Electronic Financial Transaction Terms

Article 1 (Purpose)

These Terms set out the rights and obligations of the Company and users and the procedures for using the payment gateway service and the prepaid electronic payment means issuance and management service (the "Electronic Financial Transaction Services") provided by Star Payments Inc. (the "Company").

Article 2 (Definitions)

• "Electronic financial transaction" means a transaction in which the Company provides payment gateway services through electronic devices and the user uses them in an automated way without meeting or communicating directly with Company staff.
• "Payment gateway service" means a service that transmits or receives payment information for the purchase of goods or services by electronic means, or acts for or mediates the settlement of the price.
• "Prepaid electronic payment means" means a token, or information about it, in which transferable monetary value is stored and issued electronically, as defined in Article 2, Item 14 of the Electronic Financial Transactions Act.
• "User" means anyone who agrees to these Terms and uses the Electronic Financial Transaction Services provided by the Company.
• "Access media" means the means or information used to give transaction instructions or to ensure the authenticity and accuracy of users and transaction details in electronic financial transactions.

Article 3 (Statement and Amendment of Terms)

① The Company posts these Terms on the Website before users conduct electronic financial transactions and provides a copy on request.

② When amending these Terms, the Company posts the amended Terms on the Website one month before the effective date. Users who do not agree may terminate the agreement by the business day before the effective date; users who do not express an intention to terminate are deemed to have agreed.

Article 4 (Management of Access Media)

① Users may not lend access media to third parties, delegate their use, transfer them or provide them as collateral.

② Users must notify the Company immediately upon learning of the loss, theft, forgery or alteration of access media, and the Company is liable for damages caused to the user by a third party's use of the access media from the time it receives notice.

Article 5 (Confirmation of Transactions)

① The Company allows users to check transaction details and, if a user requests a written copy, provides it within 2 weeks of the request.

② The transaction records kept by the Company are as follows, retained for 5 years (1 year for transactions of KRW 10,000 or less).

• Type and amount of transaction, and information on the counterparty
• Date and time of transaction, type of electronic device and access information
• Matters regarding transaction requests and changes of conditions
• Access logs of electronic devices related to the transaction

Article 6 (Correction of Errors)

① Users who become aware of an error in an electronic financial transaction may request correction from the Company.

② Upon receiving a correction request, the Company investigates and handles it immediately and notifies the user of the result within 2 weeks.

Article 7 (When Electronic Payments Take Effect)

Payment by electronic payment means takes effect when the information on the instructed amount has been fully entered into the electronic device of the financial institution where the recipient's account is held or of the Company.

Article 8 (Refund of Prepaid Electronic Payment Means)

① When a holder of prepaid electronic payment means requests a refund of the balance, the Company refunds it in the manner agreed in advance.

② The full balance is refunded when goods or services cannot be provided due to natural disasters or similar causes, when they cannot be provided for reasons attributable to the Company, or when 60% or more of the face value or charged amount (80% or more for KRW 10,000 or less) has been used.

③ Details such as refund fees are set out in the terms of the relevant service (e.g. StarPay).

Article 9 (Liability of the Company)

① The Company is liable for damages to users caused by accidents arising from forgery or alteration of access media, or in the electronic transmission or processing of contracts or transaction instructions.

② However, the Company may be exempted from all or part of its liability where the user acted intentionally or with gross negligence and agreed in advance to bear all or part of the liability, or where damage was caused to a corporate user and the Company fulfilled the duty of care reasonably required, such as establishing and strictly following security procedures to prevent accidents.

Article 10 (Dispute Handling and Mediation)

① Users may submit objections or disputes related to the services to the following dispute handling officer.

• Dispute handling officer: [Name] / [Title]
• Contact: 1551-6541, [Email]

② The Company notifies the user of the results of its investigation within 15 days of receiving a dispute request.

③ Users who object to the Company's handling may apply for mediation to the Financial Dispute Mediation Committee of the Financial Supervisory Service or the Consumer Dispute Mediation Committee of the Korea Consumer Agency.

Article 11 (Company's Duty to Ensure Security)

To ensure the safety and reliability of electronic financial transactions, the Company complies with the standards set by the Financial Services Commission for personnel, facilities and electronic devices for each type of transaction.

Article 12 (Other Rules and Jurisdiction)

Matters not set out in these Terms are governed by the Electronic Financial Transactions Act, the Act on Consumer Protection in Electronic Commerce, the Specialized Credit Finance Business Act and other applicable laws, and by individual agreements. Lawsuits concerning disputes between the Company and users are filed with the competent court under the Civil Procedure Act.

Addendum

These Terms take effect on [Month 00, 2026].