CONNECT AI Refund & Cancellation Policy

This Refund & Cancellation Policy governs the cancellation of subscriptions and the right of withdrawal and refunds for paid use of the "CONNECT AI" service (the "Service") operated by CONNECT AI Co., Ltd. (the "Company"). This Policy complies with the Act on the Consumer Protection in Electronic Commerce (the "E-Commerce Act") and its Enforcement Decree, the Electronic Financial Transactions Act, and other applicable laws. General terms for subscription plans, pricing, and credits are governed by the separate Subscription Terms.

This English version is provided for the convenience of users. In case of any inconsistency between this English version and the Korean version, the Korean version shall prevail.

Article 1 (Purpose)

This Policy sets out the rights, obligations, procedures, timelines, and refund-amount calculation methods that apply when a member cancels a subscription or requests withdrawal / a refund after paying for the Company's paid services.

Article 2 (Scope)

This Policy applies to the following payment items:

1. Recurring subscription fees: monthly or annually auto-billed paid plan fees (Starter, Basic, Pro, etc.)
2. Usage-based items (credits): prepaid units deducted as the Service is used (top-up credits, etc.)
3. One-time products: ancillary products purchased in a single transaction (Trial Pass, etc.)
4. Education services: participation fees for paid Academy courses and seminars operated by the Company

For business (corporate) members, where a separate agreement (e.g., an Enterprise contract) has been concluded, that agreement prevails over this Policy (Article 10).

Article 2-2 (Payment rails)

A subscription may be cancelled or changed only on the payment rail that billed it.

1. TossPayments (web): auto-renewal is cancelled in [Settings > Manage Subscription] within the Service. Where a refund is due, the Company processes it against the original TossPayments charge.
2. Apple App Store / Google Play: cancellation is made in the store's own subscription management. The store is the merchant of record, so refunds follow that store's policy and procedure. The Company does not issue Korean tax invoices for those payments.
3. Apple and Google subscriptions are separate rails. One store cannot cancel or change a subscription billed by the other.
4. The Company automatically executes the reversal of the original charge only for full refunds of individual members' paid Academy courses and seminars cancelled before the course begins (Article 5(4)). All other refunds — partial refunds, refunds after a course begins, and refunds of subscription fees, credits, or one-time products — are not executed automatically; they are processed on the original payment rail upon request under Article 7, within the timeline in Article 8. Payments made through the Apple App Store or Google Play are, however, refunded by the store itself under Article 2-2(2). The fact that execution is manual does not limit any refund entitlement granted to members by this Policy. Cross-rail refunds (refunding a purchase made on one rail through another) are not provided.

Article 3 (Subscription Cancellation)

1. A member may cancel the auto-renewal of a recurring subscription at any time. Cancellation is requested on the rail that billed the subscription in accordance with Article 2-2; web (TossPayments) subscriptions can be cancelled directly through [Settings > Manage Subscription] in the Service. The Company enables cancellation by the same means as sign-up, with comparable ease.
2. Cancellation takes effect at the end of the current billing cycle (cancel-at-period-end). After requesting cancellation, the member may continue to use paid features for the remainder of the period, and is automatically moved to a free state thereafter.
3. The Company notifies the member by email or other means of an upcoming auto-renewal (amount and date) at least 7 days before the renewal date.
4. Where a member requests cancellation within 7 days of sign-up or of the date the Service became available, the Company deducts only the amount corresponding to the days used, without penalty, and refunds the balance (in line with the Consumer Dispute Resolution Standards).
5. Where an annual (prepaid) subscription is cancelled mid-term and paragraph 4 does not apply, the refund is calculated under Article 5(2).
6. If an auto-renewal payment fails, the Company retries billing for a set period; if payment is not completed within that period, access to paid features may be suspended.

