OVERVIEW OF REVISIONS
Effective July 27, 2026, the Company updated these Customer Terms and Conditions to improve clarity, reflect current business practices, and provide additional detail regarding certain rights and obligations. The summary below is provided for convenience only and does not modify or replace the Terms and Conditions themselves. In the event of any inconsistency, the Terms and Conditions control.
III.F THIRD-PARTY AI SERVICE PROVIDERS
We clarified how VetClaims.AI works with third-party AI providers and updated the language to better reflect how user information is handled when those providers are used to support the Platform. These changes do not alter the Company’s commitment to limiting third-party use of User Content and Personal Information.
IV. USER CONTENT AND INTELLECTUAL PROPERTY
We clarified the User Content license language to better reflect how user-submitted information is used in practice. The update does not change ownership of User Content, which remains with the user. It simply narrows and clarifies that VetClaims.AI may use submitted information only as reasonably necessary to provide, support, secure, improve, and administer the Platform and Services, comply with applicable law, enforce the Terms, and as otherwise described in the Privacy Policy.
We also simplified portions of the User Content provisions to better reflect how VetClaims.AI is intended to be used and the types of information users provide through the Platform.
V. FEES, PAYMENT AND SERVICE TERMS
We clarified how the Performance Guarantee applies in certain situations so users have a clearer understanding of when the Guarantee is available and whether additional written disclosures or acknowledgments may apply, as well as the steps users must follow before requesting relief under any applicable guarantees, including allowing VetClaims.AI an opportunity to provide any available appeal-related support. We clarified the circumstances that may affect eligibility for any applicable guarantee, including a user’s responsibility to timely provide requested information and complete reasonable requested actions.
Further, we amended the Early Cancellation Policy to better explain when refunds are available and when refund eligibility ends following completion of the Complete Care Call. We also clarified how payment disputes may affect continued access to the Platform and eligibility for certain benefits while a dispute is being resolved. Finally, we incorporated additional language making clear that any soft credit inquiry will occur only in connection with a user’s request for financing or payment-plan eligibility and any required authorization.
VI. PROTECTED HEALTH INFORMATION AND HIPAA COMPLIANCE
We clarified when a Business Associate Agreement (BAA) is required so the Terms more clearly distinguish between individual consumers using the Platform and organizations that are subject to HIPAA. We also clarified how medical, disability, and claim-related information should be submitted through the Platform and updated the BAA provisions to better reflect when a separate agreement is required under HIPAA.
VII. DISCLAIMERS AND LIMITATIONS OF LIABILITY
We clarified the Automated Decision-Making Technology language so that any applicable privacy notices, access rights, or opt-out rights are addressed through the Privacy Policy, where state-specific privacy disclosures are more appropriately maintained. This update avoids hard-coding privacy compliance details into the Terms of Service while preserving any rights users may have under applicable privacy law.
XI. GENERAL PROVISIONS
We made a minor clarification to the amendments language while preserving the existing notice-and-continued-use structure. The update does not create a new acceptance process or change the company’s ability to provide notice of updated Terms through the Platform, email, or other prominent notice.
Consumer Terms of Service
Last Updated: March 12, 2026
These Consumer Terms of Service (these “Terms,” this “Agreement,” or this “TOS”) constitute a legally binding contract 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”). These Terms govern your access to and use of the VetClaims.ai platform, including but not limited to the website located at https://vetclaims.ai, any mobile applications (iOS and Android), application programming interfaces (APIs), and all related services, features, content, and functionality (collectively, the “Platform” or “Services”).
BY CLICKING “I ACCEPT,” “I AGREE,” OR ANY SIMILAR BUTTON OR CHECKBOX, BY CREATING AN ACCOUNT, OR BY ACCESSING, BROWSING, OR USING THE PLATFORM OR SERVICES IN ANY MANNER, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE, INCLUDING BUT NOT LIMITED TO THE PRIVACY POLICY, ACCEPTABLE USE POLICY, COOKIE POLICY, AND ANY OTHER POLICIES, GUIDELINES, OR RULES PUBLISHED BY THE COMPANY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM OR SERVICES.
I. RECITALS AND DEFINITIONS
A. Purpose and Scope
The Company has developed and operates the Platform for the purpose of providing educational resources, informational content, and artificial intelligence-driven tools 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 is designed to empower Veterans by enhancing their knowledge, understanding, and ability to independently navigate the VA disability claims process.
