Terms of Service

Effective November 1, 2026

Before using MEUM, please review the scope of the service and how to manage your records.

Article 1. Purpose and operator

These terms set out the conditions for using the MEUM app and official website provided by MEUM, represented by Jaeyong Jeong (the “operator”), and the rights and obligations of users and the operator.

Article 2. Nature of the service

MEUM is software that helps individuals record transactions and analyze portfolios. Features include recording transactions in stocks, ETFs, crypto, and cash; reviewing holdings and gains or losses; performance and risk analysis; recognizing supported transaction history images; and AI explanations (Lumen). Actual availability depends on the released version and in-app guidance.

MEUM does not execute securities orders or provide personalized investment advice. Information and analytical results displayed in the app do not constitute investment recommendations or guarantees of returns.

Article 3. Information and calculations

Gains, losses, and analytical results depend on the records you enter, market prices, exchange rates, and calculation methods applied. Market data may be delayed, missing, or incorrect. Past performance and backtest results do not guarantee future results.

You must review dates, instruments, quantities, prices, and amounts recognized from transaction images before saving them. Displayed values do not replace brokerage statements or tax filing records.

Article 4. Data management

Transaction and asset records are stored on your device. If you are not signed in, you are responsible for making backups before deleting the app, losing or replacing a device, or resetting data. The operator cannot restore records from a server when they exist only on your device.

A signed-in member’s ledger is stored in the cloud and can be restored on another device. Cloud storage has limits such as the number and size of backups, and recent changes may not yet be saved depending on network conditions.

For details on the handling of personal information, see the Privacy Policy.

Article 5. Member accounts

Signing up is optional and can be done with a Google, Apple, or Kakao account. On-device record features are available without signing in; cloud storage, Lumen, monthly reports, and MEUM Pro require sign-in. You are responsible for keeping your sign-in methods secure.

You can delete your account in the app at any time. Deleting your account deletes your cloud backups and member information and cannot be undone. Please export any records you need as a file first.

Article 6. AI features

Lumen and monthly reports use AI to write explanations based on figures calculated from your records. You must agree to the information transfer on first use, and usage is subject to the limits shown in the app.

AI-written content may be inaccurate or incomplete and is not a recommendation to buy or sell any instrument or personalized investment advice. Results calculated from assumptions you set do not predict actual outcomes. Please check the original records and data before making important decisions.

Article 7. Advertising

The operator may show ads in the app to users who do not use MEUM Pro. Advertisers are responsible for the content of their ads and their products and services, and any transaction made through an ad is between the user and the advertiser.

Article 8. User obligations

You must use records and images that you are authorized to use. You must not infringe on other people’s privacy or rights, or interfere with the normal operation of the service.

Article 9. Service changes and interruptions

The operator may change or temporarily suspend features for maintenance, changes in external data providers, or technical reasons. Changes that significantly affect use will be announced in advance where possible, or afterward in urgent cases.

Article 10. Paid service (MEUM Pro)

The operator offers MEUM Pro, a subscription that renews automatically every month. Benefits, usage limits, and prices are shown on the Pro screen in the app and on the store payment screen. The amount actually charged is the one shown on the store payment screen.

Pro applies to the MEUM account signed in at the time of purchase. Payment is made through in-app purchase on the Apple App Store or Google Play. Payment details are handled by each store, and the operator does not receive them. If you restore a purchase on a different MEUM account with the same store account, Pro may move to that account. This website does not accept payments or subscription applications.

Unless canceled, the subscription renews monthly on the same terms and is charged to your store account. You can cancel at any time in the store’s subscription settings and keep Pro until the end of the period already paid for. For App Store subscriptions, cancel at least 24 hours before the current period ends to avoid the next charge.

Deleting your MEUM account or the app does not cancel a store subscription. Please cancel it in the store before deleting your account.

Refunds follow the refund policy and procedures of the store where you paid. If prices change, we will give advance notice as required by the store, and the price applied to an active subscription follows the conditions the store announces. This article does not restrict users’ statutory rights, including the right to withdraw an order.

Article 11. Responsibility and disputes

Users make investment decisions based on their own judgment. Liability for damage caused by the operator’s intentional acts or negligence is governed by applicable law. These terms do not restrict users’ statutory rights.

The parties will seek to resolve disputes through mutual consultation. Unresolved disputes are subject to applicable law and jurisdiction rules.

Article 12. Changes to the terms and contact

These terms take effect on November 1, 2026. If they change, the effective date and changes will be announced in advance on the website and, where necessary, in the app. Please send inquiries to contact@meum.my.