1. Important Disclaimer — Please Read Carefully

HeroBenefits provides general-purpose reference tools and calculators compiled from publicly available information. These tools were created by civilians — Orlando Lopez and Paul Kruger — with the assistance of artificial intelligence (AI) technology. They have not been reviewed, validated, or endorsed by any emergency services agency, medical professional, or government body.

These tools are for informational and educational purposes only. They are not a substitute for:

• Professional training or certification
• Your department's official protocols and procedures
• Certified medical or emergency equipment
• Advice from a licensed medical, legal, or emergency services professional

Do not use these tools to make operational, clinical, or emergency response decisions. In any emergency situation, always follow your agency's official protocols and consult qualified personnel.

AI-assisted tools may contain errors, omissions, or oversimplifications. HeroBenefits makes no representation that the information contained in these tools is accurate, complete, current, or suitable for any particular use. You assume all risk associated with the use of these tools.

2. No Affiliation

HeroBenefits is a private, charitable initiative operated by individuals. It is not affiliated with, endorsed by, or connected to any fire department, EMS agency, law enforcement agency, military branch, hospital, medical institution, or government entity at any level. Any imagery depicting uniforms, emergency vehicles, or official insignia is used for illustrative purposes only.

3. No Warranty

All tools, calculators, and downloadable files are provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. HeroBenefits does not warrant that the tools will be error-free, uninterrupted, or free of harmful components.

4. Limitation of Liability

To the fullest extent permitted by applicable law, HeroBenefits, its operators, contributors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or reliance on any tool, calculator, or content on this site
• Errors, inaccuracies, or omissions in any content
• Any injury, property damage, medication dosing error, or operational mistake
• Downloading or installing any file from this site

This limitation applies even if HeroBenefits has been advised of the possibility of such damages.

5. Terms of Use

By accessing this website or downloading any file, you agree to the following:

• You will use these tools for personal, informational, or educational purposes only
• You will not use these tools to make operational, clinical, or life-safety decisions without verifying accuracy through official sources
• You will not redistribute, sell, or sublicense any downloaded file without permission
• You acknowledge that you have read and understood this disclaimer
• You accept sole responsibility for any use you make of these tools

6. Free & Charitable Use

HeroBenefits is a charitable initiative. All tools are provided free of charge as a gesture of appreciation for first responders and emergency personnel. No commercial relationship is created by your use of this site or its tools.

7. AI-Assisted Content

Some calculators and reference materials on this site were developed with the assistance of artificial intelligence tools. While we have made reasonable efforts to verify content against publicly available guidelines, AI-generated content may contain errors. Always cross-reference against your agency's current, official documentation.

If you are an active or retired first responder and determine through your professional experience that these tools are accurate and useful, we'd genuinely love to hear from you — please let us know. Your feedback helps us improve and provides valuable real-world validation.

8. Changes to These Terms

HeroBenefits reserves the right to modify these terms at any time. Continued use of the site following any changes constitutes acceptance of the revised terms. The date at the top of this page reflects the most recent update.

9. Contact

Questions about these terms? Contact us here.