Please read these Terms carefully before using the Service. They explain your rights and obligations and include important disclaimers and limitations of liability.

1. Introduction

These Terms and Conditions (“Terms”) form a legally binding agreement between you and Cognaris Ltd (“Cognaris”, “we”, “us”, or “our”) governing your access to and use of Host Hero AI, an AI-powered subscription e-learning and coaching platform for short-term-rental entrepreneurs.

The Service includes:

• The ability to submit queries to an AI system and receive AI-generated responses.

• Access to the Host Hero AI Masterclass content.

• Use of various tools, templates, and resources provided within the Service.

By creating an account, paying for a subscription, or otherwise using the Service, you agree to comply with and be bound by these Terms. If you do not agree, you must not use the Service.

2. Key Definitions

• Account – Your registered profile that grants access to the Service.

• Subscription – The paid plan permitting access for a set billing period (monthly or annual).

• User Content – Any data, material, or information you submit, upload, or create within the Service.

• Service – Host Hero AI, including AI query functionality, Masterclass content, and associated tools and resources.

3. Eligibility & Account Security

3.1 You must be at least 18 years old and able to enter into legally binding contracts under the laws of England and Wales.

3.2 You must provide accurate and complete information during registration and keep it updated.

3.3 You are responsible for maintaining the confidentiality of your login credentials and for all activity under your Account.

3.4 You must notify us immediately if you suspect unauthorised access to your Account.

4. Subscriptions, Billing & Refunds

4.1 All subscription fees are payable in advance via Stripe (or other payment processors we may use) and are stated exclusive of VAT unless otherwise noted. VAT will be applied where required by law.

4.2 Subscriptions automatically renew at the end of each billing period unless cancelled in accordance with section 10.

4.3 Refund Policy: We offer a 7-day refund policy on your first paid subscription activation (the date your first payment is processed). Requests must be made in writing within 7 days of your first paid subscription activation.

4.4 There are no partial refunds for cancellations during a billing period, whether monthly or annual. Your access will continue until the end of the current billing period.

4.5 Free trials (where offered) will convert to paid subscriptions unless cancelled before the trial ends.

4.6 Consumers in the UK have a statutory 14-day cooling-off right from the start of the contract; however, if you access the Service during this period, you agree to pay for the portion of the Service provided before cancellation.

4.7 We may change subscription fees with at least 30 days’ notice before your next billing cycle.

4.8 Chargebacks & Disputes

Unauthorised chargebacks or payment reversals may lead to suspension of your Account. Please contact us first, to resolve billing issues before raising disputes through your payment provider.

4.9 Promotional Pricing

Discounts or promotional offers apply only for the stated duration and renew automatically at the then-current standard rate unless otherwise specified.

4.10 Consumer Rights

Nothing in these Terms affects your statutory rights as a consumer under applicable law. Where required, refunds will be processed according to consumer protection regulations in your jurisdiction.

5. Acceptable Use

You agree not to:

a) Violate any applicable law or infringe the rights of others.

b) Upload, transmit, or distribute malware, viruses, or other harmful software.

c) Attempt to gain unauthorised access to, scrape, or disrupt the Service.

d) Share your login credentials or allow third parties to access your Account.

e) Generate spam, misleading content, or harass other users.

f) Use the Service to provide competing AI services or reverse engineer our systems.

5.1 AI Model Training Data

We may use anonymised and aggregated usage data to improve system performance, detect abuse, or enhance product features. Personal data and private content are not used for model training without your explicit consent. Aggregated or anonymised data will never be sold to third parties for marketing purposes.

5.2 Fair Use

We may impose reasonable usage limits (e.g., number of queries per day or data storage caps) to ensure system stability and fair access for all users.

6. Intellectual Property

6.1 All rights, title, and interest in the Service, its content, design, and underlying technology remain the exclusive property of Cognaris or its licensors.

6.2 You retain ownership of your User Content but grant us a worldwide, non-exclusive, royalty-free licence to store, process, and display it for the purpose of providing the Service.

6.3 AI-generated outputs are provided “as is” for informational purposes only. You are solely responsible for verifying their accuracy, suitability, and legality before use.

6.4 AI Outputs & Responsibility

• AI responses are generated automatically and may contain errors, biases, or inaccuracies.

