서비스 약관

본 약관은 ucake 웹사이트, API 문서, sandbox 및 결제 기술 협력 논의에 적용됩니다.

본 문서는 웹사이트용 약관이며 공식 merchant 연동, 요금, 정산, SLA, 데이터 처리 및 책임 범위는 서면 계약을 따릅니다.

정책 내용

1. Acceptance and scope

By accessing the ucake website, reading API documentation, submitting inquiries, using sandbox or discussing payment technology cooperation, you understand and agree to these terms.
These terms apply to website content, documentation, testing environments, business communications and cooperation assessment stages.
Formal merchant onboarding, fees, settlement, SLA, risk control, data processing and liability boundaries are governed by signed written agreements.

2. Service positioning

ucake provides payment technology, API documentation, bank connections, virtual accounts, dynamic QR, collection notifications, payout APIs and related technical support.
Unless a formal agreement states otherwise, website content is not banking service, licensed financial service, legal advice, tax advice or investment advice.
Product capabilities, bank coverage, launch timing, API fields, pricing and availability may change based on partners, regulation, technology or commercial confirmation.

3. Merchant eligibility and review

Before formal cooperation, merchants must provide true, accurate and complete company materials, business descriptions, contacts, website/app information and compliance review materials.
We may accept, reject, suspend or terminate an integration request based on risk, compliance, partner requirements or business fit.
Merchants must ensure their business, transactions, goods, services, funds and use cases comply with applicable laws and partner rules.

4. Accounts, keys and API security

MerchantId, CompanyId, API keys, appSecret, callback URLs, sandbox credentials and production credentials may only be used by authorized personnel and systems.
Merchants should protect credentials with access control, key rotation, environment separation, audit logs and abnormal activity monitoring.
Risks caused by leakage, misconfiguration, sharing or improper custody of credentials are borne by the merchant.
If credential leakage, abnormal API calls or suspected attacks are detected, notify ucake immediately and cooperate on reset, suspension or investigation.

5. API documentation and sandbox

API documentation, code examples, field descriptions and error codes help developers understand integration but may not cover every production scenario.
Sandbox data is for testing only and does not represent production bank results, transaction timing, risk rules or fund processing.
Before go-live, merchants should test signatures, callbacks, idempotency, retries, abnormal statuses, timeouts, reconciliation and security.
Sandbox and documentation may not be used for stress attacks, scraping, reverse engineering, competitive analysis or any purpose outside authorized scope.

6. Permitted and prohibited use

You may use the website, APIs and materials only for lawful business evaluation, technical integration and authorized payment technology cooperation.
Prohibited uses include fraud, money laundering, terrorist financing, gambling, illegal adult content, scams, fake transactions, unauthorized financial activity, infringement, sanctions or regulatory violations.
You may not bypass risk controls, security, limits, identity checks, bank rules or partner restrictions.
We may limit, suspend, reject or terminate high-risk use based on security, compliance, partner or regulatory requirements.

7. Compliance, risk control and cooperation

Merchants must cooperate in providing KYC/KYB, business proof, transaction descriptions, website information, beneficial owners, licenses or other compliance materials.
If transactions, orders or fund flows are abnormal, merchants must cooperate in investigation, materials supplementation, refunds, freezes, chargebacks, complaints or regulatory inquiries.
Merchants may not split, disguise, hide or change the true business type to avoid review, fees, limits or risk controls.
If partners, banks or regulators require, we may adjust APIs, limits, available services, settlement arrangements or integration conditions.

8. Fees, settlement and tax

Prices, plans, fees or capability descriptions on the website are for reference only; actual fees are subject to quotation or formal agreement.
Settlement cycles, transaction fees, refunds, chargebacks, deposits, balance requirements, exchange rates, accounting and invoices are governed by agreements between the parties.
Changes by banks, payment networks, partners or regulations may affect merchant costs.
Merchants are responsible for their own business, income, cross-border transactions and tax reporting.

9. Third-party services and bank networks

Some capabilities depend on banks, payment institutions, clearing networks, cloud services, communication tools, risk services or other third-party systems.
Third-party services may experience delays, interruptions, maintenance, rule changes, processing refusal or inconsistent data responses.
We will assist investigation within reasonable scope but are not liable beyond what the law allows for actions outside our control.

10. Intellectual property and confidentiality

The ucake website, design, copy, API documentation, code examples, brand assets and technical materials belong to ucake or relevant right holders.
Without authorization, you may not copy, modify, distribute, sell, rent, publicly display, use for competing products or remove rights notices.
Non-public business, pricing, API, key, technical solution and transaction information obtained by either party should be kept confidential.
Bank, partner and third-party logos or names belong to their respective owners and are used only to describe support or cooperation scope.

11. Data and privacy

We process contact information, integration information, logs and necessary transaction data according to the Privacy Policy and applicable data processing terms.
Merchants must ensure data provided to ucake or transmitted through APIs has lawful sources, necessary authorization and appropriate notices.
Merchants should not transmit unnecessary sensitive personal data, full card credentials, passwords or unrelated data through API fields.
If formal cooperation involves complex data processing, the parties may sign a data processing agreement or supplementary terms.

12. Availability and changes

We use reasonable efforts to maintain the stability of the website, documentation, APIs and related services but do not guarantee uninterrupted or error-free service.
We may adjust, suspend or discontinue capabilities due to maintenance, upgrades, security, risk control, bank rules, regulatory requirements or partner changes.
For material changes, we will try to notify affected partners through the website, documentation, email or other reasonable methods.

13. Disclaimer and limitation of liability

Website content and documentation are provided “as is”; except as expressly committed in a formal agreement, no availability, merchantability, fitness or error-free warranty is given.
To the extent permitted by law, we are not liable for indirect losses, lost profits, loss of goodwill, data loss, business interruption or losses caused by third parties.
Liability caps, indemnity, SLA, exclusions and dispute resolution for formal cooperation are governed by signed written agreements.

14. Suspension, termination and survival

If you violate these terms, laws, partner rules or engage in high-risk conduct, we may suspend access, limit APIs, require remediation or terminate services.
After termination, merchants remain responsible for reconciliation, refunds, disputes, confidentiality, data protection and payment obligations already incurred.
Termination does not affect rights, obligations and liabilities arising before termination.

15. Updates and contact

We may update these terms according to product, business, legal, regulatory or partner requirements.
Updated terms will be posted on the website and take effect from the date stated on the page or the posting date.
For questions about these terms, contact support@ucakepay.com.