【 Type A 】
Article 1 (Purpose)
The KOREA TRAVEL CARD Service Terms and Conditions (hereinafter referred to as "these Terms") aim to stipulate the necessary conditions, procedures, rights, obligations, and other necessary matters between REDTABLE Co., Ltd. (hereinafter referred to as "the Company") and individuals using the KOREA TRAVEL CARD service provided by the Company.REDTABLE operates the KOREA TRAVEL CARD service, while the payment system is operated by KONA I Co., Ltd. (KONA I Electronic Financial Business Registration Number 02-002-00037). The issuance of the KOREA TRAVEL CARD is conducted through KONA I, and member and payment information is shared and operated by both REDTABLE and KONA I. For reference, the terms and conditions for electronic financial transactions follow the terms and conditions of KONA I, the payment system operator.
[Kona I Transaction Terms and Conditions]
Article 2 (Definitions)
① The definitions of terms used in these Terms are as follows:1. "Prepaid Electronic Payment Means" refers to a transferable monetary value stored electronically and issued as a certificate or information about the certificate, which can be used to purchase goods and services from third parties other than the issuer (provided that the range of goods or services that can be purchased spans more than two industries).
2. "KOREA TRAVEL CARD" is a prepaid electronic payment means. The limit for prepaid electronic payment means is 500,000 KRW, and it is classified into named and unnamed.
a. Unnamed: Prepaid electronic payment means issued without real-name verification or not linked to a bank account.
b. Named: Prepaid electronic payment means issued with real-name verification or linked to a bank account.
3. The access medium for the "KOREA TRAVEL CARD" is an electronic card. "Access medium" refers to means or information used to ensure the authenticity and accuracy of transactions, users, and transaction details in electronic financial transactions.
4. "KOREA TRAVEL CARD Service" (hereinafter referred to as "Service") refers to the various services provided by the Company, such as card issuance, charging, payment, refund, and usage history inquiry, allowing users to purchase goods and services using the KOREA TRAVEL CARD as a payment medium.
a. Card Issuance: Users can apply for or purchase an electronic card issued by the Company during membership registration or through external distribution channels.
b. Charging: Transferring monetary value recognized as equivalent to cash to the KOREA TRAVEL CARD for purchasing goods and services. Users can register their electronic card in the KOREA TRAVEL CARD application or charge it at the Namane Card kiosk.
c. Payment: The act of purchasing goods or services at the Company's or affiliated merchants using the KOREA TRAVEL CARD. Users can make payments at merchants with the charged balance on the electronic card.
d. Refund: Returning the balance recorded on the KOREA TRAVEL CARD to the user according to the methods and procedures set by the Company. The charged amount on the transportation card can be transferred to the KOREA TRAVEL CARD for a full refund. Refund methods are divided into account refund and charge cancellation.
1). "Account Refund": Transferring the corresponding amount of the KOREA TRAVEL CARD balance to a bank account.
2). "Charge Cancellation": Canceling the entire unused balance within one week of charging the KOREA TRAVEL CARD.
e. Usage History Inquiry: Users can check the charging, payment, and refund history by registering their electronic card in the KOREA TRAVEL CARD application.
5. "KOREA TRAVEL CARD Service User" (hereinafter referred to as "User") refers to a person who has completed the agreement to these Terms and the terms and conditions provided by the affiliated company (hereinafter referred to as "Affiliated Terms") according to the standards set by the Company and/or the affiliated company and has been granted the right to use the KOREA TRAVEL CARD and/or affiliated services. Users are classified into members and non-members.
6. "Member" refers to a person who installs the application on a mobile device, agrees to these Terms, enters the information requested by the Company, and is approved for registration to use the service. Members can use all services of the KOREA TRAVEL CARD application.
7. "Non-member" refers to a person who purchases the KOREA TRAVEL CARD at a kiosk after agreeing to these Terms or installs the application, agrees to these Terms, and uses the services provided by the Company without registering as a member. Non-members cannot use the card management services within the KOREA TRAVEL CARD application but can check service information.
8. "KOREA TRAVEL CARD Application" (hereinafter referred to as "Application") refers to the application software operated by the Company or affiliated company that allows users to use the services provided by the Company on mobile devices.
9. "KOREA TRAVEL CARD Merchant" (hereinafter referred to as "Merchant") refers to facilities or businesses that apply for merchant membership according to the KOREA TRAVEL CARD Merchant Terms, sign a merchant contract with the Company, and provide payment or charging transaction services to users.
10. "KOREA TRAVEL CARD Reward" refers to the free rewards given to members according to the Company's policy when they charge a certain amount or more using the service or participate in promotional events. Members can exchange rewards accumulated above a certain standard for prizes or use them for event entries.
11. "Additional Services" refer to functions provided to members within the application, such as card product purchase and gifting, balance transfer, automatic recharge, loss report, temporary lock, registration of charging card/account, refund application, income deduction application, and remittance.
a. "Loss Report Service": A service that allows users to report the loss or theft of their KOREA TRAVEL CARD through the application or customer center, thereby suspending the use of the card. The Company is responsible for compensating for any damage caused to the user by a third party using the KOREA TRAVEL CARD after the loss or theft has been reported.
b. "Temporary Lock Service": A service that allows users to temporarily lock the use of their KOREA TRAVEL CARD through the application, making charging and payment services unavailable. Users can unlock the temporary lock status to use the charging and payment services as before.
c. "Income Deduction Application Service": A service that processes the card usage amount for income deduction according to the method set by the Company through the customer center.
d. "Online Mall": A service that allows users to purchase cards and products provided by the Company or affiliated companies through the application.
e. "Balance Transfer": A service that allows members to transfer all or part of the balance between multiple KOREA TRAVEL CARDs they own.
f. "Automatic Recharge": A service that allows users to connect a payment method to recharge the KOREA TRAVEL CARD through the application, automatically recharging a certain amount when the balance falls below a set standard amount or on a set date each month.
g. "Remittance Service": A service that allows members to send all or part of the balance of their KOREA TRAVEL CARD to another person's KOREA TRAVEL CARD or a designated account.
12. "Namane Kiosk" (hereinafter referred to as "Kiosk") provides services for purchasing cards offline or charging the card balance. Customers can tag their card at the kiosk to check the balance or charge it.
13. "Affiliated Company" refers to a business entity that enters into a card issuance partnership contract, application rental contract (ASP contract), or other service use contract with the Company to operate its business using the services provided by the Company. Services provided through affiliated companies include:
a. "Transportation Card Service": A service that allows users to pay for transportation or use and manage related services (charging, payment, etc.) at online and offline merchants of the affiliated company through an electronic transportation card.
② Terms not defined in this Article shall be governed by relevant laws, electronic financial transaction terms, and affiliated terms, and otherwise by general practices.
Article 3 (Effectiveness and Changes of Terms)
① These Terms apply to users who purchase and use the KOREA TRAVEL CARD through legitimate methods.② Upon the user's request, the Company shall provide a copy of these Terms to the user through electronic document transmission, email, fax, mail, or direct delivery (hereinafter referred to as "electronic document transmission, etc.").
③ If the Company intends to change these Terms, it shall specify the effective date and reasons for the changes and post them on the application screen, etc., from one month before the effective date. However, if the Terms are urgently changed due to legal amendments, the changed Terms shall be posted on the application screen, etc., for at least one month and notified to users through electronic document transmission, etc., after the fact.
