Terms of Service

Article 1 【Purpose and Definition】

These terms and conditions aim to regulate the rights, duties, and responsibilities of the company and the service, and other necessary matters regarding the use of the basic income service provided by Xpike Group Co., Ltd. (hereinafter referred to as the “Company”) through mobile devices, etc. (hereinafter referred to as “mobile devices,” as separately defined below).

Article 2 【Definition of Terms】

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

• “Basic Income Service” (hereinafter, “Service”) refers to the entire set of services, such as lottery QR and lottery community, provided digitally by the Company for members to use within the basic income app through mobile devices, etc.
• “Basic Income Application” (hereinafter “App”) refers to a dedicated application that can be accessed through mobile devices, etc. to use the services provided by the Company.
• “Company” means the business operator that provides services through mobile devices, etc.
• “Member” means a person who applies for service membership according to these terms and conditions and uses the services provided by the Company after receiving the Company's approval.
• “PIN Number” refers to a member authentication password used to prevent fraudulent use and unauthorized access to the service, which is a service password (6 digits) set separately by the member through a Kakao Klip (Klip) account for service use.
• “Mobile Device” means a device on which content can be downloaded or installed and used, including PCs, mobile phones, smartphones, personal digital assistants (PDAs), tablets, and various other digital devices.
• “XE” is an abbreviation for ‘XPIKE Token’ and refers to a token used as a reward for participating in lottery QR scans and watching advertisements in the service.
• “Lottery” refers to “Lotto 6/45”, “Pension Lottery 720+”, “Electronic Lottery”, and “Instant Print Lottery” issued by the Lottery Commission and the lottery trustee designated by the Lottery Commission in accordance with Article 4 of the Lottery and Lottery Fund Act. Here, “Electronic Lottery” refers to a lottery through games sold by Donghaeng Lottery Co., Ltd. at https://dhlottery.co.kr/common.do?method=main, and “Instant Print Lottery” refers to a printed lottery sold at offline stores.
• “Lottery Receipt” refers to a losing receipt for a lottery purchased by a member, which is recognized by the lottery QR scan, after which the member watches an advertisement and the Company pays XE tokens as a reward.
• “Kakao Klip” refers to the digital wallet service provided by Ground X Co., Ltd.

Article 3 【Posting and Effect of Terms and Conditions】

• The Company posts the content of these terms and conditions within the service or on its connection screen or on the initial screen of the app (hereinafter referred to as the “Website”) so that members can be aware of them. In this case, important contents of these terms and conditions, such as service interruption, withdrawal, refund, contract cancellation/termination, and the Company's disclaimers, are clearly marked with bold letters, colors, symbols, etc., or processed in a way that is easy for members to recognize through a separate connection screen.
• The terms and conditions take effect when a member who has agreed to them signs up for the service.

Article 4 【Amendment of Terms and Conditions】

• The Company may amend these terms and conditions when it deems necessary. If the Company amends the terms and conditions, it will announce the effective date and the changes in the same way as in Article 3, Paragraph 1, from 7 days before the effective date to the effective date. However, if the amendment is unfavorable to the member or is a material change related to the service, it will be announced at least 30 days before the effective date, and otherwise, the amendment will take effect 30 days after the announcement.
• If the Company, in accordance with the preceding paragraph, clearly notifies the member that if they do not express their refusal by the effective date of the amended terms and conditions, they will be deemed to have agreed to the amendment, and the member does not explicitly express their refusal, the member is deemed to have agreed to the amended terms and conditions.
• If a member expresses their intention not to agree to the amended terms and conditions, the Company cannot apply the content of the amended terms and conditions, and in this case, the member may terminate the user agreement. The Company may terminate the user agreement with a member who does not agree to the amended terms and conditions, and the member may not use the service from the effective date of the amended terms and conditions.
• The Company may amend these terms and conditions to the extent that it does not violate relevant laws such as the Act on Consumer Protection in Electronic Commerce, etc., the Act on the Regulation of Terms and Conditions, the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc., the Content Industry Promotion Act, and the Consumer Basic Act.

