Last Updated: November 7, 2025 Terms of Service Chapter 1: General Provisions Article 1: Purpose The purpose of these Terms is to stipulate the rights, obligations, and responsibilities of the Company and users, and other necessary matters regarding the use of the Cresco service operated by Cresco Inc. Article 2: Definition of Terms The definitions of terms used in these Terms are as follows: 1. "Service" refers to the Cresco mobile application and all related services provided by the Company. 2. "Member" refers to a person who has entered into a service use agreement with the Company and has been granted an account through social login. 3. "Subscription" refers to paying a monthly fee to use paid services. 4. "Content" refers to all information, text, AI responses, and financial data provided within the service. 5. "AI Service" refers to natural language Q&A and analysis services provided by the Company utilizing third-party AI provider technology. Article 3: Specification and Amendment of Terms The Company posts the content of these Terms within the service so that members can easily understand them. The Company may amend these Terms if necessary within the scope that does not violate relevant laws. When amending the Terms, the Company will announce the effective date and reason for amendment, along with the current Terms, within the service from 7 days before the effective date until the day before the effective date. Members have the right to refuse the amended Terms, and if they do not express their refusal within 15 days after the announcement of the amended Terms, they are deemed to have agreed to the amended Terms. Members who do not agree to the amended Terms may stop using the service and withdraw. Chapter 2: Membership Registration and Service Use Article 4: Conclusion of Use Agreement The use agreement is concluded when a person wishing to become a member agrees to the contents of the Terms and applies for membership through social login (Kakao or Apple), and the Company approves such application. The Company does not provide email and password-based membership registration, and membership is only possible through Kakao or Apple social login. The Company may not approve or may subsequently terminate the use agreement for applications falling under the following: 1. When the applicant has previously lost membership status under these Terms 2. When using another person's social account information 3. When registering false information or not filling in the information presented by the Company 4. When applied by a child under 14 years of age 5. When repeatedly violating service Terms or policies 6. When approval is impossible due to the user's fault or when applying in violation of all requirements Article 5: Service Provision The Company provides members with the following services: 1. AI-based natural language stock search and analysis service (utilizing third-party AI technology such as OpenAI) 2. DART disclosure information provision and AI summary service 3. Financial data inquiry and analysis service 4. Web search-based latest news and trend provision service 5. All other services that the Company additionally develops or provides to members through partnership agreements with other companies To provide AI services, the Company uses third-party services such as OpenAI (USA) and Tavily (USA), and members' query content is transmitted to those companies in real-time. This is essential for service provision, and members are deemed to have agreed to this by agreeing to the Terms of Service. The service is provided 24 hours a day, year-round, in principle. However, the Company may divide the service into certain ranges and specify the available time for each range separately, and in such cases, the content will be announced in advance. The Company may temporarily suspend the service for system maintenance, expansion, and replacement, and in such cases, it will be announced in advance within the service. However, if there are unavoidable reasons, it may be announced afterward. Article 6: Change and Suspension of Service The Company may change or suspend all or part of the service in the following cases: 1. When reasons such as maintenance, inspection, replacement or failure of service facilities, or disruption of communication occur 2. When service suspension, policy change, or technical failure of third-party AI providers (such as OpenAI) occurs 3. When normal service provision is impossible due to national emergencies, power outages, service facility failures, or service usage overload 4. When adding new features, improving or removing existing features When the Company intends to permanently suspend the service, it will announce it within the service at least 30 days in advance and will refund paid members on a pro-rata basis for the remaining period. Chapter 3: Obligations of Contracting Parties Article 7: Obligations of the Company The Company shall not engage in acts prohibited by relevant laws and these Terms or contrary to public order and morals, and shall make every effort to provide services continuously and stably. The Company shall have a security system in place to protect personal information so that members can safely use the service, and shall disclose and comply with the Privacy Policy. The Company shall not disclose or distribute members' personal information learned in relation to service provision to third parties without consent. However, exceptions are made when requested in accordance with procedures stipulated by law, such as when requested by relevant agencies for investigative purposes or when requested by the Korea Communications Standards Commission. Article 8: Obligations of Members Members shall not engage in the following acts: 1. Registering false content when applying or changing 2. Stealing others' information 3. Infringing on the intellectual property rights such as copyrights of the Company and other third parties 4. Acts that damage the reputation of or interfere with the business of the Company and other third parties 5. Acts of publicly disclosing or posting obscene or violent messages, images, sounds, or other information contrary to public order and morals on the service 6. Acts of using the service for commercial purposes without the Company's consent 7. Acts of illegally using the service using API crawling, automation tools, bots, etc. 8. Other illegal or unjust acts Members must comply with relevant laws, provisions of these Terms, precautions regarding use guidance and service, matters notified by the Company, and shall not engage in other acts that interfere with the Company's business. The Company may temporarily suspend service use or terminate the use agreement without prior notice if members violate the obligations of this Article. Chapter 4: Service Use Article 9: Service Fees and Payment The Company may provide free and paid services, and to use paid services, usage fees must be paid. Service fees and usage limits are as follows: 1. FREE Plan: ₩0 per month, 10 AI analyses provided per day 2. PRO Plan: ₩15,000 per month, 50 AI analyses provided per day 3. MAX Plan: ₩99,000 per month, 100 AI analyses provided per day 4. ENTERPRISE Plan: Separate negotiation, no usage limit The Company may change paid service fees and will announce in advance at least 7 days before the change. Usage calculation method is as follows: 1. 