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#Policy Terms of Service Agreement

Article 1 (Purpose)

These terms and conditions are intended to define the rights, duties, and responsibilities of the company and its members, as well as other necessary matters related to the use of services provided by the company operating the website (hereafter 'website') and the application (hereafter 'app') of Market Designers Inc. (hereafter 'the company').

Article 2 (Definition of Terms)

The definitions of terms used in these terms and conditions are as follows:

① 'Service' refers to all related services accessible to 'members,' regardless of the device implemented (including various wired and wireless devices such as PCs, TVs, portable devices, etc.).

② 'Member' refers to a customer who accesses the company's 'service,' enters into a service contract with the 'company' in accordance with these terms, and uses the 'service' provided by the 'company'.

③ 'ID' refers to the electronic mail address (email) owned by a 'member' for identification and service use, set as a combination of characters and numbers in an email format approved by the company. In cases of social login, the email address provided by platform operators like Naver can be used as an ID.

④ 'Password' refers to a combination of characters or numbers set by the 'member' to verify their identity associated with their 'ID' and to protect confidentiality.

⑤ 'Payment affiliate partners' refers to external affiliate partners that provide payment methods necessary for using the company's paid services.

⑥ 'Points' refer to non-refundable mileage that can be used within a range designated by the company, accumulated through purchasing products, participating in events, etc.

⑦ 'Post' refers to signs, characters, voices, sounds, images, videos, and other forms of information such as writings, photos, videos, various files, and links posted on the 'service' by a 'member'.

Article 3 (Posting and Revision of Terms)

① The 'company' will post these terms on the service screen or notify them by other methods so that 'members' can easily know their contents.

② The 'company' may amend these terms within the scope not violating laws related to regulation of terms, the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc. (hereafter 'Information and Communications Network Act'), and other related laws.

③ When the 'company' amends the terms, it will specify the applicable date and reasons for revision, and announce the revised terms along with the current terms from 7 days prior to the applicable date until the day before the applicable date. However, in case of amendments to the terms that are disadvantageous to members, the company shall also clearly notify separately through electronic means such as in-service electronic mail, electronic notes, and consent windows upon login for a certain period.

④ If the company notifies or announces the revised terms as described in the previous paragraph and clearly states that failure to express an intention within 30 days is considered as agreement, and the member does not explicitly express refusal, then the member is deemed to have agreed to the revised terms.

⑤ If a 'member' does not agree to the application of the revised terms, the company cannot apply the content of the revised terms, and in this case, the member can terminate the contract of use. However, if there are special circumstances where the existing terms cannot be applied, the company may terminate the contract of use.

Article 4 (Interpretation of Terms)

① 'The Company' may establish separate terms of use and policies (hereafter 'Paid Service Terms, etc.') for 'Paid Services' and individual services, and in the event of any conflict with these terms, the 'Paid Service Terms, etc.' will be applied.

② Matters not specified or interpretations in these terms shall follow the 'Paid Service Terms, etc.' and relevant laws or customary practices.

Article 5 (Formation of Usage Contract)

① A usage contract is formed when an applicant wishing to become a 'member' (hereafter 'applicant') agrees to the terms and submits a membership application, and 'the Company' accepts this application.

② 'The Company' generally accepts applications for service use from 'applicants.' However, 'the Company' may not accept an application or may terminate the usage contract post-acceptance in the following cases:

1. If the applicant has previously been deprived of membership status under these terms

2. If the application is not made under one's real name or uses the identity of another person

3. If false information is provided or if the applicant fails to provide information as required by 'the Company'

4. If a child under the age of 14 does not obtain consent from their legal guardian (parent, etc.)

5. If it is not possible to approve due to the applicant's fault or other violation of stipulated matters

6. If the applicant uses abusive language, sexual harassment, disturbances, personal attacks, or threatening expressions towards 'the Company’s' service staff or instructors, seriously impacting the working environment and disrupting consultation, operations, and classes

7. If the applicant disparages the company’s reputation or undermines its credibility by stating or spreading baseless or false facts related to 'the Company's' classes and services

8. 'The Company' may suspend, hold, or terminate the service use without prior notice if any of the aforementioned violations by the 'member' are confirmed.

③ In the application mentioned in paragraph 1, 'the Company' may request real-name verification and personal identification through a professional agency depending on the type of 'member.'

④ 'The Company' may withhold acceptance if there is a lack of service-related facilities or if there are technical or business issues.

