These Terms govern the services provided by Vet Claim Prep LLC, an Illinois limited liability company ("Vet Claim Prep," "we," "us"), to individuals who purchase our services ("you," "your," "client"). By purchasing, you agree to these Terms.
Contents
1. Who we are, and what we are not
We are not accredited by the U.S. Department of Veterans Affairs. Vet Claim Prep is not an accredited attorney, claims agent, or veterans service organization representative, and is not a law firm. No attorney-client relationship is created.
We are not affiliated with, endorsed by, or connected to the VA or any government agency.
Free assistance is available. VA-accredited Veterans Service Organizations — including the VFW, DAV, American Legion, and state and county Veterans Service Officers — provide claims assistance at no cost. A directory is available at va.gov/ogc/accreditation. We tell every prospective client this before payment, whether or not they hire us.
You file your own claim. We do not submit claims, do not communicate with the VA on your behalf, do not accept or use access to your VA.gov account, and do not represent you in any VA proceeding.
We charge a flat fee. We take no percentage of your back pay, monthly compensation, or any other VA benefit, and we never require assignment of any portion of your benefits.
2. What we provide
Vet Claim Prep provides education, strategy, and document-preparation services to veterans who are preparing their own VA disability compensation claims. Specifically:
- a Claim Strategy Plan identifying the conditions to claim, applicable diagnostic codes, and the evidence each one requires under 38 C.F.R. Part 4;
- records guidance — instruction and checklists for obtaining service treatment records, private medical records, and VA records;
- document preparation — drafts of personal statements, lay and buddy statement templates, and claim organization materials, prepared from information you provide and presented to you for review and signature;
- C&P examination preparation — education on what the examiner evaluates and how to describe your symptoms accurately and completely;
- filing instruction — step-by-step guidance so that you can submit the claim yourself;
- a designated case manager and reasonable responsiveness to your questions during the engagement.
We do not: submit filings to the VA; represent you before the VA or any court; provide legal, medical, or tax advice; guarantee, expedite, or influence VA processing times; or make any medical diagnosis.
Delivery. We deliver the completed claim package within fourteen (14) business days of receiving the information and records we request from you.
Claim Blueprint (limited, do-it-yourself service)
If you purchase the Claim Blueprint instead of the full service, you receive only: (a) one Game Plan Call with a case manager; (b) a written Claim Strategy Plan, condition by condition, identifying what to claim, how to describe it, and the evidence each condition requires; (c) drafts of your personal statement(s), prepared from the information you give on that call and presented to you for review; and (d) C&P examination preparation materials. We deliver items (b) through (d) within seven (7) business days after your Game Plan Call.
You gather your own records, assemble your own claim, and submit it yourself. The Claim Blueprint does not include records requests or records gathering, requesting or coordinating medical opinions, assembly of a claim package, the fourteen-business-day package delivery above, ongoing case-manager support after delivery, or any help with an appeal.
3. Fees and payment
Price. $3,000, paid in full. This is the entire fee for the services described in Section 2.
Claim Blueprint. $497, paid in full. This is the entire fee for the limited services described under “Claim Blueprint” in Section 2. Upgrade: within sixty (60) days of purchase you may upgrade to the full service by paying the difference between what you paid and the full-service fee.
Financing. At checkout you may choose to pay the fee over time through ClarityPay (“Flexible monthly payments”), a payment option offered through our payment processor, Whop. Loans are made by DR Bank, member FDIC; ClarityPay handles the application and servicing. Vet Claim Prep is not the lender and does not set, quote, or control any credit terms. Whether you qualify, which program you are offered, and your interest rate (if any), term, and payment schedule are decided by the lender and shown to you in the loan agreement before you sign it, and your loan is owed to the lender, not to us. Checking your eligibility uses a soft credit inquiry; a hard inquiry occurs only if you accept an offer and e-sign the loan agreement. Pre-qualification is not approval. The price of our service is the same whether you pay in full or finance. ClarityPay is available to individual applicants in the United States and Puerto Rico and is not available in Massachusetts. Questions about an application, a decision, or your loan go to ClarityPay: 1-800-272-6100 or support@claritypay.com.
Payment processing. Payments are processed by Whop, Inc., our payment processor and merchant of record. Your card or bank statement will show the charge as WHOP* VETCLAIMPREP. We tell you that before you pay, so an unfamiliar line on your statement is never the first you hear of it.
Nature of the fee. The fee is a flat charge for the services described in Section 2. It is not contingent on any VA outcome and is not measured by any percentage of benefits.
4. Refund and cancellation policy
4.1 Cancellation — full refund within 14 days
You may cancel for any reason within fourteen (14) calendar days of purchase and receive a full refund, provided your Game Plan Call has not yet taken place.
Once the Game Plan Call is complete, the cancellation right in this section ends — that call is where the substance of the work is delivered. The performance guarantee in Section 4.2 still applies, so you are not left without recourse.
To cancel, email support@vetclaimprep.com. No reason is required. Refunds under this section are issued to your original payment method within ten (10) business days of your notice.
4.2 Performance guarantee — full refund if it doesn't work
If you meet the client responsibilities in Section 5 and your claim does not produce a qualifying outcome by the end of the guarantee period, we refund 100% of what you paid us.
A qualifying outcome means any one of the following, resulting from a condition we worked on with you:
- an increase in your combined VA disability rating above the combined rating in effect on the date of your purchase; or
- a grant of service connection at a compensable evaluation of 10% or higher for a claimed condition that was not service-connected before; or
- an increase in the individual evaluation of any claimed condition — even if your combined rating does not change, because of how VA combined-ratings math works under 38 C.F.R. § 4.25.
A grant of service connection at 0% (non-compensable) does not count as a qualifying outcome. If the VA connects a condition but pays you nothing more for it, the guarantee still applies to you.
The VA's written decision is the sole evidence of whether a qualifying outcome occurred. We do not substitute our judgment for the VA's.
Appeal included. If the first decision does not produce a qualifying outcome, we prepare one round of appeal support at no additional charge — a Supplemental Claim or Higher-Level Review package for you to file. You file the appeal; we do not represent you in it.
Guarantee period. The guarantee period begins on the date you file and ends on the earlier of (i) the decision on that appeal, or (ii) thirty-six (36) months after you file. The obligation is bounded in time so that you are not waiting indefinitely for a refund right to ripen.
4.3 How to request a refund
Email support@vetclaimprep.com with a copy of your final VA decision. We respond within ten (10) business days, and if the request qualifies we issue the refund to your original payment method within thirty (30) days of approval.
4.4 What the guarantee does not cover
The performance guarantee does not apply where:
Filing and the claim itself
- you do not file within sixty (60) days of our delivering your package;
- you withdraw the claim or the claimed conditions;
- you file for conditions other than the ones we worked on, and the decision addresses only those other conditions;
The Game Plan Call and your C&P exam
- you do not attend your scheduled Game Plan Call, or you miss it without giving us twenty-four (24) hours' notice and rescheduling within seventy-two (72) hours;
- you do not tell us within forty-eight (48) hours of scheduling your C&P examination, so that we can prepare you for it;
- you do not tell us within twenty-four (24) hours after attending your C&P examination, while your recollection of it is still fresh;
- you miss a scheduled C&P examination without rescheduling it with the VA;
- you do not use the C&P preparation materials we provide;
The appeal
- you do not give us at least one reasonable opportunity to prepare the appeal support described in Section 4.2 before requesting a refund;
Honesty and cooperation
- you provided false or materially incomplete information;
- your rating is reduced or your benefits are affected for reasons unrelated to the claimed conditions — including incarceration, fugitive-felon status, severance, or a fraud finding;
- you decline to provide the decision document we need in order to evaluate the request.
Why the deadlines exist. The items above about the Game Plan Call, the C&P exam, and the appeal are the steps that actually determine whether a claim succeeds. The C&P examination in particular is usually the single most important event in the process, and we cannot prepare you for one we do not know about. These are not traps — we remind you of each deadline in writing, and we will not deny a guarantee request over a missed notification where you kept us reasonably informed.
If a client dies, any refund right that has accrued passes to the client's estate.
4.5 Claim Blueprint
The performance guarantee in Section 4.2 does not apply to the Claim Blueprint, because you assemble and file the claim yourself. You may cancel for a full refund within fourteen (14) calendar days of purchase if your Game Plan Call has not yet taken place. And if we do not deliver the Game Plan Call and the written materials described in Section 2 within thirty (30) days of purchase, for reasons within our control, you receive a full refund on request. If you upgrade to the full service, the full-service terms, including Section 4.2, apply from the date of the upgrade.
4.6 Financed purchases
If you financed the fee, we refund the amount we actually received. Interest and lender fees are between you and the lender and are not refundable by us. We say this out loud before you purchase as well as here.
