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For sole traders and investors · type B for 2026

Personal income tax return (DPFO) type B for 2026 online

For a trade licence or liberal profession with flat-rate expenses or tax records – plus employment, renting out a flat, sales of shares, ETFs or cryptocurrencies, and dividends or interest from abroad. Every field has an explanation, and expenses have calculators. You see the tax, bonuses and overpayment immediately. You get the completed DPFO type B form as a PDF and the XML file for filing for €29.95. We will add the 2026 form as soon as the Financial Administration publishes it.

The AI assistant explains every field while you fill in the form – it is unlocked once you pay €29.95.

This is for you if…

… in 2026 you had a trade licence or a liberal profession with flat-rate expenses or tax records, possibly together with employment, renting out a flat in Slovakia, sales of shares, ETFs or cryptocurrencies, or dividends and interest from abroad.

This is not for you if…

… you keep single-entry or double-entry accounts, closed your business or changed the expense method in 2026, sold real estate or worked abroad. The form will stop you in that case – we will prepare such a tax return for you.

Before you start, have ready

  • Business payments received for 2026 – a cash book, an overview of invoices or a bank statement. What counts is the money that actually came in during 2026, not the invoices issued.
  • With tax records, the expense totals, a list of assets with depreciation and the balances of inventory, receivables and liabilities as at 1/1 and 31/12/2026.
  • An overview of insurance contributions paid for 2026 – from the Social Insurance Agency and from your health insurance company (you can find it in their electronic services or in your bank statements).
  • If you are also employed: the Confirmation of taxable income (Potvrdenie o zdaniteľných príjmoch) from each employer.
  • If you invest: the annual broker statement (sales, dividends, interest and tax withheld) and the trade history from your crypto exchange.
  • Birth numbers (rodné čísla: yours, your children’s, your spouse’s or parents’), the bank’s confirmation of mortgage interest, the 3rd pillar statement and your IBAN.

Filling in takes about 30 to 45 minutes. Not sure what a question means? Click the next to it. Amount fields have a calculator on the left – for example, type 1200+350.

Fills in the form with the details of a fictitious programmer with a trade licence and flat-rate expenses who has a child, sold ETFs and received US dividends. With the sample, you can download the PDF and XML for free and see what you will get.

1

Is type B online right for you?

A few short questions decide whether we can prepare your tax return here or whether it needs to be handled differently. A type B tax return is filed by anyone who had other income besides wages – business, rental, sales of shares or cryptocurrencies, or income from abroad.

Were you a tax resident only of Slovakia in 2026?*You lived in Slovakia and did not also have a home in another country.

✈

We assess tax residency individually

If you have a home in two countries or stay abroad, the double taxation treaty is decisive. The online form cannot handle this reliably.

Handle it for me

Are you filing the 2026 tax return for the first time?*If you have already filed it and want to correct it, answer No.

↻

We prepare corrective and supplementary tax returns

It has to be compared with the original filing and the differences filled in correctly. Send us what you filed.

Contact me

Are you filing the tax return for yourself?*Not for a deceased person or as a representative.

!

We will prepare a tax return filed by a representative

A tax return for a deceased person or filed by a representative contains details of the representative, and different deadlines apply for a deceased person. The online form does not handle this.

Contact me

Did you have income from business or other self-employment in 2026?*Trade licence, liberal profession, copyright fees without withholding tax, expert, interpreter.

How did you claim business expenses?*If you do not know, look at last year’s tax return – the method is ticked below table no. 1.

!

We will prepare single-entry bookkeeping ourselves

With bookkeeping, financial statements are also prepared with the tax return and the tax base is based on the year-end closing. The online form does not do this.

I want you to prepare my tax return
!

We will prepare double-entry bookkeeping ourselves

With double-entry bookkeeping, the tax return is based on the profit or loss and on items added to or deducted from it. The online form does not do this.

I want you to prepare my tax return

Did you close or suspend your business in 2026?*

!

