terms & conditions

Terms of Website Use

These Terms & Conditions of Website Use (together with the documents referred to herein) tells you the terms of use on which you may make use of our website hosted cognition.london (our Website), whether as a guest or a registered user. Use of our Website includes accessing, browsing, or registering to use our Website.

Please read these Terms & Conditions of Website Use carefully before you start to use our Website, as these will apply to your use of our Website. We recommend that you print a copy of these Terms & Conditions for future reference.

By using our Website, you confirm that you accept these Terms & Conditions of Website Use, and that you agree to comply with them.

If you do not agree to these Terms & Conditions of Website Use, you must not use our Website.

Other Applicable Terms

These Terms & Conditions of Website Use refer to the following additional terms, which also apply to your use of our Website:

If you invest in any property via our Website, our Terms and Conditions of Investment will also apply.

Information About Us

cognition.london is a Website operated by Cognition (“We”). We are registered in England and wales under Company No. 10076993, and have our registered office at 124 City Road, London, EC1V 2NX (“We”).

Changes to these Terms & Conditions

We may revise these Terms & Conditions of Website Use at any time by amending this page.

Please check this page from time-to-time to take notice of any changes we make, as they are binding on you.

Changes to our Website

We may update our Website from time-to-time, and may change the content at any time. However, please note that any of the content on our Website may be out of date at any given time, and we are under no obligation to update it.

We do not guarantee that our Website, or any content on it, will be free from errors or omissions.

Accessing our Website

Our Website is made available free of charge.

We do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. Access to our Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our Website without notice. We will not be liable to you if for any reason our Website is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to our Website.

You are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these Terms & Conditions of Website Use and other applicable terms and conditions, and that they comply with them.

Our Website is directed to people residing in the United Kingdom. We do not represent that content available on or through our Website is appropriate or available in other locations. We may limit the availability of our Website or any service offered on our Website to any person or geographic area at any time. If you choose to access our Website from outside the United Kingdom, you do so at your own risk.

Your Account and Password

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms & Conditions of Website Use.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us at admin@cognition.london

Intellectual Property Rights

We are the owner or the licensee of all intellectual property rights in our Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are hereby reserved.

You may print off one copy, and may download extracts, of any page(s) from our Website for your personal use and you may draw the attention of others within your organisation to content posted on our Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on our Website must always be acknowledged.

You must not use any part of the content on our Website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy or download any part of our Website in breach of these Terms & Conditions of Website Use, your right to use our Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

No Reliance on Information

The content on our Site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our Website.

Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up-to-date.

Limitation of our Liability

Nothing in these Terms & Conditions of Website Use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied.

We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

If you are a business user, please note that in particular, we will not be liable for:

If you are a consumer user, please note that we only provide our Website for domestic and private use. You agree not to use our Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our Website or to your downloading of any content on it, or on any website linked to it.

We assume no responsibility for the content of websites linked on our Website. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.

Different limitations and exclusions of liability will apply to liability arising as a result of the supply of any services by us to you via the Website, which will be set out in our Investor Terms and Conditions.

Uploading Content to our Website

Whenever you make use of a feature that allows you to upload content to our Website, or to make contact with other users of our Website, you must comply with the content standards set out in our Acceptable Use Policy below.

You warrant that any such contribution does comply with those standards, and you will be liable to us and indemnify us for any breach of that warranty. If you are a consumer user, this means you will be responsible for any loss or damage we suffer as a result of your breach of warranty.

Any content you upload to our Website will be considered non-confidential and non-proprietary. You retain all of your ownership rights in your content, but you are required to grant to us a limited licence to use, store and copy that content and to distribute and make it available to third parties. The rights you license to us are described in the next paragraph (Rights you Licence).

We also have the right to disclose your identity to any third party who is claiming that any content posted or uploaded by you to our Website constitutes a violation of their intellectual property rights, or of their right to privacy.

We will not be responsible, or liable to any third party, for the content or accuracy of any content posted by you or any other user of our Website.

We have the right to remove any posting you make on our Website if, in our opinion, your post does not comply with the content standards set out in ourAcceptable Use Policy.

The views expressed by other users on our Website do not represent our views or values.

You are solely responsible for securing and backing up your content.

Rights you Licence

When you upload or post content to our Website, you grant to us the right to use the content for any use anticipated by the services offered by us via the Website from time-to-time.

Viruses

We do not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programmes and platform in order to access our Website. You should use your own virus protection software.

You must not misuse our Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Website, the server on which our Website is stored or any server, computer or database connected to our Website. You must not attack our Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our Website will cease immediately.

Linking to our Website

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link to our Website in any website that is not owned by you.

Our Website must not be framed on any other site, nor may you create a link to any part of our Website other than the home page.

We reserve the right to withdraw linking permission without notice.

The website in which you are linking must comply in all respects with the content standards set out in our Acceptable Use Policy.

If you wish to make any use of content on our Website other than that set out above, please contact admin@cognition.london

Third party Links and Resources in our Website

Where our Website contains links to other sites and resources provided by third parties, these links are provided for your information only.

We have no control over the contents of those sites or resources.

ACCEPTABLE USE POLICY

This Acceptable Use Policy sets out the terms between you and us under which you may use our Website, and applies to all users of, and visitors to, our Website.

Your use of our Website means that you accept, and agree to abide by, all the policies in this Acceptable Use Policy, which supplement our Terms & Conditions of Website Use , above.

Prohibited Uses

You may use our Website only for lawful purposes. You may not use our Website: cognition.london for any unlawful purposes.

Interactive Services

We may from time-to-time provide interactive services on our Website, including, without limitation:

(together “Interactive Services”).

Where we do provide any Interactive Service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).

We will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any Interactive Service provided on our Website, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any Interactive Service we provide on our Website, and we expressly exclude our liability for any loss or damage arising from the use of any Interactive Service by a user in contravention of our Content Standards below, whether the service is moderated or not.

The use of any of our Interactive Services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an Interactive Service that it is important that they communicate with their children about their safety online, as moderation is not fool-proof. Minors who are using any Interactive Service should be made aware of the potential risks to them.

Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.

Content Standards

These content standards apply to any and all material which you contribute to our Website (“Contributions”) , and to any Interactive Services associated with it.

You must comply with the spirit and the letter of the following Content Standards. The Content Standards apply to each part of any Contribution as well as to its whole.

Contributions must:

  • Be accurate (where they state facts).

  • Be genuinely held (where they state opinions).

  • Comply with applicable law in the UK, and in any country from which they are posted.

Contributions must not:

  • Contain any material which is defamatory of any person.

  • Contain any material which is obscene, offensive, hateful or inflammatory.

  • Promote sexually explicit material.

  • Promote violence.

  • Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.

  • Infringe any copyright, database right or trade mark of any other person.

  • Be likely to deceive any person.

  • Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.

  • Promote any illegal activity.

  • Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety.

  • Be likely to harass, upset, embarrass, alarm or annoy any other person.

  • Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.

  • Give the impression that they emanate from us, if this is not the case.

  • Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

Suspension and Termination

We will determine, in our discretion, whether there has been a breach of this Acceptable Use Policy through your use of our Website. When a breach of this Policy has occurred, we may take such action as we deem appropriate.

Failure to comply with this Acceptable Use Policy constitutes a material breach of the Terms & Conditions of Website Use above, by which you are permitted to use our Website, and may result in our taking all or any of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our Website. Immediate, temporary or permanent removal of any posting or material uploaded by you to our Website. Issue of a warning to you. Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach. Further legal action against you.Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

We exclude liability for actions taken in response to breaches of this Acceptable Use Policy. The responses described in this Policy are not limited, and we may take any other action we reasonably deem appropriate.

Changes to the Acceptable Use Policy

We may revise this Acceptable Use Policy at any time by amending this page. You are expected to check this page from time-to-time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this Acceptable Use Policy may also be superseded by provisions or notices published elsewhere on our Website.

Applicable Law

If you are a consumer, please note that these Terms & Conditions of Website Use, and/or Acceptable Use Policy, and their subject matter and formation, are governed by English law. You and we both agree to that the courts of England and Wales will have non-exclusive jurisdiction. However, if you are a resident of Northern Ireland you may also bring proceedings in Northern Ireland, and if you are resident of Scotland, you may also bring proceedings in Scotland.

If you are a business, these Terms & Conditions of Website Use, and/or Acceptable Use Policy, and their subject matter and formation (and any non-contractual disputes or claims) are governed by English law. We both agree to the exclusive jurisdiction of the courts of England and Wales.

Contact us

To contact us, please email admin@cognition.london

Thank you for visiting our Website.

privacy policy

BACKGROUND:

Cognition understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect, and value the privacy of everyone who visits this website, www.cognition.london (“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.

Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site and/or You will be required to read and accept this Privacy Policy when signing up for an Account. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

1. Definitions and Interpretation

In this Policy, the following terms shall have the following meanings:

“Account”

means an account required to access and/or use certain areas and features of Our Site;

“Cookie”

means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;

“Cookie Law”

means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;

“personal data”

means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and

“We/Us/Our”

means Cognition Architecture Ltd or Cognition Estates Ltd,  limited companies registered in England under company number 10076993 and 11849326, whose registered address is 124 City Road, London, EC1V 2NX

2. Information About Us

2.1 Our Site is owned and operated by Us

2.2 Our Data Protection Manager is Carly Stutttard, and can be contacted by email at admin@cognition.london, or by post at 124 City Road, London, EC1V 2NX.

3. What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

4. Your Rights

4.1 As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:

4.1.1 The right to be informed about Our collection and use of personal data;

4.1.2 The right of access to the personal data We hold about you (see section 12);

4.1.3 The right to recertification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);

4.1.4 The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);

4.1.5 The right to restrict (i.e. prevent) the processing of your personal data;

4.1.6 The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);

4.1.7 The right to object to Us using your personal data for particular purposes; and

4.1.8 Rights with respect to automated decision making and profiling.

4.2 If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.

4.3 For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.

5. What Data Do We Collect?

Depending upon your use of Our Site, We may collect some or all of the following personal and non-personal data (please also see section 13 on Our use of Cookies and similar technologies and Our Cookie Policy www.uown.co/cookie-policy):

5.1 name;

5.2 date of birth;

5.3 gender;

5.4 business/company name

5.5 job title;

5.6 profession;

5.7 contact information such as email addresses and telephone numbers;

5.8 demographic information such as post code, nationality, preferences, and interests;

5.9 financial information such as bank details, or credit / debit card numbers;

5.10 IP address;

5.11 web browser type and version;

5.12 operating system;

5.13 a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to; an/or

5.14 investor profiling information such as your self-categorised investor type or the amount you are looking to invest.

5.15 Site use data such as last login, number of logins, or investments you have looked at or made.

6. How Do We Use Your Data?

6.1 All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.

6.2 Our use of your personal data will always have a lawful basis, either because it is necessary for Our performance of a contract with you, because you have consented to Our use of your personal data (e.g. by subscribing to emails), or because it is in Our legitimate interests. Specifically, We may use your data for the following purposes:

6.2.1 Providing and managing your Account;

6.2.2 Providing and managing your access to Our Site;

6.2.3 Personalising and tailoring your experience on Our Site;

6.2.4 Supplying Our services to you (please note that We require your personal data in order to enter into a contract with you);

6.2.5 Personalising and tailoring Our services for you;

6.2.6 Replying to emails from you;

6.2.7 Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by clicking the unsubscribe link at in the footer of all marketing emails;

6.2.8 Market research;

6.2.9 Analysing your use of Our Site and gathering feedback to enable Us to continually improve Our Site and your user experience;

6.2.10 Offering you rewards and offers based on your use of the site and

6.2.11 Logs of conversations via email, text, phone, or post that relate to investing in the platform.

6.3 With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email or telephone ortext message orpost with information, news and offers on Our services. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.

