Last Updated: September 25, 2025

IMPORTANT NOTICE: THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER. THESE PROVISIONS AFFECT YOUR LEGAL RIGHTS AS DETAILED IN THE ARBITRATION AND CLASS ACTION WAIVER SECTION BELOW. PLEASE READ CAREFULLY.

ACCEPTANCE OF TERMS OF USE

These Terms of Use (“Terms”), including the Binding Arbitration and Class Action Waiver section below, govern your access to and use of access our website at https://www.vetredeem.com/ (the “Site”) or use our and online or mobile application under our brand REDEEM® (our “App”) (collectively, our Site and App are our “Services”). BroSis VetCo, LLC (“REDEEM,” “us,” “our,” or “ours”) provides our Services subject to these Terms and your obligations as a User (defined below) of our Services is subject to these Terms (“you,” “your,” or “Users”). Please read these Terms carefully.

REDEEM provides Users support services, education, and videos on which benefits are available and the processes to apply for certain benefits, including real estate and housing, education, disability claims, employment, entrepreneurship, and other benefits through our Services (i.e., our App). Your use of our Services and any information, including any links to any third party services provided through our Services, are governed by these Terms as well as our Privacy Policy (incorporated herein by this reference).

By using our Services you signify your assent to these Terms. If you do not agree to all of these Terms, do not use our Services. We may modify these Terms at any time, and such modifications shall be effective immediately upon posting of the modified Terms. Your continued use of our Services will mean you accept these modified Terms. Your use of our Services is subject to these Terms, in addition to our Privacy Policy (which may be reviewed through the link above or on the main page of our Site). Please note that when you use third party applications, which may be linked through our Site, you will be subject to such third party’s terms of service and you should review the same.

Nothing on our Site alone shall constitute an offer to provide services, a contract for services, or a warranty as to the performance of REDEEM’s services. REDEEM makes the information on our Site available for general information purposes only. If you sign up for our App or use our Services, your use of the App may be subject to any end user license agreement (“EULA”) provided therewith. If no EULA is provided, these Terms shall govern.

Please note that access to and use of our Services is intended only for individuals who are at least 18 years old and capable of forming legally binding contracts under applicable law. By accessing or using our Services, including your election to create a user account, you represent and warrant that you meet these requirements. Our Services are proprietary to REDEEM and are protected by intellectual property laws and other laws. Your access to our Services is licensed and not sold. Subject to your timely payment of all fees, if applicable, and compliance with these Terms, we agree to provide you with a personal, non-transferable account that enables you to access and use our Services. You acknowledge and agree that our Services are provided by us and not any third party (e.g. a mobile app store like Apple or Google) and that we are solely liable and responsible for our Services provided to you by us under these Terms.

1. Your Responsibilities

1.1 Eligibility: You must be at least 18 years old to use our Services. By accessing our Services, you represent and warrant that you meet this age requirement.

1.2 Account Security: You are responsible for maintaining the confidentiality of your account information, including your ID.me username and password. You agree to notify us immediately of any unauthorized use of your account.

1.3 Restrictions: Except as otherwise permitted under these Terms, you shall not (and shall not assist any third party to): (i) use another user’s account; (ii) violate the license granted for our Services; (iii) violate these Terms; (iv) use any automated system (such as robots, spiders, offline readers, or scrapers to access our Services); (v) decompile, disassemble, or otherwise reverse engineer or attempt to reconstruct or derive any source code (or underlying ideas, algorithms, structure or organization) from the Platform or from any other information by any means whatsoever; (vi) distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast, disclose or allow use of any of our Services or our Content in any format through any timesharing device, service bureau, network or by any other means, to or by any third party; (vii) copy, adapt, modify or create a derivative work of our Services or our Content or any portion thereof; (viii) interfere with the operation of our Services, including attempting to or acting to encumber our Services, bypass system access restrictions, circumvent or disable security measures of our Services, introduce any malicious code, virus or other harmful, or deleterious code, files, scripts, agents or programs; (ix) use our Services in a way that violates a third-party’s intellectual property rights; or (x) use our Services with an intent to violate applicable laws and regulations, including without limitation an intent harvest or sell any personal information, send unsolicited mail/calls/texts, or recruit/solicit or contact any user for your any purpose not intended by our Services or permitted under these Terms, or submitting User Data that is libelous, tortuous, infringing, harassing, hateful, illegal, profane, obscene, defamatory, threatening, or discriminatory, or that advocates, promotes, or encourages inappropriate activity, conduct that would be considered a criminal offense, or conduct that would give rise to civil liability or violate any law.

