JANDA Electronic Financial Transactions Terms and Conditions
Chapter 1. General Rules
Article 1 (Purpose)
The purpose of this Agreement is to prescribe basic matters concerning electronic financial transactions between the
company and the user when the user uses the electronic payment agency service, payment deposit service, and prepaid
electronic payment method issuance and management service (hereinafter collectively referred to as "electronic financial
transaction service").
Article 2 (Definition of Terms)
The definitions of terms stipulated in these terms and conditions are as follows, and the definitions of terms not separately defined in this Article and these terms shall be governed by relevant laws such as the Electronic Financial Transactions Act.
1. "Electronic Financial Transactions" refers to transactions in which a company provides electronic financial transaction services through electronic devices and uses them in an automated manner without users facing or communicating directly with employees of the company.
2. "Electronic Payment Transaction" refers to an electronic financial transaction in which the donor (hereinafter referred to as "Payor") transfers funds to the recipient (hereinafter referred to as " Recipient").
3. "Electronic means of payment" refers to means of payment according to the electronic method prescribed in Article 2 Subparagraph 11 of the Electronic Financial Transactions Act, such as prepaid electronic means of payment, credit card, etc.
4. "Electronic Device" refers to a device used to transmit or process electronic financial transaction information by an automatic teller machine, an automatic teller machine, a payment terminal, a computer, a phone, and other devices that transmit or process information by electronic means.
5. "Electronic Documents" refers to information prepared, transmitted, received, or stored in electronic form in accordance with the information processing system under subparagraph 1 of Article 2 of the Framework Act on Electronic Documents and Electronic Transactions.
6. "User" refers to a person who agrees to these terms and conditions and uses the electronic financial transaction service provided by the company.
7. "User number" refers to a combination of numbers and characters set by the user and approved by the company for identification and service use of the user.
8. "Password" refers to a combination of numbers and characters set by the user and approved by the company for identification of user identity and protection of user information.
9. "Access Media" is a means or information used to instruct transactions in electronic financial transactions or to ensure the authenticity and accuracy of users and transactions, and electronic information equivalent thereto (including credit card numbers),
It refers to the certificates under the Electronic Signature Act, user numbers registered with the company, user's biometric information, and passwords necessary to use the above means or information, etc.
10. "Transaction Order" refers to the user ordering the company to handle electronic financial transactions in accordance with the electronic financial transaction contract concluded under this Agreement.
11. "Error" refers to a case where electronic financial transactions are not implemented in accordance with an electronic financial transaction contract or a transaction instruction by the user without intention or negligence.
Article 3 (Specification and modification of terms and conditions)
① The company publishes the terms and conditions on the service page before users use the electronic financial
transaction service and allows users to check the important contents of the terms and conditions.
② Upon request of the user, the company shall deliver a copy of this Agreement to the user by sending the electronic
document (including sending by e-mail).
③ When the company changes the terms and conditions, it notifies the user by posting the changed terms and conditions on
the initial screen of the electronic financial transaction service provided by the company and the company's website.
However, if the terms and conditions are urgently changed due to the revision of the law, the changed terms and
conditions shall be posted on the initial screen of service use or on the website (www.stayjanda.com) for at least one
month, and the user shall be notified afterwards through e-mail.
④ The company may terminate the contract within 30 days from the date of receiving the notice or notification if the
user does not agree to the change under paragraph (3), and if the user does not express his intention to terminate the
contract, he/she shall be deemed to have agreed to the changeNotify or notify the contents of ".
⑤ If the user fails to express his/her intention to terminate the contract within 30 days from the date of receiving the
notice or notice under paragraph (4), he/she shall be deemed to have agreed to the change.
Article 4 (Composition and Contents of Electronic Financial Transaction Services)
① The electronic financial transaction service consists of the following services, and if necessary, details of the
service are posted in each chapter of this Agreement.
1. Electronic payment agency service
2. Payment deposit service
3. Issuance and management service of prepaid electronic payment means
② If the company intends to add or change electronic financial transaction services, it may notify the user in advance
of the details and add or change the electronic financial transaction services.
Article 5 (Consent and withdrawal of collection transfer)
① In order for the user to agree to the collection transfer, consent must be provided in electronic writing according to
the method and requirements provided by the company.
② The company provides a method that meets the requirements stipulated in the Electronic Financial Supervisory
Regulations and electronic consent to the requirements, and submits the consent received from the user to the Korea
Financial Telecommunications & Clearings Institute and the relevant financial institution for the implementation of the
collection transfer.
