Northbridge Insight Service Terms and Conditions

Article 1 (Purpose)

These Terms and Conditions aim to define the conditions, procedures, rights, obligations, and other necessary matters concerning the use of the Northbridge Insight service and any related ancillary services (collectively, the "Service") operated by Northbridge Insight Co., Ltd. (hereinafter referred to as the "Company"), as well as the relationship between the Company and users.

These Terms and Conditions apply commonly to all services operated by the Company, and by agreeing to these Terms, users may access and use all services operated by the Company.

Article 2 (Definitions)

The terms used in these Terms and Conditions are defined as follows:

1. 1. Website: The website operated by the Company to provide the Service, "https://northbridgeinsight.com" (hereinafter referred to as "Northbridge Insight").
2. 2. Member: A person who has entered into a service agreement in accordance with these Terms and Conditions and uses the services provided by the Company.
3. 3. ID: A combination of letters and numbers selected by the Member and approved by the Company for identification and service use (this Service uses an email address as the ID).
4. 4. Password: A combination of letters and numbers selected by the Member to protect their confidentiality in communications.
5. 5. System: A collective term referring to the Company's proprietary trading infrastructure and platform "Tradeverse" and the AI signal analysis engine "Scarlett," for which the Company grants Members "observer rights (insight viewing rights)."
6. 6. Content: All information provided to Members through the System, including strategy charts, data insights, indicators, symbols, text, and images.
7. 7. Paid Services: Membership features provided through payment within the Service, including "Day Trading," "Swing Trading," and the "Full Trading Package (Bundle)."
8. 8. Illegal Copying: Any act of illegally copying, capturing, selling, sharing, or distributing system signals or content without the explicit consent of the copyright holder.
9. 9. Reverse Engineering: Any attempt to analyze the technical principles of the System, including disassembling software or extracting the logic of the "Scarlett" engine.
10. 10. AI Output: Analysis data and trading signal outputs generated by the Company's System based on market data.

Article 3 (Posting, Effectiveness, and Amendment of the Terms)

1. 1. The Company shall post these Terms and Conditions on the initial service screen (main page) so that Members can easily access them. However, the full content may be made available via a linked screen.
2. 2. The Company may amend these Terms and Conditions to the extent that such amendments do not violate relevant laws, including but not limited to the Act on Consumer Protection in Electronic Commerce, the Act on the Regulation of Terms and Conditions, the Framework Act on Electronic Documents and Transactions, the Electronic Financial Transactions Act, the Electronic Signature Act, the Personal Information Protection Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, the Door-to-Door Sales Act, and the Framework Act on Consumers.
3. 3. If the Company amends these Terms and Conditions, it shall notify Members by specifying the effective date and reasons for amendment and posting them on the initial screen together with the current Terms from at least seven (7) days prior to the effective date until the day before the effective date. If the amendment is unfavorable to Members, the Company shall provide a minimum notice period of thirty (30) days.
4. 4. If the Company clearly notifies Members that failure to express refusal within thirty (30) days constitutes consent, and the Member does not explicitly express refusal within that period, the Member shall be deemed to have agreed to the amended Terms.
5. 5. Matters not stipulated in these Terms and Conditions and interpretations thereof shall be governed by relevant laws and customary practices.
6. 6. The Company may post an ethics guide within the Service regarding crime prevention and respect for social ethics, which Members and the Company must comply with. Such ethics guide shall form part of these Terms and Conditions, and by agreeing to these Terms, Members are deemed to have agreed to comply with the ethics guide.

Article 4 (Registration and Management)

1. 1. A service agreement is formed when an applicant agrees to these Terms and Conditions, submits an application for service use by completing the registration process (filling out the Company's designated application form), and the Company accepts the application.
2. 2. Applicants shall apply for membership by entering required information (such as email address and password) in accordance with the Company's registration form. The Company may require verification procedures such as email authentication for identity confirmation.
3. 3. Members must promptly update their information if there are any changes to their registration details.
4. 4. To use paid services provided by the Company, Members may make payments via PayPal or other payment methods designated by the Company (including credit cards and bank transfers).
5. 5. Payment systems may be added or changed according to the Company's policies or partner circumstances, in which case notice will be provided on the service screen.

Article 5 (Acceptance of Application)

1. The Company may refuse to accept an application in any of the following cases:

• a) If the use of the Service is likely to cause harm to other users
• b) If the application is made for the purpose of disrupting public order or good morals
• c) If the application is made for the purpose of lending or reselling service usage rights
• d) If the applicant re-registers within one (1) year after having their membership revoked due to violation of the Terms and Conditions

Article 6 (Obligations of the Company)

1. 1. The Company shall not engage in any acts prohibited by applicable laws or these Terms and Conditions, or acts contrary to public order and good morals, and shall make its best efforts to provide goods or services continuously and stably in accordance with these Terms and Conditions.
2. 2. The Company shall establish security systems to protect personal information so that Members may use the Service safely, and shall disclose and comply with its Privacy Policy.
3. 3. If the Company determines that opinions or complaints raised by Members are justified, it shall promptly address them. However, if immediate processing is difficult, the Company shall notify the Member of the reason and the expected processing schedule.

Article 7 (Obligations of Members)

1. 1. Members shall familiarize themselves with and comply with these Terms and Conditions, the Company's notices, and website usage guidelines, and shall not engage in any of the following acts:
• a) Providing false information when applying for or modifying the Service
• b) Misappropriating another person's information or payment methods
• c) Altering information posted by the Company or engaging in acts that disrupt the Service
• d) Collecting, storing, posting, or distributing other Members' personal information or account information without authorization
• e) Copying, disassembling, imitating, or otherwise modifying the Service through reverse engineering, decompilation, disassembly, or any other form of processing
• f) Using hacking tools, automated access programs, or other abnormal methods that impose excessive load on the Company's servers and interfere with normal Service operation
• g) Lending, transferring, or otherwise granting access rights to a third party who is not the account holder
• h) Transmitting or posting information prohibited by the Company (including computer programs or bugs)
• i) Using the Service in an inappropriate manner, including engaging in or inducing gambling or speculative activities; entering, exchanging, posting, or linking obscene or vulgar content; or transmitting or distributing words, sounds, text, images, photos, or videos that cause shame, disgust, or fear to others
• j) Repeatedly posting identical, similar, or meaningless posts for the purpose of spamming message boards
• k) Using information obtained through the Company's Service without the Company's consent for purposes other than its intended use, including commercial profit, business activities, advertising, promotion, political activities, or election campaigns
• l) Infringing upon copyrights or other intellectual property rights of the Company or third parties
• m) Damaging the reputation of, or interfering with the business of, the Company or third parties
• n) Any other illegal or improper acts
2. 2. Members shall comply with applicable laws, the provisions of these Terms and Conditions, usage guidelines, notices related to the Service, and matters notified by the Company, and shall not engage in any acts that interfere with the Company's operations.
3. 3. Members are responsible for managing their own IDs, passwords, and payment information, and the Company shall not be liable for any issues arising from a Member's negligence in managing such information.

Article 8 (Use of the Service)

1. 1. Members shall use the Service in compliance with the provisions of these Terms and Conditions.
2. 2. Members may use the Service from the time the Company accepts their application for use. However, certain services may only be available after a specified date or upon fulfillment of specific requirements.
3. 3. The Service is generally available 24 hours a day, 365 days a year. However, the Service may be temporarily suspended due to the Company's operational or technical reasons. In such cases, the Company shall provide prior notice; if prior notice is not possible due to unavoidable circumstances, notice shall be given without delay afterward.
4. 4. The Company may set or change the types and number of devices from which each Member may access the Service.
5. 5. Members shall comply with the following Fair Use Policy ("FUP") when using the Service:
• a) The FUP is a policy that requires reasonable and responsible use of services that allow unlimited usage.
• b) Members must select an appropriate plan according to their occupation and business scale. The Company prohibits malicious use, including abnormal API expansion, bot creation, or account sharing.
• c) If activities are detected that reasonably indicate abnormally excessive usage or sharing of account login details with other users, the account may be suspended or permanently deleted without prior notice. No refunds shall be issued in such cases.
6. 6. Matters regarding Service use not specified in these Terms and Conditions shall be governed by policies separately established by the Company and posted on the website or otherwise announced.
7. 7. The Company does not provide the Service to users under the age of fourteen (14) and does not collect personal information from such users.
8. 8. Members shall not share their accounts with others or access the Service simultaneously from multiple devices. To protect Service security and copyrights, the Company applies a "Single Session Control" mechanism, and attempts to circumvent this mechanism may result in restricted access.
9. 9. For Service security and prevention of abnormal usage, the Company enforces the Single Session Control policy. When a Member attempts to log in from a new device or browser, the previously active session may be automatically logged out. The Company shall not be liable for any damages, including work interruption, resulting therefrom.
10. 10. Members may configure the in-service "Voice Alert (TTS)" feature according to their needs. Any noise caused by use in public places and any disputes with third parties arising therefrom shall be the sole responsibility of the Member.

