Terms and Conditions

1. About Cohab

Hjard AS, Norwegian organisation number 933 786 021, provides Cohab, a digital self-service platform for creating, managing and storing cohabitation agreements, ownership records, financial overviews, settlement calculations and related documents.

Documents and calculations are generated automatically based on the information, selections and instructions entered by the user.

These Terms and Conditions apply between Hjard AS and any person who purchases, accesses or uses Cohab.

2. Nature and limitations of the service

Cohab is a digital self-service tool. Cohab and Hjard AS are not law firms and do not provide individual legal advice, legal representation, tax advice, financial advice or an individual assessment of a user’s legal position.

Documents, calculations, guidance texts and suggested provisions provided through Cohab are standardised. They are generated based on the information and selections entered by the user.

The user is responsible for:

• ensuring that all information entered into Cohab is accurate, current and complete
• reading and reviewing documents before they are signed or used
• determining whether a document is appropriate for the parties’ circumstances and intentions
• ensuring that both parties understand and voluntarily accept the contents of the document
• obtaining independent legal, tax or financial advice when appropriate
• complying with applicable formalities and instructions relating to signatures, witnesses, registration, notarisation, filing and storage
• verifying that the selected document is intended for the relevant country, state, province or legal jurisdiction

Independent legal advice is particularly recommended where the parties have substantial assets, significantly unequal financial positions, business interests, children from previous relationships, property or connections in more than one country, or uncertainty about the legal consequences of an agreement.

Cohab does not guarantee that a document will produce a particular legal result in every situation or that a document will be valid or enforceable in every jurisdiction.

The legal effect of a document may depend on applicable law, the circumstances in which it was created and signed, the information provided by the parties and events occurring after it was created.

3. Jurisdiction-specific documents

Cohab may offer documents intended for particular countries, states, provinces or legal jurisdictions.

The user is responsible for selecting the correct jurisdiction and confirming that the document is suitable for where the parties live, own property or intend to rely on the document.

A document intended for one jurisdiction should not be assumed to be suitable or enforceable in another jurisdiction.

Where the parties:

• live in different countries or jurisdictions
• own property in more than one jurisdiction
• plan to move to another jurisdiction
• have citizenship, residence or financial connections in multiple jurisdictions
• are uncertain about which law applies

they should obtain independent legal advice before relying on a document generated through Cohab.

4. Agreements between users

Hjard AS is not a party to any cohabitation agreement or other document created through Cohab.

Any agreement is entered into directly between the relevant parties. Hjard AS does not undertake to negotiate, mediate, enforce or resolve disputes between the parties.

The parties are responsible for ensuring that the completed document accurately reflects what they have agreed.

Each party should have sufficient opportunity to review the document and obtain independent advice before signing it.

5. Limitation of liability

Hjard AS is not responsible for losses, errors, disputes or other consequences resulting from:

• inaccurate, incomplete or outdated information entered by a user
• decisions, selections, valuations or agreements made by the parties
• failure to read or review a document before signing or using it
• use of a document for a purpose or jurisdiction for which it was not designed
• changes in the parties’ financial, personal or legal circumstances after a document was created
• changes in applicable laws, regulations, administrative practice or court decisions after a document was created
• failure to comply with applicable signing, witnessing, notarisation, registration, filing or storage requirements
• valuations of property, assets, liabilities or financial contributions
• information, conduct, systems or services provided by third parties
• unauthorised access caused by a user’s failure to protect their account or signing links
• circumstances outside Hjard AS’s reasonable control

To the maximum extent permitted by applicable law, Hjard AS is not liable for indirect, incidental, special or consequential loss, including loss of profit, loss of opportunity or loss resulting from a dispute between users.

To the maximum extent permitted by applicable law, the total aggregate liability of Hjard AS arising from the service is limited to the amount paid by the user for the specific service giving rise to the claim.

These limitations do not apply in cases of fraud, wilful misconduct, gross negligence or where liability cannot legally be excluded or limited.

Nothing in these Terms and Conditions excludes or limits any mandatory consumer rights or remedies that cannot lawfully be excluded or limited.

6. Payment and access

The total price payable for the selected service will be displayed before the purchase is completed, unless expressly stated otherwise.

Unless otherwise stated during checkout, the purchase is made through a one-time payment. There is no automatic renewal or recurring subscription charge.

A one-time purchase provides access to the purchased functionality without a predetermined end date, for as long as Cohab continues to offer the relevant service and the user's account remains active.

Hjard AS may develop, modify, replace or discontinue all or part of Cohab where there is a legitimate reason to do so and where this is permitted by applicable law.

Where reasonably practicable, users will receive advance notice of a planned discontinuation and an opportunity to download their available documents.

Users are responsible for downloading and securely storing final and signed versions of their documents.

