Service Agreement

Last updated: May 22, 2026

1. AGREEMENT TO ENGAGEMENT

This Service Agreement (the "Agreement") is a legally binding agreement between you ("you" or "Customer") and Jasmine Lane, Inc., a Delaware corporation ("Jasmine Lane," "Company," "we," "us," or "our"), governing our residential property tax appeal representation services (the "Services"). By accepting this Agreement at signup (clickwrap acceptance) and signing the Authorization of Agent that we will present to you, you agree to be bound by this Agreement.

This Agreement is separate from our Terms of Service, which governs your use of the website at jasminelane.app (the "Site"). Both documents apply to you as a Customer; this Agreement controls for any conflict regarding the Services.

NOTE: THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION AND A CLASS-ACTION WAIVER (SECTION 12) THAT AFFECT YOUR LEGAL RIGHTS. BY AGREEING TO THIS AGREEMENT, YOU AGREE TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, UNLESS YOU TIMELY OPT OUT AS DESCRIBED IN SECTION 12.

We may update this Agreement from time to time:

Operational changes (such as updates to processes, contact information, jurisdictions served, or other non-economic provisions) — we will update the "Last updated" date and notify you by email or in-product notice. Your continued use of the Services after such an update constitutes your acceptance of the updated Agreement.
Material changes to economic terms (including the contingency fee rate, the contingency floor, or how Annual Check-In works) — we will notify you by email and obtain your affirmative acceptance of the updated terms before they apply to you. If you do not accept the updated economic terms, you may cancel the Services as described in Section 6.

2. ELIGIBILITY

You may use the Services only if:

You are at least 18 years old
You have the legal capacity to enter into binding contracts
You are the record owner of the property you are asking us to represent, OR you are an authorized agent of the property owner with legal authority to retain representation for the property and to agree to this Agreement on the owner's behalf
You are a resident of a U.S. state in which we offer or intend to offer Services, which currently includes Georgia and Florida. Additional jurisdictions may be added over time.

If you are using the Services on behalf of an entity (for example, an LLC, trust, partnership, or estate that owns the property), you represent that you have authority to bind that entity to this Agreement, and all references to "you" in this Agreement apply to both you personally and to that entity.

Entity-signer indemnification. If you are signing this Agreement on behalf of an entity, you personally represent and warrant that you have the legal authority to bind that entity to this Agreement, and you personally agree to indemnify Jasmine Lane against any claim arising from a lack of such authority — including any claim by another owner, member, beneficiary, executor, or interested party that you lacked the authority to bind the property or the entity to this representation. This indemnification is in addition to, and not in limitation of, the indemnification obligations in Section 11.

3. THE SERVICES

Jasmine Lane provides residential property tax appeal representation services. When you sign up, you authorize us to:

Evaluate your property's assessed value using comparable sales, condition data, and other available information
Prepare and file an appeal of the assessed value with the relevant local or state property tax appeal body (which, depending on jurisdiction, may be a Board of Equalization, Value Adjustment Board, Board of Review, Appraisal Review Board, or similar body — collectively, the "Appeal Authority") on your behalf
Represent you through the Appeal Authority's process, including by preparing evidence, communicating with the assessor's office, participating in hearings, and negotiating settlements
Communicate with you about the status of the appeal by email and (if you opt in) SMS text message

Jasmine Lane is not a law firm, and we do not provide legal advice, tax preparation services, financial planning services, or investment advice. Where permitted by applicable law, Jasmine Lane and its affiliated licensed representatives (where required by state law) act as your authorized representative solely for purposes of the property tax appeal process described in this Agreement. We are not acting as your attorney. If you need legal advice — for example, if your matter involves disputes about property ownership, probate, divorce settlement, or litigation beyond the Appeal Authority — you should consult a licensed attorney.

Scope of representation

Our representation covers the appeal of a property's assessed value through:

The initial written appeal, petition, or notice of protest filed with the relevant Appeal Authority
Any informal review with the assessor's office (or equivalent pre-hearing conference)
The hearing before the Appeal Authority
Any settlement conference or negotiation between filing and the hearing

Our representation does not cover:

Appeals beyond the initial Appeal Authority, including but not limited to appeals to superior court, district court, or any other court of general jurisdiction, or any similar secondary review body — unless we separately agree with you in writing
Disputes about property ownership, boundaries, or title
Tax liability disputes unrelated to assessed value (for example, millage rate or tax rate challenges, exemption eligibility disputes, or billing errors)
Any matter outside the relevant Appeal Authority's property tax appeal process

If your appeal results in an outcome you wish to appeal further, we will notify you of the applicable deadlines and, where appropriate, recommend that you engage a licensed attorney or other appropriately credentialed representative for the secondary proceeding.

