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Terms of Service

Last updated: November 13, 2026

These terms are an agreement between you and Navo, Inc. (“Navo,” “we” or “us”). They cover navo.ai, the Navo filing app, and using Navo through an AI assistant (together, “Navo”). By creating an account or using Navo, you agree to these terms and to our Privacy Policy. If you don’t agree, please don’t use Navo.

Please read section 15. It says that disputes are resolved by individual arbitration and not in court or in a class action.

1. What Navo does

Navo is software that helps you prepare your own federal individual income tax return (Form 1040) and your Ohio individual income tax return, and e-file them. Navo’s tax engine does the math. You answer the questions, review your return, and sign and file it yourself.

  • Navo files for you directly. Navo is an Authorized IRS e-file Provider. We transmit your federal return to the IRS and your Ohio return to the Ohio Department of Taxation ourselves.
  • Supported situations. Navo supports the tax situations listed on our coverage page. If your situation isn’t supported, Navo tells you, and you will need to file another way.
  • Price. Filing with Navo is free for 2026 tax returns filed in the 2027 season, with no income limit and no paid upgrades. Navo files federal returns from every state and state returns for Ohio. If we ever charge for anything, we will tell you the price before you start, and you won’t be charged for anything you didn’t agree to.
  • Not affiliated with the IRS. Navo started from Direct File, the tax software the IRS released as open source. Navo is a private company and isn’t affiliated with or endorsed by the IRS or the Ohio Department of Taxation.

2. Who can use Navo

You must be at least 18 years old and able to make a binding agreement. You may use Navo to prepare your own return and, for a joint return, your spouse’s, with their permission. You may not use Navo to prepare returns for other people as a paid preparer.

3. Your account

  • You sign in with your email address, and every account uses a second sign-in step, such as a code sent to your email or phone.
  • Keep your sign-in details to yourself. You are responsible for what happens in your account. Tell us right away at support@navo.ai if you think someone else has used it.
  • Give us accurate contact details so we can tell you about your return.

4. Your responsibilities

  • You are responsible for your return. Answer every question truthfully and completely, and review your whole return before you sign it.
  • Navo calculates your return from what you enter. If what you enter is wrong or incomplete, your return will be too.
  • Keep your tax documents and a copy of your return, as the IRS and Ohio require.
  • File on time. Navo shows you deadlines, but filing, paying any tax you owe, and answering any letter from a tax agency are your responsibility.

5. Signing and filing your return

  • You sign your return electronically, using a five-digit signing PIN you choose and your prior-year adjusted gross income or prior-year signing PIN, and an IP PIN if the IRS issued you one. When you sign, you declare under penalties of perjury that you have examined your return and that, to the best of your knowledge and belief, it is true, correct and complete.
  • Your electronic signature has the same legal effect as a handwritten signature. You authorize Navo to transmit your signed return to the IRS and, if you file one, to Ohio.
  • The IRS or Ohio may accept or reject your return. If it is rejected, Navo tells you why and helps you fix and resend it, or explains how to file on paper.
  • Refunds and payments go directly between you and the tax agency. Navo never holds, receives or advances your refund or your payment. If you choose to pay by direct debit, the IRS or Ohio takes the payment from your account, not Navo. Navo doesn’t promise when a refund will arrive or how much it will be; the tax agency decides that and may change it.

6. Uploading documents

You can upload a Form W-2 instead of typing it. A service provider reads the document for us, and Navo shows you each value. Reading a document isn’t perfect: check every value against your form and correct anything that’s wrong before you continue. Only upload documents that belong to you or to someone on your return.

7. Using Navo through an AI assistant

  • You can choose to work on your Navo return through an AI assistant you use. It is optional, and you can always use Navo directly instead.
  • Navo shares your return information with an assistant only after you sign the consent described in our Privacy Policy. You can disconnect the assistant in Navo at any time.
  • The assistant is made by another company and is governed by that company’s terms and privacy policy. Navo doesn’t control it and isn’t responsible for what it says or does.
  • Navo’s tax engine, not the assistant, calculates your return. Answers the assistant enters for you are treated as your answers, so check them. You sign and file your return in Navo, never in the assistant.

