International Remittance Transaction Regulations

JPY, Inc. (hereinafter referred to as "Company") provides the following international remittance service and international remittance receipt service (hereinafter referred to as "this service", defined in Article 1): The International remittance Transaction Regulations (hereinafter referred to as “the Regulations”) are established as follows. When using this service, individual or corporate customers (hereinafter collectively referred to as "customers") should fully understand the contents of this policy and agree to the policy before using this service. 

Chapter 1 General 

Article 1 (Definition)

Unless otherwise defined, the meanings of terms used in this regulation are as follows.

① This service:

International remittance service or international remittance receiving service defined in ② and ③ of this article.

② International remittance service:

A service that enables international remittance beneficiary to receive remittances at our international remittance business partners (hereinafter referred to as “remittance business partner”) or at their dealers, based on requests from customers for remittances.

③ International remittance service:

A service that allows a customer to receive the money sent by a remittance business partner or its dealer, based on a request from the customer.

④ Remittance business partner:

A company with which Company is affiliated so that the Beneficiary can receive the amount of money sent by the remittance client in this service

⑤ Temporary registration member:

In order to use this service, individual customers who have completed the provisional registration for using this service in accordance with the procedures prescribed by Company.

⑥ Registered member:

Customers who have made a temporary registration to use this service and then who have completed registration for using this service based on the procedures prescribed by Company.

⑦ Member:

Temporary registered members and main registered members

⑧ Registration information:

Information registered and registered by the member to use this service

⑨ Member site:

Websites and mobile websites operated exclusively by Company

⑩ User ID:

Character string unique to the member for using this service (Unless otherwise specified, the member will use the e-mail address registered in the registration information as the user ID.)

⑪ Password:

Encryption set uniquely by the member corresponding to the user ID

⑫ Remittance reserve:

Reserve money for main registered member to send money using this service

⑬ Use account:

A dedicated account to manage remittance reserves or remittance beneficiary assigned by Company to registered members

⑭ Remittance fee:

Fees paid by the Registered Member to Company when the Registered Member uses the Service to send money

⑮ Deposit fee:

A fee paid by a registered member when depositing a remittance reserve into a user's account using a convenience store payment slip or bank transfer

⑯ Withdrawal fee:

The fee that the registered member pays to Company when it receives a refund from Company for the remittance reserve that has been deposited in the used account

⑰ Reassembly fee:

A fee paid by the registered member to Company if the remittance cannot be performed due to incorrect input or incomplete application contents

Article 2 (use of this service)

1 In order to use this service, it is necessary to become a registered member of our company in advance in accordance with the provisions of Articles 3 and 4.

2 Registered members can use this service based on this regulation.

3 Registered members are required to have an environment that can connect to the Internet and a system such as a personal computer or mobile phone in order to use this service.

4 The service date and usage time of this service shall be the day and time specified by Company. Company may change this without prior notice.

Article 3 (provisional registration)

1 In using this service, the customer shall apply for provisional registration in advance by the procedure prescribed by Company after agreeing to this rule.

2 Among the customers who have applied for provisional registration, the one who Company deem appropriate is a provisionally registered member, and the customer is required to follow the procedures prescribed by Company based on the "Act on Prevention of Transfer of Income from Crime". Identity verification, "Law concerning the use of numbers to identify specific individuals in administrative procedures" (My Number Act) and "Records relating to international remittances to ensure proper taxation of domestic taxes" In accordance with "Act on Submission, etc.", Company will confirm the personal number (My Number) of the temporary registered member by the procedure prescribed by Company.

3 If Company determines that it is necessary, it may contact the temporary registration member by telephone etc. or request the submission of necessary documents again for reconfirmation of the person, and the temporary registration member consents in advance to this.

4 Company can cancel the registration of the temporary registration member in those cases as below: If Company are unable to contact the temporary registration member based on the preceding paragraph. If Company are unable to contact Member even though Company requested the submission of the necessary documents again, or Company is unable to confirm other appropriate confirmation of the identity for the temporary registration member.

Article 4 (Main registration)

1 Company shall be able to complete the main registration procedure if it confirms the individual number (my number) of the temporary registration member and the person him/herself. In this case, Company shall notify the concerned member of the completion of the main registration procedure by short message service (SMS) using the mobile phone number included in the registered information or by email.

2 Even if the main registration procedure is completed, if the provisional registration or main registration procedure is found to be incomplete, Company is able to cancel the main registration or stop providing the service.

Article 5 (Account for using this service)

1 Company, for each customer, will allocate the service usage account (hereinafter referred to as the "usage account") to manage the remittance reserve and the money received by the international remittance receiving service (hereinafter referred to as "remittance receipt").

2 The following methods are used by customers to deposit money into their accounts. The deposit will be made in Japanese Yen.

(1) Deposit by bank transfer

(2) Payment by convenience store payment slip

3 The upper limit of the account balance of the remittance reserve in the account used by the customer is 1,000,000 yen. Company will contact Member to refund any deposit that exceeds your account balance.

