OnBinder
Terms of Service
Effective date: 2026-10-08
These terms govern the use of OnBinder (onbinder.com, the "Service") operated by CGWEB Inc. ("the Company"), including the rights and obligations of the Company and users.
Article 1 (Purpose and Operator)
The Service is operated by CGWEB Inc. (씨지웹주식회사), a company incorporated in the Republic of Korea. These terms apply to browsing content, using data files, and using the paid content API provided by the Service.
Article 2 (Definitions)
"Content" means articles published on the Service and data files derived from them (TXT/MD/JSON/JSON-LD, etc.). "API" means the paid content API that provides content programmatically, "Client" means an individual or entity that has applied to use the API, and "API key" means the API authentication credential. "Member" means a user who has registered with the Service via social login, "Content request" means a user's request for the creation of content on a specific topic, and "Revenue sharing" means paying a requesting member a portion of the advertising revenue from content published pursuant to their request.
Article 3 (Effect and Amendment of Terms)
These terms take effect upon posting on the Service. The Company may amend the terms within the bounds of applicable law, and will announce amendments on the Service at least 7 days before the effective date (30 days for changes unfavorable to users).
Article 4 (Service Description)
The Service provides (1) human-readable content pages, (2) machine-friendly data files and feeds free of charge, (3) a paid content API with API key authentication, (4) community features for members (likes and comments), content requests and the revenue share that follows, and (5) use of site features such as Fortune & Saju readings through the mobile apps (iOS/Android) the Company distributes. Much of the content is generated and translated automatically by AI (Article 19). The scope and conditions of free use follow the policy on the License page. The mobile apps use the same member account and credits as the web, and paid features inside the apps (credit top-ups) are purchased only through the app stores' in-app purchase.
Article 5 (API Keys and Accounts)
API keys are issued after email verification. Clients are responsible for keeping keys secure and may not share, transfer, or sell keys to third parties. If a key may be compromised, the Client must immediately request revocation and reissuance; usage made with a key is deemed usage by that Client.
Article 6 (Fees and Payment)
Fees for paid plans are posted on the API page. Fees for new sign-ups may increase according to the posted policy; while a subscription remains continuously active, the fee at sign-up is kept, and that benefit ends upon cancellation or a plan change. Payments are processed through the payment gateway (Toss Payments); for purchases through Paddle, Paddle acts as the Merchant of Record and handles sales, payment and taxes. Credit top-ups inside the mobile apps are processed through Apple App Store or Google Play in-app purchase, and payment, receipts and refunds follow that store's policies and procedures. The number of credits granted for an app purchase is the amount shown on the purchase screen and may differ from web payments because of store fees.
Article 7 (Content License and Intellectual Property)
Intellectual property rights in the Content belong to the Company or the rightful owners. Free use is subject to non-commercial and attribution conditions, and paid plans are subject to the posted commercial license conditions; details are posted on the License page.
Article 8 (Prohibited Conduct)
Users must not (1) share or resell API keys, (2) circumvent technical limits such as quotas and rate limits, (3) impose abnormal load on the Service, (4) mass-copy or redistribute Content beyond the license conditions, or (5) use the Service for unlawful purposes. Upon violation, the Company may restrict use or terminate the agreement after prior notice (or subsequent notice in urgent cases).
Article 9 (Changes and Suspension of the Service)
The Company may change or suspend all or part of the Service for operational or technical reasons with prior announcement. In urgent cases such as system failure, the announcement may be made afterwards.
Article 10 (Disclaimer and Limitation of Liability)
The Company does not warrant the accuracy, completeness, or fitness for a particular purpose of the Content, which is provided for reference. The Company is not liable for indirect or incidental damages except in cases of willful misconduct or gross negligence.
Article 11 (Termination and Refunds)
Clients may cancel paid plans at any time. Refunds follow the separately posted Refund Policy page. Refunds for credits bought through app store in-app purchase are requested from that store; when the store decides to refund, the Company reclaims the credits it granted (Refund Policy section 4).
Article 12 (Governing Law and Jurisdiction)
These terms are interpreted under the laws of the Republic of Korea, and disputes related to the Service shall be brought before the courts of competent jurisdiction under the Civil Procedure Act. If a translated version conflicts with the Korean version, the Korean version prevails.
Article 13 (Eligibility and Minors)
The paid API is intended for business and development use, and users must have the legal capacity to enter into a contract. A minor under 19 who wishes to use paid services involving payment needs the consent of a legal guardian; the minor or the guardian may cancel the contract as permitted by applicable law.
Article 14 (Force Majeure, Severability, Entire Agreement)
The Company is not liable for delay or failure of performance caused by events beyond its reasonable control, such as natural disasters, power outages, or failures of third-party services (telecom, payment providers, cloud, etc.). If any provision of these terms is held invalid, the remaining provisions remain in effect. These terms together with separately posted policies (License, Refund Policy, Privacy Policy, etc.) constitute the entire agreement regarding use of the Service.
Article 15 (Account Deletion and Re-registration Restriction)
Members may delete their account at any time from the settings screen; upon deletion, the account and activity such as likes and comments are removed immediately. However, Fortune & Saju readings are only unlinked from the account and remain without a name; to have them removed, delete them in My site records before deleting your account. In addition, to prevent abusive re-registration (nickname squatting, repeated deletion and sign-up, etc.), you may sign up again with the same social login account only after 30 days from the deletion date. During this period the Company retains only the minimum identifier needed to prevent re-registration (the login provider and a one-way hash of the account identifier), which is discarded once the period ends.
