Refund Match Guarantee
If they find more refund, we pay the difference.
Up to $500 per taxpayer per year. Backed by tech E&O insurance. Designed to remove every reason to hesitate trying SealedReturn.
The promise — in plain English
What we'll do.
If you (a) prepare your return on SealedReturn, (b) also prepare the same return on a competing service (TurboTax, H&R Block, TaxAct, FreeTaxUSA) within 30 days of your SealedReturn return, and (c) the competing service computes a federal refund larger than SealedReturn by more than $25 — SealedReturn will pay you the difference up to $500.
How to claim
The exact process.
Prepare your return on SealedReturn.
Complete the full flow: upload documents, run AI extraction, review every field, generate the PDF.
Within 30 days, prepare the same return on a competitor.
TurboTax, H&R Block, TaxAct, or FreeTaxUSA. Use the same source documents — the same W-2s, the same 1099s, the same Schedule C inputs.
Compare federal refunds.
If the competitor's federal refund exceeds SealedReturn's by more than $25, you have a valid claim.
Email the claim package.
Send to refund-match@sealedreturn.com. Include: (i) SealedReturn return PDF, (ii) competing return PDF, (iii) source documents, (iv) screenshots of both summary screens.
We review within 30 days.
If valid, we pay you the difference (up to $500) via Stripe / PayPal / check. If invalid, we explain why in writing.
Limits + exclusions
The fine print, written clearly.
Limits
- • Maximum payout: $500
- • One claim per taxpayer per tax year
- • Federal refund only (state refund excluded)
- • Claim must be submitted within 60 days of filing
- • Difference must exceed $25 (we don't process under-$25 claims)
Exclusions
- • Inputs that differ between services (you must use the same source documents)
- • Returns where the competitor uses tax positions or schedules SealedReturn does not support
- • Returns where the user makes input errors on either service
- • Amended returns (1040-X)
- • Prior-year returns (we only support tax year 2024 and forward at launch)
Why this guarantee exists
SealedReturn is a new brand. The single most common objection is "what if AI got it wrong and I lose money?" The Refund Match removes that objection: if a competitor finds more refund, you don't lose money — we pay you the difference. We can offer this confidently because (a) AI + a strict prompt produces deterministic output, (b) 95%+ of returns will exactly match competitor outputs (same IRS rules + same input data), and (c) the 5% delta cases are usually SealedReturn finding a deduction the user missed.
We back this with tech E&O insurance (Insureon minimum tier). Total exposure at 1,000 returns assuming 1% claim rate × $500 average payout = $5,000/yr — fully covered by the policy reserve.
Legal
The official terms.
SealedReturn ("we," "us," "our") offers a Refund Match Guarantee under the following terms. By using SealedReturn, you agree to these terms.
Eligibility. The Refund Match Guarantee is available to individual taxpayers who: (i) successfully complete a federal income tax return on SealedReturn; (ii) within 30 days of completing the SealedReturn return, prepare a federal income tax return for the same tax year on a competing service (TurboTax by Intuit, H&R Block, TaxAct by Drake Software, or FreeTaxUSA by TaxHawk); (iii) use the same source documents and inputs on both services; and (iv) submit a complete claim package as described below within 60 days of filing the federal return.
Claim package. A complete claim package includes: (a) the SealedReturn return PDF; (b) the competing service's return PDF; (c) all source documents used as inputs (W-2s, 1099s, K-1s, etc.); (d) screenshots of the summary screen of both services showing the federal refund amount; (e) a brief explanation if any inputs differ between services. Claims must be submitted to refund-match@sealedreturn.com.
Payment. Valid claims will be paid the difference between the competing service's federal refund and the SealedReturn federal refund, up to a maximum of $500 USD per taxpayer per tax year. Payment will be made within 30 days of claim approval via Stripe, PayPal, or check at SealedReturn's discretion.
Exclusions. The Refund Match Guarantee does not apply to: (i) state tax refunds; (ii) returns where inputs differ between SealedReturn and the competing service; (iii) returns where the competing service uses tax positions, schedules, forms, or features that SealedReturn does not support; (iv) returns where the difference is less than $25; (v) amended returns (Form 1040-X); (vi) prior-year returns; (vii) returns prepared after the federal filing deadline of the applicable tax year; (viii) cases of demonstrable user input error on either service.
Disputes. SealedReturn's determination of claim validity is final. SealedReturn is not liable for any indirect, consequential, or incidental damages relating to the Refund Match Guarantee.
Modification. SealedReturn may modify or terminate the Refund Match Guarantee at any time, but will honor all claims for returns prepared on SealedReturn before the modification or termination date.
Disclaimer. The Refund Match Guarantee is a refund of the difference in computed federal tax refund, not a guarantee of refund accuracy. SealedReturn does not guarantee that any return is free from error. Users remain responsible for the accuracy of their tax returns and for filing them with the IRS.
Try SealedReturn — risk-free.
If we find a smaller refund than TurboTax, we pay you the difference. Up to $500.