The purpose of these Terms and Conditions is to set forth the rights and obligations between Danal Co., Ltd. (hereinafter referred to as the “Company”) and the User regarding the use of the KONDA Money Service provided by the Company.
The definitions of the terms used in these Terms and Conditions are as follows. Any terms not otherwise defined in this Article or elsewhere in these Terms and Conditions shall be governed by the applicable laws and regulations, including the Electronic Financial Transactions Act.
1.“KONDA Money Service” means the service for the issuance and management of Prepaid Electronic Payment Instruments provided by the Company to Users.
2.“Prepaid Electronic Payment Instrument” means KONDA Money and KONDA Points issued by the Company.
3.“KONDA Money” (hereinafter referred to as “Money”) means a Prepaid Electronic Payment Instrument that may be loaded by the User through payment made directly to the Company or through other means and used at Merchants.
4.“KONDA Points” (hereinafter referred to as “Points”) means a Prepaid Electronic Payment Instrument granted free of charge through events or similar activities and usable at Merchants.
5.“KONDA Card” (hereinafter referred to as the “Card”) means a physical card issued by the Company, as well as information related thereto, which enables Users to make payments using Prepaid Electronic Payment Instrument by presenting the Card to Merchants.
6.“KONDA Application” (hereinafter referred to as the “Application”) means the application software operated by the Company that allows Users, through Electronic Apparatuses, to apply for card issuance, register cards, and view usage history.
7.“User” means a person who agrees to these Terms and Conditions and pays the consideration for goods or services purchased from Merchants by using Prepaid Electronic Payment Instrument as a means of payment.
8.“Electronic Financial Transaction” means any transaction whereby the Company provides the KONDA Money Services through Electronic Apparatuses and the Users use them in a non-facing and automated manner without any direct contact with employees of the Company.
9.“Electronic Apparatus” means any apparatus used to transmit or process electronic financial transaction information through electronic means, such as a computer, telephone, or other devices that transmit or process information through electronic means.
10.“Means of Access” means any means or information falling under any of the following items which is used to issue a transaction request in Prepaid Electronic Payment Instrument transactions or to secure the authenticity and accuracy of the users and the details of such transaction:
a.Electronic cards or equivalent electronic information;
b.Electronic signature creating key and certificate referred to the Digital Signature Act;
c.User number registered with the Company;
d.The User’s biological information;
e.Passwords required to use the means or information set forth in items (a) or (b).
11.“Merchant” means any of the following:
a.A person who provides goods or services to members in transactions involving Prepaid Electronic Payment Instrument;
b.A person who, pursuant to an agreement with the Company, conducts transactions involving Prepaid Electronic Payment Instrument on behalf of another party that provides goods or services to Users.
12.“Load” means the purchase of Money by the User, through payment of a specified consideration using a payment method designated by the Company, in order to secure a certain amount of Money.
13.“Accrual” means the granting of Points by the Company to a User when the User satisfies the conditions determined by the Company through activities in the Company’s or its partners’ services.
14.“Refund” means the return, upon the User’s request, of the requested amount within the remaining balance of Money to the User in accordance with the methods and procedures prescribed by the Company.
15.“Fee” means any cost imposed on a User in accordance with the standards determined by the Company in the process of loading, refunding, or otherwise using Money.
16.“Partner” means an entity that operates kiosks through which Users may apply for the KONDA Money Service or card issuance, a currency exchange operator, an operator of automated teller machines that enable refunds, a provider of transportation card functions, or any similar entity.
①The Company shall clarify these Terms and Conditions to Users and, upon a User’s request, shall provide a copy of the Terms and Conditions by electronic document transmission (including transmission by email), facsimile, postal mail, or direct delivery.
②If a User requests an explanation of these Terms and Conditions, the Company shall explain the material provisions of the Terms using any one of the following methods:
1.Directly explaining the material provisions of the Terms and Conditions to the User;
2.Displaying an explanation of the material provisions in an easily understandable manner through Electronic Apparatuses and receiving, through Electronic Apparatuses, the User’s indication of consent confirming that the User has sufficiently understood such contents.
①Where the Company amends these Terms and Conditions, it shall post the amended Terms at least one (1) month prior to the effective date thereof on the Application or the Company’s website (hereinafter referred to as the “Application, etc.”) and notify Users (provided that, in the case of Users issued anonymous cards, such notification shall be limited to Users whose information exists through registration in the Application). If the User raises an objection, the Company shall confirm to the User, by an appropriate method, that notice of the amendments to the Terms and Conditions has been duly provided.
