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February 6, 2026 15 min read Lukas Simianer

Legal Disclaimer

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    Last Updated: March 12, 2026

    This Legal Disclaimer (this “Disclaimer”) is incorporated into and forms an integral part of the VetClaims.ai Terms of Service (Consumer and Enterprise) and Privacy Policy entered into by and between you (“User,” “you,” or “your”) and PatriotClaims LLC, a Texas limited liability company with its principal place of business located at 14205 Burnet Road, Suite 570, PMB 553893, Austin, Texas 78728-6529 (“Company,” “we,” “us,” or “our”). This Disclaimer applies to all use of the VetClaims.ai platform, including the website located at https://vetclaims.ai/, any mobile applications (iOS and Android), APIs, and all related services, features, content, and functionality (collectively, the “Platform” or “Services”).

    By accessing, browsing, registering for, or using the Platform or Services in any manner, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer. If you do not agree to this Disclaimer, you must immediately cease all use of the Platform and Services.

    I. NATURE OF SERVICES AND NON-REPRESENTATION

    A. Educational and Informational Services Only

    PatriotClaims LLC operates the Platform as an educational and informational technology service designed to assist United States military veterans (“Veterans”) in understanding, preparing, and managing claims for disability compensation and related benefits administered by the United States Department of Veterans Affairs (“VA”). The Platform provides AI-driven tools, educational resources, informational content, templates, guides, articles, and other materials intended to enhance Veterans’ knowledge, understanding, and ability to independently navigate the VA disability claims process.

    B. No Legal Advice or Legal Representation

    THE COMPANY IS NOT A LAW FIRM, DOES NOT ENGAGE IN THE PRACTICE OF LAW, AND DOES NOT PROVIDE LEGAL ADVICE, LEGAL OPINIONS, LEGAL REPRESENTATION, LEGAL COUNSEL, OR LEGAL SERVICES OF ANY KIND, WHETHER ORAL, WRITTEN, ELECTRONIC, OR OTHERWISE. THE INFORMATION, TOOLS, TEMPLATES, GUIDES, ARTICLES, AI-GENERATED OUTPUTS, AND OTHER MATERIALS PROVIDED THROUGH THE PLATFORM (COLLECTIVELY, “MATERIALS”) ARE PROVIDED FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE LEGAL ADVICE, LEGAL REPRESENTATION, OR LEGAL SERVICES.

    USE OF THE PLATFORM AND MATERIALS DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP, FIDUCIARY RELATIONSHIP, CONFIDENTIAL RELATIONSHIP, OR ANY OTHER PROFESSIONAL OR ADVISORY RELATIONSHIP BETWEEN YOU AND THE COMPANY. THE COMPANY DOES NOT ACT AS YOUR ATTORNEY, LEGAL REPRESENTATIVE, AGENT, ADVOCATE, FIDUCIARY, OR ADVISOR IN ANY CAPACITY.

    C. No VA Accreditation

    THE COMPANY IS NOT ACCREDITED BY THE VA OFFICE OF GENERAL COUNSEL AS AN ATTORNEY, AGENT, CLAIMS AGENT, OR VETERANS SERVICE ORGANIZATION (“VSO”) UNDER TITLE 38 OF THE CODE OF FEDERAL REGULATIONS, PART 14 (“38 C.F.R. PART 14”), OR ANY OTHER APPLICABLE FEDERAL OR STATE REGULATION OR STATUTE. ONLY INDIVIDUALS OR ORGANIZATIONS ACCREDITED BY THE VA OFFICE OF GENERAL COUNSEL ARE AUTHORIZED TO REPRESENT VETERANS IN THE PREPARATION, PRESENTATION, AND PROSECUTION OF CLAIMS FOR VA BENEFITS BEFORE THE VA, THE BOARD OF VETERANS’ APPEALS (“BVA”), OR THE UNITED STATES COURT OF APPEALS FOR VETERANS CLAIMS (“CAVC”).

    THE COMPANY DOES NOT REPRESENT USERS IN ANY ADMINISTRATIVE, QUASI-JUDICIAL, OR JUDICIAL PROCEEDINGS BEFORE THE VA, BVA, CAVC, OR ANY OTHER GOVERNMENTAL BODY OR TRIBUNAL. THE COMPANY DOES NOT SUBMIT CLAIMS, APPEALS, NOTICES OF DISAGREEMENT, SUPPLEMENTAL STATEMENTS, EVIDENCE, OR ANY OTHER DOCUMENTS OR FILINGS TO THE VA OR ANY OTHER GOVERNMENTAL AGENCY ON BEHALF OF USERS. USERS ARE SOLELY RESPONSIBLE FOR REVIEWING, FINALIZING, SUBMITTING, AND PROSECUTING THEIR OWN VA CLAIMS.

    For information on VA accreditation and how to find a VA-accredited attorney, agent, or VSO, please visit the VA Office of General Counsel’s website at https://www.va.gov/ogc/accreditation.asp.

    D. No Medical, Tax, Financial, or Other Professional Advice

    THE COMPANY DOES NOT PROVIDE MEDICAL ADVICE, MEDICAL DIAGNOSIS, MEDICAL TREATMENT, MEDICAL CARE, HEALTHCARE SERVICES, TAX ADVICE, TAX PLANNING, TAX PREPARATION, FINANCIAL ADVICE, INVESTMENT ADVICE, ACCOUNTING SERVICES, INSURANCE ADVICE, OR ANY OTHER PROFESSIONAL ADVICE OR SERVICES REGULATED BY STATE OR FEDERAL LICENSING REQUIREMENTS. THE MATERIALS ARE NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE FROM LICENSED PHYSICIANS, PSYCHIATRISTS, PSYCHOLOGISTS, THERAPISTS, TAX ADVISORS, CERTIFIED PUBLIC ACCOUNTANTS, FINANCIAL PLANNERS, OR OTHER QUALIFIED PROFESSIONALS. YOU SHOULD CONSULT WITH APPROPRIATE LICENSED PROFESSIONALS REGARDING YOUR SPECIFIC MEDICAL, TAX, FINANCIAL, OR OTHER PROFESSIONAL NEEDS.

    II. NO GUARANTEED OUTCOMES

    THE COMPANY DOES NOT GUARANTEE, WARRANT, REPRESENT, OR PROMISE THAT USE OF THE PLATFORM OR SERVICES WILL RESULT IN:

    1. APPROVAL OF ANY VA DISABILITY CLAIM, APPLICATION, OR PETITION;
    2. AWARD, GRANT, OR INCREASE OF ANY VA DISABILITY BENEFITS, COMPENSATION, PENSION, OR OTHER PAYMENTS;
    3. ASSIGNMENT OF ANY PARTICULAR DISABILITY RATING, PERCENTAGE, OR CLASSIFICATION BY THE VA;
    4. ANY SPECIFIC OUTCOME, RESULT, DETERMINATION, OR DECISION IN ANY VA CLAIM, APPEAL, HEARING, OR PROCEEDING;
    5. SUCCESS IN ANY APPEAL, RECONSIDERATION, SUPPLEMENTAL CLAIM, OR OTHER ADMINISTRATIVE OR JUDICIAL PROCEEDING BEFORE THE VA, BVA, CAVC, OR ANY OTHER TRIBUNAL;
    6. REDUCTION IN THE TIME REQUIRED FOR THE VA TO PROCESS, ADJUDICATE, OR DECIDE YOUR CLAIM;
    7. AVOIDANCE OF ERRORS, DENIALS, REDUCTIONS, OR ADVERSE DECISIONS BY THE VA; OR
    8. ANY OTHER BENEFIT, ADVANTAGE, OR FAVORABLE RESULT.

    THE VA MAKES ALL FINAL DETERMINATIONS REGARDING ELIGIBILITY FOR, ENTITLEMENT TO, AND AMOUNT OF DISABILITY COMPENSATION AND OTHER VA BENEFITS. SUCH DETERMINATIONS ARE BASED ON THE FACTS, EVIDENCE, MEDICAL RECORDS, SERVICE RECORDS, AND APPLICABLE FEDERAL LAWS, REGULATIONS, AND POLICIES IN EACH INDIVIDUAL CASE. THE COMPANY HAS NO CONTROL OVER, INFLUENCE ON, OR INVOLVEMENT IN THE VA’S DECISION-MAKING PROCESS, ADJUDICATION PROCEDURES, OR OUTCOMES.

    III. LIMITATIONS AND DISCLAIMERS REGARDING AI-GENERATED OUTPUTS

    A. Artificial Intelligence Technology

    The Platform utilizes artificial intelligence, machine learning, natural language processing, and large language models (“AI Technology”) to generate responses, recommendations, suggestions, analyses, draft documents, and other outputs (“AI-Generated Outputs”) based on user inputs, prompts, queries, and data. AI-Generated Outputs are produced by automated algorithmic processes and statistical models trained on large datasets.

    B. No Guarantee of Accuracy, Completeness, or Reliability

    AI-GENERATED OUTPUTS MAY CONTAIN ERRORS, INACCURACIES, OMISSIONS, OUTDATED INFORMATION, INCONSISTENCIES, AMBIGUITIES, OR OTHER DEFECTS. AI-GENERATED OUTPUTS ARE NOT GUARANTEED TO BE ACCURATE, COMPLETE, CURRENT, RELIABLE, SUITABLE, APPROPRIATE, OR FIT FOR ANY PARTICULAR PURPOSE. AI-GENERATED OUTPUTS SHOULD NOT BE RELIED UPON AS A SUBSTITUTE FOR INDEPENDENT RESEARCH, VERIFICATION, PROFESSIONAL JUDGMENT, OR ADVICE FROM QUALIFIED PROFESSIONALS.

    THE COMPANY EXPRESSLY DISCLAIMS ALL RESPONSIBILITY, LIABILITY, AND WARRANTIES (EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE) REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, QUALITY, SUITABILITY, OR FITNESS FOR PURPOSE OF AI-GENERATED OUTPUTS.

    C. User Responsibility for Review and Verification

    USERS ARE SOLELY RESPONSIBLE FOR:

    1. REVIEWING, VERIFYING, EVALUATING, EDITING, CORRECTING, SUPPLEMENTING, AND INDEPENDENTLY ASSESSING ALL AI-GENERATED OUTPUTS BEFORE RELYING UPON, SUBMITTING, FILING, PUBLISHING, DISTRIBUTING, OR OTHERWISE USING SUCH OUTPUTS;
    2. ENSURING THAT AI-GENERATED OUTPUTS COMPLY WITH ALL APPLICABLE LAWS, REGULATIONS, VA REQUIREMENTS, PROFESSIONAL ETHICS RULES, AND INDUSTRY STANDARDS;
    3. CONSULTING WITH VA-ACCREDITED ATTORNEYS, AGENTS, VSOS, MEDICAL PROFESSIONALS, TAX ADVISORS, OR OTHER QUALIFIED PROFESSIONALS TO OBTAIN PERSONALIZED ADVICE, REVIEW, AND GUIDANCE REGARDING AI-GENERATED OUTPUTS AND YOUR SPECIFIC CIRCUMSTANCES;
    4. MAKING ALL FINAL DECISIONS REGARDING THE USE, SUBMISSION, OR RELIANCE UPON AI-GENERATED OUTPUTS;
    5. BEARING ALL RISKS, CONSEQUENCES, LIABILITIES, AND LOSSES ARISING FROM USE OF OR RELIANCE UPON AI-GENERATED OUTPUTS.

    D. Prohibition on Unauthorized Practice of Law

    AI-GENERATED OUTPUTS DO NOT CONSTITUTE LEGAL WORK PRODUCT, LEGAL OPINIONS, LEGAL ADVICE, OR SERVICES PROVIDED BY A LICENSED ATTORNEY. PRESENTING AI-GENERATED OUTPUTS AS THE WORK PRODUCT OF A LICENSED ATTORNEY WHEN SUCH OUTPUTS HAVE NOT BEEN REVIEWED, EDITED, APPROVED, OR ADOPTED BY A LICENSED ATTORNEY MAY CONSTITUTE UNAUTHORIZED PRACTICE OF LAW, MISREPRESENTATION, OR FRAUD, AND MAY SUBJECT YOU TO CIVIL OR CRIMINAL LIABILITY, PROFESSIONAL DISCIPLINE, SANCTIONS, OR OTHER PENALTIES.

    IV. COMPLIANCE WITH FEDERAL LAWS GOVERNING ASSISTANCE TO VETERANS

    A. Prohibition on Unauthorized Charging of Fees (38 U.S.C. § 5904 and § 5905)

    Under 38 U.S.C. § 5904, no fees may be charged, allowed, or paid for services rendered in connection with the preparation, presentation, or prosecution of any initial claim for VA benefits, except as authorized by the VA Secretary. Under 38 U.S.C. § 5905, any person who, without being authorized by law to do so, charges or receives any fee or compensation for the preparation, presentation, or prosecution of any VA claim commits a criminal offense punishable by a fine and/or imprisonment.

    THE COMPANY DOES NOT CHARGE FEES FOR THE PREPARATION, PRESENTATION, OR PROSECUTION OF VA CLAIMS. ALL FEES CHARGED BY THE COMPANY ARE FLAT-RATE FEES OR ONE-TIME FEES FOR USE OF THE PLATFORM, EDUCATIONAL RESOURCES, INFORMATIONAL CONTENT, AND TECHNOLOGICAL TOOLS. FEES ARE NOT CHARGED FOR REPRESENTATION SERVICES, ARE NOT CONTINGENT UPON THE OUTCOME OF ANY VA CLAIM, AND ARE NOT BASED ON ANY PERCENTAGE OF PAST-DUE BENEFITS AWARDED. THE COMPANY’S FEE STRUCTURE COMPLIES WITH 38 U.S.C. §§ 5904 AND 5905.

    B. Compliance with 38 C.F.R. § 14.636 (Attorney and Agent Fees)

    38 C.F.R. § 14.636 governs the payment of fees for representation by VA-accredited attorneys and agents. Under this regulation, fees for representation in connection with VA claims before the Agency of Original Jurisdiction may not exceed 20% of past-due benefits awarded, and fees must be set forth in a written fee agreement filed with the VA. Fees for representation before the BVA or CAVC are subject to different limitations and procedures.

    BECAUSE THE COMPANY IS NOT A VA-ACCREDITED ATTORNEY OR AGENT AND DOES NOT PROVIDE REPRESENTATION SERVICES, THE FEE LIMITATIONS AND FEE AGREEMENT REQUIREMENTS SET FORTH IN 38 C.F.R. § 14.636 DO NOT APPLY TO THE COMPANY’S FEES. THE COMPANY’S FEES ARE NOT SUBJECT TO THE 20% LIMITATION OR THE REQUIREMENT TO FILE FEE AGREEMENTS WITH THE VA. For additional information, please refer to the Company’s 38 C.F.R. § 14.636 Notice, available at https://vetclaims.ai/38-cfr-va-attorney-agent-fees/.

    C. Pre-Filing Consultation Services Distinguished from Representation

    The Company relies on the opinion issued by the VA Office of General Counsel on April 28, 2004, which clarified that attorneys and other service providers may charge Veterans for pre-filing consultations, educational services, and informational assistance without violating the fee prohibition contained in 38 U.S.C. § 5904, provided that such services do not involve the preparation, presentation, or prosecution of a specific claim. The Company’s Services are designed to fall within the permissible scope of pre-filing consultation, education, and self-help assistance.

    V. DATA PRIVACY AND HIPAA COMPLIANCE

    A. Protected Health Information (PHI)

    Certain information provided by Users to the Platform may constitute Protected Health Information (“PHI”) as defined under the Health Insurance Portability and Accountability Act of 1996, as amended by the Health Information Technology for Economic and Clinical Health Act (“HIPAA”), 42 U.S.C. § 1320d et seq., and 45 C.F.R. Parts 160 and 164. PHI includes individually identifiable health information that relates to the past, present, or future physical or mental health or condition of an individual, the provision of health care to an individual, or payment for health care.

    B. Business Associate Agreement Required for PHI

    IF YOU INTEND TO INPUT, UPLOAD, TRANSMIT, STORE, OR OTHERWISE PROVIDE PHI TO THE PLATFORM, YOU MUST FIRST EXECUTE A SEPARATE, WRITTEN BUSINESS ASSOCIATE AGREEMENT (“BAA”) WITH THE COMPANY THAT COMPLIES WITH THE REQUIREMENTS OF 45 C.F.R. §§ 164.314(a) AND 164.504(e). IF YOU INPUT PHI WITHOUT AN EXECUTED BAA, YOU DO SO IN MATERIAL BREACH OF THE TERMS OF SERVICE AND AT YOUR OWN RISK, AND THE COMPANY DISCLAIMS ALL LIABILITY FOR ANY UNAUTHORIZED USE, DISCLOSURE, BREACH, OR MISHANDLING OF SUCH PHI.

    C. Compliance with HIPAA Security Rule

    Where the Company processes PHI pursuant to an executed BAA, the Company implements and maintains administrative, physical, and technical safeguards to protect PHI in accordance with the HIPAA Security Rule (45 C.F.R. Part 164, Subpart C), including but not limited to:

    1. Encryption: Encryption of PHI at rest using AES-256 and in transit using TLS 1.3 or higher;
    2. Access Controls: Role-based access controls, multi-factor authentication, and least-privilege principles;
    3. Audit Logging: Comprehensive audit logs of all access to and use of PHI, retained for a minimum of six (6) years;
    4. Workforce Training: Annual HIPAA training for all employees, contractors, and agents with access to PHI;
    5. Incident Response: Formal breach notification procedures in accordance with 45 C.F.R. § 164.410;
    6. Business Associate Agreements with Subprocessors: Written agreements with all subcontractors who will have access to PHI, imposing substantially the same HIPAA obligations as those imposed on the Company.

    D. Texas Medical Privacy Act Compliance

    To the extent that the Company processes protected health information of Texas residents, the Company complies with the Texas Medical Privacy Act, Tex. Health & Safety Code Ann. § 181.001 et seq., which imposes additional requirements for the use, disclosure, and protection of protected health information that may be more stringent than HIPAA, including enhanced security safeguards, breach notification requirements, and longer retention periods (up to ten years for certain health records).

    E. Disclaimer of Liability for User Actions

    THE COMPANY DISCLAIMS ALL LIABILITY FOR ANY DAMAGES, LOSSES, FINES, PENALTIES, SANCTIONS, LEGAL FEES, REGULATORY ACTIONS, OR OTHER COSTS OR EXPENSES ARISING FROM OR RELATED TO:

    1. YOUR INPUT, UPLOAD, TRANSMISSION, OR DISCLOSURE OF PHI WITHOUT AN EXECUTED BAA;
    2. ANY BREACH OF PHI CAUSED OR CONTRIBUTED TO BY YOUR CONDUCT, NEGLIGENCE, FAILURE TO IMPLEMENT APPROPRIATE SAFEGUARDS, OR FAILURE TO OBTAIN NECESSARY CONSENTS OR AUTHORIZATIONS;
    3. ANY INACCURACY, INCOMPLETENESS, OR FALSITY OF PHI PROVIDED BY YOU;
    4. ANY VIOLATION BY YOU OF HIPAA, THE HITECH ACT, THE TEXAS MEDICAL PRIVACY ACT, OR ANY OTHER HEALTH PRIVACY LAW, REGULATION, OR PROFESSIONAL OBLIGATION.

    VI. LIMITATIONS OF LIABILITY

    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

    1. THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, QUALITY, AND SUITABILITY. THE PLATFORM AND SERVICES ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS,” WITHOUT WARRANTIES OF ANY KIND;
    2. THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF DATA, DENIAL OF VA CLAIMS, LOSS OF VA BENEFITS, REDUCTION IN VA DISABILITY RATINGS, ATTORNEY’S FEES, LITIGATION COSTS, FINES, PENALTIES, SANCTIONS, HIPAA VIOLATIONS, DATA BREACHES, IDENTITY THEFT, REPUTATIONAL HARM, EMOTIONAL DISTRESS, OR ANY OTHER COMMERCIAL, ECONOMIC, PERSONAL, OR PROFESSIONAL DAMAGES OR LOSSES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES;
    3. THE TOTAL AGGREGATE LIABILITY OF THE COMPANY ARISING FROM OR RELATED TO THESE TERMS, YOUR USE OF OR INABILITY TO USE THE PLATFORM OR SERVICES, OR ANY OTHER CLAIMS OR DISPUTES RELATED TO THE SUBJECT MATTER OF THESE TERMS, WHETHER ARISING IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, BREACH OF WARRANTY, MISREPRESENTATION, OR ANY OTHER LEGAL OR EQUITABLE THEORY, SHALL NOT EXCEED THE GREATER OF: (I) ONE HUNDRED DOLLARS ($100.00); OR (II) THE TOTAL AMOUNT OF FEES PAID BY YOU TO THE COMPANY DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY;
    4. THE LIMITATIONS, EXCLUSIONS, AND DISCLAIMERS SET FORTH IN THIS SECTION SHALL APPLY REGARDLESS OF WHETHER THE COMPANY HAS BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY LOSSES OR DAMAGES, AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY PROVIDED HEREIN.

    VII. INDEMNIFICATION

    YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS THE COMPANY, ITS OFFICERS, DIRECTORS, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, SERVICE PROVIDERS, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE “COMPANY INDEMNITEES”) FROM AND AGAINST ANY AND ALL THIRD-PARTY CLAIMS, DEMANDS, ACTIONS, LAWSUITS, PROCEEDINGS, INVESTIGATIONS, LIABILITIES, DAMAGES, LOSSES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES, EXPERT FEES, COURT COSTS, AND LITIGATION EXPENSES) ARISING FROM OR RELATED TO:

    1. YOUR USE OF OR INABILITY TO USE THE PLATFORM OR SERVICES;
    2. YOUR RELIANCE ON AI-GENERATED OUTPUTS OR OTHER MATERIALS;
    3. YOUR SUBMISSION OF VA CLAIMS, APPEALS, OR OTHER FILINGS TO THE VA OR OTHER GOVERNMENTAL AGENCIES;
    4. YOUR INPUT, UPLOAD, TRANSMISSION, OR DISCLOSURE OF PHI WITHOUT AN EXECUTED BAA;
    5. YOUR BREACH OF THESE TERMS, THE ACCEPTABLE USE POLICY, THE PRIVACY POLICY, OR ANY APPLICABLE BAA;
    6. YOUR VIOLATION OF ANY APPLICABLE LAW, REGULATION, PROFESSIONAL ETHICS RULE, LICENSING REQUIREMENT, OR THIRD-PARTY RIGHT;
    7. YOUR NEGLIGENCE, WILLFUL MISCONDUCT, FRAUD, OR INTENTIONAL WRONGDOING;
    8. ANY CLAIM THAT YOUR USE OF THE PLATFORM RESULTED IN INJURY, DAMAGE, OR LOSS TO ANY THIRD PARTY;
    9. ANY UNAUTHORIZED PRACTICE OF LAW, UNAUTHORIZED REPRESENTATION OF VETERANS, OR UNAUTHORIZED CHARGING OF FEES IN VIOLATION OF 38 U.S.C. §§ 5904 OR 5905.

    VIII. GOVERNING LAW AND DISPUTE RESOLUTION

    A. Governing Law

    This Disclaimer and any disputes arising from or related to this Disclaimer or your use of the Platform or Services shall be governed by and construed in accordance with the laws of the State of Texas, without giving effect to any principles of conflicts of law.

    B. Binding Arbitration

    Any disputes arising from or related to this Disclaimer shall be resolved exclusively through final and binding arbitration in accordance with the dispute resolution provisions set forth in the Terms of Service, including the requirement for informal dispute resolution, mediation, and binding arbitration administered by JAMS in Austin, Texas.

    IX. SEVERABILITY

    If any provision of this Disclaimer is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if such modification is not possible, such provision shall be severed, and the remaining provisions shall remain in full force and effect.

    X. CONTACT INFORMATION

    For questions, concerns, or inquiries regarding this Legal Disclaimer, please contact:

    PatriotClaims LLC
    Attn: Legal Department
    14205 Burnet Road, Suite 570, PMB 553893
    Austin, Texas 78728-6529
    Email: [email protected]
    Website: https://vetclaims.ai/contact

    For the fastest response, Users are encouraged to email [email protected].

    XI. SECURITY INCIDENT AND VULNERABILITY REPORTING

    The Company takes the security of the Platform and User data seriously. If you discover or become aware of any security vulnerability, security incident, unauthorized access, data breach, or other security concern affecting the Platform or the Company’s systems, please report it to the Company’s security team promptly.

    To report a security vulnerability or incident:

    Email: [email protected]

    The Company’s Governance, Risk, and Compliance (GRC) team monitors this inbox. All reports will be reviewed and investigated in good faith. The Company requests responsible disclosure — please do not publicly disclose any discovered vulnerability prior to the Company having a reasonable opportunity to investigate and respond.

    This Legal Disclaimer was last updated on March 12, 2026.

    © 2026 PatriotClaims LLC. All rights reserved.