General Terms of Service

Effective date: 6 July 2026 · Last updated: 5 October 2026

Taxmo B.V. registered at the Dutch Commercial Registrar (Kamer van Koophandel) with number 42180642, addressed at NDSM-Straat 117, 1033 NA, Amsterdam, The Netherlands, (operating under commercial name of "Taxmo," and also referred to hereinafter as "Taxmo", "we," "our," or "us"), the company behind www.taxmo.nl. We value your privacy and your rights and drafted these general terms to reflect that within our relationship.

1. Definitions and Interpretation

1.1 Defined Terms

In these General Terms of Service, unless the context otherwise requires, the following definitions apply:

"Service" means the Taxmo bookkeeping, accounting, and tax-filing platform accessible via taxmo.nl, including all associated web applications, mobile applications, APIs, and related tools which we provide to you as part of our services through our platform.

"Platform" means our entire online digital environment and systems on which we operate and process your data for the purposes of providing our services.

"User", "you", or "your" means any individual or legal entity that accesses or uses the Service.

"We", "us", or "our" means Taxmo, the operator of taxmo.nl.

"User Content" means any data, documents, financial records, information, or other materials that you upload, submit, or input into the Service. For the purposes of our Privacy Policy this means any Account Personal Data and Customer Personal Data.

"Third-Party" means external services providers integrated with or used by the Service, including but not limited to Anthropic PBC (artificial intelligence processing), Amazon Web Services (AWS) and Neon (hosting, storage and database infrastructure), and any payment processors.

"Belastingdienst" means the Dutch Tax and Customs Administration (Belastingdienst).

"Applicable Law" means the laws of the Netherlands, including but not limited to the General Data Protection Regulation (EU) 2016/679 ("GDPR"), the Dutch Implementation Act for the GDPR (Uitvoeringswet AVG, "UAVG"), the Dutch Civil Code (Burgerlijk Wetboek), and any other relevant legislation.

"Controller" as defined under GDPR, Article 4(7). The legal entity which determines the purposes and means of the processing of personal data.

"Processor" as defined under GDPR, Article 4(8). Means a natural or legal person, public authority, agency or other body which processes personal data on behalf of the Controller.

2. General Terms

2.1 Acceptance of Terms

2.1.1 Please read these General Terms of Service (also referred to as "Terms of Service" or "Terms"), carefully before using the Taxmo platform. By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to all of these Terms, you must not access or use the Service.

2.1.2 It is strictly prohibited to use our services in the name of someone else, unless you represent a legal person and are authorised to do so, then our agreement is with that entity.

2.1.3 By using our Service you authorise us to act as the Controller of your data as prescribed by law, under GDPR, Article 4(7). This means that we act on your behalf in matters of determining the purposes and means of the processing of your data.

2.2 Nature of These Terms

These General Terms of Service constitute the general terms and conditions governing the use of the Taxmo platform and all related Services. These General Terms apply to all users of the Service, whether accessing the Service on a free trial, or paid basis, and regardless of whether you are a registered account holder or a visitor. Your use of the Service in any capacity is subject to these Terms.

2.3 Prevalence of Individual Contracts

Where we enter into a separate, individually negotiated contract or ad hoc agreement with you (whether in writing or by electronic means), the terms of that individual contract shall prevail over these General Terms to the extent of any inconsistency or conflict between the two. In all other respects, these General Terms shall continue to apply in full alongside any such individual contract.

2.4 Relationship with the Privacy Policy

These Terms of Service and the Taxmo Privacy Policy (available at taxmo.nl/privacy) together form the complete agreement governing your use of the Service; by accepting these Terms of Services, you also acknowledge that you have read, understood, and agreed to the Privacy Policy, which is incorporated herein by reference.

2.5 Modifications

We reserve the right to amend these General Terms at any time in accordance with Section 15 of these Terms. Your continued use of the Service following any such amendment constitutes your acceptance of the revised Terms.

