Fulfillment Policy

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 At Kapela, we aim to provide our clients with exceptional financial planning and consulting services. We have established the following fulfillment policies to ensure transparency and clarity in our operations. These policies are designed to help you understand the conditions under which refunds, deliveries, returns, and cancellations can be made.

Refund Policy:

At Kapela, we are committed to your satisfaction. We do not currently offer refunds. In the event of a billing error, we will promptly rectify the error and refund any overcharged amounts. Please note that our current accepted form of currency is U.S. dollars. For more information on the refund process, please reach out to service@mykapela.com.

Delivery Policy:

Our services are provided digitally and do not require physical shipment. All communications and deliverables will be made through secure electronic channels or certified mail if requested. For specific deliverable timelines and methods, please speak with a member of our team.

Return Policy:

Given the nature of our services, there is typically no need for product returns. However, if you have any concerns about the quality of our services or wish to discuss a specific issue, please get in touch with our customer support team, and we will work with you to address your concerns promptly.

Cancellation Policy:

At Kapela, we understand circumstances may arise where you choose not to continue using our services. We respect your decision and have the following cancellation policy in place:

• Right to Discontinue Services: You can discontinue services with our company if you are dissatisfied with our services or for any other reason. We value your feedback and encourage you to communicate your concerns with our team.
• Payment for Services Rendered: All services provided up to the date of      discontinuation will be billed and must be paid in full as agreed upon in your service agreement or payment terms. We consider these services as completed and will invoice accordingly.
• Cancellation Notice: To initiate the cancellation process, please contact service@mykapela.com to inform us of your decision. We will guide you through the necessary steps and ensure your service agreement processes your request.

Please note that the specific terms of your service agreement may affect the details of your cancellation, including any associated fees, refunds, or penalties. We encourage you to review your service agreement for any additional information related to the cancellation of your services.

If there are any disputes or uncertainties regarding our fulfillment policies, please contact service@mykapela.com for further assistance.

Kapela is dedicated to providing you with the highest service and support. We believe clear and fair fulfillment policies are essential for building client trust. If you have any questions or require further information about our policies, please do not hesitate to contact us at service@mykapela.com.

 At Kapela, we are committed to creating a respectful, safe, and professional environment for all employees, clients, and stakeholders. This Privacy Policy and Code of Conduct outlines the principles that govern our behavior and the protection of personal and sensitive information within our organization. We expect all members of our community to adhere to these standards to maintain trust and integrity in our operations.

Respect and Professionalism:

All employees, contractors, and affiliates of Kapela must conduct themselves with respect and professionalism in all interactions. This includes treating colleagues, clients, and others with dignity, fairness, and consideration, regardless of race, gender, age, religion, disability, sexual orientation, or any other characteristic.

Commitment to Privacy:

We are committed to protecting the privacy and confidentiality of personal information. This includes ensuring that any personal data collected, processed, or stored by Kapela is handled in accordance with applicable privacy laws and regulations. Employees must safeguard personal information against unauthorized access, disclosure, or misuse.

Confidentiality of Information

Employees must protect the confidentiality of sensitive and proprietary information, including but not limited to client data, business strategies, intellectual property, and internal communications. Information should only be accessed or shared on a need-to-know basis and in compliance with company policies.

Data Protection and Security:

All employees are responsible for maintaining the security of data and information systems. This includes adhering to company policies on data protection, using strong passwords, securing devices, and reporting any suspected breaches or security vulnerabilities immediately.

Ethical Use of Technology:

Employees must use company technology and resources responsibly and ethically. This includes avoiding unauthorized software installations, refraining from accessing inappropriate content, and ensuring that technology is used for legitimate business purposes only. Personal use of company technology should be minimized and comply with company policies.

Integrity in communications:

All communications, whether written, verbal, or digital, should be conducted with honesty and integrity. Employees must avoid spreading false or misleading information, respect confidentiality, and ensure that all communications are professional and appropriate.

Non-Discrimination and Harassment:

Kapela is committed to providing a work environment free from discrimination, harassment, and bullying. Any form of discrimination or harassment based on race, gender, age, religion, disability, sexual orientation, or any other characteristic is strictly prohibited and will not be tolerated.

Conflict of Interest:

Employees must avoid situations where their personal interests could conflict with the interests of Kapela. Any potential conflicts of interest must be disclosed to management, and employees should refrain from making decisions that could be influenced by personal gain.

Reporting and Accountability:

Employees are encouraged and expected to report any violations of this Privacy Policy and Code of Conduct, including breaches of privacy, unethical behavior, or any actions that may harm the company or its stakeholders. Reports should be made in good faith, and Kapela will protect whistleblowers from retaliation.

