Refund Policy

Last updated: October 6, 2026

This policy explains when we give refunds for our subscription plans and projects. Our services are custom work done for you, so refunds are limited. Please read this before you pay.

• You can ask for a refund within 7 days of your first payment, if we have not delivered any work yet. The refund does not include Stripe's processing fee or AI usage.
• After 7 days, we do not give refunds.
• Once work has been delivered, we do not give refunds, even inside the first 7 days.

We make our work to order. We plan, build and write it for your business, and the AI usage it needs is paid for as the work runs. Once work is delivered, you have it and we cannot take it back. That is why we cannot refund delivered work.

The 7 days start when your first payment goes through. If you ask for a refund within that time and we have not delivered any work, we will refund that payment, less two things: the processing fee that Stripe charged us on it, and any AI usage. Stripe does not return its fee when we refund, and AI usage is billed at cost. Both are explained below.

Work is delivered when we send you a finished result or a draft for review, or make it available to you in your workspace. Examples are a completed request, a draft for approval, a page or website, a workflow or assistant, and a report.

Work counts as delivered even if you have not opened it, used it or approved it, and even if you later decide you do not want it.

• Any payment made after the first 7 days, including each monthly renewal. To avoid a renewal charge, cancel at least one day before your renewal date. If you cancel less than one day before a renewal, or after it, that payment is not refunded.
• Any payment, in the first 7 days or later, once work has been delivered.
• AI model and tool usage. It is billed at cost because we pay the AI providers when the work runs.
• The processing fee that Stripe charged us on a payment. Stripe does not return it when we refund.
• The unused part of a month after you cancel.

You can cancel at any time, as explained in our Terms of Use. Cancelling stops future charges, and your plan stays active until the end of the period you have paid for. Your renewal date is the same day each month as the day of your first payment. To avoid the next payment, cancel at least one day before that date. Cancelling does not refund payments you have already made, except as described above.

Email hello@cognitivvai.com within 7 days of your first payment. Please write from the email address on your account, and include your name and your company. We will reply by email.

If we approve a refund, we send it back to the payment method you used, through Stripe. Your bank may take several business days to show it. We cannot refund to a different card or account.

If you think a charge is wrong, please email us before you dispute it with your bank. We will look into it promptly. If you dispute a charge without contacting us first, we may pause your access while we look into it.

We may make an exception to this policy at our discretion, for example when we have made a mistake. An exception is a one-off. It does not change this policy, and it does not give anyone else a right to the same exception.

If you buy a project under a separate written agreement, that agreement may have its own refund terms. If it does, it wins over this policy.

Nothing in this policy limits any rights you have under the law that cannot be waived.

We may change this policy. A change applies to payments made after the date at the top of this page.

Questions about this policy? Email hello@cognitivvai.com, or write to Cognitivv Inc, 169 Madison Ave STE 63755, New York, NY 10016.