REDX CASH Crypto Card Purchase Application Site

Member Card Terms of Use

Chapter 1: General Provisions

Article 1 (Purpose)
These terms establish the basic conditions, procedures, rights, and obligations between 33FINANCE (hereinafter referred to as "the Company") and members (hereinafter referred to as "Members") who have been issued a "Corporate Card".

Article 2 (Definitions)
The terms used in these terms are defined as follows:

"Corporate Card" (hereinafter "Card")

Refers to a prepaid electronic payment method that stores electronic monetary value on a card with an embedded IC (integrated circuit) chip, which can be used for payments at affiliated stores, issued through the Company or its partner institutions.

"Registered Card"

Refers to a card on which basic information (card number, issue date, security algorithm, transaction/charge history, etc.) is recorded, and personal information (name, date of birth, gender, mobile phone number, address, telephone number, etc.) is registered in the database.

"Anonymous Card"

Refers to a card on which only basic information is recorded, without personal information registration.

"Member"

Refers to a person who agrees to these terms and legitimately possesses a card issued by the Company.

"Registered Member"

Refers to a member who, on the mobile website operated by the Company (hereinafter "Homepage"), has agreed to the terms of use, consented to the collection, provision, and use of personal information, applied for membership registration, registered their card, and has been issued a registered card through the Company's prescribed procedures.

"Anonymous Member"

Refers to a member who has applied for an anonymous card without undergoing real-name authentication procedures and has been issued such a card by the Company.

"Merchant"

Refers to a business operator who, based on the merchant agreement with the Company, has installed electronic equipment for card transactions in stores, facilities, business offices, transportation facilities, etc., for the purpose of providing goods or services to members, and has applied for and received approval for merchant registration.

"Charge Station"

Refers to facilities, stores, or institutions that provide services allowing members to accumulate (hereinafter "Charge") monetary value issued by the Company on their cards by paying a certain fee to the Company.

"Corporate Card Service" (hereinafter "Card Service")

Refers to the service provided by the Company that allows members to charge their cards and use them for payment (hereinafter "Settlement") for goods or services provided by merchants.

"Transaction Instruction"

Refers to the act of a member instructing the Company and merchants to process card transactions in accordance with these terms.

"Error"

Refers to a situation where a card transaction was not properly executed in accordance with these terms, the merchant agreement, or the member's transaction instructions, regardless of the member's intention or negligence.

"Refund Reception Counter"

Refers to a partner institution or merchant designated by the Company to process card refund procedures.

"Defective Card"

Refers to a card that cannot be used normally, classified as either a "Functionally Defective Card" or a "Damaged Card".

"Functionally Defective Card"

Refers to a card that cannot be used due to functional problems despite having no visible abnormalities.

"Damaged Card"

Refers to a card that has suffered damage due to intentional actions or negligence, such as:
Puncturing, bending, warping, denting, burning, separation of fragments, breaking, cracking, loss of card identification number, chip damage, etc.

"Location Information"

Refers to information about the current or past location of a mobile device or individual at a specific time, collected using telecommunications equipment and telecommunications line facilities as specified in Article 2, Paragraphs 2 and 3 of the Basic Telecommunications Act.

"Partner Institution"

Refers to a company or institution that has entered into a partnership agreement with the Company to smoothly carry out operations such as card issuance, charging, usage, and refunds based on these terms.

Article 3 (Effectiveness and Amendment of Terms)

1. These terms take effect when the Company posts the content of the terms on its mobile website (hereinafter "Homepage") and when a member purchases, legitimately possesses, or uses a card.
2. These terms may be amended as necessary. When amending the terms, the Company will notify members of the fact and content of the amendment through the Homepage and other means at least one month before the scheduled application date (hereinafter "Effective Date") of the amended terms. However, if an urgent amendment to the terms is necessary due to legal revisions, system improvements, recommendations from supervisory authorities, etc., it will be posted immediately.
3. The amended terms based on the provisions of this article will, in principle, apply from the Effective Date onward.
4. If a member does not agree to the amended terms, they may terminate the usage agreement by discontinuing the use of the service or canceling their membership registration before the Effective Date of the terms. However, if a member does not raise an objection to the amendment of the terms and does not withdraw from membership by the Effective Date, the member will be deemed to have agreed to the amended terms.

Article 4 (Standards Outside the Terms)
Matters not stipulated in these terms and the interpretation of these terms shall be governed by relevant laws such as the "Electronic Financial Transactions Act" or commercial practices.

