Terms of Service (effective November 25, 2026)

Article 1 (Purpose)

This agreement is intended to stipulate the rights, obligations, and responsibilities of theCompany and members concerning the use of all services provided by PlanningGo Co.,Ltd. (hereinafter referred to as the "Company").

Article 2 (Definitions)

The key terms used in this agreement are defined as follows:

1. 'Service' refers to all services provided by the Company that users can accessregardless of the device (PC, TV, mobile devices, etc.).

2. 'User' refers to 'individual members,' 'corporate members,' and 'non-members' whoreceive services provided by the Company under this agreement.

3. 'Individual Member' refers to a person who registers as a member with the Companyby providing personal information and can continuously receive information from theCompany and use the services provided by the Company.

4. 'Corporate Member' refers to a person who registers as a member with the Companyby providing corporate information and personal information and can continuouslyreceive information from the Company and use the services provided by the Company.

5. 'Non-Member' refers to those who use the services provided by the Company withoutregistering as a member.

6. 'ID' (User ID) is a combination of letters or letters and numbers chosen by a memberand approved by the Company for the purpose of identifying the member and using theservice.

7. 'Password' is a combination of characters (including special characters) and numberschosen by the member to confirm their identity and protect their privacy, which matchesthe member's assigned ID.

8. 'Paid Service' refers to all services provided by the Company for a fee.

9. 'Payment' refers to the act of a member selecting a payment method and enteringfinancial information to use paid services provided by the Company.

10. 'Discount Coupon' is a means issued and managed by the Company for users to useto make payments when using the Company's services.

11. 'Content' refers to characters, letters, voices, sounds, images, videos, various files,links, and other information forms, such as text, photos, videos, and links used on theinformation communication network, as defined by the Information and CommunicationNetwork Act.

Article 3 (Supplementary Provisions)

For matters not specified in this agreement, the provisions of laws or specific terms,operational policies, and rules established by the Company (hereinafter referred to as"Detailed Guidelines") shall apply. In the event of a conflict between this agreement andthe Detailed Guidelines, the Detailed Guidelines shall prevail.

Article 4 (Effect and Amendment of the Agreement)

1. This agreement is posted on all internet services provided by PlanningGo Co., Ltd. (the "Company"). The Company may amend this agreement to the extent that it does not violate laws related to this service, such as the Act on the Consumer Protection in Electronic Commerce, Etc. (the "E-Commerce Act"), the Act on the Regulation of Terms and Conditions, and the Act on Promotion of Information and Communications Network Utilization and Information Protection, Etc. (the "Information and Communications Network Act"). When the agreement is amended, the Company will specify the amended content and the effective date, post a notice from at least 7 days (30 days for changes that are unfavorable to users or material) before the effective date until a reasonable period after it, and also notify existing users individually of the amended agreement, the effective date and the reasons for the change (including an explanation of the important points) by separate electronic means (such as email, text message, in-service message, or a notification message). The amended agreement takes effect on the effective date stated in the notice.

2. When the Company posts or sends a notice of the amended agreement under paragraph 1, it will also state that "if you do not agree to the changes, you may terminate the contract within 7 days (30 days for changes that are unfavorable to users or material) of the notice date or the date you received the notice, and if you do not express an intention to terminate, you will be deemed to have agreed to the changes."

3. If a user does not express refusal of the amended agreement within 7 days (30 days for changes that are unfavorable to users or material) of the notice date or the date of receiving the notice under paragraph 2, the user is deemed to have agreed to the amendment.

Article 5 (Notification to Users)

1. Unless otherwise specified in this agreement, the Company may notify users throughelectronic means, such as email, text messages (SMS), electronic messages, pushnotifications, etc.

2. In the case of a notification to all users, the Company may substitute the noticeaccording to paragraph 1 by posting it on the bulletin board within the Company'soperated website for more than 7 days. However, for matters that significantly affect theuser's own transactions, individual notifications according to paragraph 1 shall be made.

3. In cases where individual notifications are difficult due to the omission of contactinformation, failure to update, or incorrect information provided by the user, theCompany may consider the notice posted according to the preceding paragraph as anindividual notification.

Article 6 (Conclusion of the Service Agreement)

The service agreement is concluded under the following circumstances:

1. When a user agrees to the content of this agreement, applies for membership, and theCompany accepts such an application.

2. When a user wishes to use the service without registering as a member and makes apayment to use the Company's service.

3. When a user wishes to use a free service without registering as a member andproceeds with the procedures of item 1 and 2 related to that free service.

Article 7 (Acceptance of Membership Application)

1. The Company generally approves the use of services upon a request for a serviceagreement.

2. In the case of an application according to paragraph 1, the Company may request real-name verification and identity verification through a specialized organization if necessaryfor service provision.

3. The Company may withhold approval in case there is no available equipment forservice provision, or there are technical or operational issues.

4. In the event of non-approval or withholding approval according to paragraph 3, theCompany shall generally inform the user who applied for service use. However, it isexempt from informing the user if the Company cannot notify the user without its ownfault.

5. The time of the service agreement's establishment is, in the case of item 1 of Article 6,when the Company displays the completion of registration in the application process, andin the case of item 2 of Article 6, when payment is completed, as indicated by theCompany.

Article 8 (Change of Member Information)

1. Members may view and modify their personal information through the personalinformation management screen at any time. However, certain information required forservice management, such as real name and username, cannot be modified.

2. Members are responsible for promptly notifying the Company of any changes in theinformation they provided at the time of membership application, either online or byemail or other means.

3. Members shall be responsible for any disadvantages arising from their failure to notifythe Company of changes as described in paragraph 2.

Article 9 (Management and Protection of Member Information)

1. Members are responsible for the management of their ID and password, and must notallow third parties to use them.

2. The Company may restrict the use of an ID if there is concern that the ID poses a riskof disclosing personal information, violates social norms or public order, or may bemistaken for the Company or service operator.

3. In the event that a member's ID and password are stolen or used by a third party, themember must immediately notify the Company and follow the Company's instructions.

4. The Company shall not be responsible for any disadvantages incurred due to themember's failure to report the situation described in paragraph 3 or failure to follow theCompany's instructions.

Article 10 (Company's Responsibilities)

1. The Company shall promptly repair or recover equipment that has experiencedmalfunctions or losses to ensure the continuous and stable provision of services. In theevent of the following circumstances, the Company may temporarily suspend theprovision of all or part of the services without prior notice. In such cases, the Companyshall promptly notify users of the reasons and the duration of the suspension.

1. Emergency maintenance, expansion, replacement, facility maintenance, orconstruction required for providing new services.

2. System replacement is deemed necessary for providing new services.

3. Inability to provide normal service due to system or other service equipmentmalfunctions, wired or wireless network failures, and the like.

4. Occurrence of a national emergency, power outage, or other force majeurecircumstances.

2. The Company shall make efforts to provide convenience to users in procedures andcontent related to the conclusion, modification, and termination of the serviceagreement.

3. The Company shall post the following information in an easily accessible manner onthe initial screen of the online service, including the name of the representative,company name, address, phone number, facsimile number (FAX), telecommunicationsales registration number, terms and conditions, and privacy policy, to make it easilyaccessible to users.

Article 11 (Protection of Personal Information)

1. The Company values the personal information of users and strives to comply withrelevant laws and regulations, such as the Act on Promotion of Information andCommunications Network Utilization and Information Protection and the PersonalInformation Protection Act. The Company provides information to users through itsprivacy policy, explaining how the personal information provided by users is used, thepurpose and method of use, and measures taken to protect personal information.

2. If there is no usage history of the service for one continuous year from the last usedate, the Company may separate and manage user information in accordance with theprovisions of the Personal Information Protection Act and its enforcement decree. In thiscase, the separated user information will be retained until the user applies formembership withdrawal or personal information deletion.

3. The Company applies relevant laws and its personal information processing policy tothe protection and use of user information. However, the Company's personalinformation processing policy is not applicable to external web pages linked fromwebsites operated by the Company.

Article 12 (User Responsibilities)

1. Users must provide truthful information when applying for use through membershipregistration. If a user registers false or someone else's information, the user cannot claimany rights against the Company, and the Company is not responsible for any damagecaused by this.

2. Users must comply with the provisions of this agreement, other regulationsestablished by the Company, and notices made by the Company. Users must not engagein activities that obstruct the Company's operations or harm the Company's reputation.

3. When a user's personal information, such as address, contact information, emailaddress, is changed, the user must update this information immediately through online

means. The responsibility for any consequences resulting from the user's failure toupdate or delayed updates lies with the user.

4. Users are responsible for directly managing their assigned IDs and passwords. TheCompany is not responsible for problems caused by a user's lax management.

