Sample Business Associate Agreement (BAA) (placeholder)

This is a placeholder BAA. When a client or estate manager requests a signed BAA, provide an insurer/attorney-approved BAA. The BAA should cover:
- Definitions of PHI and permitted uses
- Safeguards & breach notification
- Termination & return/destruction of PHI
- Liability and indemnification

For production use, upload an official PDF to /public/docs/sample_baa.pdf