# Terms of Service

Last revised: 2026-06-08
Effective date: 2026-06-08

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## Article 1 (Purpose)

The purpose of these Terms is to set forth the rights, obligations, and responsibilities between rulyfi (룰리파이) (hereinafter the "Company") and Users in connection with the use of the Rulyfi service (hereinafter the "Service") operated by the Company.

## Article 2 (Definitions)

1. "Service" means the cryptocurrency-related backtesting (historical-data simulation), strategy scanner, data analysis tools, and all ancillary services provided by the Company.
2. "User" means a person who agrees to these Terms and uses the Service.
3. "Paid Service" means a service that a User uses in consideration of payment.
4. "Virtual Asset" means blockchain-based cryptocurrencies and related digital assets. The Virtual Assets handled by this Service **do not constitute financial investment instruments under the Financial Investment Services and Capital Markets Act (자본시장과 금융투자업에 관한 법률)**.

## Article 3 (Posting and Amendment of the Terms)

1. The Company shall post these Terms on the initial screen of the Service or through a separate linked screen.
2. The Company may amend these Terms within a scope that does not violate applicable laws.
3. When amending the Terms, the Company shall specify the effective date and the reason for the amendment, and shall give notice within the Service, together with the current Terms, from seven (7) days before the effective date. In the case of an amendment unfavorable to Users, the Company shall give notice from thirty (30) days before the effective date and shall give individual notice to the email address registered by the User.
4. If a User continues to use the Service after the effective date of the amended Terms, the User shall be deemed to have agreed to the amended Terms.

## Article 3-2 (Notices and Notifications by the Company)

1. Where the Company gives notice to a User, it may do so by one or more of the following methods, and such notice shall be deemed to have been validly given:
   - Sending to the email address registered by the User
   - Posting in the notices section within the Service
   - Displaying a pop-up or banner upon logging in to the Service
   - Sending a notification message within the Service
2. Notice to multiple Users may be substituted for individual notice by posting in the notices section within the Service. However, matters that materially affect Users shall be individually notified by email.
3. Where a notice fails to be delivered due to an error in, or failure to update a change of, the email address registered by the User, the Company shall be deemed to have duly given the notice and shall not be liable therefor.
4. Users bear the obligation to keep their registered contact information current at all times so as to be able to receive the Company's important notices.

## Article 4 (Eligibility to Use)

1. This Service may be used only by persons aged eighteen (18) years or older.
2. Users must accurately enter their date of birth upon registration, and if a User registers with false information, the Company may cancel the contract.
3. If it is confirmed that a User is under eighteen (18) years of age, the Company may immediately restrict use of the Service and terminate the contract.
4. Residents of the following countries or regions may be restricted from using the Service:
   - Countries subject to international sanctions (e.g., North Korea, Iran)
   - Countries where Virtual Asset-related services are legally prohibited
   - Countries designated by the Company for reasons of legal compliance or operations
5. Users are responsible for complying with the laws of their country of residence on their own, and the Company shall not be liable for any violation by a User of the laws of the User's place of residence.
6. This Service is provided by a company located in the Republic of Korea, primarily in Korean and English, and the Company does not actively solicit or target the market of, residents of any particular country or region. Users residing overseas use the Service at their own discretion and responsibility.

## Article 5 (Conclusion of the Use Agreement and Registration)

1. The use agreement is formed when a User agrees to these Terms and the Privacy Policy and completes the Company's registration procedure.
2. The Company may refuse to accept, or may subsequently terminate the use agreement for, an application falling under any of the following:
   - Where false information has been entered
   - Where the applicant is under eighteen (18) years of age
   - Where the applicant has misappropriated another person's name or information
   - Where the applicant has a record of having been subject to a prior sanction for use of the Service
   - Where the application is otherwise made in violation of these Terms

## Article 5-2 (Management of Member Information and Account Security)

1. Where a change occurs in the information provided upon registration (email, date of birth, payment method, etc.), Users bear the obligation to, without delay, have it corrected by the Company or to update it directly within the Service.
2. Any disadvantage arising from delay or omission in updating information (failure to receive notices, payment failure, restriction of use of the Service, etc.) shall be borne by the User.
3. Users bear the obligation to securely manage their account, password, and authentication credentials, and must not transfer, lend, share, or disclose them to any third party.
4. Where a User becomes aware that the User's account is being used without authorization or that its security has been compromised, the User must immediately notify the Company and follow the Company's guidance. The Company shall not be liable for any damages arising from a delay in such notification.
5. Where a User uses social login (authentication via an external account such as Google), responsibility for managing such external account rests with the User.