Chapter 2: Corporate Card Service

Article 5 (Issuance)

1. Those who wish to have a card issued may apply at the Company's office, mobile website (hereinafter "Homepage"), or designated issuing institutions, merchants, etc., after agreeing to these terms. However, the provision of card services may be restricted due to service purposes or technical factors (system maintenance, terminal failure, communication line issues, stabilization work for new cards or terminals, etc.). In such cases, the Company will notify members through the Homepage.
2. Members who wish to receive their cards at home can do so by paying the prescribed registered mail fee based on the "Postal Act" or the shipping fee separately determined by the Company or the Company's designated issuing institution.
3. Companies and other legal entities may issue cards in accordance with standards separately established by the Company.
4. Members shall manage their cards with the duty of care of a good manager, use them only for the purposes specified in these terms, and shall not duplicate or alter electronic information or damage the cards.
5. Card replacement due to manufacturing defects is free, but card reissuance due to damage, loss, or theft caused by a member's negligence will incur a card issuance fee. However, if it is impossible to confirm the balance due to card damage, loss, or theft, the reissuance of the card may be delayed until the time required for confirmation has elapsed.
6. When a member becomes subject to these terms
   A member becomes subject to these terms when they possess a card, and is deemed to have agreed to these terms when they possess an anonymous card. However, members who wish to switch to a registered card may register according to the procedures established by the Company.
7. For cards issued by the Company's partner institutions, issuance is carried out according to the issuance standards of the partner institutions, and members can simultaneously receive services provided by the partner institutions in addition to the card service. In this case, services provided by partner institutions are subject to the terms of use of each partner institution.

Article 6 (Charging)

1. Cards can be charged using the following methods, and the maximum chargeable amount varies depending on the limit of the purchased card.
   • Method where the member directly charges the card through bank transfers, USDT transfers, or other methods specified by the Company
   • Other methods that the Company notifies in advance and to which the member agrees by using such methods
2. No interest is paid on amounts charged to the card.
3. The Company may restrict a member's charging in any of the following cases:
   • When exceeding the maximum charge limit of the card
   • When possessing a card with restricted charging functions
   • When charging is impossible due to Company policy or technical reasons

Article 7 (Usage)

1. Members can pay usage fees and charges by using their cards at the Company's partner institutions or merchants to receive services or purchase goods.
2. A member's card usage will be restricted in any of the following cases:
   • When engaging in fraudulent use through forgery or alteration
   • When violating relevant terms or usage rules
   • When the card operating system experiences failures due to natural disasters or other force majeure
3. Members cannot claim damages if the card cannot be used for reasons specified in Paragraph 2.
   Additionally, if a member uses the card in violation of the rules related to card usage, they shall be responsible for all legal and economic damages arising from such use.

Article 8 (Usage Restrictions)

1. Members may experience restrictions on card service usage if the computer system related to card usage (hereinafter "System") falls under any of the following:
   • During System holidays or outside business hours
   • When necessary to prevent fraudulent use such as card forgery or alteration
   • When connection with the System cannot be established due to system failures, communication line failures, power outages, etc.
   • When necessary for System maintenance and management
   • When system failures occur due to natural disasters or other force majeure
2. Card services and other related services may be changed or discontinued based on government policies, Company circumstances, or relevant laws and regulations.

Article 9 (Refunds)

When a member applies for a refund of the balance accumulated on the card, the Company will process the refund according to the procedures specified in each of the following items depending on the card's condition, and will refund to the member the amount (hereinafter "Refund Amount") obtained by subtracting any additional amounts provided by the Company or partner institutions from the balance accumulated on the card. However, if the card balance includes amounts charged via credit card, the Company may process the refund according to separately established methods, considering the time-limited benefits provided by credit card companies, in order to prevent "card cracking" (an illegal act of creating fraudulent card transactions in collusion with specific card merchants to convert them into cash, and lending to those in urgent need of funds at high interest rates).

1. Regarding normal cards:
   1. If a refund is requested at a refund reception counter, the counter will process the refund after completing identity verification procedures for the member and will collect the Company's prescribed fee from the member.
   2. However, deposits cannot be refunded.
   3. In any of the following cases, no refund fee will be collected, and the merchant will pay the refund amount after consultation with the member:
      • When the merchant cannot provide goods or services due to natural disasters or other reasons, making card use impossible
      • When the merchant cannot provide goods or services due to card defects
2. The value of normal cards accepted based on ① and ② above will not be refunded in cash.
3. Regarding defective cards:
   1. If a card is submitted to a "Merchant," the Company will confirm the balance after the merchant's charge request and settlement procedure, and will replace the member's card with a new one.
   2. At this time, the Company will collect the prescribed fee and transfer the charge balance of the defective card to the new card.
   3. Cards that have malfunctioned within one year of issuance or purchase will be replaced with new cards.
4. Damaged cards will not be exchanged for new cards or refunded.
5. If the balance cannot be confirmed due to card damage, processing will be carried out according to procedures ④ to ⑥ only if the card's basic information can be confirmed within the card operating system.

