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Article 1 (Purpose)

The purpose of these Terms of Service is to define the rights, obligations, and responsibilities of users in using the one-on-one online English education service (hereinafter 'Service') provided on the website (www.talktime.co.kr, hereinafter 'TalkTime') by the service name TalkTime (hereinafter 'Company'), operated by TalkTime Co., Ltd.

Article 2 (Definitions)

① User: A user refers to a member or non-member who accesses the website and receives the services provided by the Company in accordance with these Terms of Service.
② Member: A member refers to a person who has provided personal information to the Company to register as a member, and who is capable of continuously receiving the Company's services and using the services provided by the Company.
③ Non-member: A non-member refers to a person who uses the services provided by the Company without registering as a member.
④ Course Registration: Course registration means that a member applies for the use of the online paid services provided by the Company in accordance with separate standards and procedures set by the Company.
⑤ Tuition Fee: This refers to the amount charged on a specific period basis according to a separate fee structure set by the Company in exchange for taking classes with a native English-speaking teacher provided by the Company.
⑥ Course Approval: This means that after a member applies for a course and the Company verifies the tuition fee stipulated by the Company, the Company approves the member to take one-on-one online video education.

Article 3 (Specification and Amendment of Terms)

① The Company shall post the contents of these Terms of Service, the trade name, business office address, name of the representative, business registration number, and contact information (telephone, fax, e-mail address, etc.) on the Company's website so that users can easily access them.
② The Company may amend these Terms of Service to the extent that it does not violate relevant laws such as the Act on the Regulation of Terms and Conditions, the Framework Act on Electronic Commerce, the Electronic Signature Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Door-to-Door Sales Act, and the Consumer Protection Act.
③ When the Company amends these Terms of Service, it shall specify the effective date and the reason for the amendment and announce them on the initial screen of the Company's website along with the current terms from 7 days prior to the effective date until the day before the effective date.
④ When the Company amends these Terms of Service, the amended terms shall apply only to contracts concluded after the effective date, and the terms before the amendment shall apply to contracts already concluded before that date. However, if a user who has already concluded a contract sends a request to the Company within the notice period of the amended terms as per Paragraph 3 to be subject to the amended terms and receives the Company's consent, the amended terms shall apply.
⑤ A "Member" may express their refusal to the amended terms within 15 days after the amended terms are announced, and if the "Member" expresses refusal, the Company may terminate the contract with the "Member." If the "Member" does not express refusal within 15 days after the amended terms are announced, it shall be deemed that the member agrees to the amended terms.
⑥ Matters not stipulated in these Terms of Service and the interpretation of these Terms of Service shall be governed by the Electronic Commerce Consumer Protection Guidelines established by the government, relevant laws, or commercial practices.

Article 4 (Provision and Change of Service)

① The Company performs the following tasks:
- Provision of one-on-one video English education service between members and native teachers.
- Remote support service to resolve computer errors and bugs during class (excluding the purchase of major computer hardware components and software, etc.).
- Other tasks determined by the Company.
② The Company may change the content of the service to be provided under future contracts in the event of changes in the service provided by the Company or technical specifications. In this case, the Company shall specify the changed service content and the provision date and announce them at the place where the current goods and services are posted 7 days prior to the provision date.
③ If the Company changes the content of the service for which a contract has been concluded with the user due to internal reasons, the Company shall compensate for the damages suffered by the user. However, this shall not apply if the Company has no intent or negligence.

Article 5 (Suspension of Service)

① The Company may temporarily suspend the provision of services in the event of maintenance, inspection, replacement, or breakdown of information and communication equipment such as computers, or interruption of communication.
② In the case of service suspension pursuant to Paragraph 1, the Company shall notify the user in the manner prescribed in Article 8.
③ The Company shall compensate for damages suffered by the user or a third party due to the temporary suspension of service provision for the reasons stated in Paragraph 1. However, this shall not apply if the Company has no intent or negligence.

