Article 1 (Purpose)
These terms and conditions are referred to
in Article 1 (Purpose)
The purpose of this Agreement is to ensure
the stability and reliability of the telecommunications billing service by
setting the basic matters concerning the telecommunications billing service
between Payletter Inc. (hereinafter referred to as the "Company") and
the telecommunications billing service user (hereinafter referred to as the
"User").
Article 2 (Definition of Terms)
The terms and conditions set forth in these
Terms and Conditions are defined as follows.
1. The term "communication billing
service" means the following affairs as information and communication
services.
① Claiming and collecting the consideration
for goods or services sold or provided by another person (hereinafter referred
to as "goods, etc.") together with the charges for telecommunications
services provided by him/her
② A task of electronically transmitting and
receiving transaction information or mediating settlement of such information
so that the consideration of goods, etc. sold or provided by another person is
charged and collected along with the charges for telecommunications services by
the person providing the business referred to in subparagraph 1
2. The term "user" refers to a
person who agrees to these terms and conditions and uses the telecommunications
and billing services provided by the company.
3. The term "access medium" means
a means or information used to direct transactions or to ensure the truth and
accuracy of users and transactions in communication billing transactions, such
as wired and wireless telephone numbers of users registered with wired and
wireless telephone and telecommunication companies, biometric information of
users, registered user numbers, unique numbers generated in conjunction with
user payment information (hereinafter referred to as "unique
numbers"), passwords necessary for the use of the above means or
information.
4. "Transaction order" refers to
the user instructing the company to handle the communication charging service
under the communication charging service contract.
5. The term "affiliated store"
means a person who sells or provides goods or services to users through
telecommunications billing services.
6. The term "mobile carrier"
means a person who performs the task of charging and collecting the price of
goods, etc. sold and provided by others, along with the fees for
telecommunications services provided by the company.
7. The term "designated date"
means the payment deadline for telecommunication services under No. 2 agreed by
the user with the mobile carrier, and follows the standards of the mobile
carrier.
8. The term "automatic monthly payment
service" refers to a product that automatically extends the period of use
of goods, etc. after the first purchase through the service with the consent of
the user and automatically charges the user every month.
9. The term "payment simplification
service" refers to a service that generates a unique number linked to the
user's payment-related information during the first payment of a user, and
utilizes the generated unique number to make continuous payments simply with
authentication.
10. "Cell Phone Simple Payment"
refers to a service that allows you to request payment only by entering your
unique number, mobile phone number and password or password after registering
the service.
Article 3 (Specification and Change of
Terms and Conditions)
1. The company will post these terms and
conditions before users use the telecommunications billing service and allow
users to verify the material content of these terms and conditions.
2. At the request of the user, the company
will issue a copy of these terms and conditions to the user by the transmission
method of electronic documents.
3. When the company changes the terms and
conditions, it notifies the user by posting the changed terms and conditions on
the payment information input screen and the company's website one month before
the effective date.
4. Although the company announced the terms
and conditions of the change in accordance with Paragraph 3 and clearly
announced that if the user does not express his or her intention to change the
terms and conditions by the date of application, it is deemed that the user has
agreed to change the terms and conditions unless the user explicitly expresses
his or her intention to change the terms and conditions, the user is deemed to
have agreed to the terms and conditions of the change. If the user does not
agree with the changed terms and conditions, the user may suspend the use of
the service and terminate the use contract.
Article 4 (Use of Services, etc.)
1. The company provides the service only
when the mobile carrier explicitly obtains the consent to use the following
information through a new service contract, etc. for users who have subscribed
to the mobile phone service or by moving numbers, and the company shall not be
liable if the mobile carrier violates this paragraph and causes damage to the
user.
① The content of claiming and collecting
consideration for goods, etc. sold and provided by others along with
telecommunications services provided by mobile telecommunications companies
② Service limit
2. The Company shall provide the following
information to the user and shall not be liable if the mobile carrier increases
the amount of use agreed under paragraph (1), and the Company shall not be
liable if the mobile carrier violates this paragraph and causes damage to the
user.
① Existing limit of use and increased limit
of use
② The fact that the limit of use can be
reduced and the method thereof
3. If a user uses the monthly automatic
payment service when purchasing goods, etc. from an affiliated store, the
company handles them according to the following subparagraphs.
① We get consent from users by checking the
amount used in the electronic payment window and the contents that the payment
will be automatically paid every month.
② If the amount of use is increased while
providing the monthly automatic payment service, consent is obtained by
checking the amount of use in the electronic payment window before the amount
of use is increased.
③ If the amount of use is increased pursuant
to subparagraph 2, the company notifies the user in advance of the change in
the amount of use through SMS, etc.
