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Electronic Financial Transactions Terms

 

Electronic Financial Transactions Terms of Use

1 – Purpose

The purpose of these Terms and Conditions is to establish the rights, obligations, and other matters between the Company and the User that are necessary for the User to use the electronic payment gateway service and payment deposit service provided by Skyline Luge Tongyeong (hereinafter referred to as the “Company”).

2 – Definitions

The terms set forth in these Terms and Conditions are defined as follows:

  1. ‘Electronic Financial Transactions’ refers to transactions in which the Company provides electronic payment gateway services and payment deposit services (hereinafter referred to as ‘Electronic Financial Transaction Services’) through electronic devices in accordance with relevant laws and regulations, such as the Electronic Financial Transactions Act and the Act on the Consumer Protection in Electronic Commerce, etc., and the User uses them in an automated manner without face-to-face or communication with the Company’s employees.
  2. ‘Electronic Payment Gateway Service’ refers to a service that transmits or receives payment information or settles the payment for the purchase of goods or services by electronic means, or the settlement of the payment thereof.
  3. ‘Payment Deposit Service’ refers to a service in which the Company deposits the payment amount until the time when the User receives the goods or services or confirms the use of the Service when the User pays all or part of the consideration (hereinafter referred to as the ‘Payment Payment’) in advance before receiving the goods or services (hereinafter referred to as the ‘Goods’, etc.).
  4. ‘User’ refers to a person who agrees to these Terms and Conditions and uses the electronic financial transaction service provided by the Company.
  5. ‘Access medium’ refers to a means or information used to instruct transactions or to secure the truth and accuracy of users and transaction contents in electronic financial transactions, such as electronic cards and equivalent electronic information (including credit card numbers), certificates under the Digital Signature Act, user numbers registered with the Company, biometric information of users, and passwords required to use the above means or information, as stipulated in Article 2 (10) of the Electronic Financial Transactions Act.
  6. ‘Transaction Instructions’ means that the User instructs the Company to process electronic financial transactions in accordance with the Electronic Financial Transaction Agreement concluded under these Terms and Conditions.
  7. ‘Error’ refers to a case where an electronic financial transaction is not carried out in accordance with the electronic financial transaction agreement or the user’s transaction instructions without the user’s intention or negligence.

3 – Clarification and Modification of Terms and Conditions

  1. The Company shall post these Terms and Conditions before the User uses the Electronic Financial Transaction Service and allow the User to check the important contents of the Terms and Conditions.
  2. Upon the user’s request, the Company shall issue a copy of these Terms and Conditions to the user by electronic document transmission.
  3. When the Company changes the Terms and Conditions, the Company shall notify the Users of the changed Terms and Conditions by posting them on the initial page of the use of the electronic financial transaction service provided by the Company and on the Company’s website before the effective date of January of the effective date.

4 – Types of Electronic Payment Gateway Services

The electronic payment gateway service provided by the Company is distinguished as follows according to the payment method.

  1. Credit Card Payment Agency Service: When a credit card is a payment method provided by a user for payment, the Company transmits and receives credit card payment information through an electronic payment system and acts on behalf of or mediates the settlement of the payment amount.

5 – Contents of Payment Deposit Service

  1. Users (including those who will receive goods, etc., if the user agrees. Hereinafter referred to in this article) shall notify the Company of the receipt of the goods within 3 business days from the date of receipt of the goods.
  2. After receiving notification of receipt of goods from the user, the Company shall pay the payment to the mail-order vendor within the time set between the Company and the mail-order vendor.
  3. If the Company does not notify the Company of the fact of the supply of goods without justifiable reasons within 3 business days from the date on which the user receives the goods, etc., the Company may pay the payment to the mail-order vendor without the consent of the user.
  4. In the event that there is a reason for the user to be refunded before the payment is made to the mail-order vendor, the Company shall refund the payment to the consumer.
  5. The Company may establish the Terms and Conditions of Use of the Payment Deposit Service separately from these Terms and Conditions in order to establish specific rights and obligations related to the use of the Payment Deposit Service with the User.

6 – Hours of Use

  1. In principle, the Company shall provide electronic financial transaction services to users 24 hours a day, seven days a week. However, it may be decided otherwise depending on the circumstances of the financial institution or other payment method issuer.
  2. If the suspension of the service is unavoidable due to the maintenance or inspection of information and communication facilities, other technical needs, or the circumstances of a financial institution or other payment method issuer, the Company may suspend the service after posting the fact of the service suspension through electronic means that can be posted at least 3 days prior to the service suspension. However, in the event of unavoidable circumstances such as system failure incidents, urgent program maintenance, or external factors, the service may be suspended without prior notice.
  3. The Company may not consent to the use of electronic financial transaction services in any of the following cases.
    • In the event that the service is used falsely by stealing the name of another person.
    • If there is a falsehood, omission, or error in the information registered for the use of the service.
    • If the user has previously lost his/her eligibility in accordance with these Terms and Conditions or the Company’s Electronic Financial Transaction Service Operation Policy.
    • When using the service for the purpose of disturbing the well-being, order, and morals of society.
    • If you use a bug or malicious program to apply for membership by taking advantage of a vulnerability in the system.
    • When it is determined that the operator or employee of a business that competes with the Service or any other person is using the Service for the purpose of detecting information, infringing on the rights of others, or interfering with the Company’s business.
    • In the event that the requirements for using the service are not satisfied according to the company’s internal regulations, such as risk management, etc.
  4. In the event that the user of the electronic financial transaction service is a minor as stipulated in the relevant laws and regulations, the Company may withhold consent as stipulated in the service-specific guidance.

