Terms and Conditions

Welcome to COGENCY GROUP LLC

These terms of service (the "COGENCY GROUP Terms") represent a binding legal agreement between you ("you" or "your") and COGENCY GROUP LLC (" us" or " our" or "COGENCY GROUP LLC") and govern the provision and use of our services, including the COGENCY GROUP LLC mobile applications and websites (www.cogencyg.com) (the "App", "Website" or “ERP”), software and all types of code (source code, binary code etc.) (the "Software"), hardware, and other products and services, information, tools, features and functionality including content, updates and new releases (together, the "Services"), or otherwise the relationship between you and us in connection with the Services.

The COGENCY GROUP LLC Terms comprise the terms and conditions set forth herein, but also any additional terms and conditions, policies, rules, guidelines, rates, offers or similar as published in the App or on the Website relating to the Services available in the App and at the Website. You should read them all carefully and retain them for your records. If you don't agree to the term and conditions set forth herein, please don't use the Services.

You should be aware that some of the products and services made available to you in the App are not provided by us but are instead offered and provided by third parties (herein referred to as "Partner Services" and our "Partners"). These Partners have their own agreements (the "Partner Agreements") that will apply to you when you use the Partner Services. The Partner Agreements are attached to the COGENCY GROUP LLC Terms as Schedules. By accepting the COGENCY GROUP LLC Terms and utilizing the Partner Services (as applicable), you also accept the Partner Agreements. The Partner Agreements constitute a separate agreement between you and our Partners and shall govern your use of the Partner Services and your relationship with our Partners. Some of the Partner Services or Services may not be available to you depending on the level of identity verification you have completed. We reserve the right to require any level of or additional identity verification to access any of the Partner Services or Services, in our sole discretion.

By applying for or otherwise retaining, using the Services and/or any Partner Services (or any part thereof), you represent and warrant that: (i) you are at least 21 years of age (or older if you reside in a state where the legal age of COGENCY GROUP LLC is older) and are fully able and competent to conclude the terms and conditions set out herein; (ii) you are a U.S. resident or have a valid work permission; (iii) you have provided us with a verifiable U.S. street address (not a P.O. Box); (iv) all information that you provide to us in connection with the Services and/or Partner Services is true, correct, up-to-date and complete; and (v) that you have read and understand the COGENCY GROUP LLC Terms and the Partner Agreements, and agree to be bound by and to comply with their terms and conditions.

COGENCY GROUP LLC is a Georgia limited liability company whose office is at 4500 Satellite Blvd. Duluth, GA 30096, USA.

In consideration of you agreeing to abide by the terms and condition of the COGENCY GROUP LLC Terms, we grant you a limited, non-transferable, non-sublicensable, non-exclusive, revocable license to use the App, the Website and other parts of the Services provided or made available to you by COGENCY GROUP LLC or our Partners as a vendor or visitor. You may download a copy of the App onto a Device which you control and to view, use and display the App for your business purposes only. We reserve all other rights.

Without limiting the aforesaid, in relation to the App, we license the use of the App to you subject to your adherence to terms and conditions of the COGENCY GROUP LLC Terms, in addition your use of the App is subject to any rules or policies applied by the company who owns the browser use to access to our APP / PLATFOMR / ERP. We do not sell the App / PLATFOMR / ERP to you. We always remain the owners of the App / PLATFOMR / ERP.

You may not copy, modify, adapt, redistribute, decompile, reverse engineer, disassemble, or create derivative works of the Software, the App, Website or, to the extent applicable, any other part of the Services (or permit or assist any third party in such activities). You must not remove, obscure, or alter any proprietary rights notices (including copyright and trademark notices) that may be affixed to or contained within the Software.

The Software may contain open-source software. Any use, reproduction and distribution of components of the Software licensed under an open-source software license is governed by the terms of such open source software license, however to the extent permissible thereunder and otherwise if applicable, the Terms of Service shall apply with priority over such open source software license. You acknowledge that you have no right to have access to the Software or other parts of the Services (where applicable) in source-code form.

All ownership and intellectual property rights in or to the Software, App, Website or, to the extent applicable, other parts of the Services and any copies and derivative works thereof (regardless of form or media in or on which the original or other copies may exist), including but not limited to patents, design rights, copyrights, trademarks, trade-secrets and proprietary know-how, shall be owned by and vested in COGENCY GROUP LLC (or our Partners, to the extent applicable), or any third party licensors, and nothing in the COGENCY GROUP LLC Terms shall constitute or be interpreted as a transfer of any such rights from COGENCY GROUP LLC (or any third party licensor of COGENCY GROUP LLC) to you or anyone else. You are, as stated above, solely entitled to the limited license to the Services specifically granted under the COGENCY GROUP LLC Terms. For the purpose of clarification, nothing in these terms give you a right to use any of our or our Partner's trade names, trademarks, service marks, logos, domain names, or other distinctive brand features, except as may be contained in or otherwise used within the Services or Partner Services provided to you.

The licenses granted to you as described in this section will terminate automatically in the event of termination of the COGENCY GROUP LLC Terms. Furthermore, we have the right to, in its sole discretion, at any time remove any materials posted to the Website.

For customer service, please visit the help and support sections available in the App and/or on the Website or get in contact with our customer service agents by phone or by email. Customer Service Email: [email protected] for how-to-use questions and [email protected] for technical problems.

Customer Service Number: (470) 409-4008 available Monday through Friday 10:00AM - 3:00PM EST.

Below is an overview of the main services and products currently available. Please visit the App and Website for more detailed information.

1. ERP

COGENCY GROUP LLC uses the SIMPLEXAAS ERP platform to manage projects and all vendors will be provide with an access which its cost will be deducted from their paycheck ($99.00/m per user) The support of this platform will be managed on tier 1 level by Cogency Group’s technical support and Level 2 and 3 by the provider of the platform service which si SIMPLEXAAS.

Prohibited Use and Restrictions

You agree to use the Services and the Partner Services only in such way that is permitted by the COGENCY GROUP LLC, Terms, and the Partners Agreements, and to comply with applicable law and regulation. If any laws applicable to you restrict or prohibit you from using the Services and/or the Partner Services, you must comply with those legal restrictions or, if applicable, stop accessing and/or using the Services. The list below provides examples of prohibited conduct and shall not be considered exhaustive - you may not, and you agree not to:

Use the Services and Partner Services for any unlawful purpose, in any manner inconsistent with the COGENCY GROUP LLC, Terms or the Partner Agreements, or to act fraudulently or maliciously example: by hacking into or inserting malicious code, including viruses, or harmful data, into the App, Website, Software or any other parts of the Services or any operating system.

Infringe our or our Partner`s intellectual property rights, or those of any third party in relation to your use of the Services or Partner Services (to the extent that such use is not licensed to you under the COGENCY GROUP LLC Terms or Partner Agreement).

Transmit any communications that is defamatory, offensive, or otherwise objectionable in relation to your use of the Services and Partner Services.

Not use the Services and Partner Services in a way that could damage, disable, overburden, impair or compromise our or any third party's systems or security or interfere with other users;

Collect or harvest any information or data from the Services or Partner Services or any applicable systems or attempt to decipher any transmissions to or from the servers running the Services or Partner Services;

Submit or post to the Website, or otherwise expose any third party to or use any material or content which infringe any third party`s intellectual property rights or violate the rights of any third party;

Submit or post to the Website, or otherwise expose any third party to any material or content which is illegal, offensive, indecent, harmful to minors, defamatory, racist, pornographic or otherwise, in our sole discretion, is objectionable;

Intercept or monitor, damage or modify any communication which is not intended for you;

Sell, assign, rent, lease, distribute, market, disclose, export, import, act as an intermediary or provider, or otherwise grant rights to third parties regarding the Services and/or Partner Services or any part thereof.

