HANKATONG Card Service Terms & Conditions

Article 1. Purpose

These Terms and Conditions (the "Terms") govern the rights, obligations, responsibilities, conditions, procedures, and other necessary matters for users who access or use the HANKATONG Card Service (the "Service"). The Service is a Korea travel card service sold and operated globally by HANKATONG LTD, with Korea-based operational support by TTEUGEOUNCHEONGCHUN Co., Ltd. The payment system and electronic financial transaction functions are operated by i-Aurora co., Ltd. (electronic finance business registration number 02-002-00079).

The electronic financial transaction terms, settlement procedures, and payment system rules related to prepaid electronic payment functions may follow the terms and policies of i-Aurora co., Ltd., the operator of the payment system.

[Namane Electronic Financial Transaction Terms and Conditions]
https://en.namanecard.com/terms-for-electronic-financial-transactions

Article 2. Definitions

The terms used in these Terms have the following meanings.

• "HANKATONG Card" means a prepaid electronic payment card provided through the Service for transportation, payment, recharge, refund, and related service use in Korea.
• "HANKATONG Card Service" or "Service" means the comprehensive service through which users may purchase, receive, register, recharge, pay with, refund, manage, and check usage history for the HANKATONG Card through the website, application, customer center, distribution partners, or other channels designated by the Company.
• "Company" means HANKATONG LTD and TTEUGEOUNCHEONGCHUN Co., Ltd., depending on the relevant sales, operation, support, partnership, or customer-facing context.
• "Payment System Operator" means i-Aurora co., Ltd., which operates the payment system and electronic financial transaction functions connected to the HANKATONG Card.
• "User" means a person who lawfully purchases, receives, registers, or uses the HANKATONG Card or the Service.
• "Member" means a user who registers for the Service through the application, website, or other channel designated by the Company.
• "Non-member" means a user who uses limited Service functions without completing membership registration.
• "Affiliate" means a merchant, card receiving point, distribution partner, communications partner, benefit partner, or other partner that has entered into a separate agreement with the Company or the Payment System Operator.
• "Recharge" means storing monetary value on the HANKATONG Card through the HANKATONG Card Service, application, website, or other channel designated by the Company.
• "Payment" means using the HANKATONG Card balance to purchase goods or services at available merchants or affiliates.
• "Refund" means returning the remaining balance of the HANKATONG Card according to the method and procedure designated by the Company or the Payment System Operator.

Terms not defined in this Article shall be interpreted according to applicable laws, electronic financial transaction terms, affiliate terms, and customary commercial practice.

Article 3. Effect and Amendment of Terms

These Terms apply to all users who purchase, receive, register, or use the HANKATONG Card or the Service in a lawful manner.

The Company may provide these Terms by posting them on the website, application, service screen, email, electronic document, or another reasonable method.

If the Company changes these Terms, the Company will announce the changed terms, effective date, and reason for change through the website, application, or another reasonable method before the effective date. If a change is required urgently due to law, regulation, security, payment system rules, or business reasons, the Company may notify users after the change to the extent permitted by applicable law.

If a user does not agree to the changed Terms, the user may stop using the Service and request termination according to the procedure designated by the Company. Continued use of the Service after the effective date may be deemed acceptance of the changed Terms.

Article 4. Matters Outside These Terms

Matters not specified in these Terms shall be governed by applicable laws and regulations, including laws related to electronic financial transactions, consumer protection, e-commerce, personal information protection, information network use, telecommunications, and other applicable rules, as well as individual service guides, affiliate terms, and payment system policies.

Article 5. Application for Service Use

A service use contract is formed when a user lawfully purchases, receives, registers, or uses the HANKATONG Card or agrees to these Terms through a channel designated by the Company.

The Company may refuse, suspend, or cancel service use if any of the following applies: false information is submitted, another person's information is used, required information is omitted or incorrect, security or technical issues prevent service provision, prior service restriction history exists, the user violates these Terms, or the user does not meet the standards required by the Company, the Payment System Operator, affiliates, or applicable law.

Some services may require additional procedures, eligibility checks, or separate terms. The available scope of service may differ depending on user status, card type, service channel, country, affiliate, or payment system policy.

