master K Privacy Policy 

Visang Education Co., Ltd. (hereinafter referred to as "Visang Education" or "the Company") strictly complies with the Personal Information Protection Act and other domestic personal information protection laws.  

The Company adheres to the statutory basis related to personal information protection, such as the Personal Information Protection Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, and other related laws.  

In accordance with these laws, the Company has established its Privacy Policy, which is made publicly available on its website and mobile applications so that users (or "customers") can easily access and review it at any time. 

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Article 1 (Purpose of Personal Information Use and Processing) 

Article 2 (Collection and Use of Personal Information) 

Article 3 (Retention and Use Period of Collected Personal Information) 

Article 4 (Rights and Obligations of the Data Subject and Legal Representative, and Methods of Exercise) 

Article 5 (Transfer of Personal Information Abroad) 

Article 6 (Provision and Delegation of Personal Information) 

Article 7 (Retention and Destruction of Personal Information) 

Article 8 (Technical and Administrative Measures for the Protection of Personal Information Protection) 

Article 9 (Designation of Personal Information Protection Officers and Managers) 

Article 10 (Installation, Operation, and Rejection of Automated Personal Information Collection Tools) 

Article 11 (Duty to Notify) 

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Article 1 (Purpose of Personal Information Use and Processing) 

The Company uses the collected information for the following purposes. 

The personal information being processed will not be used for purposes other than those specified below. If the purpose of use changes, necessary measures, such as obtaining separate consent in accordance with Article 18 of the Personal Information Protection Act, will be taken. 

1. Assisting users in using the services smoothly 

- Details: Education management/support, management of educational history, member management, handling VOC (Voice of Customer), and other educational services. 

2. User management and identification following service use, approval of membership, and prevention of fraudulent use 

3. Improving services through data analysis and internal research based on statistical insights 

4. Enhancing AI analysis, machine learning, and speech recognition algorithm performance 

5. Providing personalized services 

6. Service improvement through necessary surveys and analysis 

7. Verifying user identity and responding to inquiries when users ask questions 

8. Providing important notifications as needed 

9. Retaining records for grievance handling and dispute resolution 

10. (Upon consent to marketing) Providing promotional information such as new feature (product) announcements, discounts, coupons, and event advertising 

Users may refuse to consent to the collection, use, and provision of personal information if they do not wish to. However, if a user refuses to consent, they may not be able to use all or part of the service. 

Article 2 (Collection and Use of Personal Information) 

The Company collects, uses, provides, and disposes of personal information as follows, depending on the type of service being used.  

Additionally, when the Company collects personal information that can personally identify users, it will always obtain the user's consent.  

Furthermore, if there are any changes to the privacy policy, the Company will notify users and make it available for review at any time. 

1. Items of Personal Information Collected 

The personal information items processed by the Company are as follows. The collected personal information will be destroyed immediately after membership withdrawal. However, if preservation is required by relevant laws, the information will be stored separately for the mandatory retention period. The following information will be retained for a specific period for the reasons listed below. 

(User IDs will be permanently retained to prevent duplicate registrations and manage posts.) 

1) Personal Information Collection Items by Member 

Note on Required and Optional Items 

• Required Items: Information necessary to perform the essential functions of the service. 

• Optional Items: Information collected additionally to provide added value, which does not restrict the use of the service if not provided. 

2. Methods of Collecting Personal Information 

The Company collects personal information for the provision of services through the following methods: 

1) Information entered directly by the user during membership registration or service application. 

2) Information entered directly by the user's affiliated company/school during membership registration or service application. 

3) Information about the user (educational participant) transmitted to the Company by the user's affiliated company/school. 

- During service use: Automatically collected. 

3. Personal Information Collection and Retention Period 

This follows Article 3 regarding the retention and use period of collected personal information. 

4. Right to Refuse Consent for the Collection and Use of User Personal Information 

Users have the right to refuse consent for the collection and use of their personal information. However, if consent is refused, users will not be able to access the Company’s services that require the collection of the aforementioned information. 

5. Additional Information Collected After User Consent 

During the process of using services or  business operations, the following information may be generated and collected: 

• Service usage records, access logs, device size, access IP information, product usage application information, type of operating system, type of internet browser, screen resolution, and other attribute values. 

• User voice information (collected separately as additional required information when using the AI Speak service) 

6. Restrictions on Service Use by Minors 

In accordance with Article 22, Paragraph 6 of the Personal Information Protection Act, the Company must obtain the consent of a legal guardian when collecting personal information from minors under the age of 14.  

For members in EU countries, under the General Data Protection Regulation (GDPR), the consent of a legal guardian is required when collecting personal information from minors under the age of 16. 

