Is OLT.com really free to file federal taxes?

Yes. OLT.com allows all U.S. taxpayers to file their federal income tax return for free, regardless of income level, filing status, or tax situation. There are no hidden fees and no income caps. State returns are available for $9.95 per state. For taxpayers who want additional support, the Premium Edition is available for $7.95 per return and includes phone support, live chat, audit assistance, and priority processing. OLT.com is an IRS-authorized e-file provider with a 100% accuracy guarantee.

What tax forms and schedules does OLT support?

OLT supports all major IRS forms and schedules needed to file a complete federal tax return for tax year 2025. This includes Form 1040, Form 1040-SR for seniors, and Form 1040-NR for nonresident aliens. OLT also supports Schedule A (itemized deductions), Schedule B (interest and dividends), Schedule C (business income), Schedule D (capital gains), Schedule E (rental and royalty income), Schedule SE (self-employment tax), and the new Schedule 1-A for 2025 deductions on qualified tips, overtime pay, car loan interest, and the enhanced senior deduction. Additional forms include Schedule 8812 for the Child Tax Credit, Form 8962 for the Premium Tax Credit, Form 8863 for education credits, and Form 1099-series reporting.

What changed in tax year 2025 that affects my return?

Tax year 2025 introduces several important changes. The new Schedule 1-A allows taxpayers to claim deductions for qualified tips (up to $25,000), qualified overtime compensation, car loan interest on passenger vehicles, and an enhanced deduction for seniors born before January 2, 1961 (up to $6,000 per person). The Child Tax Credit has increased to $2,200 per qualifying child, with the Additional Child Tax Credit maximum at $1,700. The SALT deduction cap has risen to $40,000. Digital asset sales are now reported by brokers using the new Form 1099-DA. The maximum income subject to Social Security tax is $176,100 for 2025. The filing deadline for most taxpayers is April 15, 2026. OLT automatically applies all of these updates when you file.

Who can file their taxes with OLT.com?

OLT.com supports a wide range of tax situations for U.S. taxpayers. This includes W-2 employees, self-employed individuals and freelancers who file Schedule C, gig workers who receive 1099-NEC or 1099-K income, retirees reporting Social Security benefits and IRA withdrawals, students claiming education credits, families claiming the Child Tax Credit and Earned Income Credit, investors reporting capital gains and cryptocurrency transactions, rental property owners reporting Schedule E income, and small business owners. OLT covers all federal filing statuses: Single, Married Filing Jointly, Married Filing Separately, Head of Household, and Qualifying Surviving Spouse.

How does filing with OLT.com work?

Filing with OLT.com is a straightforward online process. First, create a free account at OLT.com. Then enter your personal information, import or manually enter your W-2s and 1099 forms, and follow the guided step-by-step interview that walks you through income, deductions, and credits. OLT calculates your estimated refund or amount owed in real time before you submit. When you are ready, OLT e-files your return directly with the IRS as an authorized e-file provider. Refunds are typically deposited into your bank account within 21 days of IRS acceptance. The Premium Edition adds phone and live chat support, audit assistance, year-over-year comparison, and priority processing for $7.95 per return.

Where can I find tax guides and educational resources?

OLT provides a comprehensive Tax Knowledge Base at kb.olt.com with detailed articles, form-by-form guides, and educational content covering every aspect of federal and state tax filing. Topics include a complete Form 1040 filing guide, the new Schedule 1-A deductions for 2025, guides to the Child Tax Credit (Schedule 8812), reporting interest income (Form 1099-INT), understanding additional taxes (Schedule 2), and state-specific tax resources for all 50 states. You can also visit the OLT Tax Corner for seasonal tips, tax news, and deadline reminders. For personalized tax advice, consult a licensed tax professional.

PRIVACY & SECURITY

Your information, explained clearly.

Start with an easier-to-read version of OLT's Privacy Policy, or switch at any time to the full policy in its original legal format.