"We may decide not to file" reservation

After we evaluate your property, we may determine in our reasonable judgment that we will not file an appeal on your behalf — for example, where our analysis indicates that the likelihood of a successful reduction is too low to justify filing.

If we make that determination:

You owe us nothing. No review fee, no minimum, no charge of any kind.
We will notify you within thirty (30) days after the later of (a) your acceptance of this Agreement or (b) the date your annual notice of current assessment is issued by the assessor. Notice will be sent to your account email address.
We will provide a brief written explanation of our decision.
You retain the right to file the appeal yourself or engage another representative. The filing deadline for your jurisdiction is unaffected by our decision.

4. TAX APPEAL SERVICES — SUPPLEMENTAL TERMS

The following supplemental terms apply specifically to our residential property tax appeal services.

Authorization of Agent

To represent you before the assessor and Appeal Authority, we require you to sign an Authorization of Agent form (the "Authorization") in the form required by the relevant Appeal Authority, county, or jurisdiction. You will sign the Authorization electronically as part of signup. The Authorization is a separate document from this Agreement — by agreeing to this Agreement at clickwrap acceptance, you agree to sign the Authorization in the form we present to you at the next wizard step.

The Authorization names Jasmine Lane, Inc. (or, in jurisdictions that require an individual representative of record, a designated agent affiliated with Jasmine Lane, Inc.) as your authorized representative for the purposes of the appeal and authorizes us to (i) access public and non-public records that the relevant Appeal Authority, assessor, or appraisal district makes available to representatives of record, (ii) correspond with the Appeal Authority, assessor, appraisal district, and other relevant government offices on your behalf, (iii) receive notices and decisions on your behalf, and (iv) negotiate and settle the appeal as described under "Settlement authority" below.

The Authorization document varies by state and is presented to you in the form that the jurisdiction requires:

Georgia (launch): Jasmine Lane's Agent Authorization Template. You sign the JL document directly.
Florida (post-May 2026): State Form DR-486 — you sign Part 3 inline; a Chapter 475 licensee retained by Jasmine Lane countersigns Part 4 in our fulfillment workflow (per Fla. Stat. § 194.034(1)(a)).
Other states (future): state-specific forms or templates per market launch.

Where Georgia law requires your personal signature on an exemption application or related certification (including but not limited to certifications of residency, age, income, or disability), you will sign that application or certification yourself; Jasmine Lane will not sign on your behalf. See Section 3(i) of the Agent Authorization for the parallel limitation in the county-facing document.

Notice of Value / assessment notice

You agree to furnish us with a copy of the notice of assessed value or similar assessment notice (the "Notice") — which may be styled a Notice of Assessment, Notice of Appraised Value, Truth in Millage (TRIM) Notice, or similar depending on the jurisdiction — issued for the tax year in question, or to confirm to us that you did not receive such Notice. If you did not receive a Notice and you subsequently receive one, you will forward it to us promptly. If you do not provide us with the Notice or confirm non-receipt, you authorize us to withdraw your appeal.

Multi-year benefits

Some jurisdictions provide benefits that extend beyond a single tax year for properties that receive a successful appeal — for example, Georgia's three-year valuation freeze (Section 4A below). These benefits are provided by applicable state or local law, not by Jasmine Lane. Regardless of whether multi-year benefits apply to your property, our fee (see Section 5) is calculated based on first-year tax savings only, not on cumulative savings over multiple years.

Customer cooperation

You agree to:

Provide accurate and complete information about the property, including any material known defects, damage, or other facts that affect value
Respond promptly to requests for information or signatures we need to prosecute the appeal

If you fail to cooperate in ways that materially impair our ability to prosecute the appeal, we may withdraw the appeal and this Agreement will terminate with respect to that appeal. No fee will be owed for an appeal withdrawn due to customer non-cooperation unless a successful reduction has already been finalized.

Exclusivity

You represent that, as of the date of this Agreement, you have not engaged any other person or firm to file or prosecute an appeal of the same property for the same tax year. While we are your representative of record, you agree not to engage another firm for the same property and tax year. If you'd rather work with someone else, you can cancel this Agreement at any time under Section 6 and engage them after — that's the right path, and your fee obligation is governed by Section 6 and the terms below.

