Terms of Service and Disclaimer

Accuracy of Information. You represent and warrant that:

• All information you provide through the Website or Services, including in any forms, inquiries, or communications, is and will remain true, accurate, current, and complete; and
• You have full authority to provide such information and, where applicable, to act with respect to any property, claim, or other matter in connection with such information.

General Conduct. You agree that you will use the Website and Services only for lawful purposes and in accordance with these Terms, and that you will not:

• Use the Website or Services in any manner that violates any Applicable Law or the rights of any third party;
• Interfere with or disrupt the operation of the Website or Services or the servers or networks used to make the Website or Services available;
• Engage in any conduct that could damage, disable, overburden, or impair the Website or Services.

Prohibited Activities. Without limiting the generality of the foregoing, you agree that you will not:

• Use any automated system, software, or device (including robots, spiders, crawlers, data mining tools, or scrapers) to access, copy, monitor, or collect information from the Website or Services for any purpose, or to circumvent, disable, or otherwise interfere with any security-related features or access controls;
• Distribute, modify, adapt, translate, reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code for any part of the Website or Services, except as expressly permitted in these Terms;
• Use the Website or Services to send, post, or transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation, including using any information obtained from the Website to send unsolicited communications;
• Use the Website or Services for any fraudulent, unlawful, or harmful purpose, or to solicit any activity that is fraudulent, unlawful, or harmful;
• Introduce to the Website or Services any viruses, worms, Trojan horses, logic bombs, or other malicious or harmful code, or otherwise attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Website, Services, or any server, network, or database connected to the Website;
• Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity;
• Access or attempt to access any accounts, information, data, or systems without authorization, or attempt to probe, scan, or test the vulnerability of any system or network related to the Website or Services;
• Use the Website or Services to harass, threaten, defame, or otherwise infringe or violate the rights of any other party.

Consequences of Misuse. We reserve the right, in our sole discretion and without prior notice, to:

• Refuse service to any user;
• Suspend or terminate your access to the Website or Services;
• Remove or block any Content that we believe, in our sole discretion, violates these Terms or Applicable Law; and
• Pursue any legal or equitable remedies available to us for any violation of these Terms or Applicable Law.

User Content Defined. To the extent the Website permits you to submit, upload, post, transmit, or otherwise make available any information, data, text, images, or other materials ("Your Content"), this Section governs such activity.

License to Website Operator. By submitting, uploading, or otherwise providing Your Content through the Website or Services, you grant to the Website Operator a non-exclusive, worldwide, royalty-free, fully paid, transferable, sublicensable, perpetual and irrevocable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, display, and perform Your Content, in any form, medium, or technology now known or later developed, solely for the purposes of:

• Providing and improving the Website and Services;
• Communicating with you; and
• Complying with legal and regulatory obligations.

Representations and Warranties Regarding User Content. You represent and warrant that:

• You own or otherwise have all necessary rights, licenses, consents, and permissions to grant the license set forth in this Section;
• Your Content does not and will not infringe, misappropriate, or violate any intellectual property rights, privacy rights, publicity rights, or other rights of any third party;
• Your Content does not and will not contain any defamatory, obscene, offensive, hateful, or otherwise unlawful or inappropriate material; and
• Your Content complies with all Applicable Laws and these Terms.

No Obligation to Monitor. We have no obligation to pre-screen, monitor, review, or edit Your Content or any other user content. However, we reserve the right, in our sole discretion and without notice, to:

• Remove, block, or refuse to display any of Your Content that we consider to be in violation of these Terms or Applicable Law; and
• Cooperate with law enforcement and other authorities in investigating alleged or actual violations.

Third-Party Links. The Website may contain links to third-party websites or resources that are not owned or controlled by the Website Operator. These links are provided solely for your convenience and informational purposes.