Documents should not be treated as permanently stored solely because they are available through a Cohab account.

7. Right of withdrawal and immediate digital delivery

Consumers may have a statutory right to withdraw from an online purchase. The applicable withdrawal period and conditions depend on the consumer’s country of residence and the nature of the digital product or service purchased.

For consumers in the European Union and European Economic Area, the statutory withdrawal period is generally 14 days, subject to applicable exceptions and conditions.

Where a user requests that delivery of a digital service begins before the withdrawal period has expired, this may affect the user’s right of withdrawal in accordance with applicable law.

For digital content supplied immediately, the right of withdrawal may be lost where the consumer has, before delivery:

• expressly consented to immediate delivery
• acknowledged that the right of withdrawal will be lost
• received confirmation of that consent and acknowledgement on a durable medium

Where required, Cohab will request these confirmations separately during checkout. Acceptance of these general Terms and Conditions alone does not automatically waive a statutory right of withdrawal.

Nothing in this section limits a consumer’s rights where the service or digital content is defective, unavailable or not supplied as agreed.

Information about applicable withdrawal rights and any required withdrawal form will be provided during checkout or in the order confirmation where required by law.

8. Electronic signatures

Cohab may provide electronic signing through a third-party signing provider, currently DocuSeal.

The signing service may record information such as:

• signing timestamps
• signing events
• document versions
• email addresses
• technical information
• audit-trail information

An electronic signature should not be rejected solely because it is in electronic form. However, the legal effect and evidential value of an electronic signature may depend on the applicable jurisdiction, the signing method, identity verification, the audit trail and the circumstances surrounding the signature.

Unless expressly stated otherwise, an electronic signature completed through Cohab or DocuSeal is not necessarily a qualified electronic signature, notarised signature or government-issued digital signature.

The parties are responsible for:

• ensuring that the correct individuals sign the document
• protecting their accounts, email addresses and signing links from unauthorised access
• reading and approving the final document before signing
• complying with any jurisdiction-specific signature, witness, notarisation, registration or filing requirements
• downloading and securely retaining the completed and signed document

Where local law requires witnesses, notarisation, registration or another specific form of execution, electronic signing through Cohab may not by itself satisfy those requirements.

9. Ownership records and financial information

Cohab may allow users to record information about ownership, assets, debts, payments, deposits, mortgage contributions, improvements and other financial contributions.

Information recorded in Cohab is based on information entered by users. Hjard AS does not independently verify:

• legal ownership
• registered title
• payment history
• market value
• debt balances
• the source of funds
• supporting documentation

A record in Cohab does not itself transfer ownership, amend a registered title, create a security interest or replace any registration required by law.

Users should retain relevant evidence, including contracts, receipts, bank statements, title documents and loan documentation.

10. Settlement calculator and other calculations

Calculations produced by Cohab are estimates based on the information and selections entered by users.

A calculation does not by itself constitute:

• a legally binding settlement
• a property appraisal or professional valuation
• a tax calculation
• legal, tax, investment or financial advice
• a determination of the legal ownership of an asset

Results may be affected by debt, ownership rights, agreements between the parties, unrecorded payments, changes in value, taxes, transaction costs and other circumstances.

Before completing an actual financial settlement, the parties should verify the information and calculations and obtain professional advice where appropriate.

11. Wills and testamentary documents

Where Cohab offers a will, testament or similar estate-planning document, the document is provided as a standardised draft based on the information and selections entered by the user.

The user is responsible for determining whether the document is suitable for their family circumstances, assets, intentions and applicable inheritance law.

Wills and testamentary documents are frequently subject to strict jurisdiction-specific formalities. These may include requirements concerning:

• handwritten or physical signatures
• the number and qualifications of witnesses
• the simultaneous presence of witnesses
• notarisation
• registration or deposit
• the language of the document
• the legal capacity of the person making the will

Generating, downloading, storing or electronically signing a will through Cohab does not by itself guarantee that the will is valid.

Electronic signing through Cohab or DocuSeal may not satisfy the legal requirements for a will in the applicable jurisdiction.

The user must follow the signing and witnessing instructions supplied with the document and should obtain independent legal advice where there are children from previous relationships, protected heirs, substantial or complex assets, business interests, assets in multiple countries or uncertainty about the document’s legal effect.

12. Availability, maintenance and updates

Hjard AS will use reasonable efforts to keep Cohab available and functioning as described.

Temporary interruptions may occur due to:

• maintenance
• security measures
• technical errors
• software updates
• third-party service interruptions
• circumstances outside Hjard AS’s reasonable control

Hjard AS may provide security updates, corrections and other modifications to Cohab.

Hjard AS does not guarantee that Cohab will be uninterrupted or completely error-free at all times.

