Terms of Service
Chapter 1 General Rules
Article 1 (Purpose)

The purpose of these Terms and Conditions is to stipulate basic matters such as the rights, obligations and responsibilities between and among the Company and its members, and the conditions and procedures for the use of the electronic financial transaction service and related services (hereinafter referred to as the “Service”) provided by Tomoarrow Corporation (hereinafter referred to as the “Company”).

Article 2 (Definition of Terms)

The terms used in these Terms are defined as follows.

  1. “Member” means a person who uses the services provided by the Company after receiving the Company's approval of the application for membership in accordance with these Terms.

  2. Tomoarrow App” means a virtual business place or service space set up by the Company to provide the Service using information and communication facilities such as computers or mobile information and communication facilities such as smartphones and tablets, and includes applications, web pages, APIs, etc.

  3. “Access medium” means a means or information specified in Article 2, No. 10 of the Electronic Financial Transactions Act that is used to instruct transactions or secure the truth and accuracy of users and transaction contents in electronic financial transactions, and refers to the means specified by the Company to use the electronic financial transaction service, such as a password registered with the Company, a membership number registered with a financial company or electronic financial business, a PIN, a certificate (including an electronic signature), etc.

  4. “PIN” means a combination of numbers or letters, biometric information, or equivalent means that the Member sets and enters directly into the Tomoarrow App for the purpose of verifying and identifying the Member's identity, authorizing transactions, and signing electronic signatures in connection with the use of the Service.

  5. “Electronic financial transaction” means a transaction in which the Company provides financial products and services through electronic devices (hereinafter referred to as ‘electronic financial business’) and the User uses them in an automated manner without face-to-face or communication with the Company's personnel.

  6. “Electronic payment instrument” means a payment instrument based on an electronic method as defined in Article 2 (11) of the Electronic Financial Transactions Act, including prepaid electronic payment instruments.

  7. “Electronic Payment Transaction” means an electronic financial transaction in which a person who provides funds to a company moves funds to a person who receives funds using an electronic payment method.

  8. “Transaction Instruction” means a Member's instruction to the Company to process an Electronic Financial Transaction in accordance with these Terms.

  9. “Electronic Device” means a device used to transmit or process electronic financial transaction information by electronic means, including automated teller machines, automated teller machines, payment terminals, portable devices such as computers, cell phones, tablets, and other devices that transmit or process information by electronic means.

  10. “Fee” means the cost charged by the Company to the Member in the course of the Member's use of the Company's services in accordance with the standards set by the Company.

  11. “Merchant” refers to any of the following persons.
    A person who provides goods or services to the User in a transaction by electronic payment method pursuant to a contract with the Company.
    A person who acts as an agent for a transaction by electronic payment method for a person who provides goods or services to a user under a contract with the Company, as defined in the Enforcement Decree of the Electronic Financial Transactions Act.

  12. “Outsourced Financial Company” means a credit card company that entrusts the Company with card collection services.

  13. “Products subject to recruitment service” refers to individual financial products operated by the entrusted financial company to which the Company has entrusted the business.

  14. “Posting” refers to information in the form of symbols, text, voice, sound, image, video, text, photos, videos, various files, or links posted on the Service by the Member when using the Service.

  15. “Electronic Signature” means information in electronic form attached to or logically combined with an electronic document and services related thereto for use in representing the identity of the signer who is a member through a certificate or the fact that the signer who is a member has signed the electronic document, such as by entering a PIN.

  16. “Error” means the failure of an e-financial transaction to be performed in accordance with these Terms or the Member's transaction instructions without the intention or negligence of the User.

Except as defined in this Article and other provisions of these Terms, the terms shall be as defined in relevant laws and regulations such as the Electronic Financial Transactions Act.


Article 3 (Effectiveness of Terms of Use and Approval of Changes)
  1. The Company shall post these Terms and Conditions prior to the Member's use of the Electronic Financial Transaction Service and shall ensure that the Member is aware of the important contents of these Terms and Conditions.

  2. Upon request of the Member, the Company shall provide a copy of these Terms and Conditions to the Member by electronic document transmission (including transmission by e-mail), photocopy transmission, mailing, or direct delivery.

  3. If the Member requests an explanation of the contents of the Terms, the Company shall explain the important contents of the Terms to the Member in any of the following ways.

    • Explaining the material contents of the Terms directly to the Member

    • Displaying the explanation of the material contents of the Terms in an easy-to-understand manner to the Member through an electronic device and receiving an indication from the Member through an electronic device that the Member is fully aware of such contents.

