Terms of Use - Exjoy remittance

Overseas Money Transfer Service IDA Japan(exjoy-remit) Terms of Use

IDA Japan (hereinafter referred to as ‘the Company’) hereby establishes the following terms and conditions (hereinafter referred to as ‘the Terms’) for providing money transfer services. When using this service, you must fully understand the contents of the Terms and agree to the Terms before using the service.

Article 1 (Contents of the Service)

In accordance with these Terms and Conditions, the Company will transfer the amount specified by the customer to the recipient specified by the customer based on the customer’s request for money transfer. This is a contract that involves the continuous or repeated performance of foreign exchange transactions.
Members may be issued a receipt certificate in accordance with Article 10, but the Company will not issue any other certificates or other items that represent rights related to obligations incurred in relation to foreign exchange transactions.

Article 2 (Membership Registration)

Those who wish to use the Service (hereinafter referred to as ‘Prospective Members’) must become members in advance in accordance with the method prescribed by the Company. Once you become a member, you can use the Service in accordance with these Terms and Conditions. The days and time periods for handling the Service shall be the days and time periods prescribed by the Company. The Company may change these without prior notice.
Prospective members can apply for membership by completing the ‘Overseas Remittance Service Membership Application Form’ (hereinafter referred to as the ‘Membership Application Form’) after agreeing to these Terms and Conditions and the various rules and regulations separately stipulated by the Company.
The Company will accept membership applications if it deems them appropriate (hereinafter, those who have completed the membership application process will be referred to as ‘Members’).
There is no set period of validity for membership registration. However, if you do not use the service for a year from the date of your last use, your membership will be cancelled. In addition, we reserve the right to cancel your membership at our discretion in the following cases.

(1) If you violate these terms and conditions

(2) If there are any false statements in your application or registration information

(3) If the applicant or member is a minor, an adult ward, a person subject to a conservatorship or a person subject to a limited guardianship, and the registration procedure was not carried out by the adult ward, or if the consent of the legal representative, conservator or assistant was not obtained at the time of the registration procedure

(4) If the Company judges that it is inappropriate to register or continue to register the member

Article 3 (Membership Registration Procedure)

Users who wish to register as members shall apply for membership registration in accordance with the prescribed procedures of the Company, including notification of the prescribed information (hereinafter referred to as ‘Member Information’) required by the Company.

Users who wish to register as members shall apply for membership registration using one of the methods specified in the following items.

(1) By entering the required information on our website and attaching a copy of a personal identification document, and then sending it to us, or by sending us a completed membership application form and a copy of a personal identification document by post, or by fax, email or other method specified by our company

(2) Obtaining a membership application form from our website or by other means specified by our company, filling in the required details, and sending it to our company by post, fax, email or other means specified by our company, together with the required identification documents

(3) Submitting the membership application form directly, together with the required identification documents, at our company’s business office or at a location specified by our company

When accepting the application in the preceding paragraph, the Company will carry out the identification of the applicant and other necessary checks (hereinafter referred to as ‘transaction checks’) based on the Act on Prevention of Transfer of Criminal Proceeds. If, as a result of the transaction checks, the Company is able to confirm that the applicant is the user, it will issue a membership card to the applicant and deliver it directly to the applicant or send it by post to the applicant.

If there are any questions about the registered information, if there is any suspicion that a non-member is pretending to be a member, if the law requires transaction confirmation, or if the Company deems it necessary, the Company may request that the member resubmit identification documents for transaction confirmation. The member shall promptly submit the documents requested by the Company.

Even if the Company has accepted an application for the Service, the Company may cancel the application if it has not completed the transaction verification procedures in accordance with the preceding paragraph, or if it judges that there is a risk that it will not be able to complete the transaction verification procedures.