6.4 Third parties (including MangoPay, Facebook, and Google) whose content appears on Our Site may use third party Cookies, as detailed below in section 13. Please refer to section 13 for more information on controlling Cookies. Please note that We do not control the activities of such third parties, nor the data they collect and use and advise you to check the privacy policies of any such third parties.

6.5 You have the right to withdraw your consent to Us using your personal data at any time, and to request that We delete it. You can make this request by emailing admin@cognition.london

6.6 We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):

6.6.1 If you invest your personal data, logs of your investment activity, and logs of any communications will be stored for a minimum of seven years after you stop using the platform in case it is needed to help fight financial crime;

6.6.2 Your personal data such as your email, personal details, and contact information will be stored until or unless you decide to close your Cognition account or you ask for it to be removed or changed.

7. How and Where Do We Store Your Data?

7.1 We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.

7.2 Your data will only be stored within the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein).

7.3 Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.

7.4 Steps We take to secure and protect your data include:

7.4.1 We encrypt all data that is held on our website servers.

7.4.2 We take cyber security very seriously and we have had the site stress tested by cyber security specialists – the NCC Group. We will continuously review our cyber security to ensure it is up to date.

7.4.3 Access to website customer data is restricted to the directors of Cognition and is secured with 2-Factor-Authentication.

7.4.4 Any computer or email that holds sensitive customer data is secured with a strong password and the passwords are updated regularly.

8. Do We Share Your Data?

8.1 We may share your data with other companies in Our group to provide you with a seamless service.

8.2 We may sometimes contract with third parties to supply services to you on Our behalf. These may include payment processing, search engine facilities, advertising, and marketing. In some cases, the third parties may require access to some or all of your data. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.

8.3 We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.

8.4 We may sometimes use third party data processors that are located outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). Where We transfer any personal data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under GDPR including:

8.4.1 MangoPay (held within EEA);

8.4.2 Dubit (held within EEA);

8.4.3 Google Analytics (held within EEA);

8.4.4 Amazon Web Services (held within EEA); and

8.4.5 Webflow (can transfer Data outside of the EEA) .

8.4.6 MailChimp (can transfer Data outside of the EEA).

8.5 In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.

9. What Happens If Our Business Changes Hands?

9.1 We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.

9.2 In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes. When contacted you will not be given the choice to have your data deleted or withheld from the new owner or controller.

10. How Can You Control Your Data?

10.1 In addition to your rights under the GDPR, set out in section 4, when you submit personal data via Our Site, you may be given options to restrict Our use of your data. In particular, We aim to give you strong controls on Our use of your data for direct marketing purposes (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and at the point of providing your detailsand by managing your Account).

10.2 You may also wish to sign up for one or more of the preference services operating in the UK: The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you from receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.

11. Your Right to Withhold Information

11.1 You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.

11.2 You may restrict Our use of Cookies. For more information, see section 13.

12. How Can You Access Your Data?

You have the right to ask for a copy of any of your personal data held by Us (where such data is held.Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at data@uown.co, or using the contact details below in section 14. Alternatively, please refer to Our Data Protection Policy, a copy of which can be obtained from our Data Protection Manager at admin@cognition.london

13. Our Use of Cookies

13.1 Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.

13.2 By using Our Site you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. Third party Cookies are used on Our Site for advertising or analytics. For more details, please refer to section 6, above, and to section 13.6 below. These Cookies are not integral to the functioning of Our Site and your use and experience of Our Site will not be impaired by refusing consent to them.

13.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law.

13.4 Before Cookies are placed on your computer or device, you will be shown a Cookie Warning pop-up requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.

13.5 Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.6. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.10, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.

