Article 1 (Purpose)

The purpose of the NAMANE Card Service Terms and Conditions (hereinafter referred to as "these Terms and Conditions") is to prescribe the necessary conditions, procedures, rights, and obligations of the parties between individuals who use the NAMANE Card Service and the company regarding the use of the NAMANE Card Service provided by i-Aurora Co., Ltd. (hereinafter referred to as the "Company").  

Article 2 (Definition of Terms)

① The definitions of terms used in these Terms and Conditions shall be as follows:  

1. Prepaid Electronic Means of Payment refers to a certificate or information about a certificate issued with a transferable monetary value stored by electronic methods, which can be used to purchase goods or services from a third party other than the issuer and pay the consideration for them (provided that the scope of goods or services that can be purchased covers two or more industries).  

2. "NAMANE Card" is a prepaid electronic means of payment. The limit for the prepaid electronic means of payment is 500,000 KRW, and it is classified into registered and unregistered cards.  

   • A. Unregistered: A prepaid electronic means of payment issued without real-name verification or connection to a bank account.  

   • B. Registered: A prepaid electronic means of payment issued with real-name verification or connected to a bank account.  

3. The access medium for the "NAMANE Card" is an electronic card. "Access Medium" refers to means or information used in electronic financial transactions to issue a transaction instruction or to secure the truthfulness and accuracy of the user and transaction details.  

4. "NAMANE Card Service" (hereinafter referred to as the "Service") refers to all services provided by the Company, such as card issuance, charging, payment, refund, and transaction history inquiry, so that users can purchase goods and services using the NAMANE Card as a payment medium.  

   • A. Card Issuance: Users can apply for or purchase an electronic card issued by the Company upon signing up for membership or through external distribution channels to receive a card.  

   • B. Charging: Refers to transferring a monetary value recognized as equivalent to cash to a NAMANE Card and storing it so that it can be used to purchase goods and services. Users can register their electronic card in the NAMANE Card Application to charge it, or charge it at a NAMANE Card Kiosk.  

   • C. Payment: Refers to the act of purchasing goods or services with a NAMANE Card at a merchant of the Company or its affiliates. Users can make payments with the electronic card at a merchant up to the charged balance amount.  

   • D. Refund: Refers to returning the balance recorded on the NAMANE Card to the user in accordance with the methods and procedures determined by the Company. The charged amount of a transportation card can be entirely transferred to the NAMANE Card to be refunded. Refund methods are classified into two types: Account Refund and Charge Cancellation.  

     • 1) "Account Refund": Refers to transferring the relevant amount of the held NAMANE Card balance to a bank account.  

     • 2) "Charge Cancellation": Refers to canceling the entire balance if the NAMANE Card balance is unused within one week after charging.  

   • E. Transaction History Inquiry: Users can register their electronic card in the NAMANE Card Application to check their charging, payment, and refund histories.  

5. "NAMANE Card Service User" (hereinafter referred to as the "User") means a person who has completed agreeing to the Terms and Conditions and agreeing to the Terms and Conditions provided by an affiliate (hereinafter referred to as "Affiliate Terms") in accordance with the criteria set by the "Company" and/or the "Affiliate," thereby being granted the authority to use the "NAMANE Card" and/or the "Affiliated Service." Users are classified into members and non-members.  

6. "Member" refers to a person who installs the application on a mobile device, etc., in accordance with the procedures set by the Company, agrees to these Terms and Conditions, and inputs information requested by the Company to be approved for registration and use the Service. Members can use all services of the NAMANE Card Application.  

7. "Non-Member" refers to a person who purchases a NAMANE Card after agreeing to these Terms and Conditions at a kiosk, or purchases or acquires an electronic card to use the services provided by the Company after installing the application and agreeing to these Terms and Conditions, without registering as a member. Non-members cannot use the card management service within the NAMANE Card Application but can check announcements regarding the Service.  

8. "NAMANE Card Application" (hereinafter referred to as the "Application") refers to the application software operated by the Company or its affiliates so that users can use the services provided by the Company on mobile devices, etc.  

