[Required] Terms of Service

The purpose of these Terms and Conditions is to stipulate the rights, obligations, and responsibilities of Silvia and its users regarding the use of digital content (hereinafter referred to as "Content") and related services provided online by Silvia Health Inc. (hereinafter referred to as "Silvia") through its website (https://silvia.io) and application.

The terms used in these Terms and Conditions are defined as follows:

"Silvia" shall display the contents of these Terms and Conditions, its trade name, representative's name, business address (including the address for consumer complaints), phone number, facsimile number, email address, business registration number, mail-order business report number, and personal information manager on the initial screen of the online service for easy access by the user. However, the terms and conditions may be viewed by the user through a linked screen.

① "Silvia" shall take technical measures to ensure that "Members" can print all of these Terms and Conditions and confirm their content during the transaction process.
② "Silvia" shall install technical devices to allow "Users" to ask questions and receive answers regarding the content of these Terms and Conditions.
③ Before a "User" agrees to the terms, "Silvia" shall provide a separate linked or pop-up screen to ensure that the user can easily understand important details such as subscription withdrawal and refund conditions, and seek the "User's" confirmation.
④ The subscription withdrawal and refund conditions for paid services can be found on the reservation/change/cancellation page of the counseling service.

① "Silvia" may revise these Terms and Conditions to the extent that it does not violate relevant laws such as the Act on the Promotion of the Digital Content Industry, the Act on Consumer Protection in Electronic Commerce, and the Act on the Regulation of Terms and Conditions.
② When "Silvia" revises these Terms and Conditions, it shall announce the effective date and reasons for the revision on the initial screen of the service along with the current terms from at least 7 days before the effective date to a considerable period after the effective date. However, if the changes are disadvantageous to the "Member" or are of a serious nature, "Silvia" shall provide at least 30 days' notice and send the revised terms to existing "Members" via email. The revised terms and conditions shall not be applied retroactively to a date before the effective date.
③ If "Silvia" announces or notifies the revised terms in accordance with Paragraph 2 and clearly states that the "Member" will be deemed to have expressed consent if no objection is expressed within 30 days, and the "Member" does not explicitly refuse, the "Member" will be considered to have agreed to the revised terms.
④ "Silvia" shall confirm the "Member's" consent to the application of the revised terms after giving notice of the revised terms. If the "Member" does not agree to the application of the revised terms, "Silvia" cannot apply the content of the revised terms, and in this case, the "Member" can terminate the service agreement. However, if there are special circumstances under which the existing terms cannot be applied, "Silvia" can terminate the service agreement.

Matters not specified in these Terms and Conditions and the interpretation of these Terms and Conditions shall be governed by the Act on the Promotion of the Digital Content Industry, the Act on Consumer Protection in Electronic Commerce, the Act on the Regulation of Terms and Conditions, the Digital Content User Protection Guidelines set by the Minister of Culture, Sports and Tourism, other related laws, or commercial practices.

① Membership registration is concluded when "Silvia" provides guidance on membership registration to a "User" who wishes to join, the "User" agrees to the terms and submits a membership registration application, and "Silvia" approves the application.
② The membership registration form must include the following information. Items 1 to 3 are required, and the others are optional.

"Silvia" does not permit membership registration for "Users" under the age of 14.

① A "Member" can view and edit their personal information at any time through the account management screen.
② If the information provided by a "Member" during membership registration changes, the "Member" must update it online or notify "Silvia" of the change via email or other methods.
③ "Silvia" is not responsible for any disadvantages caused by the "Member's" failure to notify "Silvia" of the changes in accordance with Paragraph 2.

① The "Member" is responsible for the management of their "ID" and "Password" and must not allow a third party to use them.
② If a "Member" becomes aware that their "ID" and "Password" have been stolen or are being used by a third party, the "Member" must immediately notify "Silvia" and follow "Silvia's" instructions.
③ In the case of Paragraph 2, "Silvia" is not responsible for any disadvantages caused by the "Member's" failure to notify "Silvia" of the fact or failure to follow "Silvia's" instructions after notification.

