Terms of Service

By accessing and using TRICARE.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree to these Terms, do not use the Site.

Independent Resource Disclaimer

Not Medical, Legal, or Financial Advice

Use of Service

You agree to use TRICARE.com only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the service in any way that violates any applicable law or regulation
• Attempt to gain unauthorized access to any portion of the website
• Interfere with or disrupt the service or servers
• Use automated systems (bots, scrapers) to access the service without permission
• Submit false or misleading information
• Abuse, harass, or submit harmful content through our AI chat or contact forms

AI Navigator and AI-Generated Content

Our AI Navigator uses artificial intelligence (including OpenAI, Anthropic Claude, and Google Gemini) to provide information about TRICARE. By using the AI Navigator, you acknowledge that:

• AI-generated responses are not official TRICARE guidance and may contain errors or inaccuracies
• AI responses should be verified with official sources at tricare.mil
• AI responses do not constitute professional medical, legal, or financial advice
• Your questions and interactions may be logged to improve service quality
• You should not submit sensitive personal information (SSN, medical records, financial account numbers) through the AI chat

Resolution Report Product

TRICARE.com offers a paid digital product called the "Comprehensive Resolution Report" (the "Report"). By purchasing a Report, you agree to the following:

• The Report is a one-time purchase of $47.00 USD, processed securely through Stripe, Inc.
• After payment, you will be asked to complete an intake form describing your TRICARE issue. The information you provide is used solely to generate your personalized Report.
• Your Report is generated using AI language models (including Anthropic Claude, Google Gemini, and OpenAI GPT-4o) and is reviewed by three independent AI systems for accuracy, actionability, and completeness before being verified by a human team member.
• Reports are delivered via email within 24 hours of intake form submission. Delivery times may vary based on case complexity and review queue.
• Your Report download link remains active and you may re-download your Report at any time using the secure link provided in your delivery email.
• The Report provides general educational information and benefits navigation guidance only. It does not constitute legal advice, medical advice, or an official TRICARE coverage determination.
• Appeal letter templates, pre-filled forms, and phone scripts included in the Report are provided as educational samples. You should review them with a qualified professional (such as a licensed attorney or TRICARE BCAC) before submission.
• Coverage analysis in the Report is based on publicly available TRICARE policy documentation. Only TRICARE or your managed care support contractor can make official coverage determinations.
• We do not guarantee any specific outcome, claim approval, or financial recovery as a result of using the Report.

Resolution Report Refund Policy (Clarity Guarantee)

• If your Report does not provide clear, actionable next steps for your TRICARE issue, you may request a full refund within 30 days of delivery.
• Refund requests should be sent to support@tricare.com with your case number and a brief explanation of how the Report did not meet your expectations.
• Refunds are processed back to the original payment method within 5-10 business days.
• See our full Refund Policy for complete details.

Premium AI Subscriptions

TRICARE.com offers paid subscription plans ("Premium AI") that provide enhanced features. By subscribing, you agree to the following:

Billing and Payment

• Subscription fees are billed in advance on a monthly or annual basis, depending on your selected plan
• All payments are processed securely through Stripe, Inc.
• Prices are listed in U.S. Dollars (USD) and are subject to change with 30 days' notice
• You are responsible for providing accurate and current payment information

Auto-Renewal

• Subscriptions automatically renew at the end of each billing period unless cancelled
• You will be charged the then-current subscription rate at each renewal
• You may cancel auto-renewal at any time through your account dashboard or by contacting us

Cancellation

• You may cancel your subscription at any time through your account dashboard at tricare.com/dashboard
• Cancellation takes effect at the end of your current billing period
• You will retain access to premium features until the end of your paid period
• We do not provide partial refunds for unused portions of a billing period

Refund Policy

• We offer a full refund within 7 days of your initial subscription purchase if you are unsatisfied
• After the 7-day window, no refunds will be issued for the current billing period
• Refund requests should be sent to support@tricare.com
• Refunds are processed back to the original payment method within 5-10 business days

Free Tier

We offer free access to certain features including limited AI Navigator queries, the Eligibility Wizard, and educational content. Free features may be modified, limited, or discontinued at any time without notice.

Content and Information

The information provided on TRICARE.com is for educational and informational purposes only. While we strive for accuracy, we make no warranties about:

• The completeness, reliability, or accuracy of information
• The suitability of information for your specific situation
• The availability or uptime of the service
• The accuracy of AI-generated responses

TRICARE policies, costs, and eligibility rules change regularly. Always verify current information at tricare.mil.

Intellectual Property

All content on TRICARE.com, including text, graphics, logos, and software, is the property of TRICARE.com or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

Disclaimer of Warranties

TRICARE.com is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the service will be uninterrupted, secure, or error-free.

Limitation of Liability

To the maximum extent permitted by law, TRICARE.com and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, or damages arising from reliance on information provided through the Site, AI Navigator, or any other tools, regardless of whether we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless TRICARE.com, its operators, and affiliates from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts of San Diego County, California.

Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through the Site or via email to registered users. Continued use of the service after changes constitutes acceptance of the new Terms.

Contact

If you have questions about these Terms of Service, contact us at:

• Email: support@tricare.com
• Mail: TRICARE.com, 13319 Poway Drive, #444, Poway, CA 92064
• Web: tricare.com/contact