Terms of Service

These Terms of Service ("Terms") are a legal agreement between you and Integrated Holdings LLC, a Connecticut limited liability company doing business as Fairmark ("Fairmark," "we," "us," or "our"), with a principal place of business at South Windsor, Connecticut. By using fairmark.us (the "Site"), creating an account, or purchasing any of our services (collectively, the "Services"), you agree to these Terms.

Please read Sections 13 (Limitation of Liability) and 15 (Dispute Resolution — Binding Arbitration and Class-Action Waiver) carefully. They affect your legal rights.

1. Service Description

1.1 What Fairmark does. Fairmark is a property-tax grievance service. For a single residential property, for the current assessment cycle, we prepare and file Form RP-524 (Complaint on Real Property Assessment) with the homeowner's local Board of Assessment Review ("BAR") as the homeowner's authorized non-attorney representative. You sign one document — a Letter of Authorization that designates Fairmark as your representative. Using that authorization, we prepare, sign as your designated representative, and file the RP-524 and a comparable-sales evidence packet on your behalf. We file on the written record; we do not represent you at an in-person BAR hearing. If your BAR requires a personal appearance, we will notify you so you can attend.

1.2 Statutory authority for non-attorney services. Our preparation and filing services are explicitly authorized under Real Property Tax Law §524(3), which permits property owners to designate non-attorney representatives in writing to file a grievance complaint. We rely on the homeowner's written designation in the RP-524 packet as our authority to file. Analogous non-attorney authorization statutes apply in other states we serve; the controlling statute for your filing is recited on the authorization page you sign.

1.3 What is included.

• (a) Eligibility pre-screen based on comparable sales, assessor data, and BAR-published guidance;
• (b) Preparation of Form RP-524 (or the state-equivalent grievance form) populated with your property data, comparable-sales analysis, and a recommended assessment value;
• (c) Assembly of a comparable-sales evidence packet keyed to BAR review standards;
• (d) Written authorization page identifying Fairmark as your non-attorney representative for the BAR filing;
• (e) Filing the completed packet with your BAR — through the BAR's portal or by U.S. certified mail (via Lob);
• (f) Receiving BAR correspondence on your behalf and reporting status to you;
• (g) Notifying you of the BAR's determination.

1.4 What Fairmark does NOT do. Fairmark does not (a) provide legal advice; (b) provide tax advice; (c) prepare tax returns; (d) represent you in court; (e) handle Small Claims Assessment Review ("SCAR") petitions, Article 7 tax certiorari proceedings, or any other court-level review; (f) contest assessments on commercial, industrial, agricultural, or multi-unit (5+) properties; or (g) contest prior-year assessments outside the currently open grievance window.

1.5 If your case requires court review. If the BAR denies your grievance and pursuing the matter further requires SCAR, an Article 7 proceeding, or any other court-level review, Fairmark will close your case and you will need to engage your own attorney. Fairmark does not refer attorneys, does not receive referral fees, and is not your agent for court proceedings.

2. Fees and Charging Event

2.1 No upfront fee. Fairmark charges no upfront fee to prepare or file your grievance. We do not invoice you at signup, after preparation, or at filing. There is no per-property setup fee, no consultation fee, and no minimum.

2.2 Contingency fee — 25% of first-year tax savings. Our entire fee is 25% of your first-year property-tax savings attributable to the BAR-ordered assessment reduction. This is a one-time charge. There are no recurring fees, no renewal charges, and no second-year contingency on the same reduction.

2.3 Charging Event — what triggers the charge. The contingency fee is charged when, and only when, the BAR issues a formal written determination lowering your assessed value for the grievance year (the "Charging Event"). The Charging Event fires at the time of the BAR determination — not when your reduced tax bill arrives (which may be several months later) and not when you realize cash savings.

2.4 How "savings" is calculated.

Where (a) "Prior Assessed Value" is the assessed value on the tentative roll that we appealed from; (b) "New Assessed Value" is the value in the BAR's formal written determination; and (c) "Effective Tax Rate" is your municipality's combined effective tax rate (county + town/city + school + special districts) as published for the grievance year. Our fee is 25% of that one-year savings figure, capped at the one-year savings amount itself (i.e., we never charge for years beyond year one of the reduction).

