Terms of Use & Disclaimers

Effective date: 28 July 2026 · Ελληνική έκδοση · Privacy Policy

In short: Taxemas provides free informational tools, not professional advice. All results are estimates. Always verify with a licensed accountant or the Cyprus Tax Department before filing, paying, or making any financial decision. By using the site you accept these terms in full.

1. Who we are and acceptance of these terms

Taxemas ("Taxemas", "we", "us") is operated by Andreas Magirou, the owner and operator of taxemas.com (a private individual based in the Republic of Cyprus). You can contact us at info@taxemas.com. These Terms of Use (the "Terms") form a binding agreement between you and us governing your access to and use of the website and web application available at taxemas.com, including its installable (PWA) version and all tools, content and services offered on it (together, the "Service"). The Service is intended for users aged 18 or over.

By accessing or using the Service you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you must not use the Service. If you use the Service on behalf of a company or another person, you confirm you are authorised to bind them to these Terms.

2. What the Service is — and what it is not

The Service consists of free informational tools relating to taxation in the Republic of Cyprus, including: an income tax and contributions calculator; a deduction finder questionnaire; comparison and planning tools (such as reverse-rate, "company vs self-employed" and employer-cost comparisons); an AI-assisted receipt/expense reader; a summary-and-questions handoff you can send to an accountant (generated in your browser); an option to email your expense report (with the receipt files attached) to an address you choose; a plain-language FAQ; links to official government sources; and a directory through which you may request contact with independent, licensed accounting firms.

The Service is not: an accounting, audit, tax-advisory, legal or financial-services firm; a tax-return preparation or filing service; or a substitute for professional advice. We are not members of ICPAC (Institute of Certified Public Accountants of Cyprus) and we do not prepare, review or submit tax returns or any other filing on your behalf.

3. No professional advice — the core disclaimer

Nothing on the Service constitutes, or should be relied upon as, tax, accounting, legal, financial or investment advice, and no accountant–client, advisor–client or other professional relationship is created by your use of the Service. All content and all tool outputs are general information and simplified estimates provided for orientation and educational purposes only.

Tax outcomes depend on individual facts and circumstances that the Service does not and cannot fully capture (for example: minimum insurable amounts per profession, special regimes, foreign income, residence and domicile particulars, timing rules, and transitional provisions). Before making any decision — including filing a return, choosing a business structure, claiming a deduction or exemption, making a payment, or relying on any figure — you must verify the position with a licensed professional and/or the Cyprus Tax Department. You act on information from the Service entirely at your own risk.

4. Accuracy, currency and sources

Figures used by the Service are based on our good-faith understanding of Cyprus tax legislation, including the tax reform voted by the House of Representatives on 22 December 2025 with effect from 1 January 2026. Legislation, regulations, official guidance and their interpretation change, sometimes retroactively. We make reasonable efforts to keep figures current, but we do not warrant that any content or calculation is accurate, complete, current or error-free at any given time. Where the Service displays a "figures last verified" date, that date reflects our most recent review, not a guarantee of correctness.

5. Calculators and tools — estimates only

All calculator outputs (net income, tax, social insurance, GESY, deductions, savings estimates, rate suggestions, structure comparisons) are simplified estimates. They may differ — sometimes materially — from your actual liabilities or entitlements.
The tools intentionally simplify: they do not model every allowance, cap, minimum, exception or interaction in the law, and they assume the accuracy of the inputs you provide.
The "Deduction Finder" estimates are indicative potential savings, not confirmations of eligibility. Eligibility depends on statutory conditions that only a professional review can confirm.
No output of the Service constitutes a tax computation within the meaning of any law, and no output may be submitted to any authority as such.

6. AI-assisted features

The receipt/expense reader uses artificial-intelligence models provided by a third party (OpenAI's GPT models) via our server. You acknowledge and agree that:

AI systems can and do produce incorrect, incomplete or fabricated outputs. Extracted amounts, dates, VAT figures, categories and any "deductible" indication may be wrong and are suggestions only; you must check every value against the original document.
Files you upload are processed transiently in memory for the purpose of reading them and are not stored by us; if you use the optional report-emailing feature they are additionally forwarded once, as email attachments, to the recipient you specify (see the Privacy Policy for details, including third-party processing).
You must only upload documents you have the right to process. Do not upload documents containing other people's personal data unless you have a lawful basis to process that data.
AI features are rate-limited per user and capped globally per day, and may be modified, suspended or withdrawn at any time without notice.

7. Accountant directory and lead requests

The directory and the contact form let you request contact with independent accounting firms ("Partner Firms"). Partner Firms are not our employees, agents or partners in the legal sense; they are independent controllers of the data they receive and independent providers of their services.
We do not supervise, endorse or guarantee any Partner Firm's services, availability, qualifications, response, fees or results. Any engagement is concluded directly between you and the firm, on the firm's terms; we are not a party to it and accept no liability arising from it.
Referral disclosure: we may receive listing fees, referral fees or other compensation from Partner Firms. This compensation does not increase what you pay a firm. Routing of unassigned requests (by city and rotation) is automated and not a ranking of quality.
Using the form is free and creates no obligation for you or for any firm to enter into an engagement.

