Terms of Use

General

Cognition Financial Corporation and its subsidiary Cognition Lending Corporation (collectively, “CognitionFinancial”) are providing this website (the “Website”), and any of the services provided by Cognition Financial in connection with the Website, to you, subject to the terms set forth below (the “Terms”). The Terms should be read carefully as they exclude or limit Cognition Financial’s liability and set forth the terms and conditions which apply to your use of the Website. By using the Website, you agree to be bound by the Terms. If, at any time, the provisions of the Terms are not acceptable to you, or if you do not agree to be bound by the Terms, please discontinue your use of the Website.

Cognition Financial reserves the right to modify the Terms at any time without notice, but shall always display the most current version of the Terms on the Website. Cognition Financial reserves the right to modify or terminate the Website, the services offered via, or provided in connection with, the Website, and/or your use of the Website at any time.

Copyrights and Trademarks

All content in the pages, screens, information and materials on the Website is owned by Cognition Financial unless otherwise indicated, and is protected by United States and international copyright laws and treaties. The copyrighted materials on the Website include, but are not limited to, the text, design, software, images, graphics, source code, and the content on the Website. The content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes without the express written consent of Cognition Financial. Featured words used on the Website to identify the source of goods and services are trademarks and service marks and, whether registered or unregistered, are owned by Cognition Lending or by third parties. Trademarks owned by Cognition Financial include, but are not limited to, raise^, WellFi™, and EasyInviteSM. Unauthorized reproduction or use of Cognition Financial’s trademarks and service marks is prohibited. No solicitation is made by Cognition Financial to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law. To the extent the Website contains a link to any website controlled by an entity that is neither an affiliate nor a subsidiary of Cognition Lending, Cognition Financial disclaims liability for the content, materials, products, privacy policies, or security of such website.

Disclaimer

Access to and use of the Website is at your own risk. Except as otherwise provided by applicable law, Cognition Lending is not responsible for any loss, property damage or bodily injury, whether caused by access or use of the services or the Website. Cognition Financial makes no warranty that the Website or services offered via, or provided in connection with, the Website will be uninterrupted or error free. To the maximum extent permissible under applicable law, Cognition Financial shall not be liable for any direct, indirect, special, consequential, economic, or other damages arising in any way out of the installation or use of the Website, the services offered via, or provided in connection with, the Website, any online services or internet browser software, including liability associated with any computer viruses which infect your computer system. Services provided by Cognition Financial in connection with the Website are offered on an “as is,” “where is,” and “where available” basis. Cognition Financial does not warrant the availability, accuracy, adequacy, completeness, or timeliness of the information, completeness, or timeliness of the information, materials, products, and services accessed on or through the Website, and it expressly disclaims liability arising out of or relating to errors or omissions in the information or materials accessed on or through the Website. No warranty of any kind, whether implied or express, including but not limited to the warranties of non-infringement, title, merchantability, fitness for a particular purpose, and freedom from computer virus is given in conjunction with the information, materials products or services, except for those warranties that are incapable of exclusion, restriction or modification under applicable law.

Indemnification

You agree to defend, indemnify, and hold harmless Cognition Financial, its affiliates, and each respective director, officer, employee, and agent thereof from and against all claims and expenses, including attorneys' fees, arising out of your violation of the Terms or misuse of the Website, including such violation or misuses conducted by your employee or agent, if applicable.

Governing Law and Jurisdiction

You agree that the Terms constitute a contract between you and Cognition Financial and your use of the Website shall be governed by all applicable Federal laws and the laws of the State of Delaware without giving effect to any conflicts of law principles.