Cogni is a financial technology company, not a bank.

By participating in Cogni's Reward Program ("the Program"), you agree to comply with the following terms and conditions:

Program Overview: The Program allows users who signed up with Cogni to participate and earn rewards. Users can share a referral code with their friends and family to invite them to join the Program. The receiver of the referral code must activate the code in a new account to be eligible for the reward.

To be eligible for the reward, the following conditions must be met:

a. The sender of the referral code must have successfully opened a Cogni account.

b. The receiver of the referral code must activate the code in a new account.

c. Both the sender and receiver must meet the above requirements within the Program's specified time frame.

This Program is open only to individuals who meet all the following qualifications: (i) is a legal resident of the United States or the District of Columbia; (ii) have a valid Cogni account; The Program is subject to all applicable federal, state and local laws, rules and regulations. Void where prohibited. Participant's computer must accept cookies or any similar device used by the Sponsor to track entries. See Sponsor's Privacy Policy at https://getcogni.com/privacy-policy/ for more information about Cookies and privacy.

Reward Amount: Once all requirements are met, both the sender and the receiver will be eligible to receive a reward amount of $5 each. The reward will be provided in the form of a payment sent to the user's designated account or as otherwise specified by Cogni. 

Cogni reserves the right to increase, decrease, or eliminate the reward amount at any time. 

In the event of a dispute about the identity of an Entrant, s/he/they will be determined by the authorized account holder of the Cogni account submitted at time of entry. Once Selected Entrants have provided all necessary information Cogni will credit their Cogni accounts with the Reward amount.

NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. MUST BE 18 YEARS OF AGE OR OLDER AT THE TIME OF PARTICIPATION IN THIS REWARD PROGRAM. U.S. LAW GOVERNS. VOID WHERE PROHIBITED.

NO PURCHASE OR PAYMENT IS NECESSARY TO ENTER OR TO PARTICIPATE. A PURCHASE DOES NOT IMPROVE ONE’S CHANCES OF WINNING. VOID WHERE PROHIBITED BY LAW.

BY ENTERING THE CONTEST YOU AGREE TO THESE OFFICIAL RULES (the “Official Rules”), WHICH ARE A CONTRACT, SO READ THEM CAREFULLY BEFORE ENTERING.

Sponsor: The Cogni Referral Rewards Program (“The Program”), is administered by Cogni, Inc., located at 1178 Broadway, 3rd Floor #3119, NY, NY, 10001 (the “Sponsor”). 

Date and time according to the computer time listed on the social media platforms and website, or according to Sponsor’s internal time clock (Incomplete, garbled, corrupted or illegible entries are void and will not be accepted. Sponsor is not responsible for lost, late, damaged, delayed, destroyed, misdirected, or incomplete entries. Sponsor reserves the right to disqualify false entries or entries suspected of being false.)

Reward Distribution: The reward will be sent immediately after all eligibility requirements are met. Please note that the exact delivery time may vary depending on various factors, including but not limited to processing times and potential delays in the payment system.

Code Sharing: Eligible users are permitted to share their referral codes with an unlimited number of people. However, each referral code can only be activated by one receiver. The Program does not restrict the number of rewards a user can earn by sharing their code with multiple receivers who meet the eligibility requirements.

Program Event Period: The Program is scheduled to begin on May 31st, 2024, at 12:00 am EST, and there is currently no set end date. However, Cogni reserves the right to modify, suspend, or terminate the Program, in whole or in part, at any time and without prior notice. In such cases, Cogni will make reasonable efforts to communicate any changes or termination to the participants through appropriate channels.

Compliance: Participants must comply with all applicable laws and regulations while participating in the Program. Any fraudulent or abusive behavior, including but not limited to creating multiple accounts, will result in disqualification from the Program and may lead to additional consequences as determined by Cogni.

Limitation of Liability: Cogni shall not be held responsible for any direct or indirect damages, losses, or liabilities arising from or in connection with the Program, including but not limited to the inability to receive the reward due to technical issues, delays, or errors.

