Terms of Service

Key points

The following summarizes the key provisions of these Terms. The specific rights and obligations of Members and the Company are governed by the body of these Terms.

• This material is provided for informational purposes only, as a reference for your investment decisions. It is based on information believed to be reliable, but its suitability for any particular investment and its completeness are not guaranteed. You are solely responsible for your investment decisions, and this material may not be used under any circumstances as evidence to establish legal liability.
• Some features of the Service are provided using generative artificial intelligence, and their outputs may be inaccurate (Article 13).
• The Company is not liable for damages arising from the causes set out in Article 27, except where liability cannot be limited under applicable law, such as damages caused by the Company's intentional misconduct or gross negligence (Article 27).
• Collecting data by automated means, copying or redistributing the Content, and using the Service to develop competing services are prohibited, and violations may result in restricted use without prior warning (Articles 22, 23, and 25).
• Paid Services are billed on a recurring basis, and fees for a Billing Period already paid are not refundable except as required by applicable law (Articles 17, 18, and 19).
• Only persons 19 years of age or older may sign up for the Service (Article 6).

Chapter 1 General Provisions

Article 1 (Purpose)

The purpose of these Terms is to set out the basic matters relating to the use of the Swifin service provided by Swifin Inc. (the "Company") and all services incidental thereto (the "Service"), including the rights, obligations and responsibilities of the Company and Members, and the conditions and procedures for use.

Article 2 (Definitions)

The terms used in these Terms have the following meanings.

1. "Service" means the information services, such as portfolio analysis and market information, that the Company provides through its website (swifin.app) and other channels, together with all related services.
2. "Member" means a person who has agreed to these Terms, entered into a service agreement with the Company and uses the Service.
3. "Account" means the sign-in credentials set by a Member and approved by the Company for the identification of the Member and the use of the Service.
4. "Input Information" means all information entered or registered in the Service by a Member, such as portfolios, transaction records, notes and queries.
5. "Content" means all information provided by the Company through the Service, such as analysis results, charts, figures, text (including outputs of generative artificial intelligence) and data.
6. "Paid Services" means services provided by the Company for a fee, or the scope of use thereof.
7. "Billing Period" means the period during which Paid Services may be used with a single payment.

Article 3 (Posting of the Terms and Company Information)

The Company posts the contents of these Terms and the following Company information on the initial screen of the Service or on a linked screen so that Members can easily access them.

1. Company name: Swifin Inc.
2. Representative: Kang Junhyeok
3. Address: 23, Gukhoe-daero 62-gil, Yeongdeungpo-gu, Seoul, Republic of Korea
4. Business registration number: 282-81-03971
5. Email: contact@swifin.app

Article 4 (Effect and Amendment of the Terms)

(1) These Terms take effect when they are posted on the Service screen or otherwise notified to Members.

(2) The Company may amend these Terms to the extent that doing so does not violate applicable laws such as the Act on the Regulation of Terms and Conditions and the Act on the Consumer Protection in Electronic Commerce, Etc. (the "E-Commerce Act").

(3) When amending these Terms, the Company will announce the amendment on the Service screen beginning 7 days before the effective date, specifying the effective date and the reasons for the amendment. However, for an amendment unfavorable to Members, the Company will make the announcement beginning 30 days before the effective date and will notify each Member individually by electronic means such as email or in-service notifications.

(4) Where the Company, in making the announcement or giving the notice under paragraph (3), has clearly informed Members that a Member who does not indicate an intention to refuse by the effective date will be deemed to have consented to the amended Terms, and a Member nonetheless does not expressly indicate an intention to refuse, the Member is deemed to have consented to the amended Terms.

(5) A Member who does not consent to the amended Terms may terminate the service agreement. Where a Member refuses the application of the amended Terms, the Company may terminate the service agreement only where there are special circumstances under which the previous Terms cannot be applied, and in that case fees for Paid Services are handled as provided by applicable laws.

Article 5 (Other Applicable Rules and Interpretation)

(1) Matters not provided for in these Terms and the interpretation of these Terms are governed by applicable laws and general commercial practice.

(2) Where necessary, the Company may establish terms of use for individual services and post them on the Service screen before those services are used. Where individual terms of use to which a Member has agreed differ from these Terms, the individual terms of use prevail, and Article 4 applies mutatis mutandis to amendments of individual terms of use.

(3) These Terms are based on the Korean version, and any version provided in another language is a translation for reference. If the Korean version and a translation differ, the Korean version prevails.

Chapter 2 Service Agreement

Article 6 (Formation of the Service Agreement)

(1) The service agreement is formed when a person wishing to use the Service agrees to these Terms and applies for membership in accordance with the procedure set by the Company, and the Company accepts the application.

(2) Only persons who are 19 years of age or older may sign up for the Service.

(3) Each person may hold only one Account.

Article 7 (Acceptance and Restriction of Applications)

(1) The Company may decline to accept an application that falls under any of the following, or may terminate the service agreement even after acceptance.

1. where the application is made using another person's name, account or email address
2. where false information is provided or information required by the Company is not provided
3. where the application is made by a person under 19 years of age
4. where the applicant has previously lost eligibility to use the Service under these Terms
5. where the applicant intends to use the Service for an improper purpose
6. where the application is otherwise made for a purpose that violates applicable laws or does not meet the sign-up requirements set out in these Terms

(2) The Company may defer acceptance where its facilities lack capacity or where there are technical or operational problems.

Article 8 (Account Management)

(1) Members are responsible for managing their Account and their sign-in methods, such as passwords, and may not transfer or lend their Account to, or share it with, any third party. Members may not transfer or gift their status under the service agreement or their right to use the Service to any third party, or provide it to any third party as security.

(2) Where a Member logs in with a third-party account such as a Google or Apple account, the management of that account is governed by the terms and policies of that third party, and the Member must keep that account secure.

(3) If a Member becomes aware that the Member's Account has been misappropriated or is being used by a third party, the Member must notify the Company immediately and follow the Company's instructions.

(4) Where misappropriation or unauthorized use of an Account is suspected, the Company may, in order to protect the Member, temporarily restrict use of that Account or request necessary measures such as identity verification.

(5) The Company is not liable for damages arising from a Member's violation of paragraphs (1) through (3). However, this does not apply where the Company is at fault.

Article 9 (Termination of Membership)

(1) Members may request to terminate their membership at any time from the account page in the Service or by email (contact@swifin.app), and the Company will process the request as required by applicable law.

(2) Upon withdrawal, the Member's Input Information is deleted, except for information retained in accordance with applicable laws and the Privacy Policy, and deleted information cannot be recovered.

(3) Where a Member withdraws while using Paid Services, fees are handled in accordance with Article 18.

Chapter 3 Use of the Service

Article 10 (Provision of the Service)

(1) The Company provides Members with information such as portfolio analysis, market information and comparisons with past market conditions. The specific content of the Service is described on the Service screens.

(2) The Company does not receive, transmit or execute trade orders or hold money or securities in custody, and Members enter and register the information necessary for use of the Service themselves.

(3) As a rule, the Service is provided 24 hours a day, every day of the year. However, the Service may be changed or suspended in accordance with Article 14.

(4) To the extent necessary for the stable operation of the Service and the prevention of abuse, the Company may set the scope of use of the Service, such as the number of uses and the volume of use, and describe it on the Service screens. The scope of use of Paid Services is as described on the payment screen or other screens, and any change to it is subject to Article 14(1).

Article 11 (An Information Service, Not Investment Advice)

(1) The Content provided by the Service is information produced by the Company by analyzing or organizing Members' Input Information and market data according to criteria set by the Company, and does not constitute advice on the value of financial investment products or on investment decisions, investment solicitation or investment advisory services.

(2) The Company does not engage in investment consultation, investment solicitation or discretionary investment management, and does not guarantee returns or compensate for losses. Even where particular financial investment products, comparison results or cases similar to past market conditions are displayed in the Service, they are merely results produced according to criteria set by the Company and do not solicit or recommend the purchase, sale or holding of those financial investment products.

(3) Decisions on whether to invest and on the investment target, timing, quantity, price and the like are made at the Member's own judgment and responsibility, and any resulting gains and losses accrue to the Member. Investing in financial investment products carries a risk of loss of principal.

(4) The Company does not provide tax, legal or accounting advice. Amounts and returns displayed in the Service may not reflect taxes, fees and the like.

Article 12 (Limitations of Information)

(1) Historical records displayed in the Service and figures recalculated using historical prices are not returns from actual trading, and past results do not guarantee future results.

(2) The Content is produced according to criteria and methods set by the Company, and results may differ if the criteria, periods or the like differ.

(3) Market data is obtained from external information providers and other sources, and may be delayed, omitted or corrected after the fact.

(4) The Content depends on Members' Input Information and may differ from the balances or profits and losses provided by financial institutions.

(5) The Company does not warrant the accuracy, completeness or timeliness of the Content or its fitness for any particular purpose of a Member. Where the Company determines that the Content contains errors or needs to be updated, the Company may modify, correct or delete the Content without prior notice.

(6) The Company does not warrant that it will identify, through the Service, every event or price movement that occurs in the market, or that it will notify Members of them by any particular time.

(7) Paragraphs (5) and (6) do not limit the Company's liability in cases falling under Article 27(3).

Article 13 (Use of Generative Artificial Intelligence)

(1) Pursuant to Article 31(1) of the Framework Act on the Development of Artificial Intelligence and the Establishment of a Foundation for Trust (the "AI Framework Act"), the Company hereby gives notice that some features of the Service are provided using generative artificial intelligence.

(2) Outputs of generative artificial intelligence may be inaccurate or incomplete, and do not constitute advice on the value of financial investment products or on investment decisions, investment solicitation or investment advisory services. The Company does not warrant the accuracy or completeness of outputs, and Members must not make investment decisions relying solely on outputs.

(3) The Company indicates that outputs are the product of generative artificial intelligence as provided by applicable laws, including Article 31(2) of the AI Framework Act.

(4) Members must not enter into generative artificial intelligence features any sensitive information, unique identification information, personal information of others, or content that infringes the rights of others.

(5) The Company may restrict the provision of outputs in response to inputs seeking investment decisions, such as whether to buy or sell a particular financial investment product, and in response to inputs that violate applicable laws or these Terms, and may modify or delete outputs that it determines to be inaccurate or inappropriate.

Article 14 (Changes to and Suspension of the Service)

(1) The Company may change all or part of the Service where there are substantial operational or technical reasons. Where the content of the Service is changed materially to the detriment of Members, the Company will announce the change on the Service screen before the change is made, and where key content of Paid Services is changed to the detriment of Members, the Company will notify each Member using those Paid Services individually.

(2) The Company may temporarily suspend all or part of the Service in any of the following cases.

1. where facilities are being repaired, inspected or replaced, or have failed
2. where there is a communications failure, or the service of an external provider used by the Company is suspended
3. where the provision of market data is suspended or delayed
4. where there is force majeure, such as a natural disaster or national emergency
5. where urgent security measures are necessary

(3) When suspending the Service under paragraph (2), the Company will give advance notice. However, where there are unavoidable reasons that prevent advance notice, the Company may give notice afterward.

(4) The Company may change or terminate all or part of the Service provided free of charge as required for its business and, in the case of termination, will announce it on the Service screen at least 30 days before the termination date. Unless applicable laws specifically provide otherwise, the Company does not provide separate compensation for the change or termination of the Service provided free of charge.

(5) The Company may terminate all or part of the Service, including Paid Services, where there are substantial reasons such as the discontinuation of its business or a change in its business plans. In that case, the Company will announce the termination on the Service screen at least 30 days before the termination date and notify each Member using Paid Services individually, and will refund fees for the period that could not be used as provided by applicable laws.

