Terms of Use

1. Acceptance of Terms

By accessing or using SkillEra.IO ("the Service"), you agree to be bound by these Terms of Use. If you do not agree to these terms, do not use the Service. We reserve the right to modify these terms at any time, and your continued use constitutes acceptance of any changes.

2. Description of Service

SkillEra.IO provides AI-powered productivity tools, automation consulting services, interactive demos, and educational content. The catalog includes, among others, document generators, data extractors, financial estimators, contract analyzers, HR-cluster tools (resume screening, interview coaching, internal mobility), generative-content tools (text, image, audio, video), 3D-model and mapping tools, and operational planning tools. The Service is provided on an "as is" and "as available" basis.

3. Eligibility

You must be at least 16 years of age to use the Service. If you are between 16 and the age of legal majority in your jurisdiction, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf and is responsible for your use of the Service.

You may not use the Service if you are: (a) located in a country subject to comprehensive US sanctions (including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine); (b) listed on any US government list of prohibited or restricted persons (OFAC SDN, Entity List, Denied Persons List); or (c) prohibited by any applicable law from using the Service.

By using the Service, you represent that you meet these eligibility requirements.

4. AI-Generated Content Disclaimer

5. Domain-Specific Disclaimers

The following limits apply when you use a SkillEra.IO tool in a regulated or high-stakes domain:

Financial

Tools that produce budgets, forecasts, valuations, ROI estimates, financial dashboards, invoice summaries, or job estimates do not constitute financial, investment, accounting, or tax advice. Have all financial outputs reviewed by a qualified accountant, CFP, CPA, or other licensed professional before relying on them for business or personal decisions.

Legal

Tools that analyze contracts, summarize legal text, generate proposals, or produce database schemas do not constitute legal advice and do not create an attorney-client relationship. Have all legal outputs reviewed by a licensed attorney before relying on them for any legal matter.

Tax & Insurance

Tools do not constitute tax or insurance advice or coverage analysis. Consult a licensed tax or insurance professional.

Medical

SkillEra.IO does not offer medical or clinical tools. Do not use any tool to diagnose, treat, or manage a health condition. Do not upload protected health information (PHI). We are not a HIPAA business associate and the Service is not a HIPAA-compliant environment.

HR & Employment

Additional obligations apply to HR-cluster tools. See Section 7 (Automated Employment Decisions).

Engineering & Safety-Critical

Tools that generate process charts, root-cause analyses, disaster-recovery plans, hardware-lifecycle plans, or other operational artifacts must be reviewed by qualified engineers, safety officers, or domain specialists before any use in a safety-critical, life-critical, or production environment. AI-generated operational plans are starting points for expert review, not substitutes for it.

Geographic & Navigation

Mapping and 3D-model tools (including ai-maps and map-model-generator) draw on community-contributed and aggregated data sources (OpenStreetMap, Nominatim, Open-Meteo) that may be incomplete, outdated, or incorrect. Outputs are not suitable for navigation, dispatch, emergency response, land surveying, construction surveying or as-built documentation, military operations, or any safety-critical use. Conceptual, planning, marketing, visualization, and educational use is generally appropriate; always verify geographic outputs against authoritative sources before any operational reliance.

6. Responsible Use Policy

You agree to use our AI tools responsibly and in compliance with all applicable laws. You must NOT use the Service to:

• Generate illegal content of any kind
• Create content that exploits, harms, or endangers minors
• Generate content that promotes violence, terrorism, or self-harm
• Create deceptive deepfakes or impersonate real individuals without consent
• Produce content that infringes on intellectual property rights
• Generate fraudulent documents, fake credentials, or forged records
• Create content intended to harass, threaten, defame, or discriminate against others
• Circumvent AI safety measures, jailbreak models, or use prompt injection to bypass content filters
• Use generated content for spam, phishing, or social engineering
• Generate weapons designs, controlled substance synthesis instructions, malware, or other dangerous content
• Use the Service to make consequential decisions about individuals (employment, credit, housing, insurance, education) without human review and applicable legal compliance
• Generate content intended to manipulate elections, mislead voters, or impersonate political figures or officials
• Reverse-engineer, scrape, or harvest outputs at scale to train competing AI models

Violation of this policy may result in immediate account termination without refund and may be reported to appropriate authorities.