5. When selecting an ID, nickname, or other designations used within the service, usersmust not engage in any of the following activities:

1. Impersonating the official operator of the Company's provided services or using asimilar name to confuse other users.

2. Using names containing explicit or obscene content.

3. Using names that could potentially infringe upon the rights of third parties, such astrademarks, copyrights, and more.

4. Using names that could damage the reputation of third parties or hinder theiractivities.

5. Using names that contain content contrary to social norms or in violation of relevantlaws and regulations.

6. Without the explicit consent of the Company, users are not allowed to engage inactions such as selling, donating, or providing collateral on the rights to use the service,among other dispositions.

7. For details and other precautions related to this article, refer to operational policies.Violation of the service agreement and operational policies may result in servicerestrictions, legal and civil liabilities, and other disadvantages.

Article 13 (Provision of Services)

1. The Company's services are generally provided 24 hours a day, 365 days a year.However, temporary service interruptions may occur for the entire service or part of theservice without prior notice for system maintenance, equipment replacement, and otherspecial reasons. In such cases, the Company shall notify users of the reasons andduration of the interruption promptly.

2. Specific details and guidelines for individual services provided by the Company can befound on the respective service screens.

3. The Company provides the following services:

1. A service for creating commercial product images using artificial intelligence.

2. A service that recommends image examples based on user information.

3. A service for regenerating user product photos based on pre-existing artificialintelligence settings.

4. The company's image generation and editing features operate using generative artificial intelligence, and the company indicates that generated outputs were created by artificial intelligence in accordance with applicable law.

Article 14 (Service Restrictions, etc.)

1. The Company may restrict or suspend the provision of the service in the event of anational emergency, war, natural disaster, or the equivalent, or if there is a reasonableexpectation that such events may occur, or when a telecommunications businessoperator under the Telecommunications Business Act suspends the provision oftelecommunications services.

2. Even for free services, the entire service or parts of the service may be restricted,suspended, or converted to a paid service due to the Company's operational policies andother reasons.

3. When the Company restricts or suspends service usage, it shall promptly inform usersof the reasons, duration of restrictions, scheduled resumption, and other relevant details.

4. When the Company requires payment information in advance and intends to convert aservice that is currently provided for free into a paid service, it shall notify the users ofthe reason and the expected date of the change, and obtain the user's consent for suchconversion.

Article 15 (Termination and Withdrawal Procedure for the Service)

1. Users may request termination of the service agreement at any time by submitting an account withdrawal request on the website.

2. The Company may notify users and terminate the service agreement when usersviolate their obligations as stipulated in this agreement, engage in abnormal or unfair

usage, use prohibited programs, create broadcasts and posts that defame or insultothers, and commit any of these actions despite the Company's initial prohibition ordeletion request, including the first prohibition or deletion request.

3. After the Company receives a user's intention to withdraw, terminate, or cancel, it willinform the user of the response. The response will be in the same manner as how theuser notified the Company, unless there is no contact information provided by the user tothe Company.

Article 16 (Indemnification)

1. The company or the user may claim damages for losses attributable to the other party. However, the company is not liable for losses caused by disruptions to or suspension of free services, or the loss, deletion, or alteration of stored data, unless the company has acted intentionally or negligently.

2. The company is not liable for losses arising without intentional misconduct or negligence on its part.

Article 17 (Exemption)

1. The Company shall not be responsible for service provision in the event of forcemajeure or events equivalent to force majeure that prevent the Company from providingservices.

2. The company is not liable for service disruptions attributable to the user. However, if the company's intentional misconduct or negligence also contributes, it is liable to that extent.

3. Unless the company has acted intentionally or negligently, it is not liable for a user's failure to earn expected profits from using the service or for losses caused by materials obtained through the service.

4. The Company shall not be responsible for the reliability and accuracy of contentposted on web pages by users. The Company shall not mediate in disputes betweenusers or between users and third parties arising from the service.

Article 18 (Provision of Information and Advertisement Posting)

1. The company may display advertisements on service screens, including introductions to other services it operates.

2. The company sends advertising information by email, text message, app push notification, or similar means only to users who have consented in advance to receive it. Users may withdraw that consent at any time.

3. Even when a user refuses to receive information, the Company may provideinformation regarding important matters such as changes in the Terms and Conditions,Personal Information Protection Policy, and other matters that users must be aware of asdefined by the "Act on Promotion of Information and Communication Network Utilizationand Information Protection, etc."

4. In accordance with the "Act on Promotion of Information and Communication NetworkUtilization and Information Protection, etc.," the Company confirms the user's agreementto receive advertisements for profit-making purposes every two years.

5. The Company shall not be held responsible for any losses or damages resulting fromuser participation in promotional activities of advertisers or the outcome of transactions.

6. "Discount coupons" are issued as rewards by the Company for purchase activities orevent participation. Coupons expire and are destroyed if not used, and they are notexchangeable for cash.

Article 19 (Payment for Paid Services, etc.)

1. When using paid services provided by the Company, users are required to pay theusage fee. The methods of payment for usage fees of paid services provided by theCompany are as follows:

1. Various types of card payments such as prepaid cards, debit cards, and credit cards.

2. Various account transfers such as phone banking, internet banking, online non-face-to-face transfers, and others.

2. The Company may verify whether the user has legitimate authorization to use thepayment method, and until such verification is completed, the Company may halt thetransaction process or cancel the relevant transaction.

3. The user's monthly cumulative payment and top-up limits may be restricted accordingto the Company's policy and the standards of payment providers (mobile carriers, creditcard companies, etc.). If these limits are exceeded, additional use of paid services maybe unavailable.

4. The user is responsible for the information entered for payment.

Article 20 (Withdrawal and Refunds)

1. Withdrawal, termination, and refunds for paid services are governed by applicable laws, including the Act on the Consumer Protection in Electronic Commerce, Etc., and this Article. Article 12 of the Subscription Agreement also applies to regular subscription services; in the cases under paragraph 3 of this Article, paragraph 3 applies first.

2. Users may withdraw from the contract within 7 days of the date they paid for the paid service or the date it became available for use, whichever is later. If unused, the full amount is refunded; if partially used, the amount corresponding to the used portion is deducted. No penalty is charged for withdrawal. If applicable law provides a longer period, that period applies.

3. Even after the period in paragraph 2 has passed, the full payment will be refunded in the following cases:

- No use of the service after payment was completed

- Inability to use the service for reasons attributable to the company, such as a service outage

- The purchased service was not provided

- The purchased service differs from, or is significantly different from, its description or advertising

- A defect in the service itself made use of the service substantially impossible

4. The company will issue a refund through the original payment method within 3 business days of the date the obligation to refund arises. If that method is unavailable, the company will give advance notice and refund through a method chosen by the user.

5. The party at fault bears the costs necessary for the refund.

6. Credits that the Company grants free of charge, such as rewards for customer feedback ("Bonus Credits"), may be used until the expiry date notified at the time of grant and expire after that date. Bonus Credits cannot be refunded or exchanged for cash.

Article 21 (Ownership of Rights)

1. Copyrights and other intellectual property rights for services provided by the Companybelong to the Company.

2. The Company grants users the authority to use the services provided by the Companyunder the conditions specified by the Company. Users are not allowed to transfer, sell, orprovide security over this authority.

3. Notwithstanding the provisions of Clause 1, intellectual property rights for contentcreated or authored directly by the user, or content provided in accordance with theCompany's partnership agreement, do not belong to the Company.

Article 22 (Content Management)

1. If content created or authored by a member includes content that violates relevantlaws, such as the "Personal Information Protection Act" and the "Copyright Act,"administrators can request the suspension and deletion of the content through theprocedures defined by the relevant laws, and the Company must take action inaccordance with the relevant laws.

2. Even without a request from the rights holder, the Company may take temporarymeasures for the content if there are reasons to believe that there is a copyrightinfringement or if the content violates the Company's policies or relevant laws.

Article 23 (Copyright of Content)

1. Copyright for the content posted within the service by the user belongs to the authorof that content.

2. The company may use content registered by members and its generated outputs to the extent necessary to provide the service (storage, processing, display, and transmission).

3. The company must obtain the member's prior consent to use their content or generated outputs for promotion, including case studies. Members may withdraw consent at any time. If a member requests deletion or cessation of use, the company will delete the content or cease using it without delay, except where retention is required by applicable law.

Article 24 (Jurisdiction and Governing Law)

Lawsuits concerning disputes related to the service shall be brought before the court with jurisdiction under applicable laws, including the Civil Procedure Act. The laws of the Republic of Korea govern.

Supplementary Provisions

Article 1 (Effective Date)

These terms take effect on November 25, 2026.