Article 1 (Purpose)
The purpose of these terms is to stipulate the rights/obligations and liabilities of apM Members Co., Ltd. (hereafter “company”) and the “user” who intends on using the electronic prepayment method (e-Voucher) issuance and management service (apM Members service, hereafter “service”) that is provided by the company.
Article 2 (Definition)
The definitions of terms that are used in these terms are as follows.
① “Electronic financial transaction” refers to a transaction that is used by a member through the store (franchise) that is partnered with the company and allows the company to provide electronic financial tasks through electrical devices.
② “Electronic Payment Transaction” refers to when the entity that provides funds makes the company use an electronic payment method to make the recipient of the funds use the funds.
③ “Electrical device” refers to a device that is used to transmit or process electronic financial transaction information via electronic means.
④ “Access medium” refers to a method or information that is used in order to give transaction information with respect to electronic financial transactions or to secure the integrity or accuracy of the user and transaction details, and is a method that is designated by the company, such as the ID and password that is registered in the company, smartphone, etc.
⑤ “Member” refers to a customer that accesses the company’s service, signs the usage agreement in accordance with these terms, and uses the service that is provided by the company.
⑥ “User” refers to a member who accesses the company’s service and uses the service, and all customers who use the service without registering.
⑦ “ID” refers to information that is granted in order to identify members and users and to use the service.
⑧ “Password” refers to a combination of characters or numbers that is chosen by the member with the user’s ID in order to protect and to confirm their identity.
⑨ “Transaction instruction” refers to when the member instructs the company to process the electronic financial transaction in accordance with these terms.
⑩ “Error” refers to when an electronic financial transaction cannot be fulfilled in accordance with these terms or the transaction instructions without the user’s intention or negligence.
⑪ “Franchise” refers to businesses that signed a service usage agreement with the company in order to sell products and provide services to users.
⑫ “Electronic prepayment method” refers to an electronic prepayment method (e-Voucher) in accordance with the Electronic Financial Transactions Act that members were notified of in advance when it was issued by the company.
Article 3 (Posting and Amendment of Terms)
① The company shall post these terms before the member starts using the electronic financial transaction service and shall allow the member to see important details of the terms. The company shall post the content of these terms on the initial screen (front page) of the service or the settings menu, etc., so that it can be easily seen by the member. However, the content of the terms may be shown to the user through a linked page.
② The company shall send a copy of these terms to the user by sending an electronic document, sending a fax, sending it by post, or issuing it directly at the user’s request.
③ The company may amend these terms within a scope that does not violate the “Act on Promotion of Information and Communications Network Utilization and Information Protection, Etc.”, “Act on the Regulation of Terms and Conditions”, and other relevant acts.
④ If the company amends the terms, they shall stipulate the effective date and the reason for the amendment, and announce the amendment on the company’s initial screen alongside the current terms 1 month before the effective date until the day before the effective date (hereafter “amended terms announcement period”). In this case, the company shall clearly compare the content before and after the amendment so that it can be easily understood by the user. However, if the terms are urgently changed due to an amendment in the law, the changed terms shall be posted for at least 1 month and the member may be notified of the amendment after the fact.
⑤ If the company announces or sends a notification regarding the amended terms in accordance with the previous paragraph, the company shall also announce content that informs the user that "if they do not agree to the changes, the agreement may be terminated within the amended terms announcement period, and if the member does not express any intent to terminate the agreement, this shall imply that they agree to the changes."
⑥ If the user does not express any intent to terminate the agreement within the amended terms announcement period from the day they received the announcement or notification from the previous paragraph, this shall imply that they agree to the changes.
Article 4 (Service Configuration and Content)
① The service that is provided by the company is as follows.
1.
Electronic prepayment method issuance and management service
② If necessary, the company may add or change the service by announcing the addition/change to the user in advance.
Article 5 (Changes to the Service)
① If there is a significant reason, the company may change all or a portion of the service they are providing based on operational or technical needs.
② If there is a change in the service content, usage method, or usage time, the reason for the change, content of the service that will be changed, date of provision, etc., must be posted on the initial page of the relevant service before the change is made.
③ The company may revise, discontinue, or change all or a portion of the service that is provided free of charge based on the company’s policies or operational needs, and there shall be no compensation to the member unless otherwise stipulated in relevant laws.
Article 6 (Usage Time)
① By default, the company shall provide the service to the user 24 hours per day, year-round. However, usage times may be different depending on the finance company or other payment method or the issuing company’s circumstances.
