Chapter 1. Welcome!

1. Introduction

Thank you for using the online design service tooldi (hereinafter "tooldi") provided by Tara T.P.S. Co., Ltd. (hereinafter the "Company"). The Company has established the relevant website and service provision process to provide the User with various functions to design easily and conveniently through tooldi, and has prepared these "Terms of Service" (hereinafter these "Terms") for the use of web services utilizing accounts. These Terms specify and regulate the fundamental matters of service use, including rights, obligations and responsibilities necessary for the User to use tooldi, terms and conditions of use, obligations of the Company and users, and other general matters, so please read them carefully.

2. Effectiveness and Amendment of Terms

The contents of these Terms and Conditions shall be posted on the tooldi website or individual web service screens or otherwise notified, and shall be effective for all users who have agreed to these Terms and Conditions.

The Company may amend these Terms and Conditions if necessary, to the extent that it does not violate relevant laws and regulations. In the event of amendment of these Terms and Conditions, the Company shall, in principle, notify the User of the amendments through a notice posted on the tooldi website from seven (7) days prior to the effective date; provided, however, that if these Terms and Conditions are amended to be unfavorable to the User, the Company shall notify the User at least thirty (30) days prior to the effective date of the amendment.

When notifying Users of amended Terms, the Company shall clearly state that failure to express refusal by the effective date of the amendment shall be deemed as consent to the amended Terms. If the User does not expressly indicate refusal of the amended Terms by the effective date after the Company has provided such clear notice, the User shall be deemed to have agreed to and approved the amended Terms. The Company shall fulfill its obligation to clearly notify Users of any amendments. Users who do not agree to the amended Terms may terminate the service use agreement.

In the case of direct membership registration and automatic membership registration through integration, it shall be deemed that the user has agreed to the terms and conditions applicable at the time of registration. Deemed consent arising from amendment of the terms and conditions shall apply only where the Company has followed the notification procedure under Paragraph 3 (including clear notice of the opportunity to express refusal).

3. Rules Other Than Terms and Conditions

Matters not stipulated in these Terms and Conditions and the interpretation thereof shall be governed by relevant statutes and regulations, including the Act on the Regulation of Terms and Conditions, the Act on Consumer Protection in Electronic Commerce, etc., and the Act on Promotion of Information and Communications Network Utilization and Information Protection.

4. Definition of Terms

The terms used in these Terms and Conditions are defined as follows.

"Company": Tara T.P.S. Co., Ltd. means the operator and business entity that provides the online design service "ToolD" to users using information and communications facilities such as cloud, computing system, and network.

"Service": refers to the online design platform service provided by the Company.

"Creator Service": refers to a separate unit of the service that supports the Creator ecosystem and activities, creation, and transactions within the Service.

"User", "Member": means a person who has entered into a use agreement with the Company to receive the Services, agreed to the Terms of Service, and has been assigned a user account (ID).

"Creator": Among the Users using the Service, an account that has the right to upload design content such as templates/elements/photos through a content supply agreement using the Creator application function provided by the Service. In addition, it is an account that acts as the preferred copyright holder of the provided content and has the right to decide whether to disclose/not disclose the content, and determines the price of the provided content at its discretion and can realize the profit process through it by disclosing it within the Service.

"Editor": means a web design production program provided by this Service in SaaS format to facilitate design work.

"tooldi Content": Design content (various design sources such as finished templates, photos, elements, text designs, component designs, illustrations, bitmap images, etc.) provided by tooldi.

"User Content": means various types of design outputs or complete templates created by the "User" using the "Editor."

"Creator Content": means design content, such as templates/elements/photos, etc., uploaded to this "Service" by a "User" who has been assigned "Creator" account rights and finally registered after going through the review and approval process.

"Linked Content": means design elements registered in the Service by the Company through API linkage or direct provision from a third party or partner company in order to maximize the utilization of this Service.

"AI Content": means content produced using generative artificial intelligence, including both content using tooldi AI and all Creator Content uploaded using other generative AI platforms.

Chapter 2. Service Use Agreement

5. Formation of Contract

Applications for use of the Service shall be made by selecting the User's information and consent status on the tooldi website membership registration screen.

The Service Use Agreement shall proceed in accordance with the method specified in Paragraph 1 of this Article after the User has reviewed and agreed to these Terms and Conditions.

A user who intends to use this service by joining as a member may use it normally after the contract is executed by providing the information requested by the Company and accepting the service regulations, such as these Terms and Conditions; provided, however, that the information provided by the user shall be managed in accordance with the Company's Privacy Policy.

In the event that a contract is processed through the linkage of accounts on other sites, the contract may be executed after the User's account is authenticated through lawful authentication procedures. If the User executes the contract in such a manner, it is deemed that the User agrees to the terms and conditions of this service and the privacy policy. Consent to receive marketing communications shall be obtained separately regardless of the method of registration, and failure to consent to the receipt of marketing communications shall not restrict the User's use of the Service.

If the User has completed the procedures for obtaining specific rights to use the paid services, the User will be able to use the services immediately upon the Company's confirmation of the relevant payment approval information, and the User will be able to use all services and features corresponding to the paid license level from the relevant payment date until the period for obtaining rights.

1. Children under the age of 14 may register as members with the consent of their legal representative, and the Company verifies such consent during the sign-up process. Where a minor (under the age of 19) pays for or uses paid services, the consent of a legal representative is required, and a minor's payment made without the legal representative's consent may be cancelled by the minor or the legal representative (Civil Act Article 5). The Company provides procedures to verify the legal representative's consent for minors' payments.

6. Establishment of Creator Agreement

The Creator Agreement shall be automatically established between the Company and a User who agrees to the terms and conditions of the "Creator Service" provided by the Company and completes the Creator application process.

The Creator Agreement shall be based upon the establishment of the Service Use Agreement under Article 5.

Other Creator-related matters shall be governed by the "Creator Terms and Conditions." For detailed information, please refer to [Creator Terms and Conditions].

7. Restrictions on Use of Service Account

In principle, users who have entered into a contract pursuant to Article 5 shall be permitted to use the service account; provided, however, that the Company may withhold or refuse such approval until the relevant grounds are resolved in accordance with each of the following items. Furthermore, if the Company determines that you have created an account in violation of the conditions specified in each item, it may immediately suspend or delete such account or impose other appropriate restrictions.

Where the Company has deleted your account in accordance with these Terms and Conditions, detailed guidelines, or other rules outside the Terms and Conditions;

Where you attempt to create an account using another person's name, email address, or other personal information;

Where the necessary information is not entered or false information is entered when creating a service account;

Where the ID used to create an account is information that can identify an individual and is likely to infringe on privacy;

Where an act is found to be in violation of the terms and conditions, content licensing policy, etc. designated by the Company;

Where the ID and name cause disgust to others or are contrary to public morals;

Where the ID is identical to the name of the Company or the Company's services, operators, etc., or there is a risk of confusion or misidentification.

Where there is no practical capacity available in the service provision facilities following account creation;

Where it is determined that there are technical issues affecting service provision;

Where the Company deems it necessary to impose financial or technical limitations.

Where a user who has been subject to measures such as suspension of account qualifications by the Company voluntarily terminates the account contract and applies for re-use during the period of such measures.

Other cases where reasonable restrictions on account use are necessary due to a violation of these Terms and Conditions or applicable laws and regulations, or grounds equivalent thereto.

Chapter 3. Use of Services

8. Technical Requirements for Use of Services

The Company provides you with the Services and specifies the [Recommended Specifications for Service Use] that allow you to normally use the Services. Your technical environment for using the Services must meet the [Recommended Specifications for Service Use] set forth in Paragraph 1 of this Article to enable normal use of the Services. If the User uses the Services in an environment that does not meet such specifications, the Company may not be liable for any inconvenience or disruption arising therefrom; provided, however, that this limitation shall not apply where such inconvenience or disruption is caused by the Company's intent or gross negligence, and the User's legitimate rights shall not be restricted thereby.

Recommended Specifications for Service Use

• PC: Multi-core processor, 8GB RAM, 1920 x 1080 resolution display
• Network environment: Network with bandwidth of at least 100MB
• Access browser: Chrome/Edge/Naver Whale

9. Use of Account Services

The services provided by the Company through the tooldi Service Account Agreement are as follows.

Provision of email account ID: The Company provides an email account ID to users whose account contract has been approved. In principle, the user email account ID is a unique value assigned to you and therefore cannot be changed. If it is necessary to change it due to unavoidable circumstances, the User must terminate the relevant email account ID and proceed with the re-subscription procedure.

Login: The User can use the member authentication service by entering the User's account and password on the login screen of this service and linking your account.

Single Sign-On (SSO): With a single login made in a web browser, the User can use the website information acquisition and editor in the form of an automatic access service without additional login.

Use of Services Based on Account Permissions: The Company provides account-specific authorization services for use of the Services. The User may use the Services within the scope of permissions assigned to the User's account, and the user may request changes to user's permissions at any time through designated procedures. Paid license acquisition procedures are conducted according to permissions, and users who have not completed such procedures may not demand that the Company provide paid permission functionalities.

The Company provides the following account management services through account agreements.

The Company provides password entry and additional identity verification procedures to prevent unauthorized use of the User's tooldi account by others. If unauthorized use is discovered, please notify the Company through the Customer Service Center for the Services, and the Company will provide you with guidance on methods to prevent unauthorized use.

The User may view and modify the User's executed account information through the account settings screen within the website of the Services; provided, however, that certain information necessary for service management, such as email addresses, telephone numbers, device identification numbers, and other identity verification information, may not be modifiable, and additional identity verification procedures may be required when making modifications.

The User is the sole rightsholder to this Service Account and may not permit any other person to use your Account. You must directly manage your password to prevent unauthorized use of your Account by others. The Company shall not be liable for any problems arising from the User's failure to timely update the User's account information.

10. Use of Website

The services provided by the Company through the tooldi website are as follows.

tooldi Content: The User can access the tooldi content provided by the Company through the website. The Company provides a service that allows the User to search for and access the type of tooldi content you desire, and the user may utilize the provided content according to your requirements. Content is provided in both paid and free formats, and the purchase and use of paid content is conducted through subscription services, immediate payment, and point-based purchases.

Use of Editor: Designs tailored to the User's needs can be created using the provided tooldi editor. New designs can be created in various ways, from creating designs using tooldi content, i.e., finished templates, to creating designs using figures, lines, illustrations, etc. The produced designs can be extracted/converted into various forms such as SNS sharing and downloads; provided, however, that the Company shall not be liable for copyright violations resulting from the production of content, and the account owner from whom the content was created shall be responsible. For more details, please refer to the Content License Policy.

Creator Service: Upon obtaining Creator Account rights, you can upload Creator Content, such as complete templates, creative elements, and creative photos, to the tooldi Service. Creator Content can be uploaded in both paid and free formats, and you can earn revenue by receiving various forms of rewards. Through the follow function, you can become a popular creator or belong to a highly recognized team or group of creators. You can increase your own value and generate more revenue. Creator Content is provided to the Service and the Editor in the form of templates/elements/photos, and the copyright of such content belongs to the Creator. The Company manages and distributes such content in accordance with the Content License Policy. For more information, please refer to the Content License Policy and Creator Terms and Conditions.

Pro Service (Regular Subscription Service): To maximize the utilization of the tooldi Service, the Pro Service, a regular subscription service, is provided. The Pro Service allows unlimited use of paid content registered with tooldi, and provides ample storage and unlimited number of template tasks. It provides expanded tooldi services and functions by providing convenient automatic payment services at a reasonable price.

The Company provides content management services.

The Company values all designs you create. Therefore, the Company stores all content the User creates in a database and provide a service that allows you to immediately extract and use it from the storage allocated to each account.

The Company provides page screens for each account so that the User can check the content the User has produced. Accordingly, you can check the content of the materials you have created or are in the process of creating on the relevant page. Production and deletion are freely conducted within the allocated storage, and content produced for your revenue generation is provided with differentiated screens and UI/UX so that you can manage them separately.

However, a separate storage function is provided within the Editor for content management, and the Company does not separately store or manage content that you have not saved; accordingly, such content may be irrecoverable. The Company shall bear no obligation to restore content that has not been saved by the User; provided, however, that this limitation shall not apply where content that has been saved is lost or damaged due to the Company's intent or gross negligence.

In order to provide the User with better services, the Company may display various notifications, management messages, and other advertisements related to the use of the Services on the website screen or send them to your email. In the case of transmitting advertising information, it shall be sent only to users who have consented to receive marketing communications at the time of account registration.

11. Hours of Use and Change/Suspension of Services

The Company shall use its best efforts to provide the Services 365 days/24 hours without interruption; provided, however, that in the following cases, the Company may restrict or suspend all or part of the Services without prior notice, and if the restriction or suspension of the Services is scheduled for a date or specific time determined by the Company, the relevant details shall be notified to the User in advance through the Website.

In cases of regular or temporary inspections for the maintenance and repair of tooldi service facilities;

Where the Company conducts service inspections or infrastructure expansion or replacement work to improve the user experience of the tooldi Service;

Where the normal use of the service is hindered due to power outages, equipment failures, or a surge in the number of service users.

Where a service attack occurs due to DDoS or data hacking;

Where the Company is unable to maintain the Services due to various circumstances of the Company, including government orders/regulations.

Where there are force majeure circumstances, such as natural disasters or national emergencies;

12. Restrictions on Use of Services

The Company may restrict or suspend the use of services for the relevant account in the following cases.

Where the Service is used using another person's account;

Where the Service is used for unlawful purposes;

Damaging the reputation of others or causing disadvantages to others;

Where elements that undermine public morals (obscenity, incitement to discrimination, child abuse, animal abuse, defamation, defamation of a specific person, violence, crime, illegal act, gambling, infringement of personal information, acts that cause discomfort, etc.) are inserted in the User Content and are exposed to the Service;

Where the service is used for purposes that violate relevant laws and regulations, such as the Information and Communications Act and the Juvenile Protection Act;

Where the User uses the Services in violation of the terms and conditions of the Services, the Content License Policy, the Creator Terms and Conditions, the Creator Operation Policy, and other matters prescribed by the Company.

If you are using an account with paid license rights assigned through periodic payment (hereinafter referred to as "Subscription"), you may use all permitted features within the Service; provided, however, that if you cancel the Subscription, restrictions on the use of Subscription Service features shall take effect from the day following the expiration of the paid license period for the relevant account.

Chapter 4. Obligations of the Parties to the Contract

13. Company's Obligations

The Company shall have the obligation to provide the Services in a manner that enables smooth utilization thereof from the time the User expresses the User's intention to use the Services and enter into the contract.

The Company shall exercise its best efforts to procure infrastructure and content for the continuous and stable operation of the Services, and in the event that any disruption occurs in the procurement of infrastructure and content, the Company shall undertake repairs and restoration without delay.

The Company discloses and complies with its Privacy Policy to protect the valuable personal information the User provides.

If the Company determines that your opinions or complaints are reasonable for improving the use of the Services, it shall reflect and implement improvements through appropriate procedures; provided, however, that if immediate improvement processing is not possible, it shall notify the User of the reasons and processing schedule.

14. User's Obligations

The User shall not engage in any of the following acts while using this Service. If such acts occur, the Company may take lawful measures (such as account suspension or contract termination) against the relevant account.

Entering false information when applying for or changing the use of the Services, stealing or unlawfully using another user's account and password, using another person's name, or performing mobile phone authentication, etc. without the permission of the holder of the name;

Damaging the reputation of others or causing discomfort or disadvantage to others;

Posting obscene materials on the website or linking to obscene websites;

Infringing on the copyrights or other rights of the Company or a third party;

Copying, purchasing, or utilizing paid content through illegal means;

Distributing to others information, text, graphics, audio, images, or other content that violates public order and good morals;

Registering or distributing computer virus-infected materials that cause malfunction of equipment related to this Service or destruction and disruption of information;

Intentionally interfering with the operation of this Service or transmitting information that may undermine stable operation, system integrity, or security stability, and transmitting advertising information or spam emails contrary to the recipient's explicit refusal to receive such communications.

Copying, modifying, distributing, selling, transferring, lending, providing as collateral, or permitting others to use the Services or any part of the software included therein without the Company's consent, and reproducing, disassembling, imitating, or otherwise modifying the Services, including reverse engineering the software or attempting to extract source code.

Impersonating another person or falsely representing a relationship with another person;

Collecting, storing, or disclosing personal information of other members;

Distributing false information with the intent to provide financial benefit to oneself or others or to cause harm to the Company or others;

All business activities aimed at acquiring commercial profits by using the Services without the prior consent of the Company.

Distributing information that facilitates prostitution or mediates obscene acts;

Interfering with the daily life of the public or other parties by continuously transmitting to the Services or to others words, sounds, images, writings, pictures, or videos that induce shame, disgust, or fear;

Transmitting or posting information (including computer programs) that is prohibited from transmission or posting under relevant statutes;

Impersonating or falsely representing employees or operators of the Company or its affiliates, or sending posts, comments, emails, messenger messages, etc. using another person's name.

Posting or sending by email or messenger messages materials containing software viruses or other computer codes, files, or programs designed to interfere with or destroy the normal operation of computer software, hardware, or telecommunications equipment.

Exploiting bugs that occur in the service (website or editor).

Acquiring any illegal authority, such as obtaining a paid license through abnormal means.

Creating User Content that infringes upon another person's patents, trademarks, trade secrets, copyrights, or other intellectual property rights and transmitting, posting, or distributing such Content to others through the Services.

Any and all other unlawful acts.

You must directly manage the account ID and password assigned to you as a Member. The Company shall not be liable for any issues arising from your negligence in management, and no separate objections may be raised.

Should you fail to comply with applicable laws and regulations, the Company's terms and conditions, or licensing policies, the Company may investigate your violations and may temporarily or permanently suspend your use of the Services or impose restrictions on re-registration.

You may not transfer or donate the right to use the Services or other status under the Use Agreement to another person, nor provide it as collateral, without the express consent of the Company.

If you produce User Content, you must not infringe on the intellectual property rights of a third party in accordance with the Content Licensing Policy of this Service. For more information, please refer to the Content Licensing Policy.

15. Protection of Personal Information

The secure processing of the User's personal information is one of the Company's most important responsibilities. The User's personal information will be used only for the purposes and within the scope to which the User has consented for the smooth provision of services. Unless required by law or unless the User provides separate consent, the Company will never disclose the User's personal information to third parties.

16. Notice and Public Announcement to Users

The Company values the exchange of opinions with the User. The User may visit the tooldi Customer Center website at any time to express the User's opinions. For matters that materially affect the User, the Company shall provide individual notice by sending an email to the email address associated with the contracted account or by sending a text message (SMS) or messenger message to the User's registered mobile phone number.

Chapter 5. Management of User Information, Contents, etc.

17. Management of User Information

The User account information you have entered into with the Company is stored in the Company's infrastructure; provided, however, that in the case of passwords, you can be assured that they are processed and stored as security information.

All responsibility for the management of the user account ID and password shall be borne by the owner of the relevant account. The Company uses the user ID as the email recorded at the time of registration. Therefore, Users cannot arbitrarily change the user ID, and the default setting is configured to send the Company's notices and advertisements to the registered email address.

The Company shall send essential service-operation notices and contractual information to the User's registered email address. Advertising or promotional information shall be sent only to members who have provided prior consent to receive such communications in accordance with Article 50 of the Act on Promotion of Information and Communications Network Utilization and Information Protection, and members may withdraw such consent at any time.

The Company may request, store, and manage additional personal information with the consent of Users for the purposes of adding services, improving services, and introducing services to Users.

18. Management of Content

The Company may delete, move, or refuse to register any of the following User Content, posts, or other materials without prior notice.

Where it is determined that the User produces and distributes User Content in violation of a third party's intellectual property rights (patent rights, trademark rights, portrait rights, trademarks, service marks, business rights, trade secrets, etc.);

Where the content seriously insults or damages the reputation of other users or a third party;

Where information, images, design elements, text, diagrams, etc. that violate the Juvenile Protection Act are posted or links are provided;

Where the content exposes minors to inappropriate or harmful material or that there is intent to harm or exploit;

Where it is deemed to be involved in or contribute to a crime or illegal act;

Where the content includes information that discriminates against others on the basis of race, religion, gender, sexual orientation, age, disability, country of origin, etc.;

Where it is deemed to be in violation of other relevant laws and regulations.

If User Content created by the User is uploaded to this Service, such Content shall be stored and managed as Creator Content in the Company's infrastructure database. The uploaded Creator Content shall be recognized as legitimate creative work and stored and managed unless otherwise specified in Paragraph 1 of this Article. If it becomes necessary to delete, move, or modify such Content due to unavoidable circumstances, the User who created such Content shall be given prior notice at the contact information registered by such User, and the Company may delete, move, or modify such Content after providing such notice.

If adjustments to the number of stored templates are necessary due to changes in the number of active template tasks, only the most recent content that is permissible as of the date and time of such change shall be preserved. All other content shall be deleted after prior notice and a grace period of at least thirty (30) days during which the User is given an opportunity to back up or download such content.

If adjustment of stored files is required due to a change in storage allocation capacity, only the most recent files within the permissible capacity as of the date and time of such change shall be preserved. All other content shall be deleted after prior notice and a grace period of at least thirty (30) days during which the User is given an opportunity to back up or download such content.

Example: Upon termination of Pro Service subscription

Accounts with uploaded files of 1GB or more: Upon termination of the Pro service, the allocated storage capacity shall be reduced from a maximum of 10GB to 1GB, and any remaining content from existing stored files, excluding the most recent content within the permitted capacity, shall be deleted after prior notice and a grace period of at least thirty (30) days during which the User is given an opportunity to back up or download such content.

Accounts with uploaded files less than 1GB: Upon termination of the Pro service, the allocated storage capacity shall be reduced from a maximum of 10GB to 1GB, and no content shall be subject to deletion.

Where content owned by a Creator is included in User Content, the content of such User Content may be modified as a result of deletion or modification of the relevant Creator content.

19. Management of History Data

The Company shall separately manage history data for each account based on user activities. The management and retention periods for history data displayed on the Service and directly accessible to users are as follows.

Point purchase history: One year after purchase;

Payment history for the purchase of paid content and products: One year after purchase;

Payment history of regular subscriptions: One year after purchase.

Creator Reward payment history: One year after payment.

Creator settlement history: One year after settlement.

The historical data presented above is managed separately from the contents contained in '5. Destruction of Personal Information' in the Privacy Policy.

20. Copyright

The copyright of all design elements (finished templates, illustrations, photos, bitmap images, diagrams, lines, charts, text art, etc.) provided through this service shall belong to the Company. The User shall have the right to use the design elements provided by the Company for creations carried out through the editor, but the User may not resell the combined image elements in the form of specific elements or components, and may not use them for revenue-generating activities through other online services and offline.

User content produced using this service may be distributed online, such as on the Internet or mobile devices, or produced and used as printed materials, and no copyright issues will arise, including for commercial use, unless it violates the content license.

Creator Content (images, complete templates, design elements, etc.) registered on this Service may be deleted without prior notice where it clearly infringes the copyrights of others. In addition, the legal responsibility for the relevant content shall be borne by the user who performed the act of uploading, and even if the relevant content is used by others and violates the Copyright Act, all legal responsibility shall be borne by the user who registered the relevant content, not by the Company.

The copyright of User Content created by a user using the Editor belongs to the user who created such content. The Company holds only a non-exclusive license to use such content to the extent necessary for providing, operating, promoting, and improving the Service. The rights and licensing of AI Content and Creator Content shall be governed by applicable laws, the Creator Terms and Conditions, and the Content License Policy. If it is determined that the copyright of User Content registered by a specific user on the Service has been infringed by another person or other users, please report it or contact the Customer Center, and the Company will endeavor to handle it promptly.

The copyright of content integrated with this service in third-party form shall be governed by the copyright regulations of the content provider or content providing company.

Chapter 6. Use of Paid Services

This Chapter contains provisions relating to paid services provided by tooldi (subscription services, content and product purchases, etc.). The following provisions in this Chapter shall apply collectively to all paid services provided by tooldi.

21. Notice of Paid Service Content

The Company shall display the content of paid services in a manner easily recognizable to users, such as on web service screens or payment screens.

In addition, the Company shall display the following information related to paid services in a manner that is easily comprehensible to users.

• Name or title of the paid service
• Contents and methods of use of paid services, usage fees, amounts, payment methods, etc.
• Information related to refunds after payment for paid services

The Company's paid services are based on the specifications recommended by this Service, and the Company cannot actively resolve any inconvenience caused by the use of devices that do not meet the recommended specifications. Furthermore, the Company shall not be liable for any monetary loss incurred therefrom.

In providing paid services, the Company shall provide matters regarding the conditions and procedures for exchange/return/refund/guarantee of paid services (see Chapter 7 of these Terms and Conditions).

22. Paid Services and Paid Service Users

The Paid Services shall commence from the time the Company accepts the User's application for the use of the Paid Services (in the case of some services, from the designated date notified in advance after receipt of the application for use); provided, however, that if the Company is unable to commence the Paid Services due to technical reasons or other circumstances, the Company shall notify the User in advance.

If a user applies for the "Paid Services," the Company shall notify the relevant user of the details of the application for use.

This Service provides the following "Paid Services" and may add or change the contents of the Services depending on the Company's circumstances and other conditions.

Regular payment (subscription service): A service where the user automatically pays the usage fee on a monthly or annual basis and the usage period is automatically renewed through a payment method registered in advance or newly registered by the user to use the Pro functions of this Service.

Point Purchase: The method of purchasing 'points' distributed within the Service by making a payment to purchase 'paid content' provided by the Service.

Brokerage transaction service: A brokerage commission transaction method that occurs when a third party earns profits using the "paid service" provided by the Company, and the method of using brokerage transactions shall be in accordance with the guidance in Chapter 8 "Use of brokerage services" provided in these Terms and Conditions.

If the paid content supply contract between the author and the Company for paid content stored by the user on the My Page is terminated or if it is found that the relevant content violates the licensing policy, the usage rights for such content may be changed, resulting in the user no longer being able to use or download such content. However, in the event of such changes, the Company shall provide information regarding the changed content without delay.

In the event that the use of the "Paid Services" for each account is terminated, all content data, including content obtained by the relevant account through the paid services, shall be stored and deleted in accordance with Chapter 5 of these Terms and Conditions regarding the management of member information, content, and other information.

23. Contract for Use of Paid Services

A contract for the use of paid services between the Company and the User shall be established when the User who has agreed to these Terms and Conditions applies for the use of the paid services and the Company accepts such application (the point at which the indication of 'purchase/payment completed, etc.' of the paid services is displayed to the User in the procedure).

The Company shall provide the following information so that the User can accurately understand the use of the Paid Services and make payments and transactions without errors or mistakes.

Information related to regular payments (subscription services)

The period of use of the regular payment (subscription service) is divided into monthly and annual, and the regular payment occurs regularly on the purchase date of each month or year.

Example of using monthly regular payment (subscription service): If payment is made on the 15th, the next regular payment date is the 15th of the following month.

Example of using annual regular payment (subscription service): If payment was made on January 15, 2021, the next regular payment date is January 15, 2022.

If the subscription service contract is executed on a date that does not exist in the following month (e.g., 31st, etc.), the regular payment will be made on the last day of the following month.

Payment will be automatically made on the relevant date, and a notification message will be sent through the registered information (email, SMS, messenger) after payment.

Information on refunds for paid services

Please refer to Chapter 7 "Refund Policy" of these Terms and Conditions for the relevant information.

In the event that any reason arises that prevents the Company from performing the "Member's Obligations" set forth in Article 14 of Chapter 4 "Obligations of the Contracting Parties" of these Terms and Conditions, the Company may refuse or withhold approval for the application to use the "Paid Services", and the previously approved Paid Services may be terminated.

The User may provide all necessary information when applying for the use of the Paid Services. In such cases, the User shall provide information that corresponds to the User's current circumstances, and shall provide the Company with the selection of the payment method for the Paid Services that the User intends to use and the accurate payment information necessary for the selected payment method.

If the relevant matters in the preceding paragraph are changed, the User shall notify the Company of the changes without delay in accordance with the procedures established by the Company, and the Company shall reflect such changes without delay.

Users may utilize "paid services" through payment methods designated by the Company, and may use "points" and "coupons" issued through various promotions or events, or gift certificates issued by the Company and third parties to purchase content, products, subscription services, etc.

The Company may establish transaction limits, such as monthly cumulative payment amounts per user and payment limits, for the transaction amounts of users utilizing paid services in accordance with internal policies and changes in external payment providers (PG companies, banks, credit card companies, etc.) and other applicable laws and regulations. If a user seeks to utilize paid services beyond the transaction limits established by the Company, additional use of paid services may be unavailable due to exceeding such transaction limits.

In the event that relevant content is deleted or processed for reasons unrelated to the user after purchasing paid content and cannot be used, the user may submit a refund request to the Company. In such cases, the refund shall be processed in accordance with the method designated by the Company.

The timing of provision of products offered by the Company may vary without prior notice depending on whether each copyright holder has granted permission for use.

Promotional points provided to and held by the User from the Company shall not be refunded in cash, and if the User terminates the membership agreement or becomes subject to restrictions on 'Member' status due to a violation of laws or these Terms, such points shall be immediately deleted. Points provided through promotions shall automatically expire thirty (30) days from the date of provision; provided, however, that the point retention period may be modified depending on the nature of the promotion.

24. International Payment Services

Payment Methods and Currency

The Company may provide international payment APIs (e.g., PayPal, WeChat Pay, Alipay, etc.) and credit card payment services (e.g., VISA, MASTER, JCB, AMEX, etc.) for Subscribers residing outside of Korea or holders of international payment methods.

In principle, all payments are calculated based on Korean Won (KRW). However, prices may be displayed in foreign currencies, such as U.S. Dollars (USD), depending on the platform settings.

The actual billed amount may differ from the price displayed on the Website due to exchange rates and policies of the Subscriber's card issuer, bank, or payment gateway (PG). The Company is not liable for any such discrepancies and shall not provide any compensation for exchange rate differences.

In the case of point payment or direct payment for templates or elements, no refund shall be made even if the user does not directly use the relevant content.

Fees and Responsibilities

All fees arising from international payments, including but not limited to currency conversion fees, foreign transaction fees, and payment gateway service fees, shall be charged according to the policies of the Subscriber's payment method issuer and the platform. These fees shall be borne entirely by the Subscriber.

The Subscriber is solely responsible for any payment failures resulting from exceeded credit limits, declined transactions, expired payment methods, or any other causes attributable to the Subscriber.

International Shipping and Customs (for physical goods, etc.)

For products shipped internationally, taxes and duties—including customs duties, Value Added Tax (VAT), and customs clearance fees—may be imposed in accordance with the laws of the destination country.

As a general rule, all such duties and taxes are the responsibility of the recipient (Subscriber). If a product is returned because the Subscriber refuses to pay customs duties, the Company shall issue a refund after deducting the actual round-trip shipping costs and production expenses incurred. (This is because custom-made products cannot be resold).

