Refund Policy

The Korean version of this policy is authoritative.

Effective date: 2026-10-14

1. Scope

This policy covers withdrawals and refunds for prepaid K-OTP credits ("Credits") sold by 1990Company (the "Company"). One credit is used per OTP send, regardless of channel (AlimTalk, SMS, or automatic SMS failover after an AlimTalk failure).

2. Withdrawal within 7 days

You may withdraw the purchase of an unused credit pack within 7 days of purchase and receive a full refund of the amount paid (Article 17, Act on Consumer Protection in Electronic Commerce). For partly used packs, the refund is calculated under section 3.

3. Refunds of partly used packs

  1. The refund is proportional to the remaining credits of the order, excluding the pack's bonus credits: refund = amount paid × (remaining credits − bonus credits) ÷ base credits. If the result is below zero, the refund is zero. The refund is rounded down to the cent (USD) or to the whole won (KRW).
  2. Base and bonus credits are those of the pack purchased (Mini: 250 base + 0 bonus credits; Starter: 1,000 base + 250 bonus credits; Scale: 5,000 base + 1,250 bonus credits). A pack purchased earlier keeps the composition it was sold with (for example Starter: 1,000 base + 500 bonus credits, or Pro: 10,000 base + 7,000 bonus credits), and its refund is calculated from that composition and the amount paid for it. Remaining credits are the order's credits (including bonus credits) not yet used when the refund is processed. Because all apps of an organization share one credit wallet, the organization's current balance (excluding credits reserved for codes being sent) counts toward the refunded order first, up to the credits that order granted.
  3. Bonus and promotional credits are not refundable: they are deducted from the remaining credits before the refund is calculated.
  4. When a refund is processed, all remaining credits granted by that order (including bonus credits) are removed from the organization's wallet.
  5. For KRW payments, the amount paid is the VAT-inclusive amount charged, and the refund includes the corresponding VAT. KRW prices are shown excluding 10% VAT (Mini ₩6,000, Starter ₩27,000, Scale ₩109,000, VAT 10% extra) and charged including it (Mini ₩6,600 incl. ₩600 VAT; Starter ₩29,700 incl. ₩2,700 VAT; Scale ₩119,900 incl. ₩10,900 VAT). An order paid earlier is refunded from the amount it was charged at that time.
  6. For USD payments, the amount paid is the total charged by Creem, including any tax Creem added at checkout for your location, and the refund includes the corresponding share of that tax. USD prices are shown excluding tax.
  7. Example: if you used 300 credits of a Starter pack (1,000 + 250 bonus credits), 950 credits remain; excluding the 250 bonus credits leaves 700 of the 1,000 base credits. Paid in USD with no tax added ($19.90), the refund is $19.90 × 700 ÷ 1,000 = $13.93; if Creem added $1.99 of tax ($21.89 paid), it is $21.89 × 700 ÷ 1,000 = $15.32. Paid in KRW (₩29,700 charged incl. VAT), the refund is ₩29,700 × 700 ÷ 1,000 = ₩20,790. In every case the remaining 950 credits are removed. If 1,000 or more credits of a Starter pack were used, the refund is zero.

4. After the withdrawal period, and validity

You may still request a refund after the withdrawal period; the refund is calculated under section 3, with no additional fees deducted. Credits purchased with a payment do not expire. Free credits such as the signup bonus and referral rewards can be used for 1 year from the grant and are not refundable (section 3.3).

5. Failed sends

Credits reserved when issuing a code are released back to your balance automatically if queueing or sending fails. An automatic SMS failover after an AlimTalk failure still uses only 1 credit. Retries with the same idempotency key and payload are not charged again. See the console or GET /v1/credit-ledger for your history.

6. How to request

Email support@k-otp.dev with your console account email and payment details (order number, or payment date and amount). Refunds are made through the original payment provider (Creem for USD payments, Creb for KRW card payments) to the original payment method, in the currency paid. USD refunds are made by Creem (Armitage Labs OÜ), the merchant of record, to the original payment method at the Company's request. Creem may also refund on its own under Creem's Buyer Terms, applicable law or card scheme rules, and this policy does not limit your rights under Creem's Buyer Terms. Any order paid through Polar before the switch to Creem is refunded through Polar. A KRW card refund is made by the Company cancelling the card payment through Creb: in full when the refund equals the whole payment, as a partial cancellation otherwise. The refund can take a few more business days to reach you, depending on the card company. The Company requests the refund within 3 business days of confirming the request.

