NAMANE card Terms of Service

Article 1 (Purpose)

The purpose of the NAMANE Card Terms of Service (these “Terms”) is to set out the conditions and procedures for using the NAMANE Card service, the rights and obligations of the parties, and other necessary matters between i-Aurora Co., Ltd. (the “Company”) and individuals who use the NAMANE Card service provided by the Company.

Article 2 (Definitions)

① The terms used in these Terms are defined as follows.

1. 'Prepaid electronic means of payment' means 'a token, or information on a token, issued with transferable monetary value stored electronically, which can be used to purchase goods or services from a third party other than the issuer and to pay for them (provided that the goods or services that can be purchased cover two or more business categories)'.

2. The “NAMANE Card” is a prepaid electronic means of payment. The Company applies the limits under the Electronic Financial Transactions Act as the holding limits for prepaid electronic means of payment, which are divided into registered and unregistered types.

a. Unregistered: a prepaid electronic means of payment issued without real-name verification or without being linked to a deposit account

b. Registered: a prepaid electronic means of payment issued with real-name verification or linked to a deposit account

c. The top-up limits and conditions of use for each type of NAMANE Card are subject to Article 13 of the Enforcement Decree of the Electronic Financial Transactions Act, and detailed limits can be found in the 'Top-up > Top-up Methods' menu in the application.

3. The access medium of the “NAMANE Card” is an electronic card. “Access medium” means a means or information used in electronic financial transactions to give transaction instructions or to ensure the authenticity and accuracy of the user and the transaction details.

4. The “NAMANE Card Service (the “Service”)” means all services provided by the Company, including card issuance, top-up, payment, reimbursement, and usage history inquiry, that allow users to purchase goods and services using the NAMANE Card as a payment medium.

a. Card issuance: Users may obtain a card by applying for or purchasing an electronic card issued by the Company at member registration or through external distribution channels.

b. Top-up: Means transferring monetary value recognized as equivalent to cash to the NAMANE Card and storing it so that it can be used to purchase goods and services. Users may top up by registering their electronic card in the NAMANE Card application or at a NAMANE Card kiosk.

c. Payment: Means purchasing goods or services with the NAMANE Card at the Company, a merchant, or a partner company's merchant. Within the topped-up balance, payment is divided into electronic card payment and barcode/QR payment.

1) Electronic card payment: The physical card can be used at merchants in Korea that accept domestic credit cards. However, it cannot be used at merchants that require post-billing, such as hotels. 

2) Barcode/QR payment: A mobile easy payment method that stores monetary value electronically, which can be used at merchants displaying the NAMANE brand and at partner companies' merchants.

d. Reimbursement: Means returning the balance recorded on the NAMANE Card to the user according to the methods and procedures set by the Company. The prepaid balance of a transportation card can be reimbursed by transferring the entire amount to the NAMANE Card. Details are provided in Article 10 of these Terms. 

e. Usage history inquiry: Users can check their top-up, payment, and reimbursement history by registering their electronic card in the NAMANE Card application.

5. “NAMANE Card Service user (the “User”)” means a person who has been granted the right to use the “NAMANE Card” and/or “Partner Services” by agreeing to these Terms and to the terms of use provided by a “Partner Company” (the “Partner Terms”) in accordance with the standards set by the “Company” and/or the “Partner Company”, and is divided into members and non-members.

6. “Member” means a person who installs the application on a mobile device or the like according to the procedures set by the Company, agrees to these Terms, enters the information requested by the Company, and uses the Service after registration is approved. Members are divided into Verified Members and Easy Members.

a. "Verified Member" means a person who meets the real-name verification requirements of the Company under Article 6-2 (Real-Name Verification of Members) of these Terms. Verified Members may use the NAMANE Card application services designated by the Company.

b. “Easy Member” means a person who uses the services provided by the Company after providing basic personal information such as an email address, without the real-name verification required by the Company. Compared with Verified Members, Easy Members are subject to restrictions on holding limits and the range of available services, the details of which can be found in the application.

7. “Non-member” means a person who uses the services provided by the Company by purchasing a NAMANE Card at a kiosk after agreeing to these Terms, or by installing the application, agreeing to these Terms, and purchasing or acquiring an electronic card without registering as a member. Non-members cannot use the card management services in the NAMANE Card application but can view information about the Service.

