Terms & Conditions

1. About these terms

These terms apply to the website miguelinarosario.com and to the services of Miguelina Rosario, Accountant & Bookkeeper (Exequátur No. 709-24). I work as an independent professional, 100% remotely from the Dominican Republic, with small businesses in the United States and the Dominican Republic and with CPA firms. By using this website or hiring my services, you agree to these terms.

2. Services

• Monthly Subscription (Kickstarter, Small Biz, Growing and Full Corp plans)
• System Setup
• Cleanup / Catch-up
• CPA Ready (year-end books ready for your CPA)
• Specialized Add-ons
• White-label bookkeeping for CPA firms

What each service includes and its current price are shown on the Services page. Prices may change. The price in your written agreement applies to you.

3. Starting the service

Every engagement starts with a written agreement. The scope of work and the start date must be agreed in writing by both parties. We may also have a live onboarding call. If these terms and your written agreement are different, your written agreement applies.

4. Payment

The payment method is set according to each client's needs. Monthly plans are paid in advance. Details on cancellations, pauses and refunds are in the Refund Policy.

5. Monthly plans

• Each plan includes a set number of financial accounts. Each bank account or business credit card counts as one account.
• Transactions are unlimited, within the accounts and scope of your plan.
• If you need more accounts or services, we will change your plan or quote the extra work separately.
• Plan changes take effect at the start of your next billing cycle.
• You choose your monthly report date in your agreement: the 5th, 7th, 10th or 15th of the following month.
• Delivery dates for other services are set in your agreement.

6. Minimum term with free Cleanup / Catch-up

Monthly plans without Cleanup / Catch-up can be cancelled at any time, as described in the Refund Policy. If you receive free Cleanup / Catch-up with your plan, a minimum of 6 months of service applies. If you cancel before 6 months, you will pay the remaining months up to 6.

7. Your responsibilities

• Send complete and accurate information and documents.
• Answer my questions as soon as possible.
• If information arrives late, delivery dates move by the same time. I am not responsible for delays caused by missing or late information.
• When there is a deadline, such as tax season or a date set by your CPA, you must respond promptly.

8. My responsibilities

• Do the work with care and professional standards.
• Deliver what your plan or agreement includes, on the agreed dates.
• Keep your information 100% confidential.

9. What is not included

• Tax return preparation or filing
• Payroll processing (I only record payroll from your provider)
• Audits
• CFO or controller services, tax planning, advanced projections or budgeting
• Legal or tax advice

I am not a CPA or an Enrolled Agent, and I do not represent clients before the IRS or any tax authority. CPA Ready means books ready for your CPA or tax preparer; it does not include tax preparation.

10. Access and security

I do not ask for your passwords. I prefer that you send me the information. If you give me access to a bank or other account, it must be read-only. Any credential I receive is stored encrypted in a password manager.

11. Confidentiality

I keep all client information confidential during our work together and after it ends, with no time limit. I share information only when you authorize it or when the law requires it.

12. White-label work for CPA firms

• I will not contact, solicit or accept work from your firm's clients during our agreement and for 24 months after it ends, unless your firm agrees in writing.
• I will never use or share your clients' information for any purpose other than the work you assign to me.
• Fees, deadlines and refunds follow the written agreement with each firm.

13. Late payments

• From the first day a payment is late, I send payment reminders until it is paid.
• Days 1 to 15: work continues as normal.
• From day 16: reports are not delivered and work is reduced.
• Day 30: the service is cancelled. I send you a statement of the amount due. The balance remains due, and I will not provide further services.

14. End of service and QuickBooks Online

• QuickBooks Online is included while your monthly plan is active.
• When the service ends and there is no balance due, I will transfer your QuickBooks Online file to you within 24 hours. From that date, you pay the QuickBooks subscription directly.
• If there is a balance due, the transfer happens after full payment.
• I will complete your books up to the cancellation date and deliver them within 30 days.
• The documents you gave me are yours and will be returned to you.

15. Corrections and limitation of liability

• After I deliver your books, I will correct any error in my work reported within 3 months. After 3 months, I will not make changes to your books unless you hire me again.
• I am not responsible for errors caused by incomplete or incorrect information, for your business decisions, or for penalties from late tax filings.
• My total liability is limited to the fees you paid me in the last 3 months of service.

16. Intellectual property

The content of this website, my templates and my methods belong to me. The financial reports prepared for you belong to you.

17. Governing law

These terms are governed by the laws of the Dominican Republic. If you are located in the United States, a dispute may also be resolved where you are located.

18. Changes to these terms

I may update these terms. Active clients will receive an email at least 15 days before changes take effect.

19. Language

This website is available in English and Spanish. If there is any difference between versions, the English version applies.

20. General

These terms, together with your written agreement, are the full agreement between us. If any part is found invalid, the rest remains in effect. I am not responsible for delays caused by events outside my control, such as power or internet outages or natural disasters.

21. Contact