Original Effective Date: Jan 1, 2023
Revised Version Effective Date: October 16, 2026
Last Updated: October 9, 2026
Public notice of revised policy. Policy update: These Terms and Conditions now address insurance consultation requests. This revised version takes effect October 16, 2026 and applies prospectively. Our existing real estate provisions remain in effect until that date. The revised insurance-related clauses apply beginning October 16, 2026 — they are not applied retroactively.
Welcome to Chief Investment Properties ("Company," "we," "our," or "us"). These Terms and Conditions govern your use of our website, services, and communications. By accessing or using our services, you agree to these terms.
These Terms apply to our real estate business and, additionally, to the educational insurance consultation content and forms made available on this website. Insurance consultations are provided by Steven Spencer in his individual capacity, separate from Chief Investment Properties LLC's real estate services. Steven Spencer is a Washington licensed life insurance producer (license WA1373444, NPN 22317877) and an Experior Financial Associate.
Experior Financial Group is a distribution and agent-support organization, not an insurer. Chief Investment Properties LLC is not a licensed insurance agency and is not a subsidiary of Experior.
Please do not use our services if you disagree with these terms.
Chief Investment Properties specializes in real estate solutions, including:
We reserve the right to modify or discontinue any aspect of our services at any time without prior notice.
We do not guarantee any specific financial outcomes, sale price, or time to close. All results are subject to market variability, third-party decisions, and user responsiveness.
Any earnings or income examples are provided for illustrative purposes only and do not guarantee your results. Your success depends on many factors, including your effort, market conditions, and experience.
In addition to real estate services, this website offers educational life insurance consultation content. These consultations are provided by Steven Spencer in his individual capacity as a Washington licensed life insurance producer (license WA1373444, NPN 22317877) and Experior Financial Associate. They are separate from Chief Investment Properties LLC's real estate business.
Educational topics may include:
These consultations are educational only. They are not individualized investment, tax, or legal advice and do not guarantee eligibility, premium amounts, policy issuance, cash value growth, returns, or suitability.
By using our services, you agree that you:
We reserve the right to refuse service to anyone suspected of violating these terms.
Our services are not directed toward children under the age of 13. We do not knowingly collect personal information from minors. If you believe we have received information from a child, contact us immediately for removal.
We may use electronic records to document requests, consents, and communications, and such records may be treated as originals for evidentiary purposes under the E-SIGN Act. However, submitting a website contact request does not by itself execute or purchase any product or insurance contract. Separate agreement and signing processes apply to any contract, including any insurance contract. Nothing in this section requires you to accept electronic signatures where a separate, express agreement or a signed writing is legally required.
Offers are non-binding until all parties execute a formal purchase agreement.
Submitting the Insurance & Family Protection consultation request form is a request for a conversation only. It creates no obligation and does not create, bind, or purchase:
Submitting the form does not guarantee eligibility, premium amounts, policy issuance, cash value growth, returns, or suitability. Any insurance application is a separate process conducted through the appropriate carrier process, with its own privacy disclosures, authorizations, licensing and appointment requirements, underwriting, and policy terms.
"Market analysis" refers to our internal review of:
"Underwriting" includes:
"Due diligence" may include a title check, inspection, financial review, ownership verification, and any required third-party evaluations.
We update offer terms and market insights as needed, based on changes in local real estate conditions, interest rates, or regional trends. Updates to individual offers will be communicated directly via email or phone.
There is no formal dispute or appeal process for declined offers. However, users are encouraged to contact us directly if they believe the decision was based on incomplete or inaccurate information. We may reconsider a declined offer if updated documentation or a revised request is submitted within 15 business days.
If you wish to dispute a finalized transaction or claim against Chief Investment Properties, submit a written request including supporting documents and a detailed explanation to steven.spencer@chiefinvestmentproperties.com. We will confirm receipt within 3 business days and issue a written response within 15 business days. If unresolved, the matter may be escalated through mediation or small claims court in accordance with Georgia law.
If you believe your account has been compromised or that you've been the victim of fraud while using our services, contact us immediately at steven.spencer@chiefinvestmentproperties.com or call 1-866-780-3892. We will investigate the issue, provide a confirmation of receipt within 3 business days, and notify you of any action taken within 10 business days.
We rely on information provided by sellers, public records, and third-party services and cannot independently verify all submitted data. All offers are made "as-is, where-is" based on the information available at the time.
Chief Investment Properties is not a licensed real estate brokerage, law firm, or financial advisory service. Any information provided is for informational purposes only and should not be considered legal, financial, or real estate advice.
