Agreement to Terms

By requesting consultation services from Grace Kim (김수지) or using this website, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, please do not use our consultation services.

Service Description

What We Provide

Grace Kim provides consultation and guidance services only for:

• Samsung Insurance Products: Guidance on products available through www.samsunglife.com and direct.samsunglife.com
• Samsung Credit Cards: Information about products available through samsungcard.com
• Eligibility Assessment: Help determining which products may be suitable for your visa type and situation
• Application Guidance: Direction on how to complete applications on Samsung's official websites

What We Do NOT Provide

• Direct insurance or credit card applications processing
• Guarantee of approval for any Samsung products
• Financial planning or investment advice
• Legal advice regarding insurance or financial matters
• Payment processing or financial transactions
• Document storage or financial record management

Samsung Partnership and Authorization

Grace Kim is an authorized Samsung consultant who provides guidance and referrals to official Samsung financial products. This relationship means:

• We are authorized to provide information about Samsung insurance and credit card products
• We can guide you to the appropriate Samsung websites for applications
• We may coordinate with Samsung representatives when necessary for your consultation
• We are NOT Samsung employees and do not make decisions on behalf of Samsung

Official Samsung Websites: All actual applications, approvals, and transactions occur on Samsung's official platforms, which maintain comprehensive privacy policies effective August 12, 2025:

• Insurance: www.samsunglife.com and direct.samsunglife.com
• Credit Cards: samsungcard.com

Consultation Process

How Our Service Works

1. Initial Contact: You submit a consultation request through our website form or contact us directly
2. Consultation Scheduling: We contact you to schedule a consultation at your convenience
3. Needs Assessment: We discuss your visa type, financial needs, and Samsung product options
4. Product Recommendations: We recommend suitable Samsung insurance and credit card products
5. Application Guidance: We guide you to Samsung's official websites to complete applications
6. Follow-up: We provide ongoing support during your application process

Consultation Fees

Initial consultations are provided free of charge. If extended consultation services are required, any fees will be clearly discussed and agreed upon before services are provided.

Eligibility and Geographic Limitations

Our consultation services are available to:

• Current residents of South Korea (all visa types: G1, E9, E7, E6, E8, F2, F5, F6, D2, D4, D10)
• Korean citizens
• Individuals planning to reside in South Korea and eligible for Samsung financial products

Geographic Limitation: Samsung insurance and credit card products are generally available only to South Korea residents. We cannot provide consultation for individuals who do not meet Samsung's residency requirements.

Disclaimers and Limitations

No Guarantee of Approval

Our consultation services do NOT guarantee approval for any Samsung insurance or credit card products. Final approval decisions are made entirely by Samsung based on their underwriting criteria, credit review processes, and eligibility requirements.

Individual Results May Vary

Samsung product availability and eligibility depend on numerous factors including:

• Your specific visa type and residency status
• Credit history and financial situation
• Samsung's current product offerings and policies
• Changes in Korean financial regulations

Information Accuracy

While we strive to provide accurate information about Samsung products, product terms, benefits, and availability may change. Always verify current information directly with Samsung's official websites or customer service.

Client Responsibilities

When using our consultation services, you agree to:

• Provide accurate information about your visa status, residence, and financial situation
• Respond promptly to consultation scheduling and follow-up communications
• Complete all applications directly on Samsung's official websites
• Comply with all Samsung terms and conditions when applying for products
• Notify us of any changes in your contact information or circumstances
• Be respectful in all communications with our consultation team

Intellectual Property

The content on this website, including text, graphics, logos, and software, is the property of Grace Kim or Samsung (where applicable). Samsung product information, logos, and trademarks are the property of Samsung and are used with authorization.

Privacy and Data Protection

Your personal information is handled according to our Privacy Policy. By using our services, you consent to the collection and use of information as outlined in our Privacy Policy.

Samsung Life Policy Compliance: When you proceed to Samsung's official platforms, your data will be governed by Samsung Life's comprehensive personal information processing policies (개인정보 처리방침) effective August 12, 2025, which include data protection periods, third-party sharing guidelines, and customer protection measures.

Service Termination

Your Right to Terminate

You may terminate consultation services at any time by:

• Contacting us at 010-9428-8546 or suhgra123@gmail.com
• Requesting removal from our consultation database

Our Right to Terminate

We reserve the right to terminate consultation services if:

• You provide false or misleading information
• You engage in disrespectful or inappropriate behavior
• You are not eligible for Samsung products we can assist with
• Legal or regulatory requirements prevent us from providing services

Limitation of Liability

Grace Kim's liability for consultation services is limited to the amount paid for consultation services (if any). We are not liable for:

• Samsung's approval or rejection of your applications
• Changes in Samsung product terms or availability
• Delays in Samsung's application processing
• Technical issues with Samsung's websites or services
• Financial losses resulting from consultation advice

Dispute Resolution

Any disputes relating to our consultation services will be resolved through:

1. Direct Communication: We encourage you to contact us directly to resolve any concerns
2. Mediation: If direct communication fails, disputes may be resolved through mediation
3. Korean Jurisdiction: Any legal proceedings will be subject to South Korean law and jurisdiction

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Significant changes will be communicated through our website and consultation channels. Continued use of our services after changes constitutes acceptance of the new terms.

Contact Information

For questions about these Terms of Service or our consultation services:

Korean Summary (한국어 요약)