1.4 Compliance with Laws: You agree to use our Services in compliance with all applicable laws and regulations.

1.5 Charges and Fees: You are responsible for paying the fees, if applicable, associated with our Services as noted in the account set up terms. All fees are exclusive of sales and other taxes and you are responsible for payment of any applicable federal, state, local and city taxes. You shall not be liable for any taxes based on REDEEM's net income. You further acknowledge that REDEEM may charge a subscription fee or other fee related to your access to our Services as specified when you set up your user account. If you owe REDEEM fees for your access of our Services, REDEEM reserves the right to assess late payment interest of the lessor 1.5% per month or the maximum amount permitted by law. If payment method is declined, or you fail to timely pay fees due, you agree to indemnify and hold REDEEM harmless from any costs and expenses incurred, including reasonable attorneys’ fees, in collection efforts. We also reserve the right to suspend or cancel your user account if a fee payable is not timely paid or cured.

1.6 Credit Card Payment: If you elect to pay fees, if applicable, by credit card, you are responsible for providing a valid credit card number at the time you register to pay. You represent and warrant that you are an authorized user of the credit card number provided, and you agree to pay all charges resulting from your account for our Services at the fees then in effect, including any unauthorized charges incurred prior to your notice to REDEEM of such charges. You agree that REDEEM may pass your credit card information and personal information to REDEEM's designated payment processors for their use in processing the credit card payment for the Services.

2. Limitations of Liability

2.1 Limitation of Liability:

NEITHER REDEEM, ITS AFFILIATES, NOR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, THIRD PARTY PROVIDERS, LICENSORS, OR OTHER REPRESENTATIVES WILL BE LIABLE FOR ANY DAMAGES, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE, INCLUDING, WITHOUT LIMITATION, LOSS OF USE, DATA, INCOME, PROFIT OR GOODWILL, LOSS OF OR DAMAGE TO PROPERTY AND CLAIMS OF THIRD PARTIES ARISING OUT OF YOUR USE OF THE WEBSITE OR SERVICE OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY CONTENT OR OTHER INFORMATION AVAILABLE THEREIN, HOWEVER CAUSED, WHETHER BASED ON BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), PROPRIETARY RIGHTS INFRINGEMENT, PRODUCT LIABILITY OR OTHERWISE. THE FOREGOING SHALL APPLY EVEN IF REDEEM WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

2.2 Remedy: IF YOU BECOME DISSATISFIED IN ANY WAY WITH OUR SERVICES OR THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP YOUR USE OF OUR SERVICES. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST REDEEM AND ITS AFFILIATES, AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF OUR SERVICES. BECAUSE SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, THESE PROVISIONS MAY NOT APPLY TO YOU. IF ANY PORTION OF THIS LIMITATION ON LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, AND/OR FOR ANY AND ALL OTHER LIABILITIES, HOWEVER, ARISING, THE AGGREGATE LIABILITY OF REDEEM AND ITS AFFILIATES SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU FOR THE USE OF OUR SERVICES IN THE TWO MONTHS PRIOR TO YOUR CLAIM. THE LIMITATION OF LIABILITY HEREIN IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN AND REFLECTS A FAIR ALLOCATION OF RISK. OUR SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS AND YOU AGREE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY, DISCLAIMERS AND EXCLUSIVE REMEDIES SPECIFIED HEREIN WILL SURVIVE EVEN IF FOUND TO HAVE FAILED IN THEIR ESSENTIAL PURPOSE.