Article 4 (Membership Card and Password)

The Company will issue a membership card to the Member.
The membership card may only be used by the member to whom it was issued, and the member may not lend, transfer, pawn or use the membership card as collateral to any other person.
If the member loses their membership card, they must contact the company immediately using the prescribed method, and if the company receives this notification, they will reissue the membership card.
Even if a member’s membership card is used by a third party, the company shall not be held responsible for any damage, loss or expenses (hereinafter referred to as ‘damage, etc.’) incurred by the member prior to the reissue procedure, except in cases of intentional or gross negligence on the part of the company.
There is no charge for the registration fee, annual fee or handling fee associated with the creation of a membership card or cancellation of membership.
Members are required to set a password when registering as a member. Passwords cannot be set using only consecutive numbers or the same number as your date of birth. We also recommend that you avoid using numbers that are easy for others to guess, such as your phone number, and that you change your password at regular intervals.
Members are responsible for managing their membership number and password strictly so that they are not revealed to third parties. If a member forgets their member number or password, or if there is a possibility that a third party may have obtained this information, the member shall immediately change their member number and password using the method prescribed by the Company. The Company shall not be liable for any damages incurred by the member prior to this change procedure if the member’s member number and password have been obtained by a third party, except in cases where the Company has acted intentionally or with gross negligence.
Members may use the Service by entering or writing down their password or by other methods deemed appropriate by the Company.

Article 5 (Remittance Requests)

Members may make a remittance request using one of the following methods when using the Service. However, the method in item 4 cannot be used when making a remittance request at the same time as applying for membership registration.

Sending a money transfer request via our website
Sending a money transfer request via our SNS
Sending a money transfer request form (hereafter referred to as the ‘money transfer application form’) by fax to our designated fax number
Sending a money transfer application form to our designated email address
Calling the telephone number designated by the Company and verbally declaring the necessary information
Sending the remittance application form to the address designated by the Company
Submitting the remittance application form in person at the Company’s business office or at a location designated by the Company

2. When making a remittance request, the Member shall follow the procedures below in accordance with the law, etc.

(1) When completing the remittance application form, accurately declare the purpose of the remittance and other prescribed matters

(2) Except in cases where the transaction confirmation has already been completed using the Company’s prescribed personal identification documents, etc., submit the Company’s prescribed personal identification documents, etc.

(3) In the case of a transaction that requires permission, etc., a copy of the document proving such permission must be submitted

(4) If you wish to request a remittance for an amount that exceeds the amount separately stipulated by our company, you must notify our company of this in advance

3. Our company will confirm the identity of members by their member number and password if they have completed registration, or by their personal identification documents if they have not completed registration.

4. Members shall pay the amount of the remittance application and the fee stipulated in Article 7 (hereinafter collectively referred to as ‘Remittance Funds, etc.’) within the payment deadline, together with the remittance request in Paragraph 1, by one of the methods stipulated in the following items. The cost of payment shall be borne by the member.

(1) By transferring to the bank account designated by the Company

(2) By delivering cash directly at our business office or at a location designated by our company

For this service, the recipient will be paid in the currency specified by the member at the time of transfer. The currency will be converted using the exchange rate at the time the transfer contract is concluded in accordance with Article 8, Paragraph 1 (for details on calculating the exchange rate, please refer to Article 8).
We will only accept money transfer requests from members during our business hours.
The maximum amount for a single money transfer using this service is 500,000 yen. In addition, if the total amount of money transferred on the same day by the same member to the same recipient exceeds 1,000,000 yen, we will not be able to accept the money transfer request.

Article 6 (Conclusion and Termination of Remittance Agreement)

A remittance agreement shall be deemed to have been concluded when the Company has confirmed receipt of the remittance funds, etc., and determined that there are no problems with the application for the Service. If the Company deems it necessary, it shall confirm the contents of the application for the Service, etc., with the Member prior to the conclusion of the remittance agreement, and if such confirmation cannot be obtained, the remittance agreement shall not be concluded.
If we determine that there is a problem with the application for this service, we will not accept the application for this service, and the application will be deemed to have been cancelled.
If we are unable to confirm receipt of the transfer funds, etc. by the payment deadline, we will deem the request for transfer using this service to have been cancelled by the member.
Even after a money transfer contract has been concluded in accordance with Clause 1, if the Company deems that any of the following events has occurred before the Company has completed the money transfer procedure, the Company may cancel the money transfer contract. In this case, the Company shall not be liable for any damages arising from the cancellation, except in cases where the Company has acted intentionally or with gross negligence.

(1) When the remittance violates foreign exchange laws and regulations or other laws and regulations, such as when it falls under the category of emergency suspension of transactions, etc.

