Terms of Service

These Terms of Service set out the conditions of use and operational matters for the services of “Fincatch” (the “Site”).

The main terms used in these Terms are defined as follows.

① Member: a person who agrees to the Site’s terms, provides personal information and registers as a member, thereby entering into a use agreement with the Site and using the Site.

② Use agreement: the agreement entered into between the Site and a member in connection with use of the Site.

③ Member ID (“ID”): a unique combination of letters and numbers assigned to each member to identify the member and enable use of the services.

④ Password: a combination of letters and numbers chosen by the member to confirm that the member matches the assigned ID and to protect the member’s rights and interests.

⑤ Operator: the operator who opens and runs the website on the service.

⑥ Termination: a member’s cancellation of the use agreement.

The Operator may separately announce operating policies where necessary, and where these Terms and an operating policy overlap, the operating policy prevails.

① The use agreement is formed when a person wishing to register as a member and use the Site agrees to these Terms and applies for membership, and the Operator accepts the application.

② A person wishing to register as a member and use the services expresses agreement to these Terms by reading them and selecting “I agree” below when applying to join the Site.

① A user wishing to register as a member and use the Site must provide the information requested by the Site (user ID, password, nickname, etc.).

② A member who does not register genuine information, such as by misappropriating another person’s information or registering false information, may not assert any rights in connection with use of the Site and may be punished under applicable law.

The Site and the Operator do not hold the password among the personal information provided at registration, and related matters are governed by the Site’s privacy policy.

The Operator endeavors to protect members’ personal information, including registration information, as prescribed by applicable law.

The protection of members’ personal information is governed by applicable law and the privacy policy established by the Site.

However, the Operator bears no responsibility for information exposed due to causes attributable to the member.

If a member registers or distributes unlawful posts, such as posts that offend public morals or threaten national security, the Operator may inspect the member’s data and submit it to the relevant authorities upon their request.

① Where the Operator finds that an opinion or complaint raised by a member is justified, the Operator shall handle it as quickly as possible. However, where prompt handling is difficult for personal reasons, the Operator shall do its best, such as by posting a notice afterwards or sending the member a message or e-mail.

② To provide the Site continuously and stably, the Operator may require the Site to repair or restore equipment without delay when it breaks down or is lost. However, in the event of natural disasters or unavoidable circumstances on the part of the Site or the Operator, operation of the Site may be temporarily suspended.

① Members must comply with these Terms, the rules, notices and operating policies set by the Operator and announced by the Site, and applicable law, and must not engage in conduct that interferes with the Site’s business or damages the Site’s reputation.

② Without the express consent of the Site, members may not transfer or gift their right to use the services or any other status under the use agreement to a third party, nor offer it as collateral.

③ Users must take reasonable care in managing their ID and password, and may not allow a third party to use their ID without the consent of the Operator or the Site.

④ Members must not infringe the intellectual property rights of the Operator, the Site or third parties.

① In principle, services are available 24 hours a day, year-round, unless there are special business or technical obstacles. However, the Site may temporarily suspend services on days or at times it designates for regular system inspection, expansion or replacement, and scheduled suspensions will be announced in advance on the Site’s homepage, so please check regularly.

② However, the Site may temporarily or permanently suspend services without prior notice in the following cases.

1. Where unavoidable due to construction work such as repair of service facilities

2. Where a member interferes with the Site’s business activities

3. Where normal use of the service is impeded by a power outage, failure of facilities, or a surge in usage

4. Where there is a national emergency, natural disaster or other force majeure

③ In the event of a service suspension under the preceding paragraph, the Site will notify members in advance through notices and the like. However, where advance notice is impossible for a suspension caused by circumstances beyond the Site’s control, notice will be given afterwards.

① A member wishing to terminate the use agreement with the Site must apply for deregistration online in person. Termination of the use agreement with the Site must be carried out separately from ceasing to use the Site.

