Updated: 14.07.2025

Terms of Service

Cogknit Oy (3376829-4) is a company registered in Helsinki, Finland at Cogknit Oy

c/o Hanken Business Lab, Arkadiankatu 22, 00100 Helsinki, Finland. In these Terms of Service (“Terms”), we refer to ourselves as "Cogknit," "we," "us," or "our," and our platforms, features and tools collectively as "Services”. We operate (https://app.cogknit.io/) and (https://app.lukla.ai) (“Sites”). You can contact us by email at contact@cogknit.io

These Terms constitute a legally binding agreement between you, whether personally or on behalf of an entity ("you"), and Cogknit, concerning your access to and use of our Services. You acknowledge that by accessing the Services, you have read, understood, and agreed to be bound by all of these Terms and our Privacy Policy.

If you do not agree with all of these terms, then you are prohibited from using the services and you must discontinue use immediately.

The Services are intended for users who are at least 13 years old or the age of majority in their jurisdiction, whichever is greater. Our Sites serves learners seeking career and/or entrepreneurial development, company or institutional users seeking talents, training solutions and providing their services, creators developing educational contents, and mentors providing professional guidance. Persons under the applicable age are not permitted to use or register for the Services. We recommend that you print or save a copy of these Terms for your records.

1. Accounts & Eligibility

   1. Create an account with complete and accurate information. Users must be at least 13 years old. Users under 16 require verifiable parental/guardian consent per our Privacy Policy.

   2. Institutions, companies, and authorities must designate authorized representatives for accounts.

   3. Maintain account credentials confidentially and promptly report unauthorized use.
      

2. User Roles & Responsibilities

   1. Individual Users (Users) shall use the Sites responsibly for education, innovation and employment purposes only, respecting local laws, regulations, and these Terms.

   2. Users of Education Institutions shall provide accurate information about courses, programs, projects, research, assessments and related offerings.

   3. Users of Companies shall use the Sites ethically for talent identification, opportunities, research, development, innovation, hiring, courses creation, and skill development and hiring initiatives.

   4. Users as Official Authorities shall leverage the Sites to provide integrated learning, advisory and innovation services for developing talents and promoting innovation.

   5. All users shall respect the intellectual property rights of the rightful owner as indicated in each case within the Sites or mutually agreed separately.
      

3. User Content

   1. Users may create, share, sell, purchase and collaborate on profiles, courses, assignments, projects, assessments, discussion forums, comments, notes, events, skills assessments or evaluations, attachments, jobs, projects, internships, mentorships, vibe matches, roadmaps, playground quizzes, sessions, communities, events and other content ("User Content").

   2. Unless agreed otherwise, Users own their User Content but grant Cogknit a worldwide, non-exclusive, unrestricted, unlimited, irrevocable, perpetual, non-exclusive, royalty-free, fully paid, sublicensable, and transferable license to use, reproduce, distribute, sell, resell, publish, broadcast, retitle, create derivative works of display, perform, reformat, translate (in part or whole), and leverage your Content (including, without limitation, your image, identity, and voice) for any purpose, commercial, advertising, or otherwise, to prepare derivative works of, or incorporate into other works, your Content, and to sublicense the permissions granted in this section. Our use and distribution may occur in any media format and through any media channels. This authorization includes our use of your identity, company identity, and franchise identity, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. User Content developed within the scope of ‘Projects’, ‘Events’, ‘Courses and Digital products’, ‘Sessions’, ‘Roadmaps’, and ‘Playground’, are governed additionally by agreed separate ‘Terms and Conditions’ of the respective scope of engagement and/or features themselves, separate agreements among the users, and/or in good faith generally.

   3. Subject to your compliance with these Terms, including the prohibited conduct section below, we grant you a non-exclusive, non-transferable, revocable license to: access the Services and Sites; and download or print a copy of any portion of user content to which you have rightful access, including content accessible through purchased products or services within the Sites, solely for your personal, non-commercial use or internal purposes. Except as set out in this section or elsewhere in these Terms; no part of the Services, Sites, or content (other than your own rightful user content) may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our explicit prior written authorization via contact@cogknit.io.We retain all privileges not specifically granted to you in and to the Services, Sites, and content. Any violation of these intellectual property rights shall represent a significant breach of these Terms, and your right to use our Services will terminate immediately.

