Terms & Conditions
1. Welcome everyone.
1-1. Purpose and Definition
Thank you for using the Moa Card service and products (hereinafter referred to as the "Service"). These Terms and Conditions explain the relationship between Moa Protocol (MOA Protocol), which provides services related to the use of the Moa Card service, and Moa Card service members (hereinafter referred to as "Members") or non-members who use the service. They also stipulate basic matters such as your rights, obligations, responsibilities, terms of use, and procedures required to use the Service.
When you sign up for membership or become a paid member, you are agreeing to these Terms and Conditions and related operating policies, so please take the time to review them carefully.
1-2. Definition of terms
The definitions of terms used in these Terms and Conditions are as follows :
"User" refers to a person who accesses the services operated by the Company and uses the services provided by the Company in accordance with these Terms and Conditions, including both members and non-members.
"Member" refers to a person who provides personal information to the Company and acquires membership, and who can utilize the services and benefits provided by the Company and its partners with whom the Company has entered into a business agreement.
"Login" refers to authenticating yourself to the system to access the services provided by the Company. To log in, you must register for the Service. Upon registration, you will provide the Company with your email address, mobile phone number, or external wallet login information.
"Account" refers to the information required to use Moa Card's member-only services. It refers to an email address or an external wallet account linked to a login, provided to members who agree to the Terms and Conditions and enter into a service agreement with the Company. This information is used as a login method.
"Mobile App" refers to the mobile application that allows access to the Moa Card Service. The mobile app allows you to check various crypto card products and benefits, sign up for membership, deposit and withdraw virtual assets, issue and recharge crypto cards, and view your card usage history. You can also earn and use rewards by participating in various events and missions. You can also view your available benefits and usage history on "My Page."
"Personal Information" refers to information provided by users to use membership services that can be used to identify an individual (including information that cannot be used to identify an individual on its own but can be easily combined with other information to do so).
"Crypto Card" refers to a debit or credit card that allows users to use their cryptocurrency for payments at physical stores or withdrawals from ATMs. Cryptocurrencies are automatically converted into fiat currency for payment, and some cards offer additional features such as staking, cashback, and overseas payment benefits.
"Card Number" refers to the 15- or 16-digit serial number assigned to the card issued by the company to members under this service.
"Card Benefits" refers to all benefits, including discounts and vouchers, provided by various partners with whom the Company has entered into business agreements until the expiration date of the Crypto Card issued to the Member.
"Voucher" refers to a one-time ticket. There are gift vouchers provided free of charge when a Member signs up for a certain membership level, and event vouchers earned through participation in in-app missions and events. Vouchers that have been used or expired will be canceled and cannot be reused or transferred. You can check and use your vouchers on the My Page within the service's mobile application.
"Stores" refers to stores directly operated by partner companies with whom the Company maintains a business agreement (hereinafter referred to as "Stores"). Stores eligible for card benefits may be added or removed at the Company's discretion, and any such changes will be announced via the Moa Card mobile app. 12. "MoaCoin" refers to a cryptocurrency issued by Moa Protocol based on blockchain technology. MoaCoin can be earned through event participation and card usage rewards, or deposited from external wallets and exchanges.
"Staking" refers to a system where users deposit their virtual assets (cryptocurrency) into a blockchain network and receive interest (rewards) in return. It is primarily used in Proof of Stake (PoS) blockchains. By depositing their virtual assets, users contribute to the network's security and operation and receive incentives for this. Similar to earning interest on bank deposits, it is a method of generating passive income.
"Blockchain" refers to a technology that stores data in electronic blocks and sequentially links each block like a chain. It is a distributed data storage method that records transaction history in a publicly accessible ledger and replicates and stores it across all computers participating in the blockchain network. 15. "Smart Contract" refers to a bundle of code written in a programming language that can be executed on the blockchain.
"Digital Asset" refers to any digital blockchain-based item or data, including tokens, NFTs, and digital assets derived from them, that serve as an electronic means of storing value or a medium of exchange within the Service.
"Token" refers to a digital asset in the form of a coin or token issued through a smart contract on the blockchain.
"Private Key" refers to a unique combination of letters and numbers required for transferring, trading, signing, and executing smart contracts for digital assets held by a wallet address.
The definitions of terms used in these Terms and Conditions, except as provided in the preceding paragraph, shall be in accordance with relevant laws and general customs.
1-3. Validity and Change of Terms and Conditions
The contents of these Terms and Conditions will be posted on the service application screen or announced through other means, and will be effective for all members who agree to them.
The Company may change these Terms and Conditions, if necessary, as long as it does not violate relevant laws and regulations. In the event of a change to these Terms and Conditions, the Company will, in principle, announce or notify members of the change through a service notice at least 7 days prior to the effective date. If the change is unavoidable and disadvantages members, the Company will proactively notify members at least 30 days prior to the effective date by sending an email to the email address registered in the Moa Card membership information or a text message to the member's registered mobile phone number.
If the Company clearly states that failure to reject the revised Terms and Conditions within 7 days of the effective date of the announcement or notification of the change in the Terms and Conditions pursuant to Paragraph 2 will be deemed acceptance of the revised Terms and Conditions, and the member does not reject the revised Terms and Conditions, the member will be deemed to have accepted the revised Terms and Conditions.
Members may express their rejection of the revised Terms and Conditions and may choose to terminate their Service Agreement. 5. These Terms and Conditions apply from the date you agree to them until the termination of the User Agreement pursuant to Article 15. However, some provisions of these Terms and Conditions may remain in effect even after termination.
1-4. Rules other than the terms and conditions
Matters not stipulated in these Terms and Conditions shall be governed by relevant laws and regulations, the operating policies and rules of individual services, the Terms of Use, operating policies, and rules (collectively, "Detailed Guidelines"). Furthermore, in the event of a conflict between these Terms and Conditions and the Detailed Guidelines, the Detailed Guidelines shall take precedence.
2. Service Use Agreement
2-1. Establishment of a contract
To use membership services, you need a Moa Card account (hereinafter referred to as "Account"). If you do not have an account, please first create one by registering as a member.
The Service Use Agreement is concluded when you agree to the terms and conditions of this Agreement, fill out your membership information in the registration form provided by the Company, and express your agreement to these Terms and Conditions.
To apply for the Service Use Agreement, you must meet the following qualifications:
The Company cancels or denies registration for users under the age of 19. Guardians and legal representatives of users under the age of 19 may request access to, correction, or renewal of their child's personal information or withdraw consent to membership registration. In such cases, the Company must take necessary measures without delay.
Moa Card service allows users to register regardless of nationality or residence.
To register as a member, you must agree to these Terms of Use and the Privacy Policy (including "Consent to the Collection, Provision, and Use of Personal Information").
Two or more users cannot share a single membership account.
Users who use their service account for fraudulent purposes, interfere with the Company's normal service operations, or otherwise cause damage to the Company may have their membership suspended or revoked at the Company's discretion. Depending on the severity of the misconduct, the user may be prohibited from re-registering.
Users must comply with the detailed operating regulations stipulated in these Terms of Use. Members who provide false information during membership registration may be subject to legal protection and restrictions on membership services.
Users who apply for a Service Use Agreement will be registered as members unless they fall under any of the provisions of Article 2-2.
The Service Use Agreement is established when the "Service" approval reaches the user. The membership period for users who have signed up as members through the Service Use Agreement is from the completion of membership registration until the member's withdrawal.
Members may view and edit their personal information at any time through the Personal Information Management screen in My Page. However, certain information required for service management and maintenance cannot be edited arbitrarily.
If there are any changes to the information registered upon registration, members must notify the company of such changes through the mobile app, email, or other means, and must always keep their information up to date.
The Company shall not be liable for any disadvantages resulting from failure to notify the Company of changes in the preceding clause.
2-2. Service subscription restrictions
The Company, in principle, approves service membership applications for applicants for service use agreements pursuant to Article 2-1. However, in the following cases, the Company may withhold or refuse approval until the reasons for the delay are resolved. In particular, we clarify that you cannot register for the Service if you are under the age of 19.
If you do not agree to the "I am 19 years of age or older" clause when signing up for the service.
If the information you registered is found to be false, missing, or incorrect, and the reason for such false or omitted information is deemed malicious.
If you attempt to sign up for the service using another person's personal information, including an email address.
If a member who has engaged in malicious misconduct is subject to a service suspension or other action by the company, arbitrarily terminates the service contract and applies for re-registration during the suspension period.
If you violate other relevant laws or regulations or violate the company's standards, such as detailed guidelines.
If the company recognizes financial or technical issues in providing and operating the service.
If it is determined that you have signed up for the service in violation of the above conditions, the company may immediately suspend your use of the service for a certain period of time or delete your account, or impose other appropriate restrictions.
