Refund Policy

1. General Principles

This Policy applies to paid consultations on the KORGOD (코갓) service operated by 다디비 ("Company") and follows the Korean Act on Consumer Protection in Electronic Commerce.

A consultation is a service that begins being delivered the moment it starts, so refund terms depend on how far it has progressed.

2. Full Refund

A full refund is issued in the following cases:

1. The User cancels before the consultation begins;

2. The consultation does not take place due to the Reader (no response, unilateral cancellation, etc.);

3. The consultation cannot begin due to a system failure on our side;

4. The Reader does not accept your request within 5 minutes of payment — refunded in full automatically, no request needed;

5. The Reader accepted but never responded, so the consultation did not actually take place — refunded in full if you contact support within 24 hours of acceptance.

3. Partial Refund

1. If a consultation is interrupted for reasons attributable to us (network failure, translation malfunction), we refund the amount corresponding to the remaining time.

2. If the User ends the consultation early for personal reasons, we refund the remaining time after deducting time actually used. No refund is available once more than two-thirds of the paid time has been used.

3. Unused consultation credit (remaining balance) may be refunded on request at any time.

4. Cases Where Refunds Are Not Available

Refunds are generally not available where:

1. The consultation was completed normally;

2. The reading did not match the User's expectations;

3. The reading later turned out to differ from real events — consultations are provided for reference and results are not guaranteed;

4. The consultation was terminated because the User violated Article 7 of the Terms (User Obligations);

5. The credit was granted free of charge (sign-up bonus, review reward, promotions) — it can be spent on consultations but cannot be refunded as cash;

6. The consultation fee or payment-request amount where the consultation was terminated or the account suspended for abuse, sexual harassment, obscene or unlawful content.

5. Refunds Due to AI Translation Errors

If translation errors made the consultation substantially incomprehensible, we will review the consultation records and issue a full or partial refund. Such claims must be submitted within 7 days after the consultation ends.

6. How to Request a Refund

1. Use the customer support chat in the app (Profile screen), call (1522-6905) or email (upskyup@naver.com).

Note: A request not yet accepted by the Reader can be cancelled directly in the chat, and is refunded in full automatically if not accepted within 5 minutes.

2. Please provide the consultation date and time, the Reader's name, and the reason for the refund.

3. We will inform you of the outcome within 3 business days of receiving your request.

7. Refund Processing Time

1. Refunds are, in principle, issued to the original payment method.

2. Credit card payments are processed as an authorization cancellation, which may take 3–5 business days depending on the card issuer.

3. Bank transfers are deposited within 3 business days from the date the refund is confirmed.

4. A paid top-up balance is refunded in full for the unused amount to the card you paid with; we do not deduct our payment-processing fees. If your card is billed in a currency other than USD, the amount credited may differ slightly from the amount paid because of the card issuer's exchange rate.

8. Dispute Resolution

If you disagree with a refund decision, you may raise the matter with customer support. If it cannot be resolved amicably, you may seek mediation from the Korea Consumer Agency (www.kca.go.kr, 1372) or another relevant body.