Term of Service

Article 1 (Definitions)

• 1．”Account” means a TransRole account including personal account, company account, and business account.
• 2．”Working Day” means Monday to Friday.
• 3．”Customer Service” means the Company’s online customer support.
• 4．”Amount” refers to the amount of fiat currency in each country that can be used in the Service.
• 5．”Funds” refer to the legal currency or digital currency of various countries that customers can use to transfer or receive money in this service.
• 6．”Payment and remittance” refers to the payment of funds by the customer to the company or the recipient.
• 7．”Information” means personal information, property information, and other information related to the customer or the customer’s business.
• 8．”Refund” refers to the customer’s request to cancel the payment to the debit card company, credit card company, or bank.
• 9．”Periodic payment” refers to the act of automatically issuing a request for payment on a fixed date.
• 10．”Fees” refer to the additional fees incurred when depositing funds, withdrawing funds, remittances, and currency exchange.
• 11．”The Service” refers to all products, contents, functions, technologies, etc. provided by the Company on the Company’s website or other related websites and services.
• 12．”Merchant Account”, which means the same as “Seller”, refers to a user who sells goods or services and uses the Service to charge customers for the goods or services.
• 13．”Unauthorized Transaction” means a personal account remittance without the permission of the customer who opened the account.

Article 2 (Applicable Objects)

• 1．These terms apply to all services provided by the company.
• 2．When the customer completes the login, the company will regard the customer as having agreed to the terms; if the customer does not agree with the terms, the service provided by the company cannot be used.
• 3．When the company transfers the business including this service to a third party, the rights and obligations of the company in these terms and the customer’s personal information will also be transferred to the third party, and the customer is deemed to have agreed to this regulation. Business transfer includes cases where the company ceases to exist due to a merger, or when the company is split.

Article 3 (Changes to Terms of Use)

• 1．If necessary, the company can change the content of these terms or cancel these terms.
• 2．When the company changes or abolishes the content of these terms, it will be notified on the company’s website (hereinafter referred to as this site), and it will take effect from the date of revision.

Article 4 (Registration)

• 1．After the registration application submitted by the customer is approved by the company, the registration is completed. In order to approve the application, the company has the right to require customers to provide more detailed personal information or related information. (Including: Including: personal number, tax number or social security number, confirmation of whether it is the owner of financial services, issuance of credit reports, database of third parties, and verification of personal information through other channels, etc.)
• 2．When the company determines that the applicant has the following circumstances, it can return the application.
  a．When applying for registration using false information
  b．In the event of a violation of these terms, or when there is a possibility of violation of these terms
  c．Other circumstances in which the application is not approved after the judgment of the company.
• 3．When opening an account, be sure to provide correct personal information.
• 4．The Company will verify your identity directly or indirectly through a third party. And when the customer’s credit card information changes, in order to update the information, the company will collect the information from financial institutions or third-party payment companies that cooperate with the company.
• 5．Each customer can only hold one set of accounts, and cannot hold multiple accounts. Special circumstances approved by the company are not limited to this.
• 6．Minor customers can only register accounts with the consent of their legal representatives.

Article 5 (Account Management)

• 1．It is the responsibility of the customer to carefully manage the user ID and password of the account.
• 2．All rights regarding the account are owned by the customer, and under any circumstances, please do not transfer or lease the user ID and password to a third party.
• 3．The country and region of the client account cannot be changed.
• 4．Customers can change their passwords at any time.
• 5．When customers forget their passwords, they can reset their passwords through the methods provided by the company.
• 6．Any actions made by the registered user ID and password will be regarded as the customer’s own actions.
• 7．The Company shall not be held responsible for any damage caused by illegal use of the user ID and password by a third party.

Article 6 (Deletion of Account)

• 1．Customers can delete their accounts at any time through the withdrawal process established by the company.
• 2．After the account is deleted, the company will not explore the reasons. Except for the exceptions listed in this clause, all usage records including the account, and other customer information and rights will be eliminated.
• 3．After the account is deleted, within the scope not prohibited by law, the company will delete all the transactions that are on hold.
• 4．Even if the customer deletes the account by mistake, the deleted information cannot be recovered.
• 5．If there is a violation that is being verified by the company, even if the customer deletes the account, he must bear all legal obligations related to the account.

Article 7 (Usage Fee)

• 1．Fees for deposits, withdrawals, currency exchange, and remittances vary depending on the country and region where the account is located.
• 2．Regarding the handling fee, it is recorded on the relevant page of this site explaining the handling fee. The account holder shall be responsible for all taxes or other incidental charges arising from the use of this service.
• 3．There is also an additional fee established by the financial institution when making deposits and withdrawals. The company will not be held responsible for any loss caused by the exchange rate of currency exchange.
• 4．The upper limit of each deposit or withdrawal is 100,000 dollar. If it is a service item with an additional upper limit amount, the upper limit amount will be used for calculation.
• 5．For the payment of products or services provided by the company, if the payment period of 180 days is exceeded, the company will automatically deduct the unpaid part from the balance in the customer’s account.
• 6．When the customer’s account holds multiple currencies, and the balance in one of the currencies is in arrears, the company will use the customer’s other currency to offset.

Article 8 (Payment and Withdrawal)

• 1．The company has the right to judge and set various payment limits for this service.
• 2．For remittance between customers, if the paying customer does not receive the payment or refuses to accept the payment after the payment is completed, the payment will be refunded to the paying customer’s account balance 30 days after payment.
• 3．When making payment, if it is necessary to settle the account in other currencies, it will be calculated based on the exchange rate of the recipient at the time of receiving the payment.
• 4．Customers who sell goods or provide services cannot ask the payer to pay in other ways.
• 5．Regardless of the customer’s collection due to any reason, the customer shall be liable to the company for the full payment and handling fee.
• 6．The billing date for recurring payments is five of each month, and if you wish to cancel recurring payments, you must complete the change by the seventh business day from the next billing date.
• 7．Checkouts that have already been performed cannot be cancelled. If the payment object or the payment amount is wrong, the payee should make a refund to the payee by itself.
• 8．Customers can withdraw funds in the account at any time, but the upper limit amount of each withdrawal will be set according to the completion of the identity verification of the account.
• 9．If a customer makes a large withdrawal, the company will assess whether the withdrawal is approved based on the principle of risk management, and the assessment may take several days.

Article 9 (About termination of provision of this service)

• 1．In the following circumstances, the company can suspend the provision of all or part of the service, or terminate the service without prior notice.
  a．When using this service and applying these terms and conditions, the customer has violated these terms, or there is a suspicion that the company has violated these terms
  b．When the customer’s personal information or transaction content is judged by the company to be involved in money laundering, financing of terrorists, or any suspicion of violating laws related to economic sanctions
  c．In the event of failure of the server network system used to provide this service
  d．When force majeure factors such as earthquakes or natural disasters cause difficulties in providing this service
  e．Other circumstances that may cause difficulties in providing this service
• 2．The company will not be held responsible for any loss of profits due to the suspension or termination of this service.
• 3．If the customer transfers the account to a device that cannot use the service, the provision of the service will be temporarily interrupted; when the customer transfers the account to the device that can use the service again, the service can be activated again.
• 4．This service is only available for devices with mobile phone numbers in Japan and China. If the customer transfers the service to a device with a mobile phone number outside the service country, the provision of this service will be temporarily interrupted.
• 5．If the customer deletes the email address set in the account, the provision of this service will be temporarily interrupted; when the customer sets a new email address in the account again, the service can be activated again.

Article 10 (Use Restrictions and Account Cancellation)

• 1．When the company determines that there are the following reasons, it will not inform the customer in advance, and restrict the customer to use the service or cancel the customer’s account.
  a．In the event of a violation of the items in these terms
  b．When the company requires the customer using the service to provide necessary information, the customer fails to provide the information to the company within the time limit specified by the company without justifiable reasons.
  c．The customer has not used the service within a certain period since the date of the last use of the service
  d．When the company determines that the customer is not suitable to use the service
• 2．When a customer violates regulations, the company will determine whether to take certain punitive measures based on risk management, user account security, and the necessary confidential matters of the company’s system. In addition, the company has no obligation to disclose risk management and detailed safety program information to customers.
• 3．The company will not be responsible for any loss of profits due to restrictions on the use of this service or account cancellation.

Article 11 (About the change of service content)

• 1．The company reserves the right to change the service content of this service after notifying the customer in advance. And the company does not have to bear any relevant responsibilities to customers.

Article 12 (Principle of User Responsibility)

• 1．All responsibility for the customer’s use of the service is the customer’s own.
• 2．When the customer prepares the company to request supplementary registration information or submit other relevant information, the customer should submit the information to the company as soon as possible. If there is no legitimate reason and the specified information cannot be submitted within the time limit specified by the company, the company has the right to temporarily suspend part or all of the service content.
• 3．When the following situations occur, please contact our customer service department as soon as possible.
  a．When part or all of the information registered with the company needs to be changed
  b．When there is an unauthorized transaction or access in the customer’s account
  c．When the transaction record in the account or the transaction confirmation letter sent by email is incorrect
  d．When the password is likely to be leaked
• 4．The cost of equipment and communication means required to use this service shall be borne by the customer.
• 5．Customers need to promise not to use this service for transactions that violate (*) the supervision of the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). (*) For details of transactions regulated by OFCA, please refer to OFCA’s official website for details.
  https://www.treasury.gov/about/organizational-structure/offices/Pages/Office-of-Foreign-Assets-Control.aspx
• 6．When the customer’s use of the service causes direct or indirect damage to the company, or when the customer violates these terms, the customer must make immediate compensation for the company’s request.
• 7．When the customer needs to pay the company but ignores the information, the company will recover the compensation through other channels.
• 8．When the customer makes a complaint against the payee, cancels the payment, or refunds the money, the customer agrees to transfer the right to initiate any recovery action against the payee or a third party to the company, and the company will exercise all rights on behalf of the customer.

Article 13 (User Protection System)

• 1．When the following situations occur between the customer and the seller, the company will intervene and assist in the agreement and negotiation in order to resolve the dispute.
  a．When payment is made using this service, but the goods have not been received (the recipient is not the customer himself or herself)
  b．When using this service to pay, but the goods received do not match the description of the goods
• 2．The above mentioned “does not match the description of the product” includes the following.
  a．Completely different product
  b．At the time of purchase, the product is marked as “new”, but the actual received is a “second-hand” product, etc., and the status of such products does not match the previous description
  c．At the time of purchase, advertised as genuine, but in reality it is a counterfeit
  d．Items found to have missing parts or missing features were not mentioned at the time of purchase
  e．The quantity of the item received does not match the quantity purchased
  f．The item was damaged before it was received
• 3．The following products are not eligible for refunds under the terms of this user protection system.
  a．Products that violate these terms
  b．Real estate
  c．Business (buy all or part of a business)
  d．Vehicles (including motorcycles, garages, aircraft and small watercraft)
  e．Special order products not as described
  f．Products sold on fundraising platforms
  g．Industrial machines for manufacturing
  h．Gift cards, recharge cards and other electronic payment products
  i．Entry fees and prizes for gambling, games, and other activities
  j．Goods purchased from administrative agencies or fees paid to administrative agencies
  k．Personal payment
  l．Donate
  m．Financial Commodities or Investment Commodities
• 4．The following necessary conditions must be met before the user protection system can be applied.
  a．The cost of the item is a one-time payment
  b．Raise objection within 180 days from payment date
  c．Promptly present documents and information requested by the company
  d．The account is in good condition
  e．The refund has not been received through other channels
• 5．Even if the customer is not the subject of the user protection system, the customer can raise an objection with the seller and try to resolve the problem directly with the seller. If a consensus cannot be reached with the seller, the customer can file a complaint instead within 20 days of raising an objection. However, for unreceived goods, the time limit for filing a complaint is 7 days from the date of payment. If the objection is not changed to a complaint within 20 days, the company will permanently reject the objection raised by the transaction.
• 6．After the objection is changed to a complaint, the company will retain the right to adjudicate, and both parties must obey the result of the company’s ruling.
• 7．When the customer applies to the object of the user protection system, and the company’s final ruling is in the customer’s favor, the company will refund the purchase amount and shipping to the customer. However, when returning “products that do not match the description of the product” to the seller or a third party designated by the company, the fees incurred will not be refunded to the customer.
• 8．Debit card and credit card refund related rights, the products that can be refunded are not limited to the products described in the customer protection system. By contacting the credit card company, the customer has the right to apply for a refund, but not at the same time. The credit card company and the company applied for a refund and received two refunds.

Article 14 (Objection)

• 1．When there is a dispute between the customer and the company, the customer can contact the company through the company’s customer service function at any time.
• 2．When the company resolves disputes with customers, the company will adopt efficient methods to resolve issues promptly and fairly.
• 3．When the amount of compensation in dispute is less than 10,000 USD (or other equivalent currency) (excluding other equitable claims), the parties to the claim have the right to choose a more efficient method that does not require both parties to appear in court and has legal effects.
• 4．If the parties choose to resolve their disputes through arbitration, they can conduct arbitration through the Tokyo High Court or other proven out-of-court mediation institutions (ADR) agreed upon by the parties. ADR institutions and parties are required to observe the following matters.
  a．Arbitration must be submitted by telephone, internet or letter
  b．If the parties cannot reach an agreement, neither the parties nor the witnesses need to appear in court
  c．The decision made by the arbitrator may be appealed to the court of the jurisdiction
• 5．If the parties reach a consensus, the client agrees to the result of the ruling.
• 6．Complaints that violate the content of Article 14 will be regarded as a violation of these terms, and the company has the right to demand compensation of up to 5,000 USD such as attorney fees and litigation fees (including the company’s internal lawyers and assistant lawyers). However, if the customer informs the company in writing that the complaint is in violation, and the customer cancels the complainant immediately after receiving the notification, this does not apply.

Article 15 (Assignment of Merchant’s Accounts Receivable)

Regarding the accounts receivable by the merchant account holder from its customers, the company promises to pay the account payable on behalf of the customer in the form of entrustment by the customer.

Article 16 (Licences and Permits)

• 1．Under the premise of holding a license, the company provides customers to download the TransRole software (hereinafter referred to as the software) to the customer’s device for use. However, the right to use the software cannot be transferred or leased to a third party.
• 2．Do not rewrite, copy, distribute, display, disclose, derive, translate, decompose, decompile, or otherwise operate the source code of this software.
• 3．All rights, permissions and interests in this software are owned by the company.
• 4．All third-party application software used on this website is subject to the agreement between the company and the software provider.
• 5．All content published by customers through this software, its copyright, publicity rights, trademark exclusive rights, database rights and intellectual property rights will be exercised by the company, and the company has non-monopoly, global use, indefinite, irrevocable , free-to-use, transferable, multi-tier licensing rights.
• 6．The customer shall not infringe the company’s intellectual property rights and publicity rights over the service content provided by the customer, the content published through the service, and other content associated with the service.
• 7．The technology and content derived from this website, this service, or the technology related to this service, its rights, titles and licenses are owned by the company.
• 8．When there is a dispute between the company and the customer related to this service, it will be governed by the judicial authority where the company is located.
  

Article 17 (Prohibited Items)

• 1．When customers use this service, the following acts are prohibited.
  a．Violation of the law
  b．Committing a crime or contributing to a crime
  c．Transfer, lease, or share accounts with third parties
  d．Use the service through accounts obtained through informal channels, or accounts obtained through informal channels with knowledge
  e．The customer is judged to have abused the credit card system or violated the credit card association and network agreements when using the service
  f．Improper use of the company’s Internet system, resulting in damage to the company’s operations
  g．Use this service for money laundering or other improper conduct
  h．When infringing the company’s copyright, publicity rights, trademark exclusive rights, database rights and intellectual property rights, or infringing the company’s rights under other laws or contracts
  i．Refuse requests to assist in our investigations and information submissions
  j．Intend to attempt to use the service in a country where the service is not provided by the company
  k．Fake the name of the company or a third party and maliciously spread false information
  l．Collect or disclose personal information held by the company and use the information for marketing, etc. without the express consent of the individual
  m．Intent to use the same transaction to repeatedly charge refunds to the company, seller, bank, credit card company, etc.
  n．Unpleasant experience for other users of the service
  o．Acts that result in complaints, objections, appeals, cancellations of payments, fines, penalties and liabilities to third parties
  p．Promotion, publicity and business behavior without the permission of the company
  q．Acts against public order and good customs
  r．selling counterfeit goods
  s．Other acts judged by the company to be inappropriate
• 2． In case of violation of these terms, the company will restrict the customer’s use of the service, or cancel its registration, and the customer shall be liable to the company. For each transaction that violates this clause, the company will claim a maximum compensation amount of 2500 USD from the customer, which is the estimated minimum compensation amount, and the actual compensation amount will depend on the circumstances.
• 3．The company will automatically deduct the amount that the customer should pay to the company from the customer’s account balance, and if the balance is insufficient to pay the compensation amount, the company will claim the customer through other means.

Article 18 (Disclaimer and Disclaimer)

• 1．The company will not guarantee that the content of this service is free from any defects in fact or law (including correctness, reliability, validity, completeness, suitability for a particular purpose, defects in information security, program errors or malfunction, infringement of rights, etc.).
• 2．The company will not undertake the obligation to remove the above-mentioned defects.
• 3．Except in the case of the company’s intention or negligence, the company will not be responsible for the loss of the user caused by the service, nor the obligation to compensate the damage. However, customers who have a consumer contract with the company are not limited to this.
• 4．When the customer uses the legal currency in the account to make remittances in different currencies, the remittance amount will be converted into currency at the exchange rate determined by the company at the time of acceptance. The company will not compensate the customer for the loss caused by the currency exchange, and will not assume the responsibility.
• 5．If the laws or guidelines of each country are changed and the company cannot provide this service to the customer, the company will not compensate for the loss and will not assume the responsibility.
• 6．In the transactions of merchant accounts and their customers, the company is not the role of the parties, agents or brokers, and the company will not be responsible for the establishment, validity and performance of the transaction.
• 7．Regarding the remittance between the user of this service and the remittance financial institution, or the account holder of its financial institution, the company is not the role of the party, agent or broker, and the establishment, validity, performance, etc. of the transaction are related. The company will not bear any legal responsibility.
• 8．Regarding the banking business or credit card system, etc., the company will not be responsible for any delay in the processing time due to factors outside the management scope of the company.
• 9．If the documents sent by the company according to the customer’s registered address and the recipient are not delivered on time or are not delivered, the company will consider the sent documents to have been delivered at the time they should be delivered.
• 10．Depending on the country where the customer is located, it may have different legal powers, but the company has the maximum legal immunity in the customer relationship.
• 11．The company is not the administrator of goods or other services purchased through this service, and the company will not be responsible for the content of these goods and services. In addition, the company cannot identify the source of users of other services, nor does it guarantee that the buyer and the seller will be able to complete the transaction.

Article 19 (Exclusion of Anti-Social Forces)

• 1．Clients themselves, or their agents and introducers (hereinafter referred to as related parties) shall not be the following objects.
  a．Member of a violent group or a member of a violent group within 5 years
  b．Associates of violent groups
  c．Businesses associated with violent groups
  d．Fraud syndicates, social activists, political activists, or violent debt collectors
  e．Those who have close contact with the aforementioned persons (including providing funds, but not limited to)
  f．Others who meet the above criteria
• 2．Customers themselves and their related parties must ensure that they will not directly or indirectly have the following behaviors.
  a．Violent recovery behavior
  b．Improper conduct that requires legal liability
  c．Acts of violence or verbal coercion during the transaction
  d．Spreading false rumors, destroying the credit of others by malicious means, or hindering the freedom of others’ business, etc.
  e．Other behaviors that meet the above benchmarks
  f．Intend to seek the interests of oneself or a third party through improper channels, or cause damage to a third party, etc., and is judged by the company to be suspected of using anti-social forces.
  g．Funding or other cheapening of antisocial forces
• 3．When the company judges that the customer violates these terms, the company has the right to take necessary countermeasures without prior notice. The company will not be held responsible for any damage or loss caused to the customer.

Article 20 (Disposal of Personal Information)

• 1．The company will respect the privacy of customers, and all personal information obtained by the company will be properly disposed of in accordance with the company’s privacy policy.
• 2．In order to investigate whether there is an improper transaction, the company has the right to provide the customer’s personal information or transaction records to credit card companies, financial institutions or other third-party payment companies that have a cooperative relationship with the company for investigation purposes.
• 3．In the event of a conflict between these 20 terms and the privacy terms, these terms shall prevail.

Article 21 (Governing Law and Jurisdiction)

• 1．The original text of these terms is written in Japanese and is based on Japanese law.
• 2．In the event of a dispute between the company and the customer on this service, the Tokyo High Court and the Tokyo Summary Court will be agreed upon as the first-instance competent court.
• 3．The company resolves transaction disputes on the basis of the law on settlement of funds (Law No. 59 of 2009). Complaint handling measures or dispute resolution measures related to this service may be submitted to the following organizations.
  a．Complaint handling measures
  　 General Corporate Incorporated Japan Financial and Financial Industry Association　TEL：03-3556-6261
  b．Dispute Resolution Measures
  　Tokyo Ben Nurses Association Dispute Resolution Center 　TEL：03-3581-0031
  　Daiichi Tokyo Ben Nurses Association Arbitration Center　TEL：03-3595-8588
  　Second Tokyo Ben Nurses Association Arbitration Center 　TEL：03-3581-2249

Date of formulation: March 23, 2022
Date of revision: August 23, 2022