7. Automated Employment Decisions

8. AI Content Disclosure & Labeling

Several jurisdictions now require labeling of AI-generated content (including the EU AI Act Article 50, California AB 2655 / 2839, and similar state laws). When you publish, distribute, or otherwise make AI-generated content public, you are responsible for applying any required labels, disclosures, or watermarks under the law that applies to you and to your audience.

Generative content depicting real people, public figures, political subjects, election-related matters, or matters of public concern is subject to particularly stringent rules and prohibitions in many jurisdictions; you are solely responsible for compliance.

9. AI Image & Media Generation

If the Service includes AI image, video, or audio generation features, you additionally agree that:

• You will not generate images, audio, or video depicting real individuals without their explicit consent
• You will not create sexually explicit, violent, or otherwise harmful media
• You will not create voice clones or likeness clones of any person without that person's explicit consent
• Generated media may be based on training data and could inadvertently resemble existing works — you are responsible for checking originality before commercial use
• AI-generated media should be clearly labeled as AI-generated when shared publicly, in accordance with applicable disclosure laws (see Section 8)
• You retain usage rights to media generated through the Service for personal and commercial use, subject to these terms and any third-party model licenses that may apply

10. User-Provided Content

You retain ownership of content you upload or input to the Service. By uploading or inputting content, you represent that:

• You own the content or have the rights necessary to use, upload, and process it
• You will not upload content containing personal data of others without a lawful basis (consent, contract, or other valid basis under applicable privacy law)
• You will not upload content protected by attorney-client privilege, work-product doctrine, or other legal privilege unless you have determined that doing so does not waive the privilege under your jurisdiction's law. We are not your lawyer, and processing privileged material through third-party AI providers may waive the privilege
• You will not upload protected health information (PHI), educational records subject to FERPA, financial account credentials, government identifiers (SSNs, passport numbers, driver's license numbers) unless strictly necessary for the tool's stated purpose, or any other data whose use would violate law or contract
• You grant us a limited, revocable license to process your content solely to deliver the Service to you. We do not claim ownership of your content. Where contractually available, we have selected provider configurations that disable training on your inputs (for example, the OpenAI API does not, by default, train on inputs sent through it). We cannot guarantee provider behavior beyond our contract — see our Privacy Policy for the full provider list and links to each provider's policy

11. Third-Party Data and Services

Some tools integrate with third-party services including:

• OpenAI, Anthropic, Replicate, ElevenLabs, D-ID — AI model and media providers, each subject to their own usage and data policies
• OpenStreetMap & Nominatim — geographic data used under the Open Data Commons Open Database License (ODbL)
• Open-Meteo — elevation and weather data provided under open data licenses
• JSearch, Adzuna, SerpAPI — job-search and web-search aggregators, each subject to their own terms
• Stripe — payment processing subject to Stripe's privacy policy
• Supabase & AWS — data storage and infrastructure

Data accuracy from third-party sources is not guaranteed. Community-contributed and aggregated data may contain errors or omissions. We do not control and are not responsible for third-party services' availability or behavior.

12. Intellectual Property & Copyright

The Service, including its design, code, branding, and original content, is the intellectual property of SkillEra.IO. You retain ownership of your input data and the outputs generated through your use of the Service, subject to the limitations in these terms and any third-party model or data licenses that may apply.

DMCA Notice: If you believe content on the Service infringes your copyright, send a written notice to the contact email below containing: (a) your physical or electronic signature; (b) identification of the copyrighted work; (c) identification of the allegedly infringing material with sufficient detail to locate it; (d) your contact information; (e) a statement of good-faith belief that the use is not authorized; and (f) a statement under penalty of perjury that your notice is accurate and that you are authorized to act for the copyright owner. We will respond to compliant notices in accordance with the DMCA's safe-harbor procedures.

