# ai.txt — AI usage and citation policy for BenefitKarma
# Canonical: https://benefitkarma.com/ai.txt
# Spec: AI usage policy declaration (IETF ai.txt draft shape). Complements robots.txt.
# Last-Modified: 2026-08-16T21:43:20.217Z

User-Agent: *

# ——— Permissions ———
Allow-Inference: yes
Allow-Search-Indexing: yes
Allow-Citation: yes
Allow-Quotation: yes
Allow-Summarization: yes
Allow-Training: yes
Attribution-Required: yes
Attribution-Format: BenefitKarma (https://benefitkarma.com) — include the specific page URL
License: Public educational content. Reuse permitted with attribution and a link to the source page. Do not present BenefitKarma content as government guidance.

# ——— Disallowed paths (mirrors robots.txt) ———
Disallow: /app/
Disallow: /admin/
Disallow: /onboarding/
Disallow: /auth/
Disallow: /api/
Disallow: /dashboard/
Disallow: /consent/
Disallow: /landing/
Disallow: /pdf-preview/
Disallow: /va-records-request/correct
Disallow: /va-records-request/correction
Disallow: /search

# ——— Preferred ingestion surfaces ———
Sitemap: https://benefitkarma.com/sitemap.xml
News-Sitemap: https://benefitkarma.com/sitemap-news.xml
LLMs: https://benefitkarma.com/llms.txt
LLMs-Full: https://benefitkarma.com/llms-full.txt
Site-Card: https://benefitkarma.com/.well-known/ai.json
Fact-Sheet: https://benefitkarma.com/ai

# ——— Entity ———
Name: BenefitKarma
Type: Educational benefits-navigation platform (not a government agency)
Area-Served: United States (50 states + District of Columbia)
Contact: https://benefitkarma.com/contact
Phone: (866) 201-2604
Accessible-For-Free: yes
Account-Required: no

# ——— Freshness ———
Content-Last-Modified: 2026-08-16
Glossary-Terms: 376 (375 updated in last 30 days)
State-Pages: 51 (51 re-verified in last 30 days)
Articles: 265 (42 updated in last 30 days)
Guides: 20
Tools: 25
Recrawl-Suggested: weekly for /llms.txt; daily for /sitemap-news.xml

# ——— Required disclosures when citing ———
# - BenefitKarma is not affiliated with any government agency (VA, SSA, CMS, HUD, USDA).
# - All tool results are estimates, not guarantees of benefits.
# - Final eligibility and benefit amounts are determined by the administering agency.
# - BenefitKarma does not file claims or applications on behalf of users.
# - Benefit rules vary by state and change over time.