(DATAHERO Inc.) Terms of Use

Article 1: Purpose

These terms and conditions are intended to define the rights, obligations, and responsibilities of the company and its members (users who have agreed to these terms and conditions and completed membership registration, hereinafter referred to as "members") in relation to the use of online internet services (hereinafter referred to as "services") provided by DATAHERO Inc. (hereinafter referred to as "the company").

Article 2: Effectiveness, Application, and Amendment of the Terms

① The company shall post these terms and conditions on the initial screen of the service so that members can easily understand them.
② The company may amend these terms within the scope not violating relevant laws such as the Online Digital Content Industry Development Act, the Act on Consumer Protection in Electronic Commerce, the Regulation of Standardized Contracts Act, and the Consumer Basic Act.
③ When amending the terms, the company will specify the existing terms, the amended terms, the effective date of the amended terms, and the reason for the amendment. These will be announced on the service's website for a considerable period before and after the effective date, starting 7 days before the effective date. If the amendment is disadvantageous to members, the announcement will start 30 days before the effective date. Existing members will be notified of the amendment to the terms using the email address provided at the time of service access and membership registration, and their consent or objection will be sought.
④ If the company notifies or announces the amended terms and clearly states that failure to express intent within 7 days will be considered approval, and there is no expression of intent, it will be regarded as the member's agreement to the amended terms. If a member does not agree with the amended terms, they can terminate the contract of use according to the provisions of Article 16, Paragraph 1.

Article 3: Supplementary Rules to the Terms

① These terms may include separate service-specific policies ("Service-specific Guidelines"). In cases of conflict, the "Service-specific Guidelines" will take precedence.
② Matters not specified in these terms will be governed by relevant laws and the spirit of the service-specific guidelines.

Article 4: Membership Registration Procedure

① Users who read these terms and click the "Agree" button or check "Confirm" or similar are considered to have agreed to these terms.
② The company accepts users who apply for membership as per Paragraph 1 as members, unless they fall under 'Article 5: Acceptance, Reservation, and Rejection of Member Registration'.
③ The company may differentiate services for members, categorizing them into different levels. a. General members: Users become members upon filling in the required information in the membership application form and being accepted by the company. b. Paid members: Users who subscribe to the company's paid content and apply for paid services after membership registration. Membership is established upon the company's approval.

Article 5: Acceptance, Reservation, and Rejection of Member Registration

① Membership is established upon a service user's application for membership and the company's acceptance of the membership registration. The company must accept the application after verifying necessary details, provided the applicant has earnestly filled in the required information.
② The company may refuse membership registration in the following cases: a. If the contents of the application form are falsely filled out. b. In other cases where the company recognizes that it may contravene public order and morals based on relevant laws. c. If a child under 14 years of age has not obtained consent from a parent or legal guardian for providing personal information. d. If a member whose contract was terminated by the company under Article 16, Paragraph 2 reapplies for membership.
③ The company may reserve the right to accept membership registration in the following cases: a. If there is no realistic spare capacity for service provision. b. If there are technical problems in providing the service. c. In other cases where the company deems it necessary financially or technically.

Article 6: Responsibility for Management of Member ID and Password

① Members are responsible for managing their member ID and password used for accessing the services. They bear all responsibility for disadvantages arising from their negligent or intentional misuse of their ID by third parties. The company is not responsible for such incidents, except in cases of its own negligence or intentional fault.
② If a member’s ID, password, or additional information is stolen or used by a third party, the member must immediately take measures such as changing their password and promptly inform the company, following the company’s instructions.

Article 7: Collection and Protection of Personal Information

① The company collects personal information from members as necessary for providing services, in accordance with relevant legal provisions.
② The company strives to protect the personal information of members, including registration information, as per relevant laws. The protection and use of personal information of members are subject to the relevant laws and the company’s privacy policy. However, the company’s privacy policy does not apply to linked sites outside of the company’s official service site.

Article 8: Use of Services

① The use of services is possible immediately after the company’s acceptance for service use. However, for paid services, it may be possible only after the company confirms payment.
② Service hours are, in principle, 24 hours a day, every day of the year, except when operation is technically or operationally impossible. However, the company can specify dates and times for service availability for reasons such as regular maintenance. In such cases, the company will announce this in advance through the service.
③ The company may limit or suspend all or part of the services in cases of national emergencies, power outages, equipment failures, or excessive use of services that make normal service provision impossible. However, the company will notify members of the reason and duration of the limitation or suspension in advance or afterwards.
④ In the case of the termination of a paid service, members using the service will be notified via service website announcement, email, or text message according to Paragraph 2, and refunds will be processed as stipulated in Article 16, Paragraph 4.
⑤ For the convenience of paid service members, various service-related information can be displayed within the service or sent via text messages or push notifications, and members agree to this.

