1. Acceptance of Terms

By accessing and using the VA Claims Coach application ("App"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you may not use the App. Your continued use of the App constitutes your acceptance of any modifications we make to these Terms.

2. Service Description

VA Claims Coach is a mobile application designed to provide educational information and organizational tools to help U.S. military veterans and service members navigate the VA disability benefits claim process. The App offers:

• Informational guides and checklists for disability claims
• Personal statement generation assistance
• Compensation & Pension (C&P) exam preparation resources
• Symptom tracking and analytics tools
• Connection to official VA resources and databases

3. User Eligibility

You must be at least 18 years of age to use this App. By using the App, you represent and warrant that:

• You are at least 18 years old
• You are a U.S. military veteran, service member, or authorized family member assisting a veteran
• You have the legal authority to accept these Terms
• You will use the App only for lawful purposes

4. Account Registration and Security

If you create an account, you agree to:

• Provide accurate, truthful information
• Maintain the confidentiality of your account credentials
• Update your information to keep it current and accurate
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized account access

5. Intellectual Property Rights

All content in the App, including text, graphics, logos, images, educational materials, and software, is the exclusive property of King-Chi Ltd and protected by international intellectual property laws. You are granted a limited, personal, non-commercial license to use the App for your own benefit only.

You may not:

• Reproduce, modify, or distribute App content without permission
• Reverse engineer or decompile the App
• Attempt to gain unauthorized access to the App
• Use the App for commercial purposes

6. Disclaimers

6.1 Not Legal Advice

6.2 Not Medical Advice

6.3 Not Financial Advice

6.4 Accuracy and Completeness

While we strive to provide accurate information, King-Chi Ltd makes no guarantee that all information is current, complete, or error-free. VA regulations and procedures are subject to change without notice. Users are responsible for verifying all information with official VA sources.

7. User Conduct

You agree not to use the App to:

• Violate any applicable laws or regulations
• Engage in harassment, abuse, or threatening behavior
• Attempt unauthorized access to the App or its systems
• Transmit viruses, malware, or harmful code
• Interfere with the App's functioning or security
• Impersonate others or misrepresent your identity
• Infringe on intellectual property or privacy rights
• Use the App for fraudulent or illegal purposes

8. Limitation of Liability

9. Disclaimer of Warranties

10. Indemnification

You agree to indemnify, defend, and hold harmless King-Chi Ltd, its officers, directors, employees, and agents from any claims, damages, losses, and expenses (including attorney's fees) arising from:

• Your use of the App
• Violation of these Terms
• Violation of any applicable law or regulation
• Infringement of third-party rights

11. Third-Party Links and Services

The App may contain links to official VA resources and other third-party websites. King-Chi Ltd is not responsible for the content, accuracy, or practices of external websites. Your access to third-party sites is subject to their respective terms. We do not endorse third-party products or services.

12. Modifications to Terms

King-Chi Ltd may modify these Terms at any time. Changes become effective immediately upon posting. Your continued use of the App constitutes acceptance of updated Terms.

13. Termination of Service

King-Chi Ltd reserves the right to suspend or terminate your access to the App at any time, with or without cause, and with or without notice, including for violations of these Terms or conduct deemed harmful to other users or the App.

14. Data Privacy

Your use of the App is governed by our Privacy Policy, which is incorporated herein by reference. Please review the Privacy Policy to understand our data collection, use, and protection practices. The App implements industry-standard security measures; however, no online platform is completely secure.

15. Dispute Resolution

These Terms and your use of the App shall be governed by and construed in accordance with applicable law. Any legal action or proceeding shall be brought exclusively in the appropriate courts. You consent to the jurisdiction and venue of such courts.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and King-Chi Ltd regarding your use of the App and supersede all prior communications and agreements.

17. Severability

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

18. General Provisions

You may not assign these Terms without our written consent. King-Chi Ltd may assign these Terms without restriction. These Terms constitute the entire agreement between you and King-Chi Ltd regarding the App.