Terms of Service

Article 1 (Purpose)

The purpose of these Terms is to set forth the conditions and procedures for using the language-learning service (hereinafter the “Service”) provided by LOING (hereinafter the “Company”), the rights, obligations, and responsibilities of the Company and the user, and other necessary matters.

Article 2 (Definitions)

1. “Service” means the AI-based multilingual learning platform and all related services provided by the Company.
2. “User” means a member or non-member who uses the Service in accordance with these Terms.
3. “Member” means a person who has signed up for the Service and registered an account.
4. “Content” means all information provided within the Service, including learning questions, audio, images, avatars, and the Nogli character.
5. “Paid Service” means services provided by the Company for a fee, such as subscriptions and item purchases.
6. “Clothes” and “Accessories” mean digital items that are worn by or attached to an avatar.
7. “Stars” means in-Service points that members earn through learning activities and that may be used only for stationery under Article 8-4.
8. “Clubhouse” means an in-Service space that members create or join to study with other members (formerly a “Group”); the member who created it is the “Host” and members who joined are “Members.”
9. “Note” means a message of encouragement that a member leaves, using chosen stationery, on another member's or a Nogli's board (guestbook).
10. “Study Buddy” means a feature in which two members automatically paired by the Company exchange predefined cheers.

Article 3 (Company Information)

Article 4 (Effect and Amendment of the Terms)

1. These Terms take effect when they are posted on the Service screen or otherwise announced to users.
2. The Company may amend these Terms within the scope that does not violate applicable laws, and the amended Terms shall be announced from 7 days before the effective date. However, in the case of material changes unfavorable to users, they shall be announced from 30 days before the effective date.
3. If a user does not agree to the amended Terms, the user may discontinue use of the Service and withdraw.

Article 5 (Service Use Agreement)

1. The use agreement is concluded when the user agrees to the Terms and completes registration.
2. Only persons aged 14 or older may sign up for the Service. If it is confirmed that a user is under the age of 14, the Company may terminate the use agreement and destroy the related personal information without delay.
3. The Company may refuse registration or restrict use in any of the following cases:
   • Where the user registered using another person's information
   • Where the user intentionally interfered with the operation of the Service
   • Where the user engaged in conduct that violates applicable laws

Article 6 (Provision and Modification of the Service)

1. The Company provides the following services:
   • Provision of AI-based, adaptive-difficulty language-learning questions
   • Nogli character-raising system
   • Learning content based on actual native-speaker utterances
   • Study-friend and social features
   • Avatar customization (clothes, accessories, personality)
   • Social features such as Clubhouses, notes, study buddies and visiting friends' villages
   • Home-screen widget
2. The Company may modify the contents of the Service, and material changes shall be announced in advance.

Article 7 (Membership Withdrawal and Account Deletion)

1. A member may delete (withdraw) their account at any time. Methods of deletion:
   • In the app: [Profile > Settings > Delete account]
   • On the web: Account deletion request page
2. Upon account deletion, the following data is permanently deleted:
   • Profile information (email, nickname, profile picture, etc.)
   • Learning records and progress
   • Nogli character data
   • Follower/following relationships
   • Avatar wardrobe, accessories and personality
   • Star wallet and Star records
   • Study-buddy pairing and Clubhouse membership (Clubhouses you host are closed)
3. However, information that must be retained under applicable laws shall be stored separately for the relevant period and then deleted (see Article 3 of the Privacy Policy).
4. Notes written by a deleted member and notes on that member's board are hidden immediately and deleted after 7 days. If a report is received during that period or is being handled, the note is kept until the report is resolved.
5. A deleted account cannot be recovered.

Article 8 (Paid Services and Payment)

1. The content, fees, billing cycle, and payment method of a Paid Service (hereinafter a “Subscription”) are displayed on the purchase screen. In-app purchases are made through the Apple App Store or Google Play (each, an “App Market”), and the terms of use and policies of the relevant App Market also apply to payment, cancellation, and refunds.
2. Unless the user cancels it, a Subscription automatically renews for the same period and at the same price, and each renewal is charged to the payment method the user has registered with the App Market. If the Company raises the Subscription fee or converts free use into paid use, the Company shall notify users in advance and obtain their consent in accordance with applicable laws.
3. A user may cancel a Subscription at any time on the subscription management screen of the App Market. Cancellation takes effect from the next billing date, and the user may continue to use the Subscription benefits until the end of the period already paid for. A user who does not wish to be charged again must cancel at least 24 hours before the renewal date.
4. A user may withdraw a purchase within 7 days from the date of payment if the user has not used the Subscription benefits. However, withdrawal is restricted in the cases set forth in the subparagraphs of Article 17(2) of the Act on Consumer Protection in Electronic Commerce (Korea), such as where the user has started using the Subscription benefits. The Company indicates on the purchase screen that withdrawal is restricted, and provides free features through which users can try the Service in advance.
5. Notwithstanding paragraph 4, if the content of a Subscription differs from what was displayed or advertised, or the Subscription is performed differently from the contract, the user may withdraw the purchase within 3 months from the date on which the Subscription benefits were provided, or within 30 days from the date on which the user became aware, or could have become aware, of such fact.
6. Withdrawals and refunds are processed through the refund procedure of the App Market that processed the payment. For payments made through the Apple App Store, the user must request a refund directly from Apple, and the Company supports refunds to the extent it is able to process them under the App Market's policies. Once a refund is completed, the Subscription benefits provided for that payment are revoked.
7. For consumable content such as diamonds and energy, withdrawal is restricted for the portion already used.
8. If a user is unable to use a Paid Service for reasons attributable to the Company, the Company shall take necessary measures, such as extending the period of use or issuing a refund, in accordance with applicable laws and the Content User Protection Guidelines (Korea).

Article 8-2 (Diamonds and Randomized Items)

1. “Diamonds” are Service currency classified as free Diamonds provided through advertisements or rewards and paid Diamonds arising from paid-service benefits. Existing free Diamond balances remain free at launch; Diamonds converted from Pro energy rewards after launch are classified as paid. However, in the countries specified in Article 8-4(5), Pro energy rewards are converted into Stars instead of Diamonds. Diamonds and draw tickets are not sold directly in this release. Required amounts and payment sources are shown on the use screen.
2. Face Draw and Hair Draw randomly select from the disclosed candidates and immediately replace the current face or hair style and color. There is no inventory for keeping results or function for restoring a previous appearance. Composing and displaying the profile image may take processing time.
3. Skin tone may be changed free of charge at any time. Free selection of hair style and color is available only once per account; subsequent changes, including color-only changes, require a Hair Draw. The first Face Draw is free once per account. Unused initial free benefits remain available if setup is skipped.
4. Face Draws consume the first free draw, usable Face Draw Tickets, free Diamonds, and paid Diamonds only for any shortfall, in that order. Hair Draws use free Diamonds first and paid Diamonds only for any shortfall. Face Draw Tickets cannot be used for Hair Draws. If eligibility or balances are insufficient, the draw does not proceed and no partial charge is made.
5. Candidate, tier, and hair-color probabilities, the 10-draw guarantee, current-appearance exclusions, resulting effective probabilities, and changes are disclosed on the Avatar Draw Probabilities page and in the app probability information. Draws use cryptographically secure server-side randomness.
6. Guarantee counts are tracked separately for Face Draw, Bode’s Hair Draw, and Shushu’s Hair Draw. Within at most 10 draws in each pool, a face of Rare tier or higher or a Special hair result is guaranteed. Obtaining a qualifying result restarts that pool’s count. Free Face Draws and ticket draws count, and accumulated counts persist across seasons, pool versions, and devices.
7. The current face is excluded from face candidates, and the exact current hair-style-and-color combination is excluded from the relevant hair candidates. The same hair style in another color or another style in the same color can appear. Probabilities are redistributed within the affected tier; no exclusion applies if the current appearance is outside that pool. Calculations and guaranteed-draw probabilities are available on the public probability page.
8. Changes to probabilities, candidates, colors, guarantee rules, or exclusion rules are announced in the app and on the public probability page at least 7 days (168 hours) before taking effect. At initial launch, notice accompanies publication of the probability tables. Seasons change at 00:00 on the first day of each month in Asia/Seoul time. An appearance currently in use remains usable after its season ends.
9. Use of paid Diamonds and tickets from paid sources may be restricted in certain countries or regions. Restrictions use the app-reported store country supplied by the payment platform, rather than nationality, IP address, or language. Paid sources cannot be used if the store country cannot be confirmed or is not current. Applicable regions and available sources are shown on the use screen. Moving countries does not itself remove balances.
10. A draw is consumable digital content applied immediately upon execution. Disliking a result alone does not entitle the user to a refund of consumed currency or tickets or restoration of the previous appearance. Withdrawal for the portion already supplied may be restricted to the extent permitted by applicable law. Statutory withdrawal, refund, and remedy rights, including where supply differs from advertising or the contract or the Company is at fault, remain unaffected. Inquiries and refunds are handled under Article 8 and applicable app-market procedures.
11. Existing “Avatar Creation Tickets” are renamed “Face Draw Tickets,” with remaining quantities preserved. An app version supporting the new Face and Hair Draws is required to use them.

Article 8-3 (Clothes, Accessories and Avatar Customization)

1. Clothes (tops, bottoms, one-pieces and shoes) are kept in a wardrobe of up to 100 slots, and members may own more than one of the same item. Members may choose any of the three colors of the default outfit free of charge at any time.
2. The shop sells default clothes for Diamonds. The display changes every Monday at 00:00 Korea time (Asia/Seoul), and default clothes on sale can be bought at any time from “View all.” Seasonal clothes are not sold in the shop and can be obtained through seasonal outfit draws, combining or event rewards.
3. A seasonal outfit draw is a service that determines, according to probability, one item from that month's seasonal candidates for the category chosen by the member and adds it to the wardrobe. If the same item is drawn again, one more of it is added. The draw does not proceed if the wardrobe has no free slot.
4. An accessory draw is a change service that redraws the accessories in three slots (head; eyes and face; neck and ears) at once. Each slot becomes empty or receives an accessory according to its tier (common, rare or legend), and once the result is shown all three slots, including any slot the member liked, are replaced by the new result. If all three slots are empty, the head slot is drawn again, and an accessory of rare tier or higher is guaranteed within at most 10 draws. Accessories can be hidden.
5. Some accessories become candidates only for members who meet learning conditions such as best study streak, days studied in the last 365 days or challenge tier. Because probability is then shared within the same slot and tier, the per-accessory probability may differ between members. The app shows the probabilities reflecting the member's own conditions, and the avatar draw probability page publishes the base probabilities and the probabilities for each condition. Conditions are evaluated at the time the draw is made.
6. Accessory draws use an accessory draw ticket or Diamonds. An accessory draw ticket can be chosen instead of a face draw ticket as a weekly Nogli reward and cannot be changed after it is received. The Diamond spending order (free Diamonds first), publication of probabilities and guarantees and notice of changes, the drawing method and record retention follow Article 8-2(4), (5) and (8) and the Privacy Policy, and the same applies to seasonal outfit draws and combining.
7. Clothes obtained by shop purchase, draws or combining can be sold, and each item refunds a set value (30% of its value when obtained) as free Diamonds. Clothes obtained with paid Diamonds are also refunded as free Diamonds. Clothes received as rewards or through events cannot be sold and can only be discarded, and the last item being worn cannot be sold or discarded. A sale cannot be undone, and seasonal clothes may not be obtainable again.
8. Combining is a service in which three items of the same value class are put in to obtain one item with the same probabilities as that month's seasonal outfit draw for that category. The items put in disappear, and combining is unavailable if there are no seasonal candidates for that category in that month. Clothes received as rewards or through events cannot be put in.
9. The restriction on paid sources in Article 8-2(9) also applies to seasonal outfit draws, accessory draws and combining. In restricted regions, paid Diamonds and paid-source tickets cannot be used, and clothes obtained with paid Diamonds cannot be put into combining.
10. Reward clothes that could not be received because the wardrobe was full are kept in the gift box for 30 days and disappear after that period.
11. Personality can be changed free of charge at any time. For the feature that shows recently learned sentences in an avatar speech bubble, members can set the visibility (Clubhouse and mutual followers, Clubhouse only, or off) in settings.
12. Clothing purchases, seasonal outfit draws, accessory draws and combining are uses of consumable digital content applied immediately upon execution, and withdrawal of subscription, refunds and remedies follow Article 8-2(10).

