HELP

(hereinafter referred to as the "Company") establishes and discloses the following privacy policy in order to protect the personal information of users and to promptly and smoothly handle any grievances related thereto.

Article 1 [Purpose of Processing and Collection of Personal Information]

The Company collects and uses your personal information for the following purposes. The personal information we process will not be used for any purpose other than the following, and if the purpose of use changes, we will take necessary measures such as obtaining separate consent.

Services	Purpose of processing	Collection items
App or web membership signup and management(Sign up with email)	Identification of individuals for the provision of membership services, confirmation of intention to subscribe, restriction of use for members who violate the terms of use, restriction of subscription and number of subscriptions, sanctions for unauthorized use of the service, prevention of unauthorized use, record retention for grievance handling and dispute settlement, delivery of notices, confirmation of intention to withdraw membership, prevention of unauthorized subscription and use, CS processing, etc.	(Required)Name, username (email address), password, mobile phone number, cookies (automatically collected)
App or web membership signup and management(Sign up with KakaoSync)	Identification of individuals for the provision of membership services, confirmation of intention to subscribe, restriction of use for members who violate the terms of use, restriction of subscription and number of subscriptions, sanctions for unauthorized use of the service, prevention of unauthorized use, record retention for grievance handling and dispute settlement, delivery of notices, confirmation of intention to withdraw membership, prevention of unauthorized subscription and use, CS processing, etc.	(Required)Kakao Account (email), profile information (nickname/profile picture), Kakao Account (phone number)(Optional)Gender, year of birth, status and history of adding KakaoTalk channels, birthday, age group
Sign up and manage app or web membership(Sign up with Apple Login)	Identification of individuals for the provision of membership services, confirmation of intention to subscribe, restriction of use for members who violate the terms of use, restriction of subscription and number of subscriptions, sanctions for unauthorized use of the service, prevention of unauthorized use, record retention for grievance handling and dispute settlement, delivery of notices, confirmation of intention to withdraw membership, prevention of unauthorized subscription and use, CS processing, etc.	(Required)Name, username (email), password, mobile phone number, cookies (automatically collected)
Sign up and manage app or web membership(Sign up with Facebook)	Identification of individuals for the provision of membership services, confirmation of intention to subscribe, restriction of use for members who violate the terms of use, restriction of subscription and number of subscriptions, sanctions for unauthorized use of the service, prevention of unauthorized use, record retention for grievance handling and dispute settlement, delivery of notices, confirmation of intention to withdraw membership, prevention of unauthorized subscription and use, CS processing, etc.	(Required)Name, username (email), password, mobile phone number, cookies (automatically collected)
Sign up and manage app or web membership(Sign up with Google)	Identification of individuals for the provision of membership services, confirmation of intention to subscribe, restriction of use for members who violate the terms of use, restriction of subscription and number of subscriptions, sanctions for unauthorized use of the service, prevention of unauthorized use, record retention for grievance handling and dispute settlement, delivery of notices, confirmation of intention to withdraw membership, prevention of unauthorized subscription and use, CS processing, etc.	(Required)Name, username (email), password, mobile phone number, cookies (automatically collected)
Service delivery and new service development	Development of new services and provision of customized services, provision of services and advertisements according to demographic characteristics, validation of services, provision of event and advertising information and participation opportunities, identification of access frequency, statistics on members' use of services, prevention of collection of information from children under the age of 14, and prevention of unauthorized use	(Optional)Service usage history and device information such as age, date and time of visit, IP address, cookies, etc.
Grievances	Identification of the complainant, verification of the complaint, contact and notification for fact-finding, notification of the outcome, and CS processing	(Required)orderer contact, orderer name, depositor name, order number
Purchasing user goods	Handling payments and shipping	(Required)Name, mobile phone number, address, email, product purchase information (card payment information, account information (for direct deposit)), recipient information (name, phone number, mobile phone number, recipient address), common entrance password
Authenticate yourself	Identity and age verification	(Required)Name, date of birth, gender, foreigner status, CI, DI, mobile number (for mobile phone verification)
Receive a refund	Performance of the contract (refund) upon receipt of the refund	(Required)Account holder, bank, and account number
Using body shape information	Size recommendations and product reviews based on body shape information	(Optional)Height, weight, top/bottom/shoe size, ball of foot/ instep features, skin type, skin tone, base color, skin concerns
Sending advertising information(event information, etc.)	Sending promotional information (such as event information) via phone, text, KakaoTalk, email, app push, etc.	(Optional)Email, phone number, device token information
Simple Payment Services	Provide direct deposit service when using the convenience payment service	(Required)Bank name, account number, and easy payment password
Shared rewards	Shared Rewards payouts and payout notifications	(Required)Individuals: Phone number, email, account holder, bank name, account number, social security number, copy of social security cardBusiness: Phone number, email, business license number, account holder, bank name, account number
Service Delivery (Web)Personalized service delivery	Deliver personalized ads	(Optional)Email address, cookie identifiers, Google Analytics, user ID, client ID (device ID), advertising identifiers (ADID/IDFA), postal code
International procurement	Report importing goods on behalf of an overseas purchase	(Required)Personalized customs identification number
Legal representative consent	Consent of legal guardian for members under the age of 14	(Required)Applicant: Full name, account, date of birth, and contact informationLegal representative: Name, relationship to applicant, contact information (cell phone)Family relationship certificate, certified copy

We collect social security numbers, including personal information, without your consent to comply with our legal obligations.

Services	Purpose of processing	Collection items	Applicable laws
Handle income tax, VAT, and more	Process tax bills (such as withholding returns),issuing tax invoices	Name, social security number	Obligation to issue withholding tax receipts and submit payment slips in respect of business income : Article 144 of the Income Tax Act. Article 164, etc.Obligation to issue withholding receipts and submit payment slips for other income: Articles 145, 164, etc. of the Income Tax ActIssuance of tax invoices: Article 32 (1), (2) of the VAT ActWithholding of withholding tax by the withholding agent: Article 68, Paragraph 3 of the Enforcement Decree of the National Tax Act

Article 2 [Method of Collecting Personal Information]

When the user agrees to the collection of personal information and enters the information directly during the registration and service use process, the Company collects the information.
In the process of consultation through the customer center, personal information may be collected when you consult or contact the Company through various channels such as web or app pages, email, fax, or telephone.
Personal information may be provided by external companies or organizations affiliated with the Company, and in such cases, the affiliated company must obtain the user's consent to provide personal information.
Generated information may be collected through log analysis in the process of using the Company's services, and information such as cookies may be automatically collected.

Article 3 [Installation, Operation, and Rejection of Automatic Personal Information Collection Devices]

The Company operates 'sessions' or 'cookies' that store and retrieve user information from time to time to provide customized services to users.
- Session and Cookies: A session means that the server used to provide the service stores usage information on the server for the duration of the user's connection time, and a cookie is a very small text file sent to the user's browser by the server used to operate the web or app, which may be stored on the user's computer hard disk.
- Purpose of use of sessions and cookies: The Company uses sessions and cookies to provide personalized services and improve service satisfaction by analyzing the frequency of access, visiting time, and service usage patterns of users. The Company also uses cookie and session information for purposes such as participation in various events and targeted marketing.
- How to opt-out of sessions and cookies: You do not have a choice about the establishment and setup of sessions, but you do have a choice about whether or not to accept cookies. Therefore, you can accept all cookies, confirm each time a cookie is stored, or refuse to accept all cookies by setting options in your web browser. You can choose to accept all cookies, confirm each time a cookie is saved, or refuse to save all cookies by selecting the options in your web browser.
- In Chrome, click More > Settings > Privacy & Security > Cookies and other site data in the top right corner of your web browser > Check the appropriate box, including "Block third-party cookies
- For Edge, check More > Settings > Cookie and site permissions > Manage and delete cookies and site data > Block third-party cookies in the upper right corner of your web browser
- For Internet Explorer, you can reject cookie settings via the [Tools] > [Internet Options] > [Privacy] > [Advanced] menu at the top of your web browser.
- For Safari, you can choose whether to accept cookies by going to [Safari]>[Preferences]>[Security] in the top left menu bar of MacOS.
If you refuse to accept cookies, you may have difficulty using some services that require you to log in.We also provide a page to protect your rights under the "Online Personalized Advertising Privacy Guidelines".

Learn more about personalized ads and how to opt out
Personal information may be provided by external companies or organizations affiliated with the Company, and in such cases, the affiliated company must obtain the user's consent to provide personal information.
Generated information may be collected through log analysis in the process of using the Company's services, and information such as cookies may be automatically collected.

Article 4 [Information about Access Rights]

The Company may access and use information and functions in the Customer's mobile communication device as follows for the mobile app service.
- (Optional) Camera/Photos: Attach files, contact us, and search for images when writing reviews and posts about your purchases (Android/iOS)
- (Optional) External storage: Attach files when writing reviews and posts about your purchases (Android/iOS)
- (Optional) Notifications: Communicate about orders, deliveries, offers, and more (Android/iOS)
- (Optional) Contacts: Verify phone number when sharing offers and more with friends (Android/iOS)
Access permissions are disclosed in the app market or on the first launch of the app after installation. Required access permissions are agreed upon at the first launch of the app, while optional access Continuing from where the last message ended: permissions are agreed upon separately at the first use of the service that requires such access. For optional permissions, the method of obtaining consent may differ depending on the version of your operating system, but you will not be restricted from using the underlying service if you decline access.

Article 5 [Provision of Personal Information to Third Parties]

The Company shall process the User's personal information only within the scope specified, and shall provide personal information to third parties only with the User's consent or in accordance with special provisions of laws and regulations.
The Company may provide personal information as follows in accordance with lawful procedures, including obtaining the consent of the user when necessary to fulfill transactions such as delivery through the Z-payment service.

To whom	Recipient's Purpose of Use	What personal information is provided	Retention period
Shipping Product Providers (View details)	Shipping, returns, refunds, customer service, after-sales service, complaint handling, benefits, etc.	Recipient name, ID (email), address, zip code, phone number, and delivery note	The period of service provision (if required to be retained in accordance with the provisions of applicable laws and regulations and if prior consent has been obtained)
Kakao Corp.	Analyzing and statistically processing data within Kakao's services and using it for personalized content recommendations and marketing	Service usage history, including shopping cart, purchase and payment history	Destroy without delay upon withdrawal of membership or consent
Enviti Inc.	Offerwall service delivery	User hash ID, advertising identifier (ADID or IDFA), date of birth, and gender.	The period of service provision (if required to be retained in accordance with the provisions of applicable laws and regulations and if prior consent has been obtained)
Spain Shop (Shopplex), Manter (up the ground), Method 501 (Method 501), New York Story (Skyline), J.S. Company (Skyline)	Report the import of dropshipped goods	Personalized Customs Code	The period of service provision (if required to be retained in accordance with the provisions of applicable laws and regulations and if prior consent has been obtained)
Kakao Bank	Identity and age verification	Name, phone number	The period of service provision (if required to be retained in accordance with the provisions of applicable laws and regulations and if prior consent has been obtained)
Kakao Corp.	Validate users and verify they have a tokusatsu	Name, date of birth, and phone number	Destroy without delay after user verification

The Company may provide personal information to related organizations without your consent in the event of an emergency, such as a disaster, infectious disease, an incident that poses an imminent danger to life or body, or an imminent loss of property.

Article 6 [Consignment of Personal Information Processing]

Ltd. outsources some of the tasks required to provide the service to external companies as follows.