## Article 6 (Nature of the Service — Important)

1. This Service is a tool for backtesting and data analysis.
2. This Service is **not investment advice, investment solicitation, investment brokerage, discretionary investment management, or any similar financial service**. The Company is not a financial investment business entity under the Financial Investment Services and Capital Markets Act (자본시장과 금융투자업에 관한 법률), nor is it a quasi-investment advisory business entity.
3. The backtest results, scanner results, statistical figures, and the like provided in the Service are **simulation results based on historical data**, and do not guarantee or forecast any future profit or loss.
4. No figure, ranking, or sorted result displayed in the Service constitutes **a solicitation to invest in any particular asset or strategy**. A User's trading decisions must be made entirely at the User's own discretion and responsibility.
5. The User agrees not to hold the Company liable for any loss arising from carrying out actual trades based on the results of using the Service. However, this shall not apply where there is willful misconduct or gross negligence on the part of the Company, and where the Company's liability is recognized, its scope and limit shall be governed by Article 15 (Limitation of Liability).

## Article 7 (Provision and Modification of the Service)

1. The Company provides Users with the following services:
   - Strategy backtesting based on cryptocurrency historical data
   - A strategy scanner based on criteria specified by the User (sorting and filtering tools)
   - Saving and managing strategies
   - Other additional features provided by the Company
2. The Company may modify the content, hours of use, and methods of use of the Service for operational or technical needs, in which case it shall give advance notice of the modifications.
3. The Company may temporarily suspend the provision of the Service in the following cases:
   - Upon system inspection, maintenance, or replacement
   - Upon the occurrence of force majeure events such as power outage, communications failure, or failure of an external API
   - Where there is another reasonable operational ground

## Article 7-2 (Beta and Experimental Features)

1. The Company may provide certain features by designating them as Beta, Early Access, Experimental, or the like.
2. Beta features are not in a completed state and may have the following characteristics:
   - They may be modified, restricted, or discontinued without notice
   - The likelihood of errors, failures, or data loss is relatively higher
   - Performance and the accuracy of results are not guaranteed
   - They may be included in a Paid Service and then excluded, or vice versa
3. By using a Beta feature, a User shall be deemed to have recognized and voluntarily accepted the above characteristics.
4. The Company shall not be liable for any data loss, result error, or other disadvantage arising in connection with the use of Beta features.

## Article 8 (External Data and APIs)

1. This Service receives market price data through the public APIs of external cryptocurrency exchanges (e.g., Binance).
2. The accuracy, completeness, and timeliness of external data are determined by the data providers, and the Company does not guarantee them.
3. The Company shall not be liable for any constraint on use of the Service due to a failure, modification, or discontinuation of an external API.

## Article 8-2 (Third-Party Services and External Links)

1. For the convenience of Users, this Service may include links to services, websites, or resources operated by third parties, or may use third-party services (payment processing, authentication, analytics, email delivery, etc.).
2. Third-party services are provided in accordance with the terms of service and privacy policies of the relevant third parties, and the Company shall not be liable for the following:
   - The content, accuracy, availability, or legality of third-party services
   - The failure, modification, or discontinuation of third-party services
   - Disputes between a third-party service and a User
3. The rights and obligations arising from a User's use of a third-party service are attributed to the User and the relevant third party.
4. The Company may modify or discontinue links to, or integrations with, third-party services without notice.

## Article 9 (User Obligations and Prohibited Conduct)

Users must not engage in the following conduct:

1. Conduct that infringes the rights of the Company or any third party (intellectual property rights, personal information, etc.)
2. Reverse engineering, decompiling, or disassembling the Service, or copying, distributing, or commercially exploiting it without authorization
3. Abnormally accessing the Service using automated scripts, bots, or crawlers
4. Misappropriating another person's account or collecting another person's personal information
5. Conduct that interferes with the operation of the Service or causes a malfunction
6. Providing information obtained through the Service to a third party for consideration without the prior written consent of the Company
7. Conduct in violation of applicable laws and these Terms

## Article 9-2 (Protection of the Service and Response to Abuse)

1. The following conduct shall be deemed abuse of the Service and is strictly prohibited:
   - Excessive requests or data collection using automated tools (bots, scripts, crawlers, etc.)
   - Exploiting vulnerabilities or bugs in the Service to obtain benefits exceeding the scope of normal use
   - Bypassing the payment system or using false or manipulated payment methods
   - Creating multiple accounts to redundantly receive free benefits or to circumvent usage limits
   - Transferring, lending, or selling an account to another person, or allowing it to be used jointly
   - Registering or acquiring eligibility to use the Service by entering false information
   - Causing an overload on the Company's servers, systems, or network so as to impair other Users' use of the Service
   - Circumventing or neutralizing the Service's security systems, or attacking its authentication mechanisms
   - Any other conduct that the Company reasonably determines to be abnormal
2. Where the Company detects, or reasonably suspects, the abuse referred to in paragraph 1, it may take the following measures without prior notice:
   - Immediate suspension, restriction, or permanent blocking of the relevant account
   - Blocking of the relevant IP address, payment method, or device identifier
   - Recovery or clawback of wrongfully obtained paid benefits, free credits, or discounts
   - In the case of amounts already paid, refusal of refund and set-off against the amount of any damages subsequently incurred
   - Restriction of access to all data of the relevant User (strategies, backtest results, etc.)
3. The Company may carry out the following for the stable operation and security of the Service:
   - Collection and analysis of Users' access logs, IP addresses, device information, and usage patterns
   - Automated monitoring to detect abnormal usage patterns
   - Long-term retention of relevant logs in the event of a security incident (within the period prescribed by applicable laws)
   - Where necessary, analysis through a third-party security solution
4. Where the Company incurs damages due to abuse, the Company may claim the following damages from the relevant User:
   - Direct costs incurred for service recovery and investigation (server costs, personnel costs, etc.)
   - Indirect damages due to disruption in the provision of the Service to other Users
   - Attorneys' fees and litigation costs incurred for legal response (within the scope recognized by applicable laws)
   - Any other damages with a substantial causal relationship to the abuse
5. Where abuse violates applicable laws such as the Criminal Act (형법), the Act on Promotion of Information and Communications Network Utilization and Information Protection (정보통신망 이용촉진 및 정보보호 등에 관한 법률), the Personal Information Protection Act (개인정보 보호법), or the Copyright Act (저작권법), the Company may file a criminal complaint with investigative authorities, and where there is a lawful request from an investigative authority or a court, the Company may provide the User's personal information and usage history within the scope permitted by applicable laws.
6. Users bear responsibility for managing their account and authentication information, and shall be liable even where a third party abuses the account due to the User's negligent management. However, this shall not apply where there is willful misconduct or gross negligence on the part of the Company.
7. The Company shall not be liable for any restriction of use of the Service, inability to access data, or the like, arising from measures duly taken by the Company on reasonable grounds under this Article. However, where a User determines that such measures involve a mistake of fact or are unjust, the User may file an objection with the Company.

## Article 10 (Paid Services)

1. The Company may provide certain services for a fee, and the fees and payment methods shall be announced on a separate page within the Service.
2. Payment for a Paid Service is made through a payment processor designated by the Company, and the User shall be deemed to also agree to the terms of such payment processor at the time of payment. The payment processor, as the Merchant of Record, bears the legal responsibility for payment processing, tax assessment, and dispute handling.
3. Use of the Service commences immediately upon completion of payment, and the User agrees that this shall be deemed "commencement of use."
4. A subscription-type Paid Service renews automatically unless the User cancels, and the User may cancel the subscription at any time before the next payment date.
5. Where the Company intends to increase a recurring payment amount or to convert a service previously provided free of charge into a paid one, the Company shall, before the period prescribed by applicable laws, notify the User of the content thereof and the method of withdrawing consent, and obtain the User's prior consent. If the User does not consent, the previous conditions may be maintained, or the relevant subscription may not renew for the next cycle.

