Refund & Cancellation Policy

Unmyung Baekgwa is a service operated from the Republic of Korea by Monster. This policy is based on the Republic of Korea’s Act on Consumer Protection in Electronic Commerce. This English version is provided for your convenience.

The Paid Content of “Unmyung Baekgwa” (the full Report, at the price shown at checkout) is digital content that is generated and delivered immediately upon order. Under the Act on Consumer Protection in Electronic Commerce, the standards for withdrawal of subscription and refunds are set out below.

1. Before the Report Is Generated or Viewed — Full Refund

If, after payment, the Report has not yet been generated or has not been viewed, you may cancel the payment and receive a full refund. Please contact our support channel and we will process it.

2. After the Report Is Generated or Viewed — Withdrawal Limited

Due to the nature of digital content, once the Report has been generated and provided (viewed), its value is realized immediately, so withdrawal of subscription is limited in principle. The Company clearly notifies you of this fact before payment.

However, in the cases below a refund or re-issue is possible regardless of whether the Report has been generated or viewed.

3. Cases Where a Refund or Re-issue Is Possible

• The Report provided differs significantly from what was described or advertised, or has a material defect.
• The Report was not generated or provided properly due to a system error or failure.
• There is a clear error in the payment process, such as a duplicate payment.

Where the above applies, the Company will consult with the user and process it by the method the user chooses — either a full refund or a re-issue of a proper Report.

4. How to Request a Refund and Processing Time

• Request: email us at [email protected] or call 010-2295-6666 with your payment details and the reason.
• Processing time: once the reason is confirmed, we process the refund within 3 business days.
• Method: refunds are made to the original payment method in principle; card cancellations may take additional time depending on the card issuer.

5. Dispute Resolution

If a dispute regarding a refund is not resolved amicably between the user and the Company, the user may apply for dispute mediation to the Korea Consumer Agency, the Electronic Commerce Dispute Mediation Committee, or similar bodies.

Matters not specified in this policy follow the Act on Consumer Protection in Electronic Commerce, related laws, and the Consumer Dispute Resolution Standards.