Tax Atlas / Tax Reviews
Terms and conditions for the Tax Atlas (Tax Reviews)
1. Who we are
| Name | Nozick Consulting Limited |
| Legal form | Private limited liability company under Maltese law |
| Registration number | C115987 |
| Registered address | Level 2B, Centris Business Gateway II, Triq is-Salib tal-Imriehel, Zone 3, Central Business District, Birkirkara CBD3020, Malta |
| contact@nozickconsulting.com | |
| Phone | +31 800 0234 306 |
| +31 6 5120 9088 | |
| Website | nozickconsulting.com |
"We", "us" and "our" means Nozick Consulting Limited. "You" and "your" means the person or organisation buying a Tax Review from us.
2. What these terms cover
These terms apply only to the Tax Reviews from the Nozick Consulting Tax Atlas that you buy through our website: written, country-specific tax reports.
Our other products and services have separate terms:
| Product / service | Terms |
|---|---|
| Tickets for live webinars | Terms and conditions for live webinars |
| Webinar recordings | Terms and conditions for webinar recordings |
| Advisory and consultancy | Terms and conditions for advisory services |
If you buy more than one thing from us, more than one set of terms applies alongside each other — always the terms for the product concerned. An overview of all our terms is at nozickconsulting.com/conditions.
By ordering a Tax Review you accept these terms. They can be viewed and downloaded on the website at the moment you order.
3. What you are buying
A Tax Review is a written report in PDF form about the tax situation in one particular country, written for a general audience of people considering emigrating to that country or investing there.
You get:
- access to the PDF document through your personal access link;
- sometimes a discount code for the webinar recording about the same country, if that applies to that Tax Review — see chapter 10.
What a specific Tax Review covers is stated on that Tax Review's product page. That is what you are buying.
3.1 A Tax Review is general country information, not personal advice
This is the most important point in these terms. Please read it, even if you skip the rest.
A Tax Review describes how a country's tax system works in general. It is not advice about your situation:
- it was not written for you personally;
- we do not know your facts, your assets, your family situation, your business or your place of residence;
- no assessment has been made of what would be sensible or possible in your case;
- buying it does not create an advisory relationship between you and us.
Tax consequences almost always depend on details that differ from person to person. Two people moving to the same country can end up in completely different tax positions. A Tax Review helps you understand what to look out for and which questions to ask — it does not answer the question of what you should do.
Do not take any decision with financial or tax consequences — such as emigrating, restructuring a business or moving assets — on the basis of a Tax Review alone. Have your situation assessed personally first, either with us through an advisory meeting (under the separate advisory terms) or with another adviser.
See further chapter 12.
3.2 How current the content is
A Tax Review describes the position at the time of writing. Tax rules change, sometimes quickly and sometimes retroactively. We do not automatically update a Tax Review once it has been published.
The year is in the title of every Tax Review (for example "Paraguay Tax Review 2026") — do take a look at it and bear in mind how old the document is.
If an updated edition is published later, that is a new product with its own price. Your purchase does not give you a right to future editions or updates.
3.3 Language
The sales page on our website may be in Dutch or in English, but the PDF document itself may have been written in a different language from the page on which you buy it — some Tax Reviews are in English, even where the sales page is in Dutch.
Each Tax Review's product page states which language the document is in. Please take a look at it before you order. The language of the document is not a ground for a refund where this was stated in advance on the product page.
4. How an order is concluded
- You choose one or more Tax Reviews and go to the payment page.
- You fill in your details, and your company details if you are buying on behalf of a business.
- You pay.
- You receive a confirmation by email with your access link. At that moment the agreement is concluded.
No confirmation within 1 hour? Get in touch.
We may refuse or reverse an order in the case of an obvious error (for example a price that is clearly wrong due to a technical fault) or where we suspect misuse or fraud. If you have already paid, you will get your money back.
5. Prices
All prices are in euros and are shown with the Tax Review concerned on the website.
All prices quoted are total prices: you pay the amount shown on the website, with no VAT added at checkout.
The price you see on the payment page at the moment you order is the price that applies. Later price changes or promotions do not apply retrospectively to an order that has already been completed.