We are entitled to, in our sole discretion, immediately without prior notice or warning suspend the provision of the Services and/or Partners Services (or any part thereof) and/or terminate the COGENCY GROUP LLC Terms if we determine you are using the Services or the Partners Services or otherwise acting in breach of the COGENCY GROUP LLC, Terms and/or Partner Agreements, or for the purpose of protecting you, us or our Partners. The aforesaid does not limit any other rights that we may have under the COGENCY GROUP LLC Terms or Partner Agreements or applicable law.

5.4 Your Submission of Feedback

You agree that any comments, suggestions, feedback, documents, content or other material or information provided, shared, published by you in connection with the use of the Services or Partner Services, or otherwise in your contacts with us or our Partners (including but not limited to, the use of blogs, email, forums and customer support functions) is provided on a non-proprietary, non-exclusive and non-confidential basis. You grant us a royalty-free, world-wide, transferable, sub-licensable, perpetual and irrevocable license to use any such material or information (of course subject to our and/or our Partners privacy policies). You acknowledge that you are responsible for whatever material or information is provided by you, including its legality, reliability, appropriateness, originality and copyright.

5.5 Disclosure of Information

We reserve the right at all times to disclose any data or information (in any form) as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove or restrict any information or materials, in whole or in part, in our sole discretion. For more details, please review to our Privacy Policy.

5.6 No Warranties

You expressly acknowledge and agree that the provision and use of the Services and/or the Partners Services are at your sole risk and that the entire risk as to satisfactory quality, performance, accuracy and effort is with you. To the maximum extent permitted by applicable law, the Services and/partners Services are provided "AS IS" and "AS AVAILABLE", with all faults and without warranty of any kind, and we hereby disclaim all warranties and conditions with respect to the Services and Partners Services, either express, implied or statutory, including, but not limited to, the implied warranties and/or conditions of merchantability, of satisfactory quality, of fitness for a particular purpose, of accuracy, of quiet enjoyment, and non-infringement of third party rights. We do not warrant against interference with your enjoyment of the Services or that the Services will be uninterrupted or error-free, or that defects in the Services will be corrected. No oral or written information or advice given by us shall create a warranty. Should the service cause any defects, you assume the entire cost of all necessary servicing, repair or correction. Additionally, you also understand that we cannot guarantee that information or communications transmitted in relation to the use of Services will not be subject to interception by law enforcement officials or other third parties.

5.7 Suspensions and Interruptions of the Services

We and our Partners have the right to immediately, without any liability, refuse to provide, restrict, limit, change, remove, disable, suspend and/or interfere or interrupt the Services and the Partner Services or any part thereof, at any time and without any prior notice to you, for the repair, improvement, and/or upgrade of the Service, or for any of the reasons for termination set forth in the Terms of Service, or any corporate or business reason.

6.1 Billing Errors

Except as provided by law, all purchases under the COGENCY GROUP LLC, Terms and Partner Agreements are final and non-refundable. If you believe that we or any of our Partners have charged you in error, you must provide a written request in English to our Customer Service within 90 days of such charge (for contact details see Section 3 above). No refunds will be given for any charges more than 90 days old. For the avoidance of doubt, no refunds shall be given for services paid or credit acquired through vouchers, gift tokens or similar. We reserve the right to deny repetitive refund requests.

6.2 Account and Receipt

When you log into your COGENCY GROUP LLC, Account (i.e. in the App) you will find certain information relating to your use of the Services and the Partner Services, such as receipts and payments made, calling history and your current balance ("COGENCY GROUP LLC Account Records"). It is your responsibility to retain and save copies of your COGENCY GROUP LLC Account Records for future reference.

We will use commercially reasonable efforts to correct any technical failures relating to your COGENCY GROUP LLC Account Records within a reasonable time. However, your inability to view your COGENCY GROUP LLC Account Records does not extend, or relieve you of, your obligation to pay any amounts owing to us or our Partners.

7. TERMINATION AND DEACTIVATION

The COGENCY GROUP LLC Terms (and Partner Agreements) are effective until terminated by you or us. Both you and we may terminate the COGENCY GROUP LLC Terms (cancel your COGENCY GROUP LLC Account, the Services etc.) for any and all reasons, immediately, at any time and without prior notice.