3. Eligibility and Account Registration

3.1 Eligibility

To use the Service, you must be at least 18 years of age, a resident of the Netherlands or the European Economic Area, and possess the legal capacity to enter into a binding agreement. If you are using the Service on behalf of a business or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

3.2 Account Registration

You may be required to create an account to access certain features of the Service. You agree to provide accurate, current, and complete information during the registration process, and to update such information as necessary to keep it accurate and complete.

3.3 Account Security

3.3.1 You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.3.2 You must notify us immediately at the contact details provided on taxmo.nl if you become aware of any unauthorised use of your account or any other breach of security. We shall not be liable for any loss or damage arising from your failure to safeguard your account credentials.

4. Description of the Service

4.1 Overview

Taxmo provides an online platform designed to assist residents of the Netherlands with bookkeeping, accounting, and the preparation and filing of tax returns, including quarterly BTW (VAT) returns. The Service may include features such as automated transaction categorisation, financial report generation, BTW return preparation and filing, income tax (inkomstenbelasting) guidance, and other accounting utilities.

4.2 Use of Artificial Intelligence

The Service utilises artificial intelligence technology, (Automated Machine-Decisions "AMD") including the Claude API, to assist in processing, categorising, and analysing financial data. The Service is hosted on infrastructure provided by Amazon Web Services (AWS) and Neon in the European Union. Your use of the Service constitutes your acknowledgement and acceptance of these Third-Party integrations.

5. Artificial Intelligence and Third-Party Data Processing

5.1 Use of the Claude API

The Service integrates with the Claude application programming interface (API) (by Anthropic PBC, California, "Claude" hereinafter) to provide AI-assisted features, including but not limited to natural language processing of financial data, automated categorisation of transactions, generation of tax-related suggestions, and conversational assistance. By using the Service, you acknowledge and agree that:

Certain User Content, including financial data and queries, may be transmitted to Claude's servers for processing in accordance with Claude's applicable usage policies and data processing terms.
AI-generated outputs are provided on an "as is" basis and may contain errors, inaccuracies, fictional information (also known as hallucinations) or omissions. You must independently verify all AI-generated financial calculations, tax advice, and recommendations before relying upon them.
Claude may update, modify, or discontinue aspects of its API, which may affect the availability or functionality of certain Service features. We shall not be liable for any disruption caused by changes to the Claude API.
We do not control Claude's data retention or processing practices beyond what is stipulated in our data processing agreement (DPA) with Anthropic.
While we take reasonable measures to ensure the security of your data, we cannot guarantee the absolute security of data transmitted to or stored on Third-Party infrastructure and shall not be liable for any data breach or loss arising from Third-Party's infrastructure.

Importantly: Notwithstanding the above clause, we are conducting active data protection and transfer impact assessments regularly, review the security standards used by these processors, and monitor their consistency, as required by law, to ensure security and data protection practices are maintained. Through our data impact assessment, we actively monitor that your rights to privacy and data security are maintained by these Third-Party services providers and reviewed them periodically. However, we are not responsible for their failure to withhold these required conditions and their breaches, or these required terms under the DPA. We will however, act to enforce your rights.

Nonetheless, we encourage you to review Claude's privacy and usage policies.

5.2 Hosting and Infrastructure

The Service is hosted and operated using infrastructure provided by Amazon Web Services (AWS) and Neon (together the "Hosting Providers"). By using the Service, you acknowledge and agree that:

Your User Content and associated data are stored and processed on servers operated by the Hosting Providers in the European Union: in Frankfurt, Germany, with a standby server in Ireland.
The Hosting Providers' own terms of service, acceptable use policies, and privacy practices apply to the extent that they govern the infrastructure upon which the Service operates.
While we take reasonable measures to ensure the security of your data, we cannot guarantee the absolute security of data transmitted to or stored on Third-Party infrastructure and shall not be liable for any data breach or loss arising from the Hosting Providers' infrastructure.