① When "Silvia" notifies a "Member," it can be done via the email address designated by the "Member."
② For notifications to all "Members," "Silvia" can substitute the notice in Paragraph 1 by posting the content of the notification on the initial screen of the "Service" or a pop-up window for at least 7 days.

① A "Member" can request withdrawal from "Silvia" at any time, and "Silvia" will process the membership withdrawal immediately.
② In the following cases, "Silvia" may restrict or suspend a "Member's" qualification:

① "Silvia" shall display the following information clearly on the initial screen of the "Content" or "Service" or on its packaging for "Users" to easily understand:

① A "User" applies for the service through the following or similar procedures provided by "Silvia." Before concluding the contract, "Silvia" provides information on each item to ensure that the "User" understands it correctly and can make the transaction without errors or mistakes.

① "Silvia" must sincerely and faithfully exercise the rights and fulfill the obligations stipulated by laws and these Terms and Conditions.
② "Silvia" must have a security system to protect personal information to ensure that "Users" can use the "Content" safely and must disclose and comply with its personal information protection policy.
③ "Silvia" shall handle any opinions or complaints raised by "Users" regarding the use of "Content" and "Service" without delay if they are deemed justified. "Silvia" shall communicate the process and result of the handling of the opinions or complaints to the "User" through a bulletin board or email.
④ "Silvia" shall compensate for any damages incurred by the "User" due to a violation of the obligations set forth in these Terms and Conditions.

① The "User" must not perform the following acts:

① If "Silvia" can reasonably suspect any of the following acts during a "User's" use of "Content" and "Service," "Silvia" may determine that the "User" is engaging in fraudulent use and take corresponding measures.

① In principle, "Content" and "Service" are provided 24 hours a day, 7 days a week.
② "Silvia" may temporarily suspend the provision of "Content" and "Service" if there is a compelling reason for maintenance, replacement, or failure of information and communication facilities such as computers, communication disruption, or operational issues. In this case, "Silvia" shall notify the "User" in the manner stipulated in Article 11. However, if there are unavoidable circumstances where "Silvia" cannot give prior notice, it may provide notice afterward.
③ "Silvia" shall compensate for any damages incurred by the "User" due to the temporary suspension of "Content" and "Service" provision without a compelling reason. However, this does not apply if "Silvia" proves that it was not due to willful intent or negligence.
④ "Silvia" may perform regular inspections if necessary for the provision of "Content" and "Service," and the regular inspection time shall be as announced on the service provision screen.

① If there is a compelling reason, "Silvia" may change the "Content" and "Service" it provides based on operational and technical needs.
② When "Silvia" changes the content, method of use, or usage time of the "Content" and "Service," it shall post the reason for the change, the content of the changed "Content" and "Service," and the date of provision on the initial screen of the relevant content at least 7 days before the change.
③ In the case of Paragraph 2, if the changes are significant or disadvantageous to the "User," "Silvia" shall notify the "User" receiving the "Content" and "Service" in the manner stipulated in Article 11 and obtain their consent. In this case, "Silvia" will provide the pre-change service to the "User" who refuses consent. However, if such service provision is impossible, the agreement may be terminated.

① "Silvia" may provide various information that is deemed necessary during the "User's" use of "Content" or "Service" to the "Member" through announcements or email. However, the "Member" can refuse to receive such information at any time via email, etc.
② If "Silvia" intends to send the information in Paragraph 1 via telephone or facsimile, it shall obtain the "Member's" prior consent.
③ "Silvia" may place advertisements on the content or service screen, homepage, or in emails related to the provision of "Content" and "Service." A "Member" who has received an email with an advertisement can refuse to receive it by notifying "Silvia."