  4. When the Company changes the Terms and Conditions, the Company shall post the changed Terms and Conditions on the electronic device or Tomoarrow App through which the electronic financial transaction is conducted and notify the Member one month prior to the effective date. However, if the Member objects, the Company shall confirm that it has notified the Member of the change in the Terms in an appropriate manner.

  5. Notwithstanding Paragraph 4, if the Company urgently changes the Terms due to the amendment of laws and regulations, the Company shall post the changed Terms on the electronic device or Tomoarrow App for at least one month and notify the Member.

  6. When the Company posts or notifies the changed Terms pursuant to Paragraphs 4 and 5, the Company shall notify the Member that “If the Member does not agree to the change, the Member may terminate the contract from the date of posting or notification until the business day before the effective date of the changed Terms, and if the Member does not object to the change in the Terms, the Member shall be deemed to have approved the change in the Terms.”
    The member may terminate the e-finance transaction contract with the Company from the time the changes to the Terms are posted or notified until the business day before the effective date of the changes. If the Member does not object to the changes to the Terms within this period, the

  7. Member shall be deemed to have approved the changes to the Terms.

Article 4 (Conclusion of Service Use Agreement)
  1. The Service Use Agreement shall be concluded when a person who intends to become a member (hereinafter referred to as the “Subscriber”) provides the information required by the Company, electronically submits his/her intention to agree to these Terms and Conditions in accordance with the method designated by the Company, and the Company confirms the requirements of the following items and grants the use to the Subscriber.

    • The applicant must have an electronic device capable of running the Tomoarrow App, such as a computer, cell phone, or tablet.

    • The applicant must apply for membership in the applicant's own name and must pass the identity verification conducted through an identity verification organization.

  2. In order to use the services related to electronic financial transactions provided by the Company, the Member must additionally meet the requirements of the following subparagraphs. Members who do not meet the requirements of this paragraph may not be able to use all or part of the services provided by the Company or may be restricted in their use.

    • The applicant must have an account with a financial company that can make normal deposits and withdrawals, and must pass the account verification according to the method prescribed by the Company. In the future, the Company may require information other than a financial company account or authentication methods such as mobile phone occupancy authentication and biometric authentication for the provision of services and identity verification.

Article 5 (Consent and withdrawal of collection agency)
  1. When a member consents to a collection agency, he/she shall provide the consent in an electronic document in the manner and in accordance with the requirements provided by the Company. The main terms of the collection agency shall be in accordance with the terms and conditions of the supplementary terms of these Terms.

  2. The Company shall provide consent through electronic documents in a manner and requirements consistent with the requirements set forth in the Electronic Financial Supervision Regulations, and shall submit the consent received from the Member to the Financial Settlement Service, the relevant financial company, etc. for the execution of the collection service.

  3. The Member may request the Company to withdraw the consent under the provisions of the preceding Paragraph until the withdrawal record is entered in the Member's account ledger in accordance with the Company's transaction instructions. The Member may withdraw his/her consent to the withdrawal transfer by deregistering the account registered with the Company pursuant to Article 4, Paragraph 2 through the Tomoarrow App. However, a company or financial company may set a different time for withdrawal of consent in the case of transactions processed in bulk or transactions based on a reservation in accordance with an agreement with the member in advance.

  4. The Member may not dispute withdrawals that occurred before the Member's intention to withdraw.

Article 6 (Rejection of Application for Use Contract, etc.)

The Company may not approve the subscription application that falls under any of the following items. If the Company does not approve the subscription application, the Company shall notify the applicant.

  1. If the service is not available or cannot be provided due to technical reasons

  2. If there are any falsehoods, omissions, or errors in the information provided by the applicant at the time of application.

  3. The name of the application is not the name of the applicant.

  4. If an already registered member makes a duplicate application for membership.

  5. If a person under the age of 14 applies for use without following the procedures set forth in Article 7.

  6. In case of registration in the name of a corporation

  7. If a member who has been subjected to measures such as restrictions on service use by the Company applies for re-registration.

  8. In the case of a subscription application in violation of these Terms and Conditions, or in an unfair manner, such as an illegal method or a method that may threaten the stability of the Service.

  9. If the application cannot be accepted due to reasons attributable to the applicant, such as bypassing the VPN or performing abnormal operating system upgrades.

Article 7 (Special Rules for Subscription Applications by Persons Under 14 Years of Age)
  1. Persons under the age of 14 shall fully understand the purpose of collecting and using personal information and obtain the consent of their legal representative before applying for subscription and use of the Service, and shall provide the Company with the legal representative's information so that the Company can obtain consent from the legal representative to process personal information in accordance with applicable laws and regulations.

  2. The Company may take measures such as rejecting the application, restricting the use, or terminating the use contract for persons under the age of 14 whose consent to the processing of personal information is not confirmed or whose consent is suspected to be valid.

  3. The legal representative may request the Company to view, correct, or update the personal information of a person under the age of 14 or withdraw consent to the subscription application in accordance with the methods and procedures established by the Company. The methods and procedures established by the Company can be found in the Company's Privacy Policy.

Article 8 (Commencement of Use of the Service, Hours of Use and Fees)
  1. Upon the Company's acceptance of the applicant's application for use pursuant to Article 4, the applicant shall become a member of the service provided by the Company, and from this point on, the Company shall provide the services set forth in these Terms to such member.

  2. The Company may request the Member to fulfill procedures such as agreeing to additional terms and conditions, agreeing to collect and use information, etc. in order to provide additional services in addition to the services set forth in these Terms, and if such procedures are not completed, the Member may not be able to use all or part of the additional services. If the Member uses additional services, the additional terms and conditions or notices for each service shall take precedence over these Terms if they differ from these Terms.

  3. The use of the Service shall be available 24 hours a day, 7 days a week, 365 days a year, unless there are special business or technical difficulties of the Company. However, the Service may be suspended for a period of time determined by the Company due to the necessity of service operation such as service inspection, and some or all of the Services may be suspended for reasons such as the suspension of services of financial companies providing services in connection with the Company. If the Service is suspended, the Company will notify you in advance through the Tomoarrow App. However, if the Service is suspended due to reasons beyond the Company's control (failure without the Company's intention or negligence, system crash, etc.) and prior notice is not possible, the Company will notify the Member immediately after recognizing the reason.

  4. The Company may charge a fee for the use of the Service by the Member, and the fee shall be notified through the Tomoarrow App.

  5. If the Company changes the fee (rate) in Paragraph 4, the procedure in Article 3 shall apply.

Article 9 (Organization and Discontinuation of Services)
  1. The services provided by the Company shall consist of the following services. However, the scope and usage limits of the services provided may vary by member depending on whether the member meets certain requirements.

    • Electronic signature service

    • Other financial linkage services

    • Other services provided by the Company

  2. The Company may discontinue the Services in any of the following cases.

    • In the event of maintenance, replacement, or breakdown of facilities of the Company, its affiliates such as merchants, or its financial partners, or interruption of communication, etc.

    • When necessary for service upgrades and system maintenance, etc.

    • When there is an interruption in the normal use of the Service due to a power outage, failure of various facilities, or excessive usage.

    • If there is a substantial reason why the Company can no longer provide the Service, depending on the circumstances of the contract between the Company and a third party, such as the termination of the contract with a franchisee or other affiliate.

    • If the Company is unable to provide the Service due to filing for bankruptcy or initiation of corporate rehabilitation proceedings

    • If there are other force majeure reasons such as natural disasters, national emergencies, etc.

    • If the Company has specified the deadline for providing the Service in advance and the deadline has passed.

    • When necessary due to the enactment or amendment of laws and regulations, administrative guidance from regulatory authorities, policy changes, etc.

  3. If the Company suspends the service described in Paragraph 1 pursuant to Paragraph 2, in principle, the Company shall notify the member using the service in advance by the method specified in Article 23, Paragraph 1, and if the suspension of the service has a significant impact on the member, the Company shall notify the member individually by the method specified in Article 23, Paragraph 2. However, if the Service is interrupted due to reasons beyond the control of the Company (such as failure, system down, etc. without the intentional and negligent fault of the Company or the operator of the Tomoarrow Service) and prior notice is not possible, the Company may notify the Member immediately upon recognizing such fact.

  4. Notwithstanding Paragraph 2, in the case of the Services described in Paragraph 1, Item 6 that are not related to electronic financial transactions, the Company may change or discontinue the Services by providing prior notice in the manner prescribed in Article 23, Paragraph 1 if it is necessary for the operation or improvement of the Services.

  5. In the event that the Company changes or terminates a service that is provided free of charge, the Company shall not provide any compensation unless there is a special provision in the relevant laws and regulations.

Article 10 (Obligations of Members)
  1. The Member shall not engage in any of the following acts when using the Service.

    • Violate any relevant laws and regulations related to the use of the Service, including the Electronic Financial Transaction Act.

    • Any act that intentionally interferes with the normal operation of the Service, such as stating false facts or stealing other people's information when applying for use or applying for change to receive the Service.

    • Acts of stealing, storing, disclosing, or using information held by the Company for fraudulent purposes by means other than those normally provided by the Company.

    • Infringe on the Company's intellectual property rights, third party intellectual property rights, or other rights, or copy, reproduce, sell, resell, or transfer all or part of the contents of the Service components for commercial purposes of the Member or a third party without the consent of the Company.

    • Any act that can be reasonably suspected to be related to other crimes or acts prohibited by law (acts that can be suspected to be related to money laundering activities, acts that are judged to be abnormal financial transactions by the abnormal transaction detection system, etc.)

    • Any act of registering or disseminating computer virus-infected materials that cause malfunction of facilities related to the Service or destruction or confusion of information, etc.

    • Any act of hacking or using the Company's services for hacking

    • Other illegal or unfair acts (personal information theft, money laundering, third-party fraud, etc.)

  2. Members shall comply with relevant laws and regulations, the provisions of these Terms and Conditions, the user guide and notices posted on the Service, and matters notified by the Company, and shall not engage in any other acts that interfere with the Company's business.

  3. Members must use the Service by themselves and must not allow others to use the Service by transferring or lending electronic devices to others. Any breach of this is the responsibility of the Member.

  4. If a Member chooses an electronic signature in the form of a signature, signature seal, or notarized seal in accordance with these Terms, the electronic signature shall be effective as a signature, signature seal, or notarized seal.

Article 11 (Issuance of Access Media)
  1. When the Company issues an access medium, it shall issue it only upon the request of the Member and after verifying the identity of the Member.

  2. Notwithstanding the provisions of Paragraph 1, if the Company obtains the consent of the Member for the renewal or replacement of the access medium, the Company may issue the access medium even when there is no application or identification of the Member in any of the following cases.

    • In the case of obtaining written (including electronic documents with an electronic signature (meaning that the signer's real name can be verified)) consent from the member for renewal or replacement of the access medium that has not been used within six months prior to the scheduled date of renewal or replacement.

    • In the case of an access medium that has been used within the six months preceding the scheduled renewal or replacement issuance date, the member has been notified of the proposed issuance no later than one month prior to the scheduled date and that the member may object within 20 days, and there is no objection from the member.

  3. The Member shall proceed with reissuance and re-registration when the expiration date of the access medium expires in accordance with the policy of the company or other person who issued the access medium.

Article 11.2 (Selection and Management of Access Medium)
  1. The Company shall select, use, and manage the access medium for electronic financial transactions and verify the identity, authorization, and transaction instructions of the Member.

  2. In using the access medium, the member shall not engage in any of the following acts unless otherwise provided by other laws. The following shall not apply to the transfer or pledge of prepaid electronic payment instruments permitted by applicable laws and regulations (except for the acts in paragraph 3 and the acts of arranging them).

    • Transferring or assigning an access medium

    • The act of borrowing or lending an access medium, or the act of storing, delivering, or distributing an access medium, upon receiving, requesting, or promising a consideration

    • Borrowing or lending, or storing, transmitting, or distributing access media with the intent to use or knowing that it will be used for a crime

    • The act of using access media for the purpose of commandeering

    • The act of arranging or advertising the acts of items 1 through 4.

  3. The Member shall reissue and re-register the Access Media when the expiration date of the Access Media expires in accordance with the policy of the Company or other person who issued the Access Media.

Article 12 (Authentication Method and Fraud Detection System)
  1. The authentication method for using the Service shall be PIN authentication, mobile phone number authentication, etc. (hereinafter referred to as “PIN and other means of identity authentication”) according to each menu.

  2. In order to use the Service, the Member shall register a PIN or other means of identity authentication as determined by the Company at the application stage. The registered PIN or other means of identity authentication can be changed through the Tomoarrow Service screen.

  3. Members shall thoroughly manage their PIN and other means of identification and shall not disclose them to others. If you lose your PIN or other means of identification, you may reset it through the Tomoarrow Service in accordance with the procedures established by the Company.

  4. The Company operates a separate Fraud Detection System (FDS) to detect unauthorized use of PIN and other means of identification. The Company may utilize the information entered and generated by the Member in the process of using the Tomoarrow App to detect fraudulent transactions, and if a transaction suspected of fraudulent transactions is detected, the Company may immediately suspend the Member's use of the Service (including the services of affiliated companies and affiliates provided within the Tomoarrow App) and require the Member to undergo additional authentication as determined by the Company.

Article 13 (Member's Responsibility for Loss or Theft of Access Media)

Members shall not allow third parties to use their access media, leak or leave them unattended, and shall take sufficient care, including periodically changing their PIN, to prevent theft, forgery or alteration of their access media.
In the event of any damage, loss, or theft of the Access Media, the Member shall immediately notify the Company in writing or at the Company's telephone number in accordance with these Terms and Conditions.
When the Company receives a notification from the Member pursuant to the preceding paragraph, the Company shall be liable to compensate the Member for any damages caused by the use of the access medium by a third party from that time onward.