## Article 11 (Withdrawal of Subscription and Refunds)

Detailed matters concerning withdrawal of subscription and refunds shall be governed by a separate Refund Policy. The Refund Policy is posted separately within the Service, and the User confirms and agrees to the content of the Refund Policy at the time of payment.

## Article 12 (Intellectual Property Rights)

1. The copyright and other intellectual property rights in the works included in the Service (design, logos, text, software, etc.) are attributed to the Company.
2. Among the information obtained by using the Service provided by the Company, a User must not use, by copying, transmitting, publishing, distributing, broadcasting, or any other method, information in which intellectual property rights are attributed to the Company, or allow a third party to use such information, without the prior consent of the Company.
3. Rights in data such as backtest settings and strategy configurations created by a User within the Service are attributed to the User. However, the Company may use, store, and display such data within the scope necessary to operate the Service.

## Article 12-2 (Use of User Feedback)

1. Where a User provides the Company with suggestions, ideas, opinions, improvements, error reports, or the like (hereinafter "Feedback") for the improvement of the Service, the Company may freely use such Feedback without separate compensation.
2. The User agrees that, at the time of providing the Feedback, it grants the Company a royalty-free, perpetual, irrevocable, worldwide license to use such Feedback.
3. The Company may use the Feedback for product improvement, development of new features, marketing materials, and the like, in which case it shall not disclose information that can identify the provider of the Feedback.
4. The User warrants that the Feedback is the User's own original idea and does not infringe the rights of any third party, and the User shall be liable for any dispute arising from a breach thereof.

## Article 13 (Protection of Personal Information)

1. The Company establishes and discloses a separate Privacy Policy in order to protect Users' personal information.
2. For details such as the collection, use, provision, and retention period of personal information, please refer to the Privacy Policy.

## Article 14 (Restriction of Use of the Service and Termination of the Contract)

1. Where a User violates these Terms or applicable laws, the Company may restrict use of the Service or terminate the contract without prior notice.
2. A User may apply to withdraw the account at any time through [email protected] or the customer support channel within the Service, and except where otherwise prescribed by applicable laws, the Company shall process the withdrawal within a reasonable period after receiving the application.
3. Upon termination of the contract, the User's personal information shall be processed in accordance with the Privacy Policy.

## Article 14-2 (Permanent Discontinuation of the Service)

1. The Company may permanently discontinue the Service in unavoidable circumstances such as cessation of business, managerial reasons, or changes in laws.
2. Upon permanent discontinuation of the Service, the Company shall comply with the following procedures:
   - Notice within the Service and individual notice by email to Users at least thirty (30) days before the discontinuation date
   - Provision of reasonable means by which Users can download or back up their data (strategies, backtest results, etc.) by the discontinuation date
   - Refund of the usage fees corresponding to the remaining subscription period to paid subscription Users (calculated on a pro rata basis or in accordance with reasonable criteria determined by the Company)
3. After permanent discontinuation of the Service, the Company shall securely destroy User data for which the retention obligation period prescribed by applicable laws has elapsed.
4. In the case of emergency discontinuation due to force majeure (natural disaster, war, legal prohibition, etc.), the advance notice period under paragraph 2 may be shortened within a reasonable scope.

## Article 15 (Limitation of Liability)

1. The Company shall not be liable where it is unable to provide the Service due to force majeure events such as natural disaster, war, riot, terrorism, hacking, failure of an external API, or suspension of service by a telecommunications carrier.
2. **The Company shall not be liable for any loss arising from actual investment or trading carried out by a User based on the backtest results, scanner results, statistical materials, or the like provided in the Service.**
3. The Company has no obligation to intervene in disputes arising through the medium of the Service between Users or between a User and a third party, and shall not be liable to compensate for any damages arising therefrom.
4. **Even where the Company's liability is recognized, the Company's liability for damages shall be limited to the usage fees paid to the Service by the relevant User during the immediately preceding twelve (12) months.** However, this shall not apply where there is willful misconduct or gross negligence on the part of the Company.
5. Including this Article, all provisions of these Terms that exempt or limit the Company's liability **shall not apply to damages caused by the Company's willful misconduct or gross negligence**.

