Terms of Service

Effective date: July 5, 2026. Last updated: July 5, 2026.
Overassessed is a product of SapienCX LLC, a Virginia limited liability company. Please read these Terms carefully before using the Service.

1. Contracting entity; no personal liability

Overassessed is owned and operated by SapienCX LLC, a Virginia limited liability company. By using Overassessed, you agree that you are contracting only with SapienCX LLC and not with any individual founder, member, manager, officer, employee, contractor, affiliate, or agent.

To the maximum extent permitted by law, no founder, member, manager, officer, employee, contractor, affiliate, or agent of SapienCX LLC shall have any personal liability for any claim, loss, refund, chargeback, data issue, service interruption, reliance decision, appeal outcome, missed deadline, or other matter arising from or relating to Overassessed. SapienCX LLC's members, managers, officers, employees, contractors, affiliates, and agents are intended third-party beneficiaries of the disclaimers, limitations of liability, indemnification, and other protective provisions in these Terms.

2. What Overassessed is — and is not

Overassessed is self-help document-preparation software for homeowners. It compares your property's assessment against your county's own public records, estimates whether you may be over-assessed, and — if you purchase an appeal packet — assembles comparable-property evidence, valuation math, the details your county's petition asks for, and filing instructions for an appeal that you review, sign, and file yourself.

Overassessed is not a law firm, appraisal firm, tax-consulting firm, or agent service. We do not represent you before any appraisal review board, value adjustment board, board of review, board of taxation, board of equalization, or any other body. We do not file anything on your behalf, appear at hearings, negotiate with assessors, or charge contingency fees. No attorney-client, accountant-client, appraiser-client, consultant-client, or fiduciary relationship is created by your use of the Service.

3. Not legal, tax, financial, or appraisal advice; no reliance

All estimates, comparables, valuation math, narratives, forms, instructions, deadlines, and other content are informational document-preparation aids based on public records and automated analysis. They are not legal, tax, financial, or appraisal advice, and they are not a certified appraisal or opinion of value. You are solely responsible for reviewing your packet, verifying every figure and date against your county's official sources, and deciding whether and how to pursue an appeal. You acknowledge that you are not relying on Overassessed as the sole basis for any filing or financial decision.

4. Appeal outcomes are not guaranteed

Assessment appeals are decided by county boards and officials, not by us. We do not guarantee that your appeal will be accepted, heard, or granted; that your assessed or market value will be reduced; or that any estimated savings will be realized in whole or in part. Savings figures shown by the Service are estimates derived from public records and approximate tax rates, and actual outcomes depend on your county's decisions, exemptions, caps, millage rates, and facts specific to your property.

5. Deadlines are your responsibility

Appeal windows are short and set by your county or state, and they change from year to year. We work to display accurate filing deadlines, but published dates may change, notices may mail on different dates than expected, and counties may apply rules differently. You are solely responsible for confirming your filing deadline with your county's official source and filing on time. SapienCX LLC is not liable for any missed deadline, late filing, or lost appeal opportunity, whether or not a date displayed by the Service was inaccurate or incomplete.

6. Data sources and accuracy

Estimates are built from county assessment rolls, recorded sales, and related public records. Public records may be delayed, revised, incomplete, or inaccurate, and our copy of the roll reflects a point in time. Property characteristics (square footage, year built, use class) come from the county's records and may not match your property's actual condition. We do not warrant that the Service will identify every over-assessment, record error, exemption issue, or comparable property.

7. AI-assisted document text

The cover-letter narrative in a purchased packet is generated with the assistance of an AI language model, using only the pre-computed figures and comparables in your case file. All valuation math is performed by deterministic software, not AI. AI-assisted text may nonetheless contain errors or awkward phrasing. You must read and approve every page of your packet before signing or filing it.

8. Purchases; one-time payment; no subscription

The free assessment check requires no account and no payment. An appeal packet is a one-time purchase at the price disclosed at checkout (currently $79). It is not a subscription and does not auto-renew. Payment is processed by our payment processor (Stripe); county filing fees, if any, are separate and paid by you directly to your county. Prices may change prospectively; the price applicable to your purchase is the one disclosed at checkout.

9. Refund policy

First-time purchasers may request a refund within seven (7) days of purchase by emailing tom@phase3ai.com. This guarantee is limited to one refund per person, household, property, or payment method. After the 7-day period, payments are non-refundable except where required by law or approved by SapienCX LLC in its sole discretion. Refunds are not available for unsuccessful appeals, for county decisions, for deadlines you missed, or in cases of abuse, redistribution, suspected fraud, or chargeback misuse. We may deny refunds in such cases.

10. Case access; keep your link private

In the current version of the Service, your case page is reached through a unique, unguessable link. Anyone who has the link can view the case, so treat it like a document in your mailbox: do not post or forward it. We may add sign-in protection to case pages; if we do, access will use third-party sign-in (such as Google or Microsoft) rather than passwords.

