Terms and Conditions | VetComm.US Website

Terms and Conditions | VetComm.US Website 

Definitions 

For purposes of this Agreement,  

(1) “VetComm Services” means only those educational courses and related support  services provided directly by VetComm;  

(2) “Third-Party Services” means any products or services provided by independent  third parties, including but not limited to Nexus Letters and Disability Benefits  Questionnaires (“DBQs”), even if such services are introduced, facilitated, paid for,  or accessed through VetComm. Payment facilitation or administrative coordination  by VetComm does not constitute service provision. 

The following describes the Terms and Conditions of Use for the VETCOMM.US  Website. 

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING OUR  WEBSITE. BY ACCESSING OR USING OUR WEBSITE, YOU AGREE TO BE BOUND BY THE  TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY  THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE OUR WEBSITE. IF YOU  DO NOT UNDERSTAND THESE TERMS AND CONDITIONS, DO NOT USE OUR WEBSITE. 

THIS AGREEMENT IS EFFECTIVE AND BINDING ON THE DATE AND EXECUTION OF  YOUR PRODUCT(S) OR SERVICE(S) PURCHASE. WE MAY MODIFY THIS AGREEMENT AT  ANY TIME WITHOUT INDIVIDUAL OR SPECIFIC NOTICE TO YOU, AND SUCH  MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING THE MODIFIED  AGREEMENT ON OUR WEBSITE AND ARE NOT RETROACTIVE. YOU AGREE AND FULLY  UNDERSTAND THAT YOU ARE REQUIRED TO REVIEW THE AGREEMENT PERIODICALLY TO  BE AWARE OF ANY SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF  OUR WEBSITE AFTER SUCH NOTICE SHALL BE DEEMED YOUR CONCLUSIVE  ACCEPTANCE OF THE MODIFIED AGREEMENT, INCLUDING ANY AND ALL  MODIFICATIONS, ADDITIONS, DELETIONS, OR OTHER CHANGES. 

MATERIAL MODIFICATIONS WILL APPLY PROSPECTIVELY AND WILL NOT AFFECT  DISPUTES ARISING PRIOR TO POSTING. 

COST OF GOODS AND SERVICES: THE COSTS OF OUR GOODS AND SERVICE(S)  OBLIGATIONS, INCLUDING THE PAYMENT TERMS, WILL NOT CHANGE FROM THE DATE  OF PURCHASE.

OUR WEBSITE AND CONTENT ARE PROVIDED ON AN ‘AS IS’ BASIS WITHOUT ANY  WARRANTIES OF ANY KIND. OUR WEBSITE AND ITS SUPPLIERS, TO THE FULLEST EXTENT  PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, INCLUDING (BUT NOT LIMITED TO) THE  WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS,  AND THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. OUR WEBSITE AND ITS  SUPPLIERS MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY,  COMPLETENESS, OR TIMELINESS OF THE CONTENT, SERVICES, SOFTWARE TEXT,  GRAPHICS, AND LINKS. 

IMPORTANT: If you have any questions or concerns regarding these Terms and  Conditions, the Purchase Plan Agreement, Policies, or in general, as the “Customer,”  you must contact us directly at [email protected] before you  contractually agree to these Terms and Conditions by completing the Transaction to  Purchase our Products or Services.  

CONTINGENT LEGAL OBLIGATION FOR THE “ONE-TIME PAYMENT”, OR “3-MONTH  INSTALLMENT PLAN”, OR “6-MONTH INSTALLMENT PLAN” PURCHASE AGREEMENT: 

The Customer’s Electronic Acceptance (via checkbox) is a legally binding act of  checking the required Checkout Cart Checkbox and is enforceable as a written  signature. You cannot purchase our Product(s) or Service(s) or receive VA Claim Filing  Process Assistance via our Payment Processing Checkout Cart without selecting the  CHECKBOX, noted above, to activate the purchase button with the Legal  Disclaimer, displayed below: 

“I AGREE to and UNDERSTAND VETCOMM US’s published Terms and Conditions,  which include an arbitration provision waiving your right to a jury trial governing the use of  our Course(s), VA Claim Filing Assistance, Guarantee, Payment, Cancelation,  and Refund Policies.“  

VetComm may utilize third-party payment processors, including but not limited to Stripe,  solely as payment facilitators. VetComm is not the merchant of record for Third-Party  Services and bears no responsibility for chargebacks, reversals, or disputes relating to  Third-Party Services. Third-Party Services are expressly excluded from all guarantees,  refunds, or cancellation rights unless otherwise stated in a written agreement executed by 

VetComm. Disputes arising solely from Third-Party Services must be pursued directly  against the third-party provider, not against VetComm. 

Executing the purchase transaction for our Product(s), “YOU” confirm that  “YOU” understand “ALL” the Terms and Conditions of this agreement. 

By purchasing our product(s), “YOU” completely understand, agree to, and confirm that  “YOUR” “financial legal obligation” is one of the following Installment Payment Options: 

1. One-Time Payment totaling: $1,497.00 
2. 3-Month Installment Plan totaling: $2,100.00 
3. 6-Month Installment Plan totaling: $2,400.00 

Additionally, by completing the purchase of our product(s), you completely understand,  agree to, and confirm that these “Installment Plans” are “ABSOLUTELY NOT A  SUBSCRIPTION” that can be canceled like a “Magazine” or “Online Movie Subscription”  which are “pay as you use” services. 