④ In addition to the notice in Article 3, the Company may individually notify users of changes to the Terms through email, text message, or PUSH notification (hereinafter referred to as "email transmission, etc."). If it is difficult to individually notify users due to reasons such as the user not providing contact information or not informing the Company of changed contact information, the Company shall be deemed to have individually notified the user by posting the notice on the application screen, etc.
⑤ When the Company posts or notifies changes to the Terms, it shall inform users that they can terminate the contract before the effective date of the changed Terms if they do not agree with the changes, and that if they do not raise objections before the effective date, they will be deemed to have agreed to the changes. Users who do not agree with the changed Terms may stop using the service and terminate the service use contract with the Company. However, if the user does not explicitly express their objection to the changes before the effective date, they will be deemed to have agreed to the changes, and the changed Terms will apply.
⑥ Matters related to the agreement to the "Affiliated Terms" and the procedure for amending the terms shall be governed by the affiliated company's provisions.
Article 4 (Supplementary Provisions)
Matters not specified in these Terms shall be governed by the Act on the Regulation of Terms and Conditions, the Act on Consumer Protection in Electronic Commerce, the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Act on the Use and Protection of Credit Information, the Protection of Communications Secrets Act, the Telecommunications Business Act, and other relevant laws, other terms and conditions between the Company and the user, detailed usage guidelines for each service set by the Company, and general practices.Article 5 (Service Use Application)
① This service contract is established for users who purchase and use the KOREA TRAVEL CARD through legitimate methods.② The Company may withhold approval or cancel the service use contract afterward in the following cases:
1. If it is impossible to provide the service due to technical, security, or facility issues.
2. If the application is made using false information, such as using another person's name.
3. If the application is made with missing or incorrect information required by the Company's application form.
4. If a user who has been suspended from using the service under Article 10 arbitrarily terminates the contract during the suspension period and reapplies for the service.
5. If the user has a history of having the service use contract terminated due to a violation of these Terms.
6. If the application does not meet the Company's application requirements.
③ Users may apply for each additional service provided by the Company, and the application procedure and user qualifications shall be guided by the application screen.
④ Depending on the user's qualifications, some services may be restricted, and the user's qualifications and service usage range may change due to changes in the service, such as changing the name or terminating the mobile device, including mobile phones.
Article 6 (Service Use, Change, and Suspension)
① Users can apply for and use the service immediately according to the procedures set by the Company and the qualifications granted by the Company.② The service is available 24 hours a day, 365 days a year, in principle. However, the Company may restrict, change, or suspend all or part of the service for users in the following cases:
1. If there is a power outage, facility failure, or a surge in usage that hinders the normal use of the service.
2. If it is unavoidable due to facility inspection, maintenance, or development for the normal provision of the service.
3. If the service cannot be maintained due to the termination of the contract with the affiliated company or the Company's partner, or due to the Company's service operation, business circumstances, or legal obstacles.
4. If there are force majeure events such as natural disasters or national emergencies.
③ In the case of service restriction, change, or suspension, the Company shall notify users in advance of the reason, time, and period through the application screen, etc. However, if it is impossible to notify in advance due to reasons beyond the Company's control, such as facility failure caused without the operator's intention or negligence, the Company shall notify afterward.
Article 7 (Charging and Recharging)
① Users can charge the KOREA TRAVEL CARD by providing cash or monetary value recognized as equivalent to cash (account transfer, card, etc.) through the application or offline merchants, and the Company or a third party designated by the Company may charge a fee for providing the charging service.② Charging services may be restricted depending on the KOREA TRAVEL CARD merchant, or the charging function may be limited depending on the type of affiliated service.
③ If users recharge the KOREA TRAVEL CARD due to their own fault, they shall bear the cost within the actual cost range.
④ The Company may provide automatic recharge services to users in the following ways:
1. Automatically recharging a specified amount with the payment method selected in advance when the KOREA TRAVEL CARD balance falls below the minimum balance specified by the user.
2. Automatically recharging a specified amount with the payment method selected in advance on a specific date designated by the user each month. (However, if there is a limit on the KOREA TRAVEL CARD charging amount according to the Company's policy, charging may be restricted accordingly.)
⑤ The Company does not pay interest on the charged amount of the KOREA TRAVEL CARD. ⑥ The "prepaid card charging amount" is managed in trust by KONA I Co., Ltd. to protect user funds according to the Electronic Financial Transactions Act.
Article 8 (Remittance)
① Users can remit all or part of the KOREA TRAVEL CARD balance to a third party (another member or non-member) within the usage limit specified in these Terms.② Members must accurately enter the information of the recipient (another member or non-member) required by the Company when remitting the KOREA TRAVEL CARD balance, and the Company is not responsible for any issues arising from incorrect information. However, users can use the error remittance return procedure in Article 16-2.
③ The Company may allow the recipient (the person receiving the KOREA TRAVEL CARD balance) to verify the sender's name when remitting the KOREA TRAVEL CARD balance.
④ Members can use the KOREA TRAVEL CARD balance as a payment method for purchasing goods or services at merchants designated by the Company, according to the contract with the merchant. The Company shall inform members of the information about merchants where the KOREA TRAVEL CARD balance can be used for payment according to the method specified in Article 6.
Article 9 (Consent and Withdrawal of Collection Transfer)
① When a user consents to a collection transfer, they must provide consent through an electronic document that meets the requirements and methods provided by the Company.② The Company provides an electronic document consent method that meets the requirements and methods specified in the Electronic Financial Supervisory Regulations and submits the consent details received from the user to the Korea Financial Telecommunications & Clearings Institute and the relevant financial institution for the execution of the collection transfer.
③ Users can request the withdrawal of consent according to the previous paragraph before the withdrawal record is entered in the user's account ledger according to the Company's transaction instructions. Users can withdraw the consent for collection transfer by deleting the registered account through the application. However, users cannot raise objections to withdrawal transactions that occurred before the expression of withdrawal intention.
④ Persons under the age of 14 cannot use the collection transfer withdrawal consent.
Article 10 (Refund, Validity Period, etc.)
① The Company may set a validity period for the [KOREA TRAVEL CARD] in advance as follows, and users can use the [KOREA TRAVEL CARD] only within the validity period set by the Company.1. For electronic cards:
a. Five years from the date of issuance.
② Users shall process the extension of the validity period as follows:
1. For electronic cards:
a. Users cannot apply for an extension of the validity period within the validity period, and the Company shall notify users of the expiration in advance according to the Company's policy and confirm the renewal intention before reissuing the card at the user's request.
③ The Company shall notify users of the expiration of the validity period, card purchase, and balance transfer methods through the application, etc., at least three times, including seven days before the expiration of the validity period.
④ The Company shall refund the entire balance of the [KOREA TRAVEL CARD] without deducting fees in the following cases. However, if the case does not fall under the following categories and the user requests a refund due to a simple change of mind or requests a partial refund of the balance, the Company may refuse the refund or deduct fees before refunding.
1. If the user requests a refund of the entire charged or purchased amount within seven days from the date of charging or purchasing the [KOREA TRAVEL CARD].
2. If the [KOREA TRAVEL CARD] cannot be used due to force majeure events such as natural disasters, making it difficult for merchants to provide goods or services.
3. If the merchant cannot provide goods or services due to defects in the [KOREA TRAVEL CARD].
4. If the user requests a refund of the balance after using 60% or more of the charged or purchased amount of the [KOREA TRAVEL CARD] for purchasing goods or services based on the balance at the time of purchase or the last charging time.
⑤ The charged amount on the transportation card can be transferred to the [KOREA TRAVEL CARD] for a full refund. If the charged amount on the transportation card is refunded directly by the affiliated company, the refund conditions and methods shall follow the affiliated company's terms.
⑥ Refunds may be restricted in cases such as facility inspection, communication line failure, stabilization and maintenance work, or if it is determined to be for the purpose of cash flow. In such cases, the Company shall notify users of the separate refund procedures and methods through the application screen or customer center.
⑦ [KOREA TRAVEL CARDs] provided free of charge through events are excluded from refunds and are not included in the calculation of usage amounts in Article 10, Paragraph 4, Item 4. If the Company refunds the balance of the [KOREA TRAVEL CARD] to the user, the balance of the [KOREA TRAVEL CARD] provided free of charge shall expire if the validity period has expired.
⑧ If the validity period has expired but the statute of limitations has not been completed, users can request a refund of 90% of the balance of the [KOREA TRAVEL CARD] from the Company.
⑨ The Company is not responsible for any damage caused by the user designating the wrong refund account.
⑩ If the validity period of the [KOREA TRAVEL CARD] has expired or the user has deleted the [KOREA TRAVEL CARD] or terminated the service use contract, the previous usage history cancellation and refund processing are not possible. However, the Company shall notify the user of this fact before the card deletion or service use contract termination.
⑪ If five years have passed since the user purchased or charged the [KOREA TRAVEL CARD], the purchase and charging amount shall be subject to the statute of limitations, and the user cannot request a refund, balance return, or provision of goods or services from the Company.
Article 11 (Service Restriction, Suspension, and Contract Termination)
① The Company may restrict or suspend the user's service use and terminate the service use contract with the user by prior notice through email, text message, etc., in the following cases. However, in urgent cases, the Company may terminate the contract immediately and notify the user afterward.1. If the user uses the service with another person's name or personal information or interferes with another person's service use.
2. If the user uses the service for abnormal purposes such as cash flow.
3. If the user violates the obligations stipulated in these Terms and continues the violation despite the Company's correction request or sanctions. 4. If the user acquires or uses the [KOREA TRAVEL CARD] in a way not recognized by the Company.
② Users may apply for the termination of the service contract according to the termination procedure set by the Company. However, benefits (rewards, coupons, etc.) held by the user for free shall expire according to the Company's policy upon termination of the service contract. Benefits (rewards, coupons, etc.) held by the user for a fee can be refunded before the contract termination.
③ If a member who has terminated the service contract wishes to rejoin, rejoining may be restricted for a certain period according to the Company's policy, and benefits (rewards, coupons, etc.) held before the termination of the service contract shall not be linked to the new member account.
④ If a member repeatedly withdraws and rejoins for fraudulent or abnormal purposes, rejoining may be restricted according to the Company's policy.
Article 12 (Use and Termination of Additional Services)
① The detailed content, subscription procedure, usage fees, and conditions of additional services shall be guided by the application screen for each additional service.② The start time and availability of each additional service may vary, and the Company shall inform users of the service availability through the application screen or each additional service guide.
③ The usage fees for each additional service may change due to cost increases and other reasons, and the Company shall inform users of the changes through the application screen or each additional service guide.
④ Users may apply for the termination of individual additional services according to the termination procedure set by the Company, and the Company shall process the user's service termination application immediately unless there are special circumstances.
Article 13 (Company's Obligations)
① The Company shall provide the services requested by the user continuously and stably as stipulated in these Terms unless there are special circumstances.② The Company shall comply with the Act on the Regulation of Terms and Conditions, the Act on Consumer Protection in Electronic Commerce, the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Act on the Use and Protection of Credit Information, the Protection of Communications Secrets Act, the Telecommunications Business Act, and other relevant laws.
③ If the Company has matters to notify the user, it may individually notify the user through telephone or email transmission, etc. However, for unspecified multiple users, the Company may substitute individual notifications by posting them on the application screen.
④ The Company is responsible for compensating for any damage caused to the user by a third party using the access medium after the loss or theft of the [KOREA TRAVEL CARD] or mobile device, etc., has been reported by the user.
⑤ The Company is responsible for compensating for any damage caused to the user due to accidents such as forgery or alteration of the access medium, accidents occurring during the electronic transmission or processing of contract formation or transaction instructions, or accidents caused by the use of the access medium obtained through false or other fraudulent methods by intruding into the electronic device for electronic financial transactions or the information and communications network as defined in Article 2, Paragraph 1, Item 1 of the Act on Promotion of Information and Communications Network Utilization and Information Protection.
⑥ Despite Paragraph 5, the Company may hold the user responsible for all or part of the damage caused to the user in the following cases:
1. If the user lends, delegates, transfers, or provides the access medium to a third party for collateral purposes.
2. If the user leaks, exposes, or neglects the access medium, knowing or easily knowing that a third party can use the access medium without authorization.
3. If the user is a corporation (excluding small businesses as defined in Article 2, Paragraph 2 of the Framework Act on Small and Medium Enterprises) and the Company has established and thoroughly complied with security procedures to prevent accidents and has fulfilled the reasonable duty of care.
4. If the Company requested additional security measures for electronic financial transactions beyond the verification required by Article 6, Paragraph 1 of the Electronic Financial Transactions Act, but the user refused the Company's request without a valid reason, resulting in an accident as defined in Article 9, Paragraph 1, Item 3 of the Electronic Financial Transactions Act.
5. If the user engages in any of the following acts with the medium, means, or information used for additional security measures under Item 5, resulting in an accident as defined in Article 9, Paragraph 1, Item 3 of the Electronic Financial Transactions Act:
a. Leaking, exposing, or neglecting the medium, means, or information to a third party.
b. Lending or delegating the use of the medium, means, or information to a third party.
c. Transferring or providing the medium, means, or information to a third party for collateral purposes.
⑦ Despite Paragraphs 5 and 6, if there are other laws that can be applied more favorably to the user, those laws shall take precedence.
Article 14 (User's Obligations)
① Users shall provide or register accurate information when providing or registering information necessary for service use.② Users are responsible for managing the account and password registered for service use.
③ Users shall not engage in the following acts when using the service:
1. Providing false information when applying for or changing service use.
2. Impersonating others by using their personal information or falsely specifying relationships with others.
3. Damaging the reputation of others or causing disadvantages to others.
4. Distributing information that violates laws, public order, and morals to others.
5. Distributing false information to gain financial benefits for oneself or others or to cause harm to others.
6. Registering or distributing computer virus-infected data that causes malfunction of service-related facilities, information destruction, or system confusion.
7. Unauthorized use or leakage of personal information obtained in connection with the use of the service.
8. Other acts that violate laws or are unfair.
④ Users shall comply with relevant laws, these Terms, other terms and conditions between the user and the Company, service use guides and precautions posted on the application screen, and other notifications from the Company, and shall not interfere with the Company's operations.
⑤ Users shall not engage in business activities using the service, and the Company is not responsible for any disadvantages to users arising from such activities. If a third party suffers disadvantages due to such activities, the user may be held responsible.
⑥ Users shall cooperate with the Company to provide the service safely, and if the Company requests an explanation for the user's violation of these Terms, the user shall actively respond to the Company's request.
⑦ If the user engages in illegal activities or violates these Terms while using the service, causing the Company to suffer various disadvantages such as damage claims, preservation orders, or complaints from third parties, the user may be held responsible for compensating the Company for the damage caused.
Article 15 (Provision of Information and Advertisement Posting)
① The Company may post various information related to the Company's services or advertisements from the Company and affiliated companies on the application screen, etc., while operating the service. The Company may provide advertising information and member-customized information in the form of text messages or PUSH notifications, provided that there is prior consent to receive advertising information or as permitted by law.② If users communicate or transact with advertisers by using advertisements posted on the service screen or participating in promotional activities through the service, the legal relationship arises between the user and the advertiser, and the Company is not related to it. If a problem arises between the user and the advertiser, the user and the advertiser must resolve it directly, and the Company is not responsible for it.
Article 16 (Collection and Correction of Transaction Information)
① The Company may collect and retain the minimum transaction information necessary for the settlement, verification, and error correction of usage fees between the user and the merchant when the user uses the [KOREA TRAVEL CARD] to purchase goods and services, in accordance with relevant laws or with the user's consent. This information includes the [KOREA TRAVEL CARD] card number, transaction date and time, transaction amount, terminal, and merchant information.② Users can check the transaction details of the [KOREA TRAVEL CARD] through the "Transaction History Service" on the application screen, etc. Non-members may have limited access to transaction details. If an anonymous [KOREA TRAVEL CARD] user or a non-member wishes to check the transaction details, the Company may require the customer to follow a separate procedure and form for identity verification.
③ If a user finds an error in the transaction details they have checked, they can request a correction through the contact information provided in Article 20, Paragraph 1 of these Terms.
④ The Company shall review the transaction details within two weeks from the date of receiving the user's request for correction and notify the user of the results.
Article 16-2 (Matters Related to Erroneous Remittance)
① If a member mistakenly enters or inputs the wrong recipient financial institution, recipient account number, etc., resulting in the transfer of funds to the wrong recipient (hereinafter referred to as "erroneous remittance"), the member can notify the Company, which will then contact the recipient through the recipient financial institution, etc., to request the return of the erroneous remittance amount.② The Company shall inform the member of the contact status with the recipient, the recipient's intention to return the funds, and the reason if the recipient refuses to return the funds, within 15 days from the date the member notified the Company of the erroneous remittance.
③ If the recipient does not return the funds despite the request for return through the Company or the recipient financial institution, the member can apply for the erroneous remittance return support system through the Korea Deposit Insurance Corporation in accordance with Chapter 5 (Erroneous Remittance Return Support) of the Depositor Protection Act. (Applicable for erroneous remittances occurring after the enforcement date of the amended Depositor Protection Act on July 6, 2021). However, remittances through contact information, SNS member-to-member transactions, etc., where the Korea Deposit Insurance Corporation cannot obtain the recipient's real name, are restricted from applying for return support.
④ If the Korea Deposit Insurance Corporation requests the Company to provide information such as the reason for non-return, real name, address, and contact information of the erroneous remittance recipient, and the details of the erroneous remittance occurrence for the smooth execution of the erroneous remittance return support work, the Company shall comply unless there is a justifiable reason.
⑤ If the member's application for erroneous remittance return support through the Korea Deposit Insurance Corporation falls under any of the following categories, the support procedure may be suspended in accordance with relevant laws:
1. If the member applied for return support using false or fraudulent methods.
2. If it is confirmed by objective data that it is not an erroneous remittance.
3. If a lawsuit related to the erroneous remittance for which return support was applied is in progress or has been completed before the application date.
4. Other cases recognized by the Deposit Insurance Committee.
Article 17 (Disclaimer of Agency and Warranty)
① In transactions between members and third parties, the Company does not act as an agent for the member or the third party. Unless otherwise specified in the individual terms of use of the related service, none of the Company's actions shall be considered as acting as an agent for the third party or the member.② If the Company allows the use of third-party services through the [KOREA TRAVEL CARD], the provider of the service is the third party, and the Company provides a tool to deliver the information provided by the third party to the member. Services provided by third parties can be used only by members who have gone through the consent procedure for related additional terms through the [KOREA TRAVEL CARD].
③ The Company does not guarantee the existence and authenticity of the transaction intentions of the member or the third party, the quality, completeness, safety, legality, truthfulness of the information, non-infringement of third-party rights, or the truthfulness or legality of the information provided by the third party and the member in relation to the information exchanged between the member and the third party through the service.
Article 18 (Protection and Handling of User's Personal Information)
① In relation to the collection, use, and provision of the user's personal information, the Company complies with the Personal Information Protection Act, the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Act on the Use and Protection of Credit Information, and other relevant laws, and strives to protect the user's personal information or credit information.② The Company may use the user's personal information and service usage information collected with the user's consent at the time of the service use contract to provide optimized services for the user's needs and convenience, and to perform marketing activities such as new product or event information, and surveys. However, if the Company intends to use the information beyond the scope of the user's consent or provide it to a third party, the Company must obtain prior consent from the user, and the user may refuse the Company's request for consent.
③ The Company is not responsible for information exposed to the outside due to the user's fault.
④ If necessary to provide high-quality services, the Company may provide the user's personal information to affiliated companies or outsource it to business agents with the user's consent in accordance with the Personal Information Protection Act and other relevant laws.
Article 19 (Protection of Intellectual Property Rights)
① All intellectual property rights, including copyrights and patent rights, related to the text, design, and service content posted on the application screen provided to users, belong to the Company and affiliated companies or partners.② Users may not use the information obtained through the service for commercial purposes by publishing, broadcasting, distributing, reproducing, or other methods without the prior consent of the Company, nor may they provide or allow third parties to use it.
③ Users may be liable for damages caused by infringing the intellectual property rights of the Company or affiliated companies or partners.
Article 20 (Disclaimer)
① If a dispute arises between the affiliated company and the user due to the services provided by the affiliated company, the Company is not obligated to intervene and is not responsible for any damages resulting from the dispute. Additionally, the Company is not involved in transactions of goods, etc., between the affiliated company and the user and is not responsible for them.② The final judgment on the information obtained through the services provided by the Company and the use of the services is the responsibility of the user, and the Company is not responsible for any damages resulting from it.
Article 21 (Dispute Resolution and Mediation)
① Users can request dispute resolution, including opinions, complaints, and claims for damages related to the service, through the customer center contact information posted on the application screen or the contact information provided in Article 20, Paragraph 1.② If a user requests dispute resolution from the Company, the Company shall investigate or process the request and inform the user of the results within 15 days from the date of receipt.
③ If the user disagrees with the Company's dispute resolution results, the user can apply for dispute mediation related to the use of the Company's services to the Financial Dispute Mediation Committee of the Financial Supervisory Service under Article 51 of the Act on the Establishment, etc., of the Financial Services Commission or the Consumer Dispute Mediation Committee of the Korea Consumer Agency under Article 31, Paragraph 1 of the Framework Act on Consumers.
Article 22 (Resolution of Complaints and Jurisdiction)
① If users have legitimate opinions or requests related to the use of the service (e.g., loss report, refund inquiry, defective card report, etc.), they can present their opinions through the following contact information of the Company:1. Name: REDTABLE
2. Address: 11F, SIGNATURE TOWER(WEST),100,Cheonggyecheon-ro, Jung-gu, Seoul, Republic of Korea
3. Phone number: 02-6964-7955 4. Email: support@redtable.kr
② If the Company receives complaints related to the service from users, it shall process them promptly, and if prompt processing is difficult, it shall notify the user of the reason and the processing schedule.
③ If a dispute arises between the Company and the user regarding the use of the service, the Company and the user shall sincerely negotiate to resolve the dispute. However, if the dispute is not resolved through negotiation, both parties may file a lawsuit with the competent court under the Civil Procedure Act.
