第１条 CITY EXPRESS MONEY TRANSFER JAPAN株式会社（以下、「当社」といいます。）が提供する送金サービス（送金の受取りを含み、以下、「本サービス」といいます。）を利用し、送金取引（外国送金取引を含みます。）又は送金受取取引（外国送金被仕向取引を含み、以下、送金取引及び送金受取取引を総称して「本取引」といいます。）を行う場合は、当社が定める送金取引規程（以下、「本規程」といいます。）に同意のうえ会員登録を行うものとし、会員登録を行った場合には、当社は本取引利用者（以下、「会員」といいます。）が本規程に同意したものとして取り扱います。
「送金取引」：会員からの送金依頼に基づき、当社の提携先又はその取扱店で、送金の受取人（以下、「受取人」といいます。）が送金を受け取ること、指定された金融機関にある受取人の預金口座に入金すること、又は受取人名義のワレットに入金すること等をいいます。
「送金受取取引」：会員に対して送金された金員について、会員の指図又はあらかじめ設定された受取方法に従い、当社所定の窓口での受取、会員本人名義の金融機関の預金口座への入金、ワレットへの入金その他当社所定の方法による支払いを行うサービスをいいます。
「当社モバイルアプリ」：送金レート確認機能、送金受取人の登録機能、送金機能、送金受取機能、会員登録情報の変更・更新機能等の本サービスに係る機能を有する当社が提供するモバイルアプリをいいます。
第４条 本サービスをご利用になるには、あらかじめ会員として登録する必要があります。会員登録は、会員１名につき１登録とします。会員登録にあたっては、当社所定の申込方法により会員登録手続を行い、当社所定の取引時確認手続を完了する必要があります。但し、当該手続が完了した場合であっても、当社の判断に基づき会員登録を承諾しないことがあります。なお、当社が会員登録を承諾しない場合、会員登録申込者はこの不承諾につき異議を述べないものとします。また、当社は、当社モバイルアプリを通じた会員登録を承諾した会員1名に対し、当該モバイルアプリ上におけるワレット1個の発行を行うものとします。
4 当社が本サービスを一時停止する場合又は新たなサービスの提供を開始する場合は、事前に当社ウェブサイト上においてその旨を掲示するものとします。但し、システムの障害等で緊急を要すると当社が判断した場合は、事前の予告なく、当該システムの一部又は全部を、停止、休止、中断することがあります。
2 ワレットの残高が100万円を超えることはなく、ワレットの残高が100万円を超えることとなる本取引又は入金等については、当社は当該取引を行い、又は当該入金等を受け入れる義務を負わず、当該取引又は入金等に係る依頼を拒否します。
5 当社は、ワレット残高について、送金取引に利用される見込みがないと合理的に認めた場合その他法令等に基づき必要と認めた場合、会員に通知の上、払戻し、利用制限その他当社所定の措置を講じることができるものとします。
第7条 当社は、会員の希望に応じてレミットカード又はワレットカード（以下、総称して「カード」といいます。）のいずれか一方又は双方を貸与する場合があります。貸与を受けた会員はカードを会員本人のみが利用できるものとし、第三者に譲渡、貸与又は使用させてはならないものとします。また、会員は、カードを本サービスの利用以外の目的で使用しないものとします。
２ カードの所有権は当社に帰属するものとし、会員は、カード及びカードに表示される会員氏名、カード番号その他の情報（以下「カード情報」といいます。）を善良なる管理者の注意をもって管理及び使用するものとし、暗証番号（カードの挿入等により本取引を行う際に入力する番号をいいます。以下同様とします。）を第三者に知られないよう厳重に管理するものとします。
５ 当社は、会員による本規程違反があったと当社が合理的に認めた場合、会員が本規程に同意できない場合、その他当社が必要と判断した場合、会員に対し、カードの返還又は切り込みを入れた上で破棄を行うことを求めることがあります。会員は、当社からカードの返還又はカードの破棄を求められた場合には、ただちにこれに応じるものとします。
６ カード、カード情報又は暗証番号の紛失その他の会員の管理に属する事項に起因して生じた損害については、当社に故意又は過失がある場合を除き、当社は責任を負わないものとします。但し、当社「不正取引に対する補償方針」３①に定める場合に該当するときは、同方針によるものとします。
７ 当社は、カードの偽造、変造、不正利用その他取引の安全性確保のため必要と認めた場合、会員に事前通知することなくカードの利用停止、カード情報の変更、又はカードの無効化その他の必要な措置を講じることができるものとします。
３ 会員は、当社モバイルアプリを第三者に利用させず、また、自己の端末、並びに、ログイン情報（会員毎に発行されるログインID及びパスワードをいいます。以下同様とします。）及び暗証番号その他の認証情報を厳重に管理するものとします。
５ 当社は、本サービスの安全性確保その他必要と認める場合、会員に事前通知することなく、当社モバイルアプリの機能制限、利用停止又はバージョン更新を行うことができるものとします。
６ 会員の端末の紛失、盗難、第三者による不正利用、通信環境その他の当社の責に帰すべき事由によらずに生じた損害については、当社は責任を負わないものとします。但し、当社「不正取引に対する補償方針」３①に定める場合に該当するときは、同方針によるものとします。
７ 当社は、本サービスの不正利用防止及び安全性向上のため、会員に事前通知することなく、会員による当社モバイルアプリの利用状況、端末情報、IPアドレスその他当社所定の情報を取得し、利用することができるものとします。
第9条 当社は、本サービスの利用にあたり、あらかじめ登録したログイン情報及び暗証番号その他の認証情報、生体認証その他当社所定の方法による本人認証を行うものとします。
２ 会員は、認証情報を第三者に開示、漏えい又は使用させてはならず、自己の責任において厳重に管理するものとし、認証情報を失念又は第三者に知られたおそれがある場合には、ただちに当社所定の変更手続を行うものとします。
３ 会員は、第三者による不正利用のおそれがある場合、認証情報の漏えい、端末の紛失若しくは盗難が判明した場合、又はそのおそれがある場合には、ただちに当社に届け出るものとします。
４ 当社は、本サービスの安全性確保及び不正利用防止のため、会員に事前通知することなく、取引内容、利用状況、端末情報、IPアドレスその他当社所定の情報を確認し、必要に応じて追加認証、取引制限その他必要な措置を講じることができるものとします。
５ 当社は、次の各号のいずれかに該当すると判断した場合、会員に事前通知することなく、本サービスの全部若しくは一部の利用停止、取引制限又は認証機能の停止その他必要な措置を講じることができるものとします。
７ 会員の責に帰すべき事由による認証情報の漏えい、端末管理不備、不正利用その他の当社の責に帰すべき事由によらず生じた損害については、当社は責任を負わないものとします。但し、当社「不正取引に対する補償方針」３①に定める場合に該当するときは、同方針によるものとします。
会員は、当社が「犯罪による収益の移転防止に関する法律」、「外国為替及び外国貿易法」その他の関係法令等に基づく本取引の内容確認が必要と認めた場合、当社所定の方法により当社の指定する手続を行うものとします。また、指定する手続に応じていただけない場合又は当社が不適当と判断した場合には、前号の規定にかかわらず取引の依頼をお受けできない場合があります。なお、当社は会員に対して、取引をお受けできない理由をお答えできない場合があります。
第12条 会員が、第5条第2項に定める方法により依頼し、かつ当社が受け付けた送金受取指図については、当社所定の手続後、受取可能になります。なお、登録口座に入金する場合、当社所定の時間に入金処理を行うものとします。
３ 当社が送金受取指図を受け付けた後でも、以下の事由の一にでも該当すると当社が認めた場合、当社は受取指図の処理を行わないことがあります。なお、当社は会員に対して、取引をお受けできない理由をお答えできない場合があります。
第13条 会員は、本人特定事項その他の登録事項（第4条及び第11条第1項2号の規定により当社に登録された事項をいいます。）を変更する場合又は変更があった場合には、ただちに当社所定の方法により、登録事項の変更手続を行っていただきます。この登録事項の変更には、当社の確認・審査と承諾が必要となります。
第14条 本取引は、国内送金取引及び国内送金受取取引に関しては当社が送金又は送金受取の依頼を確定した時、外国送金取引及び外国送金被仕向取引に関しては当社が送金又は送金受取の依頼を確定しかつ第16条規定の為替レートが適用されて本取引の金額が確定した時に成立するものとします。但し、当社が当該取引を不適当と判断した場合には、当社から当該取引の解除ができるものとします。
2 前項による解除の場合には、会員から受け取った送金資金等を返金するものとします。その場合には、当社所定の手続を行うものとし、その際に発生する手数料等その他の費用は会員が負担するものとします。
第16条 外国送金取引及び外国送金被仕向取引を行う場合、本取引にあたり適用する為替レートは、当社ウェブサイトに掲載しています所定の為替レートが適用されるものとします。
第17条 会員は、送金依頼後の当該送金取引に係る資金の状況等、本取引に関する照会事項があるとき又は本取引について疑義のある時は、速やかに当社に照会するものとします。照会等の受け付けに当たっては、当社所定の手続を求めることがあります。
2 本取引について、公的機関又は提携先金融機関等から照会があった場合には、取引内容について会員に照会することがありますが、この場合、会員は速やかに回答するものとします。
5 前項において、連絡先の記載の不備又は電話等の不通その他の当社の責めに帰すべき事由によらず照会・通知をすることができない場合、これによって生じた損害について当社は責任を負わないものとします。
第18条 当社は、会員の情報及び具体的な取引の内容等を適切に把握するため、提出期限を指定して各種確認や資料の提出を求めることがあります。会員から正当な理由なく指定した期限までに回答いただけない場合には、本取引の一部又は全部を制限する場合があります。
2 前項の各種確認や資料の提出の求めに対する会員の回答、具体的な取引の内容、会員の説明及びその他の事情を考慮して、当社がマネー・ローンダリング、テロ資金供与、若しくは経済制裁関連法令等への抵触のおそれがあると判断した場合には、本取引の一部又は全部を制限する場合があります。
3 前２項に定めるいずれの取引の制限についても、会員からの説明等に基づき、マネー・ローンダリング、テロ資金供与、又は経済制裁関連法令等への抵触のおそれが合理的に解消されたと当社が認める場合、当社は当該取引の制限を解除します。
4 当社は、法令等遵守、本サービスの安全性確保又は不正利用防止のため、会員の属性、取引内容及び利用状況等を踏まえ、本サービスの利用条件（取引金額、取引回数等を含みます。）について、会員への事前通知なく、制限を設けることができるものとします。
第19条 本取引の成立後にその依頼内容を変更する場合には、当社の支払手続が完了していない場合にのみ取り扱うことができるものとします。変更の依頼にあたっては、当社所定の手続と共に、当社指定の本人確認書類の提示が必要となります。
2 本取引の成立後にその依頼を取りやめる場合には、当社の支払手続が完了していない時に限り取消の手続を取り扱うことができるものとします。取消の依頼にあたっては当社所定の手続と共に、当社指定の本人確認資料の提示が必要となります。
第20条 当社が会員に対し本規程に基づき告知又は通知をする場合、会員は、当社ウェブサイト等上への掲示又は登録された連絡先への連絡その他の方法により行われることに同意するものとします。
2 前項の場合、会員による登録内容の不備、変更内容の未届、通信事情、その他当社の責によらない事由により延着し又は到達しなかった場合でも、会員は通常到達すべきときに到達したものとみなされることに同意するものとします。
第21条 会員の本サービスの当初利用期間は会員登録日から起算して1年間とし、会員又は当社から特に申出がない限り、利用期間満了日の翌日から１年間継続するものとします。なお、継続後も同様とします。
第22条 会員は、自己及び自己の役員等が、現在、暴力団、暴力団員、暴力団員でなくなった時から5年を経過しない者、暴力団準構成員、暴力団関係企業、総会屋等、社会運動等標ぼうゴロ又は特殊知能暴力集団等、テロリスト等、日本政府又は諸外国当局が指定する経済制裁対象者、その他これらに準ずる者（以下これらの者を「暴力団員等」といいます。）に該当しないこと、及び次の各号のいずれにも該当しないことを表明し、かつ将来にわたっても該当しないことを確約するものとします。
第23条 本サービスの会員登録は、当事者の一方の都合でいつでも解約することができるものとします。但し、会員から当社に対する解約届出は、当社所定の方法により行うものとします。なお、解約申入れの手数料は無料とします。また、解約の効力は当社所定の解約手続を完了した時点から発生するものとし、解約手続完了前の事由により会員に損害が生じた場合であってもこれについて当社は責任を負わないものとします。当社の都合により本サービス会員登録を解約する場合は、会員が登録した住所又は連絡先に解約の通知を行います。当該通知が延着し又は到達しなかったときは、通常到達すべき時に到達したものとみなします。
3 一定期間本サービスをご利用にならなかった場合には、利用停止扱いとなります。この場合において、会員が本サービスのご利用を再開する場合には、再度取引時確認手続等が必要になります。
4 次の各号の事由が一つでも生じた場合、当社は会員に事前に通知することなく、ただちに本サービスの全部若しくは一部を停止し、又は解約できるものとします。なお、当社は会員に対して、本サービスの全部若しくは一部の停止又は解約の理由をお答えできない場合があります。
「犯罪による収益の移転防止に関する法律」に基づき、取引モニタリングのために聞き取り調査への協力又は聞き取り結果を裏付ける書類の提出を求めたにもかかわらず、聞き取り調査に対する回答を拒否し、又は裏付書類の提出がない場合（当社が定める期日までに当社に連絡がない場合、会員お届けの住所へ発送した提出を求める通知書が不着のため当社に返送された場合、及び登録の電話番号等への連絡がとれない場合等を含みます。）。
第6号及び第7号の他、会員が債務整理に関して裁判所の関与する手続を申し立て若しくは申し立てられたとき、又は自らの営業の停止を表明したとき等、支払を停止したと認められる事実が発生したとき。
会員が死亡した場合若しくは日本国外へ転居する場合（但し、在留期間内に一時的に帰国する場合は除く。）又は会員の親族等から会員が死亡若しくは日本国外へ転居した（但し、在留期間内に一時的に帰国する場合は除く。）旨の連絡があった場合。
5 前項第１号、第2号、第3号、第4号、第10号、第11号及び第13号による会員登録の解約がなされた場合、解約事由及びワレット残高その他当社が受領し又は管理する会員の資金（以下「ワレット残高等」といいます。）に係る事情を確認するために必要な範囲で、ワレット残高等の返還を留保し、その他必要な措置を講じることができるものとします。ワレット残高等について、会員が返還を受ける正当な権利を有しないことが確認された場合、ワレット残高等は失効するものとし、当社は当該ワレット残高等の返金義務を負わないものとします。
6 第4項第5号、第８号及び第12号による会員登録の解約が行われた場合、当社は、返還に必要な事項が確認できるまで、ワレット残高等の返還を留保することができるものとします。当社は、合理的な範囲の調査を実施しても返還先等を確認できない場合、ワレット残高等の返金を免れるものとします。
当社が相当の安全対策を講じたにもかかわらず発生した若しくは当社の責によらない、通信機器、端末機、通信回線、コンピュータ等の障害、又はそれによる電信の字くずれ、誤謬、脱漏等により生じた損害。
3 当社の責に帰すべき事由がある場合における当社の損害賠償責任は、当該事由に起因して現実に発生した直接損害に限るものとし、当該損害の原因となった本取引に係る送金額及び送金手数料又は送金受取金額（損害の原因となった本取引が複数存在する場合はその累積額）を超える損害については責任を負わないものとします。また、当社は、当社に故意・重過失がある場合を除き、逸失利益、間接損害、特別損害について損害賠償等の責任を負わないものとします。
3 変更後の本規程の効力発生日以後に会員が本サービスを利用した場合、又は、当社が定める期間内に解約手続を行わなかった場合、会員は変更後の本規程に同意したものとみなします。
２ 当社は資金決済法に基づき、裁判外紛争解決制度（ADR制度）における措置を講じています。当社の本サービスをご利用の会員が苦情･紛争解決のお申出をされる場合は、次の窓口をご利用いただくことができます。
Terms and Conditions
Chapter 1 General Provisions
(Purpose)
Article 1 When using the remittance services provided by CITY EXPRESS MONEY TRANSFER JAPAN Co., Ltd. (hereinafter referred to as the “Company”), including the receipt of remittances (hereinafter collectively referred to as the “Services”), to conduct a Remittance Transaction (including an Overseas Remittance Transaction) or a Remittance Receiving Transaction (including a Receiving Overseas Remittance Transaction; collectively, the Remittance Transaction and the Remittance Receiving Transaction are hereinafter referred to as the “Transactions”), the user shall register as a Member upon agreeing to the Terms and Conditions prescribed by the Company (hereinafter referred to as the “Terms”). Upon completion of such membership registration, the Company shall deem the user of the Transactions (hereinafter referred to as the “Member”) to have agreed to these Terms.
(Scope of Application)
Article 2 As a general rule, the Services are available only to corporate customers whose registered office or principal place of business is located in Japan and individual customers who resides in Japan.
(Definitions)
Article 3 The terms used in these Terms shall have the meanings set forth below:
“Remittance Transaction”: A service whereby, based on a remittance request from a Member, the Receiver receives the remittance at the Company’s partner or its agent, the remittance is credited to the Receiver’s deposit account held with a designated financial institution, or the remittance is credited to a Wallet in the Receiver’s name, or by any other method prescribed by the Company.
“Remittance Receiving Transaction”: A service whereby, with respect to funds remitted to a Member, the Company makes payment in accordance with the Member’s instructions or a pre-designated method of receiving the funds by allowing the Member to receive the funds at a designated counter of the Company, crediting the funds to a deposit account held with a financial institution in the Member’s own name, crediting the funds to a Wallet, or by any other method prescribed by the Company.
“Domestic Remittance Transaction”: A service constituting a Remittance Transaction in which the Receiver is located in Japan.
“Domestic Remittance Receiving Transaction”: A service constituting a Remittance Receiving Transaction in which the remitter is located in Japan.
“Overseas Remittance Transaction”: A service constituting a Remittance Transaction in which the Receiver is located outside Japan.
“Receiving Overseas Remittance Transaction”: A service constituting a Remittance Receiving Transaction in which the remitter is located outside Japan.
“Remittance Funds and Related Charges”: The remittance funds, together with the prescribed fees and other costs and expenses.
“Company Mobile App”: A mobile application provided by the Company that has functions relating to the Services, including a function for checking exchange rates, a function for registering Receivers, a remittance function, a remittance receiving function, and functions for changing or updating Member registration information.
“Wallet”: An account designated by the Company that is issued to each Member based on the Member’s application for registration through the Company Mobile App and is used to manage funds relating to the Transactions.
“Remit Card”: A card designated by the Company that is issued for each Receiver registered in advance.
“Wallet Card”: A card designated by the Company that is used to credit funds to a Wallet or withdraw a wallet balance.
Chapter 2 Details and Use of the Services
(Member Registration)
Article 4 To use the Services, a person must register as a Member in advance. Each Member may have only one membership registration. To register as a Member, the applicant must complete the membership registration procedures in accordance with the application method prescribed by the Company and complete the customer due diligence procedures prescribed by the Company at the time of conducting a transaction. However, even if such procedures have been completed, the Company may, at its discretion, decline to approve the membership registration. In addition, for each Member whose membership registration through the Company Mobile App has been approved by the Company, the Company shall issue one Wallet through the Company Mobile App.
(Use of the Services)
Article 5 A Member may conduct the Remittance Transaction by any of the following methods:
Installing the Company Mobile App on a mobile phone or other device and submitting a Remittance Transaction request through the Company Mobile App using all or part of the Member’s wallet balance;
Inserting a Remit Card into an ATM of a partner financial institution of the Company and operating the ATM to make a remittance;
Submitting a Remittance Transaction request at a service counter of the Company’s head office or any of its branches;
Contacting the Company by telephone or email; or
any other method prescribed by the Company.
2. A Member may conduct a Remittance Receiving Transaction by any of the following methods:
Installing the Company Mobile App on a mobile phone or other device and receiving funds into the Member’s Wallet through the Company Mobile App;
Receiving funds by bank transfer into a bank account registered with the Company (the “Registered Bank Account”);
Receiving a direct cash payment at a service counter of the Company’s head office or any of its branches; or
any other method prescribed by the Company.
3. Notwithstanding the preceding two paragraphs, the Company may suspend or interrupt the provision of all or part of the Services for system maintenance or other reasons relating to the provision of the Services.
4. If the Company temporarily suspends any of the Services or commences the provision of a new service, the Company shall give prior notice by posting a notice on its website. However, if the Company determines that urgent action is required due to a system failure or other circumstances, the Company may suspend or interrupt all or part of the relevant system without prior notice.
5. A Member may use the Services only while the Member’s membership remains valid under these Terms.
(Wallet)
Article 6 The maximum wallet balance shall be JPY 1,000,000.
2. A wallet balance shall not exceed JPY 1,000,000. The Company shall have no obligation to process any Transaction or accept any deposit or other credit that would cause the wallet balance to exceed the maximum amount specified in the preceding paragraph and may reject any request relating to such Transaction, deposit or other credit.
3. A Member may withdraw all or part of the Member’s wallet balance through the Company Mobile App by any of the following methods:
withdrawal by bank transfer;
withdrawal through an ATM operated by a partner financial institution of the Company; or
any other method prescribed by the Company.
4. A Wallet is used to manage funds relating to the Transactions and does not constitute a bank deposit, savings deposit, installment savings account or any other similar deposit product.
5. If the Company reasonably determines that the wallet balance is unlikely to be used for a Remittance Transaction, or otherwise determines that action is necessary pursuant to applicable laws and regulations, the Company may, upon notice to the Member, refund the Wallet balance, restrict the use of the Wallet or take any other necessary measures prescribed by the Company.
(Use of Cards)
Article 7 The Company may, at the request of a Member, provide the Member with either or both of a Remit Card and a Wallet Card (collectively, the “Card”). The Cards may be used only by the Member to whom they are provided. A Member shall not transfer or lend a Card to, or permit a Card to be used by, any third party. A Member shall not use a Card for any purpose other than to use the Services.
2. Each Card shall remain the property of the Company. The Member shall exercise due care and diligence in safeguarding and using the Card and the card information and shall keep the PIN strictly confidential and take reasonable measures to prevent its disclosure to any third party.
3. If a Card or card information is lost, stolen, forged, altered or suspected of unauthorized use by a third party, the Member shall immediately notify the Company.
4. Upon receiving notice under the preceding paragraph, the Company may suspend the use of the relevant Card, change the card information or take any other necessary measures.
5. If the Company reasonably determines that a Member has violated these Terms, if the Member is unable or unwilling to agree to these Terms, or if the Company otherwise determines it necessary, the Company may require the Member to return the Card to the Company or cut the Card in half and dispose of it. If the Company requires the return or destruction of a Card, the Member shall comply immediately.
6. The Company shall not be liable for any loss or damage arising from the loss of a Card, card information or PIN, or from any other matter within the Member’s control or responsibility, except where such loss or damage is attributable to the Company’s willful misconduct or negligence. However, if the circumstances fall within the scope of Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions, such Policy shall apply.
7. If the Company considers it necessary to prevent the forgery, alteration or unauthorized use of a Card or otherwise ensure transaction security, the Company may, without prior notice to the Member, suspend the use of the Card, change the card Information, invalidate the Card or take any other necessary measures.
(Use of the Company Mobile App)
Article 8 Each Member shall be responsible for their use of the Company Mobile App in connection with the Services.
2. Each Member shall, at the Member’s own expense and responsibility, obtain and maintain the mobile device, internet connection and other equipment and services necessary to use the Company Mobile App.
3. A Member shall not permit any third party to use the Company Mobile App and shall take reasonable measures to prevent unauthorized access to the Member’s device. The Member shall also keep their login ID and password (collectively, “login credentials”), PIN, and other authentication information strictly confidential.
4. A Member shall not engage in any of the following acts:
Modifying, analyzing, reverse engineering, or otherwise making unauthorized use of the Company Mobile App;
Using the Services by impersonating any third party;
Gaining unauthorized access or engaging in any other act that violates applicable laws and regulations or public order and morals;
Infringing the rights or interests of the Company or any third party; or
Engaging in any other act that the Company considers inappropriate.
5. If the Company considers it necessary to ensure the security of the Services or for any other reason, the Company may, without prior notice to Members, restrict the functionality of, suspend access to, or require Members to update the Company Mobile App.
6. The Company shall not be liable for any loss or damage arising from the loss or theft of a Member’s device, unauthorized use by a third party, telecommunications failures, or any other circumstances not attributable to the Company. However, if the circumstances fall within the scope of Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions, such Policy shall apply.
7. To prevent unauthorized use of the Services and enhance their security, the Company may, without prior notice to Members, collect and use information reasonably necessary for such purposes, including information regarding Members’ use of the Company Mobile App, device information and IP addresses.
(Authentication and Security)
Article 9 When a Member uses the Services, the Company shall authenticate the Member using the Member’s registered Login Credentials, PIN or other authentication information, biometric authentication, or any other method prescribed by the Company.
2. A Member shall not disclose or allow any third party to use the Member’s authentication information and shall keep such information strictly confidential. If the Member forgets such information or suspects that it may have been compromised, the Member shall immediately complete the change procedures prescribed by the Company.
3. A Member shall immediately notify the Company if the Member suspects unauthorized use by a third party, or becomes aware of, or suspects, any compromise of authentication information or loss or theft of the Member’s device.
4. To ensure the security of the Services and prevent unauthorized use, the Company may, without prior notice to the Member, review transaction details, usage history, device information, IP addresses and other relevant information, and may require additional authentication, impose transaction restrictions or take any other necessary measures.
5. If the Company determines that any of the following circumstances applies, it may, without prior notice to the Member, suspend all or part of the Services, impose transaction restrictions, disable authentication functionality or take any other necessary measures:
Repeated incorrect entry of authentication information or any other circumstances indicating a risk of unauthorized access, unauthorized transfers or other unauthorized use;
Authentication information may have been used by a third party;
There is a risk of violation of applicable laws or regulations; or
The Company otherwise considers such measures necessary to ensure the security of the Services.
6. The Company may treat any Transaction completed through the prescribed authentication process as having been conducted by the Member.
7. The Company shall not be liable for any loss or damage arising from the compromise of authentication information, inadequate device security, unauthorized use or any other circumstances attributable to the Member and not attributable to the Company. However, if the circumstances fall within the scope of Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions, such Policy shall apply.
(Methods of Funding the Remittance)
Article 10 Remittance funds for a Remittance Transaction shall be paid in Japanese yen by any of the following methods:
depositing cash through an ATM operated by a partner financial institution of the Company using a Remit Card or Wallet Card;
depositing cash through an ATM operated by a partner financial institution of the Company using a two-dimensional barcode;
transferring funds to a bank account designated by the Company in accordance with the procedures prescribed by the Company; or
any other method prescribed by the Company.
(Remittance Transaction Requests)
Article 11 A request for a Remittance Transaction shall be handled in accordance with the following:
The request shall be accepted during the reception hours prescribed by the Company.
The Member shall either register the Receiver in advance in the manner prescribed by the Company or provide the Receiver’s information when submitting the request.
The Member shall pay the Remittance Funds and Related Charges by a method specified in Article 10.
The Member may submit a request after completing the registration or providing the information required under Item (2) and making the payment required under the preceding item.
If the Company considers it necessary to verify the details of a Transaction pursuant to the Act on Prevention of Transfer of Criminal Proceeds, the Foreign Exchange and Foreign Trade Act or any other applicable laws or regulations, the Member shall complete the procedures specified by the Company. Notwithstanding the preceding item, the Company may decline the request if the Member fails to complete such procedures or if the Company otherwise determines that the Transaction is inappropriate. The Company may not be able to disclose the reason for declining the request.
(Receipt Instructions for Remittance Receiving Transactions)
Article 12 A receipt instruction submitted by a Member in accordance with Article 5(2) and accepted by the Company shall become available for receipt upon completion of the procedures prescribed by the Company. If the funds are to be credited to the Member’s Registered Bank Account, the Company shall process the credit at the time prescribed by the Company.
2. The Company shall not process a receipt instruction that contains any error or omission.
3. Even after accepting a receipt instruction, the Company may decline to process it if the Company determines that any of the following circumstances applies. The Company may not be able to disclose the reason for declining the Transaction:
the Company identifies concerns regarding compliance with the Foreign Exchange and Foreign Trade Act, the Act on Prevention of Transfer of Criminal Proceeds or any other applicable laws or regulations;
the Company is unable to verify the purpose of the Transaction;
the Company determines that the Transaction may involve the transfer of criminal proceeds or other illicit funds; or
the Company otherwise determines that the Transaction is inappropriate.
(Changes to Registered Information)
Article 13 If a Member intends to change, or if there is any change to, the Member’s identification information or any other information registered with the Company pursuant to Article 4 or Article 11(2) (“Registered Information”), the Member shall promptly complete the procedures prescribed by the Company to update the Registered Information. Any such change shall be subject to verification, review and approval by the Company.
(Formation and Cancellation of Transactions)
Article 14 A Domestic Remittance Transaction or Domestic Remittance Receiving Transaction shall become effective when the Company confirms the relevant transfer request or Receipt Instruction. An Overseas Remittance Transaction or Receiving Overseas Remittance Transaction shall become effective when the Company confirms the relevant transfer request or receipt instruction and the Transaction amount is determined using the exchange rate specified in Article 16. However, the Company may cancel the Transaction if it determines that the Transaction is inappropriate.
2. If a Transaction is cancelled under the preceding paragraph, the Company shall refund the remittance funds and any other amounts received from the Member in accordance with the procedures prescribed by the Company. Any fees or other costs incurred in connection with the refund shall be borne by the Member.
(Fees and Related Costs and Expenses)
Article 15 In connection with the Transactions, the Member shall pay the remittance fee and other fees prescribed by the Company in the manner prescribed by the Company.
2. The fees referred to in the preceding paragraph may include fees incurred in connection with the funding, refund, withdrawal or reversal of remittance funds or otherwise in connection with the Services.
3. The types and amounts of fees, payment methods and other details shall be published on the Company’s website or by any other method prescribed by the Company.
(Exchange Rates)
Article 16 The exchange rate applicable to an Overseas Remittance Transaction or Receiving Overseas Remittance Transaction shall be the exchange rate specified by the Company and published on the Company’s website.
(Transaction Inquiries and Notices)
Article 17 If a Member has any questions regarding a Transaction, including the status of remittance funds after submitting a remittance request, or identifies any concern regarding a Transaction, the Member shall promptly contact the Company. The Company may require the Member to complete its prescribed procedures when accepting an inquiry.
2. If the Company receives an inquiry regarding a Transaction from a public authority, partner financial institution or other relevant party, the Company may request information from the Member regarding the Transaction. The Member shall respond promptly to any such request.
3. If it becomes apparent that a Transaction cannot be completed, the Company shall promptly notify the Member and take the cancellation and refund procedures provided for in Article 14.
4. The Company shall use the contact details registered by the Member when contacting or notifying the Member regarding a Transaction.
5. If, in the preceding paragraph, the Company is unable to make an inquiry or provide a notification due to an incomplete or incorrect description of the contact information, the inability to contact the relevant person by telephone or other means, or any other circumstances not attributable to the Company, the Company shall not be liable for any loss or damage arising therefrom.
(Transaction Restrictions)
Article 18 To appropriately understand the Member’s information and the details of specific Transactions, the Company may require the Member to provide information or submit documents by a specified deadline. If the Member fails to respond by the specified deadline without justifiable reason, the Company may restrict all or part of the Member’s Transactions.
2. If, after considering the Member’s responses and submitted documents, the details of specific Transactions, the Member’s explanations and any other relevant circumstances, the Company determines that there is a risk of money laundering, terrorist financing or violation of applicable economic sanctions laws or regulations, the Company may restrict all or part of the Member’s Transactions.
3. The Company shall lift any restriction imposed under the preceding two paragraphs if it determines, based on the Member’s explanations or other relevant information, that the relevant concerns regarding money laundering, terrorist financing or violation of applicable economic sanctions laws or regulations have been reasonably resolved.
4. To comply with applicable laws and regulations, ensure the security of the Services or prevent unauthorized use, the Company may, without prior notice to the Member, impose restrictions on the conditions of use of the Services, including transaction amounts and frequency, based on the Member’s profile, transaction details and usage patterns.
5. When taking any measure under the preceding paragraphs, the Company shall generally not disclose the reason for such measure, but may disclose all or part of the reason upon the Member’s request.
(Changes and Cancellation of Requests)
Article 19 After a Transaction has become effective, the Member may request a change to the details of the request only if the Company has not completed the payment process. To request a change, the Member shall complete the procedures prescribed by the Company and present the identification document specified by the Company.
2. After a Transaction has become effective, the Member may request cancellation of the request only if the Company has not completed the payment process. To request cancellation, the Member shall complete the procedures prescribed by the Company and present the identification document specified by the Company.
3. The Company may be unable to process a change or cancellation requested under the preceding two paragraphs.
Chapter 3 Miscellaneous Provisions
(Method of Announcements and Notices)
Article 20 When making any announcement or giving any notice to a Member under these Terms, the Company may do so by posting it on the Company’s website or other relevant platform, sending it to the contact details registered by the Member, or by any other method prescribed by the Company. The Member agrees to receive announcements and notices by any such method.
2. If any announcement or notice under the preceding paragraph is delayed or fails to reach the Member due to inaccurate or incomplete registration information, the Member’s failure to notify the Company of any change, communication conditions or any other reason not attributable to the Company, such announcement or notice shall be deemed to have reached the Member at the time it would ordinarily have reached the Member.
(Term of Use)
Article 21 The initial term of use of the Services shall be one year from the date of the Member’s registration. Unless either the Member or the Company gives notice to the contrary, the term shall be automatically renewed for successive periods of one year commencing on the day following the expiration of the then-current term.
2. Upon renewal of the term of use of the Services under the preceding paragraph, the Company may require the Member to submit documents or information prescribed by the Company.
(Exclusion of Anti-Social Forces)
Article 22 The Member represents and warrants that neither the Member nor any of its officers or other relevant persons currently falls under any of the following categories: an organized crime group; a member of an organized crime group; a person who ceased to be a member of an organized crime group less than five years ago; an associate member of an organized crime group; a company affiliated with an organized crime group; a corporate extortionist; a person or group engaging in criminal activities under the pretext of conducting a social or political campaign; a special organized crime group; a terrorist or similar person; a person subject to economic sanctions designated by the Japanese government or any foreign authority; or any other person equivalent to any of the foregoing (collectively, “Anti-Social Forces”). The Member further represents and warrants that neither the Member nor any of its officers or other relevant persons falls under, or will in the future fall under, any of the following circumstances:
Having a relationship in which Anti-Social Forces are deemed to control its management;
Having a relationship in which Anti-Social Forces are deemed to be substantially involved in its management;
Having a relationship in which the Member is deemed to make improper use of Anti-Social Forces, including for the purpose of obtaining an unlawful benefit for itself, its business or a third party, or causing damage to a third party;
Having a relationship in which the Member is deemed to be involved with Anti-Social Forces by providing funds or benefits to them; or
Having a relationship in which any officer or person substantially involved in its management has a socially reprehensible relationship with Anti-Social Forces.
2. The Member warrants that it shall not, either directly or through any third party, engage in any of the following acts:
Making violent demands;
Making unreasonable demands beyond the scope of legal responsibility;
Using threatening words or conduct, or violence, in connection with any transaction;
Damaging the Company’s reputation or obstructing the Company’s business by spreading false rumors, using fraudulent means or using force; or
Engaging in any other act equivalent or similar to any of the foregoing.
3. If the Company suffers any loss or damage as a result of the Member’s breach of any representation or warranty under the preceding two paragraphs, the Member shall compensate the Company for such loss or damage.
(Suspension and Termination of Membership)
Article 23 Either the Member or the Company may terminate the Member’s registration at any time for its convenience. A Member wishing to terminate its registration shall submit a termination request in accordance with the procedures prescribed by the Company. No fee shall be charged for such request. Termination shall take effect when the Company completes the prescribed termination procedures. The Company shall not be liable for any loss or damage arising from any event occurring before completion of such procedures. If the Company terminates the Member’s registration at its convenience, the Company shall give notice to the address or contact details registered by the Member. If such notice is delayed or fails to reach the Member, it shall be deemed to have reached the Member at the time it would ordinarily have reached the Member.
2. If any doubt arises concerning any customer identification or verification information or the details of a Transaction, the Company may place the relevant Transaction on hold or suspend it.
3. If the Member does not use the Services for a certain period, the Company may suspend the Member’s use of the Services. To resume use of the Services, the Member may be required to undergo customer identification and verification procedures again.
4. If any of the following circumstances arises, the Company may, without prior notice to the Member, immediately suspend all or part of the Services or terminate the Member’s registration. The Company may be unable to disclose to the Member the reason for such suspension or termination:
If the Company reasonably determines that any Transaction has been or may be used for money laundering, terrorist financing or any transaction in violation of economic sanctions laws or regulations;
If, despite being requested to cooperate with an inquiry conducted for transaction-monitoring purposes or to submit documents supporting the Member’s responses pursuant to the Act on Prevention of Transfer of Criminal Proceeds, the Member refuses to respond or fails to submit the supporting documents, including where the Member fails to contact the Company by the deadline specified by the Company, a written request sent to the Member’s registered address is returned as undeliverable, or the Company is unable to contact the Member at the registered telephone number or other contact details;
If the Company determines that any Transaction has been or may be used for an act that violates applicable laws or regulations or public order and morals;
If the Member intentionally or through gross negligence breaches these Terms;
If an inheritance commences in respect of the Member;
If the Member suspends payments, or if a petition for the commencement of bankruptcy or civil rehabilitation proceedings is filed by or against the Member;
If the Member becomes subject to a suspension of transactions imposed by a clearing house, electronic monetary claims recording institution or any other equivalent institution;
If the Member’s whereabouts become unknown to the Company due to a reason attributable to the Member, including the Member’s failure to notify the Company of a change of address;
In addition to the circumstances specified in Items (6) and (7), if the Member files, or becomes subject to, any court-supervised debt restructuring proceedings, declares the suspension of its business or becomes subject to any other circumstance indicating that the Member has suspended payments;
If the Member is found to fall under any item of Paragraph 1 of the preceding Article or to have committed any act specified in any item of Paragraph 2 of that Article;
If any reasonable grounds arise that make termination necessary, including unauthorized use of the Services by the Member;
If the Member dies or relocates outside Japan, except for a temporary return to the Member’s home country during the Member’s authorized period of stay, or if the Company is informed by the Member’s relative or any other person that the Member has died or relocated outside Japan, subject to the same exception;
If the Member becomes subject to economic sanctions imposed by the Japanese government or any foreign authority; or
In addition to the preceding items, if the Company determines that suspension of the Services is necessary.
5. If the Member’s registration is terminated pursuant to item (1), (2), (3), (4), (10), (11) or (13) of the preceding paragraph, the Company may, to the extent necessary to confirm the reason for such termination and other circumstances relating to the wallet balance and other funds received or managed by the Company for the Member (collectively, the “Wallet Balance and Other Funds”), withhold the return of the Wallet Balance and Other Funds and take any other necessary measures. If it is confirmed that the Member has no legitimate right to receive the return of the Wallet Balance and Other Funds, the Wallet Balance and Other Funds shall become void, and the Company shall have no obligation to return the Wallet Balance and Other Funds.
6. If the Member’s registration is terminated pursuant to item (5), (8) or (12) of Paragraph 4, the Company may withhold the return of the Wallet Balance and Other Funds until the information necessary for such return has been verified. If the Company is unable to confirm the recipient of the return or other relevant matters even after conducting an investigation to a reasonable extent, the Company shall be relieved of its obligation to return the Wallet Balance and Other Funds.
(Prohibition of Assignment and Pledge)
Article 24 A Member may not assign, pledge or otherwise dispose of any rights under these Terms.
(Disclaimer and Limitation of Liability)
Article 25 The Company shall not be liable for any loss or damage arising from any of the following:
natural disasters, civil disturbances, war, restrictions imposed by applicable laws or regulations, measures taken by governmental or other public authorities, or any other similar event;
the handling of a Transaction in accordance with the customs or procedures of any relevant country;
any failure or malfunction of communications equipment, terminals, telecommunications lines, computers or other systems, or any garbling, error or omission in electronic communications resulting therefrom, where the Company has implemented reasonable security measures or where such failure, malfunction, garbling, error or omission is not attributable to the Company;
the handling of any termination, notice, inquiry, amendment, cancellation or other request;
any discrepancy in the information provided or any other reason attributable to the Member;
the underlying relationship or arrangement relating to a remittance between the Member and the Receiver or any third party; or
any other reason not attributable to the Company.
2. Except where the relevant loss or damage is attributable to the Company, the Member shall assume all responsibility arising from the use of the Services, and the Company shall not be liable for such loss or damage.
3. Where the Company is liable for damages due to circumstances attributable to the Company, the Company’s liability for damages shall be limited to actual and direct damages arising from such circumstances, and the Company shall not be liable for any damages exceeding the aggregate amount of the remittance amount and remittance fee relating to the Transaction that caused such damages, or the amount received in the Remittance Receiving Transaction that caused such damages, as applicable (or, where multiple Transactions have caused such damages, the aggregate amount of the applicable amounts relating to such Transactions). In addition, except where the Company has acted intentionally or with gross negligence, the Company shall not be liable for any loss of profits, indirect damages, or special damages.
4. Notwithstanding the preceding three paragraphs, if Paragraph 3(1) of the Company’s Compensation Policy for Unauthorized Transactions applies, the matter shall be governed by that Policy.
(Amendments to These Terms)
Article 26 The Company may, at its discretion, amend these Terms in any of the following circumstances:
If the amendment is in the general interests of the Members; or
If the amendment is not contrary to the purpose of the agreement and is reasonable in light of the necessity for the amendment, the appropriateness of the amended provisions, the details of the amendment and any other circumstances relating to the amendment.
2. When amending these Terms pursuant to the preceding paragraph, the Company shall notify the Members of the details of the amendment and its effective date by posting them on the Company’s website or the Company Mobile App, or by any other method prescribed by the Company.
3. If a Member uses the Services on or after the effective date of the amended Terms, or fails to complete the termination procedures within the period prescribed by the Company, the Member shall be deemed to have agreed to the amended Terms.
(Compliance with Laws, Regulations and Other Rules)
Article 27 Any matter not provided for in these Terms shall be governed by applicable laws and regulations, customs, and the procedures of relevant institutions.
(Governing Law and Jurisdiction)
Article 28 These Terms shall be governed by the laws of Japan. The Tokyo District Court shall have exclusive jurisdiction as the court of first instance over any dispute arising out of or in connection with these Terms.
2. If there is any discrepancy between the Japanese version and any translation into another language of these Terms or any document or electronic record relating to a Transaction, the Japanese version shall prevail.
Chapter IV Matters Required under the Payment Services Act
(Maximum Transfer Amount)
Article 29 The maximum amount per Transaction shall be JPY 1,000,000.
2. If the Company receives a transfer request from a Member in excess of the limit specified in the preceding paragraph, the Company shall have no obligation to execute the portion of the transfer exceeding such limit.
(Customer Inquiries and Financial ADR Procedures)
Article 30 Inquiries concerning the Services may be directed to the following:
CITY EXPRESS MONEY TRANSFER JAPAN Co. Ltd.
2-11-23 Hyakunincho, Shinjuku-ku, Tokyo
Telephone: 03-5925-4121
2. In accordance with the Payment Services Act, the Company has implemented measures under the financial alternative dispute resolution system (“Financial ADR System”). Members wishing to file a complaint or seek resolution of a dispute concerning the Services may contact the following organizations:
- Customer Inquiry and Complaint Resolution Contact
Japan Payment Service Association “Customer Consultation Office”
7th Floor, Hiei Kudan Building, 3-8-11 Kudan-minami, Chiyoda-ku, Tokyo
Telephone: 03-3556-6261
- Dispute Resolution Organizations
Tokyo Bar Association: 03-3581-0031
Dai-ichi Tokyo Bar Association: 03-3595-8588
Daini Tokyo Bar Association: 03-3581-2249
Supplementary Provisions
Effective April 1, 2022.
Amended February 1, 2023.
Amended September 1, 2024.
Amended February 26, 2025.
Amended August 1, 2026.
