Terms & Conditions

1. Scope of Application

These Terms set forth the handling of overseas remittance service (hereinafter referred to as the “Service”) provided by CITY EXPRESS MONEY TRANSFER JAPAN CO., LTD. (hereinafter referred to as “we,” “our,” “us”). Customers who use the Service (hereinafter referred to as the “Requestor”) shall use the Service after fully understanding the content of these Terms and agreeing to these Terms.


2. Overseas Remittance Registration

The Requestor shall accurately fill in the necessary matters on an application for registration in the form designated by us (hereinafter referred to as the “Registration Application”), and then submit by mail to us the Registration Application, accompanied by a copy of a document necessary for verification of the identity. We will register information about overseas remittance, including, without limitation, information about the Requestor, the address and name of the recipient designated by the Requestor (hereinafter referred to as the “Remittee”), the name of the bank and its branch at which the Remittee has an account, the account number, and the purpose of remittance, all as described in the Registration Application (such registration hereinafter referred to as the “Remittance Registration”). For the avoidance of doubt, the Remittance Registration shall be registered for each Remittee. When it is assumed that the Requestor makes remittances to more than one Remittee, the Requestor shall register the same information with regard to overseas remittance as the number of Remittees.


3. Remittance Transaction

After the completion of the procedures for the Remittance Registration, we shall, via email or by other means, give the Requestor notice of the completion of the remittance procedures. For an overseas remittance request from the Requestor (hereinafter referred to as the “Remittance Request”), immediately after the documents necessary for the Remittance Registration are received by us, and the Requestor brings money to be remitted to the counter of our office, or we confirm the receipt of payment transferred from the Requestor’s bank, we shall, as instructed, proceed with the overseas remittance procedures. Money to be remitted, the receipt of which is confirmed by us during our business hours, shall be remitted by us on the basis of same-day handling. Once money is transferred to our account, we shall, without the direction of the Requestor, effect the transaction of remittance to the Remittee based on the Registration Application.


4. Inquiry About Transactions

When an entity to which money is remitted makes an inquiry about the remittance advice dispatched by us, we may make an inquiry about the details of the request. In this case, please promptly give us a reply. If no reply to our inquiry is given within a reasonable period of time, or if an inappropriate reply is given, we shall not assume any liability for damage thereby caused.

 

5. Remittance Currency

The only currency of money to be remitted which shall be accepted by us shall be Japanese yen.


6. Remittance Limit

6.1. We shall limit the maximum amount which can be remitted at one time to one million yen (1,000,000). We shall not assume obligation to make remittance with respect to the portion of a one-time remittance which exceeds one million yen (1,000,000).

6.2. Even when a Remittance Request from the Requestor is in the amount of remittance not exceeding the remittance limit, we shall decline the Remittance Request from the Requestor, if the case falls under one of the following: (1) through (6) of Article 21 below, (1) through (6) of paragraph 1 of Article 23 below, (1) through (5) of paragraph 2 of Article 23 below, (1) through (2) of paragraph 1 of Article 24 below, or (1) through (2) of paragraph 2 of Article 24 below. Furthermore, we shall apply Articles 21 and 22 below.

 

7. Remittance Fee

When we accept a Remittance Request, we shall charge a specified fee designated by us. In this connection, such fee shall be deducted from the money to be remitted.

 

8. Exchange Rate

The exchange rate (TTS) obtained from our service-entrusted entity on a day shall be determined as our telegraphic transfer selling rate (TTS rate) of that day. Exchange rates shall be updated and published from time to time.

 

9. Standard Time to Complete Exchange Transaction

When a Remittance Request from the Requestor is accepted during our business hours, the standard time to complete the exchange transaction will be approximately thirty (30) minutes to one (1) hour in the case of receipt at the counter of the office of the entrusted entity, and approximately one (1) day in the case of transfer to the bank account of the Remittee (which does not take into consideration the time difference between the place of the Requestor and the place of Remittee, or business hours of the entrusted entity). However, when a Remittance Request from the Requestor is accepted outside of our business hours, the standard time to complete the exchange transaction will be one (1) to two (2) days. For the avoidance of doubt, we shall deem that at the time of the completion of the Remittance Registration in relation to the Requestor, the Requestor has agreed to the content of this clause for the Service.