Article 6 (Membership Registration)

① A user applies for membership by filling in member information according to the registration form set by the Company after expressing their consent to these Terms of Service.
② The Company shall register as a member any user who applies for membership as described in Paragraph 1, unless they fall under any of the following:
- If the applicant has previously lost membership status pursuant to Article 7, Paragraph 3 of these Terms of Service, except in cases where 3 years have passed since the loss of membership status under Article 7, Paragraph 3, and the person has obtained the Company's approval for re-registration.
- If there are false entries, omissions, or errors in the registration details.
- If it is judged that registering as a member would cause significant technical difficulties for the Company.
③ The time of establishment of the membership contract shall be the time when the Company's approval reaches the member.
④ If there is a change in the registration details pursuant to Article 15, Paragraph 1, the member must immediately notify the Company of the change via e-mail or other methods.

Article 7 (Withdrawal of Membership and Loss of Qualification, etc.)

① A member may request withdrawal from the Company at any time, and the Company will process the withdrawal within 48 hours.
② If a member falls under any of the following reasons, the Company may restrict or suspend membership:
- If false information is registered at the time of application.
- If the member fails to pay the price for goods or services purchased using the Company, or other debts borne by the member in relation to the use of the Company, by the due date.
- If the member threatens the order of electronic commerce, such as interfering with others' use or stealing their information.
- If the member uses the Company to perform acts prohibited by law or these Terms of Service, or acts contrary to public order and morals.
③ After the Company restricts or suspends membership, if the same act is repeated twice or more, or if the reason is not corrected within 30 days, the Company may terminate the membership.
④ When the Company terminates membership, it shall cancel the member registration. In this case, the Company shall notify the member and provide an opportunity for explanation before canceling the registration.

Article 8 (Notification to Members)

① When the Company notifies a member, it may do so via the e-mail address submitted by the member to the Company.
② In the case of notification to an unspecified number of members, the Company may substitute individual notification by posting it on the Company's bulletin board for at least one week.

Article 9 (Course Registration)

① A member may apply for online paid/free lectures by filling out and submitting the course registration form designated by the Company.
② The Company shall approve the course registration unless it falls under any of the following:
- If there are false entries, omissions, or errors in the application.
- If it is judged that approving the course registration would cause significant technical difficulties for the Company.

Article 10 (Payment of Tuition Fees)

① A member must pay the designated tuition fee to take the online video English classes provided by the Company.
② The tuition fee shall be based on the fee structure designated by the Company and the price announced by the Company.
③ The payment method for tuition fees may be one of the following:
- Credit card payment
- Account transfer
- Bank deposit (no bankbook)

Article 11 (Notification of Receipt Confirmation, Change and Cancellation of Course Registration)

① The Company shall notify the member of receipt confirmation when the member applies for a course.
② A member who receives a receipt confirmation notice may request a change or cancellation of the course registration immediately after receiving the notice if there is a discrepancy in the expression of intent.
③ If there is a request for change or cancellation of course registration by the member before course approval, the Company shall process it according to the request without delay.

Article 12 (Course Approval)

① The Company shall approve the course for the classes for which the tuition fee has been paid as soon as the deposit of the designated tuition fee from the member is confirmed.
② If the member pays the tuition fee by credit card or online account transfer, the Company shall immediately approve the course for the classes for which the tuition fee has been paid upon completion of payment.
③ If the member pays the tuition fee by bank deposit, the Company shall immediately approve the course for the classes for which the tuition fee has been paid upon confirmation of the tuition fee deposit.
④ When approval for the member's course registration is granted, the Company shall notify the member.
⑤ Classes can be started by the assigned native teacher for whom the course has been approved, and no separate course period is provided after the designated course period ends.

Article 13 (Course Cancellation and Refund)

① If a member cancels a class due to unavoidable circumstances, the Company shall cancel the course and refund the tuition fee according to the Company's course cancellation and refund policy.
② The Company's course cancellation and refund policy is as follows:
20 classes are provided per month, and upon a refund request, the refund will be processed by calculating the remaining number of classes regardless of the timing of the request (however, in the case of credit card payment, card fees are excluded).
③ Once the member's course cancellation and refund application is received by the Company, the member cannot take the corresponding classes until the refund is completed.
④ The Company shall notify the member when the refund is completed following the member's course cancellation and refund application.

Article 14 (Personal Information Protection)

① In accordance with the Act on Promotion of Information and Communications Network Utilization and Information Protection, "Personal Information Protection" is replaced by the "Privacy Policy."
② The "Privacy Policy" can be checked at the bottom of the homepage.

Article 15 (Company's Obligations)

① The Company shall not engage in acts prohibited by law or these Terms of Service or contrary to public order and morals, and shall do its best to provide goods and services continuously and stably as stipulated by these Terms of Service.
② The Company must have a security system for the protection of users' personal information (including credit information) so that users can use internet services safely.
③ The Company shall be liable for damages suffered by users due to unfair labeling or advertising acts as prescribed in Article 3 of the "Act on Fair Labeling and Advertising" regarding products or services.
④ The Company shall not send commercial e-mails that users do not want.

Article 16 (Obligations Regarding Member ID and Password)

① Except for the case in Article 15, the responsibility for managing the ID and password lies with the member.
② The member must not allow a third party to use their ID and password.
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 Company's instructions.

Article 17 (User's Obligations) Users must not engage in the following acts:

① Registration of false information when applying or changing.
② Changing information posted on the Company.
③ Sending or posting information (computer programs, etc.) other than the information set by the Company.
④ Infringement of intellectual property rights such as copyrights of the Company or other third parties.
⑤ Acts that damage the reputation of the Company or other third parties or interfere with their business.
⑥ Disclosing or posting obscene or violent messages, video, audio, or other information contrary to public order and morals on the Company.

Article 18 (Relationship between the Company and Linked Sites)

① A linked site refers to a case where the Company and the site are connected by a hyperlink (e.g., the target of the hyperlink includes text, pictures, and moving images, etc.).
The Company does not take responsibility for guarantees regarding transactions conducted between the user and the linked site through services provided independently by the linked site.

Article 19 (Attribution of Copyright and Restrictions on Use)

① Copyright and other intellectual property rights for works created by the Company belong to the Company.
② The user shall not use information obtained by using the Company for profit-making purposes or allow a third party to use it by reproduction, transmission, publication, distribution, broadcasting, or other methods without the prior consent of the Company.

Article 20 (Dispute Resolution)

① The Company installs and operates a damage compensation processing organization to reflect legitimate opinions or complaints raised by users and to process compensation for damages.
② The Company shall prioritize the processing of complaints and opinions submitted by users. However, if prompt processing is difficult, the Company will immediately notify the user of the reason and the processing schedule.
③ Disputes between users may be subject to mediation by the Electronic Commerce Dispute Mediation Committee established under Article 28 of the Framework Act on Electronic Commerce and Article 15 of the Enforcement Decree thereof.

Article 21 (Compensation Standards for Classes)
① Absence due to Company's fault
- In the case of absence due to the Company's system (native teacher's absence, course errors, etc.), if the class was not taken, we will provide a make-up class.
- No compensation is provided for free services provided in addition to the basic service.
② Absence due to the student's fault
- Make-up classes for absences due to the student postponing or missing a class will be provided according to the standards set by the Company. (Make-up classes for absences due to the student's fault may be changed arbitrarily depending on the circumstances.)
③ Make-up for absence due to business trips or vacations
- Make-up for business trips is allowed only if a business trip certificate is received by the Company, limited to no more than one week of classes per course, and must be notified to the Company at least 24 hours before the business trip to be recognized.
- There is no make-up for vacations, and you must apply for a leave of absence (however, leave of absence is possible only once a month, i.e., during the course registration period).
④ If you have received a make-up class corresponding to the reasons in Paragraph 3, you cannot receive the benefits of the make-up in Paragraph 2.

Article 22 (Jurisdiction and Governing Law)

① The Company shall file lawsuits regarding electronic commerce disputes between users with the competent court under the Civil Procedure Act.
② The Company shall apply Korean law to electronic commerce lawsuits filed between users.

Addendum (Effective Date)
These Terms of Service shall be effective from February 16, 2009.

TalkTime, operated by TalkTime (hereinafter referred to as the "Company"), values the personal information of its members and complies with the "Act on Promotion of Information and Communications Network Utilization and Information Protection."
Through its Privacy Policy, the Company informs members of the purposes and methods for which the personal information provided by members is used, and what measures are being taken for the protection of personal information.

The Company will notify members via website announcements (or individual notices) in the event of any revisions to the Privacy Policy.

ο This policy shall be effective from: February 16, 2009.

■ Items of Personal Information Collected

The Company collects the following personal information for member registration, consultation, service applications, etc.
ο Collected items: Name, date of birth, gender, login ID, password, password questions and answers, home phone number, home address, mobile phone number, email, company name, company phone number, service usage records, cookies, payment records
ο Method of collection: Website (member registration, various bulletin boards, free level test applications), collection via tools for generating information

■ Purpose of Collection and Use of Personal Information

The Company uses the collected personal information for the following purposes:

ο Fulfillment of contracts regarding service provision and settlement of charges for service provision
Provision of content, purchase and payment of charges, delivery of goods or mailing of invoices, identity verification for financial transactions and financial services, debt collection
ο Member management
Identity verification for membership services, personal identification, prevention of unauthorized use and fraudulent use by bad members, confirmation of intent to join, age verification, confirmation of legal representative consent when collecting personal information of children under 14, handling of complaints and other civil affairs, delivery of notices
ο Use for marketing and advertising
Delivery of advertising information such as events, analysis of access frequency, or statistics on members' service usage

■ Retention and Use Period of Personal Information

In principle, the Company destroys the relevant information without delay after the purpose of collecting and using personal information has been achieved. However, if it is necessary to preserve the information according to the provisions of relevant laws and regulations, the Company shall store member information for a certain period as stipulated by the relevant laws and regulations as follows:

Preservation items: Name, date of birth, login ID, home phone number, home address, mobile phone number, email, various messenger IDs, service usage records
Basis for preservation: Use and Protection of Credit Information Act
Retention period: 1 year

Records on display/advertisement: 6 months (Act on the Consumer Protection in Electronic Commerce, Etc.)
Records on contracts or withdrawal of subscription, etc.: 5 years (Act on the Consumer Protection in Electronic Commerce, Etc.)
Records on payment and supply of goods, etc.: 5 years (Act on the Consumer Protection in Electronic Commerce, Etc.)
Records on consumer complaints or dispute handling: 3 years (Act on the Consumer Protection in Electronic Commerce, Etc.)
Records on collection/processing and use of credit information: 3 years (Use and Protection of Credit Information Act)

■ Procedures and Methods for Destruction of Personal Information

In principle, the Company destroys the relevant information without delay after the purpose of collecting and using personal information has been achieved. The procedures and methods for destruction are as follows:

ο Destruction procedure

Information entered by members for member registration, etc., is transferred to a separate database (or a separate filing cabinet in the case of paper) after the purpose is achieved, and is destroyed after being stored for a certain period in accordance with internal policies and other relevant laws and regulations regarding information protection (refer to the retention and use period).

Personal information transferred to a separate database will not be used for any purpose other than for which it is held, unless required by law.

ο Destruction method

- Personal information stored in the form of electronic files is deleted using technical methods that make the records irreproducible.

■ Provision of Personal Information

The Company provides your personal information as follows to provide higher quality services to members:

ο Recipient: Customer support centers located in the Philippines and domestically
ο Items of personal information provided: Name, date of birth, gender, login ID, home phone number, home address, mobile phone number, email, various messenger IDs, service usage records, payment records
ο Purpose of use of provided information: Provision of content, identity verification for membership services, personal identification, prevention of unauthorized use and fraudulent use by bad members, confirmation of intent to join, age verification, confirmation of legal representative consent when collecting personal information of children under 14, handling of complaints and other civil affairs, delivery of notices, delivery of advertising information such as events
ο Retention and use period of provided information: 1 year

However, exceptions are made in the following cases:

- When users have given prior consent

- When there is a request from investigative agencies in accordance with the provisions of laws or for investigation purposes according to the procedures and methods stipulated by laws

■ Entrustment of Collected Personal Information

The Company entrusts the operation to external professional companies as follows for the fulfillment of services:

ο Entrustee: Customer support centers located in the Philippines and domestically
ο Content of entrusted work: Member management, identity verification for membership services, handling of complaints and other civil affairs, delivery of notices, other AS centers, website and system management for other contract fulfillment

■ Rights of Users and Legal Representatives and How to Exercise Them

Users and legal representatives may inquire about or modify their own personal information or the personal information of children under 14 at any time, and may also request the cancellation of membership.
To inquire about or modify the personal information of a user or a child under 14, you may view, correct, or withdraw after going through the identity verification process by requesting "Personal Information Change" (or "Information Modification," etc.) or "Member Withdrawal" for membership cancellation (withdrawal of consent). Alternatively, if you contact the Personal Information Protection Manager in writing, by phone, or by email, we will take action without delay. If you request correction of errors in personal information, the relevant personal information will not be used or provided until the correction is completed. Furthermore, if incorrect personal information has already been provided to a third party, we will notify the third party of the correction results without delay so that the correction can be made.
The Company processes personal information that has been terminated or deleted at the request of the user or legal representative in accordance with the "Retention and Use Period of Personal Information Collected by the Company," and ensures that it cannot be viewed or used for any other purpose.

■ Matters Concerning the Installation, Operation, and Refusal of Automatic Personal Information Collection Devices

The Company operates 'cookies' that frequently store and retrieve your information. A cookie is a very small text file that the server used to operate the website https://talktime.co.kr sends to your browser and is stored on your computer's hard disk. The Company uses cookies for the following purposes:

▶ Purpose of using cookies, etc.
- Analysis of access frequency or visit time of members and non-members, identification of users' tastes and areas of interest, tracking of traces, and provision of targeted marketing and personalized services through identification of participation in various events and number of visits

Members have the right to choose regarding the installation of cookies. Therefore, you may allow all cookies by setting options in your web browser, check each time a cookie is saved, or refuse the storage of all cookies.

▶ How to refuse cookie settings
Example: As a way to refuse cookie settings, you can allow all cookies, check each time a cookie is saved, or refuse the storage of all cookies by selecting the options in the web browser you use.

Example of setting method (in the case of Internet Explorer): Tools at the top of the web browser > Internet Options > Privacy

However, if you refuse the installation of cookies, there may be difficulties in providing services.

■ Civil Service Regarding Personal Information

The Company designates relevant departments and a Personal Information Protection Manager as follows to protect members' personal information and handle complaints related to personal information:

Email: cnet21@naver.com
Name of Personal Information Protection Manager: Choi Gun-sung
Phone number: 070-7631-7002

Members may report all complaints related to personal information protection arising from using the Company's services to the Personal Information Protection Manager or the relevant department. The Company will provide prompt and sufficient answers to users' reports.

If you need to report or consult about other personal information infringements, please contact the following organizations:

1. Personal Information Dispute Mediation Committee (www.1336.or.kr/1336)
2. Privacy Mark Certification Committee (www.eprivacy.or.kr/02-580-0533~4)
3. Supreme Prosecutors' Office Internet Crime Investigation Center (http://icic.sppo.go.kr/02-3480-3600)
4. National Police Agency Cyber Terror Response Center (www.ctrc.go.kr/02-392-0330)