Please note that if the legal guardian's consent is not obtained, there may be restrictions on the use of all or part of the services. 

Article 3 (Retention and Use Period of Collected Personal Information) 

The Company shall, in principle, promptly destroy users' personal information upon membership withdrawal or when the purposes stated in the privacy policy have been achieved. However,  if certain laws require information to be retained for a specified period, the personal information will be retained accordingly. 

1. After the purpose of collecting and using personal information has been achieved , or upon request for withdrawal or revocation of consent, the Company will store the user's personal information for a certain period (up to 30 days from the completion of the course) to verify the completion of transactions such as education fee payment or contract cancellation, and then destroy the personal information. 

2. If personal information must be retained in accordance with relevant laws and regulations, the Company will retain the user's personal information for the period specified by the relevant laws. 

Article 4 (Rights and Obligations of the Data Subject and Legal Representative, and Methods of Exercising Them) 

1. The data subject may exercise their rights to request access, correction, deletion, or suspension of the processing of personal information from the Company at any time. 

2. Rights can be exercised by submitting a written request, email, or fax to the Company in accordance with Article 41, Paragraph 1 of the Enforcement Decree of the Personal Information Protection Act, and the Company will respond without delay. 

3.The exercise of rights may also be carried out through a legal representative or a delegated person authorized by the data subject. In such cases, a power of attorney in the format prescribed in Form No. 11 of the "Notice on Personal Information Processing Methods (No. 2020-7)" must be submitted. 

4. Requests for access or suspension of processing of personal information may be restricted according to Articles 35(4) and 37(2) of the Personal Information Protection Act. 

5. Requests for correction or deletion of personal information cannot be made if other laws specify that such personal information must be collected. 

6. The Company will verify whether the individual requesting access, correction, deletion, or suspension of processing is the data subject themselves or a legitimate representative. 

Article 5 (Overseas Transfer of Personal Information) 

(1) Transfer of Information Overseas 

The Company entrusts personal information overseas by using AWS servers to provide stable services and the latest technology to users. 

In accordance with this policy, the Company transfers, stores, and processes personal information either within the user's country of residence or internationally, particularly transferring data to Singapore.  

The data protection and other laws of the country to which your information is transferred may not be as comprehensive as those in your country of residence. 

Article 6: Provision and Delegation of Personal Information 

Visang Education processes personal information for the following purposes. The personal information being processed will not be used for any purposes other than those listed below, and if the purpose of use changes, necessary measures, such as obtaining prior consent, will be implemented. 

1. Provision of Personal Information to Third Parties 

- The Company, in principle, processes users' personal information only within the scope specified in "Article 1 (Purpose of Use and Processing of Personal Information)" and does not process beyond the original scope or provide it to third parties. 

- If it becomes necessary to provide or share personal information with third parties for better service delivery, the Company will specify the recipient, the categories of personal information provided, the purpose of use of the recipient's personal information, and the retention period of the recipient. A procedure for obtaining prior consent will be followed, and if consent is not given, the information will not be provided or shared with third parties.  

- However, in cases falling under Article 17 of the Personal Information Protection Act, such as special provisions of the law, personal information may be provided to third parties. 

2. Entrustment of Personal Information Processing 

The Company, when entering into an entrustment contract, specifies in the contract or other documents matters related to the prohibition of processing personal information  

beyond the purpose of performing entrusted tasks, technical and managerial protective measures, restrictions on re-entrustment, management and supervision of the trustee, and liability  

for damages, in accordance with Article 25 of the Personal Information Protection Act. The Company also supervises whether the trustee handles personal information securely. 

Article 7: Retention and Destruction of Personal Information 

1.The Company will destroy users' personal information without delay after the retention and usage period has expired. 

2. To protect personal information and prevent damage caused by data breaches, the Company will destroy personal information using the following methods: 

1) Printed personal information will be destroyed by shredding or incineration.     

2) Personal information stored in electronic file formats will be deleted using technical methods that render the records unrecoverable. 

Article 8: Technical and Administrative Measures for Personal Information Protection 

The Company implements the following technical and managerial measures to ensure the security of users' personal information and to prevent loss, theft, leakage, alteration, or damage while processing personal information. 

However, the Company does not bear any responsibility for issues arising from the user's own negligence or problems related to the internet or communication, such as leakage of personal information like IDs or passwords. 

1) Passwords are stored and managed in an encrypted format, known only to the user, and personal information can only be verified and changed by the user who knows the password. 

2) The Company makes every effort to prevent the leakage or damage of users' personal information due to hacking or computer viruses. 

The Company regularly backs up data to prepare for potential damage to personal information and implements the latest security updates and technical measures to prevent the leakage or damage of users' personal information or data. 

Additionally, the Company ensures that personal information is transmitted securely over the network through encrypted communication and controls unauthorized access from external sources using an intrusion prevention system. The Company strives to equip itself with all possible technical measures to ensure system security. 

3) The Company limits the number of personnel responsible for processing personal information, assigns separate passwords, and regularly updates them. It also conducts regular training for responsible personnel and staff to consistently emphasize compliance with the personal information processing policy. 

Article 9: Designation of Personal Information Protection Officers and Administrators 

The Personal Information Protection Officer is responsible for protecting users' personal information and preventing leaks, helping users to use the services provided by the Company with peace of mind. The officer will be liable for any incidents that occur in violation of the information provided to users regarding the protection of personal information. 

However, this liability does not apply in cases of damage or loss of information due to unforeseen events, such as natural disasters, even if the Company has taken appropriate measures to ensure security, nor does it apply to various disputes arising from the information provided by users to the Company. 

2. The Company designates the Personal Information Protection Officer as specified in the Personal Information Protection Act as follows. 

[Personal Information Protection Officer and Responsible Department] 

a. Visang Education is responsible for overseeing the processing of users' personal information and has designated the Personal Information Protection Officer and responsible departments to address users' inquiries and handle complaints. 

b. Users can direct any inquiries related to personal information protection, complaints, and damage remedies arising from the use of Visang Education's services to the Personal Information Protection Officer and the responsible department. 

3. Data subjects may contact the institutions listed below for remedies and consultations regarding personal information infringements.  

Article 10: Installation, Operation, and Rejection of Automated Personal Information Collection tools 

1. The Company uses "cookies" to store and retrieve usage information frequently in order to provide users with personalized services. 

2. A cookie is a small amount of information sent from the server (HTTP) that operates the website to the user's computer browser, which may be stored on the hard disk of the user's PC. 

a. Purpose of Using Cookies: Cookies are used to understand the usage patterns of users regarding each service and website they visit, including visits, usage types, popular search terms, and whether secure access is enabled, in order to provide optimized information to users. 

b. Installation, Operation, and Refusal of Cookies: Users can refuse the storage of cookies by adjusting the settings in the options menu found under Tools > Internet Options > Privacy in the web browser. 

c. Consequences of Refusing to Store Cookies: Refusing to store cookies may result in difficulties in using personalized services. 

Article 11: Obligation to Notify 

If there are any additions, deletions, or modifications to the contents of this Privacy Policy, notice will be given through the service announcements at least 7 days prior to the amendment. If prior notification is difficult, it will be made without delay. In cases where important changes affect the rights or obligations of users, notice will be provided at least 30 days in advance. 

- Announcement Date: September 30, 2024 

- Effective Date: October 11, 2024 

- Previous versions of the Privacy Policy can be found in the previous Privacy Policies. 

- Table of Contents -  

Chapter 1: General Provisions  

Article 1 (Purpose)  

Article 2 (Definition of Terms)  

Article 3 (Provision of Company Information, etc.)    

Article 4 (Posting of Terms and Conditions)  

Article 5 (Amendment of Terms and Conditions)  

Article 6 (Interpretation of Terms and Conditions)  

Chapter 2: Membership Registration    

Article 7 (Membership Registration)  

Article 8 (Modification of Member Information)  

Article 9 (Member’s Responsibility for Managing ID and Password)    

Article 10 (Notification to Members)    

Article 11 (Withdrawal and Loss of Membership)  

Chapter 3: Service Use Agreement  

Article 12 (Formation of the Service Use Agreement)  

Article 13 (Company’s Obligations)  

Article 14 (Member’s Obligations)  

Article 15 (Payment Methods)  

Article 16 (Provision and Interruption of Services)  

Article 17 (Member’s Posts and Deletion)  

Article 18 (Copyright Ownership, etc.)  

Article 19 (Protection of Personal Information)  

Chapter 4: Cancellation of Service Use Agreement and Refund Policy  

Article 20 (Withdrawal of Subscription and Refund)  

Article 21 (Refund of Overpayment)  

Article 22 (Company’s Termination and Restriction of Use)  

Article 23 (Compensation for Damages Due to Service Defects)  

Article 24 (Prohibition of Transfer)  

Chapter 5: Miscellaneous  

Article 25 (Disclaimer)  

Article 26 (Governing Law and Jurisdiction)  

Article 27 (Dispute Resolution)  

Article 28 (Exclusive Jurisdiction)   

Chapter 1: General Provisions  

Article 1 (Purpose)  

The purpose of these Terms and Conditions is to set forth the terms and procedures for using the online Korean language education platform "master k" (hereinafter referred to as the "master k platform" or the "Service," including both the website and the application) operated by VISANG Education Co., Ltd. (hereinafter referred to as the "Company"), as well as to define the rights, obligations, and responsibilities of the Company and the users when an institution or user enters into a service agreement and registers as a member to use the "Service."  