1 use: 1 AI analysis API call (based on SSE streaming start time) 2. Daily usage is automatically reset at midnight (00:00) based on Korea Standard Time (KST) 3. Usage is shared across all devices of the same account Article 10: Auto-Renewal and Cancellation PRO and MAX plan subscriptions are automatically renewed in 1-month (30-day) units from the initial payment date. Members may cancel auto-renewal at any time in [My Page > Subscription Management] within the service, and cancellation takes effect immediately. However, the current month's subscription period that has already been paid is maintained. Refunds for the remaining period upon subscription cancellation follow the refund policy in Article 11. Article 11: Withdrawal of Subscription and Refund Members may withdraw their subscription for purchased paid services within 7 days from the payment date. However, withdrawal of subscription is restricted under relevant laws such as the Act on Consumer Protection in Electronic Commerce in the following cases: 1. When AI analysis service has been used one or more times during the subscription period 2. However, withdrawal of subscription is possible when normal use was impossible due to service failure Refund amounts are processed as follows: 1. Non-use within withdrawal period (7 days): Full refund 2. Mid-term cancellation: (Payment amount ÷ 30 days) × Remaining days pro-rata refund 3. Refund fee: None Refund processing methods and periods are as follows: 1. Credit card/debit card: 2-7 days depending on card company settlement cycle after cancellation 2. Bank transfer: Deposit within 3 business days from refund request date 3. Refund processing is completed within 3 business days from refund request date Chapter 5: Information Provision and Copyright Article 12: Attribution of Copyright Copyright and intellectual property rights to the service belong to the Company. However, copyright to queries created by members while using the service belongs to those members. Copyright to responses generated by AI belongs to the Company, but the Company may use members' queries and conversation content only within the following limited scope: 1. Period of use: Retained after anonymization after membership withdrawal (removal of personal identification information) 2. Scope of use: Service improvement and AI model training data 3. Provision to third parties: Provided only in a form from which personal identification information has been removed for statistical and research purposes Members shall not use information obtained from using the service in which intellectual property rights belong to the Company for commercial purposes or allow third parties to use it by reproducing, transmitting, publishing, distributing, broadcasting, or other means without the Company's prior consent. Article 13: AI Service Related Notices The Company announces that the AI service it provides has the following technical characteristics and limitations. 1. Limitations of AI Technology - AI is a probabilistic language model and may generate information different from facts (hallucination phenomenon) - Information provided is generated by AI, and accuracy and reliability are not guaranteed - Latest information may not be reflected or there may be time lags 2. Use of Third-Party AI Services - The Company provides services utilizing AI technology from OpenAI (located in USA) - Members' query content is transmitted in real-time to OpenAI servers for processing - OpenAI's data processing policy follows OpenAI's terms of service, and the Company is not responsible for policy changes by third-party AI providers 3. Not Registered as Financial Investment Business - The Company is not a financial investment business operator (investment advisory business, investment discretion business) under the Financial Investment Services and Capital Markets Act - Information provided through the service is only investment reference material and should not be interpreted as investment solicitation or investment advice - The Company does not bear any legal responsibility for investment results Article 14: Investment-Related Disclaimer All information provided by the Company is investment reference material and should not be interpreted as investment solicitation or investment advice. All investment responsibility lies with the investor, and the Company does not bear any legal responsibility for investment results. Members should not rely solely on information received through the service as the basis for investment decisions, and are encouraged to cross-verify with other information and seek expert advice. Information provided from external data sources such as DART disclosures may have time lags and may not be real-time information. The Company is not responsible for service interruptions or information inaccuracies due to external data source failures or errors. Chapter 6: Damages and Disclaimer Article 15: Damages The Company shall not be liable for any damage to members related to services provided free of charge, except in cases where such damage is due to the Company's intent or gross negligence. In the case of paid services, the Company shall compensate for damages suffered by members due to the Company's intent or gross negligence up to the total amount of usage fees paid by members to the Company in the previous 3 months. However, the Company shall not be liable for compensation in the following cases: 1. Force majeure reasons such as natural disasters, war, terrorism, hacking attacks 2. Service suspension due to failure or policy change of third-party services (OpenAI, AWS, Nicepay, etc.) 3. Damage due to members' fault 4. Damage due to illegal acts by third parties Article 16: Disclaimer The Company is exempted from liability for service provision if it cannot provide services due to natural disasters or equivalent force majeure. The Company shall not be liable for service use failures due to members' fault. The Company shall not be liable for the reliability, accuracy, etc. of information, materials, and facts posted by members in relation to the service. The Company shall not be liable for damages caused to members in relation to service use that are due to members' intent or negligence. The Company is exempted from liability when members engage in transactions between themselves or between members and third parties through the service as a medium. The Company does not guarantee the accuracy, completeness, or timeliness of responses generated by third-party AI providers (such as OpenAI) and is not liable for damages caused by AI responses. Chapter 7: Other Article 17: Dispute Resolution Disputes related to these Terms follow the following procedures: 1. Amicable resolution through consultation between members and the Company takes priority 2. If consultation is not reached, mediation may be applied for at the Korea Consumer Agency or the Korean Commercial Arbitration Board 3. If not resolved through mediation, litigation may be filed with the court of competent jurisdiction under the Civil Procedure Act Article 18: Governing Law and Jurisdiction The laws of the Republic of Korea apply to the interpretation of these Terms and disputes between the Company and members. In the case of litigation arising from service use, it shall be filed with the court of competent jurisdiction under the Civil Procedure Act. Addendum These Terms take effect from November 7, 2025. Previous Terms (October 20, 2025) are replaced by these Terms.