(2) When there is a risk of war, civil war, or the freezing of assets or suspension of payments by financial institutions, etc.

(3) When there are reasonable grounds for the remittance, such as when it is related to a crime or fraud.

Article 7 (Fees, etc.)

The transfer fee and other fees for this service shall be as specified below.
In the event of a reversal or cancellation in accordance with Article 13, the member shall pay the reversal fee, refund fee, cancellation fee and transfer fee to the member’s bank account as specified below. In this case, the transfer fee specified in the preceding paragraph shall not be refunded.

[Transfer fee and reversal fee]

(1) Remittance fee

Amount of remittance	Fee
1 yen to 100,000 yen	1000yen
100,001 yen to 500,000 yen	2,000yen

(2) Reversal fee: 2,000 yen
Refund fee: 1,000 yen
Cancellation fee: 1,000 yen

Article 8 (Exchange Rate)

The exchange rate is set by our company at the start of each business day. The exchange rate shall be the Hana Bank transfer rate (TTM) plus 0.45 yen to 1.5 yen. However, this may be changed during business hours depending on the situation.
When returning funds such as transfer funds to a member, even if the company returns these funds to the member in a currency different from the transfer currency, the rate stipulated in Article 1 shall be applied on the date of processing the return procedure.
If the exchange rate results in a fraction of less than one currency unit in the amount of the funds transferred, the fraction of less than one currency unit shall be rounded down.

Article 9 (Registration of Receiver)
Members may register information about the receiver (i.e. the receiver’s name, transfer method, purpose of transfer, etc.) using the method prescribed by the Company when using the Service.

Article 10 (Issuance of Receipt)

When a money transfer contract has been concluded in accordance with Article 6, Paragraph 1, and the funds have been received at the store, or when a request has been made by a member who has made a bank transfer payment, the Company will issue a receipt by email.
Please keep the receipt in a safe place, as it will be required in the event of a reversal or other such case under Article 13.

Article 11 (Payment of Remittance Funds)

The Company shall pay the amount specified by the Member to the recipient designated by the Member (hereinafter referred to as the ‘Receiving Account’) by transferring the amount specified by the Member to the Receiving Account.
The standard execution period for money transfers using this service is one hour from the time when the Company receives the money transfer request from the Member and confirms the transfer funds have been deposited, but there may be cases where it takes longer to complete the transfer due to the business hours of the financial institution associated with the receiving account, regulatory requirements, weather conditions, telecommunications line conditions, or other circumstances.

Article 12 (Inquiries about Transaction Details)

If you have any questions about the Service, such as when the funds have not arrived in the recipient’s account after you have requested a money transfer, please contact us immediately.
If there is a need to do so, such as when there is an inquiry from a related organization regarding a member’s money transfer request, we may contact the member to ask about the details of the money transfer request. In this case, the member should respond promptly.
If there is no response to our inquiry within a reasonable period of time, or if there is an inappropriate response, we may not be able to pay the funds to the recipient. We will not be responsible for any damages incurred as a result.

Article 13 (Reversal and Cancellation)

If a member wishes to cancel a request after the remittance contract has been concluded, the company will accept requests for cancellation or reversal at its contact point.
When a member wishes to reverse a transaction, they must fill in the necessary information accurately on the company’s prescribed ‘Reversal (Cancellation) Request Form’ and submit it to the company along with the ‘Receipt Certificate’. In this case, we will ask you to submit the prescribed identification documents and confirm your identity.

Article 14 (Handling of Personal Information)

We will handle the personal information of members in accordance with our personal information protection regulations.
In relation to the use of the Service, the Company may provide the information of the Member and the Recipient to the Company’s contractors, agents and other third parties to the extent necessary for the provision of the Service.
The Company may comply with any request for the submission of the information of the Member or the Recipient to any law, court proceedings, other legal procedures or regulatory authorities.

Article 15 (Exclusion of Antisocial Forces)

The Member represents that neither he/she nor the Recipient designated by the Member falls under any of the following items, and also guarantees that he/she will not fall under any of the following items in the future.

