These Terms and Conditions are intended to regulate the rights, obligations and responsibilities between TripMoney Co., Ltd. (hereinafter referred to as the "Company") and users of the TripMoney service (hereinafter referred to as the "Service"), as well as other necessary matters, in relation to the use of the Service.

① The definitions of terms used in these Terms and Conditions are as follows.

- Service users refer to members and non-members who use the currency exchange service and prepaid transportation card service provided by the company.

- A member refers to a person who has agreed to these terms and conditions, registered as a member, and entered into a service use agreement with the company.

- Non-member refers to a person who uses the service without registering as a member.

- ID: This refers to the email address entered by the member when registering for identification and service use.

- Service pages refer to detailed pages provided within the services provided by the company to enable service users to use the company's services.

- Password refers to a combination of letters and numbers set by the member to verify the member's identity and protect the member's information, as approved by the company.

- Prepaid/transportation card issuance/recharge/refund service refers to all services that allow members or non-members to issue prepaid/transportation cards using domestic and foreign banknotes and credit cards, etc., at TripMoney kiosks, or to recharge or receive refunds for prepaid amounts.

- Unmanned currency exchange refers to a transaction in which a service user uses an unmanned automated machine installed by our company on-site and receives foreign currency or Korean Won.

② Terms used in these Terms and Conditions that are not defined in this Article shall be governed by the TripMoney Service Guide and relevant laws and regulations, and for all other terms, shall be governed by general commercial practices.

① The services provided by the company are as follows.

- Prepaid card/transportation card issuance, charging, and refund services

- Unmanned currency exchange service

① A copy of these Terms and Conditions must be provided to the user through the company's service page, pop-up screen, electronic document transmission (via e-mail or other electronic devices), or other means, and the Terms and Conditions must be specified when entering into a contract with a customer regarding currency exchange services.

②These terms and conditions become effective when the user agrees to them upon registering as a member.

③ The company may revise these terms and conditions to the extent that it does not violate related laws, such as the 'Act on Regulation of Terms and Conditions' and the 'Act on Promotion of Information and Communications Network Utilization and Information Protection, etc.'

④ When the company revises the terms and conditions, the effective date and reason for revision are specified and the revised terms and conditions are announced together with the current terms and conditions through the service page of the company website , a pop-up screen, or other methods from 7 days prior to the effective date until the day before the effective date.

⑤ If a member does not agree to the application of the revised terms and conditions, the company cannot apply the contents of the revised terms and conditions, and in this case, the member may terminate the service agreement.

⑥ If a service user requests an explanation of the contents of these Terms and Conditions, the Company must explain the important contents of the Terms and Conditions to the customer using one of the following methods.

- Directly explain important terms and conditions to customers.

- Display an explanation of the important contents of the terms and conditions in an easily understandable manner to members through electronic devices and receive an indication from customers that they have fully understood the contents through electronic devices.

⑦ If the Company clearly informs members in accordance with the preceding paragraph that if they do not express their objection within seven days of the effective date of the revised terms and conditions, they will be deemed to have accepted the revised terms and conditions, and if no objection is expressed, the revised terms and conditions will be deemed to have been accepted. If a member does not agree to the revised terms and conditions, the member may terminate the service agreement in accordance with Article 8, Paragraph 1.

⑧ When using the services provided by the company, members must comply with relevant laws and regulations, such as the Act on Consumer Protection in Electronic Commerce, etc. (e.g., regulations on mail-order sales such as supply documents and returns), the Framework Act on Electronic Documents and Transactions (e.g., regulations on business obligations), and the Act on Promotion of Information and Communications Network Utilization and Information Protection (e.g., regulations on personal information protection), and cannot claim exemption from liability for violations of relevant laws and regulations by citing the provisions of these Terms and Conditions.

The Company may establish separate operating policies in addition to these Terms and Conditions, and in the event of a conflict with these Terms and Conditions, the operating policies shall take precedence.

Matters not specified in these Terms and Conditions and the interpretation of these Terms and Conditions shall be governed by the Foreign Exchange Transactions Act, the Electronic Financial Transactions Act, the Act on Consumer Protection in E-Commerce, etc., the Act on Regulation of Terms and Conditions, the Consumer Protection Guidelines in E-Commerce, etc. established by the Fair Trade Commission, and other relevant laws and regulations, as well as general practices.

① Users apply for membership by filling out membership information according to the registration form provided by the company and indicating their agreement to these terms and conditions.

② The service agreement is concluded per member ID. Once the service agreement is established, the applicant is registered as a member.

③ If a member who is a minor under the Civil Act uses a paid service, the minor member must obtain the consent of his/her legal representative before making payment.

① Applications for use are made online by filling out the required information in the application form provided by the company.

② To provide members with diverse and useful information, the company may request that applicants provide information such as their occupation, hobbies, and areas of interest. However, applicants may refuse to provide such information.

③ All member information entered in the service subscription application form is considered to be actual data. Users who do not enter their real name or actual information cannot receive legal protection and may be subject to restrictions in using the service .

④ If you provide false or inaccurate information, or if such information is later discovered to be false, the Company may temporarily or permanently suspend your use of the Service or terminate your service agreement. The member is fully responsible for any damages incurred by the Company or any third party as a result.

⑤ Users of the service agree not to use the service for illegal purposes such as concealing illegal assets or money laundering.

① The company uses the member's personal information only for the purpose of fulfilling this agreement and providing services under this agreement.

② The company may approve membership application if the member has accurately filled out all required information in the company's prescribed membership application form.

③ The company may withhold approval for applications for use that fall under any of the following categories.

- If there is no spare equipment

- In case of technical difficulties

- In cases where it is difficult to approve use due to other company circumstances

④ The company may not approve applications for use that fall under any of the following categories.

- If it is not your real name

- If you applied using someone else's name

- If you provide false information when applying for use

- If the application requirements set by other companies are not met

⑤ The Company may restrict service use if the user is a national, citizen, permanent resident, or other resident of a country or region designated by the Financial Action Task Force (FATF) as a country with high anti-money laundering risk. Service users must guarantee the following:

- The fact that you are not a national, citizen, permanent resident, or resident of a country of concern.

⑥ The company may restrict the use of unmanned currency exchange services and prepaid/transportation card issuance services if the user is a person designated as a subject of transaction restrictions by the Financial Action Task Force (FATF).

⑦ The Company will not use personal information provided by service users for purposes other than operating the Company's services or provide it to third parties without the user's consent. However, the following exceptions apply:

- In cases where the use of service user information and provision of information to third parties is permitted based on laws and regulations.

- When the user's consent is obtained in accordance with the terms and policies of other companies.

⑧ To protect the personal information of its members, the company establishes a 'Personal Information Processing Policy', appoints a personal information protection officer, and posts and operates it.

① If a member wishes to terminate their service agreement, they must submit a cancellation request to the company via the service's membership withdrawal function, email, or other means. However, the member must complete, withdraw, or cancel all pending transactions before notifying the company of their intent to terminate. In this case, the member is responsible for any disadvantages resulting from such withdrawal or cancellation.

② If a member cancels the contract, all information related to the member, including personal information, transaction details, and membership, created by the member will be deleted.

③Members who have cancelled their membership in accordance with the preceding paragraph may re-register as members in accordance with the membership registration procedures and related provisions stipulated in these Terms and Conditions.

④ In order to ensure the reliability and safety of the service, the company prohibits the following acts, and in case of violation, the company may restrict use of the service or terminate the service agreement.

- In case of intentional disruption of service operation

- If the name you registered with is not your real name

- When transmitting a large amount of information or advertising information for the purpose of interfering with the stable operation of the service.

- In case of distributing computer virus programs that cause malfunction of information and communication equipment or destruction of information, etc.

- In case of illegal use of another person's personal information, ID, and password

- If information obtained through the company's service information is copied, distributed, or used commercially without the company's prior consent.

- If the same user registers twice with different IDs

- In case of a request for corrective action from an external organization such as the Korea Communications Standards Commission or an authoritative interpretation from the National Election Commission regarding illegal election campaigning.

- In case of violation of these Terms and Conditions or other terms of use set by the company.

- Acts of using the service or accessing the system in an abnormal manner not specified by the company

- Any act that is objectively judged to be in violation of other relevant laws and regulations.

⑤ If the Company intends to restrict service use, it will notify the member of the reason, date, and duration of the restriction via email, phone, mobile messaging, or other means. However, if the Company determines that an urgent suspension of service is necessary, it may restrict service use without the procedures outlined in this section.

⑥ Members who have been notified of service suspension may file an objection in accordance with Article 29 (Dispute Resolution Procedure) if they have any objections to the suspension. If it is confirmed that the reason for the suspension has been resolved, the suspension will be lifted.

⑦ If the same act is repeated more than twice after the company has suspended or restricted the use of the service, or if the cause is not corrected within 30 days, or if there is a violation of Article 4 of this clause, the company may terminate the service agreement.

⑧ If the company terminates the service agreement, the member's registration will be canceled. In this case, the company will notify the member and provide an opportunity to explain before the cancellation.

⑨ If the Company terminates the User Agreement pursuant to Article 8, Paragraph 4, the Company may cancel any transactions related to the relevant Member without separate notice. Any damages arising from the termination of the User Agreement shall be borne by the Member whose Agreement was terminated, and the Company shall not be liable for any such damages.

① Members can view and edit their personal information at any time on the service page. However, information required for service management (name, resident registration number, etc.) cannot be edited.

② If there is a change in the information provided by the member when applying for membership, the member must change the information on the service page or notify the company of the change by e-mail or other means.

③ The company is not responsible for any disadvantages that may arise from failure to notify the company of changes in Article 2 of this clause.

① The company will not engage in any acts prohibited by relevant laws and regulations or these Terms and Conditions or that are against public morals, and will make every effort to provide TripMoney services continuously and stably.

② The company has a security system in place to protect personal information so that users can safely use the service, and announces and complies with its personal information protection policy.

③ If the company determines that opinions or complaints raised by service users regarding service use are justified, the company must address them. Regarding opinions or complaints raised by service users, the company will communicate the processing process and results to the user via phone, email, or other means.

④ The company deposits payment amounts with an authorized payment depositor and subscribes to performance (payment) guarantee insurance to safely protect the exchange amount of service users.

⑤ The company conducts 'foreign exchange business' in accordance with the 'Foreign Exchange Transactions Act' and complies with relevant laws and regulations.

① Service users must comply with these Terms and Conditions and the information provided by the company on the service screen.

② When using the company's services, service users must transact using their real names. If the company requests the service user to provide necessary documents, such as a real name verification certificate, for real name verification, the user must comply.

③ Service users must cooperate with the company so that the company can provide the service safely, and if the company discovers a violation of the terms and conditions by the service user and requests an explanation for the violation, the service user must actively respond to the company's request.

① The company must keep records of currency exchange transactions with customers for five years in accordance with the Foreign Exchange Transactions Act and related laws.

② Except in cases stipulated by relevant laws and regulations, the Company shall not provide to a third party, leak, or use for purposes other than business purposes, any member information learned through the performance of foreign exchange business, including personal information of members and non-members, account information, details and performance of foreign exchange transactions with the Company, and identification images obtained during foreign exchange transactions (hereinafter referred to as "member information") without the consent of the member.

③ If the Company violates Paragraph 2 of this Article due to negligence or other reasons attributable to the Company, or if member information is stolen or leaked, the Company shall be liable for compensation to the affected member. However, the Company may be exempt from liability if it proves that there was no intent or negligence.

① Services provided by the company include issuance/recharging/refund of prepaid/transportation cards, and immediate foreign exchange exchange.

② Some of the services provided in the preceding paragraph may be provided for a fee according to the company's policy.

③ Service use is available immediately after the member's acceptance of the service agreement. However, for paid services, access may begin immediately after the company confirms payment.

④ The types of services provided by the company may change depending on the company's circumstances.

① The company notifies the characteristics, procedures, and methods of each service through the service screen according to the type of service, and members must understand the information regarding each service notified by the company and use the service.

② If the Company changes the service content or terminates the service due to reasons such as the launch of a new service, the Company may notify the member of the change or termination via email to the member's registered email address. However, this does not apply to affiliated services.

③ In the case of the preceding paragraph, notification to an unspecified number of people may be provided to members through in-service notices, website pop-ups, etc. However, for matters that have a significant impact on a member's transactions, notification will be provided via a bulletin board for a reasonable period of time and via email or other means.

④ If a paid service applied for by a member is terminated due to reasons attributable to the company, the member using the service will be notified by e-mail or other means, and a refund will be processed in accordance with the company's regulations for members who require a refund.

⑤ The Company may change or discontinue all or part of the services it provides based on operational or technical needs in cases where there are other reasonable grounds, such as difficulties in providing smooth services due to decreased usage, deterioration in profitability, the need to transition to next-generation services due to technological advancements, or changes in the Company's policies related to service provision.

