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Article 1 (Purpose)

The purpose of this Agreement is to prescribe rights, obligations, responsibilities, and other necessary matters between the company and its members regarding the terms and procedures of use of the Wallet Platform(wallet and cryptocurrency charging, payment) provided by Psh Group Platform(hereinafter referred to as "Company").

Article 2 (Definitions)

• 1. The term "member" means a person who has signed a service use contract with the company by approving the terms and conditions and signing up as a member.
• 2. The term "ID" means a combination of letters or numbers set by the company according to the combination of letters and numbers for the identification of members and the use of services.
• 3. The term "password" refers to a combination of letters or numbers approved by the company by a member for checking the identity of a member and protecting member information.
• 4. The term "service" refers to a cryptocurrency charging and payment service provided by the company to enable members to use the service. It refers to all related services .
• 5. The term "Psh Group Platform, MXZ" refers to cryptocurrency that can be used like cash within the service, such as charging, payment, and conversion, through cryptocurrencies (bitcoin, other cryptocurrencies) owned by members.
• 6. "wallet" refers to a cryptocurrency wallet provided to store cryptocurrency linked to a member's mobile phone number. The member uses an electronic wallet to provide an external cryptocurrency address and cryptocurrency. We can give and take.

Article 3 (Explanation and revision of the terms and conditions)

• 1. The contents of these terms and conditions are posted on the company's service membership-related site or notified to the user by other means, and the user agrees to these terms and conditions as a member. takes effect.
• 2. The company may amend these terms and conditions to the extent that it does not violate related laws such as the "Act on the Regulation of Terms and Conditions" and the "Act on Promotion of Information and Communication Network Use and Information Protection, etc."
• 3. If the company revises the terms and conditions, specify the date of application and the reason for the revision, and the date of application is 7 days on the initial screen, pop-up screen, or announcement column of the company site along with the current terms and conditions. Announcement is made from before to the day before the application date.
• 4. If a member does not express his/her intention to refuse the amendment even though the company has notified or notified the member clearly that he/she has expressed his/her intention if he/she does not express his/her intention within 7 days, the member shall agree to the amendment.
• 5. The company cannot apply the contents of the revised terms and conditions if the member expresses his/her expression of his/her expression that he/she does not agree to the application of the revised terms and conditions, and in this case, the member may terminate the contract. However, if there are special circumstances in which the existing terms and conditions cannot be applied, the company may terminate the contract.

Article 4 (Standards of Terms and Conditions)

Matters not prescribed in this Agreement and interpretation of this Agreement shall be governed by the Consumer Protection Act in e-commerce, the Regulation of Terms, etc., the Consumer Protection Guidelines in e-commerce, etc., and general correlation.

However, related laws such as the Door-to-Door Sales Act, the Framework Act on Electronic Transactions, and the Consumer Protection Act apply first to transactions made between members through services provided by the company.

Article 5 (Application for Use)

• 1. Users apply for membership by filling in their membership information according to the subscription form set by the company and expressing their consent to these terms and conditions.
• 2. Membership registration shall be made when the consent of the company reaches the member.
• 3. Contracts for use shall be concluded by member ID. Once the use contract is established, the applicant is registered as a member.
• 4. A member who falsely subscribes by stealing personal information such as another person's name or phone number cannot be legally protected, and all civil and criminal responsibilities must be borne by the member who subscribes.
• 5. Users under the age of 19 and those whose carrier country code is not South Korea will be restricted from signing up as members and will be restricted from using all services provided by Psh Group Platform.
• 6. In the application under paragraph (1), the company may, if necessary, request real-name verification and identity verification through a specialized institution according to the type of user in accordance with the relevant laws and regulations. The company is not responsible for any disadvantages caused by the refusal of such a company's request to provide and not being identified as the user himself.

Article 6 (Application for Use)

• 1. Apply online by recording the requirements of the company's prescribed subscription application form.
• 2. All membership information on the online subscription application form is considered to be actual data, and users who do not enter their real names or actual information cannot receive legal protection and may be restricted from using the service.
• 3. If information that is different from the facts or false information is entered or found to be such information later, the company may suspend the use of the service or terminate the contract for permanent suspension or use. The member is responsible for all damages caused to the company or a third party.
• 4. The company can provide members with various and useful information about the company's related services through e-mail, letter mail, and phone calls.

