Terms of use

Last updated October 11, 2026

These terms apply when you use Cozy Cog or any other tool run by Cozy Cog. In these terms, “we” and “us” mean Cozy Cog. By using our tools, you agree to these terms.

Our tools give estimates

Our tools give general information and estimates based on what you enter and on the public sources listed on each page. They are not financial, legal, tax, medical or other professional advice. Rules, rates and prices change, so check anything important with the official source or a qualified professional before you act on it.

Free to use

Our tools are free, and you do not need an account. You never have to give your email address to see a result.

Paid links

Some pages show offers from other companies, marked “Paid link.” We may earn money if you use them. Those companies are responsible for their own products and websites, and their own terms apply there. We do not promise that you will qualify for, or be happy with, any offer.

Emails

If you ask us to email you, you can stop our emails at any time with the unsubscribe link in every message.

Fair use

Do not misuse our sites. For example, do not try to break or overload them, copy them in bulk with automated tools, or use them for anything illegal.

No warranty

We work to keep our tools accurate and up to date, but we provide them “as is,” without warranties of any kind, to the extent the law allows.

Limit of liability

To the extent the law allows, Cozy Cog is not liable for any loss that comes from using our tools or relying on their results, including lost money or lost profits. If we are found liable anyway, our total liability to you is limited to $100.

Changes

We may change these terms. The date at the top shows the latest version.

Contact

Cozy Cog, 4480 S Cobb Dr, Smyrna, GA 30080, United States. Email: support@nogigiddy.com.