[Burner]

Could someone please comment has to why my contact seems to be towards the toe when I am chipping. Thanks.

Probably because you are standing closer to the ball than you would if you were making a full shot with the same club.

This steepens the angle of the club shaft and lowers the toe of the club face.

It is not a bad "problem" to have and toe down chipping is deliberately used where there is a possibility of the heel of the club snagging the turf.