② If it is necessary to discontinue the service due to the repair or inspection of information and communications equipment or other technical reasons or due to the finance company or other payment method issuing company’s circumstances, the company may temporarily discontinue the service after posting the facts of the service discontinuation through available electronic means 3 days before the service is discontinued. However, in unavoidable cases, such as to fix a system error, emergency program repair, or external factors, the service may be discontinued without advance notice.
Article 7 (Transaction Details Confirmation)
① The company may allow the user to view their transaction details (including error correction requests and processing results) through the service’s mobile voucher service app. If the user requests a written copy of the transaction details, the copy may be sent through fax, post, or issued directly within 2 weeks of the date of request. In addition, the company may store the user’s transaction details in preparation for any public tasks, such as from an investigative institution, and may provide the transaction details to a 3rd party if there is a legitimate reason, such as an order to submit such information.
② If the company receives a request from the user for a written copy of their transaction details in accordance with Paragraph ①, but if the transaction details cannot be provided due to an operational error in the electronic device or other reasons, the company shall immediately notify the user of the reason by sending an electronic document (including e-mail or text message). The period when the transaction details cannot be provided due to an operational error in the electronic device shall not be counted in the written copy issuance period for the transaction details from Paragraph ①.
③ The transaction details from Paragraph ① that are subject to being stored for 5 years are as follows.
1.
Name or number of the transaction account
2.
Transaction type and amount
3.
Information that indicates the transacting party
4.
Transaction Date and Time
5.
Type of electronic device and information that can identify the electronic device
6.
Fee that the company received as the cost of the electronic financial transaction
7.
Matters related to the user’s withdrawal consent
8.
Electronic device’s access record related to this electronic financial transaction
9.
Matters related to changes to the electronic financial transaction request or conditions
10.
Records related to electronic financial transactions that exceed 10,000 won each
④ The transaction details from Paragraph ① that are subject to being stored for 1 year are as follows.
1.
Records related to small electronic financial transactions where each transaction amount is 10,000 won or less
2.
Records related to transaction approvals regarding electronic payment method usage
3.
Matters related to the user’s error correction requests and processing results
⑤ The user may request a written copy as prescribed in Paragraph ① through the following contact information.
1.
Address: Floor 6, 3, Mallijae-ro 37-gil, Jung-gu, Seoul, Republic of Korea
2.
Receiver: apM Members Customer Service Center
3.
Contact: cs@apm-members.com
Article 8 (Access Medium Management)
① The company shall select an access medium when providing the electronic financial transaction service and confirm the user’s identity, rights, and contents of their transaction instructions, etc.
② The user or member shall not partake in the following behaviors with respect to using the access medium unless otherwise stipulated in other laws.
1.
Lending the access medium or appointing usage for illegal purposes
2.
Using the access medium in a state with security issues, such as hacking, routing, jailbreak, etc.
3.
Behaviors that mediate the actions from Paragraph 1 to 2
③ The user or member shall not leak or expose their access medium to a 3rd party or neglect their access medium, and must take sufficient care to prevent the access medium from becoming stolen, forged, or manipulated.
④ The company shall not be held responsible for damage that is incurred before the user notifies the company that their access medium has been lost or stolen. The company shall be responsible for compensating the user for damages that are incurred when a 3rd party uses that access medium only when the company is notified by the user that their access medium has been lost or stolen.
Article 9 (Error Correction, Etc.)
① When the user becomes aware of an error with respect to using the electronic financial transaction service, the user may ask the company to correct the error.
② When the company receives a request to correct an error in accordance with the previous paragraph or when the company becomes aware of an electronic financial transaction error, they shall immediately investigate and handle the situation, and notify the user of the results within 2 weeks of receiving the correction request or becoming aware of the error.
Article 10 (Creation and Retention of Electronic Financial Transaction Records)
① The company shall create and retain records that can track or search the content of electronic financial transactions that were used by the company or confirm or make corrections if an error occurs.
② The type and retention period of records that the company must retain in accordance with the previous paragraph shall be in compliance with the regulations of Article 7 Paragraph ③ and ④ of these terms.
③ The company must discard electronic financial transaction records within 5 years if the retention period in Paragraph ② has passed and the commercial transaction relationship, such as the financial transaction, has ended. However, the following cases are excluded.
1.
If necessary in order to fulfill an obligation in accordance with other laws
2.
Other cases where the Financial Services Commission deems it necessary to retain electronic financial records
Article 11 (Withdrawal of Transaction Instructions)
① If the user is involved in an electronic financial transaction, they may withdraw their transaction instructions by sending an electronic document (including e-mail) to the person-in-charge via the contact information in Article 7 Paragraph ⑤ of these terms until the payment becomes effective.
② If the electronic payment has already become effective, the user may receive a refund through the payment cancellation method in accordance with the “Act on Consumer Protection in the Electronic Commerce Transactions, Etc.” and other relevant laws.
③ Payments become effective as set forth in Paragraph ① to ② in the cases in any one of the following subparagraphs.
1.
If paid through the electronic prepayment method: When information on the payment amount in the transaction instructions reaches the electronic device that was designated by the recipient
Article 12 (Prohibition of Providing Electronic Financial Transaction Information)
Regarding the user’s demographic information, the user’s bank account, information or materials related to their access medium or electronic financial transaction details and records that were obtained through providing the electronic financial transaction service, the company shall not leak or provide such information to 3rd parties or use it for purposes aside from work purposes without the user’s consent or in accordance with the “Act on Real Name Financial Transactions and Confidentiality”.
Article 13 (Dispute Resolution and Dispute Mediation)
① The user may present their opinions or complaints regarding electronic financial transactions or request the resolution of a dispute, such as requesting compensation through the contact information in Article 7 Paragraph ⑤ of these terms or through the dispute resolution manager or supervisor posted on the company’s website.
② The user may submit a written notice (including electronic documents) or use an electronic device in accordance with Paragraph ① to request dispute resolution to the company’s headquarters, and the company shall notify the user of the investigation or processing results within 15 days.
③ If the user has an objection to the company’s dispute processing results, they may request dispute mediation related to the use of the company’s electronic financial transaction service to the Financial Dispute Mediation Committee of the Financial Supervisory Service in accordance with the “Act on the Establishment Etc. of Financial Services Commission” or the Consumer Dispute Settlement Commission of the Korea Consumer Agency in accordance with the “Framework Act on Consumers”.
Article 14 (Company’s Duty to Secure Safety)
The company shall fulfill its fiduciary duty in making sure that electronic financial transactions are safely processed, and shall comply with the standards prescribed by the Financial Services Commission related to the information technology sector and electronic financial tasks (such as personnel, facilities, and electronic devices for the electronic transmission or processing of each type of electronic financial transaction) in order to secure the safety and reliability of electronic financial transactions.
Article 15 (Company and User’s Liabilities)
① If the user incurs damages due to an accident that occurred while electronically transmitting or processing transaction instructions or a contract that was signed due to the forgery or manipulation of the access medium, or if the user incurs damages due to an accident that occurred by using an access medium that was obtained by invading the electronic device for electronic financial transactions or the information communications network, lying, or other illegitimate means in accordance with Article 2 Paragraph 1 Subparagraph 1 of the “Act on Promotion of Information and Communications Network Utilization and Information Protection, Etc.”, the company shall be held responsible if they are at fault for potentially knowing about the damages.
② In spite of Paragraph ①, the company may have the user be responsible for all or a portion of the liabilities in the following cases.
1.
If the user could easily have known or knew that a 3rd party could use their access medium without permission to take part in electronic financial transactions, but the user leaked or neglected their access medium
2.
If the user denied additional security measures that were required by the company during electronic financial transactions to strengthen security without a legitimate reason, which led to an accident in accordance with Article 9 Paragraph 1 Subparagraph 3 of the Electronic Financial Transactions Act
3.
If a corporate user (excluding small enterprises in accordance with Article 2 Paragraph 2 of the “Framework Act on Small and Medium Enterprises”) incurs damages, and the company established security procedures in order to prevent accidents and exercised sufficient due diligence that is reasonably required in order to comply with these procedures
Article 16 (Personal Information Protection Duty)
The company makes the effort to protect the member’s personal information as stipulated in the “Act on Promotion of Information and Communications Network Utilization and Information Protection, Etc.” and other relevant laws. Relevant laws and the company’s privacy policy are applicable to the protection and use of personal information. However, the company’s privacy policy is not applicable to linked websites outside of the company’s official website.
Article 17 (Policy Outside of These Terms)
① If matters that are agreed upon separately between the company and user differ from the matters set forth in these terms, the separate agreement shall take precedence over these terms.
② Matters that are not stipulated in these terms regarding electronic financial transactions shall comply with other individual terms.
③ Matters that are not stipulated in these terms or other individual terms regarding electronic financial transactions shall comply with the Electronic Financial Transactions Act, Specialized Credit Financial Business Act, and the Act on Consumer Protection in the Electronic Commerce Transactions, Etc.
Article 18 (Jurisdiction and Governing Laws)
① Jurisdiction over disputes that occur between the company and user shall comply with the Civil Procedure Act.
② The laws of the Republic of Korea shall be applicable to lawsuits that are filed between the company and user.
< Supplementary Provision>
These terms shall take effect starting August 21, 2024.