Terms of Service

The purpose of these Terms is to set forth the rights, obligations, and other relevant matters between Murple Inc. (the "Company") and service users (the "Member") in connection with the use of the cloud-based Murfy service (the "Service") provided by the Company.

① The definitions of the terms used in these Terms are as follows.

1. "Service" means the service and all other services that the Company has developed and provides over the internet, regardless of the device used (including various wired and wireless devices such as PCs, TVs, and portable terminals).
2. "Member" means an individual or company that accesses the site operated by the Company, agrees to these Terms, completes membership registration, enters into a service use agreement with the Company, and uses the Service provided by the Company.
3. "Member ID" means the email address selected by the Member and approved and assigned for use by the Company, for the identification of the Member and the use of the Service.
4. "Password" means a combination of letters and numbers determined by the Member to confirm that the Member matches the assigned Member ID and to protect the Member's personal information.
5. "Customer" means a person who uses the Service provided by the Company (including Members and non-members).
6. "Use Agreement" means the agreement entered into between the Company and a Customer through membership registration on the Company's website in order to use the Service provided by the Company.
7. "Termination of Use" means the termination of the Use Agreement by the Company or the Member.
8. "Operator" means a person designated by the Company for the overall management and smooth operation of the Service provided by the Company.
9. Data: means the materials entered by the User and stored on the Company's servers, as well as all additional materials generated through the combination, transformation, or recomputation of such materials.
10. Payment Gateway Provider: means an institution that, based on the User's payment information, acts on behalf of the payment institution to process payment approvals, and that handles the payment approval for each of the User's payment methods and the settlement of service usage fees owed to the Company.
11. "Identity Verification" means confirming a person's identity through means such as a mobile phone, accredited certificate, or credit card, in order to prevent the fraudulent use of personal information or to protect the Customer's personal information.
12. "AI Features" means the artificial-intelligence-based features provided by the Company, and "AI Output" means any and all results generated or suggested by the AI Features.
13. "Recurring Payment" means a payment method under which usage fees are automatically charged at each billing cycle selected by the User.

② Except for the definitions set forth in Paragraph 1 of this Article, the definitions of the terms used in these Terms shall be governed by the relevant statutes and service-specific policies, and matters not provided for in the relevant statutes and service-specific policies shall be governed by general commercial practice.

① These Terms take effect upon being announced through the website (https://murfy.ai/) operated by the Company.

② A Member who has agreed to these Terms upon membership registration becomes subject to these Terms from the time of such agreement, and in the case where the Terms are amended, becomes subject to the amended Terms from the time the amended Terms take effect.

③ The Company may amend these Terms to the extent that such amendment does not violate relevant statutes, including the Act on the Regulation of Terms and Conditions and the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc.

④ Where the Company amends these Terms, it shall, specifying the effective date and the reason for the amendment, announce the amended Terms together with the current Terms on the initial screen of the Service from seven (7) days prior to the effective date until the day before the effective date; provided that, in the case of an amendment that is unfavorable to Users or that concerns material matters, the Company shall give prior notice at least thirty (30) days in advance or notify Users by email. In such case, the Company shall also give notice to the effect that "if a Member does not express an intention to refuse by the effective date, the Member shall be deemed to have agreed to the amendment," and, in the case of an amendment that is unfavorable to Users or that concerns material matters, the Company shall also use an individual notification method such as email.

⑤ Members have the right to disagree with all or part of the amended Terms. A Member who objects to a change to these Terms may terminate the Use Agreement by withdrawing membership.

⑥ If a Member does not withdraw membership before the effective date of the amended Terms or continues to use the Service, the Member shall be deemed to have agreed to the amended Terms.

Matters not specified in these Terms shall be governed by the purpose of the service terms provided by the Company, the Framework Act on Telecommunications, the Telecommunications Business Act, the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc., the Juvenile Protection Act, and other applicable statutes of the Republic of Korea.

① A Use Agreement between the Company and a Customer is formed when a customer who wishes to use the Service agrees to the Terms during the membership registration process, applies for use in accordance with the procedures presented by the Company, the Company approves the content of the application, and the membership registration process is completed.

