Refund Policy

Last updated: 17 November 2025

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

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

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.

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.

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)
Immediate performance upon customer request

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).

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.

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.

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.

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.

7. Chargebacks

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

Contact us to resolve the issue, and
Allow us reasonable time to investigate.

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

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

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

(a) Services fully performed before the withdrawal period ends

if the consumer gave express consent and acknowledged losing the right to withdraw
(Art. 38(1)(1) of the Polish Consumer Rights Act)

(b) Digital content delivered immediately

with consumer’s express consent
(Art. 38(1)(13))

(Art. 38(1)(3))

By ordering any service from Simplex Tax, the client:

Requests immediate performance
Acknowledges loss of the 14-day withdrawal right once performance begins
Understands that customized consulting is not refundable after work is started

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.

10. Contact Information

For all refund and billing inquiries, contact us at:

Simplex Tax (Yosyf Ivanyuk JDG)
📧 Email: ask.us@taxsimplex.com