Terms of Use

Last updated: October 6, 2026

These terms explain the rules for using cognitivvai.com, including our blog, and the Cognitivv AI workspace app (together, "the service"). By using the service or creating an account, you agree to them. If you do not agree, please do not use the service.

This website and the app are run by Cognitivv Inc, 169 Madison Ave STE 63755, New York, NY 10016 ("Cognitivv AI", "we", "us"). You can reach us at hello@cognitivvai.com.

These terms cover the website and the workspace app, including your subscription. Larger projects, such as a website sprint, a workflow build or a custom website and app, are sold under a separate written agreement. If that agreement and these terms disagree, the written agreement wins.

Prices and descriptions on the public pages are for information, and they can change. A subscription starts when you sign up in the app and your first payment goes through. A project starts when we both agree to it in writing.

How we handle personal information is explained in our Privacy Policy.

The app is for businesses. The person who creates an account says they have the authority to accept these terms for their business. In these terms, "you" means that business.

• Give accurate details. Keep your name, email address and billing details up to date.
• Keep sign-in details safe. You are responsible for everything done with your account, including by teammates you invite. Tell us right away at hello@cognitivvai.com if you think someone got in without permission.
• Invite only the right people. Only add people who work for or with your business. Each workspace is private to your business.
• Do not transfer your account. You may not give or sell your account to anyone else without our written permission.

"Your content" means the requests, files, comments and other material you and your team add to your workspace.

• You keep ownership of your content. You give us the right to store it, process it and use it to provide the service to you. That includes sending it to the AI model providers we use to do your work.
• You are responsible for it. You promise you have the right to share it with us, and that it does not break the law or anyone else's rights. If it includes personal information about your own customers or staff, please read the Privacy Policy section on information in your workspace.
• Finished work. Ownership of the finished work passes to you when we have been paid in full. If the law ever makes us the owner of any part of it, we assign that part to you at that point. If a payment is later reversed or charged back, ownership goes back to us until it is paid again.
• Our tools inside the finished work. We keep ownership of our own tools, templates and know-how, even when they are part of the finished work. Once you have paid, you have a non-exclusive right, with no end date, to use them as part of that work for your own business.
• Third-party materials. Some work may use things that need their own licence, such as fonts, stock images, plugins or the terms of an AI tool. If so, we will tell you in writing, with enough detail for you to buy the licence. After that, you are responsible for getting and keeping those licences. A licence that we hold for ourselves does not pass to you unless we say so in writing.
• Showing our work. We do not name you, show your logo, or show your work in public without your written permission. We may describe our work in general terms without naming you.
• You approve what goes out. Work meant for your customers only goes out after a person at your business approves it. Please read it first. You are responsible for what you approve and send.

If you give us ideas or suggestions about how to improve the service, we can use them without asking permission or paying you. This does not apply to your content, which stays yours.

Much of the work is produced or helped by AI. AI can be wrong, can leave things out, and can produce text that is similar to what it gives other people. Please check the work before you rely on it. The approval step helps you catch mistakes, but it does not replace your own judgment. The work is not legal, financial or other professional advice.

• Plans. Plans and prices are shown on the site and when you sign up. Prices are in US dollars. Plans are month to month, with no long-term contract.
• Paying through Stripe. We take payments through Stripe. By subscribing, you allow us and Stripe to charge your payment method each month until you cancel. We never see or store your full card number. Stripe's own terms apply to its payment services.
• When you are billed. Your plan is billed monthly, in advance, on the day you subscribe and on the same day each month after that.
• AI usage. AI model and tool usage is billed at cost, on top of your plan price.
• Taxes. Prices do not include sales tax, VAT or similar taxes. Where the law requires us to charge them, we add them.
• Failed payments. If a payment fails, we will tell you and may try the payment again. If it is still unpaid after 7 days, we may pause or end your access.
• Price changes. We may change prices for future billing periods. We will email you at least 30 days before a change takes effect, and you can cancel before it does.
• Refunds. Refunds are limited to the first 7 days and only before work is delivered, and they do not include Stripe's processing fee or AI usage. See our Refund Policy.
• Disputed charges. If you think a charge is wrong, please email us first. If you dispute a charge with your bank without contacting us, or you abuse the refund process, we may pause or end your access and refuse further refunds.

You can cancel at any time, in the app or by emailing hello@cognitivvai.com. Your renewal date is the same day each month as the day you first subscribed.