Who we outsource the processing to	What you do	Retention and use period of personal information
Nice Spaces, Inc.	Payment processing (cell phone, direct deposit, credit card, other payment methods, refund account verification) and fraud prevention	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
CageInsys Inc. Subcontractor :Metaem Inc.	Payment processing (cell phone, direct deposit, credit card, other payment methods, refund account verification) and fraud prevention	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Delivers Inc.	Name, address, contact information, etc. to deliver goods and provide related logistics servicesProcessing personal information	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Kakao Mobility Subcontractor: K-Drive Co.	Name, address, contact information, etc. to deliver goods and provide related logistics servicesProcessing personal information	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
CJ LogisticsSubcontractor CJ Logistics Privacy Policy All my delivery points	Working with online order collection and fulfillmentCS processing related to online logistics agencyCS processing	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Goodsflo Inc. Subcontractors: CJ Logistics, Lotte Global Logistics, Hanjin, Post Office Delivery, Rosen, Ilyang Logistics	Provide shipment tracking and return collection information	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Kakao Corp.	Operating infrastructure, providing payment services, and processing data analysis and statisticsProviding personalized content recommendations and operating the service,send KakaoTalk messages	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Korea Employment Information	Part of the call center business, such as managing the use of customer and order information	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Metaem Inc.	Part of the call center business, such as managing the use of customer and order information	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
GS Neotech Co. Subcontractor : GENESYS, GENDESK, M&WISE	Managing GENESYS, ZENDESK, and WiseN SMS operations for customer service	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
Korea Mobile Authentication Co.	Identity and age verification	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
Hectofinancial Co. Re-commissioned companies : Hansol Inticube, InBizNet, Think A.T., Sejong Telecom, Dream Security, S.C.I. Evaluation Information, Cage Mobility	Process payments with Direct DebitProcess ZigZag Share Rewards payouts	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
Amazon Web Service	Operate and manage domestic cloud servers	Until the end of the outsourcing contractHowever, if we are obligated to retain it under the provisions of applicable laws, we will retain it for such period.
KNET Inc. Sub-consultants : Hectofinancial, Kiwoong Information & Communication, Bankda, Sejong Telecom, LG U+, Hana Fax, NICE Credit Evaluation Information, SME Joint A/S Center	Create and manage e-invoices	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
Business on Communication Inc. Sub-consignee : Korea Credit Bureau, Tospayments, Financial Services Authority	Automated collection of e-invoice data and integration with SAP	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
DK Techin Subcontractors : Kakao, Adobe Inc. NeoDigm, JMC Corporation APJ, Transcosmos Korea, Standard Networks, Katie, LG U+, Sejong Telecom, Anlab, Inc.	Send a text	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Dow Technology Co.	Send a text	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
AB180 Inc.	Information related to the use of Braze services / Marketing and operational guidance through CRM sending (app push, text, email, FriendTalk)	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
OpenSurvey Inc.	Customer satisfaction surveys and consulting on how to improve services	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it in accordance with the provisions of relevant laws and regulations, we will preserve it for that period.
Exim Bay Co.	Payment processing (international credit cards, Japanese convenience store payments) and fraud prevention	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
Cage Mobility Inc.	Payment processing (mobile phone payments)	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
Sandbooster	Payment processing (international credit cards, Japanese convenience store payments) and fraud prevention	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
KatieAlpha	Send a gift show	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.
Hanjin Co. Subcontractors : Subcontractors in Hanjin Privacy Policy	Working with online order collection and fulfillmentCS processing related to online logistics agencyCS processing	Until withdrawal of membership or termination of consignment contractHowever, if we are obligated to preserve it under the provisions of relevant laws and regulations, we will preserve it for a period of time.

Article 7 [International Collection and Transfer of Personal Information]

You may refuse the transfer of your personal information through the customer center or the department in charge of personal information protection.
If you refuse the transfer of your personal information, you may be restricted from using the services that necessarily involve the transfer of your personal information.
International transfers of personal information (onshoring)

Transfer recipients	Previous country	When and how to transfer	What's being moved	Purpose	Retention period	Contact	Related Rationale
Braze, Inc	United States	Delivery over a private, dedicated network at the point of service	Name, email, date of birth, device-related information, and information about service usage	CRM Shipping	At contract expiration	[email protected]	Article 28 (8) (1) (3) of the Personal Information Protection Act
Zendesk	Australia	Delivery over a private, dedicated network at the point of service	Name, email address, contact number, and inquiry	Handling inquiries	3 years or at the end of the contract	[email protected] [email protected]	Article 28 (8) (1) (3) of the Personal Information Protection Act

International transfers of personal information (to third parties)

Transfer recipients	Previous country	When and how to transfer	What's being moved	Purpose	Retention period	Contact	Related Rationale
Spain Shop (Shopify)	Spain	Delivered through the system (online) upon successful payment	Orderer information (name, ID (email), cell phone number),Recipient information (name, zip code, shipping address, cell phone number),delivery note, personalized customs identification number, product purchase information	Shipping/refunding/returning products purchased by customers,order management, customs clearance, customer service, complaint handling, etc.	Service Delivery Period	[email protected]	Article 28, Paragraph 8, Item 1 of the Personal Information Protection Act
Manter (up the ground))	Germany, Japan, France, United Kingdom, United States, Australia	Delivered through the system (online) upon successful payment	Orderer information (name, ID (email), cell phone number),Recipient information (name, zip code, shipping address, cell phone number),delivery note, personalized customs identification number, product purchase information	Shipping/refunding/returning products purchased by customers,order management, customs clearance, customer service, complaint handling, etc.	Service Delivery Period	[email protected]	Article 28, Paragraph 8, Item 1 of the Personal Information Protection Act
Methods501 (Method501)	United States, Japan, Germany, France, United Kingdom, Australia	Delivered through the system (online) upon successful paymentDelivered through the system (online) upon successful payment	Orderer information (name, ID (email), cell phone number),Recipient information (name, zip code, shipping address, cell phone number),delivery note, personalized customs identification number, product purchase information	Shipping, refunds, and returns of products purchased by customers,order management, customs clearance, customer service, complaint handling, etc.	Service Delivery Period	[email protected]	Article 28, Paragraph 8, Item 1 of the Personal Information Protection Act
New York Stories (Skyline)	United States	Delivered through the system (online) upon successful payment	Orderer information (name, ID (email), cell phone number),Recipient information (name, zip code, shipping address, cell phone number),delivery note, personalized customs identification number, product purchase information	Shipping/refunding/returning products purchased by customers,order management, customs clearance, customer service, complaint handling, etc.	Service Delivery Period	[email protected]	Article 28, Paragraph 8, Item 1 of the Personal Information Protection Act
Jaycee Company (Skyline)	United States	Delivered through the system (online) upon successful payment	Orderer information (name, ID (email), cell phone number),Recipient information (name, zip code, shipping address, cell phone number),delivery note, personalized customs identification number, product purchase information	Shipping, refunds, and returns of products purchased by customers,order management, customs clearance, customer service, complaint handling, etc.	Service Delivery Period	[email protected]	Article 28, Paragraph 8, Item 1 of the Personal Information Protection Act

Article 8 [Retention and Use Period of Personal Information]

The Company shall process and retain personal information within the period of retention and use of personal information in accordance with laws and regulations or within the period of retention and use of personal information agreed upon when collecting personal information from users. The Company may immediately destroy any information (contact information, shipping address) entered by the user that is found to be inaccurate in the course of providing the Company's services in order to prevent infringement of the rights and interests of third parties and to maintain the currency of the information.

The Company's personal information processing and retention period is as follows.

Membership and management: Until withdrawal of membership. However, in the case of the following reasons, until the termination of such reasons
1. If an investigation or investigation is underway due to violation of relevant laws and regulations, until the end of such investigation or investigation
2. Until the settlement of any debt or obligation related to the use of the service.
3. If there is a reward amount remaining to be settled, the unpaid amount will be settled in batches on the first day of the next month following the date of the withdrawal application and then destroyed.
4. To prevent fraudulent sign-up and use, the data of withdrawn members shall be separately stored for up to one year and then destroyed.

If retained in accordance with relevant laws and regulations

Applicable laws	Information you have	What you have	Retention period
The Consumer Protection in Electronic Commerce Act	Display and advertising records	Ad history and more	6 months
The Consumer Protection in Electronic Commerce Act	Records about contracts or withdrawals, etc.	Member identifiers, contract or subscription withdrawal records, etc.	5 years
The Consumer Protection in Electronic Commerce Act	Records of payments and supplies of goods and services	Member identifiers, contract or subscription withdrawal records, etc.	5 years
The Consumer Protection in Electronic Commerce Act	Records of consumer complaints or dispute handling	Member identifying information, dispute handling records, etc.	3 years
Communications Privacy Act	Carrier fact sheets	Log history, IP, etc.	3 months
National Tax Code	Books and documentation for all transactions as required by tax law.	Books and supporting documentation for corporate taxes, income taxes, VAT, etc.	5 years

Article 9 [Procedures and Methods of Destruction of Personal Information]

In principle, personal information of users is destroyed without delay when the purpose of collecting and using personal information is achieved.
If the personal information that has been consented to by the user has expired or the purpose of processing has been achieved, but is still required to be kept in accordance with other laws and regulations, the personal information shall be transferred to a separate database or stored in a different place.
The procedures and methods for destroying personal information are as follows.
- The Company will select the personal information for destruction and destroy it with the approval of the Company's Privacy Officer.
- The Company will destroy personal information in the following ways
  1. Personal information recorded and stored on paper: destroyed by shredding or incineration
  2. Personal information stored in electronic files: deletion using technical methods such as low level formatting so that the records cannot be reproduced

Article 10 [User's Rights, Obligations, and Methods of Exercise]

You may exercise the following personal information protection rights against the Company at any time.
1. Requesting access to and correction of personal information
  1. Users may view or correct their registered personal information at any time.
  2. If you wish to view or correct your personal information, you can view or correct it directly by clicking 'Settings > Edit Member Information' or, If you apply through the following departments, we will take action without delay after verifying your identity.
  3. Department for receiving and processing requests for access to personal information
    Department Name: Security Team / Phone: 02-1670-8050 / Email: (support@)
  4. If the Company receives a request from a user to view or correct personal information, the Company shall respond to the request within the statutory period. However, if there is a legitimate reason why the Company cannot respond within the period, it may postpone it by notifying the user of the reason, and will respond without delay when the reason disappears.
2. Withdrawal, deletion, and suspension of consent to the collection of personal information
  1. Users may withdraw their consent to the collection, use, and provision of personal information through membership registration, etc. at any time, or request deletion or suspension of processing.
  2. If you wish to withdraw, delete, or suspend your consent, you can directly withdraw, delete, or suspend your consent by clicking 'Settings > Consent to receive SMS', 'Settings > Consent to receive email', or 'Settings > Withdrawal of membership', or if you make a request in writing, by phone (02-), by e-mail (support@), or by fax, we will take action without delay after verifying your identity.
The Company may limit or refuse to suspend access to or processing of personal information for the following reasons, and shall notify the user of the reasons without delay.
1. Reasons for restricting/refusing access to personal information
  1. If access is prohibited or restricted by law
  2. If there is a possibility of harming the life, body, or property of another person or unreasonably infringing on the property and other interests of another person
2. Reasons for refusing to stop processing personal information
  1. If there are special provisions in the law or it is unavoidable to comply with the obligations under the law
  2. When there is a possibility of harming the life and body of another person or unreasonably infringing on the property and other interests of another person
  3. If it would be difficult to fulfill the contract, such as failing to provide the services agreed with the user, if the personal information is not processed, and the user has not clearly expressed his/her intention to terminate the contract.
If the user requests the Company to correct or delete errors in personal information, the Company shall not use or provide such personal information until the correction or deletion is completed.
The user shall not infringe on the personal information or privacy of the user or others processed by the Company in violation of relevant laws and regulations such as the Personal Information Protection Act.

Article 11 [Processing Personal Information of Children Under the Age of 14]

The Company does not collect personal information of children under the age of 14. However, if a situation arises in which the Company collects personal information of children under the age of 14, the Company will obtain the consent of the legal representative by requesting the consent of the legal representative and documents that can prove the relationship via email, etc.
A legal representative may withdraw consent to the collection, use, or provision of personal information of a child under the age of 14, and may request access to the personal information provided by the child or the correction of errors.
If a legal representative of a member who is a child under the age of 14 makes a request for access or verification via telephone or in writing, the Company will verify whether the person making the request is a true legal representative by presenting proof, such as a power of attorney and seal certificate certifying the representation, and copies of the requestor's and representative's identification cards.

