Paid Service Terms

Language notice

This English text is a courtesy translation of the Korean original. The Company is established in the Republic of Korea and these terms are governed by Korean law. If there is any discrepancy between the Korean and English versions, the Korean version prevails, except where the English version is more favourable to the user, in which case the more favourable text applies.

The three things that matter most (summary)

This summary is provided for ease of understanding. Your actual rights and obligations are set out in the articles below. Where the summary and an article differ, whichever is more favourable to you applies. 1. You may generally withdraw your purchase within 7 days. Withdrawal is in principle restricted for the portion whose delivery you started yourself by tapping "Start analysis", but as at the effective date of these Terms the Company has not yet implemented the statutory pre-purchase measure (a free preview), so that restriction does not apply and you may withdraw within 7 days regardless of whether you executed the item (Article 7(4-1)). For divisible products, you may withdraw the portion that has not been delivered at any time. 2. Where you request a refund depends on how you paid. In-app purchases through the Apple App Store or Google Play are handled by those stores; card, bank transfer and other PG payments are handled directly by the Company (Articles 5 and 8). If a store refuses your refund, the Company will refund you directly where the statutory conditions for withdrawal are met (Article 8(4)). 3. The subscription renews automatically and is not cancelled merely by deleting the app. Cancellation methods and pro-rata refunds are set out in Articles 6 and 9. The Company charges no penalty or damages for withdrawal or cancellation.

Article 1 (Purpose)

These Terms govern the conditions of use, fees, payment, withdrawal of subscription and refunds for the paid services offered in the Bok mobile application and related services operated by Flotic LC. (the "Company"), and set out the rights, obligations and responsibilities of the Company and users.

Article 2 (Definitions)

(1) "Paid Service" means AI-assisted document analysis and drafting support, the Pass (subscription), registered-mail support and any other paid item displayed on a payment screen. (2) "Payment" means the user's payment of a sum through a payment method designated by the Company. (3) "Content" means analysis outputs, application PDF drafts, data viewing rights and similar outputs produced through a Paid Service. (4) "PG (payment gateway)" means the electronic payment settlement agent designated by the Company. The Company does not currently use a payment gateway; payment for Paid Services is made solely by the in-app purchase described in (5) below. If the Company introduces PG payment, the name of that payment gateway will be shown on the payment screen and in these Terms. (5) "In-app purchase (IAP)" means payment made through the in-app payment system of the Apple App Store (Apple Inc.) or Google Play (Google LLC). For IAP, billing, collection and the review and execution of refunds are performed by the relevant store operator. (6) "Pass" means the recurring monthly Paid Service that renews automatically. It constitutes a "continuing transaction" under the Act on Door-to-Door Sales, Etc. (7) "Commencement of delivery" means the moment at which generation of the output for a given item actually begins because the user performed an express execution action in the app, such as tapping "Start analysis" or "Unlock".

Article 3 (Fees and service details)

Fees follow the single standard used by the in-app payment and receipt system. All amounts are final amounts payable and include value-added tax (VAT). Before payment, the Company displays the total amount, the billing cycle, whether the item renews automatically, and how to cancel. 1. Precision analysis and drafting package (one-off) - Fee: KRW 2,900 - Includes: automated analysis logic and generation of an application PDF draft - Re-access: the output may be viewed again at no additional cost within 24 hours of payment, for the same application item. 2. Registered-mail support (one-off) - Base fee: KRW 7,600 (up to 10 pages) - Additional: KRW 100 per page from the 11th page - Nature: this is an agency fee and disbursement for the postal registered-mail procedure and is charged separately from the analysis package. 3. Pass (monthly recurring, auto-renewing) - Monthly fee: KRW 4,900 (family group of up to 4 people including the subscriber) - Billing cycle: renews automatically each month from the date of first payment. - Benefits: one free precision analysis coupon per month; 50% discount on further packages once the coupon is used; approximately 20% discount on registered-mail support - Usage caps: caps such as a combined maximum of 30 lookups per month per family group may apply, and are disclosed in advance on the payment screen and in the app. 4. Changes to fees Where the Company intends to increase a fee or convert a free item to a paid one, it will, in accordance with Article 21-2 of the Act on Consumer Protection in Electronic Commerce, Etc., give advance notice of the price before and after the change, the effective date, and the conditions, method and effect of withdrawing consent, and will charge the changed amount only after obtaining the user's consent. Users who do not consent keep the previous fee or have auto-renewal stopped.

