Important Notice

Please read this disclaimer carefully before using consultation services provided by Grace Kim (김수지). This disclaimer outlines important limitations, clarifications, and risk disclosures related to Samsung insurance and credit card consultation services.

Consultation Service Limitations

No Guarantee of Approval

Grace Kim provides consultation and guidance services only. We do NOT:

• Guarantee approval for any Samsung insurance or credit card products
• Make decisions on behalf of Samsung regarding your applications
• Have control over Samsung's underwriting or credit approval processes
• Influence Samsung's eligibility criteria or approval decisions

Individual Results Vary

Samsung product eligibility and approval depend on numerous individual factors including:

• Your specific visa type, residency status, and immigration history
• Credit history, income, and financial situation
• Health status and medical history (for insurance products)
• Samsung's current product availability and policy changes
• Korean financial regulations and compliance requirements

Samsung Partnership Clarification

Authorized Consultant Relationship

Grace Kim is an authorized Samsung consultant, which means:

• We are authorized to provide information about Samsung financial products
• We can guide clients to appropriate Samsung application channels
• We may coordinate with Samsung representatives for client support
• We receive authorization to represent Samsung products in consultation capacity

What This Relationship Does NOT Include

• We are NOT Samsung employees or direct representatives
• We do NOT have decision-making authority for Samsung approvals
• We cannot override Samsung's eligibility criteria or policies
• We do not handle Samsung customer service issues directly

Official Samsung Channels

All actual applications and transactions occur through Samsung's official channels:

These official Samsung channels have their own terms of service, comprehensive privacy policies (effective August 12, 2025), and customer service procedures that govern your actual applications and accounts. Samsung Life maintains detailed personal information processing policies (개인정보 처리방침) covering data collection, protection periods, and third-party sharing procedures.

Insurance Product Disclaimers

Coverage Limitations

Samsung insurance products have specific terms, conditions, and limitations:

• Underwriting Requirements: All insurance applications are subject to Samsung's medical underwriting and approval processes
• Pre-existing Conditions: Coverage for pre-existing medical conditions may be limited or excluded
• Waiting Periods: Many insurance benefits have waiting periods before coverage begins
• Policy Exclusions: All insurance policies have specific exclusions that limit coverage
• Premium Changes: Insurance premiums may change based on age, health, or policy terms

Claim Processing

Insurance claims are processed entirely by Samsung Life Insurance according to their procedures and policy terms. Grace Kim does not process, approve, or deny insurance claims.

Credit Card Product Disclaimers

Credit Approval Process

Samsung credit card approvals are based on:

• Credit History: Your Korean and/or international credit history
• Income Verification: Proof of stable income and employment
• Residency Requirements: Valid Korean residency and visa status
• Samsung's Criteria: Internal credit scoring and risk assessment

Credit Terms and Conditions

• Interest Rates: APRs and fees are determined by Samsung Card based on creditworthiness
• Credit Limits: Initial and ongoing credit limits are set by Samsung Card
• Reward Programs: Benefits and rewards are subject to Samsung Card terms and may change
• Annual Fees: Fee structures may vary and are subject to change

Regulatory and Legal Disclaimers

Samsung Life Policy Framework

Samsung Life operates under comprehensive personal information processing policies (개인정보 처리방침) effective August 12, 2025. These policies govern all aspects of data handling including collection procedures, protection periods, third-party sharing guidelines, and customer service protocols on their official platforms.

Korean Financial Regulations

All Samsung financial products are subject to Korean financial services regulations and oversight. Regulatory changes may affect product availability, terms, or eligibility.

Visa and Immigration Status

Product eligibility is closely tied to your visa status and residency in South Korea. Changes in immigration status may affect your eligibility for Samsung financial products.

Professional Licensing

Grace Kim operates under appropriate Korean financial services licensing. However, consultation services do not constitute professional financial planning, legal advice, or investment counseling.

Information Accuracy and Updates

Product Information Changes

Samsung insurance and credit card products, terms, benefits, and availability change frequently. While we strive to provide current information:

• Product terms and conditions may have changed since our last consultation
• Always verify current information directly with Samsung's official websites
• Final product terms are determined by Samsung, not our consultation guidance

Website Information

Information on this website is for general guidance purposes only and should not be considered as definitive product terms or eligibility criteria.

Risk Disclosures

Financial Product Risks

• Insurance: Insurance products involve risk of policy lapse, premium increases, and coverage limitations
• Credit Cards: Credit products carry risks of debt accumulation, interest charges, and credit score impacts
• Currency Risk: For non-Korean nationals, currency fluctuations may affect the value of benefits

Consultation Limitations

Our consultation services cannot account for all individual circumstances and future changes that may affect your Samsung financial products or eligibility.

Emergency and Customer Service

Direct Samsung Support

For urgent matters, claims, or account issues, contact Samsung directly:

Consultation Support

Grace Kim consultation services are available for guidance and information, but cannot resolve urgent Samsung account or claim issues that require direct Samsung support.

Limitation of Liability

Grace Kim's liability for consultation services is strictly limited to the consultation guidance provided. We are not responsible for:

• Samsung's approval, rejection, or processing of your applications
• Changes in Samsung product terms, benefits, or availability
• Financial losses resulting from Samsung product decisions
• Technical issues with Samsung's websites or application systems
• Delays or complications in Samsung's customer service
• Regulatory or policy changes affecting Samsung products

Contact Information

For questions about this disclaimer or our consultation services:

Korean Summary (한국어 요약)