Chapter 1 General Provisions

Article 1 (Purpose)

The purpose of these Terms is to set forth the rights, obligations, and responsibilities of the Company and its membership Members (hereinafter "Members"), as well as the conditions and procedures for using the Service, and other necessary matters, in connection with the Creatorpick creator-searching engine service (hereinafter the "Service") provided by Creator Brandlab Inc. (hereinafter the "Company").

Article 2 (Effect and Amendment of the Terms)

1. The contents of these Terms take effect when the Company posts them on the screen of the site it operates or otherwise notifies Members of them by other means.

2. Where reasonable grounds requiring an amendment of the Terms arise, the Company may amend the contents of these Terms within the scope not in violation of relevant statutes. In such case, the Company shall specify the effective date and the reason for the amendment and post them, together with the current Terms, on the screen of the site it operates seven days prior to the effective date, or provide them to Members by other means; and for existing Members, the Company shall send the effective date and the material parts of the amended contents to their email addresses.

3. However, in the case of an amendment of the Terms that is unfavorable to Members, the Company shall specify the effective date and the reason for the amendment and announce them, together with the current Terms, from 30 days prior to the effective date of the amended Terms until the day before the effective date, and shall, in addition to such announcement, separately and clearly notify Members through electronic means such as email.

4. Where the Company announces or notifies the amended Terms pursuant to the preceding paragraph and has clearly announced or notified that a Member who does not express an intention by the effective date of the amended Terms shall be deemed to have consented, a Member who does not expressly refuse shall be deemed to have consented to the amended Terms.

5. The amended Terms shall apply only to contracts entered into on or after their effective date, and the provisions of the current Terms shall continue to apply to contracts already entered into before that date. Provided, however, that where a User who has already entered into a contract expresses consent to be governed by the provisions of the amended Terms as set forth in Paragraph 4 of this Article, the provisions of the amended Terms shall apply automatically.

Article 3 (Rules Other Than the Terms)

Matters not specified in these Terms shall be governed by the Act on the Regulation of Terms and Conditions, the Content Industry Promotion Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, and other relevant statutes; and in the case of users of paid services, the Act on the Consumer Protection in Electronic Commerce and the paid-use terms shall apply.

Article 4 (Definitions of Terms)

The definitions of the principal terms used in these Terms are as follows.

1. Service: refers to all services on the Internet (including wireless Internet services) provided on Internet sites operated by the Company and elsewhere.

2. User: refers to Members and non-Members who receive the Service provided by the Company.

3. Member: refers to any User who enters into a service use agreement with the Company, is assigned an ID, and uses the Service provided by the Company, and includes the following items.

a. ID: refers to the email address that a Member directly sets (authenticates) for the Member's identification and use of the Service, and which the Company approves and registers. Where a Member applies for use by the simplified sign-up method (a method that links account information from another service), the ID is automatically set to the email address registered with the relevant service. Where the set ID address is in a state in which it cannot be used normally, important notifications such as service announcements or messages between Members may not be delivered, and the responsibility therefor lies entirely with the Member.

b. Password: refers to the combination of letters and numbers determined by a Member in order to confirm that the Member matches the assigned ID and to protect the Member's own confidentiality.

4. Suspension of Use: refers to the Company restricting a Member's use of the Service pursuant to the Terms.

5. Termination: refers to the Company or a Member discontinuing the use agreement.

6. "Content" means data or information under Article 2, Paragraph 1, Item 1 of the Act on Promotion of Information and Communications Network Utilization and Information Protection, and includes all digital analysis materials provided by the Company, such as AI analysis results, channel data, reports, trends, rankings, and insights.

7. "Paid Service" means a Service of the Company, among the Services provided by the Company, that a Member may use when the Member pays the Company a certain amount or accepts the Company's transaction or agreement conditions.

8. "Payment" means paying the Company a certain amount through various payment methods in order to use a Paid Service provided by the Company.

9. The Company may issue, online or offline, use vouchers enabling the use of Paid Services under names such as "Subscription" and "Coupon," and the method of use shall be separately indicated on the "Subscription" or "Coupon" use guide pages, etc.