2.5 Card on file via Stripe SetupIntent. At signup we collect a payment method using Stripe's SetupIntent flow. $0 is charged at that time. Your card is tokenized by Stripe and stored on file. When the Charging Event occurs, we charge the saved payment method off-session, in accordance with Stripe's merchant terms and the off-session merchant-initiated transaction (MIT) authorization that you confirm at SetupIntent confirmation. By confirming the SetupIntent at signup, you authorize Fairmark to charge the saved payment method, off-session, in the amount of 25% of your first-year tax savings, when and only when the Charging Event occurs.

2.6 If no Charging Event fires, you pay nothing. Specifically:

• (a) If the BAR does not lower your assessed value → $0 charged.
• (b) If the BAR raises your assessed value → $0 charged, and we re-file year 2 at no charge under the Re-File Guarantee (Section 5).
• (c) If the BAR procedurally rejects the filing (e.g., missing exhibit, wrong form version) without ruling on the merits → $0 charged, and we re-file year 2 at no charge under the Re-File Guarantee (Section 5).
• (d) If the BAR fails to issue any determination → $0 charged, subject to the no-response timing carve-outs in Section 5.

2.7 Pre-filing cancellation. You may cancel at any time before we file your grievance with the BAR by emailing team@fairmark.us. Because no fee is charged before filing, cancellation results in $0 owed and removal of the payment method on file.

2.8 Charge timing and reconciliation. The charge is initiated within 5 business days of the BAR's written determination reaching us. We will email you (a) the BAR's determination, (b) the savings calculation, (c) the resulting fee amount, and (d) the date the charge will fire, at least 48 hours before the charge is initiated. If you believe the savings calculation is wrong, you may dispute it within that 48-hour window — see Section 5.4 below.

3. Eligibility

3.1 Eligibility. You are eligible if (a) you are the property owner of record or the owner's authorized signer, (b) the property is a 1-4 unit residential property, (c) the property is in a jurisdiction we serve, (d) the grievance window for that jurisdiction is open, and (e) our pre-screen identifies a potential overassessment.

3.2 Representations at signup. By signing up, you represent that (a) you are the lawful owner or legally authorized signer, (b) the property and parcel data you submit are accurate, (c) you have not filed a competing grievance for the same property and assessment year, and (d) you will not obstruct or contradict our filing once commenced.

3.3 Not a law firm. Fairmark is not a law firm. No attorney-client relationship is created by your use of the Services. See the disclosure in the preamble above.

4. Your Account and Authorization

4.1 Account. You provide an email address at signup. We create an account tied to that email. You are responsible for keeping the email address current and the login link secure.

4.2 Written authorization (RP-524 §3). To file the grievance, you must sign the written-authorization page of Form RP-524 (or the state-equivalent form) delivered to your email via SignWell. The authorization identifies you as the property owner, identifies the property and parcel ID, names Integrated Holdings LLC d/b/a Fairmark as your non-attorney representative pursuant to RPTL §524(3), and limits authority to the current grievance cycle. The signed authorization is incorporated by reference into these Terms.

4.3 Revocation. You may revoke the authorization at any time by emailing team@fairmark.us. Revocation is effective when we receive it. Revocation after we have already filed does not unfile the grievance; you must separately contact your BAR to withdraw.

4.4 Retention. We retain signed authorizations for seven (7) years from the date of signature, consistent with audit and tax-record retention norms. You may request a copy at any time by emailing team@fairmark.us.

5. Named Guarantees

We back our service with the following named guarantees. Each is a contractual commitment from Fairmark to you.

5.1 Filing Guarantee

If we fail to file your grievance with the BAR before the grievance-window deadline for your jurisdiction — 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 in addition pay a $100 service credit per occurrence.

5.2 Accuracy Guarantee

If we make an error in preparing your grievance packet that leads to a state-imposed penalty against you (e.g., a frivolous-filing penalty under state law), 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 (see Section 9).