5.3 Third-Party Processors in the United States

Both the Processor (as defined by the GDPR, Article 4(8)) and where the Processor engages Third-Party sub-processors located in the United States, such processing shall be governed by the applicable Standard Contractual Clauses (SCCs) as published by the European Commission under Article 46(2)(c) GDPR and the relevant Data Processing Agreement (DPA), ensuring an adequate level of data protection as required under European data protection law. The supervisory authority competent for monitoring such transfers is the Autoriteit Persoonsgegevens (Dutch Data Protection Authority).

5.4 Additional Third-Party Services

The Service may integrate with or rely upon additional Third-Party services from time to time, including payment processors, analytics providers, and Belastingdienst-related APIs. We will endeavour to keep you informed of material changes to our Third-Party integrations, but you acknowledge that such integrations may change without prior notice.

6. User Obligations and Acceptable Use

6.1 Lawful Use

You agree to use the Service only for lawful purposes and in accordance with these Terms, all Applicable Law, and any applicable Belastingdienst regulations. You shall not use the Service to facilitate tax evasion, money laundering, fraud, or any other illegal activity as prescribed under Dutch law and regulations.

6.2 Accuracy of Information

You are solely responsible for the accuracy, completeness, and legality of all User Content you submit to the Service. The Service assists you in organising and preparing financial and tax information but does not independently verify the accuracy of the underlying data you provide.

6.3 Prohibited Conduct

You must not:

Attempt to gain unauthorised access to the Service, other users' accounts, or any systems or networks connected to the Service.
Introduce any viruses, malware, or other harmful code into the Service.
Reverse-engineer, decompile, or disassemble any part of the Service.
Use the Service to transmit unsolicited commercial communications (spam).
Use automated scripts, bots, or scrapers to access the Service except through our official API, where available.
Resell, sublicense, or commercially redistribute any part of the Service without our prior written consent.
Use the Service in any manner that could disable, overburden, or impair our servers or interfere with any other party's use of the Service.

7. Pricing, Fees and Reasonable Usage of Services

7.1 Pricing

Certain features of the Service may be offered on a subscription or pay-per-use basis. Where applicable, fees will be clearly displayed before you commit to a purchase. All fees are stated in euros (EUR) and are inclusive of VAT (BTW) where applicable, unless otherwise stated.

Where a feature is offered against a one-time fee (including the personal income tax filings referred to in Section 10.6), submitting the filing to the Belastingdienst through the Service, or downloading the generated filing file, constitutes your acceptance of the applicable one-time fee for that filing. If the corresponding payment fails, is not completed, or is subsequently reversed, that fee remains due and payable, and we may invoice you for it.

7.2 Changes to Fees

We reserve the right to modify our pricing at any time, with reasonable notice given to existing subscribers. Without limiting the foregoing, such modifications may include, but are not limited to:

(a) changes to the monthly or annual subscription fees for any plan;
(b) introduction of usage-based fees for specific features, including but not limited to AI-powered calculations, WhatsApp-based receipt entries, and AI query services (e.g., per-transaction fees, per-query fees, or overage charges);
(c) reclassification of features between subscription tiers;
(d) discontinuation of free access to certain features or the free plan as a whole.

Taxmo shall provide users with at least thirty (30) days' prior written notice of any fee change that affects their current subscription plan. Notice may be given by email, in-app notification, or publication on the Taxmo website. If a user does not agree with a fee change, the user may cancel their subscription before the change takes effect. Continued use of the Service after the effective date of a fee change constitutes the user's acceptance of the new pricing.

Fee changes shall not apply retroactively to fees already paid. Any prepaid subscription periods shall continue at the rate in effect at the time of payment until the end of the prepaid period in which the lapse of the 30-day notice period falls, after which the new pricing shall apply.

7.3 Non-Payment

Failure to pay any fees when due may result in suspension or termination of your access to the Service.

7.4 Promotional Offers and Trial Periods

Taxmo may offer promotional pricing, discounts, or trial periods from time to time. Such offers are subject to the specific terms communicated at the time of the promotion and may be withdrawn or modified at Taxmo's discretion. Promotional pricing does not establish a right to continued service at the promotional rate beyond the specified promotional period. Upon expiration of a promotional or trial period, the standard pricing for the applicable subscription plan shall apply automatically unless the user cancels prior to the expiration date. At the end of your promotional free trial you will no longer be eligible to exercise your right of withdrawal as described in Section 13.4.3 below.