To avoid the next monthly payment, cancel at least one day before your renewal date. Cancelling stops future charges, and your plan stays active until the end of the period you have paid for. If you cancel less than one day before a renewal, or after it, that payment is not refunded. See our Refund Policy.

Please use the service in a fair and lawful way. You agree not to:

• break the law or help anyone else to,
• try to get into parts of the service or our systems that are not meant for you, including other clients' workspaces and the admin area,
• send malware, or try to disrupt or overload the service,
• use the service to create content that is unlawful, deceptive, harmful or that infringes someone else's rights,
• copy, change or reverse engineer the app, or build something new from it, except where the law lets you,
• get around or switch off any security or access control,
• collect data from the service to build a database or directory,
• use the service to build a product that competes with it,
• harass or threaten our staff or other users,
• use automated tools to copy large parts of the site,
• sell the service, or give access to it to people outside your business, or
• pretend to be someone else.

We run the service from the United States. If you use it from another country, you are responsible for following the laws there.

You can comment on articles. When you do:

• You are responsible for what you write. Please do not post anything unlawful, abusive, threatening, deceptive, or spam, and do not post other people's private information.
• We review comments first. A comment only appears after we approve it. We can approve, reject or remove any comment at any time, for any reason. We do not endorse what commenters say.
• You keep ownership of your comment. By posting it, you give us a free, non-exclusive right to store, show, and moderate it on this site for as long as it stays online.
• Comments are plain text. Links in comments are not made clickable, and a comment with too many links may be rejected.

The text, images, code, logos and design on this site, and the app and the way it works, belong to Cognitivv Inc or the people who license them to us. While your subscription is active, we give your business a limited right to use the app for its own work. You may read the site, share links to it, and quote short excerpts if you credit us and link back. Please ask us before you copy more than that or use our content in a product or a course.

The articles are general information. They are not legal, financial or other professional advice. Please get advice that fits your situation before you act on what you read.

The site links to other websites and embeds some videos. The service also relies on other companies, such as Stripe and AI model providers. We do not control them and we are not responsible for them. Their own terms and privacy policies apply to what they do.

We work to keep the service accurate and available, but we provide it "as is" and "as available". To the fullest extent the law allows, we do not promise that it will be error-free, always available, or free of harmful components. We also make no promise that the content or the AI-generated work is accurate or complete.

To the fullest extent the law allows, we are not responsible for indirect, incidental, special or consequential losses that come from using the service. Examples are lost profits, lost data or lost business. Our total responsibility to you for any claim about the service is limited to the fees you paid us in the 12 months before the claim.

Nothing in these terms limits any responsibility that the law does not allow us to limit, including for fraud, or for death or personal injury caused by negligence. If the law of the place where you live gives you rights that cannot be waived, those rights stay.

To the extent the law allows, you agree to cover our reasonable losses, costs and legal fees if someone makes a claim against us because of your content, because you broke these terms, or because you broke the law or someone else's rights. We will tell you about the claim. We may take over its defence at our own cost, and you agree to help us.

We can pause or end access to the service, or to its comments, for anyone who breaks these terms, misuses the service, or does not pay. Ending your subscription, or these terms, does not cancel any payment you already owe us for work we have delivered. When your subscription ends, your team loses access to the app. We keep your workspace for 30 days after it ends. During that time you can email us for a copy of your content. After that, we delete it.

By using the service or emailing us, you agree that we can send you notices, agreements and other messages electronically, by email or on the site. They count as written notices for any legal rule that says something must be in writing. You also agree to sign agreements, orders and other records with us electronically, and that an electronic signature counts as a signature on paper.

We may change the service or these terms. When we change the terms, we will update the date at the top of this page. If a change is important, we will email the account holder at least 30 days before it takes effect. If you keep using the service after that, you accept the new terms.

These terms are governed by New York law. Any dispute about them will be handled in the state and federal courts located in New York County, New York, unless the law where you live says otherwise. Subject to that, you agree to those courts' authority over you, and you give up any objection that they are an inconvenient place to hear the dispute. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these terms.

If a court finds that one part of these terms cannot be enforced, the rest still applies.

If we do not enforce a right under these terms right away, we have not given it up.

These terms, our Privacy Policy, our Refund Policy and any written agreement we sign with you are the whole agreement between you and us about the service. They replace anything we said or wrote before. Nothing in them makes you and us partners, joint venturers, employer and employee, or agents of each other.

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