① 회원이 서비스를 이용할 의사가 없을 경우 계약을 해지할 수 있다.
② 회원의 사정으로 해지된 경우 회사는 회원의 납입금에서 모집수당, 기타 관리비등을 공제한 아래산식에 따른 해약환급금을 회원의 신청일로부터 3영업일 이내에 회원에게 환급하여야 한다.(단, 회원이 기초생활수급자일 경우에는 납입금 전액을 환급한다.)
◆ 해약환급금(단, 10원이하는절삭) = 납입금누계-관리비 누계-모집수당 공제액
- 월별 관리비는 월 납입금 대비 최대 5% (관리비합계 상한 500,000원)
- 납입금 누계가 관리비 누계와 모집수당 공제액의 합보다 적은 경우에는 해약환급금을 0으로 함
- 모집수당 공제액 = 모집수당×0.75 + 모집수당×0.25×(기 납입 월수/총 납입기간 월수)
- 모집수당은 총계약대금 대비 최대 10% (상한 500,000원)
-------------------------------------------''''해피효원456'''' ---------------------------------------
| 월 4,332,000원 x 1회 총 4,332,000원 |
| 회차 |
회비누계 |
환급금 |
환급율(%) |
| 1 |
4,332,000 |
4,332,000 |
100%(240개월 경과 시/240개월 이내 85% 환급) |
| 월 19,000원x240회 / 총 4,560,000원 |
| 회차 |
회비누계 |
환급금 |
환급율(%) |
| 1 |
19,000 |
- |
- |
| 2 |
38,000 |
- |
- |
| 3 |
57,000 |
- |
- |
| 4 |
76,000 |
- |
- |
| 5 |
95,000 |
- |
- |
| 6 |
114,000 |
- |
- |
| 7 |
133,000 |
- |
- |
| 8 |
152,000 |
- |
- |
| 9 |
171,000 |
- |
- |
| 10 |
190,000 |
- |
- |
| 11 |
209,000 |
- |
- |
| 12 |
228,000 |
- |
- |
| 13 |
247,000 |
- |
- |
| 14 |
266,000 |
- |
- |
| 15 |
285,000 |
- |
- |
| 16 |
304,000 |
- |
- |
| 17 |
323,000 |
- |
- |
| 18 |
342,000 |
- |
- |
| 19 |
361,000 |
- |
- |
| 20 |
380,000 |
9,500 |
2.50% |
| 21 |
399,000 |
27,070 |
6.78% |
| 22 |
418,000 |
44,650 |
10.68% |
| 23 |
437,000 |
62,220 |
14.24% |
| 24 |
456,000 |
79,800 |
17.50% |
| 25 |
475,000 |
97,370 |
20.50% |
| 26 |
494,000 |
114,950 |
23.27% |
| 27 |
513,000 |
132,520 |
25.83% |
| 28 |
532,000 |
150,100 |
28.21% |
| 29 |
551,000 |
167,670 |
30.43% |
| 30 |
570,000 |
185,250 |
32.50% |
| 31 |
589,000 |
202,820 |
34.43% |
| 32 |
608,000 |
220,400 |
36.25% |
| 33 |
627,000 |
237,970 |
37.95% |
| 34 |
646,000 |
255,550 |
39.56% |
| 35 |
665,000 |
273,120 |
41.07% |
| 36 |
684,000 |
290,700 |
42.50% |
| 37 |
703,000 |
308,270 |
43.85% |
| 38 |
722,000 |
325,850 |
45.13% |
| 39 |
741,000 |
343,420 |
46.35% |
| 40 |
760,000 |
361,000 |
47.50% |
| 41 |
779,000 |
378,570 |
48.60% |
| 42 |
798,000 |
396,150 |
49.64% |
| 43 |
817,000 |
413,720 |
50.64% |
| 44 |
836,000 |
431,300 |
51.59% |
| 45 |
855,000 |
448,870 |
52.50% |
| 46 |
874,000 |
466,450 |
53.37% |
| 47 |
893,000 |
484,020 |
54.20% |
| 48 |
912,000 |
501,600 |
55.00% |
| 49 |
931,000 |
519,170 |
55.76% |
| 50 |
950,000 |
536,750 |
56.50% |
| 51 |
969,000 |
554,320 |
57.21% |
| 52 |
988,000 |
571,900 |
57.88% |
| 53 |
1,007,000 |
589,470 |
58.54% |
| 54 |
1,026,000 |
607,050 |
59.17% |
| 55 |
1,045,000 |
624,620 |
59.77% |
| 56 |
1,064,000 |
642,200 |
60.36% |
| 57 |
1,083,000 |
659,770 |
60.92% |
| 58 |
1,102,000 |
677,350 |
61.47% |
| 59 |
1,121,000 |
694,920 |
