Our promise
The ₹75,000 Realized Guarantee
Not “identified.” Not “projected.” Realized — money that actually reaches you within 12 months of onboarding. Or 50% of our fee back.
Baseline Report at onboarding
Both parties lock a starting line (written):
- Current effective FX rate & payout method
- Prior-year effective tax rate & structure
- GST refund position
- Idle-cash yield baseline
Without a baseline, “savings” is storytelling. We refuse that.
Sample Baseline Report
Illustration of what you receive after documents land — not a real client file.
Sample · labeled illustration
Baseline Report — [Client]
| Metric | At onboarding |
|---|---|
| Primary payout method | PayPal |
| Effective FX all-in cost | ~3.5% |
| Prior-year effective tax (structure) | ~…% |
| GST refund position | LUT filed · refunds not claimed |
| Idle cash yield | Savings account only |
You and TaxVic both sign this zero line. The Ledger only counts progress from here.
What counts (four categories)
1 · FX savings
(Baseline effective rate − new effective rate) × forex actually received via the new method.
Evidence: bank / platform statement effective-rate comparison.
2 · GST refunds
Refunds actually credited from claims we file.
Evidence: refund order / credit entry.
3 · Tax reduction
Baseline-structure tax − actual tax, same-income-normalized where needed.
Evidence: filed returns vs baseline computation.
4 · Yield
Yield actually credited on idle funds via the agreed plan — not market speculation.
Evidence: interest / credit statement.
Excluded: speculative/market returns; revenue growth from your freelancing (that’s your work, not ours — we only count money our advice put back in your pocket); anything not in the Ledger; double counting.
Every recommendation we make is logged in the Ledger with its projected value at the time we make it. Nothing gets quietly dropped; you see the same Ledger we do, every quarter.
Worked example (illustration)
Fictional client — how four quarters can clear ₹75,000 realized.
| Quarter | Category | ₹ Realized | Evidence type |
|---|---|---|---|
| Q1 | FX savings (method switch) | ₹31,000 | Platform vs bank statements |
| Q2 | GST refunds credited | ₹28,000 | Refund order |
| Q3 | Advance-tax / structure correction | ₹19,000 | Computation + challan |
| Q4 | Yield on idle funds | ₹4,000 | Credit statement |
| Total realized | ₹82,000 | Guarantee met | |
Sample only — your Ledger uses your baseline and evidence.
Where’s your ₹75,000?
At ₹40L annual receipts, improving your effective FX rate by 1.5% ≈ ₹60,000. One un-filed GST refund cycle typically covers the rest. That’s why the floor is ₹20L foreign receipts — below that the plan can still help; the guarantee math usually doesn’t.
Fair-adoption clause
We count savings on the recommendations you adopt. If we recommend a step and you choose not to take it, the documented projected saving is noted in your Ledger but doesn’t count toward the ₹75,000 — and doesn’t void your guarantee.
If, at year-end, realized savings are under ₹75,000 and un-adopted recommendations would have covered the gap, the guarantee is satisfied by those documented recommendations. If we simply didn’t find you the money, you get 50% back.
Simple: we take the risk of finding it; you decide what to act on.
L5 legal review — forks marked in HTML comments
How this stays honest
- You get us complete documents within 30 days of onboarding. We deliver your Baseline Report within 15 days of receiving them.
- You confirm the Ledger each quarter. We log every recommendation with projected value when we make it — same Ledger, both sides.
- Guarantee floor: the guarantee applies to clients with ₹20L+ in annual foreign receipts. Below that, the plan still works — the guarantee math doesn’t, and we’ll say so on the call.
- Measurement: 12 months from onboarding.
- Refund: within 15 business days after claim approval and completion of any agreed reconciliation.
These are the exact terms that appear in your engagement letter. What you read here is what you sign. L2–L7