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Terms & Conditions

  1. Introduction

    1. These terms and conditions ('Terms') apply to your use of our mobile application ('App') and our services described below and form part of the agreement between you and ('Cogen', 'we', 'us'). 

    2. By using the Cogen Website (the “Platform”) and our products (the “Services”) you agree to these Terms. You should read these Terms carefully along with our Privacy Policy, and only use our service if you agree to them.

    3. These Terms have no fixed or minimum duration. They will apply until either you or we end this agreement.

    4. You can review the current version of the Terms at any time on this page. We reserve the right to change the Terms at any time by posting updates to this page. If we make substantial changes, or if we are required to do so by law, we will notify you of such change in advance to the email address associated with your Cogen account, but it is your responsibility to check this page from time to time to make sure you’re aware of any changes to these Terms.

  2. Cogen’s services

    1. Cogen provides free cyber risk assessment based on the information you submitted. In the future, we will provide the cyber insurance that covers different cyber risks.

    2. We are constantly developing and improving the Cogen Website, so we will also tell you about new features of Cogen that we’ve launched that you might not be aware of, as well as telling you about features of Cogen that we can see you've not used.

    3. We will provide the Services using reasonable skill and care and in accordance with our legal and regulatory obligations.

    4. We reserve the right (without liability to you or prejudice to our other rights) to suspend your access to or use of the Services (including through deactivation of your Cogen Account) without notice in the event you breach, or we reasonably suspect that you have breached or will breach, these Terms.

  3. What the platform or services does not do

    1. You hereby acknowledge that we do not verify any data, information or other content posted, uploaded or transmitted by users of the Services and, as such, it is your sole responsibility to check, confirm and satisfy yourself as to the accuracy of any such content as well as any information presented to you as part of the Services which is derived from such content. We provide no warranty and accept no responsibility for the accuracy or completeness of such content displayed on the Platform.

    2. You, not us, are responsible for keeping copies of any information you provide to us. The Services do not include storage or back-up services; and we shall not be liable to you for any loss of such information (subject to our legal obligations to you as data controller of personal data).

  4. Access to the Website

    1. Cogen will make reasonable efforts to make the Platform and Services available 24 hours a day, 7 days a week. Notwithstanding this, you hereby acknowledge that your use of the Platform and the Services may be interrupted from time to time, for example, when we perform maintenance services or as a result of delays or delivery failures resulting from the use of communications networks and facilities.

    2. Access to the Platform and use of the Services is provided on an “as is” basis which means that we do not warrant the Platform or Services will be error-free at all times, and we shall not be liable to you for failure of the same.

  5. Intellectual property

    1. You acknowledge that all intellectual property rights in the Platform and the Services anywhere in the world belong to us or our licensors, and that you have no rights in or to the Platform or the Services other than the right to use each of them in accordance with these Terms.

  6. Applicable law

    1. These Terms, and all our dealings with you are governed by the laws of England and Wales. Any dispute can be dealt with by an English or Welsh court unless your address is in Scotland (where it will be dealt with by the courts of Scotland); or Northern Ireland (where it will be dealt with by the courts of Northern Ireland).

    2. These Terms are provided in English.