Article 4 (Right of Withdrawal)

1. Where a member qualifies as a consumer under Article 17(1) of the E-Commerce Act, the member may withdraw within 7 days of the later of the payment date or the date supply commenced.
2. However, under Article 17(2) of the same Act, where supply of services or digital content has commenced, withdrawal may be restricted as to the portion used. To this end the Company (a) clearly indicates on the checkout screen that withdrawal is restricted, and (b) provides a Trial Pass so members can try the Service in advance.
3. Notwithstanding paragraph 2, for divisible digital content, withdrawal and refund remain available for the portion not yet supplied (unused credits).
4. If the Company fails to take the notice/trial measures in paragraph 2, the member may exercise the right of withdrawal.

Article 5 (Calculation of Refund Amount)

To ensure no negative refund occurs, the Company sets the floor of every refund amount at KRW 0, and calculates refunds as follows. Amounts calculated under this Article are paid on the original payment rail upon request under Article 7, within the timeline in Article 8.

Credits granted by a recurring subscription do not carry over or accumulate and are automatically extinguished at the end of the billing period. Such subscription credits are granted monthly and may be used only within that month (billing period); unused credits do not carry over or accumulate into the following month and are automatically extinguished (for annual plans as well, credits are granted monthly and are usable only within each month). Separately purchased top-up credits remain valid for their published validity period (e.g., 12 months) and are not subject to this monthly expiry. Extinguished credits cannot be restored, refunded, or exchanged for cash (Article 6(3)). This does not, however, limit the right of withdrawal under the E-Commerce Act or refunds of unused portions under Articles 5 and 6; for credit payments refunded by the Company itself, refunds are limited to the unused portion. For top-up credits purchased through the stores (Apple App Store / Google Play), the store determines the refund amount, and Article 5(3) applies.

1. Recurring subscription fee (monthly billing)
   • Within 7 days of the first subscription + paid features unused: full refund
   • Cancellation within 7 days of sign-up (partial use): the amount for days used is deducted without penalty and the balance refunded
   • Otherwise: cancellation takes effect at the end of the billing cycle (Article 3); the current cycle, having been provided, is not refunded
2. Recurring subscription fee (annual billing / prepaid)
   • On mid-term cancellation, refund = max(0, annual amount paid − months elapsed × monthly list price)
   • Elapsed months are settled at the pre-discount monthly list price, so any free benefit bundled into the annual payment (e.g., 2 months free) is recovered from the remaining refund
   • (Example) An annual payment of KRW 2,640,000 for a plan with a KRW 264,000 (VAT incl.) monthly list price, cancelled after 3 months: refund = max(0, 2,640,000 − 3 × 264,000) = KRW 1,848,000
3. Usage items (credits)
   • Within 7 days of payment + zero usage: full refund
   • After use commences: refund = max(0, amount paid − credits used × credit list price) — only the unused portion is refunded, and consumed credits are valued at the pre-discount list price
   • Top-up credits purchased through the Apple App Store or Google Play: the store is the merchant of record, so the refund amount is determined by that store's policy and procedure and the calculation above does not apply (Article 2-2(2)). Payment of the refund and its timing are likewise set by that store, and the Company's refund deadline and delay-interest provisions in Article 8 do not apply. Once the refund is confirmed, the Company reclaims the member's credits up to the number of credits granted for that payment, and where the balance held at the time of reclamation is insufficient, the shortfall is not charged to the member
4. Education services (paid Academy courses and seminars)
   • Cancellation before the course begins: full refund. Whether a course has begun is determined solely by the scheduled start date and time announced for that session, and is not assessed differently according to the mode of delivery (online or in person). In this case the Company reverses the original charge immediately upon verifying the request. However, orders from business members, for which a tax invoice may have been issued, follow the procedure in Article 8 so that the corrected tax invoice under Article 10(3) can be handled first.
   • After the course begins, the elapsed portion is deducted by analogy to the Korean Consumer Dispute Resolution Criteria for lifelong-education operators, based on total instruction hours:
     • Before 1/3 of total instruction hours has elapsed: 2/3 of the fee is refunded
     • Before 1/2 has elapsed: 1/2 of the fee is refunded
     • After 1/2 has elapsed: no refund
   • If the Company cancels, postpones, or fails to open a session (e.g., insufficient enrollment): full refund
   • Credits and other completion benefits are granted free of charge, are therefore not refundable (Article 6(2)), and may be reclaimed by the Company if the participation fee is later refunded
5. Free / promotional items: sign-up welcome credits, credits granted free through promotions/events, and free portions of annual payments (e.g., 2 months free) have no cash value and are excluded from refunds
6. Company fault: refunds due to the Company's fault are handled under Article 9
7. Duplicate payment: a clear duplicate payment is refunded in full for the excess charge