③ The user may request the company to withdraw its consent under the provisions of the preceding paragraph until the
withdrawal record is entered in the user's account ledger according to the company's transaction instructions. Users can
withdraw their consent to withdraw the withdrawal by deleting the account registered with the company through the
Coupang Pay service screen. However, the user cannot raise an objection to the withdrawal that occurred before the
expression of intention to withdraw the consent.
④ In the case of transactions processed in large quantities or transactions based on reservations, the company may set a
different timing for withdrawal of the consent according to the agreement set in advance with the user.
Article 6 (Time of Use)
① In principle, the company provides electronic financial transaction services to users 24 hours a day, 24 hours a day.
However, it may be determined differently depending on the circumstances of financial institutions and other payment
method issuers.
② If it is inevitable to suspend electronic financial transaction services due to maintenance, inspection, other
technical needs, or circumstances of financial institutions and other payment methods issuers, the company may suspend
the service after posting the suspension by electronic means 3 days before the service suspension. However, if it is
inevitable, such as system failure recovery, urgent program repair, or external factors, the service can be stopped
without prior notice.
Article 7 (Selection, use, and management of access media)
① When providing electronic financial transaction services, the company selects an access medium to check the user's
identity, authority, and transaction instructions.
② Users shall not lend, delegate, or provide access media to third parties, or provide them for transfer or collateral
purposes, and shall not mediate such activities.
③ Users should not leak, expose, or neglect their access media to third parties, and should pay sufficient attention to
prevent theft, forgery, or tampering with the access media.
④ When the company receives a notice of loss or theft of the access medium from the user, it is responsible for
compensating the user for damages caused by the use of the access medium by a third party from that time.
Article 8 (Confirmation of Transaction Contents)
① The company allows users to check their transaction details (including user's ' error correction request and
processing result') through the user information inquiry screen, and if the user requests to issue the transaction
in writing, the transaction details shall be issued within two weeks from the date of receipt. However, if the
transaction details cannot be provided due to an operation failure of the electronic device or other reasons, the reason
shall be notified immediately by electronic document transmission (including transmission using electronic mail), and
the period when the transaction details cannot be provided due to an operation failure of the electronic device shall
not be included in the written delivery period.
② Among the transactions subject to paragraph (1), the target period of 5 years shall be as follows:
1. Name or number of the transaction account
2. Type and amount of electronic financial transactions
3. Information indicating an electronic financial transaction counterparty
4. Electronic financial transaction date and time
5. Information to identify electronic devices
6. Fees received by the company in exchange for electronic financial transactions
7. Matters concerning the user's withdrawal consent
8. Access records of electronic devices related to the relevant electronic financial transaction
9. Matters concerning applications for electronic financial transactions and changes in conditions
10. Records of electronic financial transactions in which the transaction amount per case exceeds
10,000 won
③ Among the transactions subject to paragraph (1), the target period of one year is as follows.
1. Records of transaction approval related to the use of electronic payment methods
2. Matters concerning the user's error correction request and processing results
3. Other matters determined by the Financial Services Commission by public notice
4. Records of small electronic financial transactions with a transaction amount of less than 10,000
won per case
④ If a user wishes to request the written issuance prescribed in paragraph (1), he/she may request it at the following
address and phone number:
* Address: Room 302, 3rd floor, 24, Hwangnyeong-daero, Busanjin-gu, Busan
* Email address: support@stayjanda.com
* Phone: 1833-4157
Article 9 (Correction, etc. of Errors)
① When the user knows that there is an error in using the electronic financial transaction service, he/she may request
the company to correct it.
② When the company receives a request for correction of an error under the provisions of the preceding paragraph or
knows that there is an error, it immediately investigates and processes it, and notifies the user of the result in
writing within two weeks from the date of receipt of the request for correction. However, if the user's address is not
clear or the user requests it, it can be notified by phone or e-mail.