10. "Device" means a PC, tablet, smartphone, or PMP on which the Content provided by the Company can be used, and includes all digital electronic devices on which the CreatorPick service to be released in the future can be used.

For terms other than those defined in this Article, the relevant statutes and the guidance for each service shall apply.

Chapter 2 Service Use Agreement

Article 1 (Formation of the Use Agreement)

1. A User applies for membership registration by entering Member information in accordance with the sign-up form prescribed by the Company and then expressing an intention to agree to these Terms.

2. The use agreement is formed when a person wishing to register as a Member of the Company agrees to the terms of use and applies for use, and the Company accepts such application.

Article 2 (Application for Use)

1. A person wishing to register as a Member and use the Service shall agree to the contents of the Terms and then apply for use by providing the personal information requested in accordance with the form prescribed by the Company.

2. A Member applies for use by providing the personal information requested in accordance with the form prescribed by the Company on the new-member sign-up screen.

3. The Company may require additional verification procedures only for new applicant Members whose officially recognized identity verification is difficult to obtain online.

Article 3 (Acceptance of the Application for Use)

1. The Company shall accept applications for use in the order received in response to applications under Article 2 (Application for Use), unless there are special circumstances.

2. The Company may restrict acceptance of an application for use in any of the following cases, and may withhold acceptance until the relevant grounds are resolved.

a. Where there is insufficient capacity in the facilities related to the Service

b. Where there is a technical impediment

c. Where the Company otherwise deems it necessary due to its circumstances

3. The Company may decline to accept an application for such a use agreement, without separate notice, where it becomes aware of any of the following.

a. Where the application is made using another person's name

b. Where the necessary matters are falsely entered in the application for use

c. Where the application is made for the purpose of disturbing public peace and order or public morals

d. Where other application requirements prescribed by the Company are not met

e. Where unlawful methods, such as using malicious programs or bugs or exploiting system vulnerabilities, are used on the Service

f. Where the User has previously lost Member qualification under these Terms. However, this shall not apply where the person has been granted the Company's approval for re-registration as a Member after at least one year has elapsed since such loss of qualification.

Article 4 (Protection of Personal Information)

1. The Company complies with the provisions of relevant statutes and its personal information protection policy in order to protect Users' personal information, including User registration information. The Company posts its personal information protection policy on the screen of the site it operates.

2. Personal information that a User voluntarily provides online, such as on bulletin boards, in mail, or in chat, may be collected and used by other persons, and the Company does not bear such risk.

3. Among the services that the Company provides to Users, viewer statistics information based on YouTube-authenticated data may be used. The Company processes only publicly available SNS account information on services such as Instagram, Facebook, Twitter, AfreecaTV, Twitch, and Naver Blog (hereinafter "SNS Platforms"), and complies with relevant statutes and the personal information protection policies of YouTube and each SNS Platform.

Article 5 (Change of Member Information)

1. A Member may, at any time, view and modify their own modifiable personal information through the "Settings" menu.

2. A Member shall modify the relevant information when matters entered at the time of application for use have changed, and the Member is responsible for any problems arising from failure to change Member information.

Article 6 (Assignment and Change of Nicknames)

1. The Company assigns a Member nickname to a Member in accordance with the Terms.

2. The Company may request a Member to change the Member's nickname in any of the following cases.

a. Where the Member nickname is registered as the Member's contact information, etc., raising concerns about invasion of privacy

b. Where it is deemed to be offensive to others or harmful to adolescents and children

c. Where, unavoidably, nicknames among Members overlap due to integration with other sites, etc.

d. Where the nickname is contrary to the protection of Member information and the smooth provision of the Service, such as a nickname containing special characters

e. Where there is other reasonable cause

3. Where a Member has created multiple IDs, the Company may notify the Member thereof and delete IDs other than the representative ID selected by the Member.

Article 7 (Notice to Members)

When the Company gives notice to a Member, unless otherwise provided in these Terms, it shall give notice in the same manner as set forth in Article 2, Paragraphs 2 and 3. However, in the case of notice to all Members, the Company may substitute posting on the screen of the site it operates for at least seven days for such notice.