④ While providing the monthly automatic
payment service, the monthly automatic payment service is provided only when
the monthly payment details exist for the user or the monthly payment agreement
exists in the month when the franchise's business transfer, transfer, or merger
occurs.
⑤ The company blocks the monthly automatic
payment service if the user wants it.
4. The company can give the user a unique
number linked to payment-related information, etc., for payment simplification
service when providing the service with the user's application or consent.
After the user registers the payment-related information for the first time and
makes the payment, the company can decide whether to approve the transaction
only by authentication using the unique number given.
5. If the user has not used the service for
one year, the mobile carrier will stop providing the service, and in this case,
the company will provide the service only when the mobile carrier receives the
consent to use the service again from the user. The company shall not be liable
if the mobile carrier violates this paragraph and causes damage to the user.
Article 5 (Management of access media,
etc.)
1. When providing communication billing
services, the company can select an access medium to check the user's identity,
authority, and transaction instructions.
2. The user may not lend the access medium
to a third party, delegate its use, or provide it for transfer or collateral
purposes.
3. Users shall not leak, expose, or leave
their access media to third parties, and take sufficient care to prevent theft,
forgery, or tampering of the access media.
4. When the company receives a notice of
loss or theft of the access medium from the user, the company is responsible
for compensating the user for damages caused by the use of the access medium by
a third party from then on.
5. When a user agrees to use the service
under Article 4 to a mobile carrier, the company sets a payment password as an
access medium, so that payment can be made through the service only when the
relevant payment password is entered. However, for merchant services that
provide their own payment password, the payment password of the merchant or the
payment password set by the user is used, and the responsibility for the
management of loss or theft is borne by the relevant merchant and user, and the
management of the company or mobile carrier, not the management responsibility
of the user, is borne by the company or the mobile carrier.
Article 5-2 (Special Provisions for
Transactions Using Specific Access Media)
1. When providing telecommunication billing
services, the company can give users a means to access user-specific numbers
linked to necessary payment information or user-specific numbers at the request
of users.
2. When a user applies for granting a
separate user-specific number or means to access the user-specific number to
the company, the company stores the following information provided by the user
with the consent of the user.
① User's unique identification information
or identification information that can replace it
② a telecommunications company to which the
user has subscribed
③ the user's wired/wireless phone number
④ Password set by user
⑤ Other information required for
communication billing services
3. If the user reuses the communication billing
service by using the user's unique number linked to the necessary payment
information or means to access the user's unique number, the company may decide
whether to approve the transaction after confirming some of the password or
personal information set by the user stored in the preceding paragraph.
4. If the user wants to proceed with the
payment by the payment method provided by the company with the user's unique
number or the means to access the user's unique number, the terms and
conditions will automatically be applied when using the payment in the future
with one consent to the terms and conditions.
5. The user may request the company to
delete the stored personal information by the method of Article 16, and the
company shall delete the user's personal information as soon as it receives the
user's request. However, the matters referred to in Article 11 (2) cannot be
deleted to confirm the details of the transaction.
Article 6 (Construction of monitoring and
hacking prevention systems)
1. The company should have a monitoring
system that can monitor, warn, and control the state of resources in the
information processing system to check the normal operation of servers and
communication devices.
2. The company shall install the following
systems and programs to prevent hacking infringement.
① Installation of intrusion prevention
system
② Installation of intrusion detection
system
③ Installation of information protection
systems, such as other necessary protective equipment or cryptographic programs
Article 7 (Prevention of Virus Infection)
The company shall establish/operate
measures including the following to prevent computer virus infection.
① For applications whose sources,
distribution channels and producers are not clear, refrain from using them, and
use them after diagnosis and treatment with a computer virus search program if
inevitable
② Computer virus scanning, installing the
treatment program and maintaining the latest version
③ Prepare defense, exploration, and
recovery procedures against computer virus infection
Article 8 (Protection of Users'
Information)
1. The company may request protection
measures for users by e-mail, announcement, etc. in the following cases where a
serious infringement accident may occur in the information and communication
network of users who use the company's services or serious disruptions may
occur.
① If the user's equipment is used by a
third user, causing a disruption to the company's services
② Problems with H/W or S/W of the user's
equipment cause a disruption to the company's services
③ The user intentionally or accidentally
attempts or accesses the company maliciously
2. The contents of the protection measures
taken by the user are as follows.
① Immediate disconnection of connection
cable removal, service port blocking, network address blocking, etc. from the
equipment's network
② Security check for the equipment
③ Check related causes and follow-up
security measures such as patching, OS reinstallation, filtering, etc
3. The company may restrict access to the
information and communication network for five days if the user fails to comply
with the protection measures set forth in the preceding paragraph.