The Company shall not be held liable for any shipping delays caused by customs clearance, incorrect recipient information, or local courier circumstances, unless such delays are due to the Company's intentional misconduct or gross negligence.

Security and Fraud Detection

To prevent unauthorized use or fraudulent transactions, the Company may request additional identity verification or supporting documentation from the Subscriber when necessary.

The Company reserves the right to hold or cancel any transaction suspected of being fraudulent or irregular. The Company shall not be liable for any service delays or inconveniences resulting from such actions.

Chapter 7. Refund Policy

This chapter contains information regarding refund criteria related to the use of paid content arising from the use of tooldi services. Please review this information prior to using paid content.

25. Refund Procedures

The usage period and refund eligibility period for charged (paid) points provided by the Service shall be limited to within five (5) years from the date of payment, in accordance with the commercial statute of limitations under the Commercial Act. The usage period and refund eligibility period for free (promotional) points shall be governed by Articles 10 and 29 of these Terms.

Point refund: Application for refund → Confirmation in accordance with the point purchase refund policy → Approval of refund → Performing the refund procedure with the financial institution → Refund after deducting the fee → Completion of refund.

Refund for regular payment (subscription service): In the case of regular payment (subscription service), a refund is possible through payment cancellation; provided, however, that the refund amount following payment cancellation shall be in accordance with Article 27 (Refund Policy for Regular Payment (Subscription Service)).

Digital content such as templates and elements is provided immediately upon purchase. Accordingly, withdrawal of purchase (청약철회) may be restricted pursuant to Article 17(2) of the Electronic Commerce Act; provided, however, that such restriction on withdrawal shall apply only where the Company has clearly notified the User at the time of purchase that the content is provided immediately upon purchase and that withdrawal is thereby restricted, and the User has expressly consented thereto.

26. Refund Policy for Points

This is a refund policy related to general payments used for purchasing points within the tooldi service. Detailed information is provided in the table below.

• ※ Credit card company authorization cancellations shall be processed in accordance with each credit card company's payment cancellation policy. In the event of return processing, please contact the credit card company.
• ※ In the case of bank transfers without passbook and real-time account transfers, processing shall be conducted in accordance with the bank's cancellation and refund policy. In the event of return processing, please contact the respective bank.
• ※ For transactions conducted via account transfer or virtual account, fees may apply. Such fees shall be determined at amounts designated by the payment gateway company.

27. Refund Policy for Regular Payments (Subscription Services)

This is the refund policy following the cancellation of Pro Service subscription payments. The details are as set forth in the table below.

If you have any inquiries regarding the cancellation and refund of recurring payments (subscription services), please contact [cs@tooldi.com] with your account information and the reason for your request! We will review and process your request immediately.

• ※ Credit card authorization cancellations are processed in accordance with each credit card company's payment cancellation policy. In the event of a chargeback, please contact your credit card company.
• ※ For bank transfers and real-time account transfers, processing will be conducted in accordance with each bank's cancellation and refund policy. In the event of a chargeback, please contact the respective bank.

28. Refunds for International Payments

General Refund Policy: The following policies apply to all cancellations and refunds for transactions made via international payment methods.

Cancellations and refunds for international payments are processed in accordance with the policies and procedures of the respective payment gateway (e.g., PayPal) and the Subscriber's card issuer.

Please be advised that international refunds may take significantly longer than domestic transactions, typically requiring 2~4 weeks for the credit to appear on the Subscriber's statement.

Any losses resulting from exchange rate fluctuations between the time of payment and the time of refund (Exchange Rate Loss) will not be reimbursed by the Company.

Foreign transaction fees or service charges previously imposed by the Subscriber's payment issuer will not be refunded, unless the refund is necessitated by a cause solely attributable to the Company.

Certain international payment methods may not support partial refunds due to technical limitations of the payment provider.

In such cases, the refund may be processed by cancelling the original transaction in its entirety and requiring a re-payment for the adjusted amount, or through other methods separately designated by the Company.

29. General Provisions Relating to Refunds

The Company may amend the refund policy to the extent that it does not violate relevant laws and regulations, including the Act on the Regulation of Terms and Conditions and the Act on Electronic Commerce and Consumer Protection. In addition, the express agreements commonly applicable to the refund policies designated by the Company are as follows.

The expiration period for recharged points is 5 years from the date of purchase. Points that have reached their expiration date shall automatically lapse in accordance with the commercial statute of limitations under the Commercial Act.

Upon termination of the service use agreement, any unused balance of charged (paid) points held by the relevant account shall be refunded in accordance with Articles 25 and 26 of these Terms; provided, however, that free (promotional) points shall automatically lapse upon termination of the agreement.

Refund approval shall not be granted where the account cannot be used or where the service cannot be used due to the user's fault.

Points or coupons granted free of charge by the Company in connection with marketing, events, promotions, etc. shall not affect refunds.

The Company may deduct financial transaction fees, taxes, and public charges when processing refund transactions. Refund fees shall be determined at the amount designated by the payment gateway provider.

The Company reserves the right not to implement the refund policy if a User violates applicable laws or these Terms of Use, and may accordingly refuse such User's refund request.

Chapter 8. Use of Brokerage Services

30. Types and Use of Brokerage Services

The brokerage services provided by the Company include general transactions, agreed transactions, etc. The types and contents of brokerage services may be added or changed according to the Company's policies.

The Company shall notify the characteristics, procedures, and payment methods of each transaction through the service screen depending on the type of brokerage service. Users shall fully understand the matters regarding each transaction notified by the Company in advance and use the brokerage service.

Users may access the brokerage service provided by the Company through their ID and password, and may sell or purchase content using such service; provided, however, that the authority to sell content shall vest in accounts granted Creator rights in accordance with the method designated by the Company. The Company shall provide notice of such rights and restrictions on the relevant service screen.

When a User sells or purchases content through the brokerage service, the transaction must be completed through the payment service provided by the Company. The Company shall not be liable for any issues arising from direct payments between Users. Additionally, if a report of direct payment is received, the User may be subject to restrictions on use of the Service.

31. Suspension and Restriction of Use of Brokerage Services

For the safety and reliability of transactions through the brokerage service, the Company may suspend a User's Creator rights and membership status in accordance with these Terms and Conditions, impose restrictions on use of the Service, and take other additional necessary measures. Where a User's rights are suspended or restricted, new uploads, sales, and new provision of content shall be suspended; provided, however, that the copyright to such content shall remain vested in the member, and content already distributed or in use pursuant to the perpetual license granted at the time of upload shall continue to be provided and maintained, and existing users shall be permitted to continue using such content. The Company shall provide notice of the characteristics, procedures, and payment methods of each transaction through the service screen according to the type of brokerage service. Users shall fully understand the matters regarding each transaction as notified by the Company in advance and shall use the brokerage service accordingly.

When the Company suspends membership, restricts use of the sales/purchase services, or takes other necessary measures, the Company shall provide prior notice to the user by telephone, email, or other means, unless these Terms and Conditions specifically provide otherwise. However, where the Company determines that expeditious action is required, it may take action first and provide notice thereafter. Users may object to the Company's measures, and the Company may rescind such measures if it determines that the user's objection is justified.

Chapter 9. Termination of Use Agreement

32. Termination of the Use Agreement

If the User no longer wishes to use the tooldi service, the User may apply for termination of the use agreement at any time using the menu provided within the service, and the Company will promptly process such application in accordance with applicable laws and regulations.

The Company does not operate a dormant-account separate-storage scheme and does not automatically destroy a member's account solely on the grounds of prolonged inactivity. Notwithstanding the foregoing, if the contact information registered by the member (email address, mobile phone number, etc.) is no longer valid, resulting in insufficient essential information to maintain the use agreement and provide the service, the Company may terminate the use agreement after providing notice through any available valid means (including cases where such notice is not possible).

Upon termination of the use agreement, all data shall be deleted or transferred in bulk, except for specific information of the relevant account that must be retained in accordance with applicable laws and regulations and the personal information processing policy. Additionally, information generated from the User's account activities (history information, cookie information, stat points, etc.) and service usage data shall be deleted in bulk.

In the case of an account with ongoing recurring payments (subscription service), upon termination of the use agreement, the recurring payment (subscription service) shall be suspended and related service usage rights shall be immediately terminated, even if the subscription service usage period remains based on the applicable date.

Upon termination of the Use Agreement, any unused balance of charged (paid) points held by the relevant account shall be refunded in accordance with Articles 25 and 26 of these Terms; free (promotional) points shall automatically lapse upon termination. The handling of rewards granted for Creator activities shall be governed by Paragraph 6 of this Article and the Creator Terms and Conditions.

In the case of a Creator Account, upon termination of the Use Agreement, the copyright to content uploaded by the relevant Account shall remain vested in the Creator and shall not vest in the Company. Content already distributed or in use pursuant to the license granted at the time of upload shall continue to be provided and maintained, and existing users shall be permitted to continue using such content; however, new uploads, sales, and new provision of content shall cease. The scope of continued use shall be governed by the Content License Policy and the Creator Terms and Conditions. Unsettled Rewards for which the grounds for payment have been confirmed prior to termination shall be paid in accordance with the settlement procedures; provided, however, that in cases of termination due to fraudulent conduct, the payment of such Rewards may be withheld or recovered.

Even if the Use Agreement is terminated, the User may apply to the Company for the conclusion of a new Use Agreement; provided, however, that the User cannot claim any rights or ownership with respect to all terminated accounts that the User previously owned.

33. Damages and Disclaimer

The Company makes no specific agreements or warranties regarding any particular matters not specified in these Terms and Conditions in connection with the Services, to the extent permitted by applicable law. Furthermore, the Company makes no warranties as to the reliability, accuracy, or other aspects of information, materials, or facts posted on the Services by Content Providers, Content Provider Companies, or Users through preparation or upload, and shall not be liable for any damages you incur that occur without the Company's fault; provided that this does not apply to damages caused by the Company's intent or gross negligence.

If you suffer damages due to the Company's fault, the Company shall compensate you for such damages in accordance with these Terms and Conditions and applicable laws and regulations; provided, however, that the Company shall not be liable for the following damages that occur without the Company's fault. In addition, the Company shall not be liable for indirect damages, special damages, consequential damages, disciplinary damages, and punitive damages to the extent permitted by law; provided that this does not apply to damages caused by the Company's intent or gross negligence.

Where the Service cannot be provided due to natural disasters, DDOS attacks, IDC failures, line failures of telecommunications carriers, or other similar force majeure events.

Where there is an impediment to the use of the service due to a cause attributable to you.

Personal damages incurred in the course of accessing or using the Services.

Damages caused by a third party illegally accessing the Company's services or using the infrastructure equipment.

Damages caused by a third party transmitting or disseminating malicious programs

Damages caused by the omission, deletion, destruction, etc. of transmitted data, and damages caused by a third party in the course of using the service, such as defamation

Other damages caused by reasons not attributable to the Company's intention or negligence.

Damages incurred due to the suspension of services conducted by the Company due to unavoidable reasons such as repair, replacement, regular inspection, construction, etc. for the improvement of services

If damage occurs due to an error in the device (PC, smart device, etc.) you use, or if there is a problem in your network environment.

The Company shall not be liable for any damages caused by materials obtained by you while using the Services. Furthermore, the Company shall not be liable to compensate for any mental or material damages suffered by you from other users while using the Services; provided that this does not apply to damages caused by the Company's intent or gross negligence.

The Company shall not be obligated to intervene in any dispute arising through the Services between users and third parties, and shall not be liable for any damages arising therefrom.

34. Dispute Resolution

These Terms and Conditions or the Services shall be governed by and construed in accordance with the laws and regulations of the Republic of Korea. If a dispute arises between the Company and the User in connection with the use of the Services, the Company will consult in good faith to resolve such dispute. Notwithstanding the foregoing, if such dispute cannot be resolved, the User may file a lawsuit with the court having jurisdiction under the Civil Procedure Act.

If any matter not specified in these Terms and Conditions is prescribed by relevant laws and regulations, such relevant provisions shall apply.

Chapter 1. Welcome!

1. Introduction

Thank you for using the online design service tooldi (hereinafter "tooldi") provided by Tara T.P.S. Co., Ltd. (hereinafter the "Company"). The Company has established the relevant website and service provision process to provide the User with various functions to design easily and conveniently through tooldi, and has prepared these "Terms of Service" (hereinafter these "Terms") for the use of web services utilizing accounts. These Terms specify and regulate the fundamental matters of service use, including rights, obligations and responsibilities necessary for the User to use tooldi, terms and conditions of use, obligations of the Company and users, and other general matters, so please read them carefully.

2. Effectiveness and Amendment of Terms

The contents of these Terms and Conditions shall be posted on the tooldi website or individual web service screens or otherwise notified, and shall be effective for all users who have agreed to these Terms and Conditions.

The Company may amend these Terms and Conditions if necessary, to the extent that it does not violate relevant laws and regulations. In the event of amendment of these Terms and Conditions, the Company shall, in principle, notify the User of the amendments through a notice posted on the tooldi website from seven (7) days prior to the effective date; provided, however, that if these Terms and Conditions are amended to be unfavorable to the User, the Company shall notify the User at least thirty (30) days prior to the effective date of the amendment.

If the User does not expressly indicate refusal of the amended Terms within seven (7) days after the effective date of the terms and conditions after the Company distributes the terms and conditions through notice or individual notice, the user shall be deemed to have agreed to and approved the relevant terms and conditions. The Company shall not be liable for any damages caused by the failure to become aware of the information on the amended terms and conditions. If the User does not agree to these terms and conditions, the User may terminate the service use agreement.

In the case of direct membership registration and automatic membership registration through integration, it shall be deemed that the user has agreed to the terms and conditions applicable at the time of registration, and continuous use of the service after amendment of the terms and conditions shall also be deemed as agreement to the changes to the terms and conditions.

3. Rules Other Than Terms and Conditions

Matters not stipulated in these Terms and Conditions and the interpretation thereof shall be governed by relevant statutes and regulations, including the Act on the Regulation of Terms and Conditions, the Act on Consumer Protection in Electronic Commerce, etc., and the Act on Promotion of Information and Communications Network Utilization and Information Protection.

4. Definition of Terms

The terms used in these Terms and Conditions are defined as follows.

"Company": Tara T.P.S. Co., Ltd. means the operator and business entity that provides the online design service "ToolD" to users using information and communications facilities such as cloud, computing system, and network.

"Service": refers to the online design platform service provided by the Company.

"Creator Service": refers to a separate unit of the service that supports the Creator ecosystem and activities, creation, and transactions within the Service.

"User", "Member": means a person who has entered into a use agreement with the Company to receive the Services, agreed to the Terms of Service, and has been assigned a user account (ID).

"Creator": Among the Users using the Service, an account that has the right to upload design content such as templates/elements/photos through a content supply agreement using the Creator application function provided by the Service. In addition, it is an account that acts as the preferred copyright holder of the provided content and has the right to decide whether to disclose/not disclose the content, and determines the price of the provided content at its discretion and can realize the profit process through it by disclosing it within the Service.

"Editor": means a web design production program provided by this Service in SaaS format to facilitate design work.

"tooldi Content": Design content (various design sources such as finished templates, photos, elements, text designs, component designs, illustrations, bitmap images, etc.) provided by tooldi.

"User Content": means various types of design outputs or complete templates created by the "User" using the "Editor."

"Creator Content": means design content, such as templates/elements/photos, etc., uploaded to this "Service" by a "User" who has been assigned "Creator" account rights and finally registered after going through the review and approval process.

"Linked Content": means design elements registered in the Service by the Company through API linkage or direct provision from a third party or partner company in order to maximize the utilization of this Service.

"AI Content": means content produced using generative artificial intelligence, including both content using tooldi AI and all Creator Content uploaded using other generative AI platforms.

Chapter 2. Service Use Agreement

5. Formation of Contract

Applications for use of the Service shall be made by selecting the User's information and consent status on the tooldi website membership registration screen.

The Service Use Agreement shall proceed in accordance with the method specified in Paragraph 1 of this Article after the User has reviewed and agreed to these Terms and Conditions.

A user who intends to use this service by joining as a member may use it normally after the contract is executed by providing the information requested by the Company and accepting the service regulations, such as these Terms and Conditions; provided, however, that the information provided by the user shall be managed in accordance with the Company's Privacy Policy.

In the event that a contract is processed through the linkage of accounts on other sites, the contract may be executed after the User's account is authenticated through lawful authentication procedures. If the User executes the contract in such a manner, it is deemed that the User agrees to the terms and conditions of this service, the privacy policy, and the receipt of marketing content provided by the Company.

If the User has completed the procedures for obtaining specific rights to use the paid services, the User will be able to use the services immediately upon the Company's confirmation of the relevant payment approval information, and the User will be able to use all services and features corresponding to the paid license level from the relevant payment date until the period for obtaining rights.

6. Establishment of Creator Agreement

The Creator Agreement shall be automatically established between the Company and a User who agrees to the terms and conditions of the "Creator Service" provided by the Company and completes the Creator application process.

The Creator Agreement shall be based upon the establishment of the Service Use Agreement under Article 5.

Other Creator-related matters shall be governed by the "Creator Terms and Conditions." For detailed information, please refer to [Creator Terms and Conditions].

7. Restrictions on Use of Service Account

In principle, users who have entered into a contract pursuant to Article 5 shall be permitted to use the service account; provided, however, that the Company may withhold or refuse such approval until the relevant grounds are resolved in accordance with each of the following items. Furthermore, if the Company determines that you have created an account in violation of the conditions specified in each item, it may immediately suspend or delete such account or impose other appropriate restrictions.

Where the Company has deleted your account in accordance with these Terms and Conditions, detailed guidelines, or other rules outside the Terms and Conditions;

Where you attempt to create an account using another person's name, email address, or other personal information;

Where the necessary information is not entered or false information is entered when creating a service account;

Where the ID used to create an account is information that can identify an individual and is likely to infringe on privacy;

Where an act is found to be in violation of the terms and conditions, content licensing policy, etc. designated by the Company;

Where the ID and name cause disgust to others or are contrary to public morals;

Where the ID is identical to the name of the Company or the Company's services, operators, etc., or there is a risk of confusion or misidentification.

Where there is no practical capacity available in the service provision facilities following account creation;

Where it is determined that there are technical issues affecting service provision;

Where the Company deems it necessary to impose financial or technical limitations.

Where a user who has been subject to measures such as suspension of account qualifications by the Company voluntarily terminates the account contract and applies for re-use during the period of such measures.

Other cases where reasonable restrictions on account use are necessary in the judgment of the Company.

Chapter 3. Use of Services

8. Technical Requirements for Use of Services

The Company provides you with the Services and specifies the [Recommended Specifications for Service Use] that allow you to normally use the Services. Your technical environment for using the Services must meet the [Recommended Specifications for Service Use] set forth in Paragraph 1 of this Article to enable normal use of the Services. If the User uses the Services in an environment that does not meet such specifications, the User may not raise any complaints or objections regarding the Services.

Recommended Specifications for Service Use

• PC: Multi-core processor, 8GB RAM, 1920 x 1080 resolution display
• Network environment: Network with bandwidth of at least 100MB
• Access browser: Chrome/Edge/Naver Whale

9. Use of Account Services

The services provided by the Company through the tooldi Service Account Agreement are as follows.

Provision of email account ID: The Company provides an email account ID to users whose account contract has been approved. In principle, the user email account ID is a unique value assigned to you and therefore cannot be changed. If it is necessary to change it due to unavoidable circumstances, the User must terminate the relevant email account ID and proceed with the re-subscription procedure.

Login: The User can use the member authentication service by entering the User's account and password on the login screen of this service and linking your account.

Single Sign-On (SSO): With a single login made in a web browser, the User can use the website information acquisition and editor in the form of an automatic access service without additional login.

Use of Services Based on Account Permissions: The Company provides account-specific authorization services for use of the Services. The User may use the Services within the scope of permissions assigned to the User's account, and the user may request changes to user's permissions at any time through designated procedures. Paid license acquisition procedures are conducted according to permissions, and users who have not completed such procedures may not demand that the Company provide paid permission functionalities.

The Company provides the following account management services through account agreements.

The Company provides password entry and additional identity verification procedures to prevent unauthorized use of the User's tooldi account by others. If unauthorized use is discovered, please notify the Company through the Customer Service Center for the Services, and the Company will provide you with guidance on methods to prevent unauthorized use.

The User may view and modify the User's executed account information through the account settings screen within the website of the Services; provided, however, that certain information necessary for service management, such as email addresses, telephone numbers, device identification numbers, and other identity verification information, may not be modifiable, and additional identity verification procedures may be required when making modifications.

The User is the sole rightsholder to this Service Account and may not permit any other person to use your Account. You must directly manage your password to prevent unauthorized use of your Account by others. The Company shall not be liable for any problems arising from the User's failure to timely update the User's account information.