⑤ If 'the Company' does not accept or withholds a membership application according to paragraph 2 and 4, it will notify the applicant.

⑥ The establishment of the usage contract is at the time 'the Company' indicates the completion of registration in the application process.

Article 6 (Changes in Member Information)

① 'Members' can view and modify their personal information at any time through the personal information management page. However, changes cannot be made to information necessary for service management such as the real name and email (ID).

② 'Members' must notify 'the Company' online or via email or other methods if there are changes to the details provided at the time of membership application.

③ 'The Company' is not responsible for any disadvantages arising from the 'member's' failure to notify 'the Company' of changes mentioned in paragraph 2.

Article 7 (Duty to Protect Personal Information)

'The Company' strives to protect 'members'' personal information in accordance with the regulations set forth by laws such as the 'Information and Communications Network Act.' The protection and use of personal information are subject to the relevant laws and 'the Company’s' privacy policy. However, 'the Company’s' privacy policy does not apply to linked sites outside the official site of 'the Company.'

Article 8 (Member's Duty to Manage ID and Password)

① The responsibility for managing the 'member's' 'ID' and 'password' lies with the member, and these should not be allowed to be used by third parties.

② 'The Company' may restrict the use of a 'member's' 'ID' if there is a concern about personal information leakage, if it is antisocial or contrary to public morals, or if there is a risk that it could be mistaken for the identity of 'the Company' or its operators.

③ If a 'member' becomes aware that their 'ID' and 'password' have been stolen or are being used by a third party, they must immediately notify 'the Company' and follow the instructions provided by 'the Company'.

④ In the event described in paragraph 3, 'the Company' is not responsible for any disadvantages that occur if the 'member' fails to notify 'the Company' or does not follow the guidance provided by 'the Company' after notifying them.

Article 9 (Notices to Members)

① In the absence of specific provisions in these terms, 'The Company' may notify 'members' through the service's email addresses or electronic messages.

② For notices to all 'members,' 'the Company' may replace the notification described in paragraph 1 by posting on the 'Company's' bulletin board for at least 7 days.

Article 10 (Duties of the Company)

① 'The Company' will not engage in activities that are prohibited by related laws and public morals and will strive to provide 'services' continuously and stably.

② 'The Company' must have a security system in place to ensure that 'members' can use the 'service' safely, including the protection of personal information (including credit information), and must publish and comply with a privacy policy.

③ 'The Company' must address any opinions or complaints raised by 'members' regarding the use of services if deemed legitimate. The processing and results of such opinions or complaints must be communicated to the 'members' via bulletin boards or email.

Article 11 (Duties of the Member)

① Members shall not engage in the following activities:

1. Registering false information during application or modification

2. Misappropriating someone else’s information

3. Altering information posted by 'the Company'

4. Transmitting or posting information other than that specified by 'the Company' (including computer programs)

5. Infringing on the intellectual property rights of 'the Company' or any third party

6. Actions that damage the reputation of 'the Company' or other third parties or disrupt their operations

7. Publishing or posting obscene or violent messages, images, voices, or other information that contradicts public morals on the 'Service'

8. Using the 'Service' for commercial purposes without the consent of 'the Company'

9. Any other illegal or unfair activities

10. Actions that violate the human rights of service staff and instructors and disrupt operations and classes such as the following:

1) Using insults, sexual harassment, disturbances, personal attacks, or threatening expressions unrelated to the lessons towards service staff and instructors

2) Actions that may cause severe psychological harm to the service staff and instructors

3) Asking for personal information from service staff and instructors or contacting them in ways other than those provided by 'the Company'

11. 'The Company' may review whether a 'member' has engaged in the prohibited activities specified in these clauses and decide whether to suspend the member's rights, limit, or terminate the use of the services. Furthermore, if the actions are deemed to have a clear fault and pose a significant issue, 'the Company' may take legal action.

Article 12 (Provision of the Service, etc.)

① The Company provides the following services to members. However, the contents of these services may be added to or changed according to 'the Company's' policy:

1. Educational services

2. Video lecture services

3. Diagnostic evaluation services

4. Provision of educational information and counseling services

5. Any other services that 'the Company' develops additionally or provides through partnership agreements with other companies

② 'The Company' may temporarily suspend the provision of 'services' if necessary for maintenance checks, replacement, or failures of computer and other information communication facilities, or due to significant operational reasons. In such cases, 'the Company' will notify members in the manner specified in Article 9 (Notices to 'Members'). However, if there is an unavoidable reason that prevents prior notification, the notice may be given afterward.