5.3 Re-File Guarantee

If your grievance is procedurally rejected (i.e., not denied on the merits — for example, an exhibit was missing, the form version was superseded, or a deadline technicality applied), we re-file at no charge in the next grievance cycle. No contingency fee is owed for the rejected filing.

5.4 No-Savings Guarantee

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

5.5 Billing Disputes and the 30-Day Window

If you believe the savings calculation that produced the contingency charge is wrong (for example, the effective tax rate we applied does not match your municipality's published rate, or we used the wrong prior-roll value), email team@fairmark.us with subject "Billing Dispute" within 30 days of the charge. We will (a) re-run the calculation against the BAR's written determination, (b) issue a partial or full refund if we agree with you, or (c) provide a written explanation if we disagree. If we disagree and you remain unsatisfied, your dispute rights with your card issuer and the rights set forth in Section 15 remain available to you.

5.6 Stripe invoice dispute / re-bill. If an off-session charge fails (e.g., the card on file is expired), Stripe will retry per its retry schedule, and we will additionally 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 Section 15's dispute-resolution procedures.

5.7 No other refunds. Except as expressly provided in this Section 5 (and the no-charge scenarios in Section 2.6), all fees lawfully charged are non-refundable.

6. Reserved

This section is intentionally reserved.

7. Optional Annual Monitoring

7.1 What monitoring does. If you opt into Annual Monitoring, we (a) watch your jurisdiction's next tentative-roll release, (b) compare the new assessed value to the value last established, and (c) if our pre-screen identifies a refile-worthy overassessment, automatically prepare and file a new grievance for the new cycle under the same contingency terms in Section 2. Each cycle requires a fresh written authorization from you (we email a new signing link via SignWell).

7.2 No subscription fee. Annual Monitoring has no recurring subscription charge. The only charge is the same 25% contingency on first-year tax savings when the BAR lowers an assessment in a monitored cycle.

7.3 Opt out anytime. Email team@fairmark.us with subject "Cancel monitoring," and we will stop monitoring at the end of the current cycle.

8. Our Commitments and Limits

8.1 What we commit to.

• (a) Timely filing when we have your signed authorization at least seven (7) calendar days before the BAR deadline (Filing Guarantee).
• (b) Commercially reasonable care in preparing your packet (Accuracy Guarantee).
• (c) No surprise charges. We charge only at the Charging Event defined in Section 2, in the amount calculated under Section 2.4, after the 48-hour notice in Section 2.8.
• (d) Written status updates at filing, during BAR review, and at determination.

8.2 What we do not commit to.

• (a) Specific outcomes. BAR outcomes depend on factors outside our control. We cannot and do not guarantee a specific reduction.
• (b) Data accuracy. We rely on public-record assessor data, third-party comparable-sales data, and the values you provide. Estimated savings shown before BAR determination are estimates only.
• (c) Court representation. We never represent you in court. If a court proceeding becomes necessary, see Section 1.5.

9. Your Responsibilities

9.1 Accurate information. You represent that all information you provide (property address, parcel ID, name, email, ownership status, prior-roll value if you supply it) is accurate.

9.2 Cooperation. You agree to (a) respond within 5 business days to any written request from us for supporting information, (b) forward any BAR correspondence you receive to team@fairmark.us within 5 business days, and (c) not contact the BAR separately about the same grievance without first notifying us.

9.3 Authority. You represent that you have authority to sign the RP-524 authorization page on behalf of all owners of record.

9.4 No duplicate filing. You agree not to file a competing grievance for the same property and assessment year.

9.5 Keep payment method current. If your saved payment method expires or is canceled before the Charging Event, you agree to update it promptly when notified. This obligation survives until the Charging Event resolves (charge collected, charge waived, or claim cycle closed).

10. Intellectual Property

10.1 Fairmark content. The Site, its design, text, graphics, logos, software, and all content other than your own submissions and the BAR/county materials are owned by Integrated Holdings LLC and protected by copyright, trademark, and other laws.

10.2 Your content. You retain ownership of the property information and personal data you submit. You grant Fairmark a non-exclusive, royalty-free license to use it solely to provide the Services to you and for aggregated, anonymized benchmarks.

