Article 1 (Purpose)
Article 2 (Definition of terms)
Article 3 (Media and types of services)
Article 4 (Service Use Agreement Established)
Article 5 (Designated Account and Restricted Registration)
Article 6 (Certificate Issuance and Biometric Information Registration, etc.)
Article 7 (Management of certificates, etc.)
Article 8 (Delivery of Security Card or OTP Generator, etc.)
Article 9 (Restricted service connection)
Article 10 (Service usage time)
Article 11 (Handling Fee)
Article 12 (Service Connection and Customer Confirmation)
Article 13 (Buying and Ordering)
Article 14 (Funds Transfer and Securities Transfer)
Article 15 (Subscription)
Article 16 (Application for Issuance of Balance Certificate)
Article 17 (Confirmation of transaction details)
Article 18 (Notification of Accident and Change)
Article 19 (Transfer of service usage rights, etc.)
Article 20 (Limitation of provision of services)
Article 21 (Cancellation of service)
Article 22 (Alternative order method in case of disability)
Article 23 (Disclaimer)
Article 24 (Modification and reading of terms)
Article 25 (Compliance with relevant regulations, etc.)
Article 26 (Court of Competence)
Article 27 (Dispute Mediation)
Article 1 (Purpose)
These terms are related to customers' use of electronic financial services (hereinafter referred to as "services") of Vanguard Trade Limited (hereinafter referred to as "the company").
The purpose is to establish details that are not stipulated in the "Basic Terms of Use of Electronic Financial Transactions".
Article 2 (Definition of terms) The terms used in this article are defined as follows
1. The term "service" refers to electronic methods other than computers, telephones, and ATMs provided by the company to customers.
Using a device that transmits or processes information (hereinafter referred to as "electronic device") to process the business of Article 3, paragraph 2
means to do.
2. The application account refers to the comprehensive account for application services.
3. Account password refers to the password of the application account.
4. User ID refers to the English (case-sensitive) registered by the customer to connect the electronic device. The same below), English and numbers
The combination.
5. The ID password is a combination of two or more of English, numbers, and special characters registered by the customer for connecting to the electronic device.
6. The certificate refers to the certificate stipulated in Article 2, Item 6 of the "Electronic Signature Act" (referring to the real name of the person who can confirm the signatory)
C. (Based on the valid and recognized certificate issued under Article 15 of the previous "Electronic Signature Act", the effect of the electronic signature is "Electronic Book", and according to Article 3 of the Supplementary Regulations of the "Ming Law", it has a recognized electronic signature previously stipulated potency.
7. Electronic signature password refers to the certificate password directly specified by the customer when issuing the certificate.
8. Additional information refers to two or more incidental information other than user ID, ID password, account password, ID number, address, etc. that only the customer can know.
9. A security card refers to a card that records a random number security card password or an electronic device that is registered with a security card password that is "generated".
10. The security card password refers to the combination of numbers marked on the security card.
11. OTP (One Time Password) generator refers to the machine that generates the OTP response number.
12. The OTP response number refers to the one-time password generated by the OTP generator.
13. The mobile banking password refers to the password used for personal confirmation when the customer conducts mobile banking transactions, and is directly registered by the customer
Refers to the 6 digits used.
14. Biological (biological) information (hereinafter referred to as "biological information") refers to fingerprints, irises, veins, faces, voices, etc. that can identify an individual's body.
Includes information related to, including information processed or generated by, an enemy or operational characteristics.
15. Biometric (biological) authentication (hereinafter referred to as "biometric authentication") refers to the use of MTS smartphones by the company when customers use the service.
Refers to the process of confirming whether the biometric information registered in advance is consistent with the certification agency.
Can be used as a means of identity authentication.
16. Simple authentication refers to the process of confirming whether the PIN number, pattern, and face registered by the company in advance are the same when the customer uses the service.
Refers to tea.
