AITACS CRM — AI Therapy Assistant Calendar Suite  |  skillbuilder.club  |  aitacscrm.app
AITACS CRM — Legal Documentation

Terms of Service

Effective Date: February 20, 2026  ·  Last Updated: July 5, 2026  ·  Version: 1.1  ·  Provider: Artem Chukov, Israel

HIPAA Safe Harbor Compliant GDPR Compliant Israeli PIPA

1. Definitions

"Platform" / "Service" — collectively, all three software products operated by the Provider: (1) AITACS CRM (AI Therapy Assistant Calendar Suite — B2B practice management tool for licensed mental health professionals), available at skillbuilder.club and aitacscrm.app; (2) ELIA (AI emotional companion — B2C; general public), available at eliachat.app; and (3) NEVY Navigator (holonic self-analysis tool — B2C; general public), available at skillbuilder.club. Where a provision applies exclusively to one product, it is indicated accordingly.
"AITACS CRM" — the B2B subscription product providing AI-assisted session analysis, client record management, calendar integration, and video session hosting for licensed psychotherapists, psychologists, coaches, and counselors.
"ELIA" — the B2C AI emotional companion product available to the general public at eliachat.app. ELIA processes personal but not clinical data; users are not required to be licensed professionals.
"NEVY Navigator" — the B2C holonic self-analysis tool available to the general public at skillbuilder.club. NEVY Navigator uses Google Gemini API (model: gemini-2.0-flash) for analysis. Subscriptions are processed by Paddle.com Market Limited as Merchant of Record.
"Provider" / "We" — Artem Chukov, sole proprietor, registered in the State of Israel (עוסק פטור 345086623). Contact: aitacs@skillbuilder.club.
"User" / "You" — any person who registers for or uses any AITACS product. For AITACS CRM, the User is a licensed professional (psychotherapist, psychologist, coach, or counselor). For ELIA and NEVY Navigator, the User is any individual who is at least 18 years of age (or the age of majority in their jurisdiction, whichever is higher) and who accepts these Terms. Individuals aged 16–17 may access ELIA or NEVY Navigator only where permitted by applicable law and with verifiable parental or guardian consent provided to the Provider in writing prior to registration.
"End Client" — a client of the User (AITACS CRM context only) whose data is processed within the Service.
"Merchant of Record" — Paddle.com Market Limited (registered in Ireland, EEA), which acts as legal seller and payment processor for NEVY Navigator subscriptions. When purchasing NEVY Navigator, the User's contract for payment is with Paddle, not with the Provider directly.
"Personal Data" — any information relating to an identified or identifiable natural person, as defined by Article 4(1) of the GDPR.
"PHI" (Protected Health Information) — health information protected under HIPAA, including clinical records, diagnoses, and therapist notes.
"De-identification" — the removal of all 18 categories of identifiers as defined by the HIPAA Safe Harbor standard (45 CFR §164.514(b)) before any data is transmitted to external AI services.
"Pseudonymization" — the replacement of identifying data with a pseudonym (nickname) for use with the AI assistant, in accordance with Article 4(5) of the GDPR.

2. Subject of Agreement

2.1. The Provider grants the User a non-exclusive, non-transferable license to use the Platform for the management of professional practice in the fields of psychotherapy, psychological counseling, and coaching.

2.2. The Platform is a practice management tool. It is NOT a medical device, diagnostic instrument, or treatment system. The AI assistant does not diagnose conditions and does not replace clinical judgment of a licensed professional.

2.3. Acceptance of these Terms occurs at the moment of subscription payment or registration within the Service. By using the Service, the User acknowledges having read and agreed to these Terms, the Privacy Policy, and all related compliance documentation.

3. Subscription Plans and Payment

3.1. Subscription pricing is determined by the selected plan and is displayed on the subscription page at the time of purchase.

3.2. Refund guarantee: full refund within 14 days of payment, no questions asked. After 14 days, refunds are provided at the sole discretion of the Provider.

3.3. The Provider reserves the right to modify pricing for future subscription periods with 30 days' notice to existing Users.

3.4. Payment processors by product: (a) AITACS CRM — subscription payments are processed by PayPal Holdings, Inc. (San Jose, USA); (b) ELIA — one-time purchases and subscriptions are processed by PayPal Holdings, Inc.; referral affiliate payouts are also processed via PayPal; (c) NEVY Navigator — subscriptions are processed by Paddle.com Market Limited (Dublin, Ireland), acting as Merchant of Record. When purchasing NEVY Navigator, the User's payment contract and invoice are issued by Paddle, not by the Provider. Paddle is responsible for VAT/tax collection and compliance for NEVY Navigator transactions.

