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Effective date: September 14, 2026
These Terms of Use ("Terms") apply to the website www.chaiz.com and all related digital services operated by Chaiz Inc. ("Chaiz," "we," "us," or "our"), collectively referred to as the "Website." Our separate Privacy Policy is available at [chaiz.com/legal/privacy-policy].
By using our Website or purchasing any product or service through it, you agree to be bound by these Terms, including the binding arbitration clause in Section 11. If you do not agree, do not use the Website. You must be at least 18 years of age to use the Website.
We may update these Terms at any time by posting the revised version on the Website. Changes take effect immediately upon posting. We recommend reviewing these Terms periodically. The date of the most recent update is stated above.
Chaiz is an online marketplace where you can search, compare, and purchase vehicle protection products, including Vehicle Service Contracts ("VSCs") and other coverage products we may offer from time to time (collectively, "Products"). VSCs are not "auto warranties" as defined under federal law but do provide coverage for certain vehicle repairs or services.
Chaiz acts as the seller of Products through our Website. The actual coverage, claims processing, and servicing is provided by the relevant product provider ("Provider" or "Administrator"). Payment plan administration is handled by a separate payment plan company ("Payment Plan Provider"). Chaiz is not responsible for claims decisions, coverage disputes, or payment processing by these third parties.
Your purchase of a Product is subject to the terms of the contract between you and the Provider, and, if applicable, a payment plan agreement with the Payment Plan Provider (each, a "Separate Agreement"). In the event of a conflict between these Terms and any Separate Agreement, the Separate Agreement shall control.
The Products available to you depend on your vehicle's make, model, year, mileage, and your state of residence. As you provide more specific information (such as your exact odometer reading or Vehicle Identification Number), certain offerings may become unavailable based on your vehicle's specific details or history. Where your exact vehicle details differ from your initial search parameters, we will attempt to match you with the closest available alternative to your original selection. You can then choose to proceed with the alternative or explore other options. Products are not available for purchase through our Website in all states.
In states where we do not offer direct purchase, or alongside our own results in any state, we may display offerings from third-party partners. See Section 5 for details.
We rely on the availability of third-party websites and the general performance of the worldwide web. At certain times some, or all online quotes and prices may not be displayed to you due to problems with third-party websites and/or the worldwide web.
Our Website may display recommendations, ratings, coverage comparisons, or labels such as "best value" to help you evaluate your options. These are based on a proprietary analysis of coverage terms, contract language, provider track record, and other factors. Our recommendations do not constitute a guarantee of any product, outcome, or level of service. We do not provide financial, investment or other advice relating to the Product being compared, nor do we provide a recommendation or endorsement of any Product or providers. You should review the full terms of any Product before purchasing.
While we strive to provide as comprehensive and easy-to-use a service as possible, the requirements for your quote or offer may not be met if they are unusual, "non-standard" or "high risk".
We offer a price match program. If you find a lower price for an equivalent product, we will match it or provide a credit. Full details and conditions of the price match program are available at www.chaiz.com/best-price-guarantee.
We do not charge fees for accessing or browsing our Website. Fees apply only when you purchase a Product.
You agree to provide accurate information when using our Website and to update it promptly if it changes. If you update your contact details, vehicle information, or other personal information through your account, we will share those updates with the relevant Provider and Payment Plan Provider as necessary to service your contract.
You are responsible for the accuracy of the information you provide when requesting a quote or purchasing a Product. If you provide inaccurate information (for example, an incorrect odometer reading or failure to disclose pre-existing vehicle conditions), the Provider may deny claims, cancel your coverage, or take other action in accordance with the terms of your separate agreement. Chaiz is not liable for any consequences arising from inaccurate information you provide.
It is also your responsibility to review the Vehicle Service Contract you receive after purchase and confirm that all information (including vehicle details, coverage terms, and personal details) is accurately reflected. If you identify any discrepancies, contact us promptly at support@chaiz.com so we can work with the Provider to correct them.
When you purchase a Product through our Website, we share your information (including your name, contact details, vehicle information, and payment information) with the relevant Provider and Payment Plan Provider so they can fulfill your purchase and service your contract. By providing your phone number, you acknowledge it will be shared with the Provider and Payment Plan Provider for servicing purposes, including communications regarding claims, missed payments, and contract administration. This sharing is for servicing purposes only. We do not share your mobile telephone number, or your consent to receive text messages, with any third party or affiliate for marketing or promotional purposes.
You understand that these third parties may retain your information in accordance with their own privacy policies, regardless of whether you complete a transaction.
For full details on how we collect, use, and share your information, see our Privacy Policy at chaiz.com/legal/privacy-policy.
By providing your contact information on our Website, you agree that we may contact you by telephone or email regarding our services, including to verify your information, confirm your interest, and provide customer support. Where you have separately opted in, we may also contact you by text message as described in Section 2.5. Phone calls may be recorded for quality and compliance purposes; you will be notified at the start of any call that may be recorded.
