Terms of Service

• Effective Date: August 10, 2026

• Company: Maedowang Co., Ltd.

• Service: MoMoCall

Chapter 1. General Provisions

Article 1 (Purpose)

These Terms of Service set forth the rights, obligations, and responsibilities of Maedowang Co., Ltd. (the "Company") and its Members, the procedures for using "MoMoCall" (the "Service"), an artificial intelligence-based call and message data analysis and summarization service and rewards point service provided by the Company, and other necessary matters related to use of the Service.

Article 2 (Definitions)

1. "Service" means all functions provided through the mobile application operated by the Company, including the analysis of various input data, such as voice calls, audio, and messages, to provide summaries, speech-to-text conversion, memo creation, schedule extraction, follow-up task recommendations (such as saving contacts, adding calendar events, and drafting messages), CRM integration, Point accrual and exchange, and ancillary functions. (See Article 4.)

2. "Member" means a person who enters into an agreement to use the Service under these Terms and uses the Service provided by the Company.

3. "Call Data" means a voice audio file created by recording and storing the content of a call between a Member, as a party to the call, and the other party to the call (a file created by accumulating multiple items of audio information using a digital storage device).

4. "Message Data" means data from notifications or messages sent or received by a Member, as a party to the communication, through SMS, KakaoTalk, Slack, email, or similar channels that may be collected and analyzed in a manner determined by the Company, including through services added in the future.

5. "AI-Generated Results" means all outputs analyzed or generated by an artificial intelligence model based on Call Data and Message Data, including text summaries, keywords, schedules, tasks, contact recommendations, and customer information records.

6. "Points" means virtual units within the application that the Company grants to a Member free of charge in return for completing Rewards Activities determined by the Company, such as viewing advertisements or participating in call-related or in-app events designated by the Company. Because Members do not acquire Points by paying money to the Company or any third party, Points do not constitute a prepaid electronic payment instrument under the Electronic Financial Transactions Act.

7. "Point Store" means the area within the application where Members may exchange accrued Points for products designated by the Company, such as mobile vouchers.

8. "Rewards Activities" means activities performed by a Member that qualify for Point accrual, such as viewing advertisements, participating in call-related events designated by the Company, or completing in-app missions.

9. "Keyword-Based Personalized Ad Recommendations" means an optional feature, subject to a Member's separate consent, through which the Company independently extracts keywords from the Member's call content and transmits them to advertising providers in a de-identified form solely for ad matching and recommendation purposes.

10. Any terms not defined in this Article shall be governed by applicable law, Service notices, or customary practice.

Article 3 (Posting and Amendment of These Terms)

1. The Company shall make these Terms readily available to Members by posting them on a screen within the application or on a linked screen.

2. A Member who agrees to these Terms during registration shall be bound by them from the time of consent.

3. The Company may amend these Terms to the extent permitted by applicable law.

4. If the Company amends these Terms, it shall provide notice of the effective date, the reasons for the amendment, and other relevant details at least seven days before the effective date. If an amendment is materially adverse to Members, the Company shall provide notice at least 30 days before the effective date, and the amendment shall take effect only after obtaining the Member's express consent.

5. A Member who does not agree to amended Terms may terminate the Service agreement by withdrawing from membership. A Member who continues to use the Service after the effective date of the amendment shall be deemed to have agreed to the amended Terms.

Chapter 2. Use of the Service

Article 4 (Service Features)

The principal features provided by the Company are as follows:

1. Speech-to-text (STT) conversion of Call Data

2. Summarization and display of Call Data

3. Extraction, display, and notification of work-related details mentioned during calls, including items, schedules, locations, and deadlines

4. Recommendations for follow-up tasks, including callback texts, message drafting, email, memos, and saving contacts

5. Collection and AI processing of notifications from texts, messengers, email, and similar channels, including features added in the future

6. Automated recording in external software based on Call Data and Message Data

7. Integration with spreadsheets and other external tools

8. Server-based backup, search, and data retrieval

9. Accrual of rewards Points and exchange of Points for products in the Point Store

10. Optional Keyword-Based Personalized Ad Recommendations

The Company may freely change the types, configuration, and functions of the Service to improve Service quality, reflect technological developments, or implement policy changes. The Company shall separately notify Members of any material change.