Article 9 (Paid Services)

1. 1. The Company's paid services consist of the following membership plans:
   • Day Trading: Provision of insights focused on short-term strategies
   • Swing Trading: Provision of insights focused on mid- to long-term strategies
   • Full Trading Package (Bundle): An integrated package including both Day Trading and Swing Trading strategies
2. 2. Payment Method: All paid services operate on a subscription-based system with monthly recurring payments.
   • Members may pay for paid services via PayPal or other payment methods designated by the Company (including credit cards and bank transfers).
   • Payment systems may be added or changed according to the Company's policies or partner circumstances, in which case notice will be provided on the Service screen.
3. 3. The Company may provide all or part of its services on a paid basis, and specific matters regarding paid services shall be governed by notices related to paid services or separate paid service operation policies.
4. 4. The Company shall clearly indicate the following matters to Members through paid service notices or separate paid service operation policies:
   • a) The name or title of the paid service
   • b) The content, usage method, fees, payment method, and other usage conditions of the paid service
   • c) Conditions and procedures for refunds of paid service fees
   • d) Matters regarding suspension or changes to the paid service
5. 5. Members wishing to use paid services shall comply with the relevant paid service notices or operation policies. In the event of a conflict between these Terms and Conditions and the paid service notices or operation policies, the paid service notices or operation policies shall prevail.

Article 10 (Suspension of Service Provision)

1. 1. The Company may suspend the provision of all or part of the Service in any of the following cases:
   • a) When a telecommunications service provider or internet network operator, as defined under applicable telecommunications laws, suspends its services
   • b) When service provision is impossible due to a power outage
   • c) When unavoidable due to relocation, maintenance, or construction of facilities
   • d) When normal service provision is difficult due to facility failures or excessive service usage
   • e) When war, civil disturbance, natural disasters, or equivalent national emergencies occur or are likely to occur
   • f) When normal service provision is difficult due to issues with external partners, including Discord, cloud services (iwinv), or servers used by the Company
2. 2. The Company may conduct regular inspections as necessary for service provision, and the inspection schedule shall be announced in advance on the service screen.
3. 3. The Company may conduct emergency inspections if the Service is unstable or requires urgent improvement, and in such cases, inspection times shall be announced in advance within the Service.
4. 4. If the Service is temporarily suspended due to the Company's willful misconduct or negligence, the Company shall compensate Members for damages in proportion to the degree of responsibility. However, this shall not apply if the Service suspension occurs due to any of the reasons listed in Paragraph 1 of this Article, or if the Company proves that there was no willful misconduct or negligence.
5. 5. If it becomes difficult to continue providing the Service due to significant business reasons, such as transfer, division, or merger of business operations; termination of content provision contracts; or substantial deterioration of the Service's profitability, the Company may suspend the Service. In such cases, the Company shall announce the suspension date and reasons at least thirty (30) days in advance via the app's initial screen or linked screens, the Company's website, or other service-related screens, and shall notify Members accordingly.

