1. Acceptance of Terms

By accessing or using the Site, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the Site.

These Terms apply to all visitors of the Site. They do not replace, amend, or supersede the Member Service Agreement accepted by members. If these Terms conflict with a member's Member Service Agreement, the Member Service Agreement controls as to the membership services it governs.

The Member Service Agreement replaces the Essential Care Client Services Agreement. It applies to members who enroll on or after October 26, 2026. Members who enrolled before that date keep their current documents, and references in these Terms to the Member Service Agreement mean that member's Client Services Agreement for as long as it remains in effect.

If VHN offers a member account or portal, these Terms apply to your use of it.

2. Description of Service

VHN Membership is a healthcare membership for Veterans in 2 parts:

• Clinical Baseline. A defined program with a clear end. It includes clinical intake and gathering your records, then, depending on the option you choose, a physical baseline visit and a results and care plan visit, a mental health baseline, or both, each with a licensed clinician in VHN's network. It ends with a handoff of your baseline to you and, with your consent, to your VA care team.
• Care Advocacy. Ongoing support from a Care Advocate, including help with appointments, communication with your doctors, coverage, transitions, resources and your living record. Care Advocacy is included with the options that include a physical Clinical Baseline, for as long as your membership is active. With a Mental Health only Clinical Baseline, Care Advocacy is an optional add-on: a 12-month commitment, either prepaid at $500 with the Clinical Baseline or at $49 a month for 12 months, then month to month.

Every member, including members with a Mental Health only Clinical Baseline, may also book additional physical health visits with a licensed clinician in VHN's network on a pay-per-visit (fee-for-service) basis, in person or by telehealth, at $150 per visit. VHN does not offer mental health visits on a pay-per-visit basis. VHN bills each visit when you request it. VHN bills each network visit at cost: you pay $150, the full $150 goes to the clinician, and VHN keeps no part of it. VHN only manages the billing.

In this section, a clinician is an independently licensed health professional, such as a physician, nurse practitioner, psychologist or psychiatrist, acting within the scope of their license. The clinicians in VHN's network examine you, decide every diagnosis and opinion on their own findings, and are responsible for the care they provide. They are independent practitioners, not VHN employees. VHN's care team coordinates that care: scheduling, gathering and organizing your records, communication with your clinicians and doctors, and Care Advocacy. Nobody at VHN tells a clinician what to find.

Our independent clinicians, physical and mental health, write an independent medical opinion whenever their own findings support one, whether or not you ever file a claim. Knowing whether a condition may be connected to your service is part of Veteran-centric care. Every member receives the same Clinical Baseline and the same outputs whether or not they ever file a claim.

VHN is not affiliated with or endorsed by the U.S. Department of Veterans Affairs. VHN is not a law firm or a Veterans Service Organization. Membership fees pay for healthcare coordination and advocacy, never for help with a VA claim, and never change with a VA decision.

VHN does not prepare, file, present or prosecute VA claims, or provide VA claims strategy. Anything claims-related is deferred to whoever the Veteran works with on their claim.

VHN may offer an optional courtesy introduction to a VA-accredited representative when a member does not have one or wants a different one, with no payment in either direction, no records shared without the member's written authorization, and nothing in VHN's process depending on it, and members remain free to use any accredited representative, a free Veterans Service Organization, or no one.

The Site itself is informational. Using the Site does not create a membership, a provider-patient relationship, or any professional engagement with VHN.

3. Membership Terms

The Member Service Agreement sets out the full terms of VHN Membership, including what the Clinical Baseline delivers, the scope of Care Advocacy, fees, the membership term, renewal, cancellation, financing and the Clinical Baseline Guarantee. You will be able to read the Member Service Agreement before you pay. myvhn.org/member-agreement

Before you pay, VHN shows you the price, the membership term, how renewal works and how to cancel, and asks for your separate, affirmative consent to those terms. After you buy, VHN emails you an acknowledgment of them. You can cancel online, without calling anyone, and VHN confirms your cancellation in writing right away. You may cancel within 3 business days after you sign for a full refund. The Member Service Agreement also lists the other cases in which a 12-month commitment ends early, such as death or disability, military orders, or a move to a state VHN cannot serve, and any other right to cancel your state's law gives you.

Membership fees are fixed. They are never a percentage of any VA award and never change with a VA decision.

The Clinical Baseline Guarantee is offered only on the terms stated in the Member Service Agreement. It is a refund of the baseline portion of the membership under the conditions stated there. It is not a promise of any diagnosis, opinion, rating or VA outcome. Nothing on the Site creates any other guarantee.

Where VHN offers financing, it is provided by third-party lenders. Approval and financing terms come from the lender you choose, not from VHN.

4. Eligibility

VHN's services are offered only to Veterans who are at least 18 years of age. By using the Site, you represent that you are at least 18 years old. The Site and services are intended for users located in the United States.

5. User Conduct

You agree to use the Site only for lawful purposes. You agree not to:

• Provide false or misleading information through any form or communication with VHN.
• Interfere with or disrupt the operation or security of the Site.
• Scrape, harvest, or collect information from the Site by automated means without our prior written consent.
• Use the Site to infringe the rights of any third party or to violate any applicable law or regulation.
• Impersonate any person or misrepresent your affiliation with any person or entity.

6. Intellectual Property

The Site and its contents, including text, graphics, logos, page designs, and underlying code, are the property of Veteran Health Network LLC or its licensors and are protected by intellectual property laws. You are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. No other rights are granted.