These Terms shall also apply to new features provided in the future, and the Company may add such features without further amending these Terms.

Article 5 (Permissions Required to Use the Service)

To use the Service normally, a Member must grant the permissions identified by the Company, including permissions relating to phone calls, audio, text messages, notification access, storage, contacts, and display as a caller identification and spam detection application.

Article 6 (Service Availability and Restrictions)

1. Unless special circumstances apply, the Company shall provide the Service 24 hours a day, 365 days a year. The Company may establish separate operating hours for certain features and shall notify Members of those hours in advance.

2. The Company may provide notice after the fact only where unavoidable, such as in the event of an unexpected outage.

3. The Company may temporarily suspend the Service in any of the following circumstances:

   1. Essential work such as system maintenance, updates, or incident response

   2. Force majeure events such as natural disasters, power outages, or network failures

   3. Suspension of service by a telecommunications carrier

   4. Other unavoidable operational circumstances of the Company

Article 6-2 (Provision of Service Information and Display of Advertisements)

1. The Company may post information in the application or provide it to Members by email, messenger, or similar means when the Company determines that the information is necessary for use of the Service or is intended to improve or introduce the Service.

2. If a Member no longer wishes to receive information to which the Member previously consented, the Member may opt out through the Member's account and must notify the Company of the refusal. An opt-out shall not apply retroactively to emails or messages already sent and shall be processed within three days from the date on which the Member opts out.

3. A Member shall be deemed to have consented to advertisements displayed in the application while using the Service.

4. Notwithstanding this Article, Keyword-Based Personalized Ad Recommendations under Article 10-5 shall be provided only with the Member's separate and express consent.

Chapter 3. Service Agreement

Article 7 (Formation of the Service Agreement)

1. The Service agreement is formed when a Member agrees to these Terms and the Privacy Policy, applies to use the Service through the registration process, and completes registration after the Company approves the application.

2. The Company may refuse registration by a user whose use of the Service has previously been restricted or suspended.

3. To confirm a Member's identity and enforce the one-person-one-account policy, and to prevent duplicate accounts and the fraudulent accrual or use of rewards, the Company may request mobile-phone identity verification during registration or while the Member participates in Rewards Activities, exchanges Points, or uses other Service features. The Company shall inform Members in advance when identity verification is required and which features are subject to verification.

4. If an account registered or identity-verified using the same Connecting Information (CI) already exists, the Company may reject a new registration application, restrict identity verification for the relevant account, and provide instructions for identifying or using the existing account.

5. If a Member does not complete or fails identity verification, the Company may restrict access to features requiring identity verification, including certain rewards accrual, use, or exchange features. A Member who disputes the identity verification result or duplicate-account determination may submit an objection through customer support.

Article 8 (Changes to Member Information)

1. When providing information to the Company under these Terms, a Member must provide truthful information. A Member shall not be protected from disadvantages resulting from the provision of false information.

2. If the information provided by a Member changes, the Member must promptly update it in the manner prescribed by the Company. The Member shall bear any disadvantages resulting from a failure to do so.

Chapter 4. Paid Services and Refunds

Article 9 (Paid Services)

1. The Company may provide both free and paid services. The types, prices, and conditions of paid services shall be described on a separate screen.

2. Paid services may include (i) subscription services, such as monthly plans, for which fees are charged repeatedly over a specified period, and (ii) credits, packages, or similar services through which a specified amount of usage is purchased in advance.

3. A paid subscription service automatically renews at each billing cycle, and the applicable fee is automatically charged at each renewal, unless the Member cancels the subscription. Before making a payment, the Member shall review and consent to the automatic payment status, billing cycle, amount, and other terms shown on the payment screen.

4. To cancel a paid subscription service, a Member must directly cancel automatic billing through the subscription management feature provided by the applicable marketplace, such as Google Play or the Apple App Store. Deleting the application or logging out does not cancel a subscription.

5. A Member may purchase a monthly pass, credits, packages, or similar items and use paid services in the manner announced by the Company.

