery obligations. This establishes that asset recovery depends entirely on user-maintained credential security rather than institutional backup or recovery mechanisms.
The updated terms explicitly state that UK, EU, and EEA consumers retain statutory consumer protection rights that cannot be limited or excluded by the agreement, and that applicable local law prevails in the event of conflict with these terms. This adds clarity to the legal framework but does not change substantive protections for those users. The terms also clarify that mUSD is a third-party digital asset not issued by Consensys, treating it as a third-party service subject to the agreement's limitations on Consensys' responsibility for third-party services.
View change record →If you lose your Secret Recovery Phrase, you permanently lose access to all cryptocurrency held in your MetaMask wallet with no recourse — MetaMask has no obligation and no technical ability to help you recover your funds.
Cross-platform context
See how other platforms handle Secret Recovery Phrase — No Recovery Guarantee and similar clauses.
Compare across platforms →"You are solely responsible for the security of your Secret Recovery Phrase and private keys. MetaMask does not have access to your Secret Recovery Phrase or private keys, and cannot help you recover them if they are lost. If you lose your Secret Recovery Phrase, you will permanently lose access to the digital assets held in your MetaMask wallet.Excerpt from MetaMask's Terms of Use
REGULATORY FRAMEWORK: This provision implicates consumer protection standards under FTC Act Section 5 (unfair or deceptive acts or practices) and state UDAP statutes, as the adequacy of disclosure of permanent loss risk may be assessed …
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The provision operationalizes the non-custodial architecture of the MetaMask wallet by clarifying the allocation of custodial responsibility and defining the limits of MetaMask's recovery obligations. This establishes that asset recovery depends entirely on user-maintained credential security rather than institutional backup or recovery mechanisms.
If you lose your Secret Recovery Phrase, you permanently lose access to all cryptocurrency held in your MetaMask wallet with no recourse — MetaMask has no obligation and no technical ability to help you recover your funds.
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