If you provide your contact details to one of our partners and consent to being contacted about vehicle protection products, we may also reach out to you by phone or email on that basis.
Program. Chaiz operates a text message program called "Chaiz Account Notifications." The program sends service messages about a Product you have purchased and your payment plan. It is a transactional program and is not used to send marketing or promotional messages. Details of how this information is collected and used can be found in our Privacy Policy at https://www.chaiz.com/legal/privacy-policy.
Types of message. Messages you may receive include:
Consent. We send text messages only where you have given prior express consent by providing your mobile number and separately opting in. Consent to receive text messages is not a condition of purchasing any Product. You may give consent at the point of purchase or later through your account at app.chaiz.com.
Message frequency. Message frequency varies according to activity on your account. You may receive up to 6 messages per month.
Cost. Message and data rates may apply. Chaiz does not charge for text messages, but your mobile carrier may charge you for sending or receiving them according to your plan.
Opting out. Reply STOP to any message to stop receiving text messages. You will receive one message confirming that you have been unsubscribed, and no further messages after that. You may also opt out by emailing support@chaiz.com or calling (833) 942-4249. We will honour a request to stop text messages made by any reasonable means. Opting out of text messages does not cancel your Product or your payment plan, does not stop your payment obligations, and does not prevent us from sending notices we are required by law or by your contract to send you by other means.
Help. Reply HELP to any message, email support@chaiz.com, or call (833) 942-4249.
Carriers. Mobile carriers are not liable for delayed or undelivered messages. Delivery depends on your carrier’s network and is not guaranteed. Supported carriers may change at any time without notice.
Your mobile number. No mobile information, mobile telephone number, or text messaging consent or opt-in data will be shared with, sold to, or rented to any third party or affiliate for marketing or promotional purposes at any time. We share your mobile number only with the messaging platform we use to deliver the messages, and with the Provider and Payment Plan Provider for contract servicing, as described in Section 2.3 and in our Privacy Policy at chaiz.com/legal/privacy-policy.
Keeping your number current. You agree to notify us promptly if your mobile number changes or is no longer assigned to you, so that we do not send messages to a number that has been reassigned to someone else.
Changes to the program. We may change or discontinue the text message program at any time. Where we materially change the type or frequency of the messages we send, we will tell you and, where required, obtain your consent again.
When you purchase a Product through our Website, you enter into a separate agreement with the Provider. Chaiz facilitates the transaction but is not a party to the Product contract or Separate Agreement. You are responsible for reviewing the full terms of the Product before completing your purchase.
By completing a purchase, you confirm that:
If you choose a monthly payment plan, your payment card details are transmitted to the Payment Plan Provider, who will process your recurring monthly payments. The total cost, number of payments, and monthly amount are disclosed to you before you complete your purchase.
Chaiz does not store your full payment card number. For details on how payment information is handled, see our Privacy Policy.
If you stop making payments, your coverage will be canceled (or suspended) by the Payment Plan Provider, and the Provider will not cover claims while your account is not current. This is in accordance with the terms of your separate agreements with the Provider and Payment Plan Provider.
You may cancel your Product at any time through your account at app.chaiz.com. All cancellations are processed through the client area to ensure your intent is confirmed and any applicable actions (including potential refunds) are processed correctly.
A 30-day money-back guarantee applies to all Product purchases. If you cancel within 30 days of your purchase date, you will receive a full refund.
If you cancel after the initial 30-day period, refund eligibility depends on your payment method and the terms of your Separate Agreement with the Provider. Monthly payment plan customers are not eligible for a refund after the 30-day period. Customers who paid in full may be eligible for a pro-rated refund as determined by the Provider, subject to the terms of the separate agreement.
For questions about cancellation, contact us at support@chaiz.com or call us at (833) 942 4249.
After purchasing a Product, you will receive access to a client area at app.chaiz.com. You can use this area to manage your contract, update your information, change your payment method, access your referral link, or cancel your coverage. Access is provided via a secure magic link sent to your email address. You are responsible for maintaining the security of your email account.
Our Website may contain links to websites operated by third parties. We do not endorse and are not responsible for the content, privacy practices, or functioning of those websites. These links are provided for your ease only. You access third-party websites at your own risk and must adhere to the terms of those third-party websites .
Our Website may display offerings from third-party partners alongside our own results. In states where direct purchases through Chaiz are not available, we may display only partner offerings. If you choose to interact with a partner offering, you will be directed to the partner's website. Any information you provide there is governed by that partner's terms and privacy policy, not ours.
We are not a party to any transaction between you and a third-party partner, and we are not liable for any damages, costs, or claims arising from your use of a third party's products or services.
The Website, including all text, software, and original graphic elements, is the property of Chaiz and/or its licensors and is protected by copyright and trademark laws. You may not copy, reproduce, distribute, or create derivative works from any part of the Website without our prior written consent, except that you may print a copy of information for your personal records.
