1. General
Welcome to our website. These Terms and Conditions (“T&C) set forth the terms and conditions under which Unitrust Finance, Inc (dba RT Tax) (“we”, “us”) will provide the tax return preparation and/or related services to the Client (“you”).
These T&C along with the agreement for provision of the tax refund services signed by you (the “Agreement”) apply to the use of the services offered by us. By using any of our services, you are agreeing both to these T&C and the Agreement. If you do not accept the T&C, we cannot provide the services to you. If you have any questions related to these T&C, the Agreement and/or our services, please contact us at info@rttax.com.
2. Services
RT Tax is an online service provider providing tax refund services and related services from foreign countries (Great Britain, Ireland, Germany, USA, Norway, Denmark, Netherlands, Austria) to recover the personal income tax paid due to work abroad or on other grounds.
The use of RT Tax services is permitted for individuals over the age of 18 years and who are able to enter a legally binding contract.
Our services are subject to a service fee pursuant to the provisions of these T&C (see section 9 of these T&C for more information) and the Agreement.
3. Provision of Documents
In order to start the process of tax refund, the Client has to sign an Agreement with us and to provide us with the respective information, i.e. to file in the forms provided by us (paper forms or online information forms) and to provide the documents (originals and copies) required for the completion of tax refund. Please note that you have to provide us with the number of your bank account and other details described in the respective form as the refunded taxes (less our service fee) will be transferred to your bank account or will be settled in other payment methods (see section 5 of the T&C for more information).
For the Clients seeking tax refund from the USA: as the tax refund (less our service fee) will be transferred to the Payoneer, Inc card, you have to register for and obtain the Payoneer, Inc card. We can start the tax refund process only after your registration. Please find the template of the Payoneer, Inc card: www.payoneer.com.
The forms and the list of required documents are different for particular countries. Please find the template of the Agreement along with the set of particular forms and documents’ list by choosing a respective country on the upper bar of the homepage of this website www.rttax.com.
The set of filled documents should be provided to RT Tax in a paper form providing them to the office of the respective regional representative of RT Tax or sending them to the respective regional representative by post. Please find the contact address for the delivery by choosing a respective country on the upper bar of the homepage of this website.
For the Clients seeking tax refund from the USA: alternatively to the aforementioned means, you can deliver the set of documents via e-mail or via the online account that you can create on our website.
4. Client’s Account
Solely the Clients seeking tax refund from the USA can create an account on our website (the “Account”) on their own initiative and before the delivery of documents. In any case, it is not mandatory for the Clients seeking tax refund from the USA to create an Account before the delivery of documents (as they have a possibility to bring the documents directly to us or send them by post).
Every time, after we receive a set of documents filled by our Client, we create an Account for this Client (except the abovementioned exception for the Clients seeking tax refund from the USA if he/she has already created the Account on his/her own initiative earlier). We provide him/her with the log-in information to the Account. This enables you to monitor the status of the tax refund process. The Clients seeking tax refund from the USA can also provide the set of documents via the Account, but this option is not possible for the Clients seeking refund from other foreign countries.
The Account is free of charge.
When creating/using the Account and RT Tax services, you are obliged to follow the below-mentioned rules:
The specified profile data must be correct, complete, and must continuously be kept up-to-date. Multiple registrations are not permitted;
It is not permitted providing your password to any other person or using any other person’s username and password. The login credentials (including password) must be kept confidential. You must take appropriate measures to prevent the unauthorized use of the Account. In case third parties have had access to the login credentials, access data must be changed immediately.
You can delete your Account at any time without giving reasons;
Do not engage in any activity which is or includes material that:
(i) is illegal, or intended to promote or commit an illegal act of any kind;
(ii) is offensive, abusive, defamatory, pornographic, threatening, or obscene;
(iii) includes malicious content such as malware, Trojan horses, or viruses, or otherwise interferes with any user’s access to the RT Tax services;
(iv) impersonates or misrepresents your affiliation with another user, person, or entity, or is otherwise fraudulent, false, deceptive, or misleading;
(v) interferes with or in any way disrupts the RT Tax services, tampers with, breaches, or attempts to probe, scan, or test for vulnerabilities in the RT Tax services or RT Tax’s or its partners’ computer systems, network, usage rules, security components, authentication measures or any other applicable protection measures.
5. Tax Refund Process
After the Client submits all required documents to RT Tax or to RT Tax regional representative, all documents are passed on to RT Tax processing office. For the Clients seeking tax refund from the USA: RT Tax processing office starts filing of Client’s documents only afterwards the Client has registered for the Payoneer, Inc. card.
Once documents are received at RT Tax processing office, the Client receives notification by e-mail, informing about estimated refundable amount. (If you do not receive such notification, please contact RT Tax at info@rttax.com).
Later all documents are analysed by RT Tax specialists and tax refund declarations are sent to tax authorities.
After the refund is received, RT Tax informs the Client (by e-mail) that tax refund has been transferred to the Client’s provided bank account or, in the case of the Clients seeking tax refund from the USA, to the Client’s account of Payoneer, Inc card.
6. Liability
We will not be liable for any loss of income, loss of profits, loss of reputation, loss of customers, loss of use, loss of an opportunity even if we had knowledge that such damages or loss might arise or for any indirect, incidental, special or consequential damages or loss howsoever arising including without limitation breach of contract, negligence, wilful act or default.
We are not liable if we do not fulfil any obligations towards you at all as a result of circumstances beyond our control such as (but not limited to): (i) acts of god including earthquakes, cyclones, storms, flooding, fire, disease, fog, snow or frost; (ii) force majeure including (but not limited to) war, accidents, acts of public enemies, strikes, embargoes, perils of the air, local disputes or civil commotions; (iii) criminal acts of third parties such as theft and arson; (iv) your acts or omissions; (v) our refusal to make any illegal payments on your behalf.
RT Tax bears no liability for:
(i) the delays in refunding taxes if the delay is caused by the foreign tax or other competent institutions;
(ii) the failure to refund taxes, for the tax liability or for any other negative consequences, which occurred due to false, inaccurate or incomplete information provided by the Client or due to Client’s prior financial commitments to any foreign tax or other institutions;
(iii) the negative consequences incurred by the Client due to the changes in the applicable laws, rules, regulations or procedures applicable for the tax refund;
(iv) additional bank charges, if the bank needs to repeat the transfer because of the incorrect or not full information provided;
(v) and any fees charged by the Client’s or intermediary bank;
(vi) RT Tax is not liable if the Client has already received a tax refund; owes money to the relevant tax office; the tax authority information leads to a decision that Client is not due a refund.
7. Refund Amount
All the calculated refundable amounts provided by RT Tax are only estimated. These estimated amounts are based on the average refund amount of similar cases from the previous tax years. The final refundable amount is calculated and issued by the tax authorities of the particular tax authority.
Where there is a change in the applicable tax law in the country from which the tax refund is being reclaimed, or in the interpretation or implementation of the rules and laws by the tax authorities of that country, RT Tax will meet its commitment to organize the refund to the degree allowed by the law, interpretation and implementation by the tax authority in that country. The decision of the exact value of any refund due or amount owed is the decision of the relevant tax authority.
8. Refund Period
RT Tax will provide the refund as expediently as possible, subject to the provision of the necessary documents by the Client and the efficient processing of the refund application by the relevant tax office.
The refund period posted on RT Tax webpage and published in different RT Tax advertising material is the most common period for tax refund but it might be either longer or shorter. It depends on the documents that the Client has provided as well as on operating speed of the tax authorities of foreign countries.
Although the time needed by taxing authorities is not under the control of RT Tax, we strive to obtain your refund in the shortest time possible.
9. Service Fee and Additional Fees
RT Tax service fee for the tax refund from the particular foreign country is different.
RT Tax will not charge any upfront service fee to the Client. RT Tax service fees will be deducted from the refundable amount before the refund is issued to the Client. The Client agrees to compensate RT Tax for filing for tax refund. If the relevant tax authority sends the refund check or transfers money to Client’s bank account directly to the Client instead of sending it to RT Tax, the Client still must pay the relevant service fee to RT Tax.
The amount of the payable VAT (if applicable) shall be added to RT Tax service fee and additional fees. The RT Tax service fees may be changed by RT Tax unilaterally and shall be applicable to any request of the Client to provide the Services submitted after the Client has received notice on the change of fees.
For the Clients seeking tax refund from the USA: please be noted that there are cases when our Clients cannot benefit from the tax refund as it occurs that there is no Client’s overpayment of taxes in the territory of the USA but the tax debt of the Client. As you should know, a tax declaration to the USA tax authorities must be provided even in the case of the tax debt. If the amount of the tax refund that you can claim is too low (i.e. it would not cover our service fee) or if there is a tax debt, the following rules related to the delivery of our services will apply:
(i) when we find out that the tax refund available to you is too low to cover our service fee or there is a tax debt, we always contact you by e-mail and ask you for further instructions (i.e. whether you wish to cancel the process of tax refund, or you want to proceed with the provision of the tax declaration carried out by us);
(ii) in the case you wish to cancel the process of tax refund, we confirm the cancelation by e-mail additionally;
(iii) in the case you wish us to proceed with the provision of tax declaration, we calculate and provide you with the amount of the tax debt that you should pay to the tax authority along with the amount of the fee for our services and information on how to pay such fee. If such fee of our services is suitable to you and after you pay it to us, we provide you with the draft declaration and further instructions on how to sign and send it. PLEASE NOTE: it is your solely responsibility to sign and to send the tax declaration (we will not sign it for you and deliver it to the tax authority). Also, you are solely responsible for the payment of your tax debt to the tax authority.
(iv) when you do not provide us with further instructions on how to proceed, we do not take any further actions related to the provision of your tax declaration (although, we do not delete your file immediately). PLEASE NOTE: it is your solely responsibility to provide the tax declaration to the tax authority and we will never provide it without your instruction to do so and without your advance payment of the calculated fee for our services.
In the case the amount of the tax refund that you can claim is too low to issue the refund to you, but it covers our service fee, we prepare and provide the tax declaration on your behalf but you do not receive any tax refund to your account (as the tax refund will be received and held by us as your fee for our services).
Additional Fees
The Client undertakes to compensate to RT Tax expenses for additional services, related to document retrieval, personal number (e.g. SSN, PPS, NIN, etc.) verification, residency and non-residency document organization, where relevant amendment preparation for previous returns and certain payment options prevail. For information about the fee for the additional services rendered for an individual case, Client should contact RT Tax at info@rttax.com.
10. Issuing Tax Refund to the Client
The process of issuing the tax refund to the Client depends on the foreign country from which the tax refund is sought:
For tax refund from USA:
(i) If the tax refund is issued by the tax authority to the Payoneer, Inc card of the Client directly, Payoneer, Inc deducts the service fee and transfers it to us automatically.
(ii) If the tax refund is issued by the tax authority by check, the check is delivered to Payoneer, Inc. that encashes the check and transfers it to the Payoneer, Inc card of the Client. Payoneer, Inc deducts our service fee and transfers it to us automatically.
For tax refund from Great Britain:
(i) The tax refund issued by the tax authority is delivered in a form of a paper check. The paper check is delivered to our partner TT Express UAB that encashes it, deducts our service fee and transfers the tax refund to the bank account of the Client.
For the tax refund from other foreign countries:
(i) The tax refund is issued by the tax authority to the bank account of our partner TT Express UAB. TT Express UAB deducts our service fee and transfers the tax refund to the bank account of the Client.
If RT Tax for any reason cannot deduct its fee, Client must pay the fee to RT Tax before RT Tax will send the refund to Client.
The refund is issued to the Client using the information, which was provided by Client on the Refund Request Form. If Client’s address or bank information changes, Client is obligated to inform RT Tax as soon as possible at info@rttax.com. RT Tax is not responsible, if transfer is made or check is mailed to a wrong Client’s bank account or address.
