Terms of Service

Version 2.1. Updated November 10, 2026. Effective November 10, 2026 for new accounts, and November 24, 2026 for accounts created before November 10, 2026.

Prior version: Version 2.0. Effective October 24, 2026 for new accounts, and November 8, 2026 for accounts created before October 24, 2026.

These Terms of Service ("Terms") are a binding agreement between you and ECQO Holdings Inc., a Delaware corporation ("ECQO," "we," "us," or "our"). They apply to every ECQO companion and white-label edition, our courses, certifications, simulation labs, member libraries, marketplace, websites, and related services (together, the "Services").

Before we start, four things you should know

Your ECQO companion is a companion, not a clinician. ECQO is not a licensed provider. What happens here is not therapy, not diagnosis, and not treatment.

This is not an emergency service. If something you say suggests your safety is at risk, the system brings you crisis resources immediately, in seconds, without waiting for a person to be available. If you are in immediate danger, call 911. For crisis support any time, call or text 988.

A trained human professional reviews sessions that raise safety concerns, at staffing. That review happens after the conversation, not during it. Nobody is watching you talk. If a conversation is paused for your safety, you will be told how long, and what is available to you in the meantime.

Your conversations are kept in a secure, tamper-evident record. That record is how we can show a reviewer, a regulator, or you exactly what happened. You can ask for your own data at any time.

1. Agreement

By creating an account, subscribing, enrolling, or using the Services, you agree to these Terms, our Privacy Policy, and our Consumer Health Data Privacy Policy, which are part of these Terms. You agree that we may provide agreements, notices, and records to you electronically. If you do not agree, do not use the Services.

2. The Services

ECQO provides a self-help companion for personal growth, skill building, and emotional support. The Services include:

Companions. Text and voice conversations with an AI companion, available directly from ECQO and through white-label editions offered under other names.
Check-ins. Short questions that personalize your experience and support our safety protocol.
Educational services. Courses, certificates of completion, professional certifications, simulation labs, and train-the-trainer programs.
Member library. Templates, infographics, audio, video, and research summaries made available to eligible members.
Marketplace. AI Twins and other offerings made with the consent of the creators and professionals they represent.

We may change, add, or remove features. We will give reasonable notice of changes that materially reduce what you paid for.

3. Nature of the Services

The Services are for general wellness, personal growth, and education. They are not health care. The companion does not provide therapy, counseling, psychotherapy, medical advice, or treatment, and it never presents itself as a licensed mental health professional or as a substitute for one. Using the Services does not create a therapist and client, doctor and patient, or any other professional care relationship with ECQO, its founder, its staff, or any reviewer.

Check-ins are wellness tools. They do not assess, identify, or rule out any medical or mental health condition. For decisions about your health, consult a qualified professional.

4. AI Disclosure and Companion Safeguards

You are talking with AI. Companion responses, including voice responses and AI Twins, are generated by artificial intelligence. They are not written or spoken live by a person.
Reminders. The companion tells you it is AI at the start of a conversation and reminds you at least every three hours during a continuing conversation. Ask at any time and it will confirm it is AI.
Breaks. The companion may suggest a break during long sessions.
Not for everyone. AI companions may not be suitable for some minors and are not designed for anyone under 18.
AI can be wrong. Responses can be incomplete, inaccurate, or a poor fit for your situation. Use your own judgment.

5. Safety Protocol

We publish this protocol so you know how the Services respond when safety is at risk.

Detection. Automated systems watch conversations for signs of suicidal thoughts, self-harm, harm to others, and other serious risk.
Immediate resources. When risk appears, the Services show crisis resources right away, including the 988 Suicide and Crisis Lifeline and other services that fit the situation, such as support for substance use, eating disorders, gambling, or violence. This works on every plan, with any balance, and without a subscription. Safety is never paywalled.
No harmful encouragement. The companion is designed not to encourage, describe methods of, or assist with suicide, self-harm, or harm to others.
Human review. A trained human professional reviews sessions that raise serious safety concerns after the conversation, at staffing.
Pausing. We may pause companion conversations for your safety. You will be told how long and what is available in the meantime.
Limits. The Services do not monitor you outside your conversations and do not dispatch emergency responders. If you are in immediate danger, call 911.
Improvement. We review how this protocol performs and update it as evidence and law change.

6. Eligibility

You must be at least 18 to create an account. At signup you confirm your age and your state of residence. If we learn that an account belongs to someone under 18, we will close it and delete its data as the law requires. An organization may offer the Services to people under 18 only under a separate written agreement with ECQO that provides any parental consent and protections the law requires.

7. Accounts

Give accurate information, keep your login private, and tell us right away about any unauthorized use at [email protected]. Accounts are personal and cannot be shared or transferred.

8. Plans, Usage, and Billing

Plans. Each product shows its plans, prices, and included voice and text usage on its pricing page and at checkout.

Usage. Conversations use the voice and text units in your plan. Unused units do not roll over and have no cash value. Top-ups are available at $5, $10, and $25, are added right away, and do not expire during an active subscription.

Automatic renewal. Subscriptions renew automatically at the end of each billing period at the price shown at checkout until you cancel. You authorize us to charge your payment method each period. We will tell you at least 30 days before a price increase takes effect.

Free trials. If a plan includes a free trial, it converts to a paid subscription at the end of the trial unless you cancel before it ends. We will send any reminder the law requires before the trial converts.

Payments. Payments are processed by Stripe. If a payment fails, we may retry it up to three times before suspending paid features. Crisis resources remain available.

9. Cancellation and Refunds

You can cancel online at any time in your account settings. Cancellation takes effect at the end of the current billing period, and you keep access until then. Fees and used top-ups are generally non-refundable, except where the law requires otherwise. New subscribers may request a refund within 7 days of the first charge at [email protected]. What happens to your data after cancellation is described in our Privacy Policy.

10. Courses, Certifications, and the Member Library

Certificates of completion confirm that you finished a course. They are not a license to practice any profession.

Professional certifications are earned by meeting the stated requirements, including any simulation lab work, and must be renewed every 24 months. A certification gives you rights to use ECQO technology only under a separate certification license agreement. Without that agreement, a certification gives you no right to use, resell, or represent ECQO technology.

Curriculum updates. We update course content on a regular schedule using de-identified and aggregated information, as described in our Privacy Policy. Certified members may be required to complete updates to stay current.

Simulation labs use synthetic members created by ECQO. No real person's conversation is used as a simulated member. Your lab work may be scored and reviewed to award credit.

Member library. Eligible members receive access to library materials, sometimes before public release. Your access is a personal, non-transferable license to use the materials in your own teaching, training, and presentations while your membership or license is active. You may not resell, sublicense, or publicly post library materials, or remove ECQO attribution, unless your license agreement allows it.

Train-the-trainer programs are governed by a separate trainer license agreement.

11. Organizational Deployments

If you use the Services through an employer, school, league, health care organization, or other partner, that organization's agreement with ECQO also applies. Organizations receive de-identified, aggregated reporting. They do not receive your conversation content. If you reach the Services through a health care organization under a HIPAA business associate agreement, that organization's notice of privacy practices also applies to you.

12. Marketplace and AI Twins

An AI Twin is an AI representation of a real person, made with that person's written consent. Its responses are generated by AI. They are not that person speaking live, and they are not professional advice from that person. Creators and professionals who offer Twins do so under a separate creator agreement.

13. Voice Features

Companion voices are licensed synthetic voices. If we offer voice cloning, we will collect your voice only with your separate written consent, as described in our Privacy Policy.

14. Acceptable Use

You agree not to:

use the Services for anything unlawful, or to harass, threaten, exploit, or impersonate anyone;
try to get around, test, or disable safety features, or push the companion to produce harmful content;
use the Services to create or seek content that sexualizes or endangers minors;
copy, scrape, reverse engineer, or extract the Services, their prompts, models, or data;
use the Services or their outputs to build or train a competing product or model;
share your account or access the Services with bots or automated tools; or
interfere with the security or operation of the Services.

We may suspend or close accounts that break these rules. Crisis resources stay available during any suspension.

15. Intellectual Property

The Services, including their software, conversation design, content, curricula, check-ins, and safety architecture, are owned by ECQO and protected by copyright, trademark, patent, trade secret, and other laws. Protected by one or more pending U.S. patent applications and ECQO Holdings trade secrets.

ECQO, ECQO Guard, and the names of ECQO products are trademarks of ECQO Holdings Inc. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for your own non-commercial purposes, unless a separate agreement says otherwise.

16. Your Content and How We Use It

"Your Content" means what you submit, including messages, voice audio, check-in responses, course work, and communications. You keep ownership of Your Content.

You give ECQO a non-exclusive, worldwide, royalty-free license to use, store, and process Your Content to:

provide, personalize, and secure the Services;
operate the safety protocol in Section 5; and
create de-identified and aggregated information, as described in our Privacy Policy, which we use to improve the Services, update our curricula and member library, and conduct research.

We will never publish your words, voice, or identity in curricula, research, marketing, or any other material without your separate written consent.

If you send us feedback or ideas, we may use them without obligation to you.

17. Research Participation

Some research uses only de-identified information, as described in our Privacy Policy. Research that uses information that identifies you happens only if you opt in separately. You can withdraw at any time, and we stop using your identifiable information for research from that point forward. Research that requires ethics board review will have that review before it begins.

18. Third-Party Services

The Services rely on third-party providers listed in our Privacy Policy. Links to third-party sites or services are provided for convenience. We are not responsible for their content or practices.

19. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT THE LAW ALLOWS, ECQO DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT PROMISE THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, THAT AI RESPONSES WILL BE ACCURATE, OR THAT YOU WILL REACH ANY PARTICULAR OUTCOME.

20. Limitation of Liability

TO THE FULLEST EXTENT THE LAW ALLOWS, ECQO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR DATA, ARISING FROM THE SERVICES OR THESE TERMS. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE THREE MONTHS BEFORE THE CLAIM OR ONE HUNDRED DOLLARS. THESE LIMITS DO NOT APPLY WHERE THE LAW DOES NOT ALLOW THEM.

21. Indemnification

To the extent the law allows, you will defend and hold ECQO harmless from claims arising from your misuse of the Services, Your Content, or your violation of these Terms or of anyone's rights.

22. Dispute Resolution and Arbitration

Talk to us first. Before filing a claim, email [email protected] with a description of the dispute, and give us 30 days to try to resolve it.

Binding arbitration. If we cannot resolve it, you and ECQO agree to resolve the dispute by individual binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration may take place by video or in your county of residence. Fees are allocated under those rules. If 25 or more similar claims are filed by the same or coordinated counsel, the AAA's mass arbitration rules apply.

Class action waiver. Claims may be brought only individually, not as a plaintiff or class member in any class, collective, or representative proceeding.

Exceptions. Either party may bring an individual claim in small claims court, or seek court relief to stop misuse of intellectual property or data. Nothing here prevents you from contacting a government agency.

Your right to opt out. You may opt out of this arbitration agreement by emailing [email protected] within 30 days of first accepting these Terms, with your name, account email, and a statement that you opt out.

23. Governing Law

These Terms and ECQO's internal affairs are governed by the laws of the State of Delaware, without regard to conflict of laws rules. Nothing in these Terms takes away any protection you have under the consumer protection, privacy or health data laws of the state where you live. Court matters not subject to arbitration under Section 22 will be heard in the state or federal courts in Clark County, Nevada, unless the law of your state requires another forum.

24. Ending This Agreement

You may stop using the Services and close your account at any time. We may suspend or close accounts for violations of these Terms, to protect others, or where the law requires. Sections 15, 16, 19 through 26, 28.11, 28.12, and 29 survive.

25. Changes to These Terms

We may update these Terms. For material changes, we will notify you by email at least 14 days before they take effect and may ask you to accept them in the Services. We record the version you accept. If you do not agree, cancel before the effective date.

26. General

These Terms, with the policies they reference and any separate agreement for a specific service, are the entire agreement between you and ECQO about the Services. If a provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms. We may assign them in a merger, acquisition, or sale of assets. We are not responsible for delays caused by events beyond our reasonable control.

27. Contact

ECQO Holdings Inc. Attn: Legal 5725 S Valley View Blvd, Ste 5, PMB 338981 Las Vegas, NV 89118 [email protected] +1 888-982-9423

28. Psych It

28.1 What Psych It is

Psych It is a feature of ERA, offered by ECQO. It gives you a Foundational Read, built once from the details you provide, and a Daily Healthscope: a short daily brief with timing windows, a few practices for your mental fitness plan and one next step. Psych It combines behavioral science with time-tested traditions to offer you possibilities to reflect on and practices to try.

28.2 Purpose of your readings

Your Foundational Read and Daily Healthscope are for self-reflection, personal growth and entertainment. They offer possibilities, and they never state what will happen to you or what a practice will do for you. Psych It does not identify, treat or manage any health condition and does not give medical, psychological, legal, financial or other professional advice. It does not replace care or advice from a qualified professional. Section 3 (Nature of the Services) and Section 19 (Disclaimers) apply to Psych It in full.

28.3 Your decisions are yours

You decide how to read and use your readings. Use your own judgment for every decision in your life, health, relationships, work and money. ECQO is not responsible for any decision you make, or any action you take or skip, based on a reading.

28.4 The details you give us

Your readings are built from the details you enter, including your full birth name, your current legal name if you give it, your date, time and place of birth, and your answers about your strengths, values, body, inner critic and decisions. Readings are only as complete as those details. If you do not know your birth time, or leave an optional question blank, the parts of a reading that need it are left out. You confirm that the details are about you, or that you have the right to give them.

28.5 Consent and your information

Before Psych It builds anything, you give a separate, affirmative consent for ECQO to use your birth details and your answers about your body and stress to build your readings. We record the date and version of that consent. ECQO shares your Psych It information only as Section 29 allows and never sells it without your signed authorization. Your Psych It information is handled under the ERA Privacy Policy and the Consumer Health Data Privacy Policy. You can edit your answers at any time in Psych It settings. "Delete my Psych It data" removes your Psych It information, including your consent record and past readings.

28.6 Practices are optional

Every practice in your mental fitness plan is optional. Choose only what is comfortable and safe for your body and your setting, and shorten or skip any practice. If a practice involves movement or breathing and you have a health condition, check with your own health professional first.

28.7 Safety

Every answer you type is checked by the ERA safety protocol in Section 5. When an answer shows a risk of immediate harm, Psych It shows crisis resources and builds no reading. A companion, not a clinician. Not an emergency service. In immediate danger, call 911. Crisis support, call or text 988.

28.8 Free reading

Visitors may receive one free first reading without an ERA account. To keep the offer to one per visitor, we store a one-way coded form of your network address with the date of the reading; we do not store the address itself. Daily delivery, scheduling and additional readings require an ERA membership or a Psych It subscription. If you join ERA, your free reading and answers move to your new account. Free reading records of visitors who do not join are deleted on a schedule we set.

28.9 Access, price and renewal

Psych It is included with ERA memberships as shown on the pricing page. Psych It on its own is offered as a subscription at the price shown before you buy, and it renews at the end of each period until you cancel under Section 9. If you move from a Psych It subscription to an ERA membership, the amount you paid for your current Psych It period is credited toward the membership.

28.10 Notifications

If you turn on notifications, Psych It sends one notification a day at the time you choose. You can change the time or turn notifications off at any time in Psych It settings.

28.11 Our methods and your license

Psych It, Healthscope, the Foundational Read, the Daily Healthscope, the mental fitness plan and the methods, calculations, rules, weights and writing behind them are the intellectual property and trade secrets of ECQO Holdings Inc. and are protected by Section 15. ECQO grants you a personal, non-transferable license to view your own readings and to share your own Daily Healthscope through the share button for non-commercial purposes. You may not copy, sell, publish or resell readings in bulk; use readings to build or train another product or model; or reverse engineer, scrape, probe or test Psych It to learn or reproduce its methods.

28.12 Ideas you send us

If you send us suggestions, feedback or ideas about Psych It, you grant ECQO a perpetual, worldwide, royalty-free right to use them for any purpose, with no duty to pay you or credit you. This does not change your ownership of Your Content under Section 16.

28.13 Service as provided

Psych It is provided as is and as available. AI writes your readings automatically from calculations and the details you give, and readings may be inaccurate, incomplete or unsuited to you. ECQO does not promise that any reading is accurate or that Psych It will always be available. Sections 20 (Limitation of Liability) and 21 (Indemnification) apply to Psych It.

28.14 Changes to Psych It

We may change, pause or stop Psych It or any part of it. If we stop a paid Psych It subscription, we will tell you in advance and you will not be charged for a period you cannot use. Changes to this section follow Section 25.

29. Your Privacy and Health Data Rights

29.1 Consent to collect. ECQO collects consumer health data only with your affirmative, voluntary consent, given separately for each feature that needs it, or where the data is necessary to provide a service you asked for. We record the date and version of each consent.

29.2 Separate consent to share. ECQO shares consumer health data with a third party only with a separate consent that names the purpose and the recipient, except with processors that act only on ECQO's instructions under contract.

29.3 Sale. ECQO does not sell consumer health data unless you give a separate, signed authorization that meets the requirements of your state's law.

29.4 No geofencing. ECQO does not use location boundaries around health care facilities to collect data or send messages.

29.5 Your rights. You may ask to confirm whether we hold your health data, receive a list of third parties and affiliates we shared it with, withdraw consent, correct it, and delete it. We respond within the time your state's law requires. If we decline a request, you may appeal, and we will explain how.

29.6 California residents. You have the rights the California Consumer Privacy Act gives you, including to know, delete, correct, limit the use of sensitive personal information, and opt out of sale or sharing. These rights cover personal information in any format, including inside AI systems. Where ECQO uses automated decision-making technology for a significant decision, we will give notice before use and offer an opt-out or human review as the law requires.

29.7 How your data improves ERA. With "Remember my sessions" on, your companion uses your earlier conversations to personalize your replies; turning memory off deletes that memory. If you say yes to Research and Analytics, ECQO uses anonymized patterns from your sessions, never conversation text or anything that identifies you, to study what helps and to improve the companion and its safety; saying no changes nothing about your service, and you can withdraw at any time. Records of safety reviews are kept for every member as Section 5 and the law require, and ECQO reports safety results only in counts that identify no one. ECQO does not use your conversation text, readings or health data to train AI models.

29.8 Documents. The Services do not accept uploads of medical records or other health documents. Please do not paste medical records into a conversation.

29.9 Where the Services are offered. The Services are offered in the United States. Access from other countries is at your own choice and risk.

29.10 Equal treatment. ECQO does not treat you differently for exercising any of these rights, and ECQO's systems are designed and reviewed to avoid unlawful discrimination.

29.11 Wearables and connected devices. If ECQO offers a connection to a wearable or other device in the future, ECQO will ask for your separate consent before it collects any device data, and will update these Terms under Section 25 before that feature launches.

29.12 Health data privacy policy. Our Consumer Health Data Privacy Policy describes the health data we collect, why, who we share it with, and how to use your rights.

30. AI Transparency

30.1 You are talking to AI. ERA companions and Psych It are artificial intelligence, not people. ERA tells you this when each conversation starts and at least every three hours in a continuing conversation, and whenever you ask.

30.2 Not professional care. ERA and Psych It are self-help tools for personal growth, skill building and emotional support. No ECQO AI provides, or holds itself out as providing, professional mental or behavioral health care, therapy or counseling, and no ECQO AI is a therapist, counselor, psychologist or other licensed professional.

30.3 Safety protocol. ERA uses evidence-informed methods to detect signs of suicidal thoughts and self-harm and refers you to crisis services, including 988, as described in Section 5. ECQO publishes this protocol and reports on it as the law requires.

30.4 AI output may be inaccurate. AI writes responses and readings automatically. They may be inaccurate, incomplete or unsuited to you. Check anything important with a qualified person before you act on it.

30.5 Crisis roles. When ERA detects a risk, the companion may speak in a named role for the edition you are using, such as "The Clinical Concierge." Every crisis role is AI. A crisis role refers you to crisis resources, including 988, and sends your conversation to ECQO's human review. A crisis role does not provide professional mental or behavioral health care, therapy, counseling, assessment or treatment, and it is not a clinician, therapist, counselor or other licensed professional. Human review times are described in Section 5.

30.6 Minors. The Services are for people 18 and over (Section 6). If ECQO offers any edition to minors under an organizational agreement, it will carry the protections the law requires for minors.

A companion, not a clinician. Not an emergency service. In immediate danger, call 911. Crisis support, call or text 988.