1. Purpose
1) The purpose of this term is to specifically set utilization condition and process to use services provided in Paysable(www.paysable.com) by AbleUnion company, set rights and responsibilities of both company and users and also other essential terms needed.


2. Definition
1) "User" is a member who has provided their personal information to the company and are free to access to the website by using company-issued ID. However, if a user unit is corporation or company, they must submit their business licenses or any documents issued by Korea or other countries which may identify themselves.
2) "User" is a member that access to the ‘company’ and utilizes service provided by the ‘company’.
3) “Seller” is an individual / a shop (owner) who sell goods – goods that a user bought via payment/purchase forwarding or goods and services that a member is going to get or buy by using our service.
4) “ID” is a confirmation company has provided to a user who registered their email address when they sign up.
5) “Password” is a combination of user-set number and alphabet codes to protect their personal information and it shows that they are same ID user. 
6) “Cyber Money” is online money used to pay for utilizing services provided by the company.
7)  “Service” is goods and services provided by the company after being paid by the users. These are the services provided: 
a. Payment Forwarding : When a user registers order details (received from the seller) and issued account number, then entrusts the payment to the company, company will make a forwarding for the user. 
b. Manual purchase Forwarding : When a user registers domestic seller information / goods information / user information registered in that shop, company will be entrusted to buy and pay according to the registered information of goods. 
c. Purchase Forwarding : If a user buys goods posted in company homepage, company will send the following goods via international parcel posts or via any other delivery means. 
d. Delivery Forwarding : If a user pays for delivery fee and sends goods they bought to the company, company will send the following goods to the registered user address via international parcel posts or any other means.

8) Company requests service or makes payment forwarding needed for services below.
a. Payment forwarding of order with domestic sellers
b. Selling to overseas and related service
c. Other business set by the company 
9) Definitions set works only in this term. In other cases, definitions follow as instructed in the service guide and according to related act and subordinate statue.


3. Statement and amendment of terms
1) Company must post details of terms, business name, company address, contact number, email address and personal information administrator in the service page for all users to see clearly. However, users can see terms and conditions only through linked url.
2) Comapny can change terms based on management policy
3) When a company amends the terms, company must post on first screen of the homepage along with amendment date, reasons and amended terms. However, company must announce at least 15 days earlier as grace period if company has to  change the terms in a way that is disadvantage for users.
4) If a company amends terms, new terms are applied only for contracts made after amended day. For contrats made earlier, previous terms will be applied.
5) For conditions not set in this term, interpretation of those conditions will be done based on relevant laws and commercial practices.


4. Sign up and efficacy
1) For users who want to sign up, they must fill up the sign-up form along with their personal information and agree to the terms. Then identify themselves via email sent by the company to their email registered.
2) Company can restrict members who want to sign up for these cases.
a. If registered information is wrong, omitted or false
b. If registered information is other’s information
c. If company decided that the person is not inappropriate to sign up
d. If the person is under 14 years old
3) Sign up efficacy works after sign up has been confirmed by the company and user has been informed.
4) If a member has to change personal information, they must let the company know right away via email or any other ways.
5) Even if a person has successfully signed up, it can be cancelled if any of the cases in paragraph 2 have been detected.
6) Even though sign up is successfully done, company may request users for identification data in any ways possible (other than as suggested in paragraph 1) if user confirmation is necessary.
7) If corporation or business want to sign up for service utilization, ‘User’ must provide business identification data as requested by the company.

5. Changing personal information
1) User can see and change their personal information anytime by using ‘Change Personal Information’ service provided by the company. However, in order to manage servce, changing ID is impossible.

6. Responsibility on managing user ID
1) Responsibility for manging ID is on the users. Users must not let third party to use their IDs.
2) Company may restrict ID if they decide that following user’s personal information may leak or is against customs and traditions of company or is mistaken as company operator.  
3) If a user has found out that their ID has been stolen or is used by third party, he must let the company know directly and follow company instructions
4) Company has take no responsibility upon any risks if the user has not informed the company or has not followed company instructions directly in case of paragraph 3.