Article 5 【Interpretation of Terms and Conditions and Rules Other Than Terms and Conditions】

• In addition to these terms and conditions, the Company may establish separate operating policies for matters necessary to apply the terms and conditions.
• If a separate operating policy conflicts with these terms and conditions, the separate operating policy shall take precedence.
• Matters not stipulated in these terms and conditions and the interpretation of the terms and conditions shall be in accordance with relevant laws or commercial practices such as the Act on Consumer Protection in Electronic Commerce, etc., the Act on the Regulation of Terms and Conditions, and the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc.
• The Company may, if necessary, establish and operate individual operating policies for individual services and may announce the relevant content through the Website and mobile devices, etc.

Article 6 【Operating Policy】

• The Company may establish operating policies for matters necessary to apply the terms and conditions and matters delegated by the terms and conditions with a specific scope.
• The procedure of Article 4, Paragraph 2 shall be followed when amending the operating policy. However, if the amendment to the operating policy falls under any of the following subparagraphs, it will be announced by posting it on the service or its connection screen before application.
  1. When changing matters delegated by the terms and conditions with a specific scope
  2. When amending matters not related to the rights and obligations of the member
  3. When amending the operating policy within a range that is not fundamentally different from the content stipulated in the terms and conditions and is predictable by the member

Article 7 【Provision of Company Information, etc.】

The Company shall display the following items within the service in a way that is easy for members to see. However, the privacy policy and terms and conditions may be made available for members to view through a connection screen.

• Company name and name of representative
• Address of the business office (including the address of the place where member complaints can be handled)
• Phone number, email address
• Business registration number
• Privacy Policy
• Terms of Service

Article 8 【Establishment of User Agreement】

• The service user agreement between the Company and the member is established when a person who wishes to become a member (hereinafter referred to as the “applicant”) fills in the member information according to the subscription form set by the Company, expresses their intention to agree to these terms and conditions and the guidance on the collection and use of personal information, and then the Company approves this.
• If the applicant clicks the “Agree” button for these terms and conditions and the guidance on the collection and use of personal information, it is deemed that they have agreed.
• The Company may request real-name verification and identity authentication from the applicant according to the identity verification procedure set by the Company.
• The member is solely responsible for the management of the authentication number, including the PIN number. The member must not lend or transfer their authentication number information to a third party or engage in similar acts, and the member is responsible for all responsibilities arising from negligent management.
• The Company is not obligated to continuously provide the same service as the service provided at the time of the conclusion of the user agreement due to the conclusion of the user agreement in accordance with Paragraph 1. After the conclusion of the user agreement in accordance with Paragraph 1, the Company may add, modify, or delete the content of the service, add restrictions related to the service, or temporarily or permanently suspend the provision of the service.

Article 9 【Restriction on Approval of User Application】

• The Company, in principle, approves the applicant's subscription application. However, the Company may refuse to approve a user application that falls under any of the following subparagraphs.
  1. If service provision is technically impossible
  2. If the applicant provides false information, such as using a name other than their real name or using someone else's name, when filling out the subscription application
  3. If the applicant omits or makes an error in the required information in the subscription application
  4. If the applicant is under 19 years of age
  5. If the applicant intends to use the service for a separate business purpose
  6. If the applicant intends to use the service for illegal or improper purposes such as money laundering (the Company may request the provision of additional information or the purpose of use in accordance with relevant laws if there is suspicion in the transaction or purpose of use)
  7. If the application is for a purpose that violates relevant laws or harms public peace and order or good morals
  8. If the applicant has lost their membership due to withdrawal or termination of the contract by the Company due to the applicant's fault
  9. If a person who has received a service use suspension measure from the Company voluntarily terminates the user agreement during the measure period and applies for re-use
  10. If there are other reasons equivalent to each subparagraph and approval is deemed inappropriate
• The Company may withhold approval until the reason is resolved if it falls under any of the following subparagraphs.
  1. If there is no room in the Company's facilities, support for a specific mobile device is difficult, or there is a technical problem
  2. If there are other reasons equivalent to each subparagraph and it is deemed difficult to approve the user application

Article 10 【Use of Kakao Klip】

• The member must install the Kakao application on their mobile device to use the service.
• The member's Kakao account and Kakao Klip account must be accounts of the same person, have the same input information, and be linked to each other.
• The member's Kakao account must not be locked, blocked, or dormant.

Article 11 【Use of Google Account】

• The member must have a Google account saved on their mobile device to use the service.
• The member's Google account must not be locked, blocked, or dormant.