Article 12 [Measures to secure the safety of personal information]

The Company takes the following measures to ensure the safety of personal information.

Administrative measures: establishment and implementation of internal control plan, regular employee training
Technical measures: management of access rights to personal information processing systems, encryption of passwords, installation of security programs, etc.
Physical measures: Controlling access to archives

Article 13 [Privacy Officer and Responsible Party]

You may report any complaints related to personal information protection arising from the use of the Company's services to the person in charge of personal information protection or the department in charge as follows. The Company will promptly provide a sufficient response to the user's report.

Person in charge of personal information protection and management
- Name: Chaehoon Han
- Telephone : 010-9910-1880
- Position: Personal Information Protection Officer
- E-mail : support@
Department in charge of personal information protection
- Department Name : Security Team
- Tel : 02) 1670-8050
- E-mail : support@

Article 14 [Remedies for Infringement of Rights]

You may contact any of the following organizations for damage relief, consultation, etc. regarding personal information infringement. The following organizations are separate from the Company, and you may contact them if you are not satisfied with the results of the Company's own personal information complaint handling or damage relief, or if you need further assistance.

Personal Information Infringement Report Center (operated by the Korea Internet & Security Agency)
- Responsibilities: Report personal information infringement, request for consultation
- Homepage: privacy.kisa.or.kr
- Telephone: (without area code) 118
- Address: (58324) 3F, 9, Jinheung-gil, Naju-si, Jeollanam-do (301-2, Beopgaram-dong), Korea Personal Information Infringement Report Center
Personal Information Dispute Mediation Committee
- Responsibilities: Personal information dispute mediation application, collective dispute mediation (civil settlement)
- Homepage: www.kopico.go.kr
- Telephone: 1833-6972
- Address: Personal Information Dispute Mediation Committee, 12th floor, Government Complex, 209 Sejong-daero, Jongno-gu, Seoul, 03171, Korea
Cyber Investigation Division of the Supreme Prosecutors' Office: 1301 (spo.go.kr)
Cybercrime Reporting System: 182 (https://ecrm.police.go.kr)

Article 15 [Exclusions from Application of the Privacy Policy]

We may provide you with links to other websites or resources through our website. We have no control over these sites and resources, and their collection of personal information is not governed by our Privacy Policy. Therefore, if you click on a link we include to a page on another site, you should read the privacy policy of the newly visited site.

By-laws

These terms will be effective as of September 30, 2024.

Ecommerce Agency Agreement

Tosspayments

Electronic Financial Transactions Basic Terms and Conditions (For Users)

Article 1

The purpose of these Terms and Conditions is to secure the stability and reliability of electronic financial transactions by establishing basic matters concerning electronic financial transactions between Tosspayments Corporation (hereinafter referred to as the 'Company'), which provides electronic payment agency services and payment deposit services, and users.

Article 2 (Definitions of Terms)

Terms used in these Terms have the following definitions

"Electronic financial transaction" means a transaction in which the Company provides electronic payment agency service and payment deposit service (hereinafter referred to as "electronic financial transaction service") through electronic devices, and the user uses it in a computerized manner without face-to-face contact or communication with a member of the Company.
'Electronic payment agency service' means a service that transmits or receives payment information for the purchase of goods or the use of services by electronic means, or that acts as an agent or mediator for the settlement of the consideration.
'Payment Deposit Service' refers to a service in which the Company deposits the payment until the time of confirmation of the user's receipt of the goods or use of the service when the user pays all or part of the consideration (hereinafter referred to as 'payment') in advance before receiving the goods or services (hereinafter referred to as 'goods, etc.').
'User' means a person who agrees to these Terms and Conditions and uses the electronic payment agency service provided by the Company.
"Access medium" refers to the means or information used to instruct transactions or secure the truth and accuracy of users and transaction contents in electronic financial transactions, such as electronic cards and electronic information equivalent thereto (including credit card numbers), certificates under the Electronic Signature Act, user numbers registered with financial institutions or e-finance companies, biometric information of users, and passwords required to use the above means or information, as specified in Article 2 (10) of the Electronic Financial Transactions Act.
"Transaction Instruction" means the User's instruction to a financial institution or e-finance business to process an e-financial transaction in accordance with the e-financial transaction contract;
"Error" means the failure of an e-financial transaction to be performed in accordance with the e-financial transaction contract or the User's transaction instruction without the User's intention or negligence.

Article 3 (Statement and Modification of Terms)

The Company will post these Terms and Conditions before you use the Electronic Payment Gateway Service and allow you to check the important contents of these Terms and Conditions.
The Company shall provide a copy of these Terms and Conditions to the User in writing or electronically upon the User's request.
When the Company changes the Terms, the Company will notify the User by posting the changed Terms on the payment information input screen and the Company's homepage before the effective date.
You may terminate the contract for electronic financial transactions from the time the changes to the Terms are posted or notified in accordance with the provisions of Paragraph 3 until the business day before the effective date of the changes. If the User does not object to the changes to the Terms and Conditions within the foregoing period, the User shall be deemed to have approved the changes to the Terms and Conditions.

Article 4 (Types of Electronic Payment Gateway Services)

The electronic payment processor services provided by the Company are categorized as follows depending on the payment method.

Credit card payment agency service: When the payment method provided by the user for payment of the payment is a credit card, it refers to a service in which the Company acts as an agent or mediator for the transmission, reception of credit card payment information and settlement of payment through the electronic payment system.
Account transfer agency service: A real-time remittance service that allows users to withdraw payment from their account registered with a financial institution through the Company's electronic payment system and transfer it to the desired account.
Virtual Account Service: When a user wants to pay the payment in cash, the payment is automatically made through the Company's electronic payment system by issuing a unique disposable account for the user.
Other: The services provided by the company include 'Mobile phone payment agency service', 'KT phone (ARS, phone bill) payment agency service', 'Gift certificate payment agency service', etc. depending on the type of payment method.

Article 5 (Contents of Payment Deposit Service)

The User (including the person to whom the Goods, etc. are to be supplied if the User consents, as hereinafter defined in this Article) shall notify the Company of the fact that the Goods, etc. have been supplied within three (3) business days from the date the Goods, etc. are supplied.
The Company shall pay the payment to the e-tailer within the period stipulated between the Company and the e-tailer after being notified of the fact that the Company has received the goods from the user.
The Company may pay the payment to the telecommunications vendor without the user's consent if the user does not notify the Company of the fact of the supply of the goods, etc. within three business days after the date of the supply of the goods, etc. without presenting a justifiable reason.
The Company will refund the payment to the consumer if the reason for the refund arises before the payment is made to the telemarketer.
The Company may establish payment deposit service terms and conditions separate from these Terms to establish specific rights and obligations related to the use of payment deposit services with users.

Article 6 (Selection, Management, etc. of Access Media)

The Company may select the access medium to verify the user's identity, authorization, and transaction instructions when providing electronic payment agency services.
You may not lend, delegate use of, transfer or pledge the Access Media to any third party.
Users shall not disclose or expose their access media to third parties or leave them unattended, and shall take sufficient care to prevent theft, forgery or alteration of access media.
When the Company receives a notification from the user of the loss or theft of the access medium, the Company shall be liable to compensate the user for damages caused by the use of the access medium by a third party from that time onward.

Article 7 (Company Responsibilities)

The Company shall be liable for damages caused to the user due to accidents caused by forgery or alteration of the access medium. However, if the user lends or delegates the use of the access medium to a third party, or provides it for the purpose of transfer or collateral, or if the user refuses without justifiable reason to take additional security measures required by the Company for electronic financial transactions to enhance security, and the accident occurs due to the use of the access medium acquired by false or other fraudulent means by breaking into the information and communication network, The Company may make the User bear all or part of the liability if the User violates Article 6.2 or if the User divulges, exposes, or neglects his/her access medium even though the User knew or could have known that a third party may use the User's access medium to conduct electronic financial transactions without authorization.
The Company shall be liable to compensate the User for damages in the event of an accident occurring in the process of electronic transmission or processing of contract conclusion or transaction instructions. However, if damage is caused to a user who falls under the clause of Paragraph 1 of this Article or is a corporation (except for a small business under Article 2, Paragraph 2 of the Basic Act on Small and Medium-sized Enterprises) and the Company has fulfilled the duty of care reasonably required, such as establishing security procedures to prevent accidents and strictly complying with them, the Company may make the user bear all or part of the responsibility.
The Company shall be liable to compensate the User for damages caused by an accident resulting from the use of electronic devices for electronic financial transactions or access media obtained by false or other fraudulent means by intruding into the information and communication network pursuant to Article 2, Paragraph 1, Item 1 of the Act on Promotion of Information and Communication Network Utilization and Information Protection, etc.

Article 8 (Confirmation of Transactions)

The Company shall allow the User to check the User's transaction details (including the User's 'error correction request and processing results') through the electronic method agreed with the User in advance, and if the User requests, the Company shall issue a written document on the transaction details within two weeks from the date of receipt of the request in electronic form, e-mail, or written form. If it is not possible to check the transaction details due to operational failure of electronic devices or other reasons, the Company shall immediately notify the reason using the Internet, etc. and allow the user to check the transaction details from the time the reason ends.
Among the transaction details provided by the Company to the User, the name or number of the transaction account, the type and amount of the transaction, information indicating the counterparty, the date of the transaction, the type of electronic device and information that can identify the electronic device, and the access records of the electronic device related to the electronic financial transaction shall be retained for a period of 5 years, and records of small electronic financial transactions with a transaction amount of 10,000 won or less per transaction shall be retained for a period of 1 year, Records of transaction authorization, user's request for error correction, and processing results when using electronic payment methods shall be subject to a period of one year, but records of fees received by the Company in exchange for providing electronic payment agency services to merchants shall be excluded from the transaction details provided.
If a user wishes to request the written documentation specified in Paragraph 1 of this Article, the user may request it at the following address and phone number.

Address: 15th floor, Korea Intellectual Property Center, 131 Teheran-ro, Gangnam-gu, Seoul, Republic of Korea
Email address: [email protected]
Phone: 1544-7772

Article 9 (Correction of Errors, etc.)

If the user realizes that there is an error in using the electronic payment agency service, the user may request the Company to correct it through .
When the Company receives a request for correction of an error pursuant to the provisions of the preceding paragraph, the Company shall immediately investigate and process the request and notify the User of the result within two weeks from the date of receipt of the request for correction.
You may request correction of this provision at the following address and phone number.

Address: 15th floor, Korea Intellectual Property Center, 131 Teheran-ro, Gangnam-gu, Seoul, Republic of Korea
Email address: [email protected]
Phone number: 1544 - 7772

If the Company discovers an error in an e-financial transaction on its own, it shall immediately investigate and process the error and notify the user of the cause of the error and the result of the processing within two weeks from the date of discovery.

Article 10 (Creation and Preservation of Records of Electronic Payment Gateway Service Usage)

The Company creates and preserves records that allow users to track and retrieve the contents of transactions using the electronic payment agency service or to check or correct errors in the contents.
The types of records and preservation methods that the Company shall preserve pursuant to the provisions of the preceding paragraph shall be as set forth in Article 8, Paragraph 2.

Article 11 (Restrictions on Revocation of Trade Instructions)

If the user makes an electronic payment transaction, the effect of the payment shall be in accordance with the provisions of Article 13 of the Electronic Financial Transactions Act.
The user may withdraw the transaction instruction before the payment is effective in accordance with the provisions of Article 13 of the Electronic Financial Transactions Act. However, withdrawal of transaction instructions may be restricted by the regulations of financial institutions, mobile communication companies, etc.
Methods and restrictions for withdrawing transaction instructions for each electronic payment method are as follows.