We will prepare the closing of the business ourselves

When closing or suspending a business, the tax base must be adjusted for unpaid receivables, inventory and liabilities, and often a supplementary tax return for the previous year must be filed as well. We will do this for you.

Handle it for me

Did you change the method of claiming expenses compared with 2025?*

↻

We will assess the change of expense method

When switching between the flat rate and tax records, inventory, receivables and liabilities from the end of the previous year are included in the tax base. We will handle this for you.

Handle it for me

Are you a partner in a v. o. s., a general partner in a k. s., or do you do business in an association with another person?*

!

We will prepare joint business ourselves

The form cannot split the share of the tax base of a partnership or association and the joint expenses. We will prepare the tax return for you.

I want you to prepare my tax return

Did you do business physically abroad – through a branch or a long-term stay on a contract?*Foreign clients for work done in Slovakia do not count.

✈

We assess business abroad individually

What matters is the double taxation treaty, the permanent establishment and the method of exemption or tax credit. The online form cannot handle this reliably.

Handle it for me

Did you trade with a related person or company, or are you in bankruptcy or on a repayment schedule?*

!

We assess related parties individually

Controlled transactions must be described in the tax return and their prices assessed; bankruptcy and a repayment schedule change the rules, including for losses. We will prepare the tax return for you.

I want you to prepare my tax return

Did you have income from personal assistance, as an athlete or from agriculture (SHR)?*

!

We will prepare these activities ourselves

Personal assistance, athletes and farmers have separate rows and rules in the tax return (for assistance also separate details in attachment no. 4). The online form does not do this.

I want you to prepare my tax return

Do you want to claim the recreation allowance for yourself as a sole trader?*If not, answer No.

!

We will assess the recreation allowance

For the recreation allowance, the conditions (24 months in business, documents, amount) must be checked and it must be reported in Section XIII. The online form does not do this.

Handle it for me

Did you also have income from employment in 2026?*Employment contract, work agreements, company director’s remuneration.

Did you work abroad or for a foreign employer in 2026?*

✈

We assess foreign salaries individually

With a foreign salary, what matters is the double taxation treaty, the exchange rate and the method of exemption or tax credit. The online form cannot handle this reliably.

Handle it for me

Did your employer carry out the annual tax reconciliation for 2026?*

✓

We assess cases after an annual tax reconciliation individually

The tax return must follow on from what your employer has already settled. Have your Confirmation of the annual tax reconciliation ready – we will prepare the tax return for you.

Assess it for me

Did you also have other income in 2026 – the sale of real estate or a share in an s. r. o., a foreign prize, rental abroad or licences?*The form can handle rental in Slovakia, shares, ETFs, crypto and foreign dividends.

!

We assess this income individually

When selling real estate or a business share, the time limits, the method of acquisition and the exemptions are decisive; with foreign income, the double taxation treaty. We will prepare the tax return for you.

I want you to prepare my tax return

Did you have interest on a loan you provided in Slovakia, or income from government bonds?*Government bonds for citizens are exempt – for those, answer No.

!

We assess this income individually

The form does not handle interest on a loan provided in Slovakia or income from government bonds (separate tax base, rate under § 51ea). We will prepare the tax return for you.

I want you to prepare my tax return

Did you have an annuity, a fee for a clinical trial, compensation for non-pecuniary damage, income from sponsorship or volunteering in sport or from a non-monetary contribution – or did you sell an item from your business assets?*Including a car removed from the business less than 5 years ago.

!

We assess this income individually

For this income, the type of income, the exemption and the method of taxation are decisive – the form does not cover it. We will prepare the tax return for you.

I want you to prepare my tax return

Do you want to claim the interest bonus on a loan that you refinanced with a new contract?*If you are not claiming the interest bonus, answer No.

↻

We assess refinanced loans individually

A refinanced loan does not give rise to a bonus. However, you may still be entitled to it for interest on the original loan paid before refinancing. Send us both confirmations.

Assess it for me

Is there a co-borrower on your mortgage who was not 18 to 35 when applying for the loan, or are you a co-borrower on another loan with a bonus?*If you are not claiming the interest bonus, answer No.

In that case, you are not entitled to the interest bonus (§ 33a(4) and (6)). You can still file the tax return without it – answer No to the mortgage question in step 9.

Did you receive a state contribution in 2026 to a mortgage from a contract concluded before 2018?*If you are not claiming the interest bonus, answer No.

You are entitled to the interest bonus only from the month after the last month of the state contribution (§ 52zzy(14)). The form cannot split it this way – we will assess it for you. You can also file the tax return without the bonus – answer No to the mortgage question in step 9.

Did you receive an early withdrawal from the 3rd pillar between 2023 and 2026?*

!

We assess early withdrawals individually

If you previously deducted the contributions from your tax base, after an early withdrawal the tax base must be increased by them. We will assess by how much and in which year based on your statements.

Assess it for me

Are you claiming the bonus for a child who is married?*If you are not claiming the child bonus, answer No.

!

We assess the bonus for a married child individually

Entitlement to the bonus then depends on the income of the child’s spouse for 2026 (at most 5 966,73 €). We will check it and prepare your tax return for you.

Assess it for me
2

Personal details

Copy them from your ID card. The address is that of your permanent residence on the day you file the tax return.

Address in Slovakia – where you lived or stayed in 2026

3

Business

First answer in step 1 whether you were in business in 2026. Then this step will show what needs to be filled in.

In step 1 you stated that you were not in business in 2026. Skip this step.

Business income and expenses for 2026. With both flat-rate expenses and tax records, what counts is the money that actually came in or went out in 2026 – including payments of older invoices. An invoice issued in December and paid in January 2027 belongs to 2027.

Income

Without VAT if you are a VAT payer. This does not include deposits of your own money, loans, transfers between your own accounts or refunded advance payments.

If you do not have a trade licence but only another type of income below, enter 0.

Flat-rate expenses

60% of income, up to €20,000 a year – we calculate them ourselves. The compulsory insurance contributions you paid (below) are added to them; voluntary social insurance is not added with the flat rate (§ 6(10)). No other expenses are claimed with the flat rate.

Expenses from tax records

Totals of tax-deductible expenses paid for 2026 by type – without your own insurance contributions (those are below). For a VAT payer, without the VAT you deduct. Expenses for private purposes do not belong here.

Insurance contributions you paid for yourself in 2026

The payment date is what counts: a payment for December 2025 made in January 2026 belongs here, a payment for December 2026 made in January 2027 does not. Insurance contributions from employment do not belong here – they are on the employer’s confirmation.

Assets and liabilities as at 1/1 and 31/12/2026

This goes into table no. 1b (flat rate) or 1a (tax records). If you have nothing like this, leave it blank – we will enter zeros.

Do you have an undeducted tax loss from business from 2021 to 2025?*

For each year, enter the loss from row 46 (or 42) of that year’s tax return and how much of it you have already deducted in later tax returns. We deduct the oldest first – in total at most 50% of the tax base, or up to 100% for a micro-taxpayer with income up to €60,000. We deduct only as much as actually reduces your tax; the rest remains for future years.

2021
2022
2023
2024
2025
4

Employment

First answer in step 1 whether you had employment income in 2026. Then this step will show what needs to be filled in.

In step 1 you stated that you had no employment income in 2026. Skip this step.

We will fill in the amounts from the confirmation for you, with each confirmation as a separate employer. The file stays on your computer – it is not sent to the server. It works with a confirmation on the Financial Administration form in PDF format, not with a scan.

Contributions you paid yourself

Only payments made directly to the insurer, not through your employer. Most people have nothing here – in that case, leave blank.