3. Service Use
3-1. Provision of services
Once the Service Agreement is established, you can freely use the various mobile app features and events that comprise the Service, whenever you wish. However, a separate service agreement may be entered into when the card is issued for Crypto Card use.
However, some lower-tier paid services within the Service require you to agree to separate terms and conditions. You must also provide additional information or complete a verification process, such as text message verification or email verification, as specified by the Company.
You may terminate your Service subscription at any time after signing up. In such a case, all data, including personal information and service usage records, will be deleted, except for information required to be retained for a certain period of time in accordance with applicable laws and regulations. However, if you hold a Crypto Card at the time you wish to terminate your Service subscription, termination is not possible. You must cancel your Crypto Card before you can terminate your Service subscription. Please also note that you cannot reuse the Service with the same account (email or social media login information) after termination.
The Company offers various membership benefits. You can use the Service by downloading and installing it from your smartphone's application store. However, because the Company constantly offers various card benefit services you desire, we cannot provide detailed information on service introduction and usage separately. We ask for your understanding in this regard. The Company also provides detailed service usage instructions in the application store, customer service centers, help, and announcements for each service, so please check them at any time.
The Company may provide updated versions of the software required for the Service to improve service. Software updates include the addition of important features, the removal of unnecessary features, and error corrections. Depending on the importance of the update, the Service may be usable without an update. However, in some cases, significant bug fixes or important feature modifications may require the update to run the software. We ask that you continue to update the Service to ensure a pleasant and stable experience.
To provide you with a better Service, the Company may display various notifications, management messages, advertisements, and other information related to the Service within the Service or send them directly to the contact information registered in your account information. To ensure you don't miss important announcements and useful information from the company, please keep your contact information up to date. The company is not responsible for any damages resulting from failure to receive important announcements due to incorrectly registered contact information. However, we will only send promotional information via approved means if you have previously consented to receiving such information.
If you encounter any inconveniences, system errors, or other issues while using the service, please contact our customer service center at any time.
Please note that if you use the service via your mobile carrier's wireless internet instead of Wi-Fi, you may incur additional data charges from your mobile carrier. You are responsible for paying any data charges incurred while using the service to your mobile carrier at your own expense and responsibility. For detailed information on data charges, please contact your mobile carrier.
3-2. Changes and Termination of Services
The Company makes every effort to provide services 24 hours a day, 365 days a year. However, in the following cases, all or part of the service may be restricted or suspended.
In the case of regular or temporary inspections for maintenance or repair of service equipment.
In the case of disruption to normal service use due to power outages, equipment failures, or excessive usage.
In the case of the Company's inability to maintain all or part of the service due to various circumstances, such as termination of contracts with partner companies, government orders/regulations, or changes to service/membership policies.
In the case of force majeure, such as natural disasters or national emergencies.
In the event of a service interruption pursuant to the preceding paragraph, we will notify you in advance using the methods specified in Article 4-3. In such cases, re-login or additional consent procedures may be required to ensure smooth service and policy changes. However, this does not apply in cases where advance notice or announcement is impossible due to unforeseen or uncontrollable circumstances (e.g., disk or server failures, system downtime, etc. not attributable to the Company). Even in such cases, the Company will endeavor to restore service as quickly as possible upon becoming aware of the situation and notify you through notices, etc.
3-3. Management and use of posts within the service
You may post content (hereinafter referred to as "Postings") within the Service, including photos, text, information, videos, opinions, or suggestions about the Service or the Company. The copyright to any Postings you post within the Service belongs to you, and the Company reserves the right to post them within the Service.
You grant the Company a worldwide license to use, store, modify, reproduce, publicly transmit, display, and distribute any Postings you post within the Service. The rights you grant the Company under this license are limited to the scope of operating, improving, and promoting the Service and developing new services. This license also includes sublicenses to parties with whom the Company has entered into an explicit business agreement or to other users within this scope. The Company may also use the Postings for service improvement and research and development purposes.
You must possess the necessary rights to grant the Company a license for any Content you provide to the Company. The poster is responsible for any issues arising from a lack of such rights. Furthermore, you may not publish or post any Content that is obscene, violent, or otherwise violates public order, morals, or laws.
The copyright for works created by the Company belongs to the Company. You may not use materials posted on the Service for commercial purposes, such as processing or selling information obtained through the Service, or allow third parties to use such materials. Copyright infringement of posts is subject to applicable laws.