(6) Where the content of Paid Services has been changed materially to the detriment of Members, a Member may terminate the service agreement, and in that case fees are handled as provided by applicable laws.

Article 15 (Notices to Members)

(1) The Company may give notices to Members by email, in-service notifications, posting on the Service screen and other methods.

(2) For notices to all Members, the Company may post the notice on the Service screen for at least 7 days in lieu of individual notices. However, matters that materially affect Members will be notified individually.

(3) Members must maintain an email address at which they can receive notices from the Company, and the Company is not liable for any disadvantage arising from a Member's failure to receive notices because the Member registered an incorrect email address or did not update a change. However, this does not apply where the Company is at fault.

Chapter 4 Paid Services

Article 16 (Paid Services)

The Company may provide Paid Services, and the content, fees, payment methods, Billing Periods and other details of Paid Services are posted on the payment screen or other screens.

Article 17 (Recurring Billing and Fee Changes)

(1) Paid Services are provided on a recurring billing basis and, unless the Member cancels, are renewed by automatic payment on the same terms at the end of each Billing Period.

(2) If the Company increases the fee for recurring billing, or converts a Member to paid recurring billing after a free period ends, the Company will give advance notice and obtain the Member's consent as provided by applicable laws. If the Member does not consent, the recurring billing ends at the end of the relevant Billing Period or, as the case may be, is not converted to paid recurring billing.

Article 18 (Cancellation and Refunds)

(1) Members may cancel recurring billing at any time, and upon cancellation no fees are charged from the next payment date. Even after cancellation, Members may use Paid Services until the end of the Billing Period already paid for.

(2) Fees for a Billing Period already paid for are not refunded on a pro rata daily basis for the unused period, even upon cancellation or termination of membership. However, in the case of a withdrawal of an offer under Article 19, where the Member was unable to use Paid Services for reasons attributable to the Company, or in any other case provided by applicable laws, the applicable provisions govern.

(3) Where a Member applies to terminate their membership during a Billing Period, the Company will inform the Member, before the termination, that the Member may terminate after using Paid Services until the last day of the remaining Billing Period, and of how fees are handled in the case of immediate termination. If the Member chooses immediate termination after receiving this information, fees for the remaining Billing Period are handled in accordance with paragraph (2).

(4) If a fee is charged in error, the Company will refund it in accordance with applicable laws.

Article 19 (Withdrawal of Offer)

(1) Members may withdraw their offer within the period provided in Article 17(1) of the E-Commerce Act (7 days from the date on which the Member receives the written document setting out the contract terms or, where the provision of Paid Services begins later than the receipt of that document, 7 days from the date on which provision begins). However, where the provision of Paid Services has commenced, withdrawal of the offer may be restricted under Article 17(2)(v) of the E-Commerce Act.

(2) The Company will clearly indicate, in a place where Members can easily see it, such as the payment screen, the fact that withdrawal of the offer is restricted under the proviso to paragraph (1), and will take measures such as providing a trial-use product as provided by applicable laws.

(3) Refunds upon withdrawal of an offer are made within the periods and by the methods provided by applicable laws.

Chapter 5 Rights and Obligations

Article 20 (Obligations of the Company)

(1) The Company complies with applicable laws and these Terms and endeavors to provide the Service in a stable manner.

(2) The Company takes the security measures necessary to protect Members' personal information, and discloses and complies with its Privacy Policy.

Article 21 (Obligations of Members)

(1) Members must comply with applicable laws, these Terms, the terms of use of individual services and the guidance provided by the Company.

(2) Members must enter Input Information accurately and are responsible for the results of inaccurate input.

(3) Members must not enter information that is not necessary for use of the Service, such as account numbers and passwords at financial institutions or resident registration numbers.

Article 22 (Prohibited Conduct)

(1) Members must not engage in any of the following conduct.

