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© 2024 Refundo.
Disclosures | Refundo
Refund Settlement: Refundo is a financial technology company, not a bank.Optional bank deposit product — not a loan — provided by Evolve Bank &Trust, Member FDIC. E-filing required. Processing fee of $44.95 withheld from refund upon IRS or state funding; remaining balance disbursed to taxpayer, net of tax preparation and other applicable fees. Not required to e-file or receive a refund. Terms and conditions are subject to change, at Refundo’s discretion.
Refundo NOW Advance: Refundo is a financial technology company, not a bank.Optional tax refund-related consumer loan originated by Evolve Bank &Trust, Member FDIC — not your actual tax refund. Available loan amounts:$500–$9,500. Subject to eligibility and approval. A 3.55% origination fee applies and will be deducted from your refund. Non-recourse loan: the NOW is repaid solely from your IRS/state tax refund. Your preparer pays a fee to Refundo for each approved NOW Advance, but that fee may not be charged or passed through to you. You may e-file without applying for this loan. Evaluated under the Equal Credit Opportunity Act. APR and representative example disclosed at point of application. Terms and conditions are subject to change at Refundo’s discretion.
RPay (Early Delivery): Optional expedited disbursement service facilitated through Evolve Bank & Trust, Member FDIC. A flat $20.00 per-transaction fee applies. RPay is designed to make your federal refund available up to five (5)days early, subject to IRS pre-notification, identity verification, fund availability, and your bank's processing capabilities. Fee not charged if eligibility requirements are not met. Terms and conditions are subject to change, at Refundo’s discretion.
HERO Advance: HERO Advance is a commercial purchase and sale of future receivables product offered by Refundo to Electronic Return Originators("ERs") and tax professionals. HERO Advance is a business-to-business (B2B) product and is not a consumer loan, consumer credit product, or consumer financial service. The transaction constitutes the purchase and sale of future accounts receivable and shall not be construed as a loan, extension of credit, or financing arrangement. Subject to commercial credit approval and underwriting in Refundo’s sole discretion, including review of financial statements, bank records, transactional history, and credit reports. Approval is not guaranteed. A security interest in merchant assets, including accounts receivable, equipment, inventory, and general intangibles, as well as a personal guaranty from the owner(s), will be required as a condition of funding. Merchants and guarantors may be subject to UCC-1 financing statement filings. All fees, including but not limited to administrative setup fees, monthly maintenance fees, ACH transaction fees, failed payment fees, and default interest, are set forth in the applicable fee schedule and are subject to change. In the event of default, a default rate of 16% per annum applies to the outstanding amount purchased, and merchants shall be liable for attorneys' fees and collection costs. Disputes arising under or relating to HERO Advance agreements are subject to binding arbitration administered by the American Arbitration Association (AAA) in New York City, and the parties waive the right to jury trial and class action proceedings, to the extent permitted by law. AllHERO Advance agreements are governed by the laws of the State of New York,without regard to conflicts of law principles. Terms and conditions are subject to change at Refundo's discretion. This disclosure does not constitute an offer or commitment to provide funding. For informational purposes only.
PTIN Pay: Optional fee disbursement technology service; 2.99%per-transaction fee. Automates the distribution of tax preparation fees to preparers. Not a loan or credit product.
Split Fees: Optional payment routing technology service; 2.99%per-transaction fee. Automates the distribution of collected preparation fees among EROs, offices, and Service Bureaus. Not a loan or advance. Terms and conditions are subject to change, at Refundo’s discretion.
Disclosures | Refundo 1.1 | Effective 05/05/2026