• You acknowledge that the Service may use third-party AI models (e.g., OpenAI, Anthropic, or others), and we do not control or guarantee their behaviour.

• You agree not to rely on AI outputs as factual statements without independent verification.

• You are responsible for any content you publish, share, or act upon based on AI outputs.

6.5 Feedback and Suggestions

If you submit feature ideas, bug reports, or other feedback, you grant us a worldwide, royalty-free licence to use such input for product improvement without obligation to you.

7. Data Protection

7.1 We process personal data in accordance with our Privacy Notice, which forms part of these Terms.

7.2 By using the Service, you consent to the collection and processing of your data as described in the Privacy Notice.

7.3 Data Storage & Retention

We store data on secure servers located in the UK and/or EEA (and in other jurisdictions with adequate data protection safeguards). We retain your data only for as long as necessary to provide the Service or to comply with legal obligations. We do not transfer personal data outside the UK or EEA unless adequate safeguards (such as Standard Contractual Clauses) are in place.

7.4 Third-Party Integrations

The Service may interface with third-party platforms (e.g., Stripe for billing, analytics tools, or AI model providers). Their use is subject to their own privacy policies. We are not responsible for data handling by third-party services outside our direct control.

7.5 Data Deletion Requests

You may request deletion of your personal data by contacting us. Deletion may limit your ability to use the Service.

8. Warranties & Disclaimers

8.1 The Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.

8.2 We do not warrant that:

• The Service will be uninterrupted, secure, or error-free.

• AI-generated content will be accurate, complete, or suitable for any specific purpose.

8.3 All advice, guidance, or information provided by the AI or in the Masterclass is general in nature and not professional, financial, legal, or tax advice. You use such content entirely at your own discretion and risk.

8.4 Service Modifications

We may add, remove, or modify features to improve the Service or for legal, technical, or operational reasons. Material changes that significantly reduce functionality will be communicated in advance where practicable. We are not liable for any modification, suspension, or discontinuation of any part of the Service, provided such changes do not materially affect your paid access during the current billing period.

9. Limitation of Liability

9.1 Nothing in these Terms limits or excludes liability for:

• Death or personal injury caused by negligence.

• Fraud or fraudulent misrepresentation.

• Any other liability that cannot be limited under law.

9.2 Subject to clause 9.1, our total liability for all claims in any 12-month period is limited to the total subscription fees you paid in that period.

9.3 We are not liable for:

• Indirect, incidental, special, or consequential losses.

• Loss of profits, revenue, or data.

10. Suspension & Termination

10.1 You may cancel your subscription at any time via your Account settings. Cancellation will take effect at the end of your current billing period.

10.2 We may suspend or terminate your Account immediately if:

• You breach these Terms.

• You fail to pay subscription fees when due.

10.3 Upon termination, your access to the Service will cease, but sections relating to intellectual property, disclaimers, limitation of liability, and governing law will survive termination.

11. Changes to These Terms

11.1 We may amend these Terms from time to time.

11.2 Material changes will be notified at least 14 days in advance via email or in-app notice. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.

12. Governing Law & Jurisdiction

12.1 These Terms are governed by and construed in accordance with the laws of England and Wales.

12.2 The courts of England and Wales will have exclusive jurisdiction, except where consumer protections in your country provide otherwise.

13. Multi-User & Partner Access

If you create or manage multiple accounts (e.g., for clients or team members), you are responsible for ensuring all users comply with these Terms. You may not resell or sublicense access to the Service without our written permission.

14. Force Majeure

We are not liable for delays or failures to perform resulting from events beyond our reasonable control, such as natural disasters, cyberattacks, or government actions.

15. Entire Agreement

These Terms, together with the Privacy Notice and any related policies, constitute the entire agreement between you and Cognaris Ltd regarding the Service and supersede any prior agreements or representations.

16. Beta Features

Certain features may be released in beta. Such features are provided as-is and may be modified or removed without notice.

17. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

18. Contact Information

If you have questions or concerns about these Terms, please contact us at the address below.

Cognaris Ltd

2nd Floor, College House, 17 King Edwards Road, Ruislip, London, HA4 7AE. UK

Email: info@cognaris.ai

For legal notices or service of process, please address correspondence to the attention of Legal Department - Cognaris Ltd.

Last Updated: October 2025