NeoQuant Terms of Service

Key Matters to Confirm Before Payment

The following are key matters that you must review and agree to on a separate screen before purchasing the paid service.

1. NeoQuant is virtual-asset derivatives automated-trading software that a Member uses by connecting an API to a supported exchange account held in the Member's own name. The Company does not receive, hold, or withdraw the Member's investment funds.

2. To use the Service, a supported exchange account in the Member's own name linked to the referral code designated by the Company is required. An account linked to another referrer, for which the Company's referral code cannot be applied, may be restricted from using the Service.

3. The Member directly selects and makes the final decision on the trading symbols, strategy templates, position direction, leverage, order amount, other key settings, and whether to execute.

4. Trading of virtual-asset perpetual futures is high-risk trading in which the entire principal may be lost due to leverage, forced liquidation, sharp price fluctuations, position expansion from DCA, slippage, fees, and funding costs.

5. The Company does not guarantee profits, win rates, preservation of principal, or any particular performance. Past results, backtests, simulated results, and other Members' results do not guarantee future performance.

6. Due to failures, delays, or maintenance of the exchange, network, API, cloud, or communications network, and due to sudden market changes, orders may be delayed, rejected, or partially filled, or filled at a price different from the intended price.

7. The Service does not require withdrawal permission. The Member must not grant any withdrawal permission beyond the trading permission guided by the Company.

8. The current Subscription is a fixed-term, one-time-payment product that does not renew automatically. If the Company introduces automatic payment in the future, it will provide separate prior notice and obtain consent.

9. If a 3-month or 6-month prepaid product is terminated early, the refund is made after deducting 10% of the remaining amount as an early-termination cost from the remaining amount calculated based on the actual paid amount. The specific formula follows Article 14.

Article 1 (Purpose)

The purpose of these Terms is to set out the rights, obligations, and responsibilities between the Company and its Members in connection with the use of the web/mobile-based virtual-asset automated-trading software and its incidental services (hereinafter the "Service") provided by NeoQuant (English brand name NeoQuant; hereinafter the "Company").

Article 2 (Definitions)

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

1. "Member" means a person who has agreed to these Terms and entered into a service use agreement with the Company.

2. "Account" means the service account created to identify a Member and use the Service.

3. "Exchange" means a third-party virtual-asset trading platform on which the Member directly opens an account and connects to the Service via API. Supported exchanges and the scope of support are announced on the sign-up, application, or API connection screen.

4. "API Credentials" means the exchange API Key, Secret Key, and other authentication information required to connect the Service to the exchange account.

5. "Trading API" means the API permission used to send orders to the exchange account or to query trading status according to the settings selected by the Member.

6. "Strategy" or "Template" means a combination of automated-trading conditions such as entry, additional entry (DCA), take-profit, stop-loss, and restart.

7. "Position" means a virtual-asset derivatives contract that has been filled and is held on the Exchange.

8. "Recommendation Information" means the candidate symbols, directionality, liquidity/spread verification results, statistics, market information, and other reference materials displayed by the Service.

9. "Subscription" means a fixed-term right to use the Service according to the plan and usage period selected by the Member.

10. "Usage Fee" means the amount the Member pays to the Company to purchase a Subscription.

11. "Service Commencement" means the state in which the Member has actually begun using paid features with a purchased Subscription; the specific criteria follow Article 14(2).

12. "Business Day" means a day other than Saturdays, Sundays, and public holidays of the Republic of Korea.

Article 3 (Company Information and Posting of the Terms)

1. The Company's information is as follows.

· Trade name: NeoQuant (네오퀀트)

· English brand name: NeoQuant

· Co-CEOs: Lee Seul-gi, Song Beom-seok

· Business registration number: 387-17-02825

· Address: 6F Unit 3, 40-19 Dumul-ro 11beon-gil, Namyangju-si, Gyeonggi-do (Byeollae-dong, Pungjeon Plaza)

· Mail-order business registration number: [to be entered after registration is completed]

· Customer center phone: 010-7245-1953

· Customer center email: neoqnt@kakao.com

· Customer center hours: 10:00 to 20:00 (Korea Standard Time; holidays announced separately)

2. The Company posts the Terms on the initial service screen or a linked screen so that Members can easily review them.

3. The Company notifies Members of important matters — such as withdrawal of subscription, early termination, refunds, automated-trading risks, referral-code requirements, and limitation of liability — on a separate screen before payment and obtains the Member's confirmation.