2.3 Claims: Any claims you have arising in connection with your use of our Services must be brought within one (1) year of the date of the event giving rise to such action occurred. Remedies under these Terms are exclusive for your claims and are limited to those expressly provided for in these Terms. The foregoing shall not apply to our claims for your infringement of our intellectual property rights or your violations of the restrictions noted above.

2.4 Indemnification: You agree to indemnify and hold harmless REDEEM and its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of our Services or your violation of these Terms.

3. Third Party Links

3.1 Third Party Links: As part off our Services, and for informational purposes only, REDEEM may provide external links to other third party websites including, but not limited to, VA.gov and CalVet.ca.gov. REDEEM has no control over the content of these sites and makes no representations or warranties about the terms of use, privacy practices, or accuracy of information on such sites. By providing external links, REDEEM does not endorse or adopt any information, articles, products, services, or other materials appearing on or provided by the linked sites. You should review the privacy policies and terms of use of such third party websites prior to accessing.

4. Intellectual Property Rights

4.1 Ownership: All content, features, and functionality on our Site or our App, including but not limited to text, graphics, logos, and software, are the exclusive property of REDEEM or its licensors and are protected by copyright, trademark, and other intellectual property laws. You acknowledge and agree that REDEEM (and not any third party such as a mobile app store provider) shall be solely responsible to investigate, defend, settle and discharge any third party claims that our Services infringes any United States patent right, copyright, trade secret or other intellectual property right of such third party. You agree to notify us immediately in writing of any such claim and to cooperate as necessary in the defense and settlement of such claim.

4.2 License: We grant you a limited, non-exclusive, revocable, non-transferable, and non-sublicensable right to use our Services for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content on our Site or our App (i.e., our Services) without our written consent.

5. Privacy Considerations

5.1 Data Collection: We collect and use personal information in accordance with our Privacy Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy to understand our practices.

5.2 User Consent: By using our Services, you consent to the collection and use of your information as described in our Privacy Policy. Information collected by third parties using external links will be governed by such third party’s privacy policy. REDEEM strongly advises you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

6. Disclaimers; Limitations

We do not sell or otherwise transfer ownership of the Services; our provision of the Services is our sole liability which is further subject to the following disclaimer. Each User acknowledges and agrees that REDEEM is not liable for the provision of Services or any warranty or claim related to the Services. We do not endorse, warrant or may any representation concerning any user, any third party link or information provided through the Services or provided by a third party. By using the Services, you understand and agree that any legal remedy or liability that you seek to obtain for actions or omissions of other users or other third-parties will be limited to a claim against those particular other users or other third-parties. You agree not to attempt to impose liability on or seek any legal remedy from REDEEM with respect to such actions or omissions.

6.1 Content Disclaimer: As noted in these Terms, the Services and any Content, contained on or provided through the Services are provided on an "AS IS" basis. Any access to the Services is voluntary. If you download or print any Content for personal use, you must retain all copyright and other proprietary notices contained thereon. WE WILL REGARD ALL ACCESS AS VOLUNTARY AND AT YOUR SOLE RISK. IN ADDITION, YOU ACKNOWLEDGE AND AGREE THAT REDEEM (INCLUDING OUR SUPPLIERS AND AGENTS) SHALL NOT BE LIABLE IN ANY WAY FOR ANY DATA PROVIDED THROUGH THE SERVICES FROM A THIRD PARTY DATA PROVIDER ANDTHAT ALL SUCH DATA IS PROVIDED ON AN "AS IS" BASIS AND YOUR USE OF SUCH DATA IS AT YOUR SOLE RISK.

6.2 Accuracy of Information: While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, reliability, or completeness of any information through our Services.