⑥ The Company may modify, suspend, or change part or all of the services provided free of charge as required by the Company's policies and operations, and no separate compensation will be provided to members for this unless there are special provisions in relevant laws and regulations.

⑦ If there is a change or service interruption in the service content, usage method, or usage time already provided, the company must notify the member at least 30 days in advance of the change, and the company is not responsible for any damages incurred by the member due to the member not checking the notice.

① In principle, the service is available 24 hours a day, 365 days a year, unless there are special operational or technical difficulties. However, this does not apply on days or times designated by the company for regular maintenance or other reasons.

② The company may divide the service into certain categories and set separate availability times for each category. In this case, the details will be announced in advance.

③ The company may suspend service provision in the following cases.

- In case of unavoidable circumstances due to construction work, such as maintenance of service facilities

- When a fixed-term telecommunications service provider as defined in the Telecommunications Business Act suspends telecommunications services

- In the case of services provided by a third party, such as an affiliate, rather than a service provided directly by the company, if the third party, such as an affiliate, discontinues the service.

- If a member does not pay for a paid service.

- In case of other force majeure reasons

④ When normal service use is hindered due to a national emergency, power outage, service facility failure, or service usage surge, the company may restrict or suspend all or part of the service.

⑤ The Company may discontinue the service provided when it is replaced with a new service or when other reasons arise that make it impossible for the Company to provide the service.

① The Company may provide members with various information deemed necessary while using the Service through methods such as in-service notices, service screens , and e-mail. However, members may refuse to receive such information at any time, except for transaction-related information and responses to customer inquiries in accordance with applicable laws.

② The Company may place advertisements on service screens and homepages provided by the Company in connection with the operation of the Service.

① When the company notifies members, it may do so via e-mail, notice, etc., unless otherwise provided for in these Terms and Conditions.

② In case of notification to all members, the company may substitute the notification in the preceding paragraph by posting it on the company's website or service notice screen for at least 7 days.

① The company charges users fees for using its services. These fees must be categorized into specific categories, such as card issuance fees, card recharge fees, card refund fees, and currency exchange fees, and the details must be provided to users.

② The details and contents of the fees are as follows.

- Card issuance fee: A fee charged to service users per card upon issuance of the card.

- Card recharge fee: Notice of fee incurred when recharging prepaid/transportation cards

- Card refund fee: Notification of fee charged to service users when refunding prepaid/transportation card balance

- Exchange Fee: Exchange rate spread (varies by currency, real-time exchange rate and spread are notified within the service)

- Foreign currency shipping fee: Charged per item (separate notice within the service depending on the method and location of receipt)

③ The interest income and exchange rate gains and losses that the company acquires when charging fees are considered additional profits or losses that arise during the operation of the company's services, and service users cannot request a refund for these.

① The company must provide information on the exchange rate to be applied to service users.

② The company may provide prepaid cards with different exchange rates depending on the member's classification (member, non-member, member level, etc.).

③ The company must post information on the exchange rate and amount applicable to service users on the service page and maintain the latest information.

④ The exchange rate to be applied to service users by the company is based on the exchange rate announced by the bank, and the applicable exchange rate is clearly provided through unmanned currency exchange machines and the web.

① When applying for a prepaid/transportation card, service users must notify the company of the recharge amount, receipt method (location), and receipt date and time. However, the receipt location and date and time are limited to those permitted by the company .

② When a company receives a request from a service user to use the prepaid/transportation card reservation issuance service, the company must provide the member with information regarding the amount of funds paid or received by the service user in Korean Won and foreign currency.

③ When a service user who has applied for the prepaid/transportation card reservation application service deposits money into a designated account, the company must convert the amount after deducting the fee into foreign currency and deliver it to the customer at an unmanned machine at the time and place requested by the customer.

④ If the company is unable to provide the service at the time of receipt or if the service is unavailable through the method of receipt requested by the service user, the company must immediately notify the user of the reason.

① When a company receives a request from a service user to use a prepaid/transportation card reservation service, the company must provide the service user with information regarding the expected period of time required for payment or receipt.

② When a service user uses the prepaid/transportation card reservation service, the company must post information regarding the expected period for payment or receipt on the service page, etc., and keep it up to date.

① Members may request changes or cancellations to prepaid/transportation card reservations that have not yet been issued through the company via phone or customer service. However, changes or cancellations cannot be requested for transactions for which the user's foreign currency exchange has been completed.

