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Last Updated: March 2026
Please read these Terms carefully before using any of our apps or services. They explain your rights and obligations and include important disclaimers and limitations of liability.
These Terms and Conditions ("Terms") form a legally binding agreement between you and Cognaris Ltd ("Cognaris", "we", "us", or "our") governing your access to and use of our AI-powered subscription apps, e-learning platforms, and associated services.
Our apps and services include:
By creating an account, paying for a subscription, or otherwise using our apps, you agree to comply with and be bound by these Terms. If you do not agree, you must not use our services.
3.1 You must be at least 18 years old and able to enter into legally binding contracts under the laws of England and Wales.
3.2 You must provide accurate and complete information during registration and keep it updated.
3.3 You are responsible for maintaining the confidentiality of your login credentials and for all activity under your Account.
3.4 You must notify us immediately if you suspect unauthorised access to your Account.
4.1 All subscription fees are payable in advance via Stripe (or other payment processors we may use) and are stated exclusive of VAT unless otherwise noted. VAT will be applied where required by law.
4.2 Subscriptions automatically renew at the end of each billing period unless cancelled in accordance with section 10.
4.3 Refund Policy: We offer a 7-day refund policy on your first paid subscription activation (the date your first payment is processed). Requests must be made in writing within 7 days of your first paid subscription activation.
4.4 There are no partial refunds for cancellations during a billing period, whether monthly or annual. Your access will continue until the end of the current billing period.
4.5 Free trials (where offered) will convert to paid subscriptions unless cancelled before the trial ends.
4.6 Consumers in the UK have a statutory 14-day cooling-off right from the start of the contract; however, if you access our apps during this period, you agree to pay for the portion of the service provided before cancellation.
4.7 We may change subscription fees with at least 30 days' notice before your next billing cycle.
4.8 Chargebacks & Disputes: Unauthorised chargebacks or payment reversals may lead to suspension of your Account. Please contact us first to resolve billing issues before raising disputes through your payment provider.
4.9 Promotional Pricing: Discounts or promotional offers apply only for the stated duration and renew automatically at the then-current standard rate unless otherwise specified.
4.10 Consumer Rights: Nothing in these Terms affects your statutory rights as a consumer under applicable law. Where required, refunds will be processed according to consumer protection regulations in your jurisdiction.
You agree not to:
We may use anonymised and aggregated usage data to improve system performance, detect abuse, or enhance product features. Personal data and private content are not used for model training without your explicit consent. Aggregated or anonymised data will never be sold to third parties for marketing purposes.
We may impose reasonable usage limits (e.g., number of queries per day or data storage caps) to ensure system stability and fair access for all users.
6.1 All rights, title, and interest in our apps, their content, design, and underlying technology remain the exclusive property of Cognaris or its licensors.
6.2 You retain ownership of your User Content but grant us a worldwide, non-exclusive, royalty-free licence to store, process, and display it for the purpose of providing the service.
6.3 AI-generated outputs are provided "as is" for informational purposes only. You are solely responsible for verifying their accuracy, suitability, and legality before use.
If you submit feature ideas, bug reports, or other feedback, you grant us a worldwide, royalty-free licence to use such input for product improvement without obligation to you.
7.1 We process personal data in accordance with our Privacy Policy, which forms part of these Terms.
7.2 By using our apps, you consent to the collection and processing of your data as described in the Privacy Policy.
We store data on secure servers located in the UK and/or EEA (and in other jurisdictions with adequate data protection safeguards). We retain your data only for as long as necessary to provide the service or to comply with legal obligations. We do not transfer personal data outside the UK or EEA unless adequate safeguards (such as Standard Contractual Clauses) are in place.
Our apps may interface with third-party platforms (e.g., Stripe for billing, analytics tools, or AI model providers). Their use is subject to their own privacy policies. We are not responsible for data handling by third-party services outside our direct control.
You may request deletion of your personal data by contacting us. Deletion may limit your ability to use our apps.
Certain features use artificial intelligence provided by third-party AI model providers. When you use AI-powered features, the information you submit may be securely transmitted to these providers solely for the purpose of generating responses within our apps. We only share the minimum information necessary to provide AI functionality and do not sell such data. Where required by applicable data protection law, your consent to this processing will be requested within the app before you first use AI-powered features.
8.1 Our apps are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
8.2 We do not warrant that:
8.3 All advice, guidance, or information provided by the AI or in masterclass content is general in nature and not professional, financial, legal, or tax advice. You use such content entirely at your own discretion and risk.
We may add, remove, or modify features to improve our apps or for legal, technical, or operational reasons. Material changes that significantly reduce functionality will be communicated in advance where practicable. We are not liable for any modification, suspension, or discontinuation of any part of our apps, provided such changes do not materially affect your paid access during the current billing period.
9.1 Nothing in these Terms limits or excludes liability for:
9.2 Subject to clause 9.1, our total liability for all claims in any 12-month period is limited to the total subscription fees you paid in that period.
9.3 We are not liable for indirect, incidental, special, or consequential losses, or loss of profits, revenue, or data.
10.1 You may cancel your subscription at any time via your Account settings. Cancellation will take effect at the end of your current billing period.
10.2 We may suspend or terminate your Account immediately if you breach these Terms or fail to pay subscription fees when due.
10.3 Upon termination, your access will cease, but sections relating to intellectual property, disclaimers, limitation of liability, and governing law will survive termination.
11.1 We may amend these Terms from time to time.
11.2 Material changes will be notified at least 14 days in advance via email or in-app notice. Continued use of our apps after the effective date constitutes acceptance of the revised Terms.
12.1 These Terms are governed by and construed in accordance with the laws of England and Wales.
12.2 The courts of England and Wales will have exclusive jurisdiction, except where consumer protections in your country provide otherwise.
If you create or manage multiple accounts (e.g., for clients or team members), you are responsible for ensuring all users comply with these Terms. You may not resell or sublicence access to our apps without our written permission.
We are not liable for delays or failures to perform resulting from events beyond our reasonable control, such as natural disasters, cyberattacks, or government actions.
These Terms, together with the Privacy Policy and any related policies, constitute the entire agreement between you and Cognaris Ltd regarding our apps and services and supersede any prior agreements or representations.
Certain features may be released in beta. Such features are provided as-is and may be modified or removed without notice.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.
If you have questions or concerns about these Terms, please contact us:
Cognaris Ltd
2nd Floor, College House, 17 King Edwards Road, Ruislip, London, HA4 7AE, United Kingdom
Email: [loading]
For legal notices or service of process, please address correspondence to the attention of Legal Department — Cognaris Ltd.
Last Updated: March 2026