Terumi player here.
I've noticed that, while playing online, a lot of Hakumens seem to be treating Terumi as Noel, patiently waiting for me to come to them. But this is actually backasswards with Terumi, his victory depends on the balance of the match. As some other Hakumens and Hell Hakumen have proven to me, once you rush his ass down he won't have a lot of chances to gain that balance because of his weaker defensive attacks. If he tries to get back up, to quote Psycho; "he's a figgety character played by figgety people and they wont hesitate to attempt to mash and disrespect you especially when the reward is so high it makes my head hurt.", he'll usually try to attack you as fast as he can just to get back in the lead. A well timed or predicted Drive Counter or Yukikaze wrecks that. Other then that, Psycho covers it pretty well.
Terumi is a douchebag, you'll have to be a bigger douchebag.