Terms and Conditions

Notice Date: July 22, 2025

Effective Date: July 22, 2025

Article 1 (Purpose)

These Terms and Conditions (“Terms”) set out the rights, obligations, responsibilities, and other necessary matters of members or users in connection with the use of the Wissly (Wissly) AI services operated by Stephow Co., Ltd. (the “Company”).

Article 2 (Effect and Amendments)

1. Effect: These Terms are posted on the Wissly AI website or otherwise announced and become effective for members who agree to them.

2. Amendments: The Company may amend these Terms to the extent not in violation of applicable laws. If amended, the Company will, in principle, notify members via service notices at least 7 days before the effective date; if the amendments are unfavorable to members or are material, the Company will clearly compare the before/after versions and notify members individually (to the account email, by SMS to the registered mobile number, or by push notification) at least 30 days prior to the effective date.

3. Deemed Consent: If the Company clearly states that failure to express refusal by 7 days after the effective date will be deemed consent and the member does not express refusal, the amended Terms are deemed accepted. A member who does not agree may terminate the service agreement.

Article 3 (Scope of Application)

These Terms apply by default to the services provided by the Company. If a particular service has separate terms or policies, such terms or policies prevail for that service.

Article 4 (Definitions)

Terms used herein are defined as follows; terms not defined herein follow general practice.

1. Service: Services available to members on the Company’s Wissly AI service.

2. Member: Any user (enterprise) that concludes a service agreement with the Company and uses the Service.

3. Non-member: A user who uses certain services without concluding a service agreement; the Company may differentiate services between members and non-members.

4. Email: The email address selected by the member for identification and service use.

5. Password: A combination of letters or numbers set by the member for identity verification.

6. Paid Service (Plan): Services for which a member pays a fee. The Company may issue online usage rights under names such as “Plan,” with methods separately indicated on the site.

7. Fees: Charges for use of basic and additional features provided through the Service.

8. Payment: Paying the Company or a designated third party, via various payment methods, an amount to use Paid Services (Plans).

9. Content: All materials used via the Service by a member, including documents, images, links, files, or combinations thereof.

10. Tuning: Updating parameters of a previously trained model by adding training data specialized for a domain or task.

11. Token: A sub-word unit obtained by segmenting a word during model processing.

12. Parameter: A setting (model parameter) that affects generated results.

13. Prompt: Input required to perform a task.

14. API (Application Programming Interface): An interface enabling applications to control functions provided by an operating system or programming language.

Article 5 (Formation of Service Agreement)

1. Formation: The agreement is concluded when a user applies for membership after agreeing to the Terms on the sign-up screen and the Company accepts. Paid services may be provided under separate contracts with enterprises.

2. Grounds for Refusal/Restriction: The Company may refuse membership, suspend services, terminate the agreement, or take appropriate restrictive measures if any of the following apply: the applicant previously lost membership under these Terms; the applicant uses another person’s email, steals another person’s account or password, uses another’s identity, or receives an account by transfer; false information is provided or required fields are omitted; a person under 14 pays for paid services; approval is impossible due to the member’s fault or other violations of requirements; the applicant is deemed unsuitable under Company policy or service provision is difficult; the purpose or method of use infringes or is likely to infringe the Company’s property or business rights; IDs are created in bulk by abnormal methods; there is no realistic spare capacity in service facilities; technical issues exist for provision; the Company deems it financially/technically necessary; a member under suspension unilaterally terminates during the suspension and re-applies; or the service is intended for unlawful use.

3. Notice of Refusal: If the Company defers, refuses, or later terminates due to the user’s fault, it shall notify the user.

4. Time of Formation: The agreement is formed when the Company indicates completion in the sign-up process.

5. Identity Verification: Depending on member type, the Company may conduct identity verification via professional agencies.

6. Withdrawal: A member may request withdrawal at any time, and the Company will process it without delay.

7. Changes to Member Information: If registration details change, the member must update them on the website or notify the Company via 1:1 inquiry, etc.

8. Liability for Failure to Notify: The Company is not liable for disadvantages resulting from failure to notify changes under paragraph 7.