If you breach this representation by engaging another firm while we are still your representative, the following applies:

We may withdraw our representation, terminate the Authorization, and stop work on the appeal at our option, without further obligation to you.
Whether you owe us a contingency fee depends on whether we have already filed:
- If we have already filed your appeal (or any other filing with the Appeal Authority or assessor on your behalf as your authorized representative), we are entitled to our full contingency fee under Section 5 on any reduction obtained for the property for that tax year, regardless of whether the reduction was finalized by us, by the other firm, or by you directly. We took action as your representative; the resulting reduction flows from that action, and our fee is earned.
- If we have not yet filed, we are not entitled to a contingency fee. The estimate and pre-filing analysis we provide are part of how we evaluate whether to take your case; they do not by themselves earn us a fee.
We may seek reimbursement of any hard costs (such as filing fees paid to the county on your behalf) we actually incurred up to the date we learned of the dual engagement, regardless of paragraph (2) above.

Cure period. If you notify us of an inadvertent dual engagement within seven (7) days of when it began and immediately terminate the other engagement, we will treat the situation as if no breach occurred, and the remedies above will not apply. Any hard costs we incurred remain reimbursable.

Settlement authority

Most Appeal Authorities — including Georgia county BOEs and Florida VABs — use pre-hearing settlement or informal conference as a routine step. We will negotiate with the assessor or Appeal Authority on your behalf.

Default authority for settlement offers. You authorize us to accept on your behalf any settlement that reduces the assessed value of your property below the value shown on your most recent annual assessment notice, without separately consulting you.

Settlement offers at or above the noticed value. If the assessor or Appeal Authority offers a settlement at a value equal to or above the noticed value, we will not accept that offer on your behalf — we will instead proceed to the hearing, where the Appeal Authority will decide the matter on the evidence presented.

Decisions imposed by the Appeal Authority. The Appeal Authority itself (such as a Board of Equalization or Value Adjustment Board) has the power to set your final assessed value based on the evidence presented at the hearing. This is a decision imposed by the Appeal Authority, not a settlement we agree to on your behalf, and the Appeal Authority's procedures — not this Agreement — control how and when that decision is made. We will inform you of the Appeal Authority's decision promptly. If you wish to pursue any further appeal of that decision, see Section 3 ("Scope of representation") and applicable law for the next-step procedure.

The settlement-authority terms in this Agreement are intended to mirror, and should be read consistently with, Section 3(f) of the Agent Authorization, which is the document the Appeal Authority relies on to grant Jasmine Lane authority to settle on your behalf.

4A. STATE-SPECIFIC SUPPLEMENTAL TERMS

The following supplemental terms apply to Services provided in the state(s) listed below. The state-specific terms are in addition to, and should be read together with, the general terms in Sections 3 and 4 above. Where a state-specific term conflicts with a general term, the state-specific term controls for Services provided in that state.

Georgia

Appeals are filed with the county Board of Tax Assessors and, if not resolved informally, proceed to the county Board of Equalization (BOE) for hearing and decision.

Three-year valuation covenant. Under Georgia law (O.C.G.A. § 48-5-299(c)) as amended by 2024 Ga. Laws 379 § 1-5 (effective January 1, 2025, applicable to taxable years beginning on or after January 1, 2025), if an appeal results in a successful reduction of your property's assessed value, that reduced valuation is generally protected from increase by the Board of Tax Assessors for the next two successive tax years (a three-year period including the appeal year), subject to exceptions including: substantial additions, improvements, or new construction; subsequent arm's-length sale; property classification change; tax parcel boundary changes; change in use; and loss of homestead exemption status. The covenant also does not apply if you or your authorized representative fail to attend the appeal hearing or fail to provide written evidence supporting your opinion of value. This benefit is provided by Georgia law, not by Jasmine Lane. Our fee is calculated based on first-year tax savings only.

Two statutory paths to attachment. The reduced valuation establishes a three-year freeze when the reduction is established by either (i) an appeal decision rendered by the Board of Equalization, hearing officer, arbitrator, or superior court under O.C.G.A. § 48-5-311, OR (ii) a written agreement signed by the Board of Tax Assessors and the taxpayer (or the taxpayer's authorized representative). The 2024 amendment removed the prior "or is unchanged" phrase from the introductory paragraph — a "no change" outcome no longer attaches the freeze. Where the Board of Tax Assessors offers a reduced value (for example, via a "30 Day Change Letter"), Jasmine Lane countersigns the acceptance in writing on your behalf so that the resolution is documented as a signed written agreement under path (ii) — making freeze attachment a deterministic procedural step rather than a contestable legal interpretation. Verbatim statutory text and amendment history are tracked in Georgia_Property_Tax_Statutes_Reference.md § 48-5-299(c).

County-specific authorization. We use a county-specific Authorization of Agent form, executed electronically as part of signup.

[OPEN — GA COUNSEL] Operational form question carved out per memo 2026-05-21f D11 / LEGAL_OPEN_QUESTIONS.md Q-GA-M-16: does Fulton's 30-Day Change Letter procedure require an affirmative countersigned return from the taxpayer or representative to constitute "stipulated by written agreement signed by" both sides under § 48-5-299(c), or is passive 30-day expiration sufficient? Jasmine Lane builds the countersign-and-return step into the fulfillment workflow as the safe play regardless of how counsel resolves the narrow question.

