Effective Date: 3 July 2026

This Refund Policy applies to all services, submissions, subscriptions, packages, credit bundles, and professional services provided by Swiftax Ltd through Swiftax (https://swiftax.co.uk).

By purchasing or using any Swiftax service, you agree to this Refund Policy in full.

1. Company Information

• Swiftax Ltd * Company Number: 15695200

• Email: info@swiftax.co.uk

2. Nature of Services

Swiftax provides digital tax filing software, submission services, subscription services, accountant/advisory services, VAT and MTD-related services, and credit-based filing functionality.

Users may create and maintain an account free of charge. Charges apply only when purchasing credits, packages, subscriptions, or filing submissions.

3. General No-Refund Policy

All purchases made through Swiftax are final and non-refundable unless expressly stated otherwise in this policy.

This includes but is not limited to:

• Credit bundles

• Filing credits

• Agent packages

• MTD packages

• Monthly subscriptions

• Annual subscriptions

• Professional/accountancy/advisory services

• Submission fees

• Digital filing services

• All packages listed on the website (https://swiftax.co.uk).

Once purchased, credits and packages remain valid for up to two (2) years from the date of purchase and may be used during that validity period.

Unused credits do not constitute grounds for a refund.

4. Duplicate Payments

If a customer is accidentally charged twice for the same transaction, Swiftax may, at its sole discretion:

• refund one duplicate payment to the original payment method; or

• retain the payment as account credit(s)/token(s) usable within two (2) years.

Customers must notify Swiftax promptly regarding duplicate payments. The refund request must be raised via email to info@swiftax.co.uk only within 72 hours of the duplicate payment.

Swiftax reserves the right to investigate and verify duplicate payment claims before issuing any refund.

5. Credit Usage and Successful Submission

A credit is considered consumed only when a submission or filing is successfully transmitted and accepted through the relevant filing system or authority.

Once a filing, submission, or return has been successfully submitted using a credit:

• the credit is deemed fully used;

• the service is deemed fully delivered; and

• no refund, reversal, cancellation, or reimbursement shall be available.

Unused credits expire two (2) years from the date of purchase, unless a different validity period is expressly stated at the time of purchase. Any unused credits remaining after their expiry date will automatically lapse without compensation and shall not constitute grounds for a refund, reimbursement, extension, or cash redemption.

6. Failed Submissions

6.1 HMRC or Third-Party System Failures

If a submission fails due to:

• HMRC outages,

• third-party gateway failures,

• government system downtime,

• connectivity interruptions outside Swiftax’s control,

the filing credit shall remain unused in the customer’s account for future use.

No refund shall be due in such circumstances.

6.2 Customer Errors

No refund shall be issued where submission issues arise due to:

• incorrect information entered by the customer;

• invalid authorisation;

• expired credentials;

• inaccurate tax data;

• customer non-compliance;

• failure to follow instructions;

• duplicate submissions initiated by the customer.

In such cases, unused credits may remain available within the validity period where technically possible.

6.3 Technical Issues Attributable to Swiftax

If a submission cannot be completed solely due to a verified technical fault directly attributable to Swiftax, and the issue remains unresolved within a reasonable period, Swiftax may, at its sole discretion:

• restore unused credits;

• issue account credit; or

• provide a refund.

Any such refund decision shall be subject to investigation, verification, Stripe/payment processor deductions, administrative costs, fraud checks, and these Terms.

Swiftax is not obligated to issue refunds for temporary interruptions, maintenance periods, browser incompatibilities, internet failures, or issues outside its direct control.

7. Payment Processing Fees

Payment processors, including Stripe and other third-party gateways, may deduct non-refundable transaction fees from payments and refunds.

Where permitted by applicable law, Swiftax reserves the right to:

• deduct non-recoverable transaction fees;

• deduct administrative handling costs;

• issue partial refunds instead of full refunds;

• provide account credit in place of monetary refunds.

Where permitted by applicable law, any non-recoverable payment processing fees and administrative costs may be taken into account when determining the amount of any refund.

8. Subscriptions

Subscription fees are billed in advance and are generally non-refundable.

Customers are responsible for cancelling subscriptions before the next billing cycle.

Cancellation prevents future billing only and does not entitle customers to refunds for:

• current billing periods;

• partially used periods; or

• unused services.

9. Advisory and Professional Services

Fees paid for accountant, advisory, consultation, tax assistance, or professional support services are non-refundable once work has commenced.

This includes:

• reviews,

• consultations,

• communications,

• filings,

• document preparation,

• tax analysis,

• support activity,

• compliance work.

10. Consumer Rights and Digital Services

By purchasing and using Swiftax services, the customer expressly requests immediate access to digital services and acknowledges that service performance may begin immediately after purchase.

To the maximum extent permitted by applicable law, customers acknowledge that their statutory cancellation rights may be lost once digital services, submissions, filing preparation, or related performance has commenced.

Nothing in this policy excludes rights that cannot legally be excluded under applicable UK consumer protection laws.

11. Chargebacks and Payment Disputes

Customers agree to contact Swiftax before initiating chargebacks or payment disputes.

Fraudulent, abusive, or unjustified chargebacks may result in:

• suspension of account access;

• cancellation of services;

• refusal of future service;

• legal recovery action where appropriate.

Swiftax reserves the right to submit evidence of service access, account activity, submission logs, IP records, and system usage in response to disputes.

12. Refund Processing

Approved refunds, where applicable, shall be issued only to the original payment method used during purchase.

Refund timelines depend on banking institutions, Stripe, payment processors, and card issuers.

Swiftax does not control external processing timelines and accepts no liability for delays caused by third-party financial institutions.

13. Account Credits

Swiftax may, at its sole discretion, provide account credits instead of monetary refunds.

Account credits:

• are non-transferable;

• carry no cash value;

• are non-withdrawable;

• expire after two (2) years from issuance unless otherwise stated.

14. Fraud Prevention

Swiftax reserves the right to refuse refunds where there is evidence of:

• abuse of the platform;

• suspicious activity;

• misuse of credits;

• repeated refund requests;

• policy manipulation;

• attempted fraudulent activity.

15.Policy Changes

Swiftax reserves the right to amend or update this Refund Policy at any time without prior notice.

The latest version published on the website shall apply.

16. Contact

For refund-related enquiries, contact:

Email: info@swiftax.co.uk