Terms of Service

1. Filing Authorization

Running a free check, viewing pricing, creating an account, or buying a DIY packet does not authorize OverTaxed IL to file an appeal for you.

OverTaxed IL does not act as your filing representative. We prepare appeal materials; you review, sign, and file them with Cook County yourself. If you buy the DIY Appeal Packet, you remain responsible for filing the appeal.

OverTaxed IL does not file, sign, prepare, handle, or represent anyone at the Cook County Board of Review. Under the Board's own rules, only a licensed attorney or the taxpayer personally may practise before it. If we ever offer anything at that stage, it would be attorney-led. Do not wait for us — confirm your own deadline with the county.

2. Relationship to Property

You represent that you are the property owner, or that you are authorized by the owner to request analysis or appeal support for the property. You agree to provide accurate information and to tell us if ownership or authorization changes.

3. Services and Fees

3.1 DIY Appeal Packet — $69 one-time. We prepare comparable-property analysis, an appeal argument draft, and filing instructions. You file the appeal yourself with Cook County.

The $69 packet is a preparation service. We prepare it; you review it, sign it, and file it with the county yourself.

3.2 County fees. Cook County currently does not charge homeowners a fee to file a residential assessment appeal. If a government fee or third-party fee applies in the future, we will disclose it before you authorize payment.

4. Payment, Invoices, and Late Payments

The flat fee is charged at checkout. OverTaxed IL does not invoice any fee that depends on what the county decides.

If you believe an invoice is incorrect, email support@overtaxed-il.com within 30 days with the reason you dispute it. We will review the calculation and provide a written response.

For unpaid invoices, we may pause non-essential services and send reminder notices. Any further payment-resolution step will be handled under applicable consumer-protection law and any separate written agreement you accepted. This section does not waive rights that cannot legally be waived.

5. County Decisions Are Final

OverTaxed IL is not a law firm and does not provide legal or tax advice. We do not guarantee a reduction. County decisions are final, and a change in assessed value does not produce an equal change in a tax bill. The Cook County Assessor makes the decision on an appeal filed at that stage.

6. Technology Platform; Not Legal or Tax Advice

OverTaxed IL is not a law firm, tax advisor, or licensed appraiser. We organize public records and appeal materials; we do not provide legal, tax, or appraisal advice. For legal, tax, valuation, ownership, exemption, or estate questions, consult a qualified professional.

7. Procedural Error Review and Refund Requests

For the $69 DIY Appeal Packet, if your filing is rejected or denied solely because of an OverTaxed IL procedural error in the materials we prepared, contact us so we can review the issue and determine whether a refund of the OverTaxed IL service fee is appropriate under these Terms.

Refund review does not apply when the county denies an appeal on the merits, when the property is not eligible, when the appeal window is closed before you provide required information or authorization, or when information you provided is inaccurate or incomplete.

To request a refund, contact support@overtaxed-il.com within 30 days of the county notice and include the notice or filing status.

8. Limitation of Liability

To the maximum extent permitted by law, OverTaxed IL is not liable for indirect, incidental, special, consequential, or punitive damages, or for decisions made by government agencies.

OverTaxed IL's total liability for a claim is limited to the amount of fees you paid to OverTaxed IL for the specific property and filing at issue, except where applicable law requires otherwise.

9. Modifications

We may update these Terms from time to time. Material changes will be posted on the site or communicated by email. Material changes to paid services may require renewed acceptance.

10. Governing Law

These Terms are governed by Illinois law, without regard to conflict-of-law rules. Nothing in these Terms limits rights you may have under consumer-protection laws that cannot be waived.

11. Contact

Questions about these Terms? Contact us at support@overtaxed-il.com.