① The copyright and other intellectual property rights of the works created by "Silvia," especially the "Content" and "Service" provided by "Silvia" (including, but not limited to, the platform's design, structure, and UI, as well as various service programs such as educational videos, photos, documents, and report formats, and all materials, both online and offline, that constitute the content of the class, and are not limited to digital content) belong to "Silvia."
② The copyright and other intellectual property rights of works provided under an affiliate agreement among the services provided by "Silvia" belong to the respective provider.
③ A "User" must not use or allow a third party to use for commercial purposes by copying, transmitting, publishing, distributing, broadcasting, or by any other method, information or works obtained through the use of the service provided by "Silvia" for which "Silvia" or the provider holds intellectual property rights, without the prior consent of "Silvia" or the provider. The "User" may only use the "Content" provided by "Silvia" within the scope of the purpose of the service agreement between the "User" and "Silvia."
④ "Silvia" may use programs to monitor, prevent, or block intellectual property infringement during the "User's" use of the "Service" to monitor or block intellectual property infringement by the "User." If there is a "User" who infringes on intellectual property, "Silvia" may take civil and criminal action against the "User."
⑤ In accordance with the agreement, "Silvia" shall obtain the "User's" permission when using the "User's" works. That is, "Silvia" must obtain the permission of the "User" to lawfully use the "Post" for which the "User" has copyright, and "Silvia" must exercise the right to use the "Post" granted by the "User" in a limited manner only for the purpose of improving "Silvia's" service, using it for service promotion, service operation, improvement, and research for the development of new services, compliance with legal obligations such as web accessibility, allowing searches, collection, and links from external sites, and research, etc., as stipulated by the Copyright Act and other related laws. If "Silvia" is compelled to use the "User's" "Post" for any other purpose, it must explain it to the "User" in advance and obtain their consent. If the "Service" provides management functions such as deleting or privatizing a "Post," the "User" can directly control the use or access by others through these functions, and can also request the deletion, privatization, or exclusion from search results of a "Post" through the customer center. However, in the case of some "Services," it may be difficult to process deletion, privatization, etc., and this will be announced in the guidelines, announcements, or customer center help section for each service.
⑥ "Silvia" and the "User" must not leak or disclose a third party's personal information, etc., included in a "Post" to the outside.

① If any "Post" that a "Member" posts or transmits within the service contains content that violates the Act on the Promotion of Information and Communications Network Utilization and Information Protection, the Copyright Act, or other relevant laws, the rights holder may request the suspension and deletion of the "Post" in accordance with the procedures set forth by the relevant laws, and the "Company" must take action in accordance with the relevant laws.
② Even if there is no request from the rights holder under the preceding paragraph, the "Company" may take temporary measures without prior notice if it is determined that any "Post" a "Member" posts or transmits within the service falls under any of the following categories:

"Silvia" strives to protect the personal information of "Users" in accordance with the Personal Information Protection Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc., and other related laws. The protection and use of personal information are governed by relevant laws and "Silvia's" personal information handling policy.

① "Membership" can be purchased through monthly/annual recurring payments using the payment method registered by the user. When a "Member" purchases a "Membership," they become a "Membership Member" and can use the differentiated "Service and Content" provided by "Silvia." Before a "Member" purchases a "Membership," "Silvia" will notify them of the type, content, duration, subscription cancellation, and refund procedures of the "Membership" and guide them so that they can check it at any time during the usage period.
② The purchase and maintenance of a "Membership" are made through available payment methods such as credit cards and app market payments from Google and Apple platforms that provide "Silvia." Subsequently, the usage fee is automatically paid according to the cycle set at the time of purchase through the payment method registered by the "Member," and the usage period is automatically renewed.

① "Silvia" may change the specific details of the subscription membership, such as its type and price, or abolish a specific subscription membership after giving prior notice to the "Member." However, if such changes and abolition are disadvantageous to the "Member" or have a significant impact on the "Member's" rights and obligations, "Silvia" shall take measures to not harm the "Member's" rights and obligations by giving prior notice.

① The subscription for a recurring payment "Membership" can be canceled through the subscription cancellation page within the Silvia service in My Information. If a "Member" cancels a "Membership" subscription, the automatic payment for the "Membership" will not be made from the next usage period. The "Membership" can be used normally during the remaining usage period of the already paid service. The "Membership" recurring payment will not be canceled even if you delete the "Silvia" application, so please be sure to cancel the subscription through the subscription cancellation page.
② Refunds for "Membership" are possible in limited cases. This is only for the first time, within 7 days of subscribing to the "Membership," and only if you have not used the paid "Service and Content" even once. In the above case, if you inquire through the customer center or click on the "Membership" refund button in My Information, we will guide you on how to get a refund through the Google Play Store and Apple App Store.
③ "Silvia's" recurring subscription and refund follow the methods and policies of Google or Apple, which provide the in-app payment platform, and "Silvia" is not responsible for this refund policy. "Silvia" will guide you on how to proceed with the subscription cancellation and refund on the relevant platform. The "Member" must request and process the refund from the relevant platform provider, and in some cases, a small fee may be incurred during this process. Unless required by law, "Silvia" does not have an obligation to refund for content other than the cases where a refund is possible as stipulated in Article 25, Paragraph 2.
④ If there is a reason for violation of the terms or other legal infringement, "Silvia" may cancel, terminate, suspend, or restrict the subscription membership of a "Membership Member" without prior notice.

① "Silvia" may terminate/cancel the agreement or restrict the use of the service for a specified period without prior notice if the "User" performs the acts stipulated in Article 12, Paragraph 2, and Article 16, Paragraph 1.
② The termination/cancellation in Paragraph 1 becomes effective when "Silvia" expresses its intention to the "User" according to the notification method it has set.
③ A "User" can file an objection to "Silvia's" termination/cancellation and use restrictions in accordance with the procedures set by "Silvia." In this case, if "Silvia" acknowledges that the objection is justified, "Silvia" will immediately resume the use of the service.

"Silvia" handles matters concerning the standards, scope, methods, and procedures for user compensation for content defects, etc., in accordance with the Digital Content User Protection Guidelines.

① "Silvia" is exempt from responsibility for the provision of "Content" and "Service" if it is unable to do so due to a force majeure event such as a natural disaster or an equivalent event.
② "Silvia" is not responsible for any obstacles to the use of "Content" and "Service" due to the "User's" fault.
③ "Silvia" is not responsible for the reliability, accuracy, etc., of information, data, or facts posted by a "Member" in relation to "Content."
④ "Silvia" is not responsible for disputes that arise between "Users" or between a "User" and a third party through the "Content" and "Service."

When a dispute arises, "Silvia" will take appropriate and prompt action by reflecting the legitimate opinions or complaints raised by the "User." However, if a prompt resolution is difficult, "Silvia" will notify the "User" of the reason and the processing schedule.

① Lawsuits filed between "Silvia" and a "User" shall be governed by the laws of the Republic of Korea.
② Lawsuits regarding disputes arising between "Silvia" and a "User" shall be subject to the exclusive jurisdiction of the district court having jurisdiction over the "User's" address at the time of filing the lawsuit, and if there is no address, the local court having jurisdiction over the "User's" residence. However, if the "User's" address or residence is not clear at the time of filing the lawsuit, the court of jurisdiction shall be determined in accordance with the Civil Procedure Act.
③ In the case of a "User" who has an address or residence overseas, a lawsuit regarding a dispute between "Silvia" and the "User" shall, notwithstanding the preceding paragraph, be subject to the jurisdiction of the Seoul Central District Court in the Republic of Korea.

① A "Member" may not assign their rights and obligations under these Terms and Conditions to a third party without the prior written consent of "Silvia."
② Contracts, agreements, notifications, etc., additionally drafted between "Silvia" and a "Member" in relation to these Terms and Conditions, and the content announced by "Silvia" to "Members" through the "Service" due to a change in "Silvia's" policy, the enactment/revision of laws, or announcements/guidelines from public institutions, also constitute a part of these Terms and Conditions.

① "Silvia" is a startup with a vision to solve physical and psychological problems that occur during the aging process through technology. We are committed to verifying the effectiveness of the Silvia program by encouraging healthy behavioral changes in users and continuously developing programs for users.
② "Silvia" will not disclose or sell users' personal information and activity data to external parties without prior consent, and all users are anonymized for database-based research.
③ If you use Silvia Health's services, you are considered to have consented to participate in the research on the "Effect of Silvia Health Program on Long-term Health Behavior and Cognitive Health Changes Using Panel Data," which will be implemented from January 1, 2022.
④ If you do not consent to participate in the research, please send an email to research@silviahealth.com with the subject line: "<Non-consent to Research Participation> Phone Number."

① This privacy policy is effective from 10.13.2025.