Article 16 (Member Registration and Accounts)
Some features (content requests, likes/comments, revenue sharing, etc.) are available after registering as a member via social login (Google, etc.). Members are responsible for registering with accurate information and managing their own accounts, and may not share, transfer, or sell accounts to others. If a member violates applicable laws or these terms, the Company may restrict use or suspend/terminate the account after prior notice (or subsequent notice in urgent cases).
Article 17 (Member Submissions and Content Requests)
Rights to content requests, comments, and other posts a member submits to the Service ("Member Submissions") belong to the member. However, the member grants the Company a non-exclusive, royalty-free license to use, reproduce, modify, publish, translate, and create derivative content from Member Submissions for the provision, operation, and promotion of the Service. The member warrants that submissions do not infringe the intellectual property, reputation, or other rights of third parties, and is responsible for any submission that is unlawful or infringes the rights of others. The Company may delete or hide, without prior notice, submissions that violate applicable laws or these terms or that are inappropriate. Content requests are approved based on topic suitability, operational policy, and resource availability; the Company does not guarantee approval, creation, or publication of any request.
Article 18 (Content Revenue Sharing)
The Company may share part of the advertising revenue earned by content published at a member's request with that member. The share is 70% of the advertising revenue attributed to that content, and a payout may be requested once the unpaid settleable balance reaches KRW 11,000 or more. The payout base is the settleable balance rounded down to the nearest KRW 10,000, and any remainder carries over to the next round. Tax is handled according to the member's status. (1) Individual members: the payout is business income, and under the Korean Income Tax Act the Company withholds income tax of 3% of the base plus local income tax of 10% of that amount (3.3% in total) and pays it to the tax authorities; a transfer fee of KRW 1,000 is also deducted (e.g. a base of KRW 10,000, less KRW 330 withheld and the KRW 1,000 fee, results in KRW 8,670 paid). The Company collects the member's resident registration number to withhold tax and file payment statements, and the withholding receipt is available on the member's page. (2) Business members: when the member issues a tax invoice naming the Company as the recipient, the Company pays the base plus 10% VAT with no transfer fee (e.g. a base of KRW 10,000 results in KRW 11,000 paid). VAT-exempt businesses and simplified taxpayers that cannot issue tax invoices are treated as individual members. Payouts are made only to Korean residents and to businesses registered in Korea. To request a payout a member must register a settlement account in the member's own name (for a business, in the representative's or the company's name) and the information needed for tax purposes, and warrants that those details are accurate and their own. Any additional tax or other disadvantage caused by inaccurate information is borne by the member. If applicable law changes tax rates or rules, the changed rules apply. Advertising revenue fluctuates with impressions, clicks, advertiser policies and other factors outside the Company's control, so no particular level of revenue is guaranteed. If revenue is generated by improper means or the revenue-share policy is abused, the Company may refuse to share that revenue or reclaim amounts already paid.
Article 19 (AI-Generated Content)
Much of the content on the Service is automatically generated and translated using artificial intelligence (AI) and may contain errors, inaccuracies, or outdated information. Content is provided for reference only; for matters requiring professional judgment such as medical, legal, financial, or tax advice, please consult a qualified expert in the relevant field. The Company does not warrant the accuracy, completeness, or fitness for a particular purpose of AI-generated content (see Article 10). Users who find errors may report them through the correction/improvement/feedback features.
Article 20 (Membership eligibility and age)
Membership is available only to those aged 14 or older. The Company does not provide the service to children under 14 and, on learning that such a child has registered, will terminate the account and destroy the collected personal data without delay. Use of paid services involving payment by minors is governed by Article 13.
Article 21 (If the service closes)
If the Company discontinues the service in its entirety, notice will be given on the service and by email at least 30 days before the closing date. For paid subscriptions still running at that point and for unused credits, the Company refunds an amount corresponding to the remaining value. Members may download the content and data they submitted up to the closing date, and any unpaid revenue share is settled and paid at closure even if it falls below the usual minimum payout threshold.
Article 22 (Reporting infringement and takedown)
Anyone who believes that content on the service infringes their copyright, trademark, reputation or other rights may request a takedown through the enquiry page, providing (1) the reporter's name and contact details, (2) the address of the content in question and (3) the grounds for the claim together with material supporting their rights. The Company will review the report without delay, remove or block access to the content where necessary, and inform the reporter of the outcome. The content publisher may object, and the Company decides on restoration after reviewing both parties' submissions.
Article 23 (Advertising and affiliate links)
The service carries third-party advertising such as Google AdSense, and some content may contain affiliate marketing links (for example Coupang Partners). When a purchase is made through an affiliate link, the Company receives a commission from the seller, and that content is labeled so users can easily recognize it. The terms, shipping and refunds of products reached through affiliate links follow the seller's policies, and the Company is not a party to those transactions. The mobile apps carry Google AdMob advertising; when the advertising provider notifies the Company that a user watched a rewarded ad to the end, the Company may grant the reward it has set (credits or additional free readings). The kind, amount and daily limit of rewards are set by the Company and shown in the app, and rewards earned by abnormal means may be reclaimed.
Operator: CGWEB Inc. (씨지웹주식회사) · Website: onbinder.com · Contact: please use the contact page.
- Company
- 씨지웹주식회사
- Representative
- 신익희
- Address
- 경기도 안양시 동안구 시민대로 230 (평촌아크로타워)
- Phone
- 0505-740-0505
- [email protected]
- Business registration no.
- 123-86-31154