4 Since the remittance reserve in the use account is a temporary deposit for remittance, please perform remittance within 7 days after depositing in the use account. For remittance reserves over 7 days, the withdrawal fee will be deducted from the balance of the remittance reserve and refunded. If the balance of the remittance reserve is less than the withdrawal fee, Company will not refund the remittance reserve.

5 The deposit to the user account is only a deposit as a remittance reserve, and it is different from a deposit or savings made by a bank, etc. or a term product (including Banking Act (Act No. 59 of 1981 and subsequent amendments) that refers to the term deposit, etc. defined in Article 2 paragraph 4). Any interest will not be given to the money deposited into this account.

6 The customer shall bear the transfer fee incurred when the customer deposits money into the account using the method set forth in paragraph 2, item 1 of this article. In doing so, the customer shall pay payment fee specified in Article 29, Paragraph 2 Item 2.

7 Customers can check the record of deposits and withdrawals to and from their accounts, the balance of remittance reserves for their accounts, and the records of use of this service on the member site.

8 Company will keep a record of your use of the Service for a reasonable period of time. In the unlikely event that a doubt arises between Company and the customer regarding the content of use of this service, Company shall treat our records as valid.

Article 6 (Refund of Remittance Reserve)

1 Customers can refund the remittance reserve from their account through the procedures prescribed by Company on the websites and mobile websites operated by Company (hereinafter referred to as "Company's site").

2 Refunds shall be limited to transfers to a bank deposit account in the name of the customer, and if fees are incurred for refunding, the customer shall bear the costs.

Article 7 (User ID / Password Management)

1 The customer is responsible for managing the user ID and password with attention so that they are not known to third parties.

2 Member cannot register the same password as the user ID, or the one with the date of birth and the same number in succession. In addition, customers should avoid specifying numbers that are easily guessed by others, such as telephone numbers.

3 If the password is forgotten or there is a possibility that it was known to a third party, the customer shall immediately perform the password change procedure by the method prescribed by Company.

4 Company shall not be liable for any loss, damage or expenses incurred by the customer's knowledge of the User ID / Password to a third party, unless Company has a willful or gross negligence. will do. In addition, the customer is responsible for the activities and actions that occur in the user ID.

5 Neither our company nor our affiliates, related financial institutions, third parties such as police will ask for your personal identification number by phone or e-mail. The customer shall immediately notify Company if there is any suspicion of unauthorized use of the user ID or password.

Article 8 (Identification of members)

1 Identity verification by user ID and password:

Company will verify the match by checking the user ID / password entered when the customer logged in to the member site or using this service with the user ID / password already registered. Member will be asked to confirm your identity. If the customer is treated as a legitimate user by such identification, and if the user ID / password is forged, altered, plagiarized, illegally used, or any other accident occurs, Company will handle it. Company consider the transaction to be valid, and Company shall not be liable for any damage caused by this.

2 Identity verification by a registration stamp (excluding individual customers):

For corporate customers, in addition to the method stipulated in the preceding paragraph, it is possible to verify the identity by matching the seal imprint used on the documents prescribed by Company with the registration stamp registered with Company and confirming the match. When the imprint used on various invoices, notifications, and other documents is collated with the registration stamp registered with Company with due care and the customer is deemed to be the legitimate user and handled, Company considers that the transaction related to the handling is valid even if there is forgery, alteration, plagiarism, misuse, or other accidents with respect to those documents. Company shall not be responsible for any damage caused by this, and shall not be held responsible. If customer loses the registration stamp, notify Company immediately and follow the procedures prescribed by us. Immediately after receiving the notification, the transaction limit will be set. Company shall not be liable for any damages caused to the customer before the above notification due to the use of the registration stamp by the third party.

3 Reconfirmation of the person if necessary:

Company will provide our customers with the “Act on Prevention of Transfer of Revenue from Crimes”, “Act on the Use of Numbers to Identify Specific Individuals in Administrative Procedures” (My Number Act) and “Appropriate Domestic Tax If it is necessary to verify your identity by requesting relevant laws and regulations, such as the "Law concerning the submission of records relating to international remittances to ensure taxation," or if Company deems it necessary, it is necessary to specify it again. Company may ask Member to submit documents. If these required documents are not submitted by the method prescribed by our company (if Company are non-delivered and returned to us, if Company can not contact Member despite contacting us, other appropriate confirmation of your identity) In some cases, including cases where it is not possible), Company may suspend all or part of the transactions of the customer concerned or cancel the membership registration based on our judgment. Company shall not be liable for any damages caused by this.

Article 9 (Changes in registration items)

1 Customers are required to change their name (corporate name in case of corporation), address, registration stamp (excluding individual customers), phone number, e-mail address, work place, and other registration items, or If any changes are made, they will be immediately notified to Company by the method prescribed by Company. Company shall not be liable for any damages caused to the customer as a result of the change before Company completes the necessary change procedure for the notified content.

2 If the customer changes the registration items, Company will confirm the identity as stipulated in Article 8 paragraph 3 as necessary.

3 Company shall not be liable for any damages caused to customers due to inadequate registration items or failure to change the registration items.

