These Terms of Service govern the rights, obligations, and responsibilities between JC Beat (hereinafter "Company") and users regarding the use of the CashLearning mobile application service (hereinafter "Service") provided by the Company.
The terms used in these Terms are defined as follows:
1. "Service" refers to economic news, learning content, questions, the reward system, and all related services provided by the Company.
2. "User" refers to members and non-members who use the Service 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.
4. "Points" or "Rewards" refer to in-service benefits granted free of charge to members according to Company policy. They are NOT cash and cannot be refunded as cash. Points can only be exchanged for gift cards designated by the Company.
5. "Raffle Tickets" refer to in-service benefits granted free of charge to members under conditions set by the Company, used only to enter raffles.
6. "Raffle" refers to a prize draw that members enter with raffle tickets.
7. "Content" refers to all information provided through the Service, including news summaries, learning materials, questions, and explanations.
1. These Terms become effective when posted on the Service screen or notified to users by other means.
2. The Company may modify these Terms within the scope that does not violate applicable laws, and modified Terms will be announced in the same manner as Paragraph 1.
3. Users who do not agree to the modified Terms may discontinue service use and withdraw.
4. Continued use of the Service after the effective date of modified Terms constitutes agreement to the modified Terms.
Matters not specified in these Terms shall be governed by applicable laws and the Company's detailed service guidelines.
1. The use agreement is formed when a user agrees to these Terms, applies for use, and the Company accepts the application.
2. The Company may refuse or withhold acceptance of use applications in the following cases:
1. Members may view their personal information and request corrections through the app or Customer Service.
2. The Company is not responsible for disadvantages caused by the user's failure to update information.
1. The Company provides the following services:
2. Some learning features can be used without registering. Earning and using rewards and entering raffles are available to members only.
3. The Service is provided 24 hours a day, 365 days a year in principle, but may be temporarily suspended for system maintenance.
4. The Company may modify, change, or discontinue all or part of the Service according to Company policy, without compensation to users.
1. The Company may modify or discontinue all or part of the Service for operational or technical needs.
2. In case of service modification or discontinuation, the Company will provide advance notice, or post-notice if unavoidable circumstances exist.
3. The Company bears no responsibility to users for modification or discontinuation of free services.
1. The Company may display advertisements on service screens in connection with service operation. Promotional information is sent by push notification only to members who have separately agreed to receive it.
2. Viewing advertisements is at the user's voluntary choice, and whether rewards are provided for viewing advertisements is determined by Company policy.
3. The Company is not responsible for losses or damages arising from users participating in, communicating with, or transacting with advertisers' promotional activities.
4. Advertisements displayed in this Service are provided through Google AdMob and ad networks connected to AdMob, and are distinguished by 'Ad' or 'AD' labels. Rewards for watching reward ads are only credited when the ad system operates normally. The Company is not responsible for non-payment due to ad network errors.
1. Rewards (Points) are in-service benefits provided free of charge by the Company to users. THEY ARE NOT CASH.
2. The standards for earning, exchanging, and expiring rewards follow these Terms and Company policy. If the Company changes them to the user's disadvantage, it will give advance notice under Article 11, Paragraph 2.
3. Rewards cannot be transferred, inherited, or used as collateral, and can only be used by the member personally.
4. Rewards are NOT investment products and do NOT generate any profits or interest.
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, changes unfavorable to users will be notified at least 7 days before the effective date through in-app announcements or push notifications. 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 resulting disadvantages.
4. If rewards are not credited due to technical errors in the ad network while watching advertisements, the Company is not responsible for separate compensation for that ad viewing. However, the Company will make reasonable efforts to resolve technical issues.
5. The points in a reward box are determined at random within a range set by the Company for each box type. The Company may change the ranges and probabilities if necessary for service operation, and will give advance notice under Paragraph 2 if the change is unfavorable to users.
1. Accumulated points may be exchanged for mobile gift cards according to conditions and procedures determined by the Company.
2. Exchange conditions, minimum exchange points, and available products (convenience store, shopping, and payment-service gift cards, etc.) are subject to Company policy. Changes will be notified to users at least 7 days in advance through in-app announcements. However, in urgent cases such as legal amendments, notification may be made without delay after the change.
3. Processing after an exchange request takes within 5 business days. The Company is not responsible for delays due to circumstances beyond its control, such as gift card issuer issues.
4. Gift card exchange may be refused or delayed in the following cases:
5. The user is responsible for the accuracy of the receiving phone number or email. The Company is not responsible if a gift card is sent to another person due to incorrect entry.
6. Cancellation and refund are not possible after a gift card exchange is completed. Users must verify the receiving information and product information before submitting exchange requests.
7. Usage conditions, validity period, and accepted locations of the issued gift card are subject to the policies of the respective gift card issuer.
1. Rewards (points and raffle tickets) expire in the following cases:
2. Expired rewards cannot be restored, and the Company bears no compensation responsibility.
1. Raffle tickets are granted free of charge to members under conditions set by the Company and can only be used to enter raffles. Raffle tickets cannot be converted into points or cash, and cannot be transferred to others.
2. A raffle is drawn automatically when the entered tickets reach the target number set by the Company, and one winner is selected with a probability proportional to the number of tickets entered.
3. The Company notifies the winner through an app notification and collects the information needed to deliver the prize (such as a mobile phone number). The winner's name is shown on the raffle screen partially masked.
4. Raffle tickets used for an entry are not returned regardless of the draw result.
5. Taxes and public charges on prizes are handled in accordance with applicable laws.
6. If an entry was made with raffle tickets obtained by fraudulent means, the Company may cancel the win.
1. If rewards are incorrectly accumulated 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 applicable laws.
3. If a user has an objection to the Company's recovery of rewards, they may file an objection through Customer Service (cashlearning1997@gmail.com) within 14 days from the date 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.
1. Coupons, gift certificates, and partner benefits provided by the Company are subject to the policies of the respective partners.
2. Use conditions, validity periods, and use 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.
1. Users shall not engage in the following activities:
2. Users must comply with these Terms and applicable laws.
1. If a user violates Article 17, the Company may take the following measures:
2. Users may appeal the Company's sanctions through procedures established by the Company.
1. The Company is exempt from responsibility for service provision when unable to provide services due to force majeure such as natural disasters, war, or service suspension by telecommunications providers.
2. The Company is not responsible for service use failures caused by the user's fault.
3. The Company is not responsible for users not obtaining expected profits or for losses incurred through the Service.
4. The Company has no obligation to intervene in disputes between users or between users and third parties mediated through the Service, and is not responsible for compensating damages arising therefrom.
5. The Company is not responsible for free services unless otherwise provided by applicable laws. However, damages caused by the Company's willful misconduct or gross negligence are excepted.
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.
1. If the Company is liable for damages to users, the scope of liability is limited to ordinary damages, and special damages, indirect damages, consequential damages, and lost profits are not included.
2. The maximum amount of damages is limited to the reward amount directly related to the damage or the service usage fee paid by the user to the Company.
3. However, in case of damages caused by the Company's willful misconduct or gross negligence, the limitations in Paragraphs 1 and 2 above do not apply.
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 have exclusive agreed jurisdiction.
The laws of the Republic of Korea shall apply to the interpretation and application of these Terms.
Even if some provisions of these Terms are invalid, the remaining provisions shall remain valid.
These Terms are effective from October 1, 2026.