This purchase is an “Installment Payment Plan” which is the same as your “Auto Loan”  or your “Mortgage” where you owe a “TOTAL AMOUNT OF THE PURCHASE AGREEMENT”  that you pay in monthly “INSTALLMENTS” until you pay the Purchase Plan’s Total  Balance; i.e. the One-Time Plan Cost is $1,497 (Discounted $903), the 3-Month  Installment Plan Cost is $2,100 (Discounted $300), and the 6-Month Installment Plan Cost  is $2,400 (Not Discounted). 

Failure to pay your scheduled Installment Payment(s) will immediately halt your VA  Disability Claim Filing Assistance until “YOUR” Installment Payment Plan account balance  is returned to “Good Standings”. Failure to pay your Installment Payment Plan “DOES  NOT” remove your legal financial commitment and responsibility to pay all the  Installments of “YOUR” Installment Plan and will result in collections of the entire  outstanding balance should your account remain delinquent. 

CANCELATION POLICY: 

VETCOMM US DOES NOT have a “Cancellation” option due to the nature of delivered  electronic digital products being Unretrievable Intellectual and Proprietary Property, it is  considered irrevocable, non-refundable, and “agreed to” upon execution of the purchase  transaction that cannot be executed without the Customer’s Electronic Acceptance (via  checkbox), which is a legally binding act of checking the required Checkout Cart 

Checkbox that activates the purchase button in the Checkout Cart and is enforceable as  a written signature confirming YOUR AGREEMENT to these Terms and Conditions. 

VETCOMM US strives to help Veterans obtain the VA Disability Compensation they are  entitled to for their active-duty Injuries in good faith by providing our Course(s) and the VA  Claim Filing Process Assistance. 

VETCOMM US recognizes that the Veterans Affairs Benefits Decisions are beyond  VETCOMM US’s control, that individual results may vary based on the VA’s Decision(s),  and that filing a claim does not guarantee VA claim approval. 

GUARANTEE REFUND POLICY: 

VETCOMM US offers a “Guarantee Refund Policy” after the Veteran has fully  participated in filing “VETCOMM-ASSISTED CLAIMS“, as listed below. Refunds do not  include administrative fees or payment processing fees.  

Third-party services, including Nexus Letters and DBQs, are expressly excluded from all  guarantees, refunds, or cancellation rights unless otherwise stated in a written agreement  executed by VetComm. 

• If the FIRST “VETCOMM-ASSISTED CLAIM’s” combined disability conditions ARE  NOT AWARDED A TOTAL DISABILITY RATING INCREASE OF 10% (or more),  meaning (example) if the Veteran had no Rating (0%) and the VETCOMM-ASSISTED  CLAIM received a 10% Rating (or more) Awarded from the VA, the Veteran has  achieved the goal of the Course, and the Guarantee Refund obligation has been  fulfilled.
•  If the Veteran was NOT AWARDED a 10% TOTAL Rating Increase (or more)  from the VA on the FIRST VETCOMM-ASSISTED CLAIM VETCOMM will assist  the Veteran in filing a SECOND claim.
• If the SECOND VETCOMM-ASSISTED CLAIM received a 10%  

TOTAL (or more) Rating Increase Awarded from the VA, the Veteran has achieved the goal of the Course, and the Guaranteed Refund obligation has been fulfilled. 

•  If the Veteran was NOT AWARDED a 10% TOTAL Rating Increase (or more) from the  VA on the SECOND VETCOMM-ASSISTED CLAIM, the Veteran is entitled to choose  one of the following options: 
• Choose to file a THIRD Claim.
• Filing a THIRD Claim with or without a rating increase of any measure  waives your right to the guarantee refund policy. . 
• It is not uncommon for Veterans to submit multiple claims to receive their owed Ratings, as obtaining the necessary  supporting documentation for the VA to substantiate the disability condition can take time and several claim submissions. 

Additionally, individual circumstances can also contribute to varying results, which are solely determined by the VA’s award decision(s). 

• Filing a claim does not guarantee claim approval. 
• Choose a Refund 
• If the Veteran isn’t satisfied with their Rating Award, they may continue with an  extended Advanced VA Disability FAST-PASS Course & VA Claim Filing assistance  for 30 days from the date of their final decision letter at a reduced rate of $600 per  additional claim filing. All extensions are non-refundable. 

GUARANTEE REFUND REQUIREMENTS: 

