Frequently Asked Questions

General

What is The Surf4Tax® System about?

The Surf4Tax® System enables online communication of users such as accounting offices with financial institutions, eg. banks, in order to prepare an initial or binding credit offer for clients from the SME segment serviced by accounting offices. An accounting office sends financial information in an anonymised form to the bank via The Surf4Tax® System -> the bank sends back a package of credit, insurance and leasing offers -> the accounting office presents the client with offers and choose the option best for a given business -> the client receives a financial product (quickly and without a bank visit), and the accounting office earns salatry from Surf4Tax.

Why is it worth to cooperate with Surf4Tax?

Cooperation with Surf4Tax is a number of benefits that help lead and, above all, expand the activity of the accounting office. The partner cooperating with Surf4Tax has a chance to gain a real advantage over competitors from the market of accounting services, as well as to overtake competition from the financial services market, such as banks, which increasingly offer accounting services to entrepreneurs. Surf4Tax allows you to extend the offer of an accounting office for a credit or insurance consulting service for clients from the SME segment in a unique edition. Cooperation with us also gives access to state-of-the-art technologies, thanks to which the accounting office can provide its clients with the speed and reliability of operation and full security of the flow of anonymised data between the office and financial institutions. Access to financial services as the only link between the client and the bank, ensuring full protection of his company’s personal data, helps accountancy offices to build and improve relations with their clients, above all entrepreneurs from the SME segment. The accounting office cooperating with Surf4Tax also helps its clients develop their business – it gives them the opportunity to choose the way to finance their business, without having to visit the bank. Thus, the accounting office becomes a partner for its clients because it actually helps them in making important financial decisions that affect the development of their business. Cooperation with Surf4Tax means, in short, the opportunity to take a “step forward”. It is worth to start using the solution that will become an indispensable element of the activity of most accounting offices in the future. FILL IN THE FORM

Why customers should take advantage of the credit offer in the accounting office?

The credit path through an accounting office cooperating with Surf4Tax: the entrepreneur visits his accounting office, which presents him with initial loan offers from various banks; after the selection of the offer and consent to the transfer of the company’s data, the client only waits for information from the accounting office when the loan is granted -> granting of financing can be preceded by only one visit to the accounting office (cooperation with a trusted partner), the entrepreneur does not have to contact bank, all formalities and document flow are supervised by the accounting office (convenience and time saving).

The credit path at the bank: an entrepreneur is looking for a suitable offer on the market out of many options available in several banks (choosing the best option can take up to a few weeks); after selecting the offer, the customer must go to the branch to provide documents (several visits are often necessary); when the loan is granted, another visit to the branch is required to sign the contract (each appointment must be made in advance and the consultants do not always have a “flexible” calendar for clients with whom they have no greater relationship) -> granting financing is therefore preceded by a long independent search (a waste of time) and numerous visits to the bank (lack of convenience), which significantly prolong the process (again a waste of time).

Will working on the credit offer for my clients take me a long time?

No. The Surf4Tax® System is simple and easy to use, and communication with banks and the preparation of loan offers do not require a lot of time on the part of the accounting office. Introduction of customer data to the system (exporting an .xls file from the accounting system), sending a request for an offer to the banks (“Send offer request” button) and the rest of communication with financial partners (eg sending documents) require a few clicks. Everything happens automatically and – what is important – keeping all the rules of data security of the customer. More information: SECURITY)

How much does the Surf4Tax System cost?

The only expenditure associated with using the system is the cost of the license to use the Surf4Tax® System. The purchase of a license that allows access to the system guarantees many additional benefits, for which no additional fees are charged. These include: implementation training for employees of the accounting office, sales management support, reporting of the activity of accounting office employees, statements related to the potential of offers in the accounting office, incentive tools for employees, the ability to determine the remuneration policy for the accounting office team.

What are the responsibilities of an accounting office as part of cooperation with Surf4Tax?

The guarantee of success, and thus the gain of an additional source of remuneration through the use of The Surf4Tax® System is primarily the active and systematic use of the tool. It is important to meet the deadlines specified in the accounting office schedule, ie: by the 25th of the month – sending the demand for offers, by the 5th of the following month – submitting offers to the client, by 15th of the month – submitting documents to the bank. The salary payment for the accounting office from Surf4Tax is made until the end of the month.

What additional support, apart from access to the Surf4Tax® System and technical support, can I receive?

Surf4Tax offers accounting offices not only access to a modern and secure system that will expand their offer. Together with the system, as part of cooperation with us, each partner can count on reliable assistance and professional support of his/her activities. The Surf4Tax® technology enables the processing of financial products, and our experts in the field of finance and marketing will help you run your partner’s business activities in an efficient and modern way. We approach each accounting office individually and try to match our support to individual needs or problems reported to us by accounting offices. Feel free to contact us to discuss your topics so that we can prepare a specific action plan.FILL IN THE FORM

About Surf4Tax

What are the goals of Surf4Tax?

The main goals of Surf4Tax are: to increase the availability of financial products for clients from the SME segment; building a secure data flow between an accounting office and a bank to analyze a credit or insurance offer; speeding up the processing of financial products for clients from the SME segment and shortening the path between the client and the financial institution. More information: ABOUT US

What kind of company is Surf4Tax?

