Hello, this is Fintag.
To provide a safer and more transparent service, we are revising our Terms of Service and Privacy Policy. Please review the details below.
Revision Schedule
- Announcement Date: November 21, 2025
- Effective Date: December 21, 2025 (30 days after announcement)
1. Key Updates to Terms of Service
Article 2 (Definitions) - New Definition of 'Token'
[New]
5. Token: Virtual data used within the Service to access specific features such as AI chatbots and document generation.
Reason for Revision: To clarify the concept of tokens in accordance with the provision of AI-based add-on services.
Article 7 (Obligations of Members) - Specification of Prohibited Acts
[Added Prohibited Acts]
- Item 5: Unauthorized collection of information and interference with service operations using automated means (bots, scrapers, crawlers, etc.).
- Item 6: Copying, reverse engineering, or decompiling software without the Company's consent.
- Item 7: Unauthorized leakage or commercial use of confidential information, trade secrets, or financial information belonging to the Company or others.
Reason for Revision: To specify prohibited acts for strengthening service security, preventing illegal use, and protecting intellectual property rights.
Article 8 (Management Responsibility for Members and Affiliated Users) - New
[New Content]
- Responsibility for managing account information of all users affiliated with the Member's account.
- Obligation to set and manage service access permissions for affiliated users.
- Exemption of the Company from liability for information leakage caused by the Member's negligence.
- Violations by affiliated users are considered violations by the Member.
Reason for Revision: To prevent security incidents by clarifying the corporate Member's responsibility for managing their employees, given the nature of B2B services.
Article 11 (Payment) - New
[New Content]
- Specification of payment methods for paid services and Member responsibilities.
- Payment Method: Toss Payments, etc.
Reason for Revision: Establishment of payment regulations following the introduction of paid services.
Article 12 (Cancellation and Refund) - New
[New Content]
1) Regular Payment (Subscription) Cancellation and Refund Policy
- Before use: Full refund within 7 days.
- After use: Pro-rated calculation + Deduction of used tokens + 10% penalty.
- Unused tokens expire immediately upon cancellation.
2) Token (Single Purchase) Refund Policy
- If unused within 7 days: Full refund available.
- If even one token is used: Strictly non-refundable (due to the nature of digital content).
Reason for Revision: To comply with the E-commerce Act and establish a clear refund policy tailored to the nature of digital content.
Article 13 (Validity, Expiration, and Usage Order of Tokens) - New
[New Content]
- Usage Order: Subscription Free Tokens → Event Free Tokens → Paid Tokens (in order of nearest expiration).
- Subscription Tokens: Expire automatically every month (cannot be rolled over).
- Paid Tokens: Valid for 1 year from the date of purchase; notification sent 30 days prior to expiration.
Reason for Revision: To establish clear usage rules and protect consumer rights following the introduction of the token-based billing system.
2. Key Updates to Privacy Policy
Article 6 (Entrustment of Personal Information Processing) - Detailing Vendor Information
[Previous]: Vendor information omitted or briefly stated.
[Revised]:
| Trustee (Vendor) | Entrusted Task | Entrusted Information | Retention Period |
|---|---|---|---|
| Hecto Data Co., Ltd. | Relay of personal (credit) information, API service operation | Personal (credit) info, request/response data, corporate info | Until termination of entrustment contract |
| Amazon Web Services Inc. | Cloud server infrastructure operation and data storage (Seoul Region, Korea) | All personal information collected during service use | Until membership withdrawal or termination of entrustment contract |
Reason for Revision: To fulfill the obligation of transparent disclosure of trustee information in accordance with the Personal Information Protection Act.
Article 9 (Processing and Use of Pseudonymized Information) - New
[New Content]
- Purpose of Pseudonymization: Statistics generation, service improvement, new service development.
- Items Pseudonymized: Service usage records, access logs, financial product information (excluding identifiers).
- Security Measures: Separate storage of additional information to prevent re-identification.
Reason for Revision: To prepare a legal basis for processing pseudonymized information and enhance transparency in accordance with the amendment of the Personal Information Protection Act.
Article 10 (Measures for Ensuring Safety) - Strengthening Security Measures
[Added Content]
- Strengthened Personal Information Encryption: Specified encrypted storage for emails, mobile phone numbers, and financial information.
- Strengthened Cloud Security:
- When implementing AI functions using AWS Bedrock, data is processed strictly within the VPC.
- Source blocking of external leaks.
- All data is processed only in an environment isolated from the outside.
Reason for Revision: To strengthen cloud security and enhance user trust following the introduction of AI services.
Notice
- The full text of the revised Terms can be found on the Fintag website under the Terms of Service / Privacy Policy menu.
- If you do not agree to the revised Terms, you may request to withdraw your membership before the effective date.
- If you continue to use the Service after the effective date, you will be deemed to have agreed to the revised Terms.
For inquiries, please contact our Customer Center (sanghoon.jung@mi-deal.com).
MiDeal Inc. (Fintag)
