YouViCo Terms of Service

This document is an English translation of the Korean-language YouViCo Terms of Service, provided for convenience. If this translation differs from the Korean version, the Korean version governs.

Effective date: September 17, 2026

ELBA America, Inc. ("we", "us" or the "Company") operates YouViCo (the "Service"). These terms set out the rights, obligations and conditions that apply between you and us when you use the Service. Our handling of personal information is governed by our Privacy Policy. Detailed refund and credit rules are set out in the appendices at the end of this document.

Application of these terms

These terms apply to the entire Service, including the website, apps and API. Information shown on the pricing page and in the Service is also part of these terms. If you and we have signed a separate agreement, that agreement takes precedence over these terms.

You enter into a service agreement with us when you accept these terms on the sign-up screen. If you sign up or pay on behalf of an organization, such as a company or group, you must have authority to accept these terms on its behalf.

Sign-up and accounts

You must be at least 16 years old to sign up. If we learn that a user is under 16, we will terminate the account. You cannot sign up with a disposable email address. In addition to an email address, you can sign up with a Google or Apple account.

You must sign up with accurate information and manage your account and password yourself. You may not transfer or lend your account to anyone else. If you learn that your account has been used without authorization, you must notify us immediately. We offer two-factor authentication to protect your account.

Workspaces and roles

A workspace is the top-level space for collaboration in the Service.

Roles

The user who creates a workspace becomes the workspace owner. The workspace owner represents the workspace and manages its plan and payments. Workspaces and projects have the following roles.

Workspace owners and admins can invite or remove members, and set members' roles and member credit limits.

Workspace content

Content uploaded to a workspace is managed as workspace content. If a member leaves the workspace or deletes their account, the content that member uploaded remains in the workspace. Workspace owners and admins can view, manage and delete workspace content within the scope of their permissions. Rights in the content belong to the user or the original rights holder, as set out in "Your content".

External sharing

Project participants can invite people outside the workspace as guests through an access link. Anyone with an access link can access the project without signing in. Members of other workspaces can be added through an external connection.

The user who shares content through an access link or external connection is responsible for that sharing.

Plans and payment

Plans

We offer a free plan and paid plans. The price, features, storage, number of seats and plan credits of each plan are shown on the pricing page.

Payment

Payments are made on the checkout page of our payment processor, Stripe. You enter your payment method and billing information directly on the checkout page. Fees are charged in advance at the start of each billing period, based on the number of seats. Taxes not included in the displayed price are shown separately on the checkout page.

If you add or remove seats during a billing period, the fee for the rest of the billing period is prorated and either charged or applied to the next charge.

If a user under 19 makes a payment without the consent of a legal guardian, the user or the legal guardian may cancel that payment.

Automatic renewal

Paid plans renew automatically and are charged every billing period until you cancel. Before you subscribe to or change a paid plan, we show the billing period, payment amount and how to cancel, and we obtain your separate consent to automatic renewal. 15 days before each renewal date, we email you the renewal date.

Failed payments

If a payment fails, we notify you to change your payment method. If payments keep failing and the subscription is canceled, the workspace is moved to the free plan. In that case, features beyond the limits of the free plan may be restricted.

Price changes and free trials

Price increases

To raise the price of a paid plan, we obtain your consent within 30 days before the effective date. We send the consent request no later than 7 days before the effective date, together with the following information.

• The price before and after the change
• The effective date
• The payment method
• How to cancel

If you do not consent, your plan will not renew at the new price. The same procedure applies when a discount period ends and the regular price applies.

Free trials

If we offer a free trial, we obtain your consent within 30 days before the trial converts to a paid plan. 7 days before the trial end date, we notify you of the end date, the payment amount and how to cancel.

Cancellation and refunds

How to cancel

You can cancel your subscription online at any time. Go to the billing management page (Stripe customer portal) from Settings and cancel your subscription. There are two ways to cancel a subscription.

Subscription refunds

Refund requests made within 7 days of the payment date are handled as a withdrawal from the contract (cooling-off).

• If you have not used the Service, we refund the full amount.
• If you have used the Service, such as by uploading files, posting comments or using credits, we refund the payment amount reduced by the deduction rate. No 10% deduction applies.

If you request early termination more than 7 days after the payment date, we refund the payment amount reduced by the deduction rate, less a 10% deduction.

