ZippTax Terms & Conditions
UK Tax Claims Limited, trading as ZippTax
Company number 17311308 (England & Wales)
Effective from 4th September 2026 — Version 1.2
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These terms cover what we do for you, what we need from you, and what it costs. We've written them in plain English because tax is complicated enough already.
They're still a contract, so read them properly. If anything is unclear, email **admin@zipp.tax** before you sign. We answer fast and we don't mind the question.
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1. Definitions
Who's who, and what we mean when we say it.
- We", "us", "our"** — UK Tax Claims Limited, trading as ZippTax. Registered in England and Wales, company number 17311308, registered office [ADDRESS].
- "You", "your"** — you, or anyone you've nominated to deal with us on your behalf.
- "Claim"** — your instruction for us to recover overpaid tax from HMRC as a rebate.
- "Claim Form"** — the signed document that authorises us to act for you.
- "Website"** — www.zipp.tax
- "Privacy Policy"** — the policy on our Website setting out how we handle the personal and confidential information you give us.
- "Services"** — everything we offer, including (but not limited to) HMRC expenses claims, HMRC tax returns and other tax affairs.
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2. Our fees
No rebate, no fee. Here's exactly what we take.
2.1: You pay nothing up front. We take our fee from your rebate once HMRC has paid it to us.
2.2: Our standard fee is 37.5% of your refund, plus VAT
2.3: There's a minimum fee of £90 plus VAT on any successful claim.
2.4: Our fee applies to every refund we recover for you, including refunds for employment expenses such as underpaid mileage, laundry, uniform, food, tools and other work-related costs.
2.5: If a refund was already in progress before you came to us, and it lands as a result of the claim we submit, our fee applies to the full amount.
2.6: f you can show us clear evidence that a refund was already in progress, we may refund part of our fee. That's a judgement call on our side, not a promise.
2.7: Occasionally your tax affairs need work that goes beyond a standard PAYE expenses claim, more complex Self Assessment, for example. If that happens, we may charge an additional administration fee. We'll tell you before we do the work, send you a clear invoice explaining the charges, and it will never exceed £150.
2.8: If you owe HMRC money that we didn't know about when we submitted your claim, and that liability swallows your refund, we may ask you to pay our fee directly.
2.9: We review our rates once a year and we'll tell you before any change affects you. What you agreed when you signed is what you pay — we never apply an increase retrospectively. If you'd rather not continue, see section 8.
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3. What we need from you
This is the part that needs you.
3.1: Work with us. We can only do this properly if you do.
3.2: Give us the permissions we need to process your claim or rebate.
3.3: Get us the information we ask for promptly, and make sure it's true, accurate and complete — including chasing it up from third parties where you need to.
3.4: Keep your records, receipts and mileage logs for **seven years** after the end of the tax year your rebate relates to. HMRC can ask for them, and they'll ask you, not us.
3.5: Tell us about all your income, PAYE, self-employment, pension, rental, benefits, for every tax year we're working on. Same goes for what you've spent for the purposes of your work or business. Back it up with evidence (bank statements, receipts, logs) when we ask for it.
3.6: You approve your claim before it goes to HMRC. Approval has to come through the secure software in our client portal, or on documentation we've provided and you've signed. Nothing reaches HMRC without it.
3.7: If HMRC later claws money back because the information you gave us was wrong, that's on you — and you won't be able to recover our fee from us. If the mistake was ours, that's a different story and we'll put it right.
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4. What we'll claim for
Everything you're owed. Nothing you're not.
4.1: We'll work on your behalf to recover any overpayment you've made to HMRC, including all relevant and eligible employment expenses.
4.2: We'll claim for the tax years listed on your Claim Form, as far back as HMRC allows — currently four tax years.
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5. How we handle your claim
What happens once you've signed.
5.1: We use the information you give us to assess, calculate and submit your claim to HMRC.
5.2: We aim to submit within **14 days** of receiving your signed instruction. Occasionally it takes longer — HMRC, third parties, missing paperwork — and we'll keep you posted if so.
5.3: If we need anything more from you, we'll get in touch. Until your claim is submitted, we may hold, amend or cancel it.
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6. Where our responsibility ends
The honest limits.
6.1: If your claim is reduced or rejected because the information you gave us was inaccurate or incomplete, that's not on us.
6.2: We're not responsible if you'd already applied for or received a refund before coming to us, or if you owe money to HMRC.
6.3: If HMRC asks for a refund back after we've submitted it, our fee stands — the work was done.
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7. Estimates vs. the real thing
An estimate is our best maths. HMRC has the final say.
7.1: Any figure we give you before HMRC decides is an estimate, not a guarantee.
7.2: We're not liable if the final refund comes in lower than the estimate, or if there's no refund at all.
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8. Cancelling
You can walk away. Here's how it works.
8.1: You have 14 days from the date we confirm we've accepted your signed 64-8 authority to change your mind, no reason needed. That's your cooling-off period.
8.2: To cancel, contact the Claims Specialist looking after your claim.
8.3: After those 14 days you can still ask us to stop, and we'll do no further work on your behalf. But if we've already submitted a rebate and can't recover our fee from what it generates, you may be liable for the work we did before you cancelled.
8.4: We may also decline or end a claim ourselves, for example if we can't verify your identity, if the information doesn't stack up, or if we can't get what we need from you to do the job properly. If that happens, we'll tell you why.
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9. Paying you
Straight to your bank.
Once HMRC's funds have cleared with us, we take our fee and send the balance to you by bank transfer.
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10. Your data and anti-money laundering
We take this seriously. So does the law.
10.1: Our Privacy Policy on the Website sets out exactly what we collect, why we collect it, and who we share it with. We only share what we have to — principally HMRC and our identity-verification providers.
10.2: We're supervised by HMRC for anti-money laundering purposes under the UK's Money Laundering Regulations. Our registration number is 'XAML00000209004'.
10.3: Those regulations require us to check your identity and keep evidence that we've done so. We may run electronic searches against your name — the electoral register, for example — and ask you for photographic ID and two proofs of address.
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11. Liability
What we'll cover if something goes wrong.
11.1: f we get something wrong, our total liability to you under this contract is limited to the total fees payable by you under it.
11.2: We're not responsible for penalties HMRC charges you, unless we've specifically agreed otherwise in writing.
11.3: Nothing in these terms limits or excludes our liability for:
- death or personal injury caused by our negligence, or that of our employees, agents or subcontractors;
- fraud or fraudulent misrepresentation;
- breach of the terms implied by section 2 of the Supply of Goods and Services Act 1982 or the equivalent provisions of the Consumer Rights Act 2015;
- anything else the law doesn't allow us to exclude or restrict.
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12. If part of this doesn't hold up
One clause falls over, the rest stands.
If any part of these Terms and Conditions is found to be unlawful or unenforceable, that part is treated as removed and the rest stays in force.
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13. Changes to these terms
We'll always tell you first.
We may update these terms to reflect changes in the law, in our fees, or in how we run our business. Your Claims Specialist will tell you before any change takes effect. If you'd rather not continue on the new terms, you can cancel under section 8, and we'll refund anything you've paid in advance for services you won't now receive.
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14. If something goes wrong
Tell us. We'd rather hear it.
If you're unhappy with anything we've done, email: admin@zipp.tax with your name and claim reference.
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15. Law and jurisdiction
English law. English courts.
These Terms and Conditions are governed by and interpreted in accordance with English law, and all disputes are subject to the exclusive jurisdiction of the English courts.