Cosgn

Credit Program Rules

Effective Date: December 11, 2025

Version: 1.0

Part of: Cosgn Terms of Service

Applies To: All Cosgn brands, including Launch In Ten, Lvabl, Cosgn Pay, Cosgn Cloud, Cosgn Hi, Cosgn Credit, RECOSGN, Clloser, and all future Cosgn brands under the Unified Entity framework in Section 0 of the Master Terms.

These Program Rules (“Rules”) govern the Member’s participation in the Cosgn Credit Program (“Cosgn Credit”) and form a binding component of the Cosgn Terms of Service (the “Master Terms”). Capitalized terms have the meaning given in the Master Terms.

Nothing in these Rules creates duties, warranties, or liabilities beyond the Master Terms, nor does anything vary Section 10 (Warranties; Disclaimers), Section 12 (Limitation of Liability), Section 21 (Survival), or the Unified Entity protections in Section 0.

1. Nature of Cosgn Credit

1.1 Cosgn Credit is a closed-loop, in-house promotional financing facility that allows eligible Members to initiate or receive Services immediately and repay later.

1.2 Cosgn Credit is not:

• cash

• a loan

• a line of credit

• an extension of credit under consumer credit legislation

• a financial product or instrument

1.3 Cosgn Credit may be used only for Services delivered by Cosgn or its Unified Entity brands.

1.4 Cosgn may approve, deny, suspend, modify, or discontinue Cosgn Credit at any time, at its sole discretion. No Member is entitled to continued availability of Cosgn Credit.

1.5 No Duty to Advance or Continue Credit

Cosgn has no obligation to extend, renew, increase, or continue offering Cosgn Credit. The availability, amount, and duration of Cosgn Credit are determined solely by Cosgn, and may be withdrawn at any time without notice.

2. Eligibility

2.1 Only Members with an active paid Membership in good standing are eligible.

2.2 Cosgn may require identity verification, payment verification, or fraud screening.

2.3 Eligibility may be revoked at any time.

3. Grace Period

3.1 A one-time, non-renewable 30-day grace period applies when Cosgn Credit is first activated.

3.2 The grace period:

• does not renew for upgrades or new projects

• does not pause Membership billing

• is not transferable

4. Repayment

4.1 Members may repay the Credit balance at any time.

4.2 Membership fees do not reduce the Credit balance.

4.3 Members must maintain an active paid Membership until the Credit balance is fully repaid.

4.4 All upgrades, revisions, renewals, domain fees, hosting fees, and change orders are added to the Credit balance unless paid upfront.

5. Default, Suspension & Administrative Control

5.1 Events of Default

A Member is in default if they:

• fail to maintain active Membership

• fail to pay Cosgn Credit invoices or Membership fees

• initiate chargebacks or engage in payment fraud

• violate the Master Terms

5.2 Immediate Remedies

Cosgn may immediately, with or without notice:

• suspend Services

• revoke access or licenses

• pause or terminate active development

• disable hosting, DNS, deployments, or integrations

5.3 Administrative Control (Master Terms §3.4)

If default persists, Cosgn may assume Administrative Control over:

• domains

• hosting accounts

• cloud environments

• repositories

• project files

• trust-held assets

5.4 12-Month Liquidation Rule

After 12 months of unresolved default, Cosgn may:

• liquidate, sell, repurpose, or decommission trust-held assets

• apply net proceeds to the outstanding balance

• retain excess proceeds as liquidated damages

The Member has no ownership rights in liquidated assets.

5.5 Fraud and Risk

Cosgn may immediately suspend all work if fraud, abuse, or risk indicators are detected.

5.6 No Duty to Continue Work

Cosgn is under no obligation to continue, complete, or deliver Services while any Credit balance, Membership fee, or related charge remains unpaid or disputed.

6. No Interest / No Late Fees

6.1 Cosgn Credit accrues no interest.

6.2 Membership and renewal fees may still incur charges.

7. Ownership of Work Product

Work Product transfers only when:

• all Cosgn Credit balances are repaid, and

• Membership is active and in good standing.

Until then:

• Cosgn retains ownership

• the Member holds only a limited license

• no publication or export is permitted

8. No Cash Out

Cosgn Credit cannot be withdrawn, exchanged, transferred, or refunded.

9. Unified Entity Application

These Rules apply universally across all Cosgn brands and future Cosgn entities.

10. Priority and Conflict

The Master Terms govern in case of conflict.