Florida

Appeals are filed as a Petition to the Value Adjustment Board (VAB) following receipt of your Truth in Millage (TRIM) Notice from the County Property Appraiser, typically mailed in mid-August. The petition deadline is 25 days after the TRIM Notice is mailed, subject to specific county deadlines stated on the Notice itself (Fla. Stat. § 194.011(3), § 194.013).

Authorization of representation. Under Fla. Stat. § 194.011(3) and § 194.034(1)(a), your compensated representative before the VAB must be a person in one of the statutorily authorized licensed categories — a Florida Bar attorney, a Chapter 475 licensed real estate broker or salesperson, a Chapter 475 licensed real estate appraiser, or a Chapter 473 licensed certified public accountant. Jasmine Lane's Florida hearing representatives are Chapter 475 licensed real estate brokers or salespersons retained by Jasmine Lane through our Realtor partner program.

As part of signup, you will electronically sign the Petition to the Value Adjustment Board (Form DR-486), and the Chapter 475 licensee representing you will countersign in the representative section. An electronic signature is legally equivalent to a handwritten signature under Fla. Stat. § 668.50 (Florida's Uniform Electronic Transaction Act). No notarization or additional witnesses are required for this signup flow.

Annual signature requirement. Florida law requires a fresh taxpayer signature for each annual VAB petition (Fla. Stat. § 194.011(3)). This aligns with Jasmine Lane's universal Annual Check-In model (Section 5): each year, we send you the DR-486 Petition for your e-signature shortly after the TRIM notice issues. If you don't sign, no filing happens. This is the same affirmative-consent rule that applies in every state we serve; in Florida, the signature is on the state-mandated DR-486 form rather than on a Jasmine Lane authorization document.

Save Our Homes and 10% cap. Florida homestead properties benefit from a 3% annual assessment increase cap ("Save Our Homes"); non-homestead properties benefit from a 10% annual cap. These caps are provided by Florida law and continue to apply regardless of whether an appeal is filed. Our fee calculation (Section 5) accounts for these caps in determining the tax savings attributable to our representation.

Special Magistrates. The VAB may appoint Special Magistrates — licensed real estate appraisers for value disputes, or Florida Bar attorneys for exemption and classification disputes — to conduct hearings and make recommendations, which the VAB then adopts, modifies, or rejects. Our representation covers the petition, any informal conference with the Property Appraiser, and the Special Magistrate hearing through the VAB's final decision.

Partial tax payment requirement. Florida law (Fla. Stat. § 194.014) requires a partial tax payment of at least 75% of the ad valorem taxes owed (plus any non-ad valorem assessments) before the tax delinquency date (generally March 31 following the assessment year) for any property with a pending VAB petition challenging assessed value. Failure to make the required partial payment will result in the VAB denying your petition — regardless of the merit of the appeal or any prior Special Magistrate recommendation. This payment is your responsibility, not Jasmine Lane's. We will remind you of the deadline, but we cannot make the payment on your behalf.

Filing fees. Each Florida county charges a filing fee of up to $15 per separate parcel per petition (Fla. Stat. § 194.013(1)). Hillsborough and Orange counties currently charge $15 per parcel. This filing fee is your responsibility and is separate from our contingency fee.

5. FEES AND PAYMENT

Contingency fee

Jasmine Lane is paid on contingency. If we do not successfully reduce your property's assessed value, you owe us nothing.

If we do successfully reduce your assessed value, our fee is:

30% of the first-year tax savings, OR
$75,

whichever is greater.

How savings are calculated

"First-year tax savings" means the reduction in your total property tax liability for the tax year in which the appeal was filed, calculated as:

(Original assessed value − Final assessed value) × Applicable tax rate × (1 − Applicable exemption offset)

The applicable tax rate is the rate used by the relevant taxing jurisdiction(s) to calculate your property tax liability — for example, millage rate in Georgia and Florida. We will calculate your savings consistent with the tax framework applicable in your state.

We adjust the savings calculation to exclude any portion of the assessed value reduction that is attributable to exemptions, caps, or other benefits (homestead, senior, disability, Save Our Homes, etc.) for which you were already eligible before the appeal. Our fee is calculated only on savings that result from our representation, not on savings you were already entitled to from pre-existing exemptions or caps.

When fees become due

An invoice will be issued within ten (10) business days after:

The Appeal Authority issues a final decision on the appeal that reduces your assessed value, OR
The Appeal Authority (or assessor acting on its behalf) and Jasmine Lane reach a written settlement that reduces your assessed value,

whichever occurs first.

