Disclaimer

Last updated: February 16, 2026

1. General Disclaimer

The information, tools, calculators, and content provided on the RAF Revenue website (www.rafrevenue.com) are intended for informational and educational purposes only. RAF Revenue is a product of VBC Risk Analytics.

Nothing on this website constitutes financial, actuarial, legal, medical, or professional advice. You should consult with qualified professionals before making any financial, business, or operational decisions based on information or outputs from our tools.

2. No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of:

  • The information contained on this website.
  • Revenue projections, RAF score calculations, or financial estimates generated by our modeling tools.
  • CMS rate tables, normalization factors, risk adjustment parameters, or any other regulatory data referenced by our tools.
  • Any related graphics, data, or content on the website for any purpose.

Any reliance you place on such information is strictly at your own risk.

3. Financial Modeling Limitations

The revenue estimates, financial projections, and modeling outputs generated by our calculators and tools are subject to important limitations:

  • Estimates Only: All outputs are estimates based on the inputs you provide and publicly available CMS formulas. Actual revenue outcomes may differ significantly due to factors beyond the scope of our models.
  • Input Dependency: The quality and accuracy of outputs depend entirely on the accuracy of inputs you provide. Incorrect or incomplete inputs will produce unreliable results.
  • Regulatory Changes: Medicare Advantage payment rates, risk adjustment models, normalization factors, and regulatory requirements are subject to change by CMS. Our tools may not immediately reflect the latest regulatory updates.
  • Simplification: Our models simplify complex contract economics for modeling purposes. They do not account for every variable, contractual nuance, or organization-specific factor that may affect actual revenue.
  • Not Actuarial Advice: Our tools are not a substitute for a comprehensive actuarial analysis or engagement with qualified actuarial professionals.

4. Not Professional Advice

The content on this website, including articles, guides, and educational resources, does not constitute:

  • Financial Advice: We do not provide personalized financial recommendations. Consult a qualified financial advisor for your specific situation.
  • Legal Advice: Information about regulations, compliance, and contracts is for educational purposes only. Consult qualified legal counsel for legal matters.
  • Medical or Clinical Advice: References to medical coding, HCC conditions, or clinical documentation are for financial modeling context only and should not be used for clinical decision-making.
  • Actuarial Advice: Our tools and content do not replace the judgment and analysis of qualified actuarial professionals.

5. Use at Your Own Risk

You acknowledge and agree that:

  • Your use of our tools, calculators, and content is entirely at your own risk.
  • You are solely responsible for any decisions, actions, or strategies you undertake based on information or outputs from our Services.
  • We shall not be held liable for any losses, damages, or adverse outcomes resulting from your reliance on our tools or content.

6. Third-Party Content and Links

This website may contain links to external websites and references to third-party data, including CMS publications, regulatory documents, and industry resources. We do not:

  • Control or endorse the content of any third-party website.
  • Guarantee the accuracy or availability of third-party data or resources.
  • Accept responsibility for any loss or damage arising from your use of third-party content.

7. CMS and Government Data

Our tools reference data published by the Centers for Medicare & Medicaid Services (CMS) and other government agencies. This data is publicly available and subject to change. We are not affiliated with, endorsed by, or sponsored by CMS, HHS, or any other government agency. References to CMS programs, models, or data are for informational purposes only.

8. Availability and Modifications

We reserve the right to:

  • Modify, suspend, or discontinue any part of the Services at any time without prior notice.
  • Update our tools, models, and content to reflect new data, methodologies, or regulatory changes.
  • Update this Disclaimer at any time. Changes take effect immediately upon posting.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VBC RISK ANALYTICS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR RELIANCE ON THE SERVICES, TOOLS, CONTENT, OR ANY INFORMATION PROVIDED ON THIS WEBSITE.

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless VBC Risk Analytics from any claims, damages, liabilities, and expenses arising out of your use of the Services or any decisions made based on the information or outputs provided by our tools.

11. Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

12. Contact Us

If you have any questions about this Disclaimer, please contact us: