1. Acceptance of these terms
These Terms of Use (“Terms”) are an agreement between you and AI Joe, LLC, a California limited liability company doing business as AI Joe Claims (“AI Joe,” “Company,” “we,” “us,” or “our”). They govern your use of aijoeclaims.com, pathfinder.aijoeclaims.com, and any related websites, tools, and services we offer (together, the “Services”), including any purchase you make from us.
By using the Services, or by purchasing from us, you agree to these Terms and to our Privacy Policy at https://aijoeclaims.com/privacy-policy/, which is part of these Terms. If you do not agree, do not use the Services.
You must be at least 18 years old and able to enter a binding contract to use the Services.
2. Who we are, and who we are not
- AI Joe is a private, veteran-owned company. We are not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Veterans Affairs (“VA”) or any government agency.
- We are not VA-accredited, and we do not represent you before the VA. We do not file, submit, or sign anything with the VA on your behalf. You file your own claim.
- We do not provide legal advice or medical advice, and we do not diagnose any condition.
- We do not guarantee any outcome. The VA alone decides eligibility, ratings, effective dates, and benefits.
- You can file a VA claim at no cost, and you can get free help from VA-accredited Veterans Service Organizations, attorneys, and claims agents. You can search for accredited representatives at https://www.va.gov/get-help-from-accredited-representative/.
3. Changes to these terms
We may update these Terms from time to time. We will post the updated version with a new “Last updated” date. Changes apply from the date they are posted, except that changes do not reduce your rights under a purchase you have already made (for example, the refund window in Section 7 that applied on your purchase date).
4. Accounts, links, and security
Some parts of the Services use secure links or account access (for example, your report link or document upload link). Keep these private. They are personal to you. Tell us right away at [email protected] if you think someone else has accessed them. We may disable access if we believe it has been misused.
You agree that the information you give us is accurate and complete to the best of your knowledge. The documents we prepare depend on what you tell us and what you provide.
5. The free report
The Pathfinder claim strategy report is free. It is general, educational information based on your answers. It is not a diagnosis, not a medical or legal opinion, and not a prediction of what the VA will decide.
6. The paid service
6.1 What you buy
If you choose to work with us, you pay a one-time flat fee of $1,042 (the “Paid Service”). The fee is never a percentage of your back pay, never hourly, and does not increase if your claim becomes more complex.
6.2 What the paid service includes
The Paid Service includes, for the claim we prepare together:
- A review of the information and records you provide;
- A claim preparation package built around the applicable VA form (for example, VA Form 21-526EZ or 20-0995), which may include a personal statement in support of your claim and a research-based support letter that cites published medical literature;
- Preparation guidance for your Compensation & Pension (C&P) exam and for visits with your own healthcare provider;
- Step-by-step guidance on how you file your claim; and
- Ongoing support as described in Section 7.4, including help understanding VA letters and decisions and next steps after a decision.
6.3 What the paid service does not include
- We do not file or submit your claim, and we do not represent you before the VA.
- We do not diagnose conditions, write medical opinions, or tell you what symptoms to report. A support letter that cites medical research is not a medical opinion and does not replace one from a licensed provider.
- We do not provide legal advice.
- We do not guarantee any rating, approval, back pay, effective date, or timeline.
7. Payment, refunds, and how long we stay with you
7.1 Payment
Payment is due before work begins. We accept the payment methods shown at checkout. Prices are in U.S. dollars.
7.2 Paying in two installments
If you choose to pay in two installments of $521, both payments must be received before your engagement begins. If the second payment is not received within 24 hours of the first, we will refund the first payment and cancel the purchase.
7.3 Refunds, and when your purchase becomes final
- You may request a refund within six (6) months of your purchase date by emailing [email protected].
- We review each refund request individually and respond within 10 business days. Refunds are never based on the VA’s decision about your claim. The VA decides claims, and we do not control the outcome.
- Depending on the work already delivered, an approved refund may be full or partial. We will explain the amount before issuing it.