Article 7 (Consent to the use of member information and acceptance of application for use)

1. Consent to the use of member information

• ① The company uses the members' personal information for the purpose of performing this use contract and providing services under this use contract.
• ② Membership information can be provided to companies affiliated with the company to make it easier for members to use the company and the services affiliated with the membership information can be provided to companies affiliated with the company. However, before providing member information, the company must announce in advance the affiliates, the purpose of providing it, the contents of the member information to be provided, and obtain the member's consent.
• ③ Members can view and modify personal information at any time by modifying member information, and whether to refuse to receive it.
• ④ A member's entry of member information in the application form and application for use in accordance with these terms and conditions is deemed to be the company's consent to collect, use, and provide the member information in the application form in accordance with these terms and conditions.

2. Acceptance of application for use

• ① The company can accept membership if a member applies for use by accurately filling out all the requirements in the company's prescribed application form. However, in the case of subparagraphs 2 and 3, the company may withhold or refuse consent.
• ② The company may withhold its consent to the application for use against any of the following subparagraphs.
  A) If there is not enough room in the facility
  B) In case of technical difficulties
  C) Where it is difficult to approve the use due to the circumstances of other companies.
• ③ The company may refuse to accept applications for use falling under any of the following subparagraphs.
  A) If your name is not your real name
  B) Where an application is made using the name of another person
  C) Where an application is made by falsely stating the necessary information when applying for use
  D) Where an application is filed for the purpose of hindering the well-being and order of society or the customs and customs
  E) When there is an insufficient part of the requirements for application for use set by the company

Article 8 (Notice to Members)

1. Procedure for applying for termination of the contract of use

① (Application for Termination)

If a member intends to terminate a service use contract, he/she must apply for termination to the company on the site or by a separate use method determined by the company.

• (A) If a member fails to fulfill his/her obligations under Article 10, the company shall notify the member or agent in advance by setting a reason, date, and period as in the procedure of Article 8 (2) 1.
• (B) The company may restrict the use of the service according to the members' qualifications even after a member has signed a contract for use and is given an ID and password.
• (C) The company may notify members who have not used the service for six months after signing up, and terminate the contract if there is no answer within the time limit set by the company.
• (D) Members may file objections to the company's actions under paragraphs (a) and (b) of this Article in accordance with the procedures set by the company.
• (E) If the Company acknowledges that the objection under subsection (D) of this section is justified, the Company shall immediately resume use of the Services.

② (Application Procedures)

• (A) Where the company intends to restrict the use, the reason, date, and period shall be determined and the relevant member or agent shall use a written or telephone message or a message function on the website. Notify you.
• (B) However, if the company deems it necessary to stop using the service urgently, the use of the service may be restricted without the process set forth in the preceding paragraph.
• (C) A member or his/her agent who has been notified of the suspension of the service may file an objection if he/she has any objection to the suspension of the service.
• (D) The company will immediately lift the suspension of use only if it is confirmed that the reason for suspension has been resolved during the suspension period.

③ (Termination of a Contract for Use)

• (A) If the same act is repeated more than twice after the company stops or restricts the use of the service, the reason is not corrected within 30 days, or if there is a violation of 1. ((a), the company may terminate the contract.
• (B) If the company terminates the use contract, the membership registration will be canceled. In this case, the company notifies the members and gives them the opportunity to explain before canceling their membership registration.

Procedures for suspension or restriction of service use

• ① Where the company intends to restrict the use, the reason, date, time, and period shall be determined to the relevant member or agent by means of written, telephone, or message function on the website. Notify you.
• ② However, if the company deems it necessary to stop using the service urgently, the use of the service may be restricted without the process set forth in the preceding paragraph.
• ③ A member or his/her agent who has been notified of the suspension of use of the service may file an objection if he/she has an objection to the suspension of use.
• ④ The company will immediately lift the suspension of use only if it is confirmed that the reason for suspension has been resolved during the suspension period.

Termination of the contract for use

• ① If the same act is repeated more than twice after the company stops or restricts the use of the service, the reason is not corrected within 30 days, or if there is a violation of 1.위반(a), the company may terminate the use contract.
• ② If the company terminates the use contract, the membership registration will be canceled. In this case, the company notifies the members and gives them the opportunity to explain before canceling their membership registration.

