Article 1 (Purpose)

The purpose of these Terms and Conditions is to prescribe the rights, duties, and responsibilities of users during their use of Internet-related services (hereinafter referred to as "services") provided via online, mobile web, and app services (www.delio.io) operated by Delio Co., Ltd. (hereinafter referred to as "Company").

Article 2 (Definitions)

① The term "service" means a virtual place of business established by the Company to trade goods, etc. using information and communications facilities, such as computers, so as to provide goods or services (hereinafter referred to as "goods, etc.") to users. ② The term "user" means a member or a non-member accessing the "services" and receiving the services provided by "Company" under these Terms and Conditions. ③ The term "member" means a person who has registered as a member of the "Company" and who is eligible to continue using the services provided by the "Company." ④ The term "non-member" means a person who uses the services provided by the Company without signing up for membership.

Article 3 (Statement, Explanation, and Revision of Terms and Conditions, etc.)

① The Company will post on the initial service screen (front) of the "Online Service" -- to make it easier for users to understand the contents of these Terms and Conditions -- the trade name and name of representative, addresses of the places of business (including the address that will handle consumer complaints), telephone number, fax number, electronic mail address, business license number, mail-order business report number, and privacy officer. Note, however, that the Terms and Conditions may be available for users to view through the connection screen. ② Before the user agrees to the Terms and Conditions, the Company must seek the user's confirmation by providing a separate connection screen or a pop-up screen to ensure that the user understands the important contents such as agreement revocation or refund conditions. ③ The "Company" may revise these Terms and Conditions to the extent that it does not violate the relevant statutes, such as the “Act on Consumer Protection in Electronic Commerce, Etc.,” “Framework Act on Electronic Documents and Transactions,” “Electronic Financial Transactions Act,” “Digital Signature Act,” “Act on the Promotion of Information and Communications Network Utilization and Information Protection, etc.,” “Act on Door-to-Door Sales, Etc.,” and “Framework Act on Consumers.” ④ If the Company amends these Terms and Conditions, the effective date and reasons for said amendment will be specified and announced along with the current Terms and Conditions beginning seven days prior to the effective date of the revised Terms and Conditions until the effective date. Where these Terms and Conditions are amended in a manner unfavorable to users, however, the announcement will be made with a grace period of at least 30 days. In this case, the Company will clearly compare the details of the Terms and Conditions before and after the amendment for users' easy understanding. ⑤ Where the Company revises these Terms and Conditions, the revised Terms and Conditions will be applicable to the agreements concluded subsequent to the effective date thereof, and the agreements entered into prior to said date will be subject to the Terms and Conditions prior to the amendment. If a user who has already entered into an agreement sends his/her intention to be subject to the revised Terms and Conditions to the Company within the notice period for the revised Terms and Conditions under Paragraph 3, however, the revised Terms and Conditions shall apply thereto. ⑥ Any and all matters other than those set forth under these Terms and Conditions and the interpretation of these Terms and Conditions will be governed by the Act on Consumer Protection in Electronic Commerce, Etc., Act on the Regulation of Terms and Conditions, and “Guidelines for Consumer Protection in Electronic Commerce, Etc.” prescribed by the Fair Trade Commission and relevant statutes or commercial practices.

Article 4 (Provision and Modification of Services)

① The Company has the following duties:     1. Provision of information on goods and services and conclusion of purchase agreements;     2. Processing of goods or services subject to signed agreements;     3. Other duties prescribed by the Company; ② The Company may modify the contents of goods and services to be provided under the agreements to be entered into in the future due to shortage of goods, etc. or changes in technical specifications. In this case, the contents of the modified goods or services and the date of provision will be immediately relayed to the place where the current contents of the goods or services are posted. ③ If the contents of the service subject to an agreement with a user are modified due to shortage of goods, etc. or changes in technical specifications, the user will immediately be notified of the reason via the address available for notification. ④ In the foregoing paragraph, the Company will compensate for any damage sustained by the user. Where the Company proves that there was no intentional act or negligence on its part, however, this will not apply.