Article 10 (Method of notification and Announcement)

1 When a customer makes a notification or notification based on this regulation, the notification or notice shall be posted on our member site, short message service (SMS), email or other method. I agree to be done by.

2 When Company send a notification to a registered e-mail address, telephone number, or address, Company will postpone or arrive due to communication circumstances, incomplete / unchanged registration information, or other reasons not attributable to our responsibility. If Member do not do so, Member agree that Company will consider Member to have arrived when Member normally should.

Article 11 (Stop of this service)

1 Company may suspend the provision of this service in part or in whole due to maintenance of the system related to the provision of this service.

2 When Company stops this service, it shall post it on our site. However, if Company determine that an emergency is required due to a system failure, Company may suspend part or all of this service without prior notice.

Article 12 (Prohibition of transfer, pledge)

Regarding Status of transactions with Company and all other rights related to transactions with Company, Member may not assign, lend, pledge or otherwise set the rights of a third party or let a third party use it without our consent.

Article 13 (Prevention of money laundering, refusal of transactions with anti-social forces)

1 Our company is prohibited from dealings with specific countries, groups and individuals by the "Act on Prevention of Transfer of Revenue from Crimes" in Japan and various other applicable laws and regulations. In addition, Company does not engage in any transactions with persons who are judged to be antisocial forces, and does not respond to violent demands made by antisocial forces or unreasonable demands beyond legal liability.

2 Company will examine all transactions against the list provided by the governments of the countries and regions in which Company makes business and the list of anti-social forces. If Company find a transaction that may match our list, Company may ask Member for additional identity verification documents and any other information or documents Member may find necessary. This may delay the service or refuse to provide the service. Regarding such delay or suspension of service provision, the customer cannot make any objection to Company and cannot claim damages or any other claim.

3 Customers who use this service must represent and guarantee that none of the following applies.

(1) Boryokudan, etc.

(A) A group that may encourage a violent group (members of the group (including members of the group) to commit violent tort collectively or habitually.)

(B) Gangsters (meaning members of gangsters; the same applies hereinafter)

(C) Person who has not passed 5 years since he was no longer a gang member

(D) Criminal organization associate members (those who have relationships with gangs other than gangsters and who may perform violent illegal acts against the background of the power of gangsters, or funds or weapons against gangsters or gangsters) Persons who cooperate with or are involved in the maintenance or operation of gangs, such as by supplying

(E) Companies related to gangsters (Companies in which gangsters are substantially involved in their management, companies that are associate members of gangsters or companies run by former gangsters, etc. Means a company that cooperates with or is involved in, or a company that actively uses a gang in the execution of business, etc. and cooperates in the maintenance or operation of a gang.)

(F) General meeting store, etc. (meaning a person who may perform violent and illegal acts, etc., seeking unfair profits for companies such as general store, company Goro, etc., and poses a threat to the safety of civil life.)

(G) Social movement marking Goro (a person who disguise or mark a social movement or political activity and may perform violent illegal acts in search of improper profits, who poses a threat to the safety of civil life. Say.)

(H) Special intelligence violence groups, etc. (because of their relationship with gangs other than those listed in (A) to (G) above), use their power or have financial ties with gangs, and Refers to the group or individual that is the core of fraud.)

(I) Others who follow the above (A) to (G)

(2) Other parties

(A) A person who has a relationship in which it is recognized that the person who falls under any of the above ① (A) to (H) (hereinafter referred to as “gang members, etc.”) controls the management

(B) Persons who have a relationship in which it is recognized that gangsters are substantially involved in management

(C) A person who has a relationship deemed to be unlawfully using a gangster, for the purpose of making an unfair advantage of himself, his company, or a third party, or for the purpose of damaging a third party.

(D) A person who has a relationship deemed to be involved in providing funds, etc. to gangsters, or providing convenience

(E) Persons whose officers or persons substantially involved in management have a relationship that should be denounced socially with gangsters, etc.

Article 14 (Delete membership registration)

1 If the customer wishes to terminate the use of this service, he / she can cancel the membership registration by following the procedure prescribed by Company.

2 If the remittance reserve has been deposited in the account during the membership registration deletion procedure set forth in the preceding paragraph, Company shall refund the remittance reserve to the deposit account in the name of the customer designated by the customer. By doing so, Company are free of all liability to our customers. In addition, Company will not refund the remittance reserve by any method other than the above transfer.

3 The customer shall bear the withdrawal fee from the balance of the remittance reserve when receiving the refund in the preceding paragraph. If the balance of the remittance reserve is less than the withdrawal fee, Company will not refund the remittance reserve.

4 Company shall retain non-refundable remittance reserves for one year from the date of deregistration of the customer. After the storage period, regardless of the reason, Company will not be liable for refund.

5 If any of the following items applies, Company may immediately suspend all or part of this service and cancel the membership registration without notifying the customer in advance. In addition, regarding the handling of the remittance reserve that was deposited in the account when the membership registration was deleted according to this section, the provisions of paragraph 2 of this Article shall be followed. In addition, Company shall not be liable for any damages caused to customers due to suspension of this service or deletion of member registration. In addition, Company may not be able to answer the reason for stopping all or part of this service or deleting the member registration to the customer.

(1) When there is a request for payment suspension or bankruptcy proceedings, civil rehabilitation proceedings, corporate reorganization proceedings or special liquidation proceedings

(2) When a temporary seizure, maintenance seizure or seizure order, or notification is sent.

(3) When inheritance starts

(4) When the whereabouts of the customer is unknown

(5) When the customer has not used this service for more than 2 years

(6) When the public identification document presented by the customer to our company has expired.

(7) When this service is used for acts that violate laws and public order and decency

(8) When it becomes clear that the customer does not actually exist, or when it becomes clear that the member has been registered regardless of the customer's intention.

(9) When it is revealed that the content of the customer's notification is false, or when it is found that the document submitted by the customer is not authentic.

(10) If Member requested to submit the necessary documents again for reconfirmation of your identity, etc., but Member did not submit it (If Member do not contact Company by the deadline specified by us, submission sent to the address delivered to you) (Including cases where the notification letter requesting for delivery was returned to Company due to non-arrival, and the delivery phone number etc. could not be contacted.)

(11) When the customer violates this regulation and each transaction regulation, and when it corresponds to any of the reasons for cancellation of the regulation regarding each transaction with us.

(12) In accordance with the "Act on Prevention of Transfer of Revenue from Crimes", despite the request for cooperation in the interview survey or submission of documents supporting the hearing result for the purpose of monitoring transactions, the response to the interview survey was refused. , Or if Member do not submit supporting documents (if Member do not contact Company by the date specified by us, if the notification request for submission sent to the address delivered by the customer is returned to Company due to non-delivery, and (Including cases where it is not possible to contact the delivered telephone number, etc.)

(13) In addition to the matters listed in the preceding items, when Company reasonably judges that a considerable reason for requiring the suspension of the Service has occurred.

Article 15 (Adult Guardian Notification)

In the event that assistance, support, guardianship has begun based on the refereeing of the family court to the customer, or if a voluntary guardianship supervisor has been appointed, the name of the adult guardian or voluntary guardianship supervisor and other necessary matters are written. Please notify Company immediately by. Also, if any of these circumstances change or Member are already in such a situation, please notify Company immediately. Company shall not be liable for any damages incurred by the customer if these notifications are neglected.

Article 16 (Disclaimer due to system failure, disaster)

Company shall not be liable for any damages caused by any of the following items.

(1) Damage caused by unavoidable reasons such as disasters, incidents, wars, accidents during transportation, restrictions by laws and regulations, measures of the government or public institutions such as courts

(2) Damages caused by the failure of terminals, communication lines, computers, etc., or the loss of telegraph characters, errors, omissions, etc., which occurred even though Company has taken appropriate safety measures.

(3) Damages caused by handling by related financial institutions in accordance with the customs of the country in which they are located or by the related procedures of the relevant financial institutions, or by reasons attributable to the financial institutions other than Company.

(4) Damage caused by reasons attributable to the remittance client, such as differences in recipient names.

(5) Damage caused by the message from the remittance client to the recipient.

(6) Damage related to the cause of remittance between the remittance client and the recipient or a third party.

(7) Damages occurring before receiving the notification form regarding the use of the adult guardianship system.

(8) Other damages caused by reasons other than those attributable to our responsibility.

Article 17 (Limitation of Liability)

In the provision of this service, unless otherwise provided by Japanese law, in any case such as delay, non-delivery, non-payment or underpayment of the service, Company and the remittance business partner shall not be liable for damages exceeding the remittance amount paid by the customer. Company will not be liable for any damages in excess of the amount paid by you. In addition, Company shall not be liable for any delay, non-delivery, non-payment or underpayment due to reasons beyond our control such as due to the laws of the local country. In no event shall Company and the remittance business partners be liable for incidental, indirect or consequential damages.

Article 18 (Compliance with laws and regulations)

Regarding transactions with Company, the laws and regulations, rules, customs and practices of Japan and other related countries, and the procedures prescribed by Company and the remittance business alliance partner shall apply to matters not stipulated in this provision.

Article 19 (Change of regulations)

Our company may change the content of this regulation. In that case, the changed content and the modified date will be posted on our website and announced, and after the modified date, the modified content will be handled.

Article 20 (Governing Law and Designated Dispute Resolution Organization)

This service and the relationship between the customer and Company are based on and interpreted by Japanese law. 

Article 21 (Agreed Jurisdiction)

If a lawsuit is required for this provision, the Tokyo District Court shall have exclusive jurisdiction.

Article 22 (Personal information protection)

1 The Company shall be able to provide customers or transactions information (“Personal Information”) to our head office, subsidiaries, affiliates, agents or affiliated financial institutions etc. (Including those who are located overseas) to the extent necessary for the performance of Company's business related to the storage and management of personal information, the provision of this service and the introduction of other product services of our company.