Article 9 (Change of Member Information)

• 1. Members can view and modify their personal information at any time through the personal information correction screen. However, the real name, date of birth, gender, and ID necessary for service management cannot be modified.
• 2. If the matters listed when applying for membership are changed, the members must make corrections online or notify the company of the changes by e-mail or other means.
• 3. The company is not responsible for any disadvantages caused by not informing the company of the changes in paragraph 2.

Article 10 (Members' obligation to manage member IDs and passwords)

• 1. The member is responsible for all management of the ID and password. The member is responsible for the negligence of the management of the ID and password assigned to the member, and for all the consequences caused by fraudulent use. However, this is not the case with consequences arising from the intention or negligence of the company.
• 2. If a member finds out that his/her ID has been used illegally, he/she must notify the company and follow the company's instructions.
• 3. In the case of paragraph (2), the company shall not be responsible for any disadvantages caused by not notifying the company or not following the company's instructions even if the member does not notify the company.
• 4. The company will do its best to establish an infringement response process and provide related infrastructure to prevent leakage of members' personal information.

Article 11 (Provision of Information)

The company can provide the following service information to members by e-mail or letter mail, and if members do not want to, they can refuse to receive information from the subscription application menu and member information correction menu.

• 1. Cryptocurrency transaction-related services
• 2. Services related to events and events, etc.
• 3. Other services determined by the company from time to time and provided to the members.

Article 12 (Types of Services)

• 1. Services provided by the company include cryptocurrency transaction (sales-related, purchase-related, transaction API provision, market information search-related services), content services (gift card mall, prepaid card), etc. I have it.
• 2. The types of services provided by the company may be changed from time to time due to the company's circumstances, and copyright and intellectual property rights for the services provided shall be vested in the "Company".
• 3. Regarding services, the company only grants members the right to use accounts, IDs, services, points, etc. according to the terms of use set by the company, and members cannot provide similar services or conduct commercial activities using them.

Article 13 (Announcement and Change of Service Contents)

The company announces the characteristics, procedures, and methods of each service through the service screen according to the type of service, and members must understand the matters related to each service announced by the company and use the service.

• ① The company may notify the member of any change or termination of the service by email to the member's registered e-mail address if the service is changed or terminated.
• ② In the case of the preceding paragraph, when notifying an unspecified number of people, members may be notified through the website or other company's notice page. However, matters that have a significant impact on the member's own transaction will be announced through the bulletin board for a considerable period of time and individually notified to the e-mail address given by the company.
• ③ When the paid service is terminated, the members who use the service shall be notified by e-mail in accordance with the provisions of paragraph (1) and refunded in accordance with the regulations.

Article 14 (Maintenance and Suspension of Services)

In principle, the use of the service shall be 24 hours a day, 7 days a year, unless there is a special obstacle to the company's business or technology. However, this is not the case on the day or time set by the company due to the need for regular inspections. The company can divide the service into a certain range and set the available time for each range separately. In this case, the contents are announced in advance.

The Company may cease to provide the Services in any of the following cases.

• ① Where it is unavoidable due to construction work, such as maintenance of service facilities
• ② Where a key telecommunications service provider prescribed in the Telecommunications Business Act suspends telecommunications services
• ③ In the case of a service provided using a third party of an affiliate, etc., other than a service directly provided by the company, where a third party of an affiliate, etc., stops the service
• ④ If there are other force majeure reasons
  The company may restrict or suspend all or part of the service in the event of a national emergency, power outage, service facility failure, or service use congestion. The Company may discontinue services provided in the event of replacement with new services or other reasons for the Company's inability to provide services.

Article 15 (Restriction on the use of payment by members)

The company may restrict the use of payment by members in any of the following cases

• ① Seller and Buyer are considered the same person
• ② When requested by payment service provider and issuer
  In the above case, the company notifies the members of the information through messages on the website. If the reason for suspension is duplicated, it can be canceled only if all the suspension cancellation conditions are met. The conditions and details of the restrictions within the scope of this Article shall be determined by the company in the operation policy, usage information, etc. If the use of the service is restricted or the contract for use is terminated pursuant to this section, the company shall notify the member in the manner specified in the terms and conditions. Members may file an objection to the restrictions on use under this section in accordance with the procedures set by the company. If the Company acknowledges that the objection is justified, the Company will immediately resume use of the Service.

