Terms of Service

These Terms govern your use of the Atamatax service at atamatax.com (the "Service") operated by Atamatax — raison individuelle, Suisse (registration pending CHF 100k revenue threshold). By creating an account, buying a product or opening a case you agree to these Terms.

What the Service is

Atamatax is a US expat tax preparation platform. It sells two kinds of thing, and these Terms treat them separately because the division of labour differs:

• Software products — self-serve, priced per tax year. The software computes the supported figures from the inputs you enter and confirm and generates a draft package mapped to IRS forms and lines, with open items called out. You review it, sign and file.
• Service engagements — a case with a written scope and a fixed quote. You upload documents; Atamatax prepares the supported filings in scope, checks the package for completeness before release, and guides the filing workflow. A credentialed professional is part of an engagement only where the written scope says so. Concierge, Streamlined and managed cases are assigned to a CPA or Enrolled Agent from the Atamatax team according to the case's forms, countries and complexity; the professional is identified on your case once they accept, and no case is described as professionally prepared before that has happened.

In both families, nothing in the Service is individualized tax, legal or financial advice, and using it creates no accountant-client, attorney-client or advisory relationship with Atamatax — raison individuelle, Suisse (registration pending CHF 100k revenue threshold). Where a service engagement includes review by an independent credentialed professional, that professional's engagement, its scope and its limits are stated on your case, and any representation before the IRS is a separate engagement with that practitioner, never implied by a package. Representation before the IRS is a separate engagement with an authorised practitioner (EA, CPA or attorney) and is arranged per case, never implied by a package.

Who does what, product by product

For each product: who prepares it, who checks it and in what capacity, who signs, who files, and what a person must qualify before it can be bought. These are the same statements shown next to each price, in the checkout summary and on your case, generated from one record; a credential or a review is named only once it is in place.

Software products

The software products are: CPA Export ($199), Simple ($299), PFIC Portfolio ($499), Complex ($799); and the written assessments U.S. Filing Obligations Diagnostic ($100) and Atamatax Express Plan, which are assessments of what may need to be filed and never a return. Each package covers one tax year and is paid once, through Stripe Checkout; the tier is determined server-side from the contents of the return (CPA Export $199, Simple $299, PFIC $499, Complex $799), and you are never charged a filing tier for a tax year whose package cannot include the pre-filled official IRS forms — such a year is charged at the CPA Export price.

We deliver a draft package — your figures mapped to IRS forms and lines, with remaining items identified — that you review and use to complete the official forms outside Atamatax. Charges are non-refundable once the package has been delivered to your account. If the delivered package contains a software defect that we cannot fix within fourteen (14) days of being notified in writing, we refund 100%. Filing acknowledgements come from the channel you file through, and a rejected filing is resubmitted by you through that channel. The fee for a written assessment is credited toward an eligible Atamatax preparation service bought within 14 days of the assessment.

Refunds for the U.S. Filing Obligations Diagnostic. The pre-check before payment refuses the checkout when your situation is outside what the assessment covers. After payment, until the written report is delivered to you, the fee is refunded in full on request — including when you have not finished the questionnaire. Once the report is delivered, the fee is non-refundable, except that a report containing an error we cannot correct within fourteen (14) days of written notice is refunded in full. A refunded fee can no longer be credited toward preparation. Ask at support@atamatax.com or by replying to any Atamatax email.

Refunds for the Atamatax Express Plan. The plan is unlocked on screen as soon as your payment settles. If the plan is not delivered, or it contains an error we cannot correct within fourteen (14) days of written notice, the fee is refunded in full. Otherwise it is non-refundable once delivered. A refund withdraws access to the paid plan and cancels its credit toward an Atamatax package. Ask at support@atamatax.com or by replying to any Atamatax email.

Service engagements

The service engagements are Streamlined and Annual Concierge. A Streamlined engagement is priced in the $1,590–$2,990+ band and covers up to 3 delinquent federal returns and up to 6 FBAR years; the Annual Concierge is priced from $999. Each engagement works like this:

• Written scope and fixed quote. After intake, Atamatax sends a written scope — which years, which forms, what is included and what is not — and a fixed quote. No hourly billing. If a fact disclosed later changes the scope (for example a foreign fund on an engagement quoted without one), the quote is withdrawn and a revised one is sent; you are never charged for the difference without accepting the new scope.
• One payment. The quote is paid once, through Stripe Checkout, and unlocks the whole engagement. Preparation starts after payment is confirmed.
• Document intake. You upload the documents the case lists; each shows its status (uploaded, needs replacement, under review, accepted). Preparation waits for the items marked required.
• Preparation and the check before release. Atamatax prepares the supported filings in scope from your confirmed documents and facts, and a person checks the package for completeness before it is released to you. That check is operational and is never described as a professional review.
• Corrections before release. Corrections before release are part of the engagement: a document that needs replacing, a question that changes a figure, and the changes you request at the signature step are handled inside the case at no extra charge. After release, a defect in the package is corrected under the correction policy.
• Professional involvement, where included. Every case is checked by a person at Atamatax before release — an operational check. An independent credentialed reviewer is engaged per case where the scope requires one, and a review is only ever described as professional once it has actually been recorded. On your case you can see whether a professional is engaged, assigned, reviewing, or has recorded a review, and — once the review is recorded — the reviewer's name, credential and jurisdiction.
• Your authorization before anything is shared. A tax professional is not given access to your case until you authorize it on the case itself, having read exactly what is being shared, with whom, for what purpose and for how long. You are never required to give that authorization; if you do not, work that needs a professional does not start and nothing in your case reaches one. You can withdraw it at any time from the same place, which ends the assigned professional's access immediately and does not cancel your engagement — Atamatax will tell you what the engagement can still deliver without it.
• Filing. Atamatax's own software does not e-file. On a self-serve package you file, with the step-by-step instructions in the package; on a fully managed engagement the return is filed as the written quote names it — through the engaged professional's authorised e-file provider where the year and forms allow, otherwise on paper. FBARs are filed by you through the BSA E-Filing System, with the account figures and instructions prepared in the package. On a Streamlined engagement you certify non-willfulness on Form 14653 yourself; Atamatax organises your statement of facts and does not determine or certify it. The IRS sends no acknowledgement of a Streamlined submission, and Atamatax records only the proof of sending you report.
• Exclusions. Anything the written scope lists as excluded — an entity or trust return, an IRS examination, representation — is not part of the engagement. Where the case needs it, Atamatax routes it to a specialist and says so in the scope; any retainer is between you and that professional.
• Refunds. An engagement paid but not yet in preparation is refundable on request. Once preparation has begun, the paid amount is non-refundable, except that a package containing a defect we cannot fix within fourteen (14) days of written notice is refunded in full.

Eligibility & accuracy of inputs

You must be at least 18 years old and either a US citizen or US green-card holder. You are responsible for the accuracy and completeness of every number, election, attestation and document you give us. The Service will sometimes auto-fill values (for example a PFIC classification from an ISIN, or holdings read from a statement you upload). Those auto-fills are suggestions derived from external data sources and you are responsible for reviewing and confirming them before you rely on the package or submit a filing outside the Service.

Brokerage data

Upload a year-end positions CSV or a brokerage statement; holdings are screened by ticker and ISIN with the source shown per holding.

Brokerage data is imported from the statement or positions CSV you upload. A read-only Plaid connection for US brokerages is built and will open once Plaid's production review completes. When it opens, connecting a brokerage will also mean agreeing to Plaid's End User Privacy Policy and End User Terms, and these Terms will say so on that day. Nothing in the Service today reads a brokerage account directly.

No tax advice

The educational copy on Atamatax pages, including treaty desk summaries, PFIC method descriptions, and FAQ entries, is general information about US tax rules. It is not a substitute for advice from a licensed CPA, enrolled agent, or tax attorney. Tax rules change. We will update the Service in good faith but cannot guarantee continuous accuracy. Nothing on the Service guarantees IRS acceptance of a filing, the elimination of a penalty, or the outcome of a Streamlined submission.

Disclaimer of warranties

The Service is provided "as is" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted or error-free. You use the Service at your own risk.

Limitation of liability

To the maximum extent permitted by law, Atamatax — raison individuelle, Suisse (registration pending CHF 100k revenue threshold)'s total aggregate liability to you for any and all claims arising out of or relating to the Service is limited to the amount you actually paid us for the affected return or engagement, with an absolute cap of one thousand US dollars (US $1,000) regardless of cause of action, claim type, or number of incidents. We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages — including loss of profits, data, goodwill, or tax-position outcomes.

IRS penalties, interest, and assessments are your sole responsibility. The Service computes forms from inputs and documents you provide and confirm; the underlying tax treatment is determined by the IRS and applicable law, not by us. We are not liable for penalties or interest assessed against you for any reason — including but not limited to under-reporting, misclassification of PFIC holdings, late filing, late payment, failure-to-file or failure-to-pay penalties (26 U.S.C. § 6651), FBAR penalties (31 U.S.C. § 5321), or FATCA penalties (26 U.S.C. § 6038D) — unless and only to the extent you prove the assessment resulted directly and exclusively from a software defect in a form we generated and that we failed to correct within fourteen (14) days of written notice. You acknowledge that this limitation is reasonable given the price point of the Service relative to the value of the filings it produces.

Indemnification

You agree to indemnify and hold Atamatax — raison individuelle, Suisse (registration pending CHF 100k revenue threshold), its officers, employees, and contractors harmless from any claim arising out of (a) inputs or documents you provided that turned out to be false, (b) activity on your account by someone you authorized, or (c) your violation of these Terms or applicable law.

Account closure

You can close your account at any time by emailing support@atamatax.com from the address on file. We retain return and case records and related data for 7 years after the relevant tax year (IRS standard). Active credentials and tokens are revoked and deleted within 90 days of account closure.

We may suspend or terminate accounts that we reasonably believe to be fraudulent, are being used to file inaccurate returns, or breach these Terms.

Changes to these Terms

We may update these Terms. Material changes take effect 14 days after we email registered users about them. Continued use after that date is acceptance.

Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws rules. Disputes shall be resolved exclusively in the state or federal courts located in New Castle County, Delaware, and you consent to that personal jurisdiction. Nothing in this section prevents either party from seeking injunctive relief in any court of competent jurisdiction.

Contact

Atamatax — raison individuelle, Suisse (registration pending CHF 100k revenue threshold)
Email: support@atamatax.com