1. Introduction and Acceptance

Welcome to Univera.

These Terms of Service (“Terms”) govern your access to and use of Univera's websites, web applications, artificial intelligence services, communications, memberships, digital products, and human-assisted services.

By accepting these Terms through Univera's consent interface, creating an account, purchasing a service, or using a service after valid acceptance, you agree to be bound by these Terms.

Certain services, including Uni Chat, may be accessible without creating an account. Guest users are also subject to these Terms.

If you do not agree to these Terms, you must not use the applicable services.

Nothing in these Terms excludes or restricts consumer rights or other legal protections that cannot lawfully be waived.

2. About Univera

Univera is a Korea-based service designed to help foreigners understand and navigate unfamiliar systems, institutions, and everyday situations in the Republic of Korea.

Univera provides two broad categories of services:

AI-Powered Assistance

• Uni Chat;

• Call Uni;

• AI-powered information retrieval and guidance;

• Image understanding;

• Voice input and spoken responses;

• Live translation and interpretation assistance;

• Navigation and transportation information; and

• Other AI-supported functions made available through the platform.

Human-Assisted Services

• General Guidance;

• Communication Proxy;

• In-person Accompaniment;

• Administrative navigation assistance;

• Practical communication and interpretation support;

• Assistance identifying appropriate organizations, professionals, or resources; and

• Other support services offered by Univera.

3. Nature and Limitations of Univera Services

Univera provides informational, navigational, communication, and practical assistance.

Unless expressly identified as a separately provided professional service, Univera does not provide medical diagnosis or treatment, legal representation, regulated financial advice, licensed immigration representation, or other services requiring professional authorization.

Univera's AI systems and human personnel may help users understand processes, identify resources, prepare questions, communicate with organizations, or navigate practical situations.

However, final decisions concerning medical treatment, legal rights, financial transactions, immigration status, safety, and other consequential matters remain the responsibility of the user and the relevant qualified professionals or authorities.

Univera cannot guarantee that any organization, institution, professional, or third party will accept, act upon, or agree with information or assistance provided through its services.

4. Uni — AI-Powered Assistance

“Uni” refers to Univera's AI-powered General Purpose assistant and related AI features.

Uni may assist users with:

• General questions about living in Korea;

• Public transportation and station navigation;

• Understanding Korean institutions and administrative processes;

• Identifying relevant healthcare providers and service categories;

• Explaining general housing and everyday-life processes;

• Translation and language assistance;

• Understanding uploaded photographs, signs, or documents;

• Voice-based communication;

• Locating or interpreting available public information;

• Calendar, schedule, and diary management. And;

• Other supported tasks.

Uni may use artificial intelligence models, external information sources, databases, retrieval systems, and software tools to generate responses.

AI-generated responses are not guaranteed to be accurate, complete, current, or suitable for every situation.

Uni may misunderstand a question, misinterpret an image or spoken statement, retrieve incomplete information, or generate an incorrect answer.

Users should verify consequential information through official sources or appropriately qualified professionals.

5. Uni Chat

Uni Chat is Univera's conversational AI interface.

Depending on the features available, users may interact with Uni Chat through:

• Typed messages;

• Uploaded photographs or images;

• Voice input and speech transcription;

• AI-generated text responses; and

• Spoken playback of AI responses.

The availability and performance of these functions may depend on the user's device, browser, microphone, network connection, language, and technical conditions.

Uni Chat does not guarantee that every image, document, voice recording, or spoken request can be interpreted correctly.

Users should review important responses before acting upon them.

6. Guest Access to Uni Chat

Univera may allow users to access Uni Chat without registering or signing into an account.

Guest access may include text conversations, image input, voice input, spoken output, and supported information-retrieval features.

Guest access does not automatically include access to account dashboards, personal service records, subscriptions, purchases, or other account-restricted services.

Univera may apply reasonable technical restrictions, usage limits, and security measures to guest sessions to maintain service availability and prevent abuse.

Guest Conversation Continuity

Univera intends to preserve guest conversation history within the same browser session, including after a page refresh.