②Notwithstanding Paragraph 1, where the Company urgently amends these Terms and Conditions due to amendments to applicable laws or regulations, the Company shall post the amended Terms on Electronic Apparatuses for at least one (1) month and notify Users (provided that, in the case of Users issued anonymous cards, such notification shall be limited to Users whose information exists through registration in the Application).
③When posting or notifying Users of the amended Terms and Conditions pursuant to Paragraphs 1 and 2, the Company shall notify Users to the effect that:“Users may terminate the contract from the date on which the amended Terms and Conditions are posted or notified until the business day immediately preceding the effective date of the amended Terms and Conditions, and if a User does not raise an objection to the amendments, such User shall be deemed to have approved the amended Terms and Conditions.”
④Users may terminate these Terms and Conditions from the date on which the amended Terms and Conditions are posted or notified until the business day immediately preceding the effective date thereof. If a User does not raise an objection to the amendments, the User shall be deemed to have approved the amended Terms and Conditions.
①The Company shall enable Users to confirm their transaction details through the Application, etc., and, upon a User’s request, shall provide the relevant information by email or by direct delivery within two (2) weeks.
②If the provision of information under the preceding Paragraph is not possible due to operational failure of the Application, etc., or other comparable reasons, the Company shall immediately notify the User of such reasons by email or by the method requested by the User (including telephone or in-person communication). In such case, the relevant period shall not be included in the two (2)-week preparation period for providing the information.
③Among the transaction details subject to Paragraph 1, the transaction details for which the retention period is five (5) years are as follows:
1.Information indicating the type, amount, date and time of the transaction, and the counterparty to the transaction;
2.The type of Electronic Apparatus and information capable of identifying such Electronic Apparatus;
3.Fees received by the Company as consideration for transactions using Prepaid Electronic Payment Instrument;
4.Access records of Electronic Apparatuses related to transactions using Prepaid Electronic Payment Instrument;
5.Matters concerning applications for transactions using the Prepaid Electronic Payment Instrument and changes to the terms and conditions thereof;
6.Records of transactions using Prepaid Electronic Payment Instrument where the amount per transaction exceeds KRW 10,000.
④Among the transaction details subject to Paragraph 1, the transaction details for which the retention period is one (1) year are as follows:
1.Records of transactions using Prepaid Electronic Payment Instrument where the amount per transaction is KRW 10,000 or less;
2.Records concerning transaction authorizations related to the use of Prepaid Electronic Payment Instrument.
3.Matters regarding the User's request for error correction and the processing results thereof
⑤The User may request the provision of information under Paragraph 1 to the following address and telephone number:
- Address: 9F, First Tower, 55 Bundang-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea
- Email Address: konda@danal.co.kr
- Telephone Number: 1644-4317
Where a User makes a payment of funds using a Prepaid Electronic Payment Instrument, the User may withdraw the transaction instruction until the information on the instructed amount reaches the Electronic Apparatus designated by the recipient.
①Where a person who intends to use the KONDA Money Service agrees to these Terms and Conditions and submits an application in accordance with the procedures prescribed by the Company, the Company shall, after review in accordance with its internal standards, grant the right to use the KONDA Money Service, thereby forming a service agreement. Provided, however, that where verification of the User’s real name as prescribed in Article 2, Paragraph 4 of the Act on Real Name Financial Transactions and Guarantee of Secrecy is required for an increase in the loading limit, the Company may request separate real-name verification and identity authentication from the User.
②Where the Company enters into a service agreement for the KONDA Money Service, it shall post specific details such as the method of use and usage limits on the Application, the Company’s website, or other similar platforms.
③Where the User fails to accurately and truthfully provide the application information, the User may be restricted from using all or part of the KONDA Money Service, either prior to or after the provision of the service.
The Company may refuse to accept an application to use the KONDA Money Service if any of the following applies:
1.Where the application contains false information, omissions, or typographical errors
2.Where provision of the service is technically impossible
3.Where the applicant is under fourteen (14) years of age
4.Where the application is made under a corporate name
5.Where the application otherwise violates these Terms and Conditions or constitutes an unlawful or improper application
①The Company may temporarily suspend the provision of the KONDA Money Service where system maintenance or similar work is required. In such case, the Company shall post notice of the scheduled suspension of the KONDA Money Service on the Application or the Company’s website (hereinafter, the “Application, etc.”) and notify Users by email at least thirty (30) days in advance (provided that, in the case of Users who have been issued an anonymous card, such notice shall apply only where the User’s information exists upon registration in the Application). In addition, the Company shall notify Users of the resolution of the cause for the temporary suspension through the same methods within twenty-four (24) hours after such cause has been resolved.
