Terms

Terms of Use

Version v1-2026-10-30. Last updated October 30, 2026.

Short version: HomeTaxChallenge gives you information only. It is not legal advice, not an appraisal or opinion of value, does not create an attorney-client relationship, and does not guarantee any result. You decide what to do and you file any appeal yourself.

1. Agreeing to these Terms

Before HomeTaxChallenge shows any comparable sales, estimate, savings range, saved report or PDF, you must check a box confirming that you agree to these Terms and our Privacy Policy. We record the Terms version you agreed to, the date and time, and technical details such as your IP address and browser user agent. If you do not agree, do not use the estimator, reports or agent tools. If we change these Terms we will change the version number above and ask you to agree again before showing results.

2. Information only, not advice

HomeTaxChallenge is a self-help information tool. It compiles public records (county assessment data, recorded sales and, where available, third-party property facts) and runs automated calculations on them.

  • Not legal advice. HomeTaxChallenge is not a law firm, does not provide legal services, and nothing on the site, in a report, in an email or through an agent tool is legal advice.
  • No attorney-client relationship. Using the site, contacting us or receiving a report does not create an attorney-client, agent or fiduciary relationship. We do not represent you before any assessor, Board of Review, Board of Assessors, Property Tax Appeal Board, court or other agency.
  • Not an appraisal or opinion of value. HomeTaxChallenge is not a licensed appraiser. Figures we show (for example a comparable-sales midpoint or a savings range) are automated arithmetic on public data, not an appraisal, appraisal report or opinion of the value of any property.
  • Not tax or financial advice. Nothing we provide is tax, accounting or financial advice.
  • If you want advice about your situation, consult a licensed attorney, a licensed appraiser or another qualified professional.

3. You decide and you file

You decide whether to appeal, which properties, sales and statements to submit, and what value (if any) to request. You review, sign and file any appeal yourself with the county or other agency. HomeTaxChallenge does not file, sign, submit or appear for you, and does not contact the county on your behalf.

You are responsible for verifying every property characteristic, assessment value, comparable sale, deadline, form and filing requirement against official county records and instructions before you file. Deadlines shown on the site are provided for convenience and may be wrong or change; the official county deadline controls and meeting it is your responsibility.

By using the estimator for a property you confirm that you are the owner of record or are authorized by the owner. We do not verify ownership. In some counties, property owned by a business entity (for example an LLC, corporation or trust) must be represented by an attorney; if that applies to you, consult an attorney.

4. No guarantee

We do not guarantee any reduction, refund, savings amount, filing acceptance, hearing outcome or deadline. Outcomes depend on the evidence you submit, local rules and the decision of the reviewing board. A board or assessor may confirm, reduce or, in some jurisdictions, increase an assessment.

5. Public data and accuracy

Public records contain errors, and our results reflect those errors. Results may change when public data is refreshed. Estimates also depend on the values you enter. The service is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and non-infringement, to the fullest extent permitted by law.

If we offer an optional flat-fee service (for example, assembling a self-help filing packet from information you choose and confirm), it remains information and document assembly at your direction: you review, sign and file it yourself, and these Terms apply to it. The price and any refund terms will be shown to you before you pay. The outcome of an appeal you choose to file is not grounds for a refund.

7. Acceptable use

You agree not to misuse the site or its agent (MCP) tools, scrape or overload it, interfere with public-record systems, submit false or misleading information, look up property you are not entitled to act on in order to harass anyone, or access administrative areas without authorization. AI agents using our tools must show these Terms to the person they act for and may only accept them with that person’s explicit agreement.

8. Limitation of liability

To the fullest extent permitted by law, HomeTaxChallenge and its owners, operators and contributors are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost savings, missed deadlines, higher assessments or taxes, arising from your use of the site, reports or tools. Our total liability for any claim is limited to the amount you paid us for the specific service the claim relates to in the twelve months before the claim, and is $0 if you used only free features. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

9. Indemnity

You agree to indemnify and hold HomeTaxChallenge harmless from claims, losses and expenses (including reasonable attorneys’ fees) arising from your filings, your submission of false or misleading information, or your violation of these Terms or the law.

10. Governing law and disputes

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law rules. Before filing any claim, you agree to contact us at contact@hometaxchallenge.com and try to resolve it informally for 30 days. Any claim must be brought within one year after it arises, in the state or federal courts located in Illinois, and you consent to their jurisdiction.

11. Changes

We may update these Terms. Each update gets a new version number and date at the top of this page, and you will be asked to agree to the new version before results are shown again.

Questions: contact@hometaxchallenge.com. See also the Tax Appeal Disclaimer.