Article 14 (Liability for Unauthorized Use of the Service)
  1. The Company shall be liable to compensate the User for damages caused by any of the following incidents.

    • Accidents caused by forgery or alteration of access media

    • Accidents occurring in the process of electronic transmission or processing of contract conclusion or transaction instructions

    • Accidents arising from the use of electronic devices for electronic financial transactions or access media obtained fraudulently or otherwise by breaking into the information and communication network pursuant to Article 2, Paragraph 1, Item 1 of the Act on Promotion of Information and Communication Network Utilization and Information Protection, etc.

  2. Notwithstanding the preceding paragraph, the Member may bear all or part of the damages in the event that the Member is intentionally or grossly negligent in the occurrence of the accident and falls under any of the following cases.

    • The member has lent or delegated the use of the access medium to a third party or provided it for the purpose of transfer or collateral (except for the transfer or collateral of prepaid electronic payment instruments or electronic money pursuant to Article 18 of the Electronic Financial Transactions Act).

    • In the event that the Company knew or could have easily known that a third party could use the member's access medium to conduct electronic financial transactions without authorization, but leaked, exposed or left the access medium unattended.

    • If an incident under Paragraph 1, Item 3 occurs due to the member's refusal without justifiable reason to take additional security measures required by the Company for electronic financial transactions to enhance security in addition to verification according to the access medium.

    • In the event that an incident pursuant to Paragraph 1 (3) occurs because the Member has committed any of the following acts with respect to the media, means, or information used for additional security measures pursuant to Paragraph 3. Leaking, exposing, or leaving unattended; or The act of lending or delegating the use to a third party, or the act of providing it for the purpose of transfer or collateral.

  3. In the event of unauthorized use of the Service, the Member shall actively cooperate with the Company in investigating the circumstances and damages of the unauthorized use.

Article 15 (Restrictions on Service Use)
  1. If any of the following reasons occur during a Member's use of the Service, the Company may take measures such as restricting or suspending the Member's use of the Service.

    • In case of continuous error input of PIN or other means of identity authentication

    • If an accident is reported, such as counterfeiting, theft, or loss of access media.

    • Using the Service or accessing the Company's system in an abnormal manner other than in accordance with the service usage method provided by the Company.

    • The act of using the services provided by the Company by stealing another person's name, card information, account information, etc.

    • If the Member intentionally interferes with the Company's service operation

    • If the Member infringes on the legitimate interests of other Members or commits acts in violation of laws and regulations.

    • In the event that the purpose of the contract is significantly difficult to be achieved due to a serious violation of these Terms and Conditions

    • If the member attempts abnormal transactions such as financing under the guise of commodity transactions

    • In the event of any act prohibited by Article 10, Paragraphs 1 and 3, Article 11, Paragraph 2, and Article 12, Paragraph 3 of these Terms.

    • If there is a court order, such as a debt collection or garnishment order, against the member's account.

    • If there is a clear concern that the customer is engaged in money laundering or financing of public intimidation, such as doubting whether the member is the beneficial owner.

  2. If a member engages in any of the prohibited acts in this Article, in addition to restricting the use of the Service, the Company may take legal action, such as claiming damages and filing a complaint with the judicial authorities, and if necessary, limit the voluntary termination of the member for a certain period of time.

  3. When the Company takes action pursuant to Paragraph 1 or related laws and regulations, the Company shall notify the Member in advance of the reason for the action and guidance on the proceeding of the appeal procedure in the manner prescribed in Article 23, Paragraph 2.

    • However, if there are any of the following reasons, the Company may exceptionally restrict or suspend the member's use of the service and notify the member without delay, and guide the member to proceed with the recourse procedure.

    • If there is an urgent need to protect the legitimate interests of the Company or other Members
      When force majeure reasons such as natural disasters exist.

  4. The Company shall resolve measures such as restriction or suspension of service use if the reason for the measure is resolved by the Member's explanation of the relevant reason in accordance with Paragraph 3 of this Article or the understanding of the counterparty.

  5. When the Company resolves measures such as service use restriction or suspension pursuant to this Article, the Company shall notify the Member without delay in the method prescribed in Article 23, Paragraph 2.

Article 16 (Effective Time and Withdrawal of Payment)
  1. When funds are paid using electronic payment methods, the effectiveness of the payment shall occur at the time specified in any of the following subparagraphs.

