Terms of Service

THESE TERMS OF SERVICE CONTAIN A MANDATORY ARBITRATION OF DISPUTES PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES IN CERTAIN CIRCUMSTANCES, RATHER THAN JURY TRIALS OR CLASS ACTION LAWSUITS.

Welcome to CHIME Health AI Terms of Service

Our Terms of Service (what we call the “Terms”) make up the agreement between CHIME Health AI Inc. (“CHIME Health AI”) and you. These Terms govern your use and access to CHIME Health AI’s products, software, services, and website (including but not limited to text, graphics, images, and other material and information) as accessed from time to time by you, regardless if the use is in connection with an account or not (collectively, the “Services”).

Please read the Terms carefully, and any policies, guidelines or rules applicable to such Services, as they constitute a legal agreement between CHIME Health AI and you. We also encourage you to review our Privacy Statement for additional information. Of course, if you do not agree with our Terms or any other policies, then do not use the Services. You can delete your account from your Account Settings at any time.

These Terms apply to you if you live in the United States or if you access our Services in the United States. If you live outside the United States, these Terms also apply.

Who Can Use the Services

We believe everyone should be able to access, understand, and benefit from their musical behavior. That said, there are a few restrictions about who can use our Services. By using the Services or creating an account, you represent, warrant and agree that:

• You can form a binding contract with CHIME Health AI;
• You are not a person barred from receiving the Services under the laws of the jurisdiction from which you use the Services;
• You are at least 16 years old;
• You will not use the Services for any investigative forensic uses.

Other Terms and Conditions

If you choose to use or purchase additional Services for a business or commercial purpose, or any purpose other than personal use, they may have their own terms and conditions. The specific terms and conditions associated with the use or purchase of additional Services are made a part of these Terms by this reference. Just like you agree to these Terms, you agree to abide by those additional terms and conditions too. If there is a conflict between these Terms and the additional terms for a specific portion of the Services, the additional terms will govern your use or purchase of the additional Services. CHIME Health AI’s obligations, if any, with regard to Services are governed solely by the agreements according to which they are provided, and nothing presented through the Services should be construed to alter such agreements.

Each of these terms and conditions may be changed from time to time. Once we post changes on the Services, they are effective immediately.

CHIME Health AI may make changes to the Terms in the future. If we make a material change to the Terms, we will notify you, such as posting a notice on our website or sending a message to the email address associated with your account. By continuing to access or use the Services, you agree to be bound by the revised Terms.

Risks and Considerations Regarding CHIME Health AI Services

Once you obtain your information from our tests, the knowledge is irrevocable. You should not assume that any information provided to you, whether now or as research advances, will be welcome or positive. As research advances, you may need to obtain further Services from CHIME Health AI, your physician, a therapist/counselor, or other healthcare provider. If you are concerned that you might have a condition screened for in one of our tests, we encourage you to talk with a healthcare professional to better understand your results and formal testing options.

Some people feel a little anxious about getting health results and you may learn information about yourself that you do not anticipate. This is normal. If you feel very anxious, you should speak to your physician or a healthcare provider prior to taking our test. Additionally, you may discover things about yourself that trouble you and that you may not have the ability to control or change.

You should not change your health behaviors solely on the basis of information received from CHIME Health AI.

CHIME Health AI’s Services are not intended to diagnose any condition or disease.

• Our tests are not intended to tell you anything about your current state of health, or to be used to make medical decisions, including whether or not you should take a medication, how much of a medication you should take, or determine any treatment.
• If you have concerns or questions about what you learn through CHIME Health AI, you should contact your physician or other healthcare provider before making any lifestyle changes.