1. To qualify for our Money-Back Guarantee “YOU” the “Customer” must have  paid the entire balance of the “YOUR” selected Purchased Payment Plan and  have continued participation in the filing of the claims according to our Terms  and Conditions. 
2. The Veteran must complete the Advanced VA Disability FAST-PASS Course and  Workbook, take the C&P Exams Courses, Schedule a C&P Exam Consult if they  would like additional Exam assistance, follow our Exam Preparation Advice during  the Exam(s), and attend the VA Compensation and Pension (C&P) Examination  Appointments “as scheduled“. 
3. If “YOU” attempt to stop “YOUR” Installment Plan by canceling the card or the  payments causing “Insufficient Funds“, “YOU” have your Bank “Deny or Dispute  YOUR Payment(s) or otherwise fail to honor “YOUR Installment Payment’s  Financial Obligation” , or have not otherwise returned your outstanding balance to  “Good Standings“, the Money-Back Guarantee is “VOID WITHOUT REFUND“, and  your account will be accordingly sent to collections.
4. “YOU” have ninety (90) days from the date of their VA Disability Award  Decision letter decision date to request a refund. Refund Requests will not be  processed after ninety (90) consecutive calendar days following the VA  Disability Award Decision letter’s decision date. 
5. Failure to Communicate: If no communication (chat, email, letter, phone, or text)  response from “YOU” the Veteran, after thirty (30) consecutive calendar days in  our attempts to provide or request information from “YOU“, access to our course  and assistance will be removed and the Guarantee will be VOID. 
6. To reactivate the course and our assistance, the Veteran must purchase the  Course Extension for one (1) claim. 
7. Active Duty Personnel: Active Duty Personnel whose EAS is 90 days from being  discharged; and then decide to reenlist, who are willingly or unwillingly extended on  Active Duty, or are being retained for the “good of the service” no longer qualify for  our money back Guarantee.  
8. VETCOMM will remove access to our course for one calendar year from the  purchase or intent-to-file date, whichever is shorter. VetComm offers a non refundable product that consists of Services, including educational materials, claim assistance support, and related tools. Access to such materials is provided solely as part of the Services and is time-limited as described herein. Expiration of access does not constitute cancellation, revocation, or refund of Services. 

GUARANTEE EXCEPTIONS: 

1. There is no Guarantee, Refund, or Cancellation for Veterans already with a 90%  Total Overall Disability Rating, as it is extremely difficult to get a 100% Overall  Disability Rating because of the VA’s Disability Criteria  

and Math Calculations between 90% and 100%, yet VETCOMM US will still help  file the two claims and provide filing process assistance offered in the Guarantee,  but there will be no refund if the Veteran cannot reach the desired 100% Disability  

Rating. Third-party services are expressly excluded from all guarantees, refunds, or  cancellation rights unless otherwise stated in a written agreement executed by  VetComm. 

1. Because of this situation, VETCOMM US will file up to three (3) VA Disability  Claims for 90% Rated Veterans but if the Veteran is NOT AWARDED a 10%  TOTAL Rating Increase (or more) from the VA, for EITHER CLAIM, there will be  NO REFUND.
2. Open Claims Filed Outside of VetComm: If you purchase from VetComm while you  have an open VA Disability Claim which results in a total rating of 90% or more, you  are not eligible for a Guarantee Refund. 
3. If the Veteran isn’t satisfied with their Rating Award, they may continue with an  extended Advanced VA Disability FAST-PASS Course & VA Claim Filing assistance  for 30 days from the date of their final decision letter at a reduced rate of $600 per  additional claim filing. All extensions are non-refundable. 
4. Other Than Honorable (OTH) Discharge Conditions: There is NO GUARANTEE  REFUND POLICY for the OTH Discharge, even though VETCOMM US can file  Disability Claim(s) for this category of Veterans, there are additional factors  imposed by the VA that may restrict the Rating Award Decision(s). 
5. Because of this situation, VETCOMM US will file up to two (2) VA Disability  Claims for OTH Veterans but if the Veteran is NOT AWARDED a 10% TOTAL  Rating Increase (or more) from the VA, for EITHER CLAIM, there will be NO  REFUND. 

Communication Policy, Consent, and Agreement Enforcement 

1. Binding Agreement by Electronic Consent 

By checking the box at checkout and completing your purchase, you affirmatively  acknowledge that you have read, understood, and agree to be bound by the terms of this  Customer Agreement and the full Terms and Conditions available  

at www.vetcomm.us/legal/terms. This action constitutes a legally binding electronic  signature under the U.S. Electronic Signatures in Global and National Commerce (E-SIGN)  Act. 

2. Consent to Electronic Communications 

You consent to receive communications from VETCOMM, including appointment  reminders, program updates, and assistance-related messages, via SMS, email, phone, or  any other method you provide. Standard message and data rates may apply. You may opt  out at any time by replying "STOP" to text messages or by following the unsubscribe  instructions in email communications. 

3. Communication Requirements for Service Fulfillment 

To provide the support for your purchased course and the VA Claim Filing assistance,  VETCOMM must maintain the ability to reach you through at least one active  communication channel. If you engage in any of the following for 30 consecutive days:

• Enable "Do Not Disturb" (DND) mode on all available channels, 
• Block VETCOMM numbers or emails, 
• Fail to respond to three or more contact attempts, 

...will be considered a material breach of your Customer Agreement, which voids your  eligibility for any guarantee, and may result in cancellation of your service without  refund. 

4. Refund Policy Enforcement 

Guarantees and refund eligibility are conditional upon timely cooperation and  communication as outlined above. Failure to meet these responsibilities forfeits all rights  to refund or continuation of assistance. 

5. Changes to Communication Preferences 

You may update your communication preferences at any time by contacting us  at [email protected] or by calling (760) 615-0735. However, opting out of  all communication channels may prevent us from delivering your purchase and/or  assistance. 