Article 11 【Company's Obligations】

• The Company strives to provide continuous and stable services as stipulated in these terms and conditions.
• The Company must have a security system to protect personal information (including credit information) so that members can use the service safely, and must announce and comply with the privacy policy. The Company will not leak or distribute the member's personal information that it becomes aware of in connection with the provision of the service to a third party. However, this is not the case if there is a legal procedure in accordance with relevant laws.
• If a member's complaint related to the service is received through the customer center, the Company must handle it promptly, and the result of the handling will be notified to the member through the bulletin board or email. If prompt handling is difficult, the reason and handling schedule will be notified to the member.
• If there is a failure in the equipment or data is lost or damaged during service improvement, the Company will do its best to repair or restore it without delay, unless there is an unavoidable reason such as a natural disaster, emergency, or a failure or defect that cannot be resolved with current technology.
• The Company complies with the laws and regulations related to the operation and maintenance of the service.

Article 12 【Member's Obligations】

• The member must comply with the provisions of these terms and conditions, relevant laws, and precautions announced by the Company on the service, and must not engage in any other acts that interfere with the Company's business or service.
• The member must not engage in the following acts in connection with the use of the service. If the member engages in the following acts, the Company may restrict the use of some or all of the member's service, terminate the service user agreement, delete the account, and if damage occurs to the Company, claim damages and impose sanctions including civil and criminal measures.
  1. Acts of providing false information when applying for membership or changing member information, and acts of performing identity verification in another person's name, and acts of the actual user performing authentication without the permission of the mobile phone holder.
  2. Acts of stealing and illegally using another member's account and PIN number.
  3. Acts of illegally collecting, storing, posting, or distributing another member's personal information.
  4. Acts of distributing information that reveals or can reveal one's own or another's personal information, location, etc. within the service.
  5. Acts of pretending to be a company employee or operator or using another person's name to post articles or send emails.
  6. Acts of causing confusion to other members by pretending to be someone else or falsely stating a relationship with someone else.
  7. When selecting a nickname or other name used within the service, the member uses content that falls under the following subparagraphs:
     • A name that impersonates or is similar to the official operator of the service provided by the Company.
     • A name that may infringe on the rights of a third party, such as trademark rights or copyrights.
     • A name that may leak personal information such as a resident registration number or phone number, or invade privacy.
     • Cases where it violates relevant laws or there is a reasonable reason to protect other members.
  8. Acts of gambling or inducing such acts, exchanging or posting obscene or vulgar information, or posting links to obscene sites, and acts of transmitting or distributing words, sounds, texts, pictures, photos, or videos that cause shame, disgust, or fear to others, thereby using the service in an unhealthy manner.
  9. Acts of continuously uploading words set as prohibited words according to the Company's operating policy in the form of pictures, photos, or video files within the service, or repeatedly using words similar to prohibited words with the meaning of prohibited words.
  10. Acts of using the service for purposes other than its original purpose, such as for profit, business, advertising, promotion, political activities, or election campaigns, without prior written consent for the service.
  11. Acts of copying, distributing, publishing, broadcasting, promoting specific acts, or commercially using information obtained by using the Company's service without the Company's prior written consent.
  12. Acts of interfering with the stable operation of the service by transmitting a large amount of information for the purpose of manipulating advertising views or other improper purposes.
  13. Acts of distributing false information for the purpose of giving property benefits to oneself or others or causing damage to others.
  14. Acts of repeatedly withdrawing from membership, re-subscribing, etc., or receiving XE in an abnormal way not determined by the Company.
  15. Acts of using the service by exploiting known or unknown bugs.
  16. Acts of deceiving others to gain benefits, and acts of causing damage to others in connection with the use of the Company's service.
  17. Acts of infringing on the intellectual property rights, portrait rights, or other rights of the Company or others, acts of defaming or causing damage to others, and acts of harassing or threatening others or causing them pain or inconvenience.
  18. Acts of intentionally transmitting, posting, distributing, or using information prohibited from being transmitted or posted by law (including computer programs) or viruses, computer codes, files, or programs designed to interfere with or destroy the normal operation of computer software, hardware, or telecommunications equipment.
  19. Acts of changing the app, adding or inserting other programs to the app, etc., hacking or reverse engineering the server, leaking or changing the source code or app data, building a separate server, or arbitrarily changing or stealing part of the website to impersonate the Company without special rights granted by the Company.
  20. Any act that changes the usage method or planning intention of the service program provided by the Company or abnormally harms or intentionally interferes with the service.
  21. Acts of interfering with, damaging, or deleting the transmission of posts, videos, or other advertisements of the Company or other users.
  22. Acts of using, distributing, encouraging the use of, or advertising software or hardware that interferes with the content of the service without authority by using software or hardware without the Company's permission.
  23. Acts that violate relevant laws, acts that violate all regulations or terms of use set by the Company, including these terms and conditions, and other acts that are contrary to good customs or other social norms.
• The member is responsible for managing authentication information, etc., and the member is responsible for all responsibilities arising from negligent management or illegal use of authentication information, etc.
• If the member has their authentication information stolen or becomes aware that a third party is using it, they must immediately take measures such as changing the authentication information, and at the same time, notify the Company and follow the Company's guidance if there is any.
• Regarding the decrease in the value of the member's assets that may occur due to the change in the value of XE tokens after acquiring them, the Company has no obligation to compensate, notwithstanding the provisions on damages stipulated in these terms and conditions.

