Terms of Service & End User License Agreement
Effective Date: [INSERT DATE, e.g., June 1, 2026] Last Updated: [INSERT DATE]
These Terms of Service (“Terms”) form a binding agreement between you (“you” or “User”) and [YOUR LEGAL NAME / COMPANY NAME] (“Cogent,” “we,” “us,” or “our”) governing your access to and use of the Cogent mobile application and related services (the “Service”).
By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 13 years old (or 16 in the EEA/UK) to use the Service. If you are under the age of majority in your jurisdiction, you must have permission from a parent or legal guardian. By using the Service, you represent that you meet these requirements.
2. Your Account
- You are responsible for maintaining the confidentiality of your login credentials.
- You agree to provide accurate information and keep it current.
- You are responsible for all activity that occurs under your account.
- Notify us at [YOUR SUPPORT EMAIL] immediately if you suspect unauthorized access.
We reserve the right to suspend or terminate accounts that violate these Terms.
3. License Grant
Subject to your compliance with these Terms, Cogent grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Service for your personal, non-commercial use on a device that you own or control.
You may not:
- copy, modify, distribute, sell, lease, or sublicense any part of the Service;
- reverse-engineer, decompile, or attempt to derive source code;
- use the Service to build a competing product or train a machine-learning model;
- use any automated means (bots, scrapers, etc.) to access the Service;
- circumvent rate limits, paywalls, or security measures;
- use the Service in violation of any applicable law.
4. Subscriptions, Billing, and Auto-Renewal
4.1 Plans
Cogent offers subscription plans (“Cogent Pro”) sold through the Apple App Store and Google Play Store. Current pricing, trial duration, and features are shown in the App at the time of purchase.
4.2 Free Trial
If a free trial is offered, the trial begins on the date your subscription is activated. You will be charged the full subscription price at the end of the trial unless you cancel at least 24 hours before the trial ends.
4.3 Auto-Renewal
Subscriptions automatically renew at the end of each billing period (monthly or annual) at the then-current price unless you cancel at least 24 hours before the renewal date.
- Your payment method (managed by Apple or Google) will be charged automatically.
- You can manage or cancel your subscription at any time via your Apple ID or Google Play account settings.
- Deleting the App does not cancel your subscription.
4.4 Refunds
All purchases are processed by Apple or Google. Refund requests must be directed to Apple or Google, subject to their respective refund policies:
- Apple: https://support.apple.com/HT204084
- Google: https://support.google.com/googleplay/answer/2479637
We do not issue refunds directly except where required by applicable law.
4.5 Price Changes
We may change subscription prices. Any change will take effect at the start of your next billing cycle and will be communicated to you in advance through the App or via email.
5. Acceptable Use
You agree not to use the Service to:
- submit content that is illegal, threatening, harassing, defamatory, or infringing;
- impersonate another person or misrepresent your affiliation;
- attempt to extract data about other users;
- use the AI features to generate content that violates the acceptable-use policies of our underlying AI providers (Anthropic, Google, Deepgram), including but not limited to: generating CSAM, instructions for violence, malware, or content that facilitates real-world harm;
- interfere with the operation of the Service or attempt to gain unauthorized access.
We may remove content and suspend accounts that violate this section, with or without notice.
6. AI-Generated Content — Important Disclaimers
Cogent uses large-language-model (“LLM”) technology from third parties (Anthropic Claude, Google Gemini) to provide coaching dialogue. You acknowledge and agree that:
- AI output may be inaccurate, incomplete, biased, or misleading. Cogent’s responses are not a substitute for advice from a licensed professional.
- Cogent is not a medical, mental-health, legal, financial, or professional advice service. If you are experiencing a mental-health crisis, contact emergency services or a qualified professional immediately.
- You are solely responsible for the decisions you make, whether or not you used Cogent in the decision process.
- Do not enter sensitive personal information into the Service (see our Privacy Policy).
- We do not guarantee any particular outcome from using the Service.
7. Your Content
You retain all rights to the decisions, brain dumps, chat messages, and other content you submit (“User Content”).
