Privacy Policy, Terms of Service, and HIPAA Notice

Privacy Policy

Effective date: July 3, 2026

Veterans Benefits Unlock ("VBU," "we," "us," or "our") respects the privacy of veterans, family members, representatives, and website visitors. This Privacy Policy explains what information we collect, how we use it, when we share it, and the choices you may have.

Information We Collect

We may collect information you provide directly, information generated through your use of our website, and information we receive with your permission or at your direction.

• Contact information: name, phone number, email address, mailing address, preferred contact method, and appointment details.
• Claim and consultation information: branch of service, service dates, claimed conditions, VA rating information, claim history, denial history, and the reason you are seeking help.
• Medical and health information: medical records, service treatment records, VA records, private provider records, disability evidence, personal statements, and related health information you submit or authorize us to review.
• Payment and transaction information: billing contact information, payment status, invoices, and related records. Payment card information may be handled by a payment processor rather than stored by us.
• Website and device information: IP address, browser type, device information, pages visited, referring pages, form interactions, cookies, and analytics data.
• Communications: calls, texts, emails, forms, uploads, and notes related to your consultation or service request.

How We Use Information

We use information to respond to inquiries, evaluate whether our services may be appropriate, coordinate record review, connect you with qualified medical providers when applicable, support preparation of medical opinions or nexus letters, schedule appointments, process payments, provide customer support, improve the website, prevent fraud, comply with law, and protect the rights and safety of our clients, providers, and business.

How We Share Information

We do not sell personal medical information. We may share information only as needed for the purposes described in this policy, including with:

• licensed medical providers, specialists, reviewers, or clinical support professionals involved in evaluating or preparing a medical opinion;
• service providers who help with secure records intake, hosting, communications, scheduling, billing, analytics, document management, or customer support;
• payment processors and financial institutions for billing and fraud prevention;
• legal, compliance, security, or professional advisors;
• government agencies, courts, regulators, or other parties when required or permitted by law;
• another company in connection with a merger, acquisition, financing, reorganization, or sale of assets, subject to appropriate confidentiality protections; and
• other people or organizations when you authorize us or direct us to share information.

Cookies and Analytics

Our website may use cookies, pixels, analytics tools, and similar technologies to understand website performance, improve user experience, remember preferences, and measure marketing effectiveness. You can adjust browser settings to block or delete cookies, but some site features may not work as intended.

Security

We use administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, disclosure, alteration, or destruction. No website, email system, text message, upload tool, or storage method is perfectly secure, so we cannot guarantee absolute security.

Retention

We keep information for as long as reasonably necessary to provide services, maintain records, comply with legal and professional obligations, resolve disputes, enforce agreements, and support legitimate business needs. Retention periods may vary depending on the type of record and applicable law.

Your Choices and Rights

Depending on where you live and the type of information involved, you may have the right to request access, correction, deletion, restriction, portability, or information about certain disclosures. Some health information rights are described in the HIPAA Notice below. To make a privacy request, contact us using the information at the end of this page.

California Privacy Notice

If California privacy laws apply, California residents may request information about categories of personal information collected, sources of information, purposes of use, categories of third parties to whom information is disclosed, and certain rights to access, delete, correct, or limit use of sensitive personal information. We do not sell personal information in the ordinary meaning of selling client records for money.

Children's Privacy

Our services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13 through this website.

Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new effective date. Continued use of the website or services after an update means the revised policy applies going forward.

Terms of Service

Effective date: July 3, 2026

These Terms of Service ("Terms") govern your use of Veterans Benefits Unlock website, consultation process, and related services. By using this website or requesting services, you agree to these Terms.

Our Services

Veterans Benefits Unlock is a private service that helps veterans understand nexus letter needs, collect relevant information, and, when appropriate, connect with licensed medical providers who may review records and prepare independent medical opinions or nexus letters for VA disability claims.

We are not affiliated with the U.S. Department of Veterans Affairs, any government agency, or any veterans service organization. A nexus letter is a medical opinion. It does not guarantee claim approval, a particular rating, back pay, or any other VA outcome.

No Medical Emergency, Legal Representation, or VA Representation

This website is not for emergencies, urgent medical issues, crisis care, diagnosis, or treatment. If you are experiencing a medical emergency, call 911 or go to the nearest emergency room. If you are in crisis, contact the Veterans Crisis Line by dialing 988 and pressing 1.

Information on this website is for general educational purposes. It is not legal advice, medical treatment, or a substitute for advice from your own attorney, accredited representative, physician, or qualified professional. Unless a separate written agreement says otherwise, we do not act as your attorney, accredited VA claims agent, or VA representative.

Your Responsibilities

You agree to provide accurate, complete, and truthful information; submit records you have authority to share; update us if important facts change; review documents carefully; and use our website and services only for lawful purposes. You are responsible for your VA filings, deadlines, forms, claim strategy, and decisions unless a separate written agreement with a qualified professional says otherwise.