You may terminate the COGENCY GROUP LLC Terms (and Partner Agreements) by contacting our Customer Support (see contact details in Section 3 above).

You acknowledge and agree that our offer and provision of the Services (the use of you COGENCY GROUP LLC Account) and Partner Services to you are conditioned upon you remaining entitled and otherwise eligible to acquire the Services and the Partner Services, hence the termination (or deactivation) of a Partner Service may implicate the immediate termination of the COGENCY GROUP LLC Terms (or the deactivation of your COGENCY GROUP LLC Account, as applicable).

You acknowledge and agree that we and/or our Partners are under no obligation to provide the Services and/or the Partner Services to you, and that we or our Partners shall not be liable to you or to any other party for any limitation, suspension, discontinuance, termination or modification of the of the Services, the Partner Services, the COGENCY GROUP LLC Terms and/or the Partner Agreements.

On termination (for any reason): all rights granted to you hereunder or under any Partner Agreement shall cease immediately; you must immediately stop using the Services and Partner Services and otherwise cease with all activities authorized under the COGENCY GROUP LLC Terms or the Partner Agreements, including but not limited to, delete or remove the App, the Software and other parts of the Services (where applicable) from all your Devices, and immediately destroy all copies of the same then in your possession, custody or control. We shall execute the termination by preventing you to access and/or use of your COGENCY GROUP LLC Account or other parts of the Services or the Partner Services. The termination of the COGENCY GROUP LLC Terms and/or Partner Agreements will not affect any of our rights or your obligations arising under aforesaid terms and agreements prior to termination.

8. MISCELLANEOUS

8.1 Assignment

We may assign all or part of our rights and/or obligations under the COGENCY GROUP LLC Terms without notice to you (the same right applies for our Partners in relation to the Partner Agreements). You are not allowed to assign any rights or obligations under the COGENCY GROUP LLC Terms or any Partner Agreement to any third party without our prior written consent.

8.2 Limitation of Liability

IN NO EVENT SHALL WE, NOR SHALL OUR SUBSIDIARIES, AFFILIATES OR PARTNERS OR ANY OTHER SERVICE PROVIDER WHO FURNISHES SERVICES IN CONNECTION WITH THE SERVICES OR PARTNER SERVICES (OR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OF THE AFORESAID ENTITIES), TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR INCIDENTAL DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF MONEY, DATA, GOODWILL, REPUTATION, PROFITS, BUSINESS INFORMATION OR INTERRUPTION, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF OR INABILITY TO USE THE SERVICES OR PARTNERS SERVICES OR OTHERWISE ARISE UNDER OR IN CONNECTION WITH THE COGENCY GROUP LLC TERMS OR PARTNER AGREEMENTS, EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN ANY EVENT, AND WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT OUR AND EACH OF OUR PARTNER`S (AND EACH OF THE OTHER AFOREMENTIONED THIRD PARTY`S) TOTAL AND AGGREGATED LIABILITY TO YOU (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, WARRANTY, OR OTHERWISE) FOR ANY AND ALL DAMAGES, COSTS OR LOSSES THAT ARISE IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE SERVICES AND/OR PARTNER SERVICES, OR OTHERWISE ARISE UNDER OR IN CONNECTION TO THE COGENCY GROUP LLC TERMS OR ANY PARTNER AGREEMENT, SHALL NOT IN ANY CIRCUMSTANCE EXCEED THE AMOUNT ACTUALLY PAID BY YOU TO US OR OUR PARTNERS FOR THE SERVICES AND/OR PARTNERS SERVICES DURING THE MOST RECENT FIVE (5) MONTHS PRIOR TO THE DATE OF THE EVENT GIVING RISE TO THE RELEVANT CLAIM, HOWEVER SUBJECT TO A MAXIMUM LIMITATION OF USD 1,000.00.

