NEED INSURED TERMS OF SERVICE
Last updated: Sep 30, 2026
Please read these Need Insured Terms of Service (the “Terms”) and our Privacy Policy (“Privacy Policy”) carefully because they govern your use of the websites located at need.ai (collectively, the “Site”) and the cancer protection system platform (the “Need Platform,” as further described below) accessible via the mobile application (“App”) offered by Need Korea LLC ("Need"). These Terms apply to insured users who access the Need Platform in connection with a qualifying insurance policy (each, an “Insured”). To make these Terms easier to read, the Site, the Need Platform, the App, the Platform Services, and your interactions and communications with Need through Need’s official KakaoTalk channel or other channels determined by Need are collectively called the “Services.”
1. Need Platform
Need may provide the following services. These services will be collectively referred to as “Platform Services”:
(a) Supporting users of the Services (“users” or “you”) to conveniently receive the most up-to-date, guideline-based cancer screening. Through this service, you will be able to receive information on medical institutions providing screening, information based on international guidelines (NHIS screening guidelines and Korea’s National Cancer Center screening project recommendations) and information from a support team if you have any questions (however, specific examinations and recommendations related to cancer screening are not included in the services, and you should separately consult with a medical institution or professional for such matters).
(b) Need Customer Support Team providing assistance in collecting your medical information and alerting your providers about how to use the separate provider-focused application.
(c) Facilitating users to receive the most up-to-date, international guideline-based cancer treatment from their providers through the following activities, systems, and feature sets: case activation; provider onboarding; data collection and digitization; data validation; and access to the Need customer support team for care navigation.
The decision to use the above service is entirely based on the personal judgment of the attending physician. While Need provides support for the use of this service, it does not require or force the attending physician to use this service, nor does it guarantee the attending physician's use of this service. The user fully understands the above and explicitly acknowledges that this service may not be used based on the attending physician's judgment.
(d) Facilitating users to receive the most up-to-date, guidelines-based follow-up care from their providers and screening, aimed at assisting your provider in optimizing treatment-related symptoms, as well as enabling the detection of cancer recurrence or new cancers. This service incorporates personalized guidelines-based survivorship plans, symptoms monitoring and reporting, as well as support from the Need customer support team.
(e) Providing attending physicians or other medical professionals with the user’s medical check-up reservation details, and delivering the results of such medical check-ups from the medical professionals to the user (the “Check-Up Coordination Service”). This Service is provided through Need’s platform (app) by utilizing the Bizcare service operated by Need’s service provider, AIMMED Co., Ltd.
Linked Service Account and Information Provision. The user agrees to authorize Need to create an account for a linked third-party service (the “Linked Service”) in order to receive the Check-Up Coordination Service provided by Need, and consents to the provision of the user’s personal and other necessary information to the service provider. Unless otherwise specifically requested by the user, Need will create the Linked Service account using the same information as provided in the user’s Need membership profile. The legal relationship between the user and the service provider in connection with the use of the Linked Service shall be governed by the service provider's terms of use and other applicable policies (https://bizcare.aimmed.co.kr/rules.asp). If the user terminates the Check-Up Coordination Service provided by Need, Need will, unless otherwise specifically requested by the user, promptly request the service provider to delete the Linked Service account.
(f) Improving and advancing Need's AI-based services, including through collaboration with AI technology partners, to enhance the accuracy and quality of cancer care insights, analytics, and recommendations provided through the Services.
(g) Analyzing your health information to identify clinical trials, new treatments, or other healthcare opportunities for which you may be eligible, and notifying you of those opportunities. Need does not enroll you in any clinical trial or share your identifiable information with any third party for this purpose without your separate, prior consent identifying the specific recipient.
Any other services that Need may, in its sole discretion, choose to make available through the App. Need decides what additional services to offer, and the availability of any such services may vary based on Need's agreement with your insurance provider and may be changed or discontinued at any time without notice.
2. Agreement to Terms
By your consent to these Terms and your use of our Services, you agree to be bound by these Terms. If you don’t agree to these Terms, do not use the Services.
3. Privacy Policy
Need collects and uses user personal information to provide the Services in accordance with relevant laws such as the Personal Information Protection Act, the detailed matters of which are notified in our Privacy Policy. Please review our Privacy Policy for information on how we collect, use and share your information.
4. Changes to these Terms or the Services
If necessary in the course of providing the Services, we may update the Terms from time to time (“Updated Terms”). If we do, we will specify the effective date of and reasons for the revision and will let you know with reasonable advance notice (at least 7 days’ advance notice) by posting the Updated Terms alongside the current Terms on the Site so that you may compare the changes, and/or may also send other communications. If the Updated Terms are materially unfavorable to you, we will provide at least 30 days' advance notice. If you continue to use the Services after the effective date of the Updated Terms it shall be deemed that you accept and agree to the changes. If you don’t agree to be bound by the changes, your use of the Services may be suspended and your access to the Service may be revoked. Because our Services are evolving over time, all or part of the Services may be changed or suspended in unavoidable cases such as maintenance, inspection, replacement, or breakdown of information and communication facilities or interruption of communications. Need will notify you in advance if possible, but notice may be made after the fact in unavoidable circumstances.
5. Subscription and Activation of the Services
(a) Users may use the Services without registering or creating an account with Need, but in such case access to certain Services in the App (including core services of Need) may be restricted, pursuant to Need’s policies.
(b) To access the Services, you must subscribe (register) to the App. Your registration will be completed through the identity authentication and consent process conducted at the point of sale, and Need will send your activation link, and may provide service-related communications, through Need's official KakaoTalk channel or other channels determined by Need (such as SMS or, where digital channels are unavailable, by telephone). You can create and manage only one account per user.
(c) Your access to the Services is subject to the applicable Service Period described in Section 8. Need may suspend or end your access at any time if Need determines in its sole discretion that you are no longer eligible for the Services. Need will not be liable to you for any suspension or termination of your access under this section.
(d) In order to sign up for this service, you must be at least 14 years old, and not otherwise restricted from using the Services under the laws of the Republic of Korea. Registration applications for those who do not meet these qualifications may be rejected.
(e) You must provide accurate, complete, and current information requested by Need in relation to your account and must keep such information up to date. If not, Need may temporarily suspend or terminate your account.
(f) In order to protect your account, you must keep the account details and password confidential, and if any unauthorized use occurs, you must immediately notify Need. Need may take measures to suspend or restrict the use of a user's account if the user's account is used for illegal or unfair purposes.
6. Your Relationship with Need
Need acts solely as an information technology platform to provide you with products and services offered through the Services. Need is not a medical institution, and the Services constitute a health management service provided by a non-medical institution that does not fall under the Korean Medical Service Act. Need does not provide medical advice, diagnosis, treatment, or second opinions, and does not recommend or endorse any specific healthcare provider, treatment, medication, or medical procedure. You are solely responsible for consulting with a medical institution or a medical professional regarding any cancer diagnosis, suspected cancer, or other disease. All medical decisions and their outcomes are solely the responsibility of you and your healthcare providers, and Need shall not be liable for any medical decisions made or not made based on information provided through the Services. Need is not responsible for any decisions made by your insurance provider, including decisions about your policy, coverage, premiums, claims, or eligibility. If your insurance provider takes any action that may affect your access to the Services, including cancelling your policy, changing your coverage, or stopping the offer of Need-integrated policies, your only recourse is with your insurance provider, not with Need.
7. Disclosures Regarding Content
The Services are provided to users for informational purposes only. The Services cannot replace professional medical practice, and you must consult with a medical institution or a medical professional in executing any and all recommendations, information, and data provided through the Services. The Services are provided on an 'as available' basis, and Need does not promise that the Services will always be available, error-free, or uninterrupted. Need does not guarantee any specific response times, service levels, or availability. You acknowledge that the Services may be unavailable from time to time due to maintenance, technical issues, or other factors.
Need is committed to protecting the safety and privacy of your health information, including integrating network and software security protocols of relevant electronic systems. Need strives to protect users' personal information, such as taking reasonable measures in accordance with relevant laws and regulations. Need is not responsible for users who circumvent the privacy settings or security measures used in the Services.
8. Limited Use and Availability
The Need Platform is currently only available to authorized users who are located in Korea. Our Services may be subject to national or local regulations and may change from time to time due to changes in applicable regulatory requirements. In addition, the following limitations and qualifications apply to you:
(a) Service Period. The length of time you can access the Services (the "Service Period") depends on your insurance policy and the agreement between Need and your insurance provider. The specific duration and scope of your access may vary based on your policy type, the terms of Need's agreement with your insurance provider, and other factors determined by Need and the insurance partner. Need and your insurance provider may change these terms at any time.
(b) Post-Diagnosis Access. If you receive a cancer diagnosis, you may be eligible to continue using certain Services for a period of time after your diagnosis. The length and availability of this continued access is determined solely by Need and your insurance provider based on their agreement, and may be changed or discontinued at any time. This post-diagnosis access, if any, is a benefit that Need provides to its insurance partners; it is not an independent right that you hold against Need. Need will inform you of any post-diagnosis access you may be eligible for at the time of your diagnosis.
(c) Waiting Periods. Some Services may not be available immediately after your insurance policy starts. Any waiting periods, and any exceptions to those waiting periods, are determined by Need and your insurance provider based on their agreement. These waiting periods may change at any time. Your insurance provider or Need can provide information about what waiting periods, if any, apply to your policy.
9. Feedback
We appreciate feedback, comments, testimonials, ideas, proposals and suggestions for improvements to the Services (“Feedback”). If you choose to submit Feedback, you agree that we are free to use it without any restriction or compensation to you. Need will not publish your name or other identifying information in connection with any testimonial unless you have given us your prior approval. Need may republish any publicly available review, comment, or testimonial about Need or the Services on the Site or in other media.
10. Your Content
(a) User Content. Our Services may allow you to submit, store, or share information, data, or content such as chat messages, text, files, assessments, self-report measures, lab samples, laboratory results, prescriptions and pharmaceutical documents, health information, documents, graphics, images, music, software, audio and video. Anything (other than Feedback) that you post or otherwise make available through the Services is referred to as “User Content.” Need does not claim any ownership rights in any User Content and nothing in these Terms will be deemed to restrict any rights that you may have to your User Content.
(b) Permissions to Your User Content. By making any User Content available through the Services, subject to applicable laws and the Privacy Policy, you hereby grant to Need a non-exclusive, transferable, worldwide, royalty-free license, with the right to sublicense, to use, copy, modify, create derivative works based upon, distribute, publicly display, and publicly perform your User Content in connection with operating, improving and providing the Services, other purposes as set forth in the Privacy Policy, or as authorized by you through separate consent.
(c) Your Responsibility for User Content. You are solely responsible for all your User Content. You represent and warrant that you have (and will have) all rights that are necessary to grant us the license rights in your User Content under these Terms. You represent and warrant that your User Content will not infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.
(d) Removal of User Content. You can remove your User Content by specifically deleting it. You should know that in certain instances, some of your User Content (such as posts or comments you make) may not be completely removed and copies of your User Content may continue to exist on the Services. To the maximum extent permitted by law, we are not responsible or liable for the removal or deletion of (or the failure to remove or delete) any of your User Content.
(e) Need’s Intellectual Property. Need retains rights to all content subject to intellectual property rights under the Services and any of its components.
11. Rights and Terms for Apps
If you comply with these Terms, Need grants to you a limited non-exclusive, non-transferable license, with no right to sublicense, to download and install the App on your personal computers, mobile handsets, tablets, wearable devices, and/or other devices and to run the App solely for your own personal non-commercial purposes. Except as expressly permitted in these Terms, you may not: (i) copy, modify or create derivative works based on the App; (ii) distribute, transfer, sublicense, lease, lend or rent the App to any third party; (iii) reverse engineer, decompile or disassemble the App (unless applicable law permits, despite this limitation); or (iv) make the functionality of the App available to multiple users through any means.
12. Service Text Messages
If you provide your mobile phone number, Kakao ID, or other information to Need (whether online or via text message) and consent to receiving information (including advertising information for commercial purposes) from Need through electronic transmission media, you grant Need the right to send you information through an electronic transmission media (such as through mobile phone, KakaoTalk, SNS message, or in-app push message). You may refuse to receive such information by explicitly expressing your intention to refuse to receive such information from Need pursuant to relevant laws and regulations.
13. General Prohibitions and Need’s Enforcement Rights
You agree not to do any of the following:
(a) Post, upload, publish, submit or transmit any User Content that: (i) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading or deceptive; (iv) is defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is violent or threatening or promotes violence or actions that are threatening to any person or entity; or (vii) promotes illegal or harmful activities or substances;
(b) Use, display, mirror or frame the Services or any individual element within the Services, Need’s name, any Need trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without Need’s express written consent;
(c) Access, tamper with, or use non-public areas of the Services, Need’s computer systems, or the technical delivery systems of Need’s providers;
(d) Attempt to probe, scan or test the vulnerability of any Need system or network or breach any security or authentication measures;
(e) Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by Need or any of Need’s providers or any other third party (including another user) to protect the Services;
(f) Attempt to access or search the Services or download content from the Services using any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by Need or other generally available third-party web browsers;
(g) Send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation;
(h) Use any meta tags or other hidden text or metadata utilizing a Need trademark, logo URL or product name without Need’s express written consent;
(i) Use the Services, or any portion thereof, for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms;
(j) Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services to send altered, deceptive or false source-identifying information;
(k) Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services;
(l) Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;
(m) Collect or store any personally identifiable information from the Services from other users of the Services without their express permission;
(n) Impersonate or misrepresent your affiliation with any person or entity;
(o) Stalk or harass any Need employee either through or outside your use of the Services;
(p) Report false or fictitious emergencies, whether relating to yourself or others;
(q) Violate any applicable law or regulation; or
(r) Encourage or enable any other individual to do any of the foregoing.
We have the right to monitor access to or use of the Services or to review or edit any content for the purpose of operating the Services, to ensure compliance with these Terms and to comply with applicable law or other legal requirements. If necessary, we may remove or disable access to any content, including User Content, including if we determine it objectionable or in violation of these Terms. We may investigate violations of these Terms or conduct that affects the Services. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.
14. Links to Third Party Websites or Resources
The Services may allow you to access third-party websites or other resources. We provide access only to provide information and do not recommend, endorse, or broker any third-party products or services. We are not responsible for the content, products or services on or available from those resources or links displayed on such websites, and you assume responsibility for your use of any third-party resources.
15. Termination
Your access to the Services will automatically end upon the expiration of the applicable Service Period described in Section 8, without any action required by Need. In addition, we may suspend or terminate your access to and use of the Services and our contractual relationship under these Terms, including suspending access to or terminating your account, (a) for reasonable cause, (b) at any time, for any reason or no reason, upon thirty (30) days' prior written notice, or (c) immediately without notice if you breach these Terms, engage in conduct that could harm Need, other users, or the Services, or if required by applicable law. You may cancel your account at any time by sending us an email at hello@need.ai or deleting (canceling) via the account management page of the Site, whereupon Need will remove your access to the Need platform and Services. Need may retain your health information on the Need system/platform to the extent permissible under applicable law. Need shall have no liability to you for any suspension or termination of your access to the Services or your account. Upon any termination, discontinuation or cancellation of the Services or your account, the following Sections will survive: 3, 9, 10(b), 10(c), 10(e), 14, 15, 16, 17, 18, 19, 20 and 21.
16. Warranty Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS" AND "AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. NEED, ITS AFFILIATES AND SERVICE PROVIDERS DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY INFORMATION, RECOMMENDATIONS, OR DATA PROVIDED THROUGH THE SERVICES WILL BE ACCURATE, COMPLETE, OR USEFUL. General advice posted to the Site or relayed through the Services is for informational purposes only and is not intended to replace or substitute any medical practice from a medical practitioner or institution. You must consult with a medical institution or medical professional for all healthcare decisions, and none of Need, its affiliates or service providers bears any responsibility for any medical decisions made or outcomes resulting from your use of the Services.
Some parts of the Services may utilize AI (artificial intelligence). TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEED DOES NOT WARRANT OR GUARANTEE THE LEGALITY, ORIGINALITY, EXCLUSIVITY, RELIABILITY, ACCURACY, AUTHENTICITY, USABILITY, OR SUITABILITY FOR A SPECIFIC PURPOSE OF THE OUTCOMES OR RESULTS PRODUCED THROUGH AI. NEED SHALL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, HARM, OR ADVERSE OUTCOMES ARISING FROM OR RELATED TO AI OUTPUTS, INCLUDING ANY DECISIONS MADE OR ACTIONS TAKEN (OR NOT TAKEN) BASED ON AI-GENERATED CONTENT. YOU ASSUME ALL RISK ASSOCIATED WITH YOUR USE OF AI FEATURES WITHIN THE SERVICES.
17. Indemnity
To the fullest extent permitted by applicable law, you will indemnify, defend, and hold harmless Need and its parent company, affiliates, subsidiaries, licensors, and their respective officers, directors, employees and agents, for any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (a) your access to or use of the Services, (b) your User Content, (c) your violation of these Terms, (d) your negligence or willful misconduct in connection with the Services, or (e) any third-party claim arising from your use of the Services or your User Content. Need may, at your expense, assume the exclusive defense and control of any matter for which you are required to indemnify Need, and you agree to cooperate fully with Need's defense of such claims. The foregoing indemnification obligations shall not apply to the extent that any claim arises solely from Need's gross negligence or willful misconduct.
18. Limitation of Liability
(a) TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER NEED NOR ITS SERVICE PROVIDERS INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SERVICES WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST SAVINGS, LOST BUSINESS OPPORTUNITY, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES, EXCEPT TO THE EXTENT SUCH DAMAGES ARISE FROM NEED'S OR ITS AFFILIATES’, EMPLOYEES’, OR SERVICE PROVIDERS' INTENTIONAL MISCONDUCT OR GROSS NEGLIGENCE.
(b) NEED IS NOT RESPONSIBLE FOR ANY DAMAGES SUFFERED BY USERS DUE TO THE ACTIONS OF THIRD PARTIES INCLUDING OTHER USERS USING THE SERVICES.
(c) TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL NEED’S TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SERVICES EXCEED ONE HUNDRED US DOLLARS (USD 100), IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO NEED, AS APPLICABLE.
(d) THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN NEED AND YOU.
19. Governing Law and Forum Choice
These Terms and any action related thereto will be governed by the laws of the Republic of Korea, without regard to its conflict of laws provisions. The exclusive jurisdiction for all disputes in the first instance will be the Seoul Central District Court.
20. General Terms
(a) Reservation of Rights. Need and its licensors exclusively own all right, title and interest in and to the Services, including all associated intellectual property rights. You acknowledge that the Services are protected by copyright, trademark, and other laws of the United States and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services.
(b) Entire Agreement. These Terms constitute the entire and exclusive understanding and agreement between Need and you regarding the Services, and these Terms supersede and replace all prior oral or written understandings or agreements between Need and you regarding the Services. If any provision of these Terms is held invalid or unenforceable by an arbitrator or a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect. Except where provided by applicable law in your jurisdiction, you may not assign or transfer these Terms, by operation of law or otherwise, without Need’s prior written consent. Any attempt by you to assign or transfer these Terms absent our consent or your statutory right, without such consent, will be null. Need may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.
(c) Notices. Any notices or other communications provided by Need under these Terms will be given: (i) via email; or (ii) by posting to, or notices from, the Services. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.
(d) Waiver of Rights. Need’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Need. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.
21. Contact Information
If you have any questions about these Terms or the Services, please contact Need at legal@need.ai.