These Terms of Use (“Terms”) govern your access to and use of cogmerix.com, including its webpages, materials, and features (collectively, the “Website”).
The Website is owned and operated by COGMERIX SOLUTIONS INC. (“COGMERIX,” “we,” “us,” or “our”).
By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.
1. Purpose of the Website
The Website provides general information about COGMERIX, including our perspectives, capabilities, practice areas, experience, and potential services.
Website content is provided for general informational and business-development purposes. It is not advice or a recommendation tailored to any particular organization, transaction, system, investment, or decision.
2. No Client Relationship
Using the Website, submitting an inquiry, or communicating with COGMERIX does not by itself create a consultant-client, accountant-client, fiduciary, partnership, agency, or other professional relationship.
A professional engagement is created only through a written agreement accepted by authorized representatives of COGMERIX and the client.
Where these Terms conflict with a signed client engagement agreement concerning the applicable services, the engagement agreement will govern that engagement.
3. No Professional Advice
Website content does not constitute accounting, audit, tax, legal, investment, engineering, cybersecurity, regulatory, or other specialized professional advice.
Although COGMERIX draws upon professional experience across finance, operations, systems, data, enterprise performance, decision architecture, and technology, Website content should not replace:
- An assessment of your organization’s circumstances;
- Independent professional advice;
- Appropriate management review;
- Legal or regulatory analysis; or
- Informed professional judgment.
You remain responsible for decisions made using or in reliance upon Website content.
4. Accuracy and Availability
COGMERIX seeks to provide useful and reliable information. However, business, regulatory, and technological conditions change.
We do not guarantee that:
- Website content is complete, current, or error-free;
- The Website will always be available or uninterrupted;
- Technical defects will be corrected immediately; or
- Any specific result will be achieved from using the information provided.
We may modify, suspend, or discontinue any part of the Website without notice.
5. Intellectual Property
Unless otherwise indicated, the Website and its contents are owned by or licensed to COGMERIX and are protected by copyright, trademark, and other intellectual-property laws.
Protected content includes the COGMERIX name, logo, visual identity, written content, frameworks, diagrams, methodologies, videos, graphics, service descriptions, case studies, and downloadable materials.
You may view and print reasonable portions of the Website for your own internal, non-commercial evaluation of COGMERIX and its services.
Without our prior written permission, you may not:
- Reproduce, republish, sell, license, or commercially exploit Website content;
- Present COGMERIX content as your own;
- Remove copyright, trademark, or proprietary notices;
- Create derivative works from protected content;
- Use COGMERIX frameworks or methodologies to deliver competing services;
- Systematically scrape or extract Website content;
- Use Website content to train or enhance an artificial-intelligence system; or
Use the COGMERIX name or brand in a way that implies endorsement or affiliation.
6. Acceptable Use
You may use the Website only for lawful purposes.
You must not:
- Attempt to gain unauthorized access to the Website, systems, or data;
- Interfere with Website security or operation;
- Introduce malware or harmful code;
- Conduct unauthorized automated scraping or data extraction;
- Submit misleading, fraudulent, unlawful, or unsolicited material;
- Impersonate another person or misrepresent your authority;
- Infringe the rights of COGMERIX or another party; or
- Assist another person in conducting a prohibited activity.
We may restrict access where we reasonably believe these Terms have been violated.
7. Information You Submit
You are responsible for ensuring that information submitted through the Website is accurate, lawful, and provided with appropriate authority.
Do not submit trade secrets, highly confidential information, or sensitive personal information through unsecured Website forms.
Information submitted through the Website will be handled in accordance with our Privacy Policy.
Submitting an idea or business description does not prevent COGMERIX from working with other organizations on similar matters, provided we continue to respect applicable confidentiality obligations.
8. Third-Party Services
The Website may contain links to third-party websites or services. Links are provided for convenience and do not necessarily represent an endorsement.
COGMERIX does not control or accept responsibility for third-party content, availability, security, products, privacy practices, or terms.
9. Case Studies and Examples
Case studies, scenarios, forecasts, and examples are provided to illustrate concepts and capabilities.
Unless expressly stated otherwise:
- Scenarios may be simplified, anonymized, adapted, or illustrative;
- Past outcomes do not guarantee future results;
- Results will vary depending on organizational circumstances; and
References to third-party organizations or products do not imply endorsement or affiliation.
10. Disclaimer of Warranties
To the maximum extent permitted by law, the Website and its content are provided on an “as is” and “as available” basis.
COGMERIX disclaims warranties or conditions concerning accuracy, availability, merchantability, fitness for a particular purpose, non-infringement, and uninterrupted operation to the extent legally permitted.
Nothing in these Terms excludes a warranty or condition that cannot lawfully be excluded.
11. Limitation of Liability
To the maximum extent permitted by law, COGMERIX and its directors, officers, employees, contractors, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive loss arising from the Website or its content.
This includes loss of revenue, profit, opportunity, data, goodwill, productivity, or business continuity.
To the maximum extent permitted by law, COGMERIX’s total liability arising from your use of the Website will not exceed CAD $100.
These limitations do not apply to liability that cannot legally be excluded or limited.
12. Privacy
Our handling of personal information through the Website is described in the COGMERIX Privacy Policy, which forms part of these Terms.
13. Changes to These Terms
We may revise these Terms periodically. Updated Terms will be posted on the Website with a revised effective date.
Your continued use of the Website after revised Terms are posted constitutes acceptance of the changes to the extent permitted by law.
14. Governing Law
These Terms and your use of the Website are governed by the laws of the Province of Nova Scotia and the federal laws of Canada applicable in Nova Scotia.
Subject to applicable law, the courts of Nova Scotia will have jurisdiction over disputes arising from these Terms or the Website.
15. General Provisions
If a provision of these Terms is found to be invalid or unenforceable, it will be limited or severed to the minimum extent necessary. The remaining provisions will continue in effect.
A failure by COGMERIX to enforce a provision does not waive that provision or any other right.
16. Contact Us
Questions concerning these Terms may be directed to:
COGMERIX SOLUTIONS INC.
Email: umerfico@gmail.com
Website: cogmerix.com
