Terms of Service

1. Acceptance of Terms

By accessing or using our Services, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms. If you are using our Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

If you do not agree to these Terms, you must not access or use our Services.

2. No Financial Advice

All content provided through our Services—including but not limited to market data, news, analysis, charts, economic indicators, and community discussions—is for informational and educational purposes only.

• Nothing on our platform constitutes financial, investment, legal, tax, or professional advice.
• We are not registered investment advisers, brokers, or financial planners.
• You should not make any financial decisions based solely on information from our Services.
• Always conduct your own research and consult with qualified professionals before making investment decisions.
• We are not liable for any financial losses or damages arising from your use of our Services or reliance on any content provided.

3. Account Registration

To access certain features of our Services, you may need to create an account. When you do:

• You must provide accurate, complete, and current information.
• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activities that occur under your account.
• You must notify us immediately of any unauthorized access or security breach.
• We reserve the right to suspend or terminate accounts that violate these Terms.

4. Subscription and Payments

Our Services may include paid subscription plans. By subscribing:

• You authorize us to charge your payment method on a recurring basis.
• Subscription fees are billed in advance on a monthly, quarterly, or annual basis.
• All payments are processed securely through Stripe.
• Prices may change with reasonable notice; continued use constitutes acceptance.
• Refunds are handled on a case-by-case basis at our discretion.

5. Cancellation Policy

You may cancel your subscription at any time through your account settings. Upon cancellation:

• You will retain access until the end of your current billing period.
• No prorated refunds will be provided for partial billing periods.
• You will lose access to premium features when your subscription ends.
• You may resubscribe at any time at the then-current rates.

6. User Conduct

When using our Services, you agree NOT to:

• Violate any applicable laws or regulations.
• Harass, abuse, threaten, or intimidate other users.
• Share harmful, illegal, defamatory, or malicious content.
• Impersonate any person or entity, including our staff.
• Distribute spam, unsolicited advertising, or promotional material.
• Attempt to gain unauthorized access to our systems or other users' accounts.
• Use automated scripts, bots, or scrapers without permission.
• Interfere with or disrupt the integrity of our Services.
• Share your account credentials or access with others.
• Redistribute, resell, or commercially exploit our content without authorization.

We reserve the right to remove content and suspend or terminate accounts that violate these rules, without prior notice and without refund.

7. Intellectual Property

All content, features, and functionality of our Services—including but not limited to text, graphics, logos, icons, images, software, and data compilations—are owned by Cognito or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Your Content: You retain ownership of content you submit to our Services. By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute your content as necessary to operate our Services.

Third-Party Content: Our Services may display content from third-party sources. We do not claim ownership of such content and it remains the property of its respective owners.

8. Third-Party Data and News

Market data, news headlines, and financial information displayed on our platform may be sourced from third-party providers. Regarding such content:

• We do not guarantee the accuracy, completeness, or timeliness of third-party data.
• All copyrights and trademarks remain with their respective owners.
• We display headlines and summaries only; we do not reproduce full articles.
• Data may be delayed and should not be used for real-time trading decisions.
• We are not affiliated with or endorsed by any data providers or news organizations.

9. Disclaimer of Warranties

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COGNITO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or data.
• Financial losses from trading or investment decisions.
• Business interruption.
• Any damages arising from your use of or inability to use our Services.

Our total liability shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Cognito and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of our Services, violation of these Terms, or infringement of any rights of another party.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of our Services after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Termination

We may suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Upon termination, your right to use our Services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

16. Contact Us

If you have any questions about these Terms, please contact us through our Discord community.