2 If Company is required to submit customer information due to laws and regulations, judicial procedures or other legal procedures, or requests from government agencies, Company may comply with the request.

3 In addition to this section, regarding the handling of personal information, Company follows its "Personal Information Protection Policy" and the "Law Concerning the Protection of Personal Information" in Japan, the laws and regulations related to the Information Protection Act, and the Guidelines for Personal Information Protection Act in the financial field.

4 Our "Personal Information Protection Policy" is posted on our website.

Chapter 2 (International Remittance Service)

Article 23 (Application for remittance)

1 Remittance application for this service shall be made by the customer by accessing the member site and following the method and operation procedure prescribed by Company. When applying for remittance, it is necessary to verify your identity using a password.

2 The customer should confirm the contents of the confirmation screen displayed on the member site when applying for remittance according to the procedures prescribed by Company. If Member change or cancel your application, please follow the procedures prescribed by our company and change or cancel your application. If confirmation is not made within the time specified by Company and it does not arrive at Company, the remittance application will be treated as canceled.

3 The remittance application for this service will be completed when the confirmation in the preceding paragraph arrives at Company within the time prescribed by our company and when our computer processing is completed. Note that Company will not be liable for any damages resulting from incorrect input or incompleteness in the application details.

4 After completing the remittance application described in the preceding paragraph, Company will confirm the application contents based on the standards prescribed by Company. If Company determine that there is no problem as a result of confirming the application details, Company will accept the remittance application. At the time of such consent, an individual contract for remittance entrust between Company and the customer (hereinafter referred to as "remittance contract") shall be concluded. Company will notify the customer of this confirmation result by the method prescribed by Company.

5 As a result of the confirmation in the preceding paragraph, if Company determines that there is a problem with the application details, Company will not accept the application and the remittance application will be deemed to have been canceled. In addition, Company shall notify the customer of the result of such confirmation by the method prescribed by Company.

6 At the time of the application, if the remittance reserve for the customer's account is less than the remittance amount, the customer can transfer the money by newly depositing the money into the account. In this case, within the period specified by the Company after the application is completed, the amount of remittance plus the fee specified in Article 27 will be credited to the account by the method selected during the application procedure.

7 In the case of the preceding paragraph, the remittance contract shall be concluded when the Company confirms the deposit in the preceding paragraph and the remittance application for the international remittance service passes the examination prescribed by the Company. If the application does not pass the examination, the application is considered canceled. In addition, we will notify the customer of the examination result by the method prescribed by the Company regardless of whether it passes or fails. If you do not pass the examination, the money deposited by the customer in accordance with the preceding paragraph will be treated as payment for the remittance reserve to the account.

8 If the Company is unable to confirm payment to the remittance account by the payment deadline (the next business day if the deadline falls on the Company's holiday) set forth in paragraph 6 of this Article, the relevant international remittance It is assumed that the application for remittance of the service has been canceled by the customer himself.

9 It is the customer's responsibility to secure an environment in which the device (Devices/communication media such as personal computers, modems, mobile phones, etc.) used by the customer can operate normally, and we do not guarantee that the device used by the customer will operate normally. In the unlikely event that damage occurs due to the device not working properly, we shall not be liable for such damage.

Article 24 (Execution of remittance)

1 Company shall promptly carry out the remittance procedure through the partner of the Remittance Business of Company (hereinafter referred to as “Remittance Business Partner”) when the remittance contract is concluded.

2 Company shall issue a notice of completion of the remittance instruction to the customer when the remittance instruction requested by the customer is transmitted to the remittance business partner.

3 As necessary, Company shall transmit the information necessary for fulfilling the remittance contract with the registered member to the remittance business partner. Company may also share this information with our business partners to improve our Services.

4 The customer consents to the disclosure of the customer's information from the Company to the remittance business partner in carrying out the remittance procedure by the Company, in the following cases: (i) Providing the Service For any purpose, (ii) for the purpose of conducting co-marketing within the legal scope, (iii) for money laundering or terrorist financing and for administrative reasons. In addition, the customer shall share the information with the remittance business partner with the dealer, parent company or affiliated company (including those not established in Japan) of the remittance business partner only for the purposes listed above. I agree with The Company and remittance business partners shall not share customer information with third parties unless legally required.

5 Company and Remittance Business Partners shall not be liable for any loss or damage caused by the handling described in the preceding paragraph, except in the event of gross negligence of Company or Remittance Business Partnership.

6 Company set separate rules for the amount of money that can be sent by the customer, the maximum amount of money per day, the total amount of money per month, and the maximum number of transactions per month (last 30 days). 

7 As a general rule, Company will complete international remittance to the remittance business partner or its dealer within 1 business day after confirming the sufficient remittance reserve necessary for remittance in the customer's account.

8 When Company send money, Company will issue a receipt for the contract. Please keep this receipt in a safe place as Member may need it in case of remittance or cancellation.

9 As a general rule, the Beneficiary will be able to receive the money related to the remittance at the remittance business partner or its dealer when the international remittance described in the preceding paragraph is completed. However, in the following cases, it may take up to several business days from the completion of the remittance application by the customer until the Beneficiary can actually use the cash amount. Please note that in advance.

