This Online Services Agreement (“Agreement”) constitutes a legally binding contract between you and Covering Taxes. By using our services, you agree to abide by the terms and conditions outlined below.

Services Covered

This Agreement governs your use of the following services:

• Covering Taxes Income Tax Return Filing Service
• Covering Taxes Tax Planner
• Tax Query Application and Scrutiny Application
• Any other related services provided by Covering Taxes

By accepting this Agreement or by using any of our services, you agree to comply with all terms and conditions. If you do not agree, please refrain from using our services.

1. License and Permitted Use

Upon payment of all applicable fees, Covering Taxes grants you a limited, non-exclusive, personal, non-transferable license to use our services for preparing and electronically submitting (“e-filing”) your tax returns. Additional fees may apply for specific services like e-filing and submitting Form 16 or 16(A).

You are allowed to use our services only as described in this Agreement and only through our online platform at https://www.coveringtaxes.com or any authorized third-party website. If there are any conflicting terms, this Agreement takes precedence.

Our services are not to be used for providing tax advice or other services to third parties. You are responsible for the accuracy and completeness of all information provided before filing your tax returns. If you are using our services on behalf of others, you must have proper authorization to file their tax returns.

2. Eligibility to Use the Platform

You can use our platform if:

• You are 18 years or older. If acting on behalf of a minor, you must have the necessary authority to register and use the platform on their behalf.
• You are legally competent to enter into a binding contract and are not barred from receiving our services under applicable laws.
• You agree to comply with all provided terms, documents, and forms related to the use of our platform services.
• You confirm that the money you invest is from a legitimate source and remitted through approved banking channels.

3. Geographical Restrictions

Not all services are available in all regions. Your eligibility to use certain services may depend on your location. Covering Taxes reserves the right to determine the availability of services in different geographical areas.

4. Usage Restrictions

You are prohibited from:

• Redistributing, selling, or transferring our services or any associated rights to others.
• Using our services for purposes other than their intended use or for the benefit of third parties.
• Copying our services by any means, including electronic duplication.
• Removing any proprietary notices or labels.
• Attempting to derive the source code or reverse-engineering our services.
• Circumventing any access controls or security measures.

You are responsible for all use of our services and must comply with this Agreement. Any breach will be your responsibility.

5. Intellectual Property Rights

Covering Taxes and its licensors own all intellectual property rights to our services. This includes copyrights, trademarks, and any associated rights. Your use of our services does not grant you any ownership interest. You are not allowed to modify, decompile, or create derivative works based on our services.

6. Privacy

Your use of our services is subject to our Privacy Policy, which can be reviewed on our website. We reserve the right to update the Privacy Policy as needed. When you use our services, you may be required to provide personal and tax information. We will collect, use, and transmit this information as required to prepare and file your tax returns.

7. Non-availability of Electronic Filing

E-filing may not always be available. We do not guarantee that the IRS or other tax authorities will receive or process your tax return. Our responsibility is to attempt to transmit your tax returns electronically if you choose and qualify for e-filing.

8. Online Assisted Service

We may offer additional tax preparation services, including advice and e-filing assistance. These services are provided as directed by you.

9. Automatic Importing of Tax Information

Our services may include features to import tax information electronically. We do not guarantee the accuracy or availability of this feature.

10. Accurate Calculations Guarantee

We will reimburse you for any penalties and interest up to the amount you paid for our services if they result solely from an arithmetic error made by our software or incorrect advice from our online assisted service. Conditions apply, and you must notify us within 30 days of discovering the error.

11. Disclaimer of Warranties

Except for the express warranties in this Agreement, Covering Taxes makes no other warranties. We do not guarantee that our services will meet your needs or that they will be error-free. Our services are tools to assist you, but you are responsible for verifying all information and results.

12. Consent to Electronic Communications

By using our services, you consent to receive all communications electronically, including Required Disclosures. We may notify you of changes to this Agreement or our policies via our website or email.

13. Payments

We are not responsible for any loss arising from the decline of transaction authorization due to exceeding preset limits.

14. Refund Policy

Payments made for account opening or other services are generally non-refundable. If your account is not opened within 10 days of submitting all necessary documents, you may request a refund. For multiple payments, contact support for a refund process.

15. Security

You must take reasonable precautions to protect your passwords and user IDs. Notify us immediately of any unauthorized use or security breaches.

16. User Contributions

Content posted by users, including comments, is their sole responsibility. We reserve the right to review and remove any content that does not comply with these terms.

17. Dispute Resolution

Any disputes arising from this Agreement will be resolved in the courts located in Jabalpur, India.

18. Indemnification

You agree to defend and indemnify Covering Taxes against any claims arising from your breach of this Agreement.

19. Termination

Covering Taxes may terminate this Agreement if you do not comply with its terms. Upon termination, you must stop using our services and destroy all copies.

20. Communication Policy

By opting for alerts and notifications, you agree to receive communications from us via email, SMS, or WhatsApp. You will not hold us liable for any complaints under applicable telecom regulations.

These terms and conditions ensure that our services are used correctly and responsibly. If you have any questions, please contact us for clarification.