No Endorsement. The inclusion of any third-party links, content, or services on the Website does not constitute or imply any endorsement, sponsorship, or recommendation by the Website Operator of such third-party websites, content, products, or services

Independent Terms and Policies. Third-party websites and services are governed by their own terms of use, privacy policies, and other policies. You are solely responsible for reviewing and complying with such terms and policies. We are not responsible or liable for:

• The availability, accuracy, legality, or appropriateness of any third-party websites or services; or
• Any third-party content, advertising, products, services, or other materials on or available from such websites or services.

Use at Your Own Risk. You access and use third-party websites, content, and services at your own risk. We will not be liable for any loss or damage of any kind arising out of or relating to your use of any third-party websites or services.

Separate Services Agreements. Any professional or fee-based services (including property-tax appeal services or other consulting or professional services) are provided, if at all, pursuant to a separate written agreement between you and the Website Operator or an affiliated professional entity (each, a "Services Agreement"). The terms of any such Services Agreement will govern the scope, nature, and pricing of the services provided.

No Services Without Written Agreement. Services are not rendered to you until and unless:

• A written Services Agreement has been fully executed by you and the Website Operator or an affiliated professional entity; and
• All required on-boarding procedures and authorizations have been completed to our satisfaction.

Timing of Payments. Unless otherwise expressly provided in a Services Agreement:

• Payments are typically accepted after services are provided or as otherwise specified in the applicable Services Agreement; and
• Payment terms, including any retainers, contingency fees, or other fee arrangements, will be set forth in the applicable Services Agreement.

Refunds. Unless otherwise provided in a Services Agreement:

• Refunds, if any, are limited to cases of overpayment or as otherwise required by Applicable Law;
• We do not provide refunds for amounts properly earned and billed for services rendered; and
• Any request for a refund must be made in writing and will be evaluated in our sole discretion.

Third-Party Payment Processors.

• We may use third-party payment processors to process payments on our behalf. Your payment information may be collected and processed directly by such third-party processors and will be subject to their terms and privacy policies.
• We do not store complete credit card numbers or payment card security codes on our systems. However, we may receive and retain limited transaction information for recordkeeping, compliance, and accounting purposes.
• By providing payment information, you authorize us and any applicable third-party payment processor to charge the amounts indicated in accordance with the applicable Services Agreement and these Terms.

Consent to Communications. By submitting your contact information through the Website or otherwise providing us with your email address, telephone number, or other contact details, you expressly consent to receive communications from us, including:

• Emails regarding your inquiries, potential or existing services, and updates relating to the Website or Services;
• Telephone calls, including calls using any reasonable method, for purposes of responding to your inquiries, discussing services, or for quality assurance; and
• Text or SMS messages, if you expressly opt in to receive such messages, for similar purposes.

Message Frequency and Charges. Message frequency may vary. Message and data rates may apply to SMS or other mobile communications, depending on your mobile carrier plan. You are solely responsible for any such charges.

Opt-Out Rights.

• You may opt out of receiving marketing emails by following the unsubscribe instructions included in such emails or by contacting us using the contact information provided at the end of these Terms.
• You may opt out of receiving SMS messages by following the instructions provided in such messages (for example, replying "STOP" to an SMS), or as otherwise indicated.
• Even if you opt out of certain communications, we may continue to send you non-marketing communications relating to your account, any Services Agreement, or other administrative or transactional matters.

Call Recording. You acknowledge and agree that, subject to Applicable Law, calls with us or our representatives may be monitored or recorded for quality assurance, training, compliance, and dispute-resolution purposes.

Compliance With Laws. We endeavor to comply with all Applicable Laws regarding electronic communications, including laws governing telemarketing, spam, and consent (such as applicable federal and state laws and regulations). Your consent described in this Section is intended to satisfy any requirements of consent under such laws to the extent applicable.

Privacy Practices. We may collect, use, store, and disclose information about you in connection with your access to and use of the Website and Services. Such practices are described in one or more separate privacy notices, privacy policies, or similar documents (collectively, the "Privacy Policy"), which are incorporated into these Terms by this reference.

Categories of Information. Without limiting the Privacy Policy, information we may collect includes, but is not limited to:

• Personal information such as your name, physical address, telephone number(s), email address, and Internet Protocol (IP) address;
• Information relating to your device(s), browser(s), and settings; and
• Usage data, including referring domains, pages viewed, access times, clickstream data, and similar usage information.

Cookies and Similar Technologies. We may use cookies, web beacons, pixels, and other tracking technologies to:

• Facilitate your access to and use of the Website and Services;
• Analyze usage patterns and improve performance and user experience; and
• Support marketing and advertising activities, where permitted by Applicable Law.

Third-Party Analytics and Advertising. We may use third-party analytics providers and, where permitted, advertising partners that may set cookies or similar technologies on your device when you visit the Website. Such third parties may collect or receive information about your use of the Website and other websites or online services over time, and use such information for analytics, marketing, or advertising purposes subject to their own privacy policies.

Data Sharing. Except as necessary to provide services, process payments, operate the Website, comply with legal obligations, or as otherwise described in the Privacy Policy, we do not share your personal information with unrelated third parties without your consent.

Your Choices. Depending on your jurisdiction and Applicable Law, you may have certain rights and choices with respect to your personal information, including:

• The right to access, update, or correct certain information;
• The right to opt out of certain data collection or use, including for marketing; and
• The right to manage cookie preferences (for example, through browser settings).

International Data Transfers. If you access the Website from outside the United States, you acknowledge and agree that information you provide may be transferred to, stored in, and processed in the United States or other jurisdictions, which may have data protection laws that are different from those in your jurisdiction.

As-Is and As-Available Basis. The Website, Services, and all Content are provided on an "as is" and "as available" basis, with all faults and without warranty of any kind. To the maximum extent permitted by Applicable Law:

• The Website Operator disclaims all warranties, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade; and
• No advice or information, whether oral or written, obtained by you from the Website Operator or through the Website or Services shall create any warranty not expressly stated in these Terms.

No Warranty as to Accuracy or Completeness. Without limiting the foregoing, the Website Operator does not warrant or represent that:

• The Website, Services, or Content will be accurate, complete, reliable, current, or error-free;
• Defects or errors will be corrected; or
• The Website, Services, or the servers that make them available are free of viruses, malware, or other harmful components.

No Professional or Outcome-Based Warranty. You acknowledge and agree that:

• The Website Operator does not guarantee any specific results or outcomes from your use of the Website, Services, or Content, including any results from property-tax appeals or other services;
• Any references to previous or potential savings, reductions, or favorable outcomes are illustrative only and are not guarantees or promises of any future results; and
• You remain solely responsible for your own decisions and actions and for obtaining independent professional advice appropriate to your circumstances.

Jurisdictional Limitations. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain types of damages. Accordingly, some of the above limitations and disclaimers may not apply to you, and you may have additional rights under Applicable Law. In such cases, the Website Operators liability shall be limited to the fullest extent permitted by Applicable Law.

Exclusion of Certain Damages. To the maximum extent permitted by Applicable Law, in no event shall the Website Operator or its Affiliates, officers, directors, employees, agents, licensors, or service providers be liable to you or any third party for any:

• Indirect, incidental, consequential, special, punitive, or exemplary damages;
• Loss of profits, revenue, goodwill, data, business opportunities, or anticipated savings; or
• Damages for business interruption or for the cost of substitute products or services;

arising out of or in connection with these Terms, the Website, the Services, or your access to or use of (or inability to access or use) any of the foregoing, whether based on contract, tort (including negligence), strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

Monetary Cap. To the fullest extent permitted by Applicable Law, in jurisdictions where the exclusion of certain damages is not permitted, our total aggregate liability to you for all claims arising out of or related to these Terms, the Website, the Services, or your use of or inability to use any of the foregoing, shall be limited to:

• The total amount, if any, paid by you directly to the Website Operator for the specific services giving rise to the claim during the twelve (12) month period immediately preceding the event first giving rise to the claim; or
• If no such payments were made, a nominal amount not to exceed one hundred dollars ($100) in the aggregate.

