By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you use the Service on behalf of a company, you represent that you are authorized to bind that company.

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) and able to form a binding contract to use the Service.

2. The Service

Cogently provides AI-assisted pitch-deck auditing, an investor "boardroom" simulator, rewriting and coaching tools, team collaboration, and optional exports. Features and availability may change over time.

3. Accounts & Security

You are responsible for your account credentials and for all activity under your account. Manage team access only through the built-in Team Collaboration Hub; do not share passwords. Notify us promptly of any unauthorized use.

4. Plans, Billing & Refunds

• Charges: paid plans and add-ons are billed through Stripe at the prices shown at checkout, plus applicable taxes.
• Subscriptions auto-renew: subscription plans (and per-seat licenses) renew automatically each billing period until cancelled. You can cancel anytime; cancellation takes effect at the end of the current period.
• One-time purchases (e.g., a single-deck pass) grant the stated access and do not auto-renew.
• Refunds: except where required by law, payments are non-refundable.
• Changes: we may change prices with prior notice; changes apply to the next billing period.

5. Your Content & License

You retain all ownership, copyright, and other rights in the pitch decks, text, and materials you submit ("Your Content"). You grant us a limited, non-exclusive license to host, process, and transmit Your Content solely to operate and provide the Service to you (including sending it to the sub-processors described in our Privacy Policy). You represent that you have the rights to submit Your Content and that it does not infringe others' rights.

6. Our Intellectual Property

The Service, including its software, design, and trademarks, is owned by us and our licensors. We grant you a limited, revocable, non-transferable license to use the Service per these Terms. You may not copy, resell, or create derivative works of the Service itself.

7. Acceptable Use

You agree not to:

• Upload malware, or files or content that are unlawful, infringing, or that you lack rights to submit.
• Attempt to disrupt, overload, reverse-engineer, scrape, or gain unauthorized access to the Service or other users' data.
• Circumvent usage limits, authentication, or billing, or impersonate another user or team.
• Use the Service to violate any applicable law.

8. No Financial or Professional Advice

Cogently's scores, critiques, investor-persona responses, and recommendations are AI-generated simulations for preparatory purposes only. They are not financial, investment, accounting, legal, or tax advice, and we make no guarantee that you will raise capital or close any round. You are solely responsible for decisions you make using the Service.

9. Third-Party Services

The Service integrates third-party services (e.g., Google, Stripe, Resend, Gamma). Your use of those integrations may be subject to their terms, and we are not responsible for third-party services.

10. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation, to the maximum extent permitted by law.

11. Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or lost profits, funding, data, or goodwill. Our total aggregate liability arising out of or relating to the Service will not exceed the greater of the amount you paid us in the 12 months before the claim or USD $100.

12. Indemnification

You agree to indemnify and hold us harmless from claims and expenses arising out of Your Content, your use of the Service, or your violation of these Terms or applicable law.

13. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you violate these Terms or to protect the Service. Sections that by their nature should survive termination (e.g., intellectual property, disclaimers, limitation of liability, indemnity) will survive.

14. Governing Law & Disputes

These Terms are governed by the laws of the State of Nevada, USA, without regard to conflict-of-law rules. You agree that any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in Clark County, Nevada, and you consent to their jurisdiction.

15. Changes to These Terms

We may update these Terms; we will post the updated version here and revise the effective date, and provide additional notice for material changes where required. Continued use after changes take effect means you accept them.

16. Miscellaneous & Contact

If any provision is unenforceable, the rest remains in effect. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale. Questions: legal@cogently.app.