Article 11 (Membership Withdrawal and Loss of Eligibility)

1. 1. A Member may request termination of the service agreement (withdrawal) at any time, and the Company shall process the withdrawal without delay.
2. 2. If a Member falls under any of the following circumstances, the Company may restrict or suspend the Member's eligibility or terminate the service agreement:
   • a) If false information was provided at the time of registration
   • b) If the Member fails to fulfill payment obligations for service fees or other debts owed to the Company by the due date
   • c) If the Member interferes with another person's use of the Service or misappropriates another person's information
   • d) If the Member uses the Service to engage in acts prohibited by applicable laws or these Terms, or acts contrary to public order and good morals
3. 3. When the Company takes restriction measures pursuant to Paragraph 2 of this Article, it shall notify the Member of the following matters:
   • a) The reason for the restriction
   • b) The type and duration of the restriction
   • c) The method for filing an objection to the restriction
4. 4. The Company may suspend the use of the Service for the relevant account until an investigation into any of the following matters is completed:
   • a) Where a legitimate report is received indicating that the account has been hacked, misappropriated, or used for criminal activity
   • b) Where provisional measures are otherwise necessary for reasons equivalent to the above
5. 5. If, after the Company restricts or suspends a Member's eligibility, the same violation is repeated two (2) or more times, or the cause of the violation is not remedied within thirty (30) days, the Company may revoke the Member's eligibility.
6. 6. If the Company revokes a Member's eligibility, it shall delete the Member's registration. In such cases, the Company shall notify the Member and provide at least thirty (30) days prior to deletion for the Member to submit an explanation or defense.
7. 7. If the Company imposes sanctions under this Article due to the Member's violation of these Terms, the Company shall not compensate the Member for any damages arising from the inability to use the Service, nor shall it provide any refunds or compensation in connection with the Member's paid services.

Article 12 (Provision of Information)

The Company may provide Members with various information deemed necessary during Service use via email, postal mail, or other means. However, in the case of advertising information, the Company shall obtain the Member's prior consent to receive such information.

Article 13 (Advertising)

1. 1. The Company may post advertisements related to the operation of the Service on the Service screen, website, email communications, or other channels.
2. 2. Members may be connected to advertisements or services provided by third parties through banners or links included in the Service.
3. 3. If a Member is connected to advertisements or services provided by third parties pursuant to Paragraph 2 of this Article, such services shall not be within the Company's Service scope. Accordingly, the Company does not guarantee the reliability or stability of such services and shall not be liable for any damages incurred by Members as a result thereof.

Article 14 (Management of Posts)

1. The Company may review content to determine whether it is illegal or violates AI ethics guidelines, and may delete or refuse to post content that is reasonably determined to violate the Company's policies or applicable laws.

Article 15 (Ownership of Copyrights and Other Intellectual Property Rights)

1. 1. All intellectual property rights held by Members in relation to their content shall remain vested in the Members.
2. 2. The Company does not guarantee that outputs created by Members using the Service's functions, or information exposed during the creation of such outputs, do not infringe upon the copyrights or other intellectual property rights of third parties.
3. 3. The Company may store, reproduce, modify, publicly transmit, display, distribute, and create derivative works of posts uploaded by Members or outputs created by Members using the Service's functions, for the purposes of displaying such content within the Service, promoting the Service, operating and improving the Service, and conducting research for the development of new services.
4. 4. Except as described in the Service Terms and Conditions and the Privacy Policy, the Company shall not share Members' files or data with third parties.
5. 5. Members warrant that any text, images, or other materials they input during Service use do not infringe upon the intellectual property rights or other rights of third parties. If a Member violates this warranty and any lawsuits, objections, claims, or other disputes arise between the Member and a third party or the Company, the Member shall compensate the Company for damages in proportion to the Member's degree of fault.
6. 6. This Article shall remain effective during the operation of the Service and shall continue to apply even after a Member withdraws from the Service.
7. 7. In accordance with Article 103 of the Copyright Act, if a rights holder substantiates a claim of infringement and requests the Company to suspend reproduction or transmission of the relevant work, the Company may suspend such reproduction or transmission.

Article 16 (Payment)

1. 1. By clicking buttons such as "Purchase," "Pay," or "Confirm" for paid services, the Member enters into a paid service usage agreement in accordance with these Terms and Conditions and the posted purchase conditions, and the applicable fees shall be charged.
2. 2. Payments shall, in principle, be made through PayPal or other payment methods designated by the Company, and billing and payment shall be governed by the policies of the relevant payment service provider.
3. 3. Paid services shall commence immediately upon completion of payment.
4. 4. All paid services operate on an automatic recurring subscription basis, whereby the usage fee is automatically charged and the usage period renewed according to the cycle selected by the Member (monthly or annual). If a Member does not wish to continue automatic billing, the Member must cancel the subscription directly through the "My Account" page prior to the next billing date.
5. 5. If a Member upgrades to a higher-tier plan than the plan currently in use, the higher-tier fee shall be charged from the time of the upgrade, and the handling of any remaining period under the previous plan shall be governed by the Company's operating policies.
6. 6. The Company does not provide services to users under the age of fourteen (14) and does not collect related personal information.

Article 17 (Withdrawal of Subscription and Refund Restrictions)

1. 1. A Member who has entered into a paid service purchase agreement with the Company may withdraw from the subscription (full refund) within seven (7) days from the payment date, provided that the paid service has not been used at all.
2. 2. Pursuant to Article 17(2) of the Act on Consumer Protection in Electronic Commerce, withdrawal of subscription shall be restricted in the following cases:
   • a) Service provision has commenced: where the Member has accessed the "Insights" page and viewed paid strategies or chart information at least once after payment
   • b) Trial products provided: where the Company has provided a free trial (Free Plan) or sample information allowing the Member to preview content in advance
3. 3. If the content purchased differs from the advertised or agreed-upon content, the Member may withdraw from the subscription within three (3) months from the date the content became available, or within thirty (30) days from the date the Member became aware of such discrepancy.
4. 4. If a Member disrupts service operations through repeated payments and cancellations (e.g., two or more refunds within the past six months), the Company may restrict re-registration or refuse additional payments for the relevant account.
5. 5. For paid subscription services, Members are entitled to view data and insights generated after the subscription start date in real time. Access to historical data prior to the subscription date may be restricted in accordance with the Company's operating policies.
6. 6. The Company fulfills its obligation under Article 17(6) of the Electronic Commerce Act by clearly displaying refund restriction details at the payment stage.

Article 18 (Refund of Overpayments)

1. 1. If an overpayment occurs, the Company shall refund the overpaid amount to the Member. However, if the overpayment arises due to the Member's fault without the Company's willful misconduct or negligence, the Member shall bear the actual costs incurred for the refund within a reasonable scope.
2. 2. Refunds may be processed by canceling the payment or through the same payment method used by the Member, depending on the selected payment method.
3. 3. The Company may contact the Member using the information provided by the Member and request additional information as necessary to process the refund.

Article 19 (Mid-Term Cancellation and Refund Calculation)

1. 1. If the withdrawal period under Article 17 has elapsed or service provision has commenced, the Member may request mid-term cancellation, and the refund amount shall be calculated as follows.
2. 2. Refund calculation formula: Refund Amount = Payment Amount − [Number of Used Days × Daily Rate (based on the regular price)] − Penalty (10% of the payment amount)
   • For discounted products such as annual plans, the daily rate shall be calculated based on the regular (non-discounted) price, and if the calculated refund amount is negative, no refund shall be issued.
3. 3. For annual subscription Members, refunds for the remaining period shall not be available once the service usage period exceeds six (6) months.
4. 4. Upon submission of a refund request, the relevant paid service shall be terminated immediately.
5. 5. Refunds shall, in principle, be processed through cancellation of the original payment method used by the Member (PayPal, credit card, etc.). The Company shall request payment cancellation from the payment provider within three (3) business days from the refund request date. Actual refund processing may take an additional three (3) to five (5) business days depending on the payment provider. Refund requests submitted after 6:00 PM on Fridays or on public holidays may be processed on the next business day.

Article 20 (AI Ethics Guidelines)

1. 1. All personnel of the Company place importance on AI ethics and comply with the Company's internal AI ethics guidelines. These guidelines are established to prevent and mitigate issues that may arise in connection with the use of the Company's services.
2. 2. The Company aims to provide user-friendly and useful AI services, prioritizing appropriate expression and personal data protection, and making efforts to prevent the generation of inaccurate or biased information.