Credit card payment, bank transfer payment, virtual account payment: Withdrawal is possible only if you have withdrawn your offer in the transaction of purchasing goods or using services in accordance with the relevant laws and regulations, such as the Act on Consumer Protection in Electronic Commerce, etc.
Mobile phone payment, KT Telephone (ARS, Phone Bill) payment: Among the subscription withdrawal requests under the preceding methods, withdrawal is possible only for transactions that occurred by the end of the month of the payment date in accordance with the regulations of the mobile carrier.
Payment for gift certificates: Among the requests for withdrawal of subscription under the previous paragraph, you can withdraw your subscription within 10 days from the date of payment only if you cannot use the normal service due to system failure.

Article 12 (Consent to and Withdrawal of Collection Charges)

At the request of the user, the Company shall, on behalf of the financial company where the user's account is opened, give consent to the withdrawal of funds in accordance with the relevant laws and regulations, including the Electronic Financial Transactions Act, so that the financial company can execute the collection process.
The Company shall submit the User's consent pursuant to the preceding paragraph to the relevant financial company executing the collection transfer.
The user may request the Company or the financial company to withdraw the consent under Paragraph 1 before the withdrawal is recorded in the ledger of the user's account.
Notwithstanding the preceding paragraph, in the case of transactions processed in bulk or by reservation, the Company or a financial company, etc. may set a different time for withdrawal of consent in accordance with the terms and conditions established with the User in advance.
If the user has requested withdrawal of withdrawal consent pursuant to Paragraph 3, the user may dispute withdrawals made after the request to withdraw withdrawal consent to the person in charge as described in Article 14.1. However, this provision does not apply to withdrawals that occurred before the request to withdraw consent.

Article 13 (Prohibition of Providing Electronic Financial Transaction Information)

The Company shall not provide or disclose to any third party, or use for any purpose other than business purposes, any information or data concerning the user's personal information, the user's account, access media, and the content and performance of electronic financial transactions acquired in the course of providing electronic payment agency services and payment deposit services without obtaining the user's consent. However, this shall not be the case in accordance with the provisions of Article 4, Paragraph 1, Clause 1 of the Act on Financial Real Name Transactions and Confidentiality, or as otherwise provided by other laws.

Article 14 (Dispute Resolution and Arbitration)

The user may request the following persons in charge of dispute handling to handle disputes such as opinions, complaints, and claims for damages related to the use of the electronic payment agency service and payment deposit service.

Responsible for: TopSpecs RM (Risk) Team
Contact: Phone 1544-7772, Fax 02-6919-2354
Email: [email protected]

If the user has filed a dispute with the Company, the Company will inform the user of the results of the investigation or processing within 15 days.
Users may apply to the Financial Services Commission's Financial Dispute Mediation Committee pursuant to Article 51 of the Act on the Establishment of the Financial Services Commission or the Consumer Affairs Ministry pursuant to Article 35, Paragraph 1 of the Consumer Basic Act to mediate disputes related to the use of the Company's electronic payment agency service and payment deposit service.

Article 15 (Company's obligation to ensure stability)

To ensure the safety and reliability of electronic financial transactions, the Company shall comply with the standards set by the Financial Services Commission for information technology and electronic financial business, including personnel, facilities, and electronic devices for electronic transmission or processing by type of electronic financial transaction.

Article 16 (Business Hours)

In principle, the Company provides electronic financial transaction services to users 24 hours a day, 7 days a week, 365 days a year, but this may change depending on the circumstances of financial institutions and other payment method issuers.
The Company may temporarily suspend the Service after posting the fact of service suspension through electronic means at least 3 days prior to the service suspension if the service suspension is inevitable due to the repair, inspection or other technical needs of information and communication facilities or the circumstances of financial institutions or other payment method issuers. However, if the service is unavoidable due to system failure, urgent program maintenance, or external factors, the service may be suspended without prior notice.

Article 17 (extraterritoriality and jurisdiction)

Matters not stipulated in these Terms and Conditions shall be governed by consumer protection laws such as the Electronic Financial Transactions Act, the Act on Consumer Protection in Electronic Commerce, the Act on Mail Order, and the Credit Specialized Financial Business Act.
The jurisdiction over disputes between the Company and the User shall be governed by the Civil Procedure Act.

NHN Korea Cyber Payment

Basic Terms and Conditions for Electronic Financial Transactions

Article 1 (Purpose)

The purpose of these Terms and Conditions is to establish the basic matters concerning electronic financial transactions between the Company and the user when the user uses the electronic payment agency service and payment deposit service provided by NHN Korea Cyber Payment Corporation (hereinafter referred to as the 'Company').

Article 2 (Definitions of Terms)

Terms used in these Terms have the following definitions

1.'Electronic financial transaction' means a transaction in which the Company provides electronic payment agency service and payment deposit service (hereinafter referred to as 'electronic financial transaction service') through electronic devices, and the user uses it in an automated manner without face-to-face contact or communication with the Company's personnel.
2.'Electronic payment agency service' means a service that transmits or receives payment information for the purchase of goods or the use of services by electronic means, or that acts on behalf of or mediates the settlement of the consideration.
3.'Payment Deposit Service' refers to a service in which the Company deposits the payment until the time of confirmation of the user's receipt of the goods or use of the service when the user pays all or part of the consideration (hereinafter referred to as 'payment') in advance before receiving the goods or services (hereinafter referred to as 'goods, etc.').
4.'Merchant' means a person who provides goods or services to users in transactions by debit electronic payment instrument, prepaid electronic payment instrument, or electronic money under a contract with a financial institution or electronic financial institution and is not a financial institution or electronic financial institution.
5.'User' means a person who agrees to these Terms and Conditions and uses the electronic financial transaction services provided by the Company.
6.'Access medium' refers to the means or information used to instruct transactions or secure the truth and accuracy of users and transaction contents in electronic financial transactions, such as electronic cards and electronic information equivalent thereto (including credit card numbers), certificates under the Electronic Signature Act, user numbers registered with the Company, biometric information of users, passwords required to use the above means or information, etc. as defined in Article 2, No. 10 of the Electronic Financial Transaction Act.
7.'Transaction instruction' means that the user instructs the Company to process electronic financial transactions in accordance with the electronic financial transaction contract concluded under these Terms and Conditions.
8.'Transaction Instruction' means the User's instruction to the Company to process an electronic financial transaction in accordance with the electronic financial transaction contract concluded under these Terms.

Article 3 (Statement and Modification of Terms)

The Company will post these Terms and Conditions before you use the e-financial transaction service and allow you to check the important contents of these Terms and Conditions.
The Company shall deliver a copy of these Terms to the User by electronic document transmission upon the User's request.
When the Company changes the Terms, the Company shall notify users by posting the changed Terms on the initial screen of the electronic financial transaction service provided by the Company and on the Company's homepage before the effective date of the change. However, if the Company urgently changes the Terms and Conditions due to the revision of laws and regulations, the Company shall immediately notify the User.
If you do not agree to the changed terms, you may not use the Service and you may terminate the Agreement.

Article 4 (Types of electronic payment agency services)

The electronic payment agency services provided by the Company are categorized as follows depending on the payment method.

1. Credit card payment agency service: When the payment method provided by the user for payment of the payment is a credit card, it refers to a service in which the company sends and receives credit card payment information through the electronic payment system and acts or mediates the settlement of the payment.
2. Account transfer agency service: A real-time remittance service that allows users to withdraw payment from their account registered with a financial institution through the Company's electronic payment system and transfer it to the desired account.
3. Virtual Account Service: If the user wants to pay the payment in cash, the payment is automatically made through the Company's electronic payment system through the issuance of a unique disposable account for the user.
4. Other: The services provided by the Company include 'Mobile phone payment agency service', 'ARS payment agency service', 'Gift certificate payment agency service', 'Transportation card payment agency service', etc. depending on the type of payment method.

Article 5 (Contents of the Payment Deposit Service)

The User (including the person to whom the Goods, etc. are supplied with the User's consent, hereinafter referred to in this Article ) shall notify the Company of the fact that the Goods, etc. have been supplied within three (3) business days from the day the Goods, etc. are supplied.
The Company shall pay the payment to the e-tailer within the period stipulated between the Company and the e-tailer after being notified of the fact that the Company has received the goods from the user.
The Company may pay the payment to the telecommunications vendor without the consent of the user if the user does not notify the Company of the fact of the supply of the goods, etc. within 3 business days after the day the user receives the goods, etc. without presenting a justifiable reason.
The Company will refund the payment to the consumer if the reason for the refund arises before the payment is made to the telemarketer.
The Company may establish payment deposit service terms and conditions separate from these Terms to establish specific rights and obligations related to the use of payment deposit services with users.

Article 6 (Hours of Operation)

In principle, the Company shall provide electronic financial transaction services to users 24 hours a day, 7 days a week, 365 days a year. However, it may be determined otherwise depending on the circumstances of the financial institution or other payment method issuer.
The Company may suspend the Service if it is inevitable to suspend the Service due to maintenance, inspection, or other technical needs of information and communication facilities or due to the circumstances of financial institutions or other payment method issuers, after posting the fact of service suspension through electronic means that can be posted at least 3 days before the service suspension. However, the Service may be suspended without prior notice if it is unavoidable due to system failure recovery, urgent program maintenance, external factors, etc.

Article 7 (Selection, Use and Management of Access Media)

The Company may select the access medium to verify the user's identity, authorization, and transaction instructions when providing electronic financial transaction services.
You may not lend, delegate use of, transfer or pledge the Access Media to any third party.
Users shall not disclose or expose their access media to third parties or leave them unattended, and shall take sufficient care to prevent theft, forgery or alteration of access media.
When the Company receives notification from the User of the loss or theft of the access medium, the Company shall be liable to compensate the User for damages caused by the use of the access medium by a third party from that time onward.

Article 8 (Confirmation of Transactions)

The Company shall allow the User to check the User's transaction details (including the User's 'error correction request and processing results') through the electronic method agreed with the User in advance, and if the User requests, the Company shall provide the User with a written document on the transaction details within two weeks from the date of receipt of the request by means of fax or other means. However, if the Company is unable to provide the transaction details due to an operational failure of the electronic device or other reasons, the Company shall immediately notify the user of such reasons by electronic document transmission (including transmission by e-mail), and the period during which the transaction details cannot be provided shall not be counted against the period for providing the written document.
Among the transaction details provided by the Company to the User, the name or number of the transaction account, the type and amount of the transaction, information indicating the counterparty, the date of the transaction, the type of electronic device and information that can identify the electronic device, and the access record of the electronic device related to the electronic financial transaction, the fee received by the Company in exchange for the electronic financial transaction, the User's withdrawal consent, the application for the electronic financial transaction, and the change of the terms and conditions of the electronic financial transaction, Records of electronic financial transactions with a transaction amount exceeding 10,000 won per transaction shall be retained for 5 years, records of small electronic financial transactions with a transaction amount of 10,000 won or less per transaction shall be retained for 1 year, records of transaction authorization when using electronic payment methods, user's request for error correction and processing results shall be retained for a period of 1 year, and information on fees received by the Company in exchange for providing electronic payment agency services shall be provided.
If the user wishes to request a written copy of the information specified in Paragraph 1, the user may request it at the following address and phone number.
Address: 72, Digital-ro 26-gil, Guro-gu, Seoul, Korea (Guro-dong, NHN Korea Cyber Payment)
Email address: [email protected]
Phone: 1544-8667

Article 9 (Correction of Errors, etc.)

When a user realizes that there is an error in using the electronic financial transaction service, the user may request the Company to correct it.
When the Company receives a request for correction of an error pursuant to the provisions of the preceding paragraph or when it knows that there is an error itself, the Company shall immediately investigate and process the error and notify the User of the result in writing, by phone, or by e-mail within two weeks from the date of receipt of the correction request or the date of knowledge of the error.

Article 10 (Merchant's Compliance, etc.)

The franchisee shall not refuse to provide goods or services or treat users unfairly because of transactions by debit electronic payment method, prepaid electronic payment method, or electronic money (hereinafter referred to as "electronic money, etc.").
The franchisee shall not cause the user to pay the franchise fee.
Continuing from where we left off: The franchisee shall not engage in any of the following acts.
1. the act of pretending to have made a transaction by electronic money, etc. without providing goods or services
2. conducting transactions using electronic money, etc. in excess of the actual sales amount
3. conducting transactions using electronic money, etc. in the name of another merchant
4. lending your franchise name to someone else
5. acting on behalf of transactions using electronic money, etc.
Non-affiliated persons shall not conduct transactions using electronic money in the name of the franchisee.