17. PIN (Personal Identity Number) is a 6-digit number directly registered by the customer to use the service through simple authentication
18. Design refers to a certain form or type that customers directly register to use the service through simple certification.
Can be used as a means of identity authentication.
19. Face information refers to the face that the customer directly registers in order to use the service through simple authentication, and it can be used as a means for personal authentication instead of a certificate.
20. Quick transfer service refers to the service that customers use the quick transfer password to transfer money on MTS.
21. The quick transfer password refers to the 6-digit number that the customer registers directly with MTS in order to use the quick transfer service when using the service.
22. A cooperative company refers to a cooperative bank, etc. that the company signs a business cooperation contract for the agency to open a securities trading account.
Article 3 (Media and types of services)
① The company provides communication network, ordinary telephone line network, dedicated line network, wireless communication network and other media provided by the service provider.
Services are available.
② The types of services provided by the company are as follows.
1. Investment information query
2. Customer information inquiry
3. Buying and selling and ordering
4. Collective investment securities trading
5. Fund transfers and transfers
6. Securities Transfer Payment
7. Subscription
8. Loan business
9. Online Investment Consulting
10. Certification and application
11. Services provided by the company through electronic devices.
③ The company can provide different types of services according to the electronic devices used by customers.
④ When the company changes the type and content of the service in Paragraph 2, it shall notify the customer in accordance with Article 24 before processing.
Article 4 (Service Use Agreement Established)
① The agreement to use the service is an application for the purpose of using the service through the store or online channel (homepage, etc.)
In the case of B, it is established by reviewing the matters necessary for the use of the service, agreeing to the application, and performing computer registration.
② For the business that needs to be separately agreed in the service content provided by the company, after the customer signs the agreement,
Services can be used.
③ In order to use the service, the customer must open an account with the company, and the company provides the service according to the service subscription conditions such as the transfer limit.
Different delivery ranges are available.
④ The start of service use is when the customer connects to the service through an electronic device within 5 working days after the service use agreement is established.
established at a point in time. However, you can apply for services at the same time as visiting a partner company or opening an account through non-face-to-face.
In this case, it is established when the customer connects to the service through an electronic device.
Article 5 (Designated Account and Restricted Registration)
① The customer shall designate the integrated account that is intended to use the service as the account to be used. However, to print the Statement of Financial Income
etc. are provided irrespective of whether an account is specified or not.
② The customer can use the service for all product accounts in the application account.
③ Objective reasons why the company cannot provide this service, such as consolidated accounts, closed accounts, accounts with unconfirmed real names, accounts restricted by law, etc.
If it is a temporary account, the registration of the account can be restricted.
Article 6 (Certificate Issuance and Biometric Information Registration, etc.)
① Customers can issue, reissue, register, and cancel certificates on the website, MTS, etc., and the company can connect and use the service.
May require city e-signature password.
② When the customer issues or reissues the certificate, the company confirms the identity through the information communication network after obtaining the consent of the customer
possible. In this case, the following items should be confirmed.
1. The customer's customer ID, ID password or account number and its password
2. Customer ID number
3. Customer's security card password (including OTP response number) or additional information registered in advance
4. Other matters stipulated in the Enforcement Regulations of the Electronic Signature Act
③ When the customer can register and cancel the biometric information at the business store or MTS, etc., when the company connects and uses the service
Biometric authentication may be required.
④ Customers can register and cancel PIN number, pattern, face information, company connection service and usage time in MTS, etc.
Partial proof can be requested.
⑤ The company may restrict the use of services in the case of any of the following items.
1. When the company learns that other people's biological information is being used instead of the customer's own biological information
2. When the customer's biometric information is changed or becomes difficult to identify
3. When failing to pass the biometric certification procedure of the certification body due to inconsistent biometric information, etc.
