Effective Date: September 26, 2024

1. Introduction

These Terms of Service ("Terms") govern your use of Standard Chime Bank's website, products, and services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Services.  

2. User Eligibility

You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding contract.  

3. Account Creation

To access certain features of the Services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information, including your password. You agree to notify Standard Chime Bank immediately of any unauthorized use of your account or password.  

4. Use of the Services

You agree to use the Services in accordance with all applicable laws and regulations, as well as these Terms. You may not use the Services for any unlawful or prohibited purpose, including but not limited to:

• Impersonating another person.
• Harassing, threatening, or stalking others.
• Posting or transmitting any content that is obscene, defamatory, or harmful.
• Interfering with the operation of the Services.

5. Intellectual Property

All content on the Services, including but not limited to text, graphics, images, and software, is the property of Standard Chime Bank or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, modify, distribute, or otherwise use any content from the Services without our prior written consent.  

6. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. STANDARD CHIME BANK DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.  

7. Limitation of Liability

IN NO EVENT SHALL STANDARD CHIME BANK BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, OR LOSS OF INFORMATION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICES, EVEN IF STANDARD CHIME BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  

8. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction]. Any legal action arising out of or related to these Terms shall be filed exclusively in a court of competent jurisdiction within [Your Jurisdiction].  

9. Changes to These Terms

Standard Chime Bank may update these Terms from time to time. We will notify you of any material changes by posting the revised Terms on our website. Your continued use of the Services after the effective date of any revised Terms constitutes your acceptance of those changes.  

10. Contact Us

If you have any questions about these Terms or the Services, please contact us at:  

Standard Chime Bank 

[+1234567890]