Terms of Service

These terms are intended to define the conditions and procedures for using the GritBD Hub service provided by BallalinBiz Inc. (hereinafter 'the Company'), as well as the rights, obligations, and responsibilities of the Company and users.

Paragraph 1'Service' means business assessments, BD professional competency assessments, provision of assessment results and reports, content viewing, community, program applications, and other related functions provided by the Company through GritBD Hub.

Paragraph 2'Users' means members and non-members who use the service provided by the Company in accordance with these terms.

Paragraph 3'Members' means persons who sign up for the service, create an account, and use the service.

Paragraph 4'Paid services' means assessments, reports, and other paid functions that users use by paying a fee.

Paragraph 1The Company posts these terms within the service so that users can review their contents.

Paragraph 2The Company may amend these terms to the extent that it does not violate applicable laws. When amending the terms, the Company will specify the effective date and reason for the amendment and, in principle, provide notice at least 7 days before the effective date. For changes that are unfavorable or material to users, the Company will, in principle, provide notice at least 30 days before the effective date.

Paragraph 3Users who do not agree to the amended terms may stop using the service and request account deletion. The application of amended terms and users' rights are governed by applicable laws.

Paragraph 1The Company provides the following services.

1. 1.
   BD professional competency assessments and business-related assessment services
2. 2.
   Analysis of assessment results and provision of reports
3. 3.
   Provision of business development (BD) related content and information
4. 4.
   Lounge, community, and networking functions
5. 5.
   Information about programs and support services and application functions
6. 6.
   Other services added or separately designated by the Company

Paragraph 2The Company may add or change part or all of the service, and will notify users of material changes through service announcements.

Paragraph 1Sign up is completed when a user applies for membership according to the procedures established by the Company and the Company approves the application. The Company may reject membership applications or restrict use after the fact in accordance with applicable laws and operating policies.

Paragraph 2Members must manage their account information so that it remains accurate and up to date. Members must not transfer or share account information with others, except as permitted by applicable laws.

Paragraph 3If account theft, unauthorized use, or security issues occur, members must notify the Company without delay.

Paragraph 1Members may request account deletion through the procedures provided within the service or by the method indicated by the Company.

Paragraph 2If a user violates laws, these terms, or operating policies, the Company may take measures such as advance notice, requests for correction, service use restrictions, or suspension of membership, depending on the severity and urgency of the violation.

Paragraph 3Even after account deletion, information that must be retained under applicable laws may be stored for the period specified by such laws.

Paragraph 1Users must not engage in the following conduct when using the service.

1. 1.
   Signing up or using the service with false information or another person's information
2. 2.
   Using or collecting another person's account or personal information without authorization
3. 3.
   Interfering with the normal operation of the service or causing a load on the system
4. 4.
   Exploiting vulnerabilities in the service or accessing data by abnormal means
5. 5.
   Collecting, copying, or distributing content or data from the service in large quantities without the Company's prior permission
6. 6.
   Infringing on the intellectual property rights, personal information, or other rights of others
7. 7.
   Violating laws or public order and morals

Paragraph 2The Company may take necessary measures if any of the above actions are confirmed or reasonably suspected.

Paragraph 1Copyrights and intellectual property rights to the Service and content provided by the Company belong to the Company or the rightful owner.

Paragraph 2Rights to content posted or submitted by users to the Service belong in principle to the respective user. However, users grant the Company permission to use such content to the extent necessary for operating, providing, maintaining, and improving the Service. Specific scope and conditions of use shall be governed by applicable laws and separate consent.

Paragraph 3Users must not post content that infringes on the rights of others. If a report of rights infringement is received, the Company may take necessary measures in accordance with applicable laws and operating policies.

Paragraph 1The Company may provide assessments, analyses, recommendations, and reports using AI technology based on information entered or submitted by users.

Paragraph 2AI-based results may differ from actual circumstances depending on input information, data quality, model characteristics, and other factors, and are provided as reference material.

Paragraph 3Users must conduct their own necessary review and verification before using AI-based results for important business, legal, or financial decisions. Such results do not constitute professional advice or a guarantee of specific outcomes unless otherwise expressly agreed.

Paragraph 4The Company may change features and analysis methods to improve service quality and accuracy, and matters related to the processing of personal information shall be governed by the Privacy Policy.

