Terms of Service

PropertyTaxExaminer.com

Last Updated: September 22, 2026

User Accounts and Responsibilities
Acceptable Use Policy
Payment; Subscriptions; Auto-Renewal
User Content
Third-Party Providers
Intellectual Property Rights
Disclaimers of Warranties
Limitation of Liability
Indemnification
Termination
Modifications
Governing Law and Jurisdiction
Dispute Resolution
General Provisions
Contact Information

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Lumingo Labs, Inc., a Texas corporation (“Company,” “we,” “us,” or “our”), governing your access to and use of PropertyTaxExaminer.com, an online directory platform that provides information about property taxes (collectively, the “Services”).

THESE TERMS INCLUDE A MANDATORY ARBITRATION PROVISION IN THE DISPUTE RESOLUTION SECTION REQUIRING THAT DISPUTES BE RESOLVED BY FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS, AND NOT ON A CLASS-WIDE, COLLECTIVE, OR CONSOLIDATED BASIS. BY AGREEING TO THESE TERMS, YOU ARE WAIVING CERTAIN RIGHTS, INCLUDING THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

BY CREATING AN ACCOUNT, CLICKING TO ACCEPT, OR OTHERWISE AFFIRMATIVELY AGREEING TO THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT CREATE AN ACCOUNT, ACCESS THE SERVICES, OR SUBMIT ANY INFORMATION THROUGH THE SERVICES.

1. User Accounts and Responsibilities

Eligibility

You represent and warrant that you are at least eighteen (18) years of age and have the legal capacity to enter into these Terms. The Services are intended for individuals and businesses seeking information about property tax services. Our Services are not intended for children under eighteen (18) years of age, and we do not knowingly collect personal information from children under eighteen (18). If you are using the Services on behalf of another person or entity, you represent and warrant that you have the authority to bind that person or entity to these Terms. If you do not agree to these Terms in their entirety, you may not access or use the Services.

Account Registration

To access certain features of the Services, Users must create an account by providing a valid email address and such other information as may be required. By creating an account, you represent and warrant that all information provided is accurate, current, and complete, and you agree to update such information as necessary to maintain its accuracy. You agree to provide only information that you are authorized to submit.

Account Security

You are solely responsible for maintaining the confidentiality and security of your account credentials, including your password. You agree to notify Company immediately of any unauthorized access to or use of your account. You are responsible for all activities that occur under your account, whether or not authorized by you. Company is not responsible for any loss or damage arising from your failure to maintain the security of your account credentials. Company reserves the right to suspend or require credential changes if we reasonably believe account security has been compromised.

Account Restrictions

You may not share your account credentials with any third party or permit any third party to access the Services using your account. Each User must maintain their own individual account. Company reserves the right to terminate or suspend any account that is shared or used by multiple individuals without authorization or that presents a security risk to the Services or other users.

2. Acceptable Use Policy

Permitted Use

You agree to use the Services only to access directory information and related features, in accordance with these Terms and all applicable laws and regulations for non-commercial purposes.

Prohibited Conduct

You agree that you will not, and will not permit any third party to:

use any robot, spider, scraper, crawler, data mining tool, or other automated or manual means to systematically access, collect, harvest, scrape, download, cache, store, aggregate, or extract data or content from the Services, or compile such data or content into a database, dataset, or collection, without Company’s prior written consent;
use the Services or any data, content, or information obtained through the Services to develop, train, or improve any machine learning model, artificial intelligence system, competing product or service, or similar technology without Company’s prior written consent;
reproduce, copy, mirror, frame, deep-link, sell, resell, license, sublicense, or otherwise exploit any portion of the Services or data obtained through the Services without Company’s prior written consent;
circumvent, bypass, disable, or otherwise interfere with any security, access control, rate limitation, CAPTCHA, or other technological measure or feature used to protect the Services or restrict access to or use or copying of content;
access or attempt to access the Services, another User’s account, or any systems or networks connected to the Services without authorization;
submit or transmit any false, misleading, unlawful, defamatory, fraudulent, or malicious content or data, including viruses, worms, or other harmful code;
infringe or violate the intellectual property, privacy, or other rights of any third party;
interfere with, disrupt, damage, disable, overburden, or impair the Services or related systems or networks, or interfere with any other User’s use or enjoyment of the Services;
create multiple accounts or otherwise circumvent any usage limitation, restriction, or prohibition;
use the Services or any data, content, information, or outputs obtained from or generated through the Services to develop, create, operate, support, or improve any product or service that competes with the Services;
use information obtained through the Services to contact, advertise to, solicit, or sell to any User or third party listed through the Services, except through features expressly provided by Company for such purpose; or
use the Services for any illegal, unauthorized, or unlawful purpose or in violation of applicable law.