Article 11 (Merchant Recruitment, etc.)

When recruiting franchisees, the Company shall verify the business status of the person who intends to become a franchisee. However, this shall not apply to a franchisee who has already been verified in accordance with Article 16.2 of the Financial Services Act.
The company shall notify the franchisee of the following items in the manner prescribed by the Financial Services Commission.
1. merchant fees
2. liability to Merchant under the provisions of Section 2
3. the merchant's compliance with the precursor regulations
The Company shall terminate the Franchise Agreement without delay, unless there are special reasons, if the Franchisee falls under the reasons prescribed by the Presidential Decree, such as being sentenced to prison for violating the provisions of the preceding Article or receiving written notification of the violation from the relevant administrative agency. "Reasons prescribed by the Presidential Decree" refers to any of the following cases.
1. the franchisee has been sentenced for violating Article 26 of the Electronic Financial Transactions Act or subparagraphs (3) through (5) of Paragraph 3 of the preceding Article;
2. the franchisee has been notified in writing by the relevant administrative agency of the fact that the franchisee has violated Paragraph 1, Paragraph 2, or Paragraph 3, subparagraphs (3) through (5) of the preceding Article;
3. the franchisee has been notified in writing by the relevant administrative agency of the fact that the franchisee has been closed down

Article 12 (Company Liability)

The Company shall be liable for damages caused to the User due to accidents caused by forgery or alteration of the access medium. However, if the user violates Article 7, Paragraph 2, or if the user divulges, exposes, or neglects his/her access medium despite knowing or being able to know that a third party may use the user's access medium to conduct electronic financial transactions without authorization, the user may be made to bear all or part of the responsibility.
The Company shall be liable to compensate the User for any damages caused to the User due to an accident occurring in the process of electronic transmission or processing of contract conclusion or transaction instructions. However, this shall not apply if the damage is caused to a user who falls under the clause of Paragraph 1 of this Article or is a corporation (excluding a small business under Article 2, Paragraph 2 of the Basic Act on Small and Medium-sized Enterprises) and the Company has fulfilled the duty of care reasonably required, such as establishing security procedures to prevent accidents and strictly complying with them.
The Company shall not be liable to the User if, despite the User's transaction instructions, the Company is unable to process or delay the transaction due to natural disasters, power outages, fires, communication failures, or other force majeure reasons not attributable to the Company, and the Company has notified the User of the reason for the unable to process or delay (including cases notified by financial institutions or payment method issuers or mail-order companies).
The Company shall be liable to compensate the User for any damages caused by the use of electronic devices for electronic financial transactions or access media obtained by false or other fraudulent means by intruding into the information and communication network pursuant to Article 2, Paragraph 1, Article 1 of the Act on Promotion of Information and Communication Network Utilization and Information Protection, etc. However, the Company shall not be liable to the User in part or in whole in the following cases.
1. In the event of an accident pursuant to Article 9, Paragraph 1, Item 3 of the Electronic Financial Transactions Act (hereinafter referred to as 'Accident') due to the user's refusal without justifiable reason to take additional security measures required by the Company in electronic financial transactions to enhance security in addition to verification according to the access medium.
2. when an accident occurs due to the following acts on the medium, means, or information used in the additional security measures in Paragraph 1 of this Article
  1. Leakage, disclosure, or neglect
  2. Lent or delegated its use to a third party or provided it for the purpose of assignment or pledge

Article 13 (Effect of Electronic Payment Transaction Agreement)

If the user's transaction instruction is related to an electronic payment transaction, the Company shall act as the payment processor and transmit the contents of the transaction instruction related to the electronic payment transaction so that the payment is made.
The Company shall return the funds received to the User if the payment transaction is not made in accordance with the User's transaction instructions regarding the electronic payment transaction.

Article 14 (Revocation of Trade Instructions)

In the case of transaction instructions for electronic payment transactions, the user may revoke the transaction instruction by contacting the following address, e-mail, and contact information before the payment is effective.
Address: 72, Digital-ro 26-gil, Guro-gu, Seoul, Korea (Guro-dong, NHN Korea Cyber Payment)
Email address: [email protected]
Phone: 1544-8667
The effective time of payment under the preceding paragraph shall be (i) in the case of electronic funds transfer, when the information in the amount of the transaction instruction is recorded in the account ledger of the financial institution where the recipient's account is held; and (ii) in the case of payment by other electronic payment methods, when the information in the amount of the transaction instruction is entered into the electronic device of the financial institution where the recipient's account is held.
If the payment has become effective, the user may withdraw the subscription in accordance with the method of withdrawal under the relevant laws such as the Act on Consumer Protection in Electronic Commerce, etc. or return the payment as stipulated in Article 5 of these Terms.

Article 15 (Creation and Preservation of Records of Electronic Payment Gateway Service Usage)

The Company creates and preserves records that allow users to track and retrieve the contents of electronic financial transactions or to verify or correct errors in the contents.
The types of records and preservation methods that the Company shall preserve pursuant to the provisions of the preceding paragraph shall be as set forth in Article 8, Paragraph 2.

Article 16 (Prohibition of Providing Electronic Financial Transaction Information)

The Company shall not provide or disclose to any third party, or use for any purpose other than business purposes, any information or data concerning the user's personal information, the user's account, access media, and the content and performance of electronic financial transactions acquired in the course of providing electronic financial transaction services without obtaining the user's consent. However, this shall not apply if the Company follows the lawful procedures under the relevant laws such as the Act on the Protection of Communications Secrets, the Act on the Promotion of Information and Communications Network Utilization and Information Protection, etc.

Article 17 (Termination and Limitation of Use)

The user may terminate the service contract through the service homepage or customer center.
The Company may immediately terminate the Service Use Agreement or restrict the use of the Service without prior notice if you fail to fulfill your obligations under these Terms. If you have any objection to the Company's actions, you may file an appeal through the Service homepage or customer center.
If the objection in the preceding paragraph is deemed to be justified, the Company shall immediately resume the use of the Service.

Article 18 (Dispute Resolution and Arbitration)

The user may request the following dispute handling officer and person in charge to handle disputes such as opinions and complaints related to the use of electronic financial transaction services and claims for damages.
Contact person: RM team (phone number, email address) : 070-5075-8041, [email protected]
If the user has filed a dispute with the Company, the Company will inform the user of the results of the investigation or processing within 15 days.
You may apply to the Financial Services Commission's Financial Dispute Mediation Committee pursuant to Article 51 of the Act on the Establishment of the Financial Services Commission or the Korea Consumer Affairs Commission pursuant to Article 33 of the Consumer Basic Act to mediate disputes related to the use of the Company's electronic financial transaction services.

Article 19 (Company's Obligation to Ensure Stability)

The Company shall exercise due care as a good manager to ensure that electronic financial transactions are processed safely and shall comply with the standards set by the Financial Services Commission regarding the information technology sector and electronic financial business, including manpower, facilities, and electronic devices for electronic transmission or processing for each type of electronic financial transaction, in order to ensure the safety and reliability of electronic financial transactions.

Article 20 (Non-Terms Rules and Jurisdiction)

If the matters individually agreed upon between the Company and the User differ from the matters set forth in these Terms, the agreement shall take precedence over these Terms.
Matters not stipulated in these Terms and Conditions shall be governed by laws related to consumer protection, such as the Electronic Financial Transactions Act, the Act on Consumer Protection in Electronic Commerce, the Act on Telecommunications Sales, and the Credit Specialized Financial Business Act.
Jurisdiction over disputes between the Company and the User shall be governed by the Civil Procedure Act.

Addendum

< No. 1, December 26, 2006 > These Terms shall be effective from January 1, 2007
Addendum < No. 2, January 17, 2011 > These Terms shall be effective from February 21, 2011. (New Article 2, Paragraph 4, Partially amended Article 8, Paragraph 2, New Article 10, New Article 11)
Addendum < No. 3, 2015.10.14. > These Terms shall be effective from October 14, 2015 (Partially amended Article 17, Paragraph 1, New Article 12, Paragraph 5)
Addendum < No. 4, 2016.04.08. > These Terms shall be effective from April 26, 2016 (partial amendment of Article 1, partial amendment of Article 8, partial amendment of Article 3)
Addendum < No. 5, 2016.11.11. > These Terms shall be effective from November 21, 2016 (new Article 17, partial amendment of Article 3, paragraphs 3 and 4, Article 9, paragraph 2, Article 14, paragraph 1, Article 16, partial amendment of Article 18, paragraph 3)
Addendum < No. 6, 2016.11.28. > These Terms shall be effective from November 28, 2016 (Article 12 (1) deleted, Article 6 (2), Article 8 (1) and (2), Article 9 (2), Article 19 amended, Article 20 (1) newly added)
Addendum < No. 7, 2018.01.19. > These Terms shall be effective from February 22, 2018 (Article 12 (1), partial amendment of Article 2)
Addendum < No. 8, 2018.07.23. > These Terms shall be effective from July 31, 2018 (Partial amendment of Article 18 (1))
Addendum < No. 9, 2018.11.15. > These Terms shall be effective from December 20, 2018 (Amendment of Article 8 (3), Article 14 (1))
Addendum < No. 10, 2019.05.21. > These Terms shall be effective from May 31, 2019 (Amendment of Article 8 (3), Article 14 (1))

Hecto Financial

Electronic Financial Transactions Terms and Conditions

Article 1 (Purpose)

(hereinafter referred to as the "Company"), these Terms and Conditions are intended to set forth the basic matters concerning electronic financial transactions between the Company and the User when the User uses the electronic payment agency service, prepaid electronic payment instrument issuance and management service, and payment deposit service provided by Hectofinancial Co.

Article 2 (Definitions of Terms)

The definitions of terms set forth in these Terms are as follows, and except as provided in this Article, shall be as set forth in relevant laws and regulations, including the Electronic Financial Transactions Act.

'Electronic financial transaction' means a transaction in which the Company provides electronic payment agency services, prepaid electronic payment instrument issuance and management services, and payment deposit services (hereinafter referred to as 'electronic financial transaction services' or 'services') through electronic devices, and the user uses them in an automated manner without face-to-face contact or communication with the Company's personnel.
'Electronic payment method' refers to a payment method based on an electronic method prescribed by Article 2 (11) of the Electronic Financial Transactions Act, including prepaid electronic payment methods and credit cards.
"Electronic payment transaction" refers to any electronic financial transaction in which a payer moves funds to a payee using an electronic payment instrument.
'Electronic payment agency service' means a service that transmits or receives payment information for the purchase of goods or the use of services by electronic means, or that acts on behalf of or mediates the settlement of the consideration.
'Prepaid electronic payment instrument' refers to a prepaid electronic payment instrument under the Electronic Financial Transactions Act, such as hectofinancial money, which can be used to purchase goods or services (hereinafter referred to as 'goods, etc.') on the Company's website and affiliate services, etc.
'Recharge' means purchasing prepaid electronic payment instruments through the payment method designated by the Company in order to secure a certain amount of prepaid electronic payment instruments, or earning prepaid electronic payment instruments through activities on the Company's or the Company's designated third party's services, etc.
'Payment Deposit Service' refers to a service in which the Company deposits the payment until the time of confirmation of the user's receipt of the goods or use of the service, if the user pays all or part of the payment amount (hereinafter referred to as the 'payment amount') in advance before receiving the goods or services (hereinafter referred to as 'goods, etc.').
'Automatic debit service' means a service that allows the payment of goods and services to be automatically made on the date agreed by the user by using the payment method of the 'Electronic payment agency service'.
'Direct Debit Payment Organization' (hereinafter referred to as "Payment Organization") means a person who enters into a contract with the User for the supply of goods or services and receives payment for direct debit service through the Company.
'User' means a person who agrees to these Terms and Conditions and uses the electronic financial transaction services provided by the Company.
'Access medium' refers to the means or information used in electronic financial transactions to instruct transactions or to secure the truth and accuracy of the user and the transaction contents, including electronic cards and electronic information equivalent thereto (including credit card numbers), certificates under the Electronic Signature Act, user numbers registered with the Company, biometric information of the user, passwords required to use the above means or information, etc. as defined in Article 2 (10) of the Electronic Financial Transactions Act.
"Transaction Instruction" means the User's instruction to the Company to process an electronic financial transaction in accordance with the electronic financial transaction contract concluded under these Terms.
'Error' means when an e-financial transaction is not performed in accordance with the e-financial transaction contract or the user's transaction instructions without the user's intention or negligence.