Please note, the information provided by CHIME Health AI tests is for research, informational, and educational use only. This means two things:

1. Some of the discoveries that we report have not been clinically validated, and the technology we use, which is the same technology used by the research community, to date has not been widely used for clinical testing.
2. Talk to your Healthcare provider. CHIME Health AI does not endorse, warrant or guarantee the effectiveness of any specific course of action, resources, tests, physician or other healthcare providers, drugs, biologics, medical devices or other products, procedures, opinions, or other information that may be mentioned on our website. If we provide any recommendations and/or potential ways to take action, this information is intended for informational purposes only and for discussion with your physician or other healthcare provider. Our tests are not intended to be used by the customer for any diagnostic purpose and are not a substitute for professional medical advice. Reliance on any information provided by CHIME Health AI, CHIME Health AI employees, others appearing on our website at the invitation of CHIME Health AI, or other visitors to our website is solely at your own risk.

Furthermore, to expand and accelerate the understanding and practical application of musical knowledge in healthcare, we invite all eligible users to participate in CHIME Health AI Research. When we use the term “Product Development”, it means research performed for the purpose of new product development and new product development activities performed by CHIME Health AI on De-identified Information. These activities may include, among other things, improving our Services and/or offering new products or services to you; performing quality control activities; conducting data analysis that may lead to and/or include commercialization with a third party. CHIME Health AI Research is also for the purposes of advancing scientific research by publishing aggregate and de-identified results in scientific journals and conference presentations. Participation in such research is voluntary and based upon an Institutional Review Board-approved consent document.

Using the Services

In our Do’s and Don’ts list below, we describe what you can and cannot do while using the Services.

Do’s

By accessing CHIME Health AI Services, you agree to, acknowledge, and represent that:

• You give permission to CHIME Health AI, its contractors, successors and assignees to analyze your test responses and you specifically request CHIME Health AI to disclose the results of analyses to you and to others you authorize.
• You acknowledge that CHIME Health AI may offer different or additional technologies or features to collect and/or interpret your test responses and information in the future, and that your initial purchase of the Service does not entitle you to any different or additional technologies or features for collection or interpretation of your test responses or information without fee, and that you will have to pay additional fees in order to have your test responses or information collected, processed, and/or interpreted using any future or additional technologies or features.
• You understand that by taking our tests, having your information processed, accessing your information, or providing information, you acquire no rights in any research or commercial products that may be developed by CHIME Health AI or its collaborators. You specifically understand that you will not receive compensation for any research or commercial products that include or result from your information.
• You will follow the user conduct guidelines, as described below at all times.
• Any information derived from your test remains your information, subject to rights we retain as outlined in these Terms.

Don’ts

As a condition of your use of the Services, you warrant to CHIME Health AI that you will not use the Services for any purpose that is unlawful or prohibited by these Terms, conditions, or notices. You may not use the Services in any manner that could damage, disable, overburden, or impair the Services or interfere with any other party’s use and enjoyment of the Services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Services.

Furthermore you agree you will not to use the Services to:

• (1) upload, post, email, or otherwise transmit any material that is derogatory, defamatory, obscene, or offensive, such as slurs, epithets, or anything that might reasonably be construed as harassment or disparagement based on race, color, national origin, sex, sexual orientation, age, disability, religious or political beliefs, or other statutorily protected status;
• (2) impersonate any person or entity, including, but not limited to, anyone affiliated with CHIME Health AI, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• (3) add your own headers, forge headers, or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Service;
• (4) “stalk” or otherwise harass another;
• (5) upload, post, email, or otherwise transmit any content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
• (6) use any information received through the Services to attempt to identify other customers, to contact other customers (other than through features for contacting other users such as DNA Relatives offered pursuant to the Services), or for any forensic use;
• (7) download any file posted by another user of the Service that you know, or reasonably should know, cannot legally be distributed in such manner;
• (8) upload, post, email or otherwise transmit any content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights (“Rights”) of CHIME Health AI or any other party;
• (9) harm minors in any way;
• (10) advertise or offer to sell or buy any goods or services for any business purpose, unless such area specifically allows such messages;
• (11) upload, post, email, or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, except in those areas that are designated for such purpose and only to the extent such content is authorized by law;
• (12) upload, post, email, or otherwise transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;
• (13) use manual or automated software, devices, scripts robots, other means or processes to access, “scrape,” “crawl” or “spider” any web pages or other services contained in the site, unless explicitly permitted by CHIME Health AI;
• (14) engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of CHIME Health AI’s website;
• (15) attempt to or actually override any security component of CHIME Health AI web services;
• (16) interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies, or regulations of networks connected to the Service;
• (17) violate these Terms, any code of conduct or other guidelines which may be applicable for any particular area of the Service or have been communicated to you by anyone affiliated with CHIME Health AI; or
• (18) intentionally or unintentionally violate any applicable local, state, national, or international law, or any regulations having the force of law.

