PRECISION MEDICAL ANALYTICS – MEDICAL-LEGAL CONSULTING AGREEMENT

A Legal Disclaimer

PRECISION MEDICAL ANALYTICS

Medical-Legal Consulting Agreement — Terms & Conditions

1. SCOPE OF SERVICES

Precision Medical Analytics (the "Company") provides independent forensic medical consulting and clinical record analysis services exclusively for use by licensed attorneys, VA-accredited claims agents, veteran service organizations, veteran advocacy groups, and their authorized representatives. The Company is a Management Services Organization (MSO) and is not a law firm, a healthcare provider, or a VA-accredited claims agent. Nothing provided through these services constitutes legal advice or a legal opinion of any kind.

Corporate Structure. Precision Medical Analytics is a Management Services Organization (MSO). Clinical services are delivered exclusively by independent, licensed physician Professional Corporations engaged by PMA as subcontractors (each a "Specialist PC"). PMA does not employ physicians and does not direct or control the clinical judgment of any Specialist PC or its physicians. All fees collected by PMA are collected in PMA's capacity as the primary contracting party, not as agent for any Specialist PC.

No Physician-Patient Relationship. Use of these services does not establish a physician-patient relationship between any member of the Precision Medical Analytics expert panel and the veteran whose records are submitted. All affiliated clinicians act solely as independent forensic consultants operating through their respective professional corporations.

2. FEE STRUCTURE & PAYMENT

Payment. All fees are due and payable exclusively to Precision Medical Analytics. PMA is the sole invoicing and collecting party for all services rendered under this Agreement. Checks should be made payable to Precision Medical Analytics. ACH transfers and Stripe invoice payments are also accepted.

Phase 1 — Clinical Merit Review. The Clinical Merit Review is provided at no cost to the referring party. This complimentary review includes a comprehensive C-File audit, record indexing, and administrative feasibility assessment performed by our team to determine whether the available medical evidence supports proceeding to a full forensic opinion. No fee is charged for Phase 1, and no obligation to commission a Phase 2 opinion is created by submitting a case for merit review.

Phase 2 — Full Opinion (if merit is confirmed). If the Clinical Merit Review determines that the medical evidence supports proceeding, the referring party may commission a full forensic opinion at the following rates:

Independent Medical Opinion (Standard) — $1,500 Environmental / Toxic Exposure Review — $2,000 Subspecialty Cardiovascular Opinion — $2,500 BVA Remand / ACE Rebuttal Analysis — $2,500

Full payment of the applicable Phase 2 fee is due prior to commencement of opinion drafting.

Negative Merit Finding. If the Clinical Merit Review determines that the available evidence does not support a medical nexus, no further work will be performed and the engagement concludes at no cost. The referring party will be notified in writing of the negative finding.

Cancellation. If a referring party elects to cancel a Phase 2 commission after a positive Phase 1 merit determination but before delivery of the completed Opinion, any Phase 2 fee already remitted will be refunded less a $250.00 administrative processing fee. No refund is available once the completed Opinion has been delivered to the referring party.

3. NO GUARANTEE OF OUTCOME

The Company provides independent forensic medical opinions based strictly on the clinical evidence presented. We do not guarantee any specific legal outcome, VA benefit award, disability rating, or claims decision. All VA benefit determinations are made solely by the Department of Veterans Affairs. No opinion produced by Precision Medical Analytics constitutes a representation or warranty regarding the outcome of any claim, appeal, or adjudication.

4. HIPAA COMPLIANCE & DATA SECURITY

The Company maintains strict adherence to the Health Insurance Portability and Accountability Act (HIPAA), 45 C.F.R. Parts 160 and 164. All protected health information (PHI) must be transmitted exclusively through our secure, encrypted Partner Portal.

Business Associate Agreement (BAA). Prior to the transmission of any protected health information, a signed Business Associate Agreement must be fully executed between the referring party and Precision Medical Analytics. PMA will not open, process, or review any submitted records until a fully executed BAA is on file. Submission of records without a completed BAA does not constitute an authorized exchange of PHI under HIPAA, and PMA reserves the right to return or destroy any records transmitted in violation of this requirement.

5. TURNAROUND TIME

Precision Medical Analytics targets a 3-5 business day turnaround for completed opinions following receipt of all required records, full execution of all applicable agreements including a signed Business Associate Agreement, and payment of the applicable Phase 2 fee. Turnaround timelines may vary based on case complexity, C-File volume, and current caseload. Cases involving records exceeding 1,500 pages or complex BVA Remand instructions may require additional review time. Stated turnaround times are good-faith estimates and do not constitute a contractual guarantee of delivery within any specific timeframe.

6. REGULATORY COMPLIANCE

Precision Medical Analytics operates in full compliance with applicable federal and state regulations. We are not VA-accredited claims agents or attorneys and do not prepare, file, or prosecute VA disability claims on behalf of any individual veteran.

California Clients. Services are provided in compliance with California SB 694 (enacted 2023). Precision Medical Analytics does not engage in conduct defined as "claim shark" activity under California Business and Professions Code §9554.

7. INTELLECTUAL PROPERTY

Proprietary IP. All Record Maps, triage algorithms, administrative audit frameworks, forensic templates, evaluation matrices, and internal methodologies developed by PMA (collectively, "Proprietary IP") are and shall remain the exclusive property of Precision Medical Analytics and constitute trade secrets under California Civil Code §3426.1.

Opinion License. The final executed Forensic Medical Opinion is licensed to the referring party on a non-exclusive, non-transferable basis solely for use in the specific legal or administrative proceeding for which it was commissioned. No broader license, ownership transfer, or right to redistribute is implied or granted. The referring party may not reproduce, resell, or represent the Opinion as their own work product.

8. LIMITATION OF LIABILITY

The Company's liability to any referring party or client shall be limited to the fees paid for the specific service giving rise to any claim. Precision Medical Analytics shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to the use of its services, including but not limited to any adverse VA determination, claim denial, or appellate outcome.

9. GOVERNING LAW & VENUE

This Agreement 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 under this Agreement shall be subject to the exclusive jurisdiction of the courts located in Los Angeles County, California.

10. AGREEMENT TO TERMS

By submitting a case through the Precision Medical Analytics intake form or Partner Portal, the submitting party confirms that they have read, understood, and agreed to all terms set forth in this Medical-Legal Consulting Agreement, and that they are authorized to submit the records and information provided on behalf of their client.