 

10. Remittance Confirmation

We shall issue a receipt to all Requestors who make a Remittance Request at the counter of our office. For the Requestors who transfer money to be remitted to the account designated by us, a receipt shall, in principle, be issued only to the Requestors who request it. When the Requestor has given us an email address, the receipt shall be sent to the Requestor via email. When the Requestor does not have any email address, the receipt shall be sent to the Requestor by mail.

 

11. Confirmation of Receipt by Remittee

Upon confirmation of receipt by the Remittee of money remitted, we shall, by an appropriate means, give notice of the receipt by the Remittee of the money remitted only to the Requestors who request such notice at the contact address described in the Registration Application.

 

12. Receipt by Remittee of Money Remitted

12.1. [When the method of receipt by the Remittee of money remitted is transfer to an account at a financial institution] Immediately after confirmation of receipt from the Requestor of money to be remitted, we shall, based on the Registration Application, transfer the money to be remitted to the designated account of the Remittee. After we have completed the procedures for remittance, the Remittee may receive the money remitted immediately. However, such immediate availability will depend on our business hours and those of our business partners.

12.2. [When the method of receipt by the Remittee of money remitted is receipt in cash at the counter of the office] Immediately after confirmation of receipt from the Requestor of money to be remitted, we shall, for each Remittance Request, by phone, notify the Requestor of the completion of the procedures for remittance and of the security code (transaction number) issued for the Remittance Request. The Remittee may receive the money remitted in cash at the counter of the office of our business partner within thirty (30) minutes to one (1) hour after we have completed the procedures for remittance. At that time, the Remittee will be asked to present a certificate verifying the identity and the security code (transaction number) obtained from the Requestor. In this connection, we shall not assume any liability for loss or damage caused by any cause attributable to the Requestor or Remittee, including, without limitation, loss or unauthorized use of the security code (transaction number) by a third party.

 

13. Change in Registered Information

When information disclosed at the time of the Remittance Registration is changed, the Requestor shall be obliged to notify us of such change. In the case of a change in information disclosed at the time of the Remittance Registration, please promptly notify us in writing in the form designated by us so that we can update such information. We shall not assume any liability for damage caused by a difference in registered information, or for transactions conducted prior to the receipt of such notice.

 

14. Effective Period and Renewal

The effective period of overseas remittance registration shall be one (1) year from the date of application. Unless either the Requestor or we manifest the intention not to renew the period in writing at least one (1) month prior to the expiration of the effective period, such period shall be automatically renewed. The effective period after the renewal shall be one (1) year from the date of renewal, and the same shall apply to any renewals thereafter.

 

15. Termination by Requestor of Registration


The Requestor may terminate the registration by notifying us in writing in the form designated by us. When the Requestor makes a request for such termination, the Requestor shall submit to us such writing which shall bear the registered signature or name and seal. For the avoidance of doubt, no termination fee shall be charged.

 

16. Invalidation

If there has been no application for overseas remittance for two (2) years, the overseas remittance registration may lose its effect.

 

17. Reversal

We shall accept an application for cancellation of the Remittance Request from the Requestor after we have executed the Service, however, our acceptance shall only be granted on the condition that the request is made in writing in the form designated by us and a document verifying the identity is attached. In this connection, for each cancellation, we shall separately charge a fee in the amount equal to the remittance fee designated by us. After such fee has been transferred to the account designated by us and we have confirmed the receipt thereof, we shall proceed with the procedures for the application for cancellation of the Remittance Request from the Requestor. However, if the money has already been received by the Remittee or transferred to the designated account of the Remittee, no cancellation shall be effected. In connection with the cancellation of the Remittance Request, we give no guarantee on whether the money to be remitted will be returned, or when it will be returned. Furthermore, we shall assume no liability for any additional fee which may be incurred. If the remittance is rejected pursuant to regulatory constraints or a Cabinet Order, or by a domestic or foreign partner financial institution, etc., it may become impossible to cancel the Remittance Request.