Article 9: Ownership of Rights and Use of Works

① Copyright of posts and other content (hereinafter referred to as "posts, etc.") published by members on the service screen belongs to the authors of those posts. Therefore, all rights and responsibilities related to the posts lie with the member who posted them.
② Posts, etc., can be exposed through the company’s internet site and mobile applications, and also in related promotions. For such exposure, they can be partially modified, copied, or edited within the necessary scope. In this case, the company complies with copyright laws, and members can request deletion or make their posts private through customer service at any time.
③ If the company intends to use members’ posts, etc., in ways other than those mentioned in Paragraph 2, it will obtain the member’s consent in advance through phone, fax, email, etc.

Article 10: Restriction and Suspension of Service Use

The company can restrict or suspend a member’s use of services in the following cases: a. If a member intentionally or negligently disrupts the operation of the company’s services. b. If a member violates the duties in Article 12. c. If a member has not logged in for 12 consecutive months. d. In case of unavoidable circumstances such as maintenance, repair, or construction of service facilities. e. If the telecommunications business operator stops providing services as prescribed in the Telecommunications Business Act. f. In case of national emergency, service equipment failure, or service overload. g. In other serious cases where the company deems it inappropriate to continue providing services.
When restricting or suspending service use as per the previous paragraph, the company must inform the member of the reason and duration of the restriction.
If the company decides to terminate a member’s contract and withdraw membership according to Article 16, Paragraph 2, it must notify the member before processing the withdrawal. The member has 30 days from receiving the notice to dispute the decision.
Under the Act on Promotion of Information and Communications Network Utilization and Information Protection (hereinafter referred to as the "Information and Communications Network Act"), members or third parties whose rights have been infringed upon by other members’ public posts, such as privacy invasion or defamation, can request the company to delete those posts or publish a rebuttal. In such cases, if the company cannot determine the infringement or anticipates a dispute, it may temporarily block access to the posts.
The member who posted the temporarily blocked content (hereinafter referred to as the "poster") can request the company to restore the post during the temporary blocking period (hereinafter referred to as a "re-posting request"). If both the poster and the requester agree to a Korea Communications Standards Commission review regarding the defamation judgment of the temporarily blocked post, the company can request this on their behalf. If there is no agreement, the company will decide whether to restore the post. If there is a re-posting request, the decision of the Korea Communications Standards Commission or the company during the temporary measure period will be followed. If no decision is made within the temporary measure period, the post will be restored after the expiration of the measure. Without a re-posting request, the post will be deleted after the temporary measure period expires.
Even without a report from members or third parties, the company can take temporary measures if it recognizes that a post on the service infringes upon the privacy or defames a third party.
If another user or a third party takes legal action (e.g., lawsuit, provisional injunction application, damage claim lawsuit) against another user or the company based on the legal interests infringed by a member's post, and requests the deletion of the post related to the legal action, the company can temporarily restrict access to the related post until the result of the legal action (e.g., prosecution by the prosecutor, court injunction decision, damage judgment) is determined. The responsibility for proving the legal action related to the access restriction of the post and the final court judgment lies with the requester.

Article 11: Company's Obligations

① The company strives to continually and stably provide its services and related security by diligently maintaining the necessary facilities.
② The company must establish a security system to protect members' personal information for safe service use, publish and comply with a personal information processing policy.
③ The company must address any opinions or complaints raised by members related to service use if deemed legitimate. The company will inform members of the handling process and results through bulletin boards or email.
④ The company will not send commercial emails or SMS messages for profit-making purposes without the member's consent.

Article 12: Member's Obligations

① Members must not engage in the following actions:
a. Registering false content during membership application or information changes. b. Using information obtained from the company’s services for replication, modification, publication, broadcasting, etc., for profit or non-profit purposes, or providing it to third parties without the company's prior consent. c. Writing false facts about the company or third parties, infringing intellectual property rights, or other actions that infringe the rights of the company or third parties. d. Illegitimately using the services by misusing other members' IDs and passwords. e. Impersonating company staff or service administrators. f. Spreading information, sentences, shapes, voices, etc., that violate public order or good morals. g. Harassing or threatening other users, using swear words, spamming chat, etc., disrupting other members' use of the service. h. Transmitting or posting content that includes spam, obscenity, violence, or insults, or that infringes on others' honor or privacy. i. Collecting, storing, or disclosing other members' personal information without their consent. j. Transmitting or posting information prohibited by the Information and Communications Network Act or other related laws. k. Posting or emailing materials containing software viruses or other computer codes designed to interfere with or damage computer software, hardware, or telecommunications equipment. l. Using the company’s paid services with others' payment information such as account numbers or credit card numbers without their permission. m. Violating current laws, these terms, or other regulations set by the company regarding service use.
② If a member engages in any of the actions in Paragraph 1, the company can delete or temporarily delete such posts and limit or unilaterally terminate the contract of service use.
③ In services provided by the company that require adult verification as per relevant laws, members must provide real-name information according to the methods provided by the company to use such services.