7.5 Reasonable Use of Services

7.5.1 Taxmo provides certain features that rely on third-party services and computational resources, including but not limited to AI-powered tax calculations, AI-assisted bookkeeping queries, and WhatsApp-based receipt and expense entry ("Resource-Intensive Features"). Taxmo reserves the right to determine what constitutes reasonable usage of Resource-Intensive Features for each subscription plan, and may adjust such thresholds at its sole discretion from time to time.

7.5.2 The use of Resource-Intensive Features is subject to reasonable use limits. Taxmo reserves the right, at its sole discretion, to:

(a) set, adjust, or enforce volume limits on the number of AI calculations, WhatsApp entries, queries, or other interactions a user may perform within a given period;
(b) throttle, restrict, or temporarily suspend access to Resource-Intensive Features if a user's usage significantly exceeds what Taxmo considers reasonable for the applicable subscription plan;
(c) introduce or modify usage tiers, quotas, or rate limits for any feature at any time, with or without prior notice.

7.5.3 What constitutes "reasonable use" may vary depending on the user's subscription plan, the nature of the feature, and the resources required to provide the service. Taxmo may publish usage guidelines or limits from time to time, which shall form part of these Terms.

7.5.4 If Taxmo determines that a user's usage of any feature is excessive, unreasonable, or places an unreasonable burden on our systems or third-party service providers, Taxmo may, without liability:

(a) notify the user and request a reduction in usage;
(b) temporarily or permanently restrict the user's access to the affected feature(s);
(c) require the user to upgrade to a higher subscription plan that accommodates the user's usage level;
(d) suspend or terminate the user's account in accordance with the termination provisions of these Terms.

7.5.5 Taxmo shall not be liable for any loss, damage, or inconvenience arising from the enforcement of this term, including but not limited to reduced access to features, service interruptions, or account restrictions.

7.6 Right of Withdrawal

7.6 After signing up to one of our Plans, you have a fourteen (14) day right of withdrawal, which can be exercised following the process outlined in Section 13.4.3.

7.7 Free Trial and Automatic Subscription Notice

⚠ Your free trial lasts 1 month at no cost (€0.00). At the end of this period, your subscription will automatically convert to a paid plan and your payment method will be charged €12.99/month excl. VAT unless you cancel before the trial ends.

14-day right of withdrawal: You may cancel within 14 days of sign-up without giving any reason. Since this falls within your free trial, no charges apply and no pro rata costs will be incurred.

Cancel anytime during the trial: Account Settings → Subscription → "Cancel My Subscription", or email support@taxmo.nl. Cancelling is as easy as signing up.

8. Intellectual Property

8.1 Our Intellectual Property

All intellectual property rights in the Service, including but not limited to the software, design, text, graphics, logos, and trademarks, are owned by or licensed to Taxmo. Nothing in these Terms grants you any right, title, or interest in our intellectual property except the limited right to use the Service in accordance with these Terms.

8.2 Your Content

You retain all ownership rights in your User Content. By submitting User Content to the Service, you grant us a non-exclusive, worldwide, royalty-free licence to use, process, store, and transmit your User Content solely for the purpose of providing and improving the Service. This licence terminates when you delete your User Content or close your account, except to the extent required by law or our legitimate business interests (such as maintaining backups).

9. Data Protection and Privacy

9.1 Legal Basis for Processing

We process personal data in accordance with the GDPR and the Dutch Implementation Act for the GDPR (Uitvoeringswet AVG). Therefore, by using our Services, whether under remuneration or for free, you also acknowledge that we collect the data from you on lawful grounds as:

your consent,
for the purpose of providing, improving and developing the services under the contract and for pre-contractual requirement prior to concluding the agreement between us,
for legitimate interests as marketing and development based on consent where applicable,
where the law requires us.

