1. Introduction

Welcome to Cogniz ("we," "our," or "us"). These Terms and Conditions govern your use of our website and services. By accessing or using Cogniz, you agree to comply with these terms. If you do not agree, please do not use our website.

2. Use of Website

• You must be at least 18 years old or have parental consent to use our services.

• You agree not to engage in fraudulent, abusive, or illegal activities on our website.

• We reserve the right to restrict or terminate access if any violations occur.

3. Payments and Transactions

• All payments on Cogniz are securely processed via Razorpay.

• We do not store your payment details.

• You agree to provide accurate billing information.

• All payments made are non-refundable. No refunds will be issued under any circumstances.

4. Intellectual Property

• Some content on Cogniz (logos, text, graphics) is owned by us, while other content may belong to third parties. All content is protected under applicable laws.

• You may not copy, modify, distribute, or exploit any content without written permission.

5. Limitation of Liability

• We are not liable for any direct, indirect, incidental, or consequential damages resulting from the use of our website.

• We do not guarantee uninterrupted or error-free service.

6. Privacy Policy

Your use of Cogniz is also governed by our Privacy Policy [Link to Privacy Policy].

7. Changes to Terms

We may update these Terms and Conditions at any time. Continued use of Cogniz after changes means you accept the new terms.