Here's how to notify members.

• ① Where a company notifies a member, it may use the e-mail address provided by the member, etc. unless otherwise provided in these terms and conditions.
• ② If the company notifies the entire member, it may replace the notice set forth in the preceding paragraph by posting it on the bulletin board in the service for at least 7 days.

Article 16 (Restriction on the use of deposits and withdrawals of members)

In any of the following cases, the company may restrict or delay the use of deposits and withdrawals of members.

• ① Where it is difficult to verify the real name because the name of the member and the depositor are deposited differently
• ② Where the first withdrawal amount after membership exceeds the first withdrawal limit set by the company
• ③ In the event of exceeding the scope of the right to use the service set by the company
• ④ Where it is necessary to restrict or delay the use of deposits and withdrawals due to the operation policy of other companies
• ⑤ Where the company intends to restrict the use, the reason, date, time, and period shall be determined to the relevant member or agent by means of written, telephone, or message function on the website. We need to notify you.

• A) Where the "company" needs to notify the "members" in advance as necessary for the provision of stable services, such as maintenance and inspection of facilities
• B) Where a key telecommunications service provider needs to stop providing telecommunications services
• C) Where it is objectively impossible to provide services due to other force majeure reasons In the above cases, the company notifies members of the information through messages on the website, e-mail, letter mail, SMS, etc.
  In the event of overlapping reasons for restrictions and delays, cancellation can be performed only if the release conditions required by the manager or operator are met.
  The method of notification of members shall apply in the same manner as in Article 15, Paragraph 7.

Article 17 (Cryptocurrency sales registration/purchase registration, etc.)

Members who wish to sell or purchase cryptocurrency through the services provided by the company must register the transaction according to the registration form provided by the company.

Use of Additional Services

• ① Members who wish to sell cryptocurrency can apply for additional services provided by the company for more effective sales at the time of transaction registration. The details of additional services are determined separately by the company.
• ② All services provided by the company to members in connection with the sale/purchase of cryptocurrency are given only the right to use each member to enhance the convenience of each member, and all similar services beyond the scope of the right to use the service are prohibited.

Modification of Cryptocurrency Registration Information

• ① Modifications such as adding registered cryptocurrency information cannot be changed after the transaction proceeds.
• ② You cannot cancel the additional service you applied for when registering cryptocurrency, and you can only add it.
• ③ Deletion is not possible if the buyer is selected.

non-commission income

Interest income earned by the company in the process of using the company's services has the nature of a consideration for the company to provide services for cryptocurrency payments, and members cannot claim a return.

Article 18 (Restriction on the use of transaction services)

The company may restrict members from using the service according to the following criteria. In this case, the company may notify the reason, date, and period by e-mail, SMS, etc. according to the information entered by the member, and the member may file an objection to the company's restriction on service use for 7 days from the date of notification.

Classification Stop Reason Release Condition Stop Effect

Service restriction (non-login service not available) Name (contact) Resolution of unidentified reason for suspension or suspension of any transaction other than administrator's decision login, suspension of deposit and withdrawal of Psh Group Platform

Hacking/fraud incidents

Person involved in an accident (or a person with reasonable grounds to suspect that he/she is involved)

Payment security continuous error

Application for withdrawal

When used for criminal acts

Where an act of manipulating the market price, etc. or disturbing the order of the market, etc. is performed to obtain unfair profits

Other administrators believe that normal service delivery is severely disrupted

Login restriction password Resolution of reason for continuous error suspension or administrator judgment Unable to login

Hacking/fraud incidents

In case of suspected name theft

When requested by the court or government agency

When other administrators determine that there are circumstances to restrict login
(For example, if a member's purchase, sale, or relay is detected as a suspicious transaction, the manager notifies the member in advance of the suspension or suspension of the problem through the company's notification method.)

Resolving reasons for suspension or restricting the use of services designated by the manager's judgment if there are circumstances to stop using certain services, such as deposit/withdrawal/sales, according to the judgment of the manager.

Article 19 (Contents of service fees related to cryptocurrency transactions)

• 1. The company charges the buyer/seller a fee for providing services over the Internet. Fees are specified in the company's website usage and are subject to change depending on the situation of the company and the market.
• 2. The Company may discontinue services provided in the event of replacement with new services or other reasons for the Company's inability to provide services.

