Terms of Service and Privacy Policy

Time moves quickly, and opportunity doesn't wait. The world is shifting fast, and those who adapt with skill and vision will lead it. Don't watch it happen. Be the reason it happens.

Welcome to Cognitruz LLC, where your learning journey begins with curiosity, determination, and a shared sense of possibility. We're more than just an online education platform; we're a vibrant, supportive community built for individuals who are passionate about leveling up their skills and transforming their futures. Whether you're looking to pivot careers, deepen your expertise, or simply learn something new for the joy of it, you've come to the right place. Each course and masterclass we offer is designed with care, built by experienced educators and forward-thinking professionals who understand the needs of busy, motivated learners like you.

As you settle into your chosen course or masterclass, we want you to feel at home here. Explore our digital lessons at your own pace during your access period, revisit concepts while your enrollment is active, and enjoy the flexibility of a structure that fits your lifestyle. We believe learning should be engaging, empowering, and enriching, and that's exactly what we strive to provide. You're not just joining a course or masterclass; you're unlocking a structured learning journey with on-demand video lessons designed for progress.

We understand that embarking on any learning experience involves a mix of excitement and questions. That's why we aim to be as transparent and supportive as possible in how we guide you. These Terms of Service and Privacy Policy are simply our way of providing you with clarity and confidence as you begin this important endeavor. We encourage you to read through them carefully, not just because they are essential, but because they help set the tone for a respectful, enriching relationship between you and our learning platform www.cognitruz.com.

So take a deep breath, lean into your goals, and get ready to unlock the potential you've always had. Whether you're here for a single course or a full self-paced masterclass, know that your growth matters to us, to your future, and to the wider world you're preparing to impact. To help you get the most out of your experience with clarity and confidence, the following Terms of Service and Privacy Policy will outline how we work together, and by moving forward, you acknowledge and agree to them.

1. Agreement Overview & Binding Acceptance

1.1. Parties and Binding Nature. This constitutes a legally binding Agreement ("Agreement") between you ("User," "you," "your") and Cognitruz LLC ("Company," "we," "us," "our"). By initiating a purchase, completing the checkout process, accessing, or utilizing any course, masterclass, subscription, trial, digital product, or associated content (collectively, "Services"), you irrevocably agree to be bound by these Terms of Service and our integrated Privacy Policy.

1.2. Definition of "Product". For the purposes of this Agreement, "Product" shall mean any individual Course, Masterclass, Digital Product, Subscription, or other Service offered by the Company and purchased by the User. Each Product is sold as a separate and independent transaction, governed by its own specific terms, pricing, access rules, trial period (where applicable), setup fee (where applicable), and billing cycle, while being collectively subject to this Agreement. References to "Services" in this Agreement shall be interpreted to include all Products individually and collectively, as the context requires.

1.3. Capacity and Age Requirements. If you are not at least 16 years of age or lack the legal capacity to form a binding contract in your jurisdiction, you are expressly prohibited from using our Services. Your continued use constitutes your ongoing acceptance and ratification of these Terms.

1.4. Authoritative Version. The authoritative version of this Agreement is the English language version hosted at www.cognitruz.com/terms, which shall prevail over any non-English translations.

2. Refund Policy: Conditional Right & Waiver

2.1. No Refund After Access — Setup Fees and Subscription Payments. You acknowledge and agree that because the Services consist of digital content not supplied on a tangible medium, and because you have expressly requested the Company to commence performance immediately upon purchase (as evidenced by your completion of the checkout process), and you have expressly acknowledged that you thereby lose your statutory right of withdrawal under applicable consumer law, NO REFUND OR CREDIT OF ANY KIND SHALL BE PROVIDED after you have accessed any Product as defined in Section 2.3, regardless of when you make such request. This absolute no-refund policy applies equally and without exception to: (i) the one-time, non-refundable setup fee paid at the time of trial activation; (ii) any and all recurring subscription payments automatically charged upon trial expiration or during any subsequent billing cycle; and (iii) any other fees or charges associated with the Product.