Article 13【Member's Contract Termination, Request for Use Suspension, etc.】

• The member may apply for termination of the service user agreement (or withdrawal from membership) at any time through the account management menu within the service, and the Company will process this immediately.
• Upon termination, the member's personal information will be destroyed in accordance with the Company's privacy policy.
• The member may request suspension of service use through a prescribed procedure such as email notification.

Article 14 【Company's Contract Termination and Restriction on Service Use for Members】

• If there is a reason that falls under any of the following subparagraphs, the Company may terminate the service user agreement or restrict the use of the service for a certain period or permanently after prior notification to the member or all members. However, if the member has died, the contract may be terminated without prior notification.
  1. In case of consecutive PIN number input errors
  2. In case of hacking and accidents
  3. If it is recognized that there is a legitimate reason that a specific account has been hacked or stolen
  4. If a national agency requests service restriction in accordance with relevant laws
  5. If the user who has registered as a member is under 19 years of age
  6. If it is difficult to provide the service due to amendments to relevant laws or supervisory regulations, guidelines of supervisory agencies, or the Company's terms and conditions and guidelines
  7. If the member violates their obligations under Article 11
• If the use restriction in Paragraph 1 is legitimate, the Company will not compensate for the damage suffered by the member due to the use restriction (including changes in the value of XE during the use restriction period).
• The Company may restrict the use of the service for the corresponding account only until the investigation is completed in the following cases.
  1. If a legitimate report is received that the account has been hacked or stolen
  2. If suspected of being an illegal program user or other illegal actor
  3. If the member is suspected of violating Article 12 or a report from another member is received
  4. If a temporary measure for service use is necessary for other reasons equivalent to each subparagraph
• If the Company takes use restriction measures in accordance with Article 11, Paragraph 1, it will notify the member of the following matters a considerable period in advance. However, if it is necessary to take urgent measures, it may be notified afterwards.
  1. Reason for the use restriction measure
  2. Type and period of the use restriction measure
  3. Method of filing an objection to the use restriction measure
• The Company may terminate the user agreement and take measures such as destroying the personal information of a member who has not used the Company's service for one consecutive year from the last service use date (hereinafter referred to as a “dormant account”) to protect the member's personal information. In this case, the fact that the contract will be terminated and personal information will be destroyed, etc., and the personal information to be destroyed will be notified to the member 30 days before the measure date in the manner of Article 30, Paragraph 1.

Article 15 【Procedure for Filing an Objection to Use Restriction Measures】

• If a member wishes to object to the Company's use restriction measure, they must submit an objection statement with the reason for the objection to the Company in writing, by email, or in a similar manner within 14 days from the date of receiving the notification of the measure.
• The Company will respond in writing, by email, or in a similar manner within 14 days from the date of receiving the objection statement in Paragraph 1. However, if it is difficult to respond within this period, the Company will notify the member of the reason and the processing schedule.
• If the Company recognizes that the member's objection is legitimate, it will immediately resume the use of the service.