9.2 Privacy Policy

9.2.1 Full details of how we collect, use, store, and share your personal data are set out in our Privacy Policy, which is available on taxmo.nl and forms part of these Terms. Key points include:

We act as a data controller in respect of the personal data you provide to us.
Where User Content is transmitted to Third-Party processors that are based in the USA (such as Anthropic) or belong to groups based there (such as AWS and Neon), appropriate data processing agreements and safeguards are in place, including, where necessary, Data Processing Agreements, Standard Contractual Clauses (SCCs) as published by the European Commission under Article 46(2)(c) GDPR, or other appropriate transfer mechanisms for international data transfers.

9.2.2 You have rights under the GDPR including the right of access, rectification, erasure, restriction, data portability, and the right to object to processing. To exercise any of these rights, please contact us at privacy@taxmo.nl. You also have the right to lodge a complaint with the Autoriteit Persoonsgegevens (Dutch Data Protection Authority) if you believe your data protection rights have been violated.

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, loss, or destruction.

10. Disclaimers

10.1 Not Professional Tax or Accounting Advice

IMPORTANT DISCLAIMER: The Service is a software tool designed to assist you with bookkeeping and tax preparation. It does not constitute professional tax advice, accounting advice, financial advice, or legal advice. The Service is not a substitute for consultation with a qualified accountant, belastingadviseur (tax adviser), or other professional. You are solely responsible for the accuracy of your tax returns and compliance with Belastingdienst requirements. We strongly recommend that you seek independent professional advice for complex tax matters.

10.2 AI Output Disclaimer

Any output, suggestion, calculation, or recommendation generated by the AI components of the Service (including via the Claude API) is provided for informational and assistive purposes only. AI-generated content may be inaccurate, incomplete, fictitious (also known as hallucinated), or out of date. You must not treat AI-generated outputs as definitive or authoritative. You bear full responsibility for reviewing, verifying, and approving any information before submission to the Belastingdienst or reliance in any financial decision.

10.3 No Guarantee of Tax Outcomes

Except as expressly provided in Section 10.6 (Accuracy Guarantee), we do not guarantee any particular tax outcome, refund amount, or reduction in tax liability. Tax calculations are based on the data you provide and the rules as understood by the Service at the time of processing. Tax law is complex and subject to change, and the Belastingdienst may interpret rules differently from the Service's calculations.

Estimates, previews, and other information shown by the Service before you approve and submit a filing are for guidance purposes only and do not constitute a deliverable product for tax submission purposes.

10.4 Service Availability

The Service is provided on an "as is" and "as available" basis. We do not warrant that the Service will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We may suspend or restrict access to the Service at any time for maintenance, updates, or for any other reason without liability to you, though we will endeavour to provide reasonable notice where practicable.

10.5 Third-Party Service Disclaimer

We are not responsible for the acts, omissions, availability, or policies of any Third-Party service providers, including Anthropic, the Hosting Providers, payment processors, or Belastingdienst digital services. Your use of the Service is at your own risk to the extent that it depends on the performance and availability of Third-Party services. We do, however, provide the minimum requirements necessary for operating these external Third-Party integrations.

10.6 Accuracy Guarantee for Dutch Personal Income Tax Filings

10.6.1 Scope. This Section 10.6 applies where you have paid the applicable one-time fee for a Dutch personal income tax filing and that filing has been submitted to the Belastingdienst through the Service, or filed by you using the unaltered filing file generated by the Service (each a "Covered Filing"). Covered Filings include an inkomstenbelasting return (including an M-form) and an opgaaf werkelijk rendement. This Section does not apply to BTW (VAT) returns, Belgian filings, free features, estimates, or filings that were prepared but not submitted.

10.6.2 The guarantee. If the Belastingdienst imposes an administrative penalty (bestuurlijke boete, such as a verzuimboete or vergrijpboete) on you, and that penalty is directly and demonstrably caused by a calculation error in the Service (an incorrect arithmetic application of the applicable tax rules by the Service's calculation engine to the data you entered), we will: (a) refund the fee you paid for the Covered Filing; and (b) reimburse the amount of the penalty that you actually paid and that was not reversed, up to a maximum of five hundred euros (EUR 500) per Covered Filing.