For the avoidance of doubt, the statutory fourteen (14) day cooling-off period under EU and UK law is expressly waived by you pursuant to Section 2.2, and no refund request made after the commencement of performance under Section 2.3 shall be honored, whether such request relates to the setup fee, the trial period, the recurring subscription fee, or any other payment made to the Company.

2.2. Express Consent & Waiver of Withdrawal Right. The Services provided by Cognitruz LLC consist of digital content not supplied on a tangible medium. By completing your purchase, enrollment, or trial activation and proceeding through the checkout process (which includes payment of the one-time setup fee), you provide your prior, express, and informed consent for the Company to commence performance of the Services immediately. You explicitly acknowledge and agree that by granting this consent, you lose your statutory right of withdrawal under Article 16(m) of the EU Consumer Rights Directive (2011/83/EU), Regulation 37(1) of the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, and all equivalent provisions in global consumer protection law, including but not limited to consumer protection statutes in the United States, United Kingdom, European Union, and other applicable jurisdictions. This waiver extends fully to the setup fee, the trial period, and all subsequent automatic recurring subscription payments authorized under Section 3.3.

2.3. Final Sale Trigger & Independent Product Access.

Your right to a refund is extinguished immediately, permanently, and without exception upon the commencement of performance of any individual Course, Masterclass, Digital Product, or Subscription purchased (each, individually, a "Product" and collectively, the "Products"). This extinguishment applies to the setup fee, the trial period activation, and all subsequent recurring subscription payments.

(a) Access Definition. For the purposes of this Agreement, "Access" to a Product is recorded and commencement of performance is triggered upon the earliest occurrence of any of the following actions by the User with respect to that specific Product:

(i) loading, opening, or navigating to the Product's content page, course dashboard, or content library;

(ii) streaming, viewing, or initiating any video lesson, audio file, or multimedia content included within the Product;

(iii) downloading any material, workbook, resource, PDF, or supplementary content associated with the Product;

(iv) activating the three (3) day trial period associated with the Product through payment of the setup fee, regardless of whether the User subsequently logs in, views any content, or otherwise utilizes the Product;

(v) the successful processing of the one-time setup fee, which alone constitutes activation of the trial period and commencement of performance, irrespective of any other User action.

The occurrence of any one of these actions is definitive and irreversible with respect to that specific Product, irrespective of content consumption, duration of session, extent of material reviewed, or any subjective evaluation of the content by the User. The User expressly acknowledges that the payment of the setup fee alone, even in the complete absence of any subsequent content access or platform login, is sufficient to trigger the Final Sale provisions of this Section 2.3.

(b) Independent Product Transactions. Each Product purchased by the User constitutes a separate, independent, and self-contained transaction, governed by its own Access record, its own three (3) day trial terms, its own setup fee, its own subscription terms, and its own billing cycle. The commencement of performance, cancellation, refund eligibility, or dispute regarding any one Product shall not affect, extend, alter, or otherwise influence the terms, Access, setup fee, or binding nature of any other Product purchased by the same User. The User acknowledges that purchasing multiple Products creates multiple, distinct contractual relationships, each enforceable on its own terms, and each generating its own separate, non-refundable setup fee and independent recurring subscription obligation.

(c) No Cross-Product Claims. The User expressly waives any right to assert claims, refunds, or disputes regarding one Product (including its setup fee or recurring subscription) based on their experience with, cancellation of, or dissatisfaction with any other Product. Each Product shall be evaluated, accessed, and disputed (if applicable) solely on its own merits and within its own contractual boundaries.

2.4. Non-Refundable Payments. Following the commencement of performance of any individual Product as defined in Section 2.3, all payments associated with that specific Product become final, non-refundable, and non-creditable. This includes, without limitation:

(i) the one-time setup fee paid at the time of trial activation, which is fully earned by the Company upon payment and is non-refundable under any circumstances regardless of trial usage, early cancellation, or any other event;

(ii) any and all recurring subscription fees automatically charged upon the expiration of the three (3) day trial period and during each subsequent monthly billing cycle, each of which becomes final and non-refundable upon successful processing of the charge;

(iii) any other fees, charges, or payments made by the User to the Company in connection with the Product.

