Terms of Service

These Terms of Service (“Terms”) govern your use of Speculy, a property tax research tool operated by Speculy LLC (“we”, “us”). By creating an account or using Speculy, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

When we say “Service”, we mean the Speculy website, application, and any related tools or features, whether delivered within a web browser, mobile application, or another format.

These Terms contain a limitation of our liability, a binding arbitration clause, and a class-action waiver.

1. What Speculy Is (and Is Not)

Speculy is software that analyzes publicly available data from county appraisal offices across Texas (the county appraisal districts) and generates informational reports about potential property tax protest arguments. Speculy is sourced from county appraisal offices' public data released under Texas Government Code Chapter 552.

Speculy is not a law firm, licensed appraisal firm, attorney, tax advisor, or registered property tax consultant under Texas Occupations Code Chapter 1152. We do not represent you before any appraisal review board, do not act as your agent, and are not affiliated with any Texas appraisal district or Texas state agency.

No attorney-client, consultant-client, or fiduciary relationship is created by your use of Speculy. Our output is general information — not legal advice, tax advice, or an appraisal. For professional advice, consult a licensed Texas attorney, TDLR-registered property tax consultant, or licensed appraiser.

2. AI-Generated Content

Speculy uses algorithmic and AI-generated analysis, including narrative text for protest filings. AI output may be inaccurate. You should not rely on output without independent verification. You are solely responsible for reviewing and verifying all content before submitting it to your county's appraisal office (the county appraisal district) or any other government agency.

3. The Speculy Assistant (AI Co-Pilot)

Speculy Assistant is an optional AI feature — a conversational co-pilot that reads your appraisal district record, explains your assessment, answers your questions, and helps you get your facts ready to act. It is powered by third-party artificial-intelligence (large language model) providers. How the messages you type are processed and retained is described in our Privacy Policy.

What it is not. Speculy Assistant is software. It is not a lawyer, tax advisor, appraiser, or registered property tax consultant under Texas Occupations Code Chapter 1152, and it does not represent you before any appraisal district or appraisal review board. Using it does not create an attorney-client, consultant-client, or fiduciary relationship, and it does not perform professional legal, tax, or appraisal services. Its answers are general information only.

Its answers can be wrong. Like all AI, the Assistant can be inaccurate, incomplete, or out of date. Its conversational answers are informational only, are not a substitute for a licensed attorney, appraiser, or registered property tax consultant, and nothing it says promises or assures any protest outcome, reduction, or savings. Review anything it tells you, and verify it against your own records, before you rely on it or submit it to your county's appraisal office (the county appraisal district) or any other government agency.

It helps you prepare — you stay in control. The Assistant can ask you questions and, using your answers, fill in or correct facts on your own property record in your own words (for example, updating a measurement you tell it is wrong). Any such correction is your statement about your own property, and you are responsible for its accuracy — the same responsibility described in “Your Filings Are Your Responsibility” below, including the perjury and governmental-records statutes cited there. The Assistant prepares and fills in alongside you; it never files, pays, signs, checks a box on a protest form, or submits anything for you. Those remain your actions, taken by you on Speculy's dedicated screens.

4. Your Filings Are Your Responsibility

When you use Speculy to prepare a protest, you are the filer. Anything you submit to your county's appraisal office (the county appraisal district) is your statement, under your name. You are responsible for verifying the accuracy and completeness of all information before submission. Knowingly filing a false statement may constitute perjury under Texas Penal Code § 37.02 or tampering with a governmental record under § 37.10.

5. No Guarantee of Outcome

Speculy makes no guarantee of any tax reduction, protest outcome, or savings amount. Estimates and statistics shown in the product are illustrative, not predictive. Past results do not guarantee future outcomes. You may receive no reduction.

6. Accuracy and Use at Your Own Risk

We design our Service with care, based on our own experience and publicly available data. However, there is no such thing as a service that pleases everybody. We make no guarantees that the Service will meet your specific requirements or expectations.

All output is generated from automated analysis of public data and may contain errors, omissions, or stale information. We do not guarantee accuracy, completeness, or reliability. Any decisions you make based on Speculy's output — including filing a protest or presenting evidence at a hearing — are at your sole risk.