Article 16 【Provision, Change, and Suspension of Service】

• The Company provides members with lottery receipt QR scan services, a lottery information community, and related services.
• The Company may change the service for operational or technical needs to provide smooth service. In this case, the content of the changed service and the date of change will be specified and announced on the initial screen of the app or in the service announcements.
• The Company may differentiate the use by classifying the member's grade and subdividing the number of uses, the scope of services provided, etc.
• The Company may suspend all or part of the service provision for a certain period in the following cases. In this case, the reason and period of suspension will be announced on the initial screen of the app or in the service announcements. However, if there are unavoidable circumstances that cannot be announced in advance, they may be announced afterwards.
  1. If it is unavoidable for system operation, such as regular system inspection, server expansion and replacement, or network instability.
  2. If normal service provision is impossible due to power outage, service facility failure, service usage congestion, or maintenance or inspection of the telecommunications service provider's facilities.
  3. If it is difficult to continue the service due to significant management reasons such as business transfer, division, merger, etc., termination of the service provision contract, or significant deterioration of the profitability of the service. In this case, the suspension date, compensation conditions, etc., will be announced on the initial screen of the application or its connection screen 30 days before the suspension date and notified to the member in the manner of Article 30, Paragraph 1.
  4. If a situation beyond the Company's control occurs, such as war, incident, natural disaster, or a national emergency equivalent thereto.
  5. If the virtual asset market is suspended or a force majeure event equivalent thereto occurs.
  6. If the service cannot be maintained due to the Company's various circumstances.
• The Company is not responsible for any problems arising from the change or suspension of the service that are due to a normal procedure or have been announced in advance (including changes in the value of XE during the suspension period).
• The Company may limit the number of times each service can be participated in.
• The Company provides services using an application for mobile devices, etc. Members can download and install the application to use the service, and a separate fee may be charged by the mobile carrier they have subscribed to.
• Services using the application are provided according to the characteristics of the mobile device or mobile carrier.
• In the case of services using applications, etc., background work may be performed. In this case, additional charges may be incurred according to the characteristics of the mobile device or mobile carrier, and the Company is not responsible for this.
• The Company will start the service from the time the Company approves the member's user application in accordance with the provisions of Article 7. However, if the Company is unable to start the service at this time due to business or technical reasons, it will be announced on the service screen.

Article 17 【Lottery QR Scan】

• Members can scan the QR on the lottery receipt, watch an advertisement within the service, and receive XE tokens as a reward.
• The QR of a lottery receipt that has been scanned once cannot be reused.

Article 18 【Community】

• Members can share the latest lottery-related information and exchange opinions with other members through the community.
• Members can check the latest lottery-related news and ongoing events through the community.

Article 19 【Provision of AI Analysis Results】

The Company provides members who have watched advertisements with lottery numbers based on theme and big data analysis by day of the week and season.

Article 20 【My Page】

• Members can check their invitation code and send invitation links through My Page.
• Members can check the number of XE tokens they hold and their reward history for using the service through My Page.

Article 21 【Acquisition of XE Tokens】

• Members can hold and use one account, and if they use multiple accounts to acquire XE tokens, participate in duplicate with one account, or are otherwise deemed ineligible, the Company may not provide XE tokens.
• The member is responsible for costs such as taxes and public charges incurred in the process of receiving XE tokens.
• The data of XE tokens is based on the data managed and operated by the Company, not the figures shown on the member's device.
• The quantity and acquisition method of XE tokens that can be obtained by using the services provided by the Company may be changed according to the Company's operating policy.

Article 22 【Provision of Advertisements】

• The Company may post advertisements within the service in connection with the operation of the service. In addition, it may send promotional information by means of email, text message service, push notification, etc. to members who have agreed to receive it. In this case, the member may refuse to receive it at any time, and the Company will not send promotional information when the member refuses to receive it.
• Through banners or links in the service provided by the Company, members may be connected to advertisements or services provided by others.
• If a member is connected to an advertisement or service provided by another person in accordance with Paragraph 2, the service provided in that area is not the Company's service area, so the Company does not guarantee its reliability, stability, etc., and the Company is not responsible for any damage to the member resulting therefrom. However, this is not the case if the Company intentionally or with gross negligence facilitated the occurrence of damage or failed to take measures to prevent damage.
• The Company may, with the member's consent, connect advertisements or services provided by others to the user content provided by the member within this service.