8.3 Indemnity

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD US AND OUR PARTNERS HARMLESS, INCLUDING OUR AND OUR PARTNERS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND SERVICE PROVIDERS, FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, COSTS, LOSSES, DEMANDS, TAX ASSESSMENTS, JUDGMENTS, GOVERNMENTAL INVESTIGATION OR ENFORCEMENT ACTION, PENALTIES, INTEREST AND EXPENSES (INCLUDING WITHOUT LIMITATION REASONABLE ATTORNEYS FEES) MADE BY ANY THIRD PARTY DUE TO, ARISING OUT OF OR RELATING TO (I) YOUR ACCESS TO AND USE OF THE SERVICE AND/OR PARTNER SERVICES; (II) YOUR VIOLATION OF ANY OF THE TERMS AND CONDITIONS OF THE COGENCY GROUP LLC TERMS AND/OR ANY PARTNER AGREEMENT (INCLUDING ACTUAL OR ALLEGED BREACH OF YOUR REPRESENTATIONS AND WARRANTIES), OR ANY APPLICABLE LAW OR REGULATION; (III) YOUR VIOLATION OF ANY THIRD-PARTY RIGHT, INCLUDING WITHOUT LIMITATION ANY INTELLECTUAL PROPERTY RIGHT, PUBLICITY, CONFIDENTIALITY, PROPERTY OR PRIVACY RIGHT; (IV) ANY OTHER PARTY'S ACCESS AND/OR USE OF THE SERVICES AND/OR PARTNER SERVICES WITH YOUR UNIQUE NAME, PASSWORD OR OTHER APPROPRIATE SECURITY CODE; OR (V) ANY DISPUTES OR ISSUES BETWEEN YOU AND ANY THIRD-PARTY. WE RESERVES THE RIGHT TO ASSUME OR PARTICIPATE, AT YOUR EXPENSE, IN THE INVESTIGATION, SETTLEMENT AND DEFENSE OF ANY SUCH ACTION OR CLAIM.

8.4 Applicable Law and Jurisdiction

The COGENCY GROUP LLC Terms shall be governed by the laws of the State of Florida except to the extent governed by federal law, without regard to any conflicts of law provisions that provide for the application of the law of another jurisdiction.

Any claim, dispute, or controversy ("Claim") between you and us, including our (if any) successors, affiliates or assignees as well as any other third party, arising out of or relating in any way to the COGENCY GROUP LLC Terms, your use of the Services or otherwise, no matter how described, pleaded or styled, shall be finally and exclusively resolved by binding confidential individual arbitration conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules in your state of residence at a location that is reasonably convenient for both parties.

ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO A TRIAL BY JUDGE OR JURY.

We will pay the initial filing fee to commence the arbitration.

You and we will have every remedy available in arbitration as you and we would have from a court and will be entitled to reasonable discovery. All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made finally and exclusively by the arbitrator. The arbitrator's award will be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction

NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION.

This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. §§ 1-16.

IF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT USE THE SERVICES OR ANY PARTNER SERVICES, NOTIFY US IMMEDIATELY FOR TERMINATION OF THE COGENCY GROUP LLC TERMS AND PARTNER AGREEMENTS.

8.5 Entire Agreement

The COGENCY GROUP LLC Terms represent the entire agreement between you and us relating to the use of the App, Website, your COGENCY GROUP LLC Account and/or any other part of the Services, and supersedes all prior offers, understandings, agreements and representations with respect to the Services or any other subject matter covered by the COGENCY GROUP LLC Terms. For the purpose of clarification, the COGENCY GROUP LLC Terms supersede all offer, promises or similar made to you by our client services agents, representatives or employees. The COGENCY GROUP LLC Terms may not be modified or amended except as described herein.

If a court finds any provision of the COGENCY GROUP LLC Terms or any Partner Agreement to be invalid or unenforceable for any reason, the remainder of the COGENCY GROUP LLC Terms or such Partner Agreement shall continue in full force and effect.

If we or any Partner (as applicable) fail to insist that you perform any of your obligations under the COGENCY GROUP LLC Terms or any Partner Agreement, or if we or a Partner do not enforce our rights against you, or if we delay in doing so, that will not mean that we or the Partner have waived our rights against you and will not mean that you do not have to comply with those obligations. If we or any of our Partners waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

8.6 Headings

Headings used in the COGENCY GROUP LLC Terms or any Partner Agreement are for convenience purposes only and shall not be deemed to limit or affect any of the provisions hereof.