- Six (6) months after your purchase date, your purchase is final and no longer refundable.
- If you paid in installments, the six months run from the date of your first payment.
If you have a billing concern, please contact us before disputing a charge with your bank or card issuer. Most concerns can be resolved faster that way.
7.4 We stay engaged for as long as you do
Your purchase becoming final does not end our work with you. For as long as you stay engaged with us, there is no fixed end date and no additional charge for our continued support with the claim we prepared together. That includes:
- Help understanding letters and notices the VA sends you;
- Guidance after a VA decision; and
- Re-addressing conditions the VA denies or under-rates.
We do not charge you again after a denial, and new conditions that come up while you stay engaged are included at no additional charge.
7.5 Inactivity
“Staying engaged” means you are responding to us or contacting us about your claim. If we have not heard from you for six (6) consecutive months, we may close your engagement as inactive. Messages we send you do not count as activity. If you come back after that, contact us and we will reopen your file where possible. A reactivation fee may apply in some cases, and we will always tell you the amount, and get your agreement, before charging anything.
8. Text messages (SMS)
By providing your phone number and opting in, you agree that AI Joe may send you text messages about your use of the Services. These include Pathfinder follow-up, report and status updates, appointment and document reminders, payment notices, customer support, and follow-up on services you requested. Some messages may be sent using automated technology. Consent is not a condition of purchase.
Message frequency varies. Message and data rates may apply. Reply STOP to any message to opt out. You may receive one confirmation message. Reply HELP for help, or contact [email protected] or (530) 426-2509. Wireless carriers are not liable for delayed or undelivered messages.
We do not sell, rent, or share your phone number, SMS opt-in data, or SMS consent with third parties or affiliates for their marketing or promotional purposes. We share them only with service providers that deliver messages and operate our Services for us, or when required by law.
9. Intellectual property
The Services and their content (text, software, graphics, photographs, video, design, and the selection and arrangement of these) belong to AI Joe or its licensors and are protected by copyright, trademark, and other laws. You may use the Services for your own personal, non-commercial purposes.
Documents we prepare for your claim are yours to use for your claim, including filing them with the VA and sharing them with your healthcare providers, family, or representatives. You may not resell them or use our templates or methods to offer services to others.
The AI Joe name, logos, and related marks are our trademarks. You may not use them without our written permission.
10. Acceptable use
You agree not to:
- Use the Services for any unlawful or fraudulent purpose, including submitting false information to the VA;
- Impersonate any person or misrepresent your identity;
- Use bots, scrapers, or other automated means to access or copy the Services;
- Interfere with, overload, or try to gain unauthorized access to the Services or the systems behind them; or
- Introduce viruses or other harmful code.
11. Information you submit
You are responsible for the accuracy of the information and documents you submit. You grant us permission to use them to provide the Services to you, as described in our Privacy Policy. We do not publish anything you submit. If you share a review or testimonial with us publicly or give us permission to use one, we may display it with the disclosure required by law.
12. Third-party links and services
The Services may link to websites we do not control, including VA.gov. We are not responsible for their content or practices.
You may link to any public page of our website, as long as you do not suggest an affiliation with or endorsement by AI Joe that does not exist. You may not frame our website or present it as part of another site.
13. Information on the website
Website content is general information. It is not legal or medical advice and may not always be complete or current. VA rules change. Rely on the VA and your own advisors for decisions about your claim.
14. Disclaimer of warranties
To the fullest extent permitted by law, the services are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the services will be uninterrupted, error-free, or free of harmful components. We do not guarantee the outcome of any claim, rating, or VA decision, and we are not responsible for denials, delays, or changes made by the VA. This section does not limit warranties that cannot be excluded under applicable law.
15. Limitation of liability
To the fullest extent permitted by law, our total liability to you for any claim arising out of or relating to these terms or the services will not exceed the amount you paid us for the paid service. If you have not paid us, it will not exceed $100.
To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, including lost benefits, lost profits, or lost data.