Article 23 【Collection of Information, etc.】

• The Company may store and keep the member's lottery QR scan, community and service participation information, reward history information, and community activity information, and this information is held only by the Company. The Company may view this information only for dispute resolution between members, handling of civil complaints, or maintaining service order, and a third party may view this information only if authorized by law.
• If the Company or a third party views information in accordance with Paragraph 1, the Company will notify the relevant member of the reason and scope of the viewing in advance. However, if it is necessary to view this information in connection with the investigation, handling, or confirmation of the prohibited acts in Article 12, Paragraph 2, or the remedy of damage caused by such acts, it may be notified afterwards.
• The Company may collect and use the member's mobile device information (settings, specifications, operating system, version, etc.), excluding the member's personal information, for the smooth and stable operation of the service and improvement of service quality.
• The Company may request additional information from the member for the purpose of improving the service and introducing services to members. The member may accept or refuse this request, and when the Company makes this request, it will also notify that the member can refuse this request.

Article 24 【Protection and Use of Personal Information】

• The Company strives to protect the member's personal information as stipulated by relevant laws, and the protection and use of personal information are in accordance with relevant laws and the Company's privacy policy. However, the Company's privacy policy does not apply to linked services other than the services provided by the Company.
• Depending on the characteristics of the service, content that introduces oneself, such as nicknames, characters, photos, and status information, that is not related to the member's personal information, may be disclosed.
• The Company will not provide the member's personal information to others without their consent, except when requested by relevant national agencies, etc. in accordance with relevant laws.
• The Company is not responsible for damages caused by the leakage of personal information due to the member's fault.
• The Company may, with the member's consent, provide the member's personal information to affiliates and service consignment operators for the provision of the service.
• In principle, the Company performs the handling and management of collected personal information itself, but if necessary, it may entrust some or all of this work to a company selected by the Company.

Article 25 【Change of Member Information】

If the information provided by the member at the time of applying for service use has changed, the member must correct it according to the method set by the Company. The Company is not responsible for any problems arising from the member's failure to correct the changes in a timely manner.

Article 26 【Attribution of Copyright, etc.】

• The copyright and other intellectual property rights to the content within the service produced by the Company belong to the Company.
• Members must not copy, distribute, publish, broadcast, promote specific acts, or use for commercial purposes, or allow others to use, information obtained by using the Company's service without the Company's prior written consent.
• The member is solely responsible for all matters related to intellectual property rights, such as copyrights, in connection with communications, images, sounds, and all materials and information (hereinafter referred to as “user content”) that the member uploads or transmits through the service in the course of using the services provided by the Company, and the Company is not responsible for any matters related to user content.
• The Company will not use the member's user content without the member's explicit consent, and the member may delete such user content at any time. However, the member grants permission to the Company and the person designated by the Company to use the user content in the following ways as stipulated in these terms and conditions.
  1. Allowing other members to view the user content provided by the member to the service
  2. Allowing the Company or other members to record/edit/change the user content provided by the member to the service to create new content, and then allowing other members of the service to view it, or providing it to a person designated by the Company so that those users can view it
  3. Allowing the Company to store the user content provided by the member to the service and then allowing other members to apply for it as a replay service, etc., or providing it to a person designated by the Company so that those users can view it
  4. Allowing the Company to copy, store, and edit the user content provided by the member to the service and transmit and post it on marketing platforms such as channels and blogs managed by the Company for the purpose of promoting applications and services.
  5. Providing the user content provided by the member to the service to academic and research institutions and companies for the purpose of analysis and statistics, technology development, and other service improvements.
• If the Company determines that a post within the service posted or registered by a member corresponds to a prohibited act under Article 12, Paragraph 2, it may delete or move it or refuse its registration without prior notice.
• A member whose legal interests have been infringed by information posted on a bulletin board, etc. operated by the Company may request the Company to delete the information or post a rebuttal. In this case, the Company will promptly take the necessary measures and notify the applicant.
• This article is valid while the Company operates the service and continues to apply even after the member withdraws.

Article 28 【Damages】

• If a member violates the provisions of these terms and conditions and causes damage to the Company, the member who violated these terms and conditions must compensate for all damages incurred by the Company.
• If the Company receives a claim for damages or a lawsuit from a third party due to a member's illegal act or violation of these terms and conditions while using the service, the member must indemnify the Company at their own responsibility and expense, and the member must compensate for all damages incurred by the Company as a result.
• If the Company causes damage to a member due to its gross negligence in operating the service, the Company will compensate the member for the damage.
• The increase or decrease in the value of assets due to the price fluctuation of XE on external exchanges is not the member's damage for which the Company is liable for compensation.