(1) A member of a crime syndicate

(2) A member of a crime syndicate

(3) A person who has not yet passed five years since he/she ceased to be a member of a crime syndicate

(4) A quasi-member of a crime syndicate

(5) Companies with links to organized crime

(6) Corporate extortionists, social movement advocates, or members of special intelligence and violence groups

(7) Other persons equivalent to those listed above

Members undertake not to commit any of the following acts themselves or through a third party

(1) Acts of making violent demands

(2) Unreasonable demands that exceed legal liability

(3) Threatening behavior or the use of violence in relation to transactions

(4) Actions that damage the Company’s reputation or interfere with the Company’s business by spreading rumors, using fraudulent means or using force

(5) Other actions that are equivalent to the preceding items

Article 16 (Suspension, Cessation or Interruption of the Service)

The Company may suspend, cease or interrupt the provision of the Service if it deems it necessary to suspend or interrupt the system due to system maintenance, communication lines or methods, computer failure, etc.
When the Company suspends, halts or interrupts the Service, it shall post a notice to that effect on its website etc. in advance. However, if the Company deems it necessary to do so urgently due to a system failure etc., it may suspend, halt or interrupt all or part of the Service without prior notice.
The Company shall not be liable for any damages incurred by members due to the suspension, discontinuation or interruption of the Service based on the preceding two paragraphs, unless the Company has acted intentionally or with gross negligence.
The Company may set various restrictions on the Service at any time without prior notice to members, and may also change the restrictions that have been set. The Company shall not be liable for any damages incurred by members due to the setting of these restrictions or changes to the restrictions, unless the Company has acted intentionally or with gross negligence.

Article 17 (Cancellation of Membership Registration)

The Company may, without prior notice, suspend the provision of the Services to members and cancel their membership registration if it determines that the member falls under any of the following items. The Company shall not be liable for any damages incurred by members due to this.

When a member has acted in a way that violates the law or these regulations
When it is found that a member falls under any of the items in Article 15, Paragraph 1, or has acted in a way that falls under any of the items in Paragraph 2 of the same article, or has made a false declaration regarding the representations and assurances based on the provisions of Paragraph 1 of the same article
When the content of the member’s remittance request violates laws and regulations, etc.
When the Service is used for, or there is a risk of it being used for, an act that violates laws and regulations or public order and morals
When the member’s whereabouts become unknown
In addition to the items listed above, when there is a reasonable cause that necessitates the suspension of the Service by our company

Article 18 (Exemption Clause)

If a remittance cannot be made due to force majeure such as disasters, incidents, wars, etc., restrictions imposed by laws and regulations, measures taken by public institutions such as the government or courts, or other reasons for which the Company is not responsible, the Company will not be liable for any damages incurred by the Member as a result.
Even in cases where there are circumstances such as errors in the name of the recipient or the account number, disputes between the member and the recipient or a third party regarding the cause of the remittance, or theft of the member card or password, etc., the Company shall not be liable for any damages incurred by the member due to such circumstances, except in cases where the Company has acted intentionally or with gross negligence.
When the Company receives a remittance request from a member using a telephone or other communication device, the Company shall only be liable if it receives the request through the communication device. If the Service is delayed or becomes unavailable due to a fault in the communication equipment or line, a fault in the communication method, etc., or if there is an error or omission in the information sent by the Company, the Company shall not be liable for any damages incurred by the Member, except in cases where the Company has acted intentionally or with gross negligence.
If the Company is liable for compensation for damages in relation to these Terms, the amount of compensation will be limited to the amount of the funds transferred.

Article 19 (Changes or Abolition of These Terms)

These Terms and the content of the Service (including the usage time, limit amount and fees, etc.) may be changed or abolished if there are changes in financial conditions or other circumstances, or if there are other reasonable grounds for doing so. In such cases, the Company will give prior notice by posting the date of the change or abolition, the details of the change, and other necessary matters on the Company’s contact point or website, etc., and from the date of the change, the Company will handle matters in accordance with the changed details. In addition, the Company may suspend the use of all or part of the Service due to such changes or abolition.
The Company shall not be liable for any damages incurred as a result of the changes, discontinuation or suspension of use described in the preceding paragraph.

Article 20 (Prohibition of Assignment, Pledging, etc.)
The contractual status of the Member under these Terms and Conditions and all other rights pertaining to the Service may not be assigned, lent, pledged or otherwise transferred to a third party, nor may they be used by a third party.

