Cognielo — The life OS that knows you without knowing anything about you

The moment

Cross-app insights nobody else can show you.

❤$💼

Your HRV tanks the week you file taxes — and your comfort-food spend spikes 34% at the same time.

Over the last 3 tax cycles, your Healthelo 7-day HRV average drops 18% the week your deadline hits. Savelo shows comfort-snack spending jumps $47. Workelo logs 2.3× the calendar load. The pattern is specific to this week, not tax season broadly.

Healthelo + Savelo + Workelo · 91% confidence · r = +0.78 · generated on-device

No other life app can say this about you, because no other life app has your money, health, work, and home data in one encrypted substrate on your phone.

The architecture

Four layers. 20 apps. One brain.

Cognielo isn't a monolith and isn't a bundle. Four layers, each blind to the one below — 8 life-domain apps + 11 ecosystem & utility apps + Hub orchestrator riding on one encrypted substrate. The more you understand it, the more valuable it gets.

Layer 4 · Hub / Brain

Life Score, Coach, Timeline, Insights.

The pane of glass. 21 dials × 8 life-domain apps. On-device AI reasoning against your own data.

Layer 3 · Substrate

The encrypted data plane across every kit.

Where cross-app correlation becomes possible. Grant-gated reads. Patent-pending.

Layer 2 · Tools

Browselo · Compelo · Passelo · Chatelo.

On-device utilities that make the data useful. Part of the grant table, not the life-domain grid.

Layer 1 · Data

HealthKit, Plaid, Mail, Calendar, scans, photos metadata.

Pulled once, encrypted under a per-domain HKDF key, never pulled again without your action. Your data never becomes our data.

Read the full architecture →

The difference between a chat assistant and a life OS.

A chat assistant answers whatever you type. A life OS answers what your life actually needs. The gap is what you give it to reason with.

What you want	A chat assistant	Cognielo
Knows your health + finances + work together	No. Each chat is a blank page.	Yes. One encrypted substrate across all 20 surfaces on your phone.
Runs without sending your data anywhere	No. Every prompt goes to the model provider.	Yes. Correlation runs on-device. Coach queries are opt-in, anonymized.
Surfaces cross-domain insights without being asked	No. You have to type the question first.	Yes. "Your HRV tanks the week taxes are due." Proactive.
Replaces your ad-tech-funded life-tracking apps	No. It's a conversational layer on top of those apps.	Yes. Savelo, Healthelo, Legelo, Workelo, Homelo, Learnelo, Miscelo, Socielo — all ship with the platform.
Designed so the operator cannot read your data	No. The operator can read every message.	Yes. Patent-pending cryptographic architecture — not a promise, a construction.
Pays you when you refer a subscriber	No.	Partners in the SDK program earn 20% lifetime on referred Bundles.

How it works

Five ideas.

The whole architecture is five rules. Everything else is consequence.

🔒

Never on a server.

Your data lives on this device. Cognielo can't read it — not because we promise, because we designed it that way. Subpoena-resistant by construction.

◦

20 apps, one brain.

Each kit is a full app. They all write to one encrypted substrate. Correlations cross domains because the data lives in the same place — your phone.

✨

AI that's actually yours.

The coach runs against your life, weighted by your dials. Not trained on you. Not shared with advertisers. Not used for anyone else's model.

🛡

Breachless Architecture.

Post-quantum is table stakes. Cognielo's signing keys are bound to non-reproducible LLM-derived entropy that's discarded at keygen time. To forge a signature an attacker would need to time-travel — even with full device compromise + future quantum compute, the historical entropy can't be replayed. Read the math →

🎭

See your life on Cognielo before you put your life on Cognielo.

Every install ships with a Demo profile alongside your Live one — both encrypted, both yours, switching is non-destructive. See the whole app loaded with curated data before you commit any of your own. Compare what's possible vs. what you want, then build your bundle. Patent claim 1.30: multi-profile substrate isolation via per-profile HKDF.

The 20 surfaces

One life. 20 surfaces. Infinite configurations.

Each of the 20 surfaces (8 life-domain apps + 11 ecosystem & utility apps + Hub orchestrator) is a full product on its own — the kind of thing competitors charge $12/mo for. The moat is the substrate that holds them all.

Savelo

Money, investments, budgets, taxes.

❤

Healthelo

Meds, HRV, cycles, labs, immunizations.

Legelo

POAs, subpoenas, trademarks, licenses.

💼

Workelo

Career, 1:1s, side hustles, reviews.

⌂

Homelo

HOA, permits, rental P&L, grocery.

♒

Learnelo

Flashcards, certs, adaptive paths.

♫

Miscelo

Hobbies, collections, journaling.

◉

Socielo

Social media + messaging archives — the attention dial.

Pricing

Mix and match. Best-Deal Floor.

Every app has a free tier. Add Plus or Pro on the apps that matter to you. Best-Deal Floor: your bill never exceeds the matching Everything bundle, no matter how you shop. Pick 4+ apps Plus → automatic Plus Everything ($14.99/mo, all 20 apps). Pick 4+ apps Pro → automatic Pro Everything ($29.99/mo, all 20 apps). Annual is 12× monthly with your price frozen for a year. (Cryptelo is always free.)

Free

$0 / mo

Every app. Basic.

All 20 surfaces (Hub + 19 kits), readable + writable
One smart coach question per day
Cross-app insight rotation
Privacy dashboard
Export everything, always

Per app

$4.99 / mo · Plus

Plus

Unlimited Coach (Haiku)
Premium surfaces inside the app
All imports for that domain
Pick 4+ apps Plus → auto-bundles to Plus Everything
All 20 apps at Plus → $14.99/mo

Per app

$8.99 / mo · Pro

Pro

Sonnet always-on, Opus quarterly Vista
Deep cross-app reasoning
Professional sharing
Pick 4+ apps Pro → auto-bundles to Pro Everything
All 20 apps at Pro → $29.99/mo

Pro Everything

$29.99 / mo

All 20 apps at Pro.

Every premium surface across every app
Opus-class deep analysis
Professional sharing (CPAs / attorneys / doctors)
Court-admissible Plaid asset reports
Annual: $359.88 · price frozen 12 mo

Family

Family Plus Everything · $22.99/mo

All 8 life-domain apps at Plus for up to 6 household members. Apple Family Sharing. Annual: $275.88.

Family

Family Pro Everything · $59.99/mo

All 8 life-domain apps at Pro for up to 6 household members. Sonnet always-on for every seat. Annual: $719.88.

Business

Cognielo for Teams →

$15/seat/mo, 10-seat minimum. All 8 life-domain apps at Pro. HIPAA + SOC 2 available on the Regulated tier ($2,500/mo, 50-seat baseline).

Annual policy

Annual = 12× monthly with a 12-month price freeze.

No "two months free" gimmick. The value is the freeze: prepay for the year and your rate is locked even if we raise prices. Whatever per-app bundle you've built — Savelo Pro + Healthelo Plus + Socielo Pro + whatever — converts to an annual at any time. Mix-tier carts bill each tier independently and add the line items; Coach AI runs at the highest selected tier.

Buy it for life

Founders Lifetime — $599.99 once.

Every premium feature in every life-domain app — for life. No monthly charge, no price hike, no expiration. The premium anchor for people who decide we're worth their trust before the reviews come in.

Pro Everything across all 8 life-domain apps (claim 1 substrate)
Datelo Pro overlay (claims 7 + 7.5 + 7.6 + 7.7) — unlimited preview render
Opus weekly cross-app correlation (vs Pro Everything's quarterly)
Cross-app proactive nudges (3 push insights/day, messageBodyDeclined posture)
Compelo long-form document assistance (Opus-tier output)
Multilingual Coach (8 languages)
Hub LifeScore weekly Opus recompute
Annual "Your Year on Cognielo" cross-app insight export (Opus-tier)
Cryptelo always-free (claim 1.15) — universal across all SKUs
Breachless Architecture v1.0 (claim 1.15 + 1.25-1.28) — universal, no upcharge
Founder badge + early-access flag for new kits