Advertising Disclosures

Updated December 2025

Appeals, Protests, and Grievance
The percentage of Ownwell customers that receive a reduction on their assessment value is calculated based on customers who have completed an appeals process up until 12/31/2025 in active Ownwell states.

The average assessment reduction percentage is calculated based on successful appeals in active Ownwell states up until 12/31/2025 and has the formula:
[ 1 - \left( \frac{\text{Final Property Tax Market Value Assessment}}{\text{Original Property Tax Market Value Assessment}} \right) ]

The average annual dollar savings are calculated based on customers who have been invoiced for appeals in active Ownwell states up until 12/31/2025 or have had a successful exemption filing.

Bill reduction
The percentage that saves is calculated based on our largest bill category of fully complete internet bill reduction operations starting in May of 2024.

The average dollar savings is calculated based on successful internet and phone bill reductions from 2024 that result in monthly savings.

The time to activate is estimated based on a normal person's ability to enter information into the Ownwell online portal and submit a bill for bill reduction, assuming the information and bill is available on hand.

Exemption
The average first year savings is estimated based on the standard deduction(s) for Texas residents. Actual savings will vary depending on the county and other factors.

The average tax refund is calculated based on successful exemption activations with refunds in Texas since 2023.

The time to sign up is estimated based on a normal person's ability to complete the Texas exemption application process on the Ownwell online portal, assuming an up-to-date driver's license is available on hand.

Total Savings:

The total savings is the estimated property tax savings by customers since 2020, which include appeal and exemption savings, both one-time retroactive refunds and ongoing annual deductions, from Ownwell.

More savings than most competitors:
The percentage of savings more than competitors is calculated using the assessment reduction after contingency fees of six property tax companies operating in markets that Ownwell operates in. Savings is across all property types and data is last updated as of December 2023.

Ownwell Referral Program Terms & Conditions for Gift Card Rewards

Overview
Ownwell offers referral programs that reward gift cards to existing customers for referring new customers to our property tax appeal services ("Gift Card Rewards Programs"). These Terms & Conditions govern all aspects of the Gift Card Reward Programs and may be modified at Ownwell's sole discretion at any time without prior notice. These Terms & Conditions are in addition to the Ownwell Terms of Service and Privacy Policy, which also apply to you. The Gift Card Rewards Programs are void where prohibited or restricted by law. By participating in the Gift Card Rewards Programs, you agree to be bound by these Terms & Conditions.

Eligibility Requirements

Eligible Customers
Ownwell customers must meet the following requirements to be eligible to participate in the Gift Cards Rewards Program:

You must be an existing Ownwell customer in good standing.
You must be a legal resident of the United States.
You must comply with all laws and regulations applicable to your participation in the Gift Card Rewards Programs.

Eligible Referrals
To be eligible to receive a reward, the referrals you make ("Referrals") must meet the following requirements:

Referrals must be for new customers who have not previously used any Ownwell services.
Each Referral must be for a unique property that has not been previously registered with Ownwell.
Self-referrals are not permitted.
Referrals must result in a completed property tax appeal through Ownwell.
Referrals must result in a paid invoice with Ownwell.
Only tax appeal services qualify for the referral program; other Ownwell services are excluded.
Referrals are only valid in states where Ownwell currently provides tax appeal services (California, Florida, Georgia, Illinois, New York, Texas, and Washington).

Reward Conditions

Rewards will be issued only after the referred customer has completed an appeal process with Ownwell.
An appeal is deemed completed only if: (a) Ownwell has submitted a formal appeal to the relevant tax authority, (b) the appeal process has concluded, and (c) Ownwell's invoice for the applicable appeal services has been paid.
Limit of one reward per unique property, regardless of multiple referrals for the same property.
Rewards for eligible Referrals for properties located in Texas will be distributed in the form of gift cards as specified in the current program offer. For eligible Referrals of properties located in California, Florida, Georgia, Illinois, New York, and Washington, rewards will be in the form of a $20 credit to the Ownwell customer's account.
Each Ownwell customer may receive a maximum of 30 gift card rewards per calendar year for eligible Referrals for properties located in Texas. For each additional eligible Referral in excess of 30, customer will receive a $20 credit to their Ownwell account.
Reward fulfillment may take up to 60 days after an appeal is completed.

Program Restrictions

The use of spam, automated systems, scripts, or other unauthorized means to generate referrals is prohibited.
Ownwell reserves the right to delay, deny, or revoke rewards for any Referrals that appear fraudulent, abusive, or in violation of these Terms & Conditions.
Rewards cannot be combined with other promotions or discounts.

Program Modifications and Termination

Ownwell reserves the right to modify, suspend, or terminate the Gift Card Rewards Programs at any time without prior notice.
In the event of program termination, Ownwell will honor pending qualified Referrals that were initiated prior to termination.
Ownwell reserves the right to change the reward structure, eligibility requirements, or any other aspect of the Gift Card Rewards Programs at its sole discretion. Any such changes will apply prospectively.

Tax Implications

All rewards may be considered taxable income. You are solely responsible for all federal, state, or local tax liability that may arise from your receipt of rewards.
If the aggregate rewards paid to you in a calendar year (in connection with all Ownwell rewards programs) are $600 or more, Ownwell may be required to issue a Form 1099 to you for that calendar year.

Ownwell Leaderboard Program Terms & Conditions

Overview Ownwell offers the Leaderboard Program, which rewards the top ten (10) customers who generate the most eligible referrals during the time period specified below. These Leaderboard Program Terms & Conditions ("Program Terms & Conditions") govern all aspects of the Leaderboard Program and may be modified at Ownwell's sole discretion at any time without prior notice. These Program Terms & Conditions are in addition to the Ownwell Terms of Service and Privacy Policy, both of which are incorporated into these Program Terms & Conditions by reference. The Leaderboard Program is void where prohibited by law. By participating in the Leaderboard Program, you agree to be bound by these Program Terms & Conditions, as well as Ownwell's Terms of Service and Privacy Policy.