Surf4Tax is a technological company operating in the area of financial services. The base of our activity is an interactive platform for financial data analysis, enabling secure system communication between entities servicing SMEs and institutions such as banks and insurance companies.

Using the most technologically advanced technologies, we have created a proprietary solution ensuring full security, maximum speed and intuitiveness of operation as well as compatibility with all accounting systems available on the market. Our tool allows to build one desktop for accounting services and selling other financial products. More information: ABOUT US.

Security

Is this service safe?

Yes. At every stage of communication between the accounting office and the financial institution, all rules of personal data security are respected in line with the expectations of the regulators. The Surf4Tax® System was created based on the latest technological solutions supporting data flow security, used among others by companies like Google and Amazon. More information SAFETY, TECHNOLOGY

Won’t the bank take over my clients' data to offer them accounting services?

No. No. It is not possible. The agreement between Surf4Tax and the bank secures the accounting offices against the data is taken over by the bank (high contractual penalty). More information: SECURITY

Can another accounting office see my clients' data?

No. No. It is not possible. The agreement between Surf4Tax and the bank secures the accounting offices against the data is taken over by the bank (high contractual penalty). More information: SECURITY

Do I have to install additional software on my computer to use the Surf4Tax® System?

No. The system is available online after logging in securely to the user’s panel. No software installation is required. More information: TECHNOLOGY

The Surf4Tax® System

What is the main function of the Surf4Tax System?

The Surf4Tax® System enables online communication of users such as accounting offices with financial institutions, eg. banks, in order to prepare an initial or binding credit offer for clients from the SME segment serviced by accounting offices. The tool ensures attaching client’s financial documents, on the basis of which anonymised or full financial data of clients in the form of database was provided. More information: TECHNOLOGY

How many types of accounts are available in the system?

The Surf4Tax System distinguishes three types of user system accounts: an account office account, a cooperating bank account and an administrator account. Each account type has an individual scope of access to data (Example 1: the administrator’s account does not have any access to personal data of companies serviced by accounting offices and sees only anonymised financial data.). Example 2: before the trader gives consent for the documentation to be made available to banks, only the accounting office has access to the clients’ personal data). What is important, access to each account is protected by a password assigned to an individual panel, and during each login an update is carried out, confirming that access is properly secured and safe. More information: TECHNOLOGY

How much does the Surf4Tax System cost?

The only expenditure associated with using the system is the cost of the license to use the Surf4Tax® System. The purchase of a license that allows access to the system guarantees many additional benefits, for which no additional fees are charged. These include: implementation training for employees of the accounting office, sales management support, reporting of the activity of accounting office employees, statements related to the potential of offers in the accounting office, incentive tools for employees, the ability to determine the remuneration policy for the accounting office team.

Salary

When will I be paid for my applications?

The salary from Surf4Tax is paid until the last day of each month. We keep the payout deadline, but we also expect the accounting offices to act in accordance with the agreed schedule. The schedule for accounting offices: by the 25th of the month – sending the demand for offers, by the 5th of the following month – submitting offers to the client, by 15th of the month – submitting documents to the bank., to the end of the month – the salary from Surf4Tax.

Can I get a commission for one transaction based on a separate invoice?

No. The salary from Surf4Tax is paid once a month on the basis of a collective invoice containing the total remuneration from all completed transactions (i.e. financial products assigned to the customer’s accounting office by the financial institution through The Surf4Tax® System).

What are the conditions for receiving the salary?

The salary is paid on each completed transaction (i.e. financial products assigned to the accounting firm’s customer by the financial institution through The Surf4Tax® System. The salary is a fixed percentage of the volume of financial transactions.

How much can I earn using the Surf4Tax® System?

Remuneration is a fixed percentage of the volume of financial transactions. Its amount is determined individually on the basis of a contract between a given accountancy office and Surf4Tax.

Technology

What technological solutions does Surf4Tax use?

Surf4Tax uses the most modern technological solutions used by such companies as Google and Amazon. These include: Google Cloud Platform (provides independence from one machine), Docker (open source containers), Google Kubernetes (container connection), Micro Services (ease of application management). These and other innovative tools used to create the Surf4Tax® System provide, among others: easy data management and data relocation, access to a wide range of specialists and coders, speed of adding new functionalities, short testing time, immediate response to possible errors, the ability to shut down and modifications of unit software functionality and modifications in unit functionalities that do not affect the other. More information: TECHNOLOGY.

What is Blockchain?

Blockchain, otherwise known as a block chain, is encoded using cryptographic algorithms, decentralized and distributed database in the open source model in a peer-to-peer (P2P) web-based network that does not have a centralized storage location and no central computers. This database is used to post individual transactions, payments or accounting entries. Cryptography used in blockchain technology ensures resistance to all cyber attacks. Dispersion and decentralization guarantees resistance to IT system failures. The operating costs of blockchain technologies are incomparably lower with other systems, and the gigantic efficiency. More information: TECHNOLOGY

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