Effective January 29, 2014 • Last updated September 2, 2025

Choose how you want to read the Privacy Policy:

Easy-to-Read View View Full Policy As-Is

No advertising sale/rental

OLT says it does not share, sell or rent personal information to third-party advertisers or spammers.

Return data goes to tax authorities

Tax-return information is provided to the IRS and applicable state taxing authorities when you file.

SSL for sensitive transmissions

OLT says sensitive information entered on order forms is transmitted using SSL technology.

Individual rights

The policy describes requests for access, correction, deletion and limits on certain uses, subject to legal requirements.

EASY-TO-READ PRIVACY POLICY

Find the section you need.

This view reorganizes the current policy without replacing the full legal version. Customers can switch to "View Full Policy As-Is" above whenever they want the longer original presentation.

The Privacy Policy is part of OLT's applicable user agreements. By accepting the agreement or using the website, software or services, users agree to the policy's collection, use and disclosure practices. OLT reserves the right to modify the policy and says material changes may be communicated electronically, by email or through website notices.

Personal and tax information: The policy identifies information such as name, Social Security number, email and mailing address, income, dependents and other financial information provided when preparing and filing a return.

Registration: Name and email may be used for account verification, customer service, annual reminders and service-related communications.

Financial information: Payment and banking data may be collected for payment processing or direct deposit. The policy says financial information is used to process transactions.

The current policy says OLT generally does not disclose personal information to unaffiliated third parties and specifically says it does not share, sell or rent personal information to third-party advertisers or spammers. It describes limited disclosures including customer-directed disclosures, filed tax returns sent to tax authorities, service providers, legal/regulatory requests, fraud prevention, emergencies and certain business transactions.

OLT states that sensitive information entered on order forms is encrypted during transmission using SSL technology and that access to user information in its offices is restricted to employees who need it for their jobs. The policy also states that no Internet transmission or electronic storage method is 100% secure and absolute security cannot be guaranteed.

The policy says OLT collects certain technical information automatically, including browser type, referring URL and usage information, to analyze trends, administer the website and improve services. OLT and partners may use cookies or similar technologies, and disabling cookies may limit some site features.

Third-party websites linked from OLT may have different privacy practices. Social-media features may collect IP address and page activity and may set cookies. Interactions with those features are governed by the third party's privacy policy.

The policy says OLT's website, software and services are intended for users age 18 and older and that OLT will not knowingly collect or use personal information from individuals it knows are under 18. A parent or guardian may still enter tax data for a taxpayer under 18.

The policy describes information that may be collected through live chat, including name, email and device/browser information, and states that it is used to communicate about the customer's inquiry.

YOUR INFORMATION

Access and individual rights

OLT's policy says users may ask whether the company holds or processes their information and may request correction, deletion or that OLT stop certain uses, subject to identity verification, tax-record retention, regulatory obligations and other legal limitations.

OLT states that it is a financial institution subject to the Gramm-Leach-Bliley Act. Except as necessary to provide tax-preparation services or as authorized by law, the policy says OLT will not use or disclose Tax Information unless the customer consents.

The live policy contains dedicated notices for California, Colorado, Connecticut and Virginia, including state-specific rights, exemptions, identity verification and other requirements. In production, these should remain accessible in full rather than being replaced by the summary view.

PRIVACY CONTACT

Questions or requests?

The live policy directs users to Customer Service or Privacy@olt.com and lists On-Line Taxes, Inc., 724 Jules Street, Saint Joseph, MO 64501.

Full Policy As-Is view: This option is intentionally presented as a long-form legal document rather than summarized cards or accordions. In production, the ideal implementation is to render the exact current policy content from the same policy source/database so the "as-is" version is always identical to the legally maintained copy.

OnLine Taxes Privacy Policy

(Effective January 29, 2014 Updated Last on September 02, 2025)

Colorado Privacy Policy California Privacy Policy Connecticut Privacy Policy Virginia Privacy Policy

On-Line Taxes, Inc. ("OnLine Taxes", "we", "us" or "our") recognizes your need for the appropriate protection and management of your personally identifiable information ("Personal Information") that we may acquire in connection with your use of our website, tax preparation software, and the services offered on our web site.