Article 5 (Suspension of Service)

① The Company may temporarily suspend the provision of services in the event of maintenance inspection, replacement, breakdown, communication failure, etc. of information and communication facilities such as computers. ② The Company will compensate the user or a third party for any damage caused by the temporary suspension of service provision due to the reasons referred to in Paragraph 1. Note, however, that this will not be the case if the Company proves that there was no intentional act or negligence on its part. ③ Where the Company is unable to provide services due to the conversion of business category, abandonment of business, or integration between companies, the Company will notify the users via the method prescribed under Article 8 above and compensate the consumers under the original conditions provided by the Company. If it fails to notify the compensation standards, etc., however, the Company will provide goods or cash equivalent to the cash value used in the Company for the user mileage or reward points.

Article 6 (Membership Subscription)

① To apply for membership, the user must enter the membership information in accordance with the subscription form set by the Company and sign to indicate that he/she agrees to these Terms and Conditions. ② The Company will register the user among the users who have applied for membership subscription pursuant to Paragraph 1 above, insofar as he/she does not fall under any of the following cases:     a. Where there is false or omitted entry or error in the registered details;     b. Where it is deemed that registration as a member will cause significant technological interruption to the Company; ③ The time the membership agreement is entered into will be the time the acceptance of the Company reaches the member. ④ The time the membership agreement is entered into will be the time the acceptance of the Company reaches the member.

Article 7 (Membership Termination, Disqualification, etc.)

① The member may request the Company to withdraw his/her membership at any time, and the Company will process the membership withdrawal immediately upon the termination of all transactions. ② Where a member falls under any of the following cases, the Company may restrict or suspend his/her membership:     a. Where false information has been registered at the time of membership application;     b. Where a member fails to make payment for goods, etc. purchased using the Company or other debts borne by the member in relation to the use of the Company by the due date;     c. Where he/she threatens the order of e-commerce by means such as obstructing the use of the Company by others or stealing such information;     d. Where he/she engages in an act prohibited by statutes or by these Terms and Conditions by using the Company or which is contrary to public order and good customs; ③ Where the membership qualification is restricted or suspended, if the same conduct is repeated twice or more or the reasons therefor are not remedied within 30 days, the Company may revoke the membership status of the member. ④ Where the membership status is revoked, the Company will cancel the membership registration. In this case, the member will be notified and given the opportunity to explain his/her conduct for at least 30 days prior to the cancellation of membership registration.

Article 8 (Notification of Members)

① Where the Company notifies a member, such notification may be sent to the email address designated in advance through an agreement with the Company. ② As for a notice to many and unspecified persons, the Company may post the notice on its bulletin board for at least one week in lieu of the individual notice. Note, however, that the Company may file individual notices in relation to matters that have a significant impact on the transaction of the member himself/herself.

Article 9 (Protection of Personal Information)

