These Terms of Service ("Terms") govern your access to and use of the services, websites, and applications (collectively, the "Services") provided by Chimo AI Inc. ("Chimo," "we," "us," or "our"), a Texas corporation with its principal address at 12060 Industry Blvd #1058, Jackson, CA 95642. Please read these Terms carefully. By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use our Services.
1. Acceptance of Terms
By using our Services, you affirm that you are at least 18 years old, reside in the United States or its territories, and have the legal authority to enter into these Terms. If you use our Services on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.
2. Service Description
Chimo provides:
Unclaimed Property Services: We help users identify and recover unclaimed property or funds held by governmental or private entities, including searching databases, preparing, and filing claims on your behalf.
Class Action Claim Filing Services: We automate the process of submitting class action claims on your behalf when you may be eligible to participate in settlements.
3. User Registration & Account Security
- You must create an account to access certain Services.
- You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.
- You agree to provide accurate, current, and complete information, and to update it as necessary.
- You agree to promptly notify us of any unauthorized access to or use of your account.
- We reserve the right to suspend or terminate your account if we detect suspicious activity or if we believe you have violated these Terms.
4. Fees and Payment
Service Fees: Our fee structure may include fixed fees, contingency fees (percentage of recovered funds), or a combination of both, depending on the service type and claim characteristics. All applicable fees will be clearly displayed at checkout before you engage our Services.
Fee Disclosure: Our current fee structure is available on our website and will be presented to you during the checkout process. You agree to the fee structure in effect at the time you authorize a specific claim or service.
Fee Changes: We may update our fee structure from time to time. Any changes to our fees will not affect claims already in process under previously agreed terms.
Payment Authorization: By using our Services, you authorize us to collect our fees according to the terms agreed upon at checkout, which may include deducting our fees from any recovered funds prior to disbursement to you.
Payment Processing: All payments will be processed via your designated payment method. You represent that you are authorized to use the payment method provided.
Fee Disclosure Compliance: In accordance with applicable consumer protection laws, including the Texas Deceptive Trade Practices-Consumer Protection Act (DTPA), all fees are clearly disclosed prior to service commencement.
5. No Guarantee of Recovery
Chimo does not guarantee that any claim will be approved or that any funds will be recovered. You acknowledge and agree that the outcome of any claim depends on factors outside our control, including the decisions of governmental agencies, courts, or settlement administrators.
6. Service Process and Agency Relationship
Agency Representation: You appoint Chimo as your authorized agent to act on your behalf in all communications and interactions with third parties related to your claims. This agency relationship includes, but is not limited to, representing you before governmental agencies, settlement administrators, and other relevant parties.
Email Representation: As part of our agency services, you authorize Chimo to represent you using substitute contact information, including email addresses controlled by Chimo, when interacting with third parties. This allows us to efficiently communicate with claim administrators and government agencies on your behalf.
Claim Process: For unclaimed property, we search for potential matches, notify you, and initiate the claim process upon your authorization. For class actions, we notify you of eligible actions and provide you with a 15-business-day opt-out window before filing a claim on your behalf. If you do not opt out, we will file the claim.
Document Authorization: You authorize us to prepare, sign (electronically where permitted), and submit documents on your behalf based on the information you provide.
Electronic Records: In compliance with the Electronic Signatures in Global and National Commerce Act (E-SIGN), we maintain electronic records of all authorizations and electronically signed documents for a minimum of 7 years. You acknowledge that providing your electronic authorization constitutes your electronic signature, with the same legal effect as a handwritten signature.
Communications Management: We will forward relevant communications received on your behalf according to your specified preferences (platform, email, or mobile application). You are responsible for reviewing these communications promptly and responding as necessary.
Technology-Enhanced Services: You acknowledge and consent that Chimo may use artificial intelligence technologies, machine learning, and other automated systems to enhance our services, including but not limited to: - Analyzing communications from claim administrators
- Preparing and reviewing claim documentation
- Monitoring claim status
- Generating communications to third parties
Cooperation with Legal Authorities: You acknowledge that Chimo will cooperate with law enforcement agencies, courts, and other legal authorities as required by law, including responding to subpoenas, court orders, or other legal processes. Your information may be shared with such authorities without prior notice to you when legally required.
7. User Representations, Warranties, and Responsibilities
You represent, warrant, and agree that:
- All information you provide is true, accurate, and complete to the best of your knowledge.
- You are the lawful owner or authorized representative of any property or claim pursued through our Services.
- You will not submit fraudulent, false, or misleading claims or documentation.