Chapter 3 Obligations of the Contracting Parties

Article 1 (Obligations of the Company)

1. Unless there are special circumstances, the Company shall enable a Member to use the Service on the day the Member applies to use the Service. However, in the case of Paid Services, use becomes available after payment is completed.

2. The Company shall continuously strive to provide the Service continuously and stably as prescribed in these Terms, and shall, without delay, repair or restore facilities when they break down or are lost. However, in the case of a natural disaster, emergency, or other unavoidable circumstance, the Company may suspend the Service.

3. Where the Company recognizes as legitimate any opinion or complaint raised by a Member through prescribed procedures, it shall handle the matter through appropriate procedures. Where the handling requires a certain period of time, the Company shall notify the Member of the reason and the handling schedule through a bulletin board, email address, or other means.

4. The Company complies with the contents set forth in Chapter 2, Article 4 with respect to the protection of Members' personal information.

5. The Company collects data in a proper manner in accordance with the respective policies of YouTube or the SNS Platforms and relevant statutes, and takes immediate action upon any related notice.

6. Where a party holding rights to the data requests modification or deletion on justifiable grounds, the Company shall modify or delete the relevant data.

Article 2 (Obligations of Members)

1. Members shall comply with the matters prescribed in these Terms and the matters announced by the Company through the use guide, announcements, etc., and shall not engage in any act that interferes with the Company's business.

2. All responsibility for managing a Member's ID and password lies with the Member. The Member is responsible for all consequences arising from negligent management or unauthorized use of the ID and password assigned to the Member.

3. Where a Member discovers that the Member's ID or password has been used without authorization, the Member shall immediately report this to the Company, and the Member is responsible for all consequences arising from failure to make such a report.

4. A Member may not engage in business activities using the Service without the Company's prior approval, and the Company is not responsible for the results of such business activities or for results arising from business activities conducted by the Member in violation of the Terms. Where the Company suffers damage due to such business activities, the Member bears the obligation to compensate the Company for the damage.

5. A Member may not use the Content provided by the Company beyond the scope of private use, such as for public reproduction to the public at public places, profit-making business premises, stores, etc.

6. Unless expressly consented to by the Company, a Member may not transfer or gift to another person the right to use the Service or any other status under the use agreement, nor provide it as security.

7. A Member shall not engage in any of the following acts in connection with the use of the Service.

a. The act of stealing another person's ID, password, etc.

b. The act of reproducing information obtained through this Service for purposes other than the Member's use, or using it for publication, broadcasting, etc., or providing it to a third party, without the Company's prior approval

c. The act of posting content that infringes patents, trademarks, trade secrets, copyrights, or other intellectual property rights, or distributing such content to others by email or other means

d. The act of transmitting, posting, or distributing to others by email or other means information, text, figures, etc., of a vulgar or obscene nature that violates public order and public morals

e. The act of transmitting, posting, or distributing to others by email or other means content that is insulting or threatening and may infringe another person's personal information

f. Acts objectively determined to be connected with a crime

g. The act of collecting or storing other Users' personal information without the Company's approval

h. Other acts in violation of relevant statutes

i. A single account must connect with only one session at a time.

8. YouTube Terms of Service

a. All users of Cpick are deemed to comply with the YouTube Terms of Service. The detailed YouTube Terms of Service can be found at https://www.youtube.com/t/terms?hl=ko.

9. A Member may use Content such as data, reports, and AI analysis results provided by the Company only for personal and non-commercial purposes, and may not reproduce, process, distribute, or disclose it, or collect or extract it by automated means, without the Company's prior written consent.

10. A Member may not share their account with a third party or use the Service by connecting from multiple devices simultaneously. Where such acts are confirmed, the Company may restrict or terminate the use of the relevant account without prior notice.

Chapter 4 Use of the Service

Article 1 (Provision of Information)

1. "Advertising information for commercial purposes" includes "information deemed necessary during use of the Service" and "information for the provision of service benefits" that the Company wishes to provide to Members.

2. A Member may refuse at any time by "treating the email as spam." In such case, the Company shall exclude the relevant Member from the recipients of information, and even if a disadvantage in service use arises for the relevant Member as a result, the Company is not responsible for this.

Article 2 (Members' Postings, etc.)

