Terms of Service

Your licence to use Chase Now

These Terms are an agreement between you and Chase Now Labs, Inc., 2261 Market St #4718, San Francisco, CA 94114 (“Chase Now”, “we”, “us”). They apply when you install or use the Chase Now browser extension and when you use chasenowsavings.com. Installing the extension means you accept them; if you do not, uninstall it, which ends the agreement immediately.

We grant you a personal, worldwide, royalty-free, non-exclusive, non-transferable and revocable licence to install and run one copy of the extension per browser profile you control, for your own shopping. The extension is free of charge. There is no subscription, no paid tier, no in-product purchase and no account, so there is nothing to bill and nothing to cancel.

We keep everything the licence does not give you. You may not sell, rent, sublicense or redistribute the extension or a modified build of it; remove or alter our notices; reverse engineer it except to the extent that applicable law expressly permits; or repackage the bundled reward catalog as a dataset or API of your own. You may absolutely inspect the code that is running in your browser, and you may write about it, criticise it or report bugs in it.

Chase Now is distributed through the Chrome Web Store, and your use of that store is governed by Google’s terms as well as ours. Updates arrive through the store; a new version may change, add or remove features, and continued use after an update is acceptance of the version you are running.

Acceptable use

Chase Now types codes into the same field you would have typed them into, at the pace a careful person would, with a bounded attempt budget: eight attempts by default, roughly 1.2 seconds apart, waiting for the order total to settle in between. That behaviour is deliberate, and it is the behaviour you are licensed to use. You agree not to defeat those limits or to use the extension in ways that turn it into something else:

No scripted, headless or farmed operation: do not drive the extension from automation, run it across many profiles or machines in parallel against one merchant, or raise the attempt budget to a level that amounts to brute-forcing a coupon endpoint.
No resale of what it produces. Scraping merchant pages, reward catalog entries or tested-code results in order to publish, license or sell them as a coupon feed or dataset is outside this licence.
No use against a site whose terms forbid it. You are responsible for reading and honouring the terms of the merchants you shop with, and for stopping if a merchant asks you to.
No coupon misuse. You are responsible for honouring merchant coupon terms: single-use codes, employee or student codes you are not entitled to, codes restricted to first orders, stacking rules, and any prohibition on using a code you were not issued. If a merchant later cancels an order or reverses a discount because a code was used outside its terms, that is between you and the merchant.
No interference with our systems, no attempt to probe or breach the website, and no use of Chase Now to violate the law or infringe someone’s rights.

If you break these rules we may revoke your licence. Since the product runs locally and we hold no account, the practical enforcement is that you must stop and uninstall; we also reserve the right to publish a fix that blocks the abusive pattern.

No guarantee that a code works or that a card is the best choice

Chase Now is a testing and comparison tool, not a promise of savings. When it chases codes it reports what the merchant’s own checkout did. A code is recorded as works when the recalculated order total dropped — or, for a discount that never shows up in the total such as free shipping or a gift with purchase, when a success message naming that exact code appeared for the first time after we typed it, or a discount chip naming that code appeared where there was none before. It is recorded as failed when the cart returned an error or nothing observable changed, and unknown when the page never settled within the timeout. There will be checkouts where every candidate fails, where the field cannot be found, where a single-use code is already spent, or where the merchant silently ignores the code. A run that finds nothing is a normal outcome, not a defect.

The card recommendation is arithmetic on the data available to it: the reward multiplier your card earns in the merchant’s category, plus any card-linked bank offer you recorded, applied to the cart total the extension detected. It cannot know your annual fee, your statement cycle, a promotional rate that ended, a spending cap you have already hit, an issuer’s exclusion list, how the merchant is actually coded by the network, or whether that card is close to its limit. The suggested card is a starting point for your own judgement, not financial advice, and nothing in Chase Now is an offer, recommendation or endorsement of a credit product.

Your merchant relationship is yours. Prices, taxes, shipping, availability, returns, chargebacks and fraud claims are all matters between you, the retailer and your issuer. Chase Now is not a party to your purchase and takes no commission on it.

Reward rates and offers are best-effort data

The extension ships with a bundled catalog of reward rates mapped to twelve merchant categories, Dining & delivery, Groceries, Gas & EV charging, Travel, Transit & rideshare, Streaming, Online retail, Drugstores, Home improvement, Apparel, Entertainment and Everything else. It is compiled on a best-effort basis from public information and it will become stale. Issuers change earn rates, retire bonus categories, rotate quarterly categories, re-map merchants and cap accelerated earning, usually without notice.

Anything you type in is your own record. A bank offer such as “12% back, max $30, min spend $75, ends 2026-10-31” exists in Chase Now because you entered it; we do not verify that it was offered to you, that it is still live, or that this purchase qualifies. We also have no feed from any issuer that could tell us.

Verify the rate with your issuer before you rely on it: in the issuer’s app, on your statement, or in the card agreement. Where our catalog and your issuer disagree, your issuer is right. Editing a multiplier in your wallet changes only the local number Chase Now uses in its own calculation; it has no effect on what you actually earn.

No affiliation with banks, issuers or retailers

Chase Now Labs, Inc. is an independent company. We are not affiliated with, sponsored by, endorsed by or acting as an agent of any bank, credit-card issuer, payment network, loyalty programme or retailer, and no such organisation has reviewed, approved or certified this product.

Card, issuer and payment-network names and marks — including Chase, American Express, Citi, Capital One, Bank of America, Wells Fargo, Discover, Goldman Sachs, Synchrony, Target, Visa and Mastercard — are trademarks of their respective owners. They appear in the extension and on our website only to identify the card you are choosing between and the reward rates we have catalogued for it: a nominative use, not a claim of partnership. All card artwork shown in our marketing is our own illustration and is not issuer artwork.