9. "NAMANE Card Merchant" (hereinafter referred to as the "Merchant") refers to a facility or business establishment, etc., that applies for merchant enrollment pursuant to the NAMANE Card Merchant Terms and Conditions and signs a merchant contract with the Company to provide payment transaction or charging transaction services to users.  

10. "NAMANE Card Reward" refers to rewards provided free of charge to a member according to the Company's policy when the member charges more than a certain amount using the Service or participates in promotional events, etc. Members can exchange rewards accumulated above a certain standard for prizes or use them when entering events.  

11. "Additional Services" refer to features provided to members within the Application, such as card product purchase and gifting, balance transfer, automatic recharging, loss reporting, temporary lock, card/account registration for charging, refund application, income deduction application, and remittance.  

• A. "Loss Reporting Service": Refers to a service where a user reports the loss or theft of their NAMANE Card through the Application or the customer center in a manner determined by the Company to suspend the use of the relevant card. The Company is liable to compensate for damages incurred by the user due to a third party's use of the NAMANE Card after the loss or theft of the NAMANE Card has been received from the user.  

• B. "Temporary Lock Service": Refers to a service where a user temporarily locks their NAMANE Card through the Application. A temporarily locked NAMANE Card cannot be used for charging and payment services. Customers can unlock the temporary lock status of the NAMANE Card to use the charging and payment services as before.  

• C. "Income Deduction Application Service": Refers to a service that processes income deduction applications for the card usage amount through the customer center in a manner determined by the Company.  

• D. "Online Mall": Refers to a service where users can purchase cards and products provided by the Company or its affiliates through the Application.  

• E. "Balance Transfer": Refers to a service where a member holding multiple NAMANE Cards can transfer all or part of the balance between NAMANE Cards.  

• F. "Automatic Recharging": Refers to a service where a payment method for recharging the NAMANE Card is connected through the Application so that a certain amount is automatically charged when the balance falls below a set criteria amount or on a set date every month.  

• G. "Remittance Service": Refers to a service where a member sends all or part of their NAMANE Card balance to another person's NAMANE Card or to a separately designated account.  

12. "NAMANE Card Kiosk" (hereinafter referred to as the "Kiosk") provides services to purchase cards offline or charge balances to cards. Customers can tag their cards on the kiosk to check balances or recharge.  

13. "Affiliate" refers to a business operator that enters into a separate service use contract with the Company, such as a card issuance affiliation contract or an application lease contract (ASP contract), to conduct the affiliate's business using the services provided by the Company. Services provided through affiliates are as follows:  

• A. "Transportation Card Service": A service that enables users to pay fares to transit authorities that have entered into contracts through electronic transportation cards, or use and manage related services (charging, payment, etc.) at other online/offline merchants of the "Affiliate"

② Among the terms used in these Terms and Conditions, those not defined in this Article shall follow relevant laws, the Terms and Conditions for Electronic Financial Transactions, and the Affiliate Terms, and otherwise follow general practices.  

Article 3 (Effect and Revision of Terms and Conditions)

① These Terms and Conditions apply to users who purchase and use the NAMANE Card through legitimate methods.

② Upon request from a user, the Company shall deliver a copy of these Terms and Conditions to the user via electronic document transmission, e-mail, facsimile, postal mail, or direct delivery (hereinafter referred to as the "Method of Electronic Document Transmission, etc.").

③ When the Company intends to amend these Terms and Conditions, it shall post the effective date and reasons for the amendment on the Application screen, etc., from one month prior to the effective date. However, if the Terms and Conditions are urgently changed due to revisions of laws, etc., the amended Terms and Conditions shall be posted on the Application screen, etc., for at least one month, and the user shall be notified ex post facto through methods such as electronic document transmission.

④ When the Terms and Conditions are amended, individual notice shall be given to users via e-mail, mobile phone text messages, etc. (hereinafter referred to as "E-mail Transmission, etc."), in addition to the public notice under Paragraph 3.

