Terms of Service — Vwrap

1. Introduction and Acceptance

These Terms of Service (the "Terms") form a binding agreement between you and Nu-F-O, a sole proprietorship registered in the Republic of Korea, operating under the brand Vwrap. In these Terms, "Vwrap," "we," "us," and "our" refer to Nu-F-O / Vwrap. "You" and "your" refer to the individual or entity using the Service.

The Service (defined in Section 2) is offered globally, including in the Republic of Korea. By accessing or using the Service, you confirm that you have read, understood, and agree to these Terms, our Privacy Policy, our Refund Policy, and our Cookie Policy, each of which is incorporated by reference. The Service interface is presented in English; we do not currently offer a Korean-language version of the user interface but Korean-resident users may transact in Korean for matters addressed to our Personal Information Protection Officer and for consumer-protection inquiries.

If you do not agree to these Terms, you must not access or use the Service.

2. The Service

Vwrap is a web-based platform that helps creators (a) research YouTube niches by surfacing public channel and video analytics through the YouTube Data API, and (b) generate and edit thumbnail images using third-party artificial-intelligence models. The Service includes the Vwrap website, the user dashboard, the thumbnail editor canvas, related APIs, and any updates we publish from time to time.

We make no guarantee that any specific output, recommendation, or search result will be accurate, complete, available, suitable for your purpose, or free of errors or biases inherited from third-party AI models. The Service is a creative tool; you are solely responsible for evaluating outputs before publishing them.

3. Eligibility

To use the Service, you represent and warrant that:

You are at least 16 years old. Korean residents under 14 may not use the Service; Korean residents aged 14 to 18 must have legal- representative consent in accordance with the Korean Civil Code.
If you are using the Service on behalf of an organization, you have the authority to bind that organization to these Terms.
You are not located in, ordinarily resident in, or otherwise accessing the Service from a country or region subject to comprehensive United States, European Union, or United Nations sanctions, and you are not on any United States, European Union, United Nations, or Republic of Korea sanctions list.
You will use the Service in compliance with all applicable laws.

4. Account Registration and Security

You create a Vwrap account by signing in with an email address through Supabase Auth. You agree to provide accurate information and to keep your account information current. You may not create more than one personal account, and you may not share your account credentials with any third party.

You are responsible for all activity that occurs under your account, including any unauthorized activity that results from your failure to safeguard credentials. You must notify us immediately at support@vwrap.ai if you suspect any unauthorized access or use of your account.

5. Subscriptions, Credits, and Billing

5.1 Plan Tiers and Credit Grants

The Service offers tiered subscription plans. Each plan grants a monthly allotment of credits, which are consumed when you use AI generation or editing features. The current plans and grant amounts are:

Free: 125 credits granted on signup and renewed every 30 days. Free credits expire 30 days after they are granted and do not accumulate.
Starter: 2,500 credits / month.
Pro: 5,500 credits / month.
Studio: 15,000 credits / month.

Plan tiers, prices, credit grants, and per-feature credit costs may change. We will give at least 30 days' advance email notice for any material pricing change that affects an existing subscription.

5.2 Billing Cycles, Trials, and Auto-Renewal

Subscriptions are billed in advance on a monthly or yearly cycle, depending on the plan you select at checkout. Yearly subscriptions receive a 20% discount and grant 12 months of credits upfront on the date of purchase.

New accounts may receive a complimentary 7-day Pro-tier trial, which grants trial credits and Pro-tier model access without charging a payment method. At the end of the trial, any unused trial credits expire and your account reverts to the Free tier unless you have selected a paid subscription.

All paid subscriptions auto-renew at the end of the then-current billing period using the payment method on file, until you cancel. You may cancel at any time from your account settings or by emailing support@vwrap.ai. Cancellation becomes effective at the end of your current paid period; you retain access until that date.

5.3 Top-Up Credit Packs

You may purchase one-time top-up credit packs in addition to your subscription:

$5.00 USD → 500 credits
$10.00 USD → 1,100 credits (includes 100-credit bulk bonus)
$25.00 USD → 2,800 credits (includes 300-credit bulk bonus)

Top-up credits remain available in your balance for 12 months from purchase, then expire.

5.4 Loyalty Bonus and Rollover

Monthly subscribers receive a loyalty bonus on their monthly credit grant: +10% in month 2, and +20% in month 3 and thereafter. Cancelling and re-subscribing resets the loyalty counter.

Unused subscription credits may roll over into the next billing period subject to plan limits: Free and Starter do not roll over; Pro rolls over up to 1.5× the monthly cap; Studio rolls over the full unused balance. Top-up credits roll over up to their 12-month expiration.