   4. Users are solely responsible for ensuring their User Content is legal, accurate, and inoffensive.

   5. Cogknit may remove any User Content violating these Terms without notice.
      

4. Prohibited Conduct
   Users must access and use our Sites and Services only for legal, authorized, and acceptable purposes. Users shall not engage in unlawful, unethical or disruptive conduct like harassment, abuse, hacking, malware distribution, impersonation or unsolicited advertising within and outside the Services based on the data accessed via the Sites. Users are solely responsible for all of their generated content including texts, images, links, documents, comments, engagements such as likes or upvotes and so on.
   

5. Intellectual Property

   1. Sites and proprietary content of Services are owned by Cogknit and protected by governing standard Finnish and European Union IP laws as applicable.

   2. Users may not copy, modify, distribute or lease any part of the Sites without permission.

   3. We may take action such as disabling, suspending or terminating User account(s) and related information in the Sites, if serious or repeated infringement of the intellectual property rights of others is detected or reported or where we are required to do so for legal reasons.

   4. If you suspect of any third-party copyright, trademark, or other intellectual property infringement in the Sites, please contact contact@cogknit.io.
      

6. Third-Party Services

   1. The Sites may integrate third-party links and services with their own terms and policies.

   2. Cogknit is not responsible for such third-party content, practices or services.
      

7. Fees & Payments

   1. Certain Cogknit services or services offered by other users within the Sites require payment of disclosed fees.

   2. Users shall make timely payments per applicable billing terms.

   3. All payments are processed through Stripe, a third-party payment processor.

   4. By making a payment, you agree to Stripe's Terms of Service and Privacy Policy.

      https://stripe.com/en-fi/legal/payment-terms

   5. All prices are displayed in their respective currency as listed by users or Cogknit itself. The currency and prices can differ for different geographic regions. It may include applicable taxes where required. Stripe manages exchange rates for currency conversion during transactions, generally applying the mid-market rate sourced from third-party providers. This rate is the average between the buy and sell prices of a currency. Stripe also factors in fees, which are detailed on their pricing page. In some cases, Stripe might use the rate at which they source the currency owed to you, especially when required by regulations or to mitigate risk.

   6. Subscription fees are billed in advance on a recurring basis.

   7. One-time purchases are charged immediately upon completion.

   8. Refunds, if applicable, will be processed through Stripe to your original payment method.

   9. Cancellations or refund requests can be made by contacting contact@cogknit.io

   10. If a payment fails, we may suspend or terminate your access to paid features.

   11. You are responsible for updating your payment information to maintain service.

   12. Referral programs may be available from time to time. When participating in any referral program, you must comply with the program's specific terms and conditions, which will be presented to you before participation and incorporated into these Terms by reference.
       

8. Termination

   1. Cogknit may suspend or terminate accounts for violations of these Terms.

   2. Cogknit may remove or edit user content if it is deemed harmful or in breach of our Terms.

   3. Upon termination, users must cease using the Sites. Cogknit may retain User Content as legally required and can report users to authorities for any legal action.
      

9. Disclaimer of Warranties

   1. The Sites are provided "as is" and "as available" without warranties.

   2. Cogknit does not warrant the Sites to be error-free, secure or uninterrupted.
      

10. Limitation of Liability

    1. Cogknit is not liable for any indirect, consequential, punitive or special damages.

    2. Cogknit's total liability is limited to fees paid by the user or organization in preceding 12 months.
       

11. Indemnification

    1. Users shall indemnify and hold Cogknit harmless from any claims or damages arising from their use or violation of these Terms.
       

12. Governing Law & Disputes

    1. These Terms are governed by the laws of Government of Finland.

    2. Disputes shall be resolved through binding arbitration per rules laid by Government of Finland.
       

13. Modifications

    1. Cogknit may modify these Terms by posting the updated version on the website.

    2. Continued use after modifications constitutes acceptance.
       

14. General

    1. These Terms and Privacy Policy constitute the entire agreement regarding the Sites.

    2. Unenforceable provisions do not affect other provisions.

    3. Failure to enforce any provision does not waive Cogknit's right to enforce it.

By using Cogknit, you accept these Terms of Service and Privacy Policy. Otherwise, refrain from accessing our services.

Contact

For any Terms queries, to seek clarification or report concerns, contact us at contact@cogknit.io

Cogknit Oy

c/o Hanken Business Lab
Arkadiankatu 22
00100 Helsinki, Finland