Article 10 (Cancellation and Refund Policy)

1. If a Member has not used a paid service after purchasing credits, a package, or a monthly pass, the Member may cancel the purchase within seven days from the payment date, and the Company shall provide a full refund.

2. A paid service shall be deemed used, and no refund shall be available, in any of the following circumstances:

   1. At least one Call Data summary has been generated

   2. At least one STT conversion has been performed

   3. At least one AI schedule extraction or follow-up task recommendation has been performed

   4. An action has occurred that the Company reasonably determines involved the use of server resources

3. Even if a Member cancels a paid subscription service, such as a monthly plan, in accordance with the procedures established by Google Play or the Apple App Store, no refund shall be provided for early cancellation or non-use during the current billing cycle for which payment has already been completed and the usage period has begun. Cancellation takes effect from the next scheduled billing date.

4. A Member may review the Member's subscription status and payment history at any time through Google Play or Apple App Store payment history, receipt emails, subscription management screens, or similar means. The Company shall not be liable for any loss arising from the Member's failure to review such information.

5. A Member seeking to terminate an agreement for a paid service must promptly notify the Company of the intent to terminate. The Company shall not be liable for any loss resulting from the Member's delay or failure to provide such notice.

6. If a Member purchases a paid service through a marketplace such as Google Play or the Apple App Store, the payment terms and refund policy of that marketplace shall prevail over this Article. If the Company's refund standards conflict with the marketplace's refund policy, the marketplace's policy shall apply.

Chapter 4-2. Point Service

Article 10-2 (Grant of Points)

1. The Company may grant Members Points for use within the application free of charge when they complete Rewards Activities determined by the Company, such as viewing advertisements, participating in call-related events designated by the Company, or completing in-app missions.

2. The criteria and amounts for Point accrual shall be governed by the Company's Service operating policy and, in principle, by the information posted on the Service screen. The Company may change the Point accrual criteria for operational reasons. The Company shall notify Members through an in-app notice of any material change adverse to Members at least seven days before the effective date of the change.

3. A Point accrual opportunity based on a call-related event is valid only on the day the relevant call occurs, based on Korea Standard Time (KST). Any unused accrual opportunities and the call count for that day automatically expire at midnight (00:00) each day.

4. Points are virtual units granted by the Company free of charge as rewards for Members' Rewards Activities. Because Members do not acquire Points by paying money to the Company or a third party, Points are not prepaid electronic payment instruments under the Electronic Financial Transactions Act. Members may not directly use Points to pay for external products or services and may use them only through the exchange process in the Point Store provided by the Company.

Article 10-3 (Use, Exchange, and Validity Period of Points)

1. A Member may use accrued Points to exchange them for products designated by the Company in the Point Store, such as mobile vouchers. Points may not be used as a direct payment or means of payment for external products or services.

2. When a Member exchanges Points for a product, the Company may request mobile-phone identity verification to confirm the Member's identity, enforce the one-person-one-account policy, and prevent fraudulent use. If the Member does not complete or fails identity verification, the exchange of the relevant product may be suspended or restricted.

3. Points are not redeemable for cash and may not be transferred, inherited, sold, or gifted between Members.

4. Accrued Points are valid for one year from the date of accrual and automatically expire when the validity period ends.

5. If a Member loses membership status due to withdrawal, termination of the Service agreement, or account deletion, all Points held by the Member immediately expire when membership status is lost. The Company shall not be liable for any resulting loss.

6. The Company may change the types, prices in Points, inventory, exchange conditions, or other details of products in the Point Store after providing prior notice and may temporarily suspend the exchange of specific products.

