AI Chat lets you ask questions about your clients, notes, and trips in plain language and get answers instantly, without digging through records yourself.
AI Chat lets you ask questions about your clients, notes, and trips in plain language and get answers instantly, without digging through records yourself.This is a rapidly evolving feature. We're adding new capabilities regularly, and the behavior described here reflects the state of the feature as of late March 2026.
This is a rapidly evolving feature. We're adding new capabilities regularly, and the behavior described here reflects the state of the feature as of late March 2026.
How it works
AI Chat is available in two places:
Inside a note. Open any note and use the chat panel to ask questions about that specific note. The AI already has the full note in front of it, so answers are fast and direct.
From the Notes section. Access chat from the Notes section without a specific note open. The AI can search across your entire notes library to find relevant information and answer broader questions.
What you can ask
AI Chat works best for questions grounded in your notes and client data. Here are examples of what advisors are already using it for:
Summarizing notes. "Give me a quick summary of this call." "What did we discuss about their budget?"
Drafting communications. "Draft a follow-up email based on this conversation." "Write a recap of this trip planning call."
Looking up client details. "What are the Smiths' dietary preferences?" "What hotel are they staying at on day three?"
Pulling specific note details. "What are the voucher details for this client?" "What did I note about their preferences for cruises?"
Cross-referencing your records. "What have I learned about this client across recent calls?" "What should I focus on for their next trip?"
The more detail you store in your notes and CRM, the more powerful these questions become. Some advisors log vouchers, cancellation credits, and special access details directly in their trip notes. They can then ask the chat for those details on demand instead of hunting for them manually.
What data the AI can access
The AI reads from your notes and CRM records. Here's a breakdown of what's available today.
From your notes
Full note content, title, and what the note is attached to (a contact or a trip)
From contact records
Name, email, phone, and address
Birthday and anniversary
Activity interests (e.g., snorkeling, hiking)
Food and drink preferences, including dietary restrictions and allergies
Travel preferences: flight seating, bulkhead preference, hotel room floor, elevator proximity, cruise cabin location and floor
Related contacts and their relationship type (e.g., spouse, child), including who's designated as an emergency contact
Up to 10 recent trips
From trip records
Trip name and status
Travelers on the trip, including their contact details
Itinerary options with dates and status
Day-by-day schedule with locations and activities
Individual activity details including type, dates, total cost, and full description
What the AI can't access
Some data is intentionally outside the AI's reach today. If you ask a question and the answer seems incomplete, it may be because the data lives in one of these areas:
Passport and travel document information
Payment or billing details beyond the total cost of an activity
Commission data
Email threads
File attachments or images on notes, contacts, or activities
Any data belonging to other advisors — the AI only sees your own records
If something feels like it should be answerable but isn't, it's worth checking whether the relevant data is stored in a place the AI can reach. For example, details logged in a note will be accessible. Details stored only in an email thread will not.
What it can't do
AI Chat is built to read and reason over your notes and CRM data. It cannot create or modify records, send emails, or take actions in Tern on your behalf.
If you ask it to do something outside its scope, you'll see a message like: "I can only read and search notes — I'm not able to create or modify records in Tern."
Common things that will return this message:
Asking it to create a note, trip, or contact
Asking it to send an email or make a booking
General knowledge questions not tied to a specific client ("What's the best time to visit Japan?")
Questions about how Tern works as a product ("How do I connect my email?")
For questions about how to use Tern, the Help menu at the top of the app is the best place to start.
How to make it smarter
AI Chat is only as powerful as your notes and CRM data. Advisors who invest in detailed notes get significantly more out of it.
A few practices that pay off:
Log call summaries, client preferences, and decisions in notes after every interaction. Hint: Use the Tern Note Taker.
Keep contact profiles updated with travel preferences, dietary needs, and relationship details
Your data and privacy
AI Chat is designed to share as little data as necessary to answer your question. When you ask something, only the relevant information needed to respond is passed to the AI. Your data is not stored in the AI between sessions.
We're intentional about what gets shared. Sensitive fields — like passport information, payment details, and commission data — are never sent to the AI, regardless of what you ask.
Any data shared with the AI is processed under an enterprise agreement with strong data protection standards in place. Your data is never used to train third-party AI models.
We apply the same standards to your client data that we apply to Tern's own proprietary data. If you have questions or concerns about how your data is handled, reach out to our support team through the Help menu.
Share your feedback
We're actively improving AI Chat based on advisor input. If something isn't connecting the way you'd expect, data seems like it should be accessible but isn't, or you want to request new capabilities, we want to know.