Terms of Service
1. Purpose
These Terms set out the rights and obligations of members, the operator and sellers when using this service.
2. Definitions
- Operator: the business that builds and runs this service. Its details appear at the end of this document.
- Author (seller): the person or business that writes in a channel and sells paid subscriptions.
- Member: anyone who has signed up for this service.
- Paid subscription: a product you pay for each period to read a channel's paid posts.
- Paid content: the part of a post below the paywall divider, including its images and files.
3. Publishing and changing these Terms
You can read these Terms in the service at any time.
We post changes in Notices at least 7 days before they take effect. Changes that are unfavorable to members are posted at least 30 days ahead and also sent to your account email.
If you don't agree to the changes, you can cancel your subscription or close your account before they take effect.
4. Sign-up and accounts
- You can sign up with an email and password or a Google account if you are at least 14 years old.
- Billing and renewal notices go to your account email, so please use an address you can receive mail at.
- An account is for you alone and may not be shared.
- One account can stay logged in on up to 3 devices. Beyond that, the oldest device is logged out.
- After 10 wrong passwords, login is blocked for 15 minutes.
5. The service and the seller
The operator provides a platform for publishing posts and selling subscriptions. The seller and contracting party for a paid subscription is the channel's author.
Payments go through PayPal directly to the author's PayPal account. The operator does not receive or distribute these funds.
The author is responsible for the content of posts. Seller details are shown on the channel page.
6. Subscriptions and payment
- Subscriptions are monthly or yearly and are paid through PayPal.
- Prices are shown and charged in US dollars (USD) in every country. If you pay in another currency, PayPal converts it and conversion costs may apply.
- [Whether displayed prices include tax: to be stated after tax review]
- PayPal handles card and account details. This service does not receive them.
- Before payment, we show the price, billing period, auto-renewal and how to cancel, and we record your consent.
- Paid content opens once your first payment is confirmed, which may take a moment.
7. Auto-renewal
Your subscription is charged automatically every selected period until you cancel.
For yearly subscriptions, we email the price, renewal date and how to cancel 35 days before renewal.
If you don't want to renew, cancel any time up to just before the renewal date.
8. Failed payments
If a renewal payment fails, we let you know by email. You can keep reading while PayPal retries the payment.
If all retries fail and the subscription is suspended, access ends immediately. If your first payment fails, paid content does not open.
9. Changing plans
You can switch between monthly and yearly in My Page. We show the new price, billing period and when the change applies, ask for your consent, and the change takes effect once you approve it on PayPal.
Plans can't be changed while a payment is being retried, after you cancel, or when the channel has closed sales.
10. Price changes
New prices apply to new subscribers first.
To raise the price for an existing subscriber, we give notice in advance and ask for explicit consent. Silence is not treated as consent.
11. Cancellation
- You can cancel online in My Page at any time.
- When you cancel, your PayPal subscription ends right away and you won't be charged again. You can keep reading until the end of the period you paid for.
- If you cancel while a payment is being retried, access ends at that moment.
- Cancellation can't be undone. To read again, you need to subscribe again.
12. Withdrawal and refunds
Withdrawal and refunds follow the Refund Policy. Canceling does not by itself return money you have already paid.
13. Copyright and permitted use
Copyright in posts, images and files belongs to the author or the original rights holder. A subscription only gives you the right to read for yourself.
You may not use all or part of the paid content in these ways:
- Copying, capturing, photographing or recording it to send to others or post it
- Reselling it or providing it for payment
- Collecting it with automated tools or using it to train artificial intelligence
Violations may lead to removal requests, restrictions on your account or cancellation of your subscription. Rights holders may claim damages under copyright law.
Copying and printing are limited in paid sections, and opening many new posts in a short time may temporarily block reading.
Previews and free posts may be quoted with attribution as far as the law allows.
14. Investment information
- Posts in investment channels are information provided to the general public. They are not advice tailored to your finances or one-to-one consulting.
- Returns are not guaranteed and you can lose principal. You are responsible for your investment decisions and their results.
- Channels reported as similar investment advisers take payments only after their report is accepted, and they do not offer interactive features such as comments, replies or secret comments.
- The operator does not write posts or give investment advice.
16. Prohibited conduct
- Signing up or paying with someone else's information
- Sharing or selling an account
- Disrupting the service or bypassing access checks
- Posting illegal content, defamation, hate speech or spam
- Misusing payments
17. Restrictions
If you violate these Terms, the operator may restrict your use for 7 days, 30 days or indefinitely, depending on the violation. We tell you the reason, and you can object through the contact below.
18. Closing your account
You can close your account in My Page or through the contact below. Please cancel any active subscription first. The Privacy Policy explains what happens to your information afterwards.
19. Service changes and interruptions
The service may pause for maintenance or outages. We announce it in advance when we can.
If the service ends or a channel stops selling, we give notice in advance and refund the remaining period if we can't provide what you paid for.
20. Limits of liability
The operator and sellers are not liable for damage from events beyond their control, such as natural disasters, or for gains and losses from your investment decisions, unless caused by intent or gross negligence.
This clause does not reduce the rights consumers have by law.
21. Governing law and disputes
These Terms are governed by the laws of the Republic of Korea, and disputes go to the court determined by the relevant law. Consumers living in other countries keep the protection of mandatory rules in their country.
If language versions differ in meaning, the Korean version prevails.
15. Comments and posts by members
Comments depend on the channel. Paid subscribers can write them and anyone can read them, except secret comments.
Secret comments can be seen only by their writer and the post's author. If one is reported, the operator may open it to handle the report, and that access is logged.
Writers are responsible for what they post. Authors can hide comments in their own channel, and the operator can hide content or restrict use when handling reports.