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Refund Policy

In an unfortunate scenario, where the refund of the amount is claimed, VANTAGEM LOUVAVEL – UNIPERSSOAL LDA strict Refund Policy is given below.

VANTAGEM LOUVAVEL – UNIPERSSOAL LDA is an insurance and tax consulting agency. Any amount earned in its scope of services is not refundable unless expressly declared. Consulting Fee is treated as advance payment and considered as earned against the time and services of the Consultant, except the termination of the agreement for cause where:

  • There is something wrong with the services you bought, or if you are not happy with it, you have 2 weeks to issue a refund.
  • Suppose the premature termination is happening before rendering the complete services. In that case, a fair calculation will be made as per the professional services rate and any reimbursements, and the portion of the unearned amount will be refunded to the Client. 

A full refund will be issued in case of a technical error such as double charging or other instances in which VANTAGEM LOUVAVEL – UNIPERSSOAL LDA are responsible. A refund claim is acceptable in case of the inability or incompetency of service execution. In this case, a fair compensation calculation against the time and efforts must be evaluated. 

Refunds will be issued through the Original Mode of Payment or via Bank Transfer or Check, where it is impossible to refund via the original mode of payment. 

Any refund request should be made in written email form stating the exact reason for the Refund claim, which will immediately lead to suspension or termination of services. 

Feel free to contact us at info@vl-consultoria.com if you need any support or information.

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Tax Risk Consulting

Tax advice from our experts allows you to develop a legal way to reduce taxes and risks based on using the possibilities of tax legislation, depending on the types of activities of the enterprise and business schemes.
Our specialists analyze and check the actions of the taxation system, develop a model for paying taxes, and assess possible tax consequences to minimize the client’s tax risks.

Administration and support of valid insurance contracts

Administration and maintenance of an insurance contract allow you to free the client from technical functions and thereby avoid possible risks when drawing up a contract with an insurance company.

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    Selection of an insurance company

    Our experts will help you choose the best insurance company taked into account to your criteria and requirements.
    The selection of an insurance company is a rather broad concept that requires special attention. Indeed, in order to determine the reliability of the company, our specialists study in detail its financial indicators (the size of the authorized capital, the volume of insurance reserves, the level of payments, etc.), the origin, feedback on the company’s work, assess the portfolio of insurance services and much more. After that, our specialists draw conclusions, ratings depending on the indicators and requirements of the client, the insurance sector, the type of insurance services, etc., and provide the client with the best and most profitable option based on his needs and wishes.

    Audit of risks of an insurance contract

    An audit of insurance contracts is necessary as it must comply with the rules and requirements of the law.
    On the basis of the insurance contract and legislative acts, our specialist checks the correctness of the legal registration of insurance contracts.
    We examine in detail the content of the insurance contract and for the presence of essential conditions, we check for cases of long-term termination, renegotiation of insurance contracts, cases of invalidity of insurance transactions, etc.
    Our task is to determine the compliance of the concluded contract with the client’s requirements, the correspondence of the names of the contracts to their types listed in the annex to the license, to compare the insurance conditions stipulated in the contract in order to obtain the required conditions by the client and to avoid losses to the client.

    Solutions to optimize the current contract

    We analyze the entire list of services of your package, which is provided by the insurance company. We investigate the possible risks, costs, as well as study what opportunities the company has with which the contract is concluded. Based on this data, we select the most suitable conditions for your insurance, taking into account your goals, needs and budget.

    Selection of the optimal property / health insurance

    At this stage, we help you to carry out the most beneficial insurance for your property or health. In order to competently and profitably determine insurance for you, taking into account your requirements, we study the terms, insurance premiums and conditions of payments of various insurance companies, the quality of the insurance product, the coverage of insured events, taking into account the desired risks, guarantees of insurance payments, etc.
    We own not only public but insider information about various insurance companies, we are guided in all insurance programs, we also have ratings of the reliability of insurance companies, therefore, we can provide you with complete and most important objective information so that you can carry out profitable for yourself and the right choice of the insurance company.

