Terms of Service

1. "Services" refers to the AI-powered personalized insight reports and analytical content provided by 1Fate.

2. "User" refers to any person who uses the Services provided by the Company in accordance with these Terms.

3. "Digital Content" refers to reports such as LifeBook, YearBook, etc. provided by the Company (web-based or PDF download).

4. "Subscription Service" refers to a service that provides access to specific content for a designated period.

5. "Account" refers to the personal identification information created by users to use the Services.

The Company provides the following Services:

1. LifeBook: Personal traits and pattern analysis report (one-time purchase)

2. YearBook: Annual timing insight report (one-time purchase)

3. Simsang Chat: AI-powered personalized consultation service (included in subscription / token-based)

4. Daily Calendar: Daily timing insights (free/premium)

Our Services provide digital content that interprets traditional Eastern metaphysics through AI technology, serving as reference material for personal insights.

1. The agreement is formed when the user agrees to these Terms and completes registration.

2. The Company may refuse or withhold approval in the following cases:

a. Using a false name or another person's identity

b. Providing false information or failing to provide required information

c. When approval is impossible due to the user's fault or violation of other provisions

1. Payment

a. Payment for paid services is processed through payment methods provided by the Company, including credit cards, digital wallets, and bank transfers.

b. Digital reports are generated and provided immediately upon payment completion. Reports can be viewed in your archive as long as you maintain your account, and downloads are available for 6 months from the date of purchase.

2. One-Time Purchase Refunds

a. Due to the nature of digital content, refunds are not available after content has been viewed.

b. Refunds are available in the following cases:

- Content has not been viewed within 7 days of purchase

- Service outage prevents access to content

- Duplicate payment has occurred

c. Refund requests are processed through customer support within 3-5 business days.

3. Subscription Refunds

a. Monthly billing: Refunds are prorated by excluding the days the service was used. The daily rate is calculated by dividing the monthly fee by 30 days.

b. Annual billing: Refunds are calculated by dividing the total annual fee by 12, then prorating the daily amount for the remaining period.

c. From 24 hours to 15 days after payment, refunds are prorated based on the remaining days.

d. Cancellation at least 7 days before the renewal date prevents the next billing cycle.

1. The Company may modify the Services for operational or technical reasons with valid cause.

2. The Company may temporarily suspend Services due to force majeure events, server failures, or other unavoidable circumstances, with prior or subsequent notice.

Users shall not engage in the following activities:

1. Registering false information during signup or modification

2. Using another person's information

3. Infringing on the Company's intellectual property rights

4. Copying, distributing, or commercially using information obtained through the Services without the Company's consent

5. Intentionally interfering with the Company's service operations

6. Reselling or distributing purchased digital content to third parties

1. The Company hopes all users find inspiration in life through our Services. Personal use — such as sharing with family and friends, gifting printed reports, or keeping them for personal reference — is actively encouraged and has no restrictions whatsoever.

2. However, as our Services are provided as a personal plan, those who wish to use them for commercial purposes — such as professional consulting or corporate marketing tools — must first consult with the Company and obtain a business license.

3. Commercial use without prior agreement (e.g., reselling generated content for profit) is considered detrimental to normal service operations. In such cases, to protect the Service and ensure a fair usage environment, a standard business licensing fee (the greater of KRW 5,000,000 or 10 times the revenue obtained through the unauthorized use) may be retroactively charged, and service access may be restricted.

4. Additionally, for each individual piece of content (reports, consultation results, etc.) generated during the unauthorized use, a business usage fee of at least KRW 50,000 per item shall be retroactively applied.

5. The above business licensing fees do not affect the Company's right to claim actual damages. The Company may separately claim all direct and indirect damages arising from the unauthorized use, including investigation and legal costs.

6. To protect the service environment for good-faith users, the Company may monitor abnormal usage patterns. If the use of automated tools or abnormal scripts is detected, access to the Service may be restricted. Specific detection criteria and algorithms are not disclosed for security purposes.

7. If abnormal use is detected, the Company will provide the user with an opportunity to explain, and restrictions may be lifted based on the outcome of that review.

1. The Company complies with applicable laws and these Terms, and strives to provide continuous and stable Services.

2. The Company establishes security systems to protect user personal information and publishes and adheres to its Privacy Policy.

3. The Company processes user feedback and complaints deemed legitimate regarding Service usage.

1. Our Services provide digital content as reference material for insights and do not replace medical, legal, financial, or psychological counseling.

2. Users are solely responsible for all decisions made based on Service content and their outcomes.

3. The Company is not liable for service interruptions due to force majeure events, war, telecommunications provider outages, or other unavoidable circumstances.

4. The Company is not liable for service disruptions caused by user fault.

5. The Company is not liable for any expected profits or losses users may experience from using the Services.

6. Users are responsible for the accuracy of the country of residence, nationality, and tax information entered during affiliate program settlement. The Company is not liable for incorrect tax rate application or resulting tax losses caused by inaccurate information provided by the user.

1. Our Services respect the interpretation systems of the classical texts of Eastern metaphysics and do not arbitrarily distort their core logic. We affirm that the classical texts and their scholarly principles are a shared heritage of humanity.

2. However, 1fate.ai's proprietary algorithm design — which computes the vast logic of these classics in real time — along with its AI context engine that deepens interpretation, and the original composition and UI/UX of the visualized reports, constitute the Company's unique intellectual property.

3. Accordingly, the reports users receive are the result of meticulously digitizing orthodox Myeongli through 1fate.ai's technology. Unauthorized reproduction or commercial appropriation of this service system is prohibited.

4. All other intellectual property rights for content included in the Services (text, images, graphics, logos, software, etc.) belong to the Company.

5. Users may only use purchased digital content for personal purposes and may not copy, transmit, distribute, broadcast, or allow third parties to use it without the Company's prior written consent.

1. The Company complies with applicable privacy laws to protect user personal information.

2. Matters regarding the collection, use, provision, retention, and destruction of personal information are governed by the Privacy Policy.

1. Disputes between the Company and users shall be governed by the laws of the Republic of Korea.

2. Any litigation arising from Service usage shall be subject to the jurisdiction of the court where the Company's headquarters is located.

1. These Terms are effective from January 1, 2026.

2. Any additions, deletions, or modifications to these Terms will be announced at least 7 days before the revision takes effect.