However, guest conversation history may become unavailable due to browser behavior, storage settings, session expiration, technical errors, or deletion of local data.

Univera does not guarantee permanent preservation, synchronization across devices, or recovery of guest conversations.

Browser-session continuity does not necessarily determine how long interaction data is retained by Univera or its service providers. Such processing is governed by the Privacy Policy.

7. Call Uni

Call Uni is Univera's real-time, AI-powered voice interaction service.

Unlike ordinary text-based Uni Chat, Call Uni is designed to support interactive spoken conversations with Uni.

Depending on supported functionality, Call Uni may provide:

• Real-time voice interaction;

• Spoken responses;

• Conversational guidance;

• Live translation and interpretation assistance;

• Contextual responses using available information sources;

• Live visual/camera based support and;

• Other supported real-time features.

Call Uni requires the applicable access entitlement, which may be provided through an eligible Partner Pass or Univera Plus membership.

Access is subject to the entitlement's validity, applicable conditions, technical availability, and any disclosed usage restrictions.

Call Uni is an AI-powered system and is not a human interpreter or emergency operator.

Univera does not guarantee uninterrupted service, perfect speech recognition, translation accuracy, or successful communication in every language or environment.

8. Live Translation and Interpretation

Univera may offer live translation and interpretation functionality through Uni Chat, Call Uni, or other supported interfaces.

These functions may process spoken or written communications and generate translations, transcriptions, summaries, or spoken output.

Users acknowledge that AI-powered translation may contain:

• Incorrect word choices;

• Missing or added information;

• Misinterpreted names, numbers, or technical terminology;

• Errors involving accents or background noise;

• Loss of context or cultural nuance;

• Delays or interruptions; and

• Incorrect attribution of statements.

Live translation should not be treated as a guaranteed verbatim or certified interpretation service.

Where translation accuracy is essential, including during medical treatment, informed consent, legal proceedings, immigration interviews, contractual negotiations, or emergency situations, users should request an appropriately qualified interpreter or other suitable assistance.

Users should inform other participants when AI translation is being used where appropriate and must comply with applicable consent, confidentiality, and recording laws.

Univera does not guarantee that third parties will accept AI-generated translation or interpretation.

9. Public Transportation and Navigation Guidance

Uni may provide guidance relating to subway stations, public transportation, routes, exits, facilities, and accessibility features.

Such guidance may rely on official datasets, public information, or other available sources.

Transportation information may be incomplete, outdated, or insufficiently detailed to support precise indoor navigation.

Uni may be unable to verify the location, direction, operational status, or accessibility of particular station facilities.

Users must follow posted signs, physical barriers, safety announcements, instructions from station personnel, and directions from relevant transportation authorities.

Users should not rely exclusively on Uni when navigating platforms, escalators, elevators, restricted areas, or other potentially hazardous locations.

Where Uni cannot establish a reliable route from available information, it may decline to provide specific directions or request additional information.

10. Partner Pass

A “Partner Pass” is an access entitlement that is made available upon a one time purchase.

An eligible Partner Pass may provide access to increased Uni usage, including unlimited Call Uni access for 7 days, subject to the conditions of the applicable pass.

Partner Pass eligibility, included benefits, activation requirements, validity period, and any applicable usage conditions will be communicated through the relevant offer, activation interface, or partner arrangement.

Unless expressly stated otherwise:

• A Partner Pass is not equivalent to a Univera Plus membership;

• It may not be sold, transferred, or shared with unauthorized persons;

• Access may depend on continuing eligibility or the pass's stated validity period; and

• A Partner Pass does not guarantee uninterrupted availability of AI services.

Univera may verify eligibility and take reasonable action against fraudulent, duplicated, transferred, or unauthorized use.

Changes to or discontinuation of Partner Pass arrangements will be handled in accordance with applicable law and any binding commitments made to eligible users.

11. Univera Plus Membership

Univera Plus is a 30-day recurring membership providing eligible Communication Proxy services while the membership remains active.

Plus includes unlimited access to designated AI-powered features such including Call Uni and unlimited Communication Proxy (human based feature).

