CashLearning Terms of Service

Article 1. Purpose

These Terms govern the rights, obligations, responsibilities, and other necessary matters between CashLearning ("Company") and users in relation to the use of mobile application services ("Service") provided by the Company.

Article 2. Definitions

The definitions of terms used in these Terms are as follows:

1. "Service" refers to learning content, quizzes, reward systems, and all related services provided by the Company.
2. "User" refers to members and non-members who use the Service provided by the Company in accordance with these Terms.
3. "Member" refers to a person who has registered as a member by providing personal information to the Company and can continuously use the Service provided by the Company.
4. "Points" or "Rewards" refer to in-service benefits provided free of charge to users according to the Company's policies. They are not cash and have no monetary value.
5. "Content" refers to all information provided through the Service, including learning materials, quizzes, problems, and explanations.

Article 3. Effect and Amendment of Terms

1. These Terms take effect by being posted on the Service screen or by notifying users through other methods.
2. The Company may amend these Terms within the scope that does not violate relevant laws, and amended Terms will be announced in the same manner as Paragraph 1.
3. Users who do not agree to the amended Terms may discontinue using the Service and withdraw their membership.
4. Continued use of the Service after the effective date of the amended Terms shall be deemed as consent to the amended Terms.

Article 4. Rules Outside the Terms

Matters not specified in these Terms shall be governed by relevant laws and the Company's detailed service usage guidelines.

Article 5. Establishment of Use Agreement

1. A use agreement is established when a user agrees to these Terms, applies for use, and the Company approves such application.
2. The Company may refuse or withhold approval of an application in the following cases:
   • When not using a real name or using another person's information
   • When providing false information or not providing required information
   • When under 14 years of age
   • When previously disqualified for violating these Terms
   • When there are technical or operational difficulties

Article 6. Changes to User Information

1. Users may view and modify their personal information at any time through the settings screen within the Service.
2. The Company is not responsible for any disadvantages arising from a user's failure to update their information.

Article 7. Provision of Services

1. The Company provides the following services:
   • Learning content and quizzes
   • Learning record management
   • Reward (point) system
   • Advertising services
   • Other services determined by the Company
2. Services are provided 24 hours a day, 365 days a year in principle, but may be temporarily suspended for reasons such as system maintenance.
3. The Company may modify, change, or discontinue all or part of the Service according to Company policy, and will not provide separate compensation to users for such changes.

Article 8. Change and Discontinuation of Services

1. The Company may change or discontinue all or part of the Service due to operational or technical needs.
2. In case of Service change or discontinuation, the Company will provide advance notice, and may provide post-notice in case of unavoidable circumstances.
3. The Company bears no responsibility to users for changes or discontinuation of services provided free of charge.

Article 9. Display of Advertisements

1. The Company may display advertisements on Service screens, push notifications, etc. in connection with Service operation.
2. Watching advertisements is at the user's voluntary choice, and whether rewards are provided for watching advertisements and the conditions thereof are determined by Company policy.
3. The Company is not responsible for any loss or damage arising from users participating in advertisers' promotional activities or engaging in communications or transactions with them.
4. Advertisements displayed in this Service are provided through Google AdMob and are distinguished by "Ad" or "AD" markings. Rewards given after watching reward advertisements are credited only when the advertising system operates normally, and the Company bears no separate compensation responsibility for non-payment due to advertising network errors.

Article 10. Nature of Rewards

Article 11. Accumulation of Rewards

1. Rewards are accumulated according to conditions and methods determined by the Company.
2. The Company may change reward accumulation conditions, amounts, and methods. However, for changes unfavorable to users, notice will be given through in-app announcements or push notifications at least 7 days before the change takes effect. Changes favorable to users or minor changes may be applied immediately.
3. Rewards accumulated through fraudulent means will be recovered, and the Company is not responsible for any disadvantages arising therefrom.
4. If rewards are not credited due to technical errors in the advertising network (Google AdMob) when watching advertisements, the Company bears no separate compensation responsibility for such advertisement viewing. However, the Company will make reasonable efforts to resolve technical issues.
5. The point payout probabilities for reward boxes are as follows: 100P (0.1%), 20P (0.79%), 15P (20%), 10P (79.11%). The Company may change these probabilities if necessary for service operation, and will announce changes through these Terms.

Article 12. Use of Rewards and Gift Card Conversion

1. Accumulated rewards can be converted to gift cards according to conditions and procedures determined by the Company.
2. Conversion conditions, minimum conversion points, and convertible products (gift certificates, convenience store vouchers, etc.) are subject to Company policy. Users will be notified through in-app announcements at least 7 days before any policy changes. However, in case of urgent reasons such as legal amendments, notice may be given without delay after the change.
3. Processing after gift card conversion application takes within 1 business day. The Company is not responsible for delays due to circumstances beyond its control, such as gift card issuer situations.
4. Gift card conversion may be refused or delayed in the following cases:
   • When user information is inaccurate or cannot be verified
   • When fraudulent accumulation is suspected (use of automation programs, operation of multiple accounts, etc.)
   • When identity verification is impossible
   • When there are restrictions according to relevant laws
   • When there is insufficient gift card inventory or issuer system failure
5. The user is responsible for the accuracy of the recipient phone number entered. The Company is not responsible if a gift card is sent to another person due to an incorrect phone number entry.
6. Cancellation and refund are not possible after gift card conversion is completed. Users must verify the recipient phone number and product information before applying for conversion.
7. The terms of use, validity period, and places of use for issued gift cards are subject to the policies of the respective gift card issuers.

Article 13. Expiration of Rewards

1. Rewards expire in the following cases:
   • When 1 year has elapsed from the date of accumulation
   • Upon membership withdrawal
   • Upon service termination (30 days advance notice before termination date)
   • When the Company terminates the use agreement
   • When the Service has not been used for 12 months or more (notification via push notification and in-app announcement 30 days before expiration)
2. Expired rewards cannot be restored, and the Company bears no compensation responsibility for them.
3. The Company will notify users of scheduled reward expiration 30 days in advance through in-app notifications or push notifications.

Article 14. Reward Errors and Recovery

1. If rewards are incorrectly credited due to system errors, bugs, or other reasons, the Company may recover such rewards.
2. Rewards accumulated through fraudulent means will be fully recovered, and legal action may be taken in accordance with relevant laws.
3. If a user objects to the Company's reward recovery, they may file an objection through customer service (cashlearning1997@gmail.com) within 14 days of receiving the recovery notice.
4. The Company will notify the user of the investigation results via email or in-app notification within 14 days from the date of receiving the objection.
5. If a legitimate objection is accepted, the Company will restore the recovered rewards.

Article 15. Coupons and Partner Benefits

1. Coupons, gift certificates, partner benefits, etc. provided by the Company are subject to the policies of the respective partners.
2. The terms of use, validity period, and usage methods for partner benefits are subject to partner policies, and the Company is not responsible for changes in partner policies.
3. Disputes related to partner benefits must be resolved between the user and the relevant partner, and the Company is not responsible for such disputes.

Article 16. User Obligations

1. Users must not engage in the following activities:
   • Registering false information or using another person's information
   • Fraudulent activities using automation programs, macros, bots, etc.
   • Creating and using multiple accounts by the same person
   • Fraudulent accumulation or use of rewards
   • Interfering with Service operation
   • Infringing on the rights of the Company or third parties
   • Activities related to crimes
   • Other activities that violate relevant laws or these Terms
2. Users must comply with these Terms and applicable laws.

Article 17. Sanctions

1. If a user violates Article 16, the Company may take the following measures:
   • Warning
   • Reward recovery
   • Service use restriction
   • Termination of use agreement
   • Legal action
2. Users may file objections to the Company's sanctions in accordance with procedures determined by the Company.

Article 18. Disclaimer of the Company

1. The Company is exempted from responsibility for Service provision when it cannot provide the Service due to force majeure such as natural disasters, war, or suspension of services by telecommunications carriers.
2. The Company is not responsible for Service use difficulties caused by the user's fault.
3. The Company is not responsible for users' failure to obtain expected profits or for losses incurred through the use of the Service.
4. The Company has no obligation to intervene in disputes arising between users or between users and third parties through the Service, and bears no responsibility for compensating damages arising therefrom.
5. The Company bears no responsibility for the use of services provided free of charge unless otherwise specified in relevant laws. However, damages caused by the Company's intentional or gross negligence are exceptions.
6. The Company does not guarantee the accuracy, completeness, or reliability of content and is not responsible for results obtained by users from using content.

Article 19. Damages

1. When the Company is liable for damages to users, the scope of liability is limited to ordinary damages and does not include special damages, indirect damages, consequential damages, or lost profits.
2. The amount of damages is capped at the reward amount directly related to the damage or the service usage fee paid by the user to the Company.
3. However, the limitations in Paragraphs 1 and 2 do not apply to damages caused by the Company's intentional or gross negligence.

Article 20. Dispute Resolution

1. In case of disputes related to these Terms, the Company and users shall negotiate in good faith to resolve the dispute.
2. If negotiation fails, the court having jurisdiction over the Company's headquarters shall be the exclusive agreed jurisdiction court.

Article 21. Governing Law

The laws of the Republic of Korea shall apply to the interpretation and application of these Terms.

Article 22. Severability

Even if some provisions of these Terms are invalid, the remaining provisions shall remain valid.

Supplementary Provisions

These Terms are effective from March 22, 2026.