Terms of Use

Effective date: [EFFECTIVE_DATE] Last updated: [LAST_UPDATED_DATE]

If you are in crisis or thinking about harming yourself or others, stop using this app and contact emergency services or a crisis line immediately. CBT Quest is a personal journaling tool, not a medical device, not therapy, and not a crisis service. See Section 3 for crisis resources and Section 2 for the full nature-of-the-service disclosure.

0. Publisher

CBT Quest is published by:

• Trader / publisher: [PUBLISHER_LEGAL_NAME], a natural person (sole individual) resident in the Republic of Poland.
• Address: [PUBLISHER_POSTAL_ADDRESS], Poland
• Polish tax ID (NIP): [NIP_IF_REGISTERED]
• Legal contact: legal@cbt.quest
• Privacy contact: privacy@cbt.quest
• App Store publisher name: as displayed on the CBT Quest App Store listing

All references in these Terms to "CBT Quest", "we", "us", or "our" mean the publisher named above. These Terms satisfy the information requirements of Article 6(1)(b)–(c) of Directive 2011/83/EU (Consumer Rights Directive), Article 12(1) of the Polish Consumer Rights Act (ustawa o prawach konsumenta, 30 May 2014), and equivalent trader-identification laws in other jurisdictions.

1. Acceptance of Terms

By downloading, installing, or using CBT Quest, you agree to be bound by these Terms, our Privacy Policy, and — for subscribers in Washington State or Nevada — our separate Consumer Health Data Privacy Policy. If you do not agree, do not use the app.

2. Nature of the Service

CBT Quest is a personal voice-journaling application that helps you structure self-reflection using concepts drawn from Cognitive Behavioral Therapy ("CBT"). The techniques referenced — including the identification of common cognitive distortions and the formulation of balanced thoughts — are based on publicly described self-help frameworks (e.g. the cognitive model articulated by Aaron T. Beck and subsequent public-domain descriptions) and are not delivered by a licensed mental-health professional.

CBT Quest is a tool for personal insight only. It is not a medical device, not a mental-health service, not therapy, not a substitute for diagnosis or treatment, and not a crisis resource. Specifically and without limitation:

• The labelling of a thought as a "cognitive distortion" is a pattern-matching exercise on the text you provided, not a clinical assessment of your mental state.
• The generation of "balanced thoughts" is a language-model output based only on the text you recorded in that session, without any clinical history, context, or judgement.
• Any scoring, trend, streak, mood indicator, or summary the app may display is for journaling motivation only and is not a health measurement.
• AI-generated analysis may contain errors, hallucinations, or inappropriate suggestions and may not be accurate.
• You remain solely responsible for your own wellbeing and for any decisions you make.

If you are considering changes to medication, treatment, or therapy — or if you are in distress — consult a qualified healthcare professional.

3. Not a Medical Device

CBT Quest has not been evaluated or cleared as a medical device by the U.S. Food and Drug Administration, the European Medicines Agency, the UK Medicines and Healthcare products Regulatory Agency (MHRA), Health Canada, Australia's TGA, Japan's PMDA, Brazil's ANVISA, or any other regulatory body. CBT Quest makes no claim to diagnose, cure, mitigate, prevent, or treat any condition, disease, or disorder — including but not limited to anxiety, depression, post-traumatic stress disorder, or any other condition classified in DSM-5 or ICD-11.

CBT Quest is not HIPAA-covered. We are not a HIPAA Covered Entity or Business Associate. We do not provide "treatment" as defined by HIPAA or any state mental-health statute.

If you believe you need medical or mental-health care, please contact a licensed professional.

3a. Crisis Resources

If you are in crisis, stop using this app and contact emergency services or a crisis line immediately.

CBT Quest does not perform clinical crisis detection. The app does not scan your content for suicide risk and does not automatically escalate to any third party. If your recording contains content indicating risk of harm, the AI will not reliably redirect you to help — you must take that step yourself. This is a deliberate design choice consistent with the privacy architecture described in our Privacy Policy (no clinical content leaves your device in identifiable form). If this limitation is unacceptable for your needs, please use a clinically supervised service instead.

4. AI-Generated Content

The app uses third-party AI services — Deepgram for speech-to-text transcription and Anthropic's Claude language model for text analysis — to process each recording you submit for analysis.

4.1 Transparency disclosure (EU AI Act Article 50)

In compliance with Regulation (EU) 2024/1689 (the "EU AI Act", binding transparency obligations from 2 August 2026):

• CBT Quest is an AI-enabled system that you interact with directly. Your voice is transcribed by an automated speech-recognition system and analysed by a general-purpose AI language model. You are not speaking with a human at any point.
• The structured reflection the app returns is AI-generated content. It is visibly marked as such in the app, and where technically feasible is marked in a machine-readable form in accordance with Article 50(2).
• The AI is a general-purpose large-language model and has not been trained, certified, or validated as a medical device.
• Deepgram's ASR models and Anthropic's Claude are "general-purpose AI models" within the meaning of EU AI Act Art. 3(63). We rely on Anthropic's and Deepgram's compliance as upstream providers.

4.2 AI limitations

AI-generated output:

• May contain factual errors, hallucinations, mischaracterisations, or output unrelated to what you said;
• Is generated solely from the text of the recording in the current session — the AI has no memory of past sessions, no knowledge of who you are, no clinical history, and no professional training;
• Does not represent the views, recommendations, or endorsements of the publisher;
• Is not medical, psychological, legal, or professional advice;
• Must not be relied on for decisions about your health, safety, or relationships;
• Is provided for personal journaling and self-reflection only.

4.3 No AI training on your content

Your audio, transcripts, and analyses are not used to train AI models under the API tiers we use with Deepgram and Anthropic. We do not train any model of our own on your content.

If you are in crisis, do not rely on the app. Contact the resources in Section 3a.

5. Acceptable Use

You agree to use the app only for lawful personal purposes. You must not:

• Attempt to reverse-engineer, decompile, disassemble, or tamper with the app except to the extent permitted by mandatory local law (e.g. Directive (EU) 2009/24/EC Article 6 interoperability);
• Use the app in ways that violate applicable law or that infringe any third party's rights;
• Attempt to circumvent usage quotas, subscription restrictions, abuse-prevention systems, or security controls;
• Use the app on behalf of others without their knowledge and consent;
• Use the app to harass, stalk, or cause harm to others, including by recording or processing other people's voices without their consent;
• Upload content that is unlawful, contains malware, or is intended to disrupt the service;
• Use the app in a jurisdiction where its provision is prohibited (see Section 12).

6. Subscriptions, Payments, Renewal, and Cancellation

6.1 Free and paid tiers

CBT Quest is available as:

• (a) a Free Tier with limited weekly AI-analysis credits; and
• (b) an auto-renewing Subscription that removes those limits.

You may use the Free Tier indefinitely without subscribing.

6.2 Subscription offerings

Current plans (indicative; prices in the App Store at the time of purchase are binding):

• Monthly Plan — [PRICE_MONTHLY] per month, billed monthly, renews every month.
• Annual Plan — [PRICE_ANNUAL] per year, billed annually, renews every year.

Local-currency equivalents and country-specific taxes are set by Apple at the point of sale.

6.3 Seller of record

Apple Distribution International Ltd. (Ireland) or Apple Inc., as applicable to your App Store region, is the merchant and seller of record for every Subscription purchase on iOS. Apple collects the price, remits applicable taxes (including EU VAT), and manages billing. We do not collect, process, or store your payment information.

6.4 Auto-renewal — Apple-required disclosure

Payment will be charged to your Apple ID account at confirmation of purchase. Your Subscription automatically renews unless canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period, at the price of the plan you purchased. You can manage or cancel your subscriptions at any time by going to your account settings on the App Store after purchase.

6.5 How to cancel

Cancel at any time from your Apple ID subscription settings (iOS: Settings → [your name] → Subscriptions → CBT Quest → Cancel Subscription, or via the App Store). Cancellation takes effect at the end of the current paid period; you keep access until that date. You are not required to use the app or contact us to cancel. We do not have the ability to cancel your Subscription on your behalf.

6.6 Refunds

All refund requests for App Store purchases must be submitted to Apple at reportaproblem.apple.com or via your Apple ID → Purchase History. We do not process refunds directly and cannot override Apple's refund decision. This does not limit any non-waivable statutory right you have as a consumer (see Sections 9 and 10).

6.7 Price changes

We may change Subscription prices from time to time. For any price increase, Apple will notify you in advance by email, push notification, and/or in-app notice in accordance with Apple's subscription price-change policy. Where Apple's rules or applicable law require your consent to the increase, your Subscription will not renew at the new price unless you affirmatively opt in; where consent is not required, you may still cancel before renewal to avoid the new price. We commit to at least 30 days' advance notice of any price increase.