7. Responsilbility for personal information protection
1) When company collects personal information, they must get users’ confirmation (agreement) for collecting.
2) In order to get user confirmation(agreement) for paragraph 1 cases, company must announce and notify following information to the users.
3) Company must not use or let third party utilize collected personal information without users’ agreement. Company must take risks for acting against this. However, if the company has informed the purpose according to announced ways, there is an exception.
4) User can look over their personal information, request for amendment and company must directly act for this. If user has requested for personal information amendment, company should not use that user’s information until amendment has been completed.
5) If a user wants to withdraw his agreement for paragraph 1, he can do so. In this case, company deletes following user’s personal information and act for it. Company do its best to protect users’ personal information.
6) For users who want to delete their personal information, company will act according to ‘Article 9 – Deleting account and restricting qualification’
7) When the member asks for a cancellation of agreement, reading or correction of personal information, the company has a duty to take actual management steps needed.
8) The ‘company’ is in charge of any damage that caused by the loss, theft, leak, falsification of the member’s personal information. Thus the company maintains the managers at its minimal number.
9) Any third party provided of personal information from the company or the ‘company’ itself has to destroy it immediately when the purpose is accomplished, except for the case when commercial law requires a preservation of the record
10) When preserving a record, the company has to preserve the record of the deal such as indication, advertisement, contract contents and its execution for a considerable length of time. The consumer should be provided of easy methods to access to the information.
11) If there are regulations and policies that conflict with these terms and conditions, such as privacy policies, the conflicting policies and regulations shall take precedence over these terms and conditions.
12) The company is doing its best to keep the member to use good information safely. If an personal information protection accident happens which is against informed items, the company’s personal information administrator is in charge of the damage caused by the accident. However, company is free of charge when unpredictable accidents due to hazards on network such as hacking occur, though the company had worked on technical steps to prevent it. Following is the personal information administrator who manages member’s personal information
- Personal information manger : Jinwoo Jung
- Phone number : +82) 70-4099-4260
- E-mail : support@paysable.com


8. Duty of the member
1) The member must not do the following actions, and the company can restrict the use of service or expel the member who did the following actions.
a. The member is in charge of management of ID and password.
b. Registration of a fake information or theft of other member’s information
c. Use of unauthorized other person’s credit, debit card or other means of payment.
d. Damaging information displayed on the company.
e. Sending or displaying information other than the information the company decided(computer programs, etc.)
f. Violation of intellectual property of the company and other person such as copyrights.
g. Opening or displaying information that damage the honor of the company or other person or that disturb the company’s work, indecent or violent message, picture, video, voice and an offense against public morals.
h. When the member uses service the company provides to do something that is against relevant laws and terms, or something that is against public morals. 
2) The member is in charge of a compensation for a damage caused by violating each units in paragraph 1.
3) User must provide a proof document via international mail, fax, email or uploading computer file in 48hours after ‘Company’ requests.
a. Copied Document or image file of Photo ID that issued by Government such as Social Security Card, Passport or Driver License.
b. Paper Document or Electronic Document of Transaction history which shows the user’s payment history to ‘Company’ that issued by Credit Card company or Bank.
c. Alternate document or data that ‘Company’ requests for proof.
d. Any requested Document or data which noticed to ‘User’ by ‘Company’ for specific purpose.


9. Notice to the member
1) When the company notice the member, the company notices the member through the phone number or an e-mail address registered when the member signed up.
2) When the company notices all of the members or unspecified individuals, it can be substituted by displaying it on the home page of the company or using other means to notice them individually.


10. Membership withdrawal and restriction on rights.
1) Withdrawal is always available following steps the company decided if someone wants.
a. Member who has cyber money left can be withdrawn after getting a refund.
b. Member who has a transaction in progress can be withdrawn after the transaction and adjustment is done.
2) If the member violates the followings, the company can restrict the member’s right or even stop it.
a. If a disinformation is found in sign-up information.
b. If found with a fact that violates article 4, paragraph 2 of this terms.
c. If threats the order of electronic commerce by disturbing other person’s use of the company or stealing the information.
d. When ‘Company’ concludes the ‘User’ is not able to reach due to User’s cause such as incorrect or not updated contact or information.
e. If rending the memeber’s ID without authorization is found.
f. When found to be doing something that is against the relevant laws and terms, or that is against the public morals using the company.
3) Members who are restricted or blocked of there rights are unable to use services according to this terms.
4) The company can eliminate the member’s right if restricted or blocked member according to acticle 2 on this terms does not report the reason or correct his violation within 10 days.