Addendum
Article 1 (Effective Date)
These Terms shall be effective from August 1, 2023.Article 2 (Interpretation Standard)
In case of any issues regarding the interpretation of these Terms, the Korean version of the Terms shall be the standard for interpretation.【 Type B 】
Article 1 (Purpose)
These terms and conditions of use (hereinafter referred to as "these terms") apply to individuals and companies using [the Korea Travel Card Service] provided by Red Table, Inc. (hereinafter referred to as the "Company", which may fall under the category of 'Affiliates' in the case of Red Table's own service). The purpose is to stipulate the conditions, procedures, rights, obligations, and other necessary matters needed for the use of [the Korea Travel Card Service]. Red Table is the entity operating [the Korea Travel Card Service] and the payment system is operated by Aiurora Co., Ltd. (Aiurora electronic finance business registration number 02-002-00079). The issuance of [the Korea Travel Card Service] is conducted through Namanet kiosk, and member information, payment information, etc. are shared and operated by both Red Table and Aiurora. Please note that the terms and conditions of electronic financial transactions follow the terms and conditions of electronic financial transactions of Aiurora Co., Ltd., the operator of the payment system.[Namane Electronic Financial Transaction Terms and Conditions]
Article 2 (Definition)
① The definitions of the terms used in these terms and conditions are as follows:"Prepaid electronic payment means" refers to a token or information about that token, which has transferable monetary value stored electronically, and can be used to purchase goods or services from a third party other than the issuer and pay for them (However, the scope of goods or services that can be purchased is more than two industries).
The [Korea Travel Card] is a prepaid electronic payment method. The limit of prepaid electronic payment methods is 500,000 won, and is divided into named and unnamed. a. Unnamed: A prepaid electronic payment method issued without real name verification or not linked to a deposit account. b. Named: A prepaid electronic payment method issued with real name verification or linked to a deposit account.
The access medium of the [Korea Travel Card] is an electronic card. "Access medium" refers to means or information used to instruct transactions or ensure the truthfulness and accuracy of users and transaction details in electronic financial transactions.
[Korea Travel Card Service] (hereinafter referred to as "Service") refers to a comprehensive service such as card issuance, charging, payment, refund, usage history inquiry, etc., provided by the company so that users can purchase goods and services using the [Korea Travel Card] as a payment medium. a. Card Issuance: Users can apply for or purchase an electronic card issued by the company when signing up or through external distribution channels to receive a card. b. Charging: Refers to storing the monetary value recognized as cash on the [Korea Travel Card] to use for purchasing goods and services, etc. Users can charge by registering the electronic card they own in the [Korea Travel Card] application or charging it at the [Namanet Card] kiosk. c. Payment: Refers to the act of purchasing goods or services with the [Korea Travel Card] at a franchise of the company or an affiliate. Users can pay with an electronic card at a franchise up to the charged balance. d. Refund: Refers to returning the balance recorded on the [Korea Travel Card] to the user according to the method and procedure set by the company. The charge of the transportation card can be refunded in full to the [Korea Travel Card]. The refund method is divided into account refund and charge cancellation. 1). "Account refund": Refers to transferring the corresponding amount of the balance of the owned [Korea Travel Card] to a bank account. 2). "Charge cancellation": If the [Korea Travel Card] balance is not used within one week after charging, all of the balance is cancelled. e. Usage history inquiry: Users can check the charge, payment, and refund history by registering the electronic card they own in the [Korea Travel Card] application.
"[Korea Travel Card] Service User (hereinafter referred to as "User")" refers to a person who has been granted the right to use the [Korea Travel Card] and / or "Affiliate Service" by completing the terms and conditions agreement and the terms and conditions (hereinafter referred to as "Affiliate Terms") provided by "Affiliates" according to the standards set by the "Company" and / or "Affiliates". It is divided into members and non-members.
"Member" refers to a person who installs the application on a mobile device or the like in accordance with the procedure set by the company, agrees to these terms and conditions, enters the information requested by the company, and is approved for membership to use the service. Members can use all services of the [Korea Travel Card] application.
"Non-member" refers to a person who purchases the [Korea Travel Card] after agreeing to these terms and conditions at the kiosk, or installs the application and agrees to these terms and conditions, and purchases or acquires an electronic card without becoming a member to use the services provided by the company. Non-members cannot use the card management service in the [Korea Travel Card] application and can check the service guide.
"[Korea Travel Card] Application (hereinafter referred to as "Application")" refers to application software operated by the company or an affiliate so that users can use the services provided by the company on mobile devices or the like.
"[Korea Travel Card] Affiliate (hereinafter referred to as "Affiliate")" refers to facilities or businesses that apply for affiliate membership under the [Korea Travel Card] affiliate terms, enter into a franchise agreement with the company, and provide payment transaction or charge transaction services to users.
"[Korea Travel Card] Reward" refers to the thing that is provided free of charge to members in accordance with the company's policy when members use the service and charge more than a certain amount or participate in promotional events. Members can exchange rewards accumulated over a certain standard for prizes, or use them when entering events.
"Additional Services" refer to functions provided to members within the application, including card product purchase and gifting, balance transfer, automatic recharge, loss report, temporary lock, registration of recharge card/account, refund request, income deduction request, and remittance.
"Loss Reporting Service": refers to a service that stops the use of the [Korea Travel Card] owned by the user by reporting the fact of loss or theft of the [Korea Travel Card] in a manner set by the company through the application or customer center. The company is responsible for compensating the user for the damage caused by a third party using the [Korea Travel Card] after the fact of loss or theft of the [Korea Travel Card] has been reported by the user.
"Temporary Lock Service": refers to a service that temporarily locks the use of the [Korea Travel Card] owned by the user through the application, and the [Korea Travel Card] that has been temporarily locked cannot use the recharge and payment services. Customers can unlock the [Korea Travel Card] to use the charge and payment services as before.
"Income Deduction Application Service": refers to a service that processes the application for income deduction for the card usage amount in a manner set by the company through the customer center.
"Online Mall": refers to a service that allows you to purchase cards and products provided by the company or affiliates through the application.
"Balance Transfer": refers to a service that allows a member who owns multiple [Korea Travel Cards] to transfer all or part of the balance between the [Korea Travel Cards].
"Automatic Recharge": refers to a service that connects a payment method to recharge the [Korea Travel Card] through the application, and automatically recharges a certain amount when the balance changes to the set standard amount or less or on a set date every month.
"Remittance Service": refers to a service that allows a member to send all or part of the balance of the [Korea Travel Card] they own to another person's [Korea Travel Card] or a separately designated account.
"Namanet Kiosk (hereinafter referred to as "Kiosk")" provides a service that allows you to purchase a card offline or recharge the card. Customers can tag the card on the kiosk to check or recharge the balance.
"Affiliate" refers to a business operator who enters into a separate service contract with the company, such as a card issuance partnership agreement or application rental contract (ASP contract), to conduct the affiliate's business using the services provided by the company. The services provided through the affiliate are as follows:
"Transportation Card Service": refers to a service that allows you to pay a transportation agency with whom you have entered into a contract through an electronic transportation card, or use and manage related services (charging, payment, etc.) at online and offline affiliates of other "affiliates".
② For terms used in these terms and conditions that are not defined in this clause, they shall follow the relevant laws, electronic financial transaction terms of use, and affiliate terms, and otherwise, they shall follow general customs.
Article 3 (Effect and Change of Terms)
① These terms apply to users who purchase and use the [Korea Travel Card] in a legitimate manner.② Upon request by the user, the company delivers a copy of these terms to the user by electronic document transmission, e-mail, facsimile, mail, or direct delivery (hereinafter referred to as "methods such as electronic document transmission").
