Terms & Conditions

1. About this service

The Unclaimed Billions Project (“the Service”) is operated by Cassius Group Limited (“we”, “us”, “our”). We provide a document preparation and postal delivery service that helps UK higher-rate and additional-rate taxpayers claim pension tax relief they may be entitled to under Section 192 of the Finance Act 2004.

We are not tax advisers, financial advisers, or agents of HM Revenue & Customs (HMRC). This Service does not constitute tax advice or financial advice. All claims are prepared based on information you provide and submitted at your own discretion.

You can submit a claim directly to HMRC yourself, without charge. You may do this by including the relief on your Self Assessment tax return, by writing to HMRC, or by calling them directly. Our Service exists to make this process simpler and faster for those who prefer not to do it themselves.

2. How the service works

When you use the Service, you:

1. Upload payslip images or PDFs, which are analysed to extract the information HMRC requires.
2. Review and confirm the extracted data, including your personal details and pension contribution history.
3. Pay a one-off administration fee of £30.
4. We generate a claim letter and post it to HMRC on your behalf via Royal Mail.

HMRC will process your claim and respond directly to you. We have no control over HMRC’s decisions, processing times, or the outcome of any claim.

3. Your obligations

By using the Service, you confirm that:

• All information you provide is accurate and complete to the best of your knowledge.
• You are a UK taxpayer entitled to use this Service.
• You have reviewed the claim letter before confirming it for posting.
• You understand that we are preparing documents on your behalf, not providing tax or financial advice.
• You are responsible for verifying your own eligibility to claim pension tax relief.

4. Current year claims

Where your claim includes the current tax year, we request that HMRC adjust your tax code to reflect the additional relief due. This is based on the pension contributions you reported at the time of your claim.

If your circumstances change during the tax year - for example, your pension contributions increase or decrease, you change employer, or your income changes significantly - it is your responsibility to inform HMRC. Failure to do so could result in an incorrect tax code and you may end up owing tax or receiving less relief than expected.

5. Fees and payment

The Service costs a flat fee of £30, payable before your letter is posted. This covers document preparation, printing, and postage. There are no hidden charges, percentage-based fees, or recurring payments.

Payment is processed securely by Stripe. We do not see or store your full payment card details.

6. Refund policy

If your claim is unsuccessful - that is, HMRC determines that you are not entitled to additional pension tax relief - we will refund your £30 fee in full. To claim a refund, submit a copy or photo of the HMRC response letter via our contact form.

If your letter fails to post due to a technical error on our end, we will refund your fee automatically.

We are unable to offer refunds for change of mind once the letter has been posted, as the service has been fully delivered at that point.

7. Cancellation rights

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a 14-day cooling-off period from the date of purchase during which you may cancel for any reason.

However, because our Service begins immediately upon payment (generating and posting your letter), by proceeding with payment you give your explicit consent for the Service to begin during the cooling-off period. You acknowledge that once the letter has been posted, the Service is fully delivered and you lose your right to cancel.

If you wish to cancel before the letter has been posted, please contact us immediately via our contact form.

8. Estimates and calculations

Any estimates or calculations shown by the Service (including the quick estimate tool) are indicative only and based on general UK tax rules applied to the information you provide. They do not constitute a guarantee of any refund amount. The actual relief you receive is determined solely by HMRC based on your complete tax position.

9. Limitation of liability

To the maximum extent permitted by law, our total liability to you in connection with the Service is limited to the amount of fees you have paid to us (£30).

We are not liable for:

• HMRC’s decisions, processing times, or rejection of any claim.
• Errors arising from incorrect, incomplete, or misleading information provided by you.
• Postal delays or losses by Royal Mail or any third-party carrier.
• Any indirect, incidental, or consequential losses.

Nothing in these terms excludes or limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law. Your statutory rights under the Consumer Rights Act 2015 are not affected.

10. Data handling

We take your privacy seriously. Your payroll data is processed in-memory and never stored on our servers. We retain only your name and email address for correspondence purposes. For full details, please see our Privacy Policy.

11. Intellectual property

All content, design, and branding on this website is owned by Cassius Group Limited. You may not reproduce, distribute, or create derivative works from any part of this website without our prior written consent.

12. Changes to these terms

We may update these terms from time to time. Any changes will be posted on this page with an updated revision date. Continued use of the Service after changes are posted constitutes acceptance of the revised terms.

13. Governing law

These terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact

If you have any questions about these terms, please get in touch via our contact form.