Article 6. Service Use, Change, and Interruption

The Service is generally available 24 hours a day, 365 days a year. However, all or part of the Service may be restricted, changed, delayed, or suspended in the event of maintenance, inspection, development, system failure, excessive traffic, power outage, security incident, termination or change of contracts with affiliates or business partners, payment system issues, legal or regulatory requirements, natural disasters, national emergency, or other unavoidable reasons.

When possible, the Company will notify users in advance of the reason, timing, and expected duration of service restriction, change, or interruption. If advance notice is difficult due to reasons beyond the Company's control, notice may be provided afterward.

Article 7. Recharge

Users may recharge the HANKATONG Card by using cash, card payment, account transfer, or another payment method recognized by the Company or the Payment System Operator through the HANKATONG Card Service, application, website, affiliate channel, or other designated channel.

The available recharge method, currency, fee, limit, processing time, and cancellation method may differ depending on service channel, user status, payment method, affiliate, card type, and payment system policy.

The Company or a third party designated by the Company may charge fees for recharge, payment, refund, card issuance, card replacement, overseas payment, currency conversion, or other service processing where permitted by law and policy.

No interest is paid on the charged balance of the HANKATONG Card.

Article 8. Balance Transfer and Remittance

If balance transfer, remittance, or similar functions are provided, users may transfer all or part of the HANKATONG Card balance within the limits and procedures designated by the Company or the Payment System Operator.

Users must accurately enter recipient information or card information when using transfer or remittance functions. The Company is not responsible for losses caused by information incorrectly entered by the user, except where otherwise required by applicable law.

Availability of transfer or remittance functions may be limited or changed depending on user status, legal requirements, risk control, payment system policy, or service availability.

Article 9. Payment Method Registration and Direct Debit

If the Service allows users to register a payment method or use direct debit or automatic recharge, the user must complete the consent and registration procedure designated by the Company, the Payment System Operator, or the relevant financial institution.

Users may withdraw consent or remove a registered payment method according to the method provided through the Service. Withdrawal of consent does not affect transactions already processed before the withdrawal is completed.

Minors or users who do not meet legal or service eligibility requirements may be restricted from using direct debit, automatic recharge, or payment method registration.

Article 10. Refunds, Validity, and Balance Handling

The validity period, refund procedure, refund method, refund fee, required identification, and refund limit for the HANKATONG Card are determined according to the policies of the Company, the Payment System Operator, the card service provider, affiliates, and applicable law.

Refunds may be processed by account refund, payment cancellation, card balance transfer, or another method designated by the Company or the Payment System Operator. Transportation card balance, payment balance, promotional balance, coupon, reward, or benefit may be handled differently depending on the applicable operator and policy.

The Company may refuse or delay refund processing if the user fails to provide required information, the card is suspected of fraud or abnormal use, the balance source cannot be verified, legal or payment system restrictions apply, or another legitimate reason exists.

Promotional benefits, rewards, coupons, and free benefits may expire, be cancelled, or be excluded from cash refund according to the relevant benefit policy.

Article 11. Limitation, Suspension, and Termination of Service

The Company may restrict, suspend, or terminate a user's access to the Service if the user violates these Terms, uses another person's information, interferes with service operation, conducts abnormal transactions, attempts cash conversion or illegal resale, abuses benefits, engages in fraud, causes security risk, violates law, or uses the HANKATONG Card in a method not recognized by the Company or the Payment System Operator.

Users may request termination of the service use contract according to the procedure designated by the Company. Upon termination, certain benefits, rewards, coupons, or additional services may expire or be processed according to separate policies.

Article 12. Additional Services

The Company may provide additional services such as card purchase, card registration, card management, balance inquiry, usage history inquiry, recharge, refund request, benefit confirmation, coupon or cashback management, loss report, temporary lock, customer support, communications products, or other travel-related services.

The details, eligibility, fees, limits, available time, and termination procedure for each additional service may be announced separately through the website, application, service screen, or customer center.

Article 13. Obligations of the Company

The Company will make commercially reasonable efforts to provide the Service continuously and stably, except where service restriction, interruption, or change is necessary or unavoidable.

The Company will comply with applicable laws related to consumer protection, electronic commerce, electronic financial transactions, personal information protection, information network use, telecommunications, and other relevant matters.

When the Company needs to notify users, it may do so by website notice, application notice, email, message, push notification, customer center notice, or another reasonable method.