    Optimization of insurance costs

    Our experts conduct a detailed analysis of the costs of insuring the client, analyze possible risks and material consequences.
    The purpose of this service is to protect the client from uncertain losses by paying a specific price for insuring risks, the occurrence of which is likely and may have material consequences.
    We assess risks from both the short-term and long-term perspectives.

    Assistance in claims settlement

    Our experts have many years of experience in claims settlement. The complex of work with claims includes: advice on prevention of losses, recommendations to the insured to protect his interests, interaction of the parties in the event of an insured event in accordance with the previously developed regulations.
    The key to effective work on claims settlement is a thorough preliminary analysis of the insured event.

    Assistance in the preparation of claims

    Unfortunately, in practice, it is not uncommon for an insurance company to fail to fulfil its obligations under an insurance contract. In such cases, our specialists draw up step-by-step instructions for solving clients’ issues. Our specialists have practical experience in drawing up claims against insurance companies, in which we indicate all the illegal actions of employees of the insurance company in order to resolve the problem peacefully.

    Consulting on insurance legislation

    Our experts have a wide range of expertise in the field of insurance law. We have helped many people get the compensation they are entitled to.
    We are familiar with issues related to compensation risks and insurance consulting. We are ready to provide you with any legal services related to insurance legislation.

    Explanations of the provisions of the Terms and Conditions of insurance contracts

    We analyze the insurance contract and explain to our client the conditions stipulated in the insurance contract, provide clarifications on the payment of insurance compensation in accordance with the terms of the contract in order to exclude possible risks and losses on the part of the client.

    Analysis of the current insurance portfolio

    The insurance portfolio determines the number of insured objects, the number of insurance contracts and the amount of the total insured amount, it characterizes the obligations of the insurer to the policyholders.
    The insurance portfolio is the subject of analysis by our experts in order to identify and avoid the risks and financial stability of the insurer.
    We analyze the insurance portfolio in stages, taking into account the indicators of profitability based on such indicators: the level of insurance payments, expenses, profitability, profitability by type of insurance services, in general for the insurance portfolio.

    International taxation

    Our experts analyze and optimize the tax implications of personal income tax in the context of international taxation.
    We advise and support clients on international tax issues, support on the transparency of international transactions, interpret and apply double tax treaties, tax diagnostics of the current structure / model to identify potential risks and develop a basic approach to the changing tax environment, etc.

    Provision of up-to-date information on insurance packages in the service market

    Our experts conduct a market survey of insurance companies to provide the most relevant information to the client. Today the market is equipped with insurance companies, and the most important thing is not to make a mistake in choosing, having analyzed in detail all the advantages and possible disadvantages in order to select the most profitable option for the client.
    We own not only public but also insider information about various insurance companies, we are guided by all insurance programs, we also have ratings of the reliability of insurance companies, so we can provide you with the complete and most important objective information so that you can profitably and correctly choosing an insurance company.

    Tax planning

    Our specialists carry out a set of legal actions of the taxpayer aimed at the maximum achievable reduction in the amount of taxes, duties, fees and other mandatory payments paid to the state.
    Tax planning can help you keep costs down while taking into account all changes in tax legislation. Our experts have experience and high professionalism in the field of tax minimization, therefore they will be able to carry out a tax audit in a guaranteed and competent manner, provide all the necessary advice and recommendations to minimize taxes and fees.

    Consulting on tax law issues

    If you want to assess the risks of economic activity, but are not sure of the correctness of actions or want to assess the situation as competently as possible from the point of view of tax legislation, then the best solution would be to contact us.
    Our specialists provide advice in the field of taxation, having the appropriate education and experience in the application of legislation.
    Tax legislation is multifaceted, it implies many nuances, therefore it is better to entrust this work to professionals. As a result, our experts will provide you with a solution to achieve your goal, while minimizing tax risks.

    Declaration of income

    A declaration of income is an official document in which an individual indicates the amount of income received in the reporting period and taxes withheld from it, as well as income from investment activities and other income of which tax is not withheld upon payment.
    In the declaration, you must also indicate information about your own immovable (movable) property and property provided for rent. It is better to entrust the preparation of the declaration to our professionals with knowledge and experience. We will be able to prepare a competently drawn up income statement for an individual at a professional level.

    Consulting on tax law issues outside the country

    Tax legislation provides one of the most dynamic branches of law, which requires taxpayers to constantly concentrate taxes. If we are talking about tax legislation outside the country, then it will be much more difficult without the help of a specialist.
    Our experts constantly monitor changes in tax codes of different countries, how this or that norm will be interpreted and applied by tax authorities in practice. The taxation system requires thorough knowledge and daily monitoring of changes and updates.
    Turning to our specialists for help in tax legislation outside your country, you will receive a highly qualified answer in terms of the theory of legislation and judicial practice.

    Optimization of tax charges

    Tax optimization is at the heart of tax planning. These are organizational measures that are carried out within the framework of the current legislation. Optimization of taxation involves minimizing tax payments (in the long and short term), as well as avoiding fines from the fiscal authorities.
    This is achieved through the correct calculation and timely payment of taxes.
    To achieve a result, our specialists check taxation schemes, eliminate system errors in tax accounting and ensure the required quality of documents, carry out legal tax minimization, assess risks when applying optimization schemes, etc.

    Pre-trial and judicial settlement of tax disputes

    Unstable tax legislation creates an unreasonably large number of disputes between the taxpayer and the tax authorities. Often, tax legislation changes rapidly and the client does not always understand whether the requirements and actions of the tax authorities are legitimate, whether they need to be fulfilled, or there is still an opportunity to defend their rights.
    Our expert is the person who knows exactly what rights and obligations the taxpayer, tax and law enforcement agencies have. He examines the relationship of the taxpayer with the tax authority in the context of the ratio of their mutual rights and obligations, is able to find a balance between them in a timely manner, avoiding unreasonable pressure on the client. The task of our specialist is to settle a tax dispute, help in making a decision and minimize risks for you.

    Preparation and submission of tax returns

    Preparation and submission of tax returns are some of the most difficult procedures. Filling out the report by individuals is based on information on income. Even the slightest mistake entails serious consequences – from invalidation of information and fines, criminal liability in case of knowingly submitting false information.
    Our experts provide professional services for the preparation and filing of tax returns in a short time.
    We take into account many nuances – tax regime, taxation system and other parameters. The help of experienced specialists will allow you to avoid mistakes and return documents from regulatory authorities.

    Settlement of tax disputes

    We are convinced that tax disputes can be effectively resolved.
    Despite the tax dispute, the relationship with the tax authorities must always remain professional. Our approach to resolving tax disputes is based on the unique experience of our tax team members who have handled numerous complex tax cases for our clients.
    Our specialists draw up objections to tax audit acts, and the act will provide you with full tax and legal support during the procedure.

    Refund from the budget of overpaid/collected amounts of taxes

    Many of us, at least once in our lives, have faced situations when, through our own inattention or by coincidence of other circumstances, they mistakenly paid money to the state budget or paid them in the wrong amount. It could be like state fees for the provision of any services by government agencies, fines or simple payment of utilities.
    The return of erroneous or overpaid monetary obligations is possible and our specialists will help you with this. To do this, we create and submit a correctly drawn up application for an erroneous and / or overpaid amount in which we provide overview information for the successful implementation of the procedure.

    Value added tax refund

    In all EU countries, people can return the value added tax on goods and services paid abroad.
    We take care of all the processing of the VAT refund you paid, automate the entire process and carry out the full registration of all bureaucratic formalities.

    Analysis of the contract form

    Legal analysis of the insurance contract. A qualified audit of the insurance contract and insurance rules with an indication of the “pitfalls” and a detailed explanation of all the points will help you avoid mistakes when concluding an insurance contract. We are an independent organization, and we will help protect your interests when concluding an insurance contract.