Refund Policy

Fairmark charges no upfront fee. Our entire fee is a 25% contingency on first-year tax savings, charged only when the Board of Assessment Review ("BAR") issues a formal written determination lowering your assessed value. If the BAR does not lower your assessment, you pay nothing.

This page summarizes how refunds and billing disputes work. The binding language is in Sections 2 and 5 of the Terms of Service.

1. Pay only if you save — what that means

We charge only when the BAR issues a formal written determination lowering your assessed value (the "Charging Event").

• If the BAR does not lower your assessment → $0.
• If the BAR raises your assessment → $0, and we re-file year 2 at no charge.
• If the BAR procedurally rejects the filing → $0, and we re-file year 2 at no charge.
• If the BAR lowers your assessment → we charge 25% of your first-year tax savings, calculated as defined in Terms §2.4.

The charge fires at the time of the BAR determination, not when your reduced tax bill arrives. "Savings" for purposes of the fee is the BAR-confirmed reduction in assessed value, multiplied by your municipality's effective tax rate, for one year. See Terms §2.4 for the full formula.

2. Filing Guarantee

If we fail to file your grievance with the BAR before the grievance-window deadline — where we received your signed authorization at least seven (7) calendar days before that deadline — we refund any charges already collected and provide you with a written explanation. If a contingency charge has already fired in error before a filing failure was discovered, we reverse the charge in full and pay a $100 service credit per occurrence.

3. Accuracy Guarantee

If we make an error in preparing your grievance packet that leads to a state-imposed penalty against you, we cover the penalty in full, up to the lesser of the actual penalty or $500. The Accuracy Guarantee does not cover penalties caused by inaccurate information you provided.

4. Re-File Guarantee

If your grievance is procedurally rejected (not denied on the merits), we re-file at no charge in the next grievance cycle. No contingency fee is owed for the rejected filing.

5. No-Savings Guarantee

If the BAR's determination does not result in a reduced assessment, you pay nothing. No contingency fee is owed. We will also re-file the following grievance cycle at no charge if your property remains eligible.

6. 30-Day Billing-Dispute Window

If you believe the savings calculation that produced the contingency charge is wrong — for example, we applied the wrong effective tax rate or used the wrong prior-roll value — email team@fairmark.us with subject "Billing Dispute" within 30 days of the charge.

• We will re-run the calculation against the BAR's written determination.
• If we agree with you, we issue a partial or full refund.
• If we disagree, we provide a written explanation.
• Card-issuer dispute rights and the dispute-resolution procedures in Terms §15 remain available to you.

Refunds, when owed, are issued to the original payment method within 10 business days of our decision. Bank-side posting time varies.

7. Stripe Invoice Dispute / Re-Bill Mechanic

We collect a payment method via Stripe SetupIntent at signup ($0 charged at that time) and charge the saved method off-session when the Charging Event occurs. If the off-session charge fails (e.g., card expired):

• Stripe will retry per its standard retry schedule.
• We will email you to update the payment method.
• You authorize us to re-bill the updated method for the same Charging Event.

If the charge cannot be collected within 60 days of the Charging Event, we may pursue collection consistent with the dispute-resolution procedures in Terms §15.

8. Pre-Filing Cancellation

You may cancel at any time before we file your grievance by emailing team@fairmark.us. Because we charged nothing upfront, cancellation results in $0 owed and removal of the payment method on file.

9. State Consumer-Protection Rights

Nothing in this Policy waives your rights under state consumer-protection statutes (including, e.g., NY GBL §349 and California consumer-protection laws). If your state law gives you a broader refund right than this Policy, that state law controls.

10. How to Reach Us

Email: team@fairmark.us

Subject lines we monitor:

• "Billing Dispute"
• "Cancel before filing"
• "Cancel monitoring"

We respond to all billing-related email within 5 business days.

Drafted in good faith. Not a substitute for legal review. Binding language is in Terms §§2 and 5.