Myven Billing and Refund Policy

Article 1 Purpose

1. This policy sets the payment terms, recurring billing, cancellation, withdrawal, refund, payment failure, coupon, and transaction-record rules for Myven paid memberships and paid services.
2. This policy is a billing and refund policy attached to the Myven Terms of Service and applies together with those Terms.
3. If this policy and the Terms conflict, this policy controls for paid-service billing and refunds. Mandatory law that is more favorable to the user always controls.

Article 2 Product Terms and Pre-Payment Notice

1. The product name, price, currency, billing cycle, service period, discount, coupon application, and final payment amount shown immediately before payment are the individual contract terms.
2. Before payment, the Company displays the product terms, whether recurring billing applies, the next scheduled payment date or service period, cancellation method, and refund standards.
3. If a free period or trial converts to a paid recurring subscription, the Company gives prior notice of the conversion time, price, payment method, cancellation method, and refund standards, and obtains any required consent.
4. If the recurring payment amount increases or important payment terms such as billing cycle change, the Company gives notice before the change and obtains any consent required by law.

Article 3 Recurring Billing and Payment Methods

1. Unless the payment screen states otherwise, a paid membership may renew automatically for the same billing cycle after the service period ends.
2. Recurring payments are processed through the payment method and payment processor shown on the payment screen.
3. Myven does not receive or store card numbers, expiration dates, or CVC values. Those details are processed directly in a payment screen provided by Korea PortOne or the payment gateway. Myven processes payment identifiers, billing-key identifiers, payment status, and processing history only as needed.
4. Before signup and payment, the user must separately review and accept the Payment Third-Party Provision Consent. Refusal prevents signup, recurring billing, and paid-service use.
5. Payment may fail because of card issuer, bank, payment processor, or payment gateway policy, outage, authentication failure, insufficient balance, limit excess, or similar causes.

Article 4 Cancellation and Service Period

1. Users may request cancellation of a paid membership through the service path or customer support path provided by the Company.
2. Unless the payment screen or separate notice states otherwise, cancellation takes effect at the end of the currently paid service period.
3. A user who schedules end-of-period cancellation may continue using the paid membership benefits until the already paid period ends, and the next recurring payment will not be charged.
4. Immediate cancellation or refund caused by applicable law, reasons attributable to the Company, non-provision of service, duplicate payment, or overpayment follows Articles 5 and 6.

Article 5 Withdrawal and Refund Standards

1. Users may request withdrawal, contract termination, or refund within the scope permitted by applicable law.
2. A refund or compensation such as a use-period extension designated by the Company may be requested in the following cases.
   1. The paid service was not provided after payment.
   2. Normal service use is impossible due to a reason attributable to the Company.
   3. Duplicate payment, overpayment, or payment error is confirmed.
   4. Withdrawal, contract termination, or refund is recognized under applicable law or the Terms.
3. Withdrawal may be restricted to the extent permitted by law for digital content or services that begin immediately after the user receives clear notice of withdrawal restrictions and consents.
4. When a refund request is received, the Company reviews the payment record, whether service use began, whether provision failed, refund restriction grounds, coupon or discount use, and applicable legal requirements.
5. Refund eligibility and amount, or eligibility for a use-period extension, are calculated based on the actual paid amount, applied discounts and coupons, services already provided, outage period, payment method, and applicable law.

Article 6 Refund Processing and Payment Failure

1. If the Company confirms that a refund is available, it requests payment cancellation or refund processing within the period required by applicable law.
2. After cancellation or refund processing is completed, the timing for the credit to appear on the card statement or payment method may vary depending on the card issuer, bank, payment processor, or payment method policy.
3. If payment fails, the Company may provide notice through service screens, email, account notices, or other reasonable methods so the user can update the payment method or retry payment.
4. If payment failure continues or recurring payment is not completed, the Company may restrict paid features or set the membership to period-ended, on hold, or terminated.

Article 7 Coupons, Discounts, Receipts, and Transaction Records

1. Coupons or discounts are applied according to the terms and amount shown immediately before payment.
2. If a payment using a coupon or discount is refunded, the refund amount is based on the actual paid amount, and coupon restoration depends on the coupon terms, system state, and applicable law.
3. The Company does not issue tax invoices. For card payments, card statements and PG or PortOne receipts or sales slips are the default evidence.
4. The Company may retain transaction records needed for payment, billing, refunds, PG receipts or sales slips, dispute handling, and legal obligations.
5. After account deletion, display and advertising records are retained separately for six months; contract or withdrawal records and payment or supply records for five years; consumer complaint or dispute records for three years; electronic financial transaction records over KRW 10,000 for five years; and records of KRW 10,000 or less for one year. A longer period applies where another law, tax or accounting duty, security, abuse prevention, or legal hold requires it.
6. After the retention period ends and no legal hold applies, the Company irreversibly anonymizes or deletes retained transaction records.

Article 8 Inquiries and Disputes

1. Users may send payment, cancellation, refund, receipt, and dispute inquiries through the customer support contact details posted on the Company page.
2. After receiving an inquiry, the Company reviews payment processor, card issuer, bank, payment gateway, and internal records, and provides the result within a reasonable scope.
3. This policy is governed by the laws of the Republic of Korea, and consumer disputes follow the procedures and jurisdiction set by applicable law.

Article 9 Changes and Previous Version

1. This update adds the payment third-party provision consent, clarifies direct card-data processing, and states specific transaction-record retention periods.
2. The preceding policy is available in the June 25, 2026 archive.