Article 10-4 (Prohibition of Fraudulent Point Accrual and Responsive Measures)

1. A Member shall not acquire or use Points through any of the following fraudulent means:

   1. Abnormal accrual using macros, automation tools, or similar means

   2. Technical circumvention, including system hacking, abnormal API calls, or client modification

   3. Accrual beyond applicable limits by operating multiple accounts using the same device or the same identity verification information

   4. Accrual using Call Data from a call to which the Member was not a party

   5. Any other conduct that violates the Company's operating policy or applicable law

2. If the Company confirms that a Member has engaged in conduct described in paragraph 1, the Company may take any of the following measures:

   1. Revoke fraudulently accrued Points and recover products exchanged using those Points or the equivalent value

   2. Restrict use of the Point service and related features

   3. Terminate the Service agreement and delete the account

   4. Restrict re-registration

Article 10-5 (Keyword-Based Personalized Ad Recommendations - Optional Feature)

1. A Member may use Keyword-Based Personalized Ad Recommendations only after providing separate opt-in consent. Such consent does not affect access to the basic Service, and the Member may withdraw consent at any time through the application settings or customer support.

2. For this feature, the Company independently extracts keywords from the Member's call content and transmits de-identified keywords required for ad matching to advertising providers.

3. The Company does not provide advertising providers with the Member's name, mobile phone number, email address, CI or DI, original call transcript, or call audio.

4. Advertising providers may not use the de-identified keywords transmitted by the Company for any purpose other than ad matching.

5. Because the de-identified keywords transmitted through this feature are processed in a form that does not identify a Member, the transmission does not constitute provision of personal information to a third party under Article 17 of the Personal Information Protection Act. To enhance transparency, however, the Company describes the transmission in this Article and the Privacy Policy.

6. The Company shall not be liable for the content or accuracy of advertisements recommended through this feature or for transactions between a Member and an advertising provider resulting from the Member's click on an advertisement.

Article 10-6 (Withholding and Filing of Payment Statements for Prizes)

1. If a prize received by a Member from the Company constitutes other income under applicable law, income tax and local income tax may be withheld.

2. If the Company becomes obligated to withhold tax or file a payment statement, the Company shall, before delivering the prize, inform the Member whether the prize constitutes other income, the amount of tax to be withheld, the party responsible for the withholding tax, and the payment method. The Company shall withhold, report, and pay the applicable tax or file the payment statement in accordance with applicable law.

3. To fulfill the obligations described in the preceding paragraph, the Company may request the prize winner to provide information necessary for tax processing, including the winner's name, resident registration number, and domestic or foreign national status. If the Member does not provide the required information or fails to pay an amount equivalent to the withholding tax that the Member was informed in advance would be the Member's responsibility, the Company may suspend delivery of the prize or cancel the prize award until the Company can fulfill the relevant obligations. Before delivering the prize, the Company shall inform the Member of the applicable standards and procedures.

4. The processing of personal information necessary for tax withholding and filing of payment statements shall be governed by the Privacy Policy.

Chapter 5. Personal Information and Data Processing

Article 11 (Protection of Personal Information)

The processing of Members' personal information shall be governed by the Company's Privacy Policy.

Article 12 (Data Processing and Storage)

1. The Company transmits Call Data, Message Data, and similar data to its servers and analyzes such data to the extent necessary to provide the Service to Members.

2. Converted data and AI-Generated Results may be stored for a certain period for Members' convenience. Specific retention periods are set forth in the Privacy Policy.

3. The Company retains original Call Data only for the minimum period necessary and may destroy or anonymize it promptly upon completion of processing. Specific retention periods are set forth in the Privacy Policy.

4. The Company may use data for data analysis and quality improvement after obtaining the Member's additional consent.

Chapter 6. Rights and Obligations

Article 13 (Obligations of the Company)

1. The Company shall provide the Service in good faith in accordance with applicable law and these Terms.

2. The Company shall implement reasonable safeguards to protect data, including Members' personal information and trade secrets.

Article 14 (Obligations of Members)

1. A Member must comply with these Terms and Company notices and, when providing Call Data or Message Data to the Service, must comply with applicable law, including the Protection of Communications Secrets Act and the Personal Information Protection Act.