4.7 Before you dispute a charge
If something is wrong, please email support@vetclaimprep.com before contacting your bank or card issuer, so we can issue a qualifying refund directly and promptly. Nothing in this paragraph waives any right you hold under card-network rules or applicable law.
5. Your responsibilities
To keep the guarantee in Section 4.2 available, you agree to:
- give us complete and truthful information — submitting false statements to the VA is a federal crime under 18 U.S.C. § 1001, and we end the engagement immediately on learning of any intentional misstatement;
- attend your Game Plan Call, or give us twenty-four (24) hours' notice and reschedule within seventy-two (72) hours;
- file the claim within sixty (60) days of our delivering your completed package;
- tell us within forty-eight (48) hours of scheduling your C&P examination, so that we can prepare you for it;
- attend all scheduled C&P examinations, or reschedule them with the VA;
- tell us within twenty-four (24) hours after attending your C&P examination, while your recollection is still fresh;
- use the C&P preparation materials we provide;
- notify us within thirty (30) days of receiving any VA correspondence or decision about your claimed conditions;
- let us prepare the appeal described in Section 4.2 before requesting a refund, if the first decision is unfavorable;
- tell us in writing before retaining another paid representative for the same conditions during the guarantee period;
- provide a copy of any VA decision we need in order to evaluate a guarantee request.
We remind you of each of these in writing as it comes up. None of them asks you to do anything you would not already be doing to win your claim.
6. Privacy and health information
We collect service history, medical conditions, and treatment records for the sole purpose of performing the services.
We are not a HIPAA covered entity, but we handle health information under an internal standard: access limited to assigned personnel, no health details in team chat, case identifiers used in place of names, and no sale or rental of client data to any third party, ever.
We contact your medical providers only where you designate them in writing, and only to obtain records for your claimed conditions.
Records are retained for seven (7) years and then destroyed.
7. Communications
By providing your phone number and email and clicking Check for availability on our quiz, you consent to receive calls, emails and text messages from us about your inquiry and the services (see below). Consent is not a condition of purchase.
Text messaging (SMS) program
- Program name: Vet Claim Prep Consultations & Claim Updates.
- What you'll receive: texts about your inquiry from Vet Claim Prep LLC — consultation confirmations and reminders, follow-up if we miss each other, and, if you become a client, updates and next steps on your claim.
- How you opt in: by clicking Check for availability on the last step of our quiz, directly under which this program, its frequency, rates, STOP and HELP are disclosed; by checking the text-message box on our booking form (it is never pre-checked); or by agreeing verbally on a call.
- Frequency: message frequency varies — usually a few messages around your consultation.
- Cost: message and data rates may apply.
- Opt out: reply STOP to any message to stop receiving texts. Reply START to resume.
- Help: reply HELP, email support@vetclaimprep.com, or call (708) 571-6022.
- Carriers are not liable for delayed or undelivered messages.
- Privacy: no mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy.
8. Limitation of liability
Except for the refund obligation in Section 4, our total liability arising out of these Terms will not exceed the fee you actually paid.
We are not liable for indirect, incidental, consequential, or punitive damages, or for lost benefits, lost back pay, or delay in VA processing.
Nothing here limits liability for fraud, willful misconduct, or any liability that cannot be limited under applicable law.
9. Disputes
Any dispute arising out of or relating to these Terms or the services will be resolved by binding individual arbitration in the State of Illinois before a single arbitrator, under the Federal Arbitration Act.
Small-claims carve-out. Either party may instead bring an individual claim in small-claims court where it qualifies for that court's jurisdiction.
Individual basis only. Claims are brought and resolved only on an individual basis. No class, collective, or representative actions. If this waiver is held unenforceable as to a particular claim, that claim proceeds in court and this arbitration provision does not apply to it.
10. Where we can serve you
We do not accept clients residing in states where our services or fee structure are prohibited or restricted. As of the effective date above, we do not sell in:
Illinois · New Jersey · New York · Maine · California
This restriction is enforced in our software at intake. We may add states to this list at any time. Where a state requires a longer cancellation window or specific contract language than these Terms provide, the state rule controls and we honor it.
11. Changes to these Terms
We may update these Terms. The version in effect on the date of your purchase governs your engagement. Material changes are posted on this page with an updated effective date.
12. Governing law
Illinois, without regard to conflict-of-laws principles.