## Article 15-2 (Disclaimer Regarding Data Retention and Loss)

1. The Company takes commercially reasonable backup and security measures in order to stably retain Users' data (strategies, backtest results, account information, etc.).
2. The Company shall not be liable for the loss, corruption, or alteration of User data due to the following causes:
   - Force majeure events such as natural disaster, war, terrorism, or hacking
   - Failure of an external data center or cloud infrastructure provider
   - The User's carelessness, mistake, or negligent account management
   - Account suspension, termination, or service discontinuation under these Terms
   - Other causes beyond the Company's reasonable control
3. Users bear responsibility for separately backing up important data on their own, and shall not hold the Company liable for any loss arising from a failure to do so.
4. Even where the Company makes efforts to recover data, complete recovery may be impossible, and liability therefor shall be limited to cases where there is willful misconduct or gross negligence on the part of the Company.

## Article 16 (Disclaimer)

1. The Virtual Asset market is a highly volatile market, and significant risks exist, including the possibility of a total loss of invested principal.
2. Past performance does not guarantee future results. The fact that backtest results are favorable does not mean that the same performance will occur in actual trading.
3. All information provided in the Service is for educational and informational purposes and does not constitute investment solicitation or recommendation.
4. Before carrying out actual trades, Users should carefully consider their own financial situation, investment experience, and risk tolerance, and where necessary, seek the advice of an independent professional.
5. Additional risk disclosures concerning hypothetical performance such as backtests and scanners shall be governed by a separate Investment Risk & Disclaimer, which forms part of these Terms.

## Article 17 (Governing Law and Dispute Resolution)

1. These Terms shall be construed in accordance with the laws of the Republic of Korea.
2. The courts of the Republic of Korea shall be the courts of exclusive jurisdiction over any dispute arising between the Company and a User. The court of first instance shall be the court determined in accordance with the Civil Procedure Act (민사소송법).
3. Users residing overseas shall also be deemed to agree to this provision. Except where mandatory provisions under the laws of the User's place of residence provide otherwise, the User shall not raise any objection to the application of this provision. **Where mandatory provisions of the place of residence grant rights stronger than those under these Terms, such provisions shall prevail over these Terms.**

## Article 17-2 (Language and Translations)

1. The authoritative version of these Terms is the Korean text, and the rights and obligations between the Company and Users shall be determined on the basis of the Korean text.
2. Translations provided in other languages, including English, are for reference to aid Users' understanding, and where the content of the Korean text and a translation differ, the Korean text shall prevail.
3. However, where the mandatory provisions of the User's country of residence provide otherwise regarding the application of a text in a particular language or the effect of a translation, such provisions shall govern.
4. This provision shall apply equally to the Refund Policy, the Privacy Policy, the Investment Risk & Disclaimer, the Bot End User License Agreement, and all other terms and policy documents provided by the Company.

## Article 18 (Miscellaneous)

1. Matters not specified in these Terms shall be governed by applicable laws and commercial practice.
2. Even if any provision of these Terms is held to be invalid, the validity of the remaining provisions shall not be affected.
3. Where necessary, the Company may supplement these Terms or announce detailed operating policies through individual notices within the Service.
4. A User may not transfer, assign, or pledge as security all or part of the rights or obligations under these Terms to any third party. A User's account may not be the subject of transfer, lending, or sale.
5. In the event of a transfer of business, merger, division, business assignment, or the like, the Company may have the rights and obligations under these Terms succeeded to by a third party, in which case the Company shall give prior notice to Users, and a User who does not wish for such succession may withdraw the account.

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## Addendum

These Terms take effect from 2026-06-08.

Company Information
- Trade name: rulyfi (룰리파이)
- Representative: Lee Junyoung (이준영)
- Business registration number: 420-27-02209
- Address: Room 201, 9-1, Dongsomun-ro 26na-gil, Seongbuk-gu, Seoul, Republic of Korea (Dongseon-dong 3-ga) (서울특별시 성북구 동소문로26나길 9-1, 201호)
- Phone: 010-6547-0825
- Email: [email protected]
- Mail-order business report: Exempt from reporting (small-scale)