* Terms of Use

  1. Article 1 (Objects)
    The purpose of these terms and conditions is to set basic matters concerning electronic financial transactions between the company and the users in using e-payment payment agency service and payment reservation service provided by Eromnet (hereinafter referred to as the 'Company').
  2. Article 2 (Definition of terms)

    The terms set forth in this Agreement are defined as follows:

    1. 'Electronic Financial Transactions' refers to transactions in which the company provides e-payment agency services and deposit payment services (hereinafter referred to as 'Electronic Financial Transaction Services') through electronic devices, and uses them in an automated manner, without directly facing or communicating with the employees of the company.
    2. 'E-Payment Payment Acting Service' refers to the service that sends or receives payment information in the purchase of goods or the use of services electronically or acts on behalf of or mediating the settlement of the consideration.
    3. 'Payment Deposit Reservation Service' refers to a service in which the company deposits the payment amount until the time of receipt of the goods or service use by the user before receiving the goods or services (hereinafter referred to as 'goods, etc.') in advance of the payment in purchase of the goods or the use of the service.
    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 the means or information used to direct transactions in electronic financial transactions or secure the veracity and accuracy of users and transactions including electronic cards and equivalent electronic information (including credit card numbers), certificated under the Electronic Signature Act, user number registered in the company, the biometric information of the user, passwords required to use the above means or information, etc. which is provided under Article 2 paragraph 10 of the Electronic Finance Transaction Act.
    6. 'Transaction order' refers to the user ordering the company to handle electronic financial transactions in accordance with the electronic financial transaction contract concluded under this Agreement.
    7. 'Error' refers to the case in which electronic financial transactions have not been carried out in accordance with electronic financial transaction contract or user transaction order without the user's intention or negligence.
  3. Article 3 (Specification and modification of the terms and conditions)
    1. The company publishes these terms and conditions before the users use the electronic financial transaction service so that the users can check the important details of these terms and conditions.
    2. The company shall distribute to the users a copy of this Agreement by sending electronic documents at the request of the users.
    3. When the company changes the terms and conditions, it notifies the users by posting the terms and conditions on the company's website and on the initialization face of the electronic financial transaction service provided by the company before the effective date.
  4. Article 4 (Type of e-payment payment agency service)

    The e-payment payment agency service provided by the company is distinguished according to the payment method as follows:

    1. Credit card payment agent service: In case the payment method provided by the user for payment is a credit card, the company sends/receives credit card payment information through the electronic payment system and acts or mediated settlement of the payment amount
  5. Article 5 (Contents of the Payment Reservation Service)
    1. User (If the user agrees, include the person to be supplied with the goods, etc. as in this section below) shall notify the company of the receipt of goods or other supplies within three working days from the date of delivery.
    2. The company shall pay the payment amount to the mailing vendor within the specified time frame between the company and the mailing vendor after receiving a notification from the user that the goods were supplied.
    3. The company can make payment to the mail-order vendor without the user’s consent in case the user does not notifiy the company of the fact that he/she received the supplies without justifiable reason until after 3 business days has passed from the date of receipt of goods
    4. The company shall refund the payment amount to the user if a refund is received from the user before paying the payment to the mail-order vendor.
    5. The company can establish payment reserve service terms and conditions separately from these terms in order to determine specific rights and obligations related to the use of the payment reserve service with the users.
  6. Article 6 (time of use)
    1. In principle, the company provides electronic financial transaction services to the users 365 days a year, 24 hours a day. However, the issuer of financial institutions and other payment methods can decide differently.
    2. In the event that service interruption is inevitable due to repair of information and communication facilities, inspection or other technical needs, or the circumstances of the issuer of financial institutions and other payment means, the company may suspend the service after posting the service interruption through electronic means that can be posted three days before the service interruption. However, if it is inevitable for the system to fail, urgent program repair, and external factors, the service can be discontinued without pre-posting.
  7. Article 7 (Selecting, using and managing access medium)
    1. When providing electronic financial transaction services, the company can select an access medium to check the identity, authority, and transaction order of the user
    2. The user shall not lend or delegate access media to a third party or provide it for transfer or collateral purposes
    3. The users shall not leak, expose, or leave their access media to a third party and shall take sufficient care to prevent the theft, forgery or tampering of the access medium.
    4. The company shall be responsible for compensating the user for damages caused by the use of the access medium by a third party when the user receives notification of loss or theft of the access medium from the user.
  8. Article 8 (Confirmation of transaction details)
    1. The company allows users to check their transaction details (including the user's 'error correction requirements and handling results') through the electronic method agreed with the user in advance. In case of a request by the user, the company sends a written message about the transaction contents by sending a letter within two weeks from the date of receipt of the request.
    2. Of the transaction details provided to users by the company, information indicating the name or number of the transaction account, type and amount of the transaction, information indicating the other party, transaction date, type of electronic device, and access records of electronic devices related to the electronic financial transaction are recorded for five years, the transaction approval of small electronic financial transactions, transaction amount of less than 10,000 won per transaction amount per transaction, transaction approval when using electronic payment method, the information concerning the users' error correction requirements and the result of processing is subject to a one-year period, but excluded from the transaction details provided by the company regarding the merchant's fees received in return for providing e-payment payment agency services
    3. If the user requests a written delivery as specified in paragraph 1, the user may request the following address and phone number.
      Address: 9th FL, SH Tower, Bong Eun Sa ro 331, Gangnam-gu, Seoul 06103, South Korea
      E-Mail Address: operation@eromnet.com
      Phone Number: 02-2088-7011
  9. Article 9 (correcting errors, etc.)
    1. The user may request the company to correct any errors in using the electronic financial transaction service
    2. If the company receives a correction request for errors according to the provisions of the previous paragraph, it will investigate the request immediately, deal with it, and notify the user of the result within two weeks from the date of receiving the correction request.
  10. Article 10 (Company Responsibilities)
    1. The company is liable for damages caused to users through accident(s) from forging or tampering with the access medium. However, if the user leaks, exposes, or neglects his or her access medium, the user may be responsible for all or part of the liability in violation of Article 7 paragraph 2 despite knowing or not knowing that a third party can conduct electronic financial transactions using the user’s access medium without authority
    2. The company is responsible for compensating damages incurred by users in the event of damages caused by electronic transmission or processing of contract or transaction orders. However, in the event of damages to users who fall under the first paragraph of this Article or are a corporation (excluding small businesses under Article 2 subparagraph 2 of the Fundamental Law of Small and Medium Businesses), the user may assume all or part of its responsibilities if the company has fulfilled its reasonably required care obligations, such as establishing security procedures and thoroughly complying with them, to prevent accidents
    3. The company shall not be held liable for the use of natural disasters, power outages without reasons attributable to the company, fire, or communication disturbance, (including notification by a financial institution or a payment method issuer or a mailing vendor) in the event that the user is not treated or is delayed due to an unavoidable cause.
    4. The company shall be responsible for compensating users for damages caused by an accident caused by the use of access medium obtained in a false or other unjust manner by invading the information and communication network pursuant to Article 2 paragraph 1 subparagraph 1 of the Act on the Promotion of Information and Communication Network Utilization and Information Protection for Electronic Financial Transactions.
  11. Article 11 (Electronic Payment Transaction Agreement Effect)
    1. The company shall substitute the payment procedure when the user's transaction order is related to electronic payment transactions, and send the transaction order concerning electronic payment transactions so that payment can be made.
    2. The company shall return the funds received to the users when the payment transaction has not been made according to the transaction order regarding the users' e-payment transaction
  12. Article 12 (Retraction of the Transaction Order)
    1. In the case of an electronic payment transaction order, the user can withdraw the transaction order until the payment becomes effective
    2. The effective time of payment in the preceding paragraph is (i) in the case of an electronic fund transfer, at the end of the deposit record in the account led by the financial institution in which the recipient's account is opened for the information of the amount directed to the transaction (ii) When payment is made by other means of electronic payment, the amount of information directed to the transaction is entered into the electronic device of the financial institution where the recipient's account is opened.
    3. In the event that payment takes effect, the users may receive payment payment in accordance with the method of withdrawal of subscription or Article 5 of this Agreement in accordance with the relevant statutes, including the Act on Consumer Protection in e-commerce
  13. Article 13 (Creating and preserving records of the use of e-payment agency services)
    1. The company generates and preserves records that allow users to track, search for, or correct the contents of electronic financial transactions in the event of errors
    2. The types and methods of preservation of records that the company shall preserve in accordance with the provisions of the preceding paragraph shall follow as provided in Article 8 paragraph 2
  14. Article 14 (Prohibition of the provision of electronic financial transaction information)

    In providing electronic financial transaction services, the company shall not provide, divulge, or use information or data about the acquired users' personal information, their accounts, access media, or their performance to third parties without obtaining consent from the users

  15. Article 15 (Discussion handling and dispute settlement)
    1. The user may request the following dispute handling officers and officials in charge of handling disputes, such as raising opinions, complaints, and requesting damages regarding the use of electronic financial transaction services
      - Person in charge: Strategic Business Department / Kim Dong-Jae
      - Contact(Phone Number/Fax): 02-2088-7011/02-3448-2557
      - E-Mail: operation@eromnet.com
    2. If a user applies for dispute settlement with the company, the company shall notify the user of the investigation or handling results within 15 days
    3. A user may apply to the Financial Dispute Mediation Committee of the Financial Supervisory Service pursuant to Article 51 of the Act on the Establishment, etc. of Financial Supervisory Organizations or the Consumer Protection Agency for dispute settlement concerning the use of the company's electronic financial transaction services under the provisions of Article 31 paragraph 1 of the Consumer Protection Act.
  16. Article 16 (The Company's obligation to secure stability)

    To ensure the safety and reliability of electronic financial transactions, the company complies with the criteria 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 of electronic financial transactions

  17. Article 17 (Other terms and conditions and regulations and jurisdiction)
    1. Matters not prescribed in this Agreement shall be in accordance with the consumer protection related statutes, such as the Electronic Financial Transactions Act, the Consumer Protection Act, the Communications Sales Act, and the Credit Finance Business Act
    2. The jurisdiction over disputes between the company and the users shall follow the provisions of the Civil Procedure Act.These terms and conditions will apply from May 1, 2019