61.99% |
| 60 |
1,140,000 |
712,500 |
62.50% |
| 61 |
1,159,000 |
730,070 |
62.99% |
| 62 |
1,178,000 |
747,650 |
63.47% |
| 63 |
1,197,000 |
765,220 |
63.93% |
| 64 |
1,216,000 |
782,800 |
64.38% |
| 65 |
1,235,000 |
800,370 |
64.81% |
| 66 |
1,254,000 |
817,950 |
65.23% |
| 67 |
1,273,000 |
835,520 |
65.63% |
| 68 |
1,292,000 |
853,100 |
66.03% |
| 69 |
1,311,000 |
870,670 |
66.41% |
| 70 |
1,330,000 |
888,250 |
66.79% |
| 71 |
1,349,000 |
905,820 |
67.15% |
| 72 |
1,368,000 |
923,400 |
67.50% |
| 73 |
1,387,000 |
940,970 |
67.84% |
| 74 |
1,406,000 |
958,550 |
68.18% |
| 75 |
1,425,000 |
976,120 |
68.50% |
| 76 |
1,444,000 |
993,700 |
68.82% |
| 77 |
1,463,000 |
1,011,270 |
69.12% |
| 78 |
1,482,000 |
1,028,850 |
69.42% |
| 79 |
1,501,000 |
1,046,420 |
69.71% |
| 80 |
1,520,000 |
1,064,000 |
70.00% |
| 81 |
1,539,000 |
1,081,570 |
70.28% |
| 82 |
1,558,000 |
1,099,150 |
70.55% |
| 83 |
1,577,000 |
1,116,720 |
70.81% |
| 84 |
1,596,000 |
1,134,300 |
71.07% |
| 85 |
1,615,000 |
1,151,870 |
71.32% |
| 86 |
1,634,000 |
1,169,450 |
71.57% |
| 87 |
1,653,000 |
1,187,020 |
71.81% |
| 88 |
1,672,000 |
1,204,600 |
72.05% |
| 89 |
1,691,000 |
1,222,170 |
72.27% |
| 90 |
1,710,000 |
1,239,750 |
72.50% |
| 91 |
1,729,000 |
1,257,320 |
72.72% |
| 92 |
1,748,000 |
1,274,900 |
72.93% |
| 93 |
1,767,000 |
1,292,470 |
73.14% |
| 94 |
1,786,000 |
1,310,050 |
73.35% |
| 95 |
1,805,000 |
1,327,620 |
73.55% |
| 96 |
1,824,000 |
1,345,200 |
73.75% |
| 97 |
1,843,000 |
1,362,770 |
73.94% |
| 98 |
1,862,000 |
1,380,350 |
74.13% |
| 99 |
1,881,000 |
1,397,920 |
74.32% |
| 100 |
1,900,000 |
1,415,500 |
74.50% |
| 101 |
1,919,000 |
1,433,070 |
74.68% |
| 102 |
1,938,000 |
1,450,650 |
74.85% |
| 103 |
1,957,000 |
1,468,220 |
75.02% |
| 104 |
1,976,000 |
1,485,800 |
75.19% |
| 105 |
1,995,000 |
1,503,370 |
75.36% |
| 106 |
2,014,000 |
1,520,950 |
75.52% |
| 107 |
2,033,000 |
1,538,520 |
75.68% |
| 108 |
2,052,000 |
1,556,100 |
75.83% |
| 109 |
2,071,000 |
1,573,670 |
75.99% |
| 110 |
2,090,000 |
1,591,250 |
76.14% |
| 111 |
2,109,000 |
1,608,820 |
76.28% |
| 112 |
2,128,000 |
1,626,400 |
76.43% |
| 113 |
2,147,000 |
1,643,970 |
76.57% |
| 114 |
2,166,000 |
1,661,550 |
76.71% |
| 115 |
2,185,000 |
1,679,120 |
76.85% |
| 116 |
2,204,000 |
1,696,700 |
76.98% |
| 117 |
2,223,000 |
1,714,270 |
77.12% |
| 118 |
2,242,000 |
1,731,850 |
77.25% |
| 119 |
2,261,000 |
1,749,420 |
77.37% |
| 120 |
2,280,000 |
1,767,000 |
77.50% |
| 121 |
2,299,000 |
1,784,570 |
77.62% |
| 122 |
2,318,000 |
1,802,150 |
77.75% |
| 123 |
2,337,000 |
1,819,720 |
77.87% |
| 124 |
2,356,000 |
1,837,300 |
77.98% |