Compliance with Laws and Regulations:

All employees must comply with applicable laws, regulations, and company policies in the performance of their duties. This includes adhering to data protection laws, labor laws, and any other legal requirements relevant to their role.

Responsibility to the Community:

Employees should be mindful of their impact on the community and the environment. This includes promoting sustainable practices, engaging in community service, and acting as responsible corporate citizens.

Continual Improvement:

Kapela is committed to continual improvement in ethical standards and privacy practices. Employees are encouraged to provide feedback and suggestions on how we can enhance our commitment to privacy and conduct.

Consequences of Code Violations:

Violations of this Privacy Policy and Code of Conduct can result in disciplinary action, including termination of employment. The severity of the discipline will depend on the nature of the violation and the individual’s willingness to cooperate with any investigation.

At Kapela, we believe that ethical behavior and respect for privacy are the foundations of our success and our reputation in the industry.

At Kapela, your security is our top priority. We want you to have complete peace of mind when entrusting us with your financial needs. Here's how we ensure your data and payment information are handled safely:

• PCI Compliance: We are committed to maintaining the highest data security standards. Our payment processing follows the Payment Card Industry Data Security Standard (PCI DSS). This means we meet rigorous security requirements to protect your sensitive payment information, whether using a credit card, Zelle, or other payment methods. To learn more about what PCI compliance means for Stripe (our payment processor), we encourage you to read about integration security on their website.
• Secure Website: Our website, including the payment form, is designed with your security in mind. We utilize HTTPS (Hypertext Transfer Protocol Secure) to encrypt data transmission, ensuring that your information remains confidential during the entire process. Our website also adheres to industry best practices for security so you can have confidence in your online interactions with us.
• Protection Against Card Testing: We are vigilant in protecting your data from unauthorized access. Our payment systems are fortified to safeguard against card testing, a fraudulent practice where cybercriminals attempt to validate stolen card details. Rest assured, we employ proactive measures to thwart such attempts and maintain the integrity of your transactions.
• Safe Handling of Payment Information: Your payment information is handled carefully. We never compromise on the security of your sensitive data. When you do business with us, you can trust that your payment details are securely processed and protected.

We understand that financial transactions involve high trust and are fully dedicated to upholding that trust through robust security measures. Should you have any questions or require further information about our security practices, please don't hesitate to contact service@mykapela.com. Thank you for choosing us as your trusted partner in managing your financial needs.

Thanks for using our services (“Services”). The Services are provided by Kapela, located at 4040 Broadway, Ste 240 San Antonio, TX 78209.

By using our Services, you are agreeing to these terms. Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the http://www.mykapela.com website.

Our Services are very diverse, so sometimes additional terms or product requirements (including age requirements) may apply. Additional terms will be available with the relevant Services, and those additional terms become part of your agreement with us if you use those Services.

Terminology:

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer notice, and any or all Agreements: "Client", "You" and "Your" refer to you, the person accessing this website and accepting the Company's terms and conditions. "The Company", "Ourselves", "We" and "Us" refer to our Company. "Party", "Parties" or "Us" refers to both the Customer and ourselves, or either the Customer or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether through formal meetings of a fixed duration, or by any other means, with the express purpose of meeting the Client's needs in terms of providing the Company's declared services, in accordance with and subject to applicable US laws. Any use of the above terminology or other words in the singular, plural, capital letters and/or plural, and/or these terms, is considered interchangeable and therefore a reference to them. 

Using our Services:

You must follow any policies made available to you within the Services. Don’t misuse our Services. For example, don’t interfere with our Services or try to access them using a method other than the interface and the instructions that we provide. You may use our Services only as permitted by law, including applicable export and re-export control laws and regulations. We may suspend or stop providing our Services to you if you do not comply with our terms or policies or if we are investigating suspected misconduct.

Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access. You may not use content from our Services unless you obtain permission from its owner or are otherwise permitted by law. These terms do not grant you the right to use any branding or logos used in our Services. Don’t remove, obscure, or alter any legal notices displayed in or along with our Services.

In connection with your use of the Services, we may send you service announcements, administrative messages, and other information. You may opt out of some of those communications. Some of our Services are available on mobile devices. Do not use such Services in a way that distracts you and prevents you from obeying traffic or safety laws.

Privacy Statement: 

We are committed to protecting your privacy. Kapela’s privacy policies explain how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that Kapela can use such data in accordance with our privacy policies. Only authorized employees within the company who, in the course of their duties, can access and use information collected from individual customers. 

We are constantly reviewing our systems and data to ensure the best possible service to our customers. Government authorities have created specific offences for unauthorized actions against computer systems and data. We will investigate such actions with a view to bringing legal action and/or civil action for damages against those responsible.

Purchases: 

If you wish to purchase any service made available through the Service ("Purchase"), you may be asked to supply certain information relevant to your Purchase including, without limitation, your personally identifiable information.