4. If the company unreasonably restricts
access to the user's non-compliance with protective measures, the user may
raise an objection to the person in charge of Article 14 (1), and the company
shall confirm the fact within two weeks of receiving the objection and send a
written answer to the user.
Article 8-2 (Notification of Personal
Information Leakage, etc.)
1. When the company becomes aware of the
loss, theft, or leakage of personal information (hereinafter referred to as
"leakage, etc."), it shall notify the relevant user of all the following
matters without delay and report them to the Ministry of Science and ICT.
However, if there is a legitimate reason,
such as the user's contact information unknown, the notification can be
replaced by posting it on the Internet homepage for more than 30 days.
① Personal information items that have been
leaked, etc
② When leaks, etc. occurred
③ What can be done by the user
④ company's countermeasures
⑤ Department and contact information to
which users can receive counseling, etc
2. The company should come up with
countermeasures against leakage of personal information and take measures to
minimize the damage.
Article 9 (Establishment of an Illegal
Transaction Blocking System)
1. The company shall establish the
following systems to protect users from illegal payments by third parties and
to minimize damage to users.
① Abnormal Transaction Type Analysis System
② DETECTION SYSTEM FOR TRANSACTION USING
DUPLICATED PHONE
③ Other Suspected Illegal Payment
Transactions Monitoring System
2. The company may block the payment
request if it is deemed to be an illegal payment request through the system
referred to in paragraph 1 of this Article.
3. If the user does not pay the payment
through the service for a long time or repeatedly, the company may inevitably
restrict the user's use of the service by the mobile carrier's policy and
request or the company's policy.
4. If the request for payment is blocked
pursuant to paragraph 1 of this Article, the user may contact the person in
charge of Article 16 paragraph 1 and use the communication billing service
after going through the identification process.
Article 10 (Korea Mobile Payment Industry
Association)
1. The company faithfully implements the
"Wired Telephone Payment User Protection Agreement" by participating
as a member of the Korea Mobile Payment Industry Association (hereinafter
referred to as the "Korea Association") to protect users from illegal
billing, duplicate phones, mobile phone hopping, and illegal marketing.
2. The company will review by the
association's steering committee and follow the guidelines set out by the
association and the Ministry of Science and ICT, and will advise merchants to
follow the guidelines and continue to monitor the merchants.
Article 11 (Rights and Duties of the
Company)
1. In accordance with the Act on Promotion
of Information and Communication Network Utilization and Information Protection
and Consumer Protection in Electronic Commerce, the company provides users with
integrated standard payment windows according to guidelines prepared by the
Ministry of Science and ICT and the Korea Mobile Payment Industry Association
to protect users by strengthening their obligation to notify electronic
payments and creating a safe payment environment.
2. If the company is the issuing entity,
using, or managing the access medium, it is liable for damages incurred to the
user due to an accident caused by forgery or falsification of the access
medium.
3. The company shall endeavor to protect
users by providing users with electronic payment windows under Article 8 (2) of
the Act on Promotion of Information and Communication Network Utilization and
Information Protection, etc. and Article 9 of the Enforcement Decree of the Act
on the Protection of Consumers in Electronic Commerce, etc. and strengthen
their obligation to inform users of electronic payment and create a stable
payment environment. In this case, the company may monitor whether the above
payment window is provided to the user and may stop providing the service at
the relevant franchise store if it violates it.
4. In order to confirm whether the user's
intention to subscribe is based on a genuine expression of intention, the
company clearly notifies the following matters and prepares a procedure for the
user's confirmation of the notified matters.
① Contents and types of goods or services
② the price of a good or service
③ the period of provision of goods or
services
5. In the event of damage to a user of the
telecommunications billing service in providing the telecommunications billing
service, the company shall compensate for the damage. However, this shall not
apply where the damage is caused by intentional or gross negligence of the user
of the telecommunications billing service.
6. If there is no agreement between the company
and the user on compensation for damages or cannot be negotiated, the parties
may apply for a ruling to the Korea Communications Commission.
7. The company can charge users a certain
amount of fees per case in addition to the transaction amount.
8. The company may receive the user's
personal information related to the telecommunications billing service from the
telecommunications company, and the company will use the information provided
above to the company's personal information collection/use, personal
information provision/consignment, and resident registration number collection
policy, as agreed.
9. The company may receive personal
information from the mobile carrier, such as the user's remaining payment limit
related to the service, authentication-related information, service use,
suspension, or resumption, and the company may not use the information provided
for any purpose other than the service.
10. The company may temporarily suspend the
provision of telecommunication billing services in the event of a maintenance
inspection, replacement and failure of information and communication facilities
such as computers, or a breakdown of communication.
11. The Company shall compensate the user
for damages caused by the temporary suspension of the provision of the
telecommunications billing service due to the reasons referred to in the
preceding paragraph: Provided, That this shall not apply if the Company proves
that there is no intention or negligence.
12. In accordance with Article 61 of the
Information and Communication Network Utilization Promotion and Information
Protection Act, the Company faithfully complies with the order to refuse,
suspend or restrict communication billing services ordered by the Ministry of
Science and ICT to each of the following persons.
① A person who sells, lends, or provides
harmful media to juveniles in violation of Article 16 of the Juvenile
Protection Act
② A person who significantly hinders the
interests of users by allowing users to purchase and use goods, etc. by using
any of the following means
- Transmission of commercial information
for commercial purposes in violation of Article 50 of the Information and
Communication Network Utilization Promotion and Information Protection, etc.
Act
- Deception or unjust incentives to users
③ A person who sells or provides goods,
etc. prohibited by the Act on Promotion of Information and Communication
Network Utilization and Information Protection, etc. or other Acts
13. If the user fails to pay the price of
goods charged along with the telecommunications service fee by the date
designated by the carrier, the company will impose additional charges according
to the policy of imposing additional charges by the mobile phone payment
provider that has a direct contractual relationship with the carrier.
- 1 month after delivery date: 30/1000
- At least 2 months after the delivery
date: 35/1000
14. When a user sets a payment password
through a carrier, the company must take technical measures to ensure that
payment proceeds only when the corresponding payment password is entered.
Article 11-2 (Providing the cancellation
function of the following month)
1. The company can still offer a
cancellation function after the month following the month of using mobile phone
payment upon the user's request. However, cancellation of payment for the
following month is possible when the carrier you are using provides the
function.
2. Some merchants may not be provided with
the following month cancellation function due to the nature of goods, and
depending on the policies of carriers and PG companies, the merchants who can
provide the following month cancellation function may vary.
3. In accordance with the carrier's policy,
the expected return amount incurred in response to the cancellation of the
following month will be offset from the user's claim. However, if the return
amount is higher than the future claim amount, the remaining return amount will
be offset sequentially from the subsequent claim amount.
4. When offsetting is processed, the user
is informed by SMS text message that offset will be made due to cancellation of
the following month.
5. The cancellation of the following month
is provided by the user's need or request, so interest on the return payment is
not added.
Article 12 (Notices)
1. The company quickly notifies users of
electronic payments by phone, fax, or mobile phone.
2. The company shall notify the user of the
following matters when consideration for the sale/provisions of goods, etc.
occurs and when requesting consideration.
① Date and time of use of telecommunication
billing service
② The trade name and contact information of
the counterparty (referring to a person who sells/provides goods or services
using the telecommunications billing service in exchange for the purchase/use
of the telecommunications billing service, hereinafter referred to as the
"counterparty")
③ Amount of purchase/use through
telecommunications billing service and its details
④ How to file an objection and contact
information
Article 13 (Confirmation of Transaction
Details)
1. The company shall provide a method for
the user to verify the purchase/use details, and if the user requests a
document on the purchase/use details (including electronic documents), it shall
be provided within two weeks from the date of receipt of the request.
2. The company shall preserve records on
the following matters for one year from the date of the relevant transaction:
Provided, That where the transaction amount per transaction exceeds 10,000 won,
it shall be preserved for five years.
① Types of transactions using
telecommunications billing services
② transaction amount
③ counterparty
④ Date and time of transaction
⑤ Subscriber number for telecommunications
service that charges/collects payments
⑥ Matters concerning fees received by the
company in exchange for the provision of telecommunications billing services
⑦ Matters concerning access to
telecommunications services related to the transaction
⑧ Matters concerning application for
transaction and change of conditions
⑨ Matters concerning the approval of the
transaction
⑩ Other matters determined and publicly
announced by the Ministry of Science and ICT
3. The transaction records under the
preceding paragraph shall be preserved in writing, microfilm, disk, magnetic
tape, and other computerized information processing organizations. However, in
the case of preservation by disk, magnetic tape, or other computer information
processing organization, all requirements of Article 5 (1) of the Framework Act
on Electronic Transactions must be met.
4. If a user wishes to request the issuance
of the document prescribed in paragraph (1), he/she may request the following
address and phone number.