Subscription cancellation for a specific Product is effective only for future billing cycles of that Product and does not entitle the User to a refund, credit, pro-rata reimbursement, or transfer of value to any other Product, for the setup fee, any completed trial period, any completed billing periods, or any fees already paid with respect to that Product. The User expressly acknowledges that the setup fee and each recurring subscription payment are each independently non-refundable and that the non-refundable nature of each payment is a fundamental and essential element of the bargain.

3. Service Model: Subscription, Trial & Automatic Enrollment

3.1. Service Structure. Access to each Product is granted exclusively through a subscription model specific to that Product, initiated by a three (3) day trial period activated through payment of a one-time, non-refundable setup fee. There is no lifetime, perpetual, or one-time purchase access for any Product. Each subscription commences with a three (3) day trial period specific to that Product, the setup fee for which is determined by the Company in its sole discretion and is the amount shown on the checkout page at the time of purchase for that specific Product.

3.2. Trial Period, Setup Fee, and Pricing Structure. You expressly acknowledge and agree that each Product is offered under a structured pricing model consisting of: (A) a three (3) day trial period; (B) a one-time, non-refundable setup fee for trial activation; and (C) automatic conversion to a recurring monthly subscription upon trial expiration.

The price shown on the landing page, in promotions, in marketing materials, and on the checkout block represents solely the one-time, non-refundable setup fee for trial activation, and is entirely separate, distinct, and unrelated to the automatic recurring monthly subscription fee of forty-nine dollars ($49.00 USD), or such other recurring rate as the Company may determine in its sole discretion, which will be automatically and irrevocably charged upon the expiration of the three (3) day trial period and is itself non-refundable in accordance with Sections 2.1, 2.3, and 2.4 of this Agreement.

By submitting payment, you are required to review and accept these terms before completing your purchase. Specifically:

(a) Trial Duration. The trial period is offered for a duration of three (3) calendar days, commencing immediately upon the successful processing of the setup fee. The Company reserves the full right, at its sole discretion and without prior individual notice to existing or prospective Users, to modify, shorten, extend, or restructure the trial period for current and future promotional campaigns, marketing strategies, or operational reasons; provided that any such modification shall apply only to new purchases made after the modification takes effect.

(b) One-Time Non-Refundable Setup Fee. Activation of the three (3) day trial period requires payment of a one-time, non-refundable setup fee, the amount of which is the price shown on the checkout block at the time of purchase. The setup fee:

(i) is a separate and distinct administrative charge for account activation, payment method validation, system provisioning, access setup, and processing services;

(ii) is fully earned by the Company upon successful payment processing;

(iii) is non-refundable, non-creditable, and non-transferable under any circumstances whatsoever, including without limitation cancellation during the trial period, failure to access the Product, dissatisfaction with the trial experience, or any other reason;

(iv) is not subject to pro-rata refund, partial reimbursement, or any monetary adjustment regardless of trial usage, cancellation timing, or any other event;

(v) is distinct and separate from the recurring subscription fee charged upon trial expiration, with each constituting an independent and non-refundable payment obligation.

You acknowledge and agree that the binding nature of this Agreement, your express consent to immediate commencement of digital content delivery, your waiver of the right of withdrawal under Section 2.2, the non-refundable nature of the setup fee, and your authorization for automatic conversion to a paid subscription under Section 3.3 remain fully effective, enforceable, and legally binding in all jurisdictions, including the United Kingdom, the European Union, the United States, and globally.

(c) Binding Checkout Disclosure. You expressly acknowledge that the exact trial duration of three (3) days, the one-time setup fee amount, the recurring subscription price, and the monthly billing frequency are transparently set forth before you complete your purchase, in full compliance with the UK Digital Markets, Competition and Consumers Act 2024 (DMCC Act), the EU Omnibus Directive (Directive (EU) 2019/2161), the EU Consumer Rights Directive (2011/83/EU), the U.S. Restore Online Shoppers' Confidence Act (ROSCA, 15 U.S.C. §§ 8401–8405), and the U.S. Federal Trade Commission's "Click-to-Cancel" and Negative Option Rule requirements. By submitting your payment information and completing the checkout process, you confirm that you have read, understood, and voluntarily accepted: (i) the three (3) day trial duration; (ii) the non-refundable nature of the setup fee; (iii) the automatic conversion to a recurring monthly subscription; (iv) the recurring subscription fee amount; and (v) the non-refundable nature of all subsequent subscription payments. You waive any future claim that such terms were not sufficiently disclosed or that you were unaware of them.