10. Use of Website

The services provided by the Company through the tooldi website are as follows.

tooldi Content: The User can access the tooldi content provided by the Company through the website. The Company provides a service that allows the User to search for and access the type of tooldi content you desire, and the user may utilize the provided content according to your requirements. Content is provided in both paid and free formats, and the purchase and use of paid content is conducted through subscription services, immediate payment, and point-based purchases.

Use of Editor: Designs tailored to the User's needs can be created using the provided tooldi editor. New designs can be created in various ways, from creating designs using tooldi content, i.e., finished templates, to creating designs using figures, lines, illustrations, etc. The produced designs can be extracted/converted into various forms such as SNS sharing and downloads; provided, however, that the Company shall not be liable for copyright violations resulting from the production of content, and the account owner from whom the content was created shall be responsible. For more details, please refer to the Content License Policy.

Creator Service: Upon obtaining Creator Account rights, you can upload Creator Content, such as complete templates, creative elements, and creative photos, to the tooldi Service. Creator Content can be uploaded in both paid and free formats, and you can earn revenue by receiving various forms of rewards. Through the follow function, you can become a popular creator or belong to a highly recognized team or group of creators. You can increase your own value and generate more revenue. Creator Content is provided to the Service and the Editor in the form of templates/elements/photos, and the copyrights of such content are jointly managed by the Company and the Creator. For more information, please refer to the Content License Policy and Creator Terms and Conditions.

Pro Service (Regular Subscription Service): To maximize the utilization of the tooldi Service, the Pro Service, a regular subscription service, is provided. The Pro Service allows unlimited use of paid content registered with tooldi, and provides ample storage and unlimited number of template tasks. It provides expanded tooldi services and functions by providing convenient automatic payment services at a reasonable price.

The Company provides content management services.

The Company values all designs you create. Therefore, the Company stores all content the User creates in a database and provide a service that allows you to immediately extract and use it from the storage allocated to each account.

The Company provides page screens for each account so that the User can check the content the User has produced. Accordingly, you can check the content of the materials you have created or are in the process of creating on the relevant page. Production and deletion are freely conducted within the allocated storage, and content produced for your revenue generation is provided with differentiated screens and UI/UX so that you can manage them separately.

However, a separate storage function is provided within the Editor for content management, and the Company does not separately manage content that you have not saved. In such cases, the User may not request the Company to restore and compensate for the unsaved content, and the Company shall bear no legal obligation in this regard.

In order to provide the User with better services, the Company may display various notifications, management messages, and other advertisements related to the use of the Services on the website screen or send them to your email. In the case of transmitting advertising information, it shall be sent only to users who have consented to receive marketing communications at the time of account registration.

11. Hours of Use and Change/Suspension of Services

The Company shall use its best efforts to provide the Services 365 days/24 hours without interruption; provided, however, that in the following cases, the Company may restrict or suspend all or part of the Services without prior notice, and if the restriction or suspension of the Services is scheduled for a date or specific time determined by the Company, the relevant details shall be notified to the User in advance through the Website.

In cases of regular or temporary inspections for the maintenance and repair of tooldi service facilities;

Where the Company conducts service inspections or infrastructure expansion or replacement work to improve the user experience of the tooldi Service;

Where the normal use of the service is hindered due to power outages, equipment failures, or a surge in the number of service users.

Where a service attack occurs due to DDoS or data hacking;

Where the Company is unable to maintain the Services due to various circumstances of the Company, including government orders/regulations.

Where there are force majeure circumstances, such as natural disasters or national emergencies;

12. Restrictions on Use of Services

The Company may restrict or suspend the use of services for the relevant account in the following cases.

Where the Service is used using another person's account;

Where the Service is used for unlawful purposes;

Damaging the reputation of others or causing disadvantages to others;

Where elements that undermine public morals (obscenity, incitement to discrimination, child abuse, animal abuse, defamation, defamation of a specific person, violence, crime, illegal act, gambling, infringement of personal information, acts that cause discomfort, etc.) are inserted in the User Content and are exposed to the Service;

Where the service is used for purposes that violate relevant laws and regulations, such as the Information and Communications Act and the Juvenile Protection Act;

Where the User uses the Services in violation of the terms and conditions of the Services, the Content License Policy, the Creator Terms and Conditions, the Creator Operation Policy, and other matters prescribed by the Company.

If you are using an account with paid license rights assigned through periodic payment (hereinafter referred to as "Subscription"), you may use all permitted features within the Service; provided, however, that if you cancel the Subscription, restrictions on the use of Subscription Service features shall take effect from the day following the expiration of the paid license period for the relevant account.

Chapter 4. Obligations of the Parties to the Contract

13. Company's Obligations

The Company shall have the obligation to provide the Services in a manner that enables smooth utilization thereof from the time the User expresses the User's intention to use the Services and enter into the contract.

The Company shall exercise its best efforts to procure infrastructure and content for the continuous and stable operation of the Services, and in the event that any disruption occurs in the procurement of infrastructure and content, the Company shall undertake repairs and restoration without delay.

The Company discloses and complies with its Privacy Policy to protect the valuable personal information the User provides.

If the Company determines that your opinions or complaints are reasonable for improving the use of the Services, it shall reflect and implement improvements through appropriate procedures; provided, however, that if immediate improvement processing is not possible, it shall notify the User of the reasons and processing schedule.

14. User's Obligations

The User shall not engage in any of the following acts while using this Service. If such acts occur, the Company may take lawful measures (such as account suspension or contract termination) against the relevant account.

Entering false information when applying for or changing the use of the Services, stealing or unlawfully using another user's account and password, using another person's name, or performing mobile phone authentication, etc. without the permission of the holder of the name;

Damaging the reputation of others or causing discomfort or disadvantage to others;

Posting obscene materials on the website or linking to obscene websites;

Infringing on the copyrights or other rights of the Company or a third party;

Copying, purchasing, or utilizing paid content through illegal means;

Distributing to others information, text, graphics, audio, images, or other content that violates public order and good morals;

Registering or distributing computer virus-infected materials that cause malfunction of equipment related to this Service or destruction and disruption of information;

Intentionally interfering with the operation of this Service or transmitting information that may undermine stable operation, system integrity, or security stability, and transmitting advertising information or spam emails contrary to the recipient's explicit refusal to receive such communications.

Copying, modifying, distributing, selling, transferring, lending, providing as collateral, or permitting others to use the Services or any part of the software included therein without the Company's consent, and reproducing, disassembling, imitating, or otherwise modifying the Services, including reverse engineering the software or attempting to extract source code.

Impersonating another person or falsely representing a relationship with another person;

Collecting, storing, or disclosing personal information of other members;

Distributing false information with the intent to provide financial benefit to oneself or others or to cause harm to the Company or others;

All business activities aimed at acquiring commercial profits by using the Services without the prior consent of the Company.

Distributing information that facilitates prostitution or mediates obscene acts;

Interfering with the daily life of the public or other parties by continuously transmitting to the Services or to others words, sounds, images, writings, pictures, or videos that induce shame, disgust, or fear;

Transmitting or posting information (including computer programs) that is prohibited from transmission or posting under relevant statutes;

Impersonating or falsely representing employees or operators of the Company or its affiliates, or sending posts, comments, emails, messenger messages, etc. using another person's name.

Posting or sending by email or messenger messages materials containing software viruses or other computer codes, files, or programs designed to interfere with or destroy the normal operation of computer software, hardware, or telecommunications equipment.

Exploiting bugs that occur in the service (website or editor).

Acquiring any illegal authority, such as obtaining a paid license through abnormal means.

Creating User Content that infringes upon another person's patents, trademarks, trade secrets, copyrights, or other intellectual property rights and transmitting, posting, or distributing such Content to others through the Services.

Any and all other unlawful acts.

You must directly manage the account ID and password assigned to you as a Member. The Company shall not be liable for any issues arising from your negligence in management, and no separate objections may be raised.

Should you fail to comply with applicable laws and regulations, the Company's terms and conditions, or licensing policies, the Company may investigate your violations and may temporarily or permanently suspend your use of the Services or impose restrictions on re-registration.

You may not transfer or donate the right to use the Services or other status under the Use Agreement to another person, nor provide it as collateral, without the express consent of the Company.

If you produce User Content, you must not infringe on the intellectual property rights of a third party in accordance with the Content Licensing Policy of this Service. For more information, please refer to the Content Licensing Policy.

15. Protection of Personal Information

The secure processing of the User's personal information is one of the Company's most important responsibilities. The User's personal information will be used only for the purposes and within the scope to which the User has consented for the smooth provision of services. Unless required by law or unless the User provides separate consent, the Company will never disclose the User's personal information to third parties.

16. Notice and Public Announcement to Users

The Company values the exchange of opinions with the User. The User may visit the tooldi Customer Center website at any time to express the User's opinions. For matters that materially affect the User, the Company shall provide individual notice by sending an email to the email address associated with the contracted account or by sending a text message (SMS) or messenger message to the User's registered mobile phone number.

Chapter 5. Management of User Information, Contents, etc.

17. Management of User Information

The User account information you have entered into with the Company is stored in the Company's infrastructure; provided, however, that in the case of passwords, you can be assured that they are processed and stored as security information.

All responsibility for the management of the user account ID and password shall be borne by the owner of the relevant account. The Company uses the user ID as the email recorded at the time of registration. Therefore, Users cannot arbitrarily change the user ID, and the default setting is configured to send the Company's notices and advertisements to the registered email address.

The Company may provide Users with various information deemed necessary for the use of the Services through screens within the Services, email, text messages, and other methods.

The Company may request, store, and manage additional personal information with the consent of Users for the purposes of adding services, improving services, and introducing services to Users.

18. Management of Content

The Company may delete, move, or refuse to register any of the following User Content, posts, or other materials without prior notice.

Where it is determined that the User produces and distributes User Content in violation of a third party's intellectual property rights (patent rights, trademark rights, portrait rights, trademarks, service marks, business rights, trade secrets, etc.);

Where the content seriously insults or damages the reputation of other users or a third party;

Where information, images, design elements, text, diagrams, etc. that violate the Juvenile Protection Act are posted or links are provided;

Where the content exposes minors to inappropriate or harmful material or that there is intent to harm or exploit;

Where it is deemed to be involved in or contribute to a crime or illegal act;

Where the content includes information that discriminates against others on the basis of race, religion, gender, sexual orientation, age, disability, country of origin, etc.;

Where it is deemed to be in violation of other relevant laws and regulations.

If User Content created by the User is uploaded to this Service, such Content shall be stored and managed as Creator Content in the Company's infrastructure database. The uploaded Creator Content shall be recognized as legitimate creative work and stored and managed unless otherwise specified in Paragraph 1 of this Article. If it becomes necessary to delete, move, or modify such Content due to unavoidable circumstances, the User who created such Content shall be given prior notice at the contact information registered by such User, and the Company may delete, move, or modify such Content after providing such notice.

If adjustments to the number of stored templates are necessary due to changes in the number of active template tasks, only the most recent content that is permissible as of the date and time of such change shall be preserved. All other content shall be deleted at the Company's discretion.

If adjustment of stored files is required due to a change in storage allocation capacity, only the most recent files within the permissible capacity as of the date and time of such change shall be preserved. All other content shall be deleted at the Company's discretion.

Example: Upon termination of Pro Service subscription

Accounts with uploaded files of 1GB or more: Immediately upon termination of the Pro service, the allocated storage capacity shall be reduced from a maximum of 10GB to 1GB, and any remaining content from existing stored files, excluding the most recent content within the permitted capacity, shall be deleted at the Company's discretion.

Accounts with uploaded files less than 1GB: Immediately upon termination of the Pro service, the allocated storage capacity shall be reduced from a maximum of 10GB to 1GB, and no content shall be deleted at the Company's discretion.

Where content owned by a Creator is included in User Content, the content of such User Content may be modified as a result of deletion or modification of the relevant Creator content.

19. Management of History Data

The Company shall separately manage history data for each account based on user activities. The management and retention periods for history data displayed on the Service and directly accessible to users are as follows.

Point purchase history: One year after purchase;

Payment history for the purchase of paid content and products: One year after purchase;

Payment history of regular subscriptions: One year after purchase.

Creator Reward payment history: One year after payment.

Creator settlement history: One year after settlement.

The historical data presented above is managed separately from the contents contained in '5. Destruction of Personal Information' in the Privacy Policy.

20. Copyright

The copyright of all design elements (finished templates, illustrations, photos, bitmap images, diagrams, lines, charts, text art, etc.) provided through this service shall belong to the Company. The User shall have the right to use the design elements provided by the Company for creations carried out through the editor, but the User may not resell the combined image elements in the form of specific elements or components, and may not use them for revenue-generating activities through other online services and offline.

User content produced using this service may be distributed online, such as on the Internet or mobile devices, or produced and used as printed materials, and no copyright issues will arise, including for commercial use, unless it violates the content license.

If the Creator Content (images, complete templates, design elements, etc.) registered on this Service infringes on the copyrights of others, the relevant content shall be deleted without separate notice. In addition, the legal responsibility for the relevant content shall be borne by the user who performed the act of uploading, and even if the relevant content is used by others and violates the Copyright Act, all legal responsibility shall be borne by the user who registered the relevant content, not by the Company.

The copyright of User Content, Generative AI Content, and Creator Content created using the Service Editor is fundamentally held by the Company and the ownership account of the relevant content. If it is determined that the copyright of the User Content registered by a specific user on the Service has been infringed by another person or other users, please report it or contact the Customer Center, and the Company will endeavor to handle it promptly.

The copyright of content integrated with this service in third-party form shall be governed by the copyright regulations of the content provider or content providing company.

Chapter 6. Use of Paid Services

This Chapter contains provisions relating to paid services provided by tooldi (subscription services, content and product purchases, etc.). The following provisions in this Chapter shall apply collectively to all paid services provided by tooldi.

21. Notice of Paid Service Content

The Company shall display the content of paid services in a manner easily recognizable to users, such as on web service screens or payment screens.

In addition, the Company shall display the following information related to paid services in a manner that is easily comprehensible to users.

• Name or title of the paid service
• Contents and methods of use of paid services, usage fees, amounts, payment methods, etc.
• Information related to refunds after payment for paid services

The Company's paid services are based on the specifications recommended by this Service, and the Company cannot actively resolve any inconvenience caused by the use of devices that do not meet the recommended specifications. Furthermore, the Company shall not be liable for any monetary loss incurred therefrom.

In providing paid services, the Company shall provide matters regarding the conditions and procedures for exchange/return/refund/guarantee of paid services (see Chapter 7 of these Terms and Conditions).

22. Paid Services and Paid Service Users

The Paid Services shall commence from the time the Company accepts the User's application for the use of the Paid Services (in the case of some services, from the designated date notified in advance after receipt of the application for use); provided, however, that if the Company is unable to commence the Paid Services due to technical reasons or other circumstances, the Company shall notify the User in advance.

If a user applies for the "Paid Services," the Company shall notify the relevant user of the details of the application for use.

This Service provides the following "Paid Services" and may add or change the contents of the Services depending on the Company's circumstances and other conditions.

Regular payment (subscription service): A service where the user automatically pays the usage fee on a monthly or annual basis and the usage period is automatically renewed through a payment method registered in advance or newly registered by the user to use the Pro functions of this Service.

Point Purchase: The method of purchasing 'points' distributed within the Service by making a payment to purchase 'paid content' provided by the Service.

Brokerage transaction service: A brokerage commission transaction method that occurs when a third party earns profits using the "paid service" provided by the Company, and the method of using brokerage transactions shall be in accordance with the guidance in Chapter 8 "Use of brokerage services" provided in these Terms and Conditions.

If the paid content supply contract between the author and the Company for paid content stored by the user on the My Page is terminated or if it is found that the relevant content violates the licensing policy, the usage rights for such content may be changed, resulting in the user no longer being able to use or download such content. However, in the event of such changes, the Company shall provide information regarding the changed content without delay.

In the event that the use of the "Paid Services" for each account is terminated, all content data, including content obtained by the relevant account through the paid services, shall be stored and deleted in accordance with Chapter 5 of these Terms and Conditions regarding the management of member information, content, and other information.

23. Contract for Use of Paid Services

A contract for the use of paid services between the Company and the User shall be established when the User who has agreed to these Terms and Conditions applies for the use of the paid services and the Company accepts such application (the point at which the indication of 'purchase/payment completed, etc.' of the paid services is displayed to the User in the procedure).

The Company shall provide the following information so that the User can accurately understand the use of the Paid Services and make payments and transactions without errors or mistakes.

Information related to regular payments (subscription services)

The period of use of the regular payment (subscription service) is divided into monthly and annual, and the regular payment occurs regularly on the purchase date of each month or year.

Example of using monthly regular payment (subscription service): If payment is made on the 15th, the next regular payment date is the 15th of the following month.

Example of using annual regular payment (subscription service): If payment was made on January 15, 2021, the next regular payment date is January 15, 2022.

If the subscription service contract is executed on a date that does not exist in the following month (e.g., 31st, etc.), the regular payment will be made on the last day of the following month.

Payment will be automatically made on the relevant date, and a notification message will be sent through the registered information (email, SMS, messenger) after payment.

Information on refunds for paid services

Please refer to Chapter 7 "Refund Policy" of these Terms and Conditions for the relevant information.

In the event that any reason arises that prevents the Company from performing the "Member's Obligations" set forth in Article 14 of Chapter 4 "Obligations of the Contracting Parties" of these Terms and Conditions, the Company may refuse or withhold approval for the application to use the "Paid Services", and the previously approved Paid Services may be terminated.

The User may provide all necessary information when applying for the use of the Paid Services. In such cases, the User shall provide information that corresponds to the User's current circumstances, and shall provide the Company with the selection of the payment method for the Paid Services that the User intends to use and the accurate payment information necessary for the selected payment method.

If the relevant matters in the preceding paragraph are changed, the User shall notify the Company of the changes without delay in accordance with the procedures established by the Company, and the Company shall reflect such changes without delay.

Users may utilize "paid services" through payment methods designated by the Company, and may use "points" and "coupons" issued through various promotions or events, or gift certificates issued by the Company and third parties to purchase content, products, subscription services, etc.

The Company may establish transaction limits, such as monthly cumulative payment amounts per user and payment limits, for the transaction amounts of users utilizing paid services in accordance with internal policies and changes in external payment providers (PG companies, banks, credit card companies, etc.) and other applicable laws and regulations. If a user seeks to utilize paid services beyond the transaction limits established by the Company, additional use of paid services may be unavailable due to exceeding such transaction limits.

In the event that relevant content is deleted or processed for reasons unrelated to the user after purchasing paid content and cannot be used, the user may submit a refund request to the Company. In such cases, the refund shall be processed in accordance with the method designated by the Company.

The timing of provision of products offered by the Company may vary without prior notice depending on whether each copyright holder has granted permission for use.

Promotional points provided to and held by the User from the Company shall not be refunded in cash, and if the User terminates the membership agreement or becomes subject to restrictions on 'Member' status, such points shall be immediately deleted. Points provided through promotions shall automatically expire thirty (30) days from the date of provision; provided, however, that the point retention period may be modified depending on the nature of the promotion.

24. International Payment Services

Payment Methods and Currency

The Company may provide international payment APIs (e.g., PayPal, WeChat Pay, Alipay, etc.) and credit card payment services (e.g., VISA, MASTER, JCB, AMEX, etc.) for Subscribers residing outside of Korea or holders of international payment methods.

In principle, all payments are calculated based on Korean Won (KRW). However, prices may be displayed in foreign currencies, such as U.S. Dollars (USD), depending on the platform settings.

The actual billed amount may differ from the price displayed on the Website due to exchange rates and policies of the Subscriber's card issuer, bank, or payment gateway (PG). The Company is not liable for any such discrepancies and shall not provide any compensation for exchange rate differences.

In the case of point payment or direct payment for templates or elements, no refund shall be made even if the user does not directly use the relevant content.

Fees and Responsibilities

All fees arising from international payments, including but not limited to currency conversion fees, foreign transaction fees, and payment gateway service fees, shall be charged according to the policies of the Subscriber's payment method issuer and the platform. These fees shall be borne entirely by the Subscriber.

The Subscriber is solely responsible for any payment failures resulting from exceeded credit limits, declined transactions, expired payment methods, or any other causes attributable to the Subscriber.

International Shipping and Customs (for physical goods, etc.)

For products shipped internationally, taxes and duties—including customs duties, Value Added Tax (VAT), and customs clearance fees—may be imposed in accordance with the laws of the destination country.

As a general rule, all such duties and taxes are the responsibility of the recipient (Subscriber). If a product is returned because the Subscriber refuses to pay customs duties, the Company may issue a refund after deducting round-trip shipping costs and production expenses, or may refuse a refund entirely. (This is because custom-made products cannot be resold).