Article 10 (Company Liability)
① The company shall bear the responsibility to compensate the user for any of the following damages if any of the following accidents occurs:
1. Accidents caused by forgery or alteration of access media
2. Accidents issued in the process of electronic transmission or processing of contract signing or transaction instructions
3. Accidents caused by the use of electronic devices for electronic financial transactions or access media obtained by false or other illegal means by invading the information and communication network under Article 2 (1) 1 of the Act on Promotion of Information and Communication Network Utilization, etc
② Notwithstanding paragraph (1), the company may have the user bear all or part of the damage incurred by the user due to any of the following reasons:
1. Where a user lends or delegates the use of an access medium to a third party, or provides it for transfer or security purposes
2. In the case where a third party leaks, exposes, or neglects the access medium even though he/she knew or could easily know that the user's access medium could be used without authority
3. In addition to the confirmation under Article 6 (1) of the Electronic Financial Transactions Act, the user refused additional security measures required for electronic financial transactions without justifiable reasons, resulting in an accident under subparagraph 3 of the preceding paragraph
case
4. An accident under subparagraph 3 of the preceding paragraph occurred by leaking, exposing, or neglecting media, means, or information used for additional security measures under subparagraph 3 or providing it to a third party for the purpose of lending, delegation, transfer, or security
case
5. In the event of damage to users who are corporations (excluding small businesses under Article 2 (2) of the Framework Act on Small and Medium Enterprises), the company establishes security procedures and thoroughly complies with them
in the event of fulfilling one's duty of care
③ The company may temporarily suspend the provision of electronic financial transaction services in the event of
maintenance inspection or replacement of information and communication facilities such as computers. In this case, the
company notifies the user in advance of the suspension schedule and the reason for the suspension of the electronic
financial transaction service through the Internet site.
Article 11 (Withdrawal of Transaction Instructions)
① When an electronic payment transaction is made using the company's electronic financial transaction service, the user
may withdraw the transaction order by sending the electronic document (including sending by e-mail) or withdrawing it
from the service page as prescribed in Article 8 (4) before the payment takes effect. However, the timing of the
withdrawal of transaction orders for each service shall be in accordance with Articles 18, 22, and 27 of this Agreement.
② Users can receive a refund of the payment according to the withdrawal method of the subscription under related laws,
such as the "Act on Consumer Protection in Electronic Commerce, etc." when the electronic payment takes effect.
Article 12 (Creation and preservation of electronic financial transaction records)
① In providing electronic financial transaction services, the company shall not provide, leak, or use information or
data on the acquired user's personal information, account, access media, and the contents and performance of electronic
financial transactions other than for business purposes.
② The company operates a personal information handling policy to protect users' personal information so that users can
use electronic financial transaction services safely. The company's personal information handling policy can be found on
the screen linked to the company's website or service page.
Article 14 (Dispute Handling and Dispute Mediation)
① A user may request the person in charge of handling disputes posted at the bottom of the company's service page to handle disputes, such as raising opinions and complaints related to the use of electronic financial transaction services, and claiming damages.
② The company informs the user of the results of the investigation or processing of the dispute within 15 days from the date the user applies for the handling of the dispute.
③ If there is any objection to the results of the company's dispute resolution under paragraph (2), the user may apply for dispute settlement with the Financial Supervisory Service's Financial Dispute Mediation Committee or the Korea Consumer Agency under the Framework Act on Consumers.
Article 15 (Company's Obligation to Secure Safety)
To ensure the safety and reliability of electronic financial transactions, the company shall comply with the standards set by the Financial Services Commission for personnel, facilities, and electronic financial services for electronic transactions
Article 16 (Rules other than the Terms and Conditions and Jurisdiction)
① If an individual agreement between the company and the user differs from the one set forth in this Agreement, the agreement shall be applied in preference to this Agreement.
② Matters not prescribed in these terms and conditions shall be governed by consumer protection laws such as the Electronic Financial Transactions Act, the Consumer Protection Act in Electronic Commerce, and the Specialized Credit Finance Business Act.
③ The jurisdiction over disputes between the company and the user shall be governed by the Civil Procedure Act.
Chapter 2 Electronic Payment Agency Service
Article 17 (Definitions)
"Electronic Payment Agency Service" refers to a service that transmits or receives payment information in the purchase of goods or services (hereinafter referred to as "goods, etc." in this Agreement) or acts on behalf of or mediates the settlement of the price.
Article 18 (Withdrawal of transaction instructions)
① If a user uses an electronic payment agency service, the transaction order may be withdrawn until the information of the transaction order reaches the electronic device designated by the recipient, or until the information of the transaction order is entered into the electronic device of the financial company or company with the recipient's account.
② If the payment transaction is not made according to the withdrawal of the user's transaction instructions, the company shall return the received funds to the user.
Article 19 (Limits, etc.)
Depending on the company's policy and standards of payment companies (mobile carriers, credit card companies, etc.), the monthly cumulative payment amount and payment limit for each payment method may be limited, and related information can be found on the customer center page.
Chapter 3. Electronic Payment Agency Service
Article 20 (Definitions)
The definitions of terms in this chapter are as follows:
1."Payment Deposit Service" refers to a system in which a company deposits payment paid by consumers and pays goods to sellers after delivery is completed.
2. "Pre-paid Mail Order Sales" refers to mail order in which consumers pay all or part of the payment in advance before receiving goods, etc.
3. "Seller" refers to a person who agrees to these terms and conditions and enters an Internet site, etc. and sells by mail.
4. "Consumer" means a person who agrees to this Agreement and purchases goods from a seller who enters an Internet site and meets the requirements of subparagraph 5 of Article 2 of the Act on Consumer Protection in Electronic Commerce, etc.
Article 21 (Contents and payment methods of payment deposit services)
① A consumer (including a person who will receive goods or services if agreed by the consumer) shall notify the company within three business days of receiving the goods or services.
② The company pays the seller the payment within the fixed date between the company and the mail order vendor after receiving notification of the receipt of goods or services from the consumer.
③ The company may pay the payment to the seller without the consent of the consumer if it fails to notify the company of the receipt of the goods or services three business days after the date of receipt of the goods or services without justifiable grounds.
④ If there is a reason to refund the payment to the consumer before paying the seller, the company will refund the payment to the consumer.
Article 22 (Withdrawal of Transaction Instructions)
① If the user uses the payment deposit service, the transaction order may be withdrawn until the information of the transaction instructed reaches the electronic device designated by the recipient, or until the information of the transaction instructed is entered into the electronic device of the financial company or company with the recipient's account.
② If the payment transaction is not made according to the withdrawal of the user's transaction instructions, the company shall return the received funds to the user.
Chapter 4. Issuance and management of prepaid electronic means of payment
Article 23 (Definitions)
The terms used in this chapter are defined as follows:
1. ' Prepaid Electronic Payment Method' refers to the prepaid electronic payment method notified to users in advance by companies such as Coupang Cash used on Internet sites. Details of various prepaid electronic payment methods issued by the company can be found on the relevant service screen such as the Internet site.
2. 'Charge' refers to purchasing and holding the prepaid electronic payment method at a fee through the payment method designated by the company to secure a certain amount of the prepaid electronic payment method.
3. 'Seller' refers to a person who sells goods, etc. to users in transactions by prepaid electronic payment means.
4. 'Pre-Payment Charging' refers to the balance of the prepaid electronic payment method purchased and charged by the user in return for issuing the prepaid electronic payment method.
Article 24 (Restriction on the Use of Prepaid Electronic Payment Instruments)
① If the user falls under any of the following reasons, the company may notify the user by e-mail or other valid means and temporarily restrict the user's use of prepaid electronic payment methods.
1. If all or part of the registered personal information is found to be false
2. When using prepaid electronic payment methods after signing up by stealing other people's names or personal information.
3. In the case of stealing other people's payment information or making a transaction by fraudulent act.
4. In the case of trading or transferring the user's access media
5. If it interferes with other users' use of prepaid electronic payment methods or interferes with the company's provision of prepaid electronic payment methods.
6. If the reason for restriction of use is not resolved within the period set by the company.
② A user falling under paragraph (1) may use the prepaid electronic payment method again with the consent of the company after resolving the relevant reason.
Article 25 (Charging and accumulating prepaid electronic means of payment)
① Users can purchase and charge prepaid electronic payment methods with account withdrawals, mobile phones, credit cards, bankbook deposits, and other payment methods determined by the company, or accumulate and provide them from the company or its affiliates through activities such as services.
② Purchases of prepaid electronic payment methods through payment methods designated by the company may be charged at the specified amount for each payment method prescribed in paragraph 1, and there may be a limit depending on the payment method.
③ Users can check the charging and accumulation policies for each payment method under this section on the Customer Center page.
Article 26 (Use and Deduction of Prepaid Electronic Payment Instruments)
① Users can use the prepaid electronic payment method according to the deadline and method of use set by the company, and the company announces the details through the terms and conditions or the service page related to the prepaid electronic payment method.
② Users can use the prepaid electronic payment method as a payment method when purchasing goods, etc. in services.
③ Prepaid electronic payment means are immediately deducted at the time of completion of purchase of goods, etc.
④ When a user uses a prepaid electronic payment method, it is deducted in the order of free prepaid electronic payment method accumulated in services, etc. and prepaid electronic payment method purchased by the user.
⑤ In principle, if a user cancels the purchase of goods, etc. using prepaid electronic payment means, the company shall recharge or re-establish the prepaid electronic payment means used when purchasing goods, etc.