Subscriptions: 

Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring basis based on your specific service agreement.

Disclaimer 

Exclusions and Limitations: 

The information contained on this website is provided on an " as is " basis. To the fullest extent permitted by law, this company: 

• excludes all representations and warranties with respect to this website and its      content or that are or may be provided by affiliates or any other third party, including with respect to any inaccuracy or omission in this website and/or the Company's documentation; and 
• excludes any liability for damages arising out of or in connection with your use of      this website. Kapela, and Kapela’s suppliers and distributors, will not be      responsible for lost profits, revenues, or data, financial losses or indirect, special, consequential, exemplary, punitive damages or damage caused to your computer, computer software, systems and programs and data relating thereto or any other direct or indirect, consequential or incidental damages. 

Liability for our Services:

To the extent permitted by law, the total liability of Kapela, and its suppliers and distributors, for any claims under these terms, including for any implied warranties, is limited to the amount you paid us to use the Services.

In all cases, Kapela, and its suppliers and distributors, will not be liable for any loss or damage that is not reasonably foreseeable.

However, this company does not exclude liability for death or personal injury caused by its negligence. The above exclusions and limitations apply only to the extent permitted by law. We recognize that in some countries, you might have legal rights as a consumer. None of your legal rights as a consumer are affected waived by contract.

Business uses of our Services:

If you are using our Services on behalf of a business, that business accepts these terms. It will hold harmless and indemnify Kapela and its affiliates, officers, agents, and employees from any claim, suit or action arising from or related to the use of the Services or violation of these terms, including any liability or expense arising from claims, losses, damages, suits, judgments, litigation costs and attorneys’ fees.

Cancellation Policy:

A minimum of 24 hours' notice of cancellation is required. Such notice may be given, in person, by email, mobile phone, text message and/or fax, or by any other means, and will be accepted subject to written confirmation. We reserve the right to charge a cancellation fee of $100 to cover any administrative costs.

Modifying and Terminating our Services: 

We are constantly changing and improving our Services. We may add or remove functionalities or features, and we may suspend or stop a Service altogether.

The Customer and Kapela have the right to terminate any Service Agreement for any reason whatsoever, including the termination of services already in progress. Kapela may also stop providing Services to you or add or create new limits to our Services at any time.

Refunds Policy:

No refund will be offered when a service is deemed to have commenced and is, for all intents and purposes, in progress. Any amount paid to us that constitutes payment for the provision of unused Services, will be refunded.

Log Files:

We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within this Company on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission. 

Cookies:

Like most interactive websites, this Company’s website uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies. 

Links others website: 

Our Service may contain links to third-party web sites or services that are not owned or controlled by Kapela. 

Kapela has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. The opinions expressed or material appearing on these websites are not necessarily shared or endorsed by us and should not be considered as the publisher of such opinions or material. Please note that we are not responsible for the privacy practices or content of these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these sites. 

You should evaluate the security and reliability of any other site linked to or accessed through this site before disclosing any personal information to them. This company will not accept any liability for any loss or damage, in any manner whatsoever, regardless of the cause, resulting from your disclosure of personal information to third parties. 

You further acknowledge and agree that Kapela shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. 

Links to this website: 

You may not create a link to a page on this website without our prior written consent. If you link to any page on this website, you do so at your own risk and the exclusions and limitations set out above apply to your use of this website. 

Force Majeure:

Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, Political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man-made eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavors to comply with the terms and conditions of any Agreement contained herein. 

Waiver: 

Failure of either Party to insist upon strict performance of any provision of this or any Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

About these Terms:

We reserve the right to modify these terms or any additional terms that apply to a Service to, for example, reflect changes to the law or changes to our Services. You should look at the terms regularly. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. 

We’ll post notice of modifications to these terms on this page. We’ll post notice of modified additional terms in the applicable Service. Changes will not apply retroactively and will become effective no sooner than 30 days after they are posted. However, changes addressing new functions for a Service or changes made for legal reasons will be effective immediately. If you do not agree to the modified terms for a Service, you should discontinue your use of that Service.

If there is a conflict between these terms and the additional terms, the additional terms will control for that conflict.

These terms control the relationship between Kapela and you. They do not create any third-party beneficiary rights.

If you do not comply with these terms, and we don’t act right away, this doesn’t mean that we are giving up any rights that we may have (such as taking action in the future).

If it turns out that a particular term is not enforceable, this will not affect any other terms.

The courts in some states will not apply Texas law to some types of disputes. If you reside in one of those countries, then where Texas law is excluded from applying, your country’s laws will apply to such disputes related to these terms. 

Contact Us: 

If you have any questions about these Terms, please contact us at service@mykapela.com.