Dispute Resolution Procedure
Dispute Resolution Procedures
1. Dispute application
① In the event of an electronic financial transaction-related accident, the user (hereinafter referred to as the "user") requests the dispute settlement department (contact person in charge) of the company to settle the dispute.
② If a user applies for dispute settlement by the Financial Supervisory Service or the Consumer Protection Board without filing a complaint with the Company's dispute resolution department or filed a claim for damages with the court, the company will participate in the procedure.
② If a user applies for dispute settlement by the Financial Supervisory Service or the Consumer Protection Board without filing a complaint with the Company's dispute resolution department or filed a claim for damages with the court, the company will participate in the procedure.
2. Fact investigation
① The company carries out an investigation of the accident related facts in the internal affairs department and the computer department. When necessary, the company inquires to the related agencies such as the external investigation agency or requests the fact investigation.
② You must cooperate with the investigation of the facts of the company and the investigation or investigation of the relevant authorities.
② You must cooperate with the investigation of the facts of the company and the investigation or investigation of the relevant authorities.
3. Notification of processing result
① The Company shall notify the users of the processing result of the factual investigation within 15 days in accordance with Article 14, Paragraph 2 of the Enforcement Decree of the Electronic Financial Transactions Act. ② Notification contents: Results of internal investigation and contents of processing, results of external agency survey, etc.
② Notification contents: Results of internal investigation and contents of processing, results of external agency survey, etc.
③ In the case of an investigation through an external agency such as an investigation agency or a non-life insurance company, the notice of such investigation may be delayed somewhat depending on the schedule of the agency concerned.
④ If the user agrees with the company's processing results, the dispute settlement procedure will be terminated.
② Notification contents: Results of internal investigation and contents of processing, results of external agency survey, etc.
③ In the case of an investigation through an external agency such as an investigation agency or a non-life insurance company, the notice of such investigation may be delayed somewhat depending on the schedule of the agency concerned.
④ If the user agrees with the company's processing results, the dispute settlement procedure will be terminated.
4. User objection
If you disagree with the Company's dispute, you may apply for dispute settlement with the Financial Supervisory Service or the Consumer Protection Board, or file a complaint with the court.
5. Dispute resolution department participates in arbitration or damages proceeding
① The Company participates in the arbitration proceedings or proceedings of the dispute resolution committee in accordance with the User's objection.
② If both parties agree to the settlement of the dispute settlement committee, the settlement will have the same effect as a court settlement, and if there is an appeal from the company or user regarding the settlement result, the dispute will be disputed.
② If both parties agree to the settlement of the dispute settlement committee, the settlement will have the same effect as a court settlement, and if there is an appeal from the company or user regarding the settlement result, the dispute will be disputed.
6. Request for damages(Termination of dispute)
The Company will compensate for damages based on the outcome of the dispute and end the dispute settlement procedure.
▶ User's intentional misconduct cases ◀
① When you inform your family, friends, employees, etc. about your passwords for electronic financial transactions
② If you have been informed of your personal information such as passwords and account numbers by falling into the internet loan advertisement, etc.
③ If you have left your passwords on your notes for easy access,
④ If you did not delete the certificate after using it in a public place such as a PC room
⑤ If you enter your access media information Even anyone can see that it is a phony site or email for phishing purpose,
② If you have been informed of your personal information such as passwords and account numbers by falling into the internet loan advertisement, etc.
③ If you have left your passwords on your notes for easy access,
④ If you did not delete the certificate after using it in a public place such as a PC room
⑤ If you enter your access media information Even anyone can see that it is a phony site or email for phishing purpose,
<<Related Laws>>
If an electronic financial transaction accident falls under the following cases according to the result of the investigation of the company and the authorities concerned, Please note that you can be punished according to related laws and regulations.
| Case | penalty | Related Laws |
| A person who has forged or altered the access medium necessary for electronic financial transactions like certified certificates, electronic cards, passwords, etc. |
Up to 7 years in prison or Fined up to 50 million won |
Article 49 (Penalty) of Electronic Financial Transactions Act |
| Anyone who has misused the resident registration number of another person like Online member registration with other people's resident registration number |
Up to 3 years in prison or Fined up to 10 million won |
Resident Registration Act Article 21 (Penalty) |
| Those who receive wealth through computer fraud or gain property | Up to 10 years in prison or Fined up to 20 million won |
Article 347-2 of the Criminal Act (computer fraud) |
| A person who has stolen or leaked the digital signature (public certificate) generation information of another person, If the certificate is issued or issued in the name of another person |
Dispute Resolution Officer
| General Affairs Department | JUNG YONG JUN |
| Phone number | 02-771-0000 |
| yjjung@@skypay.co.kr |