Article 27 (Withdrawal of transaction instructions)
If a user pays funds using a prepaid electronic payment method, the user may withdraw the transaction order until the information of the transaction instructed amount reaches the electronic device designated by the recipient.
Article 28 (Extinction of Prepaid Electronic Payment Instruments)
① The expiration date of the prepaid electronic payment method issued for a fee and the prepaid electronic payment
method converted from the partner's points is five years from the last accumulation, charging date, conversion date, or
use date, and users can use the prepaid electronic payment method only within the expiration date set by the company.
② The validity period of the prepaid electronic payment method provided free of charge is determined by the event, etc.
The company notifies in advance whether or not the expiration date is set through the service page or the customer
center page for the event, etc.
③ If consent to these terms and conditions is withdrawn (withdrawal of membership), the prepaid electronic payment
method provided free of charge will be extinguished and a refund will not be possible.
Article 29 (Cancellation of Purchase, Refund, etc.)
① If the prepaid electronic payment method purchased is within 7 days from the date of purchase, the purchase can be canceled.
② If a user requests the company to refund the prepaid electronic payment method he/she has, he/she may receive a refund of the prepaid electronic payment method provided or charged according to the following subparagraphs:
1. In the case of prepaid electronic payment methods charged for a fee, a full refund is made for the outstanding balance. Provided, That in the case of prepaid electronic payment means charged by purchasing gift cards, etc. of the company or its affiliates, 60% of the total balance at the time of last charging
If you use the above (less than 10,000 won or more than 80%), the balance will be refunded.
2. Prepaid electronic payment means provided or converted free of charge by the company through product purchase or event: Excluded from refund (where a user is notified in advance that a refund of the prepayment electronic payment method is possible at the time of free provision;
Refund)
③ Notwithstanding paragraph (2), if a merchant is unable to use a prepaid electronic payment method due to difficulty in providing goods or services due to a natural disaster, etc., or due to a defect in the prepaid electronic payment method, the merchant cannot provide goods or services
In this case, the entire balance recorded in the prepaid electronic payment method is paid.
④ Users can use prepaid electronic payment methods according to the deadline and usage method set by the company, and the company guides specific details such as refunds through the customer center page of individual prepaid electronic payment methods.
Article 30 (Limit of Prepaid Electronic Payment Instruments, etc.)
① The company shall have a maximum of 2 million won per actual name for the prepaid electronic payment method, and
500,000 won if the actual name is not confirmed. However, the holding limit may be reduced according to the company's
policy.
② Depending on the company's policy and standards of payment companies (mobile carriers, credit card companies, etc.),
the cumulative monthly payment amount and payment limit for each payment method of the user may be limited.
③ Users can view the company's policies under this section on the Customer Center page.
Article 30 (Limit of Prepaid Electronic Payment Instruments, etc.)
① The company must trust the user's prepaid charging money to an external financial institution or subscribe to payment
guarantee insurance by separating it from its own property.
② Every business day, the company must check whether the total amount of prepayment charges and the total amount of
funds in operation, such as trust funds, and disclose the size of prepayment charges, trust details, payment guarantee
insurance coverage, etc. on its website (www.stayjanda.com).
③ In any of the following cases, the company shall preferentially pay the prepaid recharge to the user through a trust
company, an insurance company, etc. In such cases, the fact, the timing, place of payment, and other matters related to
the payment of the prepaid recharge shall be publicly announced in two or more daily newspapers within one month and
disclosed through the Internet website, etc.
1. If registration is cancelled or cancelled
2. In the case of abolishing the issuance and management of dissolution or prepaid electronic payment means
3. In the case of bankruptcy declaration
4. In the case of receiving an order to suspend the issuance and management of prepaid electronic payment methods
5. Where a reason equivalent to subparagraphs 1 through 4 occurs
Article 32 (Trust or Payment Guarantee Insurance for Prepaid Charges)
① The company must trust the user with 50% or more of the prepaid recharge as the beneficiary or subscribe to payment
guarantee insurance with the user as the insured.
② In principle, the company trusts the prepaid recharge, but if it is inevitable, it can mix the payment guarantee
method.
③ If the company trusts the prepaid recharge, the target amount must be fully trusted, and some of it cannot be
deposited for the purpose of the payment reserve.
④ The company must operate as a safe asset when operating the remaining prepaid rechargeable money that is not
subscribed to the trust or payment guarantee insurance.
Supplementary Provision
These terms and conditions will take effect on April 19, 2021.
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