Article 3 (Statement and Modification of Terms)

The Company will post these Terms and Conditions before you use the e-financial transaction service and allow you to check the important contents of these Terms and Conditions.
The Company shall deliver a copy of these Terms to the User by electronic document transmission upon the User's request.
If the Company intends to change these Terms, it shall post the contents on the service screen or electronic devices such as the homepage one month before the change and notify the User by e-mail, PUSH, or Alert Talk. However, if the user objects, the Company shall confirm that it has notified the user of the change in the Terms in an appropriate manner.
Notwithstanding Paragraph 3, if the Terms are changed urgently due to the amendment of laws and regulations, the changed Terms shall be posted on the service screen or homepage for at least one month, and users shall be notified by e-mail, PUSH, Alert Talk, etc.
When the Company notifies Paragraph 3, the Company shall notify or inform the user to the effect that "If the user does not agree to the change, the user may terminate the contract within 30 days from the date of notification, and if the user does not express the intention to terminate the contract, the user shall be deemed to have agreed to the change."

Article 4 (Types of Electronic Payment Gateway Services)

The electronic payment processor services provided by the Company are categorized as follows depending on the payment method.
1. Credit card payment agency service: When the payment method provided by the user for payment of the payment is a credit card, it refers to a service in which the company sends and receives credit card payment information through the electronic payment system and acts or mediates the settlement of the payment.
2. Account transfer agency service: refers to a service in which the user transfers payment from the user's account registered with a financial institution to the desired account through the Company's electronic payment system in accordance with the user's payment instruction or withdrawal consent, and includes simple cash payment service, simple account transfer service, etc.
3. Virtual Account Service: When the user wants to pay the payment in cash, the payment is automatically made through the Company's electronic payment system by issuing a unique disposable account for the user.
4. Other: The services provided by the Company include 'Mobile phone payment agency service', 'ARS payment agency service', 'Gift certificate payment agency service', 'Transportation card payment agency service', etc. depending on the type of payment method.

Article 5 (Charging and Use of Prepaid Electronic Payment Instruments)

Users may purchase prepaid electronic payment instruments by account withdrawal or other payment methods determined by the Company, or may recharge prepaid electronic payment instruments by earning points from the Company or its affiliates through activities on the Service.
Purchases of prepaid electronic payment instruments through payment methods designated by the Company can be recharged with the amount specified for each payment method as stipulated in Paragraph 1, and may have their own limitations depending on the payment method.
You may use the prepaid electronic payment method in accordance with the deadline and method of use set by the Company, and the Company shall notify the details of the prepaid electronic payment method through these Terms or the service page related to the prepaid electronic payment method.
Users may use prepaid electronic payment methods as a payment method when purchasing goods and services.
Prepaid electronic payment methods are deducted immediately upon completion of the purchase of goods, etc.
If the user uses a prepaid electronic payment method, the prepaid electronic payment method shall be deducted in the following order: free prepaid electronic payment method earned from the service (hereinafter referred to as 'earned prepayment'), prepaid electronic payment method purchased by the user (hereinafter referred to as 'purchased prepayment').
If a user cancels the purchase of goods, etc. using a prepaid electronic payment method, the Company shall, in principle, recharge the prepaid electronic payment method used to purchase the goods, etc.

Article 6 (Validity and Refund of Prepaid Electronic Payment Instruments)

If you have not accumulated or redeemed any funds for an individual Prepaid EFT within one hundred twenty (120) months from the date of your last use of that Prepaid EFT, the Prepaid EFT you have reloaded will be automatically forfeited.
The Company shall notify the User of the expiration date of the prepaid electronic payment method pursuant to the preceding Paragraph at least three times, including a notice seven days prior to the expiration date, and whether and how the expiration date can be extended by email or other means.
The User may request the Company to extend the validity period within the validity period, and the Company upon receiving the request shall extend the validity period by three months unless there are special reasons.
If you withdraw your consent to these Terms, the Earned Prepayment is forfeited and non-refundable.
You may be refunded the full amount of the prepaid purchase if you request the Company to refund the prepaid electronic payment method you hold. However, you are not eligible for a refund if you have received a credit prepaid for free from the Company.
In the following cases, we will refund the entire balance of the prepaid purchase price. 1. if it is difficult to provide goods or services due to natural disasters, etc. and the use of prepaid electronic payment methods becomes impossible; 2. if it is impossible to provide goods or services due to defects in the prepaid electronic payment methods; 3. if the user requests a refund of the balance of the prepaid purchase; 4. if the user withdraws consent to these Terms and Conditions
Cash refunds will be credited to the account designated by the user within seven (7) business days after receiving the refund application from the user and confirming the fact of the user's deposit.
You may use the prepaid electronic payment method in accordance with the deadline and usage method set by the Company, and the Company will inform you of specific details such as refunds through the customer center page of each prepaid electronic payment method.

Article 7 (Prohibition and Use of Prepaid Electronic Payment Methods)

The user may not transfer, sell, pledge, or otherwise dispose of the prepaid electronic payment method.
The Company shall retain a maximum of 2 million won per real name for prepaid electronic payment instruments, but the retention limit may be reduced in accordance with the Company's policy.

Article 8 (Content of Payment Deposit Service)

The User (including the person to whom the Goods, etc. are supplied with the User's consent, hereinafter referred to in this Article) shall notify the Company of the fact that the Goods, etc. have been supplied within three (3) business days from the day the Goods, etc. are supplied.
The Company shall pay the payment to the e-tailer within the period stipulated between the Company and the e-tailer after being notified of the fact that the Company has received the goods from the user.
The Company may pay the payment to the telecommunications vendor without the User's consent if the User does not notify the Company of the supply of the goods, etc. within three business days after the date the User receives the goods, etc. without presenting a justifiable reason.
The Company shall refund the payment to the consumer if there is a reason for the user to be refunded the payment before the payment is paid to the telecommunications vendor.
The Company may establish payment deposit service terms and conditions separate from these Terms to establish specific rights and obligations related to the use of payment deposit service with users.

Article 9 (Service Hours and Reasons for Restrictions)

In principle, the Company shall provide electronic financial transaction services to users 24 hours a day, 7 days a week, 365 days a year. However, it may be determined otherwise depending on the circumstances of the financial institution or other payment method issuer.
The Company may temporarily suspend or limit the provision of the Service if there is any reason falling under any of the following subparagraphs:
1. If it is difficult to provide normal service due to repair, upgrade, inspection, replacement, breakdown, communication failure, hacking, etc. of information and communication facilities such as computers, etc.
2. If there is an obstacle to normal service use due to power failure, failure of various facilities, or excessive usage
3. If it is difficult to provide the service due to errors in computer operation or business processing by users
4. If other force majeure reasons such as natural disasters or national emergencies occur
If the Company is unable to suspend the Service due to the reasons in Paragraph 2 of this Article, the Company may suspend the Service after posting the fact of service suspension through electronic means that can be posted at least 3 days before the service suspension. However, if it is unavoidable, such as system failure report, urgent program maintenance, external factors, etc.

Article 10 (Selection, Use and Management of Access Media)

The Company may select the access medium to verify the user's identity, authorization, and transaction instructions when providing electronic financial transaction services.
You may not rent, delegate the use of, assign or pledge the Access Media to any third party.
Users shall not disclose or expose their access media to third parties or leave them unattended, and shall take sufficient care to prevent theft, forgery or alteration of access media.
When the Company receives a notification from the user of the loss or theft of the access medium, the Company shall be liable to compensate the user for damages caused by the use of the access medium by a third party from that time onward.

Article 11 (Confirmation of Transactions)

The Company shall allow the User to check the User's transaction details (including the User's 'error correction request and processing results') through the electronic method agreed with the User in advance, and if the User requests, the Company shall provide the User with a written document on the transaction details within two weeks from the date of receipt of the request by means of fax or other means. However, if the Company is unable to provide the transaction details due to operational failure of the electronic device or other reasons, the Company shall immediately notify the user of such reasons by electronic document transmission (including transmission using e-mail), and the period during which the transaction details cannot be provided shall not be counted in the period of written delivery.
Among the transaction details provided by the Company to the User, the name or number of the transaction account, the type and amount of the transaction, information indicating the counterparty, the date of the transaction, the type of electronic device and information that can identify the electronic device, the access record of the electronic device related to the electronic financial transaction, the commission received by the Company in exchange for the electronic financial transaction, and the User's withdrawal consent, information on the application for and changes to the terms and conditions of electronic financial transactions, records of electronic financial transactions with an amount exceeding 10,000 won per transaction for a period of 5 years, records of small electronic financial transactions with an amount of 10,000 won or less per transaction, records of transaction authorization when using electronic payment instruments, and information on the user's request for error correction and the results of the processing for a period of 1 year.
If a user wishes to request a written copy of the information specified in Paragraph 1, the user may request it at the following address and phone number.
- Address: Hectofinancial, 9-10F, Taekwang Tower, 6, Teheran-ro 34-gil, Gangnam-gu, Seoul, 06220, Korea
- Email address: [email protected]
- Phone: 1600-5220

Article 12 (Correction of Errors, etc.)

The user may request the Company to correct the error when the user realizes that there is an error in using the electronic financial transaction service.
When the Company receives a request for correction of an error pursuant to the provisions of the preceding paragraph or when it knows that there is an error itself, the Company shall immediately investigate and process the error and notify the User of the result within two weeks from the date of receipt of the correction request or the date of knowledge of the error.

Article 13 (Mistaken Remittances)

If the user mistakenly enters or enters the recipient financial company, recipient account number, etc. incorrectly and funds such as prepaid electronic payment methods are transferred to the recipient (hereinafter referred to as "erroneous remittance"), the user may notify the Company and contact the recipient through the Company or the recipient financial company to request the return of the erroneous remittance.
The Company shall notify the User of the result of the processing of the User's request or the progress of the related processing, including the fact of contacting the recipient, whether the recipient is willing to return the money, and the reason if the recipient is not willing to return the money, within 15 days from the date the User notifies the Company of the occurrence of the 'mistaken remittance' in the preceding paragraph.
If the recipient does not return the erroneous remittance after requesting the return of the erroneous remittance through the Company or the receiving financial company, the user may apply to the Deposit Insurance Corporation for the erroneous remittance return support system in accordance with Chapter 5 (Erroneous Remittance Return Support) of the Deposit Protection Act.(Applicable to erroneous remittances made after July 6, 21.7.6., the effective date of the revised Depositor Protection Act) However, the application for return support is limited to transactions for which the Deposit Insurance Corporation cannot obtain the real name of the recipient, such as remittance transfers through contacts and remittance transactions between SNS members.
The Company shall comply with the Deposit Insurance Corporation's request for data such as the reason for non-return of the erroneous remittance, the real name, address, and contact information of the recipient of the erroneous remittance, and the status of the occurrence of the erroneous remittance, unless there is a legitimate reason.
If a user applies for support for the return of erroneous remittances through the Deposit Insurance Corporation, the support procedure of the Deposit Insurance Corporation may be suspended in accordance with the relevant laws and regulations if the user falls under any of the following items:
1. you applied for a refund in a false or fraudulent way
2. objective evidence confirms that the payment was not made in error.
3. there is ongoing or completed litigation, including litigation related to the erroneous transfer for which you applied for refund assistance prior to the application date
4. as otherwise authorized by the Deposit Insurance Commissioner

Article 14 (Company Liability)

The Company shall be liable for damages caused to the user due to accidents caused by forgery or alteration of the access medium. However, if the user violates Article 7, Paragraph 2, or if the user divulges, exposes, or neglects his/her access medium despite knowing or being able to know that a third party may use the user's access medium to conduct electronic financial transactions without authorization, the user may be made to bear all or part of the responsibility.
The Company shall be liable to compensate the User for any damages caused to the User due to an accident occurring in the process of electronic transmission or processing of contract conclusion or transaction instructions. However, if the damage is caused to a user who falls under the clause of Paragraph 1 of this Article or is a corporation (excluding a small business under Article 2, Paragraph 2 of the Basic Act on Small and Medium-sized Enterprises) and the Company has fulfilled the duty of care reasonably required, such as establishing security procedures to prevent accidents and strictly complying with them, the Company may make the user bear all or part of the responsibility.
The Company shall be liable to compensate the User for damages caused by an accident resulting from the use of electronic devices for electronic financial transactions or access media obtained by false or other fraudulent means by intruding into the information and communication network pursuant to Article 2, Paragraph 1, Item 1 of the Act on Promotion of Information and Communication Network Utilization and Information Protection, etc.
The Company shall manage the User's information in accordance with the relevant laws and regulations, and the details of this shall be as set forth in the Company's 'Privacy Policy'. The Company shall not leak or distribute the User's personal information known in connection with the provision of the Service to any third party without the consent of the User, except in the case of a request from a related organization for the purpose of investigation under the relevant laws and regulations, or in the case of a request from the Information and Communication Ethics Committee, or in the case of due process under the provisions of the law.