Article 29 【Company's Disclaimer】

• The Company is not responsible for damages caused by natural disasters or equivalent force majeure, maintenance, replacement, regular inspection, or failure of service facilities, or communication interruption. However, this is not the case if it is due to the Company's intention or negligence.
• If the Company is unable to provide the service temporarily or permanently due to natural disasters or equivalent force majeure, maintenance, replacement, regular inspection, or failure of service facilities, or communication interruption, it is exempt from responsibility for providing the service. In this case, the Company will post it on the internet site it provides or notify the member in the manner of Article 30, Paragraph 1.
• The Company is not responsible for service use obstacles due to the member's fault.
• If a civil or criminal dispute arises regarding the reliability, accuracy, etc. of information or data posted by a member in connection with the service, including user content, the member is fully responsible, and the Company is not responsible at all.
• The Company has no obligation to intervene in transactions or disputes that occur between a member and another member or a third party through the service, and is not responsible for any damages resulting therefrom.
• The Company is not responsible for the member not obtaining the expected benefits from using the service or for any damages incurred.
• The Company is not responsible for third-party payments that occur because the member did not manage their mobile device password, the password provided by the open market operator, etc., or for damages that occur because the member entered the e-wallet address incorrectly.
• If the member is unable to use all or part of the content's functions due to a change in mobile device, change in mobile device number, change in operating system (OS) version, overseas roaming, or change in telecommunications company, the Company is not responsible for this.
• If the member deletes or loses the content or account information provided by the Company, the Company is not responsible for this.

Article 30 【Notification to Members】

• When the Company notifies a member, it can do so by email address, electronic memo, private message within the service, text message, etc.
• When the Company notifies all members, it can replace the notification in Paragraph 1 by posting it on the service for 7 days or more or presenting a pop-up screen.

Article 31 【Termination of Service】

• If it is difficult for the Company to continue the service due to significant management reasons such as a significant decline in profitability, it will announce the termination date, compensation conditions, etc. on the initial screen of the application or its connection screen 30 days before the date it wishes to terminate the service and notify the member in the manner of Article 30, Paragraph 1.
• Part of the service may be restricted from the date of the termination notice until the service termination date.

Article 32 【General Provisions】

• Even if some provisions of these terms of use become invalid or unenforceable, the remaining provisions will remain in effect.
• Even if the Company does not enforce or delays the enforcement of its rights or authority under these terms and conditions, it will not be deemed a waiver of the Company's rights or authority.
• The member may not transfer the Company's rights or obligations stipulated in these terms and conditions to another person without the Company's prior written consent. However, in the event of an acquisition, merger, or sale of the service, the Company may transfer its rights or obligations stipulated in these terms and conditions without the member's consent.
• These terms and conditions constitute the complete and exclusive agreement between the Company and the member regarding the service and supersede all prior agreements concluded in connection with the service.
• Even if some provisions of these terms and conditions are judged to be invalid or unenforceable by the competent court or local laws, the remaining parts of these terms and conditions will remain valid and will not be invalidated for any reason.
• These terms and conditions were originally written in Korean, and when the member encounters these terms of use in a language other than Korean, the member understands and agrees that the terms and conditions in a language other than Korean are provided for the member's convenience only, and the interpretation of the terms and conditions written in Korean always takes precedence if there is a difference in meaning between the languages.

Article 33 【Governing Law and Jurisdiction】

• The governing law of these terms and conditions shall be the laws of the Republic of Korea.
• In the event of a dispute between the Company and the member in connection with these terms and conditions, the parties shall resolve it by mutual amicable agreement in good faith and sincerity, and if the dispute is not resolved, the Seoul Central District Court shall have the agreed jurisdiction.

Article 34 【Member's Grievance Handling and Dispute Resolution】

• The Company will promptly handle the member's opinions or complaints related to the use of the service within a reasonable period. However, if there is a considerable reason why prompt handling is difficult, the Company will notify the member of the reason and the handling schedule.
• The Company will guide the member on how to present opinions or complaints to the Company on the service or its connection screen.
• If a dispute arises between the Company and a member and a third-party dispute resolution agency mediates, the Company will faithfully prove the measures taken against the member, such as use restrictions, and may follow the mediation of the mediation agency.