③ 'The Company' may conduct regular inspections if necessary for the provision of services.

④ 'The Company' may use the history of the 'member's' service usage for research purposes to improve service quality. In doing so, 'the Company' will manage it in compliance with the relevant laws and guidelines on personal information protection.

Article 13 (Changes to the Service)

① 'The Company' may change all or part of the 'services' it provides for operational or technical reasons if there is a significant reason to do so.

② If there is a change to the content, method, or timing of the 'service', 'the Company' will post the reason for the change, the content of the service to be changed, and the date of provision in advance.

③ 'The Company' may modify, interrupt, or change all or part of the services provided for free as necessary for policy and operational reasons, and unless there is a specific law to the contrary, no compensation will be provided to the 'members'.

Article 14 (Educational Services)

① Education services may be provided for a fee, and in such cases, the fees, usage conditions, payment methods, etc., shall follow separate notification procedures.

② 'Member' must maintain the network status of their mobile, tablet, or other devices in a smooth condition during the class time with the instructor.

③ If a 'Member' does not enter the reserved class within the designated entry time, it will be treated as an absence, and missed classes will not be rescheduled or compensated.

④ If the education service is not properly conducted due to the 'Company's' intentional or gross negligence, 'the Company' will compensate the 'Member' according to the 'Company's' policy. However, no separate compensation will be provided for reasons attributable to the 'Member'.

⑤ The contents of the classes and conversations with consulting staff by members using the education service will be recorded (including audio, video, and text) for the purposes of the member's learning and the improvement and management of the service.

⑥ The use of the recorded files will follow the provisions below.

1. 'The Company' is responsible for managing the 'Member's' class records faithfully and may use them for improving service quality and for R&D purposes.

2. The recorded class conversations and conversations with consulting staff, as per clause 5, will be securely stored on the server, and the recorded files will be provided to the 'Member' for one year after storage.

3. 'Member' may use the recorded files solely for personal learning purposes and cannot post or distribute the recorded files that include any part of the 'Service' externally.

4. 'Member' can request to view or delete the conversation records with consulting staff from the person in charge of management.

⑦ 'Member' can apply for an extension of the usage period of the paid subscription pass once per pass. However, the availability of extension and the extension period may vary by pass, and this is subject to the 'Company's' separate operational policies.

⑧ Subscription passes extended under clause 7 are non-refundable.

Article 15 (Regular Subscription)

① 'Regular Subscription' is a service where the subscription period is renewed according to the period determined by the 'Company,' and the service usage fee is automatically charged.

② The 'Regular Subscription' service applies immediately after the 'Member' first subscribes to the 'Regular Subscription' service, and 'the Company' informs the 'Member' of the regular payment date in advance.

③ If the 'Regular Subscription' service is canceled, it will not be automatically renewed on the next regular payment date, but the service can still be used until the specified end date after the cancellation process.

④ When canceling the 'Regular Subscription' service, the contract for the already paid period remains valid, and the payment will not proceed, and the service will be suspended from the next usage period.

Article 16 (Payment)

① Payment for the purchase of services is generally charged according to the methods and policies determined by the 'Payment Partner' (telecommunication companies, open markets, mobile applications, etc.), and payment methods are also to be followed accordingly. Limits may be assigned to each payment method according to the company's policy, the policy of the 'Payment Partner,' and government directives.

Article 17 (General Refund Policy)

① According to the 「Act on Consumer Protection in Electronic Commerce」, the 'Member' can withdraw their subscription within 7 days from the date of the education service contract. However, this is only applicable if the paid content service has not been used; if the paid content service has been used, the refund regulations stipulated in this clause will apply.

② If the product is purchased through a 'Payment Partner' in contract with the 'Company,' the refund will follow the policy set by the 'Payment Partner.'

③ If a 'Member' terminates the use of the education service midway or if the 'Company' terminates the service use contract due to a reason attributable to the 'Member,' the following provisions apply:

1. Upon the 'Member’s' refund request, the refund will be processed by deducting the amounts subject to deduction from the actual payment amount.

a. The actual payment amount refers to the actual approved payment amount excluding any discounts and 'points' applied to the product.

b. The amounts subject to deduction include the 'usage fee until the cancellation date for the purchased product,' 'device and package components,' 'shipping and transportation fees,' 'financial fees,' 'Payment Partner fees,' 'received refunds,' 'value of tangible products,' 'cancellation penalty (10% of the refundable amount),' and 'points used during payment.' However, the amounts subject to deduction may vary depending on the purchased product and cancellation conditions.