    • In the case of an electronic transfer of funds: when the information of the amount of the transaction instruction is recorded in the ledger of the account of the financial company or electronic financial institution where the recipient's account is opened.

    • For cash withdrawals directly from an electronic device: when the cash is received by the recipient.

    • For payments made by prepaid electronic payment instruments: when information about the amount of the transaction reaches the electronic device designated by the payee.

    • For payments by other electronic payment instruments: when the information about the amount of the transaction has been entered into the electronic device of the financial institution or electronic financial institution where the recipient's account is held.

  2. If a Member has made an electronic payment transaction, depending on the type of electronic payment transaction, the Member may withdraw the transaction instruction by sending an electronic document containing an expression of intent to withdraw to the contact information listed in Article 18.5 of these Terms and Conditions or to the Tomoarrow App, or by following the withdrawal method specified on the service screen, before the payment takes effect as specified in Paragraph 1.

Article 16.2 (Effect of Electronic Signature)

If a Member selects an electronic signature in the form of a signature, signature seal, or notarized seal in accordance with these Terms, the electronic signature shall have the effect of a signature, signature seal, or notarized seal.

Article 17 (Correction of Errors)
  1. A member may request the Company to correct an error in an electronic financial transaction when the member realizes that there is an error. When the Company receives a request for correction of an error or when the Company itself knows that there is an error in an electronic financial transaction, the Company shall immediately investigate and correct the error and notify the Member affected by the error in writing, by telephone, or by e-mail within two weeks from the date of receipt of the request for correction or the date of discovery of the error.

  2. If the Member requests to receive the notice in the latter part of the preceding paragraph in writing rather than electronically, the Company shall notify the Member by facsimile transmission, mail, e-mail, or hand delivery.

  3. Article 18, Paragraph 5 shall apply to matters related to the written request in the preceding paragraph.

Article 18 (Preservation and Verification of Service Usage History)
  1. The Company creates and preserves records to track and search the contents of the Service used by the Member, or to check or correct the contents in the event of an error.

  2. The object of verification and retention period of service usage history are as follows.

    • The following information is kept for 5 years.

      • Information about the type and amount of transactions and the counterparty to the transaction

      • The date and time of the transaction and the type of electronic device and information that identifies the electronic device

      • the name or number of the trading account, if the transaction is conducted through an account

      • The commission received by the Company in exchange for the transaction

      • Information regarding the member's consent to the withdrawal

      • Access records of the electronic device involved in the transaction

      • Matters related to the application for the service and changes to the conditions

      • Records of transactions with a transaction amount exceeding 10,000 won per transaction

    • The following information will be kept for one year.

      • Records of transaction authorization related to the use of electronic payment methods

      • Records of transactions with a transaction amount of $10,000 or less per transaction

      • Member's error correction requests and processing results

  3. The Company shall not provide the personal information of the member, the member's account, access media, and service usage history acquired while providing the service to the member to a third party or use it for any purpose other than providing the service without obtaining the consent of the member in accordance with the law or obtaining the consent of the member.

  4. The Company provides a service to check the member's service usage history through the inquiry screen of the Service. If the Member requests, the Company may send the usage details by e-mail. However, if a member requests to receive the service usage details in writing rather than electronically, the Company shall provide the service usage details in writing within two weeks from the date of receipt of the request by fax or mail.

  5. Requests for written service usage details can be made to the email address below, or directly to the person in charge of the service by phone. The Member shall clearly provide the information necessary to receive the written information when making such application. The Company shall send it by regular mail when providing it by mail.

  6. In the event that the Company is unable to provide the service usage details in response to a request for written provision pursuant to Paragraph 4 of this Article due to an operational failure of an electronic device or other reasons, the Company shall immediately notify the Member of such reasons by means of electronic document transmission (including transmission using e-mail). In this case, the period during which the service usage details cannot be provided due to an operational failure of an electronic device or other reasons shall not be counted in the period of written provision.

Article 19 (Protection and Use of Personal Information)
  1. The Company shall comply with the provisions of the Personal Information Protection Act, the Act on the Use and Protection of Credit Information, the Act on the Promotion of Information and Communications Network Utilization and Information Protection, and their respective subordinate laws and regulations regarding the protection and processing of personal information, and shall strive to protect personal information.

  2. The Company shall stipulate the specific details of the collection, use, provision, protection, consignment, etc. of personal information through the Privacy Policy, and the Privacy Policy shall be posted on the Company's webpage, Tomoarrow App service screen, etc.

Article 20 (Protection and Use of Location Information)
  1. In connection with the provision of the Service, the Company may collect and use location information from the Member who meets the necessary requirements such as the terms and conditions for location information service and the consent to provide information.