Article 8-4 (Stars and Stationery)

1. Except for the Pro Stars in paragraph 5, Stars are in-Service points earned only through learning activities such as correct answers and goal completion, and there is a daily limit on how many can be earned. How to earn Stars and the limit are shown on the use screen.
2. Stars cannot be exchanged for cash, Diamonds or other currency, and cannot be sold, transferred or gifted; they are used only to choose stationery.
3. Stars are free points that are not sold for a fee; they expire upon account deletion or termination of the Service and are not subject to refund or compensation.
4. Members can use Stars to choose stationery and leave notes on the boards of friends, Clubhouse members or Noglis. When Diamond-bonus stationery of 20 Stars or more is sent with regular Stars, the recipient may receive free Diamonds, in the amount shown on the stationery screen. Notes sent to Noglis and notes sent with Pro Stars carry no bonus. Notes, stationery and bonuses cannot be exchanged for cash. Some stationery is offered for a limited period and cannot be chosen after that period ends (notes already sent remain). A note sent on the default stationery to a mutual follower may carry an energy gift, subject to the daily limits on energy gifts.
5. For members whose store payment country is Belgium or Brazil, the energy-reward conversion among Pro benefits is granted as Stars (“Pro Stars”) instead of Diamonds. The country is determined by the payment country of the active subscription as reported by the payment platform. Pro Stars cannot be used for Diamond-bonus stationery and are used before regular Stars for other stationery.
6. If Stars or Diamond bonuses are obtained by fraudulent means, the Company may reclaim them or restrict use.

Article 9 (Notice Regarding the Use of AI Technology and Content Generation)

1. This Service uses artificial intelligence technology (generative AI) in accordance with the Framework Act on AI Development and Trust (Korea) to provide the following features:
   • Generation of learning passages and questions
   • Automatic adjustment of learning difficulty
   • Speech synthesis (TTS)
   • Generation of learning feedback and explanations
2. AI-generated learning content is provided after review by professional editors, but it may contain errors, and the Company does not guarantee the complete accuracy of AI-generated content.
3. AI-generated content is marked as such.
4. Users have the right to request an explanation of, or to object to, AI-based automated decision-making (such as learning-difficulty adjustment and content recommendation).
5. If a user discovers an error in AI-generated content, the user may report it through the in-app reporting feature or via support@loing.app, and the Company shall promptly review and reflect such reports.
6. The Company does not use users' personal information for training AI models.

Article 10 (Obligations of Users)

1. Users shall comply with applicable laws and the provisions of these Terms when using the Service.
2. Users shall not engage in the following conduct:
   • Collecting, storing, or disclosing another person's personal information
   • Using the Service for commercial purposes
   • Interfering with the operation of the Service or impairing its stability
   • Reproducing, distributing, or modifying Content without authorization

Article 11 (Management of Posts and Reporting of Rights Infringements)

1. Users are responsible for the nicknames, self-introductions, Clubhouse (group) names, notes (guestbook messages), questions, and other content that they post on the Service or make visible to other users (hereinafter “Posts”).
2. The Company has zero tolerance for objectionable content and abusive users. The Company does not permit offensive or inappropriate Posts or the harassment of other users, and users can report or block such Posts or users in the app.
3. Any person whose rights, such as privacy, reputation, or copyright, have been infringed by a Post may request the Company to delete the Post or take other measures. In accordance with Article 44-2 of the Act on Promotion of Information and Communications Network Utilization and Information Protection (Korea) and Article 103 of the Copyright Act (Korea), the Company shall without delay take necessary measures such as deletion or a temporary measure (for up to 30 days), and notify the requester and the poster of such action.
4. The Company reviews reported Posts and, where a Post violates applicable laws or these Terms, may delete the Post or restrict the user's use of the Service.
5. Recipient of reports of rights infringement and requests to stop copyright infringement: LOING Inc., support@loing.app

Article 11-2 (Clubhouses, Notes, Study Buddies and Other Social Features)