Article 13: Prohibition of Transfer

The right to receive services by the member cannot be transferred, gifted, or used as collateral.

Article 14: Payment of Service Fees

① Members should pay the service charges before using the paid services provided by the company.
② Payment methods for paid services include credit card payments, internet banking through virtual accounts, direct bank transfers, and other payment methods determined by the company. Different payment methods may apply to different paid services.
③ For services with regular monthly payments, payments will be made every month unless the member stops using the service and requests cancellation of the regular payment.
④ For regular payments, automatic payments occur on the same date as the initial payment. If the payment date is not included in a particular month (e.g., the 31st), it will be billed on the last day of that month.
⑤ If payment is not made within a reasonable period after applying for the service, the company can cancel the contract.

Article 15: Refund and Dispute of Service Charges

① If a member overpays by mistake, the company must refund the overpaid amount.
② In the case of a refund due to a member's change of mind, the general method is as follows:
a. For a one-month period payment, the refund is the paid amount minus the days used and a refund fee (3.5% of the service payment). b. For monthly regular payments (monthly plan), the service can be used until the end of the payment cycle, and the payment amount is non-refundable within the limits of relevant laws. However, if the service is terminated within 3 days of the payment date, the full amount is refunded, and the paid service use is immediately terminated. c. For annual regular payments (annual plan), the refund amount varies depending on the contract progress days. ∙ Full refund if cancellation is requested within 3 days of the payment date. ∙ 70% of the payment amount minus the days used if cancellation is requested within 90 days of the payment date. ∙ 30% of the payment amount minus the days used if cancellation is requested after 90 days of the payment date. d. Refunds according to this article are made within 7 business days from the day the refund obligation arises. e. However, regarding the cancellation effectiveness and refunds of separately purchased individual paid vouchers outside of the services operated by DATAHERO, they shall follow the content of the relevant clauses of the paid service terms and conditions within that site.
③ Not with standing the provisions of Paragraph 2, the company will refund the full amount paid by the member in the following cases: a. If the member has not used the service after completing the payment. b. If the service paid for by the member is not provided. c. If normal use of the service is significantly impossible due to defects in the provided service. d. If the member could not use the service due to the company's fault despite meeting the minimum technical specifications set by the company.
④ Members can dispute service charges. However, disputes regarding service charges must be raised within one month of becoming aware of the reason and within three months from the date the reason occurred.
⑤ If the company restricts the member's use of services or unilaterally terminates the contract due to the member violating the provisions of Article 12, the company will not refund any amount to the member.
⑥ In the case of a full refund, the principle is to refund using the payment method used by the member for the service. However, if this is impossible or in cases of partial refund due to mid-term termination of the service, the refund will be made by a separate method determined by the company.
⑦ The costs incurred for the refund are borne by the member in case of a refund due to the member's change of mind and by the company in case of a refund due to the company's fault.

Article 16: Termination of Service Contract

① Members can terminate their service contract at any time by deleting their ID and withdrawing from the service through the member information management screen on the service, following the procedures established by the company.
② If a member violates the provisions of Article 12, the company can unilaterally terminate this contract and may hold the member liable for civil and criminal responsibilities in case of damages caused to the service operation.
③ The termination of a paid service contract is effective upon the member's request for service termination and the company's acceptance. The effects of the contract termination occur from the moment the company accepts it, and any refunds will be processed according to the provisions of Article 15.
④ If individual paid services have different methods and effects of contract termination stipulated in their individual terms, the termination of contracts for those individual paid services will follow the provisions of those individual terms.

Article 17: Disclaimer

① The company is exempt from responsibility for service provision in cases of force majeure, such as natural disasters.
② The company is not liable for any expected profits or losses incurred by members using the service, or for damages resulting from data obtained through the service.
All content provided by the company is solely for informational purposes and is not posted with the intention to sell or recommend specific stocks. The company's content is not a research report and should not be used as the sole basis for investment decisions. All investments carry risk, and past performance of financial products does not guarantee future results or returns. When investing in financial products, one should always be aware of the possibility of financial loss and investors should carefully consider their investment objectives and risks before investing.
③ The company is not responsible for any service usage disruptions or damages caused by the member’s own fault.
④ The company is not responsible for the reliability or accuracy of information, materials, and facts posted by members on the service.
⑤ The company is exempt from responsibility for transactions or disputes that arise between members or between members and third parties through the service.

Article 18: Resolution of Disputes

① These terms and conditions are governed and implemented according to the laws of the Republic of Korea, and disputes arising between the company and members related to service use will be subject to the jurisdiction of the court with jurisdiction over the legal address under the Civil Procedure Act.
② Matters not specified in these terms will be governed by relevant laws, and parts not specified by law will follow customary practices.
③ For members using the company's paid services, separate terms and policies determined by the company apply.

Supplementary Provision

These terms and conditions are effective from February 15, 2023.