Article 21 (Changes to Notified Information, etc.)

If a member wishes to change their name (corporate name), address (location), telephone number, email address or any other notified information, they must notify the Company immediately in writing.
Any changes notified in accordance with the previous clause shall become effective for the Company when the Company has been deemed to have completed the necessary change procedures.
If the Company sends a notice or document to the notified address and name, and it is returned to the Company undelivered, theCompany will check the customer information, and if the customer information cannot be confirmed, the Company will delete the customer information and will not accept any remittance requests until the correct customer information is notified. The same applies to the sending of emails to the notified email address, even if it is returned to the Company undelivered.
If we send a delivery item to the address you have notified us of, and it is delayed or does not arrive due to traffic conditions or other reasons, we will assume that it has arrived at the usual time it would have arrived, and we will not be liable for any damages incurred as a result, except in cases where we have acted intentionally or with gross negligence. The same shall apply even if an email is sent to the notified email address but is delayed or does not arrive due to reasons such as communication conditions.

Article 22 (Matters concerning prevention of mistaken identification with exchange transactions conducted by banks, etc.)
Members shall use the Service after fully understanding and agreeing to the following items.

(1) This service is not a foreign exchange transaction conducted by a bank, etc.

(2) This service does not involve the Company accepting deposits, savings or fixed-term savings (as defined in Article 2, Paragraph 4 of the Banking Act).

(3) The Service is not covered by insurance payments as stipulated in Article 53 of the Deposit Insurance Act or Article 55 of the Agricultural and Fishery Cooperative Savings Insurance Act.

(4) In order to secure the refund claim rights (as defined in Article 23, Paragraph 1) of the client of this service, the Company shall make a deposit of a performance guarantee to the Tokyo Legal Affairs Bureau (the type of money transfer business operated by the Company is Type 2 Money Transfer Business. The calculation period for the deposit shall be one week, and if it is necessary to make an additional deposit, it shall be made within three business days from Monday as the reference date).

Article 23 (Performance Bond)

In accordance with the provisions of Article 43 of the Act on Payment Services (hereinafter referred to as the ‘Payment Services Act’), the Company shall deposit a performance bond calculated in the prescribed manner with the Tokyo Legal Affairs Bureau to secure its obligations to the remitter. In the event that the Company is unable to repay its debt, the remitter shall have the right to receive repayment of the performance guarantee money (hereinafter referred to as the ‘right to claim repayment’) before other debtors of the Company.
The right to claim a refund shall belong to the remitter until the recipient actually receives the remittance in this service. After the recipient has actually received the remittance, the remitter may not exercise the right to claim a refund.
If any of the events prescribed in Article 59, Paragraph 2 of the Payment Services Act occurs, the remitter may receive a refund of the performance guarantee money through the refund procedures prescribed in the same article.
If the reason in the previous paragraph occurs, the recipient of the money transfer service cannot receive the money transfer. If the reason in the previous paragraph occurs and the refund procedure is executed after the recipient of the money transfer service has received the money transfer, the money transfer requester must return the money equivalent to the performance guarantee money that was refunded to the Company.

Article 24 (Compensation Policy for Unauthorized Transactions)

In the event that a member incurs a loss as a result of an unauthorized transaction carried out against the Member’s will, the Company will not, in principle, compensate the Member for the loss incurred. However, in the event that an unauthorized transaction is carried out due to a reason for which the Company is responsible, the Company will consider compensation separately.

Article 25 (Measures to be taken when money is received that is not recognized as being used for foreign exchange transactions)

The Company cannot receive remittance funds in advance before receiving an application from a member. Please be sure to send remittance funds to the Company after making an application for remittance.
If the Company receives money from a member that is not intended for foreign exchange transactions, it will promptly return the money to the Member by one of the following methods: transferring it to an account in the Member’s name, sending it by registered mail to the Member’s address, or using another method. No interest will be paid on such money. The Member will be responsible for any costs incurred in returning the money.

Article 26 (Location and contact details of the office that deals with consultations and complaints)

The contact details for consultations and complaints about this service are as follows.

(Contact details in Japan)

IDA Japan Co.

