Terms of Sale
1. Who you are contracting with
VA Claim Mentor is operated by LOUJSWZ Inc., a Florida corporation, 6004 Blakeford Dr, Windermere, FL 34786. You can reach us at office@loujswz.com. In these Terms, "we," "us," and "our" mean LOUJSWZ Inc. "You" means the person who purchases access.
LOUJSWZ Inc. is the seller of record for every purchase.
2. What you are buying
You are buying access to VA Claim Mentor (the "Guide"), a self-paced video guide that teaches veterans how to document and advocate for their own VA disability claim.
The Guide is educational, and it is the same for every person who buys it. The free eligibility check only suggests which session to watch first.
We do not review your claim, your records, your symptoms, or your paperwork. We do not prepare, complete, submit, or file anything on your behalf. We do not represent you before the Department of Veterans Affairs or anywhere else.
Nothing in the Guide is legal advice, medical advice, or individualized guidance about your situation. Buying the Guide does not create an attorney-client relationship, a representative relationship, an agency relationship, or a fiduciary relationship of any kind.
Free accredited help exists, and you are entitled to it. Accredited Veterans Service Organization representatives assist veterans at no charge, and you can find one through the VA's accreditation search. We encourage you to use one whether or not you buy the Guide.
If anything in a video, a transcript, an email, or any other summary differs from these written Terms or the written Disclaimer, the written version controls.
3. Who can buy
You must be at least 18 years old and have a United States billing address. APO, FPO, and DPO addresses count as United States addresses.
One purchase creates one account for one person. We do not knowingly sell to, or collect information from, anyone under 18.
4. Price and payment
The price is $350 in United States dollars, charged once. Applicable United States sales tax is calculated and shown before you pay.
Payment is processed by Stripe. We do not receive or store your full card number.
5. Territory
The Guide is available to customers in the United States only. Checkout requires a United States billing address, and payment is accepted in US dollars only. If you are outside the United States, we cannot sell to you at this time.
6. Term of access
Your access lasts one year from the date of purchase. It is not lifetime access. Any updates or corrections we make to the Guide during your year are included at no extra cost.
Beginning on day 335 of your term, we will offer you the option to renew for another year at undefined. This is an offer, not a charge.
There is no automatic renewal and no recurring billing.
If you do nothing, your access simply ends at the close of your term, and you are never billed again.
A renewal is a new purchase, made under the Terms in effect on the day you renew.
7. What happens when your term ends
We will notify you before your access ends. After your term expires:
You lose access to the video sessions, their transcripts, and the on-screen practice worksheets.
For 30 days after your term ends, you can still sign in to download the fillable Word worksheets or to renew.
At the end of those 30 days, your account data is deleted in accordance with our Privacy Policy. We remind you by email before that happens.
We never store anything you type into a worksheet, so there is nothing of yours to lose when your term ends. Any worksheet you filled out on your own device is unaffected.
8. Your license
We grant you a personal, non-transferable, non-exclusive license to access the Guide for your own use during your term.
You may: watch the sessions; read their transcripts; download and fill in the Word worksheets; and print anything provided as a printable file, for your own claim.
You may not:
share your account credentials;
record, download, copy, or redistribute the video sessions or their transcripts;
resell or sublicense access;
use the Guide to provide paid services to other people;
reproduce the Guide's content in any product of your own.
We may suspend or terminate access, without refund, for credential sharing or unauthorized redistribution.
9. Your account and your content
You are responsible for keeping your password secure and for activity under your account.
Anything you write in a worksheet is yours, and we never see it or store it.
The on-screen worksheets are a practice space. What you type stays in your open browser tab and is erased when you leave or reload the page.
To keep your work, download the fillable Word worksheet and complete it on your own device.
No feature of the Guide reads or evaluates anything you write.
See the Privacy Policy for details.
10. Refunds
Refunds are governed by our Refund Policy, which forms part of these Terms. In short:
Window and method: you may request a full refund within undefined of the time your purchase completed. The request must be in writing, by email to office@loujswz.com, and must arrive inside that window.
No viewing condition: how much of the Guide you have watched does not affect whether you can get a refund.
Renewals: the same rule applies, measured from the time the renewal purchase completed.
Technical failures: if the Guide does not work because of a problem on our side and we cannot fix it, that is refundable even after the window closes. The request must still be made in writing by email.
Effect: when a refund is issued, your access ends immediately and your account is closed.
11. No guarantee of outcome
We do not guarantee any claim outcome, disability rating, approval, back-pay amount, monthly benefit, or processing time. No one can. Outcomes depend on your own service history, your medical evidence, and decisions made by the Department of Veterans Affairs.
