Terms & Conditions

1.1 These Terms and Conditions (“Agreement”) govern the provision of services by Rebate Gateway (“we”, “us”, “our”) to the client (“you”, “your”, “Client”). By submitting an application or enquiry, you accept these Terms and enter into a binding contract with us. If you do not accept these Terms, you should not submit a claim, and we will not be able to provide our services.

1.2 By signing up for our services or submitting a claim request, you agree to be bound by these Terms and Conditions.

2.1 We act as a claims management service, assisting individuals with claiming tax rebates or allowances (the “Services”) from HM Revenue & Customs (“HMRC”). We do not guarantee that using our service will result in a refund.

2.1.1 By completing and submitting an application or claim form, you authorise us to contact HMRC and act as your Agent, Nominee, and Intermediary for the purpose of pursuing any claim to which you may be legally entitled.

2.1.2 You authorise us to use any information provided in your application or received from HMRC or other applicable entities to assess your eligibility for rebate types including but not limited to Workplace Expenses (P87), Marriage Allowance Transfer (MATCF), and Financial Mis-Selling Compensation (R40).

2.1.3 Where we identify a service relevant to you, you agree we may act on your behalf to pursue the claim.

2.1.4 Where the identified service is outside of our offering, you agree that we may refer your case to a trusted third-party partner. We may receive a commission for doing so. We are not responsible for the quality or outcome of services provided by any third-party partner.

2.1.5 Upon submission of your application, we may also instruct our FCA-regulated partner claims management company to assess whether you may be due financial compensation in relation to other types of claims. This is provided without any upfront cost to you, and you are under no obligation to proceed.

2.2 Our service is offered under a two-tier fee structure, depending on your cooperation during the claims process:

• No-Win, No-Fee: If you complete all required actions, no fee is payable unless your claim is successful.
• Fixed Administration Fee: If you do not complete the necessary steps, we may charge a fixed fee to cover work already undertaken.

To qualify for the No-Win, No-Fee service, you must:

(a) Submit accurate and complete information; (b) Return required documentation or signed authority forms within 14 days; (c) Cooperate with us and respond to communications within 7 days; (d) Not submit the same claim through other firms or directly to HMRC; (e) Notify us promptly of any changes to your contact details or relevant information; (f) Not contact HMRC directly in relation to a claim we are managing; (g) Complete the required electronic signature process when provided with a claim form; (h) Inform any relevant third party (e.g. spouse or partner) involved in a claim of our Privacy Policy; (i) Supply any documentation requested as part of Due Diligence, AML, or eligibility checks within 7 days; (j) Retain and be able to provide supporting records relevant to your claim on request.

You confirm that you are legally able to enter into this contract. You agree that we may communicate with you about related services via email, phone, SMS, or post.

Failure to meet these obligations may result in termination of this Agreement and a Fixed Administration Fee being applied. We also reserve the right to cancel any claim at our discretion and charge a reasonable fee for work already undertaken, with written notice to you.

4.1 No-Win, No-Fee

As a result of any Claim in which money is recovered from HMRC, you agree to pay Us 39% plus VAT (46.8% total) or £35 plus VAT (£42 total), whichever is greater. Additionally, there will be an administration cost of £35 plus VAT (£42 total).

4.2 Claim Process and Fee Triggers

Upon onboarding, we will assess your eligibility using either:

• Access to HMRC records via the Income Record Viewer (with your authorisation), or
• A Data Subject Access Request (DSAR) to HMRC; or
• A DSAR to your Employment Union, where applicable and where you have authorised us to do so.

If we determine that you are eligible for a rebate, we will issue a relevant HMRC form to you using an advanced electronic signature platform, in line with HMRC’s updated agent authorisation requirements.

You are required to sign and return the form within 28 calendar days of it being issued. We will send regular reminders via email and SMS during this period.

If you fail to sign the form within 28 days:

• We may submit the claim using the specimen signature you provided during onboarding;
• We will submit the claim without acting as your Repayment Agent or Nominee;
• We will not manage the claim further;
• We will charge a Fixed Administration Fee.

You acknowledge that our Fixed Administration Fee applies to services already performed on your behalf, regardless of whether HMRC ultimately issues a refund.

4.3 Fixed Administration Fee

This fee covers the cost of services undertaken before your non-compliance or withdrawal:

• Marriage Allowance: £[Insert] + VAT
• PAYE Tax Refund: £[Insert] + VAT
• Other Claims: £[Insert] + VAT (where applicable)

Payment is due within 14 days of invoice. We reserve the right to charge statutory interest on late payments and recover legal or enforcement costs.

4.4 Minimum Fee

Our minimum total fee is £84 (inclusive of VAT). Where the refund amount is equal to or less than this, we reserve the right to retain the full refund to cover our fees. We are under no obligation to notify you when this occurs.

5.1 If we receive a refund from HMRC on your behalf, we will deduct our agreed fee and transfer the balance to you via your chosen payment method within 14 working days, provided all Anti-Money Laundering (AML), identity, and repayment checks have been completed.

5.2 If HMRC pays you directly, you agree to pay our fee within 7 days of receipt. Failure to do so will constitute a breach of this Agreement and may result in recovery action.

5.3 Unless otherwise agreed in writing, we do not issue payments via cheque.

6.1 You may cancel this Agreement within 14 calendar days from the date of acceptance without charge.

6.2 To cancel, you must contact us in writing. If cancellation occurs after the cooling-off period and you have not complied with your obligations, the Fixed Administration Fee may apply.

We may terminate this Agreement if:

• You fail to provide required documentation;
• You do not respond to communication for 14 days;
• You provide false or misleading information;
• You attempt to submit the same claim elsewhere;
• You breach any responsibilities outlined in Clause 3.

If terminated, the Fixed Administration Fee may still apply.

We are not liable for:

• Delays or errors due to incorrect or incomplete information provided by you;
• HMRC decisions or failures to pay;
• Delays caused by HMRC, financial institutions, or third parties;
• Duplicate claims submitted independently by you;
• Indirect or consequential losses.

Our total liability will not exceed the total fee charged to you. Nothing in this clause limits our liability for death or personal injury caused by negligence or fraud. We do not guarantee a successful outcome.

We are required to complete Anti-Money Laundering (AML), identity, and repayment checks before releasing any payments. You may be asked to provide documentation to verify your identity, address, or bank details, or to confirm receipt of a refund from HMRC.

If you fail to complete these checks within 14 days of being notified, we reserve the right to withhold any payments until compliance is confirmed. If you still do not comply within 28 days, we reserve the right to:

• Offset the value of our fee against any refund due;
• Retain the rebate amount to the extent necessary to cover the fee; and
• Raise an invoice for the outstanding balance of our fee (if applicable) which you agree to pay within 7 days.

We may also report any suspicious or non-compliant behaviour to the relevant authorities without prior notice.

We handle your personal data in accordance with UK data protection laws. You agree to our Privacy Policy, available at https://rebategateway.org/privacy-policy, which explains how your data is collected, processed, stored, and shared. We may share your information with group companies or authorised third parties, including in connection with mergers, acquisitions, or similar business events. These parties may contact you about services we believe are relevant to you.

This Agreement is governed by the laws of England and Wales. Disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

You can raise a complaint by contacting us via:

• Email: [Insert Email]
• Post: [Insert Address]
• Phone: [Insert Number]

We aim to acknowledge complaints within 5 working days and resolve them within 14 working days. Further information can be found via our complaints policy.

We may communicate with you via email and consider such communications legally binding.

You may not assign this Agreement to another party without our written consent. We may assign or delegate this Agreement, including the authority to act as your agent, to a regulated third-party tax agent.

This Agreement remains in effect until terminated. We may update these Terms and Conditions from time to time, and any updated version will be published on our website

We are not responsible for delays or failures caused by events beyond our control, including issues with HMRC, internet outages, or technical failures.

If any clause in this Agreement is held to be unenforceable, all other provisions will remain in full force and effect.

This Agreement constitutes the entire agreement between you and us and overrides any previous verbal or written communication.

Terms & Conditions of Service effective from 7th April 2025. For a copy of our previous Terms & Conditions of Service, please see here