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Home
Products
CardSpend against what you hold, without sellingPersonalAn account for your own holdingsBusinessAn account for a company's holdingsSolutionsThree kinds of holder, one card
Learn
How it worksSpending power, draws and repaymentStocksA share as a token, when it countsStablecoinsHow cash is heldSecurityControls, custody and what can go wrongHow we operateThe arithmetic, the custody, the disclosure
Answers
Spend stocks without sellingHow a position pays without a saleA card backed by stocksStocks as tokens behind a cardStocks as collateralWhat a locked token counts forA card backed by cryptoEther and bitcoin as collateralA securities-backed line versus a cardHow the two differ, plainlyWhen prices fallWatch, then a decline, then a saleWhat is a haircutThe share held back as a cushionGlossaryEvery term the site uses, defined
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Legal

Privacy Policy

Draft dated 2026-08-02, version 0.2.0-draft, in review with counsel. Nothing in it is in effect.

The Privacy Policy in effect is published at /privacy. This page holds a longer draft for the account and card program, still with counsel.

This document is with counsel. An earlier version of this page carried the drafting notes still open inside it, including who operates the Service and which law governs it. Rather than publish a document with those questions unanswered, we are holding it back until they are answered.

Nothing on this page is an agreement, and nothing here creates rights or obligations.

What this document will cover

  1. Who is responsible for your information
  2. What we collect
  3. Identity verification, and who actually performs it
  4. Why we use it
  5. Who we share it with, and what leaves our systems
  6. Blockchain data is public and permanent
  7. How long we keep it, and the conflict with your deletion right
  8. Your rights
  9. Automated decisions
  10. Security
  11. Children
  12. Changes to this policy
  13. Contact

What is true today

  • Gether is not a bank.
  • Balances held with the Service are not bank deposits and are not FDIC insured.
  • Gether is in a waitlist phase and is not open as a financial service.

Text messages

The terms and the privacy notice for text messages from Gether are complete and in effect: SMS Terms and SMS Privacy Notice. Sign up for text messages at /sms.

Questions about this document

Email support@trygether.com. More ways to reach us are on /support.

All documents
  • Terms of Service
  • Privacy Policy
  • Consent to Electronic Records and Signatures (E-Sign)
  • Account and Cardholder Agreement

Important disclosures

  1. Spending against a portfolio carries real risk. Stocks and digital assets are volatile, and the spending power your positions support falls with them.
  2. Drawn balances have to be repaid.
  3. A charge is declined when your collateral falls below the required level. A position that stays below it can be sold to settle what you owe, which may realise a gain or a loss and may have tax consequences.
  4. Gether is in a waitlist phase, Gether is not a bank, and the Terms of Service, E-Sign Consent and Account Agreement linked below are drafts pending counsel review. The Privacy Policy is in effect.
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Spend against the stocks, crypto and cash you already hold. Without selling.

Product
  • Card
  • How it works
  • Security and risk
  • Pricing
  • Learn
Company
  • Contact
  • Text messages
Legal
  • Terms of Service
  • Privacy Policy
  • E-Sign Consent
  • Account Agreement
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