Violations of the Terms

You agree that CHIME Health AI may, in its sole discretion and without prior notice, terminate your access to the Services. You also agree that any violation by you of these Terms, including incorporated policies, such as the user conduct guidelines, will constitute an unlawful and unfair business practice, and will cause irreparable harm to CHIME Health AI, for which monetary damages would be inadequate, and you consent to CHIME Health AI obtaining any injunctive or equitable relief that CHIME Health AI deems necessary or appropriate in such circumstances. These remedies are in addition to any other remedies CHIME Health AI may have at law or in equity.

CHIME Health AI may preserve or disclose any information we have about you if we determine that such preservation or disclosure is necessary. Reasons for disclosure may include, but are not limited to: a connection with any investigation or complaint regarding your use of the Services, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) CHIME Health AI’s rights or property, or the rights or property of visitors to or users of the Services, including CHIME Health AI’s customers. CHIME Health AI reserves the right to preserve or disclose any information that CHIME Health AI deems necessary to comply with any applicable law, regulation, or valid legal process.

If CHIME Health AI does take any legal action against you as a result of your violation of these Terms, CHIME Health AI will be entitled to recover from you, and you agree to pay all reasonable attorneys’ fees and costs of such action, in addition to any other relief granted to CHIME Health AI. You agree that CHIME Health AI will not be liable to you or to any third party for termination of your access to the Services as a result of any violation or suspected violation of these Terms.

Accounts, Passwords and Security

To use certain Services, you may need to create an account. You agree to provide CHIME Health AI with accurate, updated, and complete information for your account. Any parent or guardian who uses the Services on behalf of their child who is under 18 assumes full responsibility for ensuring the information that they provide to CHIME Health AI about their child is kept secure and that the information submitted is accurate. You are fully responsible for all activities that occur under your CHIME Health AI account, so it’s important to keep your account and password secure. If you think someone has gained access to your account, please contact our Customer Care Team immediately.

Privacy

Your use of the Services is governed by our Privacy Statement. We encourage you to review our Privacy Statement to learn more about how we handle data.

Export Control and Applicable Laws and Regulations

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable content. Specifically, you agree 1) that providing your test responses is not subject to any export ban or restriction in the country in which you reside, 2) that your test responses and data may be transferred and/or processed outside the country in which you reside, and 3) that you will comply with all applicable laws regarding the transmission of technical data exported from the United States or the country from which you access any Service online.

Licensing and Intellectual Property Rights

User Content

“User Content” is all information, data, text, software, music, audio, photographs, graphics, video, messages, or other materials generated by users of the Services and transmitted, whether publicly or privately, to or through CHIME Health AI. User Content does not include health information. To provide the Services to you, you must grant us a license to your User Content. We do not claim ownership of User Content, but you grant us a license to use it.

You give CHIME Health AI, its affiliated companies, sublicensees and successors and assignees a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to host, reproduce, adapt, modify, translate, publish, publicly perform, store, publicly display, distribute, reproduce, edit, reformat, and create derivative works from any User Content that you submit, post, or display on or through the Services. This license is fully-paid and royalty free, meaning we do not owe you anything else in connection with our use of your User Content. You acknowledge and agree that this license includes a right for CHIME Health AI to make such User Content available to other companies, organizations, or individuals with whom CHIME Health AI has relationships, and to use such User Content in connection with the provision of those services.

