Show me within your contract where it states if the IRS is late sending out refunds, and the option you have chosen is the pay Turbo Tax with your Refund, That you can remove your payment upfront before a client receives their tax return. Just as you state you do not control the IRS nor do your clients. So you deem if ok to do this to people. This truly shows how much you care about the people that entrusted your product.