1. misappropriating another person's information or providing false information
2. transferring or lending an Account to a third party, or sharing an Account with a third party
3. accessing the Service or collecting the Content by automated means such as robots, scrapers or crawlers without the Company's prior consent
4. copying, distributing, selling or reselling the Content, or using it to build another service or database or to train artificial intelligence models, without the Company's prior consent
5. except as permitted by applicable laws, analyzing or reverse engineering the source code, calculation methods, algorithms or the like of the Service, or attempting to do so
6. using the Service for the purpose of developing, benchmarking or analyzing a competing service
7. circumventing or disabling the security measures of the Service, or interfering with the normal operation of the Service
8. entering content designed to interfere with or circumvent the normal operation of generative artificial intelligence features
9. using the Service to engage in conduct prohibited by applicable laws, such as market manipulation
10. infringing the intellectual property rights, reputation or other rights of the Company or third parties
11. using the Service or the Content to provide third parties with advice or information on investment decisions, or otherwise using them for business purposes, without the Company's prior written consent
12. impersonating the Company or its officers or employees, or using the Company's trade name, trademarks, service names or the like to represent that the Company recommends or guarantees particular financial investment products or investment decisions, or that the Company is affiliated with the Member
13. accessing the Service or collecting the Content through any route other than the screens or methods provided by the Company
14. any other conduct that violates applicable laws or is contrary to good morals or other social order

(2) Persons who are not Members may access the Service and view the Content only to the extent permitted by the Company, and the Company does not permit access for the purpose of the conduct described in paragraph (1)(iii) through (vii) and (xiii). The Company may block such access and take measures under applicable laws.

Article 23 (Restrictions on Use)

(1) If a Member violates these Terms or interferes with the normal operation of the Service, the Company may restrict the Member's use of the Service by means such as a warning, suspension of use or termination of the service agreement.

(2) Notwithstanding paragraph (1), where there are urgent or serious grounds, such as a violation of applicable laws, misappropriation of an Account, a security attack, or conduct described in Article 22(1)(iii) through (vii), (xi) or (xiii), the Company may immediately suspend use of the Service or terminate the service agreement without prior warning.

(3) When restricting use of the Service, the Company will notify the Member of the type of and reasons for the restriction. However, where there are unavoidable reasons that prevent advance notice, the Company may give notice afterward, and the Company may withhold matters whose disclosure could impair the security or operation of the Service, such as the methods used to identify abuse. The Member may file an objection, and if the Company finds the objection justified, it will resume the Member's use of the Service without delay.

(4) Where the service agreement is terminated for reasons attributable to the Member, fees for Paid Services are handled as provided by applicable laws.

Article 24 (Input Information)

(1) Rights to and responsibility for Input Information belong to the Member.

(2) The Member permits the Company (including any person to whom the Company has entrusted work) to store, reproduce, process and use Input Information to the extent necessary to provide, operate and improve the Service.

(3) The Company may use statistical information created by processing Input Information so that individuals cannot be identified for compiling statistics, research, improving the Service and developing new services, and this also applies after the service agreement ends.

(4) Where the Company determines that Input Information violates applicable laws or these Terms, the Company may decline to process it or may delete it.

Article 25 (Intellectual Property)

(1) All rights to the Service, the Content and the databases that constitute them, including copyrights, database producers' rights and trademark rights, belong to the Company or the legitimate rights holders. However, Input Information is excluded.

(2) The service agreement grants Members only the right to use the Service within the scope set out in these Terms, and is not to be construed as transferring the Company's rights or permitting any use not set out in these Terms.

(3) Members may use the Service only for their own personal, non-commercial purposes and, except where they have entered into a separate agreement with the Company, may not, without the Company's prior written consent, use the Content by means such as reproduction, distribution, transmission or the creation of derivative works, or allow third parties to do so. This applies regardless of whether the Content is protected under the Copyright Act. However, this does not apply to the extent permitted under Articles 28 and 30 of the Copyright Act.