 

18. Remittance Failure

If money to be remitted is unable to be transferred to the account of the Remittee due to non-existence of the account specified by the Remittee, we may deem the Remittance Request to be cancelled.


19. Return of Money to be Remitted

When money to be remitted is returned, we shall, in Japanese yen, return the money which has relevance to the money to be remitted by means of transferring it to the designated account of the Requestor. In this case, we shall not return the amount equivalent to the remittance fee, and the Requestor shall consent to the same in advance.
 

20. Suspension or Discontinuance of Service

If we recognize the need to suspend or discontinue the system due to maintenance of the system, or failure of communication lines, communication means or computers, or for other reasons, we may suspend or discontinue the provision of the Service without prior notice to the Requestor. We shall not assume any liability for damage thereby caused to the Requestor.

 

21. Our Cancellation of Remittance Request

We shall have the right to cancel the Remittance Request from the Requestor without prior notice in the following cases. We shall not assume any liability for damage thereby caused to the Requestor.

  • When it is found that personal information, etc., provided by the Requestor to us is false.
  • Unauthorized use by a person other than the Requestor is found.
  • The purpose of remittance by the Requestor is in contravention of law, regulation or any other regulatory rules.
  • The Requestor and the Remittee designated by the Requestor are put on the list of persons subject to freezing of funds, etc., disclosed by the Ministry of Finance.
  • Overseas remittance is suspected of being involved in or has been involved in money laundering related to drugs, crime, terrorism, etc., or is suspected to fall under or has fallen under Article 24 below.
  • It is difficult to execute the remittance due to war, riot or any other similar event.

 

22. Our Termination of Remittance Registration

We may immediately terminate the Remittance Registration of the Requestor without prior notice in the following cases. We shall not assume any liability for damage thereby caused to the Requestor.

  • The case constitutes one of the cases referred to in (1) through (5) of the preceding Article.
  • Any other cause to make it inappropriate to continue the Service is found on the part of the Requestor or Remittee.
  • The case falls under one of the cases referred to in (1) through (6) of paragraph 1 of the following Article, or (1) through (5) of paragraph 2 of said Article.
  • The case falls under one of the cases referred to in (1) through (2) of paragraph 1 of Article 24 below, or (1) through (2) of paragraph 2 of said Article.


23. Exclusion of Anti-Social Forces

23.1. The Requestor represents that the Requestor and the Remittee designated by the Requestor do not currently fall under the persons referred to in the following items, and provides assurance that the Requestor and the Remittee designated by the Requestor will not fall under the same.

  • Organized crime group
  • Member of an organized crime group
  • Quasi-member of an organized crime group
  • Company linked to an organized crime group
  • Corporate racketeer, social movement advocating racketeer or any other racketeer, violent group abusing special intelligence, etc.
  • Any other person equivalent to any of the persons referred to in the preceding items
  • 23.2. The Requestor provides assurance that the Requestor will not commit, or cause a third party to commit, any act which falls under one of the following acts.
  • Violent act to make demands
  • Unjust act to make demands beyond statutory responsibility
  • Act of using verbally/physically intimidating behavior or violence in connection with transactions
  • Act of spreading rumors, damaging our credibility by use of fraudulent means or force, or interfering with our business
  • Any other act equivalent to any of the acts referred to in the preceding items


24. Response to “Constraints on Payment Related to Trade” and “Constraints on Use of Funds” Under the Foreign Exchange and Foreign Trade Law

24.1. The Requestor and the Remittee designated by the Requestor represent that money to be remitted does not currently fall under the payments referred to in the following items, and provide assurance that money to be remitted will not fall under the same.

 

 

 

  • “Constraints on payment related to trade” and “constraints on use of funds” in connection with nuclear development, etc., applicable to North Korea: Confirmation that the remittance does not constitute the payment of the import price of cargo of the country of origin or the place of shipment of which is North Korea; the payment of the intermediary trade transaction price of cargo of the country of origin, the place of shipment or the destination of which is North Korea; or payment related to transactions or acts conducted for the purpose of contributing to any activities which may contribute to nuclear-related plans, etc., of North Korea.
  • “Constraints on use of funds” in connection with nuclear development, etc., and large-scale conventional weapons applicable to Iran: Confirmation that the remittance does not constitute payment related to transactions or acts conducted for the purpose of contributing to any activities in connection with nuclear activities, etc., of Iran, or to any activities in connection with the supply, etc., of large-scale conventional weapons, etc., to Iran.
  • 24.2. The Requestor represents that the Requestor and the Remittee designated by the Requestor do not commit any act which falls under one of the acts referred to in the following items, and provides assurance that the Requestor and the Remittee designated by the Requestor will not commit any act which falls under the same.
  • Remittance to North Korea or Iran.
  • Remittance, to a third country other than North Korea and Iran, which is related to North Korea or Iran.

 

 

 

 

 

 

 

25. Liability Exclusion We shall not assume any liability for loss or damage caused by the following cause.

 

 

 

  • Loss or damage caused by the provision of incomplete or inaccurate information entered on the Registration Application for overseas remittance;
  • Loss or damage caused by the Requestor transferring money to a wrong overseas remittance account or using a wrong remittance-specific card;
  • Loss caused by the inability to contact the Requestor or Remittee, or by a delayed or inappropriate response by the Requestor to our request for confirmation or our demand;
  • Loss or damage caused by any cause not attributable to us, including, without limitation, a disaster, incident, war or other force majeure; failure involving communication equipment, lines, computers, etc., of a third party such as a communications provider; restriction under law or regulation concerning foreign exchange, etc.; or action, etc., taken by a court or any other public agency;
  • Loss or damage caused by any damage to, or any other difficulty involving, an electronic terminal, communication lines, or computers in spite of reasonable safety measures taken by us;
  • Loss or damage caused by an error or omission which occurs in spite of security measures taken by us;
  • Legal dispute between the Requestor and the Remittee or a third party;
  • Loss or damage caused by any cause attributable to the Requestor or Remittee; or
  • Other loss or damage due to any cause other than cause on our side.

 

 

 


26. Prohibition of Assignment or Pledge of Requestor’s Rights

 

 

 

The Requestor’s rights related to transactions under these Terms shall not be assigned or pledged.

 

 

 


27. Compliance with Laws and Regulations Concerning Prevention of Transfer of Criminal Proceeds, etc.

 

 

 

When we perform remittance operations, we shall comply with laws and regulations concerning the prevention of transfer of criminal proceeds, etc., and the Requestor shall assist us in the procedures to be taken to comply with laws and regulations concerning the prevention of transfer of criminal proceeds, etc. In some cases, we may request the Requestor to provide additional information about the source of the money to be remitted in order to comply with such laws and regulations, etc. If the Requestor rejects such request, we shall apply Articles 21 and 22 above.

 

 

 


28. Handling of Personal Information

 

 

 

  • We shall handle personal information of the Requestor in accordance with our Personal Information Protection Regulations.
  • In connection with the use of the Service, we may provide our entrusted entities, agents, or other third parties with information about the Requestor and Remittee to the extent necessary for the provision of the Service.
  • When we are requested by law or regulation, court proceedings or other legal proceedings, or any supervisory government agency, etc., to provide information about the Requestor or Remittee, we may comply with such request.
  • For personal information provided by the Requestor, the Requestor may request us to disclose the personal information maintained by us. When the Requestor requests such disclosure, please contact our inquiry desk.

 

 

 

 

 

 

 

29. Request for Provision of Document

 

 

 

We may request the Requestor to provide a particular document in order to satisfy the requirements set forth by a governmental or judicial authority.

 

 

 


30. Amendment, Abolition, etc., of These Terms

 

 

 

  • The content of these Terms and the Service (including, without limitation, available hours, amount limit and fees) may be amended or abolished at the discretion of us due to a change in economic circumstances or any other reasonable reason. Furthermore, we may suspend the use of the Service, in whole or in part, to effect such amendment or abolition.
  • We shall not assume any liability for damage caused by the amendment or abolition or the suspension of use referred to in the preceding paragraph.
  • When we have amended or abolished the content of these Terms or the Service, we shall announce the same by posting the announcement on our website.

 

 

 


31. Inquiries and Complaints from Requestor

 

 

 

Inquiries (including the inquiry about the status of the remittance) and complaints from the Requestor shall be accepted at the following address and phone/fax numbers.
Shin-Okubo Initial House 2F, 2-10-9, Hyakunin-cho, Shinjuku-ku, Tokyo 169-0073
CITY EXPRESS MONEY TRANSFER JAPAN CO., LTD.
Phone: (03) 5925-4121 Fax: (03) 5925-4122

Our business hours are as follows; provided, however, that Japanese non-business days during the year-end and new-year period are excluded.
7 days a week: 9:00 a.m. to 7:00 p.m.

 

 

 

 

 

 

 

32. Complaint Handling Measures and Dispute Resolution Measure

 

 

 

Pursuant to the Law on Financial Settlements, we conduct complaint handling measures and dispute resolution measures as follows. In the case of complaints and disputes in connection with the money transfer service provided by us, the Requestor may use the following external bodies. Complaint Handling Measures

 

 

 

Complaint Handling Measures

 

 

 

  • Japan Payment Service Association “Customer Service Office” Phone: 03-3219-0628

 

 

 


Dispute Resolution Measures

 

 

 

  • Tokyo Bar Association Dispute Resolution Center Phone: 03-3581-0031
  • Daiich Tokyo Bar Association Arbitration Center Phone: 03-3595-8588
  • Daini Tokyo Bar Association Arbitration Center Phone: 03-3581-2249

 

 

 


33. Supplementary Provisions

 

 

 

All matters which may arise as to the meaning of the provisions of these Terms shall be settled in accordance with the Japanese terms. If there is a discrepancy between the provisions of the Japanese version and those of any other language version of these Terms, the provisions of the Japanese version shall prevail. 34. Jurisdiction If there is a need to institute a lawsuit in connection with these Terms or the Service, the Tokyo District Court shall be the court of first instance having agreed to exclusive jurisdiction. 35. Prevention of Mistaking Our Service for Exchange Transactions Conducted by Banks, etc. The Requestor who uses the Service or overseas remittance service provided by us shall use the same after fully understanding and agreeing to the following items.

 

 

 

  • The remittance service provided by us is different from exchange transactions conducted by banks, etc.
  • Our remittance service does not accept deposits, savings, time installment savings, etc.
  • Our remittance service is not covered by insurance proceeds paid under the provision of Article 53 of the Deposit Insurance Law or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Law.
  • Money to be remitted is protected by the performance bond system under the Law on Financial Settlements, and the performance bond is deposited in the Tokyo Legal Affairs Bureau.

 

 

 


34. Jurisdiction

 

 

 

If there is a need to institute a lawsuit in connection with these Terms or the Service, the Tokyo District Court shall be the court of first instance having agreed to exclusive jurisdiction. 35. Prevention of Mistaking Our Service for Exchange Transactions Conducted by Banks, etc. The Requestor who uses the Service or overseas remittance service provided by us shall use the same after fully understanding and agreeing to the following items.

 

 

 

  • The remittance service provided by us is different from exchange transactions conducted by banks, etc.
  • Our remittance service does not accept deposits, savings, time installment savings, etc.
  • Our remittance service is not covered by insurance proceeds paid under the provision of Article 53 of the Deposit Insurance Law or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Law.
  • Money to be remitted is protected by the performance bond system under the Law on Financial Settlements, and the performance bond is deposited in the Tokyo Legal Affairs Bureau.

 

 

 

 

 

 

 

35.Prevention of Mistaking Our Service for Exchange Transactions Conducted by Banks, etc.

 

 

 

The Requestor who uses the Service or overseas remittance service provided by us shall use the same after fully understanding and agreeing to the following items.

 

 

 

  • The remittance service provided by us is different from exchange transactions conducted by banks, etc.
  • Our remittance service does not accept deposits, savings, time installment savings, etc.
  • Our remittance service is not covered by insurance proceeds paid under the provision of Article 53 of the Deposit Insurance Law or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Law.
  • Money to be remitted is protected by the performance bond system under the Law on Financial Settlements, and the performance bond is deposited in the Tokyo Legal Affairs Bureau.
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