② Upon membership registration, agreement to these Terms is completed as a declaration of intent to agree by checking the box for agreeing to these Terms or by clicking the relevant button.

③ When the Use Agreement is formed, the Company assigns the Member a Member ID in accordance with the provisions of these Terms.

① A Customer who wishes to use this Service must register as a Member and then provide the personal information requested by the Company.

② The Company may require Identity Verification when necessary to confirm identity.

③ When applying for use, the Customer must enter the Customer's real name and current information.

④ All IDs of a Member who applies for use by misappropriating another person's name shall be deleted, and the Member may be punished in accordance with relevant statutes.

① As a general rule, the Company approves an application for use where the Customer applies through lawful procedures using accurate information and there are no operational or technical problems on the part of the Company. However, with respect to an application for use that falls under any of the following items, the Company may decline to approve it, or may, upon subsequent verification, cancel its approval or terminate the agreement.

1. Where the application is not made under the applicant's real name or is made using another person's name
2. Where the application is made by entering false information in the application for use, or where the applicant fails to enter the information required in the form presented by the Company
3. Where the application is made for the purpose of harming, or with the intent to harm, public order and good morals
4. Where the applicant intends to use the Service to cause damage to the Company, for improper profit-seeking purposes, or for other improper purposes
5. Where the application is made in violation of the matters provided in these Terms, or where other requirements for application for use determined by the Company are not met
6. Where it is otherwise deemed likely that the applicant may engage in conduct inappropriate for a Member

② In the following cases, the Company may restrict approval of an application for use and may withhold approval until the relevant ground is resolved.

1. Where the Company determines that the expansion of facilities within a short period is not possible due to a shortage of service facilities
2. Where a failure has occurred in the Service
3. Where it is otherwise difficult to approve use for unavoidable reasons
4. Where a Member who has a record of termination within the most recent seven (7) days seeks to apply for re-registration

① The Member may view a page within the Service for managing the Member's own personal information, and may view and modify the Member's personal information at any time on that page.

② The Member ID is, in principle, not changeable.

③ The Member must diligently manage the Member's own information for the use of the Service.

④ All responsibility for managing the Member ID rests with the Member, and the Member must not allow a third party to use it.

⑤ The Company performs various user management tasks based on the Member ID.

⑥ All responsibility for usage errors or unauthorized use by a third party arising from the Member ID and password registered by the Customer rests with the relevant Customer.

⑦ Where a "Member" becomes aware that the "ID" and "password" have been stolen or are being used by a third party, the Member shall immediately notify the "Company" and follow the guidance of the "Company."

⑧ In the case of Paragraph 7, the "Company" shall not be liable for any disadvantage arising from the relevant "Member's" failure to notify the "Company" of such fact, or, even where notice is given, the Member's failure to follow the guidance of the "Company."

① The Company endeavors to protect the Member's personal information, including the Member's registration information, in accordance with relevant statutes.

② The Company shall not be liable for information disclosed due to the Member's intent or gross negligence.

③ When necessary to confirm identity, the Company may notify the Member or applicant for membership of the reason and request the Member's identification document or a substitute certificate therefor.

④ The specific matters concerning the processing of the Member's personal information shall be governed by the Company's privacy policy, and consent to the collection and use of personal information shall be obtained separately from consent to these Terms.

① Where the "Company" gives notice to a "Member," unless otherwise provided in these Terms, it may do so by means such as the email address, electronic message, or mobile phone number within the Service.

② In the case of notice to all "Members," the "Company" may substitute the notice under Paragraph 1 by posting it on the "Company's" bulletin board for at least seven (7) days.

① The Company shall do its best to provide the Service to Members continuously and stably in accordance with these Terms.

② For the stable provision of the Service, even where facilities fail or are lost without reason attributable to the Company, the Company shall, in the absence of unavoidable reasons, repair or restore them without delay.

③ The Company shall establish a security system to protect the personal information of Members so that Members can use the Service safely, and shall comply with its privacy protection policy.

④ Where an opinion or complaint raised by a Member is objectively recognized as justified, the Company shall promptly handle it through appropriate procedures.

⑤ The Company shall endeavor to provide convenience to Members in the procedures and content of the contractual relationship with Members, including the conclusion, modification, and termination of the Use Agreement.

① The Member shall comply with the matters provided in these Terms, other regulations established by the Company, and matters announced by the Company.

② Where matters of the Use Agreement, such as the Member's address, contact information, or email address, change, the Member must modify them on the website.

③ When selecting an ID or other names used within the Service, the Member must not use content falling under any of the following items.

④ The Member may not sell or transfer to another person the right to use the Service or any other status under the Use Agreement without the Company's express consent.

⑤ The Member must not use the Service provided by the Company for purposes other than its intended purpose of use.

① The Company provides the following service: Murfy — a text editor for academic papers.

② The Company provides the Service from the time it approves the Customer's application for use.

③ The Company may classify Members using this Service into grades and differentiate their use by subdividing matters such as usage time, number of uses, and the scope of the Service provided.

④ The services provided by the Company include free services and paid services.

⑤ Matters concerning the payment for and refund of paid services shall be governed by Article 16 (Domestic Payment), Article 16-2 (Overseas Payment), Article 16-3 (Refund Policy), and Article 16-4 (Refunds for Overseas Payments).

① Before officially commercializing a new service, the Company may provide a service for testing purposes to Members for a certain period.

② In the case of a service for testing purposes, changes, additions, deletions, etc. of service data may be carried out for the stability of the Service, among other reasons.

③ During a service for testing purposes, the Company may collect specification information of the PCs used by Users in order to discover errors and stabilize the Service.

① The Company may, where there is a substantial reason, change all or part of the Service it provides in accordance with operational or technical needs.

② Where there is a change to the content, method of use, or usage time of the Service, the reason for the change, the content of the service to be changed, the date of provision, etc. shall be posted on the initial screen of the relevant service at least seven (7) days prior to the change.

③ The Company may modify, suspend, or change all or part of the services provided free of charge as required by the Company's policy and operational needs.

1. For Users in the Republic of Korea, the Company offers payment in Korean Won (KRW), and the Company acts as the direct seller supplying the Service.
2. Domestic payments are processed through a payment gateway (PG) designated by the Company. For recurring payments (subscriptions), the User's payment method information (billing key) is securely stored and charged automatically each billing cycle; the User may cancel at any time to stop charges from the next billing cycle. Where the recurring payment amount increases or a free trial automatically converts to a paid service, the Company will give prior notice and obtain any consent required by applicable law.
3. Value-added tax and other taxes applicable to domestic payments are handled in accordance with applicable law and may be included in or added to the displayed price.
4. Refunds for domestic payments are governed by Article 16-3 (Refund Policy).

1. For Users located outside the Republic of Korea or paying with a non-domestic payment method, the Company may offer payment in United States Dollars (USD) through Paddle.com Market Ltd ("Paddle").
2. For overseas payments, Paddle acts as the Merchant of Record and is responsible for payment processing, invoicing, subscription renewals, refunds, and chargeback dispute handling. The Company acts as the supplier providing the Service through Paddle.
3. Any value-added tax (VAT), sales tax, goods and services tax (GST), or other transaction taxes applicable to overseas payments are calculated, charged, collected, and remitted by Paddle in accordance with applicable law, and may be added on top of the displayed price.
4. Users who make overseas payments are subject to the Paddle Buyer Terms and Paddle's privacy policy in addition to these Terms.
5. Overseas payment amounts are displayed and billed in USD; the actual amount charged may vary depending on the exchange rate and fee policies of the User's card issuer or payment provider.
6. Even though Paddle handles payment, taxes, refunds, and dispute resolution, the Company remains responsible for the provision of the Service itself and for any defects or non-performance. Users may raise inquiries and disputes regarding the Service directly with the Company's customer support.

① This Article applies to domestic (KRW) payments under Article 16 for which the withdrawal period under Article 16-5 (Right of Withdrawal) has elapsed. Refunds within the withdrawal period are processed in full, without any deduction, in accordance with Article 16-5. The standards and procedures for card payment refunds under this Article are as follows:

1. A refund is available within fourteen (14) days from the date of payment.
2. The refund amount under this Article is calculated based on the recurring (monthly) payment amount, even for annual-payment Members.