3. Payment; Subscriptions; Auto-Renewal

Fees and Subscription Services

The Services are provided free of charge. Company reserves the right to introduce paid features or services in the future, with notice to Users.

4. User Content

Ownership of User Content

Any information, data, photographs, reviews, listings, or other materials you submit through the Services (“User Content”) remains your property. Company does not claim ownership of your User Content.

License Grant

By submitting User Content to the Services, you grant Company a non-exclusive, royalty-free, worldwide, perpetual, irrevocable license to use, reproduce, process, display, distribute, modify, adapt, create derivative works from, and publish such User Content for the purpose of (a) providing the Services; (b) improving and developing the Services; and (c) displaying User Content on the Services and in promotional materials. This license continues after termination of your account with respect to User Content that has been made public or shared with third parties.

Representations Regarding User Content

You represent and warrant that you own or have the necessary rights, licenses, consents, and permissions to submit all User Content and to grant the license set forth herein. You further represent that your User Content: (a) does not infringe upon the intellectual property rights, privacy rights, or other rights of any third party; (b) is accurate and not misleading; (c) does not contain any false, fraudulent, or deceptive claims; (d) complies with all applicable laws and regulations; and (e) does not contain any sensitive information. Company is not responsible for pre-screening or reviewing User Content for accuracy, completeness, or compliance and assumes no responsibility for the content submitted by Users. You are solely responsible for providing accurate and complete User Content. Inaccurate, incomplete, or misleading User Content may result in removal of your User Content, suspension of your account, or other action as Company deems appropriate. Company shall not be liable for any consequences arising from your provision of inaccurate or incomplete information.

5. Third-Party Providers

The Services may display listings, advertisements, and information from third-party businesses, service providers, and other parties (“Third-Party Providers”). Company does not endorse, recommend, warrant, or guarantee any Third-Party Provider or any products, services, or content provided by Third-Party Providers. Your interactions, communications, and transactions with Third-Party Providers are solely between you and such Third-Party Providers, and Company is not a party to any such interactions, communications, or transactions. Listings may be compiled from public records, government databases, business registries, third-party data providers, Listed Parties, users, and other sources. We do not independently verify every listing and information may be inaccurate, incomplete, or outdated. A Listed Party or other authorized person may request that we correct, update, claim, or remove a listing by contacting legal@propertytaxexaminer.com. We may request information reasonably necessary to verify identity, authority, and the requested change. We are not required to remove information that we are legally permitted or required to maintain. You may use contact features only for genuine inquiries concerning the applicable listing and not for spam, mass marketing, harassment, or unlawful solicitation. Fees, billing intervals, taxes, refund terms, and any feature-specific terms will be disclosed before purchase. By providing a payment method, you represent that you are authorized to use it and authorize Company or its payment processor to charge the disclosed amounts. Company may suspend paid features if payment fails.

6. Intellectual Property Rights

Company Intellectual Property

All content, features, functionality, software, technology, algorithms, databases, and underlying systems comprising the Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and the design, selection, and arrangement thereof (collectively, “Company Content”), are the exclusive property of Company or its affiliates or licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. All rights not expressly granted are reserved.

Trademarks

“PropertyTaxExaminer.com,” “Property Tax Examiner,” and all related names, logos, product and service names, designs, and slogans are trademarks of Company or its affiliates. You may not use such marks without the prior written permission of Company. All other names, logos, product and service names, designs, and slogans on the Services are the trademarks of their respective owners.

Limited License to Users

Subject to your compliance with these Terms, Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your internal non-commercial purposes.