6. Customer Responsibility 

It is the Customer’s sole responsibility to: 

• Keep contact information up to date, 
• Monitor communication channels for updates or requests from VETCOMM, 
• Respond in a timely manner to outreach efforts related to VA Benefits Review and  VA Claim Filing assistance processes. 
• Failure to do so places the burden of interruption solely on the Customer. 7. Acknowledgment and Binding Consent 

By proceeding with checkout and checking the required agreement checkbox, the  Customer affirms that: 

• They have read, understood, and agreed to these Terms and Conditions, 
• They consent to receive communications from VETCOMM via phone, SMS, and  email as necessary to deliver assistance, 
• They understand that blocking or disabling all contact breaches these terms and  may void all obligations.

This Communication Policy, Consent, and Agreement Enforcement agreement is  governed by applicable digital contract laws and regulations, including but not limited to  the Uniform Electronic Transactions Act (UETA) and the Electronic Signatures in Global  and National Commerce Act (ESIGN Act). The Customer’s electronic acceptance (via  checkbox) is legally binding and enforceable as a written signature. 

REFUND REVIEW PROCESS REQUEST: 

Email VETCOMM US at [email protected] with your refund request.  VETCOMM US Course and VA Disability Claim Process Assistance offers the following: 

1. Immediately following the purchase and agreement to VETCOMM US Terms and Conditions, the Advanced VA Disability FAST-PASS Course and Workbook,  including the VA Disability Claim Filing Process assistance, will be wholly delivered  to the Customer. 
2. Customers will receive VA Disability Claim Filing Process assistance to file their VA  Disability Claim as follows: 
3. Assist veteran with the Filing Process of their Intent to File (ITF) or verify a  current ITF, if one is present. 
4. Assist veteran with the Filing Process of their VA Disability Claim. 
5. Educate veteran on compensation and preparation exam(s). 
6. Assist with Reviewing the VA’s Claim “Rating Determination Response” 
7. Depending upon VA Determination of Rating Award(s) or Denial(s), agree to  pursue an additional Claim Filing. 
8. When the Veteran receives an overall VA Disability Compensation  Rating or an increased Rating of 10% or more, the Assistance and Support obligation is fulfilled.
9. If the Veteran does not receive an overall VA Disability Rating or increased Rating of 10% or more, VETCOMM US will support a secondary claim free of charge. 
10. When the Veteran completes the program, a Final Review will be conducted  to complete the VA Disability Claim Filing Support Services.
11. If the Veteran isn’t satisfied with their Rating Award, they may continue with  an extended Advanced VA Disability FAST-PASS Course & VA Claim Filing  assistance for 30 days from the date of their final decision letter at a reduced  rate of $600 per additional claim filing.  

USE OF WEBSITE AND ONLINE CONTENT: Our VetComm.us website (and other  “internal” websites stemming from it, such as specific websites or webpages pertinent to  the main website or weblog) is an online (and, periodically, offline) information service,  subject to your compliance with the terms and conditions set forth below (collectively  referred to as our website). 

Any other policies, notices, or other legal and administrative pages contained on our  website are hereby incorporated into these Terms and Conditions of Use. This includes,  without limitation, our DMCA Policy, Privacy Policy, Disclaimer, Copyright Notice, Anti Spam Policy, and FTC Compliance Policy. 

You expressly consent to VetComm sharing necessary personal and service-related  information with third-party providers via secure electronic or API-based systems solely for  the fulfillment of third-party services. 

You agree to comply with all applicable laws and regulations regarding your use of our  VetComm.us website and the content and materials provided therein. 

Our website is an independent, stand-alone entity that has no relationship, connection, or  affiliation whatsoever with any company, person, outfit, organization, or group mentioned  herein, even if such name appears in our website name, domain, URL, or otherwise. You  should assume no other party, by mere mention of their name, has endorsed anything you  see here. The aim is simply to provide useful resources for our readers, some of which we  may be compensated for. You should simply assume at all times we are being  compensated. While that may not prompt us to make unsound recommendations, you  should always be responsible for your own financial decisions, be it investing, purchasing,  donating, or otherwise. 

WEBSITE SECURITY: Our website uses industry-standard 256bit SSL Encryption (HTTPS)  through systems and servers and Security Appliances that include Web Application  Firewall (WAF), SPAM Firewall, File System Watcher, Malware Scanner, Blacklisted IP  Blocking, Traffic Control Blocking, Hidden Admin Login Links, and other precautions to  provide a proactive approach to our online customer security. Yet, with all this in place, we  do our best. Still, there is no online system that is 100% protected from malicious actors  from the vulnerabilities of software code, and why our disclaimers clearly state, as in the 

following section “2. Use of our Website. Your use of our VetComm.us website or  materials linked to our website is completely at your own risk.” 

1. Copyright, Licenses and Idea/User Submissions. 

The following describes the Copyright Notice for our website. 

The entire contents of our website are protected by intellectual property law, including  international copyright and trademark laws. The owner of the copyrights and/or  trademarks are our website, and/or other third-party licensors or related entities. 

You do not own rights to any article, book, ebook, document, blog post, software,  application, add-on, plugin, art, graphics, images, photos, video, webinar, recording, or  other materials viewed or listened to through or from our VetComm.us website or via email  or by way of protected content in a website. The posting of data on our website, such as a  blog comment, does not change this fact and does not give you any right in the data. You  surrender any rights to your content once it becomes part of our website. 

YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR  DISTRIBUTE, IN ANY MANNER, THE CONTENT ON OUR WEBSITE, INCLUDING TEXT,  GRAPHICS, CODE AND/OR SOFTWARE. You must retain all copyright and other proprietary  notices contained in the original content on any copy you make of the content. You may  not sell or modify the content or reproduce, display, publicly perform, distribute, or  otherwise use the content in any way for any public or commercial purpose. The use of  paid content on any other website or in a networked computer environment for any  purpose is prohibited. If you violate any of the terms or conditions, your permission to use  the content automatically terminates and you must immediately destroy any copies you  have made of the content. 

You are granted a nonexclusive, nontransferable, revocable license to use our website only  for private, personal, noncommercial reasons. You may print and download portions of  material from the different areas of the website solely for your own non-commercial use,  provided that you agree not to change the content from its original form. Moreover, you  agree not to modify or delete any copyright or proprietary notices from the materials you  print or download. Also, note that any notice on any portion of our website that forbids  printing & downloading trumps all prior statements and controls. 

As a user, you agree to use the products and services offered by our website in a manner  consistent with all applicable local, state and federal laws and regulations. No material  shall be stored or transmitted that infringes or violates the rights of others, which is  unlawful, obscene, profane, indecent, or otherwise objectionable, threatening,  defamatory, or invasive of privacy or publicity rights.

Our VetComm.us website prohibits conduct that might constitute a criminal offense, give  rise to civil liability, or otherwise violate any law. Any activity that restricts or inhibits any  other user from using the services of our website is also prohibited. Unless allowed by a  written agreement, you may not post or transmit advertising or commercial solicitation on  our website. 

You agree to grant to our website a non-exclusive, royalty-free, worldwide, irrevocable,  perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create  derivative works of, publicly display and publicly perform any materials and other  information (including, without limitation, ideas contained therein for new or improved  products and services) you submit to any public areas of our website (such as bulletin  boards, forums, blog, and newsgroups) or by e-mail to our website by all means and in any  media now known or hereafter developed. You also grant our website the right to use your  name in connection with the submitted materials and other information as well as in  connection with all advertising, marketing, and promotional material related thereto. You  agree that you shall have no recourse against our website for any alleged or actual  infringement or misappropriation of any proprietary right in your communications to our  website. 

Trademarks 

Publications, products, content, or services referenced herein or on our website are the  exclusive trademarks or servicemarks of our VetComm.us website or related parties. Other  products and company names mentioned on our website may be the trademarks of their  respective owners. 

Links to Our Website 

You may provide links to our website, provided you do not change, remove, or obscure the  copyright notice or other notices on our website. Your website or other source of links must  not engage in illegal or pornographic activities. Finally, you may link provided you  understand that you must stop linking to our website immediately upon request by our  website. 

2. Use of our website. 

You agree, acknowledge, and accept that we are not trained professionals and do not  purport to render professional or expert advice in any arena. 

Data contained on or made available through our VetComm.us website is not intended to  be and does not constitute legal advice. Our website, and your use of it, do not create an 

attorney-client relationship. We do not warrant or guarantee the accuracy, adequacy, or  recency of the data contained in or linked to our website. 

Data contained on or made available through our website is not intended to be, and does  not constitute, medical or health advice. Our website, and your use of it, does not create a  physician-patient relationship. We do not warrant or guarantee the accuracy, adequacy, or  recency of the data contained in or linked to our website. 

You acknowledge that any medical information, opinions, or documentation obtained  through Third-Party Services are provided solely by independent providers, that VetComm  does not review or influence such opinions, and that You may not rely on VetComm for  medical judgment, outcomes, or interpretations. 

Data contained on or made available through our website is not intended to be, and does  not constitute, financial/investing advice. Our website, and your use of it, does not create  an advisor-client relationship. We do not warrant or guarantee the accuracy, adequacy, or  recency of the data contained in or linked to our website. 

Your use of our VetComm.us website or materials linked to our website is completely at  your own risk. You should not act or depend on any data on our website, where applicable,  without seeking the counsel of a competent lawyer licensed to practice in your jurisdiction  for your particular legal issues. You should not act or depend on any data on our website,  where applicable, without seeking the counsel of a competent physician licensed to  practice in your jurisdiction for your particular medical issues. You should not act or  depend on any data on our website, where applicable, without seeking the counsel of a  competent financial advisor licensed to practice in your jurisdiction for your particular  financial needs and issues. 

We may make changes to the features, functionality or content of our website at any time.  We reserve the right in our sole discretion to edit or delete any data appearing on our  website. 

Your Duty To Other Users 

Your use of our website is for your own personal, non-commercial benefit. In no way are  you to leverage our website in a way that mines for the personal information of other,  whether in blog comments or otherwise, for your own use or for the benefit of others. This  includes, but is not limited to, spam (unsolicited commercial email). 

If you inadvertently obtain personal information about other users, you shall not share this  with anyone else. 

Restricted access

Access to certain areas of our VetComm.us website is restricted. We reserve the right to  restrict access to other areas of our website, or indeed our whole website, at our  discretion. 

If we provide you with a user ID (username) and password to enable you to access  restricted areas of our website or other content or services, you must ensure that that user  ID and password is kept confidential. You may not share your user ID and/or password with  anyone for any reason, either directly or indirectly. You accept responsibility for all  activities that occur under your user ID or password. 