Allocation of Risk. The limitations and exclusions of liability set forth in this Section are fundamental elements of the basis of the bargain between you and the Website Operator. You acknowledge that the Website and Services are offered in reliance upon such limitations, and that such limitations shall apply notwithstanding any failure of essential purpose of any limited remedy.

Exceptions. Nothing in these Terms shall limit or exclude any liability that cannot be limited or excluded under Applicable Law, including liability for:

• Death or personal injury caused by gross negligence or willful misconduct;
• Fraud or fraudulent misrepresentation; or
• Any other matter for which it would be unlawful to limit or exclude liability.

Indemnity Obligation. You agree to indemnify, defend, and hold harmless the Website Operator and its Affiliates, and each of their respective officers, directors, members, partners, employees, agents, contractors, licensors, successors, and assigns (collectively, the "Indemnified Parties") from and against any and all claims, demands, actions, proceedings, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees and court costs) arising out of or relating to:

• Your access to or use of the Website, Services, or Content;
• Your violation of these Terms or any Applicable Law;
• Your infringement, misappropriation, or violation of any third-party rights, including but not limited to any intellectual property, privacy, or publicity rights; or
• Any dispute or issue between you and any third party.

Defense and Control. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter for which you are obligated to indemnify any Indemnified Party, and you agree to cooperate fully with our defense of such claims. You shall not settle any claim for which you are providing indemnification without our prior written consent, which shall not be unreasonably withheld or delayed.

Survival. Your indemnity obligations under this Section shall survive any termination of these Terms and your use of the Website or Services.

Governing Law. These Terms and any Dispute arising out of or relating to these Terms, the Website, or the Services shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict-of-law principles or rules that would result in the application of the laws of any other jurisdiction.

Venue. Subject to the arbitration provisions below, you agree that any action or proceeding arising out of or relating to these Terms, the Website, or the Services shall be brought exclusively in the state or federal courts located in Cook County, Illinois. You consent to the personal jurisdiction of such courts and waive any objection based on inconvenient forum or lack of personal jurisdiction.

Arbitration. To the maximum extent permitted by Applicable Law:

• Any Dispute between you and the Website Operator (or any of its Affiliates) arising out of or relating to these Terms, the Website, or the Services, that cannot be resolved informally, shall be resolved by binding arbitration administered by a recognized arbitration provider selected by the Website Operator (or as otherwise required by Applicable Law or the Website Operators policies), under its applicable rules then in effect;
• The arbitration shall be conducted in Cook County, Illinois, unless the parties mutually agree to another location or to a remote/virtual format;
• The arbitration shall be conducted by a single arbitrator with appropriate experience in commercial and technology-related disputes; and
• The arbitrator's award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

className Action Waiver. To the fullest extent permitted by Applicable Law, you and the Website Operator agree that:

• Any arbitration or proceeding shall be conducted only on an individual basis and not in a className, consolidated, collective, or representative action;
• Neither you nor the Website Operator shall participate in a className or representative action or proceeding as a className member or className representative; and
• The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or className proceeding.

Injunctive Relief. Notwithstanding any other provision of these Terms, you acknowledge and agree that any actual or threatened breach of Sections relating to intellectual property, confidentiality (if applicable), or prohibited conduct may cause immediate and irreparable harm to the Website Operator for which monetary damages would be an inadequate remedy. Accordingly, the Website Operator shall be entitled to seek immediate injunctive relief, specific performance, or other equitable relief in any competent court, without the necessity of posting bond, in addition to any other remedies available at law or in equity.

Time Limit to Bring Claims. To the maximum extent permitted by Applicable Law, any claim or cause of action arising out of or relating to these Terms, the Website, or the Services must be filed within one (1) year after such claim or cause of action arose, or it shall be forever barred.