3.3. Automatic Conversion to Paid Recurring Subscription. Your purchase, evidenced by the payment of the one-time setup fee, enrolls you in an ongoing subscription service that automatically converts from the three (3) day trial period to a paid recurring monthly subscription upon trial expiration. You hereby expressly, affirmatively, and irrevocably authorize the Company, and its designated third-party payment processor(s), to:

(i) charge your designated payment method the one-time setup fee at the time of trial activation;

(ii) automatically charge your designated payment method the full recurring subscription fee of forty-nine dollars ($49.00 USD) per monthly billing cycle, or such other recurring rate as set forth at the time of your purchase (which may include alternative rates such as $97.00 USD, $120.00 USD, or any other promotional or standard rate), upon the expiration of your three (3) day trial period;

(iii) continue to automatically charge your designated payment method the recurring subscription fee on each subsequent monthly billing cycle until such time as you cancel your subscription in accordance with Section 3.5.

Each automatic recurring subscription charge constitutes a separate, independent, and non-refundable payment, fully earned upon successful processing, and subject to the no-refund provisions of Sections 2.1, 2.3, and 2.4.

Unless you proactively cancel your subscription by emailing us at [email protected] before the three (3) day trial period concludes, the first recurring subscription charge will be processed automatically upon trial expiration, and a recurring monthly subscription will commence without further action or notice required on our part. Each subsequent monthly charge will likewise be processed automatically without further action or notice required, until cancellation.

3.4. Authorization, Notices, and Pricing. You acknowledge that the one-time setup fee and the subsequent recurring subscription fees are distinct, separate, and independent charges, each disclosed separately at checkout, each fully earned upon successful payment processing, and each non-refundable under the terms of Sections 2.1, 2.3, and 2.4. Consistent with applicable law and industry practice (including the UK DMCC Act reminder requirements where mandated), we may, but are under no general obligation beyond what is strictly required by applicable law, provide a reminder notification before the trial converts to a paid subscription. All fees are quoted in U.S. Dollars (USD) unless otherwise stated. We reserve the right to update pricing prospectively, as per Section 5.3.

3.5. Cancellation Rights and Method. You may cancel your subscription at any time, for any reason, by emailing [email protected] with a clear request to cancel. Cancellation is effective at the end of the then-current billing cycle and will prevent future recurring charges. Consistent with Sections 2.1, 2.3, and 2.4, cancellation does not trigger, entitle, or create any right to a refund for:

(i) the one-time setup fee, which remains fully non-refundable regardless of cancellation timing, including cancellation made within minutes of trial activation;

(ii) any completed trial period, regardless of whether the User accessed any content during the trial;

(iii) any completed billing cycle of the recurring subscription;

(iv) any fees already paid to the Company under any pricing component of the Product.

The User expressly acknowledges that cancellation prevents future charges only and provides no entitlement to recovery of any past payment, including the setup fee or any recurring subscription payment already processed. To ensure timely processing, cancellation emails must be sent to [email protected] before the trial period concludes or before the next billing cycle commences, as applicable. The User assumes full responsibility for ensuring timely delivery of the cancellation email.

4. User Conduct, Intellectual Property & Legal Recourse

4.1. Account Termination. We reserve the unilateral right to suspend or terminate access for any User who engages in abusive behavior, makes false or defamatory claims, initiates unjustified chargebacks (whether against the setup fee, the recurring subscription, or both), or otherwise acts in a manner we deem, in our sole discretion, to be harmful to our community, reputation, or commercial interests.