⑤ When the Company provides the notice or public posting under this Article, it shall notify the user that they may terminate the contract from the time the amendments to the Terms and Conditions are posted or notified until the business day preceding the effective date of the amended Terms and Conditions, and that if they do not raise an objection to the amendments, they shall be deemed to have approved the amended Terms and Conditions. Users who do not agree to the amended Terms and Conditions may stop using the Service and terminate the service contract with the Company. However, if the user does not explicitly express an intention to refuse the amendments to the Company by the day before the application date of the amended Terms and Conditions, they shall be deemed to have agreed to the amendments, and the amended Terms and Conditions shall apply.

⑥ General matters such as consent to the "Affiliate Terms" and the procedure for amending the terms shall follow the contract, agreement, or "Affiliate Terms" separately concluded with the relevant "Affiliate".  

Article 4 (Rules Outside the Terms and Conditions)

Matters not specified in these Terms and Conditions shall be governed by relevant laws, such as the Act on the Regulation of Terms and Conditions, the Act on the Consumer Protection in Electronic Commerce, etc., the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Credit Information Use and Protection Act, the Protection of Communications Secrets Act, and the Telecommunications Business Act, as well as other terms and conditions entered into between the Company and the user, detailed service guidelines set by the Company, and commercial practices.  

Article 5 (Application for Service Use)

① A contract for this Service is established for users who purchase and use the NAMANE Card, etc., through legitimate methods.

② The Company may withhold approval or subsequently cancel a service use contract in any of the following cases:  

1. When service provision is impossible due to technical, security, or facility problems.  

2. When applying falsely, such as using another person's name instead of one's own.  

3. When omitting or misentering required information in the application form requested by the Company.  

4. When a user whose service was suspended pursuant to Article 11 arbitrarily terminates the service contract during the suspension period and applies for reuse.  

5. When the user has a history of having their service contract terminated due to violations of laws, etc., in the past.  

6. When the application requirements set by the Company are not met. ③ Users can apply to use each additional service provided by the Company, and the application procedures and qualifications for the user shall follow the guidance on the Application screen. ④ Users may be partially restricted from using individual services depending on their qualifications, and their user qualifications and service usage scope may change due to changes in user names or termination of mobile devices, including mobile phones.  

Article 6 (Use, Change, and Suspension of Service)

① Users may immediately apply for and use the Service in accordance with the procedures and qualifications granted by the Company.

② In principle, the Service shall be available 24 hours a day, year-round. However, the Company may restrict, change, or suspend all or part of the Service to users in any of the following cases:  

1. When there is a disruption in normal service use due to power outages, equipment failures, or a surge in traffic.  

2. When unavoidable due to facility inspection, maintenance, or development for normal service provision.  

3. When the Service cannot be maintained due to the Company's service operations, business circumstances, or legal obstacles, such as the termination of a contract with an affiliate or a partner company of the Company.  

4. When there are other force majeure reasons such as natural disasters or national emergencies. 

③ In the event of service restriction, change, or suspension, the Company shall notify users by posting the reasons, date, and duration in advance on the Application screen, etc. However, if advance notice is impossible due to reasons beyond the Company's control, such as facility failures that occur without the intention or negligence of the operator, notice shall be given ex post facto.  

Article 7 (Charging and Recharging)

① Users may charge value by providing cash or monetary value recognized as equivalent to cash by the Company (account transfer, card, etc.) and storing it directly on the NAMANE Card through the Application or offline merchants, etc. The Company or a third party designated by the Company may collect a prescribed usage fee when providing the charging service depending on the case.

② Charging services may be restricted depending on the merchant of the NAMANE Card, or charging functions may be restricted depending on the type of affiliated service.

③ When a user recharges a NAMANE Card due to their own negligence, any accompanying expenses shall be borne by the user within the scope of actual costs.

④ The Company may provide automatic recharging services to users in the following manners:  

1. Recharging a designated amount using a pre-selected payment method when the balance of the NAMANE Card falls below the minimum balance designated by the user.  

2. Recharging a designated amount using a pre-selected payment method on a specific date designated by the user. (However, if there is a NAMANE Card charge limit according to the Company's policy, charging shall be restricted accordingly) . 

⑤ The Company does not pay interest on NAMANE Card charge amounts.  

Article 8 (Remittance)

① Users may remit all or part of their NAMANE Card balance to a third party (another member or non-member) within the limit of use under these Terms and Conditions.