11. Accomplishment of request and contract.
1) The members has a duty to be informed and to confirm following items to use the company’s services, according to the following items or other methods similar to that on the company.
a. Confirmation on contents of the company’s terms, services, information related to charges as commission, etc.
b. Service and its confirmation or agreement on the company’s request.
2) Request of the service and contract is in principal, made by the name of each member’s ID. When the member requests for service, contract is made under following conditions.
a. Use of the member’s ID registered on the company when requesting a service.
b. Depositing balance in the form of cyber money at the company.
c. When the request information of service is successful after providing the request information of service the company requested as they provide service.
d. After the payment forwarding is made in the form of cyber money.
3) The company regards following contract condition as approved when the contract is made by member’s request on the service.
a. Contract with the company is regarded as an entrustment of the specified job of the service when the service is provided.
b. The member is provided with the company’s service, and the member has to pay certain amount of commission decided by the company.
4) When the company decides that the member’s request on services includes any action related to violating relevant laws and terms, or against public morals, the company can reject offering services the member requested. The company can refund the fee by the mean of payment the member chose or by other method that the company decided.


12. Provision of payment.
1) Any provision of payment or commission occurred by requesting services to the company takes the cyber money, which is used at the company, as a mean of payment.
2) Cyber money for provision of payment or commission, or other costs can be accumulated in Paypal or in the mean of payment the company suggests.
3) The company does receiving the payment and commission as specified in the contract.
4) When providing payment of use of the service, the contents are requested amount of money the member requested and the commission.


13. Adjustments of difference.
1) The company refunds diverse costs to the member’s cyber money when proper reason of refund occurs.
2) The company refunds the balance of cyber money to the member’s Paypal account or company-decided means of payment when the member requests for a refund of cyber money, according to other terms.


14. Coverage
1) The company compensates the member for the damage caused by the company’s fault.
2) The company’s duty is limited in the following circumstances.
a. Damage caused by the member
b. Conflict or damage occurred between the member and seller.
c. Damage caused by violating this terms and relevant laws.
d. Damage caused by offering goods and services purchased through the service to other people by the member.
e. Damage caused by use of ‘payment forwarding’ and ‘manual purchase forwarding’ service with an account that restrictions can occur by law.
f. Damage caused by the request on products by using delivery forwarding that are against relevant laws and terms, or against public morals.  
3) The company does not guarantee the genuineness or quality of the product which seller sold in any cases.


15. Emergency steps.
1) The company can reject on providing service if the member’s use of service is considered to be purposed on illegal or unfair objects.
2) n principle, the company cooperates with the competent authority or ministry when inquired or requested for cooperation. The company is not it charge of the damage caused by this action.


16. Guarantee of transaction with the third party.
1) The company does not guarantee the transaction between the member and other third party’s web sites’ own goods and services, which is connected through the company by hyperlink(includes text, picture, video), etc.


17. Stoppage of services
1) The company can temporarily stop services if reasons as repairing, mending, inspecting, being out of order, being cut off of communication, stoppage of bank service.
2) The company compensates damages to the user or the third party caused by stoppage of service due to reasons mentioned on paragraph 1. Yet, if the company proves there was no intention or mistake, the company doesn't.
3) The company compensates the user according to conditions suggested by the company when a damage is caused by the company due to change in business field, dropout of a business, M/A between corporations. The company still has to inform the users.


18. copyrights and restriction of use.
1) Intellectual property of products the company produced belongs to the company.
2) The member must not use information gathered for interest by using the company by methods of copying, sending, publish, distributing, broadcasting, nor let the third pary use it.


19. Troubleshooting.
1) The company handles complaints and comments as first priority. Yet, if a quick settlement is difficult, the company inform the reason and the schedule for settlement immediately.
2) Conflicts occurred between the company and the member can follow electronic commerce dispute control assembly’s adjustment, according to article 28 and enforcement ordinance 15 on electronic commercial law.


20. Competent court and relevant laws.
1) Every lawsuits about conflict occurred between the company and the member follows the member’s address when the files a lawsuit, and if there is no address, the court managing the member’s residence takes care of it. Yet, if the member’s address or residence is vague at the moment or if the member is living overseas, file a suit to a competent court according to Civil Proceedings Acts.
2) Lawsuits about every conflicts between the company and the member following this terms, Korean law is applied.

Privacy Policy

Ableunion inc. (“Company,” “we,” “us,” or “our”) respects the privacy of the visitors to our website and the customers of our services, and we are committed to protecting it through our compliance with this privacy policy (“Privacy Policy”).


When we receive information for our own purposes, such as the contact or described by this Privacy Policy and we receive or process information on behalf of one of our customers, the privacy practices that apply to the processing of that information is governed by our customer’s privacy policy.


This Privacy Policy describes how Company collects, stores, uses, and safeguards your information when you use our website at www.paysable.com (the “Site”) and through any other websites, pages, features, or content owned and operated by Company that direct to this Privacy Policy (collectively, including the Site, the “Services”).


By using our Services, you understand and agree that collection and use of your personal information will be made in accordance with this Privacy Policy. If you do not feel comfortable with any part of this Privacy Policy, please discontinue use of the Services or engaging with Company immediately.


Types Of Information We Collect


We receive personal information from our customers and process that information on behalf of our customers. In other situations, we receive personal information for our own use. The following provides examples of the type of information that we collect from our business customers and website visitors, and how we use that information.



        

        
Context
        
Types of Data
        
Primary Purpose for Collection and Use of Data
    
        

        
Account Information and Information about Customers
        
We collect the name and contact information of our customers and their employees with whom we interact
        
We collect contact information from our customers in order to communicate with them and provide our customers with information and assistance related to our services.
    
        

        
Client Information
        
We provide credit card payment solutions. In that role we may receive personal information from our customers.
        
When we receive personal information from one of our customers in order to carry out a project or a service we process that information on their behalf. When we act in this capacity, our client determines the purpose for which the information was collected and how we should use it.
        
        

        
Cookies Tracking
        
We use cookies and GIFs. “Cookies” are small pieces of information that a website sends to a computer’s hard drive while a web site is viewed.
        
We collect this information in order to ensure the stability and efficiency of our website.
    
        

        
Email Interconnectivity
        
If you receive email from us, we use certain tools to capture data related to when you open our message, click on any links or banners it contains and make purchases.
        
We collect this information in order to understand how you interact with our emails and process your purchases.
    
        

        
Feedback/Support
        
If you provide us feedback or contact us for support we will collect your name and e-mail address, as well as any other content that you send to us, in order to reply.
        
We collect this information to receive, and act upon, your feedback or issues.
    
        

        
Mailing List
        
When you sign up for one of our mailing lists we collect your email address.
        
We share information about our products and services with individuals that consent to receive such information.
    
        

        
Mobile Devices
        
We collect information from your mobile device such as unique identifying information broadcast from your device when visiting our website or when visiting one of our stores.
        
We collect this information to understand how users interact with our site on their mobile devices.
    
        

        
Website interactions
        
We use technology to monitor how you interact with our website. This may include which links you click on, or information that you type into our online forms. This may also include information about your device or browser.
        
We have a legitimate interest in understanding how you interact with our website to better improve it, and to understand your preferences and interests in order to select offerings that you might find most useful. We also have a legitimate interest in detecting and preventing fraud.
    
        

        
Web logs
        
We collect information, including your browser type, operating system, Internet Protocol (IP) address (a number that is automatically assigned to a computer when the Internet is used), domain name, click-activity, referring website, and/or a date/time stamp for visitors.
        
We collect this information to monitor user interactions with our site and detect fraud or abuse of our site.
    



In addition to the information that we collect from you directly, or from our customers, we may also receive information about you from other sources, including third parties, business partners, our affiliates, or publicly available sources.


Use And Processing of Information

In addition to the purposes and uses described above, we use information in the following ways:


·To identify you when you visit our website.
·To provide products and services.
·To improve our services and product offerings.
·To conduct analytics.
·To respond to inquiries related to support, employment opportunities, or other requests.
·To send marketing and promotional materials, including information relating to our products, services, sales, or promotions.
·For internal administrative purposes, as well as to manage our relationships.


Sharing Of Information

In addition to the specific situations discussed elsewhere in this policy, we disclose information in the following situations:


Affiliates and Acquisitions: We may share information with our corporate affiliates. If another company acquires, or plans to acquire, our company, business, or our assets, we will also share information with that company, including at the negotiation stage.


Other Disclosures with Your Consent: We may ask if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this policy.


Other Disclosures without Your Consent: We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the shipment of products to or the provision of services by a third-party intermediary.


Service Providers: We may share your information with service providers. Among other things service providers may help us to administer our website, provide technical support, process payments, and assist in the fulfillment of orders.


As Required by Law and to Protect Lawful Interests: We may disclose your information if we believe that the disclosure is required by law, if we believe that the disclosure is necessary to enforce our agreements or policies, in response to valid requests by public authorities (e.g., a court or a government agency), or if we believe that the disclosure will help us protect the rights, property, or safety of Company or our customers.


Your Choices


You can make the following choices regarding your personal information:


· Promotional Emails: You may choose to provide us with your email address for the purpose of allowing us to send free newsletters, surveys, offers, and other promotional materials to you, as well as targeted offers from third parties. You can stop receiving promotional emails by following the unsubscribe instructions in e-mails that you receive or by contacting us as described below. If you decide not to receive promotional emails, we may still send you service-related communications.


· Access To Your Personal Information: For information that we collect on our own behalf we will grant you, where required by law, reasonable access to the personal information that we have about you. You may request access to your personal information by contacting us at the address described below. If we are processing your information on behalf of one of our customers, we will forward your request to that client and await instructions on whether access should be granted. Note that California residents may be entitled to ask us for a notice describing what categories of personal information (if any) we share with third parties or affiliates for direct marketing.


Changes to Your Personal Information: You can contact us at the address described below in order to request that your information be modified. If we are processing your information on behalf of one of our customers, we will forward your request to that customer and await instructions on any changes that they believe are appropriate. For information that we collect on our own behalf, we rely on you to update and correct your personal information. Most of our websites allow you to modify or delete your account profile. If our website does not permit you to update or correct certain information, you contact us at the address described below in order to request that your information by modified. Note that we may keep historical information in our backup files as permitted by law.


Online Tracking: We do not currently recognize automated browser signals regarding tracking mechanisms, which may include "Do Not Track" instructions. Many advertising companies that collect information for interest-based advertising are members of the Digital Advertising Alliance (DAA) or the Network Advertising Initiative (NAI), both of which maintain websites where people can opt out of interest-based advertising from their members. To opt-out of website interest-based advertising provided by each organization’s respective participating companies, visit the DAA’s opt-out portal available at http://optout.aboutads.info, or visit the NAI’s opt-out portal available at http://optout.networkadvertising.org.


Note that, as required by law, we will require you to prove your identity. We may conduct an identity verification by phone call or email.


Retention


Company will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy or Terms of use. We will retain and use your personal information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data or the information you provided to us to comply with applicable laws), resolve disputes and enforce our legal agreements and policies. We will retain your marketing contact information until you unsubscribe from our marketing communications.


Important Notice for Non-U.S. Residents


Please be aware that your information, including your personal information, may be transferred to, processed, maintained, and used on computers, servers, and systems located where the privacy laws may not be as protective as those in your jurisdiction. If you choose to use our Site while located outside the United States, you hereby irrevocably and unconditionally consent to such transfer, processing, and use of your information in the United States and elsewhere. If you do not wish for your information to be transferred to, processed, or maintained outside of the country or jurisdiction where you are located, you should immediately cease accessing our Services.


How We Protect Personal Information


No method of transmission over the Internet, or method of electronic storage, is fully secure. While we use reasonable efforts to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. In the event that we are required by law to inform you of any unauthorized access to your personal information we may notify you electronically, in writing, or by telephone, if permitted to do so by law.


Some of our websites permit you to create an account. When you do you will be prompted to create a password. You are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password, whether or not such access or use has been authorized by you. You should notify us of any unauthorized use of your password or account.


Changes To This Privacy Policy


We may update this Privacy Policy from time to time as we update or expand our Services. If we make material changes, we will post the updated Privacy Policy on this page with a “Last Updated” effective date of the revisions. We encourage you to look for updates and changes to this Privacy Policy by checking this page when you access our Services. If you have any questions about this Privacy Policy, please reach out to us anytime as described in the contact information included within the “Contact Information” section below


Children's Privacy


Company Services are not directed toward children under the age of 18, and we do not knowingly collect any personal information from children under the age of 18. If a child under 18 provided our Site or Services with personal information, we ask that a parent or guardian contact us as described below so that we may promptly delete the child’s information from our record.


Contact Information


If you have any questions, comments, or complaints concerning our privacy practices please contact us at the appropriate address below. We will attempt to respond to your requests and to provide you with additional privacy-related information.



Contact & Support
Ableunion Inc.
238 Bucheon-ro, Bucheon-si, Gyeonggi-do, Korea
support@paysable.com
+82 70-4099-4260