MANDATORY THIRD PARTY PLATFORM DISCLOSURE: The Program in its entirety is not endorsed, sponsored, or affiliated with any platforms, whether social media, game, or gaming platform (“Third Party Platforms”). The Third Party Platforms required to participate in the Program have their own terms and use and their own privacy policies, which you must agree to in order to participate in the Program. When you create an account, you are providing your information to these Third Party Platforms and agreeing to their terms and conditions, for which Sponsor has no control. When you participate in the Program, the information you provide specific to the Program will be used by Sponsor in accordance with these Official Rules.

Publicity: By participating in the Program, any Entrant in the Program, irrevocably grants the Sponsor and its respective successors, assigns and licensees, the right to use such Entrant’s name, any submitted photographs, and/or Entrant’s biographical information in any and all media for any purpose, including without limitation, commercial, advertising and promotional purposes as well as in, on or in connection with the Website or the Program or other promotions, and hereby release the Sponsor from any liability with respect thereto, unless prohibited by law.

General Conditions: By participating, and except where prohibited, Entrants agree to be fully and unconditionally bound by these Official Rules and the decisions of Sponsor and waive any right to claim ambiguity in the Program or these Official Rules. Any portion of the Program may be canceled, suspended and/or modified, in whole or in part, if in our opinion any fraud, technical failure or other factor beyond our control impairs the integrity or proper functioning of the Program. Sponsor reserves the right in its sole discretion to disqualify any individual who is found to be tampering with the entry process or the operation of the Program or the Website, to be acting in violation of these Official Rules, or with the intent to disrupt or undermine the legitimate operation of the Program, or to annoy, abuse, threaten or harass any other person, and Sponsor reserves the right to seek damages and other remedies from any such person to the fullest extent permitted by law. You may not enter with multiple identities or use any automated system, bot or other device or artifice to enter or obtain more than the maximum number of qualified entries. Unclaimed prizes will not be awarded. All federal, state or other tax liabilities (including income taxes) arising from this Program will be the sole responsibility of the Selected Entrant. Caution: any attempt to deliberately damage or undermine the legitimate operation of the Program may be in violation of criminal and civil laws and will result in disqualification from participation in the Program. Should such an attempt be made, Sponsor reserves the right to seek remedies and damages (including attorney fees) to the fullest extent of the law, including criminal prosecution, except where prohibited.

Limitations of Liability: If for any reason an entry is confirmed to have been erroneously deleted, lost or otherwise destroyed or corrupted, the Entrant's sole remedy is another entry in the same Program during the Program Event Period or the following Program Event Period.  Except where prohibited, Entrants also agree to release, discharge, indemnify and hold harmless Sponsor and each of their respective officers, directors, employees, representatives and agents (collectively “Releasees”) from and against any claims, damages, disability, attorneys' fees, and costs of litigation and settlement, as well as any liability due to any injuries, damages or losses to any person (including death) or property of any kind resulting in whole or in part, directly or indirectly, from: (i) use, redemption, acceptance, possession, ownership, or misuse of any prize, (ii) participation in any activity, event, or excursion offered in connection with the prize, (iii) use of any facility, service and/or accommodation related to the prize, or (iv) participation in any Program-related activity or participation in this Program, generally. The Releasees shall not be liable for: (i) late, lost, delayed, misdirected, incomplete unreadable, inaccurate, garbled or unintelligible entries, communications or affidavits, regardless of the method of transmission; (ii) telephone system, telephone or computer hardware, software or other technical malfunctions, lost connections, disconnections, delays or transmission errors; (iii) data corruption, theft, destruction, unauthorized access to or alteration of entry or other materials; (iv) any injuries, losses or damages of any kind caused by the prize or resulting from acceptance, possession or use of a prize, or from participation in the Program; or (v) any printing, typographical, administrative or technological errors in any materials associated with the Program. Without limiting the generality of the foregoing, Releasees are not responsible for delays or cancellations related to a pandemic, including COVID-19, computer malfunctions, network connections, email delivery problems, systems failure or incompatibility, typographical, technical or key-stroke errors, or interruptions in your internet service, and for incomplete, illegible, misdirected, misprinted, late, lost, damaged or stolen notifications. In the event Sponsor is prevented from continuing with the Program as contemplated herein by any event beyond its control, including but not limited to pandemic, fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, or any federal, state or local government law, order, or regulation, or other cause not reasonably within Sponsor’s control (each a "Force Majeure" event or occurrence), then subject to any governmental approval which may be required, Sponsor shall have the right to modify, suspend, or terminate the Program. If the Program is terminated before the designated end date, Sponsor will (if possible) select the winners from all eligible, non-suspect Submissions received as of the date of the event giving rise to the termination. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these rules shall otherwise remain in effect and shall be construed in accordance with their terms as if the invalid or illegal provision were not contained herein.

