Terms of Service & Privacy Policy

[Chapter 1: General]

Article 1 (Purpose)

These Terms of Service govern the rights, obligations, and responsibilities between Joyce Studios (hereinafter referred to as the “Company”) and users regarding the use of the “Car Loan Calculator” application (hereinafter referred to as the “App”).

These Terms also aim to clarify legal relationships and protect users' rights.

Article 2 (Definitions)

• “App” refers to the car loan calculation service provided by the Company.
• “Service” refers to all features provided through the App.
• “User” refers to anyone who uses the App.
• “Content” refers to all data, text, and calculation results within the App.
• “Device” refers to smartphones, tablets, or any device capable of running the App.

Article 3 (Effectiveness of Terms)

These Terms become effective when posted within the App or made available to users.

If you do not agree with these Terms, you must discontinue using the Service.

Article 4 (Modification of Terms)

The Company may modify these Terms within the scope permitted by applicable laws.

Changes will be notified within the App, and continued use constitutes acceptance.

Article 5 (Governing Rules)

Matters not specified herein shall be governed by applicable laws and general practices.

[Chapter 2: Service Usage]

Article 6 (Service Provision)

The Company provides the following services:

• Car loan calculation
• Monthly payment and interest calculation
• Amortization schedule
• Data storage
• Data sharing

The Company may modify or expand services to improve quality.

Article 7 (Usage Conditions)

The Service is available without registration.

Some features may require device permissions.

Article 8 (Service Restrictions)

• System maintenance
• Server issues
• Force majeure events
• Other necessary circumstances

Service may be temporarily interrupted without prior notice.

Article 9 (Required Permissions)

• Internet access (Required)
• Storage access (Required)
• Notification access (Optional)

[Chapter 3: User Obligations]

Article 10 (User Responsibilities)

• Provide accurate information
• Comply with applicable laws
• Respect others' rights
• Use the Service appropriately

Article 11 (Prohibited Activities)

• Providing false information
• Impersonating the Company
• Hacking or abusing the system
• Infringing intellectual property rights
• Posting illegal content
• Defaming others

Violation may result in restricted access.

[Chapter 4: Liability & Disclaimer]

Article 12 (Service Limitations)

The calculation results provided by the App are for reference only and may differ from actual financial products.

Users should verify all financial decisions independently.

Article 13 (Limitation of Liability)

The Company shall not be liable for:

• User input errors
• Device-related issues
• Network problems
• Third-party service issues

Article 14 (Disclaimer)

The Company shall not be responsible for:

• Natural disasters
• Server failures
• External attacks
• Force majeure events

[Chapter 5: Privacy Policy]

Article 15 (Privacy Protection)

The Company values user privacy and complies with applicable laws.

Article 16 (Data Collection)

The App does not collect personally identifiable information.

Anonymous data may be collected for service improvement.

Article 17 (Data Processing)

Data is stored locally on the user's device or minimally processed.

Article 18 (Data Storage)

User data is primarily stored on the device and may not be stored on servers.

[Chapter 6: Miscellaneous]

Article 19 (Intellectual Property)

All rights related to the App and its content belong to the Company.

Article 20 (Service Changes)

The Company may modify services at any time.

Article 21 (Service Termination)

The Company may terminate the Service if necessary.

Article 22 (Dispute Resolution)

These Terms shall be governed by the laws of the Republic of Korea.

Article 24 (Contact)

Email: ibillkim@gmail.com

[Supplementary Provisions]

These Terms are effective as of Apr 15, 2026.

The Company may revise these Terms when necessary.

Users are responsible for reviewing the latest version.