Terms & Conditions

Welcome to Kapwa Services. These terms govern your use of our website and services. By using our site or hiring us, you agree to these terms.

Our Services
Kapwa Services provides bookkeeping, financial operations support, and back office services to small businesses and online sellers. We do not provide legal advice, tax advice, or certified public accounting services unless explicitly stated. Tax filings are handled through our contracted CPA partner, Cristina of CVO Tax and Accounting.

Client Responsibility
You agree to provide accurate, complete, and timely information needed for us to perform our services. This includes bank statements, receipts, invoices, and access to your accounting software. We rely on the information you give us. If the information is incomplete or incorrect, we are not responsible for errors that result.

Payment Terms
Invoices are due within the timeframe stated on each invoice. Late payments may result in a pause of services. If an account becomes overdue by more than 30 days, we reserve the right to terminate services.

Refunds
We stand behind our work. If we make an error in your books, we will correct it at no charge. However, monthly service fees are non refundable once the month's work has been completed. If you prepay for a period and decide to cancel before that period ends, we will refund the unused portion on a pro rated basis. No refunds are given for work already performed.
One time project fees (cleanup fees, setup fees, HR documentation, tax filing coordination) are non refundable once the work has been delivered. If you cancel before work begins, you will receive a full refund.

Data Retention
We keep your financial records for as long as you are an active client. After termination, we retain your data for seven years to comply with IRS record keeping requirements. After seven years, your data is permanently deleted from our systems.
You may request a copy of your records at any time during or after our engagement. We will provide your data in a standard export format (CSV or PDF) within 14 days of your request. After the seven year retention period, we cannot recover deleted data.
We do not sell your data to anyone. We do not share your data with anyone except our contracted team members and partners who need access to perform services for you.

Confidentiality
We take your privacy seriously. We will not share your financial data with anyone outside our team and contracted partners, except as required by law. Our team members and contractors sign confidentiality agreements. You own your data at all times.

No Guarantee of Results
We guarantee that we will perform our services with reasonable care and skill. We do not guarantee that your business will grow, that your taxes will be lower, or that you will never receive an IRS notice. Financial outcomes depend on many factors outside our control.

Limitation of Liability
To the fullest extent permitted by law, Kapwa Services and its owners, employees, and contractors are not liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability is limited to the amount you paid us in the six months before the claim arose.

Indemnification
You agree to hold Kapwa Services harmless from any claims, losses, or damages arising from your failure to provide accurate information, your violation of any law, or your misuse of our services.

Dispute Resolution
We hope disagreements never happen. If they do, here is how we handle them.

Step 1: Talk to us first.
Contact us at hello@kapwaservices.com or call +1 (949) 990-4450. Describe the issue clearly. We will respond within 5 business days and work with you in good faith to resolve the matter.
Step 2: Mediation.
If we cannot resolve the dispute directly, both parties agree to attempt mediation through a neutral third party before filing any legal action. Mediation costs are shared equally. Mediation takes place in Los Angeles County, California, or by remote video if both parties agree.
Step 3: Binding Arbitration.

If mediation fails, the dispute shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration takes place in Los Angeles County, California. Each party bears its own arbitration costs and legal fees. The arbitrator's decision is final and enforceable in court.

Exception for non payment.
If a client fails to pay an invoice, we reserve the right to pursue collection without mediation or arbitration.

Termination
Either party may terminate our service agreement with 30 days written notice. We may terminate immediately if you fail to pay, provide false information, or act in a way that harms our business or team.
Upon termination, we will provide your records in a standard export format within 14 days. We will retain your data for seven years as described in the Data Retention section.

Changes to These Terms
We may update these terms from time to time. The current version will always be posted on this page. Continued use of our services after changes means you accept the updated terms.

Governing Law
These terms are governed by the laws of the State of California, where MCNERGY LLC (our legal entity) is registered. Any disputes not resolved through mediation or arbitration shall be resolved in California courts.

Contact Us
If you have questions about these terms, reach out to us at:
Kapwa Services (A DBA of MCNERGY LLC)
Email: hello@kapwaservices.com
Phone: +1 (949) 990-4450

Effective Date: April 2026