7. Service incidents

Credits reserved for a code whose queueing or sending fails are not debited and return to your balance automatically (section 5). If the whole Service is unavailable for 4 consecutive hours or more due to the Company's fault, the Company compensates you in credits as agreed with you on request.

8. Contact

  • Company: 1990Company
  • Representative: Junglei Kim
  • Business registration no.: 163-31-01584
  • Address: 601, 7, Cheonjung 1-gil, Dongnam-gu, Cheonan-si, Chungcheongnam-do, South Korea
  • Phone: +82-2-877-1990
  • Email: support@k-otp.dev

Effective date

This policy takes effect on 2026-10-14.

Change history

  • Effective 2026-10-14 (KRW card payments): because a KRW card payment option through Creb was added, the following changed. The amendment adds a payment option and does not change existing customers' rights or prices, so the Company published it on 2026-10-14 without a prior notice period.
    • Section 6: names Creb instead of PortOne for KRW card refunds and adds that a KRW card refund is made by the Company cancelling the card payment through Creb (in full when the refund equals the whole payment, as a partial cancellation otherwise) and that it can take a few more business days to reach you, depending on the card company. Section 6 previously began: "Refunds are made through the original payment provider (Creem for USD payments, PortOne for KRW card payments) to the original payment method, in the currency paid".
    • The refund formula (amount paid × (remaining credits − bonus credits) ÷ base credits), eligibility and timelines did not change.
  • Effective 2026-10-14: the credit pack lineup changed (Mini, Starter and Scale). The following changed in this policy. The Company published the new packs and prices on 2026-10-14 without a prior notice period, because they apply only to purchases made from that day; packs bought earlier keep the composition and the price they were sold with.
    • Section 3.2: lists the packs now sold (Mini: 250 base + 0 bonus credits; Starter: 1,000 base + 250 bonus credits; Scale: 5,000 base + 1,250 bonus credits) and states that a pack purchased earlier (for example Starter: 1,000 base + 500 bonus credits, or Pro: 10,000 base + 7,000 bonus credits) keeps its composition and is refunded from it. Section 3.2 previously listed Starter (1,000 base + 500 bonus credits) and Pro (10,000 base + 7,000 bonus credits).
    • Section 3.5: KRW prices and charges of the new packs (Mini ₩6,000 / ₩6,600, Starter ₩27,000 / ₩29,700, Scale ₩109,000 / ₩119,900), and that an order paid earlier is refunded from the amount it was charged. Section 3.5 previously named Starter ₩19,900 / ₩21,890 and Pro ₩199,000 / ₩218,900.
    • Section 3.7: the example now uses the Starter pack of 1,000 + 250 bonus credits (950 credits remain; $19.90 → $13.93; $21.89 with tax → $15.32; ₩29,700 → ₩20,790). It previously used 1,000 + 500 bonus credits (1,200 remaining; ₩21,890 → ₩15,323).
    • The refund formula (amount paid × (remaining credits − bonus credits) ÷ base credits), eligibility and timelines did not change.
  • Effective 2026-10-07: because USD payments are now processed by Creem, the following changed. This amendment was first announced on 2026-10-06 to take effect on 2026-11-06 and announced again on 2026-10-07, with the USD tax clarification in section 3.6 added, to take effect on 2026-11-07; because there had been no actual USD purchases yet, it was brought into force on 2026-10-07.
    • Section 6: names Creem instead of Polar for USD refunds and adds that Creem refunds USD payments to the original payment method at the Company's request, that Creem may also refund on its own under its Buyer Terms, applicable law or card scheme rules and your rights under Creem's Buyer Terms are unaffected, and that any order paid through Polar before the switch to Creem is refunded through Polar. Section 6 previously read: "Refunds are made through the original payment provider (Polar for USD payments, PortOne for KRW card payments) to the original payment method, in the currency paid".
    • Section 3.6 (added 2026-10-07): because USD prices exclude tax and Creem adds tax for the buyer's location at checkout, this new section states that for USD payments the amount paid is the total charged by Creem including that tax, that the refund includes the corresponding share of the tax, and that USD prices are shown excluding tax. The former section 3.6 (example) is now section 3.7 and adds an example of a USD payment with tax ($21.89 × 700 ÷ 1,000 = $15.32).
    • The refund formula (amount paid × (remaining credits − bonus credits) ÷ base credits), eligibility and timelines did not change.
  • Effective 2026-10-03: previous policy.