②Notwithstanding Paragraph 1, the Company may temporarily suspend the provision of the KONDA Money Service without prior notice in any of the following cases. In such cases, the Company shall notify Users of the suspension of the Service through the method set forth in Paragraph 1 within twenty-four (24) hours:
1.Where urgent system maintenance, inspection, or similar work is required;
2.Where a communications failure, power outage, or similar event occurs;
3.Where a disruption in the provision of the KONDA Money Service occurs due to a sudden increase in usage;
4.Where there is a risk of damage to the Company or Users due to hacking or similar incidents.
③Where the cause for a temporary suspension of the KONDA Money Service under Paragraph 2 has been resolved, the Company shall immediately resume the KONDA Money Service and notify Users of such resumption in accordance with the method set forth in Paragraph 1.
①A User may, at any time, apply to the Company for suspension of the use of the KONDA Money Service through the Application, customer service center, or other designated channels for any of the following reasons, and the Company shall process such request without delay:
1.Where another person has entered into or is using a service agreement by fraudulently using the User’s identity;
2.Where the KONDA Money Service or a Means of Access has been hacked, stolen, forged, or altered;
3.Where the KONDA Money Service or a Means of Access has been lost or stolen;
4.Where the User otherwise determines that a temporary suspension of the KONDA Money Service is necessary.
②Where a User applies for suspension of use pursuant to Paragraph 1, the Company shall notify the User of the time of the suspension request and other relevant details via email or through the method by which the User contacted the Company (including telephone or in-person contact), and the User shall confirm such information.
③The Company may suspend a User’s use of the KONDA Money Service where any of the following circumstances apply. In such case, the Company shall notify the User (provided that, in the case of Users who have been issued an anonymous card, such notice shall apply only where the User’s information exists upon registration in the Application) within twenty-four (24) hours by email or other appropriate means, specifying the fact and reasons for the suspension, the objection period, and the methods and procedures for filing an objection:
1.Where it becomes difficult to achieve the purpose of the contract due to the User’s intentional misconduct or gross negligence in violation of applicable laws or these Terms and Conditions;
2.Where the User has falsely stated material required information in the application or has failed to notify the Company of changes to such information.
3.Where the User uses the KONDA Money Service by misappropriating another person’s name or personal information;
4.Where the User sells, transfers, or provides a Means of Access to another person for the purpose of collateral or security;
5.Where the Company becomes aware of the occurrence of hacking, theft, forgery, alteration, loss, or similar incidents involving the KONDA Money Service or a Means of Access;
6.Where the Company has been subject to hacking or similar external attacks and there is a risk that damage may be caused to Users.
④Where it is confirmed that any of the grounds for suspension set forth in Paragraph 1 have been resolved, the Company shall immediately take necessary measures to allow the User to resume use of the KONDA Money Service and shall notify the User of the resumption of use via email or other appropriate means (provided that, in the case of Users who have been issued an anonymous card, such notice shall apply only where the User’s information exists upon registration in the Application).
①A User may apply for termination of the use agreement with the Company at any time through the Application, customer service center, or other designated channels, and the Company shall process such request without delay in accordance with applicable laws and regulations.
②Where termination is effected at the User’s request, the Company shall notify the User of the time of the termination request and other relevant details via email or through the method by which the User contacted the Company (including telephone or written delivery), and the User shall confirm such information.
③Where the Company has suspended a User’s use of the KONDA Money Service for any of the reasons set forth in Article 10, Paragraph 3, Subparagraphs 1 through 5, and the User fails to remedy the grounds for suspension within fourteen (14) days despite having been notified of such grounds, the Company may terminate the use agreement.
④Where the use agreement is terminated pursuant to Paragraph 3, the Company shall notify the User of such termination by email or other appropriate means, specifying the reason for termination, the objection period, and the methods and procedures for filing an objection (provided that, in the case of Users who have been issued an anonymous card, such notice shall apply only where the User’s information exists upon registration in the Application). If the User fails to file an objection within fourteen (14) days from receipt of the notice of termination, the termination of the use agreement shall become final.
①A User may load Money using cash, credit cards, or other payment means designated by the Company.