1. The Company may delete, without prior notice, content within the Service that a Member posts or registers where it is determined to fall under any of the following.

a. Where the content slanders or damages the reputation of another Member or a third party

b. Where the content violates public order and public morals

c. Where the content is recognized as being connected with criminal acts

d. Where the content infringes the copyright of the Company, the copyright of a third party, or other rights

e. Where the content exceeds the posting period or capacity prescribed by the Company

f. Where a Member posts obscene material on a bulletin board or links to an obscene site

g. In the case of a posting that does not conform to the nature of the bulletin board

h. Where it is otherwise determined to violate relevant statutes

2. Where unavoidable due to the Company's circumstances, the Company may take temporary measures such as suspending the posting of or deleting a Member's postings or registered content.

Article 3 (Copyright of Postings)

1. The rights to and responsibility for a posting lie with the Member who posted it, and the Company may not use it for commercial purposes other than the Service without the Member's consent. However, this shall not apply in non-commercial cases, and the Company also holds the right to publish and edit within the Service for compliance with relevant statutes.

2. The copyright of works created by the Company and posted on the site or the Service belongs to the Company.

3. A Member may not process or sell information obtained by using the Service.

4. Where a Member withdraws or is terminated for legitimate reasons, the Company may delete the postings that the Member had posted.

5. The Company bears no responsibility whatsoever even if a posting made by a Member violates another person's copyright or other statutes.

Article 4 (Advertising Placement and Transactions with Advertisers)

1. The Company may place various information or advertisements on service screens, the homepage, email, etc., in connection with the operation of the Service.

2. A person wishing to use the Service is deemed to consent to the placement of advertisements displayed when using the Service. However, a Member who receives an email containing an advertisement may refuse to receive it from the Company.

3. The results of a Member's participation in, communication with, or transactions arising from advertisements placed on this Service or an advertiser's promotional activities through this Service are a matter between the Member and the advertiser, and the Company bears no responsibility whatsoever in connection therewith.

Article 5 (Service Use Hours)

1. In principle, use of the Service is available 24 hours a day, year-round, unless there is a special operational or technical impediment for the Company. However, days or times prescribed by the Company for necessities such as regular maintenance are exceptions.

2. The Company may divide the Service into certain ranges and separately set the available hours for each range. In such case, the Company shall notify the contents thereof in advance through an announcement.

Article 6 (Responsibility for Service Use)

A Member may not conduct business activities selling goods using the Service provided by the Company, and in particular may not engage in hacking, money-making advertising, commercial acts through obscene sites, etc., or unlawful distribution of commercial software. The Company is not responsible for the results and losses of business activities arising in breach of this, or for legal measures such as punishment by relevant authorities.

Article 7 (Suspension of Service Provision, etc.)

1. The Company may suspend the provision of the Service in any of the following cases.

a. Where unavoidable due to construction such as maintenance of service facilities

b. Where a key communications service provider prescribed in the Telecommunications Business Act has suspended its telecommunications services

c. Where there is other force majeure

2. The Company may restrict or suspend all or part of the Service when there is an impediment to normal service use due to a national emergency, a power outage, a failure of service facilities, or a surge in service use, etc.

3. Where the Company restricts or suspends use of the Service pursuant to the provisions of Paragraphs 1 and 2, it shall inform Members of the reason and the restriction period, etc., through an announcement.

4. The Company may change or discontinue all or part of the Service it provides only where there is substantial reason in accordance with operational, legal, or technical necessity.

Article 8 (Terms for Each Service)

For the use of the Service, separate terms (or announcements) other than the Company's terms of use may exist, and where the contents of the separate terms and the Company's terms of use conflict, the terms most closely related to the relevant service shall take precedence.

Article 9 (Special Provisions Applicable to Users Outside Korea)

While the Company strives to form a global service to which consistent standards apply to everyone, it also strives at the same time to comply with the local laws of each region. The following provisions apply to Members who interact with the Company outside Korea.

a. Members must consent to their personal data being transmitted to and processed within Korea.

b. Users located in countries to which Korea prohibits exports or that are listed on Korea's specially designated nationals list may not engage in commercial activities (e.g., advertising or payment) with the Company or use the Service.