② Partial Refund

1. Recurring-payment Members: Refunds are processed on a pro rata basis, excluding the number of days the Service has been used. Calculation formula: [(total payment amount * 0.8/30)] * remaining days.
2. Annual-payment Members: The annual basis is twelve (12) months, and the remaining usage fee is calculated by dividing the total annual usage fee by twelve, excluding any month in which the Service was used even for a single day, and refunding the remaining amount.

③ Additional Refund Request: Even after a Member has received a partial refund, the Member may request an additional refund for the remaining amount, and this is possible only within one (1) year from the original payment date.

④ Refund Method: Where a Member requests a refund, the Member shall submit the reason for the refund request and the payment information by email.

⑤ Settlement and Offset: In the case of a transaction for which settlement has already been completed, the refund amount shall be offset against the next scheduled settlement amount.

1. Refunds for overseas (Paddle) payments are not governed by Article 16-3 (Refund Policy) but by this Article, the Paddle Buyer Terms, and the consumer protection laws of the country of payment.
2. Users may request a refund for an overseas payment through the Company's customer support (e.g., by email) or through Paddle. Eligibility, amount, and time limits for refunds are determined by the Paddle Buyer Terms and the mandatory consumer laws of the country of payment (for example, the 14-day right of withdrawal in the EU and the UK, subject to exceptions where the User has consented to immediate performance of digital content).
3. Refunds are, in principle, processed through Paddle to the original payment method, and the processing time depends on the policies of Paddle and the card issuer.
4. Notwithstanding this Article, Users whose place of habitual residence is in the Republic of Korea are protected by mandatory domestic consumer protection laws (including the Act on the Consumer Protection in Electronic Commerce) regardless of the payment method used.

① The User may withdraw the subscription within seven (7) days from the date of payment for the paid service or the date on which the Service becomes available for use, whichever is later.

② Withdrawal of subscription is restricted in any of the following cases.

1. Where the Service has been destroyed or damaged for a reason attributable to the User
2. Where the provision of reproducible digital content has commenced; provided that, in the case of a service provided in a divisible manner, this shall not apply to the portion the provision of which has not commenced.

③ The restriction on withdrawal of subscription under Item 2 of Paragraph 2 applies only where the Company has clearly notified the User of that fact on the payment screen or the like and has obtained the User's consent (for example, consent to immediate commencement of use). Where there is no such notification and consent procedure, the User may withdraw the subscription in accordance with Paragraph 1.

④ Upon withdrawal of subscription, the Company shall refund the amount within three (3) business days from the date on which it received payment, and shall request the payment method provider to suspend or cancel the demand for payment. No penalty shall be deducted from a refund made within the withdrawal period.

① Where a Member who is a minor pays for a paid service without the consent of the Member's legal representative, the Member or the legal representative may cancel such agreement in accordance with the Civil Act; provided that this shall not apply where the minor used deception to make others believe that the minor was an adult or that the consent of the legal representative had been obtained.

① The Company may provide Members with various information deemed necessary for the use of the Service.

② The Company may, with the Member's consent, request additional personal information for purposes such as improving the Service and introducing services to Members.

③ Before payment for a paid service, the Company shall give notice, on the payment screen or the like, so that the User can clearly recognize the following matters: 1. the product name and the content provided; 2. the total payment amount including value-added tax; 3. the billing cycle and the next scheduled renewal date and scheduled amount; 4. the method of cancellation; and 5. the time limit, method, and grounds for restriction of withdrawal of subscription. In the case of an overseas (USD) payment, the Company shall also give notice of the fact that the actual amount charged may vary depending on the displayed currency and the exchange rate and fees of the card issuer.

① As a general rule, the Company provides the Service twenty-four (24) hours a day, year-round.

② Notwithstanding Paragraph 1 of this Article, the Company may temporarily restrict or suspend the Service without prior notice for urgent and unavoidable reasons.

③ Where normal provision of the Service is impossible due to a national emergency, power outage, failure of service facilities, or a surge in service use, the Company may restrict or suspend all or part of the Service.

④ The Company may divide the Service into specific ranges and separately designate the available usage time for each range.

⑤ The Company may conduct regular inspections when necessary for the stable provision of the Service.

① The Company values the Member's posts and does its best to protect them from being altered, damaged, or deleted.

② The Member permits the Company to use, reproduce, and transmit the Member's content to the extent necessary for the provision of the Service (storage, backup, synchronization, display, and the processing of AI Features requested by the Member). The Company shall not use such content for any purpose other than the foregoing purposes.

① The copyright in posts that a Member posts within the Service belongs to the Member who posted them.

② The Member may not commercially use another Member's posts or materials provided by the Company, such as by arbitrarily processing or selling them. This paragraph does not apply to content created by the Member.

① Where a Member wishes to terminate the Use Agreement, the Member may, at any time, terminate the Use Agreement or request suspension of use through the membership withdrawal application on the website.

② Where a Member violates or falls under the content of Article 12 (Obligations of the Member) of these Terms with respect to the use of the Service, the Company may restrict use and terminate the Use Agreement.

① In connection with a Member's use of the Service, the Company is liable to compensate for damages incurred by the Member that arise from the Company's intent or negligence.

② The Company compensates Members for damages caused by the suspension of, or failure in, paid services in accordance with the "Consumer Dispute Resolution Standards" of the Fair Trade Commission.

① The Company shall be exempt from liability where it is unable to provide the Service due to force majeure events such as war, conflict, natural disaster, national emergency, or technical defects that are difficult to resolve.

② The Company shall not be liable for the suspension of, or failure in, the use of the Service due to reasons attributable to the Member.

③ The Company shall be exempt from liability where damage is incurred by a Member because a common telecommunications carrier suspends telecommunications services or fails to provide them normally.

④ The exemptions under this Article do not apply to damage caused by the Company's intent or gross negligence, or to the Company's liability under mandatory statutes such as the Act on the Regulation of Terms and Conditions and the Framework Act on Consumers. Where damage arises from reasons attributable to both the Company and the Member, the Company's liability shall be determined according to the degree of its contribution.

1. Nothing in this Article excludes or unfairly limits the Company's liability arising from its intent or gross negligence, or its liability under applicable mandatory law (including the Act on the Regulation of Terms and Conditions and the Framework Act on Consumers).
2. The Company may provide artificial intelligence ("AI") features (the "AI Features"). All output generated or suggested by the AI Features, including text, code, summaries, translations, and references (the "AI Output"), is provided on an "as is" basis.
3. The AI Output may contain inaccurate information (so-called "hallucinations"), and, to the extent permitted under paragraph (1), the Company does not warrant the accuracy, completeness, timeliness, or fitness for a particular purpose of the AI Output.
4. The User is responsible for reviewing and verifying the AI Output before use. The AI Output is not a substitute for professional judgment (legal, medical, tax, financial, or otherwise) or for academic verification.
5. Where the User uses the AI Output in academic papers or similar works, the User is responsible for compliance with rules on plagiarism, authorship, citation accuracy, research ethics, and the policies of the relevant journal, conference, or affiliated institution; responsibility for academic integrity in this regard rests with the User.
6. If it is alleged that the AI Output infringes a third party's rights, the Company will receive the report and take necessary measures in accordance with applicable law.

① Where matters not specified in these Terms are provided for in relevant statutes, such provisions shall apply.

② In the case of a Member using other paid services of the Company, the matter shall be governed by the terms and policies separately determined by the Company.

③ Any lawsuit concerning a dispute arising between the Company and a User in connection with the use of the Service shall be filed with the competent court under the applicable laws, including the Civil Procedure Act; provided that, where the Member is a consumer, the jurisdiction under Paragraph 5 shall take precedence.

④ The laws of the Republic of Korea shall apply to any lawsuit brought between the Company and a Member.

⑤ Notwithstanding Paragraph 3, a User who is a consumer may file a lawsuit with the court having jurisdiction over the User's domicile or residence at the time the lawsuit is filed, and is protected by the mandatory consumer protection laws of the User's place of habitual residence.

These Terms are provided in Korean and English. The Korean version is the official version, and in the event of any conflict between the Korean and English versions, the Korean version shall prevail, except where the mandatory law of the User's place of habitual residence requires otherwise.

These Terms are effective from July 14, 2026. (Previous effective date: August 25, 2025.)