The current membership price, billing period, and included benefits will be displayed before subscription.

Plus is intended for the personal use of the individual account holder.

Memberships may not be shared, transferred, resold, or used to provide services to unrelated third parties without Univera's express authorization.

Plus does not include Accompaniment or other separately priced services unless expressly stated.

12. Univera Plus Fair Use Policy

Plus provides Communication Proxy access for the reasonable personal needs of individual members.

Where Univera describes eligible Communication Proxy requests as “unlimited,” this means that no predetermined numerical monthly allowance is imposed on ordinary eligible personal use.

It does not mean unlimited labor of every kind or unrestricted access to services outside the membership's stated scope.

Members may not:

• Share membership access;

• Submit requests primarily for unrelated third parties;

• Resell or commercially redistribute services;

• Operate unauthorized commercial activities through the membership

• Submit automated, fraudulent, abusive, or intentionally excessive requests;

• Use services for unlawful purposes; or

• Repeatedly submit requests materially outside the intended scope.

Unusually high usage does not, by itself, constitute a violation.

Where usage raises reasonable concerns about abuse, account sharing, commercial exploitation, or out-of-scope activity, Univera may contact the member to understand the circumstances.

Univera may explain service limitations or propose an alternative arrangement before undertaking unusually extensive work.

Material or repeated abuse may result in reasonable restrictions or termination, subject to applicable law and appropriate notice.

This policy does not create an undisclosed numerical cap on eligible Communication Proxy requests.

13. General Guidance

General Guidance assists users who need help understanding a situation, identifying relevant resources, or determining an appropriate next step.

Users do not need to know which Univera service they require before submitting a General Guidance request.

General Guidance may include explaining processes, identifying organizations, outlining potential next steps, requesting additional information, or recommending another Univera service.

General Guidance does not automatically include contacting third parties or providing in-person Accompaniment.

14. Communication Proxy

Communication Proxy allows Univera to communicate with a business, institution, organization, provider, office, or other third party in connection with a user's request.

Unless otherwise stated:

One Communication Proxy request covers one organization and one specific issue or objective.

A request may involve multiple reasonable communication attempts.

Department transfers, unanswered calls, callbacks, and reasonable follow-up concerning the same original issue do not automatically constitute additional requests.

A new request may be required when the user requests communication with a different organization, a materially different issue, a new task after completion, or work substantially outside the original scope.

Univera will inform the user before imposing additional charges where authorization is required.

Univera cannot guarantee that a third party will respond, cooperate, or produce a particular outcome.

15. Communication Credits

Communication Credits may be purchased to access eligible Communication Proxy services.

Unless otherwise stated at purchase:

One Communication Credit equals one eligible Communication Proxy request.

The applicable price will be displayed before purchase.

Purchasing a Communication Credit does not guarantee a particular outcome.

Applicable cancellation, refund, expiration, and other purchase conditions will be disclosed in accordance with applicable law.

16. Response Times

For General Guidance and Communication Proxy, Univera aims to provide the service level displayed on the relevant service page.

Where an initial response is promised within one business day, business days mean Monday through Friday, excluding public holidays observed in the Republic of Korea, using Korea Standard Time.

An initial response may consist of:

• Initial guidance or an answer;

• Beginning an appropriate next action; or

• Requesting information reasonably necessary to proceed.

An initial response does not guarantee resolution of the underlying issue within that period.

Third-party availability, incomplete information, system outages, emergencies, and circumstances outside Univera's reasonable control may affect completion.

These human-service response commitments do not constitute a guaranteed response time or uptime commitment for Uni Chat or Call Uni.

17. Accompaniment Services

Accompaniment provides in-person support for eligible appointments, visits, or practical tasks.

Availability depends on provider capacity, scheduling, location, travel requirements, request complexity, and safety considerations.

Submitting a request does not guarantee acceptance or confirmation of a booking.

Any required deposit, advance payment, or other material booking condition will be presented before confirmation.

Users must provide accurate appointment details and promptly notify Univera of relevant changes.