Article 10 (Use of and Contract for Paid Services)

1. The use agreement for a Paid Service operated by the Company is formed when a Member who has agreed to these Terms applies to use a Paid Service and the Company accepts such application.

2. Before payment for a Paid Service, the Company provides information regarding the following items so that the Member can accurately understand and transact without mistake or error.

a. Confirmation of information for each product

b. Clicking "Purchase"

c. Confirmation of the product to be purchased and the payment amount (with guidance on the refund policy)

d. Entry of payment information

e. Payment

3. A Member may use Paid Services with the payment methods designated by the Company, and may use Paid Services using "Subscriptions," "Coupons," etc., issued through various promotions, events, etc.

4. The Company may set transaction limits, such as the cumulative monthly payment amount and payment limit per Member, with respect to the transaction amounts of Members using Paid Services, in accordance with internal policies and changes by external payment companies (PG companies, banks, card companies, etc.) and other relevant statutes. Where a Member wishes to use Paid Services in a scope exceeding the transaction limit set by the Company, additional use of the Paid Services may be impossible due to the exceeding of the transaction limit.

5. The Company may decline or withhold acceptance of a Member's application to use Paid Services in any of the following cases.

a. Where another person's name is used

b. Where false information is entered, or the required contents presented by the Company are not entered

c. Where a minor wishes to use Content prohibited from use under the Juvenile Protection Act

d. Where there is insufficient capacity in the facilities related to the Service, or there is a technical or operational problem

6. The Company's acceptance is delivered to the Member through mail, an announcement, etc., including confirmation of the application for use, information on whether service provision is available, and information on the correction or cancellation of the application for use, and the use agreement for the Paid Service is deemed to be formed at the time of its arrival.

7. Fees according to the amount of data when using Content products are not charged separately by the Company but are charged by the mobile carrier that the Member subscribes to.

8. Where Paid Service products are used in duplicate, the duplicate use of some products may not be possible.

9. The enterprise solution is based on monthly advance payment as a default. The Service begins immediately upon the first payment being processed, and the amount specified in the annual contract plus tax is aggregated and charged each month. Where payment for the following month's fee has not been processed by the time the payment date has passed, the Service may be temporarily suspended.

10. The one-year commitment cost is the total of the installments paid each month during the commitment period, and the contract automatically renews at the price as of the annual renewal date (excluding tax) unless cancelled. Each party has the right to terminate the contract term up to 30 days before the contract term ends, and must make such request in writing.

11. The annual payment cost is the total of the installments paid each month during the commitment period.

12. Where additional service development proceeds during the use of the Service according to the needs and requests of the receiving company, additional costs may be incurred. However, the Company shall announce in advance the matters concerning the incurrence of costs.

13. The following cases are excluded from refunds.

a. Where Paid Services and API Quota are provided free of charge using payment methods such as events or coupons

b. Where Paid Services and API Quota are provided unlawfully, such as through payment misappropriation

c. Where Paid Services and API Quota are provided abnormally due to reasons such as bugs or system failures

d. Where Paid Services and API Quota are provided by a third party in a partnership relationship with the Company through partnership events, etc.

e. Cash refunds are not possible upon refund of Paid Service and API Quota products paid for with credit card points

Article 11 (Recurring Subscription Service)

1. The "Recurring Subscription Service" is a Paid Service that enables a Member to use the prescribed Content during the use period.

2. For the "Recurring Subscription Service," the usage fee for the Member's tier is automatically charged on the "Recurring Subscription Service" renewal date until the Member cancels. The Member authorizes the Company to store the Member's payment method and to automatically charge your payment method until the Member cancels.

3. In the case of Content for which the number of available uses is limited during the "Recurring Subscription Service" use period, where the Member has not used it up to the limited number of times, the remaining uses are neither carried over nor refunded.

4. Where the use of the "Recurring Subscription Service" is terminated for reasons such as the Member not paying the usage fee for the "Recurring Subscription Service" or cancelling the "Recurring Subscription Service," the features provided only to "Recurring Subscription Service" Members are no longer valid, and features appropriate to the Member tier set after termination are provided. At this time, features may be restricted through the method prescribed by the Company.

5. Where the use of the "Recurring Subscription Service" is terminated, the Content information registered by the Member is retained for a certain period from the time of termination and then permanently deleted, and recovery is not possible.

6. API Quota can be used for one year after purchase. After one year has elapsed from purchase, the relevant Quota is automatically extinguished and can no longer be used.

Article 12 (Placement of Advertisements)

1. The Company may place advertisements using Member information and information entered by customers in connection with the operation of the Service. Members consent to the placement of customized advertisements displayed when using the Service.

2. The Company is not responsible for losses and damages arising from a Member's participation in, communication with, or transactions arising from an advertiser's promotional activities placed on the Service or conducted through the Service.

Article 13 (Provisions Limiting Liability for AI and Data)

① AI analysis results, data, reports, etc., provided by the Company are reference information, and the Company does not guarantee their accuracy, completeness, or timeliness.

② Results may vary depending on AI model changes, data errors, external factors, etc., and the Company does not bear liability for damages on such grounds.

③ The Company collects and provides data through third-party APIs such as YouTube, and the Service may be temporarily or permanently restricted due to such third party's policy changes, restrictions, suspensions, etc.

④ The Company is not responsible for the inability to provide data due to a third party's policy change or service suspension.

⑤ The Company shall announce such matters to Users without delay when such grounds arise.

Article 14 (Notice Concerning Serious Warnings and Technical Measures)

1. Members and other service Users may not use the Service by means not provided by the Company (macro programs, spiders, scrapers, spyware, etc.), or attempt any acts such as system access or attempts to extract software source code.

2. The Company may restrict the use of the Service through serious user warnings and technical measures against access to the Service by Members or other service Users in an abnormal manner, such as by automated means.

Chapter 5 Termination of the Agreement and Restriction of Use

Article 1 (Termination of the Agreement and Restriction of Use)

1. Where a Member wishes to terminate the use agreement, the Member shall apply to the Company for Member withdrawal in person on the site or by telephone or email.

2. The Company may terminate the use agreement without prior notice, or suspend service use for a fixed period, where a Member has engaged in any of the following acts.

a. Where the Member has stolen another person's personal information, ID, or password

b. Where the Member has committed an act that damages another person's reputation or causes disadvantage

c. Where the Member infringes the intellectual property rights of the Company, another Member, or a third party

d. Where the Member has intentionally distributed content detrimental to public order and public morals

e. Where the Member plans or carries out use of the Service for the purpose of undermining the national interest or social public interest

f. Where the Member has intentionally interfered with the operation of the Service

g. Where the Member transmits a large volume of information or transmits advertising information for the purpose of interfering with the stable operation of the Service

h. Where the Member distributes computer virus programs, etc., that cause malfunction of information and communications facilities or destruction of information

i. Where there is a corrective request from an external authority such as the Korea Communications Commission or the Ministry of Science, ICT and Future Planning, or where an authoritative interpretation has been received from the National Election Commission in connection with illegal election campaigning

j. Where the Member reproduces, distributes, or commercially uses information obtained by using the Company's Service without the Company's prior approval

k. Where the Member posts obscene material on a bulletin board or links to an obscene site

l. Where the Member violates these Terms, including the copyright/posting policies, or other use conditions prescribed by the Company

m. Where there is no record of the Member having logged in to use the Service for one or more consecutive years after membership registration. However, in this case, the Company may give the Member prior notice of termination of the use agreement and allow the Member to choose whether to maintain the use agreement.

3. Where the use agreement with a Member is terminated, the Member's personal information shall be immediately destroyed, except in the following cases.

a. Where exceptional retention is required under relevant statutes

b. Where the information is retained for 30 days for customer counseling and prevention of additional harm to the Member

4. API Use Restrictions

Where a Member violates the API use restrictions specified in this Article, the Company may immediately terminate the contract or restrict use of the API service without prior notice. In addition, where a violation occurs, the Company may take legal measures or claim damages.

a. Restriction on Data Use

A Member is permitted to store and process data supplied through the API internally. The act of providing the original data or processed data thereof to a third party, whether for consideration or free of charge, is restricted. Where the Company's prior written permission is obtained, data may be provided to a third party within a limited scope agreed between the Member and the Company.