Article 6 (Protection of Personal Information)

To safely protect members’ personal information, the Company operates a Privacy Policy in compliance with the Act on Promotion of Information and Communications Network Utilization and Information Protection and/or the Personal Information Protection Act and all relevant privacy laws. See the Privacy Policy for details.

Article 7 (Member Account and Personal Information Management)

1. ID/Password Management: Members must manage their IDs and passwords; all losses and liabilities arising from negligence rest with the member. Members must not provide them to others; if stolen or used by a third party, the member must immediately notify the Company and follow instructions.

2. Duty to Notify Changes: If personal information provided at sign-up or subscription changes, the member must notify the Company and request modification; the Company is not liable for damages caused by failure to request modification.

3. Measures for Violations: If a member fails to comply with laws or any Company terms/policies, the Company may investigate, temporarily or permanently suspend use, or restrict re-registration.

4. Sanctions for Abuse: If abuse recurs, the Company may take legal action as needed; the member will be given 30 days to provide an explanation, and if no justifiable reason is provided, the Company may delete the registration and terminate rights.

Article 8 (Company Obligations)

The Company shall maintain appropriate security systems for safe use and comply with applicable laws related to operation and maintenance, including the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Protection of Communications Secrets Act, and the Telecommunications Business Act.

Article 9 (Plan Fees)

1. Payment of Fees: Members shall pay fees for Paid Services (Plans) at the rates specified on the “Pricing & Use Guide” page or in a separate agreement.

2. Measures for Non-payment: If payment is not completed on the due date due to the member’s fault, the member must pay immediately. Failure to pay by the deadline may result in suspension of the service from the following day and the imposition of late fees at the rate prescribed by applicable laws.

Article 10 (Payment and Settlement Methods)

Fee payment and settlement methods follow the separately executed agreement.

Article 11 (Refunds)

Withdrawal of subscription and refunds are handled under applicable laws including the Act on Consumer Protection in Electronic Commerce and the Content Industry Promotion Act, and under the separate agreement. A member may withdraw within 7 days from the start date of the paid service contract under applicable laws. If the member wishes to terminate after 7 days from contract execution, the member shall notify the Company, which will proceed with termination upon confirmation. If the member uses a monthly paid service and terminates, the Company charges any arrears and the fee for the current month. If the member uses an annual paid service and terminates despite a remaining term, the Company charges unpaid amounts and the current month’s fee and additionally charges, as liquidated damages, the discounted amount received up to the termination date plus 10% of the remaining term’s fees; VAT is not imposed on the liquidated damages. Formulas: (1) Discount received during use = (contracted seats) × {months used × (monthly-plan unit price − annual-plan unit price)}. (2) 10% of remaining term fee = {(contracted seats) × (annual-plan unit price) × (remaining months)} × 10%.

Article 12 (Credits)

1. Calculation: Credits are calculated based on amounts paid and are non-transferable and not refundable in cash.

2. Validity: Credits are valid for one year from issuance and expire upon account deletion or contract termination.

3. Use: Credits may be used only for basic service fees and not for amounts of a compensatory nature such as liquidated damages or late fees.

Article 13 (Overcharges)

1. Refund Principle: If an overcharge occurs due to the Company’s fault, the Company refunds the full amount regardless of contract costs or fees. If due to the member’s fault, the member bears reasonable costs of refund in accordance with applicable laws.

2. Burden of Proof: If the Company refuses a refund claimed by a member, the Company bears the burden to prove the charge was legitimate.

3. Procedure/Criteria: Refunds of overcharges are handled under applicable laws including the Act on Consumer Protection in Electronic Commerce, the Content Industry Promotion Act, and the Content User Protection Guidelines (Ministry of Culture, Sports and Tourism Notice No. 2021-16, effective Mar. 10, 2021).

Article 14 (Cautions for Service Use)

To ensure safe use by all members, the Company may take appropriate measures such as service suspension, termination, or re-registration restrictions in the following cases, and, if deemed illegal, may report to investigative authorities depending on severity: providing false information or stealing others’ data at sign-up, on profile change, or plan purchase; collecting or using others’ accounts or information without authorization; impersonating the Company, its operators, or employees or stealing related information; altering posted information; infringing the trade secrets, copyrights, patents, or other rights of the Company or third parties; disclosing or posting obscene, violent, or otherwise offensive content; assigning, gifting, leasing, or pledging service rights or contractual status to third parties; reselling the Service for commercial purposes; providing illegal programs, obstructing operations, illegal communications or hacking in violation of the Network Act, distributing malware, exceeding access authority, or other violations of law; other illegal acts or interference with normal operation.