What does it mean to provide us with a license to your User Content? It means:

• You represent and warrant to CHIME Health AI that you have all the rights, power, and authority necessary to grant the above license.
• Unless otherwise specified, you retain copyright and any other rights you already hold over User Content that you create and submit, post, or display on or through the Services.
• You acknowledge and agree that you, and not CHIME Health AI, are entirely and solely responsible for all User Content that you upload, post, email, or otherwise transmit via the Service.
• You acknowledge that CHIME Health AI and its designees have the right (but not the obligation) to modify, or remove any available User Content. Without limiting the foregoing, CHIME Health AI and its designees shall have the right to remove any content that violates the Terms or is deemed by CHIME Health AI, in its sole discretion, to be otherwise objectionable. You acknowledge and agree that you bear all risks associated with the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.
• You understand that you should not expect any financial benefit from CHIME Health AI as a result of having your information processed; made available to you; or, as provided in our Privacy Statement and these Terms, shared with or included in reports or data shared with any research collaborator.

Limited License

Other than User Content, all text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such Content, contained on the Services is owned, controlled or licensed by or to CHIME Health AI, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

CHIME Health AI grants you a limited license to copy and distribute free of charge any information contained in CHIME Health AI products and services (such as data sheets, knowledge base articles, and similar materials) purposely made available by CHIME Health AI for sharing or downloading from the Services, provided that you do not:

• Remove any proprietary notice language in all copies of such documents;
• Copy or post such information on any networked computer or broadcast it in any media;
• Make modifications to any such information;
• Make any additional representations or warranties relating to such documents; and,
• Use such information for your non-personal, commercial purpose(s).

Product Warranty

• CHIME Health AI warrants that its products will be free from defects in materials and workmanship for the period of time applicable to such products. This warranty and any other product warranties, expressed or implied, are only valid on products purchased from CHIME Health AI.com or from one of our official authorized retail partners.
• CHIME Health AI does not support the unauthorized resale of its products, and CHIME Health AI is unable to ensure the quality of its products when sold by unauthorized sellers or through unauthorized channels. We strongly encourage our customers to purchase only from CHIME Health AI.com or from one of our official authorized retail partners. CHIME Health AI does not extend any warranty or satisfaction guarantee to products purchased from unauthorized resellers. We reserve the right to cancel orders and/or block future CHIME Health AI.com purchases by customers that appear to be purchasing items for resale on third-party sites, or found to be using multiple accounts to attempt to surpass any quantity limits.

Product Diversion and Resale of CHIME Health AI Products

• Only our authorized retail partners are permitted to resell CHIME Health AI products. No other parties are authorized to sell CHIME Health AI products or purchase products from CHIME Health AI.com or from an authorized retail partner for the purpose of reselling the products. No person or entity, without the express written consent of CHIME Health AI, is authorized to sell on any e-commerce platform, such as, but not limited to, Amazon, eBay or Walmart. Authorized retail partners are prohibited from, and shall take reasonable steps to avoid, selling to any third party that intends to resell CHIME Health AI products. In the event an authorized retail partner becomes aware, or is informed by CHIME Health AI, that it is selling products to an unauthorized reseller, such authorized retail partner shall immediately cease doing business with such unauthorized reseller.
• Authorized retail partners agree to handle and store all CHIME Health AI products in accordance with the Material Safety Data Sheets and any other CHIME Health AI requirements, which are provided to authorized retail partners. Additionally, all products must be stored in secure, climate-controlled facilities. To ensure the safety and well-being of consumers, all authorized retail partners agree to cooperate with CHIME Health AI with respect to any product recalls or other consumer safety information dissemination efforts. Authorized retail partners further agree to maintain customer service phone and email response functions to handle customer complaints, returns and other customer service functions. Authorized retail partners further agree to represent CHIME Health AI products with current images of the products and offerings. Unauthorized retailers do not have any licenses to any CHIME Health AI copyright or trademark rights.
• Authorized retail partners shall only sell CHIME Health AI products in their original packaging. Relabeling, repackaging, and other alterations to CHIME Health AI products or their packaging is not permitted. Tampering with, defacing, or otherwise altering any serial number, UPC code, batch or lot code, SKU or other identifying information on products or their packaging is prohibited. Authorized retail partners may not remove, translate, or modify the contents of any label or literature on or accompanying the products. Authorized retail partners shall not use CHIME Health AI trademarks, logos, icons, product names, taglines, and slogans supplied by CHIME Health AI, other than as permitted by CHIME Health AI. Authorized retail partners shall promptly take down any use of CHIME Health AI trademarks that CHIME Health AI requests to be taken down. Authorized retail partners shall not advertise, market, display, or demonstrate non-CHIME Health AI products together with CHIME Health AI products in a manner that would create the impression that the non-CHIME Health AI products are made by, endorsed by, or associated with CHIME Health AI. For legitimate business reasons, certain authorized retail partners, who have the written consent of CHIME Health AI, are not required to strictly comply with the foregoing provisions.
• Promptly upon receipt of CHIME Health AI products, authorized retail partners must inspect the products for damage, defects, evidence of tampering, product expiration, or other non-conformances. If any defect is identified, such defective product must not be offered for sale and must promptly be reported to CHIME Health AI.