6.3 Access. You shall be solely responsible for providing, maintaining and ensuring compatibility with our Services access requirements, all hardware, software, electrical or other physical requirements for your use of our Services, including without limitation, mobile devices, telecommunications and internet service provider access, connections, links, web browsers or other equipment, programs and services required to access the internet or to use our Services. You acknowledge and agree that from time to time our Services may be inaccessible or inoperable for any reason, including without limitation: (i) equipment malfunctions, (ii) periodic maintenance procedures or repairs; or (iii) other causes beyond our control. Additionally, because our Services is accessed via the internet or a mobile carrier, you may have connection issues due solely to your own internet or telecommunications service provider or other technological access requirements. We are not responsible for any third party access requirements (e.g. your internet service provider).

7. Changes to Terms

7.1 Modification: We reserve the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes.

8. General Arbitration; Applicable Law

IMPORTANT NOTICE: THIS PROVISION CONTAINS A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER. THESE PROVISIONS AFFECT YOUR LEGAL RIGHTS; PLEASE READ CAREFULLY.

8.1 Arbitration: Except for a claim by REDEEM of infringement or our intellectual property rights or misappropriation of our trade secrets, any and all disputes between you and us arising under or related in any way to these Terms must be resolved through binding arbitration as described in this section. This agreement to arbitrate is intended to be interpreted broadly. It includes, but is not limited to, all claims and disputes relating to your use of our Services.

BY AGREEING TO THESE TERMS, YOU AND REDEEM ARE EACH WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND REDEEM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN THEIR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED.

8.2 Disputes. You and we agree to discuss in good faith any concern you may have arising out of or in connection with these Terms, including any question regarding its validity or breach hereof (a “Dispute”). If you and we cannot resolve a Dispute through good faith discussions within sixty (60) days, then, upon the written request of either you or us, such Dispute will be referred to and finally resolved by final, binding and confidential arbitration under Arbitration Rules and Procedures of the Judicial Arbitration and Mediation Service, Inc. (JAMS) then in effect (“Rules”) which Rules are deemed to be incorporated by reference into this clause.

8.3 Arbitration Process. The number of arbitrators shall be one, appointed in accordance with the Rules. All arbitration proceedings shall take place in a mutually agreed upon location, including without limitation an electronic meeting option. The language of the proceedings shall be English. You and we undertake as a general principle to keep confidential all awards in the arbitration, together with all materials in the proceedings created for the purpose of the arbitration and all other documents produced by either you or us in the proceedings not otherwise in the public domain - save and to the extent that disclosure may be required of you or us by legal duty, to protect or pursue a legal right or to enforce or challenge an award in bona fide legal proceedings before a state court or other judicial authority. The deliberation of the arbitrator is likewise confidential to its members, save and to the extent that disclosure of an arbitrator's refusal to participate in the arbitration is required by the Rules. We will cover the first $250 of the arbitration costs for you. The prevailing party shall be awarded reasonable attorneys’ fees, together with any costs and expenses, to resolve the Dispute and to enforce final judgment (subject only to our coverage of the first $250 of your costs). Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

8.4 Acknowledgement. The parties understand that, absent this mandatory arbitration provision, they would have the right to sue in court and have a jury trial. They further understand that, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court.

8.5 Jurisdiction:These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

8.6 Class Action Waiver. The parties further agree that the arbitration will be conducted in their individual capacities only and not as a class action or other representative action, and the parties expressly waive their right to file a class action or seek relief on a class basis. YOU AND REDEEM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provisions set forth above will be deemed null and void in their entirety and the parties will be deemed to have not agreed to arbitrate disputes.

8.7 Opt Out. You have the right to opt out and not be bound by the arbitration and class action waiver provisions set forth above by sending (from the email address you use on your user account) written notice of your decision to opt out to REDEEM at the email address noted below with the subject line, "ARBITRATION AND CLASS ACTION WAIVER OPT-OUT." The notice must be sent within thirty (30) days of the later of the Effective Date of these Terms or your first use of our Services; otherwise, you will be bound to arbitrate disputes in accordance with the terms of those paragraphs. If you opt out of these arbitration provisions, we also will not be bound by them.

9. Contact Information

9.1 Questions or Concerns: If you have any questions or concerns about these Terms of Use, please contact us at info@vetredeem.com. By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.