Article 10 (Withdrawal of Transaction Instructions)

1. Members cannot cancel transactions related to services received or goods purchased using the card after the card balance has been deducted and the transaction history has been recorded.
2. However, if cancellation is unavoidable due to operational errors, etc., transaction withdrawal is possible only for the immediately preceding transaction (only before additional transactions occur on the card and electronic terminal).

Chapter 3: Transaction History Information

Article 11 (Collection of Transaction History)

1. When a member uses a card to receive goods or services, the Company collects only the minimum information necessary for settlement processing and card usage fee settlement with merchants. The collected information includes the following:
   • Transaction content information (transaction time, transaction amount, electronic terminal information, card identification number, entry/exit and boarding/alighting information, including location information in a broad sense)
   • Credit card charge status
2. A member's continued use of the card is deemed as consent to the collection and use of transaction history information collected through the card (limited to the scope of usage fee settlement).
3. The collected transaction history information will not be integrated with the member's personal profile information entered during card registration.

Article 12 (Provision of Transaction History)

1. The Company provides the following transaction history inquiry services, limited to cards registered by the members themselves, upon member request. However, the card's location information will not be provided based on relevant laws (the "Act on the Protection and Use of Location Information").
   • Card number
   • Type, time, and amount of transaction
   • Merchant information
   • Other information specified by relevant laws
2. If a member receives transaction history based on this article, the Company shall not be responsible for information leakage or damage to the member due to the following reasons:
   • When the receipt information provided by the member contains errors or inaccurate content
   • When any of the items in Article 17, Paragraph 1 applies
3. Regarding the provision of transaction history, the Company may limit the period available for inquiry, considering relevant laws or the nature of the transaction. The Company may also collect a prescribed fee for providing transaction history.

Article 13 (Correction of Transaction History)

1. If a member discovers an error related to their transaction, they may apply for correction of the relevant transaction according to the procedures established by the Company.
2. The Company will verify the relevant transaction history within two weeks from the date of receiving the member's correction application and notify the member of the result through the mobile website (hereinafter "Homepage").

Article 14 (Collection, Use, and Provision of Personal Information)

1. Personal information collected by the Company from members during card service registration includes name, date of birth, mobile phone number, address, email address, gender, and card usage information collected at the time of application.
2. If there are changes to the personal information provided, members must promptly notify the Company according to the procedures established by the Company. The Company shall not be responsible for any damage resulting from violation of this obligation.
3. The Company may entrust the management of members' personal information or provide it to government agencies or partner institutions to provide high-quality services to members. In such cases, the Company will disclose the purpose, content, and name of the recipient company through application documents, etc., and obtain the member's consent. However, this does not apply if it is based on the member's request.

Article 15 (Protection of Personal Information)

1. The Company collects only the minimum information necessary for normal service provision.
2. The Company will not disclose or provide personal information to third parties without the member's consent. However, the following cases are exceptions:
   • Providing the minimum member information necessary for delivery to shipping companies
   • When providing information in a form that cannot identify individuals for the purpose of statistics, academic research, or market research
   • When there is a request based on laws from relevant agencies for investigation purposes
   • When fee settlement is necessary for service usage transactions
   • When providing information to partner institutions within the scope necessary for service provision
   • When it is necessary to provide member information to merchants for resolving disputes related to card transactions between members and merchants
   • When an obligation to provide arises based on relevant laws
   • When there are other reasonable reasons

Article 16 (Responsibility)

1. The Company is responsible for compensating for damages incurred by members in the use of card services. However, this does not apply in cases separately stipulated in these terms and in the following cases:
   • When the card is illegally traded or fraudulently used in a manner not specified by the Company
   • When the card is altered or its original shape is damaged
   • When the card is stolen or lost
   • When a member, despite knowing that a third party could fraudulently use card information (including card number, Homepage ID, password, charge PIN) or in a situation where it could be easily foreseen, intentionally or negligently discloses or leaves it unattended
2. If a member notifies the Company of theft or loss under a separate agreement with the Company, the Company shall not be responsible for amounts already charged before receiving the notification, based on Article 9, Paragraphs 1 and 2 of these terms.
3. If damage occurs to the Company due to a violation of Paragraph 1, the violating member is responsible for compensating for the Company's damage.