②Money loaded through payment means designated by the Company shall be loaded in the amounts specified for each payment means as set forth in Paragraph 1. Provided, however, that loading may be restricted in accordance with the standards of the payment service provider, and the Company shall notify Users of such standards through the Application, etc.
③Where Money is loaded through payment means designated by the Company, the Company may impose a loading fee depending on the payment means used.
④A User may accrue Points by participating in events or otherwise satisfying the conditions determined by the Company.
⑤Where a transaction, activity, or contract that gave rise to the accrual of Points is cancelled, any Points already accrued shall also be cancelled. If such Points cannot be cancelled due to having already been used, the corresponding amount shall be deducted from Points to be accrued in the future or from Points currently held by the User. Provided, however, that where the User does not have sufficient Points, the amount may be deducted from Money to be loaded in the future or from Money currently held by the User.
⑥When loading Money at a kiosk, a User may exchange currency through a Partner and then load Money, and matters relating to currency exchange shall be governed by the terms and conditions of the relevant Partner.
⑦The Company shall establish operational policies regarding the loading and accrual of Money and Points and shall provide notice thereof through the Application, etc.
①A User may use Money and Points in accordance with the period and methods determined by the Company.
②A User may use Money and Points as a means of payment when purchasing goods or other items at Merchants.
③Money and Points shall be deducted immediately upon completion of the purchase of goods or other items.
④Where a User cancels a purchase of goods or other items paid for using Money and/or Points, the Company shall, in principle, reload the Money and/or Points used at the time of purchase.
⑤Where the Company reduces the number of Merchants or changes the conditions of use to the disadvantage of Users, the Company shall notify Users at least one (1) month prior to the date of such reduction or change, and such notice shall include the fact that Users may request a refund of the entire remaining balance pursuant to Article 14, Paragraph 4, Subparagraph 4 (provided that, in the case of Users who have been issued an anonymous card, such notice shall apply only where the User’s information exists upon registration in the Application).
⑥The Company shall establish operational policies regarding the use and deduction of Money and Points and shall provide notice thereof through the Application, etc.
①Where a User requests cancellation of a load within seven (7) days from the date of loading Money, the load may be cancelled. In such case, the Company shall cancel the payment through the relevant payment means, or where cancellation is not possible due to the payment means system, refund the full amount loaded to the User. Provided, however, that where all or part of the Money has been used, load cancellation shall not be permitted and the User shall request a refund from the Company.
②A User may request a refund of Money held by the User, and the Company shall refund the entire remaining balance after deducting the refund fee.
③Details regarding whether a refund fee is imposed and the standards for imposing such fee shall be announced in advance through the Application, etc. Provided, however, that where a new fee is imposed or an existing fee is changed, the Company shall announce such change through the Application, etc. and notify Users individually at least one (1) month prior to its implementation.
④Notwithstanding Paragraphs 2 and 3, in any of the following cases, the Company shall refund the entire balance recorded in the Money without deducting a refund fee:
1.Where the User is unable to use the Money because it is difficult for Merchants to provide goods or services due to force majeure events such as natural disasters;
2.Where Merchants are unable to provide goods or services due to defects in the Money;
3.Where at least sixty percent (60%) of the balance recorded at the time of the final load has been used (or eighty percent (80%) where the balance is KRW 10,000 or less);
4.Where the Company reduces the number of Merchants or changes the conditions of use to the disadvantage of Users; provided, however, that this shall not apply where there are legitimate grounds pursuant to Article 11-2 of the Enforcement Decree of the Electronic Financial Transactions Act, including the closure of the Merchant or expiration of the Merchant agreement term.
⑤Notwithstanding Paragraphs 1 through 5, Points shall be excluded from refund eligibility.
⑥In the case of a refund pursuant to Paragraph 4, Subparagraph 4, the Company shall post information regarding such refund through the Application, etc. for at least one (1) month from the date on which the reduction of Merchant or change in conditions of use takes effect.
⑦The Company shall establish operational policies regarding refunds of Money and shall provide notice thereof through the Application, etc.
①The statute of limitations for Money issued by the Company shall be five (5) years (sixty (60) months) from the date of purchase, the date of the final load, or the date of final use, and a User may use Money only within the statute of limitations determined by the Company. Provided, however, that where the Company voluntarily permits the use of Money, the statute of limitations shall not apply.
②The Company shall notify Users of the material matters regarding the statute of limitations, including the fact that the Prepaid Electronic Payment Instrument may not be used or refunded after the completion of the statute of limitations, at the time of the transaction in the form of a pop-up, a summary consent form, or other similar format.
①The Company may set the validity period of Money to a period of at least one (1) year from the date of purchase, the date of the final load, or the date of final use. Where no separate validity period is set, the statute of limitations period set forth in Article 15 (five (5) years) shall be deemed to be the validity period.
②A User may request an extension of the validity period prior to its expiration, and upon receiving such request, the Company shall extend the validity period in increments of at least three (3) months, unless there is a special reason not to do so. Provided, however, that Points shall not be subject to this Paragraph.
③The Company shall notify Users at least three (3) times, including a notice one (1) year prior to the expiration of the validity period, of the upcoming expiration, whether and how the validity period may be extended, via email or other means (provided that, in the case of Users who have been issued an anonymous card, such notice shall apply only where the User’s information exists upon registration in the Application). Provided, however, that Points shall not be subject to this Paragraph.
④Notwithstanding Paragraphs 1 through 3, the Company may separately set the validity period for Points, and shall individually notify Users via email or other means of Points scheduled to expire prior to the expiration of the validity period (provided that, in the case of Users who have been issued an anonymous card, such notice shall apply only where the User’s information exists upon registration in the Application).
⑤Where a User requests termination of the use agreement, the Company shall, prior to termination, provide information regarding the balance of Money and Points, validity periods, methods of use, and refund methods (provided that Points are excluded from refund eligibility).
①The Company shall set the maximum holding limit for Prepaid Electronic Payment Instrument at KRW 2,000,000 per verified real-name holder, and KRW 500,000 where real-name verification has not been completed. Provided, however, that holding limits may be reduced in accordance with the Company’s policies, and the Company shall provide advance notice thereof.
②Notwithstanding Paragraph 1, where a foreign tourist has completed identity verification in accordance with applicable laws and regulations, the Company may set the holding limit for Prepaid Electronic Payment Instrument at KRW 1,000,000.
③Monthly cumulative payment amounts and payment limits for each payment means may be restricted in accordance with the Company’s policies and the standards of payment service providers, and the Company shall provide notice of such standards through the Application, etc.
①The Company shall separately manage an amount equivalent to one hundred percent (100%) or more of Users’ prepaid funds through a Prepaid Funds Management Institution, such as a bank, by any of the following methods:
1.Trust;
2.Deposit;
3.Payment guarantee insurance with the User as the insured.
②Prepaid funds separately managed pursuant to Paragraph 1 shall constitute the User’s property, and Users holding claims to such prepaid funds shall have the right to receive preferential repayment over other creditors with respect to the assets separately managed as prepaid funds by the Company.
③Where any of the following occurs, the Company shall immediately notify the Prepaid Funds Management Institution thereof and, upon the User’s request, ensure that prepaid funds are paid to the User with priority through such institution. In such case, the Company shall, in consultation with the Prepaid Funds Management Institution, publicly announce, within one (1) month from the date on which the relevant event occurred, the reason for payment, timing, method of payment, and other matters related to the payment of prepaid funds in at least two daily newspapers, and shall post such information through the Application, etc.
1.Where authorization or registration has been cancelled or revoked.
2.Where a resolution for dissolution has been adopted;
3.Where a bankruptcy order has been issued;
4.Where an order has been issued to suspend all business related to the issuance and management of Prepaid Electronic Payment Instrument;
5.Where any event equivalent to those set forth in subparagraphs 1 through 4 occurs.
④Where a User intends to claim payment of separately managed prepaid funds pursuant to paragraph 3, the User shall submit a written request to the Prepaid Funds Management Institution stating the following information:
1.Information identifying the User or the Prepaid Electronic Payment Instrument;
2.Information regarding the account to which the prepaid funds are to be paid.
⑤Where the Company is required to pay prepaid funds to a User pursuant to paragraph 3, the Company may provide the Prepaid Funds Management Institution with the following information relating to such User:
1.User identification information;
2.Information regarding the prepaid funds to be paid to the User;
3.Identification information of the Prepaid Electronic Payment Instrument (in cases where the User cannot be identified due to reasons such as the failure to verify the real-name identity as prescribed in Article 2, subparagraph 4 of the Act on Real Name Financial Transactions and Confidentiality);
4.Any other information necessary for the payment of prepaid funds.
