BagelChat Supplemental Terms for Members Outside the Republic of Korea (Non-Korea Supplement)

Preamble (Scope and Precedence)

These supplemental terms apply to Members residing outside the Republic of Korea and take effect together with the Common Terms. In case of conflict, these supplemental terms control for Members outside the Republic of Korea.

The Terms applicable to a Member residing outside the Republic of Korea consist of the Common Terms + these supplemental terms as a single set; the supplemental terms applicable to other residences do not apply. The binding language of these supplemental terms is English. Where the Common Terms provide that a matter is governed "as set out in the supplemental terms applicable to your country of residence" (such as eligibility and age, the Operator's limitation of liability, refunds and withdrawal, the validity period of Cream, payment and subscription, and governing law and dispute resolution), those matters are governed, for Members residing outside the Republic of Korea, by these supplemental terms.

Matters not specifically set out in these supplemental terms are governed by the Common Terms, the Privacy Policy, and the Operator's Operating Policy.

Part 1. Non-Korea-Only Provisions

Article 1 (Age-Restricted Content)

Certain content and features on the Service ("Age-Restricted Content") are intended only for Members who have confirmed their Age of Consent. Access to such content is granted only after the Member confirms eligibility by self-declaring their date of birth at the time of access. We rely on your self-declaration and do not require document upload or biometric verification.

Specific age thresholds applicable to particular content categories (including any Age-Restricted Content) are set forth in the Operating Policy.

Falsely declaring your date of birth, or attempting to access Age-Restricted Content without proper confirmation, is prohibited under Common Terms Article 9 (Obligations of the Member) and may result in immediate termination of your account.

This Article sets out residence-specific statutory carve-outs that apply to Members in the relevant jurisdictions. The refund and withdrawal framework itself is set out in Article 5 (Cancellation, Withdrawal, and Refunds) of these supplemental terms.

EU / UK / Swiss statutory cooling-off (digital content). For Members resident in the EEA, UK, or Switzerland, you may lose your statutory right to withdraw with respect to digital content only if you have given express prior consent and acknowledgement, at the time of purchase, that performance has begun and that your right to withdraw is lost (collected through the purchase UI). Where no such consent and acknowledgement was given, your statutory right to withdraw remains. The fee and refund consequences of withdrawal within the statutory cooling-off period are set out in Article 5.2.
CCPA and similar U.S. state privacy rights. Where the U.S. Children's Online Privacy Protection Act ("COPPA") applies, the carve-out in Article 4 (Eligibility and Age of Consent) applies. The detailed handling of personal information, including any rights available under the California Consumer Privacy Act ("CCPA") and similar U.S. state privacy laws, is governed by the Privacy Policy.
Non-waivable rights preserved. Nothing in these supplemental terms excludes or limits any consumer-protection or data-protection right that cannot be waived under the mandatory law of your country of residence.

Article 3 (General Provisions — Global Additions)

Notices and Electronic Communications. We may send notices via email, in-Service notification, or by posting on the Service. You consent to receive all communications, agreements, notices, and disclosures relating to the Service in electronic form, and you agree that such electronic communications have the same legal effect as if provided in writing and satisfy any requirement that they be in writing. You are responsible for keeping your contact information accurate and for reviewing communications from us.
Force Majeure. We are not liable for any delay, failure, or interruption in performing our obligations or providing the Service to the extent caused by events beyond our reasonable control — including acts of God, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, labor disputes, power or telecommunications failures, failures of third-party service providers (including AI providers), or governmental actions. During such an event we may suspend, modify, or discontinue all or part of the Service without liability, and will use commercially reasonable efforts to resume normal operations once it ceases.
Independent Contractors. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and us.

Part 2. Conflict Subjects (Applicable to Members Outside the Republic of Korea)

You may use the Service only if you can form a binding contract with us and are not barred from doing so under applicable law.

You must be of legal age to form a binding contract and to consent to the processing of your personal data in your country of residence (the "Age of Consent"). If we become aware that an individual under the Age of Consent has signed up, we may terminate the corresponding account without prior notice and delete associated data in accordance with our Privacy Policy.

To the extent the U.S. Children's Online Privacy Protection Act ("COPPA") applies, we do not knowingly collect personal information from children under 13; if we learn that we have, we will delete it promptly.

We may refuse, suspend, or terminate registration if (a) you have previously been removed from the Service, (b) you use false or another person's identity, (c) you access the Service from a restricted jurisdiction, (d) you intend to use the Service for unlawful or commercial-scraping purposes, or (e) registration would violate applicable law.

Article 5 (Cancellation, Withdrawal, and Refunds)

5.1 Statutory Withdrawal (where applicable). Where the law of your residence grants you a statutory cooling-off right (e.g., 7 days under Korea's Act on Consumer Protection in Electronic Commerce, or 14 days under EU Consumer Rights Directive 2011/83/EU and equivalent UK/Swiss law), you may withdraw your purchase within that period, subject to the limitations of that law. For EU/UK/Swiss residents, you may lose your statutory right to withdraw with respect to digital content only if you have given express prior consent and acknowledgement, at the time of purchase, that performance has begun and that your right to withdraw is lost (collected through the purchase UI). Where no such consent and acknowledgement was given, your statutory right to withdraw remains.

5.2 No Service Fee within Statutory Cooling-Off Period (EEA / UK / Switzerland). For Members resident in the EEA, UK, or Switzerland, no service fee or administrative charge shall be deducted from any refund made under your statutory right of withdrawal. Only the value of digital content actually used (calculated at the standard unit price) may be retained.

5.3 Refunds of Unused Paid Cream (other jurisdictions). Where the statutory cooling-off right does not apply or has expired, you may request a refund of unused Paid Cream, calculated at the standard unit price, with no service or administrative fee deducted. Used Cream, and any promotional or bonus Cream, are not refundable (see Article 5.4). Refunds are processed within a reasonable time after request.

5.4 Bundles, Promotions, and Bonus Cream. For bundle or discounted purchases, the amount used is calculated at the standard unit price. Free Cream and promotional bonuses associated with a refunded purchase are forfeited and are not eligible for refund.

5.5 App Marketplace Purchases. Purchases made through Apple App Store, Google Play, or other marketplaces are subject to their respective refund policies, which may override the procedures above. We may not be able to refund those transactions directly.

5.6 Termination for Cause. We may decline refunds where your account has been terminated for material violations of these Terms or where we reasonably suspect abuse of the refund process. This does not limit your non-waivable consumer-protection rights.

5.7 Subscription Charges. Cancellation and refunds for charges processed through the Subscription Service are governed primarily by Article 6.6 (Cancellation of Subscription Charges); the rules in this Article 5 apply only to the extent they do not conflict with Article 6.6.

Article 6 (Paid Services and Subscription Service)

6.1 Paid Services and Fees. We may offer all or part of the Service as paid features (each a "Paid Service"). We may set different eligibility criteria for each Paid Service based on individual service policies, business-partner requirements, or applicable law. The fees for a Paid Service are determined by its features and functionality and are specified — together with the number of Cream to be consumed — at the time you select the Paid Service. We may change fees at any time, provided that price changes apply prospectively only and are not retroactive; fees and related conditions agreed before the effective date of a change continue to apply on the agreed terms.

You may purchase Cream through the in-Service store or applicable app marketplaces, and a paid contract is formed when your payment is completed. All fees payable for Paid Services are paid using Cream.

6.2 Grounds for Refusing or Cancelling a Purchase. We may refuse a purchase request or cancel acceptance if:

the purchaser is a minor who has not obtained verifiable consent from a parent or legal guardian;
the purchase involves identity theft or unauthorized payment information;
payment fails or the payer cannot be verified;
fraud-detection signals — such as repeated purchases from the same IP/device or patterns consistent with card theft — indicate likely fraudulent activity; or
approval would violate applicable law or these Terms.

6.3 Minors. A minor (under the age of majority in your jurisdiction) must obtain consent from a parent or legal guardian before making any purchase. We may, with appropriate documentation and in accordance with applicable law, cancel transactions made by a minor without such consent.

6.4 Payment Limits. We may set, and modify in our discretion, per-transaction and daily aggregate limits on Cream purchases, for purposes such as fraud prevention and the protection of minors.

