Terms Of Services

Rise Wave Media Ltd – Terms & Conditions

Suite G3, Alexandra Court, Carrs Road, Cheadle,England, SK8 2JY

Registered Tax Agent with HMRC

https://risewavemedia.co.uk/terms

1. Definitions

  1. We/Us/Our: Rise Wave Media Ltd
  2. You/Your: The individual submitting an online tax refund or pension-related application
  3. Claim: Your instruction for us to pursue a tax refund or correction on your behalf (including Uniform, Mileage, Marriage Allowance, PPI/PCP refunds, and HRP claims)
  4. Services: All work we perform to assess, prepare, submit, and manage your Claim to HMRC or other government departments (e.g. DWP)

2. Your Authority & Responsibilities

By submitting your application, you:

  1. Authorise Rise Wave Media Ltd to act on your behalf in all dealings with HMRC (and DWP, if relevant)
  2. Appoint us as your nominee to receive any refund or award
  3. Confirm that all information provided is accurate and complete
  4. Consent to us retrieving data from HMRC, DWP, or third parties (e.g. lenders, solicitors)
  5. Understand this agreement is solely between you and Rise Wave Media Ltd
  6. Acknowledge that you could submit the claim directly to HMRC or DWP at no cost, but choose to appoint us
  7. Authorise us to request Final Response Letters (FRLs) from banks/lenders in support of PPI or PCP tax refund claims
  8. Will receive a full copy of completed forms (e.g. 64-8, P87, R40, Travel Logs) before submission

3. Our Services

We will:

    1. Prepare and submit HMRC’s official forms:
      1. P87 – for uniform, mileage, and employment-related expenses
      2. R40 – for overpaid tax on savings or PCP redress
      3. HRP forms – for Home Responsibilities Protection corrections (via HMRC/DWP)
    2. Tailor questions to your circumstances and use your answers to populate the relevant claim forms for each claim type
    3. Provide you with a full copy of completed documentation before submission
    4. Contact you for clarification if needed and may:
      1. Place the claim on hold
      2. Remove unsupported items
      3. Cancel invalid or suspicious claims

We aim to process all claim types within 10 working days of receiving the required information.

HRP claims may take up to 6 weeks, as we must first retrieve your pension and National Insurance history from HMRC before preparing your claim.

Examples of valid claims include:

      1. Work-related travel or uniform costs
      2. Emergency/incorrect tax codes
      3. Overpaid tax on savings
      4. Statutory interest from mis-sold PCP finance
      5. Missed HRP years affecting State Pension entitlement

Mileage claims: we will send you a complete submission pack including 64-8, P87, and Travel Log before submission.

For PCP claims: we require a copy of your Final Response Letter.

For HRP claims: see Section 4 below.

4. Home Responsibilities Protection (HRP) Claims

HRP claims involve correcting gaps in your National Insurance record that may affect your State Pension.

You may be eligible if:

  1. You received Child Benefit or Income Support while caring for a child or dependent between 1978–2010
  2. You are a woman who:
    1. Had a husband turn 65 before 17 March 2008 and receives less than 60% of his pension
    2. Divorced after reaching pension age and have not had your pension reassessed
    3. Receives no basic State Pension but may qualify for SERPS or graduated benefits
  3. You are widowed and do not receive inherited pension rights, despite your spouse reaching pension age before 6 April 2016

You confirm:

  1. You understand HRP eligibility and accept responsibility for verifying your status
  2. You agree to provide supporting documents as requested
  3. You authorise us to liaise with HMRC and DWP to update your NI record and pursue arrears
  4. You understand there is no guaranteed outcome, and final decisions rest with HMRC/DWP
  5. We typically complete our HRP processing within 6 weeks; however, the resolution and payment from HMRC and DWP can take between 6–9 months

5. Solicitor or FCA-Regulated CMC Referrals

If your PCP mis-selling claim was handled by a solicitor or FCA-regulated claims management company, they may have referred you to us as a tax agent to process your R40 claim.