4. Data Storage Architecture and Responsibility Zones

Variant A: Cloud Subscription (SaaS)

End Client data is stored in a MySQL database on a server managed by the Provider, as well as locally in the User's browser (localStorage, IndexedDB).

Variant B: Dedicated Server (Self-Hosted)

The User procures their own hosting, domain, and SSL certificate. The database resides on the User's server.

Variant C: Desktop Version (Local Storage)

All data is stored exclusively on the User's device. AI functionality requires an internet connection.

5. AI Assistant and Data Processing

5.1. The AI assistant operates exclusively with de-identified data in compliance with the HIPAA Safe Harbor standard (45 CFR §164.514(b)). All 18 categories of identifiers defined by HIPAA are automatically removed before any data is transmitted to external AI services.

5.2. The following data is never transmitted to AI service providers: real names, dates of birth, phone numbers, email addresses, physical addresses, emergency contact information, or any other direct identifiers. The AI receives only a pseudonym (nickname) and de-identified clinical context (presenting complaints, observations, therapeutic hypotheses).

5.3. De-identified clinical context is transmitted to the AI provider (OpenAI, LLC) via an encrypted channel (TLS 1.2+). In accordance with OpenAI's data usage policy, API data is not used for model training.

5.4. De-identification is enforced at two levels: client-side (in the browser before transmission) and server-side (on the API proxy server before forwarding to OpenAI). Each de-identified data object is marked with a timestamp and method identifier for audit purposes.

5.5. The User must use pseudonyms exclusively when entering client information into AI-enabled sections of the application. The application provides explicit guidance for this at every relevant input field. The Provider accepts no liability if the User enters real identifying information in place of pseudonyms.

5.6. The User may disable AI-assisted analysis for any individual End Client at any time through the client profile settings. When AI processing is disabled for a specific End Client, no data for that client is transmitted to external AI services. This per-client control mechanism satisfies the requirement under GDPR Article 21 to accommodate an End Client's objection to automated processing. See Privacy Policy §4.4 for the full opt-out procedure.

Safe Harbor Compliance Note

Because the AI assistant receives only de-identified data (as defined by 45 CFR §164.514(b)), this data is no longer classified as PHI under HIPAA. Therefore, no Business Associate Agreement (BAA) with the AI provider is required for this specific data flow. The Provider maintains de-identification safeguards at both the application and server levels.

6. User Obligations

6.1. The User shall comply with all applicable laws and regulations in their jurisdiction, including but not limited to HIPAA (USA), GDPR (EU/EEA), and relevant local data protection laws.

6.2. The User shall obtain informed consent from each End Client prior to entering their data into the Platform, using the template provided in the Informed Consent Template or an equivalent document.

6.3. The User shall adhere to the minimum security requirements outlined in the User Security Requirements document.

6.4. The User shall not use the Platform for any purpose other than professional practice management in the fields specified in Section 2.1.

6.5. Video sessions — US and Canadian Users (HIPAA / PIPEDA). The Platform's built-in video conferencing feature is powered by a third-party WebRTC provider (Daily.co). At the time of these Terms, the Provider does not hold a HIPAA Business Associate Agreement (BAA) with the video infrastructure provider. Users who are Covered Entities under HIPAA (45 CFR §160.103) or subject to Canadian provincial health privacy legislation (PHIPA, HIA, FOIPPA, or equivalent) are solely responsible for ensuring that their use of the video feature complies with applicable law. Such Users must: (a) obtain explicit written consent from each End Client for audio/video recording prior to initiating a session; (b) independently verify that their use of the video feature meets all applicable regulatory requirements; and (c) consider using an externally HIPAA-certified video service (such as Doxy.me or Zoom for Healthcare) if a fully compliant end-to-end solution is required.

6.6. Recording consent. Regardless of jurisdiction, the User shall obtain and document explicit consent from the End Client before initiating any audio or video recording of a session. The User shall record the consent status in the client profile field designated for this purpose ("Recording Consent"). The Provider shall not be liable for any claim arising from the User's failure to obtain such consent.

6.7. Audio transcription — US Users (HIPAA). The Platform's session recording feature submits raw audio to OpenAI's Whisper API for speech-to-text transcription. At the time of these Terms, the Provider's OpenAI API subscription does not include a HIPAA Business Associate Agreement (BAA). Raw session audio may constitute Protected Health Information (PHI). US-based Users who are Covered Entities or Business Associates under HIPAA acknowledge this limitation and agree that: (a) they will independently assess whether activation of the recording and transcription feature is compatible with their HIPAA obligations; (b) they will obtain explicit written informed consent from each End Client for audio recording and AI transcription before any recorded session; and (c) they bear sole compliance responsibility arising from use of the transcription feature absent a BAA with OpenAI. US-based Users for whom this limitation is not acceptable should disable the recording feature and use an independently HIPAA-BAA-covered transcription workflow.

7. Limitation of Liability

7.1. The Platform is provided "as is" and "as available." The Provider makes no warranties, express or implied, regarding the accuracy, reliability, or completeness of AI-generated insights.

7.2. The Provider shall not be liable for any clinical decisions made on the basis of AI assistant recommendations. All clinical responsibility rests solely with the licensed User.

7.3. The Provider's maximum aggregate liability under these Terms shall not exceed the total amount paid by the User in the 12 months preceding the event giving rise to the claim.

7.4. The Provider shall not be liable for data breaches caused by the User's failure to comply with the User Security Requirements.

7.5. Video infrastructure. The Provider shall not be liable for any HIPAA violation, data breach, or regulatory penalty arising from the User's use of the built-in video session feature without a BAA in place with the video infrastructure provider. The User assumes full responsibility for regulatory compliance with respect to video conferencing, as set forth in Section 6.5. This limitation applies to the maximum extent permitted by applicable law.

7.6. Audio transcription infrastructure. The Provider shall not be liable for any HIPAA violation, regulatory penalty, enforcement action, or civil claim arising from the User's use of the built-in session recording and transcription feature in the absence of a BAA between the Provider and the transcription service provider (OpenAI). The User assumes full compliance responsibility as set forth in Section 6.7. This limitation applies to the maximum extent permitted by applicable law.

8. Termination

8.1. Either party may terminate this agreement at any time by providing written notice. The User may cancel their subscription through the Platform or by contacting the Provider.

8.2. Upon termination, the User's data will be retained for 90 days to allow for data export. After this period, all data will be permanently deleted from the Provider's servers.

8.3. The User may request immediate deletion of all their data at any time by contacting the Provider. The Provider shall comply within 30 days.

9. Governing Law and Dispute Resolution

9.1. These Terms are governed by and construed in accordance with the laws of the State of Israel.

9.2. For Users located in the EU/EEA, additional protections guaranteed by the GDPR shall apply. For Users located in the United States, HIPAA provisions shall apply to the extent applicable. For Users located in Canada, the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial health privacy legislation (PHIPA, HIA, PIPA) shall apply; Canadian therapists acting as health-information custodians remain solely responsible for compliance with their provincial obligations, including obtaining client consent for collection and use of personal health information. California residents are afforded additional rights under the CCPA/CPRA as described in the Privacy Policy (Section 13.2). Users in Israel and Ukraine are subject to the jurisdiction-specific provisions set out in Sections 13.3 and 13.4 of the Privacy Policy respectively.

9.3. Any disputes arising under these Terms shall be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to the competent courts of the State of Israel, Haifa District.

9.4. EU Online Dispute Resolution (B2C — ELIA and NEVY Navigator). In accordance with EU Regulation 524/2013 on Online Dispute Resolution, consumers resident in the European Union or European Economic Area who use ELIA or NEVY Navigator have the right to seek out-of-court dispute resolution via the European Commission's ODR platform: https://ec.europa.eu/consumers/odr. The Provider's contact email for ODR purposes is aitacs@skillbuilder.club. The Provider is not obligated to participate in any particular ADR entity but will engage in good faith with any ODR process initiated through the platform.

10. Amendments

10.1. The Provider may update these Terms with 30 days' advance notice via email. Continued use of the Service after the notice period constitutes acceptance. Material changes to data processing will be highlighted in the Privacy Policy changelog.

10.2. Previous versions of these Terms are available upon request.

11. Contact Information

For questions, requests, or concerns regarding these Terms of Service:

Artem Chukov
Email: aitacs@skillbuilder.club
Web: skillbuilder.club  |  aitacscrm.app

Related Compliance Documents

Privacy Policy · Data Processing Agreement (DPA) · Business Associate Agreement (BAA) · Subprocessor List · User Security Requirements · Informed Consent Template · Incident Response Policy · Cookie Policy