B. Non-Representation Disclaimer
THE COMPANY IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE, LEGAL REPRESENTATION, OR LEGAL SERVICES OF ANY KIND. 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. THE SERVICES PROVIDED BY THE COMPANY CONSIST SOLELY OF EDUCATIONAL CONTENT, INFORMATIONAL RESOURCES, AND TECHNOLOGICAL TOOLS INTENDED TO ASSIST USERS IN UNDERSTANDING VA DISABILITY CLAIMS PROCESSES AND PREPARING DOCUMENTATION FOR SUBMISSION BY THE USER DIRECTLY TO THE VA. THE COMPANY DOES NOT REPRESENT USERS IN ANY ADMINISTRATIVE, QUASI-JUDICIAL, OR JUDICIAL PROCEEDINGS BEFORE THE VA, THE BOARD OF VETERANS’ APPEALS (“BVA”), THE UNITED STATES COURT OF APPEALS FOR VETERANS CLAIMS (“CAVC”), OR ANY OTHER GOVERNMENTAL BODY OR TRIBUNAL. THE COMPANY DOES NOT SUBMIT CLAIMS, APPEALS, NOTICES OF DISAGREEMENT, SUPPLEMENTAL STATEMENTS, OR ANY OTHER DOCUMENTS OR FILINGS TO THE VA OR ANY OTHER AGENCY ON BEHALF OF USERS.
C. Definitions
For purposes of these Terms, the following capitalized terms shall have the meanings ascribed to them below:
“Acceptable Use Policy” or “AUP” means the Company’s Acceptable Use Policy, as may be amended from time to time, available at https://vetclaims.ai/acceptable-use-policy and incorporated herein by reference.
“Applicable Law” means all federal, state, local, and international statutes, laws, regulations, ordinances, rules, orders, decrees, judgments, directives, guidelines, policies, requirements, and other governmental restrictions, mandates, or obligations applicable to the User’s use of the Platform or Services, or to the Company’s provision of the Platform or Services.
“Business Associate Agreement” or “BAA” means a written contract between a Covered Entity and a Business Associate, or between a Business Associate and a subcontractor, that satisfies the applicable requirements of 45 C.F.R. §§ 164.314(a) and 164.504(e), governing the use and disclosure of Protected Health Information.
“Content” means any and all text, data, information, images, photographs, graphics, videos, audio, software, code, algorithms, models, designs, documents, templates, guides, articles, user interfaces, visual interfaces, trademarks, logos, service marks, trade names, and other materials or content made available through or displayed on the Platform by the Company or its licensors.
“Covered Entity” has the meaning ascribed to it in 45 C.F.R. § 160.103, and includes health plans, health care clearinghouses, and health care providers who transmit any health information in electronic form in connection with a transaction covered by HIPAA.
“Feedback” means any suggestions, comments, ideas, improvements, recommendations, corrections, feedback, or other input provided by a User regarding the Platform or Services.
“HIPAA” means the Health Insurance Portability and Accountability Act of 1996, as amended by the Health Information Technology for Economic and Clinical Health Act, 42 U.S.C. § 1320d et seq., and its implementing regulations at 45 C.F.R. Parts 160 and 164.
“Intellectual Property Rights” means all intellectual property rights, proprietary rights, and related rights of any kind throughout the world, whether registered or unregistered, including but not limited to: (a) patents; (b) trademarks, service marks, trade names, trade dress, logos; (c) copyrights and copyrightable works; (d) trade secrets, confidential information, know-how; (e) moral rights, rights of publicity; and (f) all applications, registrations, renewals, extensions, and restorations of the foregoing.
“Personal Information” or “Personal Data” has the meaning ascribed to it in the Privacy Policy and includes any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household.
“Privacy Policy” means the Company’s Privacy Policy, as may be amended from time to time, available at https://vetclaims.ai/privacy-policy and incorporated herein by reference.
“Protected Health Information” or “PHI” has the meaning ascribed to it in 45 C.F.R. § 160.103, and means individually identifiable health information that is transmitted or maintained in any form or medium.
“Service Period” means the period during which a User has an active, paid account on the Platform and/or for the Services, as specified in the applicable order, invoice, or confirmation.
“Third-Party Services” means any third-party websites, applications, services, platforms, or resources that may be linked to, integrated with, or accessible through the Platform, but that are not owned, controlled, or operated by the Company.
“User Content” means any and all content, data, information, text, documents, files, images, photographs, videos, audio, voice recordings, biometric information, personal information, protected health information, and other materials or input submitted, uploaded, transmitted, posted, or otherwise provided by a User to or through the Platform.
“User Input” means any text, documents, files, images, audio, video, prompts, queries, questions, instructions, data, information, or other content submitted, uploaded, or provided by a User to the Platform for the purpose of receiving AI-generated responses, analyses, recommendations, or other output.
“User Output” means any content, text, documents, analyses, recommendations, suggestions, responses, or other materials generated by the Platform’s artificial intelligence tools, algorithms, or models in response to or based upon User Input.
“VA” means the United States Department of Veterans Affairs, including all of its regional offices, medical centers, and administrative bodies.
II. ELIGIBILITY AND ACCOUNT REGISTRATION
A. Minimum Age Requirement
You represent, warrant, and covenant that you are at least eighteen (18) years of age or the age of majority in your jurisdiction of residence, whichever is greater, and that you possess the legal capacity and authority to enter into a binding contract under Applicable Law. The Platform and Services are not intended for, designed for, or directed to individuals under the age of eighteen (18) years, and the Company does not knowingly collect Personal Information from minors.
B. Account Registration and Accuracy of Information
In order to access certain features and functionalities of the Platform, you must create an account by providing accurate, current, and complete registration information. You represent, warrant, and covenant that all information you provide to the Company during the registration process and at all times thereafter is and will remain true, accurate, current, and complete. The Company reserves the right to suspend or terminate your account if any information provided by you is found to be false, inaccurate, outdated, incomplete, or misleading.
C. Account Security and Confidentiality
You are solely responsible for maintaining the confidentiality and security of your account credentials. You agree not to share, disclose, transfer, sell, or otherwise provide access to your account credentials to any third party. You are solely responsible for all activities, actions, transactions, and uses that occur under your account, whether or not authorized by you. You agree to immediately notify the Company of any unauthorized access to or use of your account by emailing [email protected].
D. Accounts on Behalf of Organizations
If you create an account or use the Platform on behalf of another individual, entity, organization, or employer, you represent, warrant, and covenant that: (a) you are duly authorized and empowered by such party to enter into these Terms and bind such party; (b) you have all necessary consents, authorizations, and permissions; and (c) your use complies with all Applicable Law and all internal policies of such party. You and the party on whose behalf you are acting shall be jointly and severally liable for all obligations arising under these Terms.
E. Authentication via Third-Party Providers
The Platform may offer the option to register for or authenticate your account using Third-Party Services such as Google, Apple, or social media platforms. If you elect to use such Third-Party Services, you authorize the Company to access, retrieve, use, and store your information from such Third-Party Services in accordance with the authorization granted by you and the Third-Party Service’s privacy policy, terms of service, and data sharing settings.
III. LICENSE GRANT AND RESTRICTIONS ON USE
A. Limited License to Use the Platform
Subject to your compliance with these Terms, the Company hereby grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and Services solely for your personal, non-commercial, lawful purposes in connection with understanding, preparing, and managing your own VA disability claims. This license does not include any right to: (a) resell or commercially exploit the Platform; (b) use the Platform to provide services to third parties; (c) create derivative works; (d) reverse engineer the Platform; (e) access the Platform for competitive analysis; or (f) use the Platform in any manner that violates Applicable Law.
You acknowledge that the Platform is AI-powered and that use of AI-driven features is integral to and inseparable from the Services. If you do not wish to receive AI-generated outputs, you should not use the Platform.
B. Reservation of Rights
The Company and its licensors own and retain all right, title, and interest in and to the Platform, Services, Content, and all Intellectual Property Rights embodied therein. Except for the limited license expressly granted above, no other rights or licenses are granted to you. All rights not expressly granted herein are reserved.
C. Prohibited Uses and Activities
You agree that you shall not, and shall not authorize, permit, or encourage any third party to:
1. Unauthorized Access and Security Violations:
(a)Attempt to gain unauthorized access to the Platform, Services, servers, networks, databases, or systems;(b)Probe, scan, test, or attempt to breach the security of the Platform or any related systems;(c)Interfere with, disrupt, degrade, or impair the operation of the Platform or Services;(d)Circumvent, disable, or bypass any security measures or access controls;(e)Transmit or distribute any viruses, malware, ransomware, or other malicious code;(f)Launch or facilitate any denial-of-service attacks or other attacks against the Platform.2. Intellectual Property Infringement and Misappropriation:
(a)Infringe, misappropriate, or violate the Intellectual Property Rights of the Company, its licensors, or any third party;(b)Copy, reproduce, distribute, or publicly display any Content, except as expressly permitted by these Terms;(c)Remove, alter, or obscure any copyright notices, trademark notices, or other proprietary legends;(d)Use any trademarks or other source identifiers of the Company without prior written consent;(e)Engage in any conduct that falsely suggests endorsement or affiliation with the Company.3. Data Mining, Scraping, and Model Extraction:
(a)Use any automated tools, bots, scrapers, or similar methods to access, retrieve, or collect data from the Platform;(b)Systematically retrieve data for purposes of creating, training, or improving machine learning models or competing products;(c)Extract, reverse engineer, or attempt to replicate the Company’s algorithms, models, or proprietary methodologies;(d)Use User Output to train or improve any machine learning models, except for personal, non-commercial use;(e)Resell, redistribute, or commercially exploit User Output or Content from the Platform.4. Harmful, Unlawful, or Abusive Conduct:
(a)Use the Platform to engage in, facilitate, or promote any unlawful, criminal, fraudulent, deceptive, or harmful activity, including fraud, identity theft, privacy violations, cybercrime, defamation, harassment, impersonation, or spam;(b)Use the Platform in any manner that violates laws governing veterans’ benefits, including 38 U.S.C. § 5904, 38 U.S.C. § 5905, and 38 C.F.R. § 14.636;(c)Submit any User Content containing PHI without first executing a Business Associate Agreement;(d)Submit any User Content that is false, inaccurate, misleading, fraudulent, or deceptive;(e)Use the Platform to violate or infringe the rights of any third party.5. Misuse of Platform and Abuse of Services:
(a)Use the Platform in any manner that exceeds reasonable usage limits or degrades performance for other users;(b)Create multiple accounts for the purpose of evading restrictions or engaging in abusive conduct;(c)Share, sell, rent, or transfer your account or access credentials;(d)Use the Platform for competitive analysis without prior written consent;(e)Encourage or enable any third party to engage in any of the prohibited activities described herein.D. Compliance with Acceptable Use Policy
You agree to comply at all times with the Company’s Acceptable Use Policy, available at https://vetclaims.ai/acceptable-use-policy, which is incorporated herein by reference. Violations of the Acceptable Use Policy constitute a material breach of these Terms and may result in immediate suspension or termination of your account.
E. Artificial Intelligence: Human Oversight Principle
(a)Advisory Nature of AI Outputs. All AI-generated outputs produced by the Platform are advisory in nature only. They are not final determinations, legal advice, or binding instructions.(b)Human Decision-Making. All final decisions regarding User Content, claim submissions, and any actions taken in connection with a User’s VA disability claim are made exclusively by the User.(c)User Responsibility. You are solely responsible for reviewing, evaluating, verifying, correcting, and approving all AI-generated outputs before relying upon, submitting, or acting on them.F. Third-Party AI Service Providers
The Platform utilizes the following third-party artificial intelligence service providers: Anthropic, PBC (Claude); OpenAI, LLC (GPT-series models); and Google LLC (Google Cloud AI / Vertex AI). Each provider operates under a data processing agreement with the Company and is contractually prohibited from retaining, storing, or using User Content or Personal Information to train, fine-tune, or otherwise improve its AI models. An updated list of subprocessors is maintained at https://vetclaims.ai/subprocessors.
All data transmitted to AI subprocessors is processed transiently solely for the purpose of generating the requested output and is not retained by such providers beyond the period strictly necessary to produce that output.
IV. USER CONTENT AND INTELLECTUAL PROPERTY
A. Ownership of User Content
As between you and the Company, you own and retain all right, title, and interest in and to all User Content that you submit to or through the Platform, subject to the licenses granted under Section IV.B. You represent and warrant that: (a) you own or have obtained all necessary rights to submit all User Content; (b) your User Content does not infringe any third-party rights; (c) your User Content does not contain any unlawful or objectionable content; (d) your User Content complies with all Applicable Law; and (e) you have obtained all necessary consents from individuals whose Personal Information or PHI is included.
B. License Grant from User to Company
By submitting User Content to or through the Platform, you hereby grant to the Company a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, fully paid-up, sublicensable, and transferable license to access, use, store, copy, reproduce, process, adapt, modify, translate, create derivative works from, distribute, transmit, display, perform, and otherwise exploit your User Content solely for the following purposes:
1.Provision and Operation: To provide, operate, maintain, support, improve, optimize, and administer the Platform and Services;2.Research, Development, and Improvement: To conduct research and development for improving the Platform’s algorithms, models, and features, using User Content in anonymized or de-identified form where applicable;3.Security, Fraud Prevention, and Compliance: To monitor, detect, investigate, and prevent fraud, abuse, and security incidents; to enforce Company rights; and to comply with Applicable Law;4.Analytics and Business Intelligence: To generate reports, statistics, analytics, and insights regarding Platform usage and performance.C. Limitations on License for PHI
NOTWITHSTANDING ANYTHING TO THE CONTRARY ABOVE, IF ANY USER CONTENT CONSTITUTES PHI, THE COMPANY’S USE AND DISCLOSURE OF SUCH PHI SHALL BE GOVERNED SOLELY BY THE APPLICABLE BUSINESS ASSOCIATE AGREEMENT. THE COMPANY STRONGLY ADVISES YOU NOT TO SUBMIT ANY PHI TO THE PLATFORM UNLESS YOU HAVE EXECUTED A BUSINESS ASSOCIATE AGREEMENT WITH THE COMPANY.
D. No Ownership of User Content by Company
Except for the licenses expressly granted, the Company does not claim any ownership rights in your User Content. The Company reserves the right, but has no obligation, to review, monitor, filter, modify, remove, or disable access to any User Content that violates these Terms.
E. Feedback
If you provide any Feedback to the Company, you hereby grant to the Company a worldwide, perpetual, irrevocable, royalty-free license to use, exploit, and incorporate such Feedback into the Platform or any other Company products without any obligation to compensate you.
F. Ownership of Company Intellectual Property
The Platform, Services, and all Content (excluding User Content) are owned by the Company and its licensors and are protected by United States and international intellectual property laws. All right, title, and interest in the Platform, including all software, code, algorithms, models, designs, graphics, logos, and trademarks, are and remain the exclusive property of the Company and its licensors.
V. FEES, PAYMENT, AND SERVICE TERMS
A. Service Fees and Pricing
Access to certain features or services requires payment of fees. The Company offers the following fee structures:
Paid-in-Full (“PIF”): A one-time, flat-rate fee of $1,250.00, due at enrollment, for access to the Platform, educational resources, informational content, and AI-driven tools.
Complete Care Payment Plan (“Plan”): A payment plan structured as $500.00 due at enrollment, followed by two (2) additional installments of $500.00 each, billed automatically every thirty (30) days, for a total of $1,500.00.
The Company is not a subscription service. No recurring or auto-renewing subscription will be charged beyond the payment structure described above. Current pricing is available at https://vetclaims.ai/pricing.
B. Payment Authorization and Processing
By enrolling, you authorize the Company and its third-party payment processors (including Stripe, Inc., Apple Inc., and Google LLC) to charge your designated payment method for all applicable fees, charges, and taxes. You represent and warrant that you have the legal right to use the payment method provided and that all payment information is true, accurate, current, and complete.
C. Complete Care Payment Plan – Recurring Billing Authorization
If you enroll in the Complete Care Payment Plan, you authorize the Company to automatically charge your designated payment method at enrollment on each thirty (30)-day billing cycle in the amount of $500.00 until the total Plan amount of $1,500.00 has been collected. If any installment remains unpaid seven (7) days after its due date, the Company may suspend your access and/or accelerate the remaining balance as immediately due. Initiating a chargeback or payment dispute voids your access and eligibility for any Guarantees.
D. Taxes
All fees and charges are exclusive of taxes, duties, and similar assessments. You are solely responsible for payment of all Taxes associated with your purchase, excluding taxes based on the Company’s net income.
E. Fee Structure Compliance with 38 U.S.C. § 5904 and 38 C.F.R. § 14.636
ALL FEES CHARGED BY THE COMPANY ARE FLAT-RATE, ONE-TIME OR INSTALLMENT-BASED ACCESS FEES FOR USE OF THE PLATFORM. FEES ARE NOT CHARGED FOR REPRESENTATION, PREPARATION, PRESENTATION, OR PROSECUTION OF VA DISABILITY CLAIMS, AND FEES ARE NOT CONTINGENT UPON THE OUTCOME OF ANY VA CLAIM.
F. Refund and Guarantee Policy
The Company offers the following refund and performance guarantee structures, subject to the eligibility criteria below:
1. Performance Guarantee (PIF Only)
If you are a PIF Client and do not receive an increase of at least ten percent (10%) in your VA disability rating after using the Platform, you may be eligible for a refund of $1,250.00 plus an additional $500.00. Plan Clients are NOT eligible for the Performance Guarantee.
2. File-Ready in 30 Days Guarantee (PIF and Plan)
If you submit all required information within two (2) business days of enrollment and the Company has not made you “file-ready” within thirty (30) business days, you may elect either: (a) a refund of all amounts paid to date, with services concluded; or (b) a refund of all amounts paid, with the Company continuing to work at no additional charge.
3. Standard Money-Back Guarantee
PIF Clients: Eligible for a refund of the $1,250.00 service fee. Plan Clients: Eligible for a refund only after the Plan is fully paid ($1,500.00 collected). No partial refunds are available on in-progress payment plans except as specified in the File-Ready Guarantee or Early Cancellation Policy.
4. Guarantee Eligibility Criteria
(a)Accurate Information: You must have provided truthful and complete information throughout the process.(b)Timely Notifications: You must notify the Company within forty-eight (48) hours of scheduling a C&P examination and within twenty-four (24) hours following the examination.(c)Complete Care Meeting: You must attend your scheduled Complete Care Meeting. If unable, you must provide twenty-four (24) hours’ advance notice and reschedule within seventy-two (72) hours.(d)C&P Preparation: You must use the C&P preparation resources provided by the Company.(e)Appeal Compliance: If your initial claim is denied, you must allow the Company one (1) opportunity to assist with an appeal.(f)Exclusions: You will not be eligible for any guarantee if your claim was affected by: false information; failure to attend or prepare for your C&P examination; adverse medical findings; failure to complete required steps; non-payment; or chargebacks.5. Refund Policy – Early Cancellation
PIF Clients: You may request a refund of the $1,250.00 service fee if your Complete Care Meeting has not yet been completed and your request is made within fourteen (14) calendar days of purchase. Plan Clients: You may request a refund of amounts paid to date ($500.00) under the same conditions. Once the Complete Care Call is completed, all fees are non-refundable except as expressly provided above.
G. Chargeback and Dispute Policy
Before initiating any chargeback or payment dispute, you must first attempt to resolve the matter directly with the Company by contacting [email protected]. The Company reserves the right to present this Agreement, communications, and transaction logs as evidence in connection with any chargeback or dispute.
H. Delinquent Accounts and Suspension
If any payment is not received by its due date, the Company may: (a) suspend or terminate your access; (b) charge interest on overdue amounts at one and one-half percent (1.5%) per month; (c) charge you for collection costs including reasonable attorneys’ fees; or (d) pursue any other remedies available at law or in equity.
I. Credit Pre-Qualification and FCRA Authorization
If you schedule a sales consultation, you authorize the Company and/or its financing partners to obtain a soft inquiry consumer credit report for the limited purpose of evaluating your eligibility for payment plans. A soft credit inquiry will not affect your credit score. This authorization constitutes your written consent under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.
VI. PROTECTED HEALTH INFORMATION AND HIPAA COMPLIANCE
A. Prohibition on Submitting PHI Without a BAA
YOU ACKNOWLEDGE AND AGREE THAT THE PLATFORM MAY BE USED TO PROCESS, STORE, OR TRANSMIT PROTECTED HEALTH INFORMATION (PHI). YOU WILL NOT SUBMIT ANY PHI TO OR THROUGH THE PLATFORM UNLESS YOU HAVE FIRST EXECUTED A SEPARATE, WRITTEN BUSINESS ASSOCIATE AGREEMENT (BAA) WITH THE COMPANY.
B. Consequences of Submitting PHI Without a BAA
If you submit PHI without an executed BAA, you do so at your own risk and in material breach of these Terms. You acknowledge that: (a) the Company is not acting as a Business Associate; (b) the Company has no obligations under HIPAA with respect to such PHI; and (c) the Company disclaims all liability for any unauthorized use, disclosure, or breach of such PHI.
C. Indemnification for HIPAA Violations
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS THE COMPANY FROM AND AGAINST ANY AND ALL CLAIMS, LIABILITIES, DAMAGES, LOSSES, COSTS, AND EXPENSES ARISING FROM YOUR SUBMISSION OF PHI WITHOUT AN EXECUTED BAA, ANY BREACH BY YOU OF HIPAA OR OTHER HEALTH PRIVACY LAW, OR ANY FAILURE TO OBTAIN NECESSARY CONSENTS.
D. Execution of Business Associate Agreement
If you are a Covered Entity or Business Associate and wish to process PHI, you must contact the Company at [email protected] to request execution of a BAA. If a BAA is executed, the BAA will control with respect to PHI in the event of any conflict with these Terms.
E. Subprocessor and Vendor BAA Requirements
The Company requires that all vendors and subprocessors who handle PHI on behalf of the Company have executed a written BAA. A current list of subprocessors is maintained at https://vetclaims.ai/subprocessors.
VII. DISCLAIMERS AND LIMITATIONS OF LIABILITY
A. No Legal Advice or Representation
THE PLATFORM, SERVICES, CONTENT, USER OUTPUT, AND ALL MATERIALS PROVIDED THROUGH THE PLATFORM ARE PROVIDED FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE LEGAL ADVICE, LEGAL REPRESENTATION, MEDICAL ADVICE, TAX ADVICE, FINANCIAL ADVICE, OR PROFESSIONAL ADVICE OF ANY KIND. THE COMPANY IS NOT A LAW FIRM, IS NOT ACCREDITED BY THE VA, AND DOES NOT PROVIDE LEGAL REPRESENTATION. USER OUTPUT IS GENERATED BY ARTIFICIAL INTELLIGENCE AND SHOULD BE REVIEWED AND INDEPENDENTLY EVALUATED BY YOU OR A QUALIFIED PROFESSIONAL. YOU SHOULD CONSULT WITH A VA-ACCREDITED ATTORNEY, AGENT, OR VSO FOR PERSONALIZED LEGAL ADVICE.
B. No Guaranteed Outcomes
THE COMPANY DOES NOT GUARANTEE THAT USE OF THE PLATFORM WILL RESULT IN APPROVAL OF ANY VA DISABILITY CLAIM, AWARD OF ANY BENEFITS, ANY PARTICULAR DISABILITY RATING, ANY SPECIFIC OUTCOME, OR SUCCESS IN ANY APPEAL OR PROCEEDING. THE VA MAKES ALL FINAL DETERMINATIONS REGARDING ELIGIBILITY AND AMOUNT OF BENEFITS.
C. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM, SERVICES, CONTENT, AND USER OUTPUT ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. THE COMPANY EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AND QUALITY.
D. Assumption of Risk
YOU ACKNOWLEDGE THAT YOUR USE OF THE PLATFORM AND SERVICES IS AT YOUR OWN SOLE RISK. YOU ASSUME ALL RISKS ASSOCIATED WITH YOUR USE OF THE PLATFORM.
E. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF VA BENEFITS, DENIAL OF VA CLAIMS, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES.
THE TOTAL AGGREGATE LIABILITY OF THE COMPANY 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.
F. State-Specific Limitations
SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE COMPANY’S LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
G. Automated Decision-Making Technology (ADMT)
Pursuant to the California Privacy Rights Act (CPRA) and regulations adopted by the California Privacy Protection Agency (CPPA), California residents will have the right, effective January 1, 2027, to opt out of the Company’s use of Automated Decision-Making Technology (ADMT). The Company will implement all required opt-out mechanisms prior to the effective date. Questions may be directed to [email protected].
H. VA-Specific Disclaimers
(a)No Affiliation with the VA. The Company is not affiliated with, endorsed by, sponsored by, or approved by the VA, the DoD, or any other government agency.(b)Free Alternatives Available. Free claims assistance is available from VA-accredited VSOs, county Veterans service offices, state Veterans affairs agencies, and other nonprofit organizations. You are encouraged to explore all available resources.(c)No Impact on VA Processing Times. Use of the Platform does not affect, accelerate, or influence the VA’s processing timeline for your claim.(d)Historical Averages Are Not Guarantees. Any statistics or success rates referenced reflect historical averages and do not constitute guarantees of any specific outcome for your claim.(e)No Control Over VA Decisions. All final disability rating determinations are made exclusively by the VA.VIII. INDEMNIFICATION
A. Indemnification by User
You agree to indemnify, defend, and hold harmless the Company from and against any and all third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:
(1)Your access to or use of the Platform or Services;(2)Your User Content, including any claims that it infringes third-party rights;(3)Your breach of these Terms, the Acceptable Use Policy, the Privacy Policy, or any other applicable agreement;(4)Your violation of any Applicable Law, including HIPAA, data privacy laws, and veterans’ benefits laws;(5)Your submission of PHI without an executed BAA;(6)Your negligence, willful misconduct, fraud, or intentional wrongdoing;(7)Any misrepresentation or inaccuracy in information you provided;(8)Your interactions with other Users or third parties;(9)Any claim that your use of the Platform caused injury, damage, or loss to any third party.B. Defense and Control
The Company will provide you with prompt written notice of any claim and grant you sole control over the defense and settlement, provided that you may not settle without the Company’s prior written consent if it imposes obligations on the Company. The Company reserves the right to assume control of the defense at its own expense if it reasonably believes you are not adequately defending its interests.
IX. TERM, TERMINATION, AND SUSPENSION
A. Term
These Terms commence on the date you first access or use the Platform and continue in full force and effect until terminated.
B. Termination by User
You may terminate these Terms at any time by ceasing all use of the Platform, canceling your Service, and sending a written notice to [email protected]. Termination does not entitle you to any refund except as required by Applicable Law.
C. Termination or Suspension by Company
The Company may, in its sole discretion and without prior notice, immediately suspend or terminate your access for any reason, including but not limited to breach of these Terms, unlawful conduct, submission of PHI without a BAA, security risks, payment failure, extended inactivity, legal requirements, or discontinuation of the Platform.
D. Effects of Termination
Upon termination or suspension:
(1)Your right to access and use the Platform will immediately cease;(2)All licenses granted to you will immediately terminate;(3)You will remain liable for all fees and obligations incurred prior to termination;(4)The Company may delete or disable access to your account and User Content;(5)If a BAA has been executed, the Company will handle PHI in accordance with the BAA and HIPAA;(6)The following provisions survive termination: Sections IV, V.D, V.H, VI.C, VII, VIII, IX.D, X, and XI.X. GOVERNING LAW AND DISPUTE RESOLUTION
A. Governing Law
These Terms 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. Venue and Jurisdiction
Any litigation shall be brought exclusively in the state or federal courts located in Travis County, Texas, and you irrevocably consent to the personal jurisdiction and venue of such courts.
C. Waiver of Class Actions and Collective Relief
YOU AND THE COMPANY AGREE THAT ANY CLAIMS SHALL BE BROUGHT AND RESOLVED ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION. YOU AND THE COMPANY EXPRESSLY WAIVE ANY RIGHT TO PURSUE CLAIMS ON A CLASS OR REPRESENTATIVE BASIS, AND ANY RIGHT TO TRIAL BY JURY.
D. Informal Dispute Resolution
Prior to initiating any formal dispute resolution proceedings, you agree to first attempt to resolve any dispute through informal, good-faith negotiations by sending a detailed written notice to [email protected]. The Company will respond within thirty (30) days. If the dispute is not resolved within sixty (60) days, either party may proceed to mediation or arbitration.
E. Mediation
If informal dispute resolution is unsuccessful, the parties agree to submit the dispute to non-binding mediation administered by JAMS in Austin, Texas, or remotely via videoconference. Each party shall bear its own costs and equally share mediator fees.
F. Binding Arbitration
If mediation is unsuccessful, any remaining dispute shall be resolved exclusively through final and binding arbitration administered by JAMS. The arbitration shall be conducted by a single neutral arbitrator in Austin, Texas, or remotely. The arbitrator’s decision shall be final, binding, and non-appealable.
BY AGREEING TO ARBITRATION, YOU AND THE COMPANY ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION.
G. Exceptions to Arbitration
Either party may bring an individual action in small claims court if the claim qualifies. Either party may also seek equitable relief in a court of competent jurisdiction to prevent infringement of Intellectual Property Rights, breach of confidentiality, or unauthorized use of the Platform.
H. Severability of Dispute Resolution Provisions
If any provision of this Section is found invalid, the remaining provisions remain in full force. If the class action waiver is found invalid, the entire arbitration provision shall be deemed null and void, and disputes shall be resolved in Travis County, Texas courts.
XI. GENERAL PROVISIONS
A. Entire Agreement
These Terms, together with the Privacy Policy, Acceptable Use Policy, Cookie Policy, any applicable BAA, and any other policies incorporated by reference, constitute the entire agreement between you and the Company regarding the subject matter hereof.
B. Amendments and Modifications
The Company reserves the right to modify these Terms at any time. If material changes are made, the Company will provide notice by posting a revised version on the Platform, sending an email notification, or displaying a prominent notice. Your continued use following notice constitutes acceptance. If you do not agree, you must immediately cease use and may terminate your account.
C. Waiver
No failure or delay by the Company in exercising any right shall operate as a waiver thereof. Any waiver must be in writing and signed by an authorized representative of the Company.
D. Severability
If any provision of these Terms is held invalid or unenforceable, it shall be modified to the minimum extent necessary to make it valid, or if not possible, severed from these Terms while the remaining provisions remain in full force.
E. Assignment
You may not assign any of your rights or obligations under these Terms without the prior written consent of the Company. The Company may freely assign its rights and obligations, including in connection with any merger, acquisition, or sale of assets.
F. No Third-Party Beneficiaries
These Terms are for the sole benefit of you and the Company and are not intended to confer any rights upon any third party, except for Company Indemnitees who are express third-party beneficiaries of the indemnification and limitation of liability provisions.
G. Force Majeure
The Company shall not be liable for any failure or delay in performing its obligations caused by events beyond its reasonable control, including acts of God, natural disasters, pandemics, wars, terrorism, government actions, cyberattacks, or internet service disruptions.
H. Independent Contractors
The relationship between you and the Company is that of independent contractors. Nothing in these Terms shall be construed to create a partnership, joint venture, agency, or employment relationship.
I. Export Compliance
You represent and warrant that: (a) you are not located in any country subject to comprehensive U.S. economic sanctions; (b) you are not identified on any U.S. government list of prohibited parties; and (c) you will not use the Platform in violation of any export control or sanctions laws.
J. U.S. Government Rights
The Platform and Services are “commercial computer software” as defined in FAR Section 12.212. Government entity rights are limited to those specified in these Terms, consistent with FAR Section 12.212 and DFARS Sections 227.7202-1 and 227.7202-3.
K. Notices
All notices shall be in writing and sent to:
PatriotClaims LLC
Attn: Legal Department
14205 Burnet Road, Suite 570, PMB 553893
Austin, Texas 78728-6529
Email: [email protected]
L. Headings
The section headings are for convenience only and shall not affect the interpretation of these Terms.
M. Language
These Terms are written in the English language. In the event of any conflict between the English version and any translated version, the English version shall prevail.
N. Electronic Signatures and Communications
You consent to receive communications from the Company electronically. You agree that electronic communications satisfy any legal requirement that such communications be in writing. You further consent to the use of electronic signatures.
O. Survival
All provisions that by their nature should survive termination shall survive, including provisions relating to ownership, intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and general provisions.
This Consumer Terms of Service was last updated on March 12, 2026.
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