  2. When using the location information of members, the Company shall endeavor to protect the personal location information of members in accordance with the relevant laws and regulations, including the Act on the Protection and Use of Location Information, etc.

  3. The collection and use of location information shall be in accordance with the separate terms and conditions provided by the Company.

Article 21 (Termination of Contract, etc.)
  1. The member may terminate the use contract at any time by notifying the company of the intention to terminate the use contract. However, before notifying the Company of the intention to terminate, the Member shall complete all transactions in progress using the services provided by the Company so that there are no longer any debt/debt relationships to be handled through the services, and the Member shall bear the responsibility for any disadvantages arising from failing to take such measures and expressing the intention to terminate the use of the services, unless there is no reason attributable to the Company. If the Company deems it necessary, it may postpone the effective date of termination until all such debt/debt relationships are resolved.

  2. If the Company deems that the Member may abuse the benefits or economic benefits provided by the Company in an unconventional manner by repeatedly terminating or rejoining the Service, the Company may restrict the Member from rejoining or terminating the Service.

  3. For the purpose of reviewing the preceding paragraph, the Company may keep necessary information such as the name of the member, date of withdrawal, and reason for withdrawal for the period prescribed by relevant laws and regulations when the member withdraws from the membership, and if the member rejoins, the Company may start providing the Service in the same state as before the termination, including limiting the benefits or economic benefits provided by the Company and maintaining a negative Tomoarrow Point.

  4. The Company may terminate the Use Agreement if a Member whose use of the Service has been restricted or suspended pursuant to Article 15.1 does not proceed with the recall procedure or is not recalled. The Company shall notify the Member that the reason for termination of the Use Agreement has occurred and shall notify the Member in advance in the manner prescribed in Article 23, Paragraph 2 that if the Member does not cure such reason within 10 days from the date of receipt of such notification (hereinafter referred to as the “Cure Period”), the Use Agreement shall be terminated on the next day after the end of the Cure Period.

  5. In the event of termination of the Use Agreement pursuant to these Terms, the Company may invalidate or recover any additional benefits provided to the Member.

Article 22 (Compensation for Damages)
  1. If the Company or the Member violates the provisions of these Terms or commits other illegal acts and causes damage to the other party, the party responsible for the damage shall compensate the other party for the damage.

  2. If the Company receives various complaints including lawsuits for damages from third parties other than the Member due to illegal acts committed by the Member in using the Service or violations of these Terms and Conditions, the Member shall compensate the Company for the damages incurred by the Company unless the Company is not at fault.

  3. The Company shall not be obligated to intervene in any disputes arising between Members, between Members and franchisees, or between Members and third parties, and shall not be liable to compensate for any damages resulting therefrom unless the Company is at fault.

Article 23 (Announcement and Notification to Members)
  1. The Company may notify the Members of the guidelines related to the operation of the Services provided under these Terms by using one or more of the following methods: posting on the Company's homepage (www.tomoarrow.com) or on the Tomoarrow App service screen or notice.

  2. If the Company notifies the Member individually, it may do so by one or more of the following methods: sending a push notification to the Tomoarrow App, sending an e-mail to the e-mail address provided by the Member, sending a text message to the mobile phone number provided by the Member, or sending a SNS (KakaoTalk, etc.), unless otherwise provided in these Terms. However, for matters that have a significant impact on the Member, such as changes to the Terms, restriction or suspension of all services, or termination of the Contract, the Company shall notify the Member by sending an e-mail to the e-mail address provided by the Member, sending a text message to the mobile phone number provided by the Member, or sending a SNS (KakaoTalk, etc.).

  3. Notices and notifications pursuant to this Article shall be effective as written notices, unless the relevant laws and regulations or these Terms specifically require written rather than electronic forms.

Article 24 (Provision of Advertising or Customized Information)
  1. The Company may operate a service that provides advertising information in connection with the operation of the Service.

  2. The Company may provide advertising information and customized information in the form of text messages or push messages only in cases permitted by law, such as when there is prior consent to receive advertising information.

Article 25 (Disclaimer of Representation and Warranty)
  1. The Company shall not represent the Member or any third party in any transaction between the Member and any third party. Unless otherwise specified by the Company through the individual terms of use of the relevant service, no act of the Company shall be deemed to be an act of representation of the third party or the Member.

  2. If the Company makes the services of a third party available through the Tomoarrow App, the third party is the entity that provides such services, and the Company provides a tool that allows the information provided by the third party to be delivered to the Member.

  3. The Company does not guarantee the existence and genuineness of the transaction intention of the Member or the third party, the quality, completeness, safety, legality, non-infringement of the rights of others, or the truthfulness 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, and the Member and the third party shall bear the risks related thereto unless there is no reason attributable to the Company.