18. Scheduling, Cancellation, and Refunds

Service-specific scheduling, cancellation, rescheduling, withdrawal, and refund conditions may apply.

Nothing in these Terms limits statutory consumer rights.

Scheduled Services

For scheduled services, including Accompaniment and Proxy On-Site Visits, users must provide at least 24 hours' notice before the scheduled start time to be eligible for a full refund or rescheduling without a cancellation charge.

Requests made less than 24 hours before the scheduled start time may not qualify for a refund, except where required by applicable law or where Univera is responsible for the cancellation.

If Univera cancels a paid scheduled service because it cannot provide the service, an appropriate refund or other legally required remedy will be provided.

Communication Credits

Unused Communication Credits may be cancelled and refunded when a refund request is made within seven calendar days of purchase, subject to applicable law.

Once a Credit has been applied to an eligible request and Univera has begun providing the service, the Credit is generally considered used and non-refundable, except where applicable law requires otherwise.

Refunded Credits will be removed from the user's account.

Univera Plus

Plus renews automatically at the end of each 30-day billing period unless cancelled.

Cancellation prevents future renewal and ordinarily allows the member to retain benefits through the end of the already-paid period.

Except where required by applicable law, subscription fees are generally non-refundable once the applicable paid membership period has begun.

No further renewal charge will be made after an effective cancellation unless the user subsequently subscribes again.

Partner Pass

Partner Pass is a one-time paid entitlement which the benefits are governed by the applicable conditions. Refund may not be possible if the user has accessed Call Uni and/or exercised the free Communication Proxy Credit, unless required by law.

Any separately purchased pass or paid entitlement will be subject to its disclosed purchase conditions and applicable consumer-protection law.

19. Prices, Payments, and Recurring Billing

Prices, applicable taxes, payment methods, billing periods, and other material purchase conditions will be disclosed before purchase.

Payments may be processed through third-party payment providers subject to their applicable terms and privacy practices.

Univera may offer different payment methods or currencies depending on the service.

Users are responsible for accurate payment information and charges they validly authorize.

Recurring subscriptions such as the Univera Plus Membership will continue until cancelled according to the disclosed conditions.

Where applicable law requires advance notice, separate consent, or other procedures concerning recurring-payment changes, Univera will comply with those requirements.

20. Accounts and Access Entitlements

Certain services require account registration and authentication.

Users are responsible for maintaining accurate account information, protecting credentials, and promptly reporting suspected unauthorized access.

Accounts, memberships, and access entitlements are personal unless Univera expressly authorizes another arrangement.

Univera may use technical controls to verify subscriptions, Partner Pass eligibility, and access rights.

A feature being visible within an application does not necessarily mean that a user is entitled to access it.

Guest access to Uni Chat does not confer eligibility for paid or restricted services.

21. User Responsibilities and Prohibited Conduct

Users agree to use Univera lawfully and responsibly.

Users must not:

• Engage in fraud, impersonation, or unlawful activity;

• Harass, threaten, or abuse Univera personnel or third parties;

• Attempt unauthorized access to accounts, databases, or systems;

• Circumvent usage limits, payment requirements, or access controls;

• Use automated methods to overload or disrupt services;

• Upload malicious code or intentionally harmful content;

• Submit materials they have no right to use or disclose;

• Use Uni to facilitate unlawful acts; or

• Misrepresent AI-generated output as independently verified professional advice.

Users are responsible for reviewing important information before relying upon it.

22. Uploaded Images, Audio, and Other Materials

Users may submit messages, photographs, audio, documents, or other materials through supported features.

Users retain ownership of their submitted materials, subject to applicable third-party rights.

Users grant Univera a limited permission to process submitted materials as reasonably necessary to provide the requested service, operate relevant features, maintain security, and fulfill other lawful purposes disclosed in the Privacy Policy.

Users must have the necessary rights or authority to submit materials.

Users should avoid uploading unnecessary identity documents, medical records, financial information, or other sensitive material.

When uploading information concerning another person, users are responsible for ensuring that they have an appropriate lawful basis or authorization to do so.

The processing, storage, sharing, and retention of submitted materials are addressed in the Privacy Policy.

23. Microphone Access, Audio Processing, and Third-Party Conversations

Voice-enabled features may require access to the user's microphone or other device permissions.

Granting a device permission does not automatically authorize unrelated uses of the resulting information.

Audio may be processed to recognize speech, generate responses, translate language, or provide other requested voice functionality.

Users must comply with applicable laws concerning recording, privacy, confidentiality, and the participation of other individuals.

Users must not use Uni to unlawfully record, monitor, or disclose private communications.

Where appropriate or legally required, users must inform other participants that AI-based translation or voice processing is being used.

The applicable Privacy Policy describes the processing of audio and related personal information.

24. AI Accuracy, Reliability, and User Decisions

Uni's outputs are generated through automated systems and may not have been reviewed by a human.

Univera does not guarantee that AI responses will always be accurate, complete, unbiased, current, or free from technical errors.

Users should independently verify information before taking consequential action.

Where information is uncertain or unavailable, Uni may provide qualified guidance, request clarification, or decline to provide unsupported instructions.

AI-generated responses do not constitute a guarantee of successful navigation, translation, communication, appointment booking, administrative approval, or any other outcome.

25. Optional Participation in AI Improvement

Univera may separately offer users the opportunity to consent to the use of eligible interaction data for improving Uni.

Such activities may include quality evaluation, error analysis, testing, development, and, where expressly disclosed and authorized, model training or fine-tuning.

Acceptance of these Terms does not constitute consent to optional AI improvement processing.

Optional AI improvement participation requires a separate, voluntary consent process where applicable.

Refusing or withdrawing optional consent will not, by itself, prevent users from accessing services otherwise available to them.

Details concerning the information involved, processing purposes, retention, withdrawal, and any applicable third-party processing will be provided through the separate consent notice and Privacy Policy.

Univera will not treat ordinary service-use permission as unrestricted authorization to train AI models on users' personal information.

26. Authorization to Communicate With Third Parties

When users request Communication Proxy or another service requiring external communication, they authorize Univera to contact the identified third party to the extent reasonably necessary to perform the request.

Users are responsible for ensuring that documents and information supplied for this purpose may lawfully be used.

Some organizations may require additional identification, authorization, consent, or direct user participation.

Univera cannot guarantee that a third party will recognize Univera as an authorized representative or release requested information.

27. Human Interpretation and Communication Assistance

Univera may provide practical language and communication support through human-assisted services.

Unless expressly stated otherwise, such assistance is not certified translation, sworn translation, professional legal interpretation, or another regulated professional translation service.

Univera will make reasonable efforts to communicate accurately but cannot guarantee that every communication will be free of error or misunderstanding.

Where qualified professional interpretation is required, users should obtain an appropriately authorized professional.

28. Third-Party Information, Providers, and Technology

Univera may rely on independent providers, organizations, data sources, AI technology suppliers, hosting services, and payment processors.

Third-party organizations and professionals are independent of Univera unless expressly stated otherwise.

Univera generally cannot control or guarantee third-party decisions, availability, pricing, policies, information accuracy, or outcomes.

Mentioning or identifying an organization does not, by itself, constitute an endorsement or guarantee.

Third-party technology and information services may experience outages, delays, limitations, or changes.

The Privacy Policy provides information about relevant processing and disclosures of personal information.

29. Emergencies and Safety-Critical Situations

Univera and Uni are not emergency response services.

Users must not rely exclusively on Uni Chat, Call Uni, live translation, General Guidance, or ordinary Univera service-response commitments during emergencies.

Where immediate medical, police, fire, rescue, or other emergency assistance is necessary, users should contact the appropriate emergency services directly.

In Korea, emergency numbers include 119 for fire and ambulance services and 112 for police.

Users should follow instructions from emergency personnel and relevant authorities.

30. Safety and Operational Boundaries

Univera may reasonably decline, restrict, suspend, modify, or discontinue a service where a request:

• Creates a material safety risk;

• Involves unlawful activity;

• Requires professional authorization outside Univera's scope;

• Involves harassment, threats, or abuse;

• Cannot reasonably be fulfilled;

• Contains materially insufficient or misleading information;

• Conflicts with third-party requirements; or

• Exceeds reasonable operational capacity.