5

Rental and occasional income

Rental income and income from occasional activities are exempt up to €500 a year in total. If you also sold shares, the €500 exemption is shared with them – we split it in the most advantageous way ourselves.

Did you rent out property in Slovakia in 2026?*Without a trade licence – including short-term via Airbnb or Booking.

Is the rented property in co-ownership?*Including joint marital property.

Did you have occasional income in 2026?*One-off work without a trade licence, occasional rental of a car or things.

6

Shares, crypto and foreign income

Interest on accounts and deposits in a Slovak bank does not belong here – the bank withheld tax on it and that tax is final; nor do dividends from Slovak companies. The form does not handle interest on a loan you provided to someone in Slovakia (step 1). Government bonds for citizens are exempt and are not reported. Convert amounts in a foreign currency to euros at the ECB rate on the day of the income, the monthly average or the annual average (§ 31) – using one method for all.

In 2026, did you sell shares, ETFs or fund units held for at most one year?*Those held for more than a year and traded on a stock exchange are exempt.

Did you trade derivatives – CFDs, forex, futures or options?*

In 2026, did you sell cryptocurrencies, exchange them for another cryptocurrency or pay with them?*

Did you have interest from a foreign account, a foreign broker, foreign bonds or a P2P platform?*

Did you receive dividends from abroad in 2026?*Including from distributing ETFs. Accumulating ETFs do not pay dividends.

The form does not handle dividends from a country on the list of non-cooperating jurisdictions (35% rate) – we will process them for you.

In the “Tax withheld abroad” field, enter only the tax up to the amount the country may levy under the double taxation treaty – not the whole tax withheld. For interest, some treaties do not allow the source country to withhold anything, others only a limited rate; for US dividends with a W-8BEN form it is 15%. Reclaim anything the country withheld in excess in that country – the Slovak tax is not reduced by it (§ 45).

7

Non-taxable parts

Amounts on which no tax is paid. The one you are entitled to for yourself has already been deducted: €5,966.73. Here, just answer whether any of the following applies to you.

Were you receiving an old-age, early old-age or service pension as at 1 January 2026?*Also if it was granted later, but retroactively to 1 January 2026 or earlier.

If your pension was granted retroactively as of 1 January 2025 or earlier and you claimed the non-taxable part for yourself for those years in a tax return or annual tax settlement, you must file a supplementary tax return for them (§ 32(11)). This form does not do that – we will prepare it for you.

Do you want to claim the non-taxable part for your spouse?*For example, if they were on maternity or parental leave or registered with the labour office.

Did you pay into the 3rd pillar (supplementary pension saving) or PEPP?*

Do all your 3rd pillar contracts meet this condition?*Concluded after 2013, or the benefit plan was cancelled in an older contract. PEPP always meets the condition.

With such a contract, you cannot deduct the contributions from your tax base. Once the benefit plan has been cancelled by an amendment to the contract, you will be able to deduct contributions paid after that change. If you cancelled it during 2026, ask us.

A maximum of €180 can be deducted.
8

Child tax bonus

€100 a month per child up to the age of 15, €50 from 15 to 18. We work out the age periods and the amount from the birth number. Check the months of entitlement against your own situation.

Do you want to claim the child bonus?*

If you support the children in your household together with the other parent, only one of you can claim the bonus for all these children in a given month. One of you cannot claim the bonus for one child while the other claims it for another child. You can take turns by month – for example, the father from January to June for all the children and the mother from July to December.

Do you want to add the tax base of the other parent or your spouse when calculating the bonus?*

9

Bonus on interest paid

If you took out the loan for your own home when you were 18 to 35 years old – you may be older today. It refunds half of the interest you paid, up to €400 or €1,200 a year depending on when you signed the contract.

Do you want to claim the mortgage interest bonus?*

!

You are not entitled to the interest bonus

In step 1, you stated that a co-borrower was not 18 to 35 when applying for the loan, or that you are a co-borrower on another loan with a bonus. In that case, there is no entitlement to the interest bonus. Answer No here – you will file the tax return without it.

