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.

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

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.

The content of claiming and collecting consideration for goods, etc. sold and provided by others along with telecommunications services provided by mobile telecommunications companies

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.

Existing limit of use and increased limit of use

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.

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.

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.

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.

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.

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.

User's unique identification information or identification information that can replace it

a telecommunications company to which the user has subscribed

the user's wired/wireless phone number

Password set by user

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.

Installation of intrusion prevention system

Installation of intrusion detection system

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.

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

Computer virus scanning, installing the treatment program and maintaining the latest version

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.

If the user's equipment is used by a third user, causing a disruption to the company's services

Problems with H/W or S/W of the user's equipment cause a disruption to the company's services

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.

Immediate disconnection of connection cable removal, service port blocking, network address blocking, etc. from the equipment's network

Security check for the equipment

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.

Personal information items that have been leaked, etc

When leaks, etc. occurred

What can be done by the user

company's countermeasures

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.

Abnormal Transaction Type Analysis System

DETECTION SYSTEM FOR TRANSACTION USING DUPLICATED PHONE

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.

Contents and types of goods or services

the price of a good or service

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.

A person who sells, lends, or provides harmful media to juveniles in violation of Article 16 of the Juvenile Protection Act

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

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.

Date and time of use of telecommunication billing service

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")

Amount of purchase/use through telecommunications billing service and its details

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.

Types of transactions using telecommunications billing services

transaction amount

counterparty

Date and time of transaction

Subscriber number for telecommunications service that charges/collects payments

Matters concerning fees received by the company in exchange for the provision of telecommunications billing services

Matters concerning access to telecommunications services related to the transaction

Matters concerning application for transaction and change of conditions

Matters concerning the approval of the transaction

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.

Allow viewing and copying of information related to payment (including information related to user authentication) that caused the dispute

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.