Terms of Services

These Terms of Service ("Terms") govern your access to and use of the website located at chimeinsurancegroup.com and any related services provided by Chime Insurance Group ("Chime Insurance Group," "we," "us," or "our").

By accessing or using our website or services, you agree to be bound by these Terms. If you do not agree, do not use our website or services.

1. Company Information

Chime Insurance Group Address: 10205 W Lincoln Hwy, Frankfort, IL

Phone: (708) 740-2629

Email: [email protected]

Website: https://chimeinsurancegroup.com

2. Insurance Services and No Guarantee of Coverage

Any descriptions of coverage, products, or services on our website are for informational purposes only and do not constitute a contract, a guarantee of coverage, a quote, or an offer to insure.
Actual coverage is subject to the terms, conditions, exclusions, and limitations of the insurance policy issued by the applicable carrier.
Eligibility for coverage and premium amounts are determined by the insurer, not by Chime Insurance Group.
For complete details, you must review your policy documents and consult directly with us or your insurance carrier.

3. Not Professional or Legal Advice

Information provided on our website, in emails, calls, or other communications is intended to be general and educational in nature.

It is not legal, tax, financial, or medical advice.
You should consult with an attorney, accountant, financial advisor, or other qualified professional for advice specific to your situation.

4. Eligibility and Use of the Website

To use our website and request quotes or information:

You must be at least 18 years old and able to form a legally binding contract.
You agree to provide accurate, current, and complete information and to update it as needed.
You agree to use the website only for lawful purposes and in accordance with these Terms.

You may not:

Use the site in any way that violates applicable law or regulation.
Attempt to gain unauthorized access to the website, servers, or related systems.
Use any automated means (robots, scrapers, etc.) to access the website without our prior written permission.

5. Quotes, Applications, and Purchases

5.1 Quotes and Estimates

Any quotes or rate indications provided by or through Chime Insurance Group:

Are based on the information you provide and third‑party data sources, where applicable.
Are not binding offers and may change based on underwriting review, additional information, or changes in your situation.

5.2 Applications

When you submit an application or request for insurance:

You represent that all information is truthful, complete, and accurate.
Misstatements or omissions may result in a denial of coverage, cancellation of a policy, or claims denial by the insurer.

5.3 Policy Issuance and Administration

When you submit an application or request for insurance:

All insurance policies are issued by third‑party insurance carriers, not by Chime Insurance Group.
The terms of your coverage are governed by your policy contract with the insurer.
Questions about billing, claims, or policy changes may be handled by us or the insurer, depending on the product and carrier.

6. Intellectual Property

All content on the website, including text, graphics, logos, icons, images, videos, software, and design (collectively, the “Content”), is owned by or licensed to Chime Insurance Group and is protected by copyright, trademark, and other intellectual property laws.

You may:

View and print Content for your personal, non‑commercial use related to evaluating or obtaining our services.

You may not:

Copy, reproduce, modify, distribute, display, publish, or create derivative works based on the Content without our prior written consent.
Use any trademarks, service marks, or trade dress of Chime Insurance Group without authorization.

7. Third‑Party Links and Services

Our website may contain links to third‑party websites, tools, or services, including insurers and other partners.

These links are provided for convenience only.
We do not control or endorse any third‑party content, products, or services.
Your use of third‑party sites or services is at your own risk and subject to their own terms and privacy policies.

8. Disclaimer of Warranties

To the fullest extent permitted by law:

The website and all Content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied.
We do not warrant that:
The website will be uninterrupted, secure, or error‑free.
Any information obtained through the website is accurate, complete, or current (although we strive for accuracy).

You are responsible for verifying all information and reviewing your policy documents for complete details about coverage.

9. Limitation of Liability

To the fullest extent permitted by law:

Chime Insurance Group, its owners, officers, employees, agents, and affiliates will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of the website or services.
Our total liability for any claim arising out of or related to these Terms, the website, or the services shall not exceed the amount you paid to us for the specific service giving rise to the claim, if any.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in such cases, our liability shall be limited to the maximum extent permitted by law.

10. Indemnification

Your use of the website or services;
Your violation of these Terms;
Your violation of any applicable law or the rights of any third party.

11. Changes to the Website and Services

We may modify, suspend, or discontinue any part of the website or services at any time, with or without notice, and we will not be liable to you or any third party for doing so.

12. Changes to These Terms

We may update these Terms from time to time. When we do:

We will revise the "Last Updated" date at the top of this page.
Your continued use of the website or services after posting of the updated Terms constitutes your acceptance of the changes.