6.8 Trials and promotional offers

If a free trial or introductory offer is made available, the full post-trial price and renewal terms will be disclosed before you commit. If you do not cancel at least 24 hours before the end of the trial, your paid Subscription begins automatically at the disclosed price. California residents: this section is intended to satisfy Cal. Bus. & Prof. Code §§ 17601–17606 (California Automatic Renewal Law, as amended by AB 2863 effective 1 July 2025).

6.9 Restoring purchases

You can restore previously purchased Subscriptions via the in-app Restore Purchases button, tied to your Apple ID.

6.10 Apple EULA

Your purchase is additionally governed by Apple's Licensed Application End User License Agreement. Apple is a third-party beneficiary of these Terms to the extent of the provisions required by the Apple EULA. Schedule: apple.com/legal/internet-services/itunes/dev/stdeula/.

7. Intellectual Property

All content in the app — including its design, code, graphics, and text — is owned by or licensed to the publisher and protected by intellectual-property law. You may not reproduce, distribute, or create derivative works from any app content without written permission.

Your journal entries are your own. You retain full ownership of any voice recording, transcript, or note you create in the app. Because these remain on your device, we have no rights over them.

7.1 Limited licence for service delivery

Solely for the purpose of providing the audio transcription and AI-analysis feature, you grant us a limited, non-exclusive, non-sublicensable, royalty-free licence to:

• transmit your audio to Deepgram for transcription;
• transmit the resulting transcript to Anthropic for analysis;
• route the AI response back to your device.

This licence is strictly scoped to the single request and terminates when the response is delivered. We do not retain, store, train on, or otherwise use your content beyond the ephemeral processing window described in Privacy Policy §4.

8. Service Availability

We use reasonable commercial efforts to maintain availability, but we do not guarantee uninterrupted availability of the app or its AI-powered features. AI analysis requires an internet connection and depends on third-party services (Deepgram, Anthropic, Apple's App Store, RevenueCat). Planned maintenance will be notified in-app where practical.

Subject to Sections 9 and 10, we are not liable for loss caused by service interruptions, downtime, or feature unavailability.

9. Statutory Rights and Conformity (Consumers)

9.1 Your statutory rights are not excluded

If you are a consumer, nothing in these Terms limits or excludes any right you have under applicable mandatory consumer-protection law, including:

• the right to a 14-day withdrawal for distance contracts under Directive 2011/83/EU (EU Consumer Rights Directive) as implemented in your jurisdiction, subject to the digital-content exception described in Section 9.2;
• the right to conformity of digital content and digital services under Directive (EU) 2019/770 (Articles 7–8 conformity, Article 14 remedies), the UK Consumer Rights Act 2015 (Part 1, Chapter 3), and equivalent national laws;
• the right to updates, including security updates, necessary to keep the Subscription in conformity for the duration of the contract (DCD Art. 8(2));
• for US consumers, any non-waivable right under the California Consumer Privacy Act, the Washington My Health My Data Act, the Illinois Biometric Information Privacy Act, state consumer-protection acts, the Federal Trade Commission Act § 5, or analogous state or federal law;
• for Polish consumers, rights under the Polish Consumer Rights Act of 30 May 2014 and the Polish Civil Code (Art. 385¹–385³ on unfair terms);
• for Brazilian consumers, rights under the Código de Defesa do Consumidor (Law 8.078/1990);
• for Australian consumers, consumer guarantees under the Australian Consumer Law that cannot be excluded;
• for Quebec consumers, rights under the Civil Code of Québec and the Consumer Protection Act.

9.2 Withdrawal — digital-content exception

By starting to use the Subscription (including initiating an AI analysis or using paid features) during the 14-day withdrawal period, you (i) expressly consent to the immediate performance of the Subscription, and (ii) acknowledge that you thereby lose the right of withdrawal under Article 16(m) of Directive 2011/83/EU (and equivalent national law, including Article 38(13) of the Polish Consumer Rights Act). Apple collects this consent as part of the App Store purchase flow.

9.3 Model withdrawal form

A model withdrawal form for purchases not covered by 9.2 is available on request at legal@cbt.quest. Refund requests for App Store purchases must still be submitted through Apple (Section 6.6).

9.4 Durable-medium delivery

These Terms and the Privacy Policy are provided to you on a durable medium via their in-app links and the permanent URLs referenced in Section 17. You may save or print copies at any time.