2. Discounts are benefits provided on the condition that the service is used as agreed. Therefore, if the student cancels the contract midway, the discount benefits will be excluded, and the refund will be calculated based on the regular price according to the elapsed subscription period, and this amount will be deducted from the actual payment amount.

3. The company will process the refund within 8 business days from the date of refund approval. However, in the case of payment through a 'Payment Partner' as per Article 16, the time required may follow the policy of the 'Payment Partner.'

4. If a refund is requested for a 'paid service' purchased in a currency other than Korean Won (₩), the refund amount will be calculated based on the exchange rate on the refund application date, not the purchase date.

5. The refund conditions for 'Regular Subscription' follow the provisions separately set forth in Article 15.

④ The 'usage fee until the cancellation date for the purchased product,' i.e., the deduction amount, is determined according to the following provisions in the 「Enforcement Decree of the Act on the Establishment and Operation of Private Teaching Institutes and Extracurricular Lessons」, Article 18, Paragraph 3.

1. If the subscription period is within 1 month

Classification		Deduction Amount
Before the start of the subscription	-	No deduction
After the start of the subscription	Before 1/3 of the total subscription period has elapsed	1/3 of the total product price
	Before 1/2 of the total subscription period has elapsed	1/2 of the total product price
	After 1/2 of the total subscription period has elapsed	Total product price

2. If the subscription period is within 1 month

Classification	Deduction Amount
Before the start of the subscription	No deduction
After the start of the subscription	The sum of the accumulated deduction amount up to the month before the refund reason occurred and the deduction amount for that month (calculated based on '1. If the subscription period is within 1 month')

3. Refund Precautions

- If the usage rate of the subscription ( = used subscription count / purchased subscription count) exceeds the elapsed class time ratio, the deduction amount will be determined based on the usage rate of the subscription.

- The start of the subscription means the time when the member starts using the service immediately after purchasing the paid product. After the service starts, members can use paid subscriptions, other video services aimed at foreign language learning, and paid content services.

- Used subscriptions refer to regular classes attended, missed, or canceled up to the time the refund reason occurred. Attendance, absence, and cancellation are defined as follows:

- Attendance: The 'Member' participated in the class at the scheduled class time

- Absence: The 'Member' did not participate in the class at the scheduled class time without notice

- Cancellation: The 'Member' canceled the class because they could not participate at the scheduled class time

⑤ The 'Company' may refuse a refund in the following cases:

1. If the 'product and service, etc.' are destroyed or damaged due to reasons attributable to the 'Member' or due to a natural disaster.

2. If the value of the 'product and service, etc.' has significantly decreased due to the 'Member's' use or partial consumption.

3. If the value of the 'product and service, etc.' has significantly decreased to the extent that resale is difficult due to the passage of time.

4. If the packaging of the 'product and service, etc.' that can be reproduced is damaged.

5. If the refundable amount calculated through the settlement according to the 'Member's' payment and usage conditions is less than or equal to zero.

Article 18 (Copyright of 'Posts')

① The copyright of 'posts' that 'members' publish within the 'service' belongs to the authors of those posts.

② 'Posts' that 'members' publish within the 'service' may be exposed in search results, 'services,' and related promotions, and to the extent necessary for such exposure, they may be partially modified, copied, or edited. In this case, the 'company' will comply with copyright laws, and 'members' can take actions such as deletion, exclusion from search results, or setting to private through the learning consulting center or management functions within the 'service' at any time.

③ If the 'company' wishes to use 'members'' 'posts' in ways other than those stipulated in paragraph 2, the 'company' must obtain the 'members'' prior consent through phone, fax, email, etc.

④ The copyright of class recording files posted by the 'company' within the 'service' for the purpose of 'members'' learning belongs to the 'company'.

Article 19 (Management of 'Posts')

① If 'members'' 'posts' contain content that violates the 'Information and Communications Network Act,' the 'Copyright Act,' or other related laws, the rights holders can request the suspension or deletion of the relevant 'posts' according to the procedures defined by the related laws, and the 'company' must take action in accordance with these laws.

② Even if there is no request from the rights holders as mentioned in the previous paragraph, if there are reasons to recognize infringement of rights or if the 'posts' violate company policies or related laws, the 'company' can take temporary measures, etc., in accordance with related laws.

