Terms of Service

Terms of Service

Basic Terms of Service:
I agree that I am the owner, or have been authorized to act on behalf of the owner with regard to the property/properties entered on the respectively linked web page Page 1 -or- Page 2


I retain Schwaps LLC (Schwaps) to represent me before the Cook, DuPage, Lake, and/or Will County Assessor for the purpose of reducing my assessed valuation on the property/properties listed above.


For the respective County Board of Review(s) for any of the aforementioned counties that apply, I retain the Schwaps assigned attorney for representation. I understand that Schwaps nor any employee is a law firm or attorney. I will be notified of Schwaps assigned attorney shortly following the completion of the “Client Engagement Process”.


I agree to provide Schwaps with complete, accurate, and timely information that is considered helpful to pursue an assessed value reduction of my property/properties. If I do not cooperate, Schwaps and/or assigned attorney may withdraw and I am free to seek other consultation.



Plan #1)
Do It Yourself – 1 Year Plan (DIY):

Property Tax Analysis & Evidence Composition:

$150 Flat-Fee: With our flat-fee package you will receive logically presented  information pertaining to your home and neighborhood that’s necessary to make a strong argument for the reduced assessment level determined to most appropriate by county officials. DIY reports are intended for clients that have the time and desire to appeal their property taxes, but would like assistance constructing their argument in a persuasive manner, and would rather not pay a portion of their savings upon success. No attorneys are involved.  

Property Tax Savings:

No Charge: With the DIY Plan you get to keep all of your savings and refunds. And you involve no attorneys because you’re appealing Pro Se (meaning “for oneself” or “on one’s own behalf”).


– Or –


Plan #2) Done For You – 1 Year Plan (D4U):

Property Tax Analysis, Evidence Composition, & Filing:

No Charge: Attorneys are involved and assigned per Board of Review hearing schedule, where applicable. There is absolutely no charge for the analysis of your property taxes or the filing of your tax assessment appeal(s).


Property Tax Savings:

50% Contingency Fee: It is agreed that Schwaps’ fee will be contingent upon appeal outcome, there will be No Charge to you if no assessment reduction is obtained. It is agreed that you will pay Schwaps one half (50%) of the first year’s “Estimated Tax Savings” as Schwaps’ fee resulting from any reduction in your property’s assessed value obtain for you at the respective County Assessor.


Pre Appeal Assessed Value * Latest Property Tax Rate * Latest County Multiplier = Pre Appeal Tax Amount

Post Appeal Assessed Value * Latest Property Tax Rate * Latest County Multiplier = Post Appeal Tax Amount (-)

= Estimated Tax Savings


Payment Terms:
Invoices will be issued after formal notification of your respective County(s) appeal decision for the subject property tax year. Invoices are calculated using the most recent tax rate and state equalization factor at the time of billing. Payments are due within 30 days of invoicing. Late payments are subject to a 1.5% service charge per month.


Payments not received before 90 days after date of invoicing are considered delinquent and recorded as derogatory. Client acknowledges this and that Schwaps may record the invoice against the associated real property parcel which may then act as a real estate lien in the unpaid amount.


No Refunds For Any Reason:
In the rare occasion that we make a mistake, we will offer extended service time. We cannot refund you because you sell or move as our service helps many people sell their homes. Property taxes are the #1 concern of buyers. While we do not offer refunds, our service is totally transferable, to you new house or the new owner.


Service is Transferable At No Cost:
In the event you sell your home, we would be happy to transfer your remaining service time to the new owner or to your new property as long as it is within any of the following Illinois counties:

Boone, Cook, Dekalb, DuPage, Kane, Lake, McHenry, Will, Winnebago


Account Deactivation:
When you service time ends, your account is automatically deactivated. You will no loner receive appeal alerts or packages.


Zero Liability:
At no point in time shall you hold Schwaps liable for anything. While our track record is good, we cannot guarantee any results.


Contacting Us:
If there are any questions regarding this service agreement you may contact us using the information below.

staff [at] schwaps.com
Last Edited on 2-2-2019

The Comprehensive Terms Of Service Below Includes the above Basic Terms of Service:

The following terms and conditions govern all use of the Schwaps.com website and all content, services and products available at or through the website (taken together, the Website). The Website is owned and operated by Schwaps LLC (“Schwaps”). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Schwaps’s Privacy Policy) and procedures that may be published from time to time on this Site by Schwaps (collectively, the “Agreement”).

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Schwaps, acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 18 years old.

Your Schwaps.com Account and Site. If you create an account on the Website, you are responsible for maintaining the security of your account and blog, and you are fully responsible for all activities that occur under the account and any other actions taken in connection with the blog. You must not describe or assign keywords to your blog in a misleading or unlawful manner, including in a manner intended to trade on the name or reputation of others, and Schwaps may change or remove any description or keyword that it considers inappropriate or unlawful, or otherwise likely to cause Schwaps liability. You must immediately notify Schwaps of any unauthorized uses of your blog, your account or any other breaches of security. Schwaps will not be liable for any acts or omissions by You, including any damages of any kind incurred as a result of such acts or omissions.