We recommend consulting a qualified attorney or financial advisor before making any real estate decisions.
Insurance and IUL information on this website is educational only and is not individualized investment, tax, or legal advice. We do not guarantee eligibility, premium amounts, policy issuance, cash value growth, returns, or suitability.
IUL is permanent life insurance, not direct stock-market investing. Policy charges can reduce cash value even when the indexed floor applies. Policies carry lapse risk, and may include caps, participation rates, and surrender charges. Loans and withdrawals reduce policy values and the death benefit, and may have tax consequences.
Illustrations may include both guaranteed and non-guaranteed values; non-guaranteed values are not promises.
Product availability depends on state licensing, carrier appointments, underwriting, and policy terms. The policy and issuer documents govern the actual insurance contract. Nothing in these website Terms alters coverage, cancellation or free-look rights, claims procedures, refunds, or legally protected consumer rights.
We contact you to respond to the purpose or request you authorized. Providing contact details for a website form lets us respond to that request using the method you selected. Specifically:
Where law requires separate express consent for automated or prerecorded marketing calls or marketing text messages, that consent is obtained separately and is not inferred from your use of the website or from providing a phone number.
Chief Investment Properties SMS Program: A separate, separately opted-in real estate program covering real estate updates, property offers, seller resources, and reminders related to real estate solutions. The insurance consultation form does not enroll you in this real-estate program.
Insurance text messages (separate opt-in): The insurance consultation form offers two separate, optional checkboxes that are unchecked by default — one for non-promotional (transactional) messages from Chief Investment Properties LLC about your consultation request, appointment reminders, and follow-up notifications, and one for optional marketing and promotional messages about life insurance education and consultation opportunities. Neither box is required to submit the form, and marketing consent is not a condition of purchase. Providing a phone number does not, by itself, authorize text messages.
Sender: Text messages are sent by Chief Investment Properties LLC, the business name used for these programs.
You can cancel the SMS service at any time. Simply reply "STOP" to the message you received from the number that sent it. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or contact us directly. For real estate messages: steven.spencer@chiefinvestmentproperties.com or 1-866-780-3892. For insurance consultation messages: spencer4571@gmail.com or 360-519-2651.
Carriers are not liable for delayed or undelivered messages.
Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text or data plan, contact your wireless provider.
For privacy-related inquiries, please refer to our privacy policy: chiefinvestmentproperties.com/privacy-policy.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.
Text messaging originator opt-in data and consent will not be shared with any third parties, except with service providers necessary to deliver the text messages on our behalf. They are never shared with third parties or affiliates for their own marketing or promotional purposes.
Our website or communications may contain links to third-party websites. We are not responsible for their content, privacy policies, or practices.
Using third-party services linked through our platform is at your own risk.
To the fullest extent permitted by law, Chief Investment Properties and its affiliates shall not be liable for:
Our total liability shall not exceed the amount paid (if any) for our services.
Some of our services may involve fees. These will be disclosed clearly before any transaction or agreement is finalized. Users are never obligated to pay unless a fee-based service is explicitly accepted and documented.
We shall not be held liable for any failure or delay in performance due to events beyond our reasonable control, including acts of God, war, terrorism, labor disputes, supply chain issues, or disruptions in internet services.
We may update these Terms and Conditions periodically. When we make material changes, we will update the "Last Updated" date and provide notice on our website, and we may also notify users by email where appropriate. Continued use of our services constitutes acceptance of any revised terms. Material changes to these Terms that affect user rights will require affirmative acknowledgment before continued access to key services.
This revised version of the Terms and Conditions addresses insurance consultation requests. It takes effect October 16, 2026 and applies prospectively. Our existing real estate provisions remain in effect until that date, and the revised insurance-related clauses apply beginning October 16, 2026. They are not applied retroactively.
These Terms shall be governed by and interpreted in accordance with the laws of the State of Georgia, without regard to conflict of law principles. Georgia law governs all transactions, communications, and user interactions with our company and website. These laws may affect user rights regarding disclosures, opt-outs, and legal remedies.
This Section is subject to Section 12 (Important Exceptions). Nothing in this Section overrides mandatory insurance or consumer protection law, the terms of any issued insurance policy, your right to file a complaint with an insurance or consumer regulator, or any right that cannot lawfully be waived. Where mandatory law that applies to you provides greater protection, that law governs.
For more information on how we collect, use, and protect your data, please refer to our Privacy Policy.