Article 26 (Intellectual Property Rights)
  1. All intellectual property rights related to the Company's services belong to the Company.

  2. The Member shall not use or cause a third party to use the information obtained in the course of using the Service for commercial purposes, such as processing, providing, selling, etc.

Article 27 (Interpretation of Terms)
  1. If the matters individually agreed upon between the Company and the Member differ from the matters stipulated in these Terms, the agreement shall take precedence over these Terms.

  2. The terms and conditions (including the information content, hereinafter referred to as the same) separately attached to the services provided by the Company shall be interpreted uniformly with these Terms and Conditions, and in the event of any differences, the contents of the individual service terms and conditions shall prevail in principle.

  3. If any part of these Terms is in conflict with the mandatory provisions of the relevant laws and regulations, only that part of these Terms shall be null and void.

  4. The handling of matters not expressly stipulated in these Terms and not agreed upon in advance between the parties shall be governed by relevant laws and customs.

Article 28 (Dispute Handler and Appeals)
  1. If the Member has any objection to the Company regarding the use of the Service, the Member may file an objection with the Company. The contact information of the person in charge of dispute handling is as follows

  2. The Member may apply for dispute handling in writing (including electronic documents) or using an electronic device to the Company's head office or sales office in accordance with Paragraph 1, and the Company will inform the Member of the results of the investigation or handling within 15 days.

  3. If the Member has any objection to the Company's dispute handling result, the Member may apply for dispute mediation related to the use of the Company's electronic financial transaction service to the Financial Services Supervisory Service Commission under the Act on Financial Consumer Protection or the Consumer Dispute Mediation Committee of the Korea Consumer Affairs Ministry under the Consumer Basic Act.

  4. If the dispute mediation by the Financial Supervisory Service reveals that the Company is responsible for the use of the service, the Company shall bear the full amount of the service fee. However, this shall not apply if the member or the company files a civil lawsuit in a competent court against the result of dispute settlement by the Financial Supervisory Service.

Article 29 (Settlement of Disputes)
  1. If there is a dispute between the Company and the Member regarding the use of the Service, the Company and the Member shall consult in good faith to resolve it.

  2. Notwithstanding the preceding paragraph, if the dispute between the Company and the Member is not resolved, the resolution of the dispute shall be subject to the judgment of a court having jurisdiction under the Civil Procedure Act.

By-laws

Article 1 (Effective Date)

① These Terms shall be effective as of January 15, 2025.

For more communication, please reach us via
admin@tomoarrow.com

Tomoarrow, Inc. 
304-24 ho, 154 Anjeon-ro, Deokjin-gu, Jeonju-si, Jeonbuk-do, Republic of Korea 
U.S mailbox: 1111B S Governors Ave STE 25310, Dover, DE 19904 

㈜토모로우 

사업자 등록번호: 483-87-03353 ㅣ 대표: 조용우 

54871 전북특별자치도 전주시 덕진구 안전로 154, 304-24호(중동)

For more communication, please reach us via
admin@tomoarrow.com

Tomoarrow, Inc. 
304-24 ho, 154 Anjeon-ro, Deokjin-gu, Jeonju-si, Jeonbuk-do, Republic of Korea 
U.S mailbox: 1111B S Governors Ave STE 25310, Dover, DE 19904 

㈜토모로우 

사업자 등록번호: 483-87-03353 ㅣ 대표: 조용우 

54871 전북특별자치도 전주시 덕진구 안전로 154, 304-24호(중동)

For more communication, please reach us via
admin@tomoarrow.com

Tomoarrow, Inc. 
304-24 ho, 154 Anjeon-ro, Deokjin-gu, Jeonju-si, Jeonbuk-do, Republic of Korea 
U.S mailbox: 1111B S Governors Ave STE 25310, Dover, DE 19904 

㈜토모로우 

사업자 등록번호: 483-87-03353 ㅣ 대표: 조용우 

54871 전북특별자치도 전주시 덕진구 안전로 154, 304-24호(중동)

For more communication, please reach us via
admin@tomoarrow.com

Tomoarrow, Inc. 
304-24 ho, 154 Anjeon-ro, Deokjin-gu, Jeonju-si, Jeonbuk-do, Republic of Korea 
U.S mailbox: 1111B S Governors Ave STE 25310, Dover, DE 19904 

㈜토모로우 

사업자 등록번호: 483-87-03353 ㅣ 대표: 조용우 

54871 전북특별자치도 전주시 덕진구 안전로 154, 304-24호(중동)