User Agreement (Terms and Conditions) Chapter 1 General Article 1 (Purpose) This agreement is to set conditions, procedures and requirements in using the service (herein and after "Service") according to each article under the related law on Electric Communication Business and Information Network Use Promotion and Information Protection in the rights and obligations between the member and company and the conditions of use and procedures in combining the member ID and password into one use. Online service provided by KT America, Inc. Online service provided by hellokt.com. All of the contents provided by KTA contracts with other companies or developed by the company. Article 2 (Disclosure, Effect and Amendment of the Terms and Conditions) The content of the terms and conditions become effective through disclosing it online or through other methods to the members. In reasonable cases, the company can change the content of the terms and conditions without prior notice. The company discloses the amended content of the terms and conditions to the Members by the way mentioned in Clause 1 and when there is no further notice, it becomes effective the moment the Member receives notice. If the Member does not agree with the amended User Agreement, he can request to withdraw his membership. When the Member continues to use the service after the amended agreement is effective, the company regards that the Member has agreed to the amended Agreement. Chapter 2 Service Use Contract Article 3 (Service Use Contract) To use KTA service, the Member should read the User Agreement and agree to it. By pressing the "Agree" button on the screen, it is considered as agreeing to the User Agreement. The person who wishes to use the service enters their true personal information in the service application form after agreeing to the User Agreement and after examining the application and accepting it, the Company can conduct name verification procedure. Purchasers using credit card under age eighteen can use the service after receiving agreement from their legal guardian according to the company law beside filling out the forms provided by the company. When registering as a corporate member, there may be a verification procedure. Company can refuse or cancel membership for the following application, and those who have registered in names other than their real names have no rights. Those who have applied using other people's name, social security number and personal information When the content in the service application form is fraudulent Suggesting actions that hurt social order, safety and public moral when using the Service. Disturbing other people in using the service and embezzling information When the person has done something that is prohibited in Internet Safety, Act on Internet Safety, Program Protection Law and other related laws. When the person has been refused service by other service-providing companies, or have taken penal responsibility for the reason stated in Clause 5. When the application form provided by the company is insufficiently filled out. When using the service for commercial purpose or other injudicious purposes. When violating other regulations set by the company. For the following reasons, the company can reject the application until the reason is cleared up. When there is no spare room in the service-related equipment. When there is a technical difficulty. Article 4 (Protection of Personal Information) Company should protect and manage the Member's personal information according to the related laws and take proper measures and post the personal information protection policy and related laws and the Company's personal information protection policy is applied when protecting and using the personal information. In addition, Company does not take responsibility for the exposed information that is attributed by the Member. We will not disclose, sell, trade, or rent Personal Information without your prior consent, except to the extent necessary to provide you with a requested KT America Services. In certain rare circumstances, we may be compelled by law to disclose your Personal Information, such as in connection with a lawsuit or other legal proceeding. In the event disclosure is required, we will use reasonable commercial efforts to try to secure confidential treatment of the disclosed Personal Information, including prohibiting use of the information for any commercial purpose. When a Member requests to view or change their personal information by letter, phone, e-mail, online documentation, Company should identify whether it is the Member himself/herself or not and immediately take appropriate measures. When a representative visits the Company to view or change the information, Company should check if the person really is the representative. In this case, Company can request for evidence to the representative. Company should destroy the personal information without delay when it achieved the purpose of collecting the information or achieved the purpose when receiving the personal information. The following are exceptions. When there is a need to protect personal information under Business Law and other related laws and regulation. When they have noticed the duration period to the users or have receive agreement from the users individually. Chapter 3 Obligation of the contract parties Article 5 (Obligation of the Company) Company should continuously work hard to provide and maintain stable service promised in the user agreement and when there is difficulty with the system, it will do its best to restore the difficulty. However, in inevitable situations as natural disasters and state of emergency, the company can temporarily stop providing the service. Company does not distribute or disclose the personal information of the Members acquired by providing service without the consent of the Member to a third party. However, the following are exceptions. When there is a request from government organizations based on other laws or regulations such as Electric Communication General Law and Business Law. When there is purpose to investigate a crime or there is request from connecting with a lawsuit or other procedures set by related laws. Company should take care of the complaints and opinions raised by the Members if they are reasonable. But, if immediate events are difficult, then the Company should advise the reason and further schedule to the Member. Article 6 (Member Obligations) Members have the obligation to manage their own member ID and password and any results that occur due to the imputation of the member user, the responsibility is attributed to the member. At any time a member acknowledges that a third person is using his or her member ID, the member concerning this incident should immediately report to the company and should follow the guidelines it will provide. When using the service, members should not take the following actions. Illegally using other member's ID, password and social security number. Using the information acquired through the service provided by the company for the purpose besides personal service as coping, publishing, broadcasting the information or providing it to a third party. Violating the right or copyright of the company or others. Distributing documents, writings or figures that violate the public order or public morals or induce information network difficulty. Actions that are directly or indirectly linked to crimes. Other actions that violate any other laws. Using false information when registering as a member or changing the account information. Misrepresent oneself as the manager, employee, staff or person related to the company. Harvest or otherwise collect information about users, including email addresses, without their consent. Member cannot transfer or give its right of service and other status stated in the user contract without the consent of the company. Member can access to their personal information at any given time and make revisions. When there is any change from the registration period, Member should immediately change the information online or through other methods and the Company does not take responsibility for problems that arise for not doing so. Chapter 4 Service Article 7 (Range of Service) Members can use the member ID issued when registering as a member to use the service. As consideration for the services you purchased KT calling card or being a member, contact the customer service center at 1-888-875-0066 or send an email via www.ktamerica .com. and www.hellokt.com. Article 8 (Providing Information) Company can provide information which it thinks the member must know related to change in business policy or when using the services through posting a notice or sending e-mail. Member also agrees to receive e-mail advertising and e-mail newsletters from KTA. Article 9 (Purchase of KT Calling Card) KT Calling Card purchase is available online for those members who have reviewed their information on the www.ktamerica.com and www.hellokt.com The price, tax, finance charges and other charges of KT Calling Cards are subject to change without notifying the customer and will be notified on the products are changed. The KT calling cards are not refundable; exchange is possible only if the card malfunction is proven. The Service and products are provided by KTA on an as is basis, and KTA expressly disclaims any and all warranties, express or implied including without limitation warranties of merchantability and fitness for a particular purpose, with respect to any service or products. KTA is not responsible for the on-line purchased products made outside the company. Customer center is available for customers to review their purchases information and details of minute usages. Article 10 (Service Period) Unless there is difficulty with the business of the company or technical difficulties, service is provided 24 hours a day throughout the year. When the company wishes to stop the service due to unavoidable situations or regular maintenance, it should give notice of the purpose of the stoppage of service and the period. Article 11 (Responsibility for using the service) Member cannot use the service for hacking, advertisements for earning money, commercial activities using pornography sites, distributing licensed unless approved officially through documents by the company. Member is responsible in violations for the resulting loss, legal measures and other responsibilities. Article 12 (Service Suspension) For the following cases, Company can suspend the service. Unavoidable situation such as repairing the service facilities. When Communication Company listed in the Electric Communication Business Law has suspended Electronic Communication Service. Other reasons involving forces beyond control Company can limit the service in whole or in part or even restrict the use of Service when there are forces beyond control as national emergency, blackout, difficulty in service equipment, congestion of users. The company does not hold responsibility for the deleted, unsent, or any loss of information and data. When Company limits or restricts the use of Service due to Clause 1 or Clause 2, it notices the reason and period in beforehand to the Members if possible. When Members violated the User Agreement, the Company can restrict the use of Service without any prior notice. In this case, Company can limit the access of the certain member, Member ID and can delete all or part of the material posted by the Member. When a Member has not used the service for over three months, Company can limit the service by sending a notice e-mail and posting a notice one week in advance. Chapter 5 Termination of Use Contract and Limitation of Use Article 13 (Termination of Use Contract) When a member wishes to terminate the Use Contract, the member must register to terminate the use by on-line or through other ways to the company. The Company may terminate the Use Contract in the event of occurrence or verification of the following without prior notice or prohibit service for a certain period. Using other member's Member ID and password illegally Obstruction of the service procedure on purpose Providing names other than one's real name in the application form When one Member registers twice with a different ID. Distributing contents on purpose that hurt the public order and public moral When the Member uses the service or plans to use with the purpose to damage the national interest or social public interest. Damaging other's reputation or giving disadvantage Sending advertisement information contrary to the intention of the other members. Distributing computer virus programs that can damage, destroy or change the communication equipments or information. Violating the intellectual property right of the company or other people. Requested to delete the material by outside organizations as Korea Internet Safety Commission or received authoritative interpretation by the National Election Commission for illegal election campaign. Using other member's personal information, Member ID and password wrongly. Distribute of copy the information obtained through the company service or use it commercially without the approval of the company Posting lewd content on the member's bulletin board or posting a link connecting to a Web site with contents that harm public morals. Violating the content within the User Agreement and other user agreements set by the company. Chapter 6 Compensation for Damage and others Article 14 (Compensation for Damage) The company does not take any responsibility for the damage of the members occurred using the service provided by free unless the accident was intentionally done by the company or resulted from a major fault of the company. Article 15 (Exemption Clause) When the company cannot provide the service due to natural disaster or any similar incident, the company does not take responsibility for not providing the service. Company does not take responsibility of the service failure that resulted from the responsibility of the member. There can be inaccurate or error in printing within the information, products included in the service provided by the company. The company does not take responsibility for the accuracy of the information. Company does not take any responsibility of the content provided through the service or through consultation. The company also does not take responsibility for losing the expected return by using the service. Therefore, when a member plans to make a law or other financial decision, they should always consult with an expert beforehand. Company does not take responsibility for the reliability and accuracy of the information, data and facts posted by other members. Company does not have the obligation to take part in a dispute between members or member and a third company regarding the service and does not have the responsibility to compensate for the loss. Chapter 7 Others Article 16 (Grievance) The Company collects opinions from the Members related to personal information through phone, letter, e-mail and Web site and handle their complaints. Article 17 (Resolving dispute and Competent Court) Any action related to these Terms will be governed by New Jersey Law and controlling U.S. Law without regard to the choice or conflicts of law provisions of any jurisdiction. You agree to the jurisdiction of the courts located in Bergen County, New Jersey for the resolution of all disputes arising from or related to these Terms and/or your use of the site. Effective on opening date of this site, these terms and conditions are subject to and part of the KT America Consumer Services Agreement found at http://www.ktamerica.com/, http://www.hellokt.com or by calling 1-888-875-0066.