6.5 Product Configuration Changes. We may change the configuration, price, bonus, or composition of Cream packages, or add new products, as operationally needed. Such changes take effect for new transactions only from the time of change; transactions already completed are not retroactively affected. Changes that materially and adversely affect Members' rights or obligations are subject to the advance-notice requirements in Article 10 of these supplemental terms (Changes to the Terms).

6.6 Subscription Service. The Service offers a recurring-payment service (the "Subscription Service", or "Subscription"): a fixed-period paid plan that is automatically renewed at the end of each period for the same duration unless cancelled. For Members outside the Republic of Korea, the Subscription Service is available only through in-app purchase via the Apple App Store or Google Play.

You may enroll only after completing an explicit, separate consent step in addition to accepting these Terms. You may cancel or unsubscribe at any time through the applicable management interface.

The billing date, fees, currency, tax, automatic renewal, and refunds for the Subscription Service are governed by the relevant app marketplace's policies and procedures.

6.7 Cancellation of Subscription Charges. Cancellation and renewal-stop for Subscription charges override the general rules of Article 5 (Articles 5.1 and 5.2) to the extent of any conflict:

Subscription via IAP. Refunds, cancellation, and renewal-stop for Subscription charges are governed by the relevant app marketplace (Apple, Google). We may not be able to process Subscription refunds directly. Your non-waivable statutory rights (including, where applicable, EU/UK/Swiss cooling-off rights for digital content under the conditions set out in Article 5) are preserved.

6.8 Subscription Plan Changes. If you upgrade to a higher-tier Subscription while an existing Subscription is in effect, the higher fee is charged from the change date and no refund is provided for the unused portion of the prior tier. Downgrades take effect at the start of the next billing cycle. The specific mechanics of plan changes are subject to the app marketplace's policies.

6.9 Failed Charges and Suspected Fraud. If a registered payment method fails to charge over consecutive attempts, or if we detect circumstances indicating theft or fraudulent use, we may suspend the Subscription charge, deregister the payment method, or terminate enrollment, and will notify you of such action. Operational details (retry frequency, payment-method registration mechanics, UI flow) not addressed in these Terms are governed by our operating policies and applicable law.

6.10 Minors in the Subscription Service. Where a Member who uses the Subscription Service is a minor under the age of majority in their jurisdiction, the consent requirements in Article 6.3 apply. In light of the recurring nature of these payments, We may operate additional procedures to verify parental or guardian consent.

Article 7 (Nature, Validity, and Consumption of Cream)

Cream is the virtual, in-Service currency. Cream is not real currency, does not substitute for real currency, accrues no interest, and has no monetary value equivalent to real currency. Cream cannot be exchanged or redeemed for cash or real currency, and we have no obligation to exchange Cream for anything of value — except to the extent expressly provided in Article 5 (Cancellation, Withdrawal, and Refunds) or required by mandatory consumer-protection law in your country of residence. Cream is a limited, revocable license to access certain features of the Service and does not constitute a deposit or stored value.

We may establish an expiration date or expiration period for Cream — whether purchased or obtained through promotions, bonuses, a Subscription, or any other means — provided that the application of such expiration does not violate applicable law. Cream that has expired may no longer be used after the applicable expiration date and has no cash value. Free Cream validity is specified at the time of grant.

Where you hold a mix of balances:

the balance with the earliest expiration is consumed first; and
where balances have the same expiration, Free Cream is consumed before Paid Cream.

Article 8 (Payment Processing)

The payment currency, accepted payment methods, and tax presentation applicable to your transaction are displayed on the checkout page based on your country of access. One-time Cream purchases are available via web payment with foreign credit cards processed by Konrev's payment processor, or via in-app purchase. Mobile in-app purchases are processed by, and subject to the policies and refund procedures of, the relevant app marketplace (Apple App Store, Google Play).

Article 9 (Limitation of Liability)

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KONREV AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE.

KONREV'S AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) USD 100 OR (B) THE AMOUNTS PAID BY YOU TO KONREV IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS; IN THOSE JURISDICTIONS, THE LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law (e.g., for fraud, death, or personal injury caused by negligence, or consumer-protection rights that cannot be waived).

