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  Terms of Use


Chase Financial Services grants you, the user, a single, non-exclusive limited personal license to view and utilize the information contained on this site. This site and all related services are provided subject to your compliance with these terms and conditions and all applicable insurance laws. Your use of this site shall be your acceptance of these terms.

We may at any time revise these terms by updating them. You agree to be bound by subsequent revisions and agree to review the terms periodically for changes to them. The most up to date version of the terms will always be available for your review under the Terms and Conditions and Privacy Policy link that appears at the bottom of one or more pages on the site. We may also offer other services from time to time that are governed by different terms and conditions.

With the exception of applications commonly known as web browser software, or other applications formally approved by us in writing, you agree not to use any software, program, application or any other device to access or log on to our computer systems, site or proprietary software or to automate the process of obtaining, downloading, transferring or transmitting any content, information or quotes to or from our computer systems, site or proprietary software. We are not responsible for, and make no warranties regarding, the access, speed or availability of the Internet in general or the site in particular. You agree that you will not copy, reproduce, alter, modify, create derivative works, or publicly display any content from the site without our prior written permission, or that of the appropriate third party.


Insurance Services

This site and its contents are for informational and educational purposes only. You alone will need to evaluate the merits and risks associated with the use of the site. Although the site may provide information relating to financial and insurance advice, no information available through the site is intended or should be construed as a recommendation or endorsement from Chase Financial Services. Nothing contained on the site constitutes financial and insurance advice. Decisions based on information contained within the site are your sole responsibility. As discussed below, in exchange for using the site, you agree not to hold Chase Financial Services liable for any possible claim for any damages arising from any decision you make based on such information.

The application and quotation services offered by Chase Financial Services are as a convenience to site visitors. Every reasonable effort is made to ensure that all quotes delivered online are accurate. We will not be responsible for errors in rating, classification, description, payment terms or other factors related to the issuance of an insurance policy. Chase Financial Services is NOT an insurance company but is a licensed insurance agent and broker. All policies are issued by an insurance company, as identified on the web site.

Not all insurance products advertised are available in every state in the USA or available in every country in the world. The website is designed to prevent a visitor from getting an instant online quote for a state or country where such product is not available. However, the website can be manipulated to get an instant online quote if you use the incorrect address. If you manipulate the website to get an instant online quote using an incorrect address and you later submit an application with the correct address, this manipulation will be detected and your application will be discarded. If this manipulation is not immediately detected and an insurance policy is issued, Chase Financial Services is not responsible for any damages you suffer as a result of submitting a fraudulent application. Any variation of this type of manipulation is prohibited.

When you choose to purchase insurance at Chase Financial Services, you warrant the following:

1. You are the owner or authorized insurance buyer for the company requesting coverage. Loan officers and other lending professionals may not apply for coverage on behalf of a borrower even if the borrower gives authorization to do so. Applications from loan officers are declined. There are no exceptions.
2. You want Chase Financial Services or an affiliate of Chase Financial Services to act as your sole representative to the insurance company selected for the lines of coverage for which you have applied. Chase Financial Services may refer your application to a licensed affiliate to handle under certain circumstances.
3. You read and agreed to the terms and conditions (found on this page) and the disclosures prior to your submission of an application.
4. Prior to submitting your application, you agree to pay any associated non-premium fees that are contained in your instant online insurance quote when such fees are allowed by law. These fees may include application fees, fees charged by credit card companies when you pay with a credit card, fees charged for ordering motor vehicle reports, fees for processing checks received by fax, website automation fees charged by Chase Web Design to keep this website fully automated 24 hours per day so that you can purchase insurance from the comfort of your home or office, broker fees, earnest fees paid as a sign of your committment that you will work exclusively with Chase Financial Services for a set period of time (usually two weeks) before submitting the same application to another agent (usually applies to hard-to-place, commercial risks), consulting fees, fees to produce special letters to send to your lending institution to help you with the underwriting of your mortgage loan (usually applies when you don't want to buy insurance for several weeks but you want a written quote on our company letterhead to meet your loan underwriting requirement), fees to complete loan documents showing Chase Financial Services as your agent of choice (usually applies when you don't want to buy insurance for several months and only need to use our contact information on a loan document to get your loan underwritten), installment payment fees, and any other fee not specifically mentioned that is allowed by law. Get a complete list of fees
5. You understand that all rates, classifications, coverage, terms, monthly premium payments and audits are subject to the discretion of the insurance company and not within the control of Chase Financial Services.
6. All coverage determinations and claim settlements are done solely by the insurance company. If there is any conflict between site contents and the actual insurance policy, the actual insurance policy shall control.
7. It is your duty to comply with all terms and conditions of the insurance policy.
8. Any and all information which has been or will be provided by you is and shall be true and correct.
9. When allowed by law, you agree to receive invoices, policies, evidences of insurance, paid receipts, renewal notices and any other document associated with your application and your insurance policy exclusively via electronic transmission. Please, notify Chase Financial Services if you change your e-mail address. Chase Financial Services is not responsible if e-mails sent to you are not delivered for any reason.
All information presented at this site is for general reference use only. The policy, coverage and all other insurance information contained on this site is a general description of the coverage typically available to you. The exact coverage offered by any insurance company will be subject to the terms and conditions of the insurance policy as prepared by that insurance company. An insurance policy is a contract between you and the insurance company and, in addition to applicable law, the insurance policy represents the entire legal relationship between you and that insurance company. Chase Financial Services is a licensed insurance agent and broker and neither endorses nor recommends any specific insurance company or insurance policy.


Privacy Policy

Chase Financial Services is committed to protecting your privacy and all confidential business information. We will not collect personal information about you without your knowledge. When you do provide personal information, even your name and email address, we only use it for the purposes of providing you with an insurance proposal and administering your account. This may require the disclosure of some of your information directly to a licensed affiliate of Chase Financial Services or to the underwriter at the insurance company. They are required to follow privacy rules and may only use that information for the purpose of quoting your insurance and/or issuing an insurance policy. You will not receive unsolicited contacts by the insurance company.

We will not share your information with others without your permission. Chase Financial Services does not use “cookies” to collect data about you. The only use of a cookie on this site is associated with the online quote mechanism and is necessary to establish a unique user session to keep your data secure and private.

All credit card data is received directly by the processing service. None of your credit card information is stored on our servers.


Warranties; Intellectual Property

ALL MATERIAL AT Chase Financial Services IS PRESENTED “AS IS” WITH NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT FUNCTIONS OF THE QUOTE PROCESS, OR CONTENT CONTAINED HEREIN TO BE AVAILABLE UNINTERUPTED OR ERROR FREE, THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS. Chase Financial Services DOES NOT MAKE ANY WARRANT OR REPRESENTATION REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS AT THIS SITE AS TO THEIR CORRECTNESS, ACCURACE, RELIABILITY, SUITABILITY OR OTHERWISE. THERE IS NO WARRANTY OF MERCHANTABILITY, NO WARRANTY OF FITNESS FOR A PARTICULAR USE AND NO WARRANTY OF NON-INFRINGEMENT. THERE IS NO OTHER WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THE INFORMATION OR ANY ASPECT OF THE SITE. YOU ASSUME THE ENTIRE COST OF ANY AND ALL NECESSARY SERVICING, REPAIR OR CORRECTION RESULTING FROM YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE AND ALL SITE RELATED SERVICES. Chase Financial Services IS NOT RESPONSIBLE FOR THE CONTENT OR ACTIONS OF ANY OTHER SITE THAT MAY BE LINKED TO THIS SITE. WE HAVE NO CONTROL OVER THE PRIVACY PRACTICES OF OTHER WEB SITES. ANY LINKS ARE PROVIDED FOR YOUR CONVENIENCE ONLY AND YOU ACCESS THEM AT YOUR OWN RISK SUBJECT TO THEIR TERMS OF USE. WE MAY PROVIDE A LINK TO OTHER SITES AS PART OF THE SITE. SUCH SITES ARE NOT UNDER OUR CONTROL, AND WE MAKE NO REPRESENTATIONS WHATSOEVER CONCERNING THE CONTENT OF THOSE SITES. UNLESS WE EXPRESSLY STATE OTHERWISE, THE FACT THAT WE HAVE PROVIDED A LINK TO A SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP, OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS, OR ITS PROVIDERS. THERE ARE RISKS IN USING ANY INFORMATION, SOFTWARE, OR PRODUCTS FOUND ON THE INTERNET, AND WE CAUTION YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RETRIEVING, USING, RELYING UPON, OR PURCHASING ANYTHING VIA THE INTERNET. ADVERTISEMENTS ON THIS SITE ARE NOT REVIEWED FOR THE ACCURACY OR VALIDITY OF THEIR OFFERS. THE ENTIRE RISK AS TO THE USE OF THIS SITE IS ASSUMED BY YOU.

All graphics, text and all other types of content along with all code including but not limited to HTML, ASP, SQL and all other mark-up languages and all scripts contained within the site are the property of Chase Financial Services. Use for any purpose other than that expressly stated in writing is prohibited.

The site and its content are owned by Chase Financial Services or its affiliates or agents and are protected by United States copyright laws and international treaty provisions. All content, trademarks, services marks, trade names, logos, and icons are proprietary to Chase Financial Services or its affiliates or agents. Nothing contained on the site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the site without our written permission or such third party that may own the trademarks displayed on the site. Your use of the trademarks displayed on the site, or any other content on the site, except as provided herein, is strictly prohibited. Images displayed on the site are either the property of, or used with permission by, Chase Financial Services. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted under these terms. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, or other regulations and statutes.


Indemnity; Liability

You agree to indemnify and hold Chase Financial Services and its affiliates, agents, representatives, employees, and licensors harmless from any claim or demand, including attorneys' fees, made by any third party arising out of your use of any portion of the site or your violation of these terms.

Under no circumstances, including but not limited to a negligent act, will Chase Financial Services or its affiliates or agents be liable for any damages of any kind that result from the use of, or the inability to use, any portion of the site, even if one of our authorized representatives have been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.

You agree that Chase Financial Services shall not be liable in any way for the accuracy, completeness, timeliness or correct sequencing of the information contained or referenced on this site, or for any decision made or action taken by you relying upon such information. You further agree that Chase Financial Services will not be liable in any way for the interruption of any data, information or other aspect of the site. You understand that none of such information available through the site constitutes a recommendation or solicitation that you should purchase any particular insurance policy or type of insurance.


Miscellaneous

This agreement shall be governed by, construed and enforced in accordance with the internal laws of the Commonwealth of Virginia. Any action brought by any party in connection with this site shall be brought only in either the state or Federal courts located in the City of Richmond, Virginia. You expressly consent to the jurisdiction of these courts by your use of this site.

If any provision of this agreement or any other terms or policies of this site shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to all matters set forth herein. Chase Financial Services reserves the right to change or modify these terms and conditions at any time. Any changes or modifications are effective immediately upon posting to the site.

The license granted under these terms will terminate if you fail to comply with any term or condition. Upon such violation, you agree to terminate access to the site. You agree that Chase Financial Services, in its sole discretion and with or without notice, may terminate your access to any or all of the site, and remove and discard any information or content within the site. Chase Financial Services may also in its sole discretion with or without notice discontinue providing the site. You also agree that Chase Financial Services will not be liable to you or any third party for any termination of your access to the site.

Chase Financial Services reserves the right to withdraw, suspend or discontinue any and all features and function of this site without notice. We make no guarantee that all sections of the site will continue to be accessed for free by non-customers. Features, services and permissions may change or cease at any time without notice.
Copyright © 2001-2006 Chase Financial Services
Consumer Disclosures | Terms of Use & Privacy Policy