| 125 |
2,375,000 |
1,854,870 |
78.10% |
| 126 |
2,394,000 |
1,872,450 |
78.21% |
| 127 |
2,413,000 |
1,890,020 |
78.33% |
| 128 |
2,432,000 |
1,907,600 |
78.44% |
| 129 |
2,451,000 |
1,925,170 |
78.55% |
| 130 |
2,470,000 |
1,942,750 |
78.65% |
| 131 |
2,489,000 |
1,960,320 |
78.76% |
| 132 |
2,508,000 |
1,977,900 |
78.86% |
| 133 |
2,527,000 |
1,995,470 |
78.97% |
| 134 |
2,546,000 |
2,013,050 |
79.07% |
| 135 |
2,565,000 |
2,030,620 |
79.17% |
| 136 |
2,584,000 |
2,048,200 |
79.26% |
| 137 |
2,603,000 |
2,065,770 |
79.36% |
| 138 |
2,622,000 |
2,083,350 |
79.46% |
| 139 |
2,641,000 |
2,100,920 |
79.55% |
| 140 |
2,660,000 |
2,118,500 |
79.64% |
| 141 |
2,679,000 |
2,136,070 |
79.73% |
| 142 |
2,698,000 |
2,153,650 |
79.82% |
| 143 |
2,717,000 |
2,171,220 |
79.91% |
| 144 |
2,736,000 |
2,188,800 |
80.00% |
| 145 |
2,755,000 |
2,206,370 |
80.09% |
| 146 |
2,774,000 |
2,223,950 |
80.17% |
| 147 |
2,793,000 |
2,241,520 |
80.25% |
| 148 |
2,812,000 |
2,259,100 |
80.34% |
| 149 |
2,831,000 |
2,276,670 |
80.42% |
| 150 |
2,850,000 |
2,294,250 |
80.50% |
| 151 |
2,869,000 |
2,311,820 |
80.58% |
| 152 |
2,888,000 |
2,329,400 |
80.66% |
| 153 |
2,907,000 |
2,346,970 |
80.74% |
| 154 |
2,926,000 |
2,364,550 |
80.81% |
| 155 |
2,945,000 |
2,382,120 |
80.89% |
| 156 |
2,964,000 |
2,399,700 |
80.96% |
| 157 |
2,983,000 |
2,417,270 |
81.03% |
| 158 |
3,002,000 |
2,434,850 |
81.11% |
| 159 |
3,021,000 |
2,452,420 |
81.18% |
| 160 |
3,040,000 |
2,470,000 |
81.25% |
| 161 |
3,059,000 |
2,487,570 |
81.32% |
| 162 |
3,078,000 |
2,505,150 |
81.39% |
| 163 |
3,097,000 |
2,522,720 |
81.46% |
| 164 |
3,116,000 |
2,540,300 |
81.52% |
| 165 |
3,135,000 |
2,557,870 |
81.59% |
| 166 |
3,154,000 |
2,575,450 |
81.66% |
| 167 |
3,173,000 |
2,593,020 |
81.72% |
| 168 |
3,192,000 |
2,610,600 |
81.79% |
| 169 |
3,211,000 |
2,628,170 |
81.85% |
| 170 |
3,230,000 |
2,645,750 |
81.91% |
| 171 |
3,249,000 |
2,663,320 |
81.97% |
| 172 |
3,268,000 |
2,680,900 |
82.03% |
| 173 |
3,287,000 |
2,698,470 |
82.10% |
| 174 |
3,306,000 |
2,716,050 |
82.16% |
| 175 |
3,325,000 |
2,733,620 |
82.21% |
| 176 |
3,344,000 |
2,751,200 |
82.27% |
| 177 |
3,363,000 |
2,768,770 |
82.33% |
| 178 |
3,382,000 |
2,786,350 |
82.39% |
| 179 |
3,401,000 |
2,803,920 |
82.44% |
| 180 |
3,420,000 |
2,821,500 |
82.50% |
| 181 |
3,439,000 |
2,839,070 |
82.56% |
| 182 |
3,458,000 |
2,856,650 |
82.61% |
| 183 |
3,477,000 |
2,874,220 |
82.66% |
| 184 |
3,496,000 |
2,891,800 |
82.72% |
| 185 |
3,515,000 |
2,909,370 |
82.77% |
| 186 |
3,534,000 |
2,926,950 |
82.82% |
| 187 |
3,553,000 |
2,944,520 |
82.87% |
| 188 |
3,572,000 |