6. VAT
We sell from Malta. The VAT we charge depends on where you are and whether you are buying as a private individual or as a business:
| Your situation | VAT |
|---|---|
| You are in Malta | Maltese VAT |
| You are in the EU and buying as a private individual | VAT of your own country, at the rate applicable there |
| You are in the EU, buying as a business, and have a valid, verified EU VAT number | Reverse charge — 0%; you account for the VAT yourself in your own country |
| You are outside the EU | No EU VAT |
For the reverse charge we check your VAT number through VIES, the European Union's official verification system. We only apply the reverse charge if that check succeeds. If verification fails, we treat the sale as an ordinary consumer sale and charge the VAT rate of your country. You are welcome to try again with a correct number or to get in touch.
You are responsible for the accuracy of the details you provide (country, capacity, VAT number). If incorrect details mean we charge too little VAT, we may charge you the difference afterwards.
7. Payment and invoice
You pay at the time of ordering, by credit card, debit card or iDEAL. Payment is processed by Stripe, our payment service provider; we do not receive or store full card details ourselves.
You receive an invoice from Nozick Consulting Limited, in euros, by email. If something on your invoice is wrong (for example an incorrect company name or a missing VAT number), let us know within 30 days and we will correct it.
If a payment is reversed or charged back after you have been given access, we may block your access until payment has been settled.
8. Delivery and access
8.1 Your personal access link
You receive a personal access link by email, usually within a few minutes of payment.
That link works without a password: the link itself is the key. So do not share it — whoever has the link can reach your Tax Review. See also chapter 11.
Check your email address carefully when ordering: a typo there is by far the most common reason a link does not arrive. Nothing received? Check your spam folder, and otherwise get in touch.
Lost your link? Get in touch from the email address you bought with and we will resend it.
8.2 How long your access lasts
Your access is not limited in time. For as long as we offer the Tax Review concerned, your access link will keep working.
We may remove a Tax Review from the website at any time, for example because the content has become outdated for tax purposes or because a new edition has been published. We will make every effort to preserve your access to what you have already bought, but we cannot guarantee that a document will remain online forever. If we remove a Tax Review within [TO CONFIRM: e.g. 12 months] of your purchase and you are therefore no longer able to access it, we will get in touch with you about a suitable solution.
Tip: because you may save the PDF document for your own use (see chapter 11), you can keep a copy yourself. That way you are never dependent on the link.
8.3 Technical requirements
You need software that can open PDF files, and a working internet connection to retrieve the document. We do not support specific devices or operating systems.
9. Right of withdrawal (cooling-off period)
9.1 If you are a consumer
If you are buying as a consumer — that is, not in the course of a trade or profession — you have, in principle, a 14-day cooling-off period for a distance purchase, during which you may withdraw without giving a reason.
There is a statutory exception to that main rule for digital content that is supplied immediately. A Tax Review falls within it — see below.
If you are buying as a business, you have no statutory right of withdrawal.
9.2 You consent to immediate delivery
A Tax Review is digital content that we deliver immediately after your payment: your access link arrives within a few minutes.
When you order, we therefore expressly ask you to:
- consent to us beginning delivery immediately, and
- confirm that you understand you thereby lose your right of withdrawal as soon as we have granted you access.
Without that consent we cannot deliver immediately and you cannot complete the order. If you do give it, your cooling-off period ends at the moment we send your access link. You will not receive a refund after that. We also confirm that consent in the email containing your access link.
9.3 How to withdraw
Do you still have a cooling-off period and want to use it? Send a message to contact@nozickconsulting.com with your name, your order and a statement that you are withdrawing. An informal email is enough — you do not need to use a form and you do not need to give a reason. We will confirm receipt.
9.4 Refunds
If you withdraw in time, we refund the full amount including VAT within 14 days of receiving your withdrawal, using the same payment method you used to pay, unless we agree otherwise. We do not charge any fee for a refund.
10. Discount codes and promotions
10.1 Discount code for the corresponding webinar recording
With some Tax Reviews you receive, after purchase, a discount code for the webinar recording about the same country. Where that is stated for the Tax Review concerned, you will receive the code by email.
