Terms of Service

Last updated: August 22, 2026

1. Who this agreement is with

ONE CLICK P&L (the "Service") is operated by SW Accounting & Consulting Corp (doing business as SWCPALAB), 3785 Wilshire Blvd, Los Angeles, CA 90010, United States ("we", "us"). These terms are the agreement between you and us. Reach us at support@swcpalab.com.

To use the Service you must be at least 18 years old and located in the United States. If you use it for a business, you confirm you are authorized to bind that business, and "you" means both you and that business. The Service is not directed to children and we do not knowingly collect information from anyone under 18.

2. What this service is

The Service converts the bank statements you upload (PDF, CSV, Excel, or photos/scans, across one or more bank accounts) into draft financial reports. The Service produces automated estimates.

3. Not accounting, tax, or legal advice

Reports are drafts generated by software, derived only from the bank statements you upload. They are not GAAP financial statements, not bookkeeping, and not accounting, tax, investment, or legal advice. Always review outputs with a licensed professional before relying on them.

We say who operates the Service in section 1, and that operator is affiliated with a licensed California CPA firm. That affiliation does not make them your accountant. Using the Service creates no accountant-client relationship, engages nobody to audit, review or compile anything for you, and is not the performance of professional accounting services on your behalf. Engaging the firm is a separate agreement you would enter separately.

4. Your content

You keep ownership of the statements you upload and must have the right to upload them. You grant us a non-exclusive, worldwide, royalty-free license to host, copy, process and display your statements in order to (a) produce and re-open your reports, and (b) improve the accuracy of the Service using de-identified data as described in our Privacy Policy. The license ends when you delete the content or your account, except for de-identified data that no longer identifies you or your business. Anonymous reports are accessible to anyone who has the report link — share links carefully, or create an account to attach reports to your login.

5. Accuracy

Automated extraction and categorization can be wrong or incomplete. You are responsible for reviewing every transaction and the resulting reports. The Service is provided "as is" without warranties of any kind.

To the maximum extent permitted by law, our total liability is limited to the greater of (a) the amount you paid for the Service in the 12 months before the claim and (b) US$100. Neither of us is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or goodwill, even if told such damages were possible. Some states do not allow some of these exclusions or limitations, so parts of this section may not apply to you.

6. Payments

Paid features are billed through Stripe. Work is charged per statement-month (one bank account, one calendar month) as your statements are processed, at the price shown before you pay. Your first statement-month is free. Until you have paid for anything, that free month is one per account. After your first payment, the first statement-month of each new business is free as well, up to a total of three free months per account. A statement that fails to process, or that falls outside the period you chose, is not charged — any hold taken for it is released back to your balance. Credits spent on delivered work are non-refundable, except where required by law. Credits do not expire. If we stop offering the Service, we will refund any credits you have not used.

7. Acceptable use

Don't upload documents you have no right to process, attempt to breach other users' data, or abuse the Service (rate limits apply). We may suspend accounts that do.

You will defend and indemnify us against any third-party claim, and any resulting loss, arising from documents you uploaded without the right to do so, or from your use of the Service in breach of these terms. We will tell you about any such claim, and may take part in the defense with our own counsel at our own expense.

8. Changes and contact

We may update these terms; material changes will be posted here. Questions go to support@swcpalab.com or the address in section 1 — Contact has both.

9. Governing law and disputes

These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Before filing anything, contact us at support@swcpalab.com and give us 30 days to put it right. If we cannot, any dispute will be brought only in the state or federal courts in Los Angeles County, California, and each of us consents to that jurisdiction. Nothing here stops either of us bringing an individual claim in small-claims court.

Arbitration, and how to opt out.If we cannot resolve a dispute within those 30 days, you and we agree to settle it by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. Arbitration will take place in the county where you live, or by phone or video if you prefer, and for claims under US$10,000 we will pay the filing and arbitrator's fees. Either of us may still bring an individual claim in small-claims court.

Claims are brought only on an individual basis. Neither of us may bring a class, collective or representative action, and an arbitrator may not hear one. If that sentence is unenforceable for a particular claim, then that claim alone leaves arbitration and is decided by the courts named above, and the rest of this section still applies.

You can opt out of arbitration. Email support@swcpalab.com with the subject "arbitration opt-out" within 30 days of first accepting these terms. That is all it takes — you keep every other right under this agreement, and we will not treat you differently for it. If you opt out, disputes go to the courts named above.

10. Ending your account

You can close your account at any time in Settings → Delete account, which removes your files, extracted data and reports. We may suspend or close an account that breaches section 7. If we close your account for any other reason, or stop offering the Service, we will give you at least 30 days' notice where we can, you keep access to download your existing reports during that time, and we will refund credits you have not used. Sections 3, 4, 5, 7 and 9 survive the end of this agreement.

11. General

If any part of these terms is unenforceable, the rest stays in force. These terms, with the Privacy Policy, are the entire agreement between us about the Service and replace anything said earlier. If we do not enforce something, we have not given it up. You may not transfer this agreement without our consent; we may transfer it to a successor in a merger, acquisition or sale of assets. Neither of us is responsible for delays caused by events outside our reasonable control. You agree we may send you notices, and anything else this agreement requires in writing, by email to the address on your account or by posting it in the Service.