(4) The Company may use opinions or suggestions regarding the Service that Members have submitted to the Company to improve and develop the Service without separate compensation.

Chapter 6 Compensation for Damages and Limitation of Liability

Article 26 (Damages)

(1) If the Company or a Member causes damage to the other party by violating these Terms, that party is liable to compensate for the damage. However, this does not apply where that party acted without intent or negligence.

(2) Where the Company receives a claim for damages, a lawsuit or another objection from a third party, or becomes subject to an investigation or the like by an administrative agency, because the Member has violated these Terms or applicable laws or otherwise for reasons attributable to the Member, the Member must hold the Company harmless at the Member's own responsibility and expense. If the Company is not held harmless, the Member must compensate the Company for the resulting damage (including reasonable attorneys' fees).

Article 27 (Limitation of Liability)

(1) The Company is not liable for damages arising from any of the following causes.

1. where the Company cannot provide the Service due to a natural disaster or equivalent force majeure
2. where an obstacle to the use of the Service arises for reasons attributable to the Member
3. investment decisions made by the Member with reference to the Content (including outputs of generative artificial intelligence), and their results
4. errors, delays or omissions in data provided by external information providers
5. failures of, or restrictions on the use of, services provided by third parties such as telecommunications carriers and providers of sign-in methods
6. damages arising from the Member's inaccurate entry of Input Information or management of the Account in violation of Article 8
7. where the Company changes or suspends the Service or restricts use of the Service in accordance with applicable laws and these Terms. However, refunds of fees provided for in these Terms are made in accordance with those provisions.
8. damages arising from unlawful access or the like by third parties even though the Company has taken all protective measures required by applicable laws
9. disputes arising between Members or between a Member and a third party

(2) Unless applicable laws specifically provide otherwise, the Company is not liable in connection with the use of the Service provided free of charge.

(3) Paragraphs (1) and (2) do not apply to damages caused by the intent or gross negligence of the Company, persons assisting the Company in the performance of its obligations, or its employees, or to any other case in which liability cannot be limited under applicable laws.

Chapter 7 Miscellaneous

Article 28 (Protection of Personal Information)

The Company protects Members' personal information in accordance with applicable laws such as the Personal Information Protection Act, and matters concerning the processing of personal information are governed by the Privacy Policy.

Article 29 (Dispute Resolution)

(1) Members may send inquiries and complaints about the Service by email (contact@swifin.app), and the Company will handle them in good faith.

(2) If a dispute arises between the Company and a Member, both parties will endeavor to resolve it through good-faith consultation, and the Member may apply for mediation to a dispute mediation body under applicable laws.

Article 30 (Governing Law and Jurisdiction)

(1) The laws of the Republic of Korea apply to these Terms and to the service agreement between the Company and Members.

(2) Lawsuits concerning disputes between the Company and Members are to be filed with the court having jurisdiction under applicable laws such as the Civil Procedure Act.

Article 31 (Transfer of Rights and Obligations)

(1) The Company may transfer the Service to a third party through a merger, division, transfer of business or the like, in which case the Company's rights and obligations under the service agreement pass to the transferee of the Service. The Company will notify Members of this in advance as provided by applicable laws.

(2) A Member who does not agree to a transfer under paragraph (1) may terminate the service agreement.

Article 32 (Survival)

Articles 22, 24(3), 25, 26, 27 and 30 remain in effect after the service agreement ends, to the extent not contrary to their nature.

Article 33 (Use Outside the Republic of Korea)

The Company provides the Service in accordance with the laws of the Republic of Korea and does not warrant that the Service is lawful or appropriate for use in regions outside the Republic of Korea. Members who use the Service in regions outside the Republic of Korea are responsible for complying with the laws of those regions.

Addenda

(1) These Terms take effect on October 23, 2026.

(2) These Terms also apply to Members who entered into a service agreement before these Terms took effect. However, provisions that are less favorable to Members than those of the previous terms apply where the procedure set out in Article 4 has been followed.

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