Terms of Service

Please read these Terms of Service ("Terms") carefully before using the website located at vadisabilitynavigator.com (the "Site"), operated by VA Disability Navigator ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and VA Disability Navigator. These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles. You consent to the exclusive jurisdiction of the state and federal courts located in Florida for any disputes arising from these Terms or your use of the Site.

2. Description of Site

VA Disability Navigator provides educational information about U.S. Department of Veterans Affairs (VA) disability ratings, combined ratings formulas, Total Disability based on Individual Unemployability (TDIU), the VA claims process, and related veteran benefits topics. The Site also offers online calculators intended for general informational purposes.

3. Not Legal or Medical Advice

IMPORTANT: The content on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes legal advice, medical advice, or professional advice of any kind. The information is not a substitute for advice from a qualified VA-accredited attorney, VA-accredited claims agent, Veterans Service Organization (VSO) representative, or licensed healthcare professional.

VA regulations, compensation rates, and eligibility requirements change frequently. Always verify current information directly with the U.S. Department of Veterans Affairs at va.gov or by contacting a VA regional office.

Calculator results are estimates only. Actual VA ratings determinations are made solely by VA adjudicators and may differ from calculator outputs.

4. Not Affiliated with the U.S. Department of Veterans Affairs

VA Disability Navigator is an independent educational website. We are not affiliated with, endorsed by, or sponsored by the U.S. Department of Veterans Affairs, any branch of the U.S. military, or any other government agency. The use of terms such as "VA," "veteran," and related terminology is for descriptive purposes only.

5. Intellectual Property

All content on this Site — including text, graphics, logos, images, calculator tools, and software — is the property of VA Disability Navigator or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may:

• View and print pages for personal, non-commercial use
• Share links to Site content

You may not:

• Reproduce, distribute, or publish Site content without written permission
• Scrape, crawl, or systematically extract data from the Site
• Use Site content for commercial purposes without a license
• Remove or alter any copyright, trademark, or other proprietary notices

6. User Conduct

By using the Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Interfere with or disrupt the Site or servers connected to the Site
• Transmit unsolicited commercial communications (spam)
• Impersonate any person or entity
• Use automated tools to access the Site in a manner that imposes an unreasonable burden

7. Third-Party Links and Affiliate Relationships

The Site contains links to third-party websites, including VA-accredited attorneys, veterans service organizations, and other resource providers. We may earn a commission or referral fee when you click on affiliate links and take qualifying actions (such as submitting a contact form or making a purchase).

Affiliate relationships do not influence our editorial content or recommendations. We only link to services we believe may be genuinely useful to veterans. We are not responsible for the content, accuracy, or privacy practices of third-party websites. Visiting third-party sites is at your own risk.

8. Advertising

The Site displays third-party advertisements served by advertising networks including Google AdSense. We do not control the content of these advertisements. The presence of an advertisement does not constitute our endorsement of the advertised product or service.

9. Disclaimers and Limitation of Liability

THE SITE AND ALL CONTENT, TOOLS, AND INFORMATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE MAXIMUM EXTENT PERMITTED BY FLORIDA LAW AND APPLICABLE FEDERAL LAW, VA DISABILITY NAVIGATOR, ITS OWNERS, OFFICERS, EMPLOYEES, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Your use of or inability to use the Site
• Any errors or omissions in Site content
• Reliance on information provided on the Site
• Any VA claims decisions made based on information from this Site
• Unauthorized access to your data

Some jurisdictions do not allow certain liability exclusions; in such jurisdictions our liability is limited to the extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless VA Disability Navigator and its owners, officers, employees, and agents from and against any claims, liabilities, damages, judgments, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Site or violation of these Terms.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Termination

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

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida. Any dispute arising under or related to these Terms shall be resolved exclusively in the state or federal courts located in Florida. You waive any objection to the jurisdiction or venue of such courts.

Before initiating formal legal proceedings, we encourage you to contact us to attempt an informal resolution.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and VA Disability Navigator with respect to your use of the Site and supersede all prior agreements and understandings.

17. Contact Us

For questions about these Terms, contact us at:

• Website: vadisabilitynavigator.com
• Email: legal@vadisabilitynavigator.com