Combine ingredients beans through cilantro, stir together.
Mix up lime juice, cumin, oil, vinegar, salt and pepper in a small bowl and pour over chopped vegetables. Stir to combine. Let chill in refrigerator and then serve with chips.
Chips: Preheat oven to 350 degrees F. Lightly spray both sides of each tortilla with cooking spray (or brush lightly with olive oil). Sprinkle both sides with salt.
Using pizza cutter or large knife, cut each tortilla into six pieces. Place on a parchment lined baking sheet and bake for 12-15 minutes (sometime even a bit longer, until the chips are nice and crispy). Makes 36 chips - can double or triple the recipe, just use another baking sheet so tortillas don't touch while baking.