13.6 Our Site uses analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.

13.7 The analytics service(s) used by Our Site use(s) Cookies to gather the required information.

13.8 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

13.9 You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.

13.10 It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.

14. Contacting Us

14.1 If you have any questions about Our Site or this Privacy Policy, please contact Us by email at admin@cognition.london, or by post at 124 City Road, London, EC1V 2NX. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).

15. Changes to Our Privacy Policy

We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.

cookie policy

Our Site uses cookies to distinguish you from other users of our Site. This helps us to provide you with a good experience when you browse our Site and also allows us to improve our Site. By continuing to browse the Site, you are agreeing to our use of Cookies.

A Cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive.

We use the following Cookies:

  • Strictly Necessary Cookies
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risk statement

1. Property prices could fall meaning that the value of your shares can decline.

The value of your investment is based upon the price and values of the property in the market at the time of funding. For example, an investment costing £100,000 will have 100,000 shares available to purchase at £1 per share.

Upon completion or during the construction we have the property valued by independent surveyors. We then finalise/update the value of your investment based upon this valuation. Based on the example above if the investment is re-valued at £90,000, then each of the 100,000 shares will now be worth £0.90.

It is good financial practice to diversify your portfolio by investing only a portion of your disposable income in a variety of different investments across different platforms in order to mitigate risk.

What do we do to minimise this risk?

Whilst we cannot control the movement of the market, we vet properties to minimise the risk of the property price falling and maximise the chance of the price rising. We do this by providing houses that have very strong rental demand and which have a history of being rented out year on year.

2. There may be periods when the property is not rented out and you will not receive any rent.

For those who invest £50,000 or more and opt to partake in the long term rental income reward. In the event that a property is not rented out or some of the rooms are not rented out then the amount you receive in rental income will fluctuate accordingly. In some instances you may not receive any monthly rental income or the rental income you receive may be less than the forecast.

What do we do to minimise this risk?

We work with the best-letting agents we can to minimise this risk and only pick properties that have a strong rental history going back many years. Whilst demand may change, we only pick houses in areas with a strong current or expected demand, aiming to minimise the risk that they will be empty for any extended periods.

3. If you want to exit the scheme early then you must find/provide a buyer to replace your investment when you want to exit.

Investments in Cognition are illiquid in nature as they are not listed on a public exchange. This means that you may not be able to easily sell your investment in a given property, or you may not be able to find a buyer at all, before the end of the investment term. If you choose to list your investments for sale, we will notify other investors and some third parties about the opportunity. Depending on the stage of the project some of the profits may have materialised and in that event we would pay out the initial capital plus the pro-rata profit share, but please note you may lose some or all of the profit forecasted. There must be someone willing to purchase your shares at the market rate for you to sell them.

What do we do to minimise this risk?

We will actively market your investment and do our best to facilitate the replacement of your investment position. However, we cannot guarantee that a buyer for your capital will be found.

Note: You shouldn’t invest money you will need access to immediately. Cognition works best if viewed as a medium to long-term investment.

4. Our forecasts and past performance help with the guesswork but we are only human and can’t predict the future.

Past performance of a property is not indicative of future results, and forecasts of future results are not guaranteed.

What do we do to minimise this risk?

We base our forecasts on long-term historical data to ensure that any predictions are resilient to short-term changes in prices. We also ensure that all costs, insurance and taxes are accounted for with margins to ensure that a cushion is in place should something untoward happen. (More on this below)

All of these costs are based on the experience of the Cognition Group delivering schemes of various sizes across the world. Despite our best efforts, the true returns you receive may be higher or lower than we predict.

5. No coverage under the Financial Services Compensation Scheme (FSCS)

Your investment is not covered by the Financial Services Compensation Scheme.

6. No financial advice

Cognition does not provide financial advice or recommendations. If you are not sure whether or not investing in Cognition is right for you, you should seek the advice of an independent financial advisor who is authorised under the Financial Services and Markets Act 2000.

This list of risk factors does not necessarily outline all possible risks involved. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser.