diff --git a/src/main/java/com/eactive/eai/rms/onl/apim/portalterms/PortalTermsManService.java b/src/main/java/com/eactive/eai/rms/onl/apim/portalterms/PortalTermsManService.java
index 1c969ef..1befa18 100644
--- a/src/main/java/com/eactive/eai/rms/onl/apim/portalterms/PortalTermsManService.java
+++ b/src/main/java/com/eactive/eai/rms/onl/apim/portalterms/PortalTermsManService.java
@@ -7,6 +7,7 @@ import com.eactive.apim.portal.agreements.service.AgreementsService;
 import com.eactive.apim.portal.file.entity.FileDetail;
 import com.eactive.apim.portal.file.entity.FileInfo;
 import com.eactive.apim.portal.file.service.FileService;
+import com.eactive.apim.portal.user.entity.UserInfo;
 import com.eactive.eai.rms.common.base.BaseService;
 import com.eactive.eai.rms.data.entity.man.user.UserInfoService;
 import com.eactive.eai.rms.data.entity.onl.apim.portalterms.PortalTermsService;
@@ -49,7 +50,14 @@ public class PortalTermsManService extends BaseService {
 	}
 
 	private String findName(String userId) {
-		return userInfoService.getById(userId).getUsername();
+		if (StringUtils.isBlank(userId)) {
+			return "";
+		}
+		// 등록자/수정자 ID로 사용자를 찾지 못해도(삭제된 사용자, 레거시 시드 데이터 등)
+		// 화면 전체가 깨지지 않도록 방어적으로 조회한다. (PortalFaq/PortalInquiry 컨벤션과 동일)
+		return userInfoService.findById(userId)
+				.map(UserInfo::getUsername)
+				.orElse("Unknown");
 	}
 
 	public Page<PortalTermsUI> selectList(Pageable pageable, String searchAgreementsType) {