Article 20 (Use of gift certificates as services)

The company sells paid products such as online and offline gift certificates, prepaid cards, mobile gift certificates, and tributary gift certificates to members using pin numbers, and handles the following items.

• ① online/offline gift certificates
• ② Mobile services (charge plans, text coupons, etc.)
• ③ Digital content (webhard, music, movies, cartoons, etc.)
• ④ Other Company-Determined Items
  

  The company receives pin numbers or tributary gift certificates for each product from its affiliates and provides them to the members who purchased the product.

  Members can handle all inquiries and problems regarding the use of gift certificate mall services through affiliates handling each product. However, you can contact the company for any abnormal pin number.

  Members can purchase gift certificates, prepaid cards, and related products for mobile services using the Psh Group Platform or cryptocurrency.

  In the case of cryptocurrency payments, the amount of cryptocurrency is determined by the market price at the time of payment.

  When paying for cryptocurrency, the cryptocurrency is sold to the company exchange at the market price and paid through the Psh Group Platform, so there may be a slight difference in the amount of cryptocurrency paid depending on the market price of cryptocurrency.

  In the case of tributary gift certificates, the delivery period may vary depending on the situation of the delivery company.

  In principle, members cannot refund or cancel the use of gift certificate mall service.

Article 21 (Consent on the use of member information)

• The company's privacy policy applies to members' personal information. A member's entry of member information in the application form and application for use in accordance with these terms and conditions is deemed to be the company's consent to collect, use, and provide the member information in the application form in accordance with these terms and conditions. The manager of member information is the operator determined by the company.
• In order to make it useful and convenient for members to use the Company and its affiliated services, the Company may use its membership information or provide it to its affiliated companies in accordance with the procedures set forth in this Agreement. However, the company shall disclose or distribute the member's information to third parties only when it has prior notice of affiliates, purposes, and member information to be provided, except at the request of state agencies, laws, and regulations, such as the Framework Act on Telecommunications, etc. However, the restrictions in this section do not apply if the transaction is normally concluded and the mutual information related to the transaction is exchanged between the parties.
• If the personal information stated when the applicant or member applies for use is changed, the relevant matters shall be immediately revised through the operator or member information change window. However, the member ID, name, date of birth, gender, etc. cannot be changed due to credit management.
• In the case of the preceding paragraph, various damages caused by unmodified information shall be borne by the relevant member, and the company shall not be liable for this.
• If a member is dissatisfied with the handling of the company's personal information, he/she shall submit the relevant information to the company in writing, and in this case, the company shall handle the member's complaint in due course.
• The termination of a member's use contract shall be in accordance with Article 8, and if the use contract is terminated, the member's personal information shall be kept and deleted after that.
• Even if the company is obligated to destroy personal information, if it is necessary to preserve it in accordance with the provisions of related laws such as the Commercial Act, the company shall keep the member's personal information for a period prescribed by the relevant laws and regulations. However, the last digit of the collected resident registration number shall be kept after masking.
• If it is necessary to collect or transmit personal information for the use of a particular service, the company must notify the members in advance and seek their consent.
• Personal information provided by a member shall not be provided for use other than the purpose without the consent of the member. Exceptions are made in the following cases.

• ① In the case of providing personal information to a payment agency for payment of cryptocurrency and requesting fees
• ② If it is provided to an investigative agency, etc. as legal evidence (it can be provided according to legal procedures.) The Company may provide the members' personal information to third parties to the extent permitted by law in the following cases. (See Appendix 2)
  

  ① Where information is requested to be provided by an investigative agency or other government agency

  ② Where it is necessary for information protection services, such as confirmation of misconduct, including violation of the member's statutes or terms and conditions

  ③ Where required by other legislation

Article 22 (Compensation for Damages)

The Company shall not be liable for any accidents caused by transactions outside the rules of sale stipulated in these Terms and Conditions and shall not be liable for disputes arising from the negligence of the Seller or Buyer. Damage caused by the company's affiliates shall be in accordance with the terms and conditions of the affiliated company and shall be settled in principle between the affiliated company and the members.