Governing Law. You may cease using the Website or Services at any time. If you have an account, you may request that your account be closed, subject to our rights and obligations under any applicable Services Agreement and Applicable Law.

Termination or Suspension by Website Operator. We may, at any time and in our sole discretion, with or without notice, suspend, restrict, or terminate your access to the Website or Services, in whole or in part, including by:

• Disabling your account or login credentials, if any;
• Blocking your IP address or other technical means of access;
• Removing or disabling access to any of Your Content.

Such action may be taken for any reason or no reason, including for any actual or suspected violation of these Terms or Applicable Law.

Effect of Termination. Upon any termination of these Terms or your access to the Website or Services:

• All rights and licenses granted to you under these Terms shall immediately terminate;
• You shall immediately cease all use of the Website, Services, and Content; and
• Any provisions that, by their nature, should reasonably survive termination shall survive, including without limitation provisions concerning intellectual property ownership, disclaimers of warranties, limitations of liability, indemnification, governing law and dispute resolution, and miscellaneous terms.

No Liability for Termination. To the maximum extent permitted by Applicable Law, we shall not be liable to you or any third party for any suspension, restriction, or termination of your access to the Website or Services.

Assignment by Website Operator. The Website Operator may assign, transfer, delegate, or subcontract any or all of its rights or obligations under these Terms, in whole or in part, at any time, without your consent, including in connection with any merger, acquisition, corporate reorganization, sale of assets, or other business transaction

No Assignment by You. You may not assign, transfer, delegate, or subcontract any of your rights or obligations under these Terms, whether by operation of law or otherwise, without the prior written consent of the Website Operator. Any attempted assignment or transfer in violation of this Section shall be null and void.

Binding Effect. Subject to the foregoing, these Terms shall be binding upon and inure to the benefit of the parties and their respective permitted successors and assigns.

Force Majeure Events. The Website Operator shall not be liable for any delay or failure to perform any obligation under these Terms (other than payment obligations, if any) to the extent such delay or failure is caused by events beyond its reasonable control, including but not limited to:

• Acts of God, natural disasters, or severe weather;
• War, terrorism, civil unrest, or other acts of violence;
• Labor disputes or strikes;
• Power outages, telecommunications failures, or Internet disruptions;
• Epidemics, pandemics, or public health emergencies;
• Acts of governmental authorities or changes in laws or regulations.

Notice and Mitigation. In the event of a force majeure, the Website Operator will use commercially reasonable efforts to:

• Provide notice of the force majeure event; and
• Resume performance as soon as reasonably practicable once the force majeure event has been removed or mitigated.

Entire Agreement.These Terms, together with any Privacy Policy and any additional terms and conditions that may apply to specific portions of the Website or to particular Services (including any separate Services Agreements), constitute the entire agreement between you and the Website Operator with respect to the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, negotiations, representations, and warranties, both written and oral, with respect to such subject matter.

Order of Precedence. In the event of any conflict or inconsistency between:

• These Terms; and
• Any separate written Services Agreement or other written agreement executed by you and the Website Operator (or an Affiliate),

the terms of such separate executed agreement shall control with respect to the subject matter of that agreement, and these Terms shall control with respect to all other matters relating to the Website and Services.

Amendments. Except as otherwise expressly provided herein with respect to unilateral modifications by the Website Operator, no amendment or modification of these Terms shall be binding unless in writing and signed by an authorized representative of the Website Operator.

No Waiver. No failure or delay by the Website Operator in exercising any right, power, or remedy under these Terms shall operate as a waiver of such right, power, or remedy, nor shall any single or partial exercise of any such right, power, or remedy preclude any other or further exercise of such right, power, or remedy or the exercise of any other right, power, or remedy. Any waiver of any provision of these Terms shall be effective only if in writing and signed by an authorized representative of the Website Operator.

Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable in any respect under Applicable Law, such provision shall be enforced to the maximum extent permissible, and the remaining provisions of these Terms shall remain in full force and effect. To the extent practicable, any invalid, illegal, or unenforceable provision shall be deemed modified so as to effect the original intent of the parties as closely as possible in a valid, legal, and enforceable manner.

