Terms of Use

Last updated: 24 August 2026

Educational use only

Cognivay explains concepts. Nothing here is financial, legal, medical or tax advice, and calculator output is an illustration, not a guarantee of returns.

Accuracy and sources

Explanations cite their sources. If something is wrong, flag it with the clarity buttons on the page — flagged content is reviewed before it stays live.

Cognivay Plus

Plus is billed monthly at $1.99 once billing is live. You can cancel any time and keep access until the end of the paid period.

Acceptable use

Don't scrape the library at scale, resell the content, or attempt to disrupt the service.