The Company shall not be held liable for any shipping delays caused by customs clearance, incorrect recipient information, or local courier circumstances, unless such delays are due to the Company's intentional misconduct or gross negligence.

Security and Fraud Detection

To prevent unauthorized use or fraudulent transactions, the Company may request additional identity verification or supporting documentation from the Subscriber when necessary.

The Company reserves the right to hold or cancel any transaction suspected of being fraudulent or irregular. The Company shall not be liable for any service delays or inconveniences resulting from such actions.

Chapter 7. Refund Policy

This chapter contains information regarding refund criteria related to the use of paid content arising from the use of tooldi services. Please review this information prior to using paid content.

25. Refund Procedures

The usage period and refund eligibility period for charged points provided by the Service shall be limited to within one year from the date of payment.

Point refund: Application for refund → Confirmation in accordance with the point purchase refund policy → Approval of refund → Performing the refund procedure with the financial institution → Refund after deducting the fee → Completion of refund.

Refund for regular payment (subscription service): In the case of regular payment (subscription service), a refund is possible through payment cancellation; provided, however, that the refund amount following payment cancellation shall be in accordance with Article 26 (Refund Policy for Regular Payment (Subscription Service)).

In the case of point payment or direct payment for templates or elements, no refund shall be made even if the user does not directly use the relevant content.

26. Refund Policy for Points

This is a refund policy related to general payments used for purchasing points within the tooldi service. Detailed information is provided in the table below.

• ※ Credit card company authorization cancellations shall be processed in accordance with each credit card company's payment cancellation policy. In the event of return processing, please contact the credit card company.
• ※ In the case of bank transfers without passbook and real-time account transfers, processing shall be conducted in accordance with the bank's cancellation and refund policy. In the event of return processing, please contact the respective bank.
• ※ For transactions conducted via account transfer or virtual account, fees may apply. Such fees shall be determined at amounts designated by the payment gateway company.

27. Refund Policy for Regular Payments (Subscription Services)

This is the refund policy following the cancellation of Pro Service subscription payments. The details are as set forth in the table below.

If you have any inquiries regarding the cancellation and refund of recurring payments (subscription services), please contact [cs@tooldi.com] with your account information and the reason for your request! We will review and process your request immediately.

• ※ Credit card authorization cancellations are processed in accordance with each credit card company's payment cancellation policy. In the event of a chargeback, please contact your credit card company.
• ※ For bank transfers and real-time account transfers, processing will be conducted in accordance with each bank's cancellation and refund policy. In the event of a chargeback, please contact the respective bank.

28. Refunds for International Payments

General Refund Policy: The following policies apply to all cancellations and refunds for transactions made via international payment methods.

Cancellations and refunds for international payments are processed in accordance with the policies and procedures of the respective payment gateway (e.g., PayPal) and the Subscriber's card issuer.

Please be advised that international refunds may take significantly longer than domestic transactions, typically requiring 2~4 weeks for the credit to appear on the Subscriber's statement.

Any losses resulting from exchange rate fluctuations between the time of payment and the time of refund (Exchange Rate Loss) will not be reimbursed by the Company.

Foreign transaction fees or service charges previously imposed by the Subscriber's payment issuer will not be refunded, unless the refund is necessitated by a cause solely attributable to the Company.

Certain international payment methods may not support partial refunds due to technical limitations of the payment provider.

In such cases, the refund may be processed by cancelling the original transaction in its entirety and requiring a re-payment for the adjusted amount, or through other methods separately designated by the Company.

29. General Provisions Relating to Refunds

The Company may amend the refund policy to the extent that it does not violate relevant laws and regulations, including the Act on the Regulation of Terms and Conditions and the Act on Electronic Commerce and Consumer Protection. In addition, the express agreements commonly applicable to the refund policies designated by the Company are as follows.

The expiration period for recharged points is 5 years from the date of purchase. Points that have reached their expiration date shall automatically lapse in accordance with the commercial statute of limitations under the Commercial Act.

Points held by an account whose service agreement has been terminated shall automatically lapse upon termination of the agreement.

Refund approval shall not be granted where the account cannot be used or where the service cannot be used due to the user's fault.

Points or coupons granted free of charge by the Company in connection with marketing, events, promotions, etc. shall not affect refunds.

The Company may deduct financial transaction fees, taxes, and public charges when processing refund transactions. Refund fees shall be determined at the amount designated by the payment gateway provider.

The Company reserves the right not to implement the refund policy if a User violates applicable laws or these Terms of Use, and may accordingly refuse such User's refund request.

Chapter 8. Use of Brokerage Services

30. Types and Use of Brokerage Services

The brokerage services provided by the Company include general transactions, agreed transactions, etc. The types and contents of brokerage services may be added or changed according to the Company's policies.

The Company shall notify the characteristics, procedures, and payment methods of each transaction through the service screen depending on the type of brokerage service. Users shall fully understand the matters regarding each transaction notified by the Company in advance and use the brokerage service.

Users may access the brokerage service provided by the Company through their ID and password, and may sell or purchase content using such service; provided, however, that the authority to sell content shall vest in accounts granted Creator rights in accordance with the method designated by the Company. The Company shall provide notice of such rights and restrictions on the relevant service screen.

When a User sells or purchases content through the brokerage service, the transaction must be completed through the payment service provided by the Company. The Company shall not be liable for any issues arising from direct payments between Users. Additionally, if a report of direct payment is received, the User may be subject to restrictions on use of the Service.

31. Suspension and Restriction of Use of Brokerage Services

For the safety and reliability of transactions through the brokerage service, the Company may suspend a User's Creator rights and membership status in accordance with these Terms and Conditions, impose restrictions on use of the Service, and take other additional necessary measures. A User whose rights have been revoked may not use Tooldi's content brokerage service, and all uploaded content shall belong to the Company and may not be used by the individual. The Company shall provide notice of the characteristics, procedures, and payment methods of each transaction through the service screen according to the type of brokerage service. Users shall fully understand the matters regarding each transaction as notified by the Company in advance and shall use the brokerage service accordingly.

When the Company suspends membership, restricts use of the sales/purchase services, or takes other necessary measures, the Company shall provide prior notice to the user by telephone, email, or other means, unless these Terms and Conditions specifically provide otherwise. However, where the Company determines that expeditious action is required, it may take action first and provide notice thereafter. Users may object to the Company's measures, and the Company may rescind such measures if it determines that the user's objection is justified.

Chapter 9. Termination of Use Agreement

32. Termination of the Use Agreement

If the User no longer wishes to use the tooldi service, the User may apply for termination of the use agreement at any time using the menu provided within the service, and the Company will promptly process such application in accordance with applicable laws and regulations.

If there is no record of the User's login or access to use the tooldi service during the period prescribed by law, the Company may destroy the User's account information after providing notice by email, text message, or messenger message to the User's registered email address or mobile phone number, or by other valid means, and if the essential information for using the tooldi service becomes insufficient as a result thereof, the use agreement may be terminated without separate notice.

Upon termination of the use agreement, all data shall be deleted or transferred in bulk, except for specific information of the relevant account that must be retained in accordance with applicable laws and regulations and the personal information processing policy. Additionally, information generated from the User's account activities (history information, cookie information, stat points, etc.) and service usage data shall be deleted in bulk.

In the case of an account with ongoing recurring payments (subscription service), upon termination of the use agreement, the recurring payment (subscription service) shall be suspended and related service usage rights shall be immediately terminated, even if the subscription service usage period remains based on the applicable date.

Upon termination of the Use Agreement, any remaining points held by the relevant account shall revert to the Company, and rewards granted for Creator activities shall be forfeited.

In the case of a Creator Account, upon termination of the Use Agreement, the copyright and usage rights to content uploaded by the relevant Account shall vest in the Company. Furthermore, all unsettled Rewards shall be separately maintained in a state where settlement applications are not possible, and in such cases, the Creator shall not be entitled to claim rights to such Rewards.

Even if the Use Agreement is terminated, the User may apply to the Company for the conclusion of a new Use Agreement; provided, however, that the User cannot claim any rights or ownership with respect to all terminated accounts that the User previously owned.

33. Damages and Disclaimer

The Company makes no specific agreements or warranties regarding any particular matters not specified in these Terms and Conditions in connection with the Services, to the extent permitted by applicable law. Furthermore, the Company makes no warranties as to the reliability, accuracy, or other aspects of information, materials, or facts posted on the Services by Content Providers, Content Provider Companies, or Users through preparation or upload, and shall not be liable for any damages you incur that occur without the Company's fault.

If you suffer damages due to the Company's fault, the Company shall compensate you for such damages in accordance with these Terms and Conditions and applicable laws and regulations; provided, however, that the Company shall not be liable for the following damages that occur without the Company's fault. In addition, the Company shall not be liable for indirect damages, special damages, consequential damages, disciplinary damages, and punitive damages to the extent permitted by law.

Where the Service cannot be provided due to natural disasters, DDOS attacks, IDC failures, line failures of telecommunications carriers, or other similar force majeure events.

Where there is an impediment to the use of the service due to a cause attributable to you.

Personal damages incurred in the course of accessing or using the Services.

Damages caused by a third party illegally accessing the Company's services or using the infrastructure equipment.

Damages caused by a third party transmitting or disseminating malicious programs

Damages caused by the omission, deletion, destruction, etc. of transmitted data, and damages caused by a third party in the course of using the service, such as defamation

Other damages caused by reasons not attributable to the Company's intention or negligence.

Damages incurred due to the suspension of services conducted by the Company due to unavoidable reasons such as repair, replacement, regular inspection, construction, etc. for the improvement of services

If damage occurs due to an error in the device (PC, smart device, etc.) you use, or if there is a problem in your network environment.

The Company shall not be liable for any damages caused by materials obtained by you while using the Services. Furthermore, the Company shall not be liable to compensate for any mental or material damages suffered by you from other users while using the Services.

The Company shall not be obligated to intervene in any dispute arising through the Services between users and third parties, and shall not be liable for any damages arising therefrom.

34. Dispute Resolution

These Terms and Conditions or the Services shall be governed by and construed in accordance with the laws and regulations of the Republic of Korea. If a dispute arises between the Company and the User in connection with the use of the Services, the Company will consult in good faith to resolve such dispute. Notwithstanding the foregoing, if such dispute cannot be resolved, the User may file a lawsuit with the court having jurisdiction under the Civil Procedure Act.

If any matter not specified in these Terms and Conditions is prescribed by relevant laws and regulations, such relevant provisions shall apply.

Last Updated December 10, 2025

Effective as of: December 17, 2025