We may disable your user ID and password at our sole discretion or if you breach any of the  policies or terms governing your use of our VetComm.us website or any other contractual  obligation you owe to us. 

Third-Party Products/Services 

Certain services offered in connection with VetComm programs, including Nexus Letters  and Disability Benefits Questionnaires (DBQs), are provided exclusively by independent  third-party providers and not by VetComm. VetComm does not draft, review, approve,  control, or guarantee the content, accuracy, or acceptance of any such documents.  VetComm does not provide medical advice, practice medicine, or employ or supervise any  medical provider. No agency, partnership, joint venture, or employment relationship is  created between VetComm and any third-party provider.  

You understand that, except for information, products or services clearly identified as  being supplied by our website, our website does not operate, control or endorse any  information, products or services on the Internet in any way. Except for information identified by our website as such, all information, products, and services offered through  our website or on the Internet generally are offered by third parties that are not affiliated  with our website, and we may be compensated. 

Viruses, etc. 

You also understand that our VetComm.us website cannot and does not guarantee or  warrant that files available for downloading through our website will be free of infection or  viruses, worms, Trojan horses or other code that manifest contaminating or destructive  properties. You are responsible for implementing sufficient procedures and checkpoints to  meet your specific requirements for the accuracy of data input and output, and for  maintaining an external means to reconstruct any lost data. 

Assumption of Risk

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF OUR WEBSITE AND  THE INTERNET. OUR WEBSITE PROVIDES OUR WEBSITE AND RELATED INFORMATION “AS  IS” AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS  OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF  TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR  FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE PRODUCT OR SERVICE,  ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR  ON THE INTERNET GENERALLY, AND OUR WEBSITE SHALL NOT BE LIABLE FOR ANY COST  OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION.  IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND  USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER  INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY.  OUR WEBSITE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR  ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED. 

YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS  UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE  TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. OUR WEBSITE HAS NO  CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH  MATERIALS YOU MIGHT SOMEHOW ACCESS. 

Limitation of Liability 

The content may contain inaccuracies or typographical errors. Our VetComm.us website  makes no representations about the accuracy, reliability, completeness, or timeliness of  the content or about the results to be obtained from using our website or the content on it.  Use of our website and the content is at your own risk. Changes are periodically made to  our website, and may be made at any time. 

OUR WEBSITE DOES NOT WARRANT THAT OUR WEBSITE WILL OPERATE ERROR-FREE OR  THAT OUR WEBSITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER  HARMFUL GOODS OR CONDITIONS. IF YOUR USE OF OUR WEBSITE OR THE CONTENT  RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, OUR  WEBSITE IS NOT RESPONSIBLE FOR THOSE COSTS. 

Express Disclaimer of Consequential Damages 

IN NO EVENT WILL OUR WEBSITE, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED AT  OUR WEBSITE BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT OR  OTHER DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS,  BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) 

ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION,  OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE,  OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF OUR WEBSITE OR ITS  AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH  DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER  INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED  THROUGH THE SERVICE. 

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY  FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT  APPLY TO YOU. IN SUCH STATES, LIABILITY IS LIMITED TO THE GREATEST EXTENT  PERMITTED BY LAW, RESULTING IN THE SMALLEST DOLLAR AMOUNT PERMITTED FOR  THE AGGREGATE LIABILITY FOR BOTH OUR WEBSITE AND AFFILIATED PARTIES FOR A  CLAIM DERIVING FROM OR RELATED TO OUR WEBSITE. THIS IS IN PLACE OF ANY AND  ALL OTHER REMEDIES OTHERWISE AVAILABLE. 

Links to Other Websites. 

Our website contains links to third party Websites. Our VetComm.us website makes no  representations whatsoever about any other website which you may access through this  one or which may link to this website. When you access a website from our website, please  understand that it is independent from our website, and that our website has no control  over the content on that website. These links are provided solely as a convenience to you  and not as an endorsement by our website of the contents on such third-party Websites.  Our website is not responsible for the content of linked third-party Websites and does not  make any representations regarding the content or accuracy of material on such third party  Websites. If you decide to access linked third-party Websites, you do so at your own risk.  We do not necessarily endorse, recommend, suggest or otherwise make any overture or  prompt for action regarding any product or service offered. You should assume we are  compensated for any purchases you make. Again, any income claims should be construed  as atypical results and you assume the risk that inferior results obtain, including losses, for  which we carry no responsibility or liability. 

User Submissions 

As a user of our VetComm.us website, you are responsible for your own communications  and are responsible for the consequences of their posting. You must not do the following  things: post material that is copyrighted, unless you are the copyright owner or have the  permission of the copyright owner to post it; post material that reveals trade secrets,  unless you own them or have the permission of the owner; post material that infringes on 

any other intellectual property rights of others or on the privacy or publicity rights of others;  post material that is obscene, profane, defamatory, threatening, harassing, abusive,  hateful, or embarrassing to another user of our website or any other person or entity; post a  sexually-explicit image; post advertisements or solicitations of business; post chain letters  or pyramid schemes; or impersonate another person. 

Our website does not represent or guarantee the truthfulness, accuracy, or reliability of  any communications posted by other users of our website or endorse any opinions  expressed by users of our website. You acknowledge that any reliance on material posted  by other users of our website will be at your own risk. 