② Upon application for termination, the Site-related programs provided by the Site are automatically deleted from the member management screen, and the Operator can no longer view the applicant’s information.

Members must not engage in any of the following conduct. Where a member does so, the Site may restrict the member’s use of services and take lawful measures, and may terminate the use agreement or suspend services for a set period.

1. Fraudulently using another member’s ID

2. Conduct intended for, or otherwise related to, a criminal act

3. Conduct that offends public morals or social order

4. Defaming or insulting others

5. Infringing the intellectual property or other rights of others

6. Hacking or distributing computer viruses

7. Continuously transmitting advertising or other content to others against their will

8. Any conduct that disrupts, or may disrupt, the stable operation of the service

9. Altering information posted on the Site without authorization

10. Any other conduct that violates applicable law

① The Operator is responsible for managing and operating the Site’s posts and materials. The Operator shall continually monitor for inappropriate posts and materials, and upon discovering or receiving a report of such content, shall delete it and caution the member who registered it.

Members are themselves responsible for the posts they upload, and must not post content that violates these Terms.

② Where a public body such as the Information and Communication Ethics Committee requests corrective action, the Operator may delete or move posts without the member’s prior consent.

③ The criteria for inappropriate posts are as follows.

1. Content that severely insults or defames other members or third parties

2. Content that distributes or links to material contrary to public order and morals

3. Content that encourages illegal copying or hacking

4. Advertising for commercial purposes

5. Content objectively recognized as connected with a crime

6. Content that infringes the copyright or other rights of other users or third parties

7. Any other content judged to violate applicable law

④ Where the Site or the Operator receives a request from a third party to take down a post on grounds of defamation or infringement of intellectual property or other rights, the Site may temporarily suspend the post (suspend transmission), and shall follow any lawsuit, settlement or equivalent decision by a relevant authority between the requester and the poster that is filed with the Site.

If the Site Operator is compelled to discontinue the Site for unavoidable reasons, the Operator will notify members in advance and endeavor to take all measures to make transferring posts easy.

① Copyright in posts that a member uploads to the Site belongs to the member who posted them. The Site may not use posts commercially without the poster’s consent, except for non-commercial purposes, and holds the right to display them within the service.

② Members may not use materials posted on the service commercially, such as by processing or selling information obtained through the service.

③ Where the Operator judges that content a member posts or registers on the Site falls under any item of Article 12, the Operator may delete, move or refuse to register it without prior notice.

① Primary civil and criminal liability for anything arising on the Site rests with the member.

② The Site does not compensate for damage suffered by a member that results from force majeure such as natural disasters or from the member’s intent or negligence.

① The Operator is exempt from liability where a member fails to obtain the benefits expected from the Site’s services, or for damage arising from the member’s selection or use of service materials.

② The Operator is exempt from liability for failures of the Site’s service infrastructure or of telecommunications services provided by other carriers, and damage related to the Site’s service infrastructure is governed by the Site’s Terms of Service.

③ The Operator bears no responsibility whatsoever for materials stored, posted or transmitted by members.

④ The Operator is not liable for service disruptions caused by reasons attributable to the member.

⑤ The Operator is not liable for any activity between members, or between members and third parties, whether inside or outside the service (including data transmission and other community activity).

⑥ The Operator is not liable for the authenticity, reliability or accuracy of materials posted or transmitted by members or of any materials members may receive through the Site.

⑦ The Operator is not liable for any damage arising from transactions of goods or the like conducted between members, or between members and third parties, through the service.

⑧ The Operator is not liable for any dispute arising between members, or between members and third parties, without cause attributable to the Operator.

⑨ The Operator is not liable for damage to members caused by system failures that may occur without intent or gross negligence in the course of managing, inspecting, repairing or replacing servers and other equipment or operating software, system failures caused by third-party attacks, the spread of computer viruses for which no countermeasures have been developed by reputable domestic or international research institutions or security companies, or other force majeure beyond the Operator’s control.