7. Disclaimers of Warranties

WHILE COMPANY ENDEAVORS TO PROVIDE ACCURATE AND CURRENT INFORMATION, WE DO NOT WARRANT OR GUARANTEE THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY DATA, LISTING, REVIEW, OR INFORMATION PROVIDED THROUGH THE SERVICES. INFORMATION MADE AVAILABLE THROUGH THE SERVICES MAY BE OBTAINED FROM THIRD-PARTY SOURCES, PUBLICLY AVAILABLE RECORDS, USER SUBMISSIONS, DATA AGGREGATORS, AND OTHER SOURCES AND MAY BE INACCURATE, INCOMPLETE, OR OUTDATED. COMPANY DOES NOT INDEPENDENTLY VERIFY ALL SUCH INFORMATION. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND ALL CONTENT, DATA, LISTINGS, REVIEWS, RATINGS, RECOMMENDATIONS, AND OTHER INFORMATION MADE AVAILABLE THROUGH THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. COMPANY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS; OR THAT ANY PARTICULAR RESULTS WILL BE OBTAINED FROM USE OF THE SERVICES. USERS ARE SOLELY RESPONSIBLE FOR INDEPENDENTLY VERIFYING INFORMATION OBTAINED THROUGH THE SERVICES, CONDUCTING APPROPRIATE DUE DILIGENCE, AND DETERMINING WHETHER TO ENGAGE OR TRANSACT WITH ANY THIRD PARTY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY SHALL NOT BE LIABLE FOR ANY ERRORS OR INACCURACIES IN INFORMATION MADE AVAILABLE THROUGH THE SERVICES OR FOR ANY LOSS, DAMAGE, DISPUTE, OR OTHER HARM ARISING FROM A USER’S RELIANCE ON SUCH INFORMATION OR INTERACTIONS OR TRANSACTIONS WITH THIRD PARTIES IDENTIFIED THROUGH THE SERVICES. THE INFORMATION MADE AVAILABLE THROUGH THE SERVICES IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE TAX, LEGAL, VALUATION, OR OTHER PROFESSIONAL ADVICE; DOES NOT ENDORSE OR GUARANTEE ANY LISTED PROVIDER; DOES NOT GUARANTEE ANY PARTICULAR TAX RESULT; AND COMPANY IS NOT RESPONSIBLE FOR INDEPENDENTLY CONFIRMING A PROVIDER’S QUALIFICATIONS, LICENSING, FEES, OR SERVICES. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, THE FOREGOING DISCLAIMERS APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

8. Limitation of Liability

Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COMPANY, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, ANY TRANSACTION OR ENGAGEMENT WITH THIRD PARTIES FOUND THROUGH THE SERVICES, OR ANY USER CONTENT OR CONTENT PROVIDED BY THIRD PARTIES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL CUMULATIVE LIABILITY OF COMPANY, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00), IN THE AGGREGATE FOR ALL CLAIMS.

Essential Basis of the Bargain

YOU ACKNOWLEDGE AND AGREE THAT THE DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITY SET FORTH IN THESE TERMS REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND COMPANY, AND THAT THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN THE PARTIES. COMPANY WOULD NOT BE ABLE TO PROVIDE THE SERVICES TO YOU ON AN ECONOMICALLY REASONABLE BASIS WITHOUT THESE LIMITATIONS.

Jurisdictional Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE FOREGOING LIMITATIONS MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED BY APPLICABLE LAW. IN SUCH CASES, COMPANY’S LIABILITY SHALL BE LIMITED TO THE MINIMUM EXTENT PERMITTED BY LAW.

9. Indemnification

User Indemnification Obligations

You agree to indemnify, defend, and hold harmless Company and its officers, directors, members, managers, employees, agents, affiliates, successors, and assigns from and against any and all third party claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to:

Your use of the Services;
Your violation of these Terms or any applicable law or regulation;
Your violation of any rights of any third party, including intellectual property rights, privacy rights, or other proprietary rights;
Any User Content you submit to the Services;
Any inaccurate, false, or misleading information you provide through the Services; or
Any dispute or claim arising from your engagement or transaction with any third party found through the Services.

Indemnification Procedure

Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with Company in asserting any available defenses.

10. Termination

Termination by User

You may terminate your account and discontinue use of the Services at any time by contacting Company through the Services or by following the account cancellation procedures provided.

Termination by Company

Company may suspend or terminate your access to the Services, in whole or in part, at any time, with or without cause, and with or without notice, including but not limited to if:

You violate any provision of these Terms;
You engage in conduct that may harm the Services, Company, other Users, or third parties;
Company is required to do so by law or legal process;
The provision of the Services to you is no longer commercially viable; or
Company elects to discontinue the Services or any portion thereof.

Effect of Termination

Upon termination of your account:

Your right to access and use the Services shall immediately cease;
Company may delete your account information and User Content in accordance with our data retention policies;
Any licenses granted to you under these Terms shall immediately terminate; and
All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to sections relating to intellectual property, disclaimers of warranties, limitations of liability, indemnification, governing law, and dispute resolution.

No Liability for Termination

Company shall not be liable to you or any third party for any termination of your access to the Services, deletion of your User Content, or deletion of your account information.

11. Modifications

Services Modifications

Company reserves the right, in its sole discretion, to modify, update, suspend, or discontinue the Services or any features, functionality, or content thereof, at any time, with or without notice. Company will endeavor to provide reasonable notice of significant changes that may materially affect your use of the Services, but is not obligated to do so.

No Liability for Modifications

Company shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Services or any portion thereof.

12. Governing Law and Jurisdiction

Governing Law

These Terms and any dispute or claim arising out of or related to these Terms, their subject matter, or their formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any choice of law or conflict of law provisions that would cause the application of the laws of any other jurisdiction.

