KUBIC Transaction and Settlement Policy

This Policy sets forth the standards, procedures, and conditions governing KUBIC transactions (transfer or assignment) and settlements arising from such transactions within the KLATOO Service operated by Underpin, Inc. (the “Company”).

This Policy aims to clearly define the conditions, procedures, and limitations applicable to KUBIC transactions and the settlements arising therefrom within the KLATOO Service.

1. This Policy applies to all Users who hold, use, transfer, or receive KUBIC within the Service, and to whom settlement amounts arise as a result of such transactions. 2. Matters not specified herein shall be governed by the KLATOO Terms of Service, the Web Payment and Refund Policy, and other applicable Company policies.

1. “KUBIC” means a non-consumable digital content item issued through the use of Gem, representing usage rights for a specific digital space or related activities within the KLATOO Service. 2. “Transaction” means the transfer or assignment of KUBIC between Users. 3. “Settlement” means the process by which economic value obtained as a result of KUBIC transactions is paid to Users in accordance with the Company’s policies.

1. KUBIC may be transferred or assigned to other Users in accordance with procedures established by the Company. 2. KUBIC transactions are conducted within the Service using Gem as the medium, and the Company provides the technical and operational environment for such transactions. 3. Once KUBIC has been transferred or assigned, it shall be deemed used digital content. 4. Completed KUBIC transactions may not be refunded or canceled.

1. The Company may restrict or suspend KUBIC transactions in any of the following cases: (1) Violation of applicable laws or the Terms (2) Confirmed or suspected fraudulent, manipulative, or abnormal activities (3) System errors or security-related issues 2. Minors are not permitted to engage in KUBIC transactions.

1. Settlement amounts are calculated based on Gem obtained by Users through KUBIC transactions. 2. The Company determines settlement eligibility and amounts in accordance with its internal policies and system standards. 3. The Company may comprehensively assess transaction validity, usage history, and policy compliance when determining settlement eligibility.

1. Users applying for settlement must complete identity verification (KYC) procedures required by the Company. 2. Settlement may be restricted in any of the following cases: (1) Failure to complete KYC procedures (2) The User is a minor (3) Violation of applicable laws or this Policy.

Settlement applications may be submitted only when the minimum settlement threshold established by the Company has been met.

1. Settlements may be paid using settlement methods approved by the Company. 2. Settlement methods may include bank transfers, digital assets, or equivalent methods designated by the Company. 3. The availability and type of settlement methods may change in accordance with the Company’s policies.

1. The Company may charge fees in connection with settlements, taking into account service operation, payment processing, and related costs. 2. Fee rates and calculation methods are determined in accordance with the Company’s policies and will be disclosed in advance.

1. Settlements are processed in accordance with schedules determined by the Company. 2. Settlements may be delayed or suspended in any of the following cases: (1) Violation or potential violation of applicable laws or regulations (2) Suspected fraudulent or abnormal activity (3) Additional review or investigation is required.

The Company may cancel, withhold, or recover settlement amounts, in whole or in part, if fraudulent activity, settlement errors, or violations of the Terms or this Policy are identified.

The Company is not liable for transaction failures, settlement delays, or non-performance caused by factors attributable to the User.

The Company may amend this Policy to the extent permitted by applicable laws and regulations and will provide prior notice of such changes.

This Policy shall take effect on the date announced by the Company.