using(var upsProxy = new UserProfileService.UserProfileService())
{
     upsProxy.Url = webUri + "/_vti_bin/UserProfileService.asmx";
     var schema = upsProxy.GetUserProfileSchema();
     var property = upsProxy.GetUserPropertyByAccountName(accountName, propertyName);
     var propertyInfo = schema.FirstOrDefault(pi => pi.Name == propertyName);

     var termSetId = propertyInfo.TermSetId.Value;
}

//1 Retrieve User Profile via SharePoint Web Services
using(var upsProxy = new UserProfileService.UserProfileService())
{
     upsProxy.Url = webUri + "/_vti_bin/UserProfileService.asmx";
     //upsProxy.CookieContainer = GetAuthCookies(webUri, userName, password);

     var schema = upsProxy.GetUserProfileSchema();
     var property = upsProxy.GetUserPropertyByAccountName(accountName, propertyName);
     var propertyInfo = schema.FirstOrDefault(pi => pi.Name == propertyName);


     if (propertyInfo != null)
     {
         if (propertyInfo.TermSetId.HasValue && property.Values.Length > 0)
         {
              var termName = (string)property.Values[0].Value; //get first value

              //2.Get Term via SharePoint CSOM
              using (var ctx = GetContext(webUri, userName, password))
              {
                   var term = ResolveTerm(ctx, propertyInfo.TermSetId.Value, termName);
              }

         }
     }

}


public static Term ResolveTerm(ClientContext ctx,Guid termSetId,string termValue)
{
     var ts = TaxonomySession.GetTaxonomySession(ctx);
     var termSet = ts.GetDefaultSiteCollectionTermStore().GetTermSet(termSetId);
     var term = termSet.Terms.GetByName(termValue);
     ctx.Load(term);
     ctx.ExecuteQuery();
     return term;
}