This website and business are operated by a single individual, 구정모 (Jeong-Mo Goo), and publish educational digital products under two brands — Dividend Forensics Bureau and See What Others Miss. Payments are processed by Lemon Squeezy, which acts as the Merchant of Record for all purchases (order, billing, tax, and receipts).
This business (“we”, “us”) is operated by 구정모 (Jeong-Mo Goo) as a sole proprietor in the Republic of Korea, and publishes original, self-authored educational digital products under two brands:
All content from both brands is general information, research, and commentary for educational purposes. It is not personalized investment, tax, legal, or financial advice, is not a recommendation or solicitation to buy or sell any security, and does not constitute brokerage, advisory, or asset-management services. We are not a registered investment adviser or broker-dealer, and we make no guarantee of any outcome or return. You are solely responsible for your own decisions and should consult a licensed professional before acting. Past performance does not indicate future results.
You must be at least 18 years old to purchase. You agree to provide accurate information and to keep your account credentials secure. You are responsible for activity under your account.
We offer one-time digital products and recurring memberships. Prices are shown at checkout. Recurring memberships renew automatically at the then-current price until cancelled; you may cancel at any time and retain access until the end of your current billing period. Payments, taxes, and invoicing are handled by Lemon Squeezy as Merchant of Record.
All content and brand names are owned by the operator and protected by copyright and trademark. On purchase you receive a personal, non-transferable, non-exclusive licence for your own non-commercial use. You may not copy, resell, redistribute, publish, or share access to paid content, in whole or in part, without written permission.
You agree not to misuse the service, share login access, scrape or republish content, or use it unlawfully.
The service is provided “as is” without warranties of any kind. To the maximum extent permitted by law, the operator shall not be liable for any indirect, incidental, or consequential damages, or for any investment losses, arising from use of the content. Total liability for any claim is limited to the amount you paid in the prior twelve (12) months.
We may suspend or terminate access for breach of these terms. We may update these terms; material changes will be posted here with a new “last updated” date. Continued use after changes constitutes acceptance.
These terms are governed by the laws of the Republic of Korea, without regard to conflict-of-law rules. Questions: kjong0626@gmail.com.
Payments are processed by Lemon Squeezy as Merchant of Record. Card and billing details are collected and processed directly by Lemon Squeezy under its own privacy policy (lemonsqueezy.com/privacy). We receive only the limited order information above.
To deliver your purchase and provide access; to send service and account emails; to provide support; to comply with legal and tax obligations; and, only with your consent, to send marketing emails (you can unsubscribe at any time).
We share data only with service providers that help us operate — for example Lemon Squeezy (payments), our email/newsletter provider Substack (jungmoku.substack.com), and analytics where used. We do not sell your personal data.
Depending on your location (including under GDPR and CCPA), you may request access to, correction of, or deletion of your personal data, and may object to certain processing. To exercise these rights, email kjong0626@gmail.com. Data may be processed in the Republic of Korea and other countries where our providers operate.
We keep data only as long as needed to provide the service and meet legal obligations, then delete or anonymize it. We use reasonable technical and organizational measures to protect your data.
Privacy questions: kjong0626@gmail.com.
Our products are digital. If you are not satisfied, you may request a refund within 14 days of purchase by emailing kjong0626@gmail.com with your order ID. We grant refunds for unused or substantially unaccessed purchases within this window.
You can cancel a recurring membership at any time and will keep access until the end of the current billing period. We do not provide partial refunds for a period already started, except where required by law. Renewal charges are not refunded after the new period has begun, unless requested within the 14-day window above.
Consumers in the EU/UK and other regions may have a statutory right of withdrawal for digital purchases. Where you expressly consent to immediate delivery and acknowledge loss of the withdrawal right, that statutory right may not apply once access begins. Nothing here limits rights you have under applicable law.
Email kjong0626@gmail.com with your order ID and reason. Approved refunds are issued through Lemon Squeezy to your original payment method, typically within 5–10 business days.