Some content not owned by the Company may appear on the Service. The entity providing such content is solely responsible for such content. Your use of the Service does not grant you any rights to other users' content. You must obtain separate permission from the content owner to use other users' content.
If your post contains content that violates the Act on Promotion of Information and Communications Network Utilization and Information Protection (hereinafter referred to as the "Network Act"), the Copyright Act, or other relevant laws, the rights holder may request the Company to suspend or delete the post in accordance with the procedures set forth in the relevant laws. The Company will take action in accordance with the relevant laws. 7. The Company may delete or refuse to post your content if it is determined to violate relevant laws, be obscene or harmful to minors, promote discrimination or conflict, be spammy, advertise, promote, or spam, involve account transfers or transactions, or impersonate others. However, the Company is not obligated to review all content. If someone infringes on your rights, you can request a post takedown through the Customer Center.
Even without a request from the rights holder, the Company may take temporary measures, etc., in accordance with relevant laws and regulations if there is reasonable grounds to believe that a post has infringed upon your rights or if the post violates the Company's policies or relevant laws and regulations.
Detailed procedures related to the above shall be governed by the Company's established procedures for reporting rights infringement, within the scope of the Information and Communications Network Act and the Copyright Act.
3-4. Service Use and Precautions
You may use the Service freely, but you must not engage in any of the following acts.
Entering false information when applying for or changing service, stealing or illegally using another person's information and password, using another person's name, or performing text message (SMS) authentication without the permission of the mobile phone owner.
Reproducing, distributing, or commercially exploiting information obtained through the Company's services without the Company's express prior consent.
Infringing on the copyrights or other rights of the Company or a third party.
Posting false information about the Company or a third party within the Service.
Defaming or causing disadvantage to another person.
Posting content that violates public order and morals, pornography, or linking to pornographic websites.
Registering or distributing computer virus-infected data that causes malfunction of equipment related to the Service or destruction or disruption of information.
Collecting, storing, or disclosing other users' personal information.
Transmitting advertising information or spam mail that may interfere with the operation or stability of the Service, or against the recipient's express refusal to receive such information, or without the recipient's express consent.
Transmitting any part of the Service or the software included therein without the Company's consent. Copying, modifying, distributing, selling, transferring, leasing, providing collateral, or permitting others to use the Service; duplicating, disassembling, imitating, or otherwise modifying the Service, including reverse engineering the software or attempting to extract the source code.
Spreading false information with the intent to provide financial benefits to the Company or others, or to cause harm to others, including harm to others.
Transmitting or posting information (including computer programs) prohibited by applicable laws and regulations.
Posting articles, sending emails, SMS messages, etc. by impersonating or falsely representing the Company's employees or operators, or using another person's name.
Unfairly exploiting the Service, such as repeatedly issuing and then canceling a crypto card for the purpose of receiving rewards provided by the Company when issuing the card.
Using the Service for profit without the Company's consent.
Sending and receiving tokens through abnormal means.
Sending and receiving tokens for speculative or money laundering purposes other than the normal use of the Service.
Using tokens to motivate or facilitate illegal activities.
Illegal activities such as multi-level marketing or quasi-receipts.
Other current laws and regulations, these Terms and Conditions, and Any act that violates the detailed guidelines related to the services provided by the company, such as the operating policy.
You may not transfer, donate, or offer as collateral your right to use the Service or any other status under the Service Agreement to any third party.
Depending on your qualifications or age, some aspects of the Service may be restricted, as described below.
Users under the age of 19 cannot enter into an accommodation contract without the consent of a guardian, as stipulated by the Youth Protection Act. Calculating accommodation fees for accommodations, such as hotels, constitutes an accommodation contract and is strictly a legal act. Accordingly, Articles 4 and 5 of the Civil Act stipulate that anyone under the age of 19 must obtain the consent of a guardian before engaging in any legal act. When purchasing a paid product that includes benefits such as hotel accommodations, the Company may restrict access to the service for users under the age of 19.
For purchases of age-restricted products, as described in the preceding paragraph, the Company may require identity and age verification through real-name verification in accordance with the Information and Communications Network Act and the Youth Protection Act to verify that the user is 19 years of age or older. If age verification is not possible through identity and age verification, access to the relevant service may be restricted.