Article 15 (Service Suspension and Changes)

1. Temporary Suspension: The Company may temporarily suspend services when inspections, replacements, failures, communication disruptions, force majeure, national emergencies, intractable technical issues, or other substantial operational reasons arise. The Company will announce this in advance via notices, or if prior notice is impracticable, notify without delay after recovery.

2. Effects of External Data Changes: Service data are sourced from publicly available external data or through purchase contracts with analysis media and are managed/used in compliance with the Copyright Act, Personal Information Protection Act, and the Framework Act on the Promotion of Data Industry and Utilization. Accordingly, if external data change, service content may change or be discontinued from time to time. Such changes may not be pre-notified; however, if deemed unfavorable to members, the Company will provide individual notice by email or other means.

Article 16 (Provision of Information and Advertising)

1. Provision/Consent: The Company may provide various information deemed necessary for service use to the member using the registration information (as initially provided or later updated) via email, SMS, or phone. For for-profit advertising information, prior consent is obtained. Members may opt out at any time.

2. Essential Information: Even if a member opts out of all information under paragraph 1, the Company may provide, via email notifications, etc., information essential to service use or important information that members must be aware of, and the member agrees to receive such information.

Article 17 (Content Policy)

1. Copyright/Responsibility: Copyright and responsibility for content linked within the Service by members belong to the providing members.

2. Measures for Violations: If linked content violates applicable laws such as the Network Act or infringes third-party intellectual property or other rights, the Company may suspend linkage or take appropriate measures; any civil/criminal liability arising therefrom lies with the member, and the Company bears no liability absent intent or negligence.

Article 18 (IP Rights in Company Services)

1. Ownership: Copyrights, patent rights, trademarks, and other IP rights in postings created by the Company belong to the Company. Members shall not, without prior consent, reproduce, transmit, publish, distribute, broadcast, or otherwise use, or allow third parties to use, information obtained through the Service.

2. Brand Use Restriction: These Terms do not grant any right to use the trade name, trademark, service mark, logo, domain name, or other distinctive brand features of the Company or the Service.

3. No Crawling/Unauthorized Use: Except as expressly permitted under a separate contract, crawling, scraping, caching, accessing, or mirroring the content served by the Company (e.g., posts), or any attempt thereof, is prohibited; the Company may block accesses related to such prohibited acts at its sole discretion.

4. No Commercial Resale: Members shall not commercially resell content served by the Company.

Article 19 (Termination of Agreement)

1. By Member: A member may request termination at any time; final termination is completed upon admin approval.

2. Separate Contracts: For members under separate contracts, termination is handled per that contract, and penalties or other disadvantages may apply.

3. Data Handling: Upon termination, linked content is automatically disconnected and related data are deleted after a period in accordance with Company policy.

Article 20 (Damages)

1. Disclaimer of Warranties: To the extent permitted by law, the Company makes no warranties regarding matters not expressly set forth herein. The Company does not warrant the reliability or accuracy of information, materials, or facts posted on the Service by content providers (CPs) or members and is not liable for damages to members absent Company negligence.

2. Liability/Limitations: If a member suffers damage due to the Company’s negligence, the Company will compensate in accordance with these Terms and applicable laws. Absent willful misconduct or gross negligence, the Company is not liable for damages arising from: force majeure or equivalent events; member fault; personal damages during access/use; illegal access to or use of servers by third parties; interference with transmissions to or from servers by third parties; transmission or distribution of malware by third parties; omission, deletion, destruction of transmitted data; defamation or other damages arising in the process of third-party use; or other causes not attributable to the Company. To the extent permitted by law, the Company is not liable for indirect, special, consequential, disciplinary, or punitive damages.

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Article 21 (Governing Law and Dispute Resolution)

These Terms and the Service are governed by the laws of the Republic of Korea. Disputes arising between the Company and members in connection with service use may be brought before the court of competent jurisdiction under the Civil Procedure Act.