③ If the company intends to change these terms, it will specify the effective date of the changed terms and the reason for the change, and post it on the application screen, etc. from one month before the effective date. However, in case of emergency changes to the terms due to amendments to laws, etc., the changed terms will be posted on the application screen, etc. for more than one month, and the users will be notified afterwards through methods such as electronic document transmission.
④ In case of change of the terms, the company can individually notify the users by methods such as e-mail, mobile phone text message transmission, or PUSH delivery (hereinafter referred to as "methods such as e-mail delivery"). In cases where individual notification to the user is difficult, such as when the user did not provide contact information or did not notify the company of the changed contact information, it is considered that individual notification has been made by posting it on the application screen, etc.
⑤ When the company posts or notifies in accordance with this clause, it notifies that the user can terminate the contract within the business day before the effective date of the changed terms from the date when the details of the change of the terms are posted or notified, and if the user does not object to the details of the change of the terms, it is considered that the user has consented to the details of the change. The user can stop using the service and terminate the service use contract with the company if the user does not agree to the changed terms in accordance with this clause. However, if the user does not explicitly express to the company the intention to refuse the change of the terms by the day before the effective date of the changed terms, it is considered that the user has agreed to the change of the terms, and the changed terms are applied.
⑥ The agreement and amendment procedure for the "Affiliate Terms" and other related matters follow the rules set by the respective "Affiliate".
Article 4 (Provisions Outside the Terms)
For matters not specified in these terms, the Act on the Regulation of Terms and Conditions, the Act on Consumer Protection in Electronic Commerce, etc., the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc., the Use and Protection of Credit Information Act, the Communications Secrets Protection Act, the Telecommunications Business Act, and other related laws, other terms agreed between the company and the user, detailed usage guidelines for each service set by the company, and common customs shall apply.Article 5 (Application for Service Use)
① The service contract applies to users who purchase and use the [Korea Travel Card], etc. in a legitimate manner.② The company may withhold approval or cancel the service contract afterwards in the event of a service application that falls under any of the following items: In case of technical, security, or facility problems that make it impossible to provide the service In case of applying falsely, such as using someone else's name instead of one's own If you omit or misidentify the details to be filled in on the application form required by the company In case a user who has been suspended from use by the company voluntarily terminates the use contract during the suspension period and applies for re-use If there is a history of service termination due to a violation of these terms in the past If the conditions for application set by the company are not met ③ Users can apply for use for each additional service provided by the company, and the application procedure and qualifications for the user's application follow the instructions on the application screen. ④ Depending on their qualifications, users may have restrictions on the use of individual services, and the qualifications for use and the scope of service use may change depending on service changes such as changes in the name of the user, termination, etc., including mobile devices including mobile phones.
Article 6 (Service Use, Change, and Interruption)
① Users can immediately apply for and use the service according to the procedure set by the company and the qualifications granted by the company.② The use of the service is based on the principle of being available 24 hours a day, 365 days a year. However, the company may limit, change, and stop some or all of the services to users in the following cases: If there is a problem with the normal use of the service due to power outages, equipment failures, and surges in usage Inevitable cases due to equipment inspection, maintenance, and development for the normal provision of services If the service cannot be maintained due to reasons such as termination of contracts with affiliates or business partners of the company, business circumstances of the company, or legal obstacles If there are other force majeure reasons such as natural disasters or national emergencies ③ In case of service restriction, change, and interruption, the company notifies users of the reasons, timing, and duration in advance through methods such as posting on the application screen. However, if it occurs due to reasons beyond the company's control, such as equipment failures without the operator's intention or negligence, and it is impossible to notify in advance, the company will notify afterwards.
Article 7 (Charge and Recharge)
① Users can charge the value by providing cash or monetary value recognized as the same as cash by the company (such as account transfer, card) and directly storing it in the [Korea Travel Card] through the application or offline affiliates, and the company or a third party designated by the company may charge a certain usage fee when providing the charge service.② Depending on the affiliate of the [Korea Travel Card], the charging service may be restricted, or the charging function may be restricted depending on the type of affiliated service.
③ In case of recharging the [Korea Travel Card] due to the user's fault, the user bears the cost within the actual expense.
④ The company can provide automatic recharge service to users in the following ways: Recharge the amount designated by the user's previously selected payment method when the balance of the [Korea Travel Card] drops below the minimum balance specified by the user Recharge the amount designated by the user's previously selected payment method on a specific date specified by the user (However, if there is a limit on the charge amount of the [Korea Travel Card] according to the company's policy, the charge is limited by this.)
⑤ The company does not pay interest on the charge amount of the [Korea Travel Card].
Article 8 (Remittance)
① Users can remit all or part of the [Korea Travel Card] balance to a third party (another member or non-member) within the usage limit of this agreement.② When remitting the [Korea Travel Card] balance, members must accurately enter the information of the other party (another member or non-member) as required by the company. The company is not responsible for problems caused by incorrect input of this information. However, you can use the misdirected remittance return procedure in Article 16-2.
③ The company may allow the other party (the recipient of the [Korea Travel Card] balance) to confirm the sender's name when remitting the [Korea Travel Card] balance.
④ Members can use the [Korea Travel Card] balance as a payment method for purchasing products or services at the franchisees presented by the company if allowed by the contract with the respective franchisee. The company informs members of the information about franchisees where they can make payments using the [Korea Travel Card] balance in the method specified in Article 6 of this agreement.
Article 9 (Agreement and Withdrawal of Direct Debit)
① When agreeing to a direct debit, users must provide consent through an electronic document in accordance with the method and requirements provided by the company.② The company provides a method of consent through an electronic document that meets the requirements set out in the electronic financial supervision regulations, and submits the consent details received from users to the Financial Payment Center and the relevant financial institutions, etc. for the execution of direct debit.
③ Users can request the company to withdraw the consent in accordance with the provisions of the preceding paragraph until the withdrawal record is entered in the user's account ledger according to the company's transaction instruction. Users can withdraw direct debit consent by canceling the registration of the account registered with the company through the application. However, users cannot object to the withdrawal that occurred before the expression of the intent to withdraw.
④ Persons under the age of 14 cannot use the direct debit withdrawal consent.
Article 10 (Refunds, Validity Period, etc.)
① The company can set the validity period for the [Korea Travel Card] as follows, and users can use the [Korea Travel Card] only within the validity period set by the company. For electronic cards a. 5 years from the date of issue② Users extend the validity period as follows. For electronic cards a. During the validity period, users cannot apply to the company for an extension of the validity period. Before the expiry of the validity period, the company informs users that the expiry is imminent, confirms the renewal intention, and can reissue the card at the user's request.
③ The company will notify users of the approaching expiry date, how to purchase a card, and how to transfer the balance, etc., through the application, etc., including a notice 7 days before the expiry date.
④ The company refunds the entire balance of the [Korea Travel Card] without deducting fees in the following cases. However, if it does not fall under the following cases and is due to the user's simple change of mind or a request for a refund of part of the balance, the company can refuse to refund or deduct fees before refunding. When requesting a full refund of the charge/purchase amount within 7 days from the date of charge/purchase of the [Korea Travel Card] When it is impossible to use the [Korea Travel Card] due to reasons such as natural disasters, making it difficult for franchisees to provide goods or services When the franchisee cannot provide goods or services due to a defect in the [Korea Travel Card] After using more than 60% of the balance of the [Korea Travel Card] that was normally purchased or recharged at the point of purchase or the final recharge point, when requesting a refund of the remaining balance
⑤ The balance charged on the transportation card can be fully transferred to the [Korea Travel Card] for a refund. If you get a refund of the balance charged on the transportation card directly from the partner, the refund conditions and methods follow the partner's terms and conditions.