In these cases:

  1. We may receive your Final Response Letter and limited claim details from your representative
  2. Your data will be handled strictly in accordance with our Privacy Policy
  3. The referral will not affect the outcome of your tax claim or the fee charged

6. Fees & Payment Handling

  1. No Win, No Fee applies
  2. Our standard fee is 40% + VAT (48%) of the total refund received (including HRP claims)
  3. Minimum fees apply:
    1. £25 (incl. VAT) for tax refunds
    2. £50 for HRP refunds or arrears
    3. If the refund is below the minimum, we retain the full amount

Before releasing any refund:

  1. You must provide ID, proof of address, and bank details

We will attempt to contact you after 48 hours, 14 days, and 1 month, and continue for up to 12 months before unclaimed funds may be donated to charity. If you contact us later, we will assist you in recovering the amount.

A £19.99 reissue fee may apply if payment needs to be re-sent (unless due to our error).

7. Processing Times & Limitations

  1. Standard claims are submitted within 10 working days of receiving all required information
  2. HRP claims may take up to 6 weeks for us to process, as we must first request and review your pension and National Insurance history
  3. Once submitted, resolution and payment from HMRC or DWP can take 6–9 months depending on their timelines

HMRC and DWP processing times are beyond our control. We are not responsible for delays caused by:

  1. Missing or incorrect information
  2. Third-party communication delays
  3. Processing backlogs at HMRC or DWP

8. Disclaimer

We are not responsible for:

  1. Inaccurate or misleading information you submit
  2. Refunds already processed before your engagement
  3. HMRC offsets or delays
  4. Disallowed claims or reclaims of refunds
    If HMRC reclaims a refund, our fee is still payable. We may, at our discretion, offer a partial refund based on circumstances.

9. Cancellation & Termination

  1. You have the right to cancel within 14 days of signing for all claim types (including HRP)
  2. Contact us via:
    1. Email: info@risewavemedia.co.uk
    2. Post: 2nd Floor, 28a Middle Hillgate, Stockport, SK1 3AY

Cancellation after submission does not prevent the refund being paid, and our fee will apply.

We may cancel this agreement if:

  1. Your claim is found to be invalid or misleading
  2. You fail to respond to key document requests
  3. We are otherwise unable to continue acting on your behalf

10. Limitation of Liability

  1. We are not liable for indirect or consequential loss
  2. Our total liability is limited to the fees you paid us
  3. This does not affect your rights in cases of fraud or negligence

11. Force Majeure

We are not liable for failure or delay due to events outside our control, including:

  1. Natural disasters
  2. Strikes
  3. Government restrictions
  4. Pandemics
  5. Communication outages

12. Data Protection & Marketing

Rise Wave Media Ltd complies with the UK GDPR and the Data Protection Act 2018. Privacy Policy: https://risewavemedia.co.uk/privacy-policy

We may share your contact details with our marketing partner, Tyler Hampshire Ltd (Tyler Media), to send you useful financial updates, claims information, and other regulated offers.

You may review their Privacy Policy here: https://tylerhampshire.uk/privacy-policy

You may opt out of marketing communications at any time by:

  1. Clicking “unsubscribe” in any marketing email
  2. Emailing dpo@risewavemedia.co.uk or unsubscribe@tylerhampshire.uk
  3. Contacting us directly

We may still contact you (via email, phone, or SMS) for service-related updates about your claim.

To comply with anti-money laundering regulations, we may request identity verification before releasing any refund.

13. Complaints Process

To raise a concern:

  1. Speak to any staff member and request a follow-up
  2. Or write to:

Senior Refund Manager

Rise Wave Media Ltd

2nd Floor, 28a Middle Hillgate, Stockport, SK1 3AY

Email: complaints@risewavemedia.co.uk

You will receive:

  1. Acknowledgement within 5 working days
  2. Full written response within 21 working days

14. Notices

We may send important updates or notices via SMS or email to the contact details you provided. These will be considered delivered.

15. Severance

If any part of these Terms is held invalid, the rest remains in full effect.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of England and Wales. You agree to submit to the exclusive jurisdiction of the English courts.

17. Version Control

These Terms are Version 2.0, last updated June 2025.

The latest version will always be published at: https://risewavemedia.co.uk/terms