① When collecting the personal information of users, the Company will collect only the minimum amount of personal information to the extent necessary for providing services. ② The Company does not collect information necessary to perform the purchase agreement in advance when the member signs up for membership. Note, however, that this will not be the case where certain minimum personal information is collected as identity verification is required prior to entering into a purchase agreement so as to perform the duties under the relevant statutes. ③ At the time of collection and use of personal information of users, the Company will notify the relevant user of the purpose thereof to and obtain his/her consent. ④ The Company will be prohibited from using the collected personal information for any purposes other than those set forth; where a new purpose of use arises, or the personal information is to be provided to a third party, the Company will notify the corresponding user accordingly and obtain his/her consent. Note, however, that exceptions will apply if provided otherwise under the relevant statutes. ⑤ Where it is required to obtain consent under Paragraphs 3 and 4 above, the Company will be required to specify in advance or notify matters prescribed under Article 22 (2) of the “Act on the Promotion of Information and Communications Network Utilization and Information Protection, etc.” such as the identity of the privacy officer (affiliation, name, telephone number, and other contact details), purpose of collection and use of information, matters related to the provision of information to a third party (party who has been provided with information, purpose of provision, and details of the information to be provided), and the user may withdraw his/her consent at any time. ⑥ The user may, at any time, request the Company to access and correct his/her personal information retained by the Company, and the Company will be obliged to enforce the necessary measures thereto without delay. Where the user requests correction of an error, the Company will not use the personal information until the error is corrected. ⑦ In order to protect personal information, the Company will keep the number of persons allowed to process the personal information of users to the minimum, and the Company will be held fully liable for any damage sustained by users caused by loss, theft, leak, provision to a third party without consent, or falsification of personal information of users, including credit card and bank account information. ⑧ The Company or a third party provided with personal information therefrom will destroy the personal information without delay once the purpose of collection and purpose of provision of personal information are fulfilled. ⑨ The Company does not set the consent column as already agreed upon for the collection, use, and provision of personal information. In addition, the Company specifies in detail the services restricted when the user refuses to agree to the collection, use, and provision of personal information and does not restrict or refuse service provision such as membership subscription for reasons such as the user’s refusal to agree to the collection, use, and provision of optional personal information.

Article 10 (Duties of the Company)

① The Company does not engage in any conduct prohibited under these Terms and Conditions or which is contrary to public order and good customs but remains obliged to make every effort to provide goods and services in a sustainable, stable manner as set forth under these Terms and Conditions. ② The Company will be required to have a security system for protecting the personal information of users so as to ensure the safe use of Internet services by users. ③ The Company will be held liable to compensate for any damage sustained by users arising from any unjust display and advertising activities for the goods or services, corresponding to Article 3 of the “Act on Fair Labeling and Advertising.” ④ The Company does not send any unwanted advertising e-mails for profit to users.

Article 11 (Duties Regarding the ID and Passwords of Members)

① Each member will remain responsible for managing his/her member ID and password. ② The member must not allow a third party to use his/her ID and password. ③ Where a member finds that his/her ID and password has been stolen or is being used by a third party, he/she must notify the Company immediately and must follow any instructions provided by the Company.

Article 12 (Duties of the User)

The user must not engage in any of the following conducts:     a. Registering false information at the time of application of modification;     b. Stealing the information of others;     c. Modifying the information posted on the Company;     d. Sending or posting any information other than that set by the Company (computer software, etc.);     e. Infringing upon intellectual property rights, such as copyrights, of the Company or a third party;     f. Defaming or obstructing the business of the Company or a third party;     g. Disclosing or posting obscene or violent messages, videos, voices, or other information that run counter to public order and good morals;

Article 13 (Relation between the Connecting Company and the Connected Company)

① If the parent Company and the child Company are connected by hyperlinks (e.g., the targets of the hyperlinks include characters, pictures, and videos), the former is referred to as the connecting Company (website), and the latter is referred to as the connected Company (website). ② Where the connecting Company has specified on the initial screen of the connecting Company -- or the pop-up screen at the time of connection -- that it will not be held liable for surety for transactions carried out between the user and the connected Company for goods, etc. provided independently by the connected Company, said connecting Company will not be held liable for surety thereof.

Article 14 (Reversion and Restriction on the Use of Copyrights)

① Copyrights and other intellectual property rights to works created by the Company will remain reserved to the Company. ② The user will be prohibited from using the information whose intellectual property rights are reserved to the Company, among the information obtained by using the Company for profit -- or allowing a third party to use said information without prior consent from the Company by means such as duplication, transmission, publication, distribution, and broadcasting or any other means. ③ Where the Company uses any copyright reserved to the user under the Terms and Conditions, the corresponding user will be notified accordingly. ④ The ownership of the posts uploaded by users to the Company will be transferred to the Company.

