Terms of Service

Last Updated: November 2025

Agreement to Terms

By downloading, installing, or using Cognito Money, you agree to these Terms of Service. If you don't agree, don't use the software.

Service Tiers

Free Edition: You may use the free version indefinitely on your personal devices at no cost. Features are limited to manual transaction entry and local budgeting.

Standard Subscription ($29/year): Includes bank imports, receipt scanning, and AI chat powered by Gemini 2.0 Flash.

Pro Subscription ($79/year): Includes everything in Standard plus Deep Research AI mode powered by Gemini 3.0 Pro and priority support.

Subscription Terms

• Subscriptions are billed annually
• Subscriptions auto-renew unless cancelled
• You can cancel anytime; service continues until end of billing period
• Upon expiration or cancellation, your account reverts to Free edition
• Your data is never deleted when downgrading—it stays on your computer

Permitted Use

• Personal, non-commercial use on your own devices
• Installing on multiple computers you own or control
• Making backups of your data files
• Using AI features included with your subscription tier

Prohibited Use

• Sharing, distributing, or reselling the software or subscription access
• Reverse engineering, decompiling, or modifying the software
• Using for commercial purposes without written permission
• Removing or altering copyright notices or branding
• Attempting to circumvent subscription verification

Your Responsibilities

• Data Security: You're responsible for backing up your data and securing your computer
• Accurate Information: Provide accurate financial information for your own records
• Account Security: Keep your subscription credentials secure
• Legal Compliance: Use the software in compliance with applicable laws

AI Features and Data Processing

When using AI features (Standard and Pro tiers), relevant financial context is sent to our servers for processing by AI models. We do not store your financial data on our servers—it is processed and discarded. See our Privacy Policy for complete details.

Disclaimers

Financial Advice: Cognito Money is a tool for organizing your finances. It does not provide financial, tax, or legal advice. Consult qualified professionals for financial guidance.

AI Accuracy: AI-powered features (chatbot, receipt scanning, categorization) may not be 100% accurate. Always verify important financial information.

"As Is" Software: The software is provided "as is" without warranties of any kind, either express or implied.

Limitation of Liability

To the maximum extent permitted by law, E-Comm Solutions LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of Cognito Money.

Refunds

We offer a 30-day money-back guarantee on paid subscriptions. See our Refund Policy for details.

Service Availability

We strive for high availability of our subscription verification and AI services. However, we do not guarantee uninterrupted service. The Free edition features work offline and are not affected by service availability.

Termination

Your subscription continues until cancelled or terminated. We may terminate your access if you violate these terms. Upon termination, your account reverts to Free edition. Your local data remains unaffected.

Changes to Terms

We may update these terms. Continued use after changes means you accept the updated terms. Check the "Last Updated" date to see when changes were made.

Governing Law

These terms are governed by the laws of Wyoming, USA. Any disputes will be resolved in Wyoming courts.

Contact

E-Comm Solutions LLC
Email: [email protected]
EIN: 92-1791184