5.5 Payment Processing and Merchant of Record

Payments are processed by Polar (Polar Software, Inc., polar.sh), which serves as the merchant of record for all transactions on the Service. Polar collects payment details, processes charges, handles tax calculation and remittance in applicable jurisdictions, manages refunds, and addresses chargebacks. Your purchase is governed by both these Terms and Polar's Buyer Terms.

Refund eligibility is described in our Refund Policy. Refund requests are submitted to us at support@vwrap.ai and, when approved, are executed by Polar to your original payment method.

6. Acceptable Use

You agree that you will not use the Service to:

Generate, store, or distribute content that depicts minors in any sexualized manner, or any material that constitutes child sexual abuse material (CSAM) under any applicable law.
Generate, store, or distribute non-consensual intimate imagery, including but not limited to nude or sexual depictions of any real, identifiable person who has not consented.
Create deceptive deepfakes or impersonations of real people without their explicit consent, particularly where the content could deceive viewers into believing the depicted person said or did something they did not.
Generate content that infringes another party's copyright, trademark, right of publicity, or other intellectual-property rights.
Generate, store, or distribute content that is defamatory, fraudulent, harassing, threatening, illegal in any applicable jurisdiction, or that incites violence.
Use the Service for spam, phishing, or any other deceptive commercial practice.
Distribute malware, run denial-of-service attacks, or otherwise interfere with the integrity or performance of the Service.
Reverse engineer, decompile, disassemble, or attempt to derive the source code of any component of the Service, except to the extent expressly permitted by applicable law.
Scrape, crawl, or systematically extract data from the Service except through interfaces we expressly offer for that purpose.
Resell, rent, sublicense, or otherwise commercially exploit access to the Service without our prior written consent.
Circumvent or attempt to circumvent any rate limit, credit gate, plan limit, or other technical restriction we apply.
Use the Service to generate content that violates the terms of any AI sub-processor we use (see Privacy Policy Section 4).

Rights and consent for likenesses you upload. You represent and warrant that you hold all rights, licenses, and consents necessary for any image, photograph, likeness, or third-party content you upload to, or incorporate into content generated with, the Service. The Service is intended for your own likeness and for people who have given you their permission — you will not upload or generate the likeness of any identifiable real person (including public figures or celebrities) without their explicit consent.

You are solely responsible for any output you publish or distribute. The Service is a tool; we are not the publisher of your outputs. We may remove, restrict, or report content that we reasonably believe violates these Terms or applicable law, without notice.

7. Intellectual Property

7.1 Your Inputs

You retain all rights you held in the images, prompts, text, and other materials you provide to the Service (your "Inputs"). You represent and warrant that you have all necessary rights to provide your Inputs to us and to the AI sub-processors we use on your behalf, and that your Inputs do not infringe the rights of any third party.

You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, transmit, process, and display your Inputs for the sole purpose of operating the Service for you. This license terminates when you delete the Input or your account, subject to the retention periods described in the Privacy Policy.

7.2 Your Outputs

Subject to your compliance with these Terms and the terms of any applicable AI sub-processor, you own the thumbnails and other creative outputs you generate using the Service (your "Outputs"). Because Outputs are produced by third-party AI models, ownership and licensing of Outputs may also be subject to the terms of those providers. You should review the relevant provider terms before using Outputs in ways that exceed personal or non-commercial use.

7.3 Our Intellectual Property

The Service, including all underlying software, designs, templates we author, the Vwrap brand, logos, and trade dress, are owned by us or our licensors and are protected by intellectual property laws. These Terms do not grant you any rights in our intellectual property except the limited right to use the Service as described.

7.4 Copyright and Takedown

If you believe content on the Service infringes your copyright, please email support@vwrap.ai with: (i) a physical or electronic signature; (ii) identification of the copyrighted work claimed to be infringed; (iii) identification of the allegedly infringing material and information sufficient to locate it; (iv) your contact information; (v) a statement that you have a good-faith belief that the use is not authorized; and (vi) a statement, under penalty of perjury, that the information is accurate and that you are authorized to act on behalf of the rights owner.

8. YouTube Data and YouTube API Services

The Service uses the YouTube Data API operated by Google to retrieve public YouTube channel and video metadata in response to your queries. By using the Service's YouTube- related features, you also agree to:

You may revoke our access to YouTube Data on your behalf at any time through your Google security settings.

9. Third-Party AI Providers

The Service's generation and editing features rely on AI models operated by third-party providers (see Privacy Policy Section 4). We do not warrant the quality, accuracy, safety, originality, or non-infringing nature of any Output produced by these models. Outputs may reflect biases, factual errors, or artifacts inherited from the underlying training data, and may coincidentally resemble copyrighted or trademarked works.

We may add, replace, deprecate, or discontinue AI providers at any time. Where a change materially affects available models, we will give reasonable advance notice. We are not liable for changes made by an AI provider to its own service, terms, or pricing.

10. Sanctions and Restricted Regions

The Service is not available in any country or region subject to comprehensive United States, European Union, or United Nations sanctions. We reserve the right to detect access from sanctioned regions through IP-based geolocation or other means and to block, suspend, or terminate accounts found to be in violation of this Section.

We make no representation that the Service is appropriate or available for use in any particular jurisdiction. You are responsible for compliance with all local laws if you choose to access the Service.

11. Suspension and Termination

We may suspend, restrict, or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms, applicable law, or the terms of any AI sub-processor. Where reasonable, we will give you notice and an opportunity to address the issue before terminating.

You may terminate your account at any time by deleting it from your account settings or by emailing support@vwrap.ai.

Upon termination: (i) your right to access the Service ends immediately; (ii) unused credits granted under a subscription are forfeited; (iii) unused top-up credits within the refund window described in the Refund Policy may be refunded; and (iv) Sections that by their nature should survive termination (including Sections 7, 9, 12, 13, 14, and 15) will survive.

12. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OR ERROR-FREE OPERATION.

WE DO NOT WARRANT THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS; (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (iii) THE INFORMATION OR OUTPUTS OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (iv) THE QUALITY OF ANY OUTPUT WILL MEET YOUR EXPECTATIONS. AI-GENERATED OUTPUTS MAY CONTAIN ERRORS, OMISSIONS, OR BIASES, AND YOU ARE SOLELY RESPONSIBLE FOR EVALUATING THEM BEFORE USE.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE WILL NOT EXCEED THE GREATER OF: (a) THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) UNITED STATES DOLLARS ONE HUNDRED (US$100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent any limitation in this Section is held unenforceable in your jurisdiction, we will be liable to the minimum extent required by applicable law.

14. Indemnification

You agree to defend, indemnify, and hold harmless Nu-F-O / Vwrap and our owners, employees, agents, and affiliates from and against any third-party claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (i) your use of the Service; (ii) your Inputs or Outputs; (iii) your violation of these Terms; or (iv) your violation of any applicable law or third-party right (including intellectual-property and privacy rights).

15. Governing Law and Dispute Resolution

These Terms are governed by and construed under the laws of the Republic of Korea, without regard to its conflict-of-laws principles. Any dispute, controversy, or claim arising out of or relating to these Terms or the Service that is not resolved informally will be brought exclusively before the Busan District Court (부산지방법원) in the Republic of Korea, and you consent to the personal jurisdiction and venue of that court.

Nothing in this Section limits any non-waivable consumer- protection rights granted to you under the mandatory law of your country or state of residence. If you are a consumer resident in the European Union, you may also bring proceedings in the courts of your country of residence.

16. Changes to These Terms

We may update these Terms from time to time. For material changes (for example, changes affecting pricing, refund eligibility, acceptable use, or dispute resolution), we will notify you by email at least 30 days before the change takes effect, and update the "Last updated" date at the top of this page. Minor or clarifying changes will take effect when posted.

Your continued use of the Service after the effective date of an update constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may terminate your account as described in Section 11.

17. Miscellaneous

Severability. If any provision of these Terms is held unenforceable, the remaining provisions will continue in full force and effect.
No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets, on notice to you.
Entire agreement. These Terms, together with the Privacy Policy, Refund Policy, and Cookie Policy, are the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings.
Force majeure. We are not liable for delays or failures in performance caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, internet outages, or third-party service failures.
Independent contractors. Nothing in these Terms creates an agency, partnership, joint venture, or employer-employee relationship between you and us.

18. Cancellation Rights Under Korean Law (청약철회)

For Korean-resident consumers, the Service's subscription purchases and one-time top-up credit purchases are subject to the cancellation-rights provisions of the Korean Act on the Consumer Protection in Electronic Commerce (전자상거래 등에서의 소비자보호에 관한 법률; the "E-Commerce Act"), as modified by the digital-content exception in Article 17(2) of that Act.

Subscription and top-up credits are digital content delivered immediately upon purchase. Once you consume any credits granted by a purchase, the unilateral 7-day cancellation right under Article 17(1) does not apply to the consumed portion. Our Refund Policy sets out the consumption-thresholded refund mechanism we offer in lieu of immediate cancellation, which we believe meets or exceeds the baseline required by the E-Commerce Act for digital content. You may also exercise any non-waivable mandatory consumer-protection right granted by Korean law by contacting support@vwrap.ai.

19. Seller Information (사업자 정보) and Contact

The following is our general contact for questions, notices, and complaints about these Terms or the Service:

Trade Name (상호): Nu-F-O (operating as Vwrap)
Email (이메일): support@vwrap.ai