(1) When the remittance business partner or the dealer of the remittance business partner is out of the business hours

(2) When a financial institution of the country of Beneficiary to receive money requires a certain date and time for system processing

(3) In addition to the cases stipulated in the preceding items, when certain procedures are required for receipt due to circumstances peculiar to the recipient country

(4) Remittance is suspended by the remittance business partner's judgment

10 Member can check the status of your remittance application by logging in to the member's site, etc. and viewing it on the screen designated by Company.

Article 25 (receipt by the Beneficiary)

1 Regarding the receipt of the remitted money by the Beneficiary, the registered member and the Beneficiary shall comply with the laws and regulations of the respective countries of the recipient of the remittance, or the rules established by the partner of Company.

2 Regardless of the previous paragraph, the Registered Member acknowledges in advance that it may take up to several business days from the completion of the remittance application by the Registered Member until the remittance recipient can actually use the funds.

Article 26 (Cancellation of remittance contract)

(1) Even after the remittance contract has been established, if the company finds that one of the following items applies before the beneficiary receives the money for the remittance, the remittance contract can be immediately canceled and the remittance procedure can be suspended. In addition, the company may not be able to answer the reason for the cancellation to the customer. In this case, Customer assumes in advance that Company will not refund the money, remittance fees and deposit fees covered by the Remittance Agreement.

(1) When the customer's remittance violates Japanese foreign exchange-related laws and regulations or when the relevant authorities suspend foreign exchange transactions.

(2) When the customer's remittance is subject to restrictions on foreign exchange-related laws that require prior approval and notification from relevant authorities, etc.

(3) When a customer applies for remittance on behalf of a third party

(4) When the content of the customer's remittance application is found to be false or not true, or when Company determines that the remittance procedure needs to be stopped.

(5) When it is determined that the customer's remittance is a crime or other public order and morals

2 Even after the remittance contract is established, Company may immediately terminate the remittance contract and suspend the remittance procedure if one of the following items applies. In this case, Company will return the money and remittance fees covered by the remittance contract to the registered account of the registered member in Japanese Yen.

(1) When a war, civil war, natural disaster, labor dispute, riot, terrorism, strike, etc. occur or are likely to occur.

(2) When the following events occur or may occur to business partner, freeze assets, suspend payments, initiate bankruptcy proceedings, initiate civil rehabilitation proceedings, initiate corporate rehabilitation proceedings, initiate special liquidation, commencement of bankruptcy proceedings, etc.

(3) In addition, when remittance is refused by the judgment of our remittance business partner.

3 Regardless of the preceding two paragraphs, if the Beneficiary does not receive the money even if 30 days have passed after the completion notification of the remittance instruction (including the same day), The money covered by the remittance contract will be stored at our remittance business partner. and the Beneficiary will no longer be able to receive the money. In order for the customer to receive the refund of the money, it is necessary to perform the remittance cancellation procedure specified in Article 29.

4 Company shall not be liable for any loss or damage incurred by a customer due to the termination of the remittance contract prescribed in the preceding three paragraphs.

Article 27 (Exchange rate)

1 Remittance application to our company shall be made in Japanese Yen. Customers can specify the amount of money to be received on the application screen in a currency other than Japanese Yen (hereinafter referred to as "receipt currency") specified by Company. However, the amount of the receiving currency indicated on the application screen is displayed as a reference, and the amount of the receiving currency actually converted will be the amount converted according to the following paragraphs.

2 In principle, when the Beneficiary receives the money related to the remittance, it shall be in the receiving currency. The exchange rate applied for conversion (hereinafter referred to as "exchange rate") is based on the exchange rate set by Company at the time the remittance contract was concluded. As prescribed in Article 23 - 4, the time when the remittance contract is established means the time when Company confirms that there is no problem as a result of confirming the customer's application contents, and then approves the application. Please note that this is not necessarily the time when the customer's remittance application is completed.

3 The exchange rate set forth in the preceding paragraph is revised daily and may be changed once or several times during the day.

4 As a result of applying the exchange rate specified in Paragraph 2 of this Article, if a number less than one currency unit occurs in the receiving currency, the receiving currency less than one currency unit will be rounded down.

5 The exchange rate specified in Paragraph 2 of this article will be displayed on the confirmation screen of the remittance application of the international remittance service. Please note that the exchange rate is a reference rate only and does not necessarily guarantee conversion at that rate.

Article 28 (Fee)

1 The customer shall pay the fee specified by Company when using this service.

2 The following fees will be paid by the customer to Company in addition to those specified in this regulation. The amount of each fee is as posted on our website.

(1) Remittance fee

(2) Deposit fee

(3) Withdrawal fee

(4) Get back fee

3 Regarding the remittance fee mentioned in item 1 of the preceding paragraph, please confirm it on the confirmation screen displayed on the member site when applying for remittance of international remittance service and pay it to Company when applying for remittance.

4 The remittance fee of item 4 of paragraph 2 of this article will be incurred if the remittance cannot be executed due to an error in the customer's input or incomplete application. Company will deduct the amount equivalent to the remittance fee for the remittance and then return the money related to the remittance to the customer's account in Japanese yen. In addition, the amount equivalent to the deposit fee of item 2 of paragraph 2 of this article will not be returned.

5 Company may change the fee for this service without notifying the customer in advance. In this case, Company will notify Member by posting the date of change and the details of the change on our website.

6 If the customer cannot complete the remittance due to a mistake in the entry or the application details are incorrect, or if the customer cancels the remittance application, the cancellation fee of item 2, paragraph 4 of this Article will be incurred. We will deduct the cancellation fee equivalent to the remittance and refund the money related to the remittance to the customer's account in Japanese yen. In addition, the amount equivalent to the deposit fee of item 2 of item 2 of this article will not be returned.

7 We may change the fee for this service without notifying the customer in advance. In this case, we will notify you by posting the date of change and the details of the change on our website.

Article 29 (Cancellation of remittance)

The customer shall be able to cancel the remittance application and cancel the remittance contract Until the beneficiary receives the remittance. If the customer cancels the remittance submission or the remittance contract, Company will refund the amount deducted from the remittance fee and get-back fee to the customer's account in Japanese yen. In addition, if Customer cancel the payment after it is no longer received because beneficiary has not received the money within 30 days, according to Article 26 paragraph 3, the deposit fee and remittance fee equivalent to those specified in the same paragraph 2 item 2 will not be returned. 

Article 30 (Change of remittance)

If the customer wishes to change the remittance application, cancel the remittance prescribed in Article 29 and then re-submit the remittance application prescribed in Article 23.

Article 31 (Implementation of monitoring)

1 In order to comply with related laws and regulations such as the Act on Prevention of Transfer of Revenue from Crimes (Law No. 22 of 2007, including amendments thereafter), we will monitor the Customer usage of international remittance based on the predetermined rules. If the Company deems it necessary, Company is able to conduct a hearing survey on the purpose of remittance, the relationship with the recipient of the remittance, the income of the customer, etc. by a method prescribed by the Company such as a telephone.

2 As a result of the hearing survey in the preceding paragraph, Company may request the customer to submit the documents deemed appropriate by Company in order to support the contents of the hearing in the preceding paragraph, when it is determined to be necessary.

3 As a result of the investigation in the preceding paragraph 2, Company is able to change the remittable amount specified in Article 24, paragraph 6, or suspend the use of the international remittance service or delete the registration, based on our judgment. In some cases, Company may not be able to answer the reason for such changes, suspension of use or deregistration.

Chapter 3 (International Remittance Receipt Service)

Article 32 (Receipt Application for remittance from overseas)

1 Customer can receive money from outside Japan through remittance business alliance partners in Japan using the international remittance receiving service (hereinafter referred to as “remittance receipt”).

2 If a payment instruction for remittance transaction arrives from international and Company determine that there is no problem with the content, Company will notify the customer of the remittance content.

3 Remittance shall be made based on the method and operation procedure specified by Company, by the customer accessing the member site of Company. In addition, when applying for remittance, it is necessary to verify your identity using a password.

4 When Company receives an application for receipt of remittance from a customer and, in accordance with Article 8, when it is determined that the application is made by the customer himself, Company will send the received request for remittance receipt to the customer's device. 

5 The customer should confirm the content returned by the preceding paragraph according to the procedure prescribed by Company. If Member change or cancel the application for receiving the remittance, please change or cancel the application according to the prescribed procedure. If the confirmation does not reach Company within the time specified by us, the request for receipt of the remittance will be treated as canceled.

6 When the confirmation in the preceding paragraph arrives at our company within the time specified by our company and the computer processing of our company is completed, the application for remittance receipt by the customer's international remittance service is completed.

7 After completing the application for receiving the remittance described in the preceding paragraph, Company will confirm the content of the application based on the standards set by Company. If Company determine that there is no problem as a result of confirming the application details, Company will accept the customer's application for remittance. At the time of this consent, a contract regarding the receipt of remittance between Company and the customer (hereinafter referred to as "receipt contract") shall be concluded. In addition, Company shall notify the customer of the result of such confirmation by the method prescribed by Company.

8 The customer cannot cancel the receipt contract after the receipt contract is established pursuant to the provisions of the preceding paragraph.

9 If Company determine that there is a problem with the application for receipt of remittance as a result of the confirmation in paragraph 7 of this article, Company will not approve the application and Company will assume that the application has been canceled. In addition, Company shall notify the customer of the result of such confirmation by the method prescribed by Company.

10 It is the customer's responsibility to ensure an environment in which the devices (personal computers, modems, mobile phones, and other devices / communication media) that Customer use for transactions operate normally and Company use them for transactions. Company do not guarantee that the device operates normally. In the unlikely event that the device does not operate normally, damage will occur, and Company shall not be liable for such damage.

11 Company is not liable for any damages resulting from the assumption that the application for remittance receipt has been canceled pursuant to the provisions of this Article, as well as any damages resulting from incorrect input contents by the customer or inadequate application contents.

Article 33 (Remittance receipt) (Company prescribed, deposit into wallet, account opening completed)

1 We will transfer the amount of money received after deducting the bank transfer fee from the remittance amount to the bank account in the customer registered in the transaction data with the following deadline: The receipt contract is until 3:00 pm of the day If the contract is concluded on the next business day, and if the contract is formed after 3:00 pm on the same day, the business day after the contract is established

2 Customers can receive remittances of up to 1 million yen per transaction.

3 Member can check the status of receipt of remittance by the customer on the screen specified by Company after logging in to the member site.

4 Company will issue a receipt certificate when the remittance is completed. Please keep this receipt in a safe place as it may be necessary if you are requested to return or cancel the remittance by overseas authorities.

5 Regarding the receipt of remittance by the company, (i) for the purpose of providing this service, (ii) For the purpose of conducting joint marketing within the legally permitted range, (iii) Due to money laundering or terrorist financing and administrative reasons, Company assume that you agree that we may disclose your information to our remittance business partners. In addition, Customer shall agree to share the information with the parent company or affiliated company (including those not established in Japan) of the Company and the remittance business partner for the purposes listed above. Company and the money transfer business partners do not share your information with third parties unless legally required.

6 Company and Remittance Business Partners shall not be liable for any loss or damage caused by the handling described in the preceding paragraph, except in the case of gross negligence of Company or Remittance Business Partner.

Article 34 (Exchange rate)

1 Remittance beneficiary shall be paid in Japanese Yen.

2 The exchange rate applied when converting the local currency of the money to be remitted to Japanese yen is the exchange rate set by the remittance business partner when the remittance client applies for remittance, and it will be converted at the relevant rate.

Chapter 4 (Matters based on the Fund Settlement Act)

Article 35 (Important notice)

1 Members shall use this Service after fully understanding and agreeing to the following items.

(1) This service is not a currency exchange transaction performed by a bank, etc.

(2) This service does not allow Company to accept deposits, savings, term deposits, etc.

(3) This service shall not be subject to payment of insurance money prescribed in Article 53 of the "Deposit Insurance Law" or Article 55 of the "Agriculture and Fisheries Cooperative Savings Insurance Law".

2 In order to secure the obligation to return remittance reserves and the payment obligation of remittance beneficiary to the customer in accordance with Article 43 of the "Financial Payment Act" (hereinafter referred to as "Financial Settlement Act"), Company will preserve the performance guarantee amount specified by the same law and related governmental orders by depositing money to the Tokyo Legal Affairs Bureau. If Company is unable to repay the debt, the customer has the right to receive the performance guarantee prior to other obligatory to Company (hereinafter referred to as the "claim for refund").

3 The claim for refund shall belong to the remittance client until the Beneficiary actually receives the remittance in the international remittance service. After the Beneficiary actually receives the remittance, the remittance client cannot exercise the claim for refund. Also, regarding the international remittance service, the claim for refund shall belong to the Beneficiary. 

4 In the event that the reason set forth in Article 59, Paragraph 2 of the Fund Settlement Act occurs, the remittance client and the Beneficiary (or the customer) shall receive the performance guarantee refund by the refund procedure stipulated in the same clause. 

5 If the reason in the preceding paragraph occurs, the Beneficiary of the international remittance service cannot receive the remittance. In the unlikely event that the Beneficiary of the international remittance service receives the remittance and the reason described in the preceding paragraph occurs and the refund procedure is executed, the remittance client must return the money equivalent to the refunded performance guarantee to Company. 

Article 36 (contact information for customer service)

For inquiries and comments about this service, please use the contact details below.

Business reception hours: (Weekdays) 10:00 – 18:00, (Saturday, Sunday, and holidays) 10:00 – 18:00, (excluding year-end and New Year holidays and company designated holidays)

Address: 5-12 Shimbashi 11-11 Minato-ku, Tokyo 105-0004 JPY, Inc.

【Japanese】

Phone: +81-(0)3-6777-3399

Email: info@jpy.asia

Article 37 (Financial ADR, Complaint Resolution and Dispute Resolution)

The complaint handling measures and dispute resolution measures stipulated by the law concerning fund settlement are as follows.

Based on the Fund Settlement Law, Company take measures under the alternative dispute resolution system (financial ADR system). Customers who use this fund settlement transaction service can use the following external institutions to make complaints and dispute resolution requests.

[Complaint handling measures]

Japan Customer Settlement Association "Customer Service" Phone: +81-(0)3-3556-6261

[Dispute settlement measures]

Tokyo Bar Association Dispute Resolution Center Tel: +81-(0)3-3581-0031

Daiichi Tokyo Bar Association Arbitration Center Tel: +81-(0)3-3595-8588

Daini Tokyo Bar Association Arbitration Center Tel: +81-(0)3-3581-2249

Article 38 (original text)

If there are Japanese and English or other languages in this provision and there is a difference in the content or interpretation, the Japanese provision will take precedence.

MM DD 2019 established

MM DD 2020 revised