We retain contact and interaction records for as long as needed for the purpose collected, for legal and compliance recordkeeping, to honor consents, and to maintain suppression records for opt-outs. We do not state a single fixed retention period because retention depends on the purpose and applicable legal requirements. Users may request deletion of their data by contacting us directly, subject to legal retention obligations and suppression needs.
The site and our service providers may use cookies and similar technologies for functionality and analytics. You can control cookies through your browser settings, and consent requirements apply where required by law.
If you are a resident of California or another state with applicable data privacy laws, you may have additional rights regarding access, correction, and deletion of personal data.
Some leads may be acquired through third-party data providers or public records. We strive to contact only those individuals who may have a legitimate interest in real estate solutions and always offer an apparent opt-out.
All disputes, claims, or controversies arising out of or relating to these Terms or your use of our services shall be resolved by binding arbitration in Fulton County, Georgia, in accordance with the rules of the American Arbitration Association. Each party shall bear its legal fees. Users waive the right to trial by jury.
The Federal Arbitration Act shall govern this arbitration agreement and shall survive termination of your relationship with us. Notwithstanding the foregoing, either party may seek injunctive or equitable relief in a court of competent jurisdiction for matters related to intellectual property, unauthorized use, or fraud. If any part of this agreement is found unenforceable, the remaining provisions shall remain in effect.
Users agree to resolve disputes individually and waive any right to participate in class actions or class-wide arbitration.
The Georgia governing-law, arbitration, fee, and refund provisions in these Terms do not override mandatory insurance or consumer protection law, the terms of any issued insurance policy, the right to file a complaint with an insurance or consumer regulator, or any right that cannot lawfully be waived.
You agree to indemnify, defend, and hold harmless Chief Investment Properties, its officers, agents, and affiliates from and against any claims, damages, liabilities, or expenses (including legal fees) arising from your use of our services, your violation of these Terms, or your submission of inaccurate or unlawful information.
All materials, including text, logos, brand assets, content, and proprietary documents, are the intellectual property of Chief Investment Properties and may not be copied, distributed, or repurposed without written permission.
Chief Investment Properties' failure to enforce any provision of these Terms shall not constitute a waiver of its rights under these Terms or applicable law. In addition, the provisions in Sections 12 through 15 shall survive termination of your access or use of the services.
If any user breach, misrepresentation, or fraud results in reputational, operational, or financial harm to Chief Investment Properties, the Company reserves the right to seek actual, consequential, and statutory damages, including recovery of attorney's fees, expert witness fees, and court costs to the fullest extent permitted by law.
If any provision of these Terms is found to be unlawful or unenforceable, the remaining provisions will remain in full force and effect.
If you require accommodations to access any part of our website or services, please contact us at steven.spencer@chiefinvestmentproperties.com or 1-866-780-3892. We are committed to providing access and usability for all individuals, including those with disabilities.
Unless otherwise agreed upon in writing, all payments made for services rendered by Chief Investment Properties are final and non-refundable. If you believe a charge was made in error, you must contact us within 10 business days of the transaction for review. We reserve the right to issue or deny refunds at our sole discretion.
In the event of a data breach involving your personal information, Chief Investment Properties will notify affected users within the required timeframe in accordance with applicable state and federal laws. This includes providing timely notice of the nature of the breach, the type of data affected, and steps we are taking to mitigate further risk.
You agree not to use our services in violation of U.S. export control laws, sanctions, or embargo restrictions administered by the U.S. Department of Commerce, Treasury, or other relevant authorities. We reserve the right to terminate or restrict access for any user flagged under federal export or sanctions programs.
You acknowledge and agree that all agreements, consents, communications, and transaction records related to your use of our services may be stored electronically and treated as originals for evidentiary, legal, and audit purposes.
Chief Investment Properties — Real Estate
Phone:
1-866-780-3892Insurance & Family Protection — Steven Spencer (Individual Capacity)
Email:
spencer4571@gmail.comPhone:
360-519-2651Washington licensed life insurance producer (license WA1373444, NPN 22317877), Experior Financial Associate. Separate from Chief Investment Properties LLC.
For questions about these Terms and Conditions, please contact us using the information above.
Back to HomeLast Updated: October 9, 2026 | Revised Version Effective Date: October 16, 2026 | Original Effective Date: January 1, 2023
Public notice of revised policy. Policy update: These Terms and Conditions now address insurance consultation requests. This revised version takes effect October 16, 2026 and applies prospectively. Our existing real estate provisions remain in effect until that date. The revised insurance-related clauses apply beginning October 16, 2026 — they are not applied retroactively.