10.6.3 Conditions. The guarantee applies only if: (a) the information you entered was accurate and complete (Section 6.2) and you did not alter the generated filing before submission; (b) you notify us at support@taxmo.nl within thirty (30) days of the date of the penalty decision (boetebeschikking), and in any event in sufficient time to allow an objection (bezwaar) to be filed within the statutory deadline, enclosing a copy of the assessment, the penalty decision, and any related Belastingdienst correspondence; and (c) you give us a reasonable opportunity to verify the error and, at our cost, to assist you in correcting the filing or objecting to the penalty before reimbursement. If the penalty is subsequently reduced or cancelled, the guarantee applies only to the part that remains payable by you.

10.6.4 Exclusions. The guarantee does not cover: (a) the underlying tax legally due, tax interest (belastingrente), or collection interest (invorderingsrente); (b) penalties caused wholly or partly by inaccurate, incomplete, or late information provided by you, by your failure to file or pay on time for reasons not attributable to the Service, or by your failure to respond to Belastingdienst correspondence; (c) penalties relating to entries you made contrary to guidance shown in the Service, or attributable to fraud, intent (opzet), or gross negligence (grove schuld) on your part; (d) the consequences of changes in law or policy after submission, or of a Belastingdienst interpretation of an unsettled point of law that differs from a reasonably defensible position (pleitbaar standpunt) applied by the Service; and (e) adviser costs or other indirect or consequential losses (Section 11.2).

10.6.5 Single remedy; statutory rights. The guarantee may be invoked once per Covered Filing. To the maximum extent permitted by Applicable Law, payment under this Section 10.6 is the sole and exclusive remedy for the calculation error concerned. This Section does not exclude, restrict, or limit your mandatory statutory rights as a consumer (Section 11.3); where those rights provide greater protection, they prevail.

10.6.6 Precedence. This Section 10.6 prevails over Sections 10.3 and 11.2 to the extent of any conflict, but only in respect of the specific remedy it provides.

11. Limitation of Liability

11.1 General Limitation of Liability

To the maximum extent permitted by applicable law, our total aggregate liability to you for all claims arising out of or in connection with these Terms or your use of the Service shall be limited to the greater of:

(a) the total fees paid by you to us in the twelve (12) months immediately preceding the event giving rise to the claim; or
(b) one hundred euros (EUR 100),

except in the case of claims arising directly from a material defect in the Service's core tax filing or calculation functionality where you have provided accurate and complete input data and used the Service in accordance with our documentation. In such cases, our liability shall not exceed the amount actually recoverable under our professional liability insurance policy (beroepsaansprakelijkheidsverzekering) in force at the time of the claim, subject to the terms and conditions of that policy.

Nothing in these Terms shall exclude or limit our liability for (i) death or personal injury caused by our negligence, (ii) fraud or wilful misconduct, or (iii) any other liability that cannot be excluded or limited under Applicable Law, including our obligations under the General Data Protection Regulation (EU 2016/679).

11.2 Exclusion of Consequential Losses

To the maximum extent permitted by Applicable Law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of revenue, loss of data, loss of business opportunity, penalties or fines imposed by the Belastingdienst or any other authority (except as expressly provided in Section 10.6), or any other losses, whether in contract, tort (including negligence), strict liability, or otherwise, even if we have been advised of the possibility of such damages. This includes the exclusion of liability for any unforeseeable consequences that may arise from your use of the Services.

The exclusions in this Section 11.2 shall not apply to the extent that the damage is directly caused by a material defect in the Service's core filing or calculation functionality, provided that the User has used the Service in accordance with the documentation and has provided accurate and complete input data. In such cases, liability shall be subject to the cap in Section 11.1.

11.3 Statutory Rights

Nothing in these Terms shall exclude or limit our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under Applicable Law, including your statutory rights under Dutch consumer protection law (Title 5 of Book 6 of the Dutch Civil Code). If you are a consumer, you have legal rights in relation to services that are not performed with reasonable care and skill; these Terms do not affect those rights.

11.4 Data Loss and Destruction

Taxmo takes reasonable technical and organisational measures to protect the integrity and availability of your data in accordance with applicable law, including the GDPR (specifically our obligation under Article 32). However, no system is infallible. Taxmo shall not be liable for data loss caused by circumstances beyond its reasonable control, provided it has fulfilled its obligations under applicable data protection legislation. You are strongly advised to maintain your own records and not rely solely on Taxmo as the only copy of your financial data.

11.5 Duty to Mitigate

You shall take all reasonable steps to mitigate any loss or damage arising out of or in connection with your use of the Service. Without limiting the generality of the foregoing, this includes:

(a) notifying us in writing at support@taxmo.nl without undue delay, and in any event within fourteen (14) days, of becoming aware of any error, defect, or inaccuracy in any tax filing, calculation, or data processing carried out through the Service;
(b) taking reasonable corrective action where possible, including but not limited to submitting a corrected filing (suppletieaangifte) with the Belastingdienst or other relevant authority;
(c) maintaining your own records and copies of all financial data, tax filings, and supporting documentation, and not relying solely on the Service as the exclusive repository of such information; and
(d) cooperating with us in good faith in investigating and resolving any reported issue.

Our liability shall be reduced proportionally to the extent that your failure to comply with the obligations in this clause has contributed to or increased the loss or damage suffered.

12. Indemnification

12.1 Your Indemnity Obligations

You agree to indemnify, defend, and hold harmless Taxmo, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Service; (b) your breach of these Terms; (c) the inaccuracy of any User Content you submit; (d) any claim that your User Content infringes the rights of a third party; or (e) your violation of any Applicable Law or Belastingdienst regulation.

13. Termination

13.1 Termination by You

You may terminate your account at any time by following the account closure procedure on taxmo.nl or by contacting us. Upon termination, your right to use the Service will cease immediately. Pre-paid fees are non-refundable unless required by Applicable Law.

13.2 Termination by Us

We may suspend or terminate your access to the Service immediately, without prior notice or liability, if: (a) you breach any provision of these Terms; (b) your use of the Service poses a security risk; (c) we are required to do so by law or a regulatory body; or (d) we discontinue the Service or any material part thereof.

13.3 Effect of Termination

Upon termination, we will delete or anonymise your personal data in accordance with our Privacy Policy and Applicable Law, subject to any legal retention obligations. You are responsible for exporting your data prior to termination. Sections of these Terms that by their nature should survive termination shall so survive, including but not limited to Sections 8, 10, 11, 12, 13.4, 14, 15, and 16.

13.4 Right of Withdrawal and Cancellation Notice

13.4.1 Statutory Right of Withdrawal (Herroepingsrecht)

If you are a consumer within the meaning of Article 6:230g of the Dutch Civil Code (Burgerlijk Wetboek, "BW"), you have the right to withdraw from this agreement without giving any reason within fourteen (14) calendar days from the date on which the agreement was concluded, in accordance with Article 6:230o of the Dutch Civil Code and Article 9 of the EU Consumer Rights Directive (Directive 2011/83/EU), as implemented in Dutch law.

13.4.2 Pro Rata Charges During the Withdrawal Period

Where you have expressly requested that performance of the Service commence during the fourteen (14) day withdrawal period, and you subsequently exercise your right of withdrawal, you shall owe us a proportional amount (pro rata) corresponding to the proportion of the Service actually provided up to the moment you notified us of your withdrawal, relative to the full coverage of the agreement. This is in accordance with Article 6:230o(3) of the Dutch Civil Code and Article 14(3) of Directive 2011/83/EU. Any remaining prepaid amounts, after deduction of such pro rata charges, shall be refunded to you within fourteen (14) days of receipt of your withdrawal notice.

