Refund Advance Program – Important Terms and Conditions

 The Refund Advance is available to eligible taxpayers who file their tax return through Klickety Klack Taxes, LLC. To qualify for a Refund Advance, you must meet specific eligibility criteria, including providing the required documentation. Approval for the Refund Advance is subject to review of your tax return and other necessary documents. The loan amount may vary based on your expected refund. 

 To apply for the Refund Advance, you must provide the following documentation:

1. Valid Government-Issued Photo ID: A state-issued driver’s license, passport, or other government-issued identification.
2. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN): Your SSN or ITIN must be provided for tax filing and verification purposes.
3. Proof of Income: This includes:
   • W-2 Forms from all employers for the current year, or
   • 1099 Forms if you are self-employed or have other sources of income (e.g., interest, dividends, or contract work).

1. Proof of Address: A recent utility bill, bank statement, or lease agreement.
2. Bank Account Information: If you wish to receive your Refund Advance via direct deposit, you must provide a valid bank account number and routing number.
3. Tax Return Information: Your most recent tax return, if available, to confirm your filing status and refund estimate. In some cases, a signed power of attorney may be required if your return has been filed by someone other than yourself (e.g., a tax preparer).

Refund Advance amounts range from $500 to $9,500, depending on your expected refund amount. The loan is a short-term advance against your expected federal tax refund, which will be repaid directly from your refund once processed by the IRS. 

 The Refund Advance is a no-interest loan. However, there may be fees associated with obtaining the loan, including any applicable fees. These fees will be clearly disclosed during the application process and deducted from your loan amount. 

The Refund Advance will be repaid directly from your federal tax refund. If your refund is less than the amount of your advance, you will be responsible for repaying the difference. In the event that the IRS reduces or adjusts your refund, you will still be required to repay the full amount of the loan. 

Refund Advance funds are generally available within 24 hours to 3 business days after approval. The availability of funds depends on your specific financial institution and may be subject to delays. The full refund (minus the advance and fees) will be issued once your IRS refund is processed. 

You are responsible for repaying the Refund Advance loan if your tax refund is delayed, reduced, or if the IRS rejects your return. The loan will be repaid from your IRS refund once it is issued, and any remaining balance will be due and payable immediately. 

The Refund Advance is separate from the actual processing of your tax refund. Your tax return will be filed as usual, and your Refund Advance loan will be deducted once your refund is issued by the IRS.

• The Refund Advance is a loan, not an actual refund. It must be repaid, regardless of the amount of your tax refund.
• Eligibility for the Refund Advance is subject to IRS and lender approval.
• Klickety Klack Taxes, LLC. is not responsible for any delays in the processing of your IRS refund or any discrepancies in the amount received.
• Refund Advance amounts and eligibility criteria are subject to change based on IRS guidelines and lender policies.

By applying for a Refund Advance, you consent to allow Klickety Klack Taxes, LLC. to share your tax return information with the lender for approval and processing of your loan application. All personal information will be kept confidential and handled according to Klickety Klack Taxes LLC.'s privacy policy. 

This program is not available in all states. Please consult with a tax professional for more details on availability and eligibility in your state. Terms and conditions of the Refund Advance Program are subject to change at any time, without prior notice.