10. Limitation of Liability

10.1 Liability we do not limit

Nothing in these Terms excludes or limits our liability for:

• (a) death or personal injury caused by our negligence;
• (b) gross negligence or wilful misconduct;
• (c) fraud or fraudulent misrepresentation;
• (d) any liability that cannot be excluded or limited under applicable mandatory consumer-protection law (including, for EU consumers, rights under Directive 93/13/EEC and national implementing laws; for UK consumers, rights under the Consumer Rights Act 2015; for Polish consumers, rights under the Polish Civil Code Art. 473 § 2 and Art. 558 § 1; and for consumers in any other jurisdiction, rights under the mandatory law of their habitual residence).

10.2 Indirect damages

Subject to Section 10.1, and to the maximum extent permitted by applicable law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the app, including without limitation loss of data, loss of profit, harm arising from reliance on AI-generated content, decisions made based on app output, or service interruptions.

10.3 Aggregate cap

Subject to Section 10.1, our total aggregate liability to you arising from or in connection with the Subscription shall not exceed the greater of (a) the amount you paid us (net of taxes and fees retained by Apple) in the 12 months preceding the event giving rise to liability, and (b) EUR 100.

10.4 Safety context

The app is a tool for personal reflection, not medical or psychological advice, and is not designed to detect or respond to psychiatric emergencies. In a crisis, contact the services listed in Section 3a.

10.5 Mandatory local backstop

Mandatory consumer-protection rights under the law of your habitual residence are not affected by this Section 10.

11. Governing Law and Disputes

11.1 For consumers resident in the EU/EEA/UK/Switzerland

These Terms are governed by the laws of the Republic of Poland, excluding its conflict-of-laws rules. This choice of law does not deprive you of the protection afforded by mandatory provisions of the law of the country in which you have your habitual residence (Article 6(2) of Regulation (EC) 593/2008 (Rome I)).

You may bring proceedings against us either in the courts of Poland or in the courts of the EU/EEA Member State, UK, or Switzerland in which you reside (Articles 17–18 of Regulation (EU) 1215/2012 (Brussels I Recast), and equivalent UK and Swiss post-Brexit analogues). We may bring proceedings against you only in the courts of your place of residence.

Polish consumers may contact the permanent consumer-arbitration court at the Provincial Trade Inspection Inspectorate (Wojewódzki Inspektorat Inspekcji Handlowej) or the District Consumer Ombudsman (Powiatowy Rzecznik Konsumentów). The EU Online Dispute Resolution Platform established under Regulation (EU) No 524/2013 was discontinued on 20 July 2025 by Regulation (EU) 2024/3228 and is no longer available.

11.2 For consumers resident in the United States

If you are resident in the United States, you agree that any dispute arising out of or relating to these Terms or the app will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, seated in Wilmington, Delaware, in English. You waive any right to participate in a class action or class arbitration.

• Opt-out. You may opt out of this arbitration clause by sending written notice to legal@cbt.quest within 30 days of first accepting these Terms, stating your name, Apple ID email, and the words "I opt out of arbitration". Opting out does not affect any other provision of these Terms.
• Small-claims carve-out. Either party may bring a qualifying claim in a small-claims court with jurisdiction, instead of arbitration.
• Injunctive relief for IP. Either party may seek injunctive relief for actual or threatened infringement, misappropriation, or violation of intellectual-property or confidentiality rights in any court of competent jurisdiction.
• Unwaivable state rights. This Section 11.2 does not waive any right you have under a US federal or state statute that grants a non-waivable private right of action (including BIPA, Washington MHMDA, CCPA, and similar laws), nor your right to file a complaint with a regulator.

11.3 For all other users

For disputes not covered by Section 11.1 or 11.2, these Terms are governed by the laws of the Republic of Poland, excluding its conflict-of-laws rules and excluding the United Nations Convention on Contracts for the International Sale of Goods. The courts of Warsaw, Poland have exclusive jurisdiction, except where your local mandatory consumer-protection law requires otherwise; in that case the mandatory provisions of your local law prevail to the minimum extent necessary to comply with them.

11.4 Regulatory complaints

Nothing in this Section 11 prevents you from bringing a complaint to the data-protection authority named in the Privacy Policy (see Privacy Policy §9.4), nor from exercising any non-derogable consumer-protection right.

12. Service Availability and Export Controls

12.1 Markets we serve

CBT Quest is offered in markets where it is both commercially and legally available. Service availability ultimately depends on Apple App Store availability in your region.