13.4.3 How to Exercise Your Right of Withdrawal

To exercise your right of withdrawal, you must notify us by an unambiguous statement (e.g., by email to support@taxmo.nl or via the account closure procedure on taxmo.nl) before the expiry of the fourteen (14) day withdrawal period (the "Grace Period"). You may use the model withdrawal form prescribed under Annex I(B) of Directive 2011/83/EU, though use of this form is not mandatory.

13.4.4 Cancellation After the Withdrawal Period

After the expiry of the fourteen (14) day withdrawal period referred to in Section 13.4.1, you may cancel your subscription or terminate your use of the Service at any time by providing a minimum written notice period of one (1) calendar month. Such notice must be submitted via the account closure procedure on taxmo.nl or by written communication to support@taxmo.nl. Your access to the Service will continue until the end of the applicable notice period, after which your account will be closed in accordance with Section 13.3 of these Terms. Pre-paid fees covering the period beyond the effective termination date are non-refundable unless otherwise required by Applicable Law.

13.4.5 Preservation of Statutory Rights

Nothing in this Section 13.4 shall exclude, restrict, or limit your statutory rights as a consumer under Dutch law, including but not limited to those arising under Title 5 of Book 6 of the Dutch Civil Code (Burgerlijk Wetboek) and the EU Consumer Rights Directive (Directive 2011/83/EU). To the extent any provision of these Terms conflicts with your mandatory statutory rights, your statutory rights shall prevail.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Netherlands.

14.2 Jurisdiction

Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of Amsterdam, the Netherlands, save that if you are a consumer habitually resident in another EU Member State, you may also bring proceedings in the courts of that Member State in accordance with Regulation (EU) No 1215/2012 (Brussels I Recast).

14.3 Alternative Dispute Resolution

If you are a consumer, you may also be entitled to use the European Commission's Online Dispute Resolution (ODR) platform, available at https://ec.europa.eu/consumers/odr. Details of any applicable alternative dispute resolution (ADR) scheme will be provided upon request.

15. Changes to These Terms

15.1 Right to Amend

We reserve the right to amend these Terms at any time. Where we make material changes, we will notify you by email (if you have provided one) or by requiring your acceptance by electronic means before accessing the Service.

If the changes have material effect on our Service provisions, such as pricing, we will post a prominent notice on taxmo.nl at least thirty (30) days before the changes take effect.

15.2 Acceptance of Changes

Your continued use of the Service after the effective date of the amended Terms constitutes your acceptance of the changes. If you do not agree to the amended Terms, you must stop using the Service and close your account.

16. Miscellaneous

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Taxmo with respect to the Service and supersede all prior agreements, representations, and understandings, subject to Section 2.3 regarding individually negotiated contracts.

16.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable while maintaining its original intention, or if modification is not possible, severed from these Terms, the remaining provisions shall continue in full force and effect.

16.3 Waiver

No failure or delay by us in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy, nor shall any single or partial exercise of any right or remedy preclude any further exercise of that or any other right or remedy.

16.4 Assignment

You may not assign, transfer, or sublicense any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms to any affiliate or successor in connection with a merger, acquisition, reorganisation, or sale of all or substantially all of our assets. Such changes shall be communicated with at least thirty (30) days' notice, so that you may be aware of such substantial changes as well as the identification of such entities with whom we shall conduct such mergers, acquisitions, reorganisation, or sale.

16.5 Third-Party Rights

Except as expressly provided in these Terms, no person who is not a party to these Terms shall have any rights under these Terms. There are no third-party beneficiary rights under these Terms, except where expressly stated.

16.6 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, governmental actions, power failures, internet outages, or the failure of Third-Party services (including Claude and the Hosting Providers' infrastructure).

16.7 Notices

All notices to us should be sent via the contact methods published on taxmo.nl. Notices to you will be sent to the email address associated with your account or posted on the Service.

17. Contact Information

17.1 How to Reach Us

If you have any questions, concerns, or complaints about these Terms or the Service, please contact us at privacy@taxmo.nl.

Taxmo B.V.
NDSM-Straat 117
1033 NA Amsterdam
The Netherlands
KvK: 42180642
BTW: NL870068714B01

Last updated: 5 October 2026