Article 1 (Purpose)

These Terms set out the rights, obligations, and responsibilities of GC (the "Company") and users regarding automatic (recurring) payment for the subscription service provided by the Company.

Article 2 (Definitions)

1. Automatic payment: a method in which, once the user registers a payment method (card), the Company automatically charges fees on a set billing cycle without further authentication.
2. Billing key: a unique identifier for repeat payments that the payment gateway (PG) issues by tokenizing card information. Original card information is not stored on the Company's servers.

Article 3 (Pricing)

1. Subscription fee: a single flat fee of $9.00 (USD) per month. The same amount is charged every month regardless of usage, investment gains or losses, or asset size.
2. The Company does not charge any fees linked to gains or losses, such as performance-based fees or fees proportional to assets under management (AUM).

Article 4 (Billing Cycle and Billing Date)

1. You are charged once a month, every 30 days from your subscription start date.
2. We notify you of the expected charge amount and date by email or in-app notification 7 days before the scheduled billing date.
3. If a payment fails, we retry automatically up to 2 times within 3 business days. If the retries fail, the subscription is suspended.

Article 5 (Billing Key Management and Security)

1. Original payment information such as card numbers and CVC is not stored on the Company's servers; it is tokenized and managed in the payment gateway's secure environment.
2. You can change your payment method or delete your billing key at any time from My Page → Subscription.
3. If your card is used fraudulently through no fault of your own, please report it to customer support immediately.

Article 6 (Cancellation and Refunds)

1. You can cancel your subscription at any time. After cancellation, the Service remains available until the end of the current billing cycle.
2. Refunds are, in principle, prorated daily (total amount paid ÷ 30 days × remaining unused days).
3. Refunds are issued only to the original payment method; refunds to other forms such as points or gift cards are not available.

Article 7 (Service Suspension and Changes)

1. If the Company changes its fees or pricing structure, it will notify you by email and in-service announcement 30 days before the change takes effect.
2. If you do not agree to the change, you may cancel your subscription before it takes effect.

Article 8 (Dispute Resolution)

Disputes relating to these Terms are governed by the laws of the Republic of Korea, and the Seoul Central District Court is the court of first instance.