Terms of
Service

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and The Intent Network, LLC, a Texas limited liability company doing business as VAClaims.io (“VAClaims.io,” “Company,” “we,” “us,” or “our”), governing your access to and use of the website at vaclaims.io, our web application, and all related services, tools, content, and communications (collectively, the “Platform”).

By creating an account, accessing, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy (incorporated herein by reference). If you do not agree to these Terms, you must immediately cease all use of the Platform.

PLEASE READ THESE TERMS CAREFULLY. THEY INCLUDE A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER (SECTION 17) THAT AFFECT YOUR LEGAL RIGHTS.

2. Eligibility

To use the Platform, you must:

• Be at least eighteen (18) years of age.
• Be a United States veteran, active-duty service member, reservist, National Guard member, or an eligible dependent or survivor of such individuals.
• Reside in or be a citizen of the United States of America.
• Have the legal capacity to enter into a binding contract under the laws of your state of residence.
• Not be barred from using the Platform under any applicable federal, state, or local law.

By using the Platform, you represent and warrant that you meet all of the foregoing eligibility requirements. If we discover or reasonably believe that you do not meet these requirements, we may suspend or terminate your account without notice.

3. Account Creation & Security

To access certain features of the Platform, you must create an account. You agree to:

• Provide accurate, current, and complete information during the registration process and keep such information up to date.
• Create a strong, unique password and maintain the confidentiality of your account credentials.
• Not share your account credentials with any other person or allow another person to access the Platform using your account.
• Immediately notify us at legal@vaclaims.io of any unauthorized access to or use of your account.

You are solely responsible for all activity that occurs under your account. We are not liable for any loss or damage arising from your failure to safeguard your account credentials.

4. Description of Services

VAClaims.io provides a “Done-With-You” educational and strategic consulting platform designed to help veterans navigate the VA disability claims process. Our services include, but are not limited to:

• AI-generated strategic claim research reports and personal statement templates.
• Evidence organization and document management through the Evidence Vault.
• Disability rating calculators and appeal workflow tools.
• Matching with and access to Onboarding Advisors for claims guidance consultations.
• Video consultations via Google Meet with scheduling, recording, and transcription.
• In-app secure messaging with assigned Onboarding Advisors.
• Educational courses, coaching sessions, and resource materials.
• Email relay communications through onboarding@vaclaims.io.

CRITICAL DISCLAIMERS — PLEASE READ CAREFULLY

• NOT LEGAL REPRESENTATION: VAClaims.io is not a law firm. We do not provide legal advice, legal representation, or attorney-client services. No attorney-client, fiduciary, or other privileged relationship is created between you and VAClaims.io or any Onboarding Advisor by your use of the Platform. For legal advice, consult a licensed attorney or VA-accredited claims agent.
• NOT MEDICAL ADVICE: VAClaims.io does not provide medical advice, diagnoses, or treatment. Information provided through the Platform, including AI-generated reports, is for educational and strategic purposes only. For medical advice, consult a licensed healthcare provider.
• NOT THE VA: VAClaims.io is not affiliated with, endorsed by, sponsored by, or a representative of the U.S. Department of Veterans Affairs, the U.S. Department of Defense, or any government agency. Disability ratings and benefit determinations are made solely by the VA based on the evidence presented and the application of 38 CFR.
• NO GUARANTEED OUTCOMES: We do not guarantee any specific claim outcome, disability rating, or benefit award. The information, tools, and strategies we provide are designed to educate and assist you in building the strongest possible claim, but the final determination rests entirely with the VA.
• YOU RETAIN 100% OF YOUR BENEFITS: VAClaims.io does not charge contingency fees and does not take any percentage of your VA disability benefits. You keep 100% of any benefits awarded to you by the VA.

5. Onboarding Advisors

The Platform may connect you with Onboarding Advisors who provide claims navigation guidance, information gathering, and educational support. You acknowledge and agree to the following:

• Independent Contractors: Onboarding Advisors are independent contractors of VAClaims.io, not employees. VAClaims.io does not supervise, direct, or control the specific manner in which Advisors perform their services, though Advisors are required to comply with Platform policies and professional standards.
• Not Attorneys: Onboarding Advisors are not attorneys and do not provide legal advice or legal representation. Their guidance is educational and informational in nature.
• Not Therapists: Onboarding Advisors are not acting in a therapeutic capacity. Even if an Advisor holds a professional license in a healthcare field, their role on the Platform is limited to claims navigation guidance and information recording. Their interaction with you through VAClaims.io does not constitute a therapist-patient or provider-patient relationship.
• Licensed Professionals: Advisors are verified licensed professionals who have passed our identity verification process, including NPI Registry lookup and government ID verification. However, VAClaims.io does not guarantee the quality, accuracy, or completeness of any Advisor’s guidance.
• Privacy Controls: To protect your privacy, Advisors see a masked version of your identity and communicate with you only through the Platform’s secure messaging and email relay systems.

