Blend Terms of Service

Effective date: August 8, 2026 · Version: v1.2

The Korean version is the official text. In case of any discrepancy between the Korean and English versions, the Korean version prevails (Article 17).

1. Purpose

These Terms govern the rights, obligations, and responsibilities between MIN ("Company") and users regarding the use of "Blend" (the "Service"), a unified multi-AI workspace provided by the Company.

2. Definitions

1. "Service" means the Blend workspace and all related features enabling the use of multiple AI models in one interface.
2. "User" means anyone who uses the Service under these Terms. The Service has no sign-up or login; a user becomes a user simply by accessing the Service.
3. "BYOK (Bring Your Own Key)" means using an API key the user obtained directly from an AI provider and registered in the Service.
4. "AI Provider" means external AI operators such as OpenAI, Anthropic, Google, DeepSeek, Groq, Mistral, and Cohere connected either through the Company's managed service or via the user's BYOK.
5. "Paid Service" means the recurring subscription services (Pro, Smarter, etc.) offered by the Company for a fee, which automatically renew and are billed each chosen billing cycle unless the user cancels.

3. Posting and Amendment of Terms

① The Company posts these Terms where users can easily find them (footer and settings menu, etc.). ② The Company may amend these Terms within the bounds of applicable law, including the Act on the Regulation of Terms and Conditions, the Act on Consumer Protection in Electronic Commerce, and the Network Act. ③ For amendments, the Company announces the effective date and reasons at least 7 days in advance, or at least 30 days in advance for changes unfavorable or material to users. ④ A user who disagrees with an amendment may notify the Company of refusal before the effective date and stop using the Service; if a Paid Service was in use, a pro-rated refund for the remaining period applies. Continued use after the effective date constitutes acceptance.

4. Provision and Modification of the Service

① The Company provides: (1) unified multi-AI chat and automatic AI matching; (2) AI answer comparison, voice input/conversation, image generation, and automatic meeting summaries; (3) retrieval-augmented answers over user materials (RAG) and external cloud integration; (4) any other services the Company develops or offers through partnerships. ② The Service is provided through three methods: (1) free trial (without a key, e.g., Gemini); (2) managed use for paid subscribers (using multiple AIs through Company-provided access without a key); and (3) BYOK (the user registering their own API key). The scope and limits of each method depend on the plan and Company policy, and part of the Service may be restricted during outages of external AI Providers or payment processors. ③ The Company may offer a limited number of free uses at its own cost for trial purposes; such scope and counts may change per operating policy. ④ The Company may modify all or part of the Service as operationally or technically necessary, announcing such changes in the Service.

5. Suspension of the Service

① The Company may temporarily suspend the Service for: (1) maintenance, repair, or replacement; (2) force majeure such as power/communication failure, natural disaster, or national emergency; (3) outages of hosting providers (Vercel, Cloudflare, etc.); (4) outages or policy changes of AI Providers or payment processors. ② The Company announces suspensions in advance, or afterward in urgent cases. ③ Absent a specific legal provision, the Company provides no separate compensation for changes/suspension of free services.

6. Formation of Contract and Anonymous Use

① The Service is anonymous with no sign-up/login; a contract is formed when a user agrees to these Terms and uses the Service. ② The Service does not target children under 14. ③ The Company does not collect member information (name, password, etc.). However, the email entered when paying for a Paid Service is used to identify your purchase and to verify your identity (via a verification code) when restoring your plan on another device/browser; specifics are governed by Article 2.2.1 of the Privacy Policy. ④ (Email login and staying logged in) A paying user may log in on another device/browser via a verification code sent to the email used at checkout, to use their plan there. The login persists on that device (auto-renewed) and is released automatically upon subscription cancellation or refund. Because the plan is activated per device (browser), the user is responsible for not sharing their email/verification code with others. The Company does not collect or store passwords.

7. Management of and Responsibility for BYOK API Keys

① Users register and use API keys obtained directly from AI Providers, and bear all fees charged by AI Providers from such use. ② API keys are stored encrypted (AES-256-GCM) in the user's browser local storage and are never transmitted to or stored on the Company's servers. ③ Users bear full responsibility for key management (issuance/renewal/revocation), usage fees, losses from key leakage/loss/misuse, and any AI Provider terms violations arising from their key use. ④ Each AI Provider's terms apply separately; the Company does not warrant AI Providers' quality, availability, pricing, or output.

8. Disclaimer Regarding AI Output

① AI output is generated by external AI Providers; the Company does not warrant its accuracy, completeness, reliability, timeliness, or fitness for a particular purpose. ② Users acknowledge: (1) AI output may contain inaccuracies (hallucinations); (2) it is not legal, medical, financial, or investment advice; (3) expert advice and independent verification are needed before important decisions; (4) responsibility for decisions/actions based on AI output rests with the user. ③ The Company is not liable for losses from AI output inaccuracy/hallucination/bias where it exercised reasonable care, nor for losses from the AI Provider's output itself. ④ However, the Company may bear liability under applicable law if it failed to take reasonable action despite knowing of clearly unlawful or inappropriate AI output.

9. User Obligations

Users must not: (1) misappropriate or infringe others' API keys, information, or rights; (2) generate/distribute content violating law or public order (illegal, obscene, violent, discriminatory, defamatory, etc.); (3) infringe others' IP, likeness, or trade secrets; (4) crawl/scrape/reverse-engineer the Service, generate abnormal traffic, bypass security, or distribute malware; (5) wrongfully circumvent free limits or usage restrictions; (6) use the Service commercially without prior consent; (7) engage in any act prohibited by law or these Terms.

10. Paid Services and Payment

① Paid Services consist of a monthly pass (Pro) and 6-month/1-year passes (Smarter), etc. Exact prices and whether VAT is included are shown on the checkout screen; displayed prices include VAT. Displayed prices are denominated in U.S. dollars (USD); the actual billing currency and amount at the time of payment are shown by Polar, the Merchant of Record, on the checkout screen. In addition to recurring subscriptions (Pro, Smarter), the Company may offer one-time prepaid credits (e.g., $5/$10 packs), which are deducted against amounts such as usage exceeding the Company-provided limits of managed use. ② Paid Services are recurring subscriptions that automatically renew and are charged to the registered payment method each billing cycle chosen by the user (monthly, 6-month, or yearly). The user may cancel anytime before the next renewal date; upon cancellation, the user keeps access until the end of the current paid period and then reverts to the free plan. The Company clearly discloses the renewal cycle, amount, and cancellation method on the checkout screen. ③ Payments and recurring billing are processed via Polar, the Company's designated payment processor. Polar acts as the Merchant of Record, handling payment, taxes (including VAT), and refunds; the Company does not directly collect or store payment information such as card numbers. ④ If a minor under 19 pays without legal guardian consent, the minor or guardian may cancel the contract under the Civil Act. The Company notifies of this on the checkout screen. ⑤ The Company retains transaction records per the E-Commerce Act; users may request transaction details.

11. Withdrawal of Subscription and Refunds

① Within 7 days of payment, users may withdraw and receive a full refund regardless of whether the Service was used. ② After 7 days, refunds depend on the pass type:

1. Monthly pass: refunds are restricted; the user may continue using the Service for the remaining period.

2. 6-month/1-year pass: the user may cancel anytime during the term and receive a refund of the remainder, calculated as below. If the result is negative, no refund is due.

   Refund = Amount paid − (pro-rated days used × standard monthly price)

   That is, the period already used is deducted at the non-discounted standard monthly price, pro-rated by day. Refunds are calculated in the currency and amount the user actually paid; exchange rates are not re-applied. ③ Notwithstanding the above, if the Service becomes unusable due to the Company's fault, a pro-rated refund for the remaining period is given without deduction. ④ Refunds are made to the original payment method; the Company takes necessary action within 3 business days of the request. Actual settlement may take additional time per card/processor procedures. ⑤ After the period set by the card issuer/processor, card cancellation may be impossible and refund methods limited; the Company will then arrange refunds by other available means. ⑥ Refund requests can be made at blend@ai4min.com or via the in-service refund feature. ⑦ The user may cancel the recurring subscription anytime before the next renewal date to stop future charges. After cancellation, the user retains access for the already-paid period, and refunds of amounts already paid follow paragraphs 1 and 2 of this Article. ⑧ Prepaid credits may constitute digital content under Article 17(2)5 of the Act on Consumer Protection in Electronic Commerce, so credits already used (consumed) may be restricted from withdrawal. The refund basis for unused credits is shown on-screen before payment, and pursuant to Article 17(6) of the same Act the Company discloses the withdrawal restriction before payment.

12. Restriction and Termination of Use

① The Company may restrict use or terminate the contract if a user violates Article 9, payment fails, or unlawful/improper use occurs. ② The Company notifies of the violation and grants a 7-day cure period beforehand. However, where there is clear and present harm to others/third parties or an ongoing illegal act, it may restrict immediately without prior notice and notify the reason without delay afterward. ③ The user may cancel the recurring subscription anytime via the subscription management feature on the checkout screen or at blend@ai4min.com. Upon cancellation, renewal stops at the end of the current billing cycle and the account automatically reverts to the free plan.

13. Intellectual Property

① IP rights to the Service and Company-created content/design/trademarks/software belong to the Company; users may not reproduce, distribute, transmit, or create derivative works without prior written consent. ② Rights to content entered by users belong to the users. ③ Rights and usage conditions of AI output follow each AI Provider's terms; users are responsible for ensuring their use of AI output does not infringe third-party rights.

14. Data Storage and Backup

① User chats, registered API keys, and uploaded materials are stored in the user's own device browser storage (localStorage/IndexedDB), not on the Company's servers. ② Users acknowledge and manage their data: (1) deleting browser data permanently loses chats/settings; (2) chats are inaccessible from other devices; (3) data is not saved in private/incognito mode; (4) users are responsible for their own backups via export features. ③ The Company is not liable for data loss on the user's device, except where caused by the Company's intent or gross negligence.

15. Damages and Limitation of Liability

① A party that causes damage to the other by breaching these Terms is liable for such damage. ② The Company's liability to users is limited as follows:

1. Intent or gross negligence of the Company: ordinary damages under the Civil Act and applicable law.
2. Ordinary negligence of the Company: capped at the total Paid Service fees the user paid in the 12 months preceding the damage.
3. Damage during free-service use: excluded absent the Company's intent or gross negligence. ③ The Company is not liable, absent intent or gross negligence, for damage from force majeure, user fault, outages of third parties (AI Providers, hosting, payment processors), or loss/misuse of the user's API key.

16. Governing Law and Dispute Resolution

① These Terms and disputes are governed by the laws of the Republic of Korea. ② Disputes are resolved by mutual consultation; failing that, parties may seek mediation by the Content Dispute Resolution Committee, the Korea Consumer Agency, or the E-Commerce Dispute Mediation Committee. ③ Jurisdiction follows the Civil Procedure Act; a user may file suit in the court having jurisdiction over the user's address or residence.

17. Miscellaneous

① Matters not specified herein follow applicable law and general commercial practice. ② If any provision is invalid, the remaining provisions remain effective. ③ The Korean version is the official text; in case of discrepancy with translations (English, etc.), the Korean version prevails.

Addendum — These Terms take effect on August 8, 2026.