Any story, example, or result described anywhere on this site, including in any video, is real, but it is not average, typical, or guaranteed.
12. The Guide is provided as it is
We built the Guide carefully, and we keep it current during your term. But VA rules, forms, and processes change, and your situation is your own.
So, to the extent Florida law allows, we provide the Guide as it is and as it is available, without warranties of any kind, express or implied. That includes any implied warranty of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the Guide is complete, error-free, suited to your specific claim, or available without interruption. The official source for VA rules and forms is va.gov; confirm current requirements there before you file.
Nothing in this section limits a warranty that cannot be limited under applicable law.
13. No affiliation with the Department of Veterans Affairs
VA Claim Mentor is a private business. It is not affiliated with, endorsed by, sponsored by, or in any way officially connected with the United States Department of Veterans Affairs or any other government agency. "VA" in our name describes the subject we teach about, not a relationship.
14. Limitation of liability
To the fullest extent permitted by Florida law, our total liability to you for any claim arising out of or relating to the Guide or these Terms is limited to the amount you paid us.
We are not liable for indirect, incidental, consequential, special, or punitive damages, or for lost benefits, lost back pay, or any claim outcome.
Nothing in these Terms limits liability that cannot be limited under applicable law.
15. Disputes — binding individual arbitration
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND US TO RESOLVE DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION INSTEAD OF IN COURT, AND IT WAIVES CLASS ACTIONS AND JURY TRIALS.
15.1 Talk to us first.
Before starting arbitration, send a written description of the dispute and the resolution you want to office@loujswz.com. We will do the same if we have a dispute with you.
Both sides will try in good faith to resolve it within 30 days.
Neither side may start arbitration until those 30 days have passed.
15.2 Binding arbitration.
Scope: any dispute, claim, or controversy arising out of or relating to these Terms, the Guide, your purchase, or our website. This includes disputes about the scope or enforceability of this Section.
Administrator and rules: the American Arbitration Association (AAA), under its Consumer Arbitration Rules then in effect.
Governing law: the Federal Arbitration Act governs this Section.
Finality: the arbitrator's decision is final and binding, and judgment on the award may be entered in any court with jurisdiction.
15.3 Where and how. Unless both sides agree otherwise, arbitration will be conducted by video or on written submissions. If an in-person hearing is required, it will take place in Orange County, Florida, or in the county where you live if the AAA rules require it. Fees are paid as the AAA Consumer Arbitration Rules provide.
15.4 Small claims. Either side may instead bring an individual claim in small claims court, in Orange County, Florida, or in your county of residence, if the claim qualifies. The claim must stay in that court and on an individual basis.
15.5 No class actions.
You and we each agree to bring claims only in an individual capacity, not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding.
The arbitrator may not consolidate claims or award relief to anyone other than the individual party.
If this paragraph is found unenforceable as to a particular claim, that claim (and only that claim) will be decided in the state or federal courts located in Orange County, Florida, after the individual arbitration of all other claims.
15.6 Jury trial waiver. To the extent any claim proceeds in court, you and we waive the right to a jury trial.
15.7 Government agencies. Nothing in this Section prevents you from bringing an issue to the attention of a federal, state, or local agency. That includes the Florida Attorney General, the Federal Trade Commission, and your own state's consumer-protection office.
15.8 Governing law. Apart from the Federal Arbitration Act, these Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules.
15.9 Changes to this Section. If we change this Section, the change does not apply to a dispute we already knew about, or to a purchase made under an earlier version, unless you agree in writing.
16. Intellectual property
The Guide — its videos, transcripts, worksheets, checklists, prompts, and text — is the copyrighted property of LOUJSWZ Inc. VA Claim Mentor and its logo are trademarks of LOUJSWZ Inc.
Your license in Section 8 is the only right we grant you in that material. Everything you write into the worksheets is yours, and we claim no rights in it.
17. Changes to these Terms
We may update these Terms. Each version carries a version number and an effective date.
If we make a material change, we will notify account holders by email before it takes effect and post the change here.
The version you accepted at purchase governs your current access term, including any change that would reduce your rights. New versions apply to new purchases and renewals made after their effective date.
18. Entire agreement, severability, assignment
These Terms, together with the Refund Policy, the Privacy Policy, and the Disclaimer, are the entire agreement between us about the Guide.
If any provision is found unenforceable, the rest stays in effect. You may not transfer your account or these Terms to anyone else. If we do not enforce a provision on one occasion, we can still enforce it later.