Before filling Refund Request Form Client must call or visit his bank and find out how to make a transfer to his bank if payment is coming from foreign country.
In the case incorrect or not full information is provided, the Client undertakes to compensate additional bank charges of 50 (fifty) USD, in case bank needs to repeat the transfer.
RT Tax is not liable for any fees charged by Client’s bank or the correspondent bank for the bank transfer.
RT Tax has no control over the fees charged locally by the banks in bank wire transfers. RT Tax will not be liable for any changes in local bank charges, any currency exchange rates by the banks or any time period that the bank takes to process the wire transfer.
11. Missing Document Search Service
In some cases, when the Client does not provide us with a necessary form from his/her employer about the Client’s income and taxes withheld, RT Tax will have to contact the employer to get a copy of the mentioned form. If the Client’s employer refuses to cooperate and refuses to issue the form, RT Tax will not bear the responsibility for the tax refund.
For the Clients seeking tax refund from the USA (W2 form): As you should know, pursuant to the legal rules applicable in the USA, every employer must provide his former and current employees with a W2 form by the end of January of the coming year. The W2 form is essential for the application for tax refund in the USA. As regards your W2 form, the following rules related to the delivery of our services will apply:
(i) if the Client did not submit his W2 form for US tax refund and it is received by the Client later, the Client is obligated to bring or send it to the same office of the regional representative of RT Tax where his/her documents for the tax refund were submitted;
(ii) if the Client did not receive the W2 form from his/her employer, the Client undertakes to make every effort to receive it (e.g. contact the employer additionally and to ask for it);
(iii) if the Client does not deliver a W2 for by the 15th February, we start the search service of the W2 form automatically (this is subject to the additional fee for our service).
12. Social Security and Medicare (SSMT) Taxes from USA
RT Tax bears no responsibility for the SSMT tax refund if employer, who withheld these taxes from Client, refuses to cooperate with IRS or RT Tax.
The fee for the SSMT tax refund is charged separately from Federal and State tax refund.
13. Intellectual Property Rights
This website, your Account and respective materials related to RT Tax services, including any versions, revisions, corrections, modifications, enhancements and/or upgrades thereto, accompanying materials, services and any copies you are permitted to make under these T&C are owned by us or our licensors and are protected under intellectual property laws, including copyright laws and treaties. These T&C do not convey to you any interest in or to this website, the related software, your Account and respective materials related to RT Tax services, but only a limited, revocable right of use in accordance with the terms of these T&C. Nothing in these T&C constitutes a waiver of our intellectual property rights under any law.
RT Tax logos and trademarks are owned by us or our licensors, and no right, license, or interest in any such trademarks is granted hereunder.
14. Data Protection
We take data protection issues seriously. RT Tax ensures that all Client information is held as private and confidential.
Please find more information on how we process personal data in our Privacy Policy https://rttax.com/privacy-policy/ online or request for its printed form at our partners.
15. Governing Law and Dispute Resolution
These T&C shall be governed by and interpreted, and all rights and obligations of the parties shall be determined, in accordance with the substantive laws of State of Illinois, United States of America, excluding its conflicts of law rules.
Any dispute, controversy or claim arising out of or in connection with the RT Tax services, these T&C and/or the Agreement, or the breach, termination or invalidity thereof shall be settled by the courts of State of Illinois, United States of America.
16. Other Provisions
RT Tax communicates with the Clients via e-mail to the e-mail address provided by the Client. The Client should check his e-mail regularly for updates on tax refund status.
To the maximum extent permitted by the applicable law, RT Tax reserves the right, at its discretion, to make changes to any part of this website, its related services and/or these T&C should the need arise. Such changes will be posted on https://rttax.com/en/terms-and-conditions/. Clients are advised to check it regularly to receive these updates.
Should Client have any queries relating to the quality of service delivered, he is invited to email us at info@rttax.com.