For that code the following applies:
- it is personal and single-use;
- it applies to the recording about the same country as the Tax Review you bought;
- it cannot be exchanged for cash;
- the terms and conditions for webinar recordings apply to the use of the code, because you are buying a recording with it.
Whether such a code is offered, and its value, may differ per Tax Review and per period. You cannot derive any rights from a code issued in the past for a new purchase.
10.2 General rules for discount codes
You can use one discount code per order. Discounts are never stacked: if you qualify for a discount in more than one way, we automatically apply the one that is most favourable to you.
A code may be tied to a particular product, a particular period, a maximum number of uses, or to you personally. What applies is stated with the code itself. Codes do not apply retrospectively to an order that has already been completed. If a code is demonstrably misused (for example resold or shared on a large scale), we may withdraw it.
11. Intellectual property and use
The Tax Reviews and all associated material are and remain our intellectual property (or that of our licensors). You are buying a personal right of use, not ownership and not a right to distribute the document.
What you may do:
- read the Tax Review for your own use, as often as you like;
- save and print the document for your own use;
- share it with your own adviser (for example your accountant or tax adviser) to the extent needed to discuss your own situation;
- use the content to understand your own situation and sharpen your questions.
What you may not do:
- share your access link with others, or publish it;
- forward, distribute, upload or make public the document — in whole or in part, including in a closed group, forum, intranet or chat group;
- resell the document or exploit it commercially;
- reproduce the content in your own publications, services, course materials or advisory work, without our prior written consent;
- circumvent technical protection measures.
Are you buying on behalf of an organisation and would several colleagues like to use the document? Get in touch — we are happy to make separate arrangements.
In the event of a serious or repeated breach we may block your access immediately, without a refund, and recover our losses from you.
12. Liability
12.1 General information, not personal advice
As explained in chapter 3.1: a Tax Review is general, informative country information and not tax, legal or financial advice. Buying it does not create an advisory relationship between you and us.
We compile our Tax Reviews with care, on the basis of the rules as they applied at the time of writing, and we aim for accuracy and completeness. But we cannot guarantee that the content is complete, current or applicable to your situation at any given moment, and we do not automatically update published editions (see 3.2).
We give no guarantee whatsoever as to any specific results or outcomes following a Tax Review.
12.2 Limitation of our liability
To the extent permitted by law:
- we are not liable for decisions you take on the basis of a Tax Review, or for consequential loss, lost profits, missed savings or additional tax assessments arising from them;
- our liability is in any event limited to the amount you paid for the Tax Review concerned;
- we are not liable for inaccuracies resulting from changes in legislation after the publication date, for faults at third parties on which delivery depends (such as the payment service provider), or for force majeure.
These limitations expressly do not apply in the case of intent or deliberate recklessness on our part, in the case of death or personal injury, and not to the extent that mandatory consumer law does not permit them. If you are a consumer, your mandatory statutory rights remain unaffected.
13. Personal data
For your order we process personal data: your name and email address, your payment and invoicing details, and your company details and VAT number if you are buying as a business.
We use those details to give you access, send you your invoice, keep you informed about the Tax Review you have bought, and to comply with our statutory (administrative and tax) obligations. In doing so we use service providers, including our payment service provider, email service, document storage and our accounting and client administration.
We do not sell your data and do not provide it to third parties for their own purposes.
You only receive our newsletter if you have signed up for it; you can unsubscribe at any time using the link at the bottom of every newsletter.
14. Complaints, applicable law and disputes
14.1 Complaints
Do you have a complaint? Please tell us first via our contact form. We will respond substantively within 14 days. The vast majority of issues can be resolved that way.
14.2 Applicable law
Maltese law applies to these terms and to any agreement governed by them.
If you are a consumer, the following also applies, and it matters: this choice of law may not deprive you of the protection of the mandatory rules of the country where you live. If you live in the Netherlands, for example, mandatory Dutch consumer protection continues to apply to you even though Maltese law has been chosen.
14.3 Competent court
Disputes are submitted to the competent court in Malta.
Here too there is an exception for consumers: if you are a consumer, under European law you may always bring proceedings before the court of the country where you live, and we may in principle only bring proceedings against you there. We cannot take that protection away from you in these terms, and we are not attempting to.