!

The form cannot calculate the interest bonus

In step 1 you stated that you received a state contribution to your mortgage in 2026. You are entitled to the interest bonus only from the month after the last contribution. Answer No here – you will file the tax return without it, or we can assess the bonus for you.

Assess it for me
The bonus is half of this amount.

Is there another borrower (co-borrower) on the loan agreement besides you?*

10

Share of tax – 2% or 3%

You can send part of the tax you will pay anyway to an organisation, plus 2% to each of your retired parents. It costs you nothing extra. It is calculated from the tax after deducting bonuses, not from the tax advances or the refund. The tax office will send the share only if, 15 days after the filing deadline, you do not owe more than €5 in tax – if you have tax to pay, pay it on time.

Do you want to assign 2% (or 3%) to an organisation?*

Do you want to assign 2% to your retired parents?*2% to each parent separately – in addition to the organisation’s share.

Parent 1

Parent 2 – fill in if you also want to assign a share to your other parent

11

Completion and filing

If you paid tax advances for 2026, enter them. If you are due a refund, state where the tax office should send it. Then check the result on the right and download your finished tax return.

We will enter these details in Section XIII of the tax return (special records), as the instructions require.

Can't make it by 31 March? Prepare the notice extending the deadline for free – you fill in three details and download the file for filing.

What to attach to the tax return

    How to file it

    An entrepreneur files the tax return only electronically. Anyone registered for income tax as an entrepreneur must communicate with the Financial Administration electronically (§ 14 of the Tax Procedure Code) – the tax office would not consider a paper return as filed. You need an ID card with a chip and a security code, or an agreement on electronic delivery. If you have neither, we will file the tax return for you.

    Electronically (XML)

    1. In the personal internet zone on the Financial Administration portal, open the type B tax return and load the XML file into it. The data will fill in automatically.
    2. Add the attachments from the list above as PDFs.
    3. File using your ID card with a chip (eID) or with a signature under an agreement on electronic delivery.

    On paper (PDF) – only without business income

    1. Print all pages of the PDF – it is the official form, already filled in, including attachments 1 to 4.
    2. Sign it at the declaration, at the request for a refund of the overpayment or bonus, at the assignment of 2% or 3%, and on attachment no. 4.
    3. Enclose the attachments and send it by post or take it to the filing office of the tax office for your place of permanent residence.

    What happens after filing

      Pay any tax due by 31 March 2027. The tax office will send you any refund within 40 days of the end of the filing deadline.

      Deadline for filing and payment: 31 March 2027.

      0 % Result 0,00 €
      How it works

      Your 2026 type B tax return without paperwork or calculations

      1

      Answer the questions

      The form only asks about what applies to you – business, employment, rental, investments. Where you answer No, the fields disappear.

      2

      You enter the totals

      Income, expenses and insurance contributions from your records. Calculators help with expenses – car, meal allowance, depreciation, insurance contributions, share trades.

      3

      See the result instantly

      Business tax at 15% or in bands, non-taxable parts, the child bonus and the overpayment are recalculated as you type – according to the law in force in 2026.

      4

      Download and file

      For €29.95 you get the completed official type B form as a PDF, including attachments, and an XML file for filing online. We will add the 2026 form as soon as it is published.

      Who files a type B tax return for 2026

      A type B tax return is filed by anyone who had other taxable income besides wages in 2026 and whose total taxable income exceeded €2,983.37 – sole traders and freelancers, landlords, but also employees who sold shares or ETFs at a profit within one year, sold cryptocurrencies or received dividends or interest from abroad. An entrepreneur must file it even if they report a loss.

      A sole trader can choose flat-rate expenses of 60% of income, up to €20,000 a year, plus insurance contributions paid, or actual expenses from tax records. With business income up to €100,000 the tax rate is 15%; above this threshold, the tax is calculated in bands of 19, 25, 30 and 35%. A micro-taxpayer with income up to €60,000 can also deduct losses from previous years in full.