7. Your Account

You are responsible for maintaining the security of your account and password. The Company cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

You are responsible for all content posted to and activity that occurs under your account. You must be a human. Accounts registered by automated methods are not permitted.

If you are using a free version of the Service, it is really free: we do not ask you for your credit card and we do not sell your data. Some paid features — which may include the full depth of the Speculy Assistant — require a purchase. Paid access to Speculy is a one-time fee per property for a protest season (not a recurring subscription). The price shown to you at checkout, at the time of purchase, is the price that governs. Payments are processed by Stripe.

8. Privacy and Security

Your use of the Service is at your sole risk. We provide this Service on an “as is” and “as available” basis.

We take measures to protect and secure your data through encryption, redundancies, and access controls. We enforce encryption for data transmission from the public Internet. No system is perfectly secure. Your data is processed as described in our Privacy Policy, which explains how messages you send to the Speculy Assistant are processed by our AI providers and how those conversations are retained. We use third-party vendors and hosting partners listed in our Privacy Policy to provide the necessary infrastructure to run the Service.

9. Limitation of Liability

You expressly understand and agree that the Company shall not be liable, in law or in equity, to you or to any third party for any direct, indirect, incidental, lost profits, special, consequential, punitive or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if the Company has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Service; (ii) the cost of procurement of substitute goods and services; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; (v) or any other matter relating to these Terms or the Service, whether as a breach of contract, tort (including negligence whether active or passive), or any other theory of liability.

Liability cap: Our total liability shall not exceed the greater of (a) fees you paid us in the preceding 12 months, or (b) $100.

This limitation does not exclude liability for gross negligence, willful misconduct, fraud, or personal injury that applicable law does not permit to be excluded.

10. Indemnification

You agree to indemnify and hold harmless Speculy LLC, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or any content you submit to your county's appraisal office (the county appraisal district) or any government agency using the Service.

11. Binding Arbitration and Class-Action Waiver

This section affects your legal rights. Please read carefully.

Any dispute arising from or relating to these Terms or the Service shall be resolved by binding individual arbitration under the American Arbitration Association Consumer Arbitration Rules in Harris County, Texas. You waive any right to a jury trial. You waive any right to participate in a class, collective, or representative action.

Either party may bring a claim in small-claims court or seek injunctive relief for intellectual property protection. You may opt out of this arbitration clause within 30 days of accepting these Terms by emailing support@speculy.ai with the subject “Arbitration Opt-Out.” This clause is governed by the Federal Arbitration Act.

12. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict of laws provisions. Subject to the arbitration clause above, any legal proceedings shall take place in the state or federal courts located in Harris County, Texas.

13. Data Retention

We keep your information for the time necessary for the purposes for which it is processed. The length of time for which we retain information depends on the purposes for which we collected and use it and your choices, after which time we may delete and/or aggregate it. We may also retain and use this information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Assessment data generated during a protest season — including comparable property analysis, AI-generated narrative text, and computed case results — is retained for up to two (2) years from the close of that protest season, after which it is permanently deleted.

Your live conversations with the Speculy Assistant are not stored after your session ends; we retain only an operational log of each exchange (such as timing, usage counts, and any flagged safety event) for security and abuse-prevention. This is described further in our Privacy Policy.

You are responsible for keeping your own records. The evidence packet, cover letter, and any documents you download during the season are your records of the protest. We strongly recommend saving all downloaded files for your personal records. Speculy does not offer historical look-back of prior season assessments as a product feature.

If you choose to cancel your account, your content will become immediately inaccessible and should be purged from our systems within 60 days. Account deletion requests are honored within 30 days per the Texas Data Privacy and Security Act (TDPSA). For questions about data retention, contact us at support@speculy.ai.

14. Changes to These Terms

We may update these Terms in the future. Whenever we make a significant change to these Terms, we will refresh the date at the top of this page and take appropriate steps to notify account holders. Material changes may require you to re-accept these Terms before continuing to use the Service. Continued use after changes constitutes acceptance of the revised Terms.

Contact

Speculy LLC · Harris County, Texas
support@speculy.ai