Store names used in our screenshots and demo data — including Verge Outfitters, Loomis & Pike, Northwind Goods, Orbit Electronics and Juniper Grocer — are fictitious. The quotes on our marketing site are labelled illustrative examples of how the product behaves; they are not customer testimonials, and no real person is quoted. Cart totals, codes and discount amounts shown in our screenshots and interface examples are sample values chosen to illustrate the interface, not measured results from a real purchase. We display no award badge or endorsement mark, because no organisation has given us one.

We take no commission, referral fee, affiliate payment or placement money from anyone. No card can be promoted to the top of your ranking by paying us, and no merchant can buy a change in how codes are tested. If that ever changes, the disclosure will be on the page before the behaviour ships.

Disclaimer of warranties

Chase Now is provided “as is” and “as available”, without warranty of any kind. To the fullest extent permitted by law we disclaim all warranties, express, implied or statutory, including the implied warranties of merchantability, fitness for a particular purpose, title, accuracy and non-infringement.

We do not warrant that the extension will be uninterrupted, timely, error-free or compatible with any particular merchant’s checkout; that it will detect the promo field or the cart total on any given page; that codes it tests will be accepted; that a card ranking is optimal; that the bundled reward data is accurate or current; or that defects will be corrected. Checkout pages change constantly, and a flow that worked last week may not be recognised today.

No advice or information, oral or written, obtained from us, from our website or from a support reply creates any warranty not stated here. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you; in that case our liability is limited to the minimum the law permits.

Limitation of liability and indemnity

To the fullest extent permitted by law, neither Chase Now Labs, Inc. nor its officers, employees or contractors will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost savings, lost data, lost opportunity or reputational harm, arising out of or relating to your use of Chase Now, even if we were told such damages were possible. This specifically includes a discount you did not receive, a reward you expected and did not earn, an order a merchant cancelled, a single-use code consumed during a chase, and any consequence of relying on a stale reward rate.

Our total aggregate liability for all claims relating to Chase Now is limited to one hundred United States dollars (US$100). That cap reflects the fact that the product is free: we receive no consideration from you, and this allocation of risk is a condition of offering it at all. Nothing here excludes liability that cannot lawfully be excluded, such as liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or gross negligence or wilful misconduct.

You agree to indemnify and hold harmless Chase Now Labs, Inc. and its personnel from any claim, demand, loss, liability or expense, including reasonable legal fees, arising from your breach of these Terms, your violation of a merchant’s terms or a coupon’s conditions, your use of a code or discount you were not entitled to, your infringement of a third party’s rights, or your use of the extension in a manner this agreement prohibits. We will notify you of any such claim we intend to tender, and you may not settle it in a way that imposes an obligation on us without our written consent.

Suspension and termination

You may end this agreement at any moment by uninstalling the extension, which also deletes the data it kept on your device. No notice to us is required, and there is nothing to refund because the product is free.

We may suspend or terminate your licence if you materially breach these Terms, if we are required to do so by law or by the Chrome Web Store, or if we discontinue the product. We may also stop publishing Chase Now entirely; if we do, we will give at least 30 days’ notice on chasenowsavings.com so you can export your data with Export everything first. A copy already installed keeps working for as long as Chrome supports it, but will stop receiving updates.

Sections that by their nature should outlive the agreement do so: the licence restrictions, the disclaimers, the limitation of liability, the indemnity, governing law and dispute resolution all survive termination.

Governing law and dispute resolution

These Terms are governed by the laws of the State of California, excluding its conflict-of-laws rules and the United Nations Convention on Contracts for the International Sale of Goods. The exclusive venue for any dispute that reaches a court is the state and federal courts located in San Francisco County, California, and you and we consent to personal jurisdiction there. If you are a consumer resident in the EEA or the UK, nothing here removes the protection of your local mandatory consumer law or your right to sue where you live.

Informal resolution comes first. Before starting a formal proceeding, you agree to send a short written description of the dispute and the relief you want to [email protected] or to our postal address, and to give us 30 days to resolve it. We commit to the same before bringing a claim against you, and to having a person (not a form letter) respond. Most issues with a local, free tool are misunderstandings that a real reply fixes; this step exists so that both sides get that chance, and the 30-day clock pauses any applicable limitation period for that time.

If the dispute is unresolved after 30 days, either side may proceed in the courts named above. Either of us may bring an individual claim in small-claims court if it qualifies. Each of us agrees to bring claims only in an individual capacity and not as a plaintiff or class member in a class or representative action, to the extent that waiver is enforceable where you live. If any part of this section is held unenforceable, the rest continues to apply.

Changes to these Terms

We may update these Terms as the product changes or the law does. The revision date at the top of the page always reflects the current version, and we keep prior versions available on request from [email protected].

For material changes (anything that meaningfully reduces your rights or expands your obligations) we will post notice on chasenowsavings.com and in the extension’s release notes at least 14 days before the new version takes effect. Continuing to use Chase Now after that date is acceptance; if you disagree, uninstall, and the agreement ends with nothing owed by either side.

These Terms, together with our Privacy Policy and Cookie Policy, are the entire agreement between us about Chase Now and supersede any earlier understanding. If a provision is found invalid, it is limited or severed to the minimum extent necessary and the remainder stays in force. Our failure to enforce a provision is not a waiver of it, and you may not assign this agreement without our consent.

Questions about this document? Write to Chase Now Labs, Inc., 2261 Market St #4718, San Francisco, CA 94114 or email [email protected].