Disclaimers and Limitation of Liability

Indemnity

You agree to defend and hold CHIME Health AI, and its subsidiaries, affiliates, officers, agents, contractors, partners, employees, successors, and assigns harmless from any claim, or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of User Content you submit, post to, or transmit through the Service; your use of the Service; your connection to the Service; your violation of the Terms; or your violation of any rights of another.

If you have completed a test or otherwise provided your own information, you will defend and hold harmless CHIME Health AI, its employees, contractors, successors, and assignees from any liability arising out of the use or disclosure of any information obtained from analyzing your testing scores and/or analyzing your information, which is disclosed to you consistent with our Privacy Statement or results from any third-party add-ons to tools we provide. In addition, if you choose to provide your information to third parties – whether individuals to whom you facilitate access, intentionally or inadvertently, or to third parties for diagnostic or other purposes – you agree to defend and hold harmless CHIME Health AI, its employees, contractors, successors, and assignees from any and all liability arising from such disclosure or use of your information.

Disclaimer of Warranties

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT: (1) YOUR USE OF THE SERVICES ARE AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CHIME Health AI EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. (2) CHIME Health AI MAKES NO WARRANTY THAT (a) THE SERVICES WILL MEET YOUR REQUIREMENTS; (b) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, UNFAILINGLY SECURE, OR ERROR-FREE; (c) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE; (d) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS AND (e) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED. (3) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. (4) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CHIME Health AI OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS AND SHALL NOT BE RELIED UPON AS MEDICAL ADVICE. (5) YOU SHOULD ALWAYS USE CAUTION WHEN GIVING OUT ANY PERSONALLY IDENTIFYING INFORMATION ABOUT YOURSELF OR THOSE FOR WHOM YOU HAVE LEGAL AUTHORITY. CHIME Health AI DOES NOT CONTROL OR ENDORSE ANY ACTIONS RESULTING FROM YOUR PARTICIPATION IN THE SERVICES AND, THEREFORE, CHIME Health AI SPECIFICALLY DISCLAIMS ANY LIABILITY WITH REGARD TO ANY ACTIONS RESULTING FROM YOUR PARTICIPATION IN THE SERVICES.

Limitation of Liability

WITHIN THE LIMITS ALLOWED BY APPLICABLE LAWS, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT CHIME Health AI SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF CHIME Health AI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (A) THE USE OR THE INABILITY TO USE THE SERVICES; (B) ANY ACTION YOU TAKE BASED ON THE INFORMATION YOU RECEIVE IN, THROUGH OR FROM THE SERVICES, (C) YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL, (D) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICES; (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (F) THE IMPROPER AUTHORIZATION FOR THE SERVICES BY SOMEONE CLAIMING SUCH AUTHORITY; OR (G) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES.