Article 21 (Obligations of Users Regarding AI Ethics)

1. 1. Members shall not use the Company's services for malicious purposes or create reputational risks for the Company through malicious use. Malicious use includes, but is not limited to, intentionally inputting prompts designed to produce unjustly discriminatory opinions or biased value judgments.
2. 2. If a Member discloses AI-generated outputs ("AI Outputs") externally via social media or other means, the Member must ensure that such outputs do not contain copyright infringement, violent, sexual, discriminatory, or otherwise inappropriate content, or content that infringes upon the rights of or causes harm, disadvantage, or discomfort to third parties. Any legal or ethical issues or disputes arising from AI Outputs shall be the responsibility of the Member in proportion to their degree of fault.
3. 3. If a Member discovers AI-generated outputs that are problematic or may potentially cause issues, the Member shall promptly notify the Company and cooperate in good faith to enable the Company to improve the relevant aspects of the service.
4. 4. Members who fail to comply with these guidelines may have their service use suspended or restricted without prior notice in accordance with Chapter 4.
5. 5. Inputs and outputs generated during service use may be utilized for engine improvement and model evaluation purposes to enhance the Company's services.

Article 22 (Scope of Application of AI Ethics Guidelines)

The Company's AI ethics guidelines may be revised from time to time, and the Company shall provide notice of such revisions.

Article 23 (Disclaimer and Damages)

1. 1. Information provided by the Company is for reference only in making investment decisions and does not guarantee profits or recommend any specific securities.
2. 2. The Company operates as a provider of general investment-related information for an unspecified number of users and does not provide one-on-one personalized consultations or advisory services.
3. 3. All investment decisions and outcomes are the sole responsibility of the Member, and the Company shall not be liable for any losses incurred through service use.
4. 4. If the Company or a Member causes damage to the other party by violating these Terms, the responsible party shall be liable for damages, unless such violation occurred without willful misconduct or negligence.
5. 5. The Company shall not be liable for damages incurred by Members due to the following causes, provided there is no willful misconduct or negligence by the Company:
   • a) Inability to use the Service due to maintenance, replacement, inspections, construction, or similar reasons
   • b) Service disruptions caused by the Member's willful misconduct or negligence
   • c) Lack of accuracy or reliability in posts made by other Members
   • d) Transactions or disputes between Members or between Members and third parties conducted via the Service
   • e) Failure to realize expected benefits from using the Service
   • f) Leakage of Member information due to improper management of account or device passwords
   • g) Inability to use all or part of the Service due to device changes, number changes, OS updates, overseas roaming, or carrier changes
   • h) Deletion of content or account information by the Member
   • i) Illegal access to servers or abnormal interference caused by third parties
   • j) Other causes equivalent to the foregoing for which the Company is not responsible
6. 6. The Company does not guarantee the legality, originality, exclusivity, reliability, accuracy, truthfulness, usability, or fitness for a particular purpose of AI Outputs and shall not be liable for failure to achieve expected profits or for damages arising from results obtained through the Service.
7. 7. The Company does not guarantee the accuracy or reliability of information, materials, or content posted by Members.
8. 8. The Company does not guarantee the reliability or accuracy of information posted, searched, or recommended within the Service.
9. 9. If damages occur to the Company due to a Member's violation of these Terms, the Member shall compensate the Company for such damages in proportion to the Member's degree of fault.

Article 24 (Notice to Members)

1. 1. Notices from the Company to Members may be delivered via the Member's email address, mobile phone number, or text message (SMS/MMS).
2. 2. Notices to all Members may be substituted by posting such notices on the Company's website for at least seven (7) days. However, matters that materially affect a Member's transactions shall be individually notified.

Article 25 (Governing Law and Jurisdiction)

1. 1. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of Korea.
2. 2. The Company and Members shall make all reasonable efforts to amicably resolve any disputes arising in connection with the Service.
3. 3. If litigation is initiated between the Company and a Member, the court having jurisdiction under the Civil Procedure Act shall have exclusive jurisdiction.