b. Protection of Intellectual Property Rights and Copyrights

A Member may receive data supply through the API on a non-exclusive basis. However, the intellectual property rights to all internal code, programs, technology, know-how, materials, etc., inherent in the API and the data belong exclusively to the Company. A Member shall not infringe the Company's copyrights related to the API or the data, and is prohibited from creating derivative works based thereon or conducting commercial activities.

c. Prohibition of Reverse Engineering and Tampering

A Member may not reverse-engineer, decode, decompile, analyze, derive source code from, alter, convert, transform, or modify the API and the data, or merge them with other software. In addition, a Member may not circumvent the security features of the data or the API, or disassemble, translate, redistribute, publish, sell, rent, lease, resell, pledge, provide as security, transfer, alter, modify, or expand them.

Article 2 (Cancellation and Termination Concerning the Use of Paid Services)

1. A "User" may cancel or terminate the Paid Service use agreement in accordance with the [Refund Policy] prescribed by the Company, within the scope prescribed by relevant statutes such as the Act on the Consumer Protection in Electronic Commerce.

2. Specific matters such as whether a Paid Service is refundable, grounds for restricting withdrawal of subscription, termination procedures, and the criteria for imposing penalties shall be governed by a separate [Refund Policy].

3. Where a "Member" or the "Company" terminates the use agreement, the retention and destruction of personal information shall be governed by relevant statutes and the personal information processing policy.

4. The Company may terminate the use agreement after prior notice where there are any of the following grounds, such as a Member's violation of the Terms, interference with the Service, or improper use.

a. Infringement of the rights and interests of another person or the Company, or an act in violation of statutes

b. Acts interfering with service operation, such as habitual and malicious refund requests or objections

c. Violation of the Company's safe-transaction use rules or acts interfering with business

5. The Company informs Members of the termination notice by email, telephone, etc., and the contract ends at the time of notice.

6. The party at fault bears responsibility for damages arising from the termination of the contract.

Article 3 (Withdrawal of Subscription)

1. The Company shall refund by the same method as the Payment within seven business days from the date on which a Member expresses an intention to withdraw subscription or terminate the contract.

2. Details such as the period during which withdrawal of subscription is possible, the method of calculating the refund amount, and whether a penalty is deducted shall be governed by the [Refund Policy].

3. The time required for refunds for each payment method, such as credit card payment cancellation and account refund, may vary depending on the payment company's policy.

4. Where normal use of paid features is impossible due to reasons attributable to the Company, such as a system failure, the Company shall cancel the payment or compensate with a service of equal value.

5. The Company does not claim a penalty or damages due to a Member's withdrawal of subscription. However, for fixed-term products, the penalty prescribed in the Refund Policy may be imposed.

Chapter 6 Damages and Other Matters

Article 1 (Damages)

The Company is not responsible for any damage incurred by a Member in connection with the use of the Service, in the absence of intent or gross negligence.

Article 2 (Disclaimer)

1. Where the Company is unable to provide the Service due to a natural disaster or force majeure equivalent thereto, the Company is exempted from responsibility for the provision of the Service.

2. The Company is not responsible for impediments to service use due to reasons attributable to a Member.

3. The Company is not responsible for a Member's loss of expected profits from using the Service or for damages caused by materials obtained through the Service.

4. The Company is not responsible for the contents, such as the reliability and accuracy, of information, materials, and facts that a Member posts on the Service.

5. The Company is not responsible, among damages incurred by a subscriber in connection with the use of the Service, for damages caused by the subscriber's intent or negligence.

6. The Company does not bear civil or criminal liability even if information that a Member posts within the Service infringes another person's copyright, program copyright, etc.

7. Detailed policies such as refunds, receipt of marketing information, and personal information processing shall be governed by the Company's individual policies operated separately from these Terms (the "Refund Policy" and the "Marketing Consent Guide").

Article 3 (Competent Court)

1. In the case of a Member residing in Korea, where a lawsuit is filed regarding a dispute arising from the use of the Service, the district court having jurisdiction over the Member's address shall be the competent court. However, where the Member has no address, or where the Member's address is outside Korea, the district court nearest to the Company's address shall be the competent court.