13. Community Board & User-Generated Content

The Service includes a community feedback board where users may post bug reports, feature requests, comments, and votes. By posting:

• You grant us a non-exclusive, worldwide, royalty-free license to display, reproduce, and distribute your post in connection with the Service
• You agree your post will not contain content prohibited by Section 6 (Responsible Use)
• We may moderate, edit, or remove posts at our discretion, including for off-topic content, harassment, spam, prohibited content, or content that violates these Terms
• We do not endorse user posts and are not responsible for their accuracy or content

14. Subscriptions, Tokens & Refunds

Premium features require a paid subscription or token purchase. Billing is processed through Stripe and subject to Stripe's terms.

Auto-Renewal

Subscriptions automatically renew at the end of each billing period at the then-current rate. You may cancel auto-renewal at any time from your account settings or by contacting us; cancellation takes effect at the end of the current billing period. Where required by law (including the California Automatic Renewal Law), you will receive renewal reminders.

Refunds

• Tokens consumed by successful tool runs are non-refundable.
• Technical-error refunds. If a tool run fails because of a verifiable technical error or service outage on our side, the tokens consumed by that failed run will, in most cases, be credited back to your token balance. Submit the affected request through the in-app bug-report flow with the run details. Token refunds in this situation are evaluated case-by-case based on the nature of the error and are not guaranteed.
• Subscription refunds. Subscription fees are non-refundable. You may cancel auto-renewal at any time to stop future charges; access continues through the end of your current billing period. Where required by consumer-protection law in your jurisdiction (for example, statutory cooling-off periods), we will honor those rights.
• We may, at our discretion, issue token credits in other situations involving service errors. We are not obligated to do so.

Pricing Changes

We may change pricing with at least 30 days' notice to active subscribers. Your existing billing period is not affected by mid-period price changes. Free-tier access may be modified or discontinued at any time.

15. Limitation of Liability

16. Indemnification

You agree to defend, indemnify, and hold harmless SkillEra.IO, its operators, and its contractors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney fees) arising from:

• Your use of the Service in violation of these Terms
• Your use of AI-generated content in any production, external, or decision-making context
• Your violation of any law or regulation applicable to your use of the Service
• Any content you upload, input, or distribute through the Service
• Your violation of the rights of any third party, including privacy, publicity, intellectual property, or contractual rights
• Your use of HR-cluster tools in employment decisions (see Section 7)

17. Termination

We may suspend or terminate your account at our discretion if you violate these terms, particularly the Responsible Use Policy or the Automated Employment Decisions section. Upon termination, your right to access the Service ceases immediately. Sections regarding liability, indemnification, intellectual property, and dispute resolution survive termination.

18. Export Controls & Sanctions

You agree to comply with all applicable export-control and sanctions laws (including US Export Administration Regulations and US Treasury Department OFAC regulations). You will not use the Service, or transmit any output from the Service, in violation of those laws. You will not export or re-export the Service or any derivative to any restricted jurisdiction or person identified in Section 3.

19. Governing Law & Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws provisions. Where the law of another US state, country, or jurisdiction grants you mandatory consumer or privacy rights that cannot be waived by contract, those rights apply to you to the extent required by that law, notwithstanding this section.

Mandatory Arbitration

Except for (a) small-claims actions under $10,000 brought in your local small-claims court, and (b) actions seeking injunctive or other equitable relief for actual or threatened infringement of intellectual property or breach of confidentiality, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator, the seat of arbitration shall be North Carolina, and the language shall be English. Judgment on the arbitrator's award may be entered in any court of competent jurisdiction.

Class-Action Waiver

You and SkillEra.IO each agree to bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate the claims of multiple parties or preside over any class or representative proceeding. If this class-action waiver is found unenforceable in any respect, the entire arbitration provision in this Section 19 shall be void, and any dispute shall instead be heard exclusively in the state or federal courts located in North Carolina, to whose jurisdiction you and SkillEra.IO consent.

30-Day Opt-Out

You may opt out of the arbitration and class-waiver provisions of this Section 19 by sending written notice within 30 days of first accepting these Terms to Kristopher.Penland@Skillera.io, stating your name, account email, and intent to opt out. An opt-out does not affect any other provision of these Terms.

20. Contact

For questions about these terms, contact us at Kristopher.Penland@Skillera.io.