Dispute Resolution and Arbitration

Dispute Resolution (including Arbitration, Class Action Waiver and Time to Initiate Action)

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

1. Initial Dispute Resolution. We are available by email at support@chimehealth.ai to address any concerns you may have regarding your use of the Service. Most concerns may be quickly resolved in this manner. You agree to use best efforts to settle any dispute, claim, question, or disagreement directly through consultation and good faith negotiations which shall be a precondition to either party initiating a lawsuit or arbitration.
2. Agreement to Binding Arbitration. If we do not reach an agreed upon solution within a period of thirty (30) days from the time informal dispute resolution is pursued pursuant to the Initial Dispute Resolution section above, then either you or we may initiate binding arbitration. Except for any disputes excluded below in (d), all claims arising out of or relating to these Terms (including their formation, performance and breach), the parties’ relationship with each other and/or your use of the Services shall be finally settled by binding arbitration administered on a confidential basis by JAMS, in accordance with the JAMS Streamlined Arbitration Rules and Procedures, excluding any rules or procedures governing or permitting class actions. Each party will have the right to use legal counsel in connection with arbitration at its own expense. The parties shall select a single neutral arbitrator in accordance with the JAMS Streamlined Arbitration Rules and Procedures. The arbitrator, and not any federal, state or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability or formation of these Terms, including, but not limited to, any claim that all or any part of these Terms is void or voidable. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be in writing and provide a statement of the essential findings and conclusions, shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. The interpretation and enforcement of these Terms shall be subject to the Federal Arbitration Act. The JAMS rules governing the arbitration may be accessed at https://www.jamsadr.com/adr-rules-procedures. If you initiate arbitration, to the extent the filing fee for the arbitration exceeds Two Hundred and Fifty U.S. Dollars ($250), and where the claim is found to be non-frivolous, we will pay the additional cost. If we are required to pay the additional cost of the filing fees, you should submit a request for payment of fees to JAMS along with your form for initiating the arbitration, and we will make arrangements to pay all necessary fees directly to JAMS. We will also be responsible for paying all other arbitration costs arising in connection with the arbitration, other than costs incurred by you for legal counsel, travel and other out-of-pocket costs and expenses not constituting fees or amounts payable to JAMS. You will not be required to pay fees and costs incurred by use if you do not prevail in arbitration. We will also pay JAMS to reimburse you for any portion of the $250 filing fee that is more than what you would otherwise have to pay to file suit in a court of law. You understand that, absent this mandatory provision, you would have the right to sue in court and have a jury trial. You further understand that the right to discovery may be more limited in arbitration than in court.
3. Class Action and Class Arbitration Waiver. You and we each further agree that any arbitration shall be conducted in our respective individual capacities only and not as a class action, and you and we each expressly waive our respective right to file a class action or seek relief on a class basis. The arbitrator may award in the arbitration the same damages or other relief available under applicable law, including injunctive and declaratory relief, as if the action were brought in court on an individual basis. Notwithstanding anything to the contrary in the foregoing or herein, the arbitrator may not issue a “public injunction” and any such “public injunction” may be awarded only by a federal or state court. If either party seeks a “public injunction,” all other claims and prayers for relief must be adjudicated in arbitration first and any prayer or claim for a “public injunction” in federal or state court stayed until the arbitration is completed, after which the federal or state court can adjudicate the party’s claim or prayer for “public injunctive relief.” In doing so, the federal or state court is bound under principles of claim or issue preclusion by the decision of the arbitrator. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provision set forth above in (b) shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate disputes.
4. Exceptions. Notwithstanding the parties’ agreement to resolve all disputes through arbitration, either party may seek relief (i) in a small claims court for disputes or claims within the scope of that court’s jurisdiction, and (ii) any disputes relating to intellectual property rights, obligations, or any infringement claims.
5. 30 Day Right to Opt-Out. You have the right to opt-out and not be bound by the arbitration and class action waiver provisions set forth in (b) and (c) by sending written notice of your decision to opt-out by emailing us at support@chimehealth.ai. The notice must be sent within thirty (30) days of your first use of the Service, or the effective date of the first set of Terms containing an Arbitration and Class Action and Class Arbitration Waiver section otherwise you shall be bound to arbitrate disputes in accordance with the terms of those sections. If you opt-out of these arbitration provisions, we also will not be bound by them.
6. Term for Cause of Action. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.
7. Exclusive Venue for Litigation. To the extent that the arbitration provisions set forth in (b) do not apply or if you have opted out of arbitration, you agree that any litigation shall be filed exclusively in state or federal courts located in Delaware (except for small claims court actions which may be brought in the county where you reside). You and we expressly consent to exclusive jurisdiction in Delaware for any litigation other than small claims court actions. In the event of litigation relating to these Terms or the Service, you agree to waive, to the maximum extent permitted by law, any right to a jury trial, except where a jury trial waiver is not permissible under applicable law.