Article 2 (Definition of Terms)  

The definitions of terms used in these Terms and Conditions are as follows:  

① User: Refers to both members and non-members who access the company's website, application, etc., and use the services provided by the company in accordance with these Terms and Conditions.  

② Member: Refers to the representative (administrator member) of an institution (organization) that has entered into a separate agreement with the company for the use of the service and has registered as a member following the prescribed procedures, as well as the instructors and student users of the institution who have been granted specific management or usage rights by the administrator member. These members receive information from the company and can continuously use the services provided by the company. Each type of member receives the following services:   However, members of the service must be at least 14 years old; therefore, membership registration is generally restricted for those under the age of 14.  

-Administrator Member: The institution’s administrator who, as the representative of the institution (organization) that has entered into a separate agreement with the company, manages and oversees the instructors and students of the institution. This member collects the necessary information, such as personal information, from the instructors and students to enable them to use the service.  

- Main Teacher: A person who manages the instructors belonging to the institution and delivers and provides the institution’s content to the general teachers.  

-  Teacher: A person who provides Korean lessons and materials to students.  

- Student: A person who takes Korean lessons from teachers using the service.  

③ Non-Member: Refers to a person who uses part of the service without registering as a member.  

④ Content: Refers to materials or information represented in the form of symbols, characters, voices, sounds, images, or videos used in the information and communication network, as defined in Article 2, Paragraph 1, Subparagraph 1 of the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc. This includes information that has been produced or processed in electronic form to enhance its utility for preservation and use.  

⑤ Course: Refers to the Korean language education curriculum established by an instructor affiliated with an institution to provide lessons within a single semester. Course information includes details such as the objectives, level, and curriculum of the lessons presented by the instructor during the specified period.  

⑥ Lesson: Refers to the educational service provided within a course, wherein the main instructor of the institution directly designs and opens e-learning, video classes, and lesson materials, offering these services to users through the master k platform (website or app).  

⑦ ID: Refers to a combination of letters or numbers set by the member or the institution administrator and approved by the company, used for identifying the member and utilizing the service.  

⑧ Password: Refers to a combination of letters or numbers that verifies and confirms that the member is the same as the one assigned the ID.  

⑨ Post: Refers to information in the form of text, symbols, sound, images, videos, etc., posted by a member on the company's site while using the service, including articles, photos, videos, various files, links, and comments.  

The definitions of terms not specified in Paragraph 1 of this Article shall follow the relevant laws and service-specific guidelines; otherwise, general conventions shall apply.  

Article 3 (Provision of Company Information, etc.)  

The company shall post the contents of these Terms and Conditions, its business name, representative name, address (including the address for handling consumer complaints), telephone number, fax number, email address, business registration number, e-commerce registration number, and the name of the person responsible for managing personal information on the initial screen of the online service, making it easily accessible for users. However, the terms may be made available for viewing by users through a linked screen.  

Article 4 (Posting of Terms and Conditions)  

The company shall post these Terms and Conditions on the site so that users can view the contents of the Terms through a separate linked screen.  

Article 5 (Amendment of Terms and Conditions)  

① The company may amend these Terms and Conditions within the scope that does not violate relevant laws, including the Content Industry Promotion Act, the Act on Consumer Protection in Electronic Commerce, and the Act on the Regulation of Terms and Conditions.  

② When the company amends the Terms and Conditions, it shall specify the effective date and reasons for the amendments, and post this information along with the current Terms on the initial screen of the service at least 7 days prior to the effective date (30 days for changes that are disadvantageous to users or involve significant matters) and for a substantial period after the effective date. The company shall also individually notify existing members of the amended Terms, effective date, and reasons for changes via email or announcements.  

③ If a member does not agree to the application of the amended Terms and Conditions, the member may discontinue the use of the service and withdraw from membership.  

④ If an existing member does not raise any objections within the specified period despite the notice or communication in Paragraph 2, it shall be deemed that the member has agreed to the amended Terms and Conditions.  

Article 6 (Interpretation of Terms and Conditions)  

Matters not specified in these Terms and Conditions and the interpretation of these Terms shall be governed by relevant laws, the individual service use terms set by the company, detailed usage guidelines, and rules, or general customs.  

Chapter 2: Membership Registration  

Article 7 (Membership Registration)  

① Membership registration is completed when a user, who is either an institution that has entered into a separate contract with the company or a user not affiliated with any institution, agrees to the contents of these Terms and submits an application form with the relevant information as provided by the company. The company then approves the application. However, instructors (main instructors) and student members affiliated with an institution can apply for membership through the operator member by following the prescribed form provided by the institution or by receiving an ID from the operator member.  

② All information entered by the user in the application form mentioned in the previous paragraph is considered actual data. Users who do not enter their real names or actual information will not be legally protected and may face restrictions on service use.  

③ The company shall, in principle, approve membership registration for users under Paragraph 1 of this Article. However, the company may refuse or withhold approval for applications that fall under any of the following categories, and may cancel the approval even after it has been granted:  

A. The applicant has previously lost their membership status under these Terms.    

B. The applicant has withdrawn from membership within the past three months.  

C. The applicant uses a name that is not their real name or uses someone else’s identity.    

D. The applicant provides false information or fails to fill out the required information as requested by the company.  

E. The application cannot be approved due to the user's fault or if other regulations are violated in the application process.  

F.  The applicant has violated the obligations of a member as stipulated in Article 14 of these Terms.  

G. The information provided to the company at the time of application (ID, password, address, etc.) violates public morals or social order, or insults others.  

H. Any other deficiencies in the application requirements established by the company.  

④ The company may withhold approval for membership registration if there is insufficient capacity in service-related facilities or if there are technical or operational issues.  

⑤   If the company does not approve or withholds approval of the membership application in accordance with Paragraphs 3 and 4, it must inform the applicant. However, this does not apply in cases where the company is unable to notify the applicant due to reasons not attributable to the company.  

Article 8 (Modification of Member Information)  

①   Members can view and modify their personal information at any time by accurately entering their password through the member information management screen. However, instructors and student members affiliated with an institution may need to view and modify their information through the relevant institution (operator member) or the “My Information” and “Academic Information” sections within the service.  

② The company is not responsible for any disadvantages that occur if a member fails to notify the company of changes to the information provided at the time of membership registration.  

Article 9 (Member’s Responsibility for Managing ID and Password)  

① The responsibility for managing the member's ID and password lies with the member, and they must not allow third parties to use them.  

② If a member becomes aware that their ID or password has been stolen or is being used by a third party, they must immediately notify the company.  

③ In the case described in Paragraph 2, the company may require the member to take necessary measures, such as changing their password, to protect the member’s personal information and prevent other fraudulent activities. The company is not responsible for any disadvantages that arise if the member does not comply with the company’s request.  

Article 10 (Notification to Members)  

① If there are matters that the company needs to inform the members about, it may notify them via the email address provided by the member or through a notice posted on the website.  

② For notifications directed to all members, the company may substitute the notification specified in the previous paragraph by posting it on the company's website for at least seven days. However, for significant matters related to transactions, such as the member's use of paid services, notification will be provided as stated in Paragraph 1.  

Article 11 (Withdrawal and Loss of Membership)  

① If a member wishes to withdraw their membership, they can either call the company’s customer service or request withdrawal online. In this case, the company will promptly process the membership withdrawal and notify the member of the action taken.  

② The company may restrict the member’s use of services or revoke their membership if the member violates these Terms or related laws.  

Chapter 3: Service Use Agreement  

Article 12 (Formation of the Service Use Agreement)  

① Members may apply for service use through the following or similar procedures provided by the company. The company provides information to ensure that users understand the terms accurately and can engage in transactions without errors or misunderstandings before the contract is concluded.  

1.      Viewing and selecting content lists  

2.      Detailed information about the content  

3.      Confirmation of ordered products and payment amounts (including refund policy information)  

4.      Confirmation regarding the application for content use or consent to the company's confirmation  

5.      Confirmation and selection of payment methods  

6.      Reconfirmation of the payment amount    

② The company may refuse or delay acceptance of a member's application for service use in the following cases:  

1.      The application is not made under the member's real name or uses someone else's name.  

2.      False information is provided, or required information is not filled out.  

3.      There is no availability of service-related equipment, or there are technical or operational issues.  

4.      There are circumstances that make it difficult for the company to provide normal services.  

5.      The fees for using paid services have not been paid.  

6.      The amount applied for paid services does not match the deposit amount.  

7.      The application is made for the purpose of disrupting social order or public morals.  

8.      The service is intended for fraudulent purposes.  

③ When a member applies for content (service) use according to Paragraph 1, the company will notify the member as a declaration of acceptance using the method specified in Article 10, Paragraph 1, and the contract will be deemed established when the acceptance notification reaches the member.  

④ The company's declaration of acceptance includes confirmation of the member's application for use, the availability of service provision, and information regarding corrections or cancellations of the application.  

⑤ Even after the company's acceptance notification according to Paragraph 3, if any of the reasons in Paragraph 2, Items 3 through 8 arise, the company may restrict the member's content (service) use until the issue is resolved.  

Article 13 (Company’s Obligations)  

① The company shall faithfully exercise its rights and fulfill its obligations in accordance with applicable laws and the provisions of this agreement.  

② The company shall establish security systems to protect personal information (including credit information) so that members can safely use the service, and shall disclose and comply with its privacy policy.  

③ The company shall take measures to ensure that members can regularly check their content usage history.  

④ If the company recognizes that the opinions or complaints raised by members regarding content use are justified, it shall address them without delay. The company shall inform members of the processing status and results of their opinions or complaints through bulletin boards or electronic mail.  

⑤ The company shall compensate for damages incurred by members due to violations of obligations stipulated in this agreement.  

Article 14 (Member’s Obligations)  

① Members must not engage in the following acts, and if they violate this, the company may restrict the use of all or part of the services for a specified period or terminate the service agreement after a reasonable notice period. However, the company shall grant the member an opportunity to explain during the period of such sanctions, and if the member proves that there was no intent or negligence on their part, the company shall extend the usage period by the duration of the service suspension.  

1. Providing false information or using another person's information (such as ID and personal information) when applying for or changing membership.  

2. Using information (content) obtained through the service for purposes other than the member's use without the company's prior consent, including copying, publishing, or transmitting it, or providing it to third parties.  

3. Changing information posted by the company.  

4. Sending or posting information (such as computer programs) that the company has prohibited.  

5. Infringing upon the copyrights or other intellectual property rights of the company or other third parties.  

6. Damaging the reputation of the company or other third parties or obstructing their business.  

7. Publicly disclosing or posting obscene or violent words, images, sounds, or other information contrary to public morals on the company's site.  

8.Interfering with another user's use of the service or impersonating the company's staff, employees, or related personnel.  

9.Engaging in other illegal or unjust acts.  

② Members must comply with relevant laws, the provisions of this agreement, notices regarding usage instructions, and any other matters notified by the company, and must not engage in any activities that interfere with the company’s operations.  

③ Members may not transfer or grant the right to use the service or any position under the usage agreement to others, nor may they provide it as collateral without the explicit consent or approval of the company.  

④ Members must safely manage their ID and password, and the responsibility for any consequences arising from negligence or unauthorized use lies with the member.  

Article 15 (Payment Methods)  

①   The services provided by the company are limited to institutions with which a contract has been established.  

② Information regarding the construction of services and usage fees for each product will be provided before the contract is concluded. Payment methods for the usage fees can include any of the following methods:  

a. Various account transfers such as phone banking, internet banking, and mail banking.  

b.Online non-account deposit.  

c. Other electronic payment methods.   

③ However, there may be restrictions on payment methods based on the payment method for each product's usage fee.  

Article 16 (Provision and Interruption of Services)  

① The service is provided year-round, 24 hours a day. However, if there are specific service provision policies outlined in individual terms and conditions, those individual terms will apply.  

② The company may temporarily suspend the provision of content services due to maintenance checks, replacements, and malfunctions of information communication facilities such as computers, communication interruptions, or for substantial operational reasons. In such cases, the company will notify the members using the method specified in Article 10. However, if there are unavoidable circumstances that prevent prior notification, the company may provide notice afterward.  

③ If the provision of paid (content) services is temporarily suspended due to the company's fault, the company will compensate the member by extending the service period for the duration of the service interruption. However, the company is not responsible for any service interruptions or disruptions caused by the intentional or negligent actions of a third party.  

④   If the company is unable to provide the service due to reasons such as a change in business type, abandonment of business, or consolidation between companies, it will notify the members using the method specified in Article 10 and process refunds in accordance with this agreement or individual terms.  

⑤ The company may conduct regular inspections as necessary for the provision of services, and the times for these inspections will be announced on the service provision screen.  

⑥ The company may divide the service into specific scopes and designate separate availability times for each scope. In such cases, the details will be announced.  

Article 17 (Member’s Posts and Deletion)  

① The company may immediately delete any posts registered by members that violate this agreement or relevant laws, including the Act on Promotion of Information and Communications Network Utilization and Information Protection, in the following cases. However, in the case of item 10, the company will announce the matter in advance through a notice.  

1. If the content defames or harms the reputation of the company, other members, or third parties.  

2. If the content disseminates information that violates public order or morals.  

3. If the content is recognized as being related to criminal activity.  

4.  If the content infringes on the company's copyright, third-party copyrights, or other rights. 

5. If the content causes disputes by violating laws or infringing on the rights of others.  

6. If the content posts unnecessary or unauthorized advertisements or promotions.  

7. If the content is written using another person’s personal information or impersonates someone, or if it involves unauthorized manipulation of information entered by others. 

8. If the content duplicates the same information multiple times, contrary to the purpose of posting.  

9. If the content is deemed to violate the company's bulletin board operation guidelines.  

10.   If the company determines that there is insufficient capacity in the service equipment.  

② Anyone whose legal rights are infringed due to information posted on the company's bulletin boards can request the company to delete the relevant information or post a rebuttal. In such cases, the company will promptly take the necessary actions and notify the applicant immediately.  

Article 18 (Copyright Ownership, etc.)  

① Copyright and other intellectual property rights for works created by the Company shall belong to the company.  

② Users must not use or allow third parties to use, for commercial purposes, any information that belongs to the Company or the service provider's intellectual property rights obtained through the use of the services provided by the Company, without prior consent from the company or service provider. This includes reproduction, transmission, publication, distribution, broadcasting, and other methods.  

③ Copyright for posts made by users within the service is protected by copyright law. The Company may use users' posts for promotional purposes, but only to a limited extent. However, if a user raises an objection, the Company will cease such use.  

④ Users permit the company to use their posts for the following purposes domestically and internationally. However, in the cases of items 2 and 3, if a user raises an objection, the Company will stop the exhibition and distribution from the time the objection is raised.  

1. Modifying user posts by converting or simplifying them in order to reproduce, transmit, display, distribute, and expose excellent user posts on the service screen.  

2. Displaying and distributing user posts within the service of related sites operated by the Company.  

3. Allowing media and telecommunications companies to report or broadcast the content of user posts for promotional purposes of the Company's services.  

⑤ Notwithstanding the provisions of paragraph 4, if the company intends to use user posts for commercial purposes (e.g., providing posts to third parties for monetary compensation) beyond the purposes listed in paragraph 4, prior consent must be obtained from the respective user. Requests for the use of posts by the Company, user consent, and withdrawal of consent will follow the method requested by the company, such as by phone, email, or fax.  

⑥ The Company may delete a member's posts without separate consent or notification if the member withdraws or loses their membership.  

⑦ The Company may change the posting location of posts without altering the original content due to reasons such as company mergers, business transfers, or consolidation of sites operated by the Company.  

Article 19 (Protection of Personal Information)  

①   The Company strives to protect users' personal information in accordance with relevant laws, such as the Act on Promotion of Information and Communications Network Utilization and Information Protection. The protection and use of personal information are governed by relevant laws and the company’s personal information handling policy.  

② When the Company collects personal information that can identify an individual, it obtains the consent of the respective user. Users may request to view and correct any errors in their personal information held by the company at any time, and the company is obligated to take necessary actions without delay.  

③ The Company may not use information provided by users in their application or information collected under paragraph 1 for purposes other than those consented to by the user, nor may it provide it to third parties. However, exceptions apply in the following cases:  

1. When necessary for statistical purposes, academic research, or market research, in a form that cannot identify specific individuals.  

2.   When necessary for billing related to the provision of services.  

3. When necessary for identity verification to prevent impersonation.   

4. When there are unavoidable reasons required by the provisions of the terms and conditions or by law.  

④  To protect personal information, the company limits the number of administrators to a minimum and is responsible for any damages incurred by users due to loss, theft, leakage, or alteration of personal information.  

⑤ The Company or any third party who has received personal information from the company may use personal information only within the scope consented to by the user, and upon achieving the purpose, shall destroy the personal information without delay.  

Chapter 4: Cancellation of Service Use Agreement and Refund Policy  

Article 20 (Withdrawal of Subscription and Refund)  

Refunds are made according to the service use contract separately concluded between the company and the institution.  

Article 21 (Refund of Overpayment) 

① If an overpayment occurs due to the company's fault, the company will refund the full amount of the overpayment. However, if the overpayment occurs due to the user's fault, the company may deduct reasonable expenses incurred in the refund process from the amount to be refunded.  

② When refunding, the company will refund the total or part of the payment using the same method by which the user made the payment. However, if it is not possible to refund using the same method, the company will notify the user immediately and refund using the method chosen by the user.  