8.7 Translations of the COGENCY GROUP LLC Terms and Partner Agreements

The official version of the COGENCY GROUP LLC Terms, COGENCY GROUP LLC Promotional Offers and the Partner Agreements is in the English language. Any translations are provided merely for convenience of the customers and shall not be legally binding. In the event of any conflict between a non-the English language version and the English version, the English version shall prevail.

8.8 Force Majeure

You acknowledge and agree that if we and/or any of our Partners are unable to provide the Services and/or Partner Services as a result of a force majeure event, neither we nor our Partners shall be in breach of any of our obligations towards you under the COGENCY GROUP LLC Terms and/or Partner Agreements. A force majeure event means any event beyond the reasonable control of COGENCY GROUP LLC and/or the Partners.

8.9 Consent to Use Electronic Communications

8.10 Communication Policy

This COGENCY GROUP LLC Communication Policy applies to the contact information you provide to COGENCY GROUP LLC or its Partners at any time and through any channel. For example, the information you provide to us on the COGENCY GROUP LLC website, the App, COGENCY GROUP LLC social media sites, via email, chat, phone and any other interaction you have with us (together "Your Information"). When you provide Your Information and open an account you accept this policy. Please also see the COGENCY GROUP LLC Privacy Policy and the COGENCY GROUP LLC Terms of Service for additional information about how your information is collected and used.

By attempting to open a COGENCY GROUP LLC Account you agree to this policy and you certify that you are a U.S. resident and that you are of legal age in your state of residence.

How we will use Your Information to communicate with you

We will use Your Information to communicate with you. Methods we will use to communicate with you include mail, email, phone calls and voicemails, text messages, alerts from the native apps, messages inside the native apps, messages in the COGENCY GROUP LLC website, messages on social media and any other means of communication. For any calls or text messages, your mobile provider may charge you according to the type of plan you carry and you are responsible for such charges.

We may communicate with you about your account, examples include: to alert you if there is suspected fraud on your account, to alert you about purchases made with your card, to remind you of a payment due, to request you make a payment, to offer you other COGENCY GROUP LLC products, or for any other reason related to your COGENCY GROUP LLC account. You agree that any such communication is not unsolicited for purposes of federal or state law.

PHONE COMMUNICATION: You also agree that we can contact you on all the phone numbers you provide to us, phone numbers you use to call us or other numbers that we reasonably believe belong to you, whether they are mobile numbers or landlines. You agree that we can call you at any of these numbers using an automated dialer and/or using an artificial or prerecorded voice. You may opt out of receiving these calls at any time and consent to receive calls is not a condition of having a COGENCY GROUP LLC account. However, if you opt out your account activity and the services you receive may be limited. For example, you may not be able to receive automated calls about suspected fraud on your account. If at any time you wish to withdraw your consent, you can contact us via any channel - email, mail or phone. If you prefer you can send us an email to support@Cogency Group LLCapp.com.

TEXT MESSAGES: we use text messages as a means of verification when you first sign up for COGENCY GROUP LLC, to provide you important disclosures, to verify your identity when you access certain features of your account or change devices and for other reasons as part of servicing your COGENCY GROUP LLC Account. You can opt out of receiving text messages but your access to your COGENCY GROUP LLC Account will be significantly limited if you do so. For example, you may not be able to access your Account to pay your bill online or on the native apps. We may close your Account if you opt out of text messages, but you will still be responsible for paying your balance if you have one. If at any time you wish to withdraw your consent, you can contact us via any channel email, mail or phone. If you prefer you can send us an email to support@Cogency.

MONITORING AND RECORDING: we may monitor, tape or record telephone calls with you, including when you call us or when we call you.

By agreeing to our terms of service you are also agreeing to Dwolla's Terms of service

This version of the COGENCY GROUP LLC, Terms is effective as from: November 26, 2021.