Terms of Use

Agreement to Terms

By accessing and using CognitiSync's educational platform at cognitisync.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These terms govern your access to our fundamental analysis education services, study materials, and related content.

If you disagree with any part of these terms, please discontinue use of our services immediately. Your continued use of our platform constitutes acceptance of these terms and any future modifications.

Educational Services and Content

CognitiSync provides educational content focused on fundamental analysis in finance. Our services include:

• Structured learning modules on financial analysis techniques
• Interactive study materials and practical examples
• Market research methodologies and case studies
• Educational resources on financial statement analysis

All educational content is provided for informational purposes only and should not be considered as investment advice, financial recommendations, or guarantees of specific outcomes. We encourage students to conduct their own research and consult with qualified financial professionals before making investment decisions.

User Responsibilities and Conduct

Account Management

Users are responsible for maintaining the confidentiality of their account credentials and for all activities that occur under their account. You must provide accurate and current information during registration and promptly update any changes.

Acceptable Use

You agree to use our platform responsibly and in accordance with applicable laws. Prohibited activities include:

• Sharing login credentials or allowing unauthorized access to your account
• Copying, distributing, or reproducing copyrighted materials without permission
• Attempting to disrupt or compromise platform security or functionality
• Using our services for any illegal or unauthorized purposes
• Harassing other users or posting inappropriate content in discussion forums

Intellectual Property Rights

All content provided through CognitiSync, including but not limited to educational materials, videos, text, graphics, logos, and software, is protected by copyright, trademark, and other intellectual property laws. This content is owned by CognitiSync or licensed from third parties.

You are granted a limited, non-exclusive, non-transferable license to access and use our educational materials solely for your personal learning purposes. This license does not permit you to modify, distribute, transmit, display, publish, sell, or create derivative works from our content.

Any unauthorized use of our intellectual property may result in immediate termination of your access and potential legal action.

Privacy and Data Protection

We take your privacy seriously and are committed to protecting your personal information. Our collection and use of personal data is governed by our Privacy Policy, which is incorporated by reference into these Terms of Use.

By using our services, you consent to the collection, processing, and storage of your data as described in our Privacy Policy. We implement appropriate security measures to protect your information, but cannot guarantee absolute security of data transmitted over the internet.

You have the right to access, correct, or delete your personal information in accordance with applicable data protection laws. Contact us if you have questions about how we handle your data.

Payment Terms and Refunds

Course fees and subscription charges are clearly displayed during the enrollment process. All payments are processed securely through our designated payment providers. By enrolling in our courses, you authorize us to charge the specified fees to your chosen payment method.

Refund requests must be submitted within 14 days of course enrollment. Refunds may be provided at our discretion, particularly if you have accessed less than 25% of the course content. Digital materials that have been downloaded or accessed extensively are generally not eligible for refunds.

Subscription services can be cancelled at any time, but refunds for unused portions of subscription periods are not automatically provided unless required by applicable law.

Disclaimers and Limitations of Liability

Educational Purpose Only

Our educational content is provided for informational and educational purposes only. We do not guarantee specific learning outcomes, career advancement, or financial success from completing our courses. Individual results may vary based on personal effort, market conditions, and other factors beyond our control.

No Investment Advice

Nothing in our courses constitutes investment advice, financial recommendations, or professional guidance. We do not recommend specific securities, investment strategies, or financial decisions. Students should consult with qualified financial advisors before making investment decisions.

Platform Availability

While we strive to maintain continuous platform availability, we cannot guarantee uninterrupted access to our services. We may temporarily suspend access for maintenance, updates, or technical issues without prior notice.

Limitation of Liability

To the maximum extent permitted by law, CognitiSync shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services, including but not limited to loss of profits, data, or business opportunities.

Termination and Suspension

We reserve the right to suspend or terminate your access to our platform at any time, with or without notice, for violations of these Terms of Use or for other reasons we deem necessary to protect our services or other users.

You may terminate your account at any time by contacting our support team. Upon termination, your right to access course materials and platform features will cease immediately, though you may retain access to previously downloaded materials for personal use only.

Provisions of these Terms of Use that by their nature should survive termination, including intellectual property rights, disclaimers, and limitation of liability, shall remain in effect after termination of your account.

Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of Taiwan, Republic of China, without regard to its conflict of law provisions. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Taipei City, Taiwan.

If any provision of these Terms of Use is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.

Changes to Terms of Use

We reserve the right to modify these Terms of Use at any time to reflect changes in our services, legal requirements, or business practices. Material changes will be communicated through email notifications to registered users or prominent notices on our platform.

Your continued use of our services after such modifications constitutes acceptance of the updated terms. We encourage you to review these Terms of Use periodically to stay informed of any changes that may affect your rights and obligations.

The effective date of any changes will be clearly indicated at the top of this document. Previous versions of these terms are available upon request for your reference.