Reconciled to the penny, or your money back
That line is on our front page. This page is the fine print, and the point of it is that there isn't much: the guarantee is a mechanical check with a binary outcome, not a promise with wiggle room.
What we check, exactly
Every statement you upload prints two numbers we treat as ground truth: the beginning balance and the ending balance. Before any report is delivered, software adds every transaction we extracted to the beginning balance and compares the result to the printed ending balance. The two must match to the penny. Not approximately, not within a tolerance: exactly. This runs per statement, on every statement in your order.
What happens when a statement proves out
Your report ships with the arithmetic shown. The review screen displays each statement's beginning balance, money in, money out, and ending balance, so you can see the proof rather than take our word for it. The delivered report states its reconciliation status in its notes, which matters to the lenders and tax preparers you hand it to.
What happens when one doesn't
If any statement cannot be reconciled, we do not quietly deliver a report with a hole in it. Processing stops, we tell you which statement failed and by how much, and you choose: fix the source (a fresh download from your bank usually resolves it) and we run again at no charge, or take a full refund of everything you paid. Refunds are issued to the original payment method, automatically for failed orders. There is no form to fill out and no case to argue.
What this guarantee does not cover
Honesty requires edges. The guarantee proves that every transaction on your statements is captured and that the math foots. It cannot prove the correctness of a category judgment (that is what your two-minute review is for, and you can revise categories for 48 hours after delivery), and it cannot see activity on accounts you didn't upload. The report is a management-use document prepared from the statements you provide; it is not an audit and not tax advice.
Why we can afford to offer this
Most tools in this category guess and let you find the errors. RapidPnL was built the other way around: the reconciliation check is the product. A statement that doesn't prove out never becomes a deliverable, so refunding the rare failure costs us far less than a wrong report would cost you. The incentive points the right way, which is the only kind of guarantee worth printing.
Questions about a specific order? Email support@rapidpnl.com and a human answers. How your documents are handled is covered on the security page; the legal version lives in the Terms.