Article 6 (Non-Refundable / Restricted Cases)

Refunds are restricted in the following cases under the Electronic Financial Transactions Act and this Policy:

1. Consumed portion of usage items (credits) — under Article 9 of the Electronic Financial Transactions Act, refunds for the used portion of a prepaid electronic payment means are restricted; only the unused portion is refunded per Article 5. For Apple App Store and Google Play payments, however, the store is the merchant of record and determines the refund amount, so the treatment of credits in that case follows Article 5(3).
2. Credits/promotional items provided free by the Company and free portions of annual payments — being provided free of charge, these are not refundable.
3. Items that have expired and been automatically extinguished — not subject to reactivation or refund.
4. Members whose contract is terminated for breach of the Terms — the remaining paid balance is not refundable after notice of termination.
5. Mere change of mind after the Service was duly provided — provided that, within the withdrawal period in Article 4, Article 5 of this Policy applies.

Article 7 (Refund Request Procedure)

1. Channel: support@connectai.kr (email) or in-Service support
2. Information required: account email, payment receipt or order number (orderId), refund reason, and (where the original payment method cannot be refunded) a bank account to receive the refund
3. Identity verification: the Company processes refunds after identity verification and may request additional documents where verification is difficult.
4. Payments made through the Apple App Store or Google Play are requested through that store's own refund process (Article 2-2(2)).

Article 8 (Refund Timeline and Method)

1. Where a valid withdrawal or refund is granted, the Company refunds the amount within 3 business days of that day (Article 18 of the E-Commerce Act).
2. Where the Company delays the refund without justifiable cause, it adds delay-compensation interest of 15% per annum as set out in Article 21-3 of the Enforcement Decree.
3. Refunds are processed to the original payment method in principle. Card payments are reversed via the payment gateway (TossPayments) and may take additional business days depending on the card issuer. Where the original method cannot be refunded, the Company remits to the account notified by the member.
4. If a refund is denied, the Company notifies the member of the reason and legal basis.

Article 9 (Refunds Due to the Company's Fault)

Where the member cannot properly use a paid item due to the Company's fault (system failure, data loss, inability to provide the Service, etc.), the Company takes the following steps even without a request from the member:

1. Usage items (credits): automatic restoration of consumed units
2. Recurring subscription fee: a pro-rated refund for the outage period or a deduction from the next billing cycle, whichever is more favourable to the member. Where a cash refund is required, it is paid on the original payment rail within the timeline in Article 8.
3. Outage notice: the Company notifies the member of the outage and the outcome

Article 10 (Business Members and Enterprise Contracts)

1. Where a business (corporate) member does not qualify as a consumer under the E-Commerce Act, a separate refund policy set by the Company or the agreement between the parties applies first.
2. Where a separate agreement such as Enterprise has been concluded, the refund clauses of that agreement prevail over this Policy.
3. Where a payment for which a tax invoice was issued to a business member is refunded, the Company issues a corrected tax invoice as of the refund date under Article 32 of the Value-Added Tax Act.

Article 11 (Changes to this Policy)

The Company may amend this Policy within the bounds of applicable law. Upon amendment, the Company specifies the effective date and reason and gives notice within the Service or by email at least 7 days in advance (30 days in advance for changes unfavorable to members).

Article 12 (Company Information)

Addendum

This Refund & Cancellation Policy applies from the September 17, 2026 amendment.

Change History