Article 23 (Exemption Clause)

• 1. To the extent permitted by law, the Company makes no arrangements or warranties for any specific matters not specified in these Terms and Conditions in connection with the Services. In addition, the Company does not guarantee the value of any form of goods or cryptocurrencies issued or not guaranteed payment by the Company. In addition, the company does not guarantee the reliability, accuracy, etc. of information, materials, facts, etc. posted on the service by means of the membership, not by the company's own writing, and the company shall not be liable for any damage to the members.
• 2. The company may be exempted from force majeure such as wartime, accident, flood, earthquake, and other similar national emergencies and natural disasters, but if the company's intention or negligence is identified in accordance with these terms and regulations, it shall compensate for damages equivalent to intentional or negligence.
• 3. If the information provided by the member to the company is not true, the company may stop providing the service and terminate the whole or part of the contract under these terms at any time, and in the event of damage to the company, claim compensation for damages.
• 4. In principle, if a member claims compensation for damages under this section, the company shall pay money to the cryptocurrency or Psh Group Platform in the electronic wallet that the member finally confirms to have regardless of the member's intention. However, if there is a 'consensus of intent' with the member, the member can be compensated for damages by paying in the Psh Group Platform or cryptocurrency.
• 5. In the event of damage to the company due to illegal activities of the member, the company may exercise the right to claim damages against the member by law. Therefore, please make sure to comply with the law and use the company's.
• 6. The company shall not be liable for the contents of the data posted or transmitted by the user unless there is intentional or gross negligence.
• 7. In the event of a defect in the delivery of cryptocurrency due to a poor service of a cryptocurrency issuance management system or telecommunications service provider or due to regular server inspection time, the company shall not be liable unless there is intentional or negligence.
• 8. The company fulfills its duty of care as a good manager to provide smooth service to customers.
• 9. The company is responsible for any reasons attributable to the operation of the transaction when providing cryptocurrency handling services.

Article 24 (Denial of agency and guarantee)

• 1. The Company does not have the authority to act on behalf of any Member who intends to sell or purchase cryptocurrency, and any act of the Company shall not be considered an act of representation by the Seller or Buyer.
• 2. The Company does not guarantee the fact, authenticity, or legality of the intention to sell or purchase in relation to the sale and purchase between members through the services provided by the Company.
• 3. If the parent "company" and the child "company" are hyperlinked (e.g., the target of the hyperlink includes letters, pictures, and fairy tales), the former is called the linked "company" (website) and the latter is called the connected "company" (website).
• 4. The consolidated "company" shall not be liable for guarantee of transactions with users through goods, etc. provided by the consolidated "company" independently, unless there is intentional or negligence of the company.

Article 25 (Court of Jurisdiction and the Applicable Act)

• 1.A lawsuit filed between "company" and "member" shall be governed by the laws of the Republic of Korea.
• 2. A lawsuit concerning a dispute between the "company" and the "member" shall be subject to the address of the "member" at the time of filing, and if there is no address, the district court having jurisdiction over the residence shall have exclusive jurisdiction. However, if the address or residence of the "member" is not clear at the time of filing the complaint, the competent court shall be determined in accordance with the Civil Procedure Act.
• 3. In the case of a "member" who has an address or residence abroad, the Seoul Central District Court of the Republic of Korea shall be the competent court notwithstanding the preceding paragraph.

Supplementary Provisions 1.

These terms and conditions will apply from November 12, 2018.

Supplementary Provisions 2. Provision of Personal Information to Third Parties

The company uses members' personal information within the scope notified for the purpose of collecting and using personal information, and does not use it beyond the scope without the member's prior consent or provide the member's personal information to a third party in principle. However, exceptions are made in the following cases.

• ① Members have agreed to disclose in advance or provide it to a third party
• ② Where there is a request from the investigative agency and the supervisory authority in accordance with the procedures and methods prescribed by the Act for the purpose of investigation and investigation, although it is in accordance with the provisions of the Act
• ③ In providing services to its members, the Company may provide relevant information to the transaction bank to the extent necessary to comply with its anti-money laundering obligations.
• ④ Personal information items provided to the bank: Real name, date of birth, account number, transaction information, and other personal information may be provided to the third party with the consent of the member through reasonable procedures.

0. General Provisions

• Psh Group Platform Co., Ltd. (hereinafter referred to as a company) shall comply with the Information and Communication Network Utilization Promotion and Information Protection Act, Personal Information Protection Act, Communication Password Act, Telecommunication Business Act, etc. We comply with the personal information protection regulations under related laws and regulations, and we are doing our best to protect user rights and interests by setting a personal information handling policy under related laws and regulations.

1. Items and collection methods of personal information to be collected

(1) Items of personal information you collect

The company collects the following personal information for membership registration, smooth customer consultation, and provision of various services. When collecting users' personal information, we will make sure to inform them and ask for their consent.

• Mobile phone identification: Name, mobile phone number, and registered carrier
  Additional authentication: ID card (masked unique identification number), passport (if foreigners)
• Terminal information: Terminal model, mobile phone number, mobile carrier information, device ID, IP address, service usage history, user status information, cookies

(2) How to collect personal information

The company collects personal information in the following ways.

• - Collect automatically when running or using the service or through voluntary provision by the user
• - During the consultation process at the customer center, personal information may be collected by mail, fax, telephone, written form, etc. to resolve the user's request according to the operation policy.
• - Personal information may be collected from subcontractors.
• - Generative information, such as instrument information, can be automatically generated and collected.

2. Purpose of using personal information

The company uses the collected personal information for the following purposes.

• (1) Performance of contracts for service provision, the provision of various services by the company, and the provision of contents according to the provision of services
• (2) Member management
  Providing membership services, personal identification, prevention of unauthorized use and non-authorization of defective members (members who have been restricted or contracted due to violation of s-world platform terms, confirmation of intention to join, limit the number of subscriptions, confirmation of legal representatives, keep records for dispute settlement, etc.
• (3) Development and marketing of new services and utilization of advertising
  Development of new services and provision of customized services, service provision and advertising based on statistical characteristics, validation of services, provision of event and advertising information and participation opportunities, identification of access frequency, statistics on members' use of services

3. Sharing and providing personal information

The company shall use users' personal information within the scope notified for the purpose of collecting and using personal information, and shall use it beyond the same scope without the prior consent of the user. In principle, the user's personal information is not disclosed to the outside world. However, this may be an exception to the following.

• - If users agree in advance
• - Where there is a request from an investigative agency in accordance with the provisions of laws and regulations, or in accordance with the procedures and methods prescribed by laws and regulations for the purpose of investigation

4. Retention and use period of personal information

In principle, the user's personal information is destroyed without delay when the purpose of collecting and using personal information is achieved. However, in order to prepare for unwanted withdrawal of members due to personal information theft, the company retains personal information for 7 days after requesting withdrawal of members. In addition, the following information shall be retained for the period specified for the following reasons and shall never be used for any other purpose.

• (1) Reasons for retention of information according to company internal policy
  A. Records of fraudulent use
  - Preservation Reason: Prevention of Unauthorized Use
  - Preservation period: 1 year
  B. Personal identification records
  - Preservation reason : Customer consultation response and use of other services
  - Preservation period : 1 year from the date of self-certification
  C. Personal information preserved when withdrawing from a member
  Reasons for preservation : Response to customer inquiries related to withdrawal, prevention of re-registration of defective users, defamation, etc., dispute over rights infringement and cooperation in investigation.
  Preservation period : 1 year after withdrawal from membership
  
• (2) Reasons for retention of information under relevant laws and regulations
  Where it is necessary to preserve it in accordance with the provisions of relevant statutes, such as the Commercial Act, the Consumer Protection Act in e-commerce, etc., the company shall provide member information for a certain period prescribed by the relevant statutes. Keep it.
  In this case, the company will use the information it keeps only for the purpose of storage, and the retention period is as follows.
  A. Records of website visits
  - Reason for Preservation: Communications Secret Protection Act
  - Preservation period: 3 months
  B. Records concerning the handling of consumer complaints or disputes
  - Reasons for Preservation: Consumer Protection in Electronic Commerce, etc. Act
  - Preservation period: 5 years
  C. Records of contract or withdrawal of subscription, etc.
  - Reasons for Preservation: Consumer Protection in Electronic Commerce, etc. Act
  - Preservation period: 5 years
  D. Records of payment and supply of goods, etc.
  - Reasons for Preservation: Consumer Protection in Electronic Commerce, etc. Act
  - Preservation period: 5 years
  

5. Procedures and methods for destroying personal information

In principle, the user's personal information is destroyed without delay when the purpose of collecting and using personal information is achieved. The procedures and methods for destroying the company's personal information are as follows.

• A. Procedure for destruction
  Information entered by the user for membership registration is transferred to a separate DB after the purpose is achieved (separate document box for paper) and stored for a certain period of time (refer to retention and usage period) according to internal policies and other relevant laws. This personal information is not used for any purpose other than being retained unless it is under law.
• B. Method of destruction method
  - Personal information printed on paper is crushed by a grinder or destroyed through incineration.
  - Personal information stored in the form of electronic files is deleted using a technical method that does not allow records to be played back.

6. Rights of users and legal representatives and how to exercise them

• Users and legal representatives may inquire or modify the personal information of themselves or those under the age of 18 at any time, and if they do not agree to the processing of the company's personal information, they may refuse to consent or request cancellation (withdrawal of membership).
• Users or those under the age of 18 can view, correct, or withdraw from the membership by clicking "Change personal information" (or "Modify member information") or "Revoke membership" (withdrawal of consent).
• Or contact the person in charge of personal information management in writing, by phone, or by e-mail, and we will take action without delay. If a user requests correction of an error in personal information, the personal information shall not be used or provided until the correction is completed. In addition, if the wrong personal information has already been provided to a third party, we will notify the third party of the correction processing result without delay to correct it.
• The company processes personal information terminated or deleted at the request of a user or legal representative as specified in the period of possession and use of personal information and prevents access or use for other purposes.

7. Installation/operation of an automatic personal information collection device

• ① In accordance with the relevant laws and regulations, the company separately stores the personal information of dormant members in a separate storage device that is inaccessible.
  1) Dormant members: Members who have not logged in to the service for more than one year.
  2) A separate identity verification process may be required for dormant members to reuse the service, and it is used only for member verification purposes, and the information used is not collected.
  

8. Technical and administrative protection measures for personal information

The company is taking the following technical and administrative measures to ensure the safety of personal information in handling users' personal information so that it is not lost, stolen, leaked, tampered with, or damaged.

• A. Password encryption
  The password of the Psh Group Platform member ID (ID) is encrypted, stored and managed, so only the person knows it, and the person who knows the password can check and change the personal information.
• B. Countermeasures against hacking, etc.
  The company is doing its best to prevent the leakage or damage of members' personal information due to hacking or computer viruses. We back up data from time to time in preparation for personal information damage, use the latest vaccine program to prevent leakage or damage of users' personal information, and safely transmit personal information on the network through encrypted communication. And we're using intrusion prevention systems to control unauthorized access from the outside, and we're trying to have all the other possible technical devices to ensure systematic security.
• C. Minimization and training of handling staff
  The company's personal information handling staff is limited to the person in charge and updated regularly with a separate password. We always emphasize compliance with the Psh Group Platform privacy policy through occasional training for the person in charge.
• D. Operation of an organization dedicated to personal information protection
  In addition, we are trying to check the implementation of the Psh Group Platform personal information handling policy and the compliance of the person in charge through the in-house personal information protection organization so that if a problem is found, it can be corrected and corrected immediately. However, the company is not responsible for any problems caused by the leakage of personal information such as IDs, passwords, and resident registration numbers due to the user's own carelessness or Internet problems.

9. Contact information of the person in charge and the person in charge of personal information management

The company designates the person in charge and the person in charge of personal information management in charge of collecting opinions on personal information and handling complaints, and the contact information is as follows.

• the person in charge of personal information
  Name: CEO
  Position: CEO
  Mail : master@mndcorp.co.kr
  You can report all personal information protection complaints that occur while using the company's services to the person in charge of personal information management or the department in charge. The company will quickly and fully respond to users' reports.
  If you need to report or consult other personal information infringement, please contact the institution below.
  

10. Other

We inform you that this Psh Group Platform privacy policy does not apply to websites linked to the Psh Group Platformthat collect personal information.

11. Obligation to notify

If the contents of the current personal information handling policy are added, deleted, or modified, it will be notified through "notice" at least 7 days before the revision. However, if there is an important change in user rights, such as the collection and utilization of personal information or the provision of third parties, it shall be notified at least 30 days in advance.

• • Announcement Date: November 12, 2018
• • Enforcement date: November 12, 2018