• Mission
    Our mission is to let you be free from financial burden and complexity. Current retail banks or financial institutions is very complex and difficult to use unless you are a financial expert, and it is not easy for many of you to integrate into their system while living your own life - work, love, vacation, eat, raising children and taking care of life itself.
  • Vision
    Our vision and mandate is to establish an AI Bank for all – limitless and borderless
  • Milestone
    Phase 1 - Investment specialized AI to lift people's everyday financial burden
    Phase 2 - Line of Credit, Loan, and Mortgage optimization via AI, No more requirement to go through complicated process. AI will do it for you.
    Phase 3 - AI Bank, 100% limitless and borderless. Your personalized AI Bank will take care of whatever financial requirements or issues you encounter anytime, anywhere.

Our Story

Ten years back, Yongguk Hwang was working for a well-known company in South Korea as a head of SW development.
He found that many employees were not happy at work and home due to financial stresses. They were working hard
with uncertainty about their future, especially job security and career plan. Their regular incomes were enough
for living, but not enough to cover the uncertainty. They were spending hours every single day to get extra money
on top of the regular income through financial investment such as stocks, bonds or getting a wealth management
service from financial firms. However, the amount of returns were not satisfying them or removing the financial
stresses. Hwang started developing an AI platform for autopilot investing with better returns. He wanted that people
get better returns without spending any hour on monitoring and controlling investment, and work on what they love
without worrying about future uncertainty. He was developing the platform in his spare time and weekends as he had to
work for the company for a living. Eight years later, he finally managed launching the platform called HB+ and quitted
his job to run his new business full speed. HB+ is now the top profit genering AI investing platform in South Korea.
He and his team are now expending business to global including the U.S.

Our History

Phase 1
- Completed H.B+ development of artificial intelligence asset management platform
Phase 2
- Established BlueVisor, BlueVisor Systems in South Korea
- Ranked as 1st place of Koscom RA test bed
Phase 3
- Selected as the 4th of DreamLab by IBK and Dream Plus by Hanhwa
- Launched free trial service by fully automated AI system
- Startupbootcamp Finalist for FinTech & Cybersecurity programme 2018
- Supplied asset management welfare service for corporate employees
Phase 4
- Graduated Plug and Play Silicon Valley programme
- Ranked as 1st place of 2019 New York Family Office Insights Challenge
- Selected as SBC Fintech program by Australia Startupbootcamp as Top 20
- Established entrust Angles Inc in US

How We Work

We Bluevisor is aiming for opening new era of private banking service through AI/Machine learning.
Through our very first product AI-HB+, we can offer anyone to have their own AI financial advisor to boost their financial status Unlike traditional Robo-Advisors out there, HB+ is highly agile, profitable and expandable Our next step is processing Big-data gathered for HB+ to understand mind of your customer and gain true insight of your business to achieve sustainable competitiveness

Meet Our Team

  • Founder & CEO

    Yong Guk Hwang
    • Serial entrepreneur, 2 times successful exit with US$2MM
    • Expert in machine-learning and SW development
    • 20 years of SW Dev experiences
    • 10 years of trading experiences
  • COO

    Jun Young Kwon
    • Seasoned Operations and Project Manager
    • 12 years at Microsoft and Nokia
    • MBA / PMP
  • CBDO

    Bow Rodgers
    • Former Group President, Sprint Telecommunication
    • Former leadership member, Mac office, Apple
    • Founded 6 companies
  • Developer

    Geon Gi Im
    • Expert in data science
    • 5+ years in SW development
    • Major in Computer Science
  • Developer

    Byeong Il Han
    • Expert in data science
    • 5+ years in SW development
    • Major in Computer Science

Contact us

Email: [email protected]
Address: 3003 NORTH FIRST ST. STE 221, SAN JOSE, CA 95134
Terms of Service
Chapter 1: General Provisions

Article 1 [Purpose)
These Terms and Conditions are for the purpose of specifying terms and conditions of use of all services (hereinafter referred to as "Service") provided by the Blue Visor (hereinafter referred to as "Company") website (www.highbuff.com).

Article 2 (Definitions)
The terms used in these Terms and Conditions are as follows.
1. User: A person who receives services provided by the Company pursuant to these Terms and Conditions.
2. Use Contract: Agreement between the Company and the User regarding the use of the Service
3. Enrollment: Completing the service usage contract by filling in the information on the application form provided by the company and agreeing to these terms and conditions.
4. Member: Anyone who has registered for membership by providing personal information necessary for membership on this site
5. User Number (ID): A combination of alphabetic and numeric characters selected by the user and approved by the company for identification of members and use of the member's service (only one ID can be issued for one resident registration number)
6. PASSWORD: In order to protect the information of the member, the combination of alphabetic characters, numbers and special characters set by the user himself
7. Termination: The company or member will sign a contract to terminate the use agreement after using the service.

Article 3 (Effect and Change of Terms)
Members may request withdrawal (termination) of membership if they do not agree to the changed terms, and if they continue to use the service after 7 days from the effective date of the changed terms, they will be deemed to have agreed to the changes
① It is effective by posting on the service screen of these Terms, or by notifying the notice board or by other means.
② The Company may change the contents of this Agreement if it is deemed necessary, and the modified Terms shall be announced on the service screen and if the user continues to use the service after 7 days after the notification, Will be considered.
③ If the user does not agree with the changed terms, he / she can discontinue his / her use of the service and cancel his / her membership. If he / she continues to use the service, he / she will be deemed to have agreed to change the terms and conditions. .

Article 4 (Applicable Regulations)
The matters not specified in these Terms and Conditions are subject to the provisions of the Telecommunications Basic Act, Telecommunications Business Act and other relevant laws and regulations.

Chapter 2 Service Use Contract

Article 5 (Establishment of Use Contract)
The contract of use shall be established by the consent of the company for the use application of the user and the agreement of the contents of the user.

Article 6 (Application for Use)
You can apply for the service by recording the personal information of the user in the membership application form requested by the user in the service information screen of the service.

Article 7 (Approval of application for use)
① If a member makes an application for using the application form with all the details accurately stated, we will accept the application for use of the service unless there are special circumstances.
② If you fall under any of the following subparagraphs, you may not agree to use.
1. When I did not apply for my real name
2. When you apply using the name of someone else
3. If the content of the application for use is false
4. When applying for the purpose of hindering social well-being or morals
5. Not satisfied with application requirements set by other company

Article 8 (Change of Contract)
The member shall correct any changes to the items listed at the time of application.

Chapter 3 Obligations of Contracting Party

Article 9 (Obligations of the Company)
The Company shall not disclose or distribute any member's personal information to third parties without their consent. However, this shall not apply in cases where there is a request by the state agency pursuant to the provisions of the Act, such as the Basic Act on Telecommunications, a request for criminal investigation, or a request made by a procedure set forth in other related laws and regulations.

Article 10 (Membership Obligations)
① Members shall not engage in any of the following acts when using the service.
1. Misuse of other member's ID
2. To reproduce, publish or provide information obtained from the Service to a third party.
3. Acts that infringe the copyrights of the company, the copyrights of third parties, and other rights.
4. Acting in violation of public order and morals
5. Acts that are objectively judged to be connected with crime
6. Actions that violate other related laws
② Members shall not use the service to perform business activities, and the company shall not be held responsible for the results that are used for business activities.
③ The member can not transfer or give the right to use the service or the status of other usage contract to another person, nor provide it as collateral.

Chapter 4 Service Use

Article 11 (Membership Obligations)
① The member shall take responsibility for the maintenance of his / her e-mail, bulletin board, registration data etc. as necessary.
② Members can not delete or change the materials provided by the company.
③ The member shall not register on the website of the company that violates the public order and morals and the contents that infringe on the rights of the third party or other rights. Members are responsible for all the consequences of posting such content.

Article 12 (Management and Deletion of Posts)
In order to operate the service efficiently, you can limit the memory space of the member, the size of the message, the number of days to be kept, etc. If the contents to be registered falls under any of the following items, it can be deleted without prior notice.
1. Content that defames another member or a third party or damages reputation by slander.
2. In case of violation of public order and morality
3. If the content is found to be related to criminal conduct
4. If the contents violate the copyright of the company, the copyright of the third party, etc.
5. When a member posts pornographic material on the company's homepage or bulletin board or links to a sexually explicit site
6. If it is judged to be in violation of other relevant laws and regulations

Article 13 (Copyright of post)
The copyright of the post belongs to the publisher, and the member can not commercially use the material posted on the service, such as processing or selling the information obtained by using the service.

Article 14 (Service Hours)
The use of the service is 24 hours a day, 24 hours a day, 7 days a week, unless there is a special obstacle in business or technology. However, this is not the case when there are reasons such as periodic inspection.

Article 15 (Service Use Responsibility)
The Company shall not take any responsibility for the illegal distribution of hacking, obscene site links, commercial software, etc., using the service. not.

Article 16 (Suspension of Service)
You may stop providing the service in the following cases:
1. Inevitable due to repair work of service equipment
2. If the telecommunications carrier specified in the Telecommunication Business Act terminates telecommunication services
3. When system check is required
4. Any other force majeure

Chapter 5 Termination and Use Restrictions

Article 17 (Termination and Use Restriction)
① When a member intends to terminate the contract, the member himself / herself must apply for termination through the Internet.
② The Company shall give the user the opportunity to express his / her opinion by 30 days before the termination action if he / she acted in the following items.
1. You have stolen someone's user ID and password
2. If you intentionally disturb the operation of the service
3. If you applied for a false application
4. If the same user double-registers with another ID
5. In the event that the contents which are inhibited by public order and morals
6. If you have done something that damages or disadvantage others' honor
7. When transmitting large amount of information or transmitting advertisement information for the purpose of obstructing stable operation of service
8. Distribution of computer virus programs that cause malfunction of information communication facilities or destruction of information.
9. Infringes the intellectual property rights of the Company or other members or third parties.
10. Misuse of other person's personal information, user ID and password
11. If a member posts pornographic material on his / her homepage or bulletin board or links to a sexually explicit site
12. If it is judged to be in violation of related laws and regulations

Chapter 6 Others

Article 18 (Prohibition of Transfer)
The member can not transfer or give the right to use the service or other status of use contract to another person and can not provide it as collateral.

Article 19 (Compensation for Damages)
The Company shall not be liable for any damages incurred by Members in connection with the services provided free of charge, except for damage caused by the Company's intentional or material negligence.

Article 20 (Disclaimer)
① If the Company can not provide the service due to natural disasters, war or other force majeure, the Company shall be exempted from responsibility for the service.
② The Company is exempted from liability for damages caused by unavoidable reasons such as maintenance, replacement, periodic inspection and construction of service facilities.
③ The Company shall not be liable for the obstacles of the use of the service due to the cause of the member.
④ The Company shall not be liable for damages caused by the data obtained through the profit or service that the member expects to use the service.
⑤ The Company shall not be held responsible for the contents of information, data, facts and accuracy posted by the member in the service.

Article 21 (Competent Court)
If a lawsuit is filed against a dispute arising from the use of the service, the court having jurisdiction over the location of the company shall be the jurisdiction of the exclusive jurisdiction.


(Effective Date) This Agreement will be effective from August 25, 2016.
Privacy Policy
The ‘ blue visor ’ refers to your personal information and complies with the laws relating to " promoting information network utilization and information protection ". Through your privacy policy, the company will inform you of the use of your personal information and how it is being taken to protect your privacy. The company will notify you via website notices (or individual notices) when amending the Privacy Policy. This policy will be implemented starting 25 August 2016.

The Personal Information Collection company collects personal information such as consulting, service applications, etc.
Collection items : Name, Mobile phone number, Account Information, Email
Personal Information Collection : Homeconfidentiality, Download of brochures, Newsgroup Subscriptions, Application Promotion Applications

■ Collection and utilization of personal information

The company utilizes the collected personal information for the following purposes .

- Personal identification, personal identification and complaints processing according to the application of information and personal identification
- statistics on advertising, frequency of access frequency, or utilization of member services, including user-initiated information, such as marketing and advertising

■ Personal information retention and utilization period

The company shall promptly destroy the information without delay without the need for personal information collection and utilization purposes.

■ Procedure and methods of destruction of personal information

Procedure and methods of destruction of personal information

- The personal information entered for use is deleted after the purpose of achieving a separate DB (for a separate document on paper) and for reasons related to the purpose of the information protection (for sheet of paper) and other related statutes (see separate documents). Personal information transferred to a separate DB is not used for other purposes unless otherwise provided by law.
- Detivate destruction - Decommunce destruction by means of a DB method.

■ Personal information

The company does not provide users with personal information in principle. Exceptions apply, however, as shown below.

- If users agree beforehand
- if there is a request from the institution according to the regulations and methods stipulated in accordance with the Regulations for Inspection of the Act or the Act on Investigations of the Regulations for Investigations of Legal Systems

■ Commissioned personal information collected

Your company does not outsource your information to your company without your consent. In the event of such a need, we will notify you of the subject matter and the contents of the consignment, if necessary, and receive prior consent if necessary.

■ The rights and arrangements of the user and the legal representative

Users and legal representatives can view or modify the personal information of the registered persons or children under the age of 14, and may request termination of the subscription. For personal information retrieval by users or for children under 14 years of age, you can click on " withdrawal " (or " withdrawal ") to sign up for personal information (e.g., withdrawal), or sign up. Or, if you send your personal information to the Personal Information Administration, or by telephone or e-mail, you will be notified without delay. If you have requested correction of your personal information, you will not be able to complete or supply your personal information accordingly. Additionally, if incorrect personal information is provided to third parties, the corrected processing results shall be notified to the third party without delay. The blue visor is disposed of or deleted by the user or the legal representative of the request for cancellation or use of the personal information collected by the user, as described in the " Personal Information Warehouse Collection and Usage Period ".

■ Matters concerning the installation, operation, and rejection of the automatic collection of personal information

It does not operate a device that collects automatically generated personal information when using Internet Service, such as cookies.
■ Civil Information Services for Personal Information

To protect the customer's personal information and to deal with personal information, the company appoints a related department and personal information management officer as follows :
- Director : Manager of the Image-General
- Contact : [email protected]

You can report all your privacy and complaints to your personal information management officer or vice versa. The company will give you a quick response to the users ’ complaints.

- Personal Information Infracoration Report (www.1336.or.kr/ Without gukppeon
- Information Protection Statement (www.eprivacy.or.kr/02-580-0533~4)
- Criminal Investigation Center for Supreme Public Prosecutors ' Office (http://icic.sppo.go.kr/02-3480-3600)
- Cyber Terror Response Center at the National Police Agency (www.ctrc.go.kr/02-392-0330)