② When remitting a NAMANE Card balance, members must accurately enter the information of the recipient (another member or non-member) requested by the Company, and the Company shall not be held liable for problems caused by misentering such information. However, the erroneous remittance return procedure under Article 16-2 may be utilized.

③ When remitting a NAMANE Card balance, the Company may allow the recipient (the person receiving the remitted NAMANE Card balance) to verify the sender's name.

④ Members may use the NAMANE Card balance as a means of payment and settlement for purchasing goods or services at merchants presented by the Company, provided it is permitted under the contract with the relevant merchant. The Company shall inform members about merchant information where payments can be made using the NAMANE Card balance through the method prescribed in Article 6 of these Terms and Conditions.  

Article 9 (Consent to and Withdrawal of Collection Transfer)

① When a user provides consent to a collection transfer, they must provide consent via an electronic document in accordance with the method and requirements provided by the Company.

② The Company provides a consent method via electronic documents that meet the requirements set forth in the Regulations on Supervision of Electronic Financial Transactions, and submits the consent details received from the user to the Korea Financial Telecommunications and Clearings Institute (KFTC) and relevant financial institutions for the execution of the collection transfer.

③ A user may request the Company to withdraw consent pursuant to the preceding paragraph until a withdrawal record is entered into the user's account ledger according to the transaction instructions of the Company. Users can withdraw their consent to the withdrawal transfer by deleting their registered account through the Application. However, the user cannot raise an objection regarding withdrawals that occurred prior to such expression of intent to withdraw.

④ Persons under the age of 14 cannot use the withdrawal consent for collection transfer.  

Article 10 (Refund, Validity Period, etc.)

① The Company may set a validity period for the NAMANE Card in advance as follows, and users may only use the NAMANE Card within the validity period set by the Company: 

1. In the case of an electronic card:  

   • A. 5 years from the date of issuance. 

② Users shall process the extension of the validity period as follows:  

1. In the case of an electronic card:  

   • A. A user cannot apply for an extension of the validity period within the validity period. Before the expiration of the validity period, the Company may notify the user of the scheduled expiration date according to its policy, confirm their intention to renew, and reissue the card upon the user's request. 

③ The Company shall notify the user of the approaching expiration, whether and how the validity period can be extended, and that the balance can be returned after the expiration of the validity period but before the completion of the extinctive prescription in accordance with the following points, via e-mail or text message at least three times, including a notification 30 days prior to the expiration date:  

• In the case of a prepaid electronic means of payment of 50,000 KRW or less: 90%   

• In the case of a prepaid electronic means of payment exceeding 50,000 KRW: 95%   

• In the case of a refund of accumulated points, mileage, etc.: 100% (limited to cases where a reward point system is operated) 

④ In any of the following cases, the Company shall refund the entire balance of the NAMANE Card without deducting any fees. However, if a user requests a refund for only a portion of the balance in cases that do not fall under any of the following, the Company may refuse the refund or refund the balance after deducting fees:  

• When a refund for the entire charged/purchased amount is requested within 7 days from the charging/purchase date of the NAMANE Card.  

• When it is difficult for a merchant to provide goods or services due to reasons such as natural disasters, making it impossible to use the NAMANE Card.  

• When a merchant fails to provide goods or services due to defects in the NAMANE Card.  

• When a user requests a refund of the remaining balance after using 60% or more of the NAMANE Card balance (based on the balance at the time of purchase or final charge) to purchase goods or services normally.  

• When merchants are reduced without justifiable grounds or the usage conditions are changed disadvantageously. 

⑤ The charged amount of a transportation card can be entirely transferred to the charged amount of a NAMANE Card to receive a refund. If the charged amount of a transportation card is refunded directly from an affiliate, the refund conditions and methods shall follow the affiliate's terms and conditions. 

⑥ Refunds may be restricted if technical or facility problems occur, such as facility inspections, telecommunication line failures, stabilization, and maintenance work, or if it is determined to be a refund for cash liquidation purposes. In such cases, the Company shall notify users of separate refund procedures and methods through the Application screen, etc. 

⑦ NAMANE Cards provided free of charge through events, etc., are excluded from refunds and are not included in the calculation of the usage amount under Paragraph 4, Item 4 of this Article. Furthermore, when the Company refunds the NAMANE Card balance to a user, any balance received free of charge shall expire when its validity period ends. 

⑧ After the expiration of the validity period (limited to cases where the extinctive prescription is not completed), the user may claim a refund from the Company for the unused balance recorded on the prepaid electronic means of payment, and the Company shall refund 90% or more of the balance (the amount that would have been payable if claimed before the expiration of the validity period; the specific ratio follows each item of Article 10, Paragraph 3). However, the return of accumulated points under Article 10, Item 3 is restricted to cases requested by the customer. 

⑨ The Company shall not be held liable for damages resulting from a user misdesignating their refund application account. 

⑩ If the validity period of a NAMANE Card expires, or if a user deletes a NAMANE Card or terminates the service use contract, past usage histories cannot be canceled or refunded. However, the Company shall notify the user of this fact prior to card deletion or service contract termination. 

⑪ Once 5 years have elapsed from the date a user purchased or charged a NAMANE Card, the extinctive prescription for the relevant purchase or charge amount is completed, and the user can no longer request the Company for a NAMANE Card refund, return of balance, or provision of goods or services. 

⑫ The Company must guide users on major matters related to extinctive prescription, including the fact that use and refunds are impossible after the completion of the extinctive prescription of prepaid electronic means of payment, in the form of a pop-up window or a summary agreement during transactions. 

⑬ The Company must notify users of the extinctive prescription completion date and the fact that the card cannot be used if left unused before completion, via e-mail or text message at least three times, including a notification 1 year prior to the completion of the extinctive prescription.  

Article 11 (Service Restriction, Suspension, and Contract Termination)

① The Company may restrict or suspend a user's service use if the user falls under any of the following cases, and may terminate the service use contract ex officio after giving advance notice via e-mail, mobile phone text message transmission, etc. However, in urgent cases, the contract may be terminated ex officio with ex post facto notice:  

1. When using the Service by using another person's personal information, such as their name, or disrupting another person's use of the Service.  

2. When using the Service for abnormal purposes, such as cash liquidation (financing).  

3. When a user fails to stop a violating act even after receiving a request for correction or sanctions from the Company for violating their obligations prescribed in these Terms and Conditions. 

② Users may apply to terminate the service contract in accordance with the termination procedures set by the Company. However, upon termination of the service contract, benefits held by the user free of charge (rewards, coupons, etc.) shall expire according to the Company's policy. Benefits held by the user for a fee (rewards, coupons, etc.) can be refunded before the contract is terminated. 

③ If a member who has terminated the service contract wishes to rejoin, re-registration may be impossible for a certain period according to the Company's policy, and benefits (rewards, coupons, etc.) held prior to the termination of the service contract will not be linked to the new member account. 

④ If a member repeatedly withdraws and rejoins for fraudulent or abnormal purposes, member re-registration may be impossible according to the Company's policy.  

Article 12 (Use and Termination of Additional Services)

① Detailed contents, registration procedures, usage fees, and conditions for additional services shall be governed by the guidance for each additional service on the Application screen.

② The commencement time and availability of each additional service may vary, and the Company shall inform users of the service availability time, etc., through public notices on the Application screen or guidance for each additional service.

③ Usage fees for each additional service may change due to rising costs or other reasons, and the Company shall inform users of such changes through notices on the Application screen, etc., or guidance for each additional service.

④ Users may apply to terminate individual additional services in accordance with the termination procedures set by the Company, and the Company shall immediately process the user's service termination application unless there are special circumstances.  

Article 13 (Obligations of the Company)

① Unless there are special circumstances, the Company has an obligation to continuously and stably provide the services applied for by the user as prescribed by these Terms and Conditions.

② The Company complies with relevant laws, such as the Act on the Regulation of Terms and Conditions, the Act on the Consumer Protection in Electronic Commerce, etc., the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Credit Information Use and Protection Act, the Protection of Communications Secrets Act, and the Telecommunications Business Act.

③ When the Company has a matter to notify to a user, it may provide individual notice via phone call or e-mail transmission, etc. However, if the matter does not significantly affect the user's rights and obligations, and for notices targeting an unspecified number of users, the Company may substitute individual notices by posting the matter on the Application screen, etc.

④ The Company is liable to compensate for damages incurred by a user due to a third party's use of an access medium after the loss or theft of the access medium, such as a NAMANE Card or a mobile device, has been received by the Company.

⑤ The Company shall be liable to compensate for damages incurred by a user due to accidents arising from the forgery or alteration of an access medium; accidents arising in the course of electronically transmitting or processing contract conclusions or transaction instructions; or accidents arising from the use of an access medium acquired through deceptive or other fraudulent means by intruding into electronic devices for electronic financial transactions or information and communications networks as defined in Article 2, Paragraph 1, Item 1 of the 'Act on Promotion of Information and Communications Network Utilization and Information Protection'.

⑥ Notwithstanding Paragraph 5, the Company may cause a member to bear all or part of the liability if it proves that the member engaged in any of the following acts intentionally or through gross negligence:  

1. When the user leases the access medium to a third party, delegates its use, transfers it, or provides it for the purpose of collateral.  

2. When the user leaks, exposes, or leaves their access medium unattended despite knowing or being easily able to know that a third party could engage in electronic financial transactions using the user's access medium without authorization.  

3. In the event that damages occur to a user who is a corporation (excluding small enterprises under Article 2, Paragraph 2 of the "Framework Act on Small and Medium Enterprises"), and the Company has fulfilled its reasonably required duty of care, such as establishing security procedures to prevent accidents and thoroughly complying with them.  

4. When the Company requests additional security measures during electronic financial transactions to enhance security in addition to the verification under Article 6, Paragraph 1 of the Electronic Financial Transactions Act, but the user refuses the Company's request without justifiable grounds, leading to an accident under Article 9, Paragraph 1, Item 3 of the Electronic Financial Transactions Act.  

5. When an accident under Article 9, Paragraph 1, Item 3 of the Electronic Financial Transactions Act occurs because the user performs any of the following acts regarding the media, means, or information used for the additional security measures under Item 5:  

   • A. Leaking, exposing, or leaving it unattended to/for a third party.  

   • B. Leasing it to a third party or delegating its use.  

   • C. Transferring it to a third party or providing it for the purpose of collateral. 

⑦ Notwithstanding Paragraphs 5 through 6, if there are other laws that apply more favorably to the user, those laws shall apply preferentially.  

Article 14 (Obligations of the User)

① When users provide or register necessary information to use the Service, they must provide or register information that matches the facts.

② Users bear the obligation to manage the account and password registered for service use.

③ Users shall not engage in any of the following acts when using the Service:  

1. Registering false facts when applying for or changing service use.  

2. Impersonating another person using another person's personal information, etc., and falsely stating relationships with others.  

3. Damaging the reputation of or causing a disadvantage to another person.  

4. Disseminating information, etc., whose contents violate laws, public order, and good morals to others.  

5. Distributing false information for the purpose of providing property benefits to oneself or others or causing damage to others.  

6. Registering or disseminating computer virus-infected materials that cause malfunctions of facilities related to the Service, destruction of information, or system confusion.  

7. Unauthorized misappropriation or leakage of another person's personal information acquired in connection with the use of the Service.  

8. Other acts that violate laws. 

④ Users must comply with relevant laws, the provisions of these Terms and Conditions, provisions of other terms and conditions entered into with the Company, service use guides and precautions posted on the Application screen, and other matters notified by the Company, and shall not engage in acts that disrupt the Company's business. 

⑤ Users cannot conduct business activities using the Service, and the Company shall not be held liable for any disadvantages incurred by users as a result. If a disadvantage occurs to a third party due to this, the user may be held responsible. 

⑥ Users shall cooperate with the Company so that the Company can safely provide the Service. If the Company discovers a user's violation of these Terms and Conditions and requests an explanation from the user regarding the relevant violation, the user must actively respond to the Company's request. 

⑦ If the Company receives various disadvantages or incurs damages, such as claims for damages, applications for provisional measures, or civil petitions raised by a third party, due to an illegal act or violation of these Terms and Conditions committed by a user while using the Service, the relevant user may bear an obligation to compensate for the damages incurred by the Company.   