Our VetComm.us website does not necessarily screen communications in advance and is  not responsible for screening or monitoring material posted by users of our website. If  observed by our website and/or notified by a user of communications which allegedly do  not conform to this agreement, our website may investigate the allegation and determine  in good faith and its sole discretion whether to remove or request the removal of the  communication. Our website has no liability or responsibility to users of our website for  performance or nonperformance of such activities. Our website reserves the right to expel  users of our website and prevent their further access to our website for violating this  agreement or any law or regulation, and also reserves the right to remove communications  which are abusive, illegal, or disruptive. 

Social Media Warning (Divulgence of Personal & Private Information) 

Social media has provided a platform for internet users to disclose much personal  information about themselves, in a way that seems innocuous, if not proper and expected.  However, more than a few folks have already lived to regret personal information that was  shared either by them or others. This has long been true of simple email. It is exponentially  true of social websites and applications for social media on any other website, including  this one. You are cautioned against carelessly disclosing information. 

3. Indemnification. 

You agree to indemnify, defend and hold harmless our VetComm.us website, its members,  officers, directors, employees, agents, licensors, suppliers and any third party information  providers to our website from and against all losses, expenses, damages and costs,  including reasonable attorneys’ fees, resulting from any use of our website or violation of  this Agreement (including negligent or wrongful conduct) by you or any other person  accessing our website. 

4. Third Party Rights.

The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the  benefit of our website and its owners, officers, directors, employees, agents, licensors,  suppliers, and any third party information providers to the Service. Each of these  individuals or entities shall have the right to assert and enforce those provisions directly  against you on its/their own behalf. 

5. Term; Termination. 

We reserve the right to investigate complaints or reported violations of these Terms and  Conditions of Use and to take any action we deem appropriate, including but not limited to  reporting any suspected unlawful activity to law enforcement officials, regulators, or other  third parties and disclosing any data necessary or appropriate to such persons or entities  relating to your profile, email addresses, usage history, IP addresses and traffic data. 

This Agreement, in whole or in part, may be terminated by VetComm.us without notice at  any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea  Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights), 6 (Hiring an  Attorney / No Attorney-Client Relationship), and 7 (Miscellaneous) shall survive any  termination of this Agreement, in whole or in part. 

6. Hiring an Investment Advisor, Attorney, or Medical or Other Professional / No  Attorney-Client Relationship or Fiduciary Capacity. 

Choosing a lawyer, doctor, or investment advisor is a serious matter and should NOT be  based solely on data contained on our website or in advertisements. 

The law is constantly changing and the data may not be complete or accurate depending  on your particular legal issue. Each legal issue depends on its individual facts and different  jurisdictions have different laws and regulations. This is why you should seriously consider  hiring licensed, professional counsel in your jurisdiction. 

Medical issues are complex, and can often stem from both organic and psychological  factors. Never should a website be used as a source of diagnosing or treating medical  problems. 

Financial matters are highly individualistic. Risk tolerance is just one factor to consider  before making any investments or financial decisions. For these, and other, reasons, you  should look to the guidance of a trained professional, not a website. 

You may send us email, but in no instance will this communication in any way be  construed as initiating an attorney-client relationship, or other professional relationship,  and so the contact should not include confidential or sensitive data because your  communication will not be treated as privileged or confidential.

7. Miscellaneous. 

Governing Law 

Except as otherwise provided below, this Agreement shall be treated as though executed,  set in force, and performed in the State of California. Accordingly, it shall be governed by  and construed in accordance with the laws of California, including those applicable to  agreements, without regard to conflict-of-laws principles. 

This Governing Law provision is intended to align with and not undermine the dispute  resolution provisions set forth below. 

Disputes 

All actions shall be subject to the limitations set forth in these Terms and Conditions of  Use. Any legal claim arising out of or relating to these Terms and Conditions of Use or our  website, excluding intellectual property right infringement and other claims by us, shall be  settled confidentially through mandatory binding arbitration per the American Arbitration  Association (“AAA”) commercial arbitration rules, and governed by the Federal Arbitration  Act (“FAA”). To the extent there is any inconsistency between the AAA rules, state law  (including the California Arbitration Act), and the FAA, the FAA shall control. The arbitrator  shall be bound to apply and enforce the FAA’s substantive and procedural standards in all  respects. The arbitrator shall have the power to rule on the existence, scope, or validity of  the Arbitration Agreement, and shall have full authority to grant any relief available in court  under applicable law, including injunctive and equitable relief, but shall not expand the  parties’ substantive rights beyond the law. The arbitration shall be conducted in California.  Each party shall bear one-half of the arbitration fees and costs incurred, and each party  shall bear its own lawyer fees. All claims shall be arbitrated on an individual basis and shall  not be consolidated in any arbitration with any claim or controversy of any other party. 

Arbitration Agreement 

Except as otherwise provided for in this Agreement, these terms and conditions, including  this Arbitration Agreement, constitute a legally binding agreement between you and  VetComm and shall be construed in accordance with the laws of the State of California. By  agreeing to this Arbitration Agreement, you agree that you are required to resolve any claim  you may have against VetComm on an individual basis in binding arbitration as set forth  herein and not as a class, collective, coordinated, or consolidated and/or representative  action. In choosing binding arbitration, you and VetComm opt for a private dispute 

resolution procedure where you agree to accept the arbitrator’s decision as final instead of  going to court. You and VetComm are each waiving your right to a jury trial. 