①Upon entering into an agreement with a User regarding Prepaid Electronic Payment Instrument, the Company shall notify the User of the following matters concerning the protective measures for prepaid funds:
1.The method of separate management of prepaid funds;
2.Information regarding the Prepaid Funds Management Institution, including its name;
3.Matters concerning the grounds for payment of prepaid funds pursuant to Article 18, paragraph 3, the User’s method of claim, and other procedures for the payment of prepaid funds.
②The Company shall always post the contents of the protective measures for prepaid funds under paragraph 1 on the Application or similar platforms, and shall promptly update the posted notice whenever there is any change to the details thereof.
①Any person who wishes to use the Card may apply for the issuance of a Card through a kiosk or the Application in accordance with the procedures prescribed by the Company after agreeing to these Terms and Conditions.
②Where a User applies for the issuance of a Card, the Card shall be issued with a transportation card function included, and the Company may charge the User an issuance fee upon issuance of the Card.
③Where the application for use is made through a kiosk, the Card may be received immediately at the kiosk. Where the use application is made through the Application, the User shall be issued a reservation number and may receive the Card either through a designated kiosk or at the address entered by the User.
④Upon issuance of the Card, the User shall set a four-digit Card password, which shall be used for registering the Card on the Application or for accessing information. If the Card password is incorrectly entered five (5) times or more, the User may request a reset of the error count through the customer service center.
⑤Even if the User does not register the issued Card on the Application, the User may use the Card at Merchant without entering the Card password. Provided, however, that for electronic commerce conducted via the Internet or similar transactions, the User shall register the Card in accordance with the registration procedures of the agent’s simple payment service or other Partner's simple payment services prior to use.
①The User may use the Card to pay the price of goods or services at Merchant.
②Payment may be made only within the balance of Money or Points held by the User, and payment may be declined if the balance is insufficient.
③The balance of Money or Points shall be deducted immediately upon completion of the purchase of goods or services.
④Cancellation of Card use shall be available only at the Merchant where the transaction was conducted. Where the User cancels the purchase of goods or services, the amount used for such purchase shall, in principle, be reloaded as Money or Points.
⑤Where the User intends to pay for goods or services at Merchant using the Card, the User shall present the Card to the Merchant and sign the sales slip with the same signature as that on the Card. Provided, however, that this requirement may be omitted where the Merchant has other means of verifying the User’s identity in electronic commerce or mail-order sales, or where any damage incurred by omitting the presentation of the Card and signature is borne by the card issuer and the Merchant.
⑥The User may check the balance of Money or Points and the usage history through the Application.
①The validity period of the Card shall be five (5) years, and such validity period shall be indicated on the Card.
②Even if the expiration period (or validity period) of Money or Points has not elapsed, where the validity period of the Card has expired, the Card may no longer be used and shall be reissued. In such case, the User may apply for reissuance of the Card through the Application.
③Where the User requests reissuance of the Card due to loss, damage, or similar reasons, the Company shall reissue the Card for the remaining validity period of the existing Card.
④Where the User has the Card reissued pursuant to this Article, the Company may charge a reissuance fee.
①Where the User applies for the issuance of a Card, the Card shall be issued with a transportation card function included, and the transportation card may be used by transferring Money to the balance of the transportation card.
②The User may load the transportation card through the Application, and the maximum amount that may be loaded is KRW 500,000. The maximum amount for a single load may be separately determined by the Company within the overall maximum balance limit in accordance with the Company’s policy, and the Company shall notify the User thereof through the Application, etc.
③The Company may restrict loading by the User in any of the following cases:
1.the maximum transportation card load limit is exceeded;
2.any other technical or institutional reason makes loading impossible.
④Where the User requests a refund of the balance remaining on the transportation card, such refund shall be processed in accordance with the service terms and conditions of the Partner providing the transportation card function. Refunds may be made online or offline (including railway stations, convenience stores, ATMs, etc.) designated by the Partner, and a refund fee may be charged depending on the circumstances.
⑤The loading and usage history of the transportation card may be checked on the screen within the Application provided by the Company.
⑥All other matters related to the transportation card shall be governed by the service terms and conditions of the Partner providing the transportation card function.