8. “NAMANE Card application (the “Application”)” means application software operated by the Company or a partner company that allows users to use the services provided by the Company on mobile devices and the like.

9. “NAMANE Card merchant (the “Merchant”)” means a facility or business that has applied to become a merchant under the NAMANE Card Merchant Terms, entered into a merchant agreement with the Company, and provides payment or top-up transaction services to users.

10. “NAMANE Card Rewards” means rewards provided free of charge to members in accordance with the Company's policy when members top up a certain amount or more using the Service or participate in promotional events. Members may exchange rewards accumulated above a certain level for prizes or use them to enter events.

11. “Additional services” means features provided to members within the Application, such as card product purchase and gifting, balance transfer, auto top-up, loss reporting, temporary lock, registration of cards/accounts for top-up, reimbursement requests, income tax deduction requests, and remittance.

a. “Loss reporting service”: A service that suspends the use of a NAMANE Card held by the user by reporting its loss or theft through the Application or the Customer Center according to the method set by the Company. However, barcode/QR payment in the Application remains available. The Company is liable for damages incurred by the user due to a third party's use of the electronic card, excluding barcode/QR payment in the Application, after the Company receives the report of the loss or theft of the electronic card from the user.

b. “Temporary lock service”: A service that allows users to temporarily lock the use of their NAMANE Card through the Application. A temporarily locked NAMANE Card cannot be used for top-up or payment services. Customers may unlock the NAMANE Card to use top-up and payment services as before.

c. “Income tax deduction request service”: A service that processes income tax deduction requests for card usage amounts through the Customer Center according to the method set by the Company.

d. “Online mall”: A service that allows users to purchase cards and products provided by the Company or partner companies through the Application.

e. “Balance transfer”: A service that allows a member holding multiple NAMANE Cards to move all or part of the balance between them.

f. “Auto top-up”: A service that links a payment method that can top up the NAMANE Card through the Application so that a set amount is automatically topped up when the balance falls to or below a set threshold, or on a set date each month.

g. Remittance service: A service that sends all or part of the balance of a member's NAMANE Card to another person's NAMANE Card or to a separately designated account.

12. The “NAMANE Card kiosk (the “Kiosk")” provides services that allow users to purchase cards offline or top up the balance on their cards. Customers can tag their card on the Kiosk to check the balance or top up.

13. "Partner Company" means a business operator that has entered into a contract with the "Company" and falls under any of the following.

a. A business operator that provides "NAMANE Card"-related services through card issuance, application leasing (ASP), or the like

b. A business operator that provides payment and top-up services to members at offline touchpoints such as merchants or transportation operators

c. A business operator that supports overseas payment and currency exchange services through integration with overseas payment networks, etc.

② Terms used in these Terms that are not defined in this Article are governed by applicable laws, the Terms of Use for Electronic Financial Transactions, and the Partner Terms, and otherwise by general practice.

Article 3 (Effect and Amendment of the Terms)

① These Terms apply to users who have purchased and use the NAMANE Card by legitimate means.

② Upon a user's request, the Company provides a copy of these Terms to the user by electronic document transmission, email, facsimile, mail, or direct delivery (the “Electronic Document Transmission, etc.”).

③ When the Company intends to amend these Terms, it posts the amended Terms on the Application screen, etc., stating the effective date and the reason for the amendment, from one (1) month before the effective date. However, where the Terms are urgently amended due to an amendment of laws and regulations or the like, the Company posts the amended Terms on the Application screen, etc. for at least one (1) month and notifies users afterwards by Electronic Document Transmission, etc.

④ When the Terms are amended, in addition to the announcement under Paragraph 3, the Company notifies users individually by email or mobile text message (the “Email Transmission, etc.”).

⑤ When giving a posting or notice under this Article, the Company also notifies users that they may terminate the contract from the time the amendment is posted or notified until the business day before the effective date of the amended Terms, and that if they do not object to the amendment, they will be deemed to have approved it.

⑥ If a user does not agree to the Terms amended under this Article, the user may stop using the Service and terminate the service agreement with the Company. However, if the user does not expressly notify the Company of their refusal of the amendment by the day before the amended Terms take effect, the user is deemed to have agreed to the amendment, and the amended Terms apply.

⑦ All matters concerning consent to the “Partner Terms” and the procedures for amending them are governed by the contract or agreement separately concluded with the relevant “Partner Company” or by the “Partner Terms”.

Article 4 (Rules Other Than the Terms)

Matters not set out in these Terms are governed by applicable laws, such as the Act on the Regulation of Terms and Conditions, the Act on the Consumer Protection in Electronic Commerce, the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Credit Information Use and Protection Act, the Protection of Communications Secrets Act, and the Telecommunications Business Act; other terms and conditions concluded between the Company and users; detailed usage guidelines for each service set by the Company; and commercial practice.

Article 5 (Application for Use of the Service)

① The service agreement is formed with users who have purchased and use the NAMANE Card or the like by legitimate means.

② The Company may withhold acceptance of, or subsequently cancel the service agreement for, applications that fall under any of the following.

1. Where the Service cannot be provided due to technical, security, or facility problems

2. Where the application is false, such as using another person's name instead of one's own

3. Where items required in the application form requested by the Company are omitted or entered incorrectly

4. Where a user whose use has been suspended by the Company under Article 11 voluntarily terminates the service agreement during the suspension period and applies to use the Service again

5. Where the applicant has previously had a service agreement terminated due to violations of laws or similar reasons

6. Where the application requirements set by the Company are not met

7. Where the application is deemed to be used for money laundering

③ Users may apply to use each additional service provided by the Company, and the application procedures and eligibility are as guided on the Application screen.

④ Some individual services may be restricted depending on the user's eligibility, and eligibility and the scope of available services may change depending on whether real-name verification has been completed and the level of authentication.

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

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

② In principle, the Service is available 24 hours a day, 365 days a year. However, the Company may restrict, change, or suspend all or part of the Service for users in the following cases.

1. Where normal use of the Service is impaired due to power outages, equipment failures, traffic surges, or the like

2. Where unavoidable due to inspection, maintenance, development, or the like of facilities for the normal provision of the Service

3. Where the Service cannot be maintained due to the Company's service operations, business circumstances, or legal obstacles, such as the termination of contracts with partner companies or the Company's business partners

4. Where there are other force majeure events, such as natural disasters or national emergencies

③ In the event of a restriction, change, or suspension of the Service, the Company notifies users by announcing the reason, date and time, duration, and the like in advance through the Application screen, etc. However, where prior notice is impossible because the event arises from causes beyond the Company's control, such as equipment failures occurring without the operator's intent or negligence, the Company gives notice afterwards.

Article 6-2 (Real-Name Verification of Members)

① To use the electronic financial transaction services provided by the Company, Verified Members must meet the real-name verification requirements below for their category. Verified Members who do not meet the requirements of this Paragraph may be restricted from using the services provided by the Company.

1. Members who are residents must hold a real-name-verified account in their own name at a financial institution that allows normal deposits and withdrawals, and must pass ID document capture and verification of their own account according to the method set by the Company.

2. Members who are non-residents must pass passport capture and face authentication (matching against the photo on the ID document).

3. In addition to the verification under Subparagraph 1 or 2, members must have an electronic device, such as a mobile phone or tablet, that can run the app.

② The Company may require information or authentication means other than those under each Subparagraph of Paragraph 1 for providing the Service and verifying identity. Members must comply if the Company requires them to complete the non-face-to-face real-name verification method set by the Company.

Article 7 (Top-up and Re-top-up)

① Users may top up value by providing cash or monetary value that the Company recognizes as equivalent to cash (account transfer, card, etc.) and storing it directly on the NAMANE Card through the Application, offline merchants, kiosks, or the like. The Company or a third party designated by the Company may charge a fee, as applicable, when providing the top-up service.

② The top-up service may be restricted depending on the NAMANE Card merchant, or the top-up function may be restricted depending on the type of partner service.

③ If the NAMANE Card must be topped up again due to the user's fault, the user bears the resulting costs within the scope of actual expenses.

④ The Company may provide users with the auto top-up service in the following ways.

1. When the balance of the NAMANE Card falls to or below the minimum balance designated by the user, re-top-up of the designated amount using the payment method selected in advance by the user

2. Re-top-up of the designated amount using the payment method selected in advance on a specific date designated by the user (however, if there is a NAMANE Card top-up limit under the Company's policy, top-up is restricted accordingly)

⑤ The Company does not pay interest on amounts topped up on the NAMANE Card.