Program Period The Leaderboard Program begins on June 22, 2026, and ends on July 19, 2026 (the "Program Period"). Ownwell reserves the right to extend or shorten the Program Period at its sole discretion.

Eligibility Requirements

Eligible Participants
To be eligible to participate in the Leaderboard Program, you must:

Be an existing Ownwell customer with no delinquent or outstanding invoices.
Be a natural person who is a resident of Georgia.
Be at least 18 years of age.
Comply with all laws and regulations applicable to your participation.
Not be an employee, contractor, or immediate family member of an employee or contractor of Ownwell.

Eligible Referrals To qualify as an eligible referral (an "Eligible Referral"), the following requirements must be met:

Referral must be a natural person who is at least 18 years of age.
Referral must not be an employee, contractor, or immediate family member of an employee or contractor of Ownwell.
Referrals must be for new customers who have not previously purchased any Ownwell services.
Each referral must be for a property that has not been previously registered with Ownwell.
Self-referrals are not permitted.
Referrals must result in a completed property tax appeal through Ownwell.
Referrals must result in a paid invoice with Ownwell.
Only referrals to Ownwell's tax appeal services qualify for the Leaderboard Program; other Ownwell services are excluded.

Program Description The Leaderboard Program rewards the top ten (10) participants who generate the most Eligible Referrals each week during the Program Period with payments toward their property taxes as follows (awarded weekly):

First place: $500
Second place: $300
Third place: $200
Fourth through tenth place: $100 each

Winners will be announced via email or post via Ownwell's social media accounts on instagram. In the event of a tie for any position, the tied participants will split the combined reward for the tied positions equally. For example, if two participants tie for first place, each will receive $400 (the average of $500 and $300).

Reward Conditions

Winners will be notified approximately 90 days after Ownwell has confirmed all winners. Rewards will be applied to each winner's tax bill only upon completion of their appeal process with Ownwell. An appeal is deemed completed only if: (a) Ownwell has submitted a formal appeal to the relevant tax authority, (b) the appeal process has concluded, and (c) Ownwell's invoice for the applicable appeal services has been paid in full.
Limit of one Eligible Referral per property, regardless of multiple referrals for the same property.
Reward fulfillment may take up to 90 days after the Program Period ends.
Rewards will be paid directly to the winner's property tax account or via an alternative method determined by Ownwell at its sole discretion.
If a winner does not have a property tax obligation at the time that rewards are issued, or if the winner's outstanding property tax obligations are less than the reward amount at the time of delivery, Ownwell reserves the right to provide the reward in an alternative form of equivalent value.

Program Restrictions

The use of spam, automated systems, scripts, or other unauthorized means to generate referrals is prohibited.
Rewards cannot be combined with other promotions or discounts. This means that winners of our Leaderboard Program will not be eligible to win our Sweepstakes Program.
Participants are responsible for ensuring that their participation complies with their employer's policies regarding receipt of incentives or rewards, if applicable.
Ownwell reserves the right to verify the eligibility of all participants and referrals.
Ownwell reserves the right to disqualify any participant who tampers with the referral process or operation of the Leaderboard Program, who violates of these Program Terms & Conditions or any applicable laws relating to the Leaderboard Program, or who otherwise acts in an unsportsmanlike or disruptive manner in connection with their participation in the Leaderboard Program.

Program Modifications and Termination

Ownwell reserves the right to modify, suspend, or terminate the Leaderboard Program at any time without prior notice.
In the event of program termination before the end of the Program Period, Ownwell will finalize the Leaderboard totals based on then-pending qualified Eligible Referrals that were initiated prior to termination, and will issue rewards based on those totals. Ownwell reserves the right to modify any prize issued by substituting an alternative award with an estimated value that is equal or greater than the prize described in "Program Description" at Ownwell's sole discretion, with or without notice.
Ownwell reserves the right to change the reward structure, eligibility requirements, or any other aspect of the Leaderboard Program at its sole discretion, which will be effective upon posting.

Representations and Warranties

By participating in the Leaderboard Program, you represent and warrant that (a) you have all rights and authorizations necessary to participate in this Leaderboard Program and perform the obligations specified in these Program Terms & Conditions, including, for each referral that you provide to Ownwell, all rights and authorizations to provide the name, e-mail address, and other personal information of such referral for processing by Ownwell on the terms specified herein); (b) your referrals do not infringe upon or otherwise violate any right of any third party; (c) each entry complies in all respects with these Program Terms & Conditions.

Tax Implications

Publicity

By participating in the Leaderboard Program, you grant Ownwell the right to use your name, likeness, and testimonial for promotional purposes without additional compensation, unless prohibited by law. Additionally, Ownwell may use your contact information to (a) provide information to you about the Leaderboard Program (including any changes to these Program Terms & Conditions); (b) contact and publicize potential winners; and (c) provide the reward(s) described above to the winner(s). Except as otherwise specified herein, all personal information processed pursuant to your participation in this Leadership Program will processed in accordance with Ownwell's Privacy Policy.

Limitation of Liability

By participating in the Leaderboard Program, you agree to release, discharge, indemnify, and hold harmless Ownwell and its officers, directors, employees, and agents from any liability arising out of or relating to your participation in the Leaderboard Program, or your receipt or use of any reward received pursuant thereto.

Governing Law

These Program Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Texas and Georgia, without regard to its conflict of laws principles.