Disputes and Governing Law: BY PARTICIPATING IN THE CONTEST, EACH ENTRANT AGREES THAT TO THE EXTENT PERMITTED BY APPLICABLE LAW: (1) ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION THAT CANNOT BE RESOLVED BETWEEN SELECTED ENTRANT AND ANY RELEASEE ARISING OUT OF OR CONNECTED WITH THE CONTEST, OR ANY PRIZE AWARDED, WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION; (2) ANY AND ALL CLAIMS, JUDGMENTS AND AWARDS WILL BE LIMITED TO ACTUAL THIRD-PARTY, OUT-OF-POCKET COSTS INCURRED, (IF ANY), NOT TO EXCEED TEN DOLLARS ($10.00), BUT IN NO EVENT WILL ATTORNEYS’ FEES BE AWARDED OR RECOVERABLE; (3) UNDER NO CIRCUMSTANCES WILL ANY ENTRANT BE PERMITTED TO OBTAIN ANY AWARD FOR, AND ENTRANT HEREBY KNOWINGLY AND EXPRESSLY WAIVES ALL RIGHTS TO SEEK, PUNITIVE, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES, LOST PROFITS AND/OR ANY OTHER DAMAGES, OTHER THAN ACTUAL OUT-OF-POCKET EXPENSES NOT TO EXCEED TEN DOLLARS ($10.00), AND/OR ANY RIGHTS TO HAVE DAMAGES MULTIPLIED OR OTHERWISE INCREASED; AND (4) ENTRANT’S REMEDIES ARE LIMITED TO A CLAIM FOR MONEY DAMAGES (IF ANY) AND ENTRANT IRREVOCABLY WAIVES ANY RIGHT TO SEEK INJUNCTIVE OR EQUITABLE RELIEF.

Disputes regarding these Official Rules and/or this Program will be governed by the internal laws of New York. Decisions of Sponsor are binding and final. No claimant in any dispute involving Sponsor shall be entitled to claim or obtain indirect, punitive, incidental or consequential damages. Sponsor’s failure to enforce any provision in these Official Rules shall not constitute a waiver of that provision. 

All disputes arising out of or in connection with the present contract shall be finally settled under the Rules of Arbitration of the American Arbitration Association (“AAA”) by one or more arbitrators appointed in accordance with the Rules of the AAA. No award or procedural order made in the arbitration shall be published.  All costs associated with an arbitration will be paid by the losing party. 

Results: For results and/or a copy of these Official Rules, within 120 days, send an email to member-services@getcogni.com with the title “Cogni Inc. #CogniReferral” in the subject line.

Support: member-services@getcogni.com.

By participating in the Program, you acknowledge that you have read, understood, and agreed to these Terms of Service. Cogni reserves the right to update or modify these terms and conditions as necessary, and such changes will be effective upon posting the revised version on Cogni's official website or other designated communication channels.

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