Article 4 (Effect and Amendment of the Terms)

1. These Terms take effect from the time the Member agrees and the use agreement is formed.

2. The Company may amend the Terms within the scope that does not violate applicable laws.

3. When the Company amends the Terms, it announces them from 7 days before the effective date, specifying the effective date and the reason for the change. For changes that are unfavorable or material to Members, the Company announces them from 30 days before the effective date and gives individual notice by reasonable means such as email or service notification.

4. If a Member does not agree to the amended Terms, the Member may terminate the use agreement before the effective date. The Company does not apply amended Terms retroactively without the Member's consent.

5. For amendments that require explicit consent under the law, the Company obtains the Member's separate consent.

Article 5 (Content of the Service and the Company's Role)

1. The Company provides all or part of the following services.

1. Connecting and checking the status of the Member's supported exchange API

2. Executing and automatically managing orders according to the symbols, strategies, and settings selected by the Member

3. Displaying positions, profit and loss, transaction history, and strategy status

4. Notifications through external channels such as Telegram

5. Providing symbol screening, liquidity/spread verification, statistics, and market information

6. Charts, backtesting, simulated operation, and other supplementary features

7. AI-based information features that may be launched separately in the future

2. The Company does not receive, hold, deposit, or withdraw the Member's investment funds from the exchange account.

3. The Company provides software that technically executes the settings selected by the Member. The final decision and responsibility regarding the Member's trading symbols, strategy, leverage, order amount, and whether to execute rest with the Member.

4. The Recommendation Information displayed by the Company is part of its information-provision and tool features and is not tailored investment advice or a profit guarantee provided by comprehensively considering an individual Member's investment objectives, financial situation, or loss tolerance.

5. AI-based information features are not currently provided; upon launch, their scope, whether they are personalized, use conditions, and related notices are announced separately.

6. Actual features provided, usage limits, supported exchanges, and differences by plan follow the product description at the time of payment.

Article 6 (Eligibility and Registration)

1. The Service may be used only by persons who are at least 19 years old and for whom virtual-asset derivatives trading on a supported exchange is legally permitted in their place of residence or place of service use.

2. The Member must use a supported exchange account in the Member's own name and must satisfy the Exchange's identity verification, residency, regional restrictions, and derivatives-use requirements.

3. The Service is, in principle, provided in Korean within the Republic of Korea. Republic of Korea nationals residing overseas may use it only if they satisfy the laws of the relevant country and the supported exchange's eligibility requirements.

4. The Company may refuse an application for registration or restrict use afterward in the following cases.

1. Where another person's name or false information is used

2. Where use of the Service is prohibited under law, the Exchange's terms, or the Company's policy

3. Where the applicant is subject to anti-money-laundering or economic-sanctions restrictions

4. Where use was restricted due to past improper use

5. Where there is a risk of harming the stability of the Service or the rights of other Members

5. The Member must correct registration information without delay when it changes.

Article 7 (Conditions for Using an Affiliated Exchange Account)

1. To use the Service, the Member must use an affiliated exchange account in the Member's own name linked to the referral code designated by the Company.

2. Before paying for a Subscription, the Member must confirm whether the Member's exchange account is linked to the Company's referral code. The Company provides, to the extent possible, a procedure to confirm the linkage before payment or Service Commencement.

3. An account linked to another referrer, for which the Company's referral code cannot be applied, may be restricted from using the Service.

4. If a Member uses or circumvents the Service without disclosing that the affiliated-account requirements are not met, the Company may request correction or restrict use.

5. Where the Service cannot commence because the affiliated-account requirements are not met and the Member has not used paid features, the matter is handled under the unused-refund criteria of Article 14.