Payment is due within thirty (30) days of the invoice date. We accept payment by credit card and debit card through our payment processor (Stripe). All payments will be made in U.S. dollars.

Card on file (pre-authorized payment)

When you sign up, you provide a payment method that we keep on file with our payment processor (Stripe). You authorize Jasmine Lane to charge that payment method only when all three of the following are true:

We have filed an appeal on your behalf for a tax year (which, after Year 1, requires your affirmative authorization under "Annual Check-In" below);
That appeal has resulted in a successful reduction of your assessed value; and
We have issued you an invoice for the resulting contingency fee.

The maximum amount of any single charge will not exceed the contingency fee calculated under this Section 5, plus any late fees that have accrued under "Late payment" below, plus applicable taxes if any. Charges will occur on or after the invoice date. We will email you a receipt at the email address on file for every charge.

You may revoke this authorization at any time by removing or replacing the payment method in your account settings, or by emailing hello@jasminelane.app. Revocation is effective for charges initiated after we receive your revocation notice; charges already initiated before revocation will complete. Revocation does not cancel amounts already owed; you remain responsible for paying any outstanding invoice through another method.

Installment option

You may elect at signup to pay our fee in three equal monthly installments at no additional cost, instead of in a single charge. If you elect this option:

The first installment is charged 24 hours after the win notification (or, if later, on the invoice date).
The second and third installments are charged at 30-day intervals from the first installment.
We will email you a receipt at the email address on file for each installment charge.
The installment schedule controls; the standard "30 days from invoice" deadline above does not apply to your invoice once you have elected installments.

If a scheduled installment charge fails (because the card has been removed, expired, or declined), we will email you a notice and attempt the charge again at reasonable intervals over the following fourteen (14) days. If we still cannot collect after that period, the remaining balance becomes immediately due and we will work with you to update the payment method or arrange another method of payment.

Late payment

If an invoice is not paid within thirty (30) days of the invoice date (or, for installment elections, if the full installment balance is not paid within fourteen (14) days after a failed final installment charge), a late payment fee of 1.5% per month (or the maximum permitted by applicable law, if less) will be added to the outstanding balance until paid in full. We may refer unpaid invoices to a collections agency.

Drafting note (legal review). Georgia rate confirmed: O.C.G.A. § 7-4-16 expressly authorizes 1.5%/month on commercial accounts more than 30 days past due, which covers the contingency-fee receivable here. FL rate to be confirmed.

Annual Check-In (free monitoring; you decide each year)

Annual Check-In is the way Jasmine Lane stays useful to you over time. Property tax assessments change every year, and properties that were correctly assessed one year are often overassessed the next. Annual Check-In is how we keep an eye on yours. Annual Check-In is enabled by default when you sign up; you can turn it off at any time, as described below.

What we do, for free. If Annual Check-In is on for your account, Jasmine Lane will:

Watch your property. When a new annual assessment notice issues for your property each year, we'll review it, run our overassessment analysis against current comparable sales, and decide whether an appeal looks worthwhile.
Tell you what we found. Shortly after each year's assessment notice issues, we'll send you a written check-in (by email, and also by SMS if you've opted in) that includes our recommendation, our estimated savings if we file, the fee terms (the same 30% / $75 floor described above), and the filing deadline for your jurisdiction.
Wait for your yes. We will only file a future-year appeal for you if you affirmatively authorize that year's filing. You can authorize by clicking "Yes, file my appeal" in our message, replying YES to a check-in SMS, signing the state-required form (in Florida, the DR-486 Petition; in other states, the applicable authorization), or emailing us back. If you don't respond, or you say no, we don't file. No filing means no charge.

Free means free. Annual Check-In itself doesn't cost you anything. We don't charge a monitoring fee, a review fee, a recommendation fee, or any other fee for watching, evaluating, or telling you what we found. The only time we charge anything is when (a) you've affirmatively said yes to filing in a given year and (b) that year's appeal succeeds — in which case our standard contingency fee applies.

You can turn it off anytime. You may turn off Annual Check-In at any time through your account settings, by replying STOP CHECK-IN to any check-in message, or by emailing hello@jasminelane.app. Turning off Annual Check-In doesn't cancel anything else; if you want to fully cancel the Services, see Section 6.

