Terms & Conditions

1. Nature of services

PillowTax provides tax compliance, financial advisory, and related services including but not limited to:

• Income tax return (ITR) filing for individuals, freelancers, and businesses
• GST registration and return filing
• FEMA compliance, overseas direct investment (ODI) advisory
• Cross-border and NRI taxation (India–US, India–Singapore, and other DTAAs)
• Business incorporation in India and internationally
• Tax litigation representation and income tax notice handling
• Estate, wealth structuring, and personal CFO advisory
• Trademark registration and corporate tax filings

The scope of services applicable to you will be as agreed in writing (via email, WhatsApp confirmation, or a service proposal) prior to commencement of work. Nothing in these Terms creates an obligation to provide services beyond the agreed scope.

2. Professional relationship & limitations

PillowTax provides services as an independent professional practice. Our advice is based on the information you provide and the laws applicable at the time of engagement. Please note the following important limitations:

Information dependency

The accuracy, completeness, and timeliness of all advice and filings depends entirely on the accuracy of the information and documents you provide to us. We are not liable for any errors, omissions, penalties, or adverse outcomes arising from incomplete, incorrect, or delayed information provided by you.

Not a substitute for legal advice

Tax and compliance advisory does not constitute legal advice. For matters involving litigation, criminal liability, or complex legal structuring, you should consult a qualified advocate or solicitor in addition to our services.

Law changes

Tax laws, regulations, and government guidelines change frequently. Our advice is based on the laws in force at the time of engagement. We are not responsible for changes in law occurring after the advice is rendered unless we have been specifically retained to monitor and update you.

3. Client obligations

To enable us to serve you effectively, you agree to:

• Provide true, accurate, complete, and up-to-date information and documents as requested
• Respond to our queries and document requests in a timely manner (typically within 3–5 working days unless otherwise agreed)
• Inform us promptly of any change in circumstances that may affect your tax or compliance position
• Not use our services for any unlawful purpose, or to file returns containing knowingly false information
• Maintain copies of all documents shared with us — we are not responsible for long-term document storage
• Obtain any approvals or authorisations required before engaging us (e.g. power of attorney, login credentials shared with consent)

Delays caused by late submission of documents or information by you may result in missed statutory deadlines. PillowTax shall not be liable for any penalties, interest, or consequences arising from such delays.

4. Fees & payment

Fee structure

Fees are as agreed at the time of engagement — either as a fixed package price, a per-service fee, or an annual retainer. All fees are inclusive of applicable GST unless stated otherwise.

Payment terms

Payment is required before commencement of work unless otherwise agreed in writing. For annual packages, the full annual fee is payable upfront. For project-based work, a minimum of 50% advance may be required.

Accepted payment methods

We accept payments via Razorpay (UPI, cards, net banking) for Indian clients, and Wise or Stripe for international / NRI clients. Payments must be made in the currency specified at the time of engagement.

Refund policy

We do not offer refunds once work has commenced. If, after payment and before commencement, we determine that we are unable to provide the agreed service, a full refund will be issued within 7 working days. Refund claims must be raised within 7 days of payment. No refunds will be processed after this period.

In cases where the scope of work increases materially due to additional complexity identified during the engagement (e.g. a Tax Audit requirement emerges), we will notify you and obtain approval before proceeding. Additional fees may apply.

5. Confidentiality & data privacy

We treat all client information as strictly confidential. We will not disclose your personal, financial, or business information to any third party except:

• As required by applicable law or a statutory authority (e.g. tax department, court order)
• With your explicit written consent
• To our professional associates or sub-contractors working directly on your engagement, who are bound by equivalent confidentiality obligations

We may retain copies of your documents for a period of 7 years to comply with professional standards and regulatory requirements, after which they will be securely deleted.

By engaging our services, you consent to us accessing your income tax portal, GST portal, or other government systems using credentials you provide, solely for the purpose of providing the agreed services.

For details on how we collect, store, and process personal data, please refer to our Privacy Policy.

6. Intellectual property

All content on www.pillowtax.com — including text, graphics, brand identity, logo, mascot, and service descriptions — is the exclusive property of PillowTax. Unauthorised reproduction, distribution, or use of our content for commercial purposes is prohibited and may result in legal action.

Tax computations, workings, and advice prepared specifically for you remain the intellectual work product of PillowTax. You may use them for your personal or business compliance purposes but may not resell, republish, or distribute them.

7. Limitation of liability

To the maximum extent permitted by applicable law:

• Our total liability to you for any claim arising out of or in connection with our services shall not exceed the fees paid by you for the specific service giving rise to the claim
• We are not liable for any indirect, consequential, incidental, or punitive damages, including loss of profit or business opportunity
• We are not liable for penalties, interest, or adverse orders issued by tax or regulatory authorities where such outcome is due to information provided by you, changes in law, or decisions of the relevant authority
• We are not liable for system downtimes on government portals (income tax portal, GSTN, MCA21, etc.) that cause delays in filing

Nothing in these Terms limits liability for fraud, wilful misconduct, or gross negligence on our part.

8. Third-party services & links

Our website and communications may contain links to third-party websites, tools, or platforms (such as Topmate, Razorpay, Wise, Calendly). Accessing these links subjects you to the terms and privacy policies of those respective platforms. We are not responsible for the content, reliability, or practices of any third-party services.

9. Termination of engagement

Either party may terminate the engagement by providing written notice (via email). Upon termination:

• You will be charged for work completed up to the date of termination at the agreed rate or pro-rated package fee
• We will provide you with all completed work product and documents in our possession within 10 working days
• Any outstanding fees become immediately payable

We reserve the right to terminate the engagement immediately and without notice if we determine that continuing the engagement would place us in breach of our professional obligations, applicable law, or ethical standards.

10. Governing law & dispute resolution

These Terms and any disputes arising from them shall be governed by and construed in accordance with the laws of India. The parties agree to first attempt to resolve any dispute informally through good-faith communication.

If informal resolution fails, disputes shall be referred to binding arbitration under the Arbitration and Conciliation Act, 1996 (India). The arbitration shall be conducted in English, in Mumbai, Maharashtra, with a sole arbitrator mutually agreed upon by both parties.

Subject to the above, the courts of Mumbai, Maharashtra shall have exclusive jurisdiction over any matter not resolved by arbitration.

11. Amendments to these terms

We reserve the right to update or modify these Terms at any time. The updated Terms will be posted on our website with a revised effective date. It is your responsibility to review the Terms periodically. Continued use of our services after an update constitutes acceptance of the revised Terms.

For active clients, material changes to Terms will be communicated via email to the address on record.

12. Miscellaneous

Entire agreement

These Terms, together with any service proposal, engagement letter, or written confirmation, constitute the entire agreement between you and PillowTax with respect to the subject matter herein, and supersede all prior discussions or understandings.

Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.

No waiver

Our failure to enforce any provision of these Terms on any occasion shall not constitute a waiver of our right to enforce it in the future.

Force majeure

We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including government portal outages, natural disasters, acts of government, or Internet service disruptions.

13. Contact us

For any questions or concerns regarding these Terms, please contact us: