Terms of Service

These Terms aim to define the rights, obligations, responsibilities, conditions, and procedures between the Company and users regarding the use of the global medical commerce platform services provided by the Company.

The following definitions apply to the terms used herein:

① "Service" refers to the SaaS suite provided by the Company to medical institutions through the Kind Doctor Platform, including medical institution information surface, AI multilingual patient response, reservation management, CRM, payment information transmission SDK integration, multilingual foreign patient response tools, partner matching, and related supplementary SaaS. The Company does not directly operate any payment intermediation, fund transfer, escrow, or settlement deposit business. Payment processing, fund custody, settlement, and refund execution are performed directly by licensed Payment Gateway (PG) providers and the merchant medical institutions.

② "User" collectively refers to members, non-members (including anonymous session users), and hospital members who access and use the services under these Terms.

③ "Member" refers to an individual who has registered by providing personal information to the Company and can continuously use the Service.

④ "Non-member" refers to a person who temporarily uses the Service through magic links, AI chatbot, etc. without membership registration. Non-members are assigned anonymous sessions that are automatically deleted 7 days after last activity.

⑤ "Hospital Member" refers to a medical institution that has entered into a separate Platform Service Agreement (including electronic contracts) with the Company.

⑥ "Partner" refers to agencies, influencers, medical coordinators, etc. who have agreed to the Company's Partner Terms and provide patient referral or marketing services.

⑦ "Payment Gateway (PG)" refers to an entity licensed and registered under the Electronic Financial Transactions Act that processes payment information and receives/settles payment funds on behalf of merchant medical institutions. The Company is not a merchant of the PG and does not intervene in the custody or settlement flow of payment funds.

① These Terms become effective when posted on the Service or otherwise notified to users.

② The Company may amend these Terms within the scope of applicable laws.

③ Amendments will be announced at least 7 days before the effective date via service notices. Changes unfavorable to users will be announced at least 30 days in advance.

④ If a user does not agree to amended Terms, they may discontinue use and withdraw. Continued use after the effective date of amended Terms constitutes acceptance.

The Company provides the following B2B technology services. The Company is NOT a medical institution and is NOT a registered foreign-patient acquisition business. The Company does NOT directly acquire, refer, recommend, or arrange bookings for patients.

1. Patient-facing services (Hospital Directory)

Directory of registered medical institutions (information catalog)

User-driven search, filter, and self-discovery (Explore)

AI auto-response — based on data the hospital itself inputs and approves (per-hospital RAG)

14-language multilingual interface

All inquiries, bookings, and payments are conducted on the respective hospital's slug page

2. Hospital member services (B2B Infrastructure)

Per-hospital RAG (LLM) auto-response system

Hospital CRM (inquiry management, lead management, patient pipeline)

Reservation, payment, and settlement management (PG integration)

Marketing channel attribution and partner settlement infrastructure

Multilingual content auto-publishing (AEO)

Communication services (SMS, Kakao Alimtalk, email)

3. Partner services (Marketing Channel Operators)

Dedicated landing pages and tracking links

Marketing/content attribution tracking

Settlement reports (based on direct contracts between partner and hospital)

※ Limitations and responsibility allocation:

The Company does NOT perform medical services, diagnosis, prescription, or treatment-suitability judgment.

The Company is NOT a registered foreign-patient acquisition business. Acquisition, referral, recommendation, comparison, ranking, and booking confirmation for foreign patients are independently performed by registered medical institutions or registered foreign-patient acquisition businesses.

Responsibility for quality, outcomes, safety, pricing, consultation responses, and booking confirmation of medical services lies with the respective medical institution.

AI auto-response operates strictly on data the medical institution inputs and approves. Responsibility for the accuracy and legality of responses lies with the respective medical institution.

Patient-acquisition activities (advertising, content, channels) are performed independently by hospitals or by hospitals' designated agencies, content channels, and partners. The Company is not a party or agent to such activities.

Patient deposits and treatment payments are revenue of the medical institution itself; both the payment merchant and the settlement counterparty are the relevant medical institution. The Company does not hold, mediate, or settle any patient funds. Payment funds are settled directly to the merchant medical institution's account by the licensed Payment Gateway (PG). The Company's revenue consists solely of monthly SaaS fees (subscription, setup, AI usage, etc.) invoiced separately to the medical institution and is unrelated to patient payment amounts.

① Users may apply for membership by completing the registration form and agreeing to these Terms.

② The Company may refuse registration or subsequently terminate the agreement in the following cases:

Using another person's identity or providing false information

Having previously been disqualified for violating these Terms

Where service provision is technically impossible

③ Members must promptly update their registration information when changes occur.

④ Members are responsible for securely managing their account credentials (ID, password) and may not transfer or lend them to third parties.

⑤ Members are responsible for all activities conducted through their account. They must immediately notify the Company upon becoming aware of unauthorized use.

① Non-members may use certain services through magic links, AI chatbot, etc. without membership registration.

② Non-members are assigned temporary session tokens that are automatically deleted 7 days after last activity.

③ Non-members who complete OTP verification are upgraded to verified non-members with access to additional services.

④ The scope of services available to non-members is determined by the Company. Certain services such as reservations and payments may require membership registration or OTP verification.

① The Company provides AI-powered automated consultation, hospital information guidance, booking assistance, and multilingual translation services.

② AI services are limited to general informational purposes and **do not provide medical diagnosis, prescription, treatment recommendations, specific hospital endorsements (for advertising purposes), or guarantees of cure.**

③ All AI responses automatically include the disclaimer: "This response is for general informational purposes only. Please consult a medical professional for medical judgment and diagnosis."

④ Users must not rely solely on AI responses for medical decisions and should always consult qualified medical professionals.

⑤ Users may request connection to a human agent at any time during AI consultation.

⑥ During AI voice consultation, audio data is transcribed to text and the original audio is then deleted.

① When booking medical procedures through the Service, users shall make payments according to the methods guided by the Company.

② Payment processing is conducted through PortOne and affiliated PG companies (Toss Payments, Nice Payments, Kakao Pay, Naver Pay, etc.), and the Company does not directly store sensitive payment information such as credit card numbers.

③ Where a payment protection option (such as escrow self-provided by the PG) is selected by the medical institution, custody, release, and refund execution of such funds are performed by the PG. The Company does not hold such funds.

④ Payments are in principle denominated in Korean Won (KRW). For international card payments, any exchange rate differences applied by the user's card issuer are borne by the user.

⑤ The consideration received by the Company from medical institution members consists of monthly SaaS fees (subscription, setup, AI usage, etc.) defined in a separate SaaS service agreement, invoiced separately to the medical institution. The Company does not receive any fee deducted from or proportional to patient payment amounts.

⑥ Upon payment completion, users receive payment confirmation details (transaction number, amount, payment method).

① Users may request cancellation and refund for reserved services in accordance with the Company's Refund Policy.

② Detailed refund policy information is available on the separate "Refund Policy" page, which forms part of these Terms.

③ Where a medical institution has its own cancellation/refund regulations, the conditions more favorable to the user apply. However, if a procedure has already been performed, the medical institution's regulations take precedence.

④ The party deciding on refunds is the relevant medical institution, and refund execution is processed by the Payment Gateway (PG) to the original payment method. The Company provides only the technical interface for refund-intent transmission and status check; it does not hold refund funds nor act as the decision-maker for refund execution.

⑤ Refunds are returned via the original payment method, and fee deduction rates follow the Refund Policy.

① Hospital members must comply with the conditions of the Platform Service Agreement entered into with the Company.

② Hospital members have the obligation to ensure that medical institution information, medical staff profiles, procedure details, and pricing registered on the Service are accurate and up-to-date.

③ Hospital members must comply with applicable medical laws, medical advertising regulations, and other laws. All liability arising from legal violations rests with the hospital member.

④ Hospital members must provide appropriate medical services without discrimination to patients referred through the platform.

⑤ Subscription fees, commissions, and settlement conditions for hospital members are governed by the separate Service Agreement.

⑥ For disputes related to patient payments (such as chargebacks, payment authorization reversals, or sales cancellations from card issuers), the parties to such dispute are the merchant medical institution and the Payment Gateway (PG)/card issuer; the Company is not a party to the dispute. Upon the medical institution's request, the Company may provide operational cooperation such as dispute-fact confirmation, evidence-document provision, and customer communication.

⑦ If patient disputes or civil/criminal liabilities arise due to false or exaggerated information registered by hospital members on the Service (procedure efficacy, pricing, medical staff qualifications, etc.), such liability rests entirely with the relevant hospital member, and the Company bears no responsibility. The Company may suspend SaaS service provision pursuant to this Agreement and the separate SaaS service agreement in case of overdue/non-payment of SaaS fees or violations of this Agreement or the SaaS service agreement.

① Partners must comply with the Company's Partner Terms and Content Guidelines.

② Partners must conduct marketing activities in compliance with medical laws, medical advertising regulations, and other applicable laws.

③ Partners are prohibited from contacting patients directly outside the platform or transacting with hospitals by circumventing the platform.

④ Partner content (landing pages, marketing materials, etc.) must follow the Company's content review process, and high-risk content requires approval before publication.

⑤ The Company may immediately suspend or terminate partner status upon violation of Partner Terms.

The Company may restrict service use or terminate the account of users who:

Misappropriate another person's identity or provide false information

Interfere with normal service operation (hacking, crawling, automated abuse, etc.)

Violate medical laws or related regulations

Infringe on the rights of other users

Use the Service for unauthorized commercial purposes without prior consent

Infringe on the Company's intellectual property rights

Attempt to generate harmful content by abusing AI services

Otherwise violate applicable laws or these Terms

The Company will notify the reason and duration of any restriction via email or service notification. Users may raise objections within 14 days of notification.

① The Company may change service content for operational or technical reasons and will provide advance notice for material changes.

② The Company may temporarily suspend the Service due to force majeure events such as natural disasters, system failures, or security incidents.

③ The Company may temporarily restrict service use for scheduled maintenance, with advance notice.

① All intellectual property rights for content included in the Service (text, images, AI models, software, design, trademarks, etc.) belong to the Company.

② The original copyright of medical institution information, medical staff profiles, and procedure descriptions registered by hospital members on the Service remains with the respective hospital member. Hospital members grant the Company a license to use, reproduce, translate, and display such content within the scope of service provision.

③ Users may not reproduce, distribute, transmit, modify, or create derivative works from Service content without the Company's prior written consent.

④ Copyright in AI consultation dialogue content belongs to the Company and may be utilized in de-identified and aggregated form for service quality improvement.

① The Company does not directly perform medical services and does not guarantee the quality, outcomes, safety, or suitability of medical services provided by medical institutions. All responsibility for medical services rests with the respective medical institution.

② AI consultation services are for general informational purposes only and do not replace medical diagnosis or prescription. The Company bears no liability for consequences arising from medical decisions based on AI responses.

③ The Company has no obligation to intervene in transactions or disputes between users and medical institutions, between users and partners, or between users. However, the Company may provide mediation support for amicable resolution.

④ The Company is not liable for failure to provide the Service due to force majeure including natural disasters, war, cyber attacks, government action, communication failures, or outages of third-party services (PG, cloud, etc.).

⑤ Responsibility for the accuracy and legality of information provided by users within the Service (hospital reviews, consultation content, etc.) rests with the respective user.

⑥ The Company is not liable for damages arising from the user's own negligence (poor password management, inadequate device security, etc.).

① If the Company or a user causes damage to the other party by violating these Terms, the responsible party shall compensate for such damage.

② The Company's liability is limited to direct and proven damages to the maximum extent permitted by applicable law.

③ The Company bears no liability for damages arising from disputes between hospital members, between partners, or between users.

The processing of users' personal information is governed by the separate "Privacy Policy," which is available through the link at the bottom of the Service and forms part of these Terms.

① These Terms shall be governed by and construed in accordance with the laws of the Republic of Korea.

② Any disputes arising from service use shall be subject to the exclusive jurisdiction of the Seoul Central District Court as the court of first instance.

③ For international users, disputes may be resolved in accordance with applicable international private law provisions. EU residents may also use the European Online Dispute Resolution (ODR) platform.

④ In the event of a dispute, both parties shall negotiate in good faith before commencing litigation.

① Matters not stipulated in these Terms shall be governed by applicable laws and customary practices.

② If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

③ The Company's failure to exercise or delay in enforcing any provision of these Terms shall not constitute a waiver of that right.

Effective date: April 14, 2026