For service contracts entered into by users under the age of 19, access to all or part of the service may be restricted for a certain period of time upon the request of a legal representative or with the consent of the user under the age of 19.
If a user reports to the Company through the Customer Center or other means within the Service, the Company may store and retain the user's information and report details. This information will be retained solely by the Company. The Company may access this information only for the purpose of mediating user disputes and handling complaints, and third parties may only access this information if authorized by law. The Company will retain this information for three years from the date of receipt of the report for the purpose of preventing and managing misuse, and then destroy it.
If you fail to comply with relevant laws, regulations, or any of the Company's Terms and Conditions or policies, the Company may investigate your violations and delete or temporarily delete your posts, temporarily or permanently suspend your account, the Service, or any individual Service within the Service. The Company may also restrict your ability to re-register for the Service or re-use certain individual Services. Furthermore, if you cause malfunctions in Service-related equipment, damage, or disruption to the system, adversely affecting the Service or seriously disrupting its stable operation, the Company may restrict the use of your account where such risky activity has been identified. However, if you are dissatisfied with the results of a service restriction, you may file an objection through the Customer Center.
Service restrictions are, in principle, applied in stages, from temporary to permanent, based on the cumulative severity of violations. However, in the case of clear illegal acts prohibited by applicable laws, such as posting and distributing obscene content or promoting gambling, or in cases where the rights of others are infringed and urgent risk or damage prevention is required, service may be permanently restricted immediately, regardless of the cumulative severity of violations.
3-5. Use of paid services and precautions
While the Company provides basic services free of charge, some paid services are offered to provide more practical products and benefits. For example, by registering as a member and providing valuable information through the Moa Card mobile app, you can receive a crypto card provided by the Company and enjoy various benefits, such as discounts at partner stores. However, to enjoy more diverse and extensive benefits over a longer period of time, you must pay the amount or digital assets set by the Company when the crypto card is issued.
When using paid services provided by the Company, you must pay the usage fee in principle. Payment for paid services provided by the Company can be made in fiat currency (USD) or virtual currency, and payment methods may vary depending on the paid service.
The Company may request additional personal information necessary for payment processing, and you must accurately provide the requested personal information.
Some products you purchase include vouchers provided by the Company. The type, number, and usage of vouchers provided vary depending on the product and level purchased. Detailed information is provided on the product introduction page.
Vouchers provided can be used on products from brands within the category to which they belong. Once used, the vouchers will expire and cannot be reused. If you neglect to manage your account and allow others to access your account and use vouchers, the company will not be responsible for refunds, voucher restoration, or other damages.
Matters not specified in this clause are governed by the individual service terms and conditions (e.g., Crypto Card Service Terms of Use). In the event of a conflict between the provisions of this clause and the terms and conditions of a paid service, the terms and conditions of the paid service shall govern.
3-6. Using Moacoin
The Company may grant Moa Coins to members as rewards for purchasing paid products and other activities within the Service.
The Company may establish and implement separate Terms of Use or detailed guidelines regarding users' acquisition and use of Moa Coins, and members must comply with such guidelines.
If the Company enables members to accumulate and use Moa Coins through partnerships with partners, the Company may provide or receive from the partner the minimum information necessary for the member's accumulation and use of Moa Coins (such as IDs and duplicate verification information for member identification and membership validity verification).
If it is confirmed that you have acquired Moa Coins through fraudulent means, the Company may take other measures, such as recovering fraudulently accumulated Moa Coins, suspending or deleting your account, or filing a criminal complaint, depending on the severity of the illegality.
3-7. Exchange tokens
Token Swap is a token swap service provided by Uniswap. The Company is not involved in this service in any way, and Uniswap assumes all responsibility and liability for this service. Any inquiries regarding this service should be directed to Uniswap (https://uniswap.org).
When using the token swap service provided by Uniswap, losses in valuation may occur due to fluctuations in the price of digital assets. Members must be aware of this fact when using this service.
The value displayed in the app is an estimated value converted to USD based on the Coingecko USDT price and is provided for reference only. The Company does not guarantee or warrant such value.
The Company does not provide any recommendations, advice, or opinions regarding token swaps to members under any circumstances. All decisions regarding the use of the token swap service and any resulting liabilities are solely the responsibility of the member.
3-8. Protection of Personal Information
The secure handling of your personal information is one of the company's most important priorities. Your personal information will be used only for the purposes and scope you consented to, ensuring smooth service provision. Rest assured, the company will never provide your personal information to third parties unless required by applicable laws or your separate consent.