6. Communication Recording Consent

You acknowledge and consent to the following recording and monitoring practices:

• Video Consultations: Calls conducted through Google Meet may be recorded and transcribed. You will be notified at the start of each call. By continuing the call after notification, you consent to the recording and transcription. You may request that recording be disabled for a specific session.
• In-App Messaging: All messages sent through the Platform’s messaging system are logged and stored for quality assurance, dispute resolution, and compliance purposes.
• Email Relay: Emails sent through the onboarding@vaclaims.io relay system are logged for the same purposes.
• Use of Recordings: Recordings, transcriptions, and communication logs may be used for: service quality improvement; Advisor training and performance evaluation; accurate documentation of your claim details; dispute resolution; and compliance with legal obligations.

7. Payment Terms

• Flat Fee Model: VAClaims.io charges a one-time flat fee for access to our services. There are no contingency fees, recurring subscriptions (unless otherwise stated at the time of purchase), or percentage-based charges on any VA benefits you receive.
• Payment Processing: All payments are processed securely through Stripe, Inc. By making a payment, you also agree to Stripe’s terms of service. We do not store your full credit card number, debit card number, or bank account details on our servers.
• Pricing: All prices are displayed in U.S. Dollars (USD). Prices are subject to change, but any price change will not affect fees already paid.
• Taxes: You are responsible for any applicable sales tax, use tax, or other taxes imposed by your jurisdiction.
• Refunds: Refund eligibility is governed by our separate Refund Policy, available at vaclaims.io/refund-policy. Please review our Refund Policy before making a purchase.
• Chargebacks: If you initiate a chargeback or payment dispute with your bank or credit card company without first contacting us to resolve the issue, we reserve the right to suspend your account pending resolution and to recover any associated fees or costs incurred by us.

8. AI-Generated Content

The Platform uses artificial intelligence to generate strategic claim reports, personal statement templates, evidence gap analyses, and other outputs. You acknowledge and agree to the following:

• Tools, Not Guarantees: AI-generated outputs are informational and strategic tools designed to assist you. They do not constitute legal advice, medical advice, or a guarantee of any claim outcome.
• Accuracy Responsibility: You are solely responsible for reviewing, editing, and verifying all AI-generated content before submitting anything to the VA. Any statements, forms, or documents you submit to the VA are your representations, and you are responsible for their accuracy and truthfulness under applicable law, including 38 U.S.C. § 6102 (penalties for fraudulent claims).
• No Reliance: You should not rely solely on AI-generated content for any important decisions. We recommend consulting with a licensed attorney or VA-accredited claims agent for specific legal guidance.
• Limitations: AI systems may produce incomplete, inaccurate, or outdated information. AI outputs are based on the information you provide and the data available at the time of generation. VA policies, regulations, and case law change frequently.
• Data Usage: Your personal information used to generate AI outputs is not sold, shared, or used to train external AI models. See our Privacy Policy for details.

9. Intellectual Property

9.1 Platform Intellectual Property

All content, features, functionality, software, code, designs, text, graphics, logos, trademarks, service marks, trade names, strategies, methodologies, processes, educational materials, course content, and proprietary insights available on or through the Platform (collectively, “Platform IP”) are owned by The Intent Network, LLC or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

9.2 Limited License to Users

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and to download or print AI-generated reports and materials solely for your personal use in connection with your own VA disability claim(s). This license does not include the right to:

• Reproduce, distribute, publicly display, or publicly perform any Platform IP.
• Modify, adapt, translate, reverse engineer, decompile, or disassemble any part of the Platform.
• Use any Platform IP for commercial purposes, resale, or to provide services to third parties.
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices.
• Share, redistribute, or publish AI-generated reports, strategies, or materials beyond your personal claim use.

9.3 User Content

You retain ownership of the personal information, documents, and materials you upload to the Platform (“User Content”). By uploading User Content, you grant us a limited, non-exclusive, worldwide, royalty-free license to use, process, store, and display your User Content solely for the purposes of providing our services to you, generating AI-assisted outputs, and fulfilling our obligations under these Terms. This license terminates upon deletion of your account and associated data, subject to our data retention policies.