Nothing in this section limits any mandatory statutory rights relating to digital services or digital content.

13. Third-party services

Cohab may use third-party providers for services including authentication, payments, electronic signatures, hosting, storage, analytics and communications.

Certain Cohab functions may depend on the availability and proper operation of these third-party services.

Third-party providers may have their own terms and privacy notices governing their services and processing activities.

Hjard AS is not responsible for interruptions or failures caused by third parties where those circumstances are outside Hjard AS’s reasonable control.

This does not limit any responsibility that Hjard AS cannot lawfully exclude under applicable law.

14. Privacy and personal data

Hjard AS processes personal data in accordance with applicable data-protection laws and the Cohab Privacy Policy.

The Privacy Policy explains, among other matters:

• what personal data is processed
• why the data is processed
• the applicable legal bases
• how long data is retained
• which processors and recipients may receive data
• international data transfers, where applicable
• the user’s data-protection rights

Where processing is necessary to provide Cohab or perform the agreement with the user, the data is processed on that basis.

Consent will be requested separately where consent is required. Use of Cohab does not by itself constitute consent to processing that legally requires specific, informed and freely given consent.

Users should avoid entering information about third parties unless they are authorised to do so or another lawful basis applies.

15. User accounts and security

Users are responsible for protecting their login credentials and preventing unauthorised access to their accounts.

Users must notify Hjard AS without undue delay if they become aware of or suspect unauthorised access.

Users must not:

• use Cohab unlawfully, fraudulently or deceptively
• impersonate another person
• enter information they are not authorised to process
• attempt to gain unauthorised access to Cohab or another user’s information
• interfere with, damage or disrupt Cohab
• introduce malicious code or conduct automated attacks
• scrape, copy or commercially exploit Cohab in violation of Hjard AS’s rights

Hjard AS may temporarily suspend or terminate access in cases of serious misuse, material breach or security risk, to the extent permitted by applicable law.

Where reasonably possible and legally permitted, the user will be informed of the reason for the action.

16. Intellectual property rights

Cohab, including its software, design, text, document structures, calculation methods, branding and other content, is owned by Hjard AS or its licensors.

A purchase grants the user a personal, limited, non-exclusive and non-transferable right to use Cohab and the resulting documents for the user’s own private purposes.

Users may not resell, commercially distribute, publish or commercially exploit Cohab, its templates or its content without prior written permission from Hjard AS.

This does not prevent users from sharing their completed documents with:

• the other contracting party
• lawyers or other professional advisers
• banks or financial institutions
• courts, public authorities or registries
• other recipients where sharing is reasonably necessary for the document’s intended purpose

17. Complaints

Questions or complaints may be submitted to:

Email: support@mycohab.app

Hjard AS will seek to review and respond to complaints within a reasonable period.

Consumers may also be entitled to submit a dispute to a competent consumer-protection authority, alternative dispute-resolution body or court in their country of residence.

18. Governing law and dispute resolution

These Terms and Conditions are governed by the laws of Norway.

Where the user is a consumer, this choice of law does not deprive the user of mandatory consumer protections provided by the laws that would otherwise apply in the user’s country of habitual residence.

The parties should first attempt to resolve any dispute amicably by contacting Hjard AS.

Where a dispute cannot be resolved, it may be submitted to a competent consumer-dispute body or court in accordance with applicable jurisdiction and venue rules.

Nothing in these Terms requires a consumer to bring proceedings exclusively in Norway where mandatory law gives the consumer the right to bring proceedings elsewhere.

19. Changes to these Terms and Conditions

Hjard AS may update these Terms and Conditions where reasonably necessary due to:

• changes in laws or regulations
• changes to Cohab or its functionality
• security or technical requirements
• changes involving third-party providers
• the introduction of documents for additional jurisdictions
• other legitimate reasons

Changes will generally apply to new purchases from the date on which the updated Terms and Conditions are published.

Material changes affecting existing users’ ongoing access or legal rights will be communicated clearly and implemented in accordance with applicable law.

Previous versions may continue to apply to purchases made before an update where required by law or expressly stated.

20. Severability

If any provision of these Terms and Conditions is found to be invalid, unlawful or unenforceable, that provision will be limited or removed only to the extent necessary.

The remaining provisions will continue in effect, unless the removal of the relevant provision would fundamentally alter the agreement.

21. Entire agreement

These Terms and Conditions, together with the Privacy Policy, the information provided during checkout and any product-specific terms presented to the user, constitute the agreement between the user and Hjard AS concerning the use and purchase of Cohab.

Where product-specific terms conflict with these general Terms and Conditions, the product-specific terms will apply to the extent of the conflict.

22. Contact information

23. Last updated

These Terms and Conditions were last updated on 22 July 2026.