Refund Policy

This Refund Policy applies to all paid subscriptions purchased through Pivitax, a web-based expense and receipt tracking application designed for UK sole traders and freelancers. All payments are processed in GBP and handled by Paddle. This policy forms part of your agreement with Pivitax and should be read alongside our Terms & Conditions and Privacy Policy.

1. Scope

1.1 This policy applies to all paid subscriptions purchased through Pivitax at https://pivitax.com.

1.2 By subscribing to Pivitax, you agree to the terms set out in this policy.

1.3 All payments are processed in GBP and handled by Paddle.

2. Eligibility for Refunds

2.1 Free Trials. If Pivitax offers a free trial period, no charge is made during that period. If you cancel before the trial ends, you will not be charged. Refunds are not applicable to free trial periods as no payment is taken.

2.2 Subscription Cancellation — Monthly Plans. Monthly subscribers may cancel at any time with at least 14 days' notice before their next renewal date. Access continues until the end of the current billing period. No refunds are issued for unused days once the billing period has begun.

2.3 Subscription Cancellation — Annual Plans. Annual subscribers must provide a minimum of 30 days' written notice to info@pivitax.com before their renewal date to avoid being charged for the following year. No refunds are issued for the unused portion of an annual subscription once it has begun, except as required by UK consumer law.

2.4 Exceptions — We Will Consider a Refund If:

• You were charged in error (for example, a duplicate charge or a billing error on our part);
• You were unable to access the platform due to a verified technical fault on Pivitax's side that persisted for a significant portion of your billing period and was not resolved within a reasonable time;
• You requested cancellation within 14 days of your first-ever paid subscription (see clause 2.4 below); or
• Any other circumstances required by applicable UK consumer law.

2.5 14-Day Cooling-Off Period (New Subscribers Only). Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, if you are a consumer (rather than a business) and you subscribe to Pivitax for the first time, you have a 14-day right to cancel from the date your subscription begins and receive a full refund, provided you have not made substantial use of the service during that period. If you have actively used Pivitax (for example, by uploading receipts, generating tax reports, or connecting your bank account) during those 14 days, your right to a full refund under this provision may be reduced proportionately to reflect the use you have had.

2.6 Renewals. Refunds are not provided for subscription renewals unless there has been a billing error or a qualifying technical fault as described in clause 2.3.

2.7 Downgrading or Upgrading Plans. If you downgrade your plan part-way through a billing period, the change will typically take effect at the start of your next billing cycle. Refunds for the difference in price mid-cycle are not ordinarily provided. If you upgrade, any additional charge will be applied on a pro-rata basis.

3. Non-Refundable Items and Services

3.1 The following are not eligible for a refund under any circumstances, except where required by law:

• Any subscription period in which you have actively used the Pivitax platform (including uploading or scanning receipts, running expense reports, using AI-assisted features powered by Anthropic Claude, or connecting your bank account via TrueLayer);
• Subscription fees for periods already elapsed at the time a refund request is submitted;
• Any fees charged by third-party services connected to your account (for example, bank connection fees, if applicable);
• Partial months or periods on annual plans where you cancel mid-year, unless clause 2.3 or 2.4 applies.

4. How to Request a Refund

4.1 To request a refund, cancel your subscription via the Cancel Subscription button in your account profile, then email us at info@pivitax.com with the subject line "Refund Request" if you believe you qualify under the exceptions above.

4.2 Please include the following information in your request:

• Your full name and the email address associated with your Pivitax account;
• The date of the charge you are disputing;
• The reason for your refund request; and
• Any supporting evidence (for example, screenshots of an error or correspondence).

4.3 We will acknowledge your request within 3 business days and aim to provide a decision within 10 business days of receiving all necessary information.

5. Processing Time and Method

5.1 If your refund is approved, it will be processed back to the original payment method used at the time of purchase, via Paddle.

5.2 Please allow up to 10 business days for the refund to appear in your account once it has been approved. Timescales may vary depending on your card issuer or bank.

5.3 Pivitax does not issue refunds by cheque, bank transfer, or any method other than the original payment method unless there is a specific reason why this is not possible, in which case we will agree an alternative with you.

6. Chargebacks

6.1 We ask that you contact us at info@pivitax.com before initiating a chargeback with your bank or card provider. In many cases, we can resolve billing disputes quickly and without the need for a formal chargeback process.

6.2 If you initiate a chargeback without first contacting us, we reserve the right to suspend or terminate your Pivitax account pending resolution of the dispute.

6.3 If a chargeback is found to be unwarranted, we may seek to recover any associated fees or losses as permitted by law.

7. Your Statutory Rights

7.1 This policy does not affect your statutory rights under UK law.

7.2 Under the Consumer Rights Act 2015, digital services must be provided with reasonable care and skill, and must be as described. If Pivitax fails to meet these standards, you may be entitled to a remedy, which could include a price reduction or a refund, depending on the nature and severity of the issue.

7.3 If you are a sole trader or freelancer purchasing Pivitax primarily for business purposes, some consumer protections (including the 14-day cooling-off period in clause 2.4) may not apply to you. If you are uncertain about your legal position, we recommend seeking independent legal advice.

7.4 Nothing in this Refund Policy excludes or limits any right you have under applicable UK legislation that cannot be excluded or limited by contract.

8. Contact

If you have any questions about this Refund Policy or wish to make a refund request, please get in touch:

Email: info@pivitax.com

Website: https://pivitax.com

We are committed to resolving any concerns fairly and promptly. If you are not satisfied with how we have handled your refund request, you may also wish to seek advice from Citizens Advice (citizensadvice.org.uk) or refer a dispute to an alternative dispute resolution scheme.