Article 8 (Remittance and Payment)

① Users may remit all or part of the NAMANE Card balance to a third party (another member or a non-member) within the usage limits of these Terms. In this case, the Company or a third party designated by the Company may charge a fee when providing the remittance service, and use of the service may be restricted depending on whether the member has completed real-name verification.

② When remitting the NAMANE Card balance, members must accurately enter the information on the counterparty (another member or a non-member) required by the Company, and the Company is not responsible for problems caused by incorrect entry of such information. However, members may use the procedure for the return of mistaken remittances under Article 16-2.

③ When the NAMANE Card balance is remitted, the Company may allow the counterparty (the person receiving the NAMANE Card balance) to see the sender's name.

④ Members may use the NAMANE Card balance as a means of payment and settlement for purchasing goods or services at merchants presented by the Company, where permitted under the contract with the relevant merchant. The Company informs members of the merchants where payments can be made using the NAMANE Card balance by the methods set out in Article 6 of these Terms.

⑤ Payments can be made in a single lump sum only.

⑥ The remittance service fee can be checked when applying through ‘Send > Send to Bank Account Number‘ in the Application. If the fee changes, the Company will give notice 30 days in advance through announcements or the like.

Article 8-2 (Overseas Use of the Service)

① Verified Members may make payments at overseas merchants using barcode/QR.

② Available countries and merchants may change according to network operating policies, and the Company notifies members of changes through the Application screen, etc.

③ The payment amount is converted into Korean won at the exchange rate applied by the partner company at the time of payment and deducted from the NAMANE Card balance. The applied exchange rate can be checked on the payment screen and includes the partner company's fees.

④ Payment cancellations and refunds may be requested only within 12 months from the payment date, and are refunded to the NAMANE Card in the Korean won amount approved at the time of payment. The refund processing period and method are subject to the policy of the relevant merchant.

⑤ Use of the overseas payment service may be restricted in the following cases.

1. Where the partner company's network is down or under maintenance

2. Where the member's NAMANE Card balance is less than the payment amount

3. Where the transaction is restricted under the fraud prevention policy of the Company or the partner company

⑥ When using the Service overseas, Verified Members must comply with the following.

1. Use only a NAMANE Card in their own name, and only for their own transactions

2. Use only to pay for current transactions such as the purchase of goods or services (payment for capital transactions, such as acquiring overseas real estate or securities, is not permitted)

3. Do not use for purposes such as obtaining cash or paying on behalf of a third party

Article 9 (Consent to and Withdrawal of Direct Debit)

① When giving consent to direct debit, users must provide consent by 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 whose method and requirements meet the requirements of the Regulations on Supervision of Electronic Financial Transactions, and submits the consent received from users to the Korea Financial Telecommunications & Clearings Institute and the relevant financial institutions to execute direct debits.

③ Users may request the Company to withdraw the consent under the preceding Paragraph until a withdrawal record is entered in the user's account ledger according to the Company's transaction instruction. Users may withdraw their consent to direct debit by deregistering the account registered with the Company through the Application. However, users may not object to withdrawals made before they expressed their intention to withdraw consent.

④ Persons under the age of 14 may not use direct debit consent.

Article 10 (Reimbursement, Validity Period, etc.)

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

1. For electronic cards

a. Five (5) years from the date of issuance

② Extension of the validity period is handled as follows.

1. For electronic cards

a. Users may not request the Company to extend the validity period while it is still valid. Before the validity period expires, the Company may, in accordance with its policy, notify users of the upcoming expiry, confirm their intention to renew, and reissue the card at the user's request.

③ The Company notifies users at least three (3) times, including a notice 30 days before the validity period expires, by email, text message, or similar methods, of the upcoming expiry of the validity period, whether and how it can be extended, and that, after the validity period expires and before the extinctive prescription is completed, the balance can be returned as follows.

1. For prepaid electronic means of payment of ￦50,000 or less: 90%

2. For prepaid electronic means of payment exceeding ￦50,000: 95%

3. For reimbursement of accumulated rewards such as points and mileage: 100% (only where a rewards program is operated)

④ Members may request reimbursement through the Application, and in the following cases the Company reimburses the entire NAMANE Card balance without deducting any fee. However, where none of the following applies and the request is due to a simple change of mind by the member, the Company may reimburse the balance after deducting a fee. Details can be found in 'Card Settings > Request Pay Balance Reimbursement' in the Application.

1. Where the user requests reimbursement of the entire top-up or purchase amount within seven (7) days from the date of top-up or purchase of the NAMANE Card

2. Where the NAMANE Card cannot be used because merchants have difficulty providing goods or services due to natural disasters or similar reasons

3. Where merchants are unable to provide goods or services due to a defect in the NAMANE Card

4. Where the user requests reimbursement of the remaining balance after using at least 60% of the NAMANE Card balance duly purchased or topped up, based on the balance at the time of purchase or last top-up, to purchase goods or services

5. Where the Company reduces the number of merchants or changes the terms of use unfavorably without justifiable grounds

⑤ The prepaid balance of a transportation card can be reimbursed by transferring the entire amount to the NAMANE Card prepaid balance. If the prepaid balance of a transportation card is reimbursed directly by the partner company, the reimbursement conditions and methods are subject to the Partner Terms.

⑥ Reimbursement may be restricted in cases such as technical or facility problems, including facility inspections, faulty communication lines, and stabilization or maintenance work, or where the reimbursement is deemed to be for the purpose of obtaining cash. In such cases, the Company notifies users of separate reimbursement procedures and methods through the Application screen, etc.

⑦ NAMANE Cards provided free of charge through events or the like are excluded from reimbursement and are not included in calculating the amount used under Paragraph 4, Subparagraph 4 of this Article. In addition, when the Company reimburses a user for the NAMANE Card balance under this Article, any NAMANE Card balance provided free of charge is extinguished once its validity period has expired.

⑧ After the validity period has expired (only where the extinctive prescription has not been completed), the user may claim reimbursement of the unused balance recorded on the prepaid electronic means of payment from the Company, and the Company reimburses at least 90% of the balance (the amount that could have been paid had the claim been made before the validity period expired), with the specific rate as set out in each subparagraph of Article 10, Paragraph 3. However, the return of accumulated rewards under Article 10, Paragraph 3, Subparagraph 3 is limited to cases where the customer requests it.

⑨ The Company is not responsible for damages caused by the user incorrectly designating their own account for reimbursement.

⑩ If the validity period of the NAMANE Card expires, or if the user deletes the NAMANE Card or terminates the service agreement, cancellation of prior usage, reimbursement, and the like can no longer be processed. However, the Company notifies the user of this before the card is deleted or the service agreement is terminated.

⑪ When five (5) years have passed since the date the user last topped up the NAMANE Card, the extinctive prescription for the relevant purchase and top-up amounts is completed, and the user can no longer request the Company to reimburse the NAMANE Card, return the balance, or provide goods or services.

⑫ At the time of a transaction, the Company must inform users of key matters concerning extinctive prescription, including that the prepaid electronic means of payment can no longer be used or reimbursed after the extinctive prescription is completed, in the form of a pop-up, summary consent form, or the like.

⑬ The Company must notify users at least three (3) times, including a notice one (1) year before the extinctive prescription is completed, by email, text message, or similar methods, of the date on which the extinctive prescription will be completed and that the balance can no longer be used if not used before then.

⑭ If the reimbursement fee for a simple change of mind under Paragraph 4 changes, the Company will give notice 30 days in advance through announcements or the like.

Article 11 (Restriction and Suspension of Service and Termination of Agreement)

① If a user falls under any of the following, the Company may restrict or suspend the user's use of the Service, and may terminate the service agreement with the user ex officio after prior notice by email, mobile text message, or the like. However, in urgent cases, the Company may terminate the agreement ex officio and notify the user afterwards.

1. Where the user uses the Service with another person's name or other personal information, or interferes with another person's use of the Service

2. Where the user uses the Service for abnormal purposes, such as obtaining cash

3. Where the user violates the user obligations set out in these Terms and does not stop the violation despite the Company's request for correction or sanctions

② Users may apply to terminate the service agreement in accordance with the termination procedures set by the Company. However, upon termination of the service agreement, benefits held by the user free of charge (rewards, coupons, etc.) are extinguished in accordance with the Company's policy. Benefits held by the user for a fee (rewards, coupons, etc.) must be reimbursed before the agreement can be terminated.

③ If a member who has terminated the service agreement wishes to re-register, re-registration may not be possible for a certain period in accordance with the Company's policy, and benefits (rewards, coupons, etc.) held before termination of the service agreement are not linked to the new member account.

④ If a member repeatedly withdraws and re-registers for fraudulent or abnormal purposes, re-registration as a member may not be possible in accordance with the Company's policy.

Article 12 (Use and Termination of Additional Services)

① The details, registration procedures, fees, and conditions of additional services are as guided for each additional service on the Application screen.

② The start date and availability of each additional service may differ, and the Company informs users of when the services become available through announcements on the Application screen, etc. or guidance for each additional service.

③ Fees for each additional service may change due to rising costs or other reasons, and the Company informs users of changes through announcements on the Application screen, etc. or guidance for each additional service.

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

Article 13 (Obligations of the Company)

① Unless there are special circumstances, the Company is obliged to provide the services applied for by users continuously and stably in accordance with these Terms.

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

③ When the Company has matters to notify users of, it may notify them individually by phone, Email Transmission, etc. However, for matters that do not significantly affect users' rights and obligations, and for notices to an unspecified large number of users, the Company may substitute individual notice by posting on the Application screen, etc.

④ The Company is liable for damages incurred by users due to a third party's use of access media, such as the NAMANE Card or a mobile device, after receiving a report of their loss or theft from the user.

⑤ The Company is liable for damages incurred by users due to accidents caused by forgery or alteration of access media; accidents occurring during the electronic transmission or processing of contract conclusions or transaction instructions; or accidents caused by the use of access media obtained by false or other fraudulent means through intrusion into electronic devices for electronic financial transactions or into information and communications networks under Article 2(1)1 of the ‘Act on Promotion of Information and Communications Network Utilization and Information Protection’.

⑥ Notwithstanding Paragraph 5, if the Company proves that a member intentionally or through gross negligence committed any of the following acts, the Company may have the member bear all or part of the liability.

1. Where the user lends access media to a third party, delegates their use, or transfers them or provides them as security

2. Where the user discloses, exposes, or neglects their access media despite knowing, or being easily able to know, that a third party could use the user's access media without authority to conduct electronic financial transactions

3. Where damage is incurred by a user that is a corporation (excluding small enterprises under Article 2(2) of the Framework Act on Small and Medium Enterprises), and the Company has fulfilled its reasonably required duty of care, such as establishing and strictly complying with security procedures to prevent accidents

4. Where, in addition to the verification under Article 6(1) of the Electronic Financial Transactions Act, the Company requested additional security measures for electronic financial transactions to strengthen security, but the user refused the request without justifiable grounds, resulting in an accident under Article 9(1)3 of the Electronic Financial Transactions Act

5. Where the user commits any of the following acts with respect to the media, means, or information used for the additional security measures under Subparagraph 4, resulting in an accident under Article 9(1)3 of the Electronic Financial Transactions Act

a. Disclosing, exposing, or neglecting them to a third party

b. Lending them to a third party or delegating their use

c. Transferring them to a third party or providing them as security

⑦ Notwithstanding Paragraphs 5 and 6, where other laws that may be applied more favorably to the user exist, the Company applies those laws first.

Article 14 (Obligations of Users)

① When providing or registering information necessary to use the Service, users must provide or register information that is true.

② Users are responsible for managing the account and password registered to use the Service.

③ When using the Service, users must not engage in any of the following acts.

1. Entering false information when applying for or changing the Service

2. Impersonating another person using their personal information or the like, or misrepresenting one's relationship with another person

3. Damaging another person's reputation or causing them disadvantage

4. Distributing to others information or the like that violates laws, public order, or good morals

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

6. Registering or distributing computer virus-infected material that causes malfunction of Service-related equipment, destruction of information, system disruption, or the like

7. Misappropriating or leaking, without authorization, other persons' personal information obtained in connection with the use of the Service

8. Other acts that violate laws

④ Users must comply with applicable laws, the provisions of these Terms, the provisions of other terms concluded with the Company, service usage guides and precautions announced on the Application screen, etc., and other matters notified by the Company, and must not interfere with the Company's business.

⑤ Users may not conduct business activities using the Service, and the Company is not responsible for any disadvantage to users arising therefrom. If any disadvantage to a third party arises therefrom, the user may be held responsible.

⑥ Users must cooperate with the Company so that the Company can provide the Service safely. If the Company discovers a user's violation of these Terms and asks the user to explain the violation, the user must actively respond to the Company's request.

⑦ If the Company suffers any disadvantage, such as claims for damages, applications for preservative measures, or complaints from third parties, or incurs damages due to illegal acts or violations of these Terms committed by a user in using the Service, the user may be liable to compensate the Company for the resulting damages.

Article 15 (Provision of Information and Posting of Advertisements)

① In operating the Service, the Company may post various information related to its services or advertisements of the Company and partner companies on service screens such as the Application screen. The Company may provide advertising information and member-customized information by text message or PUSH notification, only where permitted by law, such as where prior consent to receive advertising information has been given.

② Communicating or transacting with advertisers by using advertisements posted on service screens or participating in promotional activities through the Service is a legal relationship between the user and the advertiser and has nothing to do with the Company. If a problem arises between a user and an advertiser, the user and the advertiser must resolve it directly, and the Company is not liable in this regard unless it is at fault.

Article 16 (Collection and Correction of Transaction History Information)

① In accordance with applicable laws or with the user's consent, when a user purchases goods or uses services with the NAMANE Card, the Company may collect and retain the minimum transaction history information necessary for settling, verifying, and correcting errors in payments between users and merchants, such as the NAMANE Card number, transaction date and time, transaction amount, and terminal and merchant information.

② Users can check their NAMANE Card transaction history through the “History Inquiry Service” or the like on the Application screen, etc.; checking transaction history may be restricted for non-members. If a user of an unregistered NAMANE Card or a non-member wishes to check transaction details, the Company may require the customer to complete an identity verification procedure and submit a request in a separate form.

③ If a user finds an error in the transaction history they have checked, they may request correction through the contact details listed in Article 22, Paragraph 1 of these Terms.

④ The Company reviews the transaction history and notifies the user of the results within two (2) weeks from the date it receives the user's request to correct an error in the transaction history.

Article 16-2 (Mistaken Remittances)

① Where funds of a prepaid electronic means of payment or the like are transferred to a payee because the member mistakenly entered or wrote the wrong receiving financial company, receiving account number, or the like (a ‘mistaken remittance’), the member may notify the Company and request, through the Company or the receiving financial company, that the payee be contacted and asked to return the mistakenly remitted amount.

② The Company must notify the member of the results of handling the member's request, or the progress of related handling, including whether the payee was contacted, whether the payee intends to return the funds, and, if the payee does not intend to return them, the reason, within 15 days from the date the member notified the Company of the ‘mistaken remittance’ under the preceding Paragraph.

③ If the payee does not return the funds despite a request for return of the mistaken remittance through the Company or the receiving financial company, the member may apply to the Korea Deposit Insurance Corporation to use the Mistaken Remittance Return Support program under Chapter 5 (Support for Return of Mistaken Remittances) of the Depositor Protection Act. (Applications may be made for mistaken remittances made on or after July 6, 2021, the effective date of the amended Depositor Protection Act.) However, applications for return support are restricted for transactions in which the Korea Deposit Insurance Corporation cannot obtain the payee's real name, such as remittances made using contact information or remittances between SNS members.

④ If the Korea Deposit Insurance Corporation requests from the Company, for the smooth performance of its mistaken remittance return support work, data such as the reason the payee of a mistaken remittance cannot return the funds, the payee's real name, address and contact information, and the status of mistaken remittances, the Company must comply unless there are justifiable grounds not to.

⑤ If a member's application for mistaken remittance 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 discontinued in accordance with applicable laws.

1. Where the member applied for return support by false or fraudulent means

2. Where it is confirmed by objective evidence that the transfer was not a mistaken remittance

3. Where a lawsuit or the like concerning the mistaken remittance for which return support was applied is pending or has been concluded before the date of application

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 members or third parties. Unless the Company states otherwise in the individual terms of use of the relevant service or the like, no act of the Company is deemed to be an act on behalf of a third party or a member.

② Where the Company enables the use of a third party's services through the NAMANE Card, the provider of those services is the third party, and the Company provides a tool that delivers the information provided by the third party to members. Services provided by third parties may be used only by members who have completed the consent procedure for the relevant additional terms through the NAMANE Card.