Covered Disputes 

Any controversy or claim relating to or arising out of your use of VetComm’s Website,  products or services, or any claim or controversy arising under VetComm’s Terms and  Conditions, including any dispute concerning the arbitrability of an issue, shall be  submitted to binding arbitration in the City of Encinitas before a panel of three neutral  arbitrators (collectively, the “Arbitrators” and, individually, an “Arbitrator”) selected as  hereinafter provided. Within (30) days after the date of this Agreement, the Parties  shall jointly select a presiding Arbitrator (the “Presiding Arbitrator”) and an alternate  Presiding Arbitrator. If within such thirty (30) day period the Parties are unable to make  either or both selections, either Party may apply to the Superior Court of the State of  California, County of San Diego (“San Diego Superior Court”) for such appointments.  Within fifteen (15) days following the date of a Party’s notice to the other Party that it  wishes to arbitrate a controversy or claim (the “Arbitration Notice”), the Presiding  Arbitrator shall select two additional Arbitrators (who are neutral, impartial and  independent of the Parties within the meaning of the Rules (as defined below)). In  conducting such arbitration, the Parties and the Arbitrators shall follow the  Commercial Rules of the American Arbitration Association (“AAA”) that is in effect (the  “Rules”), as modified by this Agreement, and governed exclusively by the FAA. To the  extent there is any inconsistency between the AAA rules, state law (including the California  Arbitration Act), and the FAA, the FAA shall control. The arbitrator shall be bound to apply  and enforce the FAA’s substantive and procedural standards in all respects. To the extent  that the FAA does not preempt state law, the Arbitrators shall apply California substantive  law and shall allow reasonable discovery. In the event any legal action or proceeding  occurs that is in any manner related to or pertaining to this agreement, the party who  substantially prevails shall be entitled to receive reasonable costs of such action or  proceeding, including attorney’s fees. Notwithstanding the above, each party shall bear  one-half of the costs and fees to initiate the arbitration proceeding. 

Disputes arising solely from third-party services, including Nexus Letters and DBQs, must  be pursued directly against the third-party provider, not against VetComm.  

Class Action Waiver 

The parties expressly waive the right to have any dispute, claim, or controversy brought,  heard, administered, resolved, or arbitrated as a class, collective, coordinated, and/or  representative action. Neither an arbitrator nor an arbitration provider shall have any 

authority to hear, arbitrate, or administer any class, collective, coordinated, consolidated,  or representative action or to award relief to anyone but the individual in arbitration. The  parties also expressly waive the right to seek, recover, or obtain any non-individual relief.  Notwithstanding anything else in this Agreement, this class action waiver does not prevent  you or VetComm from participating in a classwide, collective, and/or representative  settlement of claims. 

The parties further agree that if, for any reason, a claim does not proceed in arbitration, this  class action waiver shall remain in effect, and a court may not preside over any action  joining, coordinating, or consolidating the claims of multiple individuals against VetComm  in a single proceeding, except that this class action waiver shall not prevent you or  VetComm from participating in a classwide, collective, and/or representative settlement of  claims 

Modification 

Neither the course of conduct between the parties nor industry trade practice shall act to  modify any provision of this Agreement. 

Assignability 

Our website may assign its rights and duties under this Agreement to any party at any time  without notice to you. 

Contra Preferentum 

The language in these Terms and Conditions of Use shall be interpreted as to its fair  meaning and not strictly for or against any party. Any rule of construction to the effect that  ambiguities are to be resolved against the drafting party (i.e. – “contra preferentum”) shall  not apply in interpreting these Terms and Conditions of Use, as the Agreement shall be  construed as having been co-authored by the parties. 

Severability 

Should any part of these Terms and Conditions of Use be held invalid or unenforceable,  that portion shall be construed as much as possible consistent with applicable law and  severability shall apply to the remaining portions, so that they remain in full force and  effect. 

This Agreement Prevails 

To the extent that anything in or associated with our website is in conflict or inconsistent  with these Terms and Conditions of Use, these Terms and Conditions of Use shall take  precedence.

All limitations, disclaimers, arbitration provisions, and liability caps shall survive  termination. 

Waiver 

Our failure to enforce any provision of these Terms and Conditions of Use shall not be  deemed a waiver of the provision nor of the right to enforce the provision. 

Our rights under these Terms and Conditions of Use shall survive any termination of this  agreement. 

Any rights not expressly granted herein are reserved to VetComm.us. 

CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents  of this page can and will change over time. Accordingly, this page could read differently as  of your very next visit. These changes are necessitated, and carried out by VetComm.us, in order to protect you and our VetComm.us website. If this page is important to you, you  should check back frequently as no other notice of changed content will be provided either  before or after the change takes effect. 

COPYRIGHT WARNING: The legal notices and administrative pages on this website,  including this one, have been diligently drafted by an attorney. We at VetComm.us have  paid to license the use of these legal notices and administrative pages on VetComm.us for  your protection and ours. This material may not be used in any way for any reason and  unauthorized use is policed via Copyscape to detect violators. 

QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of  this page, or simply wish to reach us for any other reason, you may do so by emailing us  at: [email protected]