Article 15 (Provision of Information and Placement of Advertisements)

① In operating the Service, the Company may display various information related to the Company's services or advertisements of the Company and its affiliates on service screens, such as the Application screen. The Company may provide advertising information and member-customized information in the form of text messages or PUSH notifications, which will only be provided if permitted by law, such as when there is prior consent to receive advertising information.

② A user's communication or transaction with an advertiser by using advertisements displayed on the service screen or participating in promotional activities through the Service is a legal relationship generated between the user and the advertiser, and has no relevance to the Company. If a problem arises between the user and the advertiser, the user and the advertiser must resolve it directly, and the Company shall not be held liable unless there is negligence on the part of the Company.  

Article 16 (Collection and Correction of Transaction History Information)

① In accordance with relevant laws or the user's consent, when a user purchases goods or uses services using a NAMANE Card, the Company may collect and preserve the minimum transaction history information required for settlement, verification, and error correction of usage fees between the user and the merchant, such as the NAMANE Card card number, transaction date and time, transaction amount, terminal and merchant information, etc.

② Users can check NAMANE Card transaction histories through the "History Inquiry Service," etc., on the Application screen, etc. In the case of non-members, verification of transaction history may be restricted. If an unregistered NAMANE Card user or a non-member wishes to verify transaction details, the Company may require the customer to make a request using a separate form along with identity verification procedures.

③ If a user discovers an error in the transaction history verified by themselves, they may request a correction through the contact information specified in Article 22, Paragraph 1 of these Terms and Conditions.

④ The Company shall review the transaction history within 2 weeks from the date of receiving a request for correction of transaction history errors from a user and notify the user of the results.  

Article 16-2 (Matters Regarding Erroneous Remittance)

① If a member erroneously enters or writes a recipient financial institution, recipient account number, etc., by mistake, causing funds such as prepaid electronic means of payment to be transferred to a recipient (hereinafter referred to as 'Erroneous Remittance'), the member may notify the Company and request a return of the erroneously remitted amount by contacting the recipient through the Company or the recipient financial institution, etc.

② The Company must inform the member of the processing results or related processing progress regarding the member's requests, such as the fact of contacting the recipient, whether the recipient intends to return the funds, and the reasons if the recipient refuses to return the funds, within 15 days from the date the member notified the Company of the occurrence of the 'Erroneous Remittance' under the preceding paragraph.

③ If the recipient does not return the funds despite requests for return of erroneous remittance through the Company or the recipient financial institution, the member may apply for the use of the erroneous remittance return support system to the Deposit Insurance Corporation in accordance with Chapter 5 of the Depositor Protection Act (Return Support for Erroneous Remittance). (Applications can be made for erroneous remittances that occurred after July 6, 2021, which is the effective date of the amended Depositor Protection Act) . However, transactions where the Deposit Insurance Corporation cannot acquire the real name of the recipient, such as remittances made via contact information or remittance transactions between SNS members, are restricted from applying for return support.

④ The Company must comply with requests from the Deposit Insurance Corporation for materials such as reasons for non-return by the recipient of the erroneous remittance, real name, address and contact information, and status of occurrence of erroneous remittance, for the smooth performance of erroneous remittance return support operations, unless there are justifiable grounds.

⑤ If a details sheet applied for by a member for erroneous remittance return support through the Deposit Insurance Corporation falls under any of the following cases, the support procedures of the Deposit Insurance Corporation may be suspended in accordance with relevant laws:  

1. When the member applies for return support through false or fraudulent methods.  

2. When it is confirmed by objective data that the transaction is not an erroneous remittance.  

3. When lawsuits, etc., related to the erroneous remittance applied for return support prior to the application date are ongoing or completed.  

4. Other cases recognized by the Deposit Insurance Committee.  

Article 17 (Disclaimer of Agency and Warranty)

① In transactions between a member and a third party, the Company does not represent either the member or the third party. Unless otherwise specified by the Company through individual terms of use for related services, no act of the Company shall be deemed an act of representing a third party or a member.

② When the Company enables the use of a third party's services through the NAMANE Card, the main subject providing the relevant service is that third party, and the Company merely provides a tool through which information provided by that third party is delivered to members. Services provided by a third party can only be used by members who have gone through the consent procedures for related additional terms through the NAMANE Card.

③ The Company does not warrant the existence or truthfulness of transaction intentions between a member and a third party regarding information exchanged through the services; the quality, completeness, safety, legality, or truthfulness of information regarding products provided by a third party; the non-infringement of third-party rights; or the truthfulness or legality of information provided by a third party or a member.  

Article 18 (Protection and Handling of User's Personal Information)

① Regarding general matters concerning the collection, use, and provision of users' personal information, the Company complies with matters prescribed by relevant laws, such as the Personal Information Protection Act, the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, and the Credit Information Use and Protection Act, and endeavors to protect users' personal information or credit information.

② The Company may utilize personal information of users collected with their consent upon entering into a service use contract and information related to service use to provide optimized services tailored to users' demands and convenience, and to perform marketing for user benefits such as guiding new products or event information, conducting surveys, etc. However, when intending to use information beyond the scope of the user's consent or provide it to a third party, prior consent must be obtained from the relevant user, and in this case, the user may refuse the Company's request for consent.

③ The Company shall not be held liable for information exposed externally due to reasons attributable to the user. ④ When necessary to provide high-quality services, the Company may provide a member's personal information to affiliates, etc., or entrust it to a business agency company after receiving the member's consent in accordance with relevant laws such as the Personal Information Protection Act.  

Article 19 (Protection of Intellectual Property Rights)

① All intellectual property rights, such as copyrights and patent rights, regarding phrases, designs, and service contents posted on the Application screen provided to users belong to the Company and partner companies, including affiliates.

② Users cannot use information obtained by using the Service for commercial purposes through publishing, broadcasting, distributing, reproducing, or other methods without prior consent from the Company, nor can they provide it to or let a third party use it.

③ Users may be held liable to compensate for damages arising from infringing upon the intellectual property rights of the Company or its partner companies, including affiliates.  

Article 20 (Indemnification Matters)

① In the event that a dispute arises between an affiliate and a user due to services provided by the affiliate, the Company has no obligation to intervene in this and shall not bear liability for damages resulting from the dispute. Furthermore, the Company does not involve itself in transactions of products, etc., between affiliates and users, and shall not be held liable for this unless there is negligence on the part of the Company. 

② The final judgment on services provided by the Company and information obtained by using the services must be made directly by the user, and the responsibility for that lies with the user themselves. The Company shall not be held liable for damages arising from this unless there is negligence.  

Article 21 (Dispute Handling and Mediation)

① Users may request dispute handling, such as raising opinions and complaints or claiming damages related to services, through a customer center representative posted on the Application screen, etc., or the contact information specified in Article 22, Paragraph 1.

② When a user requests dispute handling from the Company, the Company shall guide the user on the investigation or processing results within 15 days from the date of receiving the request.

③ If a user is dissatisfied with the results of the Company's dispute handling, they may apply for dispute mediation related to the use of the Company's services to the Financial Dispute Mediation Committee of the Financial Supervisory Service or the Consumer Dispute Settlement Commission of the Korea Consumer Agency.  

Article 22 (Resolution of Civil Petitions and Court of Jurisdiction)

① When users have legitimate opinions or requests related to service use (loss report reception, refund inquiries, defective card reception, etc.), they may present opinions through the Company's contact information below:  

1. Trade Name: i-Aurora Co., Ltd.  

2. Address: i-Aurora Customer Center, 2033 Nambusunhwan-ro, Dongjak-gu, Seoul, Zip Code 04382.  

3. Telephone Number: 1588 - 3073   

4. E-mail: help@i-aurora.co.kr ② In the event that a dispute arises between the Company and a user in connection with service use, the Company and the user shall sincerely consult to resolve the dispute. However, if the dispute is not resolved despite consultation, both parties may file a lawsuit in a court of jurisdiction under the Civil Procedure Act.  

Addenda

Article 1 (Enforcement Date)

These Terms and Conditions shall enter into force on June 21, 2026.