The rules for using this site and for working with us. Your signed proposal governs the work itself; this covers everything around it.
Last updated September 1, 2026
These terms are between you and Joapo Group LLC, a California limited liability company doing business as Avanza (“Avanza,” “we,” “us”). By using avanzaprofit.com or engaging us, you accept them. If you are accepting on behalf of a business, you confirm you are authorized to bind it.
The scope, fees, deliverables, and schedule of any service are set out in a written proposal, engagement letter, or statement of work signed by both parties. Where that document and these terms conflict, that document wins for the work it covers. These terms fill the gaps and cover use of this website.
We provide financial management, bookkeeping, accounting, reporting, and financial analysis and advisory services for small and growing businesses.
Our work informs your decisions. It does not replace your judgment or the advice of your licensed professionals, and business decisions remain yours.
Our work is only as good as what we are given. You agree to:
We are entitled to rely on the information you give us without independently verifying it, and we are not responsible for consequences of information that was incomplete, inaccurate, or late.
Fees are stated in your proposal. Recurring services are billed in advance on the stated cycle; project work is billed as the proposal sets out. Invoices are due on receipt unless stated otherwise. Work outside the agreed scope is quoted and approved before it starts. If the complexity or volume of your business changes materially, we may propose a revised fee, with notice, before it takes effect.
Overdue invoices may carry interest at 1.5% per month, or the maximum the law allows, whichever is lower. We may suspend work on accounts more than 30 days past due after written notice, and you remain responsible for fees earned before suspension.
Ongoing services continue month to month unless your proposal states a term. Either party may terminate for convenience with 30 days’ written notice, and either may terminate immediately for material breach that is not cured within 15 days of notice. On termination you owe fees for work performed through the termination date, and we will return your records and hand off access within a reasonable time once your account is current.
Each party will keep the other’s non-public business information confidential and use it only to perform or receive the services. This does not cover information that is public through no fault of the receiving party, was already known, is independently developed, or must be disclosed by law. Our handling of personal information is described in our Privacy Policy.
Your source records and financial data remain yours. Deliverables prepared for you become yours on payment. Our internal working papers, templates, checklists, models, dashboards, and methods remain ours, and nothing here transfers a license to them beyond your own use of the deliverables. You may not resell, redistribute, or white-label our deliverables without written permission.
Services depend on third-party platforms — accounting software, banking feeds, payroll providers, scheduling tools, and hosting. Their availability, accuracy, and terms are outside our control, and we are not liable for their outages, data errors, price changes, or discontinuation. You are responsible for your own subscriptions to those platforms unless your proposal says we carry them.
The content on this site is provided for general information and is not advice for your specific situation. Do not attempt to gain unauthorized access to the site, interfere with its operation, scrape it at a volume that degrades it, or use it to send anything unlawful. We may change or withdraw site content at any time.
During the engagement and for twelve months after it ends, neither party will solicit the other’s employees or contractors involved in the work to leave that relationship. General job postings not targeted at those people are fine.
Except as expressly stated in your engagement, the services and this website are provided “as is,” and we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error-free. We do not guarantee any financial result, profit, savings, tax outcome, financing approval, or business performance.
To the fullest extent the law allows, neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data, even if advised such damages were possible. Our total liability arising out of or relating to the services is limited to the fees you paid us for the services in the twelve months before the event giving rise to the claim. These limits do not apply to fraud, willful misconduct, or anything that cannot be limited by law.
You agree to indemnify and hold us harmless from third-party claims arising out of your business operations, your filings and tax positions, the accuracy of the records you provide, or your use of the services in breach of these terms — except to the extent the claim results from our own gross negligence or willful misconduct.
These terms are governed by the laws of the State of California, without regard to its conflict of laws rules. Before filing anything, the parties will attempt to resolve the dispute in good faith for 30 days after written notice. Unresolved disputes will be brought in the state or federal courts located in San Mateo County, California, and both parties consent to that jurisdiction and venue. Each party may still seek injunctive relief for misuse of confidential information or intellectual property.
If a provision is found unenforceable, the rest stays in effect. A failure to enforce a term is not a waiver of it. Neither party may assign these terms without the other’s consent, except in a merger or sale of substantially all assets. We are independent contractors; nothing here creates a partnership, joint venture, or employment relationship. Neither party is liable for delays caused by events outside its reasonable control. Sections on confidentiality, ownership, disclaimers, liability, indemnity, and governing law survive termination.
We may update these terms. The date at the top reflects the current version, and material changes affecting active engagements will be communicated directly. Continued use of the site or the services after an update means you accept it.
Joapo Group LLC, DBA Avanza · San Francisco Bay Area, California · [email protected]
Scope, fees, and what we would actually own — walked through in fifteen minutes.