2,962,100 |
82.93% |
| 189 |
3,591,000 |
2,979,670 |
82.98% |
| 190 |
3,610,000 |
2,997,250 |
83.03% |
| 191 |
3,629,000 |
3,014,820 |
83.08% |
| 192 |
3,648,000 |
3,032,400 |
83.13% |
| 193 |
3,667,000 |
3,049,970 |
83.17% |
| 194 |
3,686,000 |
3,067,550 |
83.22% |
| 195 |
3,705,000 |
3,085,120 |
83.27% |
| 196 |
3,724,000 |
3,102,700 |
83.32% |
| 197 |
3,743,000 |
3,120,270 |
83.36% |
| 198 |
3,762,000 |
3,137,850 |
83.41% |
| 199 |
3,781,000 |
3,155,420 |
83.45% |
| 200 |
3,800,000 |
3,173,000 |
83.50% |
| 201 |
3,819,000 |
3,190,570 |
83.54% |
| 202 |
3,838,000 |
3,208,150 |
83.59% |
| 203 |
3,857,000 |
3,225,720 |
83.63% |
| 204 |
3,876,000 |
3,243,300 |
83.68% |
| 205 |
3,895,000 |
3,260,870 |
83.72% |
| 206 |
3,914,000 |
3,278,450 |
83.76% |
| 207 |
3,933,000 |
3,296,020 |
83.80% |
| 208 |
3,952,000 |
3,313,600 |
83.85% |
| 209 |
3,971,000 |
3,331,170 |
83.89% |
| 210 |
3,990,000 |
3,348,750 |
83.93% |
| 211 |
4,009,000 |
3,366,320 |
83.97% |
| 212 |
4,028,000 |
3,383,900 |
84.01% |
| 213 |
4,047,000 |
3,401,470 |
84.05% |
| 214 |
4,066,000 |
3,419,050 |
84.09% |
| 215 |
4,085,000 |
3,436,620 |
84.13% |
| 216 |
4,104,000 |
3,454,200 |
84.17% |
| 217 |
4,123,000 |
3,471,770 |
84.20% |
| 218 |
4,142,000 |
3,489,350 |
84.24% |
| 219 |
4,161,000 |
3,506,920 |
84.28% |
| 220 |
4,180,000 |
3,524,500 |
84.32% |
| 221 |
4,199,000 |
3,542,070 |
84.36% |
| 222 |
4,218,000 |
3,559,650 |
84.39% |
| 223 |
4,237,000 |
3,577,220 |
84.43% |
| 224 |
4,256,000 |
3,594,800 |
84.46% |
| 225 |
4,275,000 |
3,612,370 |
84.50% |
| 226 |
4,294,000 |
3,629,950 |
84.54% |
| 227 |
4,313,000 |
3,647,520 |
84.57% |
| 228 |
4,332,000 |
3,665,100 |
84.61% |
| 229 |
4,351,000 |
3,682,670 |
84.64% |
| 230 |
4,370,000 |
3,700,250 |
84.67% |
| 231 |
4,389,000 |
3,717,820 |
84.71% |
| 232 |
4,408,000 |
3,735,400 |
84.74% |
| 233 |
4,427,000 |
3,752,970 |
84.77% |
| 234 |
4,446,000 |
3,770,550 |
84.81% |
| 235 |
4,465,000 |
3,788,120 |
84.84% |
| 236 |
4,484,000 |
3,805,700 |
84.87% |
| 237 |
4,503,000 |
3,823,270 |
84.90% |
| 238 |
4,522,000 |
3,840,850 |
84.94% |
| 239 |
4,541,000 |
3,858,420 |
84.97% |
| 240 |
4,560,000 |
4,560,000 |
100% |
③ 회원이 제 5조에 따라 납입금을 할인 받았을 경우 제2항의 해약환급금 산식에 규정된 납입금은 할인에 의해 실제로 지급한 금액이 대상이 되며 할인분은 포함되지 아니한다.
④ 중도 해지 시 상조 환급금은 공정거래위원회 표준 약관의 환급 기준에 따른다.
⑤ 회원의 신청에도 불구하고, 3영업일 이내에 해약환급금을 지급하지 못할 경우에는 그 지연일수에 15%의 지연이자율을 적용한 지연이자를 지급하여야 한다.
⑥ 제 1 항에 따라 회원이 계약을 해지하고자 할 경우 아래 구비서류를 제출하여야 한다.
- 회원본인 : 회원증서, 해약 신청서
- 대 리 인 : 회원증서, 위임장, 해약 신청서
⑦ 회사가 자기의 책임 있는 사유로 상조서비스 제공의무를 이행하지 아니한 경우 회원은 계약을 해지하고 손해배상을 청구할 수 있다.
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