4. It is difficult to provide services normally due to maintenance, upgrade, inspection, replacement, failure, communication barriers, hacking, etc. of the equipment used for the service.
luck
5. When the electronic device using the service is changed
6. When confirming the acceptance of an accident report to the company due to the theft or loss of the electronic device using the service
7. When violating relevant laws and regulations related to the use of services or the content of these terms
8. In the event of technical or institutional reasons for the inability to provide services
⑥ After the biometric information is leaked, the customer should immediately notify the company to cancel or directly cancel the biometric information registration.
⑦ After the PIN number and pattern are leaked, the customer should immediately cancel or re-register the PIN number and pattern.
⑧ After the face information is leaked, the customer should cancel the face information registration immediately and directly.
⑨ Customers immediately notify the company to cancel or directly re-register the quick transfer password after the quick transfer password is leaked
ah.
Article 7 (Management of certificates, etc.)
For security management when customers use important access media certificates, electronic signature passwords, PIN numbers, patterns, etc. for electronic financial transactions.
Regularly change the electronic signature password, PIN number, mode, etc., and pay special attention to the protection of customer information.
Article 8 (Delivery of Security Card or OTP Generator, etc.)
① The security card or OTP generator is issued (delivered) after the customer's identity verification (real-name verification), and the OTP issued by other financial companies
The generator can be used after registering through a business store or an online channel (home page, etc.).
② When the customer enters the security card password more than 5 times and the OTP response number is wrong more than 10 times, the company uses this medium to
A service can be discontinued.
③ According to the provisions of Clause 2, when the service is discontinued, the customer visits the business store in person, and reissues after going through the identity verification procedure.
Or it can be reused after initialization.
Article 9 (Restricted service connection)
① The company can establish service connection restriction standards based on the number of incorrect passwords entered, service connection period is too long, etc.
② When the connection restriction standard in Paragraph 1 is applied, the company shall prepare for business stores, websites, and online transactions one month before the effective date
In addition to computer screens, publicity should also be made through similar electronic communication media (hereinafter referred to as "electronic communication media").
Article 10 (Service usage time)
① Customers can use the service 24 hours a day, 365 days a day. However, the usage time of each service type is "homepage>customer support>duties"
/Service Guide > Working Hours".
② Notwithstanding the provisions of paragraph 1, part or all of the
Services may be discontinued.
③ When the company is unable to use the service due to the maintenance and repair of the company's computer system, it shall notify the company through electronic communication media at least 7 days in advance.
To be informed in advance.
Article 11 (Handling Fee)
① The platform’s single transaction fee ratio is 1‰. However, the use fee for certificates related to the use of the service, issuance of security media, etc. is the "homepage"
Follow the regulations in "Customer Support > Business/Service Guide > Handling Fee Guide".
② If the company wants to change the content of the usage fee and the usage fee in Paragraph 1, please notify the company's business office and electronic communication media
Changes should be prepared or announced for one month.
③ In the event that the content of the service fee change in Paragraph 2 is unfavorable to the customer, the company shall negotiate with the customer in advance in writing, etc.
Notification should be made one month before the date of change. However, the content before the change applies to the situation of existing customers or customers without modification
If it is expressly stated that it does not accept the notification of the changed content, it is not necessary to notify.
④ When the company issues a notice in Clause 3, "If the customer does not agree to the change, until the changed usage fee application date.
The contract can be terminated, and if there is no intention to terminate the contract, it is deemed to agree to the change. "
To introduce the content of the purpose.
⑤ The customer does not express the intention to terminate the contract from the date of receipt of the notice in paragraph 4 to the day before the application of the changed usage fee
If you do, it is deemed to agree to the change.
⑥ Customers shall be responsible for telephone charges, usage fees paid to IP, wireless communication information service usage fees, and transaction fees when using the service.
Article 12 (Service Connection and Customer Confirmation)
① Customers should enter the following items when connecting or using the service. However, electronic equipment and service types
Therefore, the input items may be different, and if the input items of the customer match the customer information held by the company, the service will be provided.
S can be used.