      Rental and occasional income are exempt up to €500 a year. Sales of shares and ETFs traded on a stock exchange are exempt after one year of holding; cryptocurrencies are always taxed. Foreign interest is taxed at 19% and dividends at 7%, and you credit the tax withheld abroad. The form calculates all of this for you.

      The deadline for filing and paying the tax is 31 March 2027; it can be extended by a notice by three months, or by six months with income from abroad. You can prepare the notice extending the deadline for free. If you only have employment income, type A for €14.95 is enough.

      FAQ

      Frequently asked questions about the online type B tax return

      How much does it cost?

      You see the calculation and checks immediately, for free. You get the completed form as a PDF and the XML file for filing after paying €29.95 – with flat-rate expenses or tax records, including help from the AI assistant. You can order a review of your completed tax return by our accountant for €60 with flat-rate expenses, or full preparation for €100; with actual expenses, the price of both the review and the preparation is agreed individually. The Financial Administration has not yet published the form for 2026 – for now, the PDF and XML follow the 2025 template and are not yet suitable for filing for 2026. Once it is published, we will add it and you can download your tax return again with the same key, at no extra charge.

      Is the flat rate or tax records better for me?

      The flat rate is 60% of income, up to €20,000 a year – with income over €33,334 it does not grow any further. If your actual expenses are higher, tax records work out better, but you must have documents for everything and keep records of assets, inventory, receivables and liabilities. The form has a calculator that compares both methods. The method is chosen for the whole year and cannot be changed after the filing deadline. A VAT payer for the whole year cannot use the flat rate.

      Do I have to file the tax return electronically?

      Yes, if you are an entrepreneur registered for income tax – you must communicate with the Financial Administration electronically, and a paper tax return would not be considered filed. You load the XML file into the form in your personal internet zone and file it using an ID card with a chip or under an agreement on electronic delivery. Those who are not in business (for example, they only rent out a flat or sold shares) can also file the printed PDF by post.

      Do I pay tax on selling shares, ETFs and cryptocurrencies?

      Not from selling shares and ETFs traded on a stock exchange and held for more than one year – that is exempt and does not belong in the tax return. With a shorter holding period, the profit after deducting the purchase price and fees is taxed, with the first €500 of profit (together with rental income) exempt. Cryptocurrencies are always taxed, even when exchanged for another cryptocurrency; a loss on them does not reduce other income.

      Do you store my data?

      Not the data from your tax return. A tax return in progress is stored only in your browser, so you can come back to it. On someone else’s computer, delete it at the end using the Clear data button. Tax return data is sent to us only briefly while we generate the PDF and XML, and is discarded immediately. We keep only what you enter when ordering (billing details, email address and variable symbol) and your conversations with the AI assistant: we keep their transcripts for three years, and our accountant also reads them so that she can improve the service.

      What happens with insurance contributions after filing the tax return?

      The Social Insurance Agency and your health insurance company both receive the data from your type B tax return. Based on it, the Social Insurance Agency will determine whether and how much compulsory social insurance you will pay from 1 July 2027, and the health insurance company will carry out the annual health insurance settlement. They will notify you of the amounts themselves; the form shows the base they will work from.

      Terms and conditions of the Online Type B Tax Return service

      Valid from 9/10/2026

      1. Service provider

      MATU.SK s. r. o., Sabinovská 362/5, 821 03 Bratislava, IČO 50 756 893, DIČ 2120466810, registered in the Commercial Register of the Bratislava III Municipal Court, Section Sro, Insert No. 132609/B. Not a VAT payer. Contact: uctovnictvo@matu.sk, +421 904 343 950.