Article 15 (Effect of Electronic Payment Transaction Agreement)

If the user's transaction instruction is related to an electronic payment transaction, the Company shall act as the payment processor and transmit the contents of the transaction instruction related to the electronic payment transaction so that the payment is made.
The Company shall return the funds received to the User if the payment transaction is not made in accordance with the User's transaction instructions regarding the electronic payment transaction.

Article 16 (Withdrawal of Trading Instructions, etc.)

The user may withdraw the transaction instruction and withdrawal consent before the payment for the electronic payment transaction is effective.
In the case of electronic funds transfer, (i) when the information on of the transaction instruction is recorded in the account ledger of the financial institution where the recipient's account is opened; (ii) in the case of payment by other electronic payment methods, when the information on the transaction instruction is entered into the electronic device of the financial institution where the recipient's account is opened; (iii) in the case of withdrawal agreement, when the information on the transaction instruction is recorded in the ledger of the payer's account. (iii) in the case of a debit instruction, when the information in the amount of the transaction instruction has been entered into the electronic device of the financial institution where the payee's account is maintained; and (iv) in the case of a prepaid electronic payment instrument, when the information in the amount of the user's transaction instruction has reached the electronic device designated by the payee.
If the payment has become effective, the user may receive a refund of the payment in accordance with the method of withdrawal of the subscription under the relevant laws, such as the Act on Consumer Protection in Electronic Commerce, etc.

Article 17 (Creation and Preservation of Records of Electronic Payment Gateway Service Usage)

The Company creates and preserves records that allow users to track and retrieve the contents of electronic financial transactions or to verify or correct errors in the contents.
The types of records and preservation methods that the Company shall preserve pursuant to the provisions of the preceding paragraph shall be as set forth in Article 11, Paragraph 2.

Article 18 (Prohibition of Providing Electronic Financial Transaction Information)

The Company shall not provide, disclose, or use any information or data concerning the personal information of the user, the user's account, the medium of access, and the content and performance of electronic financial transactions acquired in the course of providing electronic financial transaction services to any third party without complying with relevant laws and regulations or obtaining the consent of the user, or for any purpose other than business purposes. However, if a financial institution or public institution requests user transaction information from the Company, it may be de-identified and provided.

Article 19 (Termination and Restriction of Use)

If the user wishes to terminate the Company's electronic financial transaction service, the user shall apply for termination in the manner prescribed by the Company. The Company shall terminate the use contract through the prescribed termination procedure.
The Company may immediately terminate the Service Use Agreement or restrict the use of the Service without prior notice if the User falls under any of the following items. If you have any objection to the Company's actions, you may file an appeal through the Company's website or customer center.
1. fails to fulfill its obligations in Section 7.2 or 3 of these Terms
2. you are found to be in violation of these Terms
3. you have applied for a subscription or payment in someone else's name without legitimate authority.
4. used the Company's services for fraudulent purposes
5. personal information has been compromised through a new financial scam
6. intentionally interferes with the operation of the Service
7. you have violated applicable laws and the terms and conditions of your financial institution, other payment instrument issuer, or mail-order vendor
8. if it is significantly difficult to provide the service due to relevant laws, supervisory regulations, guidelines of supervisory organizations, terms and conditions of the company, etc.
If the Company determines that the objection in the preceding paragraph is justified, the Company shall immediately resume the use of the Service.
The Company may notify the user via e-mail or other valid means if the user falls under any of the following reasons, and may disqualify the user or temporarily restrict the use of the prepaid electronic payment method.
1. it is discovered that all or part of the personal information registered when registering for membership is false
2. using a prepaid electronic payment method after registering as a member by stealing another person's name or personal information
3. stealing someone else's payment information, or otherwise engaging in fraudulent behavior.
4. sell or otherwise transfer your access media
5. you are delinquent in paying your fees in the manner specified by the provider offering the payment method.
6. interferes with other users' use of the prepaid electronic payment method or interferes with the Company's provision of the prepaid electronic payment method
7. fail to resolve the reason for the restriction within the time period set by the Company.
8. violates any other prepaid electronic payment instrument law
A member who falls under Paragraph 4 may use the prepaid electronic payment method again with the Company's approval after resolving the reason.

Article 20 (Dispute Resolution and Arbitration)

The user may request the following dispute handling officer and person in charge to handle disputes such as opinions and complaints related to the use of electronic financial transaction services and claims for damages.
- Contact: Customer Service.
- Phone: 1600-5220
- Email: [email protected]
If the user has filed a dispute with the Company, the Company will inform the user of the results of the investigation or processing within 15 days.
If you are dissatisfied with the Company's dispute handling and dispute settlement, you may apply to the Financial Services Commission of the Financial Supervisory Service Commission pursuant to Article 51 of the Act on the Establishment of Financial Supervisory Organizations, etc. or the Consumer Protection Agency pursuant to Article 31, Paragraph 1 of the Consumer Protection Act for dispute settlement related to the use of the Company's electronic financial transaction services.

Article 21 (Company's obligation to ensure stability)

The Company shall exercise due care as a good manager to ensure that electronic financial transactions are processed safely, and shall comply with the standards set by the Financial Services Commission for information technology and electronic financial business, including personnel, facilities, and electronic devices for electronic transmission or processing by type of electronic financial transaction, to ensure the safety and reliability of electronic financial transactions.

Article 22 (Non-Terms Rules and Jurisdiction)

If the matters individually agreed upon between the Company and the User differ from the matters set forth in these Terms, the agreement shall take precedence over these Terms.
Matters not stipulated in these Terms and Conditions shall be governed by laws related to consumer protection, such as the Electronic Financial Transactions Act, the Act on Consumer Protection in Electronic Commerce, the Act on Telecommunications Sales, and the Credit Specialized Financial Business Act.
The jurisdiction over disputes between the Company and the User shall be governed by the Civil Procedure Law.

Addendum

These Terms shall be effective as of September 1, 2022. The previous Terms can be found on the homepage (www.hectofinancial.co.kr).

KICC

Basic Terms and Conditions for Electronic Financial Transactions

Article 1 (Purpose)

The purpose of these Terms and Conditions is to establish the basic matters concerning electronic financial transactions between the Company and the user when the user uses the electronic payment agency service and payment deposit service provided by Korea Information & Communication Corporation (hereinafter referred to as the 'Company').

Article 2 (Definitions of Terms)

Terms used in these Terms have the following definitions
1. 'Electronic financial transaction' means a transaction in which the Company provides electronic payment agency service and payment deposit service (hereinafter referred to as 'electronic financial transaction service') through electronic devices, and the user uses it in an automated manner without face-to-face contact or communication with the Company's personnel.
2."Electronic Payment Instrument" means an electronic funds transfer, debit electronic payment instrument, prepaid electronic payment instrument, e-money, credit card, e-bond, or any other means of payment by electronic means.
3.'Electronic payment agency service' means a service that transmits or receives payment information for the purchase of goods or the use of services by electronic means, or that acts on behalf of or mediates the settlement of the consideration.
4.'Payment Deposit Service' refers to a service in which the Company deposits the payment until the time of confirmation of the user's receipt of the goods or use of the service when the user pays all or part of the consideration (hereinafter referred to as 'payment') in advance before receiving the goods or services (hereinafter referred to as 'goods, etc.').
5. "Decision period" means a period of three (3) business days from the date of delivery of the item(s) to verify that the item(s) matches the item(s) you wish to purchase.
6. 'User' means a person who agrees to these Terms and Conditions and uses the electronic financial transaction services provided by the Company.
7.'Seller' refers to a person who confirms the deposit amount to supply goods and approves the buyer's refund request, and includes a mail order business under Article 2, paragraph 3 of the Act on Consumer Protection in Electronic Commerce, etc.
8.'Access medium' refers to the means or information used to instruct transactions or to secure the truth and accuracy of users and transaction contents in electronic financial transactions, such as electronic cards and electronic information equivalent to (including credit card numbers), certificates under the Electronic Signature Act, user numbers registered with the Company, biometric information of users, passwords required to use the above means or information, etc. as stipulated in Article 2, No. 10 of the Electronic Financial Transactions Act.
9. 'Transaction Instruction' means the User's instruction to the Company to process an electronic financial transaction in accordance with the electronic financial transaction contract concluded under these Terms.
10. 'Error' means when an e-financial transaction is not performed in accordance with the e-financial transaction contract or the user's transaction instructions without the user's intention or negligence.
11.'Information and communication network' means an information and communication system that collects, processes, searches, transmits, or receives information using telecommunication facilities or utilizes telecommunication facilities, computers, and computer utilization technology.

Article 3 (statement and modification of terms)

The Company will post these Terms and Conditions before you use the e-financial transaction service and allow you to check the important contents of these Terms and Conditions.
The Company shall deliver a copy of these Terms to the User by electronic document transmission upon the User's request.
③ If the Company changes these Terms, the Company shall notify the user by posting the changed Terms on the initial screen of the electronic financial transaction service provided by the Company or on the Company's homepage before the effective date of the change. However, if the Company urgently changes the Terms due to the revision of laws and regulations, the Company shall notify the User immediately after the change.
④ When the Company makes the notice in Paragraph 3, it shall include the content that "If the user does not agree to the change, the user may terminate the contract within 30 days from the date of the Company's notice, and if the user does not express the intention to terminate, the user shall be deemed to have agreed."

Article 4 (Types of Electronic Payment Gateway Services)

The electronic payment processor services provided by the Company are categorized as follows depending on the payment method.
1. Credit card payment agency service: When the payment method provided by the user for payment of the payment is a credit card, it refers to a service in which the company sends and receives credit card payment information through the electronic payment system and acts or mediates the settlement of the payment.
2. Account transfer agency service: refers to a real-time remittance service that allows users to withdraw payment from their account registered with a financial institution through the Company's electronic payment system and transfer it to the desired account.
3. Virtual Account Service: When the user wants to pay the payment in cash, the payment is automatically made through the Company's electronic payment system by issuing a unique disposable account for the user.
4. Easy payment service: When the payment method provided by the user for payment of the payment is a credit card or account transfer, it refers to a service that allows the user to pay for the product by registering the relevant information once without having to enter the information each time. However, when applying for the simple payment service, the user's identity verification procedure prescribed by the company is required, and the service can be used only after the company's certification and approval.
5. Other: The services provided by the Company include 'Mobile phone payment agency service', 'ARS payment agency service', 'Gift certificate payment agency service', 'Transportation card payment agency service', 'Point payment agency service', etc. depending on the type of payment method.

Article 5 (Initiation and Termination of Payment Deposit Service, etc.)

① A separate membership procedure is not required to use the payment deposit service, and a legitimate application for the service is made when the user (including the person to be supplied with goods, etc. with the consent of the user; the same shall apply to this Article and Article 6 hereinafter) indicates and completes the intention to pay using the service when purchasing goods from the seller. In this case, the fee for the service shall be determined separately by the Company.
② The time of commencement of the Company's provision of the payment deposit service and responsibility based on the user's service application shall be when the user's purchase-related information is delivered to the Company through the seller, etc. and the payment is made as follows.
1. for cash transactions, when the proceeds of the transaction are deposited into the company's account that you have been notified of in advance
2. for credit card transactions, when the Company receives the card authorization information from the card issuer.
3. for other payment methods, when the Company becomes aware of the deposit or settlement of the payment
③ The Payment Deposit Service shall be terminated at the time falling under item 1 of the following subparagraphs.
1. when the Company is aware that you have properly received the goods ordered after payment and have authorized the purchase to be paid to the seller, and the Company has paid the seller.
2. when the Company has paid the seller for the goods because the user has not notified the Company of his/her intention to pay the seller within the purchase decision period; 3. when the user has notified the Company of his/her intention to refuse or cancel the purchase within the purchase decision period, and the seller has completed receipt of the returned goods and notified the Company that there is no objection to the return, and the Company considers the purchase to be canceled (returned) normally and refunds the transaction price to the user.
④ If the user cancels the purchase through the seller or the like before the goods are shipped after payment through the payment deposit service, the Company shall treat it as if the user has automatically canceled the service, and the Company shall not be liable for it.

Article 6 (Content of Payment Deposit Service)

① The User shall notify the Company within the purchase decision period after receiving the Goods, etc. that the User has received the Goods, etc. However, if the User intends to refuse to purchase the Goods, the User shall notify the Company within the purchase decision period of the intention to refuse to pay the Seller for the Goods in accordance with the method prescribed by the Company in advance.
② The Company shall pay the payment to the e-tailer within the period stipulated between the Company and the e-tailer after being notified of the supply of goods from the user.
③ The Company may pay the payment to the telecommunications vendor without the consent of the user if the user does not notify the Company of the fact of the supply of the goods, etc. from the day the user receives the goods, etc. until the purchase decision period has passed without presenting a justifiable reason.
④ The Company shall refund the payment to the user if there is a reason to refund the payment to the user before the payment is made to the telecommunications vendor, and the specific method shall be as follows.
1. Upon notification of the User's refusal to purchase and the Seller's approval of the refund, the Company shall refund the User's payment according to the User's payment method on the next business day (banking day), in the case of cash payment, to the account designated by the User, and in the case of credit card and other payment methods, cancel the payment.
2. The user shall ensure that the goods received after the refusal of purchase are safely returned to the seller when returning the goods to the seller, and if the goods are damaged due to the user's fault, notwithstanding paragraph 1, the user and the seller shall mutually agree to handle it.
⑤ The Company may establish payment deposit service terms and conditions separate from these Terms to establish specific rights and obligations related to the use of payment deposit services with users.

Article 7 (Hours of Use)

① In principle, the Company shall provide electronic financial transaction services to users 24 hours a day, 7 days a week, 365 days a year. However, depending on the nature of the service or the circumstances of the financial institution or other payment method issuer, the Company may determine the number of months .
② The Company may suspend the Service if it is inevitable to suspend the Service due to other technical needs such as maintenance or inspection of information and communication facilities or due to the circumstances of financial institutions or other payment instrument issuers, and the Company shall post the fact of suspension of the Service through electronic means at least 3 days before the suspension of the Service. However, the Service may be suspended without prior notice if it is unavoidable due to system failure recovery, urgent program maintenance, external factors, etc.

Article 8 (Selection, Use and Management of Access Media)

The Company may select the access medium to verify the user's identity, authorization, and transaction instructions when providing electronic financial transaction services.
You may not rent, delegate the use of, assign or pledge the Access Media to any third party.
③ Users shall not disclose or expose their access media to third parties or leave them unattended, and shall take sufficient care to prevent theft, forgery or alteration of access media.
④ When the Company receives a notification from the User of the loss or theft of the access medium, the Company shall be liable to compensate the User for damages caused by the use of the access medium by a third party from that time onward.

Article 9 (Confirmation of Transactions)

(1) The Company shall allow the User to check the User's transaction details (including the User's 'error correction request and processing results') through the electronic method agreed with the User in advance, and if the User requests, the Company shall provide the User with a written document on the transaction details within two weeks from the date of receipt of the request. However, if the Company is unable to provide the transaction details due to an operational failure of the electronic device or other reasons, the Company shall immediately notify the user of such reasons by electronic document transmission (including transmission by e-mail), and the period during which the transaction details cannot be provided shall not be counted in the period of written delivery.
② Among the transaction details provided by the Company to the User, the name or number of the transaction account, the type and amount of the transaction, information indicating the counterparty, the date of the transaction, the type of electronic device and information that can identify the electronic device, the access record of the electronic device related to the electronic financial transaction, the User's withdrawal consent, the application for the electronic financial transaction, and the change of the terms and conditions of the electronic financial transaction, Records of electronic financial transactions with a transaction amount exceeding 10,000 won per transaction for a period of 5 years, records of small electronic financial transactions with a transaction amount of 10,000 won or less per transaction for a period of 1 year, records of transaction authorization when using electronic payment instruments, user's error correction requests and processing results for a period of 1 year, and information on the fees received by the Company in exchange for the provision of electronic payment agency services.
③ If a user wishes to request a written copy of the information specified in Paragraph 1, the user may request it at the following address and phone number.
- Address: 7th floor, Korea Chamber of Commerce and Industry, 39 Sejong-daero, Jung-gu, Seoul, Republic of Korea
- Email address: [email protected]
- Phone: 1600-1234

Article 10 (Correction of Errors, etc.)

(1) The user may request the Company to correct the error when the user realizes that there is an error in using the electronic financial transaction service.
When the Company receives a request for correction of an error pursuant to the provisions of the preceding paragraph or when the Company knows that there is an error itself, the Company shall immediately investigate and process the error and notify the User of the result in writing, by phone, or by e-mail within two weeks from the date of receipt of the request for correction.

Article 11 (Company Liability)

① The Company shall be liable for damages caused to the User due to accidents caused by forgery or alteration of the access medium. However, the Company may make the User bear all or part of the liability if the User violates Article 8, Paragraph 2, or if the User divulges, exposes, or neglects his/her access medium even though the User knew or could have known that a third party may use the User's access medium to conduct electronic financial transactions without authorization.
② The Company shall be liable to compensate the User for any damages caused to the User due to an accident occurring in the process of electronic transmission or processing of contract conclusion or transaction instructions. However, if the damage is caused to a user who falls under the clause of Paragraph 1 of this Article or is a corporation (excluding a small business under Article 2, Paragraph 2 of the Basic Act on Small and Medium-sized Enterprises) and the Company has fulfilled the duty of care reasonably required, such as establishing security procedures to prevent accidents and strictly complying with them, the Company may make the user bear all or part of the responsibility.
③ The Company shall be liable to compensate the User for damages caused by an accident resulting from the use of electronic devices for electronic financial transactions or access media obtained by false or other fraudulent means by intruding into the information and communication network pursuant to Article 2, Paragraph 1, Item 1 of the Act on Promotion of Information and Communication Network Utilization and Information Protection, etc. However, the Company shall not be liable to the User in any of the following cases.
1. In the event of an accident pursuant to Article 9, Paragraph 1, Item 3 of the Electronic Financial Transactions Act due to the user's refusal without justifiable reason to take additional security measures required by the Company for electronic financial transactions to enhance security in addition to verification according to the access medium.
2. If an accident occurs due to the following acts by the user with respect to the media, means, or information used in the additional security measures in paragraph 1. Leaks, discloses, or leaves unattended B. Lent it to a third party or delegated its use, or provided it for the purpose of transfer or collateral

Article 12 (Effect of Electronic Payment Transaction Agreement)

(1) If the user's transaction instruction is related to an electronic payment transaction, the Company shall act as the payment processor and transmit the contents of the transaction instruction related to the electronic payment transaction so that the payment is made.
② The Company shall return the funds received to the User if the payment transaction is not made in accordance with the User's transaction instructions regarding the electronic payment transaction.

Article 13 (Revocation of Trade Instructions)

(1) In the case of transaction instructions for electronic payment transactions, the user may revoke the transaction instruction by contacting the following address, e-mail, and contact information before the payment is effective.
- Address: 7th floor, Korea Chamber of Commerce and Industry, 39 Sejong-daero, Jung-gu, Seoul, Republic of Korea
- Email address: [email protected]
- Phone Number: 1600-1234
The effective time of payment under the preceding paragraph shall be (i) in the case of electronic funds transfer, when the information in the amount of the transaction instruction is recorded in the account ledger of the financial institution where the recipient's account is held; and (ii) in the case of payment by other electronic payment methods, when the information in the amount of the transaction instruction is entered into the electronic device of the financial institution where the recipient's account is held.
③ If the payment has become effective, the user may withdraw the subscription in accordance with the method of withdrawing the subscription under the relevant laws such as the Act on Consumer Protection in Electronic Commerce, etc. or return the payment as stipulated in Article 6 of these Terms.

Article 14 (Creation and Preservation of Records of Electronic Payment Gateway Service Usage)

① The Company creates and preserves records that allow users to track and retrieve the contents of electronic financial transactions or to verify or correct errors in the contents.
② The types of records and preservation methods that the Company shall preserve pursuant to the provisions of the preceding paragraph shall be as set forth in Article 9, Paragraph 2.

Article 15 (Prohibition of Providing Electronic Financial Transaction Information)

The Company shall not provide or disclose to any third party, or use for any purpose other than business purposes, any information or data concerning the user's personal information, the user's account, access media, and the contents and results of electronic financial transactions acquired in the course of providing electronic financial transaction services without obtaining the user's consent. However, this shall not apply in cases where the Company follows due process based on relevant laws such as the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Personal Information Protection Act, and the Act on the Use and Protection of Credit Information.

Article 16 (Termination and Limitation of Use)

The user may terminate the service contract through the service homepage or customer center.
The Company may immediately terminate the Service Use Agreement or restrict the use of the Service without prior notice if you fail to fulfill your obligations under these Terms. If you have any objection to the Company's actions, you may file an appeal through the Service homepage or customer center.
③ If the objection in the preceding paragraph is deemed to be justified, the Company shall immediately resume the use of the Service.

Article 17 (Dispute Resolution and Arbitration)

(1) The user may request the following dispute handling officer and person in charge to handle disputes such as opinions and complaints related to the use of electronic financial transaction services and claims for damages.
- Contact: RM, PG Business Unit
- Tel: 02)368-0916
- Email: [email protected]
If the user has filed a dispute with the Company, the Company will inform the user of the results of the investigation or processing within 15 days.
③ You may apply to the Financial Services Commission of the Financial Supervisory Service Commission pursuant to Article 51 of the Act on the Establishment of the Financial Services Commission or the Consumer Dispute Mediation Committee of the Korea Consumer Affairs Ministry pursuant to Article 60 of the Consumer Affairs Act to mediate disputes related to the use of the Company's electronic financial transaction services.

Article 18 (Company's obligation to ensure stability)

Article 19 (Non-Terms Rules and Jurisdiction)

(1) If the matters individually agreed upon between the Company and the User differ from the matters set forth in these Terms, the agreement shall take precedence over these Terms.
② Matters not stipulated in these Terms and Conditions shall be governed by consumer protection laws such as the Electronic Financial Transactions Act, the Act on Consumer Protection in Electronic Commerce, the Act on Door-to-Door Sales, and the Women's Specialized Financial Business Act.
③ Jurisdiction over disputes between the Company and the User shall be governed by the Civil Procedure Act.
Addendum These Terms are effective as of February 26, 2025.