Article 20 (Attribution of Rights)

① The copyrights and intellectual property rights of the 'service' belong to the 'company.' However, 'members'' 'posts' and works provided under partnership agreements are excluded.

② The 'company' grants 'members' only the right to use accounts, 'IDs,' content, and 'points' according to the usage conditions set by the 'company' in relation to the service, and 'members' cannot transfer, sell, or provide them as collateral.

Article 21 ('Points')

① 'Points' are provided to members by the company as compensation for using the service, purchasing goods, or participating in company events.

② For domestic users, 1 point equals 1 won (₩) in value. For overseas users, 1,000 points equal the value of 1 USD, but the company may change this without prior notice due to rapid exchange rate fluctuations.

③ The accumulation and rate of 'points' are separately notified by the company on the service screen.

④ 'Points' can be used for payment of paid services within the site. However, the purposes and conditions of use may change according to the company's policy.

⑤ 'Points' cannot be transferred to others, lent, or used as collateral.

⑥ If 'points' are accumulated through fraudulent means or exceed the actual charged or paid amount, the company may cancel the accumulated points.

⑦ 'Points' cannot be refunded in cash. The validity period of 'points' is 1 year from the date of accumulation. If not used within this period, they will automatically expire. However, the usage period of points accumulated through events may differ and will follow the guidelines provided at the time of accumulation.

⑧ If the company intends to terminate the 'points' system, it will notify members 30 days in advance in accordance with Article 9, Paragraph 1 of these terms.

⑨ After the notification specified in paragraph 8, members cannot use the terminated system, and accumulated 'points' must be used according to the terms by the termination date. If not used by the termination date, they will automatically expire.

Article 22 (Termination of Contract, Cancellation, etc.)

① 'Members' may request withdrawal at any time through the membership withdrawal function provided within the service. Upon requesting termination of the usage agreement, the 'company' must process it immediately in accordance with relevant laws.

② Upon termination of the contract by 'members,' all data of the 'members' will be deleted immediately, except where the 'company' retains member information pursuant to related laws and the privacy policy.

Article 23 (Restriction of Use, etc.)

① The 'company' may gradually restrict the use of the 'service' by 'members' through warnings, temporary suspensions, or permanent suspensions if 'members' violate the obligations under these terms or disrupt the normal operation of the 'service.'

② Notwithstanding the above, the 'company' may immediately suspend the use of the 'service' permanently if 'members' violate related laws, such as identity theft and payment fraud in violation of the Resident Registration Act, provision and operation interference of illegal programs in violation of the Copyright Act and the Computer Program Protection Act, illegal communications and hacking in violation of the Information and Communications Network Act, distribution of malicious programs, and excessive access. Upon permanent suspension under this clause, all 'points' and other benefits acquired through the use of the 'service' will be forfeited, and the 'company' will not compensate for them separately.

③ Within the scope of use restrictions under this Article, the conditions and details of restrictions are determined by the use restriction policy and operational policies on individual services as defined by the 'company.'

④ When restricting the use of the 'service' or terminating the contract under this Article, the 'company' shall notify in accordance with Article 9 ('Notification to Members').

⑤ 'Members' may lodge an objection according to the procedures established by the 'company' regarding the use restrictions under this Article. If the objection is deemed justified by the 'company,' the 'company' will immediately resume the use of the 'service.'

Article 24 (Limitation of Liability)

① The 'company' shall be exempted from liability for providing the 'service' in cases of force majeure or events equivalent thereto that prevent the provision of the 'service.'

② The 'company' shall not be liable for interruptions in the use of the 'service' due to 'members'' attributable reasons.

③ The 'company' shall not be responsible for the reliability, accuracy, etc., of information, data, or facts posted by 'members' in connection with the 'service.'

④ The 'company' shall be exempted from liability for transactions, etc., between 'members' or between 'members' and third parties mediated through the 'service.'

⑤ The 'company' shall not be liable for the use of services provided free of charge unless otherwise specified by relevant laws.

Article 25 (Governing Law and Jurisdiction)

① Disputes between the 'company' and 'members' shall be governed by the laws of the Republic of Korea.

② Lawsuits concerning disputes arising between the 'company' and 'members' shall be brought before the competent court under the Civil Procedure Act.

Supplementary Provisions

1. Date of Announcement: April 4, 2024

2. Effective Date: April 11, 2024