Address: 9, Hakdong-ro 2-gil, Gangnam-gu,
Seoul
Email address: impayhelp@payletter.com
Phone number: 1599-7591
Article 14 (Request for correction)
If the user knows that the
telecommunications billing service has been provided against his/her will,
he/she may request the company to correct it (except if there is intention or
gross negligence of the user), and the company shall notify the result of the
processing within two weeks from the date of receiving the correction request.
Article 15 (Protection of Personal
Information)
The company strives to protect users'
personal information as prescribed by relevant laws, such as the Act on
Promotion of Information and Communication Network Utilization and Information
Protection, etc. The relevant laws and the personal information processing
policy posted on the company's website (pg.payletter.com ) apply to the
protection and use of personal information.
Article 16 (Application for Objection and
Relief of Rights)
1. A user may file an objection and request
relief of rights against the following person in charge of protection.
a person in charge of protection
Affiliated: Head of Business Division,
Payletter Co., Ltd
Phone: 1599-7591
E-mail : POQ_Bizop@payletter.com
Representative
Affiliated: Managing Director, Payletter
Co., Ltd. Business Division
Phone: 1599-7591
E-mail : poq_op@payletter.com
2. Users can file an objection related to
the telecommunications billing service with the company through written
(including electronic documents), telephone, and simulation transmission.
3. The company shall notify the user of the
results of the investigation or processing within two weeks from the date of
receipt of the objection under paragraph (2).
4. If there is a dispute between the user
and the counterparty regarding electronic payment, the company will cooperate
without delay in the following matters to the extent necessary for dispute
resolution, if the user or the counterparty clarifies and requests the dispute
resolution.
① Allow viewing and copying of information
related to payment (including information related to user authentication) that
caused the dispute
② Allow viewing and copying of information
related to the company's security maintenance measures for payment that caused
disputes. However, if disclosed, information that may cause security
maintenance problems may be denied.
Article 17 (Obligation to ensure the
stability of the company)
To ensure the safety and reliability of
telecommunication billing services, the company complies with the standards set
by the Ministry of Science and ICT in the information technology sector and
telecommunication billing services such as personnel, facilities, and
electronic devices for electronic transmission or processing by type of
telecommunication billing services.
Article 18 (Action against an illegal
enterprise or an illegal person)
In any of the following cases, the Company
may refuse, suspend, or restrict the provision of services to the counterparty
that causes damage to users due to illegal activities, or may not collect the
sale or provision of goods, etc. provided by the counterparty.
1. If there is a report of illegal
activities from the association
2. Where there is a request for action on
illegal activities from legal institutions related to user protection, such as
the Ministry of Science and ICT, the Korea Communications Commission,
investigative agencies, and the Korea Consumer Agency
3. Where there is objective evidence of the
occurrence of illegal activities through other services
Article 19 (Rules and Jurisdiction outside
of Terms and Conditions)
1. Matters not prescribed in these terms
and conditions shall be governed by laws related to consumer protection, such
as the Information and Communication Network Promotion and Information
Protection Act, the Electronic Financial Transactions Act, the Consumer
Protection Act in Electronic Commerce, the Telecommunications Sales Act, and
the Credit Specialized Financial Business Act.
2. The jurisdiction over disputes between
the company and the user shall be governed by the Civil Procedure Act.
Supplementary Provisions
Date of announcement of change in terms and
conditions of use of telecommunications billing service: February 18, 2025
Effective date of the terms and conditions
of use of telecommunications billing service: February 25, 2025
<No. 1, 2016.11.7>
The terms and conditions of use of this
telecommunications billing service will take effect from November 14, 2016.
<No. 2, December 23, 2017>
The terms and conditions of use of this
telecommunications billing service will take effect on January 1, 2018.
<No. 3, 2018.06.01>
The terms and conditions of use of this
telecommunications billing service will take effect from June 9, 2018.
<No. 4, 2019.02.15>
The terms and conditions of use of this
telecommunications billing service will take effect from February 22, 2019.
<No. 5, 2019.04.30>
The terms and conditions of use of this
telecommunications billing service will take effect from June 1, 2019.
<No. 6, December 24, 2019>
The terms and conditions of use of this
telecommunications billing service will take effect on January 23, 2020.
<No. 7, 2020.10.01>
The terms and conditions of use of this
telecommunications billing service will take effect from November 1, 2020.
<No. 8, 2022 August 17>
The terms and conditions of use of this
telecommunications billing service will take effect on September 1, 2022.
<No. 9, 2023, June 22>
The terms and conditions of use of this
telecommunications billing service will take effect on June 30, 2023.
<No. 10, 2025. 1.7>
The terms and conditions of use of this
telecommunications billing service come into effect on January 14, 2025.
<No. 11, 2025 February 18>
The terms and conditions of use of this
telecommunications billing service will take effect on February 25, 2025.