Initial version: 17 November 2025

Last updated: 13 February 2026

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This Refund & Cancellation Policy explains the conditions under which clients of Simplex Tax (Yosyf Ivanyuk Jednoosobowa Działalność Gospodarcza and Yosyf Ivanyuk Consulting - F.Z.E.) may request refunds for purchased services.

By purchasing any service, consulting package, or written opinion, you acknowledge and agree to the terms below.

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1. General Policy

Simplex Tax provides professional consulting services, including:

• Written tax opinions

• Double-taxation assessments

• SME and corporate tax advisory

• International tax residency planning

• Consultations (video or phone)

• Document preparation and strategy reports

Because these services are customized, intellectual, and time-based, all fees become non-refundable once work has begun.

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2. Refunds Before Work Begins

Clients may request a refund before any work or preparation has started.

Work is considered “started” once:

• We have received client documents or information, or

• We have scheduled and prepared for a consultation, or

• We have begun any analysis, research, or drafting.

If no work has been performed yet, a full refund will be issued within 7 business days to the original payment method.

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3. Written Services (Reports, Opinions, Analyses)

All written services (including tax opinions, structuring reports, and written advisory packages) are non-refundable once data has been submitted by the client or drafting has begun.

Due to the nature of personalized consulting services, the right to withdraw is waived once the service starts, in accordance with:

• Art. 38(1)(3) of the Polish Consumer Rights Act

• Directive 2011/83/EU, Art. 16(l) (digital content exception)

• Article 7 of UAE Federal Decree-Law No. (14) of 2023 (concerning Trading through Modern Technology)

• Article 10 of UAE Federal Law No. (15) of 2020 (concerning Consumer Protection)

• Immediate performance upon customer request

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4. Consultation Appointments

4.1 Cancellations

You may cancel or reschedule a consultation up to 24 hours before the scheduled time for a full refund (if no preparatory work has been done).

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4.2 Late Cancellations & No-Shows

If you cancel within 24 hours, or fail to attend, the fee is non-refundable, as the time slot has been reserved exclusively for you.

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4.3 Preparation Work

If any preparatory review of documents, forms, or tax materials was completed before the session, the booking becomes non-refundable, even if the session has not yet occurred.

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5. Service Packages

Some packages include multiple steps (document review, calls, written reports, follow-up analysis).
These packages are non-refundable once any component has been delivered.

If no part of the package has begun, you may request a refund according to Section 2.

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6. Billing Errors & Duplicate Charges

If you believe you were charged incorrectly, please contact us within 7 days at:

📧 ask.us@taxsimplex.com

We will investigate and issue corrections for verified errors.

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7. Chargebacks

Before initiating a chargeback through your bank or credit card provider, you agree to:

1. Contact us to resolve the issue, and

2. Allow us reasonable time to investigate.

Unwarranted chargebacks (where services were delivered) may be disputed with supporting documentation.

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8. Legal Basis for Non-Refundability (EU, Poland & UAE)

Under EU, Polish, and UAE law, the consumer’s right to withdraw or refund does NOT apply to:

• (a) Services fully performed or commenced: If the consumer gave express consent and acknowledged losing the right to withdraw (Art. 38(1)(1) Polish Consumer Rights Act; Art. 13 of UAE Federal Decree-Law No. 14 of 2023).

• (b) Digital content/services delivered immediately: With consumer’s express consent (Art. 38(1)(13) Polish Act).

• (c) Personalized or customized consulting: Services tailored to the client's specific requirements (Art. 10 of UAE Federal Law No. 15 of 2020; Art. 38(1)(3) Polish Act).

By ordering any service from Simplex Tax, the client:

1. Requests immediate performance.

2. Acknowledges loss of the withdrawal/refund right once performance begins, as per the UAE Civil Transactions Law principle that the contract is the law of the parties.

3. Understands that customized consulting is non-refundable due to its personalized nature.

UAE Professional Service Standard: Under Federal Decree-Law No. 14 of 2023, the right to return or refund does not apply to services that are:

1. Executed immediately upon the consumer's request.

2. Personalized or bespoke (e.g., custom tax opinions or any other custom services related to the economic activities of Simplex Tax).

3. Digital content where performance has begun with the consumer's consent: by proceeding with a paid booking or the payment of an invoice (whichever occurs first), you provide your express consent for the immediate commencement of professional services.

You acknowledge and agree that our tax advisory services are bespoke and highly personalized in nature; therefore, pursuant to UAE Federal Law No. 15 of 2020 and Art. 38 of the Polish Consumer Rights Act, you hereby waive your statutory right of withdrawal and any right to a refund once performance has commenced.

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9. Processing Time for Approved Refunds

Approved refunds are issued within 7 business days.
Your bank or card issuer may require additional time to post funds.

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10. Contact Information

For all refund and billing inquiries, contact us at:

Simplex Tax (Yosyf Ivanyuk Consulting - F.Z.E. or Yosyf Ivanyuk JDG)
📧 Email: ask.us@taxsimplex.com