The terms, in plain sentences
FilerKaro is operated by Abdul Rafy Ahmed, a sole operator in Pakistan. Buying a pack or using the site means these terms apply. They are written to be read, because terms nobody reads protect nobody.
A one-time licence for one tax year
Payment gives you a licence to use FilerKaro for a single tax year, for a single filer: you. It is not a subscription. Nothing renews on its own, no card is stored, and no further charge is made without you starting a new purchase.
| product | price | what it covers |
|---|---|---|
| Filing Pack | Rs 2,500 | The wizard and your tax year 2026 filing pack |
| Filing Pack + ATL Guard | Rs 3,500 | The pack, plus 12 months of ATL monitoring and reminders |
| ATL Guard only | Rs 800 | 12 months of ATL monitoring and reminders, no pack |
Tax year 2026 entitlements run until 30 June 2027, which covers the 30 September 2026 deadline and any correction you need to make after it. A pack covers one filing. If you need a return for another person, that is another purchase.
The pack itself is a computation statement citing the section behind every line, an IRIS walkthrough naming each field and the figure to enter, a wealth statement walkthrough, a document checklist, your PSEB next steps, and payment instructions if tax is due. It is yours to keep and to print.
FilerKaro is software, not a tax adviser
This is the most important clause on the page. FilerKaro performs arithmetic on figures you provide, using FBR published rules for tax year 2026, and shows you where each figure belongs on IRIS. It does not give tax advice, it is not a filing agent, and it does not act for you before FBR.
You file your own return, on IRIS, with your own login. You are responsible for checking the figures before you submit and for what you submit. Figures that are wrong or incomplete going in produce a pack that is wrong coming out, and FilerKaro has no way of knowing about income you did not tell it about. If FBR takes a different view of your return, that is between you and FBR.
Some situations are out of scope and FilerKaro will say so rather than guess: companies and associations of persons, non-residents, capital gains computation, rental income schedules, agricultural income, and provincial sales tax on services. Use a chartered accountant for those.
How payment works today
Payment today is by bank transfer or Raast. Card payment is not available at the moment. You get a unique reference code, you transfer the amount quoting that code, and you upload the receipt. A human, meaning me, checks the transfer against the reference and approves it, normally within a few hours. Approval is what opens your access: until a payment is approved, nothing has been bought and nothing is owed.
If a transfer does not arrive, or the amount or reference does not match, the payment is not approved and no charge stands. When card payment is switched on, Paddle acts as merchant of record for those transactions and its own terms apply to the payment itself. Refunds are covered on the refunds page, which forms part of these terms.
Accounts, availability and liability
You sign in with an emailed magic link, so whoever controls your inbox controls your account. Keep it secure. Do not resell or redistribute the pack, do not share one licence between filers, and do not run automated tools against the service.
FilerKaro is run by one person and is provided as it is, without a guarantee of uninterrupted availability. If FilerKaro causes you a loss, the most you can recover is what you paid for it. FilerKaro does not pay your tax, your penalties or your default surcharge; those are set by FBR and remain yours.
These terms are governed by the laws of Pakistan and disputes go to the courts of Pakistan. They may change, and the version published here on the day you bought is the one that applies to that purchase. Anything you want to ask about them goes to [email protected], which reaches Abdul directly.