4.2. Intellectual Property. All content is proprietary and protected by international copyright laws, including the Berne Convention and the Digital Millennium Copyright Act (DMCA). Unauthorized reproduction, redistribution, recording, or screenshotting of any content is strictly prohibited and will result in immediate account termination and the pursuit of maximum available legal remedies.

4.3. Tortious Interference & Business Defamation. You agree that any public, false, or defamatory statements, or the orchestration of malicious, fraudulent, or unjustified chargebacks (whether targeting the setup fee, any recurring subscription payment, or both), that cause reputational or commercial harm to Cognitruz LLC may be pursued as a matter of tortious interference with business expectancy and business defamation. The Company will seek damages for all resulting financial losses, including lost revenue, chargeback administrative costs, legal fees, and reputational damage.

5. General Provisions

5.1. Disclaimer of Guarantees. Services provide theoretical educational content for informational purposes. We disclaim all warranties, express or implied. No guarantee of employment, financial gain, or specific outcome is provided.

5.2. Privacy Policy. We collect personal data solely to deliver and maintain our Services. Your data is stored securely and is never sold to third parties for marketing. You may request access to or deletion of your data by contacting us.

5.3. Changes to Terms. We reserve the right to modify these Terms, including the three (3) day trial duration, the setup fee amount, and the recurring subscription pricing, at any time. Material changes will be communicated where required by law, and your continued use after such changes constitutes your acceptance of the revised Terms.

5.4. Severability and Survival.

(a) Independent Enforceability. If any provision, clause, sentence, or portion of this Agreement is held by any court, arbitrator, or regulatory body of competent jurisdiction to be invalid, illegal, unenforceable, void, or otherwise ineffective for any reason whatsoever, such determination shall not affect, impair, invalidate, or render unenforceable any other provision, clause, sentence, or portion of this Agreement, all of which shall remain in full force and effect to the maximum extent permitted by law.

(b) Reformation. Where possible, any invalid or unenforceable provision shall be deemed modified, narrowed, or reformed only to the minimum extent necessary to render it valid and enforceable, while preserving the original intent and commercial purpose of the parties to the greatest extent permitted by law.

(c) Survival of Core Terms. The following provisions shall survive any termination, invalidation, or expiration of this Agreement: Sections 2 (Refund Policy), 4 (User Conduct & Intellectual Property), 5 (General Provisions), and any other provisions that by their nature are intended to survive.

(d) No Waiver by Invalidity. The invalidity or unenforceability of any provision in any jurisdiction shall not affect the validity or enforceability of such provision in any other jurisdiction, nor shall it constitute a waiver of the Company's right to enforce any other provision of this Agreement.

5.5. Complete Limitation of Liability, Exclusive Remedy, and Waiver of All Damages.

(a) No Damages Whatsoever. To the maximum extent permitted by applicable law, in no event shall the Company, its officers, directors, employees, agents, affiliates, licensors, successors, assigns, or service providers be liable to the User for any damages, losses, costs, expenses, or compensation of any kind or nature whatsoever, whether direct, indirect, incidental, special, consequential, exemplary, punitive, enhanced, statutory, nominal, or any other category of damages, including without limitation damages for: (i) lost profits, lost revenue, lost savings, or lost business opportunities; (ii) loss of data, loss of goodwill, or reputational harm; (iii) business interruption or loss of anticipated benefits; (iv) emotional distress, mental anguish, inconvenience, or personal injury; (v) any investment losses, financial losses, or costs incurred by the User in reliance on the Services or Products; (vi) opportunity cost, time invested, or any subjective value assigned by the User to the Services or Products; or (vii) any other damages of any kind, regardless of the legal theory (whether in contract, tort, negligence, strict liability, warranty, statute, or otherwise), and regardless of whether the Company has been advised of the possibility of such damages.

(b) Zero Financial Liability. To the maximum extent permitted by applicable law, the Company's total aggregate financial liability to the User for any and all claims, causes of action, disputes, or demands arising out of or in connection with this Agreement, the Services, any Product, the setup fee, the trial period, or any recurring subscription payment, regardless of cause, legal theory, or number of claims, shall be ZERO ($0.00 USD). The User expressly acknowledges, accepts, and agrees that the User shall have no right to recover any monetary damages, compensation, refund, credit, or financial award from the Company under any circumstances whatsoever, except as expressly and narrowly provided in Section 5.5(c) below.

(c) Sole and Exclusive Remedy. The User's sole and exclusive remedy for any and all claims, grievances, or disputes arising out of or relating to this Agreement, the Services, or any Product shall be strictly limited to the User's right to cancel their subscription for future billing cycles pursuant to Section 3.5. The User expressly acknowledges and agrees that: (i) cancellation is effective only prospectively and shall not entitle the User to any refund, credit, reimbursement, or compensation for any past payments, including the setup fee, any completed trial period, any completed billing cycles, or any recurring subscription fees already paid; (ii) no refund or monetary remedy of any kind is available following the commencement of performance as defined in Section 2.3, which the User acknowledges has been irrevocably triggered upon payment of the setup fee; and (iii) no other remedy, damages, compensation, injunction, declaration, or relief of any kind shall be available to the User, whether at law, in equity, by statute, or otherwise. The User's waiver of the right of withdrawal under Section 2.2, combined with the final-sale triggers set forth in Section 2.3 and the non-refundable nature of all payments (including the setup fee and recurring subscription fees) under Section 2.4, constitute a complete and irrevocable bar to any claim for monetary relief.

(d) Services Provided "As-Is". The User expressly acknowledges and agrees that the Services and Products are provided on an "AS-IS" and "AS-AVAILABLE" basis, without any warranties, representations, guarantees, or conditions of any kind, whether express, implied, statutory, or otherwise. The Company expressly disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, quality, completeness, educational value, commercial value, or any guarantee of specific outcomes, results, earnings, or benefits. The User assumes full and exclusive responsibility and risk for their use of, reliance upon, and any actions or decisions made based on the Services or Products.

(e) No Compensation for Any Outcome. The User expressly acknowledges that the Services and Products provide theoretical, educational, and informational content only, and that any outcomes, results, earnings, profits, losses, or experiences arising from the User's engagement with the Services or Products are solely and exclusively the User's own responsibility. The User expressly and irrevocably waives any right to claim, demand, or receive any form of compensation, reimbursement, indemnification, refund (whether of the setup fee, recurring subscription payments, or otherwise), or damages from the Company based on any outcome or absence of outcome, regardless of the User's satisfaction or dissatisfaction with the Services or Products.

(f) Waiver of Minor and Nominal Damages. The User expressly and knowingly waives any and all rights to claim, demand, or receive any damages whatsoever from the Company, including without limitation nominal damages, minor damages, symbolic damages, token damages, or any de minimis compensation, regardless of the User's perception of harm or inconvenience. This waiver applies equally to any claim for partial refund of the setup fee, pro-rata reimbursement of any subscription payment, or any other form of monetary adjustment.

(g) Essential and Fundamental Bargain. The limitations and waivers set forth in this Section 5.5, together with the refund restrictions set forth in Section 2 (including the non-refundable setup fee and non-refundable recurring subscription payments), are a fundamental, essential, and non-severable element of the bargain between the User and the Company, without which the Company would not have offered the Services or Products at their current pricing or on their current terms. The User expressly acknowledges that the Company's pricing structure (consisting of the setup fee and recurring subscription fees) reflects the risk allocation set forth in this Section 5.5 and Section 2, and that any modification, invalidation, or unenforceability of these limitations would fundamentally alter the economic basis of this Agreement. These limitations shall apply to the fullest extent permitted by law, and shall remain in effect even if any limited remedy set forth in this Agreement is found to have failed of its essential purpose.

6. Final Binding Effect

These Terms are effective from May 11, 2026. Your purchase, payment of the setup fee, trial activation, and use of our Services are incontrovertible evidence of your agreement to be bound by every provision herein, including the non-refundable nature of the setup fee and all recurring subscription payments. You waive any right to claim otherwise in any forum, including in a dispute with a payment processor, bank, card issuer, or consumer protection authority.