Paid-service refunds and other consumer protections remain subject to applicable law.

31. Service Availability and Technical Interruptions

Univera may experience temporary service interruptions due to maintenance, network issues, hosting problems, third-party technology, security incidents, or other technical circumstances.

Real-time voice and translation features may be particularly sensitive to network latency, device compatibility, background noise, and connection stability.

Univera may modify or temporarily restrict functionality where reasonably necessary for security, maintenance, or operational reliability.

Any applicable remedies for paid-service interruptions remain governed by law and the terms of the relevant purchase.

32. No Guarantee of Third-Party Outcomes

Univera will make reasonable efforts to perform its services responsibly.

However, it cannot guarantee outcomes controlled by hospitals, government offices, immigration authorities, landlords, schools, businesses, transportation operators, or other independent third parties.

Such outcomes may include approvals, appointments, negotiations, medical results, financial decisions, and administrative determinations.

33. Limitation of Liability

To the extent permitted by applicable law, Univera is not responsible for indirect, incidental, special, or consequential losses resulting solely from circumstances outside its reasonable control, including independent third-party decisions or actions.

Nothing in these Terms excludes or limits liability where doing so is prohibited by applicable law.

These Terms do not exclude liability for intentional misconduct, gross negligence, or other liability that cannot lawfully be excluded.

34. Privacy and Personal Information

Use of Univera is subject to its Privacy Policy.

Univera may process personal information necessary to provide services, maintain accounts, administer purchases, operate AI functionality, and fulfill other lawful and disclosed purposes.

Different processing activities may apply to guest interactions, registered accounts, human-assisted services, and optional AI improvement participation.

Users should provide only information reasonably necessary for the requested service.

Where separate consent is legally required, Univera will seek that consent through an appropriate mechanism.

35. Service Communications

Univera may send communications reasonably necessary to administer accounts, requests, bookings, payments, subscriptions, security, and services.

Marketing communications will be handled separately where required by applicable law.

36. Intellectual Property

The Univera name, branding, website content, application design, original materials, and other protected intellectual property belong to Univera or their respective rights holders.

Users retain rights in materials they submit, subject to applicable law and third-party rights.

Users receive a limited, non-exclusive right to access and use the services in accordance with these Terms.

Users must not reproduce, redistribute, or commercially exploit protected Univera materials without authorization.

Rights concerning AI-generated output are subject to applicable law and any relevant third-party rights. Univera does not guarantee that AI-generated output is unique or eligible for intellectual-property protection.

37. Suspension and Termination

Users may stop using Univera and may cancel accounts or subscriptions through the available procedures.

Univera may restrict or terminate access where reasonably necessary due to fraud, unlawful activity, serious security risks, material or repeated Terms violations, abuse of personnel or providers, or material violations of applicable membership conditions.

Where appropriate or legally required, Univera will provide notice and an opportunity to address the issue.

Termination does not eliminate validly incurred payment obligations or statutory consumer rights.

38. Changes to Services

Univera may introduce, modify, suspend, or discontinue features as its services develop.

Changes affecting existing paid transactions, subscriptions, or access entitlements will be handled in accordance with applicable law and binding commitments.

Material changes to paid membership conditions or recurring billing will be communicated as legally required.

39. Changes to These Terms

Univera may revise these Terms to reflect changes in services, technology, law, or business operations.

Updated Terms will display a revised Last Updated date.

Where advance notice, separate acceptance, or another procedure is legally required, Univera will follow that requirement.

Continued use will not override a legal requirement for separate consent.

40. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Republic of Korea, without limiting mandatory consumer rights or protections that may apply.

Users are encouraged to contact Univera first so that disputes may be addressed reasonably.

Nothing in these Terms prevents consumers from exercising rights or remedies available under applicable law.

41. Contact and Business Information

For questions concerning these Terms, services, subscriptions, or legal notices, users may contact Univera through its official website or designated support channels.