These limits do not apply to liability from our gross negligence or willful misconduct, or to any liability that cannot be limited under applicable law.
16. Indemnification
You agree to indemnify and hold harmless AI Joe and its owners, employees, and contractors from claims, losses, and costs (including reasonable attorneys’ fees) arising from your violation of these Terms, your misuse of the Services, or false information you submit.
17. Governing law and venue
These Terms are governed by the Federal Arbitration Act and, otherwise, by the laws of the State of California, without regard to its conflict-of-law rules. For any dispute that is not arbitrated under Section 18 (for example, a small claims case or a claim for public injunctive relief), you and we agree to the state or federal courts located in Nevada County, California, unless the law of the state where you live gives you the right to bring the claim there.
18. Dispute resolution and arbitration
Please read this section carefully. It affects how disputes between you and us are resolved.
18.1 Talk to us first. Before starting arbitration or a court case, the party with the dispute will send the other a written notice describing it and the relief requested. Send yours to [email protected]; we will send ours to the email address we have for you. Both of us will try in good faith to resolve the dispute informally for 30 days after the notice is received. Time limits for bringing a claim are paused during those 30 days.
18.2 Mutual agreement to arbitrate. If the dispute is not resolved within 30 days, you and we each agree that any dispute arising out of or relating to these Terms, the Services, or any purchase will be resolved by final and binding individual arbitration, not in court, except as stated in Section 18.4. This applies equally to both of us; neither party can choose arbitration while denying it to the other.
18.3 How arbitration works. – Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (available at www.adr.org) and decided by a single neutral arbitrator. – Fees: you pay no more than the filing fee you would pay to start a case in court, or the consumer filing fee set by the AAA rules, whichever is less. We pay all other AAA and arbitrator fees, unless the arbitrator finds your claim was frivolous or brought for an improper purpose. – Location: the arbitration will take place by video or phone, or, if an in-person hearing is needed, in the county where you live. – The arbitrator may award the same individual relief a court could award, including attorneys’ fees and costs where the law allows. The arbitrator’s decision is final, and judgment on it may be entered in any court with jurisdiction.
18.4 Exceptions. Either of us may instead: – Bring an individual claim in small claims court, if it qualifies; – Seek public injunctive relief in court, to the extent the law does not allow that relief to be waived in arbitration (that claim will be paused until any arbitrable claims are decided); or – Bring a claim in court for infringement or misuse of intellectual property.
Nothing in this section stops you from reporting a concern to a government agency, including the Federal Trade Commission, your state attorney general, or the VA.
18.5 Individual claims only. To the fullest extent permitted by law, you and we each agree to bring claims only on an individual basis, not as a plaintiff or class member in a class, collective, or representative action. If this class-action waiver is found unenforceable for a particular claim, that claim (and only that claim) will proceed in court under Section 17, not in arbitration.
18.6 Your right to opt out. You may opt out of this arbitration agreement by emailing [email protected] with the subject “Arbitration opt-out” and your name, email, and phone number within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms or your purchase.
18.7 Changes to this section. If we change this section, the change will not apply to a dispute we already knew about, and you may reject the change by emailing us within 30 days of it being posted.
18.8 Severability. If any part of this Section 18 is found unenforceable, the rest of it remains in effect, except as stated in Section 18.5.
19. Time limit to bring a claim
To the extent permitted by law, any claim arising out of these Terms or the Services must be brought within one (1) year after it arises.
20. Copyright complaints (DMCA)
If you believe material on the Services infringes your copyright, send a notice that meets the requirements of 17 U.S.C. § 512(c)(3) to our designated agent:
Erik M. Menezes, AI Joe, LLC 10479 Saxon Way, Truckee, CA 96161 [email protected]
21. General
If any part of these Terms is found unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver. These Terms and our Privacy Policy are the entire agreement between you and us about the Services. You may not assign these Terms; we may assign them in connection with a merger, reorganization, or sale of our business.
22. Contact us
AI Joe, LLC (AI Joe Claims)
[email protected] · (530) 426-2509