Telephone Use Agreement

Chime Financial, Inc
Telephone Use Agreement

Please read this Telephone Use Agreement (the “Agreement’) carefully. This Agreement sets forth a legal agreement between you (“you” or “your”) and Chime Financial, Inc (“Chime”), its subsidiaries and affiliates, and/or service providers (collectively, “Chime”, “we”, “us” and/or “our”) regarding how we communicate with you. This agreement applies to both transactional and marketing text messages or voice calls. ​​By using our websites, mobile application and/or technology platform (collectively “Chime Services”), you agree, on behalf of yourself and others who use any Chime Services under your account, to the following conditions. Chime may, from time to time, modify the Agreement. Please check this Agreement periodically for changes. Your continued use of Chime Services after the changes become effective constitutes your binding acceptance of such changes.

By providing us with a telephone number or email address, including a mobile telephone number (telephone number and email address (to the extent an email is connected to a text-messaging feature on your device) collectively “telephone number”), you expressly consent to receive recurring and/or prerecorded communications from us, and Chime’s bank partners, The Bancorp Bank, N.A. and Stride Bank, N.A., at that telephone number, including communications made by use of an automatic telephone dialing system (“ATDS”) for account-related purposes, including identity verification and fraud detection. You acknowledge and agree that the communications may be transmitted to you by various means, including, but not limited to, live telephone calls, pre-recorded or artificial voice messaging calls, text messages, and/or calls made by an ATDS from us or our agents or contractors.

If you participate in the Pay Anyone Transfer Service (“Pay Anyone”), the payment service described in The Bancorp Bank, N.A. Deposit Account Agreement or Stride Bank, N.A. Deposit Account Agreement, in order to receive such services, you expressly consent to the receipt of emails or automated text messages from us, our service providers, and from those that are sending you money or requesting money from you. If you provide us with the telephone number of any other person or entity when initiating or requesting a payment through Pay Anyone, you represent and warrant to us that the person or entity has consented to receive automated text messages from us related to that payment.

This express consent applies to every telephone number that you provide to us now or in the future. You will notify us immediately if you change or surrender any telephone number you have provided to us. You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service providers for the duration of your business relationship, to help them identify you or your wireless device and to prevent fraud.

Message and data rates may apply. We, our service providers, and the wireless carriers are not liable for undelivered or delayed text messages. Please consult your wireless provider with any questions about your text or data plan. You can cancel text service at any time. If you want to opt-out of text messages from a certain phone number, text “STOP”, “CANCEL”, “END”, “QUIT”, OR “UNSUBSCRIBE” in response to that respective message. We will send you a text message to confirm that you have been unsubscribed. Text “HELP”  in response to a message from us if you want more information about messages. You can also contact us for help through the Chime app or by telephone at (844) 244-6363, however you must use the text opt-out process described above to no longer receive text messages. We do not accept text message opt-out requests via US mail or other delivery service.

You are not required to accept periodic automated marketing messages from us.

Please read the Chime privacy notice at: https://www.chime.com/policies/chime/privacy-policy/, which also governs your use of Chime Services.

Effective as of 7/26/23