크플-대한민국 최상위 온투금융(투자, 대출) 앱

PFC Technologies Inc.

About this app

[Korea's Top* On-to-Finance (Loan-Investment) App]
- Generous loan limits - 10%** interest income on investments
- Cumulative loan/investment linked amount exceeds KRW 2.4 trillion
- Online investment-linked finance company with 10 years of experience
- Cumulative subscribers: 1 million

*Based on loan balances as of April 2025 according to the Central Records Management Agency for Online Investment-Linked Finance
**Average yield: May 26, 2016 - May 31, 2025, excluding platform fees, taxes, and the possibility of default. Same as the linked loan interest rate.

■ High loan limits, low interest rates
- K-Ful mortgage loans are available, even with subordinated loans.
- K-Ful credit loans are also available, allowing for easy, complete, online application.

■ Earn easily and reliably with annual returns in the 10% range.
- Invest from as little as KRW 5,000.
- Receive monthly interest.
- Various investor safety measures in place.
- Apartment investment. We offer a variety of investment products, including ultra-short-term investments and securities investments.
*Average Return: May 26, 2016 - May 31, 2024. This rate of return does not take into account platform fees, taxes, or the possibility of default. This rate is the same as the linked loan interest rate.

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[Linked Investment Precautions]
- Please read the financial product description and terms and conditions before entering into a financial product contract.
The platform usage fee (commission) for this product is up to 1.2%, which is deducted from the investor's settlement amount upon each principal and interest repayment.
- This linked investment product is not protected by the Korea Deposit Insurance Corporation under the Depositor Protection Act, and the investor is responsible for any principal loss.
- Losses due to loan delinquency or default vary depending on the results of the bond sale and collection, and the maximum loss can reach the entire principal amount invested in the bond.
- You may withdraw your investment before the fundraising is complete. (Withdrawal is restricted after subscription is completed and before the product's redemption/settlement is completed.)
- We are obligated to provide a thorough explanation of this linked investment product. Investors are advised to fully understand the product screen and disclosure information before making an investment decision.
- Past performance does not guarantee future returns.
- Complaints regarding Cple's business practices can be submitted to our main email address ([e-mail]) or customer service center (1600-9613). The company is obligated to respond in good faith and take necessary action. If you wish to mediate a dispute, you may apply for mediation with the Financial Supervisory Service.
- This advertisement complies with relevant laws and internal control standards.

■ Personal Credit Loan Information: Loan Limit: Minimum 5 million won ~ Maximum 30 million won; Loan Term: Minimum 12 months ~ Maximum 60 months; Integrated Interest Rate Range: Minimum 11.5% ~ Maximum 19.65%; Loan Repayment Example: A 1 million won loan with an annual interest rate of 5% and equal principal and interest payments over 12 months would result in a total loan cost of 1,027,230 won (Monthly Payment: 85,607 won).

※These loan terms are as of May 7, 2025 and are subject to change without prior notice.

[Linked Loan Notes]
- Please read the product description and terms and conditions before signing a financial product contract.
- The loan interest rate is determined by comprehensively considering factors such as investor returns, preferential rates based on transaction performance, and credit costs. - Loans will be disbursed only after the investment fund is raised, and the expected loan disbursement date is within 30 days of the start of the fundraising period. If no funds are raised within this period and no separate agreement is reached between the company and the borrower, the loan agreement will be terminated.
- Consent to a credit inquiry and scraping of personal information to verify income and employment is required for loan application and review.
- Changes in collateral or credit information while the loan is being raised from investors may result in the loan being rejected.
- Loans may be restricted based on our screening criteria.
- Failure to repay the principal and interest by the designated date may result in the obligation to repay the entire outstanding principal and interest before maturity, and may result in disadvantages such as being registered as a credit information management target.
- Loan limits and interest rates are determined through our screening process, and the above loan terms are subject to change at our discretion.
- Consider whether you really need a loan before applying. - Your personal credit score may decline when using this loan product, which may result in restrictions on financial transactions.
- We are obligated to fully explain this linked loan product, and borrowers are advised to fully understand the product screen and disclosure information before making a loan decision.
- Complaints regarding our business practices can be submitted to our main email address ([e-mail]) or our customer service center (1600-9613). We are obligated to respond faithfully and take necessary action. If you wish to mediate a dispute, you may apply for mediation with the Financial Supervisory Service.
- This advertisement complies with relevant laws and internal control standards.

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■ Who operates Cple?
Cple is operated by PFC Technologies. Founded in 2015, Cple is a 10-year-old startup with over 120 employees.
PFC Technologies aims to provide "uncommon finance for ordinary people." We are introducing the "Cple" platform to break down the barriers to high-interest loans through technology and provide everyone with access to high-yield investment opportunities.

■ Customer Center
- Email inquiries: [e-mail]
- KakaoTalk inquiries: @cple

■ Required Access Permissions
- The Cple app collects, uses, and shares information about installed apps on smartphones to prevent electronic financial transaction fraud, such as voice phishing and malicious apps. (Cple app use is restricted when apps requiring caution are detected.)
- This service does not, in principle, collect sensitive information that may infringe on customer privacy. However, when necessary, we obtain separate consent from the customer and use it only for the purpose for which consent was given.
※ Required access permissions are essential for using Cple. Failure to grant these permissions will result in restricted service use.

■ Optional Access Permissions
- System Notifications: Used to notify users of service information and promotional information.
- Phone: Used to identify the carrier for non-face-to-face document submission.
- Camera: Used for non-face-to-face real-name verification and required document submission.
- Storage: Used to inspect captured screens to prevent fraudulent transactions.
- Advertising ID: Used to identify user data for customer service and error prevention.
- Physical Activity: Measures steps for the pedometer service.
※ You can still use the service without consenting to optional access permissions, but some required functions may be restricted.

PFC Technologies
35 Seocho-daero 50-gil, 3rd-7th floors, Seocho-dong, Geunjeong Building, Seocho-gu, Seoul
Compliance Officer Review No. 8413 (August 29, 2025, 6 months)

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