Privacy Policy Terms of Service
Privacy Policy
Last updated: Dec 22nd, 2017
This notice describes Chime's Privacy Policy. Our privacy policy is designed to advise you about how we collect, use, and protect the personal information you provide. By visiting this website, you are accepting the practices described in this PrivacyPolicy.
What information do we collect?
Information you provide to us: We may collect any information when you register on our website, or that you give us in any other way. When ordering or registering on our website, as appropriate, you may be asked to enter your name, email address, mailingaddress, phone number or credit card information. You can choose not to provide certain information, but you may not be able to take advantage of our services and features. The information we collect may include the type of computer andbrowser you are using, Uniform Resource Locators ("URLs") used by you to access the Website, your Internet Protocol ("IP") address, your Machine Access Control ("MAC") address, and what web service you are using. We may also collect thedate, time, and length of visit, and the pages you visit. Collecting this information helps us design the site and the services to best suit your needs. This information may be compiled and analyzed on both an individual and an aggregatebasis.
Do we use cookies?
We employ the use of cookies. By using Chime's website you consent to the use of cookies in accordance with Chime's privacy policy. Most of the modern day interactive websites use cookies to enable us to retrieve user details for each visit. Cookies areused in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate/advertising partners may also use cookies.
How and when will the information be used?
The information we collect is used to (i) process transactions. Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever without your consent, other than for the expresspurpose of keeping a record on our database; (ii) The email address you provide for membership registration will only be used to send you information regarding your membership, activities of the Society and, occasionally, information fromSociety' sponsors that is relevant to research areas specified in your profile; (iii) to be shared with the third party. Any information you provide for membership registration on our website (including but not limited to: name, emailaddress, and phone number) might be shared with the third party. The third party includes, but is not limited to Chime's co-marketing lenders.
By providing us with your phone number, you consent to our using your phone number to deliver or cause to be delivered to you at that phone number telemarketing calls (which may use an automatic telephone dialing system) and artificial or prerecordedvoice or text messages. If you do not wish to receive such calls or messages, you may opt out. You further consent to our sharing your phone number to our partners. You consent to our partners using your phone number to deliver or causeto be delivered to you at that phone number telemarketing calls (which may use an automatic telephone dialing system) and artificial or prerecorded voice or text messages. You release us from any possible liability or claim stemming fromhow our partners use your phone number, included but not limited to claims arising from the Telephone Consumer Protection Act. You understand that you are not required to provide this consent and authorization and that it is not a conditionto quality for a loan or to receive any good or service
How do we protect your information?
The privacy and protection of your information is important to us. We do not make any personal information available to third parties without your permission, unless said information is the subject of a valid subpoena or other court order. Your accessto some services and content may be password protected. We advise that you do not disclose your password to anyone.
However, no data transmission over the Internet or any other wireless communication method can be guaranteed to be totally secure. As a result, while we will make all reasonable efforts to protect the privacy of your information during transmission, wemake no guarantees, representations, or warranties with respect to the privacy of such transmitted information. Our obligations with respect to the security of your stored information are governed by the Terms and Conditions. State lawsmay also apply impose obligations to secure stored information.
Which methods do we use to protect your information?
We use security software to protect the confidentiality of your personal information. In addition, our business practices are reviewed periodically for compliance with policies and procedures governing the security and confidentiality of our information.Our business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons.
What about advertisements and linked sites?
This Privacy Policy covers information collected on this website and through our services only. It does not apply to other sites you reach through links on our website. We encourage you to read the privacy policies of those other websites to learn howthey collect and use information about you. If advertisements appear on this website, the advertisers may employ cookies and other tracking technologies in connection with those advertisements. Your accessing any of those advertisementsfrom our webpage may cause your exposure to those tracking technologies. Third party websites that you visit may use the cookies placed by third party vendors for similar purposes. We have no responsibility for any such uses.
What about Children?
We are in compliance with the requirements of COPPA (Children's Online Privacy Protection Act); we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 yearsold or older. If we learn that we have mistakenly collected personal information from a child under age 13, we will delete that information as soon as possible. If you believe that we might have information from or about a child underage 13, please contact us via [email protected].
Consent
By using our website, you consent to our Privacy Policy.
Changes to Privacy Policy
If our Privacy Policy or procedures change, we will immediately post those changes to our website. Any such changes will be effective immediately upon being posted, unless otherwise stated in the change.
Terms and Conditions
Last updated: Dec 22nd, 2017
Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the website. Your access to and use of the Services is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors,users and others who access or use the Services. By accessing or using the Services you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Services.
General
This Website is provided "as is" without a warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose or non-infringement. This Website may include inaccuraciesor typographical errors. Changes and additions are routinely made to the information herein. We may make additions and/or changes to this Website and/or the services described herein at any time.
Accounts
When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Services. Youare responsible for safeguarding the password that you use to access the Services and for any activities or actions under your password, whether your password is with our Services or a third-party service. You agree not to disclose yourpassword to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.
Calls & Emails
If you, as a consumer, choose to contact a real estate agent through the Services by filling out a contact or other request form on the Services, you authorize us to provide your name and contact information and other identifying information you provideto the applicable real estate agent. You acknowledge that, by submitting your contact request or other request form on the Services, you may receive telemarketing calls or emails from or on behalf of the real estate agent at the telephonenumber(s) or email address(es) you provide.
If you, as a consumer, provide a real estate agent with your phone number through the Services, you consent to our and the real estate agent’s using your phone number to deliver or cause to be delivered to you at that phone number telemarketing calls(which may use an automatic telephone dialing system) and artificial or prerecorded voice or text messages. If you do not wish to receive such calls or messages, you may opt out. You further consent to our sharing your phone number toour or the real estate agent’s partners. You consent to our or the real estate agent’s partners using your phone number to deliver or cause to be delivered to you at that phone number telemarketing calls (which may use an automatic telephonedialing system) and artificial or prerecorded voice or text messages. You release us and the real estate agent from any possible liability or claim stemming from how our or the real estate agent’s partners use your phone number, includedbut not limited to claims arising from the Telephone Consumer Protection Act. You understand that you are not required to provide this consent and authorization and that it is not a condition to quality for a loan or to receive any goodor service
Links To Other Websites
Our Services may contain links to third-party websites or services that are not owned or controlled by Chime. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third party websites or services.You further acknowledge and agree that Chime shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or servicesavailable on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.
Limitation of Liabilities
Neither chime nor any of its owners, affiliates, licensors or licensees shall have any liability for any errors, inaccuracies, omissions, or other defects in the information contained within this website. In no event shall chime, its owners, affiliates,licensors or its licensees or providers be liable to you or anyone else for any damages, other than direct damages, arising out of your access to or use of, or inability to use, this website or any information, products or services availablethrough this website, including, without limitation, any special, indirect, consequential, punitive, exemplary or similar damages whatsoever (including, without limitation, damages for lost revenues or profits, or loss of business or data),even if chime or any such other person has been advised of the possibility of such damages.
Without limiting the foregoing, you agree that the entire liability, if any, of Chime, its owners, affiliates, licensors and licensees arising out of any kind of legal claim (whether in contract, tort or under any other legal theory) arising out of youraccess to or use of, or inability to use, this Website or any information, products or services available through this Website will not exceed the amount that you paid to Chime, if any, for (i) the use of this Website or (ii) such information,products or services. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, some of these limitations may not apply to you.
Release & Indemnity
You agree to release, defend and hold harmless Chime, its owners, affiliates, licensors and licensees from and against any and all claims, costs, demands, losses, damages and expenses, including, without limitation, attorney's fees, arising from or relatingto: (i) your breach of this Agreement or any matter for which you are responsible or liable under the terms of this Agreement, or (ii) any dispute between you and any third party, including, without limitation, any other user, any advertiseror any party to any actual, prospective or terminated sale or transaction.
Governing Law
These Terms shall be governed and construed in accordance with the laws of United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Ifany provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Services, and supersedeand replace any prior agreements we might have between us regarding the Services.
Copyright & Trademarks
Copyright in this Website is owned by Chime and this Website may only be used for informational purposes. The content displayed on this Website, including but not limited to the Website's look and feel, layout, text, graphics, images, sound or video materials,designs, the URL and software (collectively "Content"), is either the property of, or used with permission by Chime and is protected by United States and international copyright and trademark laws. All rights, including but not limitedto, copyright, title and interest in the Content belong to Chime and/or its respective owners. The compilation (meaning the collection, arrangement and assembly) of all Content on this Website is also the exclusive property of Chime and/orits respective owners and protected by U.S. and international copyright laws.
The trademarks, service marks, trade names, domain names and logos ("Trademarks") displayed on this Website are either pending, registered or unregistered Trademarks of Chime or their respective owners. You may NOT use any of the Trademarks without expresswritten authorization of Chime or the respective owners.
You are strictly prohibited from reproducing, republishing, copying, transmitting, distributing in any form, or by any means, any Content. You may not modify, adapt, reverse engineer or in any way exploit any of the Content in whole or in part, exceptas expressly stated otherwise in Terms of Use or Visitor Agreement (if posted on this Website) and/or the prior written consent of the owner of the Content. Any unauthorized use of the Content is a violation of copyright laws and trademarklaws, and may also violate laws of privacy and publicity, and/or communications regulations and statutes. Any of the aforementioned violations may subject you to criminal penalties.
Claims of Copyright Infringement
We respect the intellectual property rights of others, and ask that everyone using the Services do the same. Anyone who believes that their work has been reproduced on the Services in a way that constitutes copyright infringement may notify us by providingthe following information:
  1. Identification of the copyrighted work that you claim has been infringed;
  2. Identification of the material that you claim is infringing and needs to be removed, including a description of where it is located on the Services so that the we can locate it;
  3. Your address, telephone number, and, if available, e-mail address, so that the Chime may contact you about your complaint;
  4. A signed statement that the above information is accurate; that you have a good faith belief that the identified use of the material is not authorized by the copyright owner, its agent, or the law; and, under penalty of perjury, that youare the copyright owner or are authorized to act on the copyright owner's behalf in this situation.