Responsibility of Contributors. If you operate a blog, comment on a blog, post material to the Website, post links on the Website, or otherwise make (or allow any third party to make) material available by means of the Website (any such material, “Content”), You are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that:

  • the downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
  • if your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
  • you have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;
  • the Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
  • the Content is not spam, is not machine- or randomly-generated, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
  • the Content is not pornographic, does not contain threats or incite violence towards individuals or entities, and does not violate the privacy or publicity rights of any third party;
  • your blog is not getting advertised via unwanted electronic messages such as spam links on newsgroups, email lists, other blogs and web sites, and similar unsolicited promotional methods;
  • your blog is not named in a manner that misleads your readers into thinking that you are another person or company. For example, your blog’s URL or name is not the name of a person other than yourself or company other than your own; and
  • you have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by Schwaps or otherwise.By submitting Content to Schwaps for inclusion on your Website, you grant Schwaps a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the Content solely for the purpose of displaying, distributing and promoting your blog. If you delete Content, Schwaps will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable.
Without limiting any of those representations or warranties, Schwaps has the right (though not the obligation) to, in Schwaps’s sole discretion (i) refuse or remove any content that, in Schwaps’s reasonable opinion, violates any Schwaps policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the Website to any individual or entity for any reason, in Schwaps’s sole discretion. Schwaps will have no obligation to provide a refund of any amounts previously paid.Payment and Renewal.

    General Terms.
By selecting a product or service, you agree to pay Schwaps the one-time and/or monthly or annual subscription fees indicated (additional payment terms may be included in other communications). Subscription payments will be charged on a pre-pay basis on the day you sign up for an Upgrade and will cover the use of that service for a monthly or annual subscription period as indicated. Payments are not refundable.Automatic Renewal.
Unless you notify Schwaps before the end of the applicable subscription period that you want to cancel a subscription, your subscription will automatically renew and you authorize us to collect the then-applicable annual or monthly subscription fee for such subscription (as well as any taxes) using any credit card or other payment mechanism we have on record for you. Upgrades can be canceled at any time by submitting your request to Schwaps in writing.


    Fees; Payment. 
    By signing up for a Services account you agree to pay Schwaps the applicable setup fees and recurring fees. Applicable fees will be invoiced starting from the day your services are established and in advance of using such services. Schwaps reserves the right to change the payment terms and fees upon thirty (30) days prior written notice to you. Services can be canceled by you at anytime on thirty (30) days written notice to Schwaps.

    Support. If your service includes access to priority email support. “Email support” means the ability to make requests for technical support assistance by email at any time (with reasonable efforts by Schwaps to respond within 1 business day) concerning the use of the VIP Services. “Priority” means that support takes priority over support for users of the standard or free Schwaps.com services. All support will be provided in accordance with Schwaps standard services practices, procedures and policies.

    Responsibility of Website Visitors. Schwaps has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material’s content, use or effects. By operating the Website, Schwaps does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. Schwaps disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.

    Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which Schwaps.com links, and that link to Schwaps.com. Schwaps does not have any control over those non-Schwaps websites and webpages, and is not responsible for their contents or their use. By linking to a non-Schwaps website or webpage, Schwaps does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Schwaps disclaims any responsibility for any harm resulting from your use of non-Schwaps websites and webpages.

    Copyright Infringement and DMCA Policy. As Schwaps asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by Schwaps.com violates your copyright, you are encouraged to notify Schwaps in accordance with Schwaps’s Digital Millennium Copyright Act (“DMCA”) Policy. Schwaps will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. Schwaps will terminate a visitor’s access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Schwaps or others. In the case of such termination, Schwaps will have no obligation to provide a refund of any amounts previously paid to Schwaps.

    Intellectual Property. This Agreement does not transfer from Schwaps to you any Schwaps or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Schwaps. Schwaps, Schwaps.com, the Schwaps.com logo, and all other trademarks, service marks, graphics and logos used in connection with Schwaps.com, or the Website are trademarks or registered trademarks of Schwaps or Schwaps’s licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any Schwaps or third-party trademarks.

    Advertisements. Schwaps reserves the right to display advertisements on your blog unless you have purchased an ad-free account.

    Attribution. Schwaps reserves the right to display attribution links such as ‘Blog at Schwaps.com,’ theme author, and font attribution in your blog footer or toolbar.

    Partner Products. By activating a partner product (e.g. theme) from one of our partners, you agree to that partner’s terms of service. You can opt out of their terms of service at any time by de-activating the partner product.

    Domain Names. If you are registering a domain name, using or transferring a previously registered domain name, you acknowledge and agree that use of the domain name is also subject to the policies of the Internet Corporation for Assigned Names and Numbers (“ICANN”), including their Registration Rights and Responsibilities.

    Changes. Schwaps reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Schwaps may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.

    Termination. Schwaps may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your Schwaps.com account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by Schwaps if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Schwaps’s notice to you thereof; provided that, Schwaps can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

    Disclaimer of Warranties. The Website is provided “as is”. Schwaps and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Schwaps nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.

    Limitation of Liability. In no event will Schwaps, or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Schwaps under this agreement during the twelve (12) month period prior to the cause of action. Schwaps shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.

    General Representation and Warranty. You represent and warrant that (i) your use of the Website will be in strict accordance with the Schwaps Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.

    Indemnification. You agree to indemnify and hold harmless Schwaps, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.

    Miscellaneous. This Agreement constitutes the entire agreement between Schwaps and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Schwaps, or by the posting by Schwaps of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of the State of Illinois, excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Chicago, IL. Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. (“JAMS”) by three arbitrators appointed in accordance with such Rules. The arbitration shall take place in Chicago, IL, in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Schwaps may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.


Contacting Us:

If there are any questions regarding this service agreement you may contact us using the information below.

staff [at] schwaps.com
Last Edited on 2-3-2019