diff --git a/SPMS.API/Controllers/TermsController.cs b/SPMS.API/Controllers/TermsController.cs
new file mode 100644
index 0000000..af936f5
--- /dev/null
+++ b/SPMS.API/Controllers/TermsController.cs
@@ -0,0 +1,44 @@
+using Microsoft.AspNetCore.Mvc;
+using Swashbuckle.AspNetCore.Annotations;
+using SPMS.Application.DTOs.AppConfig;
+using SPMS.Application.Interfaces;
+using SPMS.Domain.Common;
+
+namespace SPMS.API.Controllers;
+
+[ApiController]
+[Route("v1/in/public")]
+[ApiExplorerSettings(GroupName = "public")]
+public class TermsController : ControllerBase
+{
+    private readonly IAppConfigService _appConfigService;
+
+    public TermsController(IAppConfigService appConfigService)
+    {
+        _appConfigService = appConfigService;
+    }
+
+    [HttpPost("terms")]
+    [SwaggerOperation(Summary = "이용약관", Description = "이용약관 URL을 조회합니다.")]
+    public async Task<IActionResult> GetTermsAsync()
+    {
+        var serviceCode = Request.Headers["X-Service-Code"].FirstOrDefault();
+        if (string.IsNullOrWhiteSpace(serviceCode))
+            return BadRequest(ApiResponse.Fail(ErrorCodes.BadRequest, "X-Service-Code 헤더가 필요합니다."));
+
+        var result = await _appConfigService.GetTermsAsync(serviceCode);
+        return Ok(ApiResponse<AppConfigResponseDto>.Success(result));
+    }
+
+    [HttpPost("privacy")]
+    [SwaggerOperation(Summary = "개인정보처리방침", Description = "개인정보처리방침 URL을 조회합니다.")]
+    public async Task<IActionResult> GetPrivacyAsync()
+    {
+        var serviceCode = Request.Headers["X-Service-Code"].FirstOrDefault();
+        if (string.IsNullOrWhiteSpace(serviceCode))
+            return BadRequest(ApiResponse.Fail(ErrorCodes.BadRequest, "X-Service-Code 헤더가 필요합니다."));
+
+        var result = await _appConfigService.GetPrivacyAsync(serviceCode);
+        return Ok(ApiResponse<AppConfigResponseDto>.Success(result));
+    }
+}
diff --git a/SPMS.Application/DTOs/AppConfig/AppConfigResponseDto.cs b/SPMS.Application/DTOs/AppConfig/AppConfigResponseDto.cs
new file mode 100644
index 0000000..48fb218
--- /dev/null
+++ b/SPMS.Application/DTOs/AppConfig/AppConfigResponseDto.cs
@@ -0,0 +1,9 @@
+using System.Text.Json.Serialization;
+
+namespace SPMS.Application.DTOs.AppConfig;
+
+public class AppConfigResponseDto
+{
+    [JsonPropertyName("url")]
+    public string? Url { get; set; }
+}
diff --git a/SPMS.Application/DependencyInjection.cs b/SPMS.Application/DependencyInjection.cs
index 79e0283..bd0b784 100644
--- a/SPMS.Application/DependencyInjection.cs
+++ b/SPMS.Application/DependencyInjection.cs
@@ -15,6 +15,7 @@ public static class DependencyInjection
         services.AddScoped<INoticeService, NoticeService>();
         services.AddScoped<IBannerService, BannerService>();
         services.AddScoped<IFaqService, FaqService>();
+        services.AddScoped<IAppConfigService, AppConfigService>();
 
         return services;
     }
diff --git a/SPMS.Application/Interfaces/IAppConfigService.cs b/SPMS.Application/Interfaces/IAppConfigService.cs
new file mode 100644
index 0000000..2e65a3f
--- /dev/null
+++ b/SPMS.Application/Interfaces/IAppConfigService.cs
@@ -0,0 +1,9 @@
+using SPMS.Application.DTOs.AppConfig;
+
+namespace SPMS.Application.Interfaces;
+
+public interface IAppConfigService
+{
+    Task<AppConfigResponseDto> GetTermsAsync(string serviceCode);
+    Task<AppConfigResponseDto> GetPrivacyAsync(string serviceCode);
+}
diff --git a/SPMS.Application/Services/AppConfigService.cs b/SPMS.Application/Services/AppConfigService.cs
