LifeHealer Refund Policy

Article 1 (Purpose)

This Refund Policy sets forth the matters concerning withdrawal of offer, refunds, and related consumer protection procedures for e-books and other digital content (collectively, the “Paid Services”) provided on “LifeHealer” (lifehealer.co, the “Site”) operated by Life Lab (인생연구소) (the “Company”).

This Refund Policy sets out the detailed implementation standards for the refund provisions of the Company's Terms of Service. If the Terms of Service and this Policy conflict, the provision more favorable to the Member prevails.

Article 2 (Applicable Laws)

This Refund Policy is based on the following laws and public notices.

• The Act on the Consumer Protection in Electronic Commerce (Korea) (전자상거래 등에서의 소비자보호에 관한 법률, the “E-Commerce Act”) and its Enforcement Decree
• The Act on the Regulation of Terms and Conditions
• The Content Industry Promotion Act and the Framework Act on the Promotion of Cultural Industries
• The Framework Act on Consumers and its Enforcement Decree
• The Standard Terms and Conditions for Electronic Commerce (Cyber Mall) published by the Korea Fair Trade Commission
• The Digital Content User Protection Guidelines and the Standard Terms and Conditions for Digital Content published by the Ministry of Science and ICT
• The Civil Act (regarding legal acts of minors, etc.)
• Other applicable laws and general commercial practice

Article 3 (Nature of the Products and Method of Delivery) ★ Must read

1. Nature of the products

The products sold on the Site are digital content under Article 2(5) of the Framework Act on the Promotion of Cultural Industries, namely “instantly delivered digital content (e-books)” for which a download link and viewing access are provided immediately upon completion of payment.

2. When provision begins ★

With respect to the interpretation of “where provision of digital content has begun” in Article 17(2)(5) of the E-Commerce Act, provision of the Company's e-books is deemed to have begun at the point when the Member actually downloads the file or begins viewing it in the viewer. Whether a download occurred is confirmed by the Company's download records.

In other words, because a download link is sent and account registration takes place immediately after payment in this Service, provision of the digital content is deemed to begin from the moment the Member actually starts downloading or viewing. If you have paid but have not yet downloaded, you may withdraw your offer within 7 days from the date of payment. Members are notified of this twice, on the product detail page and on the payment screen, before proceeding with payment, and may proceed with payment only after agreeing.

3. Consumer protection measures regarding restrictions on withdrawal

Under the proviso to Article 17(6) of the E-Commerce Act and Article 21-2 of its Enforcement Decree, the Company implements one or more of the following measures so that Members' exercise of the right of withdrawal is not hindered.

1. Provides a preview (partial disclosure of the text) on each e-book product detail page so that Members can check the content before purchase.
2. Where a preview is difficult to provide, provides sufficient key information about the digital content, such as a detailed table of contents, chapter summaries, total length (page count), target readers, author introduction, and sample sentences, on the detail page.
3. Clearly and conspicuously displays the grounds on which withdrawal is restricted on the product detail page and the payment screen.

Article 4 (Principles and Restrictions of Withdrawal)

1. Principle of withdrawal

Under Article 17(1) of the E-Commerce Act, a Member may withdraw an offer within 7 days from the date of receiving a written document (including an electronic document) on the contents of the purchase agreement for a Paid Service (or, if the Goods were supplied later than the document was received, from the date the Goods were supplied or their supply began).

2. Restrictions on withdrawal

Under Article 17(2) of the E-Commerce Act and Article 21 of its Enforcement Decree, a Member may not withdraw an offer against the Company's will in any of the following cases.

1. The Goods have been destroyed or damaged due to a cause attributable to the Member
2. The value of the Goods has significantly decreased due to the Member's use or partial consumption
3. The value of the Goods has significantly decreased over time to the extent that resale is difficult
4. The packaging of reproducible Goods (including DRM and access rights) has been damaged
5. Provision of services, or of digital content under Article 2(5) of the Framework Act on the Promotion of Cultural Industries, has begun
6. For Goods produced individually to the Member's order, where the Company notified the Member of that fact in advance and obtained the Member's written (including electronic document) consent

3. When withdrawal takes effect

Where a withdrawal is made in writing (including an electronic document), it takes effect on the date the written notice of withdrawal is sent.

Article 5 (Cases in Which Refunds Are Available)

In any of the following cases, the Member may receive a refund of the full amount paid.

1. Payment errors and causes attributable to the Company

1. Payment was completed normally, but no content was provided at all due to a Company system error (download link not sent, account registration failed, etc.)
2. The content file provided is corrupted or cannot be used normally due to a technical defect, and the Company fails to resolve it within a reasonable period
3. A duplicate or erroneous payment or other payment made contrary to the Member's intent, where the content has not been viewed

2. Discrepancy with representations or advertising, or non-performance

Under Article 17(3) of the E-Commerce Act, if the content differs materially from what was displayed or advertised or the agreement was performed differently from its terms, withdrawal and a refund are available within 3 months from the date the content was supplied, or within 30 days from the date the Member learned or could have learned of the fact. In this case, the Company bears the cost of return.

3. Payment by a minor without the consent of a legal guardian

Refund under Article 10 (Special Provisions on Payments and Refunds for Minors).

Article 6 (Cases in Which Refunds Are Restricted) ★ Must read

In any of the following cases, refunds for a simple change of mind are restricted.

1. Provision of the digital content has begun under Article 3(2) (when the Member has actually downloaded or begun viewing it, as confirmed by the Company's download records)
2. The packaging of a reproducible file (technical protection measures such as DRM, access rights, or watermarks) has been damaged
3. For set or package products, provision of any one of the included content items has begun
4. The withdrawal period set out in this Policy has expired
5. The content file has been destroyed or damaged due to a cause attributable to the Member
6. The service agreement has been terminated due to a violation of the Terms of Service
7. Other cases in which refunds are restricted under applicable laws or this Policy

However, even in the above cases, a refund is available where Article 5(2) (discrepancy with representations or advertising, or non-performance) applies.

Article 7 (How to Request a Refund)

Refund requests may be submitted through the following channels. For faster processing, we recommend contacting us through the KakaoTalk channel.

1. Refund request channels

2. Information to include in your request

Please include the following information when requesting a refund.

• Order number or payment date and time
• Purchaser's name and the email address entered at purchase
• Name of the product purchased
• Reason for the refund request
• Refund account information (not required for credit card payments, which are processed by cancelling the card authorization)

3. Requests received on weekends and public holidays

Refund requests received on weekends or public holidays are reviewed in order on the next business day. Delays in responding to requests received outside business hours do not affect the calculation of the refund processing period under Article 8 (the date of receipt is counted as the business day on which the request is actually reviewed).

Article 8 (Refund Processing Period and Method)

1. Processing period

The Company refunds within 3 business days from the date it receives the Member's notice of withdrawal (Article 18(2) of the E-Commerce Act).

2. Refund method

As a rule, refunds are made by the same method as the payment.

• Credit or debit card: the Company requests the payment provider without delay to suspend or cancel the charge (the final refund may take 3 – 7 business days depending on the card company's policy)
• Bank transfer or direct deposit: remittance to the refund account designated by the Member
• Easy payment services (Kakao Pay, Naver Pay, Toss Pay, etc.): refund to the original payment method according to the payment provider's policy

If a refund by the same method as the payment is not possible, the Company will notify the Member in advance and refund by another method.

3. Refund process

1. The Member submits a refund request (KakaoTalk channel or email)
2. Verification of the reason for the request and whether use has begun (takes 1 – 2 business days)
3. Notice of whether a refund is available and of the amount
4. Refund processed within 3 business days after the Member's confirmation

Article 9 (Late-Payment Interest for Delayed Refunds and Refund of Overpayments)

1. Late-payment interest

If the Company delays a refund without justifiable cause, it pays late-payment interest (delay damages) at 15% per annum for the period of delay under Article 18(2) of the E-Commerce Act and Article 21-3 of its Enforcement Decree.

2. Refund of overpayments

1. If an overpayment occurs, the Company refunds the full amount.
2. If the overpayment occurred due to a cause attributable to the Company, the Company refunds the full amount, including contract costs and fees.
3. If the overpayment occurred due to a cause attributable to the Member, the Member bears the actual cost of the refund within a reasonable scope.
4. The Company refunds within 3 business days from the date the ground for the refund of the overpayment arose, by the same method as the payment.

Article 10 (Special Provisions on Payments and Refunds for Minors)

1. If a minor under 19 years of age pays for a Paid Service without the consent of a legal guardian (such as a parent), the minor or the legal guardian may cancel the payment under Article 5 of the Civil Act (Korea), and the Company will refund the full amount paid.
2. However, cancellation is restricted under Articles 6 and 17 of the Civil Act in the following cases.
   1. The minor paid with property the legal guardian permitted the minor to dispose of within a specified scope (e.g., an allowance)
   2. The minor used deception to make the Company believe that the minor was an adult or that the legal guardian had consented
3. When a legal guardian requests a refund of a minor's payment, please submit the following documents through the refund request channels in Article 7 for identity verification and confirmation of the legal guardianship.
   • A copy of the legal guardian's ID
   • A family relation certificate or a certified copy of resident registration (to confirm the relationship with the minor)
   • Payment details (order number, payment date and time, amount, etc.)
   • A refund request letter (free format)
4. After verifying the submitted documents, the Company refunds within the period set out in Article 8.

Article 11 (Dispute Resolution and Jurisdiction)

1. Efforts to resolve disputes

The Company responds in good faith to reflect legitimate opinions and complaints raised by Members and to compensate for their damage, and gives top priority to an amicable resolution through consultation with the Member.

2. Dispute mediation bodies

If a dispute arises between the Company and a Member and is not resolved through consultation, the Member may apply for dispute mediation to the following bodies.

• Korea Consumer Agency, Consumer Dispute Mediation Committee (1372 without an area code, www.kca.go.kr)
• Electronic Commerce Dispute Mediation Committee (www.ecmc.or.kr)
• Korea Fair Trade Commission, 1372 Consumer Counseling Center

3. Jurisdiction

Lawsuits between the Company and a Member are subject to the exclusive jurisdiction of the district court having jurisdiction over the Member's address at the time of filing. If the Member has no address, the district court having jurisdiction over the Member's place of residence has exclusive jurisdiction. If the Member's address or place of residence is unclear at the time of filing, or the Member resides abroad, the lawsuit is filed with the competent court under the Civil Procedure Act (Korea).

4. Governing law

This Refund Policy and any lawsuit relating to refunds are governed by the laws of the Republic of Korea.

Article 12 (Amendment of the Policy)

1. The Company may amend this Refund Policy to the extent that doing so does not violate applicable laws.
2. When the Company amends this Policy, it will post the amendment on the Site from at least 7 days before the effective date, specifying the effective date and the reasons for the amendment. However, if the amendment is unfavorable to Members, the Company will give notice from at least 30 days before the effective date and will also notify Members individually through the electronic means they registered.
3. Agreements entered into before the amendment are governed by the Policy in effect before the amendment. If a Member expressly agrees to the application of the amended Policy, the amended Policy applies.

Addendum

This Refund Policy takes effect on April 18, 2026.

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