Terms of Service
These Terms of Service are intended to define the rights, obligations, and responsibilities between the company and users in relation to the use of all cloud and online services (hereinafter referred to as "Services") provided by insighta cloud Inc. (hereinafter referred to as "the Company"). By using the Services, the user is deemed to have agreed to all provisions of these Terms.
Article 1 (Provision of Information and Limitation of Liability)
1. The Company provides various information through the Services; however, the Company shall not be directly responsible for any investment, purchase, or transaction based on such information. However, the Company shall be liable in accordance with applicable laws in the event of damages caused by its willful misconduct or gross negligence.
2. The Company does not guarantee the accuracy, completeness, or reliability of the provided information, and limits its liability for any damages arising from it (except in cases of willful misconduct or gross negligence).
Article 2 (Service Disruptions and Compensation for Damages)
1. The Company limits its liability in general for service interruptions or errors caused by server downtime, network failures, software errors, unforeseen bugs, etc., and shall be liable in accordance with applicable laws only in cases of willful misconduct or gross negligence.
2. In particular, the Company limits its liability for damages caused by inaccuracies or malfunctions of AI services and any financial or mental damages suffered by users, unless willful misconduct or gross negligence is proven.
Article 3 (Payment, Subscription, and Refunds)
1. This service is provided as a subscription-based model, and detailed information regarding specific pricing and payment conditions is separately displayed on each product's purchase page. Payment is processed through third-party payment service providers. Payment, subscription renewal, cancellation, etc. are subject to the policies and procedures of the respective payment service providers.
2. Payment is due immediately upon subscription application, and services are provided immediately after purchase.
3. The Company does not directly store credit card information for payment purposes and may only retain minimal identification information such as the last 4 digits of card numbers for service convenience.
4. Refund and subscription-related policies comply with both these Terms and the policies of third-party payment service providers, and disputes shall be resolved in accordance with applicable laws.
5. Due to the nature of the service, returns are not possible. Due to the characteristics of digital services, matters regarding exchanges and defective products do not apply.
6. Cancellation of regular subscriptions can be requested at any time through website functions or customer service email. If cancellation is completed before the next billing date, subsequent charges will not be incurred. However, pro-rated refunds are not provided.
7. If you are unable to use the service due to system failures within 7 days from the service start date, we will provide refund support. For details, please contact us through website functions or customer service email.
8. Credit Service: The Company may provide credits to users through event participation, promotions, service usage rewards, etc. Credits can only be used as discount benefits when using services, and monetary charging or purchasing of credits is not possible, nor is cash refund or exchange provided. Credits provide discount benefits equivalent to 1 USD per credit, and when making payments, discounts are applied in local currency using exchange rates updated daily at 0:00 UTC. Among held credits, those with earlier expiration dates are automatically deducted first, and credits that have passed their expiration date are automatically forfeited. Refunds are not possible for credit usage due to user errors such as operational mistakes, and even when credit usage is restored due to service refunds or other reasons, it will be restored exactly as the original usage amount.
Article 4 (No Provision of Investment Advice)
1. The Services do not provide investment advice, and the provided information should only be used for reference.
2. Users are advised to consult with professionals or conduct sufficient research before making investment decisions, and the Company limits its legal liability for any results unless willful misconduct or gross negligence is established.
Article 5 (Protection of Personal Information and Security)
1. The Company implements reasonable security measures to protect users' personal information and, in principle, does not disclose it to third parties.
2. However, in cases required by law, with the user's prior consent, or in urgent situations requiring personal information protection, exceptions may be made in compliance with applicable laws.
Article 6 (Data Retention and Deletion)
1. Upon a user's request to terminate the service, the Company will securely delete the user's data within three months after termination.
2. However, if there is a legal obligation to retain data, the data will be retained for the required period, and the user is deemed to have agreed to this retention.
Article 7 (Intellectual Property Rights)
1. All content (texts, images, designs, software, etc.) within the Services is the property of the Company, including copyrights and other intellectual property rights.
2. Users may not reproduce, transmit, distribute, modify, or commercially use such content without the Company’s prior written consent, and may only use it within the limits permitted by law.
Article 8 (Data Sources and Rights of the Original Authors)
1. Some data provided in this service is information obtained from external sources, and all rights belong to the original authors of such data.
2. The Company utilizes external data only within the scope of fair use under copyright law and does not engage in any use that exceeds this scope.
3. Users must likewise use data from external sources only within the scope of fair use and must comply with the copyright and other intellectual property rights of the original authors.
4. Users shall bear all legal liability arising from unauthorized use that exceeds the scope of fair use, and the Company assumes no responsibility whatsoever in this regard.
5. The Company continuously monitors to prevent copyright infringement and will immediately review relevant content and take necessary measures upon receiving reports of rights violations.
Article 9 (Disclaimer)
1. The Company limits its legal liability for any disputes between users or any damages arising from the use of the Services, except where willful misconduct or gross negligence is proven.
2. The Company shall also limit its liability for damages due to uncontrollable events such as natural disasters, wars, terrorism, government regulation, or communication failures.
3. However, the Company shall be liable for damages resulting from its willful misconduct or gross negligence.
Article 10 (Dispute Resolution and Governing Law)
1. Any disputes arising from these Terms shall be resolved in accordance with the laws of the Republic of Korea, and in the event of a dispute, the court having jurisdiction over the location of the Company's headquarters shall be the court of first instance.
2. However, disputes related to consumer protection may be subject to separate protections in accordance with applicable laws.
Article 11 (Miscellaneous and Amendments to the Terms)
1. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
2. The Company may amend these Terms without prior notice in order to improve its Services and operational policies, and the amended Terms will become effective either by posting a notice within the Services or by notifying users separately.
Article 12 (Compliance with GDPR and Other Personal Data Protection Regulations)
The Company complies with the European Union’s General Data Protection Regulation (GDPR) and other relevant laws, and specific measures regarding the processing and protection of personal data of users within the EU are set forth in a separate privacy policy. This policy is deemed part of these Terms, and users are obligated to review it in advance.
Article 13 (User Obligations and Prohibited Activities)
1. Users shall comply with all applicable laws and these Terms when using the Services, and must not infringe upon the rights (copyrights, personal data, portrait rights, etc.) of others.
2. Users must not post or transmit any content that is illegal, harmful, violent, obscene, or otherwise inappropriate. In the event that such actions are detected, the Company may restrict access or terminate the user's account without prior notice.
Article 14 (Account Management and Security)
1. When creating an account to use the Services, users must maintain the accuracy of their account information and are responsible for safely managing their passwords and other authentication credentials.
2. If unauthorized use or theft of the account is suspected, users must immediately notify the Company, and any damages arising from failure to do so shall be the responsibility of the user.
Article 15 (Restrictions and Termination of Service Use)
1. The Company may take appropriate actions, such as issuing a warning, temporarily suspending, or permanently restricting access if the user violates these Terms or disrupts the operation of the Services.
2. Users may not terminate the service agreement without the Company’s prior consent, and obligations under applicable laws shall continue even after termination.
Article 16 (Third-Party Services and Links)
1. The Services may include content or links provided by third parties, and the Company shall not be responsible for any direct liability arising from such third-party content.
2. Although the Company performs prior verification of third-party content, it shall not be responsible for any issues that may arise when users access third-party sites.
Article 17 (Service Changes and Update Notifications)
1. The Company will notify users of any changes to the service content, features, or operational policies via prior notice (e.g., email, in-service announcements, etc.).
2. However, in cases of urgent security issues or necessary emergency measures, notice may be given after the fact, and users are obligated to cooperate with the Company’s measures.
Article 18 (Details of the Dispute Resolution Process)
1. In the event of a dispute, the user shall first attempt to resolve the issue through consultation with the Company.
2. If consultation fails, the Company will seek to resolve the dispute through arbitration or mediation, and ultimately through legal proceedings.
3. Specific details regarding the dispute resolution process and the submission of documents will be provided separately.
Article 19 (Specific Standards for Data Processing and Retention)
1. The Company will retain users' personal information and service data for a reasonable period in accordance with applicable laws, and the retention period and purpose will be specified in a separate privacy policy.
2. Users may request access, correction, or deletion of their personal information at any time, and the Company will take measures in accordance with applicable laws.
Article 20 (Legal Notices and Notification of Changes)
1. These Terms and related legal notices will be communicated to users via in-service announcements, email, or other appropriate methods.
2. Users are obligated to regularly review any changes to these Terms and notices, and continued use of the Services after any changes shall be deemed as acceptance of such changes.
Article 21 (Service Level Agreement and Uptime Guarantee)
1. The Company will make reasonable efforts to guarantee the availability and response time of the Services. However, liability may be limited in cases of force majeure or events beyond the Company’s control.
2. Specific service levels (SLA) and compensation criteria in the event of a service disruption are detailed in a separate SLA document, which is deemed part of these Terms.
Article 22 (Maintenance and Scheduled Downtime)
1. The Company will notify users in advance if the Services are temporarily suspended due to regular maintenance or updates.
2. In cases of emergency inspections or security issues, notice may be given after the fact, and any inconvenience caused will be addressed within the limits of applicable laws.
Article 23 (Data Backup and Disaster Recovery)
1. The Company establishes and implements a regular data backup and disaster recovery plan to ensure the stability of the Services.
2. Specific targets for data recovery (RPO) and recovery time (RTO) are detailed in a separate disaster recovery plan document, which is deemed part of these Terms.
Article 24 (Technical Support and Customer Service)
1. The Company operates various support channels such as email, chat, and telephone for technical support and customer service related to the Services.
2. Specific details regarding support scope, response times, and service conditions are set forth in a separate customer support policy, which is deemed part of these Terms.
Article 25 (Data Localization and International Transfer)
1. The Company clearly informs users of the location of data storage and processing, and, if necessary, obtains the user’s prior consent for international data transfers in accordance with applicable laws.
2. When transferring data internationally, the Company complies with the laws of the destination country and international regulations, and takes additional measures to protect users' personal information.
Article 26 (Enhanced Security and Encryption Measures)
1. The Company employs the latest security technologies and encryption measures to protect users' data in the cloud service environment.
2. Measures such as access control, intrusion detection, and security audits are implemented to counteract data breaches and hacking attempts, with the relevant security policies notified separately.
These Terms shall take effect as of February 4, 2025.