Notices of copyright infringement claims should be sent as follows:

By mail: 2828 N. Central Avenue, 7th Floor, Phoenix, AZ 85004, United States

By email: [email protected]

If you give notice of copyright infringement by email, we may begin investigating the alleged copyright infringement; however, we must receive your signed statement by mail or as an attachment to your email before we are required to take any action.
Ownership & License
This Website and all content displayed on this Website and all software, data and information used to provide this Website, including text and images, method of display and presentation, source code, embedded routines and programs and other materials,as well as all copyrights, trademarks, patents and other intellectual property rights therein or thereto, are owned by Chime, its owners, affiliates, licensors or licensees, and are protected under worldwide copyright, trademark and otherapplicable laws and treaties, including, without limitation, applicable intellectual property laws. We grant you the limited and nonexclusive right and license to access or download a single copy of the content from this Website solelyfor your personal and non-commercial use and as necessary in connection with the use of any services available through the Website except as expressly authorized in this Agreement, you may not modify, distribute, reproduce, display, oruse this Website or any elements thereof. All rights not expressly granted to you by us in this Agreement are reserved to Chime and you acknowledge that you do not acquire any ownership rights by accessing or downloading any material,whether or not copyrighted, from the Website as authorized hereunder.
Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determinedat our sole discretion. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

If you have any questions about these Terms, please contact us.

Email: [email protected]

Address: 2828 N. Central Avenue, 7th Floor, Phoenix, AZ 85004, United States