①Where any of the following events occurs, the Company may restrict the User’s use of the Card until such event is resolved. In such case, the Company shall notify the User of the reason for restriction, the period thereof, and other relevant details through the Application or by email (limited to cases where the User who has been issued an anonymous card has registered the Card on the Application and the User’s information exists):
1.Where mandatory information provided upon User registration or Card issuance application is falsely stated;
2.Where there are reasonable grounds to believe that transactions made using the Card constitute fraudulent or abnormal transactions;
3.Where an accident report has been filed regarding the Card held by the User;
4.Where the Card is used by a User under fourteen (14) years of age;
5.Where the legal representative of a minor User requests suspension of transactions;
6.Where there is a concern that damage to the User may occur due to hacking or similar incidents;
7.Where the Card is otherwise used in violation of these Terms and Conditions or in an unlawful or improper manner.
②Where unavoidable circumstances arise due to orders or policy changes by supervisory authorities, termination of agency agreements between the Company and Partners, or the Company’s policies, the User’s Card use may be restricted or rendered unavailable. In such case, the Company shall post notice thereof on the Application or similar platforms at least one (1) month in advance and notify the User by email or similar means (limited to cases where the User who has been issued an anonymous card has registered the Card on the Application and the User’s information exists).
③The User may request termination of Card use at any time through the Application.
④The Card may not be usable at certain Merchant, and the Company shall notify the User of details regarding such Merchant through the Application or similar means.
①Where the Card is lost or stolen, the User shall immediately report such fact through the Application or to the contact information below. Outside customer service operating hours, the loss report shall be made through the Application.
- Email: konda@danal.co.kr
- Customer Service Center: 1644-4317 (Weekdays 9:00 a.m. – 6:00 p.m.)
②The User shall not be liable for any fraudulent use occurring after the report under the preceding paragraph has been received. Provided, however, that the User may bear all or part of such liability in any of the following cases:
1.Where the fraudulent use is caused by the User’s intent;
2.Where the fraudulent use results from lending, transfer, custody, delegation of use, provision as collateral, illegal lending, or failure to sign the Card;
3.Where the fraudulent use is committed by the User’s family members or cohabitants (including de facto cohabitants), or where fraudulent use occurs due to the causes set forth in subparagraph 2 by such persons;
4.Where the Card is exposed or left unattended due to the User’s negligence;
5.Where the User delays reporting the loss or theft to the Company without justifiable reason;
6.Where the User falsely reports loss or theft;
7.Where the User refuses to cooperate without justifiable reason with the Company’s reasonable request for investigation of fraudulent use.
③Where an investigation is required in connection with the subparagraphs of the preceding paragraph, the User shall cooperate therewith.
①Liability arising from the use of a Card in any of the following cases shall be borne by the Company:
1.Use of a forged or altered Card;
2.Use of a Card using Card information obtained through fraudulent means such as hacking, system failure, or internal information leakage;
3.Use of a Card issued by impersonating another person’s identity (excluding cases where the User has intent or gross negligence).
②Notwithstanding subparagraphs 1 and 2 of paragraph 1, where the Company proves that the fraudulent use was caused by the User’s intent or gross negligence, the User shall bear all or part of the liability.
③Where an investigation of an incident is required in connection with paragraph 2, the User shall cooperate with the Company upon request.
①The Company shall exercise the duty of care of a good manager to ensure safety and reliability, and shall comply with the standards prescribed by the Financial Services Commission and applicable laws and regulations with respect to information technology sectors, including personnel, facilities, and Electronic Apparatuses for electronic transmission or processing, as well as electronic financial transactions.
②Where damage is incurred by a User due to any of the following incidents, the Company shall be liable to compensate for such damage:
1.An incident arising from the forgery or alteration of a Means of Access;
2.An incident occurring during the electronic transmission or processing of contract formation or transaction instructions;
3.An incident arising from the use of a Means of Access obtained through false or other fraudulent means by intruding into Electronic Apparatuses for electronic financial transactions or an information and communications network as defined in Article 2, paragraph 1, subparagraph 1 of the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc.
③Notwithstanding the preceding paragraph, the Company may claim all or part of the damage incurred by the User from the User where such damage arises from any of the following causes:
1.Where the User transfers, lends, provides as collateral, or delegates the use of the Means of Access to a third party;
2.Where the User discloses, exposes, or leaves unattended the Means of Access despite knowing or being reasonably expected to know that a third party could use the Means of Access without authorization to use the KONDA Money Service;
3.Where an incident under subparagraph 3 of the preceding paragraph occurs because the User, without justifiable reason, refuses additional security measures required by the Company for electronic financial transactions in addition to the verification under Article 6(1) of the Electronic Financial Transactions Act;
4.Where an incident under subparagraph 3 of the preceding paragraph occurs because the User commits any of the following acts with respect to media, means, or information used for the additional security measures under subparagraph 3 above:
a.Disclosure, exposure, or neglect;
b.Transfer, lending, provision as collateral, or delegation of use to a third party.
