Legal
Terms of Service
Draft dated 2026-08-02, version 0.2.0-draft, in review with counsel. Nothing in it is in effect.
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
- Who we are, and what these Terms cover
- What the Service is
- Eligibility and identity verification
- The card program and our partners
- Collateral: what you own, and what we hold
- Valuation: reference prices, staleness, and discounts
- Spending power and draws
- Repayment
- Liquidation, and the debt a liquidation can leave
- Interest and fees
- Deposits, withdrawals, and the network your assets travel on
- Card transactions, errors, and claims
- Suspension, freezing, and closure
- Inactivity and dormancy
- Death or incapacity of the accountholder
- Prohibited use
- Electronic records and communications
- Privacy, records, and retention
- Changes to the Service, and availability
- Disclaimers
- Limitation of liability
- Indemnity
- Dispute resolution, arbitration, and governing law
- Changes to these Terms, and how acceptance is recorded
- General
- 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.