2. A Member shall not engage in any of the following conduct:

   1. Misappropriating another person's information

   2. Providing Call Data from a call to which the Member was not a party

   3. Uploading, storing, or transmitting data for an unlawful purpose

   4. Using AI-Generated Results for an improper purpose, such as disseminating false information

   5. Transferring, renting, or reselling the right to use the Service

   6. Infringing the copyrights or other rights of the Company or any other person

   7. Accruing, using, or exchanging Points through fraudulent means described in Article 10-4

   8. Any other conduct that interferes, or may reasonably be determined to interfere, with the stable operation of the Service

Chapter 7. Disclaimers and Liability

Article 15 (Disclaimer)

1. The Company shall not be liable for Service interruptions caused by a Member, natural disasters, war, suspension of service by a telecommunications carrier, network conditions, or similar circumstances.

2. AI-Generated Results provided by the Company may differ from actual content due to statistical or model characteristics. They are supplementary tools for which the Company does not guarantee accuracy or reliability, and the Company shall not be liable for any resulting loss.

3. The Company cannot restore Call Data, Message Data, or similar data deleted by a Member through the application and shall not be liable for Call Data, Message Data, AI-Generated Results, or similar data deleted due to a natural disaster, war, or a cause attributable to the Member.

4. The Company shall not be liable for any loss arising where a Member disseminates Call Data or Message Data containing obscene content, false information, or content related to criminal activity, or transmits, distributes, shares, assigns, or lends Call Data, Message Data, or AI-Generated Results to a third party without the other party's consent.

5. The Company shall not be liable for the content of advertisements displayed to a Member through Keyword-Based Personalized Ad Recommendations under Article 10-5, the reliability of advertising providers, or any loss arising from transactions between a Member and an advertising provider resulting from the Member's click on an advertisement.

6. The use, validity period, and refund of mobile vouchers or similar products exchanged in the Point Store shall be governed by the policies of the applicable issuer and merchant. The Company shall not be liable for any loss attributable to the issuer or merchant.

Chapter 8. Termination of the Service Agreement

Article 16 (Membership Withdrawal)

1. A Member may withdraw at any time through the account deletion feature in the application or by contacting customer support by email or other customer support channels.

2. Withdrawal may not automatically cancel a paid subscription purchased through Google Play, the Apple App Store, or a similar marketplace. The Member must separately cancel the subscription through the subscription management screen of the applicable marketplace.

3. Upon withdrawal, the Company shall destroy the Member's personal information and stored data in accordance with applicable law. If withdrawal and a paid service refund overlap, Article 10 and the refund policies of Google Play or the Apple App Store shall apply.

4. Upon withdrawal, all Points held by the Member immediately expire and shall not be refunded or transferred. The Company shall not be liable for any resulting loss.

Article 17 (Restriction of Use and Termination)

1. If a Member violates these Terms, the Company may restrict the Member's use of the Service or terminate the Service agreement after providing prior notice. If providing prior notice is impracticable, the Company may restrict use of the Service first and notify the Member afterward.

2. If use is restricted or the Service agreement is terminated under paragraph 1, the Company may restrict the relevant Member's use of the Service and re-registration.

Chapter 9. Miscellaneous

Article 18 (Damages)

If a Member incurs loss due to a cause attributable to the Company, the Company shall compensate the Member for the loss. However, the Company shall not compensate for loss arising in connection with services provided free of charge, including the Point service.

Article 19 (Dispute Resolution and Jurisdiction)

If a dispute arises between the Company and a Member in connection with these Terms, the parties shall attempt in good faith to resolve the dispute through consultation. If the dispute cannot be resolved through consultation, the court having jurisdiction under the Civil Procedure Act shall have jurisdiction as the court of first instance.

Addendum

1. These Terms take effect on August 10, 2026.

2. The Terms in effect before these Terms (Terms of Service dated May 19, 2026) shall cease to have effect when these Terms take effect.

3. If a Member who registered before the effective date participates in Rewards Activities requiring identity verification or uses or exchanges Points on or after the effective date, the provisions relating to identity verification shall apply.

4. Article 10-6 shall apply if, on or after the effective date, a Member wins a prize that gives rise to an obligation to withhold tax or file a payment statement.

5. Unless otherwise provided by applicable law or this Addendum, the previous Terms shall apply to rights and obligations arising before these Terms take effect.

   
   

Korean Terms of Service

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November 24, 2024 Terms of Service

December 12, 2025 Terms Of Service