1. The Host sets the name and settings of a Clubhouse and may remove or block Members. A removed member cannot rejoin that Clubhouse until the Host lifts the removal. The capacity of a Clubhouse depends on its level, and each member may join up to 20 Clubhouses. When the Host deletes their account, the Clubhouse is closed. The Company may automatically create a “My Clubhouse” for a member. Members may report a Clubhouse (such as its name), and the Company may review the report and require a name change or restrict use.
2. Members may buy Clubhouse furniture themes with Diamonds (free Diamonds are used first) and apply a purchased theme to a Clubhouse they host. The same theme cannot be bought again, and purchased themes remain usable after sales end. Because furniture themes involve no probability, the restriction on paid sources in Article 8-2(9) does not apply to them. A furniture theme purchase is use of digital content provided upon purchase, and withdrawal, refunds and remedies follow Article 8-2(10).
3. Clubhouse points accumulate through Members' learning activities, and the Clubhouse level rises when the points of the last 28 days pass a threshold and returns to level 1 if no points are earned for more than 28 days. Level points already earned are not deducted when a Member leaves or is removed. If the level drops and the Clubhouse exceeds its capacity, existing Members stay and only new joining is restricted.
4. Notes are visible to members who can view the recipient's board. If the same member writes a new note on the same board, the previous note may be replaced, and sparkle notes glow on the board for 3 days and are then kept in the recipient's album. The recipient can delete a note, leave one free reaction per note, or block or report the sender.
5. Articles 10 and 11 apply to notes. The Company may block inappropriate content through automatic screening (including AI-based judgment) when a note is sent, and may review reported notes and hide or delete them and restrict use.
6. Study buddies are paired automatically (at random) by the Company, among members without Clubhouse mates or mutual followers, based on recent study activity, time zone and learning languages, and buddies exchange only predefined cheers. Members can turn study buddies off or end a pairing at any time, and pairs ended by blocking are not paired again.
7. Current status (online, studying), visiting friends' villages and visitor counts, and days studied together are visible only to the members specified in the Privacy Policy, and members can hide their current status in settings.
8. The home-screen widget shows values received when you open the app or study and stored on the device, so it may differ from the actual state; the number of friends studying now is no longer shown after 30 minutes.
9. Clubhouse points, rankings, Stars, note counts and similar figures are in-Service indicators with no monetary value. The Company may reclaim points or Stars obtained by fraudulent means, such as multiple accounts or automation tools, or restrict use.

Article 12 (Intellectual Property Rights)

1. The copyright and intellectual property rights in the Content within the Service (such as learning questions, audio, images, and the Nogli character design) belong to the Company.
2. A user may not commercially use, or provide to a third party, information obtained by using the Service provided by the Company without the Company's prior consent.

Article 13 (Disclaimer)

1. The Company shall be exempt from liability where it is unable to provide the Service due to force majeure, such as natural disasters or server failures.
2. The Company does not guarantee the learning effects that a user expects from using the Service.
3. The Company has no obligation to intervene in disputes between users or between a user and a third party.
4. However, this provision shall not apply to damages caused by the Company's intent or gross negligence.

Article 14 (Governing Law and Jurisdiction)

1. The interpretation and application of these Terms shall be governed by the laws of the Republic of Korea.
2. In the event of a dispute relating to these Terms, an action may be filed with the competent court in accordance with the Civil Procedure Act (Korea) and other relevant laws.

Article 15 (Inquiries)

If you have any questions about these Terms, please contact us at support@loing.app.

Addendum

These amendments (Articles 2, 6, 7, 8-2(1), 8-3, 8-4, 11 and 11-2) were announced on October 23, 2026 and take effect on October 31, 2026. Through October 30, 2026, the previous Terms apply. New features may be provided gradually in app versions that support them.

Under the previous amendment, the avatar definition in Article 2 and Article 8-2 take effect on October 27, 2026, and the other amendments announced on October 8, 2026, including age eligibility, paid services and post management, take effect on November 10, 2026. Even if these amendments take effect before November 10, 2026, those other amendments apply from November 10, 2026, and until the day before, the earlier Terms govern those matters only.

The previous Terms (effective March 25, 2026) remain available under Previous Terms. The October 8, 2026 notice version, before the avatar provisions were added, is available under Earlier amendment notice.