Article 15 (Dispute Resolution)

① The Company establishes and operates a damage compensation handling body to reflect reasonable opinions or complaints raised by users and to compensate for such damages. ② The Company will give priority to dealing with complaints and opinions submitted by the user. If it is difficult to process said complaints or opinions promptly, however, the user will be notified of the reason therefor and the processing schedule immediately. ③ In the event that the user files a damage relief application in connection with an e-commerce dispute arising from and between the Company and the user, the parties herein may follow the mediation of the dispute mediation agency commissioned by the Fair Trade Commission or city mayor or provincial governor.

Article 16 (Jurisdiction and Governing Law)

① Any litigation arising from an e-commerce dispute between the Company and the user will be subject to the court having jurisdiction over the registered address of the user at the time of complaint filing; where there is no such registered address, the litigation will be subject to the exclusive jurisdiction of the district court having jurisdiction over the permanent residence of the user. If the address or the place of domicile of the user is not clear at the time the complaint is filed or if the user resides overseas, the lawsuit will be filed with the competent court under the Civil Procedure Act. ② Any lawsuit filed between the Company and the user will be governed and construed pursuant to the laws of the Republic of Korea.

Purpose of collection and use of personal information 1

Personal information is collected and used for the purpose of verifying identity and determining authenticity, such as account registration and handling CS complaints.

※ Matters concerning the right to refuse consent and disadvantages in case of refusal of consent : You may refuse to consent to the collection/use of personal information; in this case, you may be restricted from using the service.

Details of Personal Information Collected

• Verification:

    [Required] Name, mobile phone number, telecommunication company, duplicate subscription confirmation information (DI), email address, password

    [Optional] : Marketing/event information

• Identity verification for processing CS inquiries: A copy of your ID (only the first 6 digits of your resident registration card, driver’s license, or alien registration card), call recording for identity verification, your face taken with a selfie, and information about your face and voice received through self-video for self-verification

※ Masking (masking) information: a copy of the ID must be attached with masking (masking) of personal information other than the first 6 digits of the name, date of birth, and resident number

For other details, please refer to the Terms of Use and Privacy Policy.

Period of retention and use of personal information

The company processes personal information according to the period of retention and use of personal information and according to related laws. The period of retention and use of personal information agreed upon when collecting personal information from customers.

The company retains and uses personal information only when necessary.

Category	Purpose	Retention Period
User sign up	User management	Upon withdrawal
CS inquiries	CS inquiry check	Upon withdrawal
Deposit·Lending	Confirmation of account withdrawal, transaction history	5 years after withdrawal

1. Period of retention and use of personal information for deposit·lending services 2. Preservation according to laws and regulations and according to the provision of goods or services

Category	Item	Related Laws	Retention Period
Display advertisement records	Advertisemnt display information, such as advertisement text	Act on Consumer Protection in Electronic Commerce, Etc.	6 months
Records on contract or subscription withdrawal	Transaction history or cancellation information such as order number, user ID, order type, order time, order status, etc.		5 years
Records on the supply of goods, etc.	Payment information such as payment date and time, order history, access IP, etc.		5 years
Records of consumer complaints or dispute resolution	Complaint and dispute handling information, such as user ID, name, and phone number		3 years
Record of tax payment	Supporting materials related to the payment of prizes, such as ID cards, copy of passbook, etc.	Basic National Tax Act	5 years
Internet log records and access point tracking data	Communication confirmation data such as user ID, access IP, access date, etc.	Communication Secret Protection Act	3 months

3. ※ However, in case of accident investigation, dispute resolution, civil complaint handling, and fulfillment of statutory obligations, it is stored separately.

These Terms and Conditions shall take effect on September 9, 2021.

1. Developing new services (product) for marketing and advertising and providing customized services, providing event and advertising information and opportunities for participation, providing and advertising services according to demographic characteristics, checking the validity of services, frequency of access, or statistics on members' use of services. 2. Delio can provide various information to Delio members through service screens, phone calls, e-mail, SMS, mail, and app push. Information that is mandatory, such as receipt of mobile coupons due to events, etc., is provided regardless of receipt consent.