12.2 Markets we do not serve

CBT Quest is not offered to users in the following territories due to applicable sanctions, data-localisation laws, and commercial considerations:

• Russia and Belarus — geo-excluded from App Store availability by the publisher;
• Cuba, Iran, North Korea — OFAC comprehensively sanctioned;
• Crimea and the Donetsk, Luhansk, Kherson, and Zaporizhzhia occupied regions of Ukraine — OFAC comprehensively sanctioned;
• China — the publisher has not established the local representative required by PIPL Article 53.

12.3 Your representation

By using the app you represent that you are not located in, a resident of, or ordinarily present in any of the territories listed in 12.2, and that you are not on any US, EU, UK, or UN sanctions list.

12.4 Availability changes

Territory availability may change with sanctions developments, App Store policy, or publisher decisions. We will update this list as changes occur.

13. Changes to These Terms

13.1 Reasons for change

We may update these Terms to reflect (a) changes in the app's features, (b) changes in applicable law, (c) changes in our third-party providers, or (d) reasonable commercial or operational needs.

13.2 Notice

We will notify you of material changes at least 30 days before they take effect, via an in-app notice and/or push notification. Non-material changes (clarifications, typo fixes, provider URL changes) take effect when the updated Terms are posted.

13.3 Your right to cancel

If you do not accept a material change, you may cancel your Subscription before the change takes effect; your Subscription will continue at the current terms until the end of your paid period.

13.4 Acceptance

For consumers, continued use of the Subscription after a material change takes effect constitutes acceptance only where permitted by applicable law; where the change adversely affects you and your consent is required, we will request it affirmatively via an in-app prompt.

Previous versions are archived at staging.cbt.quest/legal/terms-of-use/archive.

14. Miscellaneous

14.1 Force majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, war, sanctions, internet outages, third-party service failures (Apple, Deepgram, Anthropic, Google, RevenueCat, hosting providers), pandemics, or acts of government, to the extent such exemption is permitted by applicable consumer law.

14.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. An invalid provision will be replaced by an enforceable provision that most closely approximates the intent of the original.

14.3 Entire agreement

These Terms, the Privacy Policy, the Consumer Health Data Privacy Policy (where applicable), and Apple's Licensed Application EULA constitute the entire agreement between you and us regarding the app.

14.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign these Terms to a successor in connection with a transfer of the business, provided any successor is bound by terms no less protective of you.

14.5 Survival

Sections 3 (medical-device disclaimer), 4 (AI disclaimer), 7 (IP), 9 (statutory rights), 10 (liability), 11 (governing law), and any clause that by its nature should survive termination, will survive termination of your use of the app.

14.6 Language

These Terms are published in English. Any translations are provided for convenience; in case of conflict, the English version governs, except where mandatory consumer law requires otherwise in your jurisdiction.

14.7 No waiver

Our failure to enforce any right or provision is not a waiver.

14.8 Minimum device requirements

The app requires iOS [MIN_IOS_VERSION]+. Older iOS versions may not receive security updates; we are not responsible for vulnerabilities on unsupported platforms.

15. Apple-Specific Terms

As required by Apple's Licensed Application End User License Agreement:

• License. The licence granted to you for CBT Quest is a non-transferable licence to use the application on any Apple-branded device that you own or control, subject to the Usage Rules of the Apple Media Services Terms and Conditions.
• Maintenance and support. The publisher (not Apple) is solely responsible for providing maintenance and support for the app.
• Warranty. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the app.
• Product claims. The publisher (not Apple) is responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product-liability claims, any claim that the app fails to conform to applicable legal or regulatory requirements, consumer-protection claims, and intellectual-property claims.
• Apple as third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you as a third-party beneficiary.

16. Accessibility

We strive to meet WCAG 2.1 AA accessibility standards. The EU European Accessibility Act (Directive (EU) 2019/882, effective 28 June 2025) applies to digital consumer services; known accessibility gaps are tracked at staging.cbt.quest/legal/accessibility. Accessibility concerns: accessibility@cbt.quest.

17. Contact

• Legal inquiries and service of process: legal@cbt.quest, with duplicate hard copy to [PUBLISHER_POSTAL_ADDRESS], Poland.
• Privacy inquiries: privacy@cbt.quest
• Security disclosures: security@cbt.quest
• Accessibility: accessibility@cbt.quest

These Terms are published at staging.cbt.quest/legal/terms-of-use.

© [YEAR] CBT Quest. All rights reserved.