Terms of service

These terms apply to your use of this website and to any consultation you book with Spectrum Node Financial Planning Co., Ltd. as a result of an inquiry.

1. The service we offer

We offer consultation and planning support for household budgeting and cash-flow planning, booked by inquiry. Insurance, investment products, loans and fund placement are outside this practice and are not offered here. Sessions are limited to budgeting and cash-flow planning.

2. Scope and limits

A consultation is planning support, not regulated financial advice. Where a question falls outside household budgeting and cash-flow planning — for example a regulated investment, insurance, or tax decision — we will flag it and direct you to a suitably licensed adviser. No plan outcome is represented as guaranteed.

3. Inquiries and booking

Engagements begin when you submit the contact form. We reply by email, normally within two business days, with a proposed slot and the consultation terms — including any fee — for your agreement. No session is confirmed until those terms are accepted, and the inquiry itself is free.

4. Consultation terms

Specific consultation terms (session length, fees, payment method, and cancellation terms) are agreed in writing by email before a session is booked. Until those terms are agreed, no consultation is confirmed. The terms agreed in that email form part of these terms.

5. Your responsibilities

To make a consultation useful, you agree to provide accurate information about your household finances — for example bank and card statements — and to let us know in advance if a booked session needs to be rescheduled. Plans built on incomplete or inaccurate information may not be reliable, and we are not responsible for outcomes that depend on information you did not share.

6. Our responsibilities

We handle your personal information in line with our Privacy policy. We carry out consultations with reasonable care and skill. We do not guarantee specific financial outcomes, because household finances depend on factors outside any consultation.

7. Intellectual property

The cash-flow maps, budgets, and review checklists we produce for you are provided for your household’s use. You may keep and reuse them. The templates and methods behind them remain ours and are not licensed for resale.

8. Liability

Nothing in these terms excludes liability that cannot be excluded under Korean law. To the extent permitted by law, our liability for any single consultation is limited to the fee paid for that consultation.

9. Changes to these terms

If we update these terms, this page is revised and the “last reviewed” date below is moved. Terms for a session already booked remain as set out in the confirmation email.

10. Governing law and disputes

These terms are governed by the laws of the Republic of Korea. Any dispute that we cannot resolve by direct discussion will be brought before the competent court having jurisdiction over our registered office in Seongnam-si, Gyeonggi-do.

11. Business information

• Entity: Spectrum Node Financial Planning Co., Ltd.
• Business registration number (BRN): 410-86-41274
• Mail-order report number: 제2026-경기성남분당-0123호
• Representative: Kim Min-jun (김민준)
• Address: 167-8, Jeongja-dong, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea
• Phone: +82-31-712-4386
• Email: info@spectrumnode.digital

Last reviewed: October 2026. Proposed terms text, pending business confirmation of fees and structure.