⑥ Refunds may be limited in cases such as equipment inspections, poor communication lines, stabilization and maintenance work, technical and equipment problems, or when the refund is deemed for cash liquidity purposes. In this case, the company notifies users of separate refund procedures and methods through the application screen or customer center.
⑦ [Korea Travel Card] provided free of charge through events, etc., are excluded from the refund target, and are not included in the calculation of the usage amount in subparagraph 4 of paragraph 4 of this Article. Also, when the company refunds the balance of the [Korea Travel Card] to the user, the balance of the [Korea Travel Card] provided free of charge expires when the validity period expires.
⑧ For [Korea Travel Card] whose validity period has expired but the statute of limitations has not completed, users can request a return of 90% of the [Korea Travel Card] balance from the company.
⑨ The company is not responsible for any damages caused by the user incorrectly specifying their refund application account.
⑩ If the validity period of the [Korea Travel Card] has expired or the user has deleted the [Korea Travel Card] or terminated the service usage contract, it is not possible to process the cancellation and refund of previous usage histories. However, the company notifies users of this fact before deleting the card or terminating the service usage contract.
⑪ If 5 years have passed from the day the user purchased or recharged the [Korea Travel Card], the purchase and recharge amount will reach the statute of limitations, and the user cannot request the company for a [Korea Travel Card] refund, balance return, or provision of goods or services.
Article 11 (Limitation, Suspension, and Termination of Service)
① The company may limit or suspend the user's use of the service and may terminate the service contract with the user by notifying in advance through email, mobile text message, etc., if the user falls under any of the following items. However, in urgent cases, the company may terminate the service unilaterally and then notify the user. In case the user uses the service with other people's personal information or interferes with other people's use of the service. In case the user uses the service for abnormal purposes such as cash transactions. In case the user violates the obligations stipulated in these terms and conditions and does not stop violating actions even after receiving the company's correction request or sanctions. In case the user acquires or uses the [Korea Travel Card] in a way that the company does not recognize.② The user can apply for termination of the service contract according to the termination procedure set by the company. However, when the service contract is terminated, benefits (rewards, coupons, etc.) held by the user for free will be extinguished according to the company's policy. Benefits (rewards, coupons, etc.) held by the user for a fee can be terminated after the refund process.
③ If a member who has terminated the service contract wishes to rejoin, rejoining may be impossible for a certain period according to the company's policy, and benefits (rewards, coupons, etc.) held before the termination of the service contract are not connected to the new member account.
④ If a member repeatedly withdraws and rejoins for an unjust or abnormal purpose, rejoining may be impossible according to the company's policy.
Article 12 (Use and Termination of Additional Services)
① The detailed contents, subscription procedures, usage fees and conditions, etc. of additional services are guided by each additional service on the application screen.② The start and available time of each additional service may vary, and the company notifies the user of the service available time, etc. through announcements on the application screen or guides for each additional service.
③ The usage fee for each additional service can be changed due to cost increases and other reasons, and the company informs the user of the changes through announcements on the application screen or guides for each additional service.
④ The user can apply for the cancellation of individual additional services according to the cancellation procedure set by the company, and the company immediately processes the user's service cancellation request unless there are special circumstances.
Article 13 (Company's Obligations)
① Unless there are special circumstances, the company is obligated to continuously and stably provide the service requested by the user in accordance with the provisions of these terms and conditions.② The company complies with related laws and regulations such as the law on the regulation of terms and conditions, the law on consumer protection in e-commerce, the electronic financial transactions act, the act on the promotion of information and communication network utilization and information protection, the law on the use and protection of credit information, the telecommunications secrecy protection act, and the telecommunications business act.
③ If the company has a matter to notify the user, it can notify individually through methods such as wired or email transmission. However, in the case of notifying an unspecified number of users, the company can replace individual notifications by posting on the application screen, etc.
④ The company is responsible for compensating for the damage caused to the user after the loss or theft of the [Korea Travel Card] or mobile device, etc., which are access media, has been reported and a third party uses that access media.
⑤ The company is responsible for compensating for the damage caused to the user in case of an accident caused by forgery or alteration of the access media, an accident occurring in the process of electronically transmitting or processing contract conclusion or transaction instructions, an accident caused by the use of the access media obtained by invading the information and communication network according to the 'Act on Promotion of Information and Communication Network Utilization and Information Protection' Article 2, Paragraph 1, Item 1, by false or other fraudulent methods.
⑥ Notwithstanding Paragraph 5, the company may have the user bear all or part of the responsibility for damages incurred to the user due to any of the following reasons. When a user lends an access medium to a third party, entrusts the use of it, or provides it for transfer or security purposes. When a user leaks, exposes, or neglects his or her access medium despite knowing or being able to easily know that a third party can conduct electronic financial transactions using the user's access medium without authorization. In case of damage to a user who is a corporation (excluding small businesses pursuant to Article 2, Paragraph 2 of the 「Basic Small and Medium Business Act」), the company establishes security procedures to prevent accidents, and is reasonably required, such as strict compliance. When you have fulfilled your duty of care The company requested additional security measures for electronic financial transactions in order to enhance security in addition to the confirmation pursuant to Article 6, Paragraph 1 of the Electronic Financial Transactions Act, but the user refused the request of the company without justifiable reasons, and thus Article 9, Article 1 of the Electronic Financial Transactions Act. In case of an accident referred to in subparagraph 3 An accident pursuant to Article 9, Paragraph 1, Subparagraph 3 of the Electronic Financial Transactions Act by a user engaging in any of the following acts with respect to the media, means, or information used for additional security measures pursuant to subparagraph 4 If it occurs Leaked, exposed, or neglected to a third party The act of lending or entrusting its use to a third party Transferred to a third party or provided for the purpose of collateral
⑦ Despite Paragraphs 5 and 6, if there are other laws that can be applied more favorably to the user, the company will prioritize and apply them.
Article 14 (User's Obligations)
① Users must provide or register accurate information that matches the facts when providing or registering necessary information for the use of the service.② Users are responsible for managing the account and password registered for the use of the service.
③ Users must not engage in the following actions when using the service: Providing false information when applying for or changing the use of the service Impersonating others by using their personal information and falsely stating relationships with others Damaging the reputation of others or causing them harm Distributing information that violates laws, public order, and good morals to others Circulating false information with the intention of gaining financial benefits for oneself or others, or causing harm to others Registering or distributing data infected with a computer virus that causes malfunction of service-related equipment, destruction of information, and system confusion Unauthorized use or leakage of personal information of others obtained in relation to the use of the service Other actions that violate laws or are unfair
④ Users must comply with relevant laws, the provisions of these terms and conditions, the provisions of other agreements made with the company, service usage guidelines and precautions announced on the application screen, and other matters notified by the company, and must not interfere with the company's business.
⑤ Users cannot conduct business activities using the service, and the company is not responsible for any disadvantages caused by this. If this causes harm to a third party, the user may be held responsible.
⑥ Users must cooperate with the company to ensure the safe provision of the service, and if the company discovers a violation of these terms by the user and requests the user to explain the violation, the user must actively respond to the company's request.
⑦ If the company suffers any disadvantage or damage from a third party due to illegal activities or violations of these terms by the user while using the service, the user may be liable for the damage caused to the company.
