Terms of Service

1. Acceptance of Terms

By accessing or using SecondaryClaims.com (the “Site”), you agree to be bound by these Terms of Service and our Privacy Policy. You must be at least 18 years old to use this Site or purchase any product. If you do not agree to these Terms, do not use this Site.

2. Not a Law Firm — No Legal Representation

SecondaryClaims.com is NOT a law firm. We do not provide legal advice, legal representation, or any form of professional representation before the U.S. Department of Veterans Affairs (VA) or any court or administrative body. Specifically:

• We are not accredited by the VA under 38 CFR § 14.629 and are not authorized to prepare, present, or prosecute VA claims on behalf of any veteran.
• No attorney-client relationship, claims-agent relationship, fiduciary duty, or any other professional or legal relationship is created by using this Site or purchasing any product.
• Our content — including playbooks, templates, tools, guides, and articles — does not substitute for advice from a licensed VA-accredited attorney, an accredited claims agent, or a Veterans Service Organization (VSO) representative.
• If you need legal representation — particularly for appeals to the Board of Veterans' Appeals (BVA) or the Court of Appeals for Veterans Claims (CAVC) — you should consult a licensed VA-accredited attorney. Many accredited attorneys work on contingency and charge no upfront fees.

3. Educational Use Only

All content on this Site — including playbooks, tools, templates, guides, articles, calculators, and checklists — is provided for educational and informational purposes only. It does not constitute legal advice, medical advice, financial advice, or professional representation of any kind. You use all content at your own risk and responsibility.

4. No Guarantee of Outcome

SecondaryClaims.com makes no guarantee, warranty, or representation regarding the outcome of any VA claim, appeal, or rating decision.

• Results described on this Site — including rating increases, back-pay amounts, and testimonials — are illustrative examples based on individual experiences. They are not typical or guaranteed.
• VA disability ratings, service-connection decisions, and compensation amounts depend on individual medical evidence, service records, C&P examination outcomes, and VA adjudicator decisions — factors entirely outside our control.
• Our tools (including the Rating Calculator and Back-Pay Estimator) produce estimates based on published VA rates and regulations. They are not official VA determinations and may differ from your actual rating or compensation.
• Using our products does not guarantee a successful claim, a higher rating, or any specific outcome from the VA.

5. Purchases and Refunds

Digital products (playbooks, templates) are delivered electronically after purchase. We offer a 30-day satisfaction guarantee: if you are not satisfied with your purchase, contact us within 30 days of purchase for a full refund. Refund requests after 30 days are evaluated on a case-by-case basis. We reserve the right to deny a refund if the policy is being abused. See our Refund Policy for full details.

6. Limitation of Liability

To the fullest extent permitted by applicable law:

• SecondaryClaims.com, its owner, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — this Site or any product.
• Our total cumulative liability to you for any claim arising out of or relating to these Terms or your use of this Site shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or $100 (one hundred U.S. dollars), whichever is greater.
• We provide this Site and all content on an “as is” and “as available” basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

7. Intellectual Property

All content on this Site — including text, tools, templates, illustrations, and playbooks — is owned by SecondaryClaims.com or its contributors and is protected by copyright. Purchased products are licensed for single, personal, non-commercial use only. You may not reproduce, resell, sublicense, or distribute any content without prior written consent from us.

8. Accuracy of Information

VA regulations, rating criteria, compensation rates, and benefit structures change over time. We strive to keep content current but do not guarantee the accuracy, completeness, or timeliness of any information on this Site. Always verify critical regulatory information with official VA publications (38 CFR, M21-1, VA.gov) or a VA-accredited professional before relying on it.

9. Governing Law and Disputes

These Terms are governed by the laws of the United States and the state in which SecondaryClaims.com is operated, without regard to conflict-of-law provisions. Any dispute arising from these Terms or your use of this Site shall be resolved through good-faith negotiation first. If negotiation fails, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association (AAA). Class actions are waived to the extent permitted by law.

10. Changes to These Terms

We may update these Terms of Service at any time. Material changes will be communicated via the Site or by email. Your continued use of the Site after any update constitutes acceptance of the revised Terms.