Responsibility for electronic financial transaction accidents, loss or theft reports, forged or altered access media, and unauthorized access shall be handled according to applicable law, electronic financial transaction terms, and the policies of the Payment System Operator.

Article 14. Obligations of Users

Users must provide accurate information when using the Service and must manage their card, account, password, device, access medium, and authentication information with due care.

Users must not engage in any of the following acts: submitting false information, using another person's information, transferring or lending access media unlawfully, disrupting service operation, abusing the refund or benefit system, using the Service for illegal cash conversion or speculative transactions, spreading malware, infringing intellectual property rights, harming others, violating laws or public order, or using the Service in a way not approved by the Company.

If the Company suffers damage due to a user's violation of these Terms or illegal act, the user may be liable for such damage.

Article 15. Information, Notices, and Advertisements

The Company may provide service notices, operational information, affiliate information, benefit information, and advertisements through the website, application, service screen, email, message, or push notification where permitted by law or user consent.

Transactions or communications between users and advertisers or affiliates are separate legal relationships between those parties, unless the Company is directly a party to the transaction.

Article 16. Transaction History and Error Correction

The Company, the Payment System Operator, or affiliates may collect and retain minimum transaction information necessary for settlement, verification, error correction, customer support, fraud prevention, legal compliance, and service operation. Such information may include card number, transaction date and time, amount, terminal, merchant, recharge, payment, refund, and service use history.

Users may check available transaction history through the application, website, customer center, or another method designated by the Company. Non-members or anonymous card users may have limited access to transaction history and may be required to complete a verification procedure.

If a user finds an error in transaction history, the user may request correction through the customer contact listed in these Terms. The Company will review the request and notify the user of the result within a reasonable period according to applicable law and policy.

Article 17. No Agency or Guarantee

The Company does not represent users, merchants, affiliates, advertisers, or third parties in transactions between them unless expressly stated otherwise.

When the Service provides access to a third-party service, merchant, affiliate benefit, communications product, or external content, the provider of that service or content is responsible for its own service. The Company does not guarantee the quality, safety, legality, truthfulness, completeness, availability, or suitability of third-party services or information unless required by applicable law.

Article 18. Personal Information

The Company handles users' personal information according to applicable personal information protection laws and the Company's Privacy Policy.

Personal information may be collected, used, provided, or entrusted to third parties where necessary for service provision, payment processing, card issuance, recharge, refund, customer support, fraud prevention, legal compliance, affiliate service provision, or with user consent.

Details regarding personal information processing are provided in the Privacy Policy.

Article 19. Intellectual Property

All intellectual property rights related to the Service, including text, design, software, interface, logo, brand, content, and service materials, belong to the Company, affiliates, partners, licensors, or other rightful owners.

Users may not reproduce, distribute, modify, transmit, sell, lease, publish, reverse engineer, or otherwise use service materials for commercial purposes without prior consent from the rightful owner.

Article 20. Disclaimer

The Company is not responsible for damages caused by force majeure, user fault, third-party service failure, affiliate dispute, telecommunications network failure, payment system restriction, legal or regulatory restriction, or other reasons not attributable to the Company.

The Company is not responsible for disputes between users and merchants, affiliates, advertisers, or third parties, unless the Company is directly responsible under applicable law or contract.

Users are responsible for making final decisions based on information obtained through the Service.

Article 21. Dispute Handling and Mediation

Users may submit opinions, complaints, refund inquiries, error correction requests, loss reports, or damage claims through the customer contact listed in these Terms or the customer center provided through the Service.

The Company will process user complaints promptly. If immediate processing is difficult, the Company will notify the user of the reason and expected schedule.

If a dispute cannot be resolved through consultation, the user may apply for mediation or relief through the competent consumer protection, financial dispute mediation, or other relevant authority according to applicable law.

Article 22. Contact and Jurisdiction

If a dispute arises between the Company and a user in relation to the Service, both parties will try to resolve the dispute through good-faith consultation. If the dispute cannot be resolved, jurisdiction shall be determined according to applicable law and the competent court rules.

Supplementary Provisions

Article 1. Effective Date

These Terms take effect on June 6, 2026.

Article 2. Interpretation Standard

These Terms are provided in English as the standard customer-facing version for HANKATONG's international users. If any translated version is provided for convenience, the English version shall prevail unless otherwise required by applicable law.