Article 8 (Management of Account and API Credentials)

1. The Member must securely manage the account, password, two-factor authentication means, and API Credentials, and must not lend, transfer, or share them with any third party.

2. The API used to connect to the Service must be granted only the minimum permissions necessary for the trading guided by the Company, and must not be granted withdrawal permission.

3. Upon becoming aware of leakage of API Credentials, suspicious transactions, or account takeover, the Member must immediately revoke the API on the relevant Exchange and notify the Company.

4. The Company processes API Credentials with protective measures applied on a separate database server, to the extent necessary for order execution and provision of the Service. The specific processing items, protective measures, and deletion criteria follow the actual system configuration and the privacy policy.

5. The Service may apply the IP whitelist function provided by supported exchanges, and the Member must not arbitrarily change the IP and API permission settings guided by the Company.

6. The Company is not liable for damages arising from causes attributable to the Member, such as the Member's negligent management, account sharing, or granting of withdrawal permission. However, this does not apply where there is intent or negligence on the part of the Company.

Article 9 (Execution of Automated Trading and Order Processing)

1. When a Member runs a strategy, the Service may send orders to the supported exchange API according to the settings selected by the Member.

2. Whether an order is accepted, filled, rejected, or canceled, and the actual fill price and quantity, are determined by the Exchange's order rules, quotes, minimum order quantity, contract multiplier, position mode, margin, leverage, and market conditions.

3. Market orders may be filled at a price different from the displayed price, and slippage may widen under sharp fluctuations or low liquidity.

4. Due to network or API delays, exchange errors, partial fills, and the like, temporary discrepancies may arise between the Service screen and the actual status on the Exchange. The Exchange's actual order, fill, and position records shall prevail.

5. Where the same symbol is operated with multiple strategies or groups on the same exchange account, orders and positions may be aggregated or offset depending on the position mode. In this case, the per-strategy display within the Service may differ from the single-position display on the Exchange.

6. The emergency-stop, new-entry-suspension, and full-liquidation functions are functions that attempt to send orders and do not guarantee immediate or full execution. The Member must check the actual order and position status on the Exchange screen.

7. If the Member directly places orders, changes positions, changes leverage, revokes the API, or changes account settings outside the Service, the automated-trading logic and the actual account status may diverge.

8. Termination of the service use agreement, expiration of the Subscription, account suspension, or disconnection of the API does not mean that open orders or held positions on the Exchange are automatically canceled or liquidated. The Member must check the status directly on the Exchange and take necessary measures.

Article 10 (Risks of Virtual-Asset Derivatives Trading)

1. The Member must use the Service only to the extent that the Member understands and can bear the following risks.

1. Risk of amplified gains and losses and forced liquidation due to leverage

2. Risk that positions and losses accumulate due to additional entries such as DCA or martingale

3. Risk of sharp fluctuations, price gaps, insufficient quotes, partial fills, and slippage

4. Risk that trading fees and funding costs accumulate with repeated or long-term holding

5. Risk of exchange failure, hacking, bankruptcy, withdrawal restrictions, policy changes, or delisting

6. Risk of regulatory and tax changes by country

7. Risk of algorithm, data, communication, or software errors

2. The fact that Recommendation Information is displayed, or that liquidity/spread criteria are met, does not guarantee the safety, fillability, or profitability of the relevant symbol.

3. The Member must set the order amount and leverage considering the Member's own financial situation, experience, and loss tolerance, and must not trade with funds that are difficult to bear as a loss, such as living funds or borrowed funds.

Article 11 (Third-Party Services and Exchanges)

1. Supported exchanges, Telegram, data providers, cloud, and telecommunications operators are third parties separate from the Company.

2. The terms and policies of the relevant operators apply to the use of third-party services.

3. The Company cannot control third parties' maintenance, policy changes, API changes, data errors, service interruptions, regional restrictions, or account restrictions.

4. Where a supported exchange suspends trading of a particular symbol, delists it, changes contract specifications, restricts leverage, or changes its API, the Company may suspend or change support for the relevant feature or symbol.