③ With respect to information exchanged between members and third parties through the Service, the Company does not guarantee the existence or genuineness of the transaction intentions of members or third parties; the quality, completeness, safety, or legality of products provided by third parties; the truthfulness of information; non-infringement of the rights of others; or the truthfulness or legality of information provided by third parties and members.

Article 18 (Protection and Handling of Users' Personal Information)

① With respect to all matters concerning the collection, use, and provision of users' personal information, the Company complies with applicable laws, such as the Personal Information Protection Act, the Electronic Financial Transactions Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, and the Credit Information Use and Protection Act, and endeavors to protect users' personal information and credit information.

② To provide services optimized for users' needs and convenience and to conduct marketing for users' benefit, such as information on new products or events and surveys, the Company may use users' personal information collected with their consent at the conclusion of the service agreement and information related to their use of the Service. However, if the Company intends to use information beyond the scope of the user's consent or provide it to a third party, it 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 externally due to reasons attributable to the user.

④ Where necessary to provide quality services, the Company may, with the member's consent in accordance with applicable laws such as the Personal Information Protection Act, provide the member's personal information to partner companies or the like, or entrust it to service agents.

Article 19 (Protection of Intellectual Property Rights)

① All intellectual property rights, including copyrights and patents, in the text, design, and service content posted on the Application screens provided to users are owned by the Company and its business partners, such as partner companies.

② Users may not use information obtained through the Service for commercial purposes by publishing, broadcasting, distributing, reproducing, or other means, or provide it to or allow its use by third parties, without the Company's prior consent.

③ Users may be liable for damages caused by infringing the intellectual property rights of the Company or its business partners, such as partner companies.

Article 20 (Disclaimers)

① If a dispute arises between a partner company and a user regarding services provided by the partner company, the Company has no obligation to intervene and is not liable for damages arising from the dispute. In addition, the Company is not involved in transactions of products or the like between partner companies and users and is not liable for them unless it is at fault.

② Users must make their own final judgment about the services provided by the Company and the information obtained by using them, and are responsible for the consequences; the Company is not liable for damages arising therefrom unless it is at fault.

Article 21 (Handling and Mediation of Disputes)

① Users may request the handling of disputes, such as raising opinions or complaints and claiming damages in connection with the Service, through the Customer Center representative posted on the Application screen, etc., or through the contact details listed in Article 22, Paragraph 1.

② When a user requests the Company to handle a dispute, the Company informs the user of the results of its investigation or handling within 15 days from the date of receipt of the request.

③ If the user objects to the Company's dispute handling results, the user may apply for dispute mediation concerning the use of the Company's services to the Financial Dispute Mediation Committee of the Financial Supervisory Service or the Consumer Dispute Mediation Commission of the Korea Consumer Agency.

Article 22 (Resolution of Complaints and Competent Court)

① If users have legitimate opinions or requests in connection with the use of the Service (such as reporting a loss, inquiring about a refund, or reporting a defective card), they may submit them through the Company's contact details below.

1. Company name: i-Aurora Co., Ltd.

2. Address: Attn: i-Aurora Customer Center, 2033 Nambusunhwan-ro, Dongjak-gu, Seoul 07023, Republic of Korea

3. Phone: 1588-3073

4. Email: cs@i-aurora.co.kr

② If a dispute arises between the Company and a user in connection with the use of the Service, the Company and the user will consult in good faith to resolve it. However, if the dispute is not resolved despite such consultation, either party may file a lawsuit with the competent court under the Civil Procedure Act.

Article 23 (Rules of Conduct for the Company)

① The Company must not engage in any of the following acts.

1. Where the Company does not meet the financial soundness standards set and announced by the Financial Services Commission in consideration of the financial soundness standards under the Electronic Financial Transactions Act and its Enforcement Decree, providing economic benefits to users, such as issuing prepaid electronic means of payment at a discount or paying accumulated rewards

2. Providing economic benefits without separately managing an amount equal to at least 100/100 of users' prepaid funds

3. Reducing the number of merchants where prepaid electronic means of payment can be used, or changing the terms of use of prepaid electronic means of payment, to the disadvantage of users without notifying users at least seven (7) days before the date of such reduction or change

4. Other acts prescribed by the Enforcement Decree of the Electronic Financial Transactions Act as likely to undermine user protection or sound transaction order

Addendum

Article 1 (Effective Date)

These Terms take effect on October 15, 2026.