710 Casa Shinjuku 2, 1-12-3 Okubo, Shinjuku-ku, Tokyo

Telephone number: 03 (6205) 9545

+81-3-6205-9545

Fax number: 03 (6205) 9546

+81-3-6205-9546

URL: https://exjoy-remit.com

Opening hours: Monday to Friday, 10:00 to 18:00

Closed on Saturdays, Sundays, public holidays and year-end and New Year holidays (from 31 December to 3 January)

(Contact details in South Korea)

NNP KOREA CO., LTD.

309 YWCA Main Bldg 73 Myeongdong-Gil Jung-Gu, Seoul, Korea

Telephone number: (+82) 02-755-6321

Opening hours: 10:00 to 18:00

There are no regular holidays.

Article 27 (Financial ADR, Complaint Handling Measures and Dispute Resolution Measures)

The complaint handling measures and dispute resolution measures stipulated in the Payment and Settlement Act are as follows.

(1) Complaint handling measures:

Japan Payment Service Association

Phone: 03-3556-6261

The flow of consultation and complaint handling at the association can be confirmed at the following URL.

http://www.s-kessai.jp/info/funds_consumer_inquiry_i.html

(2) Dispute resolution measures:

Tokyo Bar Association Dispute Resolution Center Tel: 03-3581-0031

Daiichi Tokyo Bar Association Arbitration Centre Tel: 03-3595-8588

Daini Tokyo Bar Association Arbitration Centre Tel: 03-3581-2249

Article 28 (Governing Law and Jurisdiction, etc.)

These Terms and Conditions shall be interpreted in accordance with the laws of Japan.
In the event that litigation becomes necessary in relation to these Terms and Conditions or the Services, the Tokyo District Court shall be he court of exclusive jurisdiction for the first instance.
These Terms and Conditions are written in Japanese. In the event of any discrepancy between the interpretation of the Japanese version and the translated version of these Terms and Conditions, the interpretation of the Japanese version shall take precedence.
If there are any laws, regulations, or orders based on laws or regulations that take precedence over these regulations, they shall be applied regardless of these regulations.
Matters not stipulated in these regulations shall be governed by our company’s regulations, rules, etc.

Privacy Policy

We have established this privacy policy in order to ensure the proper handling of personal data as an organisation in accordance with the Act on the Protection of Personal Information (hereafter referred to as the ‘Personal Information Protection Act’).

Compliance with relevant laws and regulations

We will comply with the Personal Information Protection Act, the Guidelines on the Protection of Personal Information, and other guidelines and other relevant laws and regulations in the handling of personal information.

Proper use of personal information

We will clarify the purpose of use of customers’ personal information by publishing it on our website or notifying them in writing, and use it within the scope necessary to achieve the purpose of use, except in cases where it is stipulated by law. In addition, with regard to specifying the purpose of use, for example, we will take measures to limit the purpose of use for each customer attribute by taking into account the content of our business, and we will also take measures to limit the purpose of use by customer choice, etc., and we will strive to make the purpose of use clearer for customers. In addition, we will endeavor to clearly specify the source of the personal information and the method of acquisition (type of acquisition, etc.) as specifically as possible. We will not provide personal information to third parties without the consent of the individual concerned, except in cases where there is a justifiable reason, such as when required by law.

Safe management of personal information

The company will take appropriate safety management measures to prevent unauthorized access, loss, destruction, alteration and leakage of personal information in its possession.

The company will comply with relevant laws, guidelines, etc., and establish internal regulations regarding information security in order to maintain and improve information security.
We will assign an information system administrator to protect and appropriately manage personal information, and will establish a system that allows us to promptly implement information security measures.
We will provide ongoing internal training to employees to protect and appropriately manage personal information.
We will check compliance with relevant laws, guidelines, etc. by conducting regular internal and external audits to maintain and improve information security.
When outsourcing the handling of information, our company will select a company that can sufficiently ensure security. In addition, we will require regular reports from the outsourcing company regarding the handling of information, and will also conduct regular evaluations of the outsourcing company.
Our company will maintain and improve information security by continuously implementing, evaluating, and reviewing the above initiatives.

Development of internal rules for the protection of personal information

We will develop internal rules for the protection of personal information, clearly state our policy on the handling of personal information, and take a strict stance against the leaking of personal information.