new file mode 100644
index 0000000..ba39f3b
--- /dev/null
+++ b/SPMS.Application/Services/AppConfigService.cs
@@ -0,0 +1,43 @@
+using SPMS.Application.DTOs.AppConfig;
+using SPMS.Application.Interfaces;
+using SPMS.Domain.Common;
+using SPMS.Domain.Exceptions;
+using SPMS.Domain.Interfaces;
+
+namespace SPMS.Application.Services;
+
+public class AppConfigService : IAppConfigService
+{
+    private readonly IAppConfigRepository _appConfigRepository;
+    private readonly IServiceRepository _serviceRepository;
+
+    public AppConfigService(IAppConfigRepository appConfigRepository, IServiceRepository serviceRepository)
+    {
+        _appConfigRepository = appConfigRepository;
+        _serviceRepository = serviceRepository;
+    }
+
+    public async Task<AppConfigResponseDto> GetTermsAsync(string serviceCode)
+    {
+        return await GetConfigUrlAsync(serviceCode, "terms_url");
+    }
+
+    public async Task<AppConfigResponseDto> GetPrivacyAsync(string serviceCode)
+    {
+        return await GetConfigUrlAsync(serviceCode, "privacy_url");
+    }
+
+    private async Task<AppConfigResponseDto> GetConfigUrlAsync(string serviceCode, string configKey)
+    {
+        var service = await _serviceRepository.GetByServiceCodeAsync(serviceCode);
+        if (service == null)
+            throw new SpmsException(ErrorCodes.NotFound, "존재하지 않는 서비스입니다.", 404);
+
+        var config = await _appConfigRepository.GetByKeyAsync(service.Id, configKey);
+
+        return new AppConfigResponseDto
+        {
+            Url = config?.ConfigValue
+        };
+    }
+}
diff --git a/SPMS.Domain/Interfaces/IAppConfigRepository.cs b/SPMS.Domain/Interfaces/IAppConfigRepository.cs
new file mode 100644
index 0000000..e61c187
--- /dev/null
+++ b/SPMS.Domain/Interfaces/IAppConfigRepository.cs
@@ -0,0 +1,8 @@
+using SPMS.Domain.Entities;
+
+namespace SPMS.Domain.Interfaces;
+
+public interface IAppConfigRepository : IRepository<AppConfig>
+{
+    Task<AppConfig?> GetByKeyAsync(long serviceId, string configKey);
+}
diff --git a/SPMS.Infrastructure/DependencyInjection.cs b/SPMS.Infrastructure/DependencyInjection.cs
index ce3a7e0..bdaf8bf 100644
--- a/SPMS.Infrastructure/DependencyInjection.cs
+++ b/SPMS.Infrastructure/DependencyInjection.cs
@@ -30,6 +30,7 @@ public static class DependencyInjection
         services.AddScoped<INoticeRepository, NoticeRepository>();
         services.AddScoped<IBannerRepository, BannerRepository>();
         services.AddScoped<IFaqRepository, FaqRepository>();
+        services.AddScoped<IAppConfigRepository, AppConfigRepository>();
 
         // External Services
         services.AddScoped<IJwtService, JwtService>();
diff --git a/SPMS.Infrastructure/Persistence/Repositories/AppConfigRepository.cs b/SPMS.Infrastructure/Persistence/Repositories/AppConfigRepository.cs
new file mode 100644
index 0000000..d4f4a34
--- /dev/null
+++ b/SPMS.Infrastructure/Persistence/Repositories/AppConfigRepository.cs
@@ -0,0 +1,15 @@
+using Microsoft.EntityFrameworkCore;
+using SPMS.Domain.Entities;
+using SPMS.Domain.Interfaces;
+
+namespace SPMS.Infrastructure.Persistence.Repositories;
+
+public class AppConfigRepository : Repository<AppConfig>, IAppConfigRepository
+{
+    public AppConfigRepository(AppDbContext context) : base(context) { }
+
+    public async Task<AppConfig?> GetByKeyAsync(long serviceId, string configKey)
+    {
+        return await _dbSet.FirstOrDefaultAsync(c => c.ServiceId == serviceId && c.ConfigKey == configKey);
+    }
+}