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QQ Trade | CEO: Hong Mi-kyung | Business registration: 899-87-00639 | #910, Ace Techno Tower 10, 196 Gasan digital 1-ro, Geumcheon-gu, Seoul

Customer Support Hours: Weekdays: 10:00 AM–9:00 PM | Weekends & Public Holidays: 11:00 AM–7:00 PM (KST)

Excessive debt can cause severe financial hardship. Loan terms (limit, interest rate, term) may vary based on evaluation results. Requesting or receiving brokerage fees is illegal.

Important Notices

• Product Terms: Please read the product description and terms and conditions before entering into a contract. You have the right to receive a full explanation of the product under Article 19, Paragraph 1 of the Financial Consumer Protection Act. Please make sure you fully understand the details before proceeding. • Credit Score & Risk Impact: Using loan products or excessive borrowing may lower your credit rating or personal credit score, which can lead to restrictions or financial disadvantages. • Delinquency & Default: If you fail to pay interest or principal on time, or if the loan remains unpaid after maturity, you will incur overdue interest on the outstanding balance and may face credit penalties, such as being registered as a credit-managed individual. In default, you may be required to repay all principal and interest immediately prior to contract expiration. • Consumer Rights: - Right of Withdrawal: You may exercise your right to withdraw the loan contract within 14 days of signing. - Right to Request Rate Reduction: You may request an interest rate reduction if your personal credit score improves or your annual income increases. (Exclusions apply: group loans, deposit-collateralized loans, and policy fund loans such as Sunshine Loan). • Fees & Legal Compliance: Hanpass Financial Co., Ltd. and its loan originators charge no handling fees, brokerage fees, or extra charges of any kind. It is strictly illegal for loan planners to demand or accept fees under any pretext. Misconduct or failure to fulfill legal explanation duties resulting in loss will incur liability for damages. • Financial Service Entities: - Loan approval decisions and credit information management are handled by Hanpass Financial Co., Ltd. - QQ Trade Co., Ltd. acts as a loan brokerage agency; the right to conclude loan contracts belongs solely to Hanpass Financial Co., Ltd. • Inquiries: Loan limits and interest rates are determined based on Hanpass Financial Co., Ltd.'s screening criteria and your creditworthiness. For detailed inquiries, please refer to the product description or contact customer support at 1666-0146.

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