11. Acceptable use; no scraping; no resale

You may use Overassessed only to check and appeal property you own or are authorized to act on, and only for personal, non-commercial use. You may not scrape, crawl, harvest, bulk-query, copy at scale, republish, resell, sublicense, redistribute, frame, mirror, benchmark for a competitive service, reverse engineer, overload, interfere with, or attempt unauthorized access to the Service. Packets are licensed for your own appeal only; preparing appeals for others using this Service, with or without compensation, is prohibited.

12. Intellectual property; limited license

SapienCX LLC owns or licenses all rights in Overassessed, including the website, design, text, valuation methodology, comparable-selection logic, packet templates, compilation, and software, except for third-party and public-record source materials. Subject to these Terms, you receive a limited, revocable, non-exclusive, non-transferable license to use the Service and, upon purchase, to use your packet for your own appeal. No other rights are transferred.

13. Disclaimer of warranties

Overassessed is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, SapienCX LLC disclaims all warranties, express or implied, including warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, security, error-free operation, and suitability for any particular appeal, property, or county process.

14. Limitation of liability

To the maximum extent permitted by law, SapienCX LLC and its members, managers, officers, employees, contractors, affiliates, and agents shall not be liable for indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages; lost savings; lost appeal opportunities; increased assessments or taxes; missed deadlines; lost profits; reputational harm; data loss; or losses arising from delayed, inaccurate, incomplete, unavailable, or misinterpreted data or documents.

Our total aggregate liability for all claims arising out of or related to Overassessed shall not exceed the greater of one hundred dollars ($100) or the amount you paid to SapienCX LLC for Overassessed during the twelve (12) months preceding the event giving rise to the claim. This limitation applies regardless of legal theory, even if we have been advised of the possibility of such damages.

15. User indemnification

You agree to defend, indemnify, and hold harmless SapienCX LLC and its members, managers, officers, employees, contractors, affiliates, and agents from and against any third-party claim, demand, loss, liability, damage, cost, and expense, including reasonable attorneys' fees, arising out of or related to: (a) your use or misuse of Overassessed; (b) your appeal, filings, or statements to any county or board; (c) your violation of these Terms; (d) your preparation of appeals for others; (e) your violation of law or third-party rights; or (f) information you submit to the Service.

16. Suspension; termination; survival

We may suspend or terminate access to Overassessed, with or without notice, if we believe you violated these Terms, created risk or possible legal exposure for SapienCX LLC, harmed the Service or other users, or engaged in suspected fraud, scraping, or abuse. Termination for breach does not entitle you to a refund. Sections concerning fees owed, intellectual property, disclaimers, no reliance, limitation of liability, indemnification, governing law, dispute resolution, class action waiver, and any provisions that by their nature should survive shall survive termination.

17. Force majeure; source availability

SapienCX LLC will not be liable for delay, failure, downtime, interruption, degraded performance, inaccurate output, or missing data caused by events beyond its reasonable control, including third-party provider outages, cloud or hosting failures, payment processor issues, county data-source changes, delays, or revisions, cyber incidents, natural disasters, acts of war, civil unrest, regulatory action, power failures, internet failures, or other force majeure events.

18. Governing law; venue; class action waiver

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law rules. The state and federal courts located in Virginia shall have exclusive jurisdiction over disputes arising out of or related to Overassessed or these Terms, and you consent to personal jurisdiction and venue in those courts.

To the maximum extent permitted by law, you and SapienCX LLC agree that any dispute will be brought only on an individual basis and not as a class action, collective action, representative action, private attorney general action, or consolidated proceeding.

19. Dispute resolution; arbitration

Any dispute arising out of or related to Overassessed or these Terms shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The seat of arbitration shall be Virginia. The arbitration shall proceed on an individual basis only. Either party may seek temporary or preliminary injunctive relief in court to protect intellectual property, confidential information, security, or service integrity.

You may opt out of arbitration by sending written notice to tom@phase3ai.com within thirty (30) days after your first use or purchase. Your opt-out notice must include your name, email address, and a statement that you are opting out of arbitration.

20. Geographic scope

Overassessed currently covers selected counties in Florida, with additional counties and states added over time. Coverage, data quality, deadlines, forms, and legal frameworks differ by county and state. We do not warrant coverage, accuracy, or completeness for any specific geography, and the Service may decline to produce an estimate or packet where records are insufficient.

21. Notices; assignment; entire agreement; severability

We may provide notices by in-product notice or posting on the website. You may not assign or transfer your purchase or rights under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, sale of assets, change of control, or by operation of law.

These Terms, together with any checkout disclosures and the Privacy Policy, are the entire agreement between you and SapienCX LLC regarding Overassessed and supersede prior or contemporaneous understandings on the same subject. If any provision is found unenforceable, the remaining provisions remain in full effect.

22. Changes to these Terms

We may update these Terms over time and will maintain a dated archive of each version. Material changes will be posted on this page with a new effective date before they take effect. Continued use after the effective date constitutes acceptance of the revised Terms.

23. Contact

Questions about these Terms: tom@phase3ai.com