This section addresses Site content only. You own your record. A member's clinical records, care plan and clinical documentation are the member's own and remain the member's property, as provided in the Member Service Agreement.

7. Disclaimers

The Site and its contents are provided for general informational purposes only and are provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

Clinical findings, diagnoses, opinions and medical documentation are produced by independent licensed clinicians. Nothing on the Site constitutes medical advice. VHN does not practice medicine.

The Site is not for emergencies. If you are having a medical emergency, call 911 or go to the nearest emergency room. If you are in crisis: Veterans Crisis Line. Dial 988, then press 1. Text 838255. Chat online at VeteransCrisisLine.net.

Nothing on the Site constitutes legal advice, claims strategy, or claims representation. VHN is not a law firm, is not a Veterans Service Organization, and is not a VA-accredited representative.

VHN does not guarantee any particular diagnosis, opinion, disability rating, VA approval, decision timeline, backpay amount, effective date, or claim outcome of any kind. The VA's decisions are entirely outside VHN's control.

You are encouraged to seek advice from appropriately licensed professionals for medical, legal, tax, or financial matters.

8. Limitation of Liability

To the fullest extent permitted by law, VHN shall not be liable for any indirect, incidental, consequential, punitive, or exemplary damages arising out of or related to your use of the Site.

To the fullest extent permitted by law, VHN's aggregate liability arising out of or related to the Site shall not exceed the greater of the amounts you have actually paid to VHN in the twelve months preceding the claim or one hundred dollars ($100). This section does not limit any liability that cannot be limited under applicable law, and it does not modify the limitation of liability terms of any Member Service Agreement, which govern membership services.

9. Indemnification

You agree to indemnify, defend, and hold harmless Veteran Health Network LLC and its officers, employees, agents, and contractors from and against any claims, losses, liabilities, costs, and reasonable attorneys' fees arising out of or related to your breach of these Terms, your misuse of the Site, or your violation of any law or the rights of any third party, to the extent caused by you.

10. Text Messaging (SMS) Consent

Service texts. If you give VHN your mobile phone number through the Site, an intake form, or a conversation with our team, VHN may text you about your inquiry, intake, scheduling, appointment reminders, billing, and Care Advocacy. These are informational messages, not marketing.

Marketing texts. VHN sends marketing or promotional texts only if you give your prior express written consent, by checking a separate, unchecked box or by another signed agreement that clearly authorizes VHN to send you marketing texts, including by automated technology, to the number you provide. That consent is never a condition of buying any VHN service. VHN sends marketing texts only between 8 a.m. and 8 p.m. in your local time, and no more than 3 in any 24-hour period.

For all texts:

• Consent to receive text messages is not a condition of purchasing any VHN service.
• Message frequency varies based on your interactions with VHN.
• Message and data rates may apply.
• You may opt out at any time by any reasonable means. Reply STOP, QUIT, END, CANCEL, UNSUBSCRIBE, REVOKE, OPTOUT or STOP ALL, or tell us in any other reasonable way, such as replying in your own words, emailing legal@myvhn.org or telling your Care Advocate. VHN honors your request as soon as practicable and no later than 10 business days after receiving it, and may send one message confirming it.
• Reply HELP for help, or contact legal@myvhn.org.
• Mobile opt-in information, including your phone number and consent status, is not shared with third parties or affiliates for their marketing purposes.

Opting out of text messages does not affect your membership or any service. VHN will communicate with you by other means on file.

11. Dispute Resolution; Arbitration; Class Action Waiver

Please read this section carefully. It affects your legal rights.

Before commencing any formal proceeding, you agree to first provide VHN written notice of the dispute at legal@myvhn.org and allow 10 business days for good faith informal resolution.

Except for matters properly brought in small claims court or requests for temporary injunctive relief, any dispute arising out of or relating to the Site or these Terms shall be resolved by final and binding arbitration on an individual basis, administered by the American Arbitration Association under its Consumer Arbitration Rules. This arbitration provision is governed by the Federal Arbitration Act. Arbitration shall take place remotely unless otherwise required by applicable law or AAA rules. The arbitrator may award any relief available in court on an individual basis.

All disputes shall be brought solely in an individual capacity. You and VHN each waive any right to bring or participate in any class action, collective action, mass action, or representative proceeding, and each knowingly and irrevocably waive any right to a jury trial. If the class waiver is found unenforceable as to a particular claim, that claim shall be severed and all remaining claims shall proceed in individual arbitration.

If you are a member, disputes concerning your membership are governed by the arbitration agreement in your Member Service Agreement, which is consistent with this section and controls as to membership services.

12. Governing Law

These Terms are governed by the laws of the State of Indiana without regard to conflict of laws principles, except to the extent preempted by the Federal Arbitration Act. Nothing in these Terms limits or waives any right you may have under mandatory consumer protection statutes of your state of residence.

13. Changes to These Terms

We may update these Terms from time to time. The Effective Date reflects the most recent revision. Material changes will be posted on this page. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. Changes to these Terms do not change a Member Service Agreement already accepted, which changes only as that agreement provides.

14. Contact

Questions about these Terms, and any legal notices, may be directed to:

• Veteran Health Network LLC
• 6417 W County Rd. 250, Danville, IN 46122
• legal@myvhn.org

15. Effective Date

These Terms of Service are effective as of October 26, 2026.