Provider Review and Medical Opinions

Medical providers use independent professional judgment. A provider may decline to write a letter if the records do not support a medical opinion, if more information is needed, or if the request is outside the provider's scope. We do not control the VA's decision and cannot promise that a provider will reach a particular conclusion.

Fees, Payments, and Refunds

Fees, payment timing, included services, refund terms, and cancellation terms will be disclosed before paid services begin or in a separate written agreement. If a separate written agreement conflicts with this section, the separate written agreement controls.

Website Content and Intellectual Property

All website content, branding, design, text, graphics, guides, and materials are owned by Veterans Benefits Unlock or used with permission. You may view and print website materials for personal, noncommercial use. You may not copy, resell, scrape, reproduce, modify, distribute, or create derivative works from our content without written permission.

Prohibited Uses

You may not use the website or services to submit false records, impersonate another person, interfere with site security, upload malicious code, scrape data, violate laws, infringe rights, harass staff or providers, or attempt to obtain unauthorized access to systems or information.

Third-Party Links

The website may link to VA resources, government forms, maps, payment processors, or other third-party websites. These links are provided for convenience. We do not control third-party websites and are not responsible for their content, availability, privacy practices, or accuracy.

Disclaimers

The website and services are provided "as is" and "as available" to the fullest extent permitted by law. We disclaim warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, and error-free operation. We do not warrant that website content is complete, current, or applicable to every veteran's circumstances.

Limitation of Liability

To the fullest extent permitted by law, Veterans Benefits Unlock and its owners, employees, contractors, providers, and service partners will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost benefits, lost profits, lost data, or VA claim outcomes arising from use of the website or services.

Indemnification

You agree to indemnify and hold harmless Veterans Benefits Unlock from claims, damages, liabilities, costs, and expenses arising from your misuse of the website or services, your violation of these Terms, your violation of law, or information you submit that is false, unauthorized, or infringing.

Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law rules. Any dispute that cannot be resolved informally will be handled in the state or federal courts located in California, unless applicable law requires another venue.

Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a new effective date. Continued use of the website or services after changes are posted means you accept the updated Terms.

HIPAA Notice of Privacy Practices

Effective date: July 3, 2026

This Notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.

Veterans Benefits Unlock may receive, create, maintain, or transmit health information when helping coordinate medical record review, provider evaluation, nexus letters, independent medical opinions, or related services. To the extent we act as a covered entity, business associate, subcontractor, or other party handling protected health information ("PHI"), we follow the HIPAA obligations that apply to our role and our agreements with providers and service partners.

How We May Use and Disclose Health Information

• Treatment and professional review: We may use or disclose PHI to help licensed providers review records, evaluate claimed conditions, request additional information, communicate about medical history, or prepare a medical opinion.
• Payment: We may use or disclose PHI as needed to process payments, invoices, refunds, charge disputes, or related billing activity.
• Health care operations and service administration: We may use or disclose PHI for quality review, credentialing support, secure document management, training, compliance, auditing, customer support, and business administration.
• VA claim support at your direction: We may use or disclose PHI to prepare, provide, or transmit documents related to a VA disability claim when you ask us to do so or authorize us to do so.
• Business associates and service providers: We may share PHI with vendors or partners who perform services for us and agree to protect the information as required by law or contract.
• Required or permitted by law: We may disclose PHI when required or permitted by law, including for public health, health oversight, judicial or administrative proceedings, law enforcement, preventing serious threats, workers' compensation, national security, or other legally recognized purposes.
• With your written authorization: Uses or disclosures not otherwise allowed by HIPAA or applicable law will be made only with your written authorization. You may revoke an authorization in writing, except to the extent we have already relied on it.

Uses That Require Authorization

We will not sell PHI or use PHI for marketing in a way that requires authorization under HIPAA unless you give written authorization. If we receive specially protected records, such as certain substance-use-disorder records, mental health records, HIV-related records, or other records subject to additional protections, we will handle them according to applicable law and any required consent or redisclosure restrictions.

Your HIPAA Rights

Depending on our role and the records involved, you may have the right to:

• request access to inspect or obtain a copy of certain health information maintained about you;
• request correction or amendment of information you believe is incomplete or inaccurate;
• request an accounting of certain disclosures of your PHI;
• request restrictions on certain uses or disclosures, although we may not be required to agree to every requested restriction;
• request confidential communications by a specific method or at a specific address;
• receive a paper copy of this Notice upon request; and
• file a complaint if you believe your privacy rights have been violated.

Our Duties

We are required to maintain the privacy and security of PHI as required by applicable law, provide notice of our legal duties and privacy practices, follow the terms of the notice currently in effect, and notify affected individuals if a breach of unsecured PHI occurs when legally required.

Complaints

You may complain to us using the contact information below. You may also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights. We will not retaliate against you for filing a complaint.

Changes to This Notice

We may change this Notice and make the revised Notice apply to health information we already have as well as information we receive in the future. The current Notice will be posted on this page with its effective date.