TERMS OF SERVICE

Veteran Claims LLC

Effective Date: March 20, 2026

Last Updated: April 21, 2026

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1. AGREEMENT TO TERMS

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Veteran Claims LLC ("Company," "we," "us," or "our"). By engaging our services, signing a service agreement, or using our website, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use our services.

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2. DESCRIPTION OF SERVICES

Veteran Claims LLC provides VA disability claims assistance services, including but not limited to:

- Review and evaluation of your military service records and medical documentation

- Preparation and submission of VA disability claims and supporting evidence

- Assistance with claims appeals, supplemental claims, and hearings

- Guidance on the VA claims process and benefit eligibility

- Nexus letter coordination and Independent Medical Opinion (IMO) support

We are not a law firm, and our employees are not attorneys unless specifically identified as such. We are a claims assistance organization. Nothing in these Terms or in our services constitutes legal advice.

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3. ACCREDITATION AND REGULATORY COMPLIANCE

Veteran Claims LLC operates in compliance with applicable federal regulations governing VA claims assistance organizations, including 38 C.F.R. Part 14 where applicable. Clients are advised that accredited VA-recognized Veterans Service Organizations (VSOs) provide free claims assistance. Use of our services is voluntary and not required to file a VA claim.

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4. HIPAA COMPLIANCE AND HANDLING OF PROTECTED HEALTH INFORMATION

a. Acknowledgment of PHI

In the course of providing claims assistance services, Veteran Claims LLC will receive, use, and transmit Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its implementing regulations (45 C.F.R. Parts 160 and 164). PHI includes any individually identifiable information relating to your past, present, or future physical or mental health, healthcare, or payment for healthcare.

b. HIPAA Compliance Commitment

We are committed to maintaining the privacy and security of your PHI in accordance with the HIPAA Privacy Rule, the HIPAA Security Rule, and the HIPAA Breach Notification Rule. Our full HIPAA obligations and your rights are described in our Privacy Policy and Notice of Privacy Practices (NPP), both of which are incorporated herein by reference.

c. Client Authorization

By signing our HIPAA Authorization Form, you authorize Veteran Claims LLC to obtain, use, and disclose your PHI — including medical records, treatment histories, mental health records, and disability-related documentation — solely for the purpose of preparing and submitting your VA disability claim and related appeals. You may revoke this authorization at any time in writing, subject to actions already taken in reliance on it.

d. Minimum Necessary Use

We limit our use, disclosure, and requests for PHI to the minimum necessary to accomplish the intended purpose, consistent with 45 C.F.R. § 164.502(b).

e. Business Associate Agreements

Any third-party service provider that handles your PHI on our behalf will be required to execute a Business Associate Agreement (BAA) and comply with all applicable HIPAA requirements.

f. Breach Notification

In the event of a breach of your unsecured PHI, we will notify you in accordance with the HIPAA Breach Notification Rule (within 60 days) and the Florida Information Protection Act (within 30 days), as further described in our Privacy Policy.

g. Your HIPAA Rights

You retain all rights afforded to you under HIPAA, including the right to access, amend, restrict, and receive an accounting of disclosures of your PHI. These rights are described in detail in our Notice of Privacy Practices.

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5. FEES AND PAYMENT

a. Fee Structure

Our fee structure will be disclosed to you in your individual service agreement prior to engagement. Fees are contingency-based or fixed, as specified in your agreement, and comply with applicable federal regulations on claims agent fees.

b. Regulatory Compliance on Fees

In accordance with 38 U.S.C. § 5904 and related regulations, we do not charge fees for initial claims that have never previously been filed unless permitted under applicable law. All fees are disclosed transparently prior to the commencement of services.

c. Refunds

Refund policies are specified in your individual service agreement.

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6. CLIENT RESPONSIBILITIES

You agree to:

- Provide accurate, complete, and truthful information and documentation

- Execute the required HIPAA Authorization Form prior to our obtaining your medical records

- Promptly respond to requests for additional information or documentation

- Notify us of any changes to your contact information, health status, or VA decisions

- Cooperate fully in the preparation and submission of your claim

- Not engage other claims representatives for the same claim without notifying us

Providing false or misleading information to the VA or to Veteran Claims LLC may constitute fraud and may result in termination of services and referral to appropriate authorities.

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7. NO GUARANTEE OF OUTCOME

We make no guarantee, warranty, or representation regarding the outcome of any VA claim or appeal. VA benefit determinations are made solely by the U.S. Department of Veterans Affairs, and results depend on the specific facts of each case, available evidence, and applicable law. Past results do not guarantee future outcomes.

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8. CONFIDENTIALITY

We treat all client information and PHI as confidential in accordance with our Privacy Policy, Notice of Privacy Practices, and applicable law, including HIPAA. You authorize us to communicate with the VA, medical providers, and other necessary third parties on your behalf solely for the purpose of processing your claim, consistent with your signed HIPAA Authorization Form.

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9. INTELLECTUAL PROPERTY

All content on our website, including text, graphics, logos, and materials, is the property of Veteran Claims LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

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10. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Veteran Claims LLC, its officers, employees, and agents shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of our services or any VA determination. Our total aggregate liability to you shall not exceed the total fees paid by you to Veteran Claims LLC in the six (6) months preceding the claim giving rise to liability.

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11. INDEMNIFICATION

You agree to indemnify and hold harmless Veteran Claims LLC and its representatives from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your breach of these Terms, your provision of false or misleading information, or your violation of applicable law.

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12. TERMINATION

Either party may terminate the service relationship upon written notice, subject to the terms of your individual service agreement. Upon termination, you retain all rights to your claim and documentation. We will provide you with copies of your file upon request. Termination does not affect our HIPAA obligations with respect to your PHI, which survive termination.

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13. DISPUTE RESOLUTION

Any dispute arising from these Terms or our services shall first be subject to good-faith negotiation between the parties. If unresolved within thirty (30) days, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, conducted in Florida. The prevailing party shall be entitled to recover reasonable attorneys' fees.

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14. GOVERNING LAW

These Terms shall be governed by the laws of the State of Florida, without regard to conflict of law principles, and subject to applicable federal law governing VA claims assistance and HIPAA.

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15. MODIFICATIONS

We reserve the right to modify these Terms at any time. Updated Terms will be posted on our website with the revised effective date. Continued use of our services after posting constitutes acceptance of the modified Terms.

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16. SEVERABILITY

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

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17. ENTIRE AGREEMENT

These Terms, together with your individual service agreement, the Privacy Policy, the Notice of Privacy Practices, and the HIPAA Authorization Form, constitute the entire agreement between you and Veteran Claims LLC regarding our services and supersede all prior understandings or agreements.

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18. CONTACT INFORMATION

For questions about these Terms, contact us at:

Veteran Claims LLC

5172 Vizcaya St

Ave Maria, FL 34142

Email: [email protected]

Website: www.veteranclaims.com

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ATTORNEY REVIEW NOTE: This document is a draft template. It should be reviewed and finalized by a licensed attorney familiar with HIPAA, FIPA, and VA claims regulations before publication or client distribution.

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