1. Customer ID
2. Username and password
3. Integrated account
4. Account password
5. Electronic signature password
6. Mobile banking password
7. Biological information
8. PIN number
9. Sample
10. Face information
11. Quick transfer password
12. Customer information such as additional information registered with the company by other customers
② The company continuously enters incorrectly the number of incorrect input times limited by each authentication method in items 2 and 4 to 11 of the customer's paragraph 1
If you do this, you can arbitrarily stop the service connection, and the method used to restore the service is as follows.
1. If it is an ID password, the customer must re-register through the identity verification process through the store, website, or MTS.
2. If it is an account password, the customer must re-register by visiting the store and performing identity verification procedures.
3. If it is an electronic signature password, the customer must re-issue the certificate through the identity verification process on the website and MTS.
4. If it is the mobile banking password, the customer must visit the business outlet, cancel the mobile banking service and register again.
5. In terms of biometric information, customers must re-register by visiting a store or performing identity verification procedures through MTS.
6. For the PIN number and pattern, the customer must re-register through the identity verification process through MTS, etc. in person.
7. For the quick transfer password, the customer visits the business store and obtains the authentication number for error initialization, and passes through the MTS
You need to re-register through the identity verification procedure.
Article 13 (Buying and Ordering)
① The direct buying and selling orders that customers can use the service to process are as follows.
1. The direct trading order and the cancelable time are stipulated by each commodity exchange, and the company signs the system for buying and selling orders
If the time is changed due to unavoidable reasons such as disability, the customer shall be notified through electronic communication media, etc.
However, the buying and selling of collective investment securities and the time of cancellation shall be stipulated in the individual terms of the collective investment securities.
2. Direct orders for items listed on the Korea Exchange are only valid on the day of the order.
3. The principle of direct ordering is to correct or cancel through the service, and if there is an order obstacle, etc., Article 17, Paragraph 1
You can apply for corrections or cancellations to the business store or customer support center by phone or other means.
4. The company does not need to fill out the purchase and sale order form for the purchase and sale transaction orders directly ordered by customers, and customers can directly confirm the p1. Pre-order objects are securities listed on the Korea Exchange and collective investment securities, etc. However, new share subscription rights securities and new share subscription rights
Warrants etc. are excluded. Reservation order acceptance time is in accordance with "Home>Customer Support>Business/Service Guide>Working Hours".
3. Advance orders for securities will be processed at the opening and simultaneous transaction price of the first opening day of the Korea Exchange after acceptance. only,
In the case of unavoidable orders that have not been processed at the same time at the same time as the market opened, they will be processed in the order of acceptance and collectively invested in securities Based on the benchmark price published in the "Homepage>Financial Investment Products>Funds" of the company's business hours when the order arrives for the first time will handle it.
4. Reservations cannot be modified.
5. The cancellation of the reservation order can only be carried out during the acceptance time of the reservation order. At other times, you can directly order the item 3 of paragraph 1.
It should be handled according to the cancellation procedure.
③ When directly processing the buying and selling order, if the order is not processed due to insufficient evidence, insufficient balance, or other input errors, etc.,
The order is automatically invalidated, and the company shall inform the customer of its content through services and other means.
④ Due to communication barriers, service barriers, order failures, etc., direct purchase and sale orders are not processed, delayed processing, delayed signing notices, etc.
As it may happen, the customer should confirm directly that the processing of the buy or sell order is completed.urchase and sale transaction signing matters through the service.
② The reservation orders that customers can process using the service are stipulated in the following items.
Article 14 (Funds Transfer and Securities Transfer)
① Customers are limited to accounts registered under Article 5, Paragraph 1, and can transfer funds and securities. However, the bank
Contact account When the security medium or service is not issued, the designated bank account or the account in the name of the person
Can only transfer money.
② When the customer conducts fund transfer and securities substitution transaction, he must confirm the change of the application account balance, and the transaction is abnormal.
When this happens, you should immediately contact the business store or customer support center in Article 17, paragraph 1, and take necessary measures.
③ The company can differentiate the transfer limit according to the type of electronic device used by the customer and the type of media.
④ Transfers or substitution transactions processed directly by customers through electronic devices cannot be cancelled. However, autopay or appointment
When processing by transfer, the electronic device that applied for the transaction must be used before the issue processing date of the relevant transaction.
Girl, you can cancel.
⑤ Fund transfers and securities transfers may be restricted for accounts with restricted deposits and withdrawals in accordance with relevant laws and regulations.
Article 15 (Subscription) Customers can directly handle subscriptions for public offerings, paid subscriptions, etc. in accordance with the following provisions.
1. General matters related to subscription qualifications and quotas shall be executed in accordance with the company's "Terms of Subscription Transaction".
2. Subscription hours are in accordance with "Homepage>Customer Support>Business/Service Guide>Working Hours".
3. The subscription deposit will be automatically withdrawn from the subscription application account at the same time as the subscription is entered and transmitted.
4. Due to obstacles such as electronic equipment, non-processing and delayed processing may occur. Customers can call, visit the store or
To confirm the subscription processing result through the service.
Article 16 (Application for Issuance of Balance Certificate)
① The customer can directly process or apply for the issuance of the balance certificate through the service of Article 3, Subparagraph 2, Item 10.
② When the company accepts the application for issuance according to the provisions of paragraph 1, it shall confirm the relevant details and issue a balance certificate, but when the customer applies
Mail to the designated notification place.
③ The customer confirms whether the content of the issued balance certificate is consistent with the actual balance in "Homepage > Online Branch > My Assets".
Can be directly queried
Article 17 (Confirmation of transaction details)
① The customer must confirm the transaction content after the transaction. If the transaction content is abnormal, the customer service center
② If the company cannot confirm the transaction content in Paragraph 1 through electronic devices due to computer problems, etc., please log in to the website, etc.
To promptly pass notice of that fact.
③ Customers can request written delivery of the transaction content through the sales office, and the company can conduct transactions at the notification place designated by the customer at this time.
Content to be delivered.
Article 18 (Notification of Accident and Change)
① When the customer has stolen or lost, altered or falsified items that require confidentiality such as access to the media during electronic financial transactions.
Immediately report the relevant facts to the business store or customer support center in Article 17, Paragraph 1.
② If the customer wants to change the contents of the service use application form, please visit the store and submit the change application form or
It can be changed directly by using the service.
③ If the customer wants to withdraw the notification in Paragraph 1, he or she should visit the business store and apply in writing. However, online
When withdrawal is possible through the channel (website, etc.), the customer can withdraw the report directly.
Article 19 (Transfer of service usage rights, etc.)
① The customer shall not transfer the right to use the service to a third party.
② All rights related to the service items, materials, and publications provided by the company to customers belong to the company
Since it belongs to the company, it cannot be freely provided to third parties without the consent of the company.
Article 20 (Limitation of provision of services) The company shall provide services after notifying the customer of any of the following circumstances.
may be discontinued.
1. When the service connection restriction standard of Article 9, Paragraph 1 is met
2. When violating relevant laws and regulations related to the use of services or the content of these terms
3. Confidential matters of customers such as customer ID, ID password, integrated account number, account password, electronic signature password, security card password, etc.
When it is disclosed to others or used for illegal activities
4. Other objective reasons for inability to continue the service, such as operations that do not meet the purpose of using the service, disrupting the market, etc.
When a temporary
Article 21 (Cancellation of service)
① Article 20 In the event of occurrence of any of the items, the company requires the customer to take corrective measures for one month.
If the customer does not take appropriate measures, the contract can be terminated. However, if it is obvious that it cannot be corrected or the degree of breach of contract is so serious that the purpose of the contract cannot be achieved, the contract can be terminated immediately.
