Refund & Cancellation Policy

1. Nature of the Service

Miguelina Rosario Accounting & Bookkeeping Services offers professional accounting services — NOT physical products. Therefore, this policy refers to service delivery, cancellations, and refunds related to monthly subscriptions.

2. Service Delivery

2.1. Service Start:

The service begins within 48 business hours after receipt of payment and full access to the client's accounting systems.

2.2. Delivery by Service Type:

• Monthly Subscription — Basic: Reports delivered within 5 business days after all required documentation is received
• Monthly Subscription — Small Biz: Reports delivered within 7 business days after all required documentation is received
• Monthly Subscription — Essential: Reports delivered within 10 business days after all required documentation is received
• Catch Up: Completion date agreed upon at project start based on backlog volume
• One-Time Project: Delivery date agreed upon before project start
• System Setup: Completed within 5 business days of receiving full system access
• White Label: Delivery schedule agreed upon with the CPA firm or partner

2.3. Delivery Method:

• Email (PDF format)
• Direct access to QuickBooks Online
• Cloud storage platform (Google Drive)

3. Cancellation Policy

3.1. Cancellation by the Client:

• The client may cancel their subscription at any time without penalty
• Cancellation must be notified in writing (email) at least 5 days before the next billing period
• Once cancelled, the service will continue until the end of the already paid period
• No proportional refunds for mid-month cancellations

3.2. Cancellation by Miguelina Rosario Accounting & Bookkeeping Services:

We reserve the right to cancel the service if:

• The client does not provide necessary information or access after 3 requests
• The client repeatedly fails to deliver documentation
• There is non-payment for more than 15 days
• The client engages in disrespectful behavior toward our team

3.3. Service Pause:

• Clients may pause their subscription for a maximum of 3 months without losing their configuration
• The pause must be requested at least 5 days in advance
• During the pause, the monthly service fee is not charged

4. Refund Policy

4.1. Refunds for Undelivered Services:

If for any reason we fail to deliver the agreed services, we will issue a proportional refund or a credit for the next month.

4.2. Refund Exclusions:

Refunds are not granted for:

• Cancellations after the first 7 days
• Non-use of the service by the client
• Dissatisfaction with the business's financial results (unrelated to our work)
• Change of mind after the guarantee period

4.3. Refund Process:

• Approved refunds are processed within 5–10 business days
• The refund is made via the same original payment method
• The client will receive email confirmation once processed

5. Catch-Up Service

• 1 year of backlog: FREE when contracting any monthly plan (only pay the first month)
• More than 1 year of backlog: Custom pricing based on evaluation

Once the Catch-Up service has begun, cancellations are not accepted if more than 25% of the period has been worked. If cancelled before 25%, a proportional charge applies based on work completed.

6. Plan Changes

6.1. Upgrade:

You may switch to a higher plan at any time. The change applies immediately and the proportional difference for the current month is charged.

6.2. Downgrade:

You may switch to a lower plan at the end of your current billing period. The new price applies from the next month.

7. Payment Methods Accepted

• Bank transfer (Lead Bank — USD only)
• PayPal (USD only)
• BHD Bank transfer (DOP only)

8. Late Payments

• Days 1–5: Friendly email reminder
• Days 6–10: Second reminder + temporary pause of new reports
• Days 11–15: Temporary service suspension
• Day 16+: Automatic service cancellation

To reactivate after cancellation for non-payment, the overdue month plus the current month must be paid.

9. Contact