Accordingly, we have instituted this privacy policy to inform you how we collect, use, and store your Personal Information. The policy applies to OLT.com and OLTPRO.com and is part of the applicable On-Line Taxes user agreements.

Acceptance of and Changes to Privacy Policy

When you agree to the applicable user agreement or access or use the website, software, or services, you agree to the collection, use and disclosure practices described in the Privacy Policy. OLT reserves the right to modify the policy and says material changes may be communicated electronically, by email or through a website notice.

Information Collection and Use of Personal Information

OLT collects personal information for the purpose of providing the website, software and services, including allowing users to prepare and file tax returns, collect tax refunds and use related services. Categories described in the current policy include name, Social Security number, email address, mailing address, income, dependents and financial information.

The policy separately describes Tax Information, Registration Information and Financial Information, including payment details and bank information used for transactions such as software payments and direct deposit.

Disclosure of Personal Information

The policy says there are no affiliated companies to which OLT will disclose personal information and that OLT generally will not disclose personal information to unaffiliated third parties. It specifically states that OLT does not share, sell or rent personal information to third-party advertisers or spammers.

Limited disclosures described by the policy include a customer's consent, tax-return transmission to the IRS and state taxing authorities, third-party service providers, emergencies, regulatory or legal requirements, fraud prevention and certain merger or acquisition events.

SSL and Data Security

The policy states that sensitive information entered on order forms is encrypted in transmission using secure socket layer technology (SSL). OLT also restricts access to user information held in its offices to employees who need the information for a specific job. The policy states that no Internet transmission or electronic storage method is 100% secure.

Log Files and Tracking Technologies

OLT says it automatically gathers technical information such as browser type and referring URL and may use cookies or similar technologies to analyze trends, administer the website, understand usage and improve services. Disabling cookies may limit certain features.

Links to Other Sites and Social Media Features

The policy notes that third-party websites may have different privacy practices and that social-media features may collect information such as IP address and page activity and may set cookies.

A Note About Children's Privacy

The policy states that the website, software and services are intended for users age eighteen and older and that OLT will not knowingly collect or use personal information from individuals known to be under eighteen, although a parent or guardian may enter tax data for a taxpayer under eighteen.

Better Business Bureau / Dispute Resolution

The live policy references the BBBOnLine Reliability Program and a third-party TrustArc dispute-resolution process for unresolved privacy or data-use concerns.

Customer Support Live Chat

The policy describes information collected by live chat, including name, email and device/browser details, and says this information is used to communicate regarding the customer's inquiry.

Access and Individual Rights

OLT states that users may ask whether it holds or processes their information and may request correction, deletion or that OLT no longer use certain information, subject to legal, identity-verification, regulatory and operational limitations.

United States Privacy Policy / Gramm-Leach-Bliley Act

The policy states that OLT is a financial institution subject to the Gramm-Leach-Bliley Act and describes restrictions on use or disclosure of Tax Information except as necessary for tax-preparation services, with consent, or as authorized by law.

California Notice

The current policy includes a detailed California privacy notice covering the scope of the CCPA, categories of personal information, sources, recipients, collection purposes, retention, access, correction, deletion, sale/sharing opt-out, sensitive information, nondiscrimination, verification and authorized agents.

Colorado Residents

The current policy contains a dedicated Colorado section describing access, correction, deletion, targeted-advertising opt-out, profiling, sensitive personal data, nondiscrimination and authentication rights under the Colorado Privacy Rights Act, subject to applicable exemptions.

Connecticut Residents

The current policy contains a dedicated Connecticut section with similar state-specific rights under the Connecticut Data Privacy Act, subject to applicable exemptions.

Virginia Residents

The current policy contains a dedicated Virginia section describing rights under the Virginia Consumer Data Protection Act, subject to applicable exemptions.

Contact Information

Privacy questions may be directed to Customer Service, Privacy@olt.com, or by mail to On-Line Taxes, Inc., 724 Jules Street, Saint Joseph, MO 64501.