8. Navo isn’t tax advice

Navo explains questions and rules in general terms to help you prepare your return. It isn’t legal, tax or financial advice for your situation, and using Navo doesn’t make Navo your tax preparer for advice purposes, your representative before the IRS or Ohio, or your adviser. Navo doesn’t provide audit support or represent you if a tax agency contacts you. For help with tax law, you can use the IRS Interactive Tax Assistant or a tax professional.

9. Our accuracy guarantee

If a Navo calculation error leads the IRS or the Ohio Department of Taxation to charge you a penalty or interest, we reimburse it with a gift card of up to $100. This applies to every return Navo files.

  • What we pay: penalties and interest the IRS or the Ohio Department of Taxation charges you because Navo calculated something wrong, paid as a gift card of up to $100 per return.
  • What we don’t pay: the tax itself, and any amount above $100. If a correction means you owe more tax, that tax was always yours to pay.
  • What counts as a Navo error: a mistake in the calculations or formulas in Navo’s software. It doesn’t cover errors in the information you entered, choices you made against Navo’s guidance, or tax law changes made after you filed.
  • How long it lasts: tell us within 15 days of the date the IRS or Ohio charged the penalty or interest.
  • How to claim: email support@navo.ai with a copy of the notice. We check it, and if a Navo calculation error caused the charge, we send you a gift card for the penalty and interest, up to $100.

10. Electronic communications

You agree to receive agreements, notices, consents, disclosures and other communications from Navo electronically, in the app or by email. To use Navo you need a device with internet access, a current web browser, an email address, and a way to view and save PDF files. You can withdraw this consent by emailing support@navo.ai; because Navo is an online service, withdrawing it means you won’t be able to keep using Navo.

11. Acceptable use

You agree not to:

  • file a false or fraudulent return, or a return for someone without their permission;
  • use someone else’s identity, account or documents;
  • try to get into accounts or data that aren’t yours, or interfere with or overload Navo’s systems;
  • use bots or automated tools to create accounts or file returns, except an AI assistant connected as Navo allows; or
  • use Navo in any way that breaks the law or IRS or Ohio rules.

We may suspend or close an account to protect you, other filers, Navo or the tax system, including when we reasonably suspect fraud or identity theft.

12. Navo’s software and content

Navo, its name, logo, design and content belong to Navo, Inc. or its licensors. Parts of Navo are built on open-source software, which is covered by its own license. We give you a personal, limited right to use Navo to prepare and file your own returns. Your return information is yours.

13. Disclaimers

We work hard to make Navo accurate and available, and we stand behind our calculations under section 9. Except as these terms say, and to the extent the law allows, Navo is provided “as is” and “as available,” and we disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We don’t promise that Navo will be available without interruption, especially near filing deadlines, so please don’t wait until the last minute.

14. Limits on our liability

To the extent the law allows, and except for what we owe you under section 9, Navo isn’t liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, and Navo’s total liability to you for any claim about Navo is limited to $100. Some places don’t allow these limits, so they may not apply to you.

You agree to cover Navo’s reasonable losses and costs from a claim by someone else caused by your breaking these terms or the law, such as filing a fraudulent return.

15. Resolving disputes

If you have a problem with Navo, email support@navo.ai first; most problems can be solved that way. If we can’t resolve it within 60 days, you and Navo agree that any dispute about Navo or these terms will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, and not in court. Either of you may instead bring an individual claim in small claims court. You and Navo each give up the right to a jury trial and to take part in a class action or class arbitration. You may opt out of arbitration by emailing support@navo.ai within 30 days of first accepting these terms.

These terms are governed by the laws of the State of Delaware and applicable federal law, without regard to conflict-of-laws rules.

16. Ending your use of Navo

You can stop using Navo and ask us to delete your account at any time by emailing support@navo.ai. Returns you have already filed stay filed. Sections 9 and 12 through 15 continue after your account is closed.

17. Changes to these terms

We may update these terms. We will post the new version here with a new date and, for important changes, tell you in the app or by email before they take effect. If you keep using Navo after a change takes effect, the new terms apply. Changes never apply to a return you have already filed.

18. Contact us

Email support@navo.ai. Our mailing address is Navo, Inc., 251 Little Falls Drive, Wilmington, Delaware 19808.