- You understand and accept full responsibility for any penalties, fines, or legal actions arising from your provision of false, incomplete, or misleading information, including but not limited to perjury, fraud, or misrepresentation.
You acknowledge that submitting false claims or documents may constitute a criminal offense under the laws of multiple jurisdictions, including but not limited to: - The state in which you reside
- The state in which the claim is filed
- Federal laws, including the Wire Fraud Act (18 U.S.C. § 1343), Mail Fraud Act (18 U.S.C. § 1341), and False Statements Act (18 U.S.C. § 1001)
- You acknowledge that because Chimo operates across multiple states and jurisdictions, your actions may subject you to legal liability in numerous jurisdictions simultaneously, potentially resulting in both state and federal prosecution for serious offenses.
- You acknowledge that providing false information on government or court forms may constitute perjury under various state and federal laws, which can be punishable by significant fines and/or imprisonment.
- You have independently verified the accuracy of all information before submission to us.
8. Claim Denial and Disclaimers
Chimo is not responsible for any claim that is denied, delayed, or rejected for any reason, including but not limited to:
- Errors, omissions, or mistakes in our Services, including incorrect claim submissions.
- User-provided false, incomplete, outdated, or misleading information.
- Failure to provide required documentation or meet deadlines.
- Decisions or actions by third parties, including governmental agencies, courts, or settlement administrators.
You expressly waive any right to pursue legal action against Chimo for denied claims, regardless of the cause.
9. Indemnification and Hold Harmless
You agree to indemnify, defend, and hold harmless Chimo, its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to:
- Your use of our Services.
- Your violation of these Terms.
- Your violation of any law or third-party right.
- Any claim denial, prosecution, fine, penalty, or other consequence arising from your submission of false, incomplete, or misleading information, or your unauthorized or fraudulent use of our Services.
- Any costs incurred by Chimo in defending against subpoenas, regulatory inquiries, or criminal investigations related to your claims, or in recovering funds erroneously disbursed due to your actions.
Legal Expenses Reimbursement: You agree to promptly reimburse Chimo for all legal expenses, including but not limited to attorney's fees, court costs, investigation expenses, expert witness fees, document production costs, and travel expenses incurred by Chimo in the following circumstances:
- Responding to or complying with any subpoena, court order, regulatory inquiry, or government investigation related to your claims or use of our Services, regardless of whether you are the subject of such proceedings.
- Defending against any claim, investigation, or proceeding arising from your intentional acts, especially those involving fraud, misrepresentation, or provision of false information.
- Recovering funds erroneously disbursed due to your actions or addressing any financial consequences of your fraudulent or misleading conduct.
- If your use of our Services results in any criminal investigation or prosecution of Chimo or its officers, directors, or employees.
This indemnification obligation survives termination of these Terms and your use of the Services.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHIMO AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:
- YOUR ACCESS TO OR INABILITY TO ACCESS OUR SERVICES.
- ANY THIRD-PARTY CONDUCT OR CONTENT.
- ANY CONTENT OBTAINED FROM OUR SERVICES.
- UNAUTHORIZED ACCESS TO YOUR CONTENT OR TRANSMISSIONS.
- CLAIM DENIALS OR ERRORS, WHETHER CAUSED BY CHIMO OR OTHERWISE.
IN NO EVENT SHALL CHIMO'S AGGREGATE LIABILITY EXCEED THE GREATER OF $100 OR THE AMOUNTS PAID BY YOU TO CHIMO FOR THE PAST SIX MONTHS OF SERVICE.
11. Communication Consent
By providing your contact information, you consent to receive communications from Chimo regarding your claims, account status, and other service-related matters via email, phone, text message, or other means. You may opt out of marketing communications, but not essential service communications.
12. Privacy Policy
Your use of our Services is subject to our Privacy Policy, which describes how we collect, use, and store your information.
By using our Services, you specifically consent to the collection, use, and sharing of your information as described in our Privacy Policy, including the use of your personal information to verify identity, submit claims, and prevent fraud. This includes consent to our use of artificial intelligence technologies as detailed in Section 5 of our Privacy Policy.
13. Intellectual Property
The Services and all content, features, and functionality are the exclusive property of Chimo and its licensors. Our trademarks and trade dress may not be used without our prior written consent.
14. Dispute Resolution, Governing Law, and Arbitration
Any dispute, claim, or controversy between you and Chimo arising out of or relating to these Terms or the Services shall be governed exclusively by the laws of the State of Texas, without regard to conflict of law principles.
