Article 1 (Purpose)

• These Terms set out the conditions and procedures for using the services (the "Services") provided by Korea Credit News (the "Company"), and the rights, obligations and other matters between the Company and the customers who use the Services ("Members").

Article 2 (Effect and Amendment of the Terms)

1. The Services are provided on condition that the Member accepts these Terms. A Member is deemed to have agreed to these Terms when they click the "Agree" button during registration.
2. These Terms take effect when they are posted online.
3. The Company may amend these Terms where there is a compelling reason to do so. Amended Terms take effect when they are announced online.
4. A Member who does not agree to the amended Terms may request to withdraw their membership. A Member who continues to use the Services after the effective date of the amended Terms is deemed to have agreed to the amendments.

Article 3 (Matters Not Covered)

• Matters not expressly provided for in these Terms are governed by the relevant laws and regulations of the Republic of Korea.

Article 4 (Formation of the Service Agreement)

1. The service agreement is formed when the Company accepts a Member's application for membership.
2. The Company may refuse an application if the information provided is false or the application otherwise violates the prescribed requirements.

Article 5 (Termination of the Service Agreement)

1. A Member may request termination of the service agreement at any time.
2. Upon receiving a termination request, the Company will promptly process the Member's withdrawal and delete their personal information, except where retention is required by law or specified in the Privacy Policy.
3. The Company may terminate, restrict or suspend the service agreement without prior notice if a Member violates Article 9 (Obligations of Members).

Article 6 (Services)

1. The Company provides the following services:
   - News service
   - Video service
   - Bulletin board service
   - Survey service
   - Database service
2. The Company may add, change or discontinue services where necessary.

Article 7 (Obligations of the Company)

1. The Company will do its best to provide the Services continuously and reliably.
2. As a rule, the Services are provided 24 hours a day, 365 days a year. However, the Services may be temporarily suspended for scheduled maintenance, natural disasters, emergencies or other unavoidable reasons.

Article 8 (Protection of Personal Information)

1. The Company will not disclose or distribute to third parties any personal information collected in connection with the Services without the Member's prior consent, except where requested by a competent authority in accordance with applicable law.
2. Details concerning the data protection officer and other matters relating to personal information are set out in the separate Privacy Policy.

Article 9 (Obligations of Members)

1. Members are responsible for managing their ID and password.
2. Members may not transfer or lend their ID to a third party.
3. Members must notify the Company if their ID is used without authorisation.
4. Members must ensure that the information they provide at registration contains no falsehoods, errors or omissions.
5. Members must not infringe the rights, including copyright, of third parties.
6. Members must comply with these Terms and applicable law and must not interfere with the Company's business in any way.
7. Members may not use the Services for any commercial purpose without the Company's prior consent.

Article 10 (Copyright)

1. The copyright in all of the Company's Services belongs to the Company and to the content providers and advertisers that supply content to the Company. All such works are protected by copyright law and related legislation and may not be reproduced, published, transmitted, distributed, broadcast or otherwise used, or made available to third parties, without the prior consent of the Company, the content provider or the advertiser. Infringement of these works is subject to the applicable laws.
2. The Company is not responsible for content posted by Members in article comments, bulletin boards or elsewhere within the Services.
3. Further details on copyright are set out in the separate Copyright Policy.

Article 11 (Miscellaneous)

• These Terms are based on the standard terms and conditions of the Korea Fair Trade Commission.