Chapter 1. General Provisions

Article 1. Purpose

The purpose of these Terms of Use (hereinafter referred to as ‘Terms and Conditions’) is to stipulate the rights, obligations and responsibilities, and other necessary matters between the ‘Company’ and the ‘Member’ in relation to the use of Internet-related services (hereinafter referred to as ‘Services’) provided by Financial News (hereinafter referred to as ‘Company’) to members in accordance with the Telecommunications Business Act and the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc.

Article 2. Definition of terms

The definitions of terms used in these Terms and Conditions are as follows.

1. User: refers to members and non-members who use the services provided by the ‘Company’.
2. Member: refers to a user who accesses the service, enters into a service agreement with the ‘Company’ in accordance with these Terms and Conditions, and is given a user ID (ID).
3. ID: This refers to the email address determined by the ‘Member’ and approved by the ‘Company’ for user identification and service use.
4. Password: refers to a combination of letters and numbers set by the ‘member’ for the purpose of protecting and verifying the member’s information.
5. Withdrawal: This refers to a ‘member’ terminating the service use agreement due to expiration of the period or other reasons.
6. Separate terms and conditions and usage regulations for individual services may provide separate definitions that are not defined in these terms and conditions.

Article 3. Effectiveness and change of terms and conditions

1. These terms and conditions take effect when posted on the service screen or notified to ‘members’, and may be revised if reasonable grounds arise to the extent that they do not violate relevant laws and regulations.
2. The ‘Company’ may change these Terms and Conditions, and the changed Terms and Conditions will take effect when posted on the service screen or notified to users through other means.
3. ‘Members’ who do not agree to changes to the terms and conditions may stop using the service and terminate the service agreement.

Article 4. Rules other than terms and conditions

1. Matters not specified in these Terms and Conditions shall be governed by the provisions of the Framework Act on Telecommunications, the Telecommunications Business Act and other related laws.
2. These terms and conditions apply together with the usage instructions for individual services provided by the ‘Company’.

Chapter 2. Service Use Agreement

Article 5. Application for use and establishment of use contract

1. Users who wish to become ‘members’ are deemed to have agreed to these terms and conditions by clicking the ‘Agree’ button when applying for use.
2. The service use contract is established when the ‘Company’ reviews and approves the service use application of the person wishing to use the service.
3. You must register as a ‘member’ and provide the user information requested by the ‘company’ if you wish to use this service.
4. The ‘Company’ may reject or cancel the application for use in the following cases.
   • If there are false information, omissions, or errors in the application form.
   • When applying using someone else’s name
   • If the application is made for the purpose of disrupting social order or morals
   • If it does not meet other application requirements set by the ‘Company'

Article 6. Special rules for minor membership

1. Users under the age of 14 must be familiar with the purpose of collection and use of personal information and apply for membership after obtaining consent from parents or other legal representatives.
2. The ‘Company’ may cancel or disallow membership for users under the age of 14 who have not gone through the confirmation process for consent from their parents or other legal representatives.
3. Parents and other legal representatives of children under the age of 14 may request to view, correct, or update the child's personal information or withdraw consent to membership, and in such cases, the 'Company' must take necessary measures without delay.

Article 7. Obligation to manage member ID and password

1. All responsibility for managing the ID and password granted to the ‘Member’ lies with the ‘Member’, and the ‘Member’ is also responsible for all consequences resulting from negligence or misuse of the ID and password.
2. If a ‘member’ becomes aware that his/her ID and password have been stolen or are being used by a third party, he/she must notify the ‘Company’ of the fact and follow the ‘Company’s’ instructions.
3. In the case of paragraph 2, the ‘Company’ is not responsible for any disadvantages arising from the ‘Member’ not notifying the fact to the ‘Company’ or not following the ‘Company’ instructions even if notified.

Article 8. Protection of Personal Information

The ‘Company’ strives to protect users’ personal information in accordance with relevant laws and regulations. Regarding the protection and use of user personal information, relevant laws and the Company's personal information protection policy apply. However, the ‘Company’s’ personal information protection policy does not apply to sites other than the ‘Company’s’ official website. Additionally, the 'Company' is not responsible for any information exposed due to reasons attributable to the user.

Article 9. Use of member information

1. The ‘Company’ must obtain the user’s consent when collecting personal information.
2. When the ‘Company’ provides a ‘Member’s’ personal information to an affiliate, the ‘Company’ notifies the ‘Member’ in advance of the affiliate company’s name, purpose, and the contents of the ‘Member’ information to be used, and obtains consent. If the ‘Company’ does not want the ‘Member’ to use the ‘Member’s’ personal information or provide the personal information to an affiliate, the ‘Member’ may not use certain services or participate in certain events.
3. The ‘Company’ may prepare and use aggregate statistical data regarding the personal information of all or part of the ‘Members’ in relation to the ‘Company’s’ business. Additionally, the ‘Company’ may transmit cookies to the ‘Member’s’ computer when providing services. In this case, 'members' can refuse to receive cookies or change the settings of their computer's browser to warn about the receipt of cookies.

Article 10. Sharing of member information

1. Member information may be shared when the company partners with, acquires, spins off, or merges with another company to provide better service.
2. In the case of events where various prizes are provided, winner registration information may be shared upon agreement with the prize sponsor.
3. If any of the reasons in paragraphs 1 and 2 occur, the company must notify the member of the fact.

Chapter 3. Obligations of Contracting Parties

Article 11. Obligations of the Company

1. The ‘Company’ strives not to engage in any acts that are prohibited by relevant laws and these Terms and Conditions or that are against public order and morals.
2. The ‘Company’ continuously strives to provide continuous and stable services to ‘Members’, and in the event of equipment failure or loss, repairs and restoration shall be made without delay unless there are unavoidable reasons such as natural disasters or emergencies.
3. The ‘Company’ strives to protect the personal information of ‘members’ learned in connection with the provision of services by not leaking or distributing it to a third party without the member’s consent. Other matters related to the protection of personal information of ‘members’ are subject to the Information and Communications Network Act and the personal information handling policy separately established by the ‘Company.’
4. If the ‘Company’ deems that an opinion or complaint raised by a ‘Member’ is justified, the ‘Company’ must immediately process it through appropriate procedures. However, if immediate processing is difficult, the reason and processing schedule must be notified to the ‘member’.

Article 12. Obligations of users and ‘members’

1. Users and ‘members’ must comply with the matters stipulated in these Terms and Conditions and all other regulations, notices, and related laws established by the ‘Company.’
2. When applying for membership or changing 'member' information, 'members' must fill out all information in their real name and based on facts. If information is false or registered by another person, no rights can be claimed.
3. ‘Members’ cannot engage in business activities using the service without the prior approval of the ‘Company’, and the ‘Company’ is not responsible for the results of business activities or the results that arise from the use of business activities by ‘members’ in violation of the Terms and Conditions. ‘Members’ must compensate the ‘Company’ for any damage caused by such business activities.
4. 'Members' must not engage in any of the following acts when using the service, and if such acts are committed, the 'Company' may impose sanctions, including restrictions on the 'member's' use of the service and legal action.
   • Collecting, storing and illegally using other users’ IDs, passwords, and other personal information.
   • Intentionally disrupting the stable operation of the service
   • Distributing to others vulgar or obscene information, sentences, shapes, sounds or videos that violate public order and morals.
   • Acts that defame or insult others’ reputation.
   • Hacking or spreading viruses
   • Any act that violates any regulations or terms of use established by the ‘Company’, including these Terms and Conditions.
   • Acts that violate other relevant laws and regulations
   • Acts directly or indirectly related to crime

Chapter 4. Use of Services

Article 13. Provision of Services

1. The ‘Company’ provides services 24 hours a day, 365 days a year, unless there are special business or technical difficulties.
2. The ‘Company’ may temporarily suspend services on days or times set by the ‘Company’ for system inspection, expansion and replacement, and any temporary suspension of services due to scheduled work will be notified in advance. However, in cases of urgent system inspection, natural disaster, or emergency, the service may be temporarily suspended without prior notice.
3. The ‘Company’ may restrict or suspend all or part of the service if normal service provision is impossible due to a national emergency, power outage, service facility failure, or excessive service use. However, in this case, the reason and period will be notified to the ‘member’ in advance or after the fact.
4. The ‘Company’ cannot provide prior notice in the case of service interruption due to reasons beyond the control of the ‘Company’ (disk failure without intention or negligence of the system administrator, system down, etc.), and does not provide notice in the case of system interruption due to the intention or negligence of others (PC communication ‘company’, common telecommunications service provider, etc.).
5. The services provided by the ‘Company’ are divided into free services and paid services. In order to use paid services, you must separately express your intention to use them to the ‘Company’ and pay the fee specified for the service.
6. The ‘Company’ may request additional personal information from the ‘Member’ that is essential for payment for paid services, and the ‘Member’ must accurately provide the personal information requested by the ‘Company’. The 'Company' is not responsible for compensating for damages incurred by the 'Member' due to personal information provided falsely or inaccurately by the 'Member', unless there is intent or negligence on the part of the 'Company'.
7. The ‘Company’ may modify, discontinue or change part or all of the services provided free of charge according to the ‘Company’s’ policy and operational needs, and will not provide separate compensation to the ‘Member’ unless there are special provisions in the relevant laws.

Article 14. Provision of information and posting of advertisements

1. The ‘Company’ may provide the ‘Member’ with information that is deemed necessary for the ‘Member’ to use the service through notices on the service or e-mail, etc. If the ‘Member’ does not wish to receive such information, the ‘Member’ may unsubscribe from the membership registration menu and the member information modification menu.
2. In relation to the operation of the service, the 'Company' may place advertisements on service screens, homepages, e-mails, etc., and users who wish to use the service are deemed to have consented to the posting of advertisements.

Article 15. Management of posts

1. Postings include articles, photos, various files and links posted by ‘members’ on all bulletin boards and comment windows provided by the ‘Company’.
2. The copyright of posts posted by ‘members’ within the service belongs to the ‘member’ who posted them, and the ‘Company’ cannot use the posts commercially without the consent of the poster. However, this does not apply in the case of non-profit purposes, and the ‘Company’ has the right to publish within the service.
3. ‘Members’ may not use materials posted on the service commercially, including arbitrarily processing or selling information obtained using the service.

Article 16. Restrictions on the use of posts

1. 'Members' must not engage in any of the following acts, and in cases where such acts are committed, the 'Company' may delete the posting without prior notice to the 'Member'.
   • In case of stealing another user’s ID or password
   • If the content is recognized as being linked to criminal activity
   • If the content slanders others, defames them, or infringes on their privacy.
   • If you post sexually explicit material or links
   • If the content infringes on the Company's intellectual property rights, other people's intellectual property rights, etc.
   • If you post a commercial advertisement
   • In case of violation of other relevant laws and regulations
2. Any loss or problem arising from Paragraph 1 is the responsibility of the individual ‘member’, and the ‘Company’ is not responsible for this.

Chapter 5. Termination of Contract

Article 17. Termination of contract

1. When a ‘member’ wishes to terminate the service contract, the ‘member’ must apply for contract termination using the ‘Withdrawal of Membership’ menu within the service, and the withdrawal process is completed immediately upon application.
2. If a 'member' causes disruption to the service due to intentional actions, or if a 'member' uses the service to cause harm to others or harm public morals, the 'Company' may terminate the service agreement without prior notice or suspend the use of the service for a set period of time.

Chapter 6. Damage Compensation and Indemnification

Article 18. Compensation for Damages

The ‘Company’ is not liable for any damage incurred by the ‘Member’ in relation to the use of the service provided free of charge, unless it is caused by the ‘Company’s’ intention or gross negligence.

Article 19. Disclaimer

1. If the ‘Company’ is unable to provide services due to a natural disaster or other force majeure, the ‘Company’ is exempt from liability for service provision.
2. The ‘Company’ is not responsible for any content posted by ‘Members’ on the Service.
3. The ‘Company’ is not responsible for any loss or damage suffered by ‘Members’ due to information posted on the Service.
4. The ‘Company’ is not responsible if an interruption in the use of the service occurs due to a cause attributable to the ‘Member’.
5. The ‘Company’ is not responsible for any damage resulting from carelessness in the management and use of the ‘Member’s’ ID and password.
6. The ‘Company’ has no obligation to intervene in disputes that arise between users or between users and third parties through the service, and is not responsible for any damages arising therefrom.