Exclusive Jurisdiction: Despite the multi-state nature of our services, you and Chimo agree that any legal action, dispute, or proceeding between you and Chimo shall be brought exclusively in the courts located in Dallas County, Texas. You consent to the personal jurisdiction of such courts and waive any objection to the laying of venue in such courts.
Arbitration: Any dispute arising from or relating to these Terms or the Services will be resolved by binding arbitration in Dallas County, Texas, under the Commercial Arbitration Rules of the American Arbitration Association and in accordance with the Texas Arbitration Act (Texas Civil Practice & Remedies Code §171.001 et seq.).
Class Action Waiver: You agree to bring claims only in your individual capacity and not as a plaintiff or class member in any class or representative proceeding.
Pre-Arbitration Notice: Prior to initiating any legal proceeding against Chimo, you agree to submit a written notice of dispute to support@chimo.ai and allow Chimo 30 days to respond and attempt to resolve the issue. The notice must include: (1) your name and contact information; (2) the nature of your claim; (3) the relief sought; and (4) your signature. This dispute resolution process is a prerequisite to pursuing any other remedy.
15. Termination
We may terminate or suspend your account or access to the Services at any time, with or without notice, for any reason, including a violation of these Terms. You may cancel your participation at any time, but cancellation does not affect claims already filed on your behalf.
16. Modifications
We may revise these Terms at any time. We will provide notice of material changes. Your continued use of the Services after changes are posted constitutes acceptance of the revised Terms.
17. Additional Legal Provisions
Assignment: You may not assign your rights under these Terms without our prior written consent. We may assign our rights at any time.
Severability: If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provision shall be deleted without affecting the remaining provisions herein. In such instance, the provision shall be replaced with a valid and enforceable provision that most closely matches the intent of the original provision.
Force Majeure: Chimo is not liable for failures or delays due to circumstances beyond our reasonable control. Force Majeure events include, but are not limited to: acts of God; acts of government; flood, fire, earthquakes, civil unrest, acts of terror, strikes or other labor problems; internet service provider failures or delays; denial of service attacks; or any other event beyond Chimo's reasonable control.
Entire Agreement: These Terms constitute the entire agreement between you and Chimo regarding the Services.
No Waiver: Our failure to enforce any provision does not constitute a waiver.
18. Contact Information
Chimo AI Inc.12060 Industry Blvd #1058Jackson, CA 95642 Email: support@chimo.aiPhone: (888) 555-1234Texas Entity Number: [INSERT TEXAS REGISTRATION NUMBER] 19. Use of Technology and AI Systems
Chimo employs various technologies, including artificial intelligence, machine learning, large language models, and automated systems to provide and improve our Services. You acknowledge and agree to the following with respect to these technologies:
Service Delivery: We may use AI systems to help identify potential claims, complete forms, analyze documentation, and prepare communications related to your claims.
Decision Support: While we use AI technologies to enhance our services, material decisions about your claims may be reviewed by humans before submission when required by applicable law.
Natural Language Processing: Our systems may analyze communications related to your claims, including those from you and third parties, to extract relevant information, determine next steps, and provide appropriate responses.
Process Automation: We may use automated systems to track claims, monitor status changes, and identify necessary actions to advance your claims.
Quality Assurance: Our systems may analyze patterns across multiple claims to identify potential issues, improve accuracy, and enhance service delivery.
Limitations: You understand that although our AI systems are designed to provide accurate services, they have inherent limitations. Chimo does not warrant that AI-generated content or analysis will be error-free.
Human Review: You may request human review of significant decisions made solely through automated processes by contacting support@chimo.ai. Separate from Privacy Matters: This section addresses the use of technology in service delivery and is separate from and in addition to our Privacy Policy, which governs the collection, use, and sharing of your information.
The use of these technologies is designed to improve efficiency and accuracy in recovering your funds. Your use of our Services constitutes consent to our use of these technologies as described in this section.
20. Acknowledgment
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS, INCLUDING THE DISCLAIMERS, LIMITATIONS OF LIABILITY, AND INDEMNIFICATION PROVISIONS.
BY CHECKING THE BOX AT REGISTRATION, YOU SPECIFICALLY ACKNOWLEDGE THAT: "I UNDERSTAND THAT SUBMITTING FALSE CLAIMS OR DOCUMENTS MAY CONSTITUTE A CRIME UNDER VARIOUS STATE AND FEDERAL LAWS, INCLUDING WIRE FRAUD, MAIL FRAUD, AND FALSE STATEMENTS LAWS, AND MAY RESULT IN CRIMINAL PROSECUTION, SUBSTANTIAL FINES, AND/OR IMPRISONMENT."
If you have any questions about these Terms, please contact us at
support@chimo.ai.