Article 4 (AI disclosure and limits of liability)

(1) Prior disclosure of artificial intelligence — In accordance with Article 31 of the Framework Act on the Development of Artificial Intelligence and the Establishment of a Basis for Trust, the Company discloses that the analysis results, summaries and draft application wording provided in the Paid Services are operated and generated using generative artificial intelligence. The Company labels such outputs, on the results screen and in generated documents, as having been generated by generative AI. (2) The Service is an information and drafting-support service based on artificial intelligence. The Company does not guarantee that any benefit or subsidy will be paid, nor the outcome of any administrative review, and does not act for or replace any government body, local authority or public institution. (3) Final review and submission of all documents is the user's responsibility, and a decision by the competent authority prevails over any analysis produced by the Service. (4) Registered-mail support assists with postal lodgement based on the information entered by the user. The Company is not liable for failed delivery or return caused by the user's incorrect entry (address, recipient, etc.), absent intent or negligence on the Company's part. However, where delivery fails due to a cause attributable to the Company, such as a system error or transmission omission, the Company refunds the full fee for that item and takes the steps necessary to re-send. (5) Nothing in this Article excludes or limits the Company's liability for damage caused by its intent or negligence, any exclusion that is void under the Act on the Regulation of Terms and Conditions, or any user right recognised by applicable law.

Article 5 (Payment routes)

Payment for Paid Services takes one of two routes, and the refund channel and the party that processes the refund differ depending on the route. Users can see which route applies on the payment screen and in their payment history. A. In-app purchase (IAP) — Apple App Store / Google Play - Billing and collection: Apple Inc. or Google LLC (and their designated affiliates) - Receipts: issued by the relevant store - Authority to review and execute refunds: the relevant store. The Company has no technical ability to cancel or refund a store transaction from its own systems. - Authority to cancel a subscription: exercised by the user in the store's subscription management screen - The Company's role: providing usage records, delivery-commencement status and other information needed for the store's review, and cooperating with the store. The Company does not oppose legitimate refund requests before the store. B. PG payment — card, bank transfer, simple payment, etc. - Billing and collection: the Company (through an electronic payment settlement agent) - Receipts and cash receipts: issued by the Company - Authority to review and execute refunds: the Company - Channel: the Company's customer support (email and telephone) If it is unclear which route was used, the Company will check on request, tell the user, and direct them to the correct channel. If a user misses a store's refund window because the Company was slow to advise, the Company refunds directly under Article 8(4).

Article 6 (Automatic renewal and cancellation of the Pass)

(1) Automatic renewal — Unless cancelled, the Pass renews automatically each billing cycle (monthly) and the fee is charged to the registered payment method. (2) Advance notice — Before each renewal date, the Company notifies the user of the upcoming renewal, the amount to be charged and how to cancel, by in-app notification, email or similar means. (3) How to cancel — Users may cancel at any time, and cancellation is no more complex than sign-up. 1. If you subscribed through PG payment: submit a cancellation request to customer support (email hello@floticinfo.com or phone +82-10-4831-4686). The Company processes it upon receipt and notifies you of the outcome; requests are accepted 24/7. Where an in-app Pass management screen is provided, you may also cancel immediately there. 2. If you subscribed through in-app purchase: you must cancel in the relevant store. · iOS: [Settings] → [Apple Account] → [Subscriptions] → Bok → [Cancel Subscription] · Android: Google Play → [Profile] → [Payments & subscriptions] → [Subscriptions] → Bok → [Cancel subscription] (3-1) Important — Deleting the app or closing your account does not cancel a store subscription. An in-app purchase subscription must be cancelled separately in the store screens above; otherwise the next cycle's fee continues to be charged. The Company displays this on the payment screen and the Pass management screen. (4) Effect of cancellation — Billing stops from the next renewal. Access for a period already paid for continues until that period ends; refunds on early cancellation are governed by Article 9. (5) The Company charges no penalty or damages for cancelling the Pass, withdrawing a purchase or stopping automatic renewal.