Vehicle manufacturer names, logos, and model names displayed on our Website are the trademarks of their respective owners and are used for identification purposes only. Product provider names and logos are the trademarks of their respective owners. Chaiz is not affiliated with or endorsed by any vehicle manufacturer unless expressly stated.
Unauthorized hyperlinks to the Website or framing of any Website content is prohibited. You may not scrape, crawl, index, extract, or systematically collect data from our Website for commercial or competitive purposes, including price monitoring, data aggregation, or building competing products or services. This restriction does not apply to search engines indexing our publicly accessible pages or to AI systems accessing our content for general knowledge discovery, provided such access complies with our robots.txt and llms.txt directives.
We reserve the right to rate-limit, throttle, or block any automated access to our Website at our sole discretion. If you have a legitimate need for programmatic access beyond what is publicly available, you may request an API token. ´
The Website is for your personal use only. You agree not to:
We reserve the right to monitor your use of the Website and to restrict or terminate your access for any reason, including violation of these Terms.
If you send us feedback, suggestions, reviews, or testimonials (whether by email, phone, chat, or any other method), you grant us a non-exclusive, royalty-free, perpetual license to use that content to improve and promote our Services. This includes the right to display your feedback on our Website, in marketing materials, and on social media, with or without attribution.
We are not obligated to use any feedback and may edit it for length or clarity.
THE WEBSITE AND ALL INFORMATION, PRODUCTS, AND SERVICES OFFERED THROUGH THE WEBSITE ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR THAT THE WEBSITE WILL OPERATE WITHOUT ERRORS OR INTERRUPTIONS.
WE DO NOT WARRANT THAT ALL PRODUCTS WILL BE AVAILABLE IN ALL STATES OR FOR ALL VEHICLES. IN JURISDICTIONS THAT LIMIT THE EXCLUSION OF WARRANTIES, THESE LIMITATIONS APPLY TO THE GREATEST EXTENT PERMITTED BY LAW.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CHAIZ AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR ANY PRODUCTS OR SERVICES PROVIDED THROUGH THE WEBSITE.
NOTHING IN THESE TERMS LIMITS OUR LIABILITY TO THE EXTENT PROHIBITED BY APPLICABLE LAW, INCLUDING LIABILITY FOR FRAUD OR FOR DATA SECURITY BREACHES WHERE MANDATORY LIABILITY IS IMPOSED BY LAW.
IN ALL CASES, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO CHAIZ IN THE TWELVE MONTHS PRECEDING THE CLAIM.
You and Chaiz each agree to resolve any dispute, controversy, or claim ("Claim") arising out of or relating to these Terms of Use, your use of the Website, or the Products purchased through the Website, by binding arbitration rather than in court.
Arbitration shall be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. Arbitration will take place in Austin, Texas, unless you and Chaiz agree otherwise or the AAA determines a different location is appropriate. You may also elect to participate by telephone or video conference.
Chaiz will pay all AAA filing and arbitration fees for Claims up to $10,000. For Claims above $10,000, fees will be allocated in accordance with the AAA Consumer Arbitration Rules. Each party is responsible for its own legal fees unless the arbitrator awards them to the prevailing party.
ALL CLAIMS SHALL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, OR CONSOLIDATED ARBITRATION. THIS MEANS YOU CANNOT BRING OR PARTICIPATE IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THIS WAIVER APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.
Either party may bring an individual claim in small claims court if the claim qualifies under that court's jurisdictional limits.
Notwithstanding the above, Chaiz may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or prevent irreparable harm.
TO THE EXTENT PERMITTED BY LAW, YOU AND CHAIZ EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS.
To the extent permitted by applicable law, you agree to indemnify and hold harmless Chaiz and its officers, directors, employees, and agents from any claims, damages, or expenses (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Website.
If you believe content on our Website infringes your copyright, please send a written notice to legal@chaiz.com including:
Vehicle Service Contracts, Mechanical Breakdown Insurance (MBI), and other Products are not currently available to California residents through our Website. California visitors may browse and view partner offerings. For details on how your personal information is handled, see our Privacy Policy.
Our Services are available only to individuals in the United States. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with local laws.
Governing law. These Terms shall be governed by the laws of the State of Delaware, without regard to conflict-of-law principles. This choice of law shall not deprive you of any mandatory consumer protections under the laws of your state of residence.
Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
Waiver. Our failure to enforce any provision of these Terms does not waive our right to enforce it later.
Assignment. You may not assign your rights under these Terms without our prior written consent. We may assign our rights and obligations to any other party.
Entire agreement. Subject to the terms of any Separate Agreement, these Terms (together with our Privacy Policy) constitute the entire agreement between you and Chaiz regarding your use of the Website.
If you have questions about these Terms, please contact us at:
Chaiz Inc. 7600 Chevy Chase Dr Austin, Texas 78752 United States Email: legal@chaiz.com