By submitting User Content, you grant Cogent a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display your User Content solely to operate the Service for you. This license ends when you delete the content or your account, except that we may retain backup copies for a reasonable period and as required by law.
We will not use your User Content to train any machine-learning model without your explicit opt-in.
8. Intellectual Property
The Service, including all software, designs, text, graphics, and logos, is owned by Cogent or its licensors and is protected by copyright, trademark, and other intellectual-property laws. These Terms do not grant you any rights to our trademarks or branding.
9. Third-Party Services
The Service integrates with third-party services, including but not limited to Apple, Google, Firebase, RevenueCat, Railway, Anthropic, and Deepgram. Your use of those services is governed by their respective terms. We are not responsible for third-party services.
10. Termination
You may stop using the Service and delete your account at any time via Profile → Delete Account in the App or by emailing [YOUR SUPPORT EMAIL].
We may suspend or terminate your access to the Service, with or without notice, if you violate these Terms, if required by law, or if continued provision of the Service to you becomes commercially impracticable. Sections that by their nature should survive termination (including disclaimers, limitations of liability, indemnification, and dispute resolution) will survive.
11. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation. To the maximum extent permitted by law, we disclaim all such warranties.
We do not warrant that the Service will meet your requirements, be uninterrupted, secure, or error-free, or that AI-generated content will be accurate or reliable.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, in no event will Cogent, its officers, employees, affiliates, agents, or licensors be liable for:
- any indirect, incidental, special, consequential, exemplary, or punitive damages;
- loss of profits, revenue, data, business opportunity, or goodwill;
- damages arising from your reliance on AI-generated content or decisions made through the Service;
even if advised of the possibility of such damages.
Our aggregate liability for any claim arising out of or related to these Terms or the Service will not exceed the greater of (a) the amount you paid us in the 12 months preceding the claim, or (b) USD $50.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for consequential damages; in those jurisdictions, our liability is limited to the greatest extent permitted by law.
13. Indemnification
You agree to indemnify and hold harmless Cogent and its officers, employees, and affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of (a) your use of the Service, (b) your violation of these Terms, (c) your User Content, or (d) your violation of any third-party right.
14. Governing Law and Dispute Resolution
These Terms are governed by the laws of [YOUR JURISDICTION — e.g., the State of Delaware, USA / England and Wales / your country], without regard to its conflict-of-laws principles.
Any dispute arising out of or relating to these Terms or the Service will be resolved in the courts of competent jurisdiction located in [YOUR CITY / COUNTY / JURISDICTION], and you consent to the personal jurisdiction of such courts.
For EU/UK consumers: Nothing in these Terms deprives you of the protection of mandatory consumer-protection laws of your country of residence.
15. Apple App Store Additional Terms
If you downloaded the App from the Apple App Store, the following additional terms apply, and Apple’s Standard EULA (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/) is incorporated by reference:
- These Terms are between you and Cogent, not Apple. Apple is not responsible for the Service or its content.
- Apple has no obligation to provide maintenance or support for the App.
- In the event of a failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price; Apple has no other warranty obligation.
- Apple is not responsible for addressing any claims by you or any third party relating to the App.
- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
16. Google Play Additional Terms
If you downloaded the App from Google Play, your use is also subject to the Google Play Terms of Service. To the extent of any conflict between these Terms and the Google Play Terms with respect to your use of the App, these Terms govern.
17. Changes to These Terms
We may modify these Terms from time to time. Material changes will be communicated through the App or via email at least 7 days before they take effect. Continued use of the Service after the effective date constitutes acceptance.
18. Miscellaneous
- Entire Agreement. These Terms and the Privacy Policy constitute the entire agreement between you and Cogent regarding the Service.
- Severability. If any provision is held unenforceable, the remaining provisions will remain in effect.
- No Waiver. Our failure to enforce any right is not a waiver of that right.
- Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
- Notices. We may give notices via in-app message or email to the address associated with your account.
19. Contact
Email: [YOUR SUPPORT EMAIL] Postal: [YOUR BUSINESS ADDRESS]
These Terms are provided as a starting template. They are not legal advice. Consider having them reviewed by a licensed attorney before publishing, especially before a global launch.