Article 12 (Plans and Usage Fees)

1. The Service usage fees are as follows and all include value-added tax.

2. The usage period, position limits, templates, and features provided follow the product description at the time of payment.

3. Currently, all Subscriptions are fixed-term, one-time-payment products that do not renew automatically. To continue using the Service after the usage period ends, the Member must pay again directly.

4. If the Company introduces auto-renewing products such as CMS or recurring card payments in the future, it does not apply them automatically to existing Members, and it gives prior notice of the billing cycle, amount, and cancellation method and obtains separate explicit consent.

5. The Company may change prices and plans, and changed prices apply from contracts newly concluded after the change. They do not apply retroactively to already-paid usage periods.

6. Promotions, coupons, or additional discounts are separately indicated before payment, along with their applicable conditions and periods.

Article 13 (Payment)

1. The Member must pay the usage fee through the official website or official payment method designated by the Company.

2. Amounts paid to the personal account of a sales agent, affiliate marketer, or third party may not be recognized as a valid usage-fee payment, except where the Company has approved it in writing in advance or has issued an official receipt in the Company's name.

3. A sales agent or affiliate marketer has no authority to arbitrarily promise use conditions, profit guarantees, principal guarantees, refund conditions, or special benefits that differ from the Company's official Terms and product description.

4. The official payment methods currently provided by the Company are bank transfer to an account in the Company's name and USDT payment through a wallet designated by the Company. The Company informs the Member of the deposit account or wallet address, supported network, payment amount, and confirmation method before payment.

5. A USDT payment is deemed completed when the exact quantity is transferred to the wallet address and supported network designated by the Company and the blockchain confirmation procedure required by the Company is completed.

6. If a Member transfers USDT to a wrong wallet address, an unsupported network, or in a wrong quantity, recovery or Service Commencement may be delayed or impossible. However, this does not apply where the Company provided incorrect information.

7. The refund quantity, refund network, transfer fees, and KRW conversion basis for USDT payments follow the criteria indicated before payment and Article 14.

8. If a payment error, inability to verify the depositor, insufficient quantity, or payment rejection occurs, Service Commencement may be restricted.

Article 14 (Withdrawal of Subscription, Early Termination, and Refunds)

1. The Member may request withdrawal of subscription within 7 days from the date of receiving the written or electronic document regarding the contract details, in accordance with applicable laws.

2. If any of the following applies, the Service is deemed to have commenced. However, merely viewing free screens is excluded, and the Company informs the Member of the Service Commencement criteria and the possibility of restrictions on withdrawal of subscription before payment and obtains separate confirmation.

1. Completion of the supported exchange API connection

2. Application or execution of a paid template

3. Execution of automated trading or sending of orders

4. Viewing paid Recommendation Information

5. Use of paid chart/analysis features

3. Where it is within 7 days from the payment date and none of the Service Commencement acts in Paragraph 2 have occurred at all, the full paid amount is refunded.

4. After Service Commencement, simple withdrawal of subscription may be restricted, but the Member may request early termination at any time during the usage period.

5. Where the Member terminates early for the Member's own reasons, the refund amount is calculated based on the actual paid amount in the following order.

1. Daily usage amount = actual paid amount ÷ total usage days agreed at the time of payment

2. Amount used = daily usage amount × number of days used from the Service Commencement date to the termination request date

3. Remaining amount = actual paid amount − amount used

4. Early-termination cost = 10% of the remaining amount

5. Final refund amount = remaining amount − early-termination cost

6. The total usage days are calculated based on the usage start and end dates shown on the payment screen, and the Service Commencement date and the termination request date are included in the days used. Amounts of less than one KRW in the calculation process are handled according to applicable laws and the settlement criteria of the payment method.

7. An example calculation is as follows.

· Actual paid amount for the Pro 6-month product: KRW 5,346,000

· Example total usage days: 180 days

· Remaining amount after 60 days of use: KRW 3,564,000

· Early-termination cost: KRW 356,400

· Final refund amount: KRW 3,207,600

The above example assumes a 180-day product and is for reference only; the actual refund amount varies depending on the total usage days shown at the time of payment and the actual number of days used.