The deduction rate is the larger of the elapsed-day ratio and the plan credit usage ratio. The calculation method and examples are set out in Appendix A.

Purchased credit refunds

You can request a refund of remaining purchased credits while they are valid.

• Refund requests made within 7 days of the purchase date are handled as a withdrawal from the contract (cooling-off), and we refund the full remaining credit amount.
• More than 7 days after the purchase date, we refund the remaining credit amount less a 10% deduction.

When no 10% deduction applies

In the following cases, we refund both subscriptions and purchased credits without the 10% deduction.

• You could not use the Service for reasons attributable to us
• The Service is discontinued
• You terminate because you do not agree to a change to these terms

Refund processing

You can request withdrawal, early termination and purchased credit refunds through our contact.

• Refunds for withdrawal from the contract are processed within 3 business days of receiving the request.
• Other refunds are processed within 7 business days of confirming the request.

Refunds are made to the original payment method. Credits corresponding to the refunded amount are reclaimed.

Credits

Credits are the unit used for AI features and are granted to a workspace. There are three types of credits. Appendix B sets out how each type is granted, its validity period and refunds.

• Plan credits: granted each billing period of a paid plan
• Purchased credits: purchased separately by the user
• Offer credits: granted under an offer plan

Validity period

Purchased credits expire 90 days after the purchase date. Plan credits expire at the end of the billing period and do not carry over to the next billing period. If you change plans, your existing plan credits expire and plan credits for the new plan are granted.

Order of use and limits

Credits are deducted in the following order.

1. Plan credits and offer credits
2. Purchased credits, starting with those that expire first

If workspace owners and admins set a member credit limit, the member can use credits only within that limit.

Credits for AI tasks

The credits required for an AI task depend on the model and settings, and are shown before you run the task. When an AI task starts, we reserve the required credits. When the task finishes, we deduct only the credits actually used and return the rest.

• If you cancel a task, we deduct credits for the processing completed before cancellation.
• If a task fails, we return the reserved credits. However, credits for processing steps completed before the failure may be deducted.

Transfer and cash exchange

Credits cannot be exchanged for cash except through refunds under Appendix A. Credits cannot be transferred to or exchanged with another workspace or another person.

Offer codes and offer plans

We may issue offer codes that provide a plan without payment for a set period. A plan received this way is an offer plan, and that period is the offer period. The offer period and conditions are provided with each offer code.

• Each workspace can receive an offer plan only once.
• A workspace subscribed to a paid plan cannot receive an offer plan.

When the offer period ends, the workspace is moved to the free plan and is not charged automatically. If you pay for a paid plan during the offer period, any remaining offer credits expire, and you cannot use another offer code until the original offer period ends.

During the offer period, workspace deletion cannot be scheduled in the Service. To delete a workspace during this period, you can submit a request through our contact.

Your content

Rights in content

Rights in the files, comments and other content you upload belong to you or the original rights holder. We do not claim ownership of your content. You represent that you have the rights needed to upload and share your content.

Our use of your content

You permit us to use your content to the extent necessary to provide the Service. This includes storage, conversion, preview generation, transmission, sharing features and backup. This permission is free of charge and non-exclusive.

When you delete content, this permission ends. However, we keep the content to that extent until backups are deleted and for any retention period required by law. We do not use your content for advertising or promotion without your consent.

Feedback

If you send us feedback about the Service, we may freely use it to improve the Service.

AI features

The Service provides features that use generative artificial intelligence. We use external AI providers to generate video, images, 3D models and documents. AI providers and the information they process are listed in our Privacy Policy.

Rights in inputs and outputs

As between you and us, rights in what you enter into AI features and in the outputs belong to you. We do not claim rights in outputs. However, please note the following.

• Outputs may not be protected by copyright under applicable law.
• Other users may receive similar or identical outputs.

Your responsibilities

Outputs may be inaccurate or differ from what you expect. You must review outputs yourself before using them. You are responsible for ensuring that your inputs do not infringe the rights of others, and for the consequences of using outputs. You must also comply with the usage policies of each AI provider.

AI-generated labels

Outputs may include a label indicating that they were generated by AI. You may not remove or alter this label. When you publish an output that is difficult to distinguish from reality, you must disclose that it was generated by AI.

Training and model changes

We do not use your inputs, attachments or outputs to train models.

