Terms of Service | Valor AI

Last updated: June 5, 2026

1. Acceptance of Terms

By using Valor AI, you agree to follow these Terms of Service and all applicable laws.

2. Eligibility and Geographic Restrictions

United States Only: ValorAI is available exclusively to users located within the United States. By using this service, you represent and warrant that:

You are physically located within the United States
You are a U.S. citizen, permanent resident, or legally present in the United States
You will not access the service from outside the United States
You will not use VPNs, proxies, or other technologies to circumvent this geographic restriction

We can restrict, suspend, or end access for users who do not meet these requirements. We can also end access for users who access the service from outside the United States.

3. Use License

We give you permission to use our services. This permission is limited. It cannot be transferred. Your use depends on these terms and your subscription status.

4. Subscription and Payments

Subscription fees are billed in advance and renew until canceled
You can cancel a paid subscription through Account Settings or the Stripe billing portal. Cancellation stops future renewals, but does not automatically refund prior billing periods unless required by law
All payments are processed securely through Stripe
Fees are for software access, AI usage, document storage, workflow tools, and support availability
Fees are not tied to VA benefits, back pay, rating increases, claim approvals, or any other VA outcome
ValorAI does not charge a percentage, multiple, success fee, contingency fee, or outcome-based fee for VA benefits activity
ValorAI does not monitor your VA benefits to trigger invoices or collect fees based on changes in your VA payments
Refund requests are reviewed by support@tryvalor.ai and handled according to applicable law and the product terms shown at purchase

5. VA Claims Assistance and Accreditation Boundary

Self-service software only: ValorAI provides education, organization, document analysis, draft preparation tools, and user-controlled workflows. ValorAI is not the Department of Veterans Affairs, a VA-accredited representative, a VSO, an attorney, or a VA-accredited claims agent.

ValorAI does not represent you before the VA and does not create a power of attorney, agency, attorney-client, representative, or fiduciary relationship
ValorAI does not prepare, present, prosecute, or file VA claims as your representative or on your behalf
Draft forms, claim-prep worksheets, suggested evidence lists, AI outputs, and human review notes are user-controlled materials for your review, correction, and independent decision-making
You are responsible for reviewing, editing, signing, and deciding whether to submit any form or evidence to the VA
Any VA submission path in ValorAI is a user-directed self-service workflow. ValorAI does not sign, certify, or submit as your agent
Human review, when offered, is an educational document-readiness review unless we clearly state that a separate accredited representative program is available
If you want representation or help presenting a claim to the VA, use a VA-accredited VSO, attorney, or claims agent. You can learn more on our claims assistance boundary page

6. VA Benefits Report Feature

Our free VA Benefits Eligibility Report feature follows these terms:

Accuracy: You confirm that any DD-214 or military documents you upload are real and belong to you
Limited Purpose: Information from your DD-214 is used only to generate your DD-214 analysis, benefits eligibility report, claim plan, draft forms, and ValorAI user profile
AI Processing Consent: By uploading a DD-214, you consent to ValorAI and its AI service providers processing the uploaded file content, extracted text, and related service-record information to generate your requested analysis
Saved Results: If you sign up, claim a report, or choose a saved workflow, generated reports, extracted fields, and draft claim data may be stored in your account so you can return to them later
No Legal Advice: The benefits report is for information only. It is not legal or professional advice
Regulatory Information Currency: VA regulations, policies, and court decisions, including provisions of 38 CFR and case law such as Ingram v. Collins, can change frequently and may take effect immediately without advance notice. Reports, claim plans, drafts, and other information generated by ValorAI may not reflect the most current legal standard at the time you view or rely on them. Always verify current requirements with VA or a VA-accredited representative before filing.
Not an Accredited Representative: ValorAI is not a VA-accredited representative, Veterans Service Organization (VSO), attorney, or claims agent, and does not represent you before VA. Nothing ValorAI provides constitutes legal representation or accredited claims assistance under 38 CFR Part 14.
No Guarantees: Eligibility assessments are estimates based on general VA criteria. They do not guarantee approval for any specific benefit
Official Determination: Only the VA can make official eligibility decisions. We recommend contacting the VA directly for official guidance
Anonymous Reports: Reports generated without signing up will be automatically deleted after 24 hours

7. Health Information Disclaimer

Important: This service is for education and information only. It is not for medical decisions. ValorAI does not provide medical advice, diagnosis, or treatment. Always talk to qualified healthcare providers for medical decisions.