8. The following reasons alone do not entitle the Member to compensation for the usage fee for the period already used or for trading losses.

1. Trading losses, shortfall from expected profit, or changes in market conditions

2. Results arising from the symbols, strategies, leverage, order amount, or settings selected by the Member

3. Problems arising from the Member's exchange account, API permissions, margin, network, or external manual orders

4. Requests for a cash refund of a free trial, a free provision period, or a promotional benefit itself

However, this does not apply where there is a cause attributable to the Company or a refund ground under the law.

9. Even where use is restricted or the contract is terminated due to the Member's violation of the Terms, the Company calculates whether to refund the remainder after deducting the amount used, damages, and the like permitted by applicable laws. The Company does not uniformly forfeit the entire remaining amount of the Member.

10. Where the Member cannot normally use core services due to a cause attributable to the Company, or where an obvious period of service non-provision occurs, the Company refunds the amount corresponding to the unused remaining period without an early-termination cost and takes additional measures in accordance with applicable laws and the consumer dispute resolution criteria.

11. The Company refunds, in principle, by the same method as the payment method within 3 business days from the date the refund obligation arises. Where it is difficult to refund by the same method, the Company notifies the Member and processes it by a mutually agreed method. If the refund is delayed, the Company pays the delay compensation prescribed by applicable laws.

12. The Member may request withdrawal of subscription, early termination, and refunds through the cancellation function within the Service or the customer center in Article 3.

Article 15 (Change, Maintenance, and Suspension of the Service)

1. The Company may change or update part of the Service for stable operation.

2. Scheduled maintenance is, in principle, announced in advance. Where there is an urgent security measure, an exchange failure, or an unavoidable reason, it may be announced afterward.

3. Where core services are suspended for a long period due to a material reason such as a change in law or exchange policy, a security threat, or service termination, the Company gives prior notice to Members and provides a refund or alternative measure for the remaining usage period.

4. Even during a service suspension, the Member must check and manage positions directly on the Exchange.

Article 16 (Recommendation Information, Statistics, and Past Performance)

1. Recommendation Information is based on the data and algorithms at the time of creation and may contain delays, omissions, or errors.

2. Backtests, simulated operation, example returns, and other Members' performance may differ from actual trading in fees, funding costs, slippage, fillability, market impact, taxes, and the like.

3. Where the Company provides performance materials, it also indicates key calculation criteria such as the calculation period, the reference asset, whether fees and funding costs are reflected, the distinction between realized and unrealized profit and loss, and the maximum drawdown.

4. The Member must not trade based solely on Recommendation Information and must check the actual price, quotes, and contract specifications on the relevant Exchange and the Member's own risk level.

Article 17 (Affiliated Exchange Relationship)

1. The Company may enter into affiliate relationships with supported exchanges for exchange account linkage and provision of the Service.

2. Conditions necessary for using the Service, such as linkage to the referral code designated by the Company, are announced before sign-up, application, or payment.

3. The Company reasonably manages the affiliate relationship so that it does not unfairly impair the objectivity of Recommendation Information.

Article 18 (Member's Obligations and Prohibited Acts)

The Member must not engage in the following acts.

1. Providing false information, identity theft, or lending, transferring, or reselling an account or Subscription

2. Connecting an API that includes withdrawal permission, or connecting another person's exchange account without authorization

3. Attempting to copy, reverse-engineer, extract, or circumvent the Service's source code, algorithms, strategies, data, or security structure

4. Overloading the Service through crawling, abnormal calls, automation tools, or attacks

5. Exploiting bugs or errors, or causing damage to the Company or other Members

6. Using the Service to violate laws, the Exchange's terms, or third parties' rights

7. Using the Service or the Company's name for profit guarantees, false or exaggerated advertising, or investment solicitation without the Company's approval

8. Circumventing the Company's affiliated exchange account requirements or manipulating trading records

9. Other acts that interfere with the normal operation of the Service

Article 19 (Restriction of Use and Termination of Contract)

1. The Company may restrict use of the Service if a Member violates these Terms or the law, or where there is an urgent security risk.

2. Except in urgent cases, the Company notifies the Member of the reason for restriction and the method of objection in advance or without delay.

3. The Member may request termination of the use agreement at any time. Where there is an unpaid amount or an ongoing refund or dispute, the information necessary for the relevant procedure may be retained for the retention period required by law.

4. Upon restriction of use or termination of the contract, refunds follow Article 14.

Article 20 (Intellectual Property Rights)

1. Rights to the Service, software, screens, brand, logo, documents, databases, and the strategies and algorithms in which the Company lawfully holds rights belong to the Company or the rightful holder.

2. The Member is granted only a personal, non-exclusive, non-transferable right to use the Service during the contract period.

3. The Company may use feedback provided by the Member to improve its products, but the Member's personal information or transaction information is processed in accordance with applicable laws and the privacy policy.

Article 21 (Personal Information and Transaction Information)

1. The Company processes the Member's personal information in accordance with applicable laws such as the Personal Information Protection Act and the privacy policy.

2. The Company may process and retain access logs, setting values, API responses, order request and fill history, and error logs to the extent necessary for order execution, failure analysis, security, customer support, and dispute handling.

3. Matters concerning the items, processing purposes, retention periods, third-party provision, and entrustment of personal information follow the privacy policy.

Article 22 (Company's Obligations)

1. The Company complies with applicable laws and these Terms and makes reasonable efforts to provide a stable Service.

2. Where the Company becomes aware of a security incident or a serious order error, it may urgently suspend API connections, new orders, or related features to prevent the spread of damage.

3. The Company handles the Member's legitimate inquiries and complaints and, where immediate handling is difficult, informs the Member of the reason and the handling schedule.

4. The Company does not use expressions that guarantee profits or principal and endeavors not to provide materials that may be mistaken for actual results.

Article 23 (Scope of Liability)

1. The Company does not guarantee investment profits or avoidance of losses to Members.

2. The Company is not liable for damages arising from the following causes unless there is intent or negligence on the part of the Company.

1. The Member's selection of symbols, strategy, leverage, or order amount, or manual orders

2. Market price fluctuations, forced liquidation, funding costs, fees, or slippage

3. Failures or policy changes of supported exchanges, data providers, communications networks, cloud, or external services

4. The Member's negligent management of the account or API, or violation of the Exchange's terms

5. Causes that the Company cannot reasonably control, such as natural disasters, war, or measures by regulatory authorities

3. Where an order is sent incorrectly or a material defect occurs in the Service due to a cause attributable to the Company, the Company compensates for direct and ordinary damages in accordance with applicable laws.

4. This Article does not limit liability for the Company's intent or gross negligence, or consumer rights that cannot be excluded under applicable laws.

Article 24 (Notice)

1. The Company may give notice through in-service announcements, the sign-up email, text messages, Telegram, or other contact means provided by the Member.

2. General matters concerning all Members may be replaced by in-service announcements. However, matters that materially affect Members' rights and obligations are individually notified by reasonable means.

3. Where a Member fails to keep contact information up to date and thus does not receive a notice, the Company is not liable unless there is intent or negligence on its part.

Article 25 (Complaints and Dispute Resolution)

1. The Member may request inquiries, objections, withdrawal of subscription, termination, and refunds through the customer center in Article 3.

2. The Company handles disputes by checking objective materials such as order, fill, and error logs. The Member may, if necessary, provide the relevant Exchange's order ID, fill history, and account records.

3. If a dispute between the Company and the Member is not resolved, the parties may use the dispute mediation procedures of the Korea Consumer Agency, the Electronic Commerce Dispute Mediation Committee, or relevant institutions.

Article 26 (Governing Law and Jurisdiction)

1. The laws of the Republic of Korea apply to these Terms and the service use agreement.

2. Litigation between the Company and the Member shall be filed with the competent court prescribed by applicable laws such as the Civil Procedure Act.

Addendum

1. These Terms take effect on July 15, 2026.

2. Where the Company intends to apply the amended Terms to Members who registered before the effective date, the Company announces and notifies them in accordance with the procedure in Article 4 and obtains the necessary consent.