② When the customer applies for canceling the service, the company signs a service agreement through procedures such as identity verification.
can be lifted.
③ According to Article 4, if the customer does not connect to the service through the electronic device within 5 working days, the use of the service will be terminated.
④ Transfer and order services through ARS, if you do not log in to the service and register your mobile banking password within 5 working days,
Service usage will be released.
⑤ Subparagraphs 3 and 4 do not apply when applying for services based on the proviso of Article 4, Paragraph 4.
Article 22 (Alternative order method in case of disability)
① The company is unable to process or delay orders due to natural disasters, power outages, fires, building damage, computer barriers, etc. during the service.
In such case, the customer shall be notified of the relevant facts and reasons and the alternative ordering method immediately through electronic communication media, etc., and proceed as normal.
Respond quickly in order to carry out human trading.
② When ordering instead due to computer difficulties, etc., the usage method is as follows.
1. Article 17, Paragraph 1 How to order from the customer service center by telephone
2. Article 17, Paragraph 1 Method of calling or visiting a business store
Article 23 (Disclaimer)
Accidents caused by falsification or alteration of access media during electronic financial transactions, electronic transmission or processing of contracts or transaction instructions
Accidents, electronic devices for electronic financial transactions, or "Act on the Promotion of Information and Communication Network Utilization and Information Protection, etc."
Occurrence due to the use of access media obtained by intrusion into the information communication network specified in Paragraph 1, Item 1, by false or other improper means
In the event of a loss to the user due to an accident, the company shall compensate for the loss regardless of whether it is negligent or not.
However, in the case of electronic financial transactions, the customer's intentional or gross negligence is covered in the "Basic Terms of Use of Electronic Financial Transactions".
according to rules.
Article 24 (Modification and reading of terms)
① If the company wants to change the terms, the customer can confirm it one month before the effective date of the changed terms.
Set up in the rock company's business hall or publish and notify customers through electronic communication media. However, capital market law, etc.
In the event of changes in related laws and regulations or changes in the formulation and revision system of Korea Exchange’s business regulations, this document shall
If there is an emergency or unavoidable situation that is difficult to guide, modify the content of the change to the same method as the previous article.
Announce the terms for more than 1 month and notify customers.
② If the content of the change in the text of Paragraph 1 is unfavorable to the customer, the company will change it to a written form and negotiate with the customer in advance.
Notification should be made one month before the effective date of the clause.
③ When the company issues a notice in paragraph 2, "If the customer does not agree to the change of the terms, the contract can be terminated,
If there is no indication of the intention to terminate the contract from the date of receipt of the notice to the business day before the effective date of the modified terms
Deemed as agreeing to change" content.
④ The customer's intention to terminate the contract from the date of receipt of the notice in paragraph 3 to the business day before the effective date of the modified terms
Failure to do so will be deemed to agree to the change.
⑤ The company shall prepare or announce the terms and conditions in the business hall and electronic communication media, and deliver, inquire, and download (including screen output) when requested by customers.
Article 25 (Compliance with relevant regulations, etc.)
① Matters not stipulated in these terms, unless otherwise agreed, otherwise relevant laws and regulations such as the "Electronic Financial Transactions Law" and related individual clauses
or applicable agreements, etc. (hereinafter referred to as "relevant regulations, etc."), matters not stipulated in relevant regulations, etc.
Follow the example above.
② Regarding electronic financial transactions, the "Basic Terms and Conditions for the Use of Electronic Financial Transactions" and the Electronic Financial Transaction Act take precedence over these terms.
Be applicable.
Article 26 (Court of Competence)
When filing a lawsuit on this clause, the competent court shall follow the provisions of the Civil Procedure Law.
Article 27 (Dispute Mediation)
When a customer has a dispute with the company on this clause, they can request the company's complaint handling agency to resolve it or the Financial Supervisory Service can apply to the financial investment association, exchange, etc. for dispute mediation.