Practical jurisdiction notes:

Georgia. Under O.C.G.A. § 48-5-299(c) as amended in 2024 (effective for taxable years beginning on or after January 1, 2025), Georgia's three-year valuation covenant attaches only on a successful reduction of your assessed value via either an adjudicated decision or a signed written agreement with the Board of Tax Assessors. During a freeze that followed a successful reduction, we won't send you check-ins — filing would break a freeze that's already saving you money. Where an appeal in a prior year resulted in a "no change" outcome (no freeze attached), Annual Check-In re-scores your property each year and surfaces materially stronger cases without a statutory hook to navigate — you decide whether to authorize each filing on the underlying merits. Annual Check-In resumes normally when any active freeze ends.
Florida. Florida law requires a fresh taxpayer signature for each annual VAB petition (Fla. Stat. § 194.011(3)). Your check-in message includes the DR-486 Petition ready for your e-signature; without your signature, no filing happens.

Fee disputes

If you dispute an invoice, you must notify us within fifteen (15) days of the invoice date at hello@jasminelane.app with the basis for your dispute. We will respond within fifteen (15) business days and work with you in good faith to resolve the dispute.

If you raise a good-faith fee dispute under this section:

Late fees will not accrue on the disputed portion of the invoice during the dispute resolution period
The 30-day payment deadline continues to run for the undisputed portion of the invoice
Where we determine the dispute has merit, we will adjust or reverse the invoice and any late fees that have accrued

6. CANCELLATION

You may cancel the Services at any time by emailing hello@jasminelane.app or through your account settings.

Effect of cancellation on active appeals: If you cancel after we have filed an appeal but before the appeal is resolved, we will either (i) with your consent, withdraw the appeal, or (ii) continue representation through the Appeal Authority hearing, at our discretion based on the stage of the appeal. If a successful reduction is finalized after your cancellation but is the result of work we performed before cancellation, our fee remains due.

Effect of cancellation on Annual Check-In: Cancellation stops future check-in messages and ends our monitoring relationship. It does not affect appeals already filed (or in flight).

7. SMS CONSENT (OPTIONAL)

SMS messaging is optional and offered as a value-add post-authorization. At the end of the wizard you will be asked Yes/No whether you want SMS updates on your appeal. If you opt in, you agree to receive recurring automated and non-automated text messages from Jasmine Lane at the number you provided, including transactional messages (appeal status, billing, customer support responses) and Annual Check-In messages.

Consent to SMS is not a condition of receiving the Services. Email is the primary channel; SMS is layered on top for opted-in customers only. Message frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP for help.

You separately consent to receive emails and, if you have provided a phone number, occasional phone calls from Jasmine Lane and parties acting on our behalf for purposes related to your account, appeal, and the Services, even if your number is on a federal or state do-not-call registry. Such calls may be automated.

8. ELECTRONIC COMMUNICATIONS AND SIGNATURES

You agree that all agreements, notices, disclosures, invoices, receipts, and other communications we provide to you electronically — including by email, SMS, and through the Site — satisfy any legal requirement that such communications be in writing.

You expressly consent to the use of electronic signatures pursuant to the federal Electronic Signatures in Global and National Commerce Act (E-Sign Act), the Uniform Electronic Transactions Act as adopted in your state, and analogous laws, including for purposes of accepting this Agreement, signing the Authorization of Agent form, signing future-year appeal authorizations under Annual Check-In (Section 5), receipt of invoices, and any other document we may ask you to sign in connection with the Services. You acknowledge that an electronic signature has the same legal effect as a handwritten signature.

Right to receive paper copies

You have the right to receive paper copies of any agreement, notice, disclosure, invoice, or receipt we provide to you electronically. To request a paper copy, email hello@jasminelane.app with the document name and your mailing address; we will mail it to you within ten (10) business days at no charge.

Right to withdraw consent to electronic communications

You may withdraw your consent to receive electronic communications at any time by emailing hello@jasminelane.app. Withdrawal will be effective for communications sent after we process your withdrawal notice (typically within five (5) business days). Note: withdrawal of electronic-communications consent will make it impractical for us to continue providing the Services, since the Services rely on electronic communications. In that case, we will treat your withdrawal as a request to cancel the Services under Section 6.

Hardware and software requirements

To access electronic communications from us, you need:

a device with internet access (computer, tablet, or smartphone);
a current version of a major web browser (Chrome, Safari, Firefox, or Edge);
a working email address;
the ability to view and store PDF files; and
if you have opted in to SMS, a mobile phone capable of receiving text messages.

Updating your contact information

It is your responsibility to keep your email address and (if applicable) phone number current. You may update them in your account settings or by emailing hello@jasminelane.app.

9. DISCLAIMERS

THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, JASMINE LANE, ITS AFFILIATES, AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

TAX SERVICES-SPECIFIC DISCLAIMER. WE MAKE NO REPRESENTATION OR WARRANTY THAT AN APPEAL WILL RESULT IN ANY PARTICULAR OUTCOME, ANY PARTICULAR AMOUNT OF SAVINGS, OR ANY REDUCTION AT ALL. ANY SAVINGS ESTIMATES WE PROVIDE ARE BASED ON PUBLICLY AVAILABLE DATA AND OUR ANALYSIS OF COMPARABLE PROPERTIES AT A POINT IN TIME; ACTUAL OUTCOMES DEPEND ON FACTORS OUTSIDE OUR CONTROL, INCLUDING THE JUDGMENT OF THE APPEAL AUTHORITY, THE QUALITY AND AVAILABILITY OF COMPARABLE PROPERTY DATA, AND THE LEGAL FRAMEWORK AS APPLIED AT THE TIME OF THE HEARING. WE DO NOT GUARANTEE THE AMOUNT OF ANY TAX REFUND, THE TIMING OF ANY DECISION, OR THE ENFORCEABILITY OF ANY SETTLEMENT. NOTHING IN THE SERVICES CONSTITUTES LEGAL, TAX, FINANCIAL, OR INVESTMENT ADVICE.

CERTAIN JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OR ALL OF THE ABOVE DISCLAIMERS MAY NOT APPLY TO YOU.

10. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL JASMINE LANE, ITS AFFILIATES, OR ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST SAVINGS, LOSS OF GOODWILL, LOSS OR CORRUPTION OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING THE FOREGOING, AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES, WHETHER IN CONTRACT, TORT, STATUTE, OR OTHERWISE, WILL NOT EXCEED THE GREATER OF (A) FIVE HUNDRED DOLLARS ($500), OR (B) THE AMOUNTS PAID BY YOU TO JASMINE LANE FOR THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Carve-outs from limitation

The exclusions and limitations in this Section 10 do not apply to liability arising from:

(a) our gross negligence, willful misconduct, or fraud; (b) our breach of our confidentiality or data security obligations; (c) bodily injury or death caused by our negligence; or (d) any matter for which liability cannot be limited or excluded under applicable law, including (without limitation) the Georgia Fair Business Practices Act (O.C.G.A. § 10-1-390 et seq.).

CERTAIN U.S. STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Jasmine Lane, its Affiliates (as defined in Section 15), and its and their respective officers, directors, employees, agents, and service providers (collectively, the "Indemnified Parties") from and against any third-party claims, demands, losses, liabilities, damages, judgments, settlements, and expenses (including reasonable attorneys' fees and costs) brought against any Indemnified Party and arising out of or related to:

(a) your fraud or intentional misconduct; (b) any inaccurate, false, or misleading information you provided to us — including about property ownership, property condition, your authority to act for the property owner, or prior appeals; (c) your lack of authority to bind the property owner, an entity, or any co-owner to this Agreement or to the Services; (d) your violation of any applicable law, regulation, or third-party right (including intellectual property, privacy, or publicity rights); or (e) your material breach of this Agreement.

Notice and control of defense. We will give you prompt written notice of any claim for which we seek indemnification under this Section, but our failure to give notice will not relieve your obligations except to the extent the failure materially prejudices your defense. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, in which case you agree to cooperate with our defense. You may not settle any matter for which we seek indemnification without our prior written consent (not to be unreasonably withheld).

12. DISPUTE RESOLUTION — BINDING ARBITRATION AND CLASS-ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

This Section 12 is the master arbitration clause. The parallel provision at Section 17 of the Terms of Service is identical in substance and is intended to be read consistently with this Section.

Informal resolution first

Before initiating arbitration, you and Jasmine Lane agree to first attempt to resolve any dispute informally for at least thirty (30) days. To start informal resolution, send a written notice describing the dispute to hello@jasminelane.app. The notice must include your name, contact information, a description of the dispute, and the specific relief sought.

Binding arbitration

If informal resolution does not resolve the dispute, any claim, dispute, or controversy arising out of or related to this Agreement or the Services (each a "Dispute") will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (the "AAA Rules"), which are available at www.adr.org. Arbitration fees and costs will be allocated in accordance with the AAA Rules.

The arbitration will be conducted by a single neutral arbitrator. The arbitration may be conducted by telephone, video conference, through the submission of documents, or in person. Unless you and Jasmine Lane agree otherwise, any in-person hearing will be held in Wilmington, Delaware, or, at your election, in the county and state of your residence.

The arbitrator may grant any remedy that would otherwise be available in court, subject to the limitations in this Agreement. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Mass arbitration

If twenty-five (25) or more similar Demands for Arbitration are filed against Jasmine Lane by or on behalf of multiple individuals represented by the same or coordinated counsel, the AAA Mass Arbitration Supplementary Rules and the applicable AAA Mass Arbitration Fee Schedule (each as in effect at the time of filing) will apply, and the procedures set forth in those rules — including those governing initiation fees, process arbitrators, and global mediation — will govern those proceedings.

Delegation

Any dispute about the formation, scope, applicability, enforceability, or interpretation of this Section 12 (including any claim that all or part of it is void or voidable) shall be decided by the arbitrator, not by a court — except that a court (and not the arbitrator) may decide the enforceability of the class-action waiver below.

Class-action waiver

YOU AND JASMINE LANE AGREE THAT ANY DISPUTE WILL BE RESOLVED ON AN INDIVIDUAL BASIS, NOT AS A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. Neither you nor Jasmine Lane may be a class representative, class member, or participant in a class, consolidated, or representative proceeding. The arbitrator has no authority to consolidate claims or arbitrate any form of class or representative proceeding.

If a court of competent jurisdiction determines that the class-action waiver in this Section is unenforceable as to a particular Dispute, then that Dispute (and only that Dispute) shall be severed from this arbitration provision and shall be litigated in court. However, if a court further determines that severance of that Dispute would render any other portion of this arbitration provision unenforceable as to that Dispute, then this entire arbitration provision shall be void as to that Dispute, and the parties shall litigate that Dispute in court (with all other Disputes remaining subject to this arbitration provision).

Exceptions

Either you or Jasmine Lane may bring an individual action in small claims court for any Dispute within the jurisdictional limits of that court. Either party may also bring claims in court to (i) enforce intellectual property rights, (ii) seek injunctive or other equitable relief, or (iii) compel arbitration, stay pending proceedings, or enforce an arbitration award.

Opt-out of arbitration

You may opt out of this arbitration provision by sending written notice to hello@jasminelane.app within thirty (30) days of first agreeing to this Agreement. Your notice must state that you are opting out of arbitration and include your full name, email address, and mailing address. Opting out of arbitration does not affect any other part of this Agreement.

Statute of limitations

To the fullest extent permitted by applicable law, no Dispute brought by either party related in any way to the Services will be commenced more than one (1) year after the cause of action arose. This limitation does not apply to the extent applicable law prohibits shortening the limitations period for a particular claim.

13. GOVERNING LAW

This Agreement is governed by the laws of the State of Delaware, without regard to its conflict of laws principles. To the extent this Agreement specifies venue in a court rather than arbitration, that venue is the state and federal courts located in Wilmington, Delaware, and you consent to the jurisdiction of those courts.

Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from this Agreement.

14. TERMINATION

This Agreement remains in full force and effect while you are a customer or have an open appeal with us.

We may, in our discretion, suspend or terminate your use of the Services at any time, with or without cause. If we terminate the Services during an active appeal, we will provide reasonable notice and assist with transition, including by facilitating withdrawal of the appeal where requested.

If we terminate without cause during an active appeal, you owe no contingency fee for that appeal, and we will withdraw the Authorization.
If we terminate for cause (including for breach of any representation, warranty, or covenant in this Agreement, breach of the Exclusivity provisions in Section 4, or violation of any applicable law), our right to fees on any reduction obtained as a result of work we performed before termination survives termination.

Upon termination, the provisions of this Agreement that by their nature should survive — including Section 5 (Fees and Payment, for amounts due through termination), 9 (Disclaimers), 10 (Limitation of Liability), 11 (Indemnification), 12 (Dispute Resolution), and 13 (Governing Law) — will survive.

15. MISCELLANEOUS

Entire agreement. This Agreement, together with the Privacy Policy, the Terms of Service, and any Authorization of Agent or other engagement document you sign with us, constitutes the entire agreement between you and Jasmine Lane regarding the Services.
Severability. If any provision of this Agreement is found to be unenforceable, the remaining provisions will continue in full force and effect.
No waiver. Our failure to enforce any provision of this Agreement does not waive our right to enforce it later.
Assignment. You may not assign this Agreement without our prior written consent. We may assign this Agreement, in whole or in part, in connection with a merger, acquisition, financing, reorganization, or sale of assets.
No agency. This Agreement does not create any partnership, joint venture, employment, or agency relationship, except that by signing the Authorization of Agent you appoint Jasmine Lane as your authorized representative for the limited purposes described in the Authorization.
Force majeure. We are not liable for any delay or failure to perform caused by circumstances beyond our reasonable control.
Notices. Notices to Jasmine Lane must be sent to the mailing address or email address listed in Section 16. Notices to you may be sent to the email address associated with your account and are effective when sent.
Affiliate. "Affiliate" means any entity that, directly or indirectly, controls, is controlled by, or is under common control with Jasmine Lane, where "control" means ownership of more than fifty percent (50%) of the voting interests of the entity or the power to direct its management and policies.

16. CONTACT US

Email: hello@jasminelane.app Mail: Jasmine Lane, Inc. 285 W Wieuca Rd NE STE 60438 Atlanta, GA 30342