CLIENT/USER AGREEMENT FOR SMS/MMS MESSAGING AND TWO-FACTOR AUTHENTICATION (TFA)

Last Updated: 02.12.2025

This Customer/User Agreement (the “Agreement”) governs the terms and conditions for participation in SMS/MMS messaging and Two-Factor Authentication (“TFA”) services provided by Cogent Group, Inc.  (“Company,” “we,” “us,” or “our”). By opting in to receive messages, you agree to comply with this Agreement.

  1. DEFINITIONS
  • SMS/MMS Messaging: Text messages, including multimedia messages (images, videos, and audio) sent to users for informational, marketing, transactional, or security purposes.
  • Two-Factor Authentication (TFA): A security process requiring an additional verification step (typically an SMS code) to access an account or service.
  • Opt-In: The process by which a user provides explicit consent to receive SMS/MMS messages.
  • Opt-Out: The process by which a user withdraws consent and stops receiving messages.
  1. CONSENT TO RECEIVE MESSAGES

By providing your mobile phone number and opting in, you:

  • Consent to receive SMS/MMS messages from the Company at the phone number provided.
  • Acknowledge that message frequency may vary and may include, but is not limited to, account notifications, security alerts, promotional offers, updates, and other communications.
  • Confirm that you are the authorized user of the mobile phone number provided.
  1. OPT-IN PROCEDURES

You may opt in to receive SMS/MMS messaging through any of the following methods:

  • Website Registration: Checking a consent box when signing up on our website.
  • Keyword Subscription: Texting a designated keyword (e.g., “JOIN” or “SUBSCRIBE”) to a specified short code or phone number.
  • Customer Service Enrollment: Providing consent verbally or in writing during customer service interactions.
  1. OPT-OUT PROCEDURES

You may opt out of receiving SMS/MMS messages at any time by:

  • Replying “STOP”: Text “STOP” to any received message to unsubscribe immediately.
  • Customer Service Request: Contacting our customer support team at support<at>cogentgroup.com requesting removal.
  • Account Settings: Updating communication preferences in your user account settings on our website. Upon opting out, you will receive a confirmation message and will no longer receive further SMS/MMS communications unless you re-enroll.
  1. TWO-FACTOR AUTHENTICATION (TFA)
  • Enrollment in TFA is required for certain security-sensitive actions.
  • Users can enable/disable TFA in their account settings.
  • If enrolled, users will receive a one-time passcode (OTP) via SMS to verify identity.
  • The Company is not responsible for any failure in message delivery due to carrier issues or incorrect phone numbers.
  1. COSTS & CARRIER DISCLAIMERS
  • The Company does not charge for SMS/MMS messages, but standard message and data rates may apply per your carrier’s plan.
  • The Company is not liable for any fees or charges imposed by your mobile carrier.
  • Delivery of messages is subject to carrier limitations and network availability.
  1. PRIVACY POLICY
  • Your phone number and message preferences will be stored securely and will not be sold or shared with third parties, except as required by law.
  • For more details, refer to our Privacy Policy https://cogentgroup.com/privacy
  1. LIMITATION OF LIABILITY

The Company is not responsible for delays, failures, or errors in message delivery due to:

  • Carrier issues
  • Network congestion
  • Incorrect user information
  1. MODIFICATIONS TO THIS AGREEMENT

We reserve the right to update this Agreement at any time. Users will be notified of material changes via SMS or email.

  1. CONTACT INFORMATION

For questions or concerns about this Agreement, contact us at:

  • Email: support<at>cogentgroup.com

By opting in, you acknowledge that you have read and agree to this Agreement.