8. Acceptable use

You agree not to, and not to attempt to:

use the Service for any unlawful purpose or in breach of these Terms;
circumvent, disable or interfere with rate limits, usage caps, security or anti-abuse measures;
access the Service by automated means (bots, scrapers, bulk requests) or resell, frame or republish it;
submit false, misleading or spam content through any form, or impersonate any person or firm;
use the email-sending features (accountant requests, expense-report sending) to send unsolicited, deceptive, harassing or unlawful messages, or to any recipient who has not agreed to receive them;
upload malicious files or content that is unlawful, infringing or that you have no right to process;
use the AI endpoints for any purpose other than the features offered through the interface;
reverse engineer, decompile or copy non-public parts of the Service except where the law permits.

We may restrict, suspend or block access (including by IP) where we reasonably suspect abuse.

9. Intellectual property

The Service — including its texts, FAQ answers, design, graphics, name, logo and code — is owned by us or licensed to us and is protected by intellectual-property laws. You may use the Service for personal or internal business purposes and may quote short extracts of the FAQ with attribution and a link to the source page. Any other reproduction, distribution or commercial exploitation requires our prior written consent. Official government content linked from the Service belongs to its respective owners.

Feedback and suggestions. We welcome ideas, feature requests and bug reports at info@taxemas.com. If you send us feedback, you agree we may use it — in whole or in part — to operate and improve the Service, with no obligation of confidentiality, payment, attribution or credit, and without creating any partnership, employment or joint-venture relationship between us. You confirm the feedback is yours to send and contains no one else's confidential or proprietary information. We may already be working on the same idea independently, and nothing here transfers ownership of anything you have separately registered or otherwise protected. Please do not send us confidential material, and please do not send personal data about other people.

10. Third-party links, services and sponsored content

The Service links to third-party websites (including official government portals) and relies on third-party infrastructure (hosting, AI, email delivery). We do not control and are not responsible for third-party sites, their content or their availability. Your use of them is governed by their own terms.

Sponsored content: the Service may display a limited amount of clearly-labelled sponsored content ("Sponsor" / "Χορηγός") from third parties who support the free operation of the Service. Sponsorship is a paid placement, not an endorsement or recommendation by us; sponsored products and services are provided by the sponsor under its own terms, and any transaction is exclusively between you and the sponsor. Sponsored placements are static — they involve no tracking, cookies or profiling — and their presence never alters calculator results, the outputs of the AI tools, FAQ content or the routing of accountant requests.

11. Availability and changes to the Service

The Service is provided free of charge, "as is" and "as available". We may modify, suspend or discontinue the Service or any feature at any time, without notice and without liability. We do not warrant that the Service will be uninterrupted, timely, secure or error-free, or that defects will be corrected. The offline (PWA) version may display cached, and therefore outdated, content until you reconnect.

12. Disclaimer of warranties

To the maximum extent permitted by applicable law, we disclaim all warranties and conditions of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement and any warranty arising from course of dealing or usage. No advice or information obtained from the Service creates any warranty not expressly stated in these Terms.

13. Limitation of liability

To the maximum extent permitted by applicable law:

we shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, savings, data, goodwill or business opportunity, however caused;
we shall not be liable for any tax, penalty, interest, surcharge, missed deadline, missed deduction or other loss arising from reliance on the Service's content, calculations or AI outputs, or from decisions taken (or not taken) on the basis of the Service;
we shall not be liable for the acts or omissions of any Partner Firm or other third party;
our total aggregate liability for all claims relating to the Service shall not exceed one hundred euro (€100), reflecting the free nature of the Service.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (including liability for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence), and nothing affects mandatory statutory rights you may have as a consumer.

14. Indemnity

You agree to indemnify and hold us harmless from any claims, damages, losses and reasonable costs (including legal fees) arising from your breach of these Terms, your misuse of the Service, or content you submit or upload in breach of Section 8.

15. Changes to these Terms

We may amend these Terms at any time by posting the updated version on this page with a new effective date. Material changes will be reflected in the date above. Your continued use of the Service after an update constitutes acceptance of the amended Terms. If you do not agree, stop using the Service.

16. Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them or the Service, are governed by the laws of the Republic of Cyprus. The courts of the Republic of Cyprus shall have exclusive jurisdiction, without prejudice to any mandatory consumer right to bring or defend proceedings in another jurisdiction.

17. General

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. Our failure to enforce any provision is not a waiver of it. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service. We may assign or transfer these Terms and the operation of the Service to a successor operator (for example, a company formed by the current operator); this does not affect your rights. These Terms are provided in English and in Greek; in the event of any inconsistency, the English version prevails.

18. Contact

Questions about these Terms: info@taxemas.com.