10.3 Filings. The packets we deliver are for your personal use in connection with your property; you may not resell them.

11. Privacy

Our collection and use of your information is governed by our Privacy Policy, which is incorporated by reference into these Terms.

12. Disclaimers

12.1 No legal or tax advice. Fairmark is not a law firm, is not your attorney, and is not a certified public accountant. Nothing we say, deliver, or file is legal or tax advice. For legal or tax advice, consult a licensed professional in your jurisdiction.

12.2 Except for the express guarantees in Section 5, the Services are provided "as is" and "as available," without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability, to the fullest extent permitted by law.

12.3 Third-party data. Comparable-sales data, AVM estimates, and street-level images come from third parties. We do not independently appraise your property.

13. Limitation of Liability

13.1 To the fullest extent permitted by law, Fairmark's aggregate liability to you for all claims arising out of or relating to these Terms or the Services is limited to the greater of (a) the contingency fee charged to you in the 12 months before the claim arose, or (b) one hundred U.S. dollars ($100).

13.2 Fairmark is not liable for indirect, incidental, special, consequential, or punitive damages; lost profits; lost data; or loss of anticipated tax savings.

13.3 Exceptions. Nothing in this Section 13 limits (a) our liability for gross negligence, willful misconduct, or fraud; (b) your rights under state consumer-protection statutes that cannot be waived; or (c) our obligations under the named guarantees in Section 5.

14. Indemnification

You agree to indemnify, defend, and hold harmless Integrated Holdings LLC (d/b/a Fairmark), its officers, members, employees, and agents from and against any claim arising out of (a) your breach of these Terms, (b) inaccurate or fraudulent information you submit, (c) your violation of any law or the rights of any third party, or (d) your filing-related instructions to us.

15. Dispute Resolution — Informal Resolution, Binding Arbitration, and Class-Action Waiver

15.1 Informal resolution first. Email team@fairmark.us with subject "Dispute Notice"; we respond within 30 days. If unresolved within 60 days, either party may proceed to arbitration.

15.2 Binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, in the federal judicial district of your residence (or by telephone/video at your election).

15.3 Class-action waiver. Claims must be brought only in an individual capacity, not as part of a class, collective, consolidated, or representative action.

15.4 30-day opt-out. Email team@fairmark.us with subject "Arbitration Opt-Out" within 30 days of signup, including your name, email, and account ID.

15.5 Small-claims and IP carve-outs. Either party may bring an individual small-claims action within its jurisdictional limit, or seek injunctive relief in court for IP claims.

16. Governing Law and Venue

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles, except that (a) the Federal Arbitration Act governs Section 15, and (b) nothing waives mandatory consumer-protection laws of your home state. Non-arbitrable matters are subject to the exclusive jurisdiction of state and federal courts in Delaware.

17. Communications and Notices

17.1 Email is sufficient. You consent to receive all notices, disclosures, and communications from Fairmark electronically at the email address associated with your account.

17.2 Our address. Notices to Fairmark must be emailed to team@fairmark.us and mailed to: Integrated Holdings LLC, d/b/a Fairmark, South Windsor, CT.

18. Termination

18.1 By you. Email team@fairmark.us. Termination after we have filed does not unfile the grievance. Termination does not extinguish a Charging Event that has already fired.

18.2 By us. We may suspend or terminate for breach, suspected fraud, or government order.

19. General

Severability. If any provision is held invalid, the remainder remains in force. No waiver. Failure to enforce is not a waiver. Assignment. You may not assign without our consent; we may assign to an affiliate or successor. Force majeure. We are not liable for delays caused by events outside our reasonable control. Entire agreement. These Terms, the Privacy Policy, and your signed authorization are the entire agreement.

Contact.
Integrated Holdings LLC, d/b/a Fairmark
South Windsor, CT
team@fairmark.us

Transparency note: Fairmark is a property-tax grievance consulting service, not a law firm. These Terms were prepared in good faith using plain-English drafting conventions. They are not a substitute for review by a licensed attorney. Where anything in these Terms conflicts with a non-waivable consumer-protection right under your state's law, your state's law controls.