② If the company receives a request from a service user to change or cancel a prepaid/transportation card reservation service, the company must process the request and notify the user of the result.

The company must immediately notify the service user who has applied for a prepaid/transportation card reservation of the results of reservation acceptance, payment confirmation, and payment or receipt through the contact information registered by the service user in advance.

The company must provide the applicable exchange rate, usage method, and usage information on the screen of the unmanned currency exchange machine so that currency can be exchanged on-site through the unmanned currency exchange machine.

① If a service user applies for this service to the company, deposits the money into a designated account, and fails to receive the foreign currency on the designated date of receipt due to reasons not attributable to the service user, the user may request a refund.

② In the event that the Company receives a refund request from a service user under paragraph 1, the Company shall pay the customer the amount deposited by the service user into the designated account and the corresponding amount pursuant to Article 25 (Compensation for Damages), except in cases where there are special circumstances.

③ In the event a refund is made due to a reason attributable to the service user, the cost incurred in connection with the exchange process may be deducted from the refund amount. Information regarding this must be provided to the customer when requesting an exchange or refund through the company website or app.

④ In case a refund is made due to the fault of the service user, the relevant amount must be paid to the customer within 3 business days according to the following provisions.

1) If you request a refund before the reservation receipt date after depositing the prepaid/transportation card reservation service: Full refund

2) If the prepaid/transportation card is not received on the reservation pick-up date: The amount will be refunded after re-exchanging the currency based on the exchange rate at 10:00 AM on the day following the reservation pick-up date. The card issuance amount cannot be refunded.

⑤ The reasons for which the user is responsible as stated in the preceding paragraph are as follows:

- In case of change of mind by the service user

- In case of negligence by other service users (such as failure to receive the product on the registered scheduled delivery date)

① If damage occurs to a service user due to a cause attributable to the company, the scope of compensation for damages by the company includes general damages as stipulated in the Civil Act, and the company is liable for compensation for damages due to special circumstances only when the company was aware of or could have been aware of such circumstances.

② The Company shall not be liable for any damages arising from transactions that exclude the contents of Article 1 of this Article or that deviate from the contents stipulated in these Terms and Conditions.

① The company shall not be liable in the following cases.

- In case of unavoidable circumstances such as war, incident, natural disaster, or similar national emergency

- If damage occurs due to the user's intent or negligence

① The company has established a procedure (hereinafter referred to as the "Dispute Resolution Procedure") and a person responsible for dispute resolution to reflect the legitimate opinions or complaints raised by members/non-members in relation to "foreign exchange business and prepaid/transportation card issuance business" and to compensate for damages suffered by service users in relation to foreign exchange business and prepaid/transportation card issuance business.

- Dispute Resolution Manager: Kim Jun-ki

- Phone: (82)2-6959-3701

- Email: jkkim@tripmoney.kr

② Service users may request dispute resolution to the company in writing (including electronic documents) or by using an electronic device, and the company will notify the service user of the results of its investigation or processing within 15 days in writing (including electronic documents) or by using an electronic device.

③ The company handles objections raised by service users that fall under any of the following categories as follows:

- Simple complaints: The person in charge of dispute resolution will investigate or process the complaint submitted by the service user, and notify the service user of the results in writing (including electronic documents) or through an electronic device within 15 days.

- Damages claim: The person responsible for dispute resolution will investigate or process the content requested by the service user, and notify the service user of the results in writing (including electronic documents) or through an electronic device within 15 days.

④ If a member has an objection to the company's dispute resolution results, he or she may apply for dispute mediation related to the use of the service to the Financial Dispute Mediation Committee of the Financial Supervisory Service or the Consumer Dispute Mediation Committee of the Korea Consumer Agency.

⑤ If the Financial Supervisory Service's dispute resolution results reveal that the company is responsible for the service during the use process, the company will bear the full cost of the service. However, this does not apply if the service user or the company files a civil lawsuit with the competent court due to disagreement with the dispute resolution results of the Financial Supervisory Service or the Korea Consumer Agency.

① In the event of a dispute arising in connection with this transaction, the parties shall, in principle, resolve the matter through mutual agreement. However, if the parties are unable to reach an agreement or no agreement is reached and litigation is filed in connection with this transaction, the competent court shall be governed by the provisions of the Civil Procedure Act.

② The laws of the Republic of Korea apply to any lawsuits between the company and users of the service in relation to the use of the service.

Supplementary provisions

These Terms and Conditions are effective as of October 1, 2026.