10. User Responsibilities & Accuracy of Information

You agree to the following responsibilities:

• You are responsible for the accuracy, completeness, and truthfulness of all information you provide to us and subsequently to the VA.
• You agree not to provide false, misleading, or fraudulent information to VAClaims.io or to the VA.
• You understand that submitting false or fraudulent claims to the VA may result in criminal penalties under 18 U.S.C. § 1001 and civil penalties under 38 U.S.C. § 6102.
• You are responsible for reviewing all materials — including AI-generated content and Advisor recommendations — before making any submissions to the VA.
• You agree to use the Platform only for lawful purposes and in accordance with these Terms.

11. Prohibited Conduct

You agree not to:

• Use the Platform for any unlawful, fraudulent, or deceptive purpose.
• Attempt to gain unauthorized access to any part of the Platform, other users’ accounts, or our systems and networks.
• Use automated systems, bots, scrapers, or similar tools to access, extract data from, or interact with the Platform without our express written consent.
• Interfere with, disrupt, or attempt to undermine the integrity, security, or performance of the Platform.
• Impersonate any person or entity, or misrepresent your identity, affiliation, or military service status.
• Harass, threaten, abuse, or intimidate any other user, Advisor, or VAClaims.io personnel.
• Upload or transmit viruses, malware, or other harmful code.
• Use the Platform to collect or harvest personal information of other users.
• Reproduce, duplicate, sell, resell, or exploit any portion of the Platform or its content for commercial purposes.
• Circumvent, disable, or interfere with any security features of the Platform.
• Use AI-generated content, strategies, or materials to provide competing services or commercial advice to third parties.
• Solicit Onboarding Advisors for outside services or attempt to engage them outside of the Platform.

Violation of any of these prohibitions may result in immediate suspension or termination of your account, forfeiture of fees paid, and potential legal action.

12. Account Suspension & Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms or any Platform policy.
• Fraudulent or suspected fraudulent activity.
• Submission of false or misleading information to the Platform or the VA.
• Abusive behavior toward Advisors or other users.
• Extended period of inactivity (twelve (12) or more consecutive months).
• Request by law enforcement or other government agency.

Upon termination, your right to use the Platform ceases immediately. Sections of these Terms that by their nature should survive termination will survive, including but not limited to: Intellectual Property, Indemnification, Limitation of Liability, Arbitration, and Governing Law.

You may terminate your account at any time by contacting us at legal@vaclaims.io. Account termination does not entitle you to a refund unless otherwise specified in our Refund Policy.

13. Disclaimers

THE PLATFORM AND ALL SERVICES, CONTENT, TOOLS, AND MATERIALS PROVIDED THROUGH THE PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VACLAIMS.IO AND THE INTENT NETWORK, LLC DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
• WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, OR COMPLETENESS OF ANY CONTENT, INFORMATION, OR RESULTS OBTAINED THROUGH THE PLATFORM.
• WARRANTIES REGARDING THE CONDUCT, QUALIFICATIONS, OR QUALITY OF SERVICE OF ANY ONBOARDING ADVISOR.
• WARRANTIES REGARDING THE OUTCOME OF ANY VA DISABILITY CLAIM, APPEAL, OR SUPPLEMENTAL CLAIM.

YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR LOSS OF DATA RESULTING FROM YOUR USE OF THE PLATFORM.

14. Indemnification

You agree to indemnify, defend, and hold harmless The Intent Network, LLC (d/b/a VAClaims.io), its owners, officers, directors, members, managers, employees, independent contractors (including Onboarding Advisors), agents, licensors, and service providers (collectively, the “Indemnified Parties”) from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to:

• Your use of or access to the Platform.
• Your violation of these Terms or any applicable law or regulation.
• Your submission of false, inaccurate, misleading, or fraudulent information to the Platform or the VA.
• Your infringement of any intellectual property or other right of any third party.
• Any claim by the VA, government agency, or third party arising from your conduct or submissions.
• Any dispute between you and an Onboarding Advisor arising from interactions on or through the Platform.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• IN NO EVENT SHALL THE INTENT NETWORK, LLC, VACLAIMS.IO, OR ANY OF THE INDEMNIFIED PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, VA BENEFITS, DISABILITY RATINGS, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES YOU ACTUALLY PAID TO VACLAIMS.IO DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
• WE ARE NOT LIABLE FOR ANY ACTIONS, OMISSIONS, ADVICE, OR GUIDANCE PROVIDED BY ONBOARDING ADVISORS, WHO ARE INDEPENDENT CONTRACTORS AND NOT EMPLOYEES OF VACLAIMS.IO.
• WE ARE NOT LIABLE FOR THE OUTCOME OF ANY VA DISABILITY CLAIM, APPEAL, SUPPLEMENTAL CLAIM, OR ANY DECISION MADE BY THE DEPARTMENT OF VETERANS AFFAIRS. DISABILITY RATINGS ARE DETERMINED SOLELY BY THE VA BASED ON THE EVIDENCE PRESENTED AND THE APPLICATION OF 38 CFR.
• WE ARE NOT LIABLE FOR ANY INACCURACIES, ERRORS, OR OMISSIONS IN AI-GENERATED CONTENT OR FOR ANY CONSEQUENCES RESULTING FROM YOUR RELIANCE ON SUCH CONTENT.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY, AND YOU MAY HAVE ADDITIONAL RIGHTS.