7 – Selection, Use and Management of Access Media

  1. When providing electronic financial transaction services, the Company may select an access medium to check the user’s identity, authority, and the contents of the transaction order. The information will not be used, and if it is requested, it will be immediately destroyed so that it cannot be used for any purpose.
  2. The user shall not lend the access medium to a third party, delegate its use, or provide it for the purpose of transfer or collateral.
  3. Users shall not leak, expose, or neglect their access media to a third party, and shall take sufficient care to prevent theft, forgery, or alteration of access media.
  4. When the Company receives a notification from a user that the access medium has been lost or stolen, the Company shall be responsible for compensating the user for any damages incurred by the third party as a result of the use of the access medium.
  5. Users shall not infringe on the intellectual property rights of the Company and third parties.
  6. Users shall not engage in any of the following acts, and in the event of such acts, the Company may impose sanctions, including restriction on the user’s use of electronic financial services and appropriate measures.
    • Impersonating or impersonating an employee or administrator of a service, or posting or sending an email in the name of another person.
    • Registering false information or stealing other people’s personal information when applying for membership, changing user information, or using the service;
    • Use the Service to infringe on the rights of other users or third parties, such as defamation, insult, invasion of privacy, intellectual property infringement, intimidation, sexual harassment, etc.
    • Impersonating the company’s management, employees, or related parties.
  7. Hacking the Company’s server, infringing on the information and communication network, or arbitrarily changing part or all of the website or posted information;
  8. Acts that harm the service or intentionally interfere with the company’s business
  9. Use the information obtained through the Service for any purpose other than the use of the Service (including reproduction, publication, broadcasting) without the prior consent of the Company, or provide it to a third party;
  10. Transmitting or posting information (computer programs, etc.) that is prohibited by relevant laws and regulations.
  11. Use the service to transmit, post, e-mail, or otherwise disseminate information, sentences, figures, sounds, or videos that violate public order and morals to others;
  12. Posting content on the service site that does not match the nature of the service
  13. Collecting or storing other users’ personal information without obtaining the approval of the Company and the information subject.
  14. Actions that are objectively judged to be related to the use of the service
  15. Violations of all regulations or conditions of use set by the Company, including these Terms and Conditions, and other acts that violate the relevant laws of the Republic of Korea and international laws, etc.

8 – Confirmation of Transaction Details

  1. The Company shall allow the Company to confirm the contents of the User’s transaction (including the User’s ‘Facts of Error Correction Request and Matters Concerning the Result of Processing’) through the electronic method agreed in advance with the User, and if the User requests it, the Company shall issue a written copy of the transaction within two weeks from the date of receipt of the request.
  2. Among the transaction details provided by the Company to the user, the name or number of the transaction account, the type and amount of the transaction, the information indicating the counterparty, the date of the transaction, the type of electronic device, and the information that can identify the electronic device, and the access record of the electronic device related to the electronic financial transaction shall be covered for a period of five years, and the record of the transaction amount of less than 10,000 won per transaction, the record of the transaction approval when using the electronic payment method, and the fact of the user’s request for correction of errors and the result of the processing shall be covered for a period of one year.
  3. If a user wishes to request a written delivery as stipulated in Paragraph 1, he or she may make a request at the following address and telephone number.
  4. The Company is obligated to provide services to users who wish to use electronic financial transaction services in accordance with the procedures set by the Company, and shall not engage in any act that is prohibited by laws and these Terms and Conditions or contrary to public order and morals, and shall strive to provide services continuously and stably in accordance with the provisions of these Terms and Conditions.
  5. The Company may view the user’s information on the use of the ‘Service’ and may use it for the purpose of support and consultation on the Company’s sales activities.
  6. If the Company objectively recognizes that an opinion or complaint raised by a user is justified, the Company shall immediately handle it through appropriate procedures. However, if it is difficult to process immediately, the user shall be notified of the reason and processing schedule.
  7. The Company strives to maintain the up-to-date and accurate information provided on the Service Site. However, we do not guarantee the up-to-date and accurate information provided to users.
  8. The Company may restrict the service to users who falsely record personal information, and users cannot claim rights against it.
  9. A user who applies for use by stealing other people’s names and other information may be punished in accordance with the relevant laws and regulations.

9 – Correction of errors, etc.