Other things to know

Modifications, Termination and Survival

Modification. CHIME Health AI reserves the right at any time to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice. If you violate the Terms and/or CHIME Health AI has a reasonable ground to suspect that you have violated the Terms, CHIME Health AI has the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

Termination. CHIME Health AI may also at any time, terminate its legal agreement with you if: (1) you have breached the Terms or incorporated policies, such as the user conduct guidelines (or have acted in manner which shows that you do not intend to, or are unable to comply with, the provisions of the Terms); (2) CHIME Health AI is required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); (3) the partner with whom CHIME Health AI offered the Services to you has terminated its relationship with CHIME Health AI or ceased to offer the Services to you; (4) CHIME Health AI is transitioning to no longer providing the Services to users in the country or state in which you reside or from which you use the Services; or (5) the provision of the Services to you by CHIME Health AI is, in CHIME Health AI’s opinion, no longer commercially viable. Any suspected fraudulent, abusive, or illegal activity that may be grounds for termination of your use of the Services may be referred to appropriate law enforcement authorities. You acknowledge and agree that CHIME Health AI shall not be liable to you or any third party for any termination of your access to the Services, and you will defend and indemnify CHIME Health AI and its affiliates against any liability, costs, or damages arising out of the breach of the representation. Finally, CHIME Health AI may, in its sole discretion, restrict access to the website for any reason.

Survival of Terms. When the Terms come to an end, regardless of who terminates them, both you and CHIME Health AI will continue to be bound by all but the following sections: Limited License, Modifications to Service.

Hyperlinks and the CHIME Health AI Website

The Service provides, and third parties may provide, links to other sites and resources on the Internet. Because CHIME Health AI has no control over such sites and resources, you acknowledge and agree that CHIME Health AI is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You should read the terms and conditions, including privacy policies, of any third parties to understand the rules and policies governing your use of their services or products.

Miscellaneous

Entire Agreement. The Terms make up the entire agreement between you and CHIME Health AI, and supersedes any prior agreements. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party content, or third-party software.

Governing Law. These Terms will be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any conflict of laws, rules or provisions.

Waiver. If we do not enforce a provision in these Terms, it will not be considered a waiver.

Severability Clause. If any portion of these Terms is found to be unenforceable, the remaining portion will remain in full force and effect.

Assignment. You may not assign or delegate any rights or obligations under this agreement. Any purported assignment and delegation shall be ineffective. We may freely assign or delegate all rights and obligations under this agreement, fully or partially without notice to you. We may also substitute, by way of unilateral novation, effective upon notice to you, CHIME Health AI for any third party that assumes our rights and obligations under this agreement.

Notice

Notices to you may be made via either email or regular mail. CHIME Health AI may also provide notices of changes to the Terms or other matters by displaying notices or links to notices to you generally on or through the Services. Official notices must be sent to us at support@chimehealth.ai.

Any notices that you provide without compliance with this section on Notices shall have no legal effect.