Terms of Service

1. Acceptance of Terms

By accessing and using CombinedRating.com (the "Site"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use this Site.

2. Description of Service

CombinedRating.com provides educational tools and resources related to VA disability benefits, including:

• VA combined disability rating calculator
• Evidence checklist generator
• Lay statement writing assistance
• Timeline creation tools
• Condition-specific guidance

3. Educational Purpose Only

This Site is for educational and informational purposes only. The information provided:

• Does NOT constitute legal advice
• Does NOT constitute medical advice
• Does NOT guarantee any specific outcome with the VA
• Should NOT be relied upon as the sole source for VA claim decisions
• Is NOT a substitute for professional legal or medical counsel

4. No Affiliation with VA

CombinedRating.com is an independent website and is NOT affiliated with, endorsed by, or connected to the U.S. Department of Veterans Affairs, the Department of Defense, or any other government agency. The VA's official website is VA.gov.

5. Accuracy of Information

We strive to provide accurate and up-to-date information based on publicly available VA regulations and guidelines. However:

• VA policies and compensation rates change regularly
• Individual cases may vary significantly
• We make no warranties about the completeness, reliability, or accuracy of information
• Calculations are estimates based on standard formulas and may not reflect your actual VA rating

Always verify information with official VA sources or qualified professionals.

6. User Responsibilities

By using this Site, you agree to:

• Use the Site for lawful purposes only
• Not attempt to disrupt or compromise the Site's security or functionality
• Not scrape, copy, or redistribute Site content without permission
• Not use the Site to provide services to others for compensation
• Verify all information with official sources before making important decisions

7. Intellectual Property

All content on CombinedRating.com, including text, graphics, logos, code, and software, is the property of CombinedRating.com or its content suppliers and is protected by copyright and intellectual property laws.

You may use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without written permission.

8. AI-Generated Content

Our lay statement generator uses Google Gemini AI to assist with writing. AI-generated content should be reviewed, edited, and personalized before use. We are not responsible for the content generated by the AI or how you choose to use it.

9. Privacy and Data

Your use of this Site is also governed by our Privacy Policy. Please review it to understand how we handle information. Key points:

• Disability calculation data is stored locally on your device only
• We do not require user accounts or logins
• We use cookies for analytics and advertising

10. Third-Party Links

This Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites. Your use of third-party websites is at your own risk.

11. Disclaimer of Warranties

THIS SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of content
• Uninterrupted or error-free operation

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CombinedRating.com AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your use or inability to use the Site
• Any unauthorized access to or use of our servers
• Any bugs, viruses, or malware transmitted through the Site
• Any errors or omissions in any content
• Any decisions made based on information from this Site

13. Indemnification

You agree to indemnify, defend, and hold harmless CombinedRating.com and its operators from any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.

14. Advertising

This Site displays advertisements through Google AdSense. We do not control the content of advertisements and do not endorse any products or services advertised. Advertisements are selected by Google based on content and user interests.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after changes constitutes acceptance of the new Terms.

16. Termination

We reserve the right to terminate or suspend access to the Site at any time, without notice, for any reason, including violation of these Terms.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

19. Contact Information

If you have questions about these Terms, please contact us through our Contact Page.