10.1

These Rules must be interpreted consistently with the Master Terms and the Unified Entity framework. Any ambiguity is resolved in favor of Cosgn’s rights and protections under the Master Terms.

11. No Third-Party Beneficiaries

Only Cosgn and the Member have rights under these Rules.

12. Integration

Participation in Cosgn Credit constitutes acceptance of these Rules and the Master Terms as a unified agreement.

13. Survival

All obligations relating to repayment, default, administrative control, liquidation, and ownership survive termination.

Program Addendum — Cosgn Credit™: Plan Summaries

(Informative, Not a Contract)

These plan summaries are for convenience only and do not replace the Terms, any Statement of Work (SOW), or your membership agreement. In the event of any inconsistency, the Terms and applicable SOW control.

All amounts below are in CAD (or local currency equivalents where stated).

Startup Plans

Starter:

  • $17.49/week or $89.99/month
  • Up to approximately $5,000 in Cosgn service credit;
  • 1 included domain with renewals covered while membership is active;
  • hosting and storage included;
  • basic benefits;
  • cashback (where offered) is in Cosgn service-credit only.

Basic:

  • $39.99/week or $199.99/month
  • Up to approximately $15,000 in Cosgn service credit;
  • 3 included domains with renewals covered while membership is active;
  • hosting and storage included;
  • basic SEO benefits.

Enhanced:

  • $84.99/week or $399.99/month
  • Up to approximately $35,000 in Cosgn service credit;
  • 6 included domains with renewals covered while membership is active;
  • hosting and storage included;
  • enhanced SEO benefits.

Advanced:

  • $129.99/week or $599.99/month
  • Up to approximately $60,000 in Cosgn service credit;
  • 10 included domains with renewals covered while membership is active;
  • hosting and storage included;
  • advanced SEO and expanded benefits.

Domain note (Startup):

Any domains beyond your included allotment remain under your ownership and are your responsibility to renew (through Cosgn or your chosen registrar). Renewal coverage applies only to included domains and only while your membership is active and in good standing.

Enterprise Plans

Enterprise Basic:

  • $299.99/week or $1,299.99/month
  • Up to approximately $150,000 in Cosgn service credit;
  • up to 10 client accounts;
  • 1 included domain per client with renewals covered while membership is active;
  • hosting and storage included;
  • white-label options available.

Enterprise Enhanced:

  • $1,049.99/week or $4,299.99/month
  • Up to approximately $350,000 in Cosgn service credit;
  • up to 50 client accounts;
  • same domain/hosting benefits as Enterprise Basic.

Enterprise Advanced:

  • $1,799.99/week or $7,299.99/month
  • Up to approximately $750,000 in Cosgn service credit;
  • unlimited client accounts (subject to fair-use and technical limits);
  • same domain/hosting benefits as other Enterprise tiers.

Domain note (Enterprise):

Renewal coverage applies to the included allocation of 1 domain per active client. Any additional domains per client are owned by you/your client and are your responsibility to renew if outside the included allotment or if membership lapses or is terminated.

Important Program Disclosures

Membership fees are separate from Cosgn Credit™ and are non-refundable, except where required by law or expressly stated otherwise.

Cosgn Credit™ is non-cash, in-house service credit usable only for eligible Cosgn services.

Cosgn Credit™ accrues and is applied in accordance with the Terms and applicable SOWs.

Cosgn Credit™ does not bear interest and is not a loan or line of credit in the consumer-credit sense.

There are no credit checks and no late fees on Cosgn Credit™ balances, though missed membership payments may trigger suspension or administrative controls as described in the Terms.

Access to Cosgn Credit™ requires an active membership. Default after three consecutive missed membership payments may result in suspension and Cosgn retaining administrative control over relevant environments/accounts until cure (see Terms §3.4 and related provisions).

Cashback, where offered, is service-credit only and cannot be applied to membership fees unless a specific promotion explicitly states otherwise.

When you elect Cosgn Credit™ for a project, there is typically no upfront cost for project work funded via Cosgn Credit™, and a one-month grace period may apply from contract signature on your first membership invoice (subject to the specific SOW).

Projects not using Cosgn Credit™ follow standard payment terms (for example, upfront deposits, staged payments, or full prepayment per SOW/invoice).

Regulatory Position

Cosgn Credit™ is an in-house service-credit program and is not a loan, line of credit, or consumer credit product. It does not involve interest charges, does not rely on credit checks or credit scores, and is not reported to consumer credit bureaus, except where required by law for fraud prevention, identity verification, or other regulatory obligations.