16. Dispute Resolution — Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (“Dispute”) informally by contacting us at legal@vaclaims.io with a detailed written description of the Dispute, including the nature of your claim, the specific relief sought, and your contact information.

We will attempt to resolve the Dispute within thirty (30) days of receiving your written notice. If the Dispute cannot be resolved informally within this 30-day period, either party may proceed to binding arbitration as described in Section 17.

17. Binding Arbitration & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

17.1 Agreement to Arbitrate

You and The Intent Network, LLC agree that any Dispute that cannot be resolved through the informal resolution process described in Section 16 shall be resolved exclusively through final and binding arbitration, rather than in court, except that either party may seek injunctive or other equitable relief in court to protect its intellectual property rights pending arbitration.

17.2 Arbitration Rules & Procedures

• Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect.
• Arbitration shall take place in Bexar County, Texas, unless the parties mutually agree to a different location or to virtual proceedings.
• The arbitration shall be conducted by a single neutral arbitrator.
• The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
• The arbitrator shall apply Texas substantive law consistent with the Federal Arbitration Act (9 U.S.C. § 1 et seq.).
• Each party shall bear its own costs and attorneys’ fees, unless the arbitrator determines that a claim was frivolous, in which case the arbitrator may award reasonable attorneys’ fees to the prevailing party.

17.3 Class Action Waiver

YOU AND THE INTENT NETWORK, LLC AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST THE INTENT NETWORK, LLC OR VACLAIMS.IO.

If for any reason a Dispute proceeds in court rather than in arbitration, you and The Intent Network, LLC each waive any right to a jury trial.

17.4 Exceptions

Notwithstanding the foregoing, either party may bring an individual action in small claims court for Disputes within the jurisdictional limits of such court. Additionally, this arbitration agreement does not preclude you from filing a complaint with any federal, state, or local government agency.

17.5 Opt-Out Right

You may opt out of the arbitration and class action waiver provisions by sending written notice to legal@vaclaims.io within thirty (30) days of your first use of the Platform. Your notice must include your full name, account email address, and a clear statement that you wish to opt out of arbitration. If you opt out, all other provisions of these Terms remain in effect.

18. Governing Law

These Terms and any Dispute arising out of or related to these Terms or the Platform shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. To the extent that litigation is permitted under these Terms, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Bexar County, Texas.

19. Third-Party Links & Services

The Platform may contain links to third-party websites, services, or resources that are not owned or controlled by VAClaims.io (including but not limited to the VA.gov website, Google Meet, and Stripe). We are not responsible for the content, privacy policies, or practices of any third-party websites or services. You access third-party resources at your own risk and subject to their respective terms and conditions.

20. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes:

• We will update the “Last Updated” date at the top of these Terms.
• We will provide you with at least thirty (30) days’ prior notice of material changes via email to the address associated with your account and/or through a prominent notice on the Platform.
• Your continued use of the Platform after the effective date of the revised Terms constitutes your acceptance of the changes.
• If you do not agree to the revised Terms, you must stop using the Platform before the effective date of the changes.

21. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction or arbitrator, such provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

22. Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of The Intent Network, LLC.

23. Entire Agreement

These Terms, together with the Privacy Policy, Refund Policy, Acceptable Use Policy, and any other policies or agreements referenced herein, constitute the entire agreement between you and The Intent Network, LLC regarding your use of the Platform and supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us.

24. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms, in whole or in part, without restriction and without notice to you, including in connection with a merger, acquisition, reorganization, or sale of assets.

25. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, government actions, power failures, internet or telecommunications failures, cyberattacks, or disruptions to third-party services upon which the Platform relies.

26. Contact Information

If you have any questions about these Terms, please contact us:

• The Intent Network, LLC d/b/a VAClaims.io
• San Antonio, Texas
• Email: legal@vaclaims.io