Paragraph 1Paid Services and Payment

1. 1.
   The Company may provide paid services such as assessments, content, and online and offline programs. The content, pricing, terms of provision, and refund conditions of services shall be governed by the information displayed on the purchase screen or separately provided.
2. 2.
   Users must verify the content and pricing of services before purchase, and after payment approval, the Company shall provide services according to the conditions displayed on the purchase screen.
3. 3.
   Payments may be processed through payment service providers designated by the Company, including Toss Payments Inc. Available payment methods and payment conditions are displayed on the payment screen.
4. 4.
   Payment approval, order status verification, and payment error handling are conducted based on the processing results of the payment service provider and the Company's order information. If payment failure, duplicate payment, or order status discrepancy occurs, the Company shall take necessary measures after verification.
5. 5.
   Cancellations and refunds are processed according to whether services have been provided, the delivery status of digital content, conditions disclosed at the time of purchase, and applicable laws. These Terms do not limit users' rights guaranteed by applicable laws.
6. 6.
   If an assessment report has been provided, eligibility and scope for refunds shall be determined according to the content of services actually provided, delivery status, and applicable laws. The mere fact that delivery of digital content has begun does not automatically exclude rights such as withdrawal of offer recognized under applicable laws.
7. 7.
   Refunds are processed in principle through the original payment method, and the actual refund completion time may vary depending on the payment service provider's policies and processing procedures.
8. 8.
   The Company may process information necessary for payment processing, including order number, payment identification information, payment amount, payment date and time, payment status, and cancellation/refund processing information. Specific details of items processed and retention periods shall be governed by the Privacy Policy.
9. 9.
   Paid services are divided into single-session programs and multi-session programs consisting of two or more sessions, and the Company provides the schedule, total number of sessions, fees, and refund criteria on the application page.

Paragraph 2Cancellation of Program Applications and Refunds

1. 1.
   This paragraph applies to online and offline programs provided by the Company for a fee. Programs are divided into single-session programs and multi-session programs consisting of two or more sessions, and the Company provides the schedule, total number of sessions, fees, and refund criteria on the application page.
2. 2.
   Users may request cancellation of an application and a refund through the application cancellation function on the website or through the customer inquiry channel designated by the Company. The reference time for refunds is the time the cancellation request reaches the Company, not the time it is confirmed or answered by staff.
3. 3.
   If a user cancels an application for personal reasons, refunds are made according to the following criteria.

   1. a.Before the program starts: the full amount actually paid is refunded. For multi-session programs, the start time is the scheduled start time of the first session.
   2. b.After the program starts: the balance remaining after deducting the amount corresponding to the portion provided up to the time the cancellation request is received is refunded from the amount actually paid.
   3. c.After the entire program has ended: no refunds are made for a simple change of mind or personal reasons. However, rights to withdraw an offer, cancel a contract, or claim damages under applicable laws are not restricted.
4. 4.
   The refund amount under item 3 is calculated according to the following criteria.

   1. a.If the amount for each session is the same, the amount actually paid divided by the total number of sessions is applied as the amount for each session.
   2. b.If the amount for each session differs, the per-session amount disclosed before payment is applied. If a discount was applied to the total payment amount, the same discount rate is reflected in each session.
   3. c.If a cancellation request is received while a session is in progress, the amount for that session is calculated in proportion to the time elapsed up to the time of receipt out of the total scheduled duration.
   4. d.Refunds are not recalculated at the regular pre-discount price, and no costs not disclosed in advance or separate cancellation penalties are deducted.
5. 5.
   If the Company provides a program normally according to the schedule and content disclosed in advance but the user is absent or late for personal reasons, that portion is deemed to have been provided. However, portions not provided after the cancellation request is received are not treated as absences, and this item does not apply if the user could not participate due to reasons attributable to the Company.
6. 6.
   If a program is canceled or suspended due to the Company's circumstances, the full amount actually paid is refunded before the start, and the amount corresponding to the portion not provided is refunded after the start. If the Company changes the schedule, venue, format, or main content, it will notify users in advance, and if a user requests cancellation because they do not agree to the change, the amount for the portion that could not be used due to the change and any subsequent portion not provided is refunded. Additional refunds or liability for damages under applicable laws apply separately.
7. 7.
   The Company will inform the user of the refund amount and its calculation within 3 business days from the date the refund request is received and, in principle, will refund through the original payment method or request cancellation of the payment. If a refund must be made by another method due to the nature of the payment method, the Company will consult with the user, and the actual processing schedule of the payment institution will be provided separately. If applicable laws set a starting date or deadline for refunds, the Company will comply with that standard.
8. 8.
   This paragraph does not restrict users' rights to withdraw an offer or terminate a contract under applicable laws. If applicable laws provide separate mandatory refund standards or a standard more favorable to users than this paragraph applies, that standard shall govern.