We may change or discontinue models for reasons on the AI provider's side. In that case, we will notify you in the Service in advance where possible.

API and external services

API

You can obtain an API key to call Service features, and you must keep your API key secure. Requests made with an API key are treated as made by the user to whom the key was issued. This does not apply if the API key was leaked without your intent or negligence. We may limit request volume to keep the Service stable.

External services

You can connect external services such as Google and Apple sign-in, Slack notifications and YouTube links. External services are governed by their own terms. We are not responsible for outages of external services that occur without our intent or negligence.

Prohibited conduct

You may not do any of the following.

• Upload or generate content that violates the law or is used for crime
• Upload or generate child sexual abuse material, non-consensual sexual imagery, or deepfakes that impersonate or defame real people
• Infringe the copyright, trademark, publicity rights or personal information of others
• Upload malware, interfere with the Service, or access systems without authorization
• Reverse engineer the Service or scrape it in bulk by automated means
• Use the Service or outputs to train competing AI models
• Remove or alter the AI-generated label on outputs
• Sell or transfer accounts or credits
• Pay or obtain offer codes by fraudulent means
• Use the Service from a country or region subject to U.S. government sanctions, or use it as a sanctioned person
• Send spam, phish, or otherwise deceive others

Infringement reports

Copyright infringement reports

We accept copyright infringement reports through our contact. A report must include the following.

• Contact details of the rights holder and the reporter
• The copyrighted work that was infringed
• The location of the infringing content
• An explanation showing that the reporter holds the rights
• A statement that the report is true

When we receive a report, we immediately stop transmission of the content and notify the reporter and the user who uploaded the content.

Requests to restore transmission

The user who uploaded the content can request that transmission be restored, with an explanation showing a legitimate right. We notify the reporter of the restoration request and restore transmission following the procedure and timeline set by applicable law.

We terminate the accounts of users who repeatedly infringe copyright. Anyone who submits a report or restoration request without a legitimate right is liable under applicable law for the resulting damages.

Privacy and defamation

If content made public through an access link infringes someone's privacy or reputation, the affected person can request its removal. When we receive a request, we remove the content without delay or apply a temporary measure of up to 30 days, and notify the requester and the user who uploaded the content.

Restrictions on use

We may restrict your use of the Service in the following cases.

• You engage in prohibited conduct or violate these terms
• There is fraudulent payment or a security threat
• There is a lawful request from a court or investigative authority

Depending on the severity of the violation, we apply a warning, feature restriction, suspension or termination of the service agreement.

Before restricting use, we notify you of the reason and give you an opportunity to explain. If there is clearly illegal conduct or an urgent security threat, we restrict use first and notify you without delay. You can object through our contact. Even if the service agreement is terminated due to a restriction, withdrawal and refunds apply to the extent required by applicable law.

Service changes and interruptions

Service changes

We may add, change or discontinue features of the Service. We notify you of changes unfavorable to you starting 30 days before the effective date. Scheduled maintenance is announced in advance.

Outages and interruptions

We notify you without delay if a service outage, security incident or data breach occurs, or if the Service is interrupted beyond the promised period.

Service discontinuation

To discontinue the entire Service, we notify you starting 60 days before the discontinuation date. In that case, we do the following.

• Give you a period to download your data.
• Refund the remaining billing period and remaining purchased credits under the rules in Appendix A, without the 10% deduction.

Account deletion and workspace deletion

Account deletion

You can delete your account at any time in your account settings. If you own a workspace, you must first delete it or transfer ownership before deleting your account.

When you delete your account, we delete your account, authentication information and external service integration information, and remove you from the workspaces you joined. Content you uploaded to a workspace remains as workspace content. Information that must be kept by law is kept as described in our Privacy Policy.

Workspace deletion

The workspace owner can schedule deletion of the workspace. Once scheduled, the workspace and all its content are permanently deleted after 7 days. During those 7 days, you can cancel the scheduled deletion or download content.

When deletion is finalized, we cancel the subscription and settle any fees not yet charged. The remaining billing period of a subscription canceled by deletion is not refunded. If you want a refund for the remaining billing period, you can request early termination before scheduling deletion. Remaining purchased credits are refunded under the rules in Appendix A.

Deleted content

Deleted content cannot be restored. Backups of deleted content are deleted within 7 days after deletion.

Limitation of liability

We make efforts to provide the Service reliably. The free plan and beta features are provided as is.

Our liability

We compensate you for damages caused by our intent or negligence. For damages caused by our ordinary negligence, liability is limited to ordinary damages, and our total liability will not exceed the greater of the amount you paid us in the 12 months before the damage occurred and USD 100. This limit does not apply to the following.

• Damages caused by our intent or gross negligence
• Bodily injury
• Liability that cannot be limited by law

When we are not liable

We are not liable for the following damages unless they are caused by our intent or negligence. We bear the burden of proving that we acted without intent or negligence.

• Damages caused by natural disasters or similar force majeure
• Damages attributable to you
• Damages caused by outages of external services

Your liability

If you cause damage to us by violating these terms, you must compensate us for that damage. If another person claims damages against us because of content or a violation caused by your intent or negligence, you must indemnify and defend us.

Notices

We notify you through your registered email address or in the Service. Matters for all users are announced in the Service, and matters that significantly affect you are also sent by email. You agree to receive notices under these terms electronically.

Changes to these terms

We may change these terms to the extent permitted by applicable law. We announce the changes and the effective date starting 7 days before the effective date. For changes unfavorable to you, we announce them starting 30 days before the effective date, also notify you by email, and show a comparison of the terms before and after the change.

The announcement and email clearly state that you will be deemed to have agreed to the change if you do not object before the effective date. If you do not agree to the change, you can request early termination before the effective date, and in that case we refund you under the rules in Appendix A without the 10% deduction.

The terms in effect before the change apply to disputes already in progress.

Governing law and dispute resolution

These terms are governed by the laws of the Republic of Korea. If a dispute arises, you and we will first try to resolve it through our contact.

Lawsuits with users residing in the Republic of Korea are brought before the court with jurisdiction under the Civil Procedure Act. For lawsuits with users residing outside the Republic of Korea, the Seoul Central District Court has jurisdiction. However, this section does not limit rights guaranteed to consumers by the laws of the country where you reside.

Region-specific information

Language. These terms are published in Korean and English. If the two versions differ, the Korean version governs.

Users in the United States. Before you pay, we display the automatic renewal terms next to the consent checkbox and obtain your separate consent. We notify you of price increases between 30 and 7 days before the effective date. We also accept infringement notices and counter-notices under the U.S. Digital Millennium Copyright Act (DMCA) through our contact, and we terminate the accounts of users who repeatedly infringe copyright.

Users in California. Under California Civil Code Section 1789.3, you may file a complaint or request information from the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, telephone (800) 952-5210.

Miscellaneous

• If any provision of these terms becomes invalid, the remaining provisions remain in effect.
• Our failure to exercise a right under these terms is not a waiver of that right.
• You may not transfer your position under the service agreement to anyone else without our consent.
• We may transfer our position under the service agreement in a merger or business transfer, and will notify you if we do.

Contact

You can send questions about these terms, payments, refunds and infringement reports to our contact below.

Appendices: Refund and credit details

A. Refund rules

Refunds by case

For purchased credits, the payment date is the purchase date.

Subscription refund formula

Refund amount = payment amount × (1 − deduction rate)

Where the 10% deduction applies, we refund the amount above less 10%.

• The deduction rate is the larger of the elapsed-day ratio and the plan credit usage ratio.
• The elapsed-day ratio is the number of days elapsed in the billing period divided by the total number of days in the billing period. Elapsed days include both the payment date and the date of the refund request.
• The plan credit usage ratio is the plan credits used in the billing period divided by the plan credits granted. For plans without plan credits, only the elapsed-day ratio applies.
• If the number of seats changed during the billing period, the calculation is based on the amount actually paid and the plan credits granted for that billing period.

Calculation examples

This example is an annual plan of $365 (a 365-day billing period) terminated early on day 146, counting the payment date. The elapsed-day ratio is 40%, and because more than 7 days have passed since the payment date, the 10% deduction applies.

If a monthly plan of $30 (a 30-day billing period) is terminated early on day 5, counting the payment date, and the Service was used during that time, the elapsed-day ratio is 5 ÷ 30 and no 10% deduction applies. If no plan credits were used, the refund is $30 × (1 − 5/30) = $25.

Remaining credit amount

Remaining credit amount = payment amount for the purchased credits × (remaining credits ÷ credits purchased)

B. Credit types