      2. What the service is and is not

      • An online form in which you fill in the type B personal income tax return yourself – business income with flat-rate expenses or tax records, employment income in Slovakia, rental income from real estate in Slovakia, occasional income, sales of securities, derivatives and crypto-assets, and interest and dividends from abroad. The tax calculation is free.
      • For the price, you receive the completed official form as a PDF, an XML file for electronic filing and help from the AI assistant while filling it in.
      • The service is not tax advice or bookkeeping. We do not check your data, records or the finished tax return, and we do not file the tax return for you. You can order a review by our accountant (€60 with flat-rate expenses) or full preparation (€100 with flat-rate expenses) separately; with actual expenses, the price is agreed individually.

      3. Order, price and payment

      • The contract is concluded when you fill in the billing details, confirm these terms and submit the order using the Continue to payment button.
      • The price is €29.95 and is final. You pay by bank transfer (QR code) quoting the variable symbol provided. After placing the order, you will receive an advance invoice by email.
      • When the payment reaches our account, we will email you the download key and the invoice. An unpaid order costs nothing and does not commit you to anything.

      4. Download key

      The key is valid for the first name, surname and date of birth you paid for, for one tax year and only for the type B tax return. You can use it to download the tax return repeatedly, even after correcting the other data. A type A key is not valid for type B. A tax return for another person is a new order. Do not give the key to anyone.

      5. Your responsibility

      You fill in the tax return yourself, so we are not responsible for its accuracy. You are responsible for the data being true, complete and consistent with your records and documents, for the expenses being tax-deductible, for type B online being suitable for you, and for filing the tax return and paying the tax on time. The calculation, explanations, calculators and the AI assistant’s answers are an aid, not professional advice – the AI assistant can make mistakes. We are not responsible for additional tax, interest, penalties or other consequences arising from your data or from decisions you made while filling in the form. If you are not sure, order a review by our accountant.

      6. Our responsibility

      We are responsible for ensuring that the PDF and XML correspond to the data you entered and that the calculation based on them complies with the law in force for the relevant year. If there is an error in our calculation or in the file (for example, the Financial Administration portal rejects the XML because of a file error), we will correct it free of charge; if that is not possible, we will refund the price.

      7. Test version

      Until the Financial Administration publishes the 2026 form, the PDF and XML follow the 2025 template and cannot be used to file the 2026 tax return. You purchase them in the knowledge that this is a test version. Once the form is published, we will add it and you can download your tax return again with the same key, at no extra charge.

      8. Withdrawal from the contract

      As a consumer, you may withdraw from the contract within 14 days without giving a reason. However, the PDF and XML are digital content that we make available to you immediately after payment. In your order, you therefore expressly request access before this period expires and acknowledge that you lose the right of withdrawal once the key is sent. Until we send the key, you may withdraw by email and we will refund the amount paid within 14 days.

      9. Complaints

      If the PDF or XML does not meet the requirements of the form, or contains an error in our calculation, write to uctovnictvo@matu.sk and describe what is wrong. We will handle the complaint without undue delay and within 30 days at the latest – by correcting the error or, if that is not possible, by refunding the price. An error in the data you entered is not grounds for a complaint.

      10. Your data

      • A tax return in progress is stored only in your browser. Data from the tax return is sent to us only briefly while the PDF and XML are being generated and is then discarded.
      • When you place an order, we retain your billing details, email address and variable symbol – we need them to match your payment, send the key and issue the invoice, which we are required by law to archive.
      • The conversation with the AI assistant is processed by the AI provider. We keep its transcript for three years, and our accountant also reads it so that she can improve the service. Do not write more in it than necessary.
      • More in the Data protection (GDPR) section.

      11. Disputes and final provisions

      The contract is governed by Slovak law. Please contact us first with any concerns. If we do not resolve your complaint to your satisfaction, you may, as a consumer, contact the Slovak Trade Inspection (Slovenská obchodná inšpekcia, soi.sk), which also handles alternative dispute resolution. We may amend these terms; an order that has already been paid for is governed by the terms in force at the time of the order.