Article 7 (Withdrawal of subscription)

(1) General rule — Under Article 17(1) of the Act on Consumer Protection in Electronic Commerce, Etc., a user may withdraw within 7 days of receiving the written document (including electronic documents) setting out the contract terms, or, where supply occurs later, within 7 days of receiving or of supply commencing. (2) When withdrawal is restricted — Under Article 17(2)5 of the same Act, where the user has personally performed the "commencement of delivery" action defined in Article 2(7) and delivery of the content for that item has begun, withdrawal of that portion is not available against the Company's will. (3) Divisible content — undelivered portions may always be withdrawn — Under the proviso to that subparagraph, for Paid Services that can be divided into several items or instalments (for example unused coupons, unexecuted items within a multi-item package, or Pass periods that have not yet begun), the user may withdraw in respect of any portion whose delivery has not commenced. (4) Conditions for relying on the restriction (the Company's duties) — Under Article 17(6) of the same Act, the Company may rely on the restriction in paragraph (2) only if it has taken all of the following measures. For any Paid Service where it has not, the user may withdraw within the period in paragraph (1) notwithstanding paragraph (2). 1. Clearly indicating, on the payment screen and on the screen immediately preceding the "commence delivery" button, that withdrawal will be restricted once the action is performed; 2. Providing a free preview (sample output) before payment. Where a preview is impracticable for a given Paid Service, providing specific information before payment about the type, format, length and delivery method of the content. (4-1) Current status — important — As at the effective date of these Terms, the Company has not yet implemented the measure in paragraph (4)2 (a free preview or equivalent pre-purchase information). Accordingly, until that measure is implemented and notified on the payment screen, the restriction in paragraph (2) does not apply even where the user has performed the "commence delivery" action, and the user may withdraw within 7 days under paragraph (1). The Company will give advance notice, in these Terms and in the app, of the fact and date on which that measure takes effect. (5) Exception — performance differing from what was advertised or agreed — Under Article 17(3) of the same Act, where a Paid Service differs from the indication or advertisement, or is performed differently from the contract, the user may withdraw notwithstanding paragraph (2) within 3 months of supply, or within 30 days of learning or being able to learn of the fact, and the Company bears the associated costs. This includes server failures, failed analysis, outputs that are not generated, and material errors attributable to the Company. (6) On withdrawal in respect of a service or digital content, the user is under no obligation to return content already received (proviso to Article 18(1) of the same Act). (7) The Company claims no penalty or damages by reason of withdrawal and takes no step that obstructs withdrawal (Articles 18(9) and 21-2 of the same Act).

Article 8 (How refunds are processed, by payment route)

(1) PG payments — The Company refunds sums already received within 3 business days of confirming the withdrawal or refund ground (Article 18(2) of the Act on Consumer Protection in Electronic Commerce, Etc.). For digital content the period runs from the day the user withdrew. If refund is delayed, the Company also pays delay damages at 15% per annum as prescribed by the Enforcement Decree of that Act. 1. Credit and debit cards: the Company requests cancellation of the authorisation; the time at which the cancellation is reflected depends on the card issuer's procedures. 2. Bank transfer and simple payment: paid into the account designated by the user. 3. Portions paid with coupons or accrued benefits: restored in the same form. (2) The Company deducts no amount of any kind — payment gateway fees, system usage fees, operating costs or otherwise — from a refund made on withdrawal. (The clause providing for deduction of "PG fees and system usage fees" in the terms in force before August 8, 2026 has been deleted and is not applied even to payments made before that date.) (3) In-app purchases — Refunds are reviewed and executed by the relevant store. Users should apply through: - Apple App Store: reportaproblem.apple.com, or [Settings] → [Apple Account] → [Media & Purchases] → [Purchase History] - Google Play: Google Play order history, or the refund request form in Google Play Help On request, the Company promptly provides the payment date and time, the product, whether delivery commenced and other information required for the review, and does not oppose legitimate refund requests before the store. (4) Direct refund by the Company where a store refuses (subsidiary responsibility) — A store's refund policy does not displace the user's statutory right of withdrawal against the Company. Accordingly, where the conditions in Article 7 are met but the store refuses a refund or its application window has passed, the user may apply to the Company's customer support, and the Company will refund directly on the basis set out in paragraph (1) (3 business days, no deduction), irrespective of its settlement position with the store. The user should submit evidence of the refusal (such as the store's reply screen); if that is impracticable, the Company verifies the store transaction itself. (5) Channels — Refund requests may be submitted through [Settings] → [Customer Support] in the app, by email (hello@floticinfo.com) or by telephone (+82-10-4831-4686). The Company does not require any particular channel and notifies users of receipt and of the outcome. (6) Minors — A payment made by a user under 19 without the consent of their legal representative may be cancelled by the user or that representative under Article 5 of the Civil Act. On such a request the Company verifies the relationship and refunds the full amount. For in-app purchases the Company refunds directly under paragraph (4). (7) Detailed refund procedures and worked examples are published separately in the Refund Policy.

Article 9 (Early cancellation of the Pass and calculation of refunds)

The Pass is a continuing transaction, so users may cancel at any time during the contract period (Article 31 of the Act on Door-to-Door Sales, Etc.). (1) Where no benefit has been used — the full fee for that billing cycle is refunded. (2) Where some benefits have been used — the Company deducts the value of the benefits actually used from the sum received and refunds the balance. Value is calculated as follows, and in no case will the Company charge more than the amount already paid for that cycle. - Precision analysis package used with a free coupon: KRW 2,900 per item - Discounts applied: the difference between the list price and the amount actually paid - If total deductions equal or exceed the amount paid: no refund - If total deductions are less than the amount paid: the difference is refunded (3) Penalties — The Company charges no penalty for early cancellation of the Pass. (4) Pro-rata refunds — Where no benefit has been used but ancillary Pass features such as lookups have been used, the Company refunds the amount corresponding to the remaining days, calculated pro rata, applying whichever method is more favourable to the user. (5) Interruption attributable to the Company — If the Pass service is interrupted for reasons attributable to the Company, the Company refunds the full amount for the remaining period and compensates the user for loss suffered. (6) Early-cancellation refunds for a Pass taken out by in-app purchase follow the order in Article 8(3) and (4); if the store does not process it, the Company refunds directly.

Article 10 (Retention of outputs and preservation of transaction records)

(1) Retention of outputs — Analysis outputs generated through a Paid Service are retained for re-access for 24 hours from commencement of delivery, in line with privacy and server operation policy, and are destroyed thereafter. (2) Users should download outputs as PDF or otherwise and keep their own copies within the 24-hour window. The Company gives in-app notice before expiry. (3) The Company is not liable for loss of outputs after the retention period. However, where re-access was impossible within the 24 hours because of a Company system failure, the Company regenerates the output or refunds the full fee for that item. (4) Preservation of transaction records (separate from paragraph (1)) — Distinct from the retention of outputs, the Company preserves the following transaction records under Article 6 of the Act on Consumer Protection in Electronic Commerce, Etc. and Article 6 of its Enforcement Decree, and users may request access to them. - Records of contracts and withdrawal of subscription: 5 years - Records of payment and supply of goods or services: 5 years - Records of consumer complaints and dispute resolution: 3 years - Records of indications and advertisements: 6 months These records do not include the body of any output; they are limited to the items required by law, such as payment, withdrawal and processing history.

Article 11 (Consumer redress and dispute resolution)

(1) The Company receives and handles complaints and redress requests concerning the Paid Services through customer support. (2) Disputes between the Company and users are handled by reference to the Consumer Dispute Resolution Criteria published by the Korea Fair Trade Commission under the Framework Act on Consumers. Where those criteria and these Terms differ, whichever is more favourable to the user applies. (3) Where a dispute cannot be resolved by agreement with the Company, users may apply for mediation to: - Korea Consumer Agency counselling centre: 1372 (ccn.go.kr) - Korea Fair Trade Commission: ftc.go.kr - Content Dispute Resolution Committee: kcdrc.kr (4) Matters not provided for in these Terms are governed by the Act on Consumer Protection in Electronic Commerce, Etc., the Act on the Regulation of Terms and Conditions, the Act on Door-to-Door Sales, Etc., the Content Industry Promotion Act, other applicable law and commercial practice. (5) If any provision of these Terms is void for breach of applicable law, the remaining provisions remain effective and the void provision is replaced by the relevant statutory provision.

Article 12 (Business information)