④Where damage is incurred by a User due to reasons attributable to the Company, the Company shall bear liability therefor, and the scope of such liability shall be governed by the Electronic Financial Transactions Act and other applicable laws and regulations.
①The User shall comply with these Terms and Conditions and the operational policies announced by the Company, and shall bear obligations with respect to the management of the Means of Access. The User shall be liable for any loss or damage resulting from a breach thereof.
②Where the User becomes aware that the User’s identity has been stolen or fraudulently used by a third party, the User shall immediately notify the Company thereof.
③The User shall not transfer or donate the right to use the KONDA Money Service or any other status under the use agreement to any third party.
④Where the User provides information necessary for the use of the KONDA Money Service, the User shall provide complete and accurate information consistent with current facts and shall promptly update such information upon any change.
⑤The User shall cooperate with the Company to enable the safe provision of the KONDA Money Service. Where the Company discovers a violation of these Terms and Conditions by the User and requests an explanation thereof, the User shall actively comply with such request.
①Where the User becomes aware of an error in using the KONDA Money Service, the User may request the Company to correct such error.
②Upon receiving a request for correction pursuant to the preceding paragraph, or upon becoming aware of an error on its own, the Company shall promptly investigate and process the matter, and shall notify the User of the cause of the error and the processing results within two (2) weeks from the date on which the correction request was received or the date on which the Company became aware of the error, via email or by the method requested by the User (including telephone or in-person notification). Provided, however, that where the User requests notification in writing, such notification shall be made in writing.
①In providing the KONDA Money Service, the Company shall select Means of Access and verify the User’s identity, authority, and details of transaction instructions.
②Unless otherwise specifically provided by other laws, a User shall not engage in any of the following acts when using a Means of Access:
1.Transferring or acquiring a Means of Access;
2.Lending a Means of Access to a third party or delegating its use;
3.Providing a Means of Access as a pledge or other collateral;
4.Arranging any of the acts set forth in subparagraphs 1 through 3.
③The User shall not disclose, expose, or leave unattended the User’s Means of Access, and shall exercise sufficient care to prevent theft, forgery, or alteration of the Means of Access.
④Where the Company receives notice from the User of loss or theft of a Means of Access, the Company shall be liable to compensate for any damage incurred by the User due to a third party’s use of such Means of Access from the time such notice is received.
①The Company shall not provide, disclose, or use for purposes other than business purposes any information or data obtained in the course of providing the KONDA Money Service—including Users’ personal information, accounts, Means of Access, or details and records of electronic financial transactions—without the User’s consent, except as permitted by applicable laws and regulations.
②The Company shall operate a Privacy Policy to protect Users’ personal information so that Users may safely use the KONDA Money Service. The Privacy Policy may be reviewed through the Application or similar means.
①The User may request dispute handling, including submission of opinions or complaints and claims for damages, with respect to the KONDA Money Service through the dispute handling officer or staff posted on the Application or via the contact information below:
- Person in charge: KONDA Customer Service Center
- Address: 9F, First Tower, 55 Bundang-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea
- Email: konda@danal.co.kr
- Telephone: 1644-4317
②The User may apply for dispute handling to the Company in writing (including electronic documents) or through Electronic Apparatuses pursuant to the preceding paragraph, and the Company shall notify the User of the investigation or processing results within fifteen (15) days.
③Where the User objects to the Company’s dispute handling results, the User may apply for dispute mediation through the Financial Dispute Mediation Committee of the Financial Supervisory Service or the Consumer Dispute Mediation Committee of the Korea Consumer Agency.
Matters not provided for in these Terms and Conditions shall be governed by applicable laws and regulations, including the Electronic Financial Transactions Act, Electronic Financial Transactions Terms and Conditions, and the operating policies.
These Terms and Conditions shall be governed by the laws of the Republic of Korea.
Lawsuits regarding disputes between the Company and Users shall be brought to the competent court under the Civil Procedure Act.
These Terms and Conditions shall enter into force on December 19, 2025.
These Terms and Conditions shall enter into force on April 27, 2026. (First revision as of April 27, 2026)
These Terms and Conditions shall enter into force on December 1, 2026. (Second revision as of December 1, 2026)