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

This constitutes a legally binding Agreement (“Agreement”) between you (“User”) and Cognitruz LLC (“Company,” “we,” “us,” “our”). By clicking “I Agree,” initiating a purchase, accessing, or utilizing any course, masterclass, subscription, digital product, or associated content (collectively, “Services”), you irrevocably agree to be bound by these Terms of Service and our integrated Privacy Policy.

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.

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. Stated Refund Window. In compliance with platform policy and consumer law, you retain a period of fourteen (14) calendar days from the original date of purchase to request a refund.

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 and clicking “I Agree,” you provide your prior, express, and informed consent for the Company to commence performance of the Services immediately. You explicitly acknowledge that by granting this consent, you lose your right of withdrawal under Article 16(m) of the EU Consumer Rights Directive (2011/83/EU) and all equivalent provisions in global consumer protection law.

2.3. Final Sale Trigger. Your right to a refund is extinguished immediately, permanently, and without exception upon the commencement of performance, which is triggered by you (a) accessing our learning platform or member area; (b) streaming any video lesson; or (c) downloading any material. The occurrence of any one of these actions is definitive. For absolute clarity, “Access” is recorded upon user login to the platform, irrespective of content consumption.

2.4. Non-Refundable Payments. Following the commencement of performance as defined in Section 2.3, all payments become final, non-refundable, and non-creditable. This includes the initial setup fee and all subsequent subscription fees. Subscription cancellation is effective only for future billing cycles and does not entitle you to a refund for any completed billing periods or fees already paid.

3. Service Model: Subscription & Automatic Enrollment

3.1. Service Structure. Access to Services is granted exclusively through a subscription model. There is no lifetime, perpetual, or one-time purchase access. Each subscription commences with a 14-day trial period.

3.2. Trial and Automatic Conversion. Your purchase enrolls you in a subscription service. You authorize an immediate charge for the disclosed setup fee (e.g., $0.99 USD, $99.39 USD, or other promotional rate). This fee is for trial activation and is charged immediately.

Unless you proactively cancel your subscription via your Paddle account dashboard or by emailing us at [email protected] before the 14-day trial period concludes, you expressly and automatically authorize the Company to charge your designated payment method the full recurring subscription fee (e.g., $97.00 USD, $120.00 USD, or other stated rate) upon trial expiration, initiating a recurring monthly subscription.

3.3. Authorization and Pricing. You acknowledge that the setup fee and subsequent subscription fees are distinct. We are under no obligation to provide a separate reminder before the subscription charge is processed. All fees are quoted in U.S. Dollars (USD). We reserve the right to update pricing with notice, as per Section 9.

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, 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. 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 chargebacks—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, administrative costs, 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. Your continued use after such changes constitutes your acceptance of the revised Terms.

Final Binding Effect: These Terms are effective from October 24, 2025. Your purchase and use of our Services are incontrovertible evidence of your agreement to be bound by every provision herein. You waive any right to claim otherwise in any forum, including in a dispute with a payment processor.