Not Medical Advice: Information from ValorAI about health conditions, disabilities, or medical records is for education only. It should not replace professional medical advice
No Clinical Decisions: Do not use this service to make clinical decisions about your health or treatment. Always consult with qualified healthcare professionals
No Provider-Patient Relationship: Using ValorAI does not create a provider-patient relationship between you and ValorAI or its affiliates
Emergency Services: If you are experiencing a medical emergency, call 911 or your local emergency services immediately. If you are in crisis, contact the Veterans Crisis Line at 988 (then press 1)

8. User Responsibilities

You must:

Give us accurate account information
Keep your account secure
Follow all laws when using the service
Not use the service without permission
Not upload fake or false documents
Not pretend to be another veteran or service member
Follow community rules when hosting or attending events
Only share your location or enable push notifications from devices you control

9. Community Events & Achievements

When you create or RSVP to an event, we store basic details. This includes title, date, location, and RSVP status. We use this to coordinate attendance.
Hosts are responsible for event logistics, accessibility, and following rules.
Location sharing is optional. We use it only to show nearby events and digests. You can disable or delete this data anytime.
Push notification subscriptions are stored as secure browser endpoints. We use these to send digests you choose to receive.
Achievement badges track product milestones inside ValorAI. They have no monetary value.

10. Telemetry, Analytics, and Error Monitoring

We collect usage data to improve reliability. This includes feature clicks and PDF generation steps.
We collect limited technical data when fixing issues. This includes form numbers, draft IDs, timestamps, and status codes.
Error reports go to Sentry. Analytics events go through our monitoring system. We do not log sensitive field contents from uploaded documents.
We use combined data to fix outages, improve autofill accuracy, and monitor PDF reliability. For privacy questions or opt-out requests, contact support@tryvalor.ai.

11. Data Retention and Automatic Deletion

Health Data Retention: To protect your privacy, we automatically delete health-related data after 180 days of account inactivity. This includes medical records, nexus letters, DBQs, and VA medical records.

30-Day Warning: You will get an email 30 days before any automatic deletion
Preserve Your Data: Logging into your account resets the timer and saves your health data
Non-Health Data: General account data like profile, chats, and preferences is not automatically deleted

12. Data Deletion Rights

You can delete all your data anytime:

Go to Account Settings → Privacy & Data
Click "Delete All My Data" to permanently remove all your information
This includes DD-214 data, benefits reports, VA connection information, documents, and account data
Deletion is permanent and cannot be undone
All data will be removed from our systems within 30 days

13. Limitation of Liability

Valor AI is not responsible for indirect, incidental, special, or punitive damages. This includes damages from your use or inability to use the service. Benefits eligibility reports are provided "as-is". They come without any warranties.

14. Third-Party Services

ValorAI uses third-party service providers to deliver our services. When you use ValorAI, your data may be processed by these providers. This is explained in our Privacy Policy (Section 7). These providers include:

Clerk (authentication)
Stripe (payments)
Convex (database)
Sentry (error monitoring)
PostHog (analytics)
xAI (AI processing for chat, document analysis, DD-214 analysis, benefits reports, and claim-plan generation)
VA.gov (veteran services)
Vercel (hosting)

When you use ValorAI, you accept our third-party providers' terms of service. We have agreements with all providers. These agreements help protect your data.

15. Business Transfers

In the event of a merger, acquisition, or sale of ValorAI:

You will receive at least 30 days advance notice via email
Your data will continue to be protected under this Terms of Service
You may delete your account and data before the transfer takes effect
See our Privacy Policy (Section 10) for complete details

16. Changes to Terms

We may change these Terms of Service from time to time:

Material Changes: We will email you at least 30 days before major changes take effect
Continued Use: If you keep using ValorAI after changes take effect, you accept the changes
Right to Terminate: If you do not agree with changes, you can delete your account before they take effect
Previous Versions: You can request previous versions by contacting support@tryvalor.ai

17. Accessibility

ValorAI is committed to accessibility for all users, including veterans with disabilities. We design our services to meet WCAG 2.1 Level AA standards. See our Privacy Policy for full accessibility details. Report accessibility issues to support@tryvalor.ai.

18. Contact Information

For questions about these terms, contact us at:

Email: support@tryvalor.ai