Exclusive Jurisdiction

Except where arbitration is required under the Dispute Resolution section, you agree that any permitted legal action, proceeding, or litigation arising out of or related to these Terms or the Services shall be brought in the state or federal courts located in Dallas County, Texas. You hereby irrevocably consent to the personal jurisdiction and venue of such courts and waive any objection based on inconvenient forum or any other basis.

Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND COMPANY EACH HEREBY WAIVE ANY RIGHT TO A JURY TRIAL IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES.

13. Dispute Resolution

Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact Company and attempt to resolve any dispute informally. You must send a written notice describing the nature of your dispute and your desired resolution to Company via email at legal@propertytaxexaminer.com or through the contact mechanism provided on the Services. Company will attempt to resolve the dispute informally within thirty (30) days of receiving your notice. If the dispute is not resolved within this period, either party may proceed with formal dispute resolution.

Binding Arbitration

ANY DISPUTE, CONTROVERSY, OR CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES THAT CANNOT BE RESOLVED INFORMALLY SHALL BE RESOLVED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS COMMERCIAL ARBITRATION RULES. The arbitration shall be conducted in Dallas County, Texas, before a single arbitrator selected in accordance with the AAA rules. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The arbitrator may award only those remedies that are permitted by these Terms and applicable law.

Class Action Waiver

YOU AND COMPANY AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS, WHETHER IN ARBITRATION OR COURT, WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You expressly waive any right to participate in a class action lawsuit or class-wide arbitration against Company.

Exceptions to Arbitration

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or to prevent irreparable harm pending the outcome of arbitration.

Time Limitation on Claims

Any claim arising out of or related to these Terms or your use of the Services must be filed within one (1) year after the cause of action accrues. Any claim not filed within this period shall be permanently barred, except where prohibited by applicable law.

14. General Provisions

Entire Agreement

These Terms constitute the entire agreement between you and Company with respect to the subject matter hereof and supersede all prior or contemporaneous communications, representations, or agreements, whether oral or written.

Privacy

Our collection, use, storage, and protection of personal information is governed by our Privacy Policy, which can be found at PropertyTaxExaminer.com/privacy.

Modifications to Terms

Company reserves the right, in its sole discretion, to modify, amend, or update these Terms at any time. We will notify users of material changes by posting the updated Terms on the Services with a revised “Last Updated” date or, where we determine appropriate, by providing additional notice through the Services, by email to the address associated with your account, or by other reasonable means. Your continued use of the Services following the posting of revised Terms constitutes your acceptance of such changes. We encourage you to review these Terms periodically to stay informed of any updates. If you do not agree to the amended Terms, you must stop using the Services.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms, and these Terms shall be construed as if such invalid, illegal, or unenforceable provision had never been contained herein.

Waiver

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Company’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Assignment

You may not assign, transfer, or delegate these Terms or any of your rights or obligations hereunder without Company’s prior written consent. Company may freely assign, transfer, or delegate these Terms and its rights and obligations hereunder without restriction. Subject to the foregoing, these Terms shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

No Third-Party Beneficiaries

Except as expressly provided below, these Terms are intended solely for the benefit of the parties hereto and are not intended to confer any rights or benefits on any third party.

Notices

Any notices required or permitted under these Terms shall be provided to Company through the contact mechanism provided on the Services or by email to legal@propertytaxexaminer.com. Notices to Users will be sent to the email address associated with your account. Notices shall be deemed given when sent.

Force Majeure

Company shall not be liable for any failure or delay in performing its obligations under these Terms due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of governmental authorities, power failures, telecommunications failures, internet service provider failures, or failures of third-party hosting providers or other service providers used to operate the Services.

Relationship of the Parties

Nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between you and Company. You have no authority to bind Company in any manner whatsoever.

Headings

The headings and subheadings in these Terms are for convenience only and shall not affect the interpretation of these Terms.

Construction

These Terms shall not be construed against the drafter. Both parties acknowledge that they have had the opportunity to review these Terms and consult with counsel of their choosing.

Electronic Communications And Signatures

By using the Services, you consent to receive electronic communications from Company, including notices, agreements, disclosures, and other communications that Company may be required by law to send to you. You agree that all agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications be in writing. You further agree that your electronic acceptance of these Terms constitutes your signature, acceptance, and agreement as if actually signed by you in writing, and that such electronic acceptance shall be binding and enforceable. You acknowledge that you have the ability to download, print, and retain a copy of these Terms for your records.

15. Contact Information

If you have any questions, concerns, or comments regarding these Terms or the Services, please contact us at legal@propertytaxexaminer.com or through the contact mechanism provided on the PropertyTaxExaminer.com website.

For informational purposes only.