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| Article 8 (Scope of intention or gross negligence) |
| 1. | Where the user has rented a means of access or delegated the use thereof to a third person, or has offered the means of access as an object of transfer or security (excluding cases where an electronic prepayment means or electronic currency is transferred or offered as security under Article 18 of the Act); |
| 2. | Where a means of access is divulged or exposed, or left neglected despite knowing or being able to easily access the information that a third person is able to make an electronic financial transaction using the user’s means of access without authorization; |
| 3. | Where an incident under Article 9 (1) 3 of the Act occurs because the user refuses, without any good cause, to take additional security measures which, in addition to the confirmation under Article 6 (1) of the Act, a financial company or an electronic financial business entity requests to enhance security in electronic financial transactions; |
| 4. | Where an accident under Article 9 (1) 3 of the Act occurs because the user performs any of the following acts with regard to the medium, means, or information used for additional security measures referred to in subparagraph 3: |
| (a) | Divulging, exposing, or leaving it neglected; |
| (b) | Renting it or delegating the use thereof to a third person, or offering it as an object of transfer or security. |