Independent Parties. Nothing in these Terms shall be construed as creating any partnership, joint venture, franchise, agency, fiduciary, or employment relationship between you and the Website Operator. You have no authority to bind the Website Operator in any manner, and you agree not to represent otherwise.

No Third-Party Beneficiaries. Except as expressly provided in these Terms with respect to the Indemnified Parties, there are no intended third-party beneficiaries of these Terms, and no third party shall have any right to enforce any term of these Terms.

Notices to You. We may provide notices to you under these Terms by:

• Posting such notices on the Website;
• Sending an email to the email address you provide to us;
• Sending a written notice to the physical address you provide to us; or
• Any other method reasonably calculated to provide you with actual notice.

You agree that any such notice will be deemed effective on the earliest date on which it is posted or transmitted by us, except where Applicable Law requires actual receipt.

Notices to Website Operator. Unless otherwise specified in these Terms or a Services Agreement, notices to the Website Operator under these Terms must be:

• In writing;
• Addressed to the Website Operator at its principal place of business or other notice address specified on the Website or in any separate Services Agreement; and
• Delivered by personal delivery, certified or registered mail (return receipt requested), national or international overnight courier, or, where expressly permitted, by email to the designated email address.

Notices shall be deemed given:

• On the date of delivery, if delivered personally;
• On the date of receipt indicated on the return receipt, if sent by certified or registered mail;
• On the date of receipt confirmed by the courier, if sent by overnight courier; or
• On the date expressly confirmed in writing by the Website Operator, if sent by email where email notice is permitted.

Complaints and Disputes. If you have any questions, concerns, or complaints regarding the Website, the Services, or these Terms, you are encouraged to contact us using the contact information provided on the Website or in any applicable Services Agreement. We will use commercially reasonable efforts to address your concerns and to resolve any issues in a timely and fair manner.

Feedback. If you choose to provide any suggestions, ideas, feedback, or recommendations regarding the Website, the Services, or any related materials ("Feedback"), you acknowledge and agree that:

• The Feedback is not confidential or proprietary to you;
• The Website Operator shall be free to use, disclose, reproduce, license, or otherwise exploit the Feedback without restriction or compensation to you; and
• You hereby irrevocably assign to the Website Operator all right, title, and interest in and to the Feedback, including any intellectual property rights therein.

Contact Information. The Website may display specific contact details for the Website Operator, including mailing address, email address, and telephone number. You agree to use such contact information solely for legitimate business communications relating to the Website, the Services, or these Terms.

Professional Responsibility and Advertising Notices. To the extent that any Content or description of services on the Website is considered attorney advertising or similar professional advertising under Applicable Law:

• The Content is intended for informational purposes only and does not constitute a guarantee, warranty, or prediction regarding the outcome of any matter;
• Any testimonials or endorsements do not constitute a guarantee, warranty, or prediction regarding the outcome of any matter for any particular client; and
• Unless otherwise expressly stated, the Website Operator does not hold itself out as certified or specialized in any particular field by any professional body or authority.

State-Specific Disclosures. If Applicable Law in any jurisdiction requires specific disclosures or notices to be provided in connection with professional services, attorney advertising, or consumer rights, such disclosures may be set forth on the Website or in a separate notice or Services Agreement and are hereby incorporated into these Terms by reference.

Headings. The headings and section titles in these Terms are for convenience of reference only and shall not affect the meaning or interpretation of any provision of these Terms.

Construction. These Terms shall be construed fairly as to all parties and not in favor of or against the Website Operator or you, regardless of which party drafted any particular provision

Acknowledgment of Understanding. By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety.

Opportunity to Consult Counsel. You acknowledge that you have had the opportunity to consult with independent legal counsel of your choice before agreeing to these Terms and that you are not relying on any representations or statements by the Website Operator or any of its representatives that are not expressly set forth in these Terms.