Terms of Service
Effective date: July 25, 2026 Last reviewed: July 25, 2026
These Terms of Service ("Terms") govern your use of benefitsreports.com and its Services, operated by Benefits Reports ("we," "us," "our"). By using the Site, you agree to these Terms, our Privacy Policy, Disclaimer, and Disclosures. If you do not agree, do not use the Site.
1. What we provide
We provide educational information and an automated Benefits Strategy Report based on the information you submit. We are not the VA or SSA, not a law firm, not a medical provider, and not a claims representative. See the Disclaimer for the full scope and limits of the Services.
2. Eligibility
You must be at least 18 years old and able to form a binding contract to use the Services.
3. Your responsibilities
- Provide accurate information. Your report depends on it.
- Use the Services for your own personal, lawful purposes.
- Do not misuse the Site: no scraping, reverse engineering, interfering with security, uploading malicious code, or using the Services to harass others or violate any law.
- You are responsible for your own claim, your submissions to the VA or SSA, and meeting all deadlines.
4. No professional relationship; no guarantee
Using the Services does not create an attorney-client, agent, or medical relationship. We do not guarantee any claim outcome, rating, approval, or benefit amount. Any professional we connect you with is independent and responsible for their own services.
5. Intellectual property
The Site, its content, design, and the report format are owned by Benefits Reports or our licensors and are protected by law. We grant you a limited, personal, non-transferable license to use the Site and your own report. You may not resell, republish, or commercially exploit our content without permission. Your report is for your personal use.
6. Your content
You retain ownership of the information and free-text you submit. You grant us a license to use it to provide the Services (including generating your report and, with your consent, matching you with a partner). You represent that you have the right to share what you submit.
7. Third-party services and referrals
We may connect you with independent third-party professionals and may earn compensation for referrals, as described in our Disclosures. We do not control and are not responsible for third parties or their services. Any agreement you make with them is solely between you and them.
8. Disclaimers of warranties
The Services are provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or that information is complete or current.
9. Limitation of liability
To the fullest extent permitted by law, Benefits Reports and its owners, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost benefits, denied or delayed claims, or lost data, arising from your use of the Services. Our total liability for any claim will not exceed one hundred U.S. dollars ($100).
10. Indemnification
You agree to indemnify and hold harmless Benefits Reports from claims, damages, and expenses arising out of your misuse of the Services or violation of these Terms.
11. Termination
We may suspend or terminate access to the Services at any time, for any reason, including violation of these Terms.
12. Governing law and disputes
These Terms are governed by the laws of the State of [STATE], without regard to conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located in [STATE], unless otherwise required by law. [Optional: arbitration / class-action-waiver clause to be added on counsel's advice.]
13. Changes
We may update these Terms. Continued use after changes means you accept the updated Terms.
14. Contact
Benefits Reports · [CONTACT EMAIL] · [MAILING ADDRESS]
See also our Disclaimer, Privacy Policy, and Disclosures.