Article 10 (Changes to the Terms and to the Service)

Notice of changes. Where we amend these Terms, we will post the amended Terms, stating the effective date and the reason for the change, and will give reasonable advance notice before the effective date by posting on the Service and, where appropriate, by email or in-Service notification.
Material or adverse changes. Where a change is material or adverse to you, we will give notice a reasonable period before the effective date — and, where the mandatory consumer-protection law of your country of residence requires a specific notice period, at least the period that law requires — by email or in-Service notification. If you do not agree to the change, you may reject it by terminating your account before the effective date; in that case the change does not apply to you, and unused Paid Cream is refundable in accordance with Article 5.
Continued use. For changes that are not material or adverse, your continued use of the Service after the effective date constitutes acceptance of the amended Terms, to the extent permitted by applicable law. We do not treat silence or inaction alone as acceptance of a material or adverse change where the mandatory law of your country of residence does not permit deemed acceptance.
Non-waivable rights. Nothing in this Article limits any mandatory notice, consent, or termination right available to you under the consumer-protection law of your country of residence, including, for residents of the EEA, the UK, or Switzerland, any rights in respect of unilateral changes to continuous-supply digital services.
Changes to the Service. For changes to the content, method of use, or hours of use of the Service, the same approach applies: we give reasonable advance notice, and for changes adverse to you we give notice before the effective date by email or in-Service notification, in place of the fixed 30-day advance individual-notice requirement of Common Terms Article 8(2). Your mandatory consumer-protection rights — including any right to terminate or to a remedy under the law of your country of residence — are preserved. (Temporary service suspension and full-service discontinuation remain governed by Common Terms Article 7, including its 30-day advance and individual-notice protections for discontinuation.)

Part 3. Dispute Resolution and Governing Law

Article 11 (Dispute Resolution)

Informal Resolution. Before initiating formal proceedings, you agree to first attempt to resolve any dispute by sending a written Notice of Dispute to [email protected] describing the nature of the claim and the relief sought. The parties shall negotiate in good faith for at least sixty (60) days.

Class Action Waiver. YOU AND KONREV AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Opt-Out. You may opt out of the arbitration agreement and class action waiver by sending written notice to [email protected] within 30 days of first accepting these Terms.

Exceptions. Nothing in this Article limits your right to (a) bring an individual action in small-claims court, (b) seek injunctive relief in a court of competent jurisdiction for intellectual-property infringement or misuse of confidential information, or (c) exercise any non-waivable rights you have under applicable consumer-protection law.

Article 12 (Governing Law and Jurisdiction)

These Terms are governed by the laws of the Republic of Korea, without regard to its conflict-of-laws principles. Disputes shall be resolved exclusively in the courts having jurisdiction under the Civil Procedure Act of the Republic of Korea, except that consumers may bring claims in the courts of their country of residence where required by mandatory local law.

Addendum

These supplemental terms take effect together with the Common Terms on the same effective date. The effective date is June 25, 2026.
These Terms also apply to service agreements and transactions entered into with the Operator before these Terms take effect, with respect to matters arising on or after the effective date.
Customer Support: [email protected]

Preamble (Scope and Precedence)​

Part 1. Non-Korea-Only Provisions​

Article 1 (Age-Restricted Content)​

Article 2 (GDPR / UK / Swiss / CCPA Carve-Outs)​

Article 3 (General Provisions — Global Additions)​

Part 2. Conflict Subjects (Applicable to Members Outside the Republic of Korea)​

Article 4 (Eligibility and Age of Consent)​

Article 5 (Cancellation, Withdrawal, and Refunds)​

Article 6 (Paid Services and Subscription Service)​

Article 7 (Nature, Validity, and Consumption of Cream)​

Article 8 (Payment Processing)​

Article 9 (Limitation of Liability)​

Article 10 (Changes to the Terms and to the Service)​

Part 3. Dispute Resolution and Governing Law​

Article 11 (Dispute Resolution)​

Article 12 (Governing Law and Jurisdiction)​

Addendum​