Terms of Service
Article 1 (Purpose)
These Terms of Service (the "Terms") govern the use of the Bok mobile application and related services (the "Service") provided by Flotic LC. (유한회사 플로틱, the "Company"), and define the rights and obligations of the Company and Members.
Article 2 (Definitions)
"Company" means the operator identified in the in-app business disclosure. "Member" means a person who agrees to these Terms and uses the Service. "App" means the Bok mobile application and any web interfaces the Company provides for the same purpose.
Article 3 (Effect and changes)
(1) These Terms take effect when posted in the App or otherwise made available to Members. (2) The Company may amend these Terms within the limits permitted by the Act on the Regulation of Terms and Conditions, the Act on Consumer Protection in Electronic Commerce, Etc. and other applicable law. Amendments, with their effective date, are announced in the Service at least 7 days in advance (at least 30 days in advance where the change is unfavourable to Members or otherwise material) and are also notified to the contact details the Member has registered. (3) When giving that notice the Company expressly states that a Member who does not respond within the period will be deemed to have accepted. Where such notice has been given and the Member neither expressly objects before the effective date nor stops using the Service afterwards, the Member is deemed to have accepted the amended Terms. (4) A Member who does not accept an amendment may terminate the agreement before the effective date and will suffer no disadvantage for doing so. (5) Amendments favourable to Members may take effect immediately after notice, and in that case apply, to the extent more favourable, to agreements concluded under the previous Terms.
Article 4 (Formation of the agreement)
The service agreement is formed when a person completes signup or starts using the Service in the manner specified by the Company and accepts these Terms.
Article 4-2 (Member account security)
① Members shall keep their ID and password (or, for social login, the relevant account credentials) confidential and prevent disclosure to third parties. ② Members are responsible for losses arising from negligent safeguarding of account credentials or unauthorized use by third parties, and the Company is not liable except where attributable to the Company.
Article 5 (Refusal of signup)
The Company may refuse or delay approval where signup information is false, the Service cannot be provided technically, the applicant violates law or these Terms, or other reasonable grounds exist.
Article 6 (Nature of the Service)
① The Service helps Members discover public welfare information and prepare applications. ② The Company processes and presents data from external agencies and does not warrant that information is complete or up to date. Eligibility, benefit amounts, application outcomes, and related matters are determined by the competent administrative authorities. The Company does not exercise public authority on behalf of government bodies or replace official channels. ③ The Company does not guarantee agencies' final decisions and, unless at fault, is not liable for disputes between Members and third parties (including agencies).
Article 7 (Change, suspension, or termination)
① The Company may modify, suspend, or discontinue part or all of the Service for operational, technical, or legal reasons. Where material, notice will be given in the App unless urgent or impossible. The Company is not liable for events beyond its reasonable control. ② Where unavoidable (e.g. natural disasters, system failures, partner circumstances, legal or policy changes), the Service may be suspended temporarily without prior notice; notice will follow without undue delay thereafter. ③ Unless applicable law provides otherwise, the Company has no separate obligation to compensate for changes to or termination of free services. ④ The Company may conduct scheduled maintenance for stable operation of the Service; the Service may be unavailable during such periods. Scheduled maintenance times will be announced in the Service in advance.
Article 8 (Automated intelligent services and disclaimer)
(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 Service's welfare information guidance, document recognition (OCR), eligibility analysis and drafting features are operated on the basis of generative artificial intelligence, and that it labels outputs generated by AI as such, on the results screen and in generated documents. (2) The Service includes artificial intelligence features that provide analysis, inference and summarised information based on data collected or linked through public and private data APIs. Overseas transfers of personal information for AI processing are disclosed in section 3-2 of the Privacy Policy, and Members may refuse them under that section. (3) The Company strives for accuracy; however, due to technical limitations, guidance may differ from the facts or data may be misinterpreted. All outputs are reference material only and have no legal or administrative effect. (4) Nature of automated analysis — Any indication of likely eligibility or suitability produced by the Service is guidance for reference and is not a final decision. Actual eligibility, amounts and outcomes are determined by the review and decision of the competent authority, and a negative result does not restrict a Member's right to apply. Under Article 37-2 of the Personal Information Protection Act, Members may request an explanation of, refuse, or seek human review of automated analysis (Privacy Policy, section 8-2). (5) Members must verify information against the official notices of competent authorities. Absent intent or negligence on the Company's part, the Company is not liable for administrative or economic disadvantage or other direct or indirect loss arising from reliance on in-app information without independent confirmation. (6) For free welfare guidance chat (including the in-app welfare Q&A), the Company may impose a daily usage cap per account or device for service stability and external API cost management. Caps and changes to them are announced in the app in advance and do not affect the scope of the paid services.
Article 9 (Use of paid services)
① The Company may provide Members with paid services (including analysis based on automated intelligent services and membership). Fees and payment methods are governed by the separately posted "Paid Service Terms" and the payment screen. ② A paid service agreement is formed when the Member agrees to the "Paid Service Terms" and completes payment. ③ Payment is made through payment methods and payment gateway (PG) providers designated by the Company; management of Members' payment information follows applicable laws and the Privacy Policy.
Article 10 (Withdrawal and refunds)
(1) Under Article 17 of the Act on Consumer Protection in Electronic Commerce, Etc., Members may as a general rule withdraw within 7 days. Withdrawal may be restricted under Article 17(2)5 for a portion whose delivery has commenced because the Member personally performed an execution action; even then, withdrawal remains available in respect of portions not delivered and where performance differs from the indication, advertisement or contract. (2) The conditions, procedures and detailed criteria for refunds are governed by Articles 7 to 9 of the Paid Service Terms and by the Refund Policy. (3) The refund channel differs according to the payment route. 1. In-app purchases (Apple App Store, Google Play): the authority to review and execute refunds rests with the relevant store, so Members apply to that store. The Company supplies the information needed for the review and does not oppose legitimate refund requests. 2. PG payments (card, bank transfer, simple payment, etc.): the Company receives, reviews and refunds directly. (4) A store's refund policy does not displace the statutory right of withdrawal that Members have against the Company. Where the conditions in paragraph (1) are met but the store refuses a refund or its application window has passed, the Member may apply to the Company's customer support and the Company will refund directly. (5) The Company claims no penalty or damages by reason of withdrawal or termination, and deducts no amount of any kind — payment gateway fees, system usage fees or otherwise — from a refund. (6) The Pass renews automatically, and deleting the app or closing an account does not cancel a store subscription. Cancellation methods are set out in Article 6 of the Paid Service Terms.
Article 11 (Member obligations)
Members shall provide accurate information, comply with law and these Terms, not infringe third-party rights, not misuse or reverse-engineer the Service, and not use the Service for unlawful purposes including fraud.
Article 12 (Restrictions and termination)
(1) The Company may restrict or terminate access if a Member breaches these Terms or abuses the Service, following applicable procedures; where urgent action is needed, notice may follow. (2) Members may terminate the agreement at any time through in-app settings, and the Company processes this without delay in accordance with applicable law. Termination is no more complex than sign-up, and the Company does not delay it or require a particular channel. (3) Upon termination, information is deleted without undue delay except where retention is required by law or the Privacy Policy. (4) Important — Closing your account or deleting the app does not cancel an Apple App Store or Google Play subscription (Pass). Members with an active subscription must cancel separately in the relevant store's subscription management screen before closing their account; otherwise the next cycle's fee continues to be charged. The Company gives notice of this during the account-closure flow, and where a Member is charged unfairly because that notice was omitted, the Company refunds directly under Article 8(4) of the Paid Service Terms. (5) A Member may object to a restriction or termination imposed by the Company through customer support, and the Company will notify the outcome of its review and the reasons within 14 days of receipt. Unless the termination was for reasons attributable to the Member, the Company refunds the amount corresponding to any remaining paid service.
Article 13 (Customer support and disputes)
(1) For payments, refunds or service errors, contact customer support. The Company handles requests in accordance with the Act on Consumer Protection in Electronic Commerce, Etc., the Electronic Financial Transactions Act (where applicable), the Framework Act on Consumers and the Consumer Dispute Resolution Criteria published by the Korea Fair Trade Commission. Where those criteria and these Terms differ, whichever is more favourable to the Member applies. (2) Where a dispute cannot be resolved by agreement, Members may seek counselling or mediation from the following bodies, and the Company participates in good faith. · Korea Consumer Agency counselling centre: 1372 (ccn.go.kr) · Content Dispute Resolution Committee: kcdrc.kr · Electronic Commerce Mediation Committee: ecmc.or.kr · Korea Fair Trade Commission: ftc.go.kr · Personal information: Personal Information Infringement Report Center 118 / Personal Information Dispute Mediation Committee 1833-6972 (3) Detailed criteria for personal information processing and for paid services (fees, withdrawal, refunds) are set out in the Privacy Policy, the Paid Service Terms and the Refund Policy.
Customer support
Email: hello@floticinfo.com
Phone: +82-10-4831-4686
Support hours: Weekdays 09:00–18:00 (KST)
Article 14 (Intellectual property)
Copyright and other intellectual property rights in the Service and App belong to the Company or rightful owners. Members may not reproduce, distribute, or create derivative works for commercial purposes without the Company's prior consent.
Article 15 (Damages)
① If the Company or a Member breaches these Terms and causes loss to the other party, that party shall compensate for the loss. ② The Company has no obligation to intervene in disputes between Members or between Members and third parties unless specifically provided by law, and is not liable for resulting losses unless attributable to the Company. ③ The Company's liability for damages is limited to ordinary damages; the Company is not liable for loss of expected profits or special damages absent intent or gross negligence.
Article 16 (Notices to members)
The Company may send notices and communications regarding the Service through in-app notices, push notifications, SMS, or email to the contact information provided by the Member.
Article 17 (Governing law and jurisdiction)
(1) These Terms are governed by the laws of the Republic of Korea. (2) Where litigation arises between the Company and a Member, the district court having jurisdiction over the Member's address (or residence, if there is no address) at the time of filing shall be the court of first instance under the Civil Procedure Act. The Company does not assert an exclusive jurisdiction agreement unfavourable to Members. (3) 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. (4) Nothing in these Terms excludes or limits any right guaranteed to Members by mandatory law, including the Act on the Regulation of Terms and Conditions, the Framework Act on Consumers and the Act on Consumer Protection in Electronic Commerce, Etc.
Effective date and supplementary provisions
(1) These Terms of Service take effect on August 8, 2026 (announced July 29, 2026). (2) The previous terms dated May 1, 2026 are repealed on that date. (3) Because this revision is favourable to Members, it also applies, to the extent more favourable to the Member, to agreements concluded under the previous terms. (4) Principal changes 1. Prior disclosure of the use of generative artificial intelligence, and rights to explanation, refusal and human review of automated analysis (Article 8) 2. The 7-day rule for withdrawal and its exceptions stated expressly, and refund channels separated into in-app purchase and PG payment (Article 10) 3. New duty on the Company to refund directly where a store refuses (Article 10(4)) 4. Express statement that no penalty or fee is deducted on withdrawal (Article 10(5)) 5. New notice that closing an account or deleting the app does not cancel a store subscription (Article 12(4)) 6. Notice periods for amendments (7 days; 30 days where unfavourable) and the deemed-acceptance notice requirement (Article 3) 7. New guidance on mediation bodies and reference to the Consumer Dispute Resolution Criteria (Article 13) 8. Jurisdiction fixed to the court for the Member's address (Article 17) (5) This English text is a courtesy translation of the Korean original. If there is any discrepancy, the Korean version prevails, except where the English version is more favourable to the Member.