  1. If the user is aware that there is an error in the use of the electronic financial transaction service, the user may request the Company to correct the error.
  2. When the Company receives a request for correction of an error in accordance with the provisions of the preceding Paragraph, the Company shall promptly investigate and process the request and notify the user of the result within two weeks from the date of receipt of the correction request.

10 – Liability of the Company

  1. The Company shall be liable for compensation for damages incurred by the user due to an accident caused by the forgery or alteration of the access medium. However, if the user violates Article 6, Paragraph 2, or if the user leaks, exposes, or neglects his/her access medium despite knowing or could have known that a third party may use the user’s access medium to conduct electronic financial transactions without authorization, the user may be held responsible for all or part of the responsibility.
  2. The Company shall be liable to compensate the user for any damage caused by an accident that occurred during the electronic transmission or processing of the contract or transaction order. However, in the event that a user falls under the proviso to paragraph 1 of this Article or is a corporation (excluding small businesses pursuant to Article 2, Paragraph 2 of the Framework Act on Small and Medium Enterprises) incurs damages, and the Company has established security procedures to prevent accidents and has fulfilled its duty of due diligence that is reasonably required, such as strictly complying with them, the user may be required to bear all or part of the responsibility.
  3. The Company shall be liable to compensate the user for any damage caused by an accident caused by the use of an electronic device for electronic financial transactions or an access medium obtained by false or other fraudulent means by intruding into the information and communication network pursuant to Article 2, Paragraph 1, Paragraph 1 of the Act on Promotion of Information and Communications Network Utilization and Information Protection, Etc.

11 – Effect of Electronic Payment Transaction Agreement

  1. If the user’s transaction order is related to an electronic payment transaction, the Company shall act on behalf of the payment procedure and transmit the contents of the transaction instruction related to the electronic payment transaction so that payment can be made.
  2. The Company shall return the received funds to the user if the payment transaction is not carried out in accordance with the transaction instructions regarding the user’s electronic payment transaction.

12 – Withdrawal of Transaction Orders

  1. In the case of a transaction order related to an electronic payment transaction, the user may withdraw the transaction order until the payment takes effect
  2. What is the time when the payment under the preceding paragraph takes effect?
    • In the case of electronic fund transfer, when the account of the financial institution where the beneficiary’s account is opened for the information of the amount instructed to be traded has been recorded in the ledger.
    • In the case of payment by other electronic payment methods, it refers to when the information of the amount instructed for the transaction has been entered into the electronic device of the financial institution where the beneficiary’s account is opened.
  3. In the event that the payment has taken effect, the user may receive a refund of the payment amount by the method of withdrawal of the subscription in accordance with relevant laws and regulations, such as the Act on the Consumer Protection in Electronic Commerce, etc., or as stipulated in Article 5 of these Terms and Conditions.

13 – Creation and Preservation of Records of Use of Electronic Payment Gateway Services

  1. The Company creates and preserves records that allow users to track and search the contents of electronic financial transactions, or to check or correct errors in the contents.
  2. The types of records that the Company shall preserve in accordance with the provisions of the preceding paragraph and the method of preservation shall be as set forth in Article 8, Paragraph 2.

14 – Prohibition of Provision of Electronic Financial Transaction Information

In providing electronic financial transaction services, the Company shall not provide, divulge, or use the user’s personal information, the user’s account, access media, and information or data related to the contents and performance of electronic financial transactions to a third party without obtaining the consent of the user, or using them for any other purpose than for business purposes.

15 – Dispute Settlement and Dispute Settlement

  1. The user may request the person in charge of dispute resolution and the person in charge of dispute resolution to submit opinions and complaints related to the use of electronic financial transaction services, and to request for compensation for damages.
  2. In the event that a user applies to the Company for dispute resolution, the Company shall notify the User of the result of the investigation or handling within 15 days.
  3. Users may apply for dispute settlement related to the use of the Company’s electronic financial transaction services to the Financial Dispute Mediation Committee of the Financial Supervisory Service pursuant to the provisions of Article 51 of the Act on the Establishment of Financial Supervisory Bodies, etc., or to the Consumer Protection Agency pursuant to the provisions of Article 31, Paragraph 1 of the Consumer Protection Act.

16 – Obligation to ensure the stability of the Company

In order to ensure the safety and reliability of electronic financial transactions, the Company complies with the standards set by the Financial Supervisory Commission regarding the information technology sector and electronic financial services, such as personnel, facilities, and electronic devices for electronic transmission or processing for each type of electronic financial transaction.

17 – Terms and Conditions and Jurisdiction

  1. Matters not stipulated in these Terms and Conditions shall be governed by consumer protection-related laws such as the Electronic Financial Transactions Act, the Act on Consumer Protection in Electronic Commerce, etc., the Act on Mail-order Sales, and the Specialized Credit Finance Business Act.
  2. Regarding disputes that arise between the Company and the User, the Company and the User shall consult closely to resolve the dispute amicably. If an amicable settlement fails, the jurisdiction of the litigation shall be as provided by the Code of Civil Procedure.

Addendum

Effective Date: These terms and conditions are effective from March 1, 2019.