Provision of personal information to third parties

We will not provide your personal information to third parties without your prior consent, except in cases where this is stipulated by law.

Entrusting of personal information

When our company outsources the handling of personal information to an external party, we will select a contractor who is recognized as handling personal information appropriately based on our company’s standards, and we will conclude a contract to ensure appropriate handling, and we will provide necessary and appropriate supervision to ensure that the contractor takes appropriate safety measures for personal information. In addition, we will strive to make the outsourced administrative processing as transparent as possible by clarifying whether or not there is an outsourcing arrangement and the content of the outsourced work.

Maintaining and improving the protection of personal information

In order to ensure that personal information is handled appropriately, we will provide all executives and employees with education on the protection of personal information and conduct regular audits of the handling of personal information, and we will implement this protection policy and strive to continuously improve it.

Establishment of a contact point for inquiries about personal information

We have established a contact point for customers to make inquiries about the handling of personal information, and we will strive to respond appropriately and promptly. In addition, if the individual in question makes a request regarding the personal data held by our company, we will strive to respond to the request to the extent possible, including suspending the sending of direct mail from our company.

【Contact point for inquiries about the handling of personal information】

IDA Japan, Inc.

Hours: Monday to Friday, 10:00 to 18:00

Telephone number: 03 (6205) 9545

Continuous improvement of activities related to the protection of personal information

We will continuously review and improve the activities listed in 1 to 8 above related to the protection of personal information.

1st April 2022 Established

IDA Japan Inc.

Casa Shinjuku No.2, 710, 1-12-3 Okubo, Shinjuku-ku, Tokyo

Representative Director: Park Sungpill

Personal Information Protection Policy

IDA Japan (hereafter referred to as ‘our company’) will handle the personal information of our members as follows, based on the ‘Act on the Protection of Personal Information’.

Purpose of use of personal information

(1) We will keep your personal information, such as your address, name, zip code, telephone number, fax number and email address. We will use this personal information for the following purposes. If it becomes necessary to use this information for purposes other than those specified, we will contact you in advance to obtain your consent.

【Purposes for which personal information is used】

We will use your personal information to provide you with information and proposals regarding our overseas money transfer services, to conclude and execute contracts, to provide after-sales service, to contact and communicate with you, to develop new products and services, and to provide you with information that we think will be useful to you, in compliance with the Act on the Protection of Personal Information.

(2) When our company obtains personal information in order to provide and operate our business, we shall confirm with the provider that the personal information obtained is appropriate, and shall obtain it after implementing the necessary procedures.

Storage of Personal Information

(1) Our company shall store member information, member marketing intentions, and member transaction histories for the period necessary for the purpose of obtaining the information, in accordance with laws and regulations, etc.

(2) If a member does not make any new transactions during the relevant storage period, the member information and information regarding the member’s marketing intentions will be deleted.

Entrusting of Personal Information

(1) In order to carry out our business smoothly, we may entrust some of our business to third parties, but when we entrust personal information in conjunction with the entrustment of business, we will try to limit the scope as much as possible. We also regularly check whether personal information is being handled appropriately based on the standards we have set.

1	Name of country of contractor	South Korea
2	System for protecting personal information in the relevant foreign country	The Personal Information Protection Act has been enacted. For more details, please refer to the following. https://www.ppc.go.jp/files/pdf/korea_report.pdf
3	Measures taken by the third party to protect personal information	The third party generally takes measures to protect personal data that are equivalent to the standards required of personal information handling businesses in Japan.
4	Purpose of use	To carry out the overseas money transfer service (money transfer to the destination) provided by our company
5	Details of the personal information data to be transferred	Customer’s address, name, zip code, telephone number, fax number, email address, information on the destination of the money transfer

(2) We provide personal information to overseas contractors as follows.
(3) The Company shall confirm that the entrusted party stipulated in Paragraph 2 is properly managing personal information. The specific details are as follows.

1	Frequency and method of confirmation	This is carried out once a year in the form of a written report.
2	Outline of the appropriate measures to be implemented by the third party	In the outsourcing contract, the same measures as those stipulated in the Act on the Protection of Personal Information in Japan are stipulated (i.e. that personal data will be handled within the scope of the specified purpose of use, that inappropriate use is prohibited, that necessary and appropriate safