Terms & Conditions

1.1. These Terms & Conditions (“Terms”, “Agreement”) govern the services provided by Rebate Gateway Limited trading as PCP Tax Rebates (“we”, “us”, “our”) to you (“you”, “your”, “Client”).

1.2. By applying for our services via our website, phone, email or otherwise, you agree to be bound by these Terms.

1.3. You may submit claims directly to HMRC for free. By instructing us, you choose to appoint us to act on your behalf on a fee-paying basis in accordance with these Terms.

1.4. If you do not agree to these Terms, you must not proceed with an application or use our services.

2.1. “Claim” means any application, submission, or request for repayment, rebate, tax relief, or compensation, including but not limited to: Financial Mis-Selling Tax Rebates (e.g. PCP / car finance mis-selling); P87 workplace expense relief claims; Marriage Allowance transfers; Any other rebate or relief you may be eligible for which we process on your behalf.

2.2. “Services” means the evaluation, preparation, submission, and management of Claims.

2.3. “Fee” means the amount payable to us for providing the Services, including success fees, minimum fees, and administration fees.

2.4. “Cooling-Off Period” means 14 calendar days from the date of entering this Agreement.

2.5. “Administration Fee” means the fixed fee payable if your Claim is cancelled, terminated, or not pursued due to your failure to cooperate, as set out in these Terms.

3.1. When you apply for a Financial Mis-Selling Tax Rebate, you also authorise us to review your eligibility for additional HMRC rebates (including but not limited to P87 workplace expenses and Marriage Allowance).
3.2. We reserve the right, at our discretion, to prepare and submit such additional claims on your behalf, unless you notify us in writing that you do not wish us to do so.
3.3. Each Claim and each tax year is treated separately for the purposes of fees and cancellation rights.
3.4. You authorise us to act on your behalf in respect of Claims covering the previous four tax years and the current tax year, unless otherwise agreed in writing.
3.5. You also authorise us to act as your agent, nominee, and intermediary with HMRC, finance providers, and other relevant third parties, and this authority will remain in force until revoked in writing or terminated under these Terms. Revocation does not affect our right to Fees already earned.
3.6. We may contact you in future years to review your eligibility for further rebates or tax reliefs (including but not limited to workplace expenses and Marriage Allowance). You may opt out of such contact at any time by notifying us in writing.
3.7. We do not provide estimates of rebate amounts. Any examples or illustrations (verbally, online, or otherwise) are for general guidance only and are not a guarantee of outcome.
3.8. We do not guarantee the success of any Claim, the timing of any refund, or the amount recoverable.

5.1. If your Claim is successful, you agree to pay us a Success Fee equal to 39% of the rebate amount recovered plus VAT, subject to a minimum fee of £75 + VAT per Claim.
5.2. Where the rebate recovered is less than our Minimum Fee, we reserve the right to retain the entire rebate in satisfaction of our Fee and close your Claim. In these circumstances, we have no obligation to inform you of the rebate or to provide any further accounting in respect of it.
5.3. If you: (i) fail to sign and return HMRC forms within the timeframe required; (ii) fail to provide AML/KYC documentation within the timeframe required; (iii) cancel after the Cooling-Off Period; (iv) withdraw your cooperation; or (v) otherwise prevent us from submitting your Claim — you agree to pay an Administration Fee as follows: £60 + VAT for Financial Mis-Selling Claims; £60 + VAT for Workplace Expenses (P87) Claims; £150 + VAT for Marriage Allowance Claims.
5.4. By signing the HMRC documentation we provide, you appoint us as your agent for the purpose of communicating with HMRC, preparing and submitting Claims, and receiving any refunds due. You authorise HMRC to send any rebate directly to us. We will deduct our Fee and remit the balance to you by BACS.
If HMRC pays you directly, you must notify us immediately and pay our Fee within 7 days.
5.5. Once we have submitted your Claim to HMRC, you may not cancel that Claim. Our Success Fee will remain payable in full once HMRC pays out. If HMRC later requires repayment of that rebate (in whole or part), you are solely responsible for repaying HMRC. Our Fee remains payable.
5.6. If HMRC rejects or reduces a Claim because you have already made or received a similar claim, our Administration Fee will apply.
5.7. Where you have more than one Claim with us, we may set off any sums you owe us (including Fees and Administration Fees) against any rebate received in relation to any of your Claims.

6.1. You have a legal right to cancel this Agreement within 14 calendar days of the date of your application (“Cooling-Off Period”) without giving any reason and without incurring any charges.
6.2. To exercise your right to cancel, you must notify us in writing (email or post) within the Cooling-Off Period.
6.3. If you ask us to begin providing Services within the Cooling-Off Period and then cancel before the period ends, we may charge a proportionate fee for the work already carried out.
6.4. After the Cooling-Off Period has expired, cancellation is still possible but the Administration Fee (as set out in clause 5) will apply.
6.5. Cancelling one Claim does not automatically cancel all other Claims, unless you expressly request this.

7.1. All refunds are paid via BACS transfer into a UK bank account in your name only.
7.2. We do not issue payments by cheque or cash.
7.3. We are not responsible for delays caused by incorrect or incomplete bank details supplied by you.
7.4. If you fail to provide satisfactory AML/KYC documentation within 6 months of us notifying you of a refund, we reserve the right to raise an invoice equal to the balance held on file. Once invoiced, the funds will be treated as payment against that invoice and our obligation to release those funds to you will cease. We will make reasonable efforts to contact you before exercising this right, but it is your responsibility to ensure your contact details remain current and to provide AML/KYC documentation promptly.
7.5. If a BACS transfer fails due to incorrect or incomplete bank details provided by you, we may charge an administration fee of £25 + VAT for reprocessing the payment.
7.6. If you fail to pay our Fee when due, we may charge interest at 4% above the Bank of England base rate until payment is made in full. We also reserve the right to recover any reasonable enforcement, collection, or legal costs incurred in recovering overdue sums.
7.7. Once you have provided satisfactory AML/KYC documentation and we are in receipt of cleared funds from HMRC, we will process payment of the balance due to you. We will make payment within 28 calendar days of receiving your AML/KYC documentation, provided all other requirements have been satisfied.

8.1. To the fullest extent permitted by law, our total liability to you in connection with any Claim or this Agreement shall be limited to the total Fees you have paid us in respect of the Claim giving rise to the liability.
8.2. We will not be liable for any indirect, special, or consequential loss, or for loss of profits, income, or opportunity.
8.3. We are not responsible for delays or errors caused by HMRC, finance providers, banks, or other third parties outside our control.
8.4. You are solely responsible for the accuracy of the information you provide to us. If HMRC later determines that a rebate was paid in error (whether due to incorrect information or HMRC’s decision), you are responsible for repaying HMRC. Our Fee remains payable and non-refundable.
8.5. Nothing in these Terms limits or excludes liability which cannot be excluded under applicable law, including liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

9.1. We may identify products or services which may be of interest to you and, where appropriate, may refer you to third-party firms such as claims management companies or credit brokers. Where we make such a referral, we may receive a commission, referral fee, or other payment from the third party.
9.2. We may also accept referrals of clients from third-party companies (including other tax rebate companies). Where this occurs, we may pay or receive a referral fee, commission, or other financial arrangement.
9.3. We are not responsible for any advice, service, or product provided by third parties, and you should satisfy yourself that you wish to proceed with any third-party service before doing so.

10.1. We process your personal data in accordance with UK GDPR and our Privacy Policy.
10.2. You authorise us to share your data with HMRC, finance providers, legal advisers, third-party partners, and other necessary third parties.
10.3. We may retain your information for up to 7 years for compliance and audit purposes.

11.1. Complaints must be made in accordance with our Complaints Procedure, which is available on our website here.
11.2. We will handle complaints in line with that procedure.
11.3. Given the regulatory position of PCP Tax Rebates, you will not have recourse for escalation of your complaint to the Financial Ombudsman Services

12.1. We may terminate this Agreement if you breach your obligations, fail to cooperate, or provide false information.
12.2. On termination, you remain liable for Fees due and/or the Administration Fee.

13.1. Force Majeure: We are not liable for events outside our control, including natural disasters, strikes, government action, cyber incidents, or IT system failures.

13.2. Authority to Amend: We reserve the right to amend or correct HMRC documentation prior to submission where necessary for accuracy or compliance.

13.3. Electronic Communications: We will communicate with you primarily by email or SMS. Communications sent electronically shall be deemed received and shall be legally binding.

13.4. Exclusivity: By instructing us, you grant us exclusive authority to prepare and submit your Claim(s). You must not submit the same Claim yourself or through another provider. If you do, our Fee will remain payable in full as if we had submitted the Claim.

13.5. Survival: Any provisions relating to Fees, liability, confidentiality, data protection, and governing law will continue to apply after termination of this Agreement.

13.6. Assignment: We may transfer our rights or obligations under this Agreement. You may not assign your rights without our consent.

13.7. Severability: If any clause is invalid, the rest remain in force.

13.8. Entire Agreement: These Terms, together with our Privacy Policy and Complaints Procedure, form the entire agreement between us and supersede all prior discussions or communications.

13.9. Variation: We may update these Terms from time to time, and will notify you of changes.

13.10. Governing Law: This Agreement is governed by the law of England and Wales, and disputes are subject to the exclusive jurisdiction of the English courts.

13.11. Regulatory Disclosure: PCP Tax Rebates is a trading style of Rebate Gateway Limited (company number 12693328), registered in England & Wales. Registered office: 7 Bell Yard, London, WC2A 2JR. Rebate Gateway Limited is supervised by HMRC for Anti-Money Laundering purposes (AML Supervision Registration No: XGML00000181564) and is registered with the Information Commissioner’s Office (ICO) (Registration No: ZA766745). HMRC Tax Agent Registration No: HY3075.