diff --git a/com.twin.app.shoptime/src/actions/homeActions.js b/com.twin.app.shoptime/src/actions/homeActions.js
index 9ad0f497..1e687797 100644
--- a/com.twin.app.shoptime/src/actions/homeActions.js
+++ b/com.twin.app.shoptime/src/actions/homeActions.js
@@ -4,6 +4,8 @@ import { types } from './actionTypes';
 import { changeAppStatus, getTermsAgreeYn } from './commonActions';
 import { collectBannerPositions } from '../utils/domUtils';
 import { createDebugHelpers } from '../utils/debug';
+import { setHidePopup, setShowPopup } from './commonActions';
+import { ACTIVE_POPUP } from '../utils/Config';
 
 // 디버그 헬퍼 설정
 const DEBUG_MODE = false;
@@ -76,9 +78,18 @@ export const getHomeTerms = (props) => (dispatch, getState) => {
   const onFail = (error) => {
     derror('getHomeTerms onFail ', error);
 
+    // TODO: 임시 디버그용 팝업 (재현 후 제거하세요)
+    const retCode = error?.data?.retCode ?? error?.retCode ?? 'unknown';
+    dispatch(
+      setShowPopup(ACTIVE_POPUP.toast, {
+        button1Text: `getHomeTerms onFail retCode=${retCode}`,
+        button2Text: 'OK',
+      })
+    );
+    setTimeout(() => dispatch(setHidePopup()), 1500);
+
     // 약관 미동의(retCode 501)로 GET_HOME_TERMS가 실패하면
     // introTermsAgree를 명시적으로 false로 내려 앱이 IntroPanel을 띄우도록 한다.
-    const retCode = error?.data?.retCode ?? error?.retCode;
     if (retCode === 501) {
       dispatch({
         type: types.GET_TERMS_AGREE_YN_SUCCESS,
@@ -91,6 +102,13 @@ export const getHomeTerms = (props) => (dispatch, getState) => {
         },
       });
     }
+
+    // 실패 시 로딩 패널을 반드시 내려 백화 상태를 방지
+    dispatch(
+      changeAppStatus({
+        showLoadingPanel: { show: false },
+      })
+    );
   };
 
   TAxios(
diff --git a/com.twin.app.shoptime/src/api/TAxios.js b/com.twin.app.shoptime/src/api/TAxios.js
index 172b4c7d..33539fe4 100644
--- a/com.twin.app.shoptime/src/api/TAxios.js
+++ b/com.twin.app.shoptime/src/api/TAxios.js
@@ -185,8 +185,14 @@ export const TAxios = (
               return;
             }
 
+            // 약관 미동의(501): 토큰 재발급 큐에 넣지 않고 바로 실패 처리
+            if (res?.data?.retCode === 501) {
+              if (onFail) onFail(res);
+              return;
+            }
+
             // RefreshToken 만료
-            if (res?.data?.retCode === 402 || res?.data?.retCode === 501) {
+            if (res?.data?.retCode === 402) {
               if (baseUrl === URLS.GET_RE_AUTHENTICATION_CODE) {
                 dispatch(getAuthenticationCode());
               } else {
@@ -349,10 +355,10 @@ export const TAxiosAdvancedPromise = (
           console.error(`TAxiosPromise error on attempt ${attempts} for ${baseUrl}:`, error);
 
           // Check if the error is due to token expiration
-          // TAxios already handles token refresh and queueing for these codes (401, 402, 501)
+          // TAxios already handles token refresh and queueing for 401/402 (501은 제외)
           // So we should NOT retry immediately in this loop, but let TAxios handle it.
           const retCode = error?.data?.retCode;
-          const isTokenError = retCode === 401 || retCode === 402 || retCode === 501;
+          const isTokenError = retCode === 401 || retCode === 402;
 
           // 재시도 로직
           if (attempts < maxAttempts && !isTokenError) {