Article 17 (Prohibition of Transfer and Provision as Collateral)
Members must not transfer, lend, or provide "Registered Cards" or "Anonymous Cards" to others as collateral.

Article 18 (Loss and Theft)

1. Even if a member reports the loss or theft of a card to the Company, the Company is not responsible for the balance charged to the card at the time of loss or theft. This is treated the same as the loss or theft of cash.
2. If a member reports a loss or theft through the mobile website (hereinafter "Homepage"), the Company may suspend the use of that card only if it can completely stop its use within a certain period from the time of receiving the report.
3. In such cases, the Company may implement the following procedures at the member's request:
   • Card reissuance: Issue a new card and transfer the balance based on Article 5, Paragraph 5.
   • Refund: Process according to Article 9, Paragraph 2.

Article 19 (Notification of Changes)

1. If there are changes to the information provided in the membership registration application, members must promptly notify the Company according to the procedures established by the Company.
2. Any damage resulting from failure to provide this notification is entirely the responsibility of the member.

Article 20 (Member Withdrawal and Loss of Qualification)

1. Members may apply for withdrawal at locations designated by the Company. In this case, members need to apply for a refund of the balance accumulated on the card, and the Company will promptly implement withdrawal procedures at the member's request.
2. In any of the following cases, the Company may cause a member to lose their qualification after notifying the member. However, in the case of item 3, the qualification is automatically lost without prior notice:
   • When false information was provided during member registration.
   • When the card service was fraudulently used or used for inappropriate purposes.
   • When the member has died or death has been confirmed.
   • When debts related to goods, services, or card usage were not paid by the due date.
   • When actions that threaten the order of electronic transactions were taken, such as interfering with other members' use of card services or stealing information.
   • When obligations specified in these terms were violated.
3. Members who lose their qualification under Paragraph 2 automatically lose their membership qualification without prior notice.
4. Members who have lost their qualification may submit evidence to prove that it was not due to their own intention or negligence. If the Company recognizes that evidence as valid, it may restore the member's right to use the card service.
5. The effective date of withdrawal or loss of qualification shall be as follows:
   • Withdrawal: The date of application for withdrawal.
   • Loss of qualification: The date of notification (or the date of death in case of death).
6. To prevent loss of transaction history, ensure proper settlement processing, and avoid user confusion, the Company retains personal data of withdrawn members for 1 month (30 days). However, transaction records and some personal information may be retained for up to 60 months (5 years) for verification related to refunds, returns, and sales cancellations.
7. Upon withdrawal or loss of qualification, all card services and related services are immediately terminated. Additionally, even if rejoining with the same member information, previous data (usage history, points, benefits, etc.) will not be restored.

Article 21 (Operation of Member Services)

1. The Company may provide member services to specific members through partnerships and cooperation with other companies.
2. For members to receive these services, they must agree to the terms of use and consent to the collection and use of personal information as determined by the partner or partner company.
3. The standards, grades, and benefits of member services will be notified through the Homepage.
4. Member services may be suspended or terminated without prior notice. In this case, members cannot claim damages due to such suspension or termination.

Article 22 (Dispute Resolution)

1. Members can submit opinions through the Homepage.
2. The Company operates a customer service center to handle disputes and provide compensation for damages. Detailed information about the person in charge will be posted on the Homepage.
3. The Company will process submitted opinions based on its policies and notify members of the results.
4. Disputes that cannot be resolved by mutual agreement may be subject to mediation based on the "Electronic Financial Transactions Act."

Article 23 (Disputes with Partner Institutions)

1. Disputes arising from defects in transactions with partner institutions shall be resolved directly between the member and the partner institution.
2. Refunds and adjustments related to these disputes will also be processed between the member and the partner institution.
3. Card balances transferred to a partner institution's electronic terminal are not subject to refund, except in cases specified in Article 11.

Article 24 (Responsibility for Violation of Terms)

1. The Company and members are responsible for liabilities arising from violations of these terms.
2. If a violation causes damage to the other party, there is an obligation to compensate for that damage.

Article 25 (Jurisdiction)
All disputes and lawsuits related to these terms shall be subject to the jurisdiction of the court having jurisdiction over the location of the Company's headquarters.

Supplementary Provisions
(Effective Date)
These terms will be effective from January 1, 2025.