Article 15 (Provision of Information and Advertisement Placement)
① The Company may post various information related to the Company's services or advertisements of the Company and its affiliates on the application screen or other service screens. The Company may provide advertising information and personalized information to members via text messages or in PUSH format, provided that this is only offered in cases where there is prior consent to receive advertising information or as permitted by law.② If a user utilizes the advertisements posted on the service screen or communicates or transacts with advertisers through methods such as participating in promotional activities via the service, this constitutes a legal relationship between the user and the advertiser, and is not related to the Company. If any problems arise between the user and the advertiser, they must be resolved directly between the two parties, and the Company bears no responsibility in relation to this.
Article 16 (Collection and Correction of Transaction History Information)
① In accordance with relevant laws or with the user's consent, the Company may collect and retain the minimum transaction history information necessary for settlement, verification, and error correction of usage fees between the user and the merchant, such as the [Korea Travel Card] card number, transaction date and time, transaction amount, terminal and merchant information, when the user uses the [Korea Travel Card] to purchase goods or use services.② Users can check their [Korea Travel Card] transaction history through the "Transaction History Inquiry Service" on the application screen, etc., and non-members may have limited access to transaction history. If an anonymous [Korea Travel Card] user or non-member wishes to check their transaction details, the Company may require them to complete a customer identification procedure and a separate form.
③ If a user finds an error in the transaction history they have checked, they can request a correction through the contact information listed in Article 20, Paragraph 1 of these Terms and Conditions.
④ The Company will review the transaction history and notify the user of the results within 2 weeks from the date of receiving a request for correction of transaction history errors from the user.
Article 16-2 (Matters related to mistaken transfers)
① If a member mistakenly enters or writes down the recipient's financial institution, account number, etc., causing funds such as prepaid electronic payment methods to be transferred to the recipient (hereinafter referred to as 'mistaken transfer'), the member can notify the company and request the return of the mistaken transfer amount through the company or the recipient's financial institution.② The company must inform the member of the contact with the recipient, the recipient's intention to return, the reason if the recipient does not intend to return, the processing result or progress of the member's request within 15 days from the day the member notified the company of the 'mistaken transfer'.
③ If the recipient does not return the funds despite the request for return of the mistaken transfer through the company or the recipient's financial institution, the member can apply for the use of the mistaken transfer return support system according to Chapter 5 of the Depositor Protection Act (support for return of mistaken transfers). (Applications can be made for mistaken transfers that occurred after the implementation date of the revised Depositor Protection Act, July 6, 2021) However, transactions where the Korea Deposit Insurance Corporation cannot acquire the actual name of the recipient, such as transfers via contact information, transfers between SNS members, etc., are limited in applying for return support.
④ If the Korea Deposit Insurance Corporation requests information such as the reason for the non-return of the mistaken transfer recipient, the actual name, address and contact information, and the status of the mistaken transfer occurrence for the smooth performance of the mistaken transfer return support work, the company must comply unless there is a legitimate reason.
⑤ If the member's application for mistaken transfer return support through the Korea Deposit Insurance Corporation falls under any of the following, the support procedure of the Korea Deposit Insurance Corporation may be suspended according to related laws. If the member applies for return support by false or unfair means If it is confirmed by objective data that it is not a mistaken transfer If a lawsuit related to the mistaken transfer for which return support was applied before the application date is in progress or has been completed In other cases recognized by the Deposit Insurance Committee
Article 17 (Denial of agency and guarantee)
① The company does not represent the member or a third party in transactions between the member and a third party. Unless otherwise specified in the individual terms and conditions of the related service, no action of the company shall be considered as representing a third party or a member.② If the company allows the use of a third party's service through [Korea Travel Card], the provider of the service is the third party, and the company provides a tool to deliver the information provided by the third party to the member. The services provided by the third party can be used only by members who have gone through the agreement process for related additional terms and conditions through [Korea Travel Card].
③ The company does not guarantee the existence and authenticity of the transaction intention of the member or the third party related to the information exchanged through the service, the quality, completeness, safety, legality, truthfulness of the information provided by the third party, non-infringement of others' rights, and the truthfulness or legality of the information provided by the third party and the member.
Article 18 (Protection and Handling of User's Personal Information)
① The company complies with all matters related to the collection, use, and provision of user's personal information in accordance with the Personal Information Protection Act, Electronic Financial Transactions Act, Act on Promotion of Information and Communications Network Utilization and Information Protection, and the Act on the Use and Protection of Credit Information. The company strives to protect the user's personal information and credit information.② The company may use the user's personal information and service-related information collected with the user's consent at the time of the service contract to provide services optimized for the user's needs and convenience, and to conduct marketing for the user's benefits such as new product or event information, surveys, etc. However, if the company wishes to use the information beyond the scope of the user's consent or provide it to a third party, it must obtain prior consent from the user. In this case, the user may refuse the company's request for consent.
③ The company is not responsible for information exposed to the outside due to the user's fault.
④ The company may provide the user's personal information to affiliates or entrust it to a business agency if necessary to provide quality services, in accordance with the Personal Information Protection Act and other related laws, after obtaining the user's consent.
Article 19 (Protection of Intellectual Property Rights)
① All intellectual property rights, including copyrights, patent rights, etc., related to the text, design, and service content posted on the application screen provided to the user, are owned by the company and its affiliates and partners.② Users may not use the information obtained through the service for profit-making purposes such as publishing, broadcasting, distributing, reproducing, etc., without the prior consent of the company, and may not provide or allow it to be used by third parties.
③ Users may be liable for damages arising from the infringement of the intellectual property rights of the company or its affiliates and partners.
Article 20 (Disclaimer)
① In case of a dispute arising between the user and the affiliate due to the service provided by the affiliate, the company has no obligation to intervene and is not responsible for any damages resulting from the dispute. Also, the company does not involve in transactions of goods, etc., between the affiliate and the user, and is not responsible for them.② The final judgment on the services and information obtained through the service provided by the company is to be made by the user, and the responsibility for this lies with the user. The company is not responsible for any damages arising from this.
Article 21 (Dispute Handling and Mediation)
① Users can request dispute resolution such as expressing opinions and complaints related to the service, and claims for damages through the customer service representative posted on the application screen or through the contact information listed in Article 20, Paragraph 1.② If the user requests the company to handle the dispute, the company will inform the user of the result of the investigation or processing within 15 days from the date of receipt of the request.
③ If the user has objections to the company's dispute resolution results, they can apply for dispute mediation related to the company's service use to the Financial Dispute Mediation Committee of the Financial Supervisory Service pursuant to Article 51 of the Act on the Establishment of the Financial Services Commission, or to the Consumer Dispute Mediation Committee of the Korea Consumer Agency pursuant to Article 31, Paragraph 1 of the Basic Consumer Act.
Article 22 (Resolution of Complaints and Jurisdiction)
① If users have legitimate opinions or requests related to the use of the service (such as reporting lost items, inquiring about refunds, reporting faulty cards, etc.), they can express their opinions through the following contact information of the company.Name: Red Table
Address: 7th Floor, Gayang Building, Myeongdong 3-gil 6, Jung-gu, Seoul
Phone number: 02-6964-7955
Email: support@redtable.kr
② If the company receives a user's complaint related to the service, it will promptly handle it, and if prompt handling is difficult, it will notify the user of the reason and schedule for handling.
③ If a dispute arises between the company and the user related to the use of the service, the company and the user will sincerely negotiate to resolve the dispute. However, if the dispute cannot be resolved despite the negotiation, both parties can file a lawsuit in the court of jurisdiction under the Civil Procedure Act.