For more information on the company's efforts to securely handle your personal information and other details, please refer to the Moa Card Privacy Policy.
3-9. Termination of Service Agreement
If you cancel your Moa Card membership, your service agreement will automatically be terminated.
If you wish to cancel your service agreement, you may request cancellation at any time using the menu provided within the service. The company will promptly process your request in accordance with applicable laws and regulations.
However, if you hold a valid Crypto Card at the time of your cancellation request, you cannot cancel your membership. Users holding a Crypto Card must complete the cancellation process for their Crypto Card before applying for membership cancellation.
Cancellation of your paid service agreement is established upon your cancellation request and the company's approval. Any refunds will be issued. However, if each paid service has different cancellation methods and effects than these Terms and Conditions, the terms and conditions of each paid service and related detailed guidelines will apply. 5. When the Service Agreement is terminated, your information will be sequentially deleted after a certain period of time, except in cases where certain information is retained in accordance with relevant laws and regulations and Moa Card's Privacy Policy. Once completely deleted, your information cannot be recovered.
Even if the Service Agreement is terminated, you may re-apply to the Company for a Service Agreement. However, if you terminate the Service Agreement and then re-apply for a Service Agreement while your use of the Service has been suspended due to your failure to comply with relevant laws, these Terms and Conditions, or detailed guidelines, you may be restricted from re-enrolling in the Service.
4. Etc
4-1. Obligations of the “Company”
The Company will not engage in any conduct prohibited by applicable laws or these Terms and Conditions or contrary to common sense, and will make every effort to provide continuous and stable services.
Members are responsible for safely storing and managing their private keys. The Company cannot access and does not store private keys.
The Company must establish a security system to protect personal information so that members can safely use the Service, and will publicize and comply with its personal information processing policy.
The Company will maintain the necessary personnel and systems to appropriately handle complaints or requests for damage relief arising from the use of the Service.
The Company will address any opinions or complaints raised by members regarding the use of the Service if deemed justifiable. The Company will communicate the process and results of any opinions or complaints raised by members via email or other means.
4-2. Compensation for damages, etc.
To the extent permitted by applicable laws and regulations, the Company does not make any promises or warranties regarding any specific matters not expressly stated in these Terms and Conditions. Furthermore, the Company does not guarantee the reliability or accuracy of any information, materials, or facts posted by you while using the Service, and the Company is not liable for any damages incurred by you due to reasons not attributable to the Company's negligence.
If you suffer damages due to the Company's negligence, the Company will compensate you for those damages in accordance with these Terms and Conditions and applicable laws. However, the Company is not liable for the following damages that occurred without the Company's negligence. Furthermore, the Company is not liable for indirect, special, consequential, disciplinary, or punitive damages to the extent permitted by law.
Damage caused by natural disasters or other similar force majeure
If service use is interrupted due to your fault
Personal damages incurred while accessing or using the service
Damages incurred by a third party illegally accessing or using the company's servers
Damages incurred by a third party interfering with transmissions to or from the company's servers
Damages incurred by a third party transmitting or distributing malicious programs
Damages incurred by a third party while using the service, such as damages resulting from the omission, omission, or destruction of transmitted data, or defamation
Damages incurred due to other causes not attributable to the company's intent or negligence
The Company is not responsible for any loss of expected profits resulting from your use of the Service, nor is it responsible for any damages resulting from information obtained through the Service.
The Company has no obligation to intervene in any disputes that arise between you or between you and a third party through the Service, unless the disputes are due to the Company's negligence, and is not responsible for any damages resulting therefrom.
4-3. Notices and Announcements
The company values your feedback. You can contact the Moacard Customer Center at any time to express your opinion. Notices to all service users are effective upon posting on the notice board for at least seven days. For matters that significantly impact you, we will notify you via email to the email address registered in your account or text message to the mobile phone number you registered. We also ask that you keep your member information up to date whenever your contact information changes.
4-4. Dispute Resolution
These Terms and Conditions and the Services are governed by and construed in accordance with the laws of the Virgin Islands. Should any dispute arise between you and the Company in connection with your use of the Services, we will endeavor to resolve the matter through good faith negotiations. If a resolution is not reached, you may file a lawsuit in a court of competent jurisdiction under the Civil Procedure Act.
Supplementary provisions
[Enactment] These Terms and Conditions will be effective from November 1, 2025.
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