Terms of Service

Effective date: 2026-06-09

These Terms of Service govern the rights, obligations, and responsibilities between Able Co., Ltd. (hereinafter "Company") and users regarding the use of Cloak Chat (hereinafter "Service").

① "Service" refers to the privacy-protection messenger provided by the Company. To protect chat content, the application is gated by a PIN lock screen, and chat features can only be accessed by entering a pre-registered PIN.
② "User" refers to any member or non-member who uses the Service in accordance with these Terms.
③ "Member" refers to a person who has entered into a service agreement with the Company and obtained an account through phone number verification.
④ "PIN" refers to a 4-digit numeric password set by the user. It is the authentication mechanism used to enter the chat screen from the lock screen.

① These Terms take effect when posted on the Service or otherwise notified to users.
② The Company may amend these Terms within the scope of applicable law. Amendments shall be announced at least 7 days before the effective date (30 days for material or unfavorable changes), stating the effective date and reason for the change.
③ Users who do not agree to the amended Terms may discontinue use of the Service and request account deletion.

The Company provides the following primary services:
1. PIN lock screen and PIN-based unlock
2. Member registration and friend matching based on phone number
3. Real-time 1:1 and group messaging
4. Push notifications (with content masking)
5. Paid subscription (monthly/yearly) and payment services

① Users may apply for membership by agreeing to these Terms and following the procedure set by the Company.
② Membership registration is completed via phone number verification and PIN setup. Members are responsible for safely managing their phone number and PIN.
③ Membership registration may be refused or revoked in the following cases:
   1. Registration by a person under 14 years of age
   2. Registration using another person's information
   3. Registration applied for fraudulent purposes

① The PIN is hashed with PBKDF2-SHA256 and stored in localStorage on the user's device. It is never transmitted to the Company's servers.
② If a user loses their PIN, the Company cannot recover it. The user must delete their account and register again.
③ The protection display (the appearance method that prevents the chat from being visible to others viewing the device) is a feature for protecting the user's own privacy. If the user uses it beyond its intended purpose—such as misleading others or for illegal acts—all responsibility lies with the user.

① The Company provides paid services in the form of monthly/yearly subscriptions. Payments are processed exclusively through Apple App Store (StoreKit) and Google Play (Play Billing) in-app purchase.
② A 7-day free trial is provided upon first registration. If not cancelled before the trial ends, the registered Apple ID or Google account will be automatically charged.
③ Subscriptions auto-renew unless cancelled at least 24 hours before the renewal date through the App Store / Google Play account settings.
④ Refunds are handled by Apple App Store / Google Play under their respective refund policies. The Company does not have authority to issue direct refunds; refund-related inquiries can only be answered with guidance toward the relevant store.

Users must not engage in the following acts:
1. Misuse of another person's personal information
2. Any act that interferes with the Company's service operations
3. Sending messages containing obscene material, violence, discrimination, or defamation
4. Use of the Service for criminal purposes such as fraud, threats, or illegal transactions
5. Inappropriate contact with minors (under 14 years of age)
6. Using the Service's protection display feature for purposes other than personal privacy protection — including misleading others or seeking improper benefits
7. Reverse engineering or unauthorized access through automated means
If any of the above is discovered, the Company may restrict service use or permanently suspend the account without prior notice.

① The user is responsible for all messages, images, and other content sent or received through the Service.
② The Company does not read or monitor message content. Messages are stored under Row-Level Security (RLS) policies so that only conversation participants can access them.
③ However, the Company may provide retained data when required by lawful requests such as a warrant from investigative authorities.

① The Company may temporarily suspend the Service for system maintenance, repair, or replacement, with prior notice.
② The Company is not liable when the Service is interrupted due to force majeure such as natural disasters, carrier failures, or power outages.

① Members may request withdrawal at any time through the Settings menu of the Service.
② Upon withdrawal, the member's profile and payment information are deleted immediately. Message data may be retained in anonymized form for a certain period in order to protect the rights of other conversation participants.
③ Retention periods are governed by the Privacy Policy.

① The Company is not liable for service disruptions caused by reasons attributable to the user.
② The Company is not liable for users' failure to obtain expected income through the Service or for any damages arising therefrom.
③ The Company has no obligation to intervene in disputes between users or between users and third parties that arise through the Service, and bears no responsibility for damages resulting therefrom.

Disputes regarding these Terms shall be governed by the laws of the Republic of Korea, and the court having jurisdiction over the location of the Company's principal office shall be the court of first instance.

(1) Users may report other users or messages through the in-app reporting feature under the following categories: spam/advertising, harassment/threats, explicit/violent/hateful content, impersonation, other.
(2) The Company reviews all reports within 24 hours and, where a violation of these Terms or applicable law is confirmed, takes immediate action without prior notice (content removal, restricted visibility, account suspension or permanent termination, etc.).
(3) Users may block other users; once blocked, that user's messages are immediately hidden from the blocker.
(4) The Company is not obligated to notify the reporter individually of the outcome but may communicate as needed in cases of serious violation.
(5) Pursuant to the Company's zero-tolerance policy for objectionable content and abusive behavior, content found to be in clear violation will be removed immediately, and the sender's access to the Service may be restricted.

These Terms shall take effect from 2026-06-09.