Paragraph 1The Company may modify or temporarily suspend all or part of the service in the event of service improvements, system maintenance, equipment failures, communication failures, operational necessity, or other unavoidable circumstances.

Paragraph 2The Company will provide advance notice to the extent possible when a service modification or suspension is scheduled. However, in the event of an urgent failure or unavoidable circumstances, notice may be provided after the fact.

Paragraph 3The Company shall not be liable for service interruptions due to force majeure, except where liability is recognized under applicable laws and regulations.

Paragraph 1The Company processes users' personal information in accordance with applicable laws and regulations, and matters concerning the collection, use, storage, and destruction of personal information and the exercise of users' rights shall be governed by the Privacy Policy.

Paragraph 2Users must review the Privacy Policy and confirm the notices regarding personal information processing necessary for using the service.

Paragraph 3The Privacy Policy may be modified in accordance with applicable laws and regulations or service operating conditions, and any modifications will be announced according to the procedures established by the Company.

Paragraph 1The Company does not guarantee the completeness, accuracy, timeliness, or suitability for a particular purpose of the information and analysis results provided in the service, to the extent permitted by applicable laws and regulations.

Paragraph 2The Company shall not be liable, to the extent permitted by applicable laws and regulations, for damages arising from causes attributable to the user, errors in information provided by the user, or the user's judgment regarding service usage results.

Paragraph 3This article does not exempt the Company from liability arising from its intentional or gross negligence, or liability that cannot be limited under applicable laws and regulations.

Paragraph 1If the Company or a user violates these Terms and causes damage to the other party, the responsible party must compensate for such damage in accordance with applicable laws and regulations.

Paragraph 2In the event of a dispute arising in connection with the use of the service, the Company and the user shall consult in good faith for an amicable resolution.

Paragraph 3Disputes not resolved through consultation shall be governed by the laws of the Republic of Korea, and the competent court shall be determined in accordance with applicable laws and regulations.

Paragraph 1For assessments, consulting, education, and programs (hereinafter 'contract services') provided pursuant to contracts or agreements (hereinafter 'individual contracts') entered into by the Company with public institutions, universities, businesses, and others, the terms set forth in such individual contracts shall take precedence over these Terms.

Paragraph 2If the following matters are specified in an individual contract for contract services, such individual contract shall govern.

1. 1.
   Scope of service provision, terms of use, and fees
2. 2.
   Scope of use of materials and content submitted by users
3. 3.
   Method of providing AI-based assessment and analysis results
4. 4.
   Retention period of submitted materials and analysis results, and return or destruction after contract termination

Paragraph 3The Company shall use materials submitted by users in contract services only within the scope of purposes specified in the individual contract and, unless otherwise specified in the individual contract, shall not use them for training and fine-tuning of AI models.

Paragraph 4Matters not specified in an individual contract shall be governed by these Terms. Even if the content of an individual contract differs from these Terms, users' rights guaranteed by applicable laws and regulations shall not be restricted.

Paragraph 5Key terms applicable to contract service participants will be announced through participation notices for the relevant service or separate notifications.

The service operator and contact information are as follows.

1. 1.
   Company name: BallalinBiz Inc.
2. 2.
   Representative: Hong Seok-won
3. 3.
   Address: Room 608, Dongtan 2 Incubating Center, 57 Dongtan Cheomdan-saneop 1-ro, Hwaseong-si, Gyeonggi-do, Republic of Korea
4. 4.
   Business registration number (Korea): 551-87-02851
5. 5.
   Mail-order sales registration number: 2026-화성동탄-1306
6. 6.
   Customer inquiries: info@gritbd.ai
7. 7.
   Rights infringement reports: admin@gritbd.ai

These Terms shall be effective from December 4, 2026.

Revision History

1. 1.
   October 21, 2026 announcement (effective November 21, 2026)
2. 2.
   October 22, 2026 correction (effective November 21, 2026): Japanese version wording revised (no changes to the terms)
3. 3.
   November 4, 2026 announcement (effective December 4, 2026): Article 10 revised (scope and classification of paid services revised, Paragraph 2 Cancellation of Program Applications and Refunds added), article and paragraph numbering format updated