Article 22 (Company’s Termination and Restriction of Use)  

① The Company may terminate the use contract without prior notice or suspend the service for a specified period if a member engages in any of the following actions:  

1. Acts contrary to public order and morals.   

2. Involvement in criminal activities.  

3. Planning or executing service use for the purpose of undermining national interests or public welfare.  

4.  Using another person's ID and password.  

5. Damaging another person's reputation or causing disadvantage.  

6. Registering multiple times under different IDs by the same user.  

7. Causing harm to the service or interfering with its healthy use.  

8. Any other actions that violate relevant laws or the usage conditions set by the company.  

② The cancellation or termination mentioned in paragraph 1 becomes effective when the company expresses its intention to the user using the notification method it has set.  

③ In the case of cancellation or termination of the use contract due to the user's fault, the refund provisions in the individual terms may not be applied.  

④   If the company wishes to impose a usage restriction, it shall notify the affected member of the reason, date, and duration via telephone or other means.  

⑤ However, if the company deems it urgently necessary to suspend usage, it may do so without following the process outlined in the previous paragraph.  

⑥ The Company will immediately lift the usage restriction only if it confirms that the reason for the restriction has been resolved during the period of suspension. If the member has not acted intentionally or negligently, the company may extend the usage period by the duration of the suspension.  

Article 23 (Compensation for Damages Due to Service Defects)  

① In the event of a service interruption or malfunction, the company will notify users of the occurrence within 24 hours from the time of interruption or malfunction. However, this does not include the time during which the service is interrupted or malfunctions due to the user’s responsibility.  

② If the company has provided prior notification regarding the service interruption or malfunction, it will compensate users for their damages as follows. However, for facility inspections and maintenance conducted for service improvement purposes, 24 hours will not be included in the interruption/malfunction time based on a month.  

-  If the service interruption/malfunction time exceeds 10 hours in one month: Extend the usage period for free by 10 hours plus double the time exceeding 10 hours.  

-  If the service interruption/malfunction time does not exceed 10 hours in one month: Extend the usage period for free by the corresponding interruption/malfunction time.  

③ If the Company has not provided prior notification regarding the service interruption or malfunction, it will compensate users for their damages as follows:  

1. If the accumulated service interruption/malfunction time exceeds 72 hours within one month: The user may terminate the contract or request a refund of the remaining usage fee including the unused period, along with compensation for damages (however, the company will not be liable for damages if it proves that it had no intent or negligence).  

2.   In cases of service interruption or malfunction due to the company's responsibility: Extend the usage period for free by three times the interruption/malfunction time.  

3. In cases of service interruption or malfunction due to force majeure or illegal acts by third parties: The user may not terminate the contract, but the usage period will be extended for free by the duration of the interruption or malfunction.  

④ The Company operates a customer service center to receive and manage matters concerning the criteria, scope, method, and procedure for compensating member damages due to defects in paid services.  

⑤ The Company is exempt from liability for the provision of paid services if it cannot provide them due to natural disasters or similar force majeure events.  

⑥ The Company is not responsible for the reliability, accuracy, or other content regarding information, data, or facts posted by members related to paid services.  

Article 24 (Prohibition of Transfer)  

Members may not transfer or donate their service usage rights or any other status under the usage contract to others. All rights and responsibilities, including copyrights to posted materials, belong to the member who posted them.  

Chapter 5: Miscellaneous  

Article 25 (Disclaimer)  

① The Company is exempt from liability for the provision of services in cases of natural disasters or similar force majeure events.  

② The Company is not responsible for service interruptions caused by the user's own fault.  

③ The Company is not liable for the reliability, accuracy, or other content regarding the information, data, or facts posted by members related to service content.  

④ The Company is not responsible for disputes arising between users or between users and third parties facilitated by the service.  

Article 26 (Governing Law and Jurisdiction)  

1. In cases where there are specific terms and conditions (contracts) or notices regarding individual services that differ from these terms, those specific terms shall take precedence over these terms.  

2. For matters not specified in these terms and for the interpretation of these terms, relevant laws and customary practices shall apply.  

Article 27 (Dispute Resolution)  

1. These terms are governed by and interpreted in accordance with the laws of the Republic of Korea.  

2. In the event of a lawsuit arising between the company and the user, it shall be filed in the Seoul Central District Court of the Republic of Korea.  

《Supplementary Provision 》  

These terms will take effect from October 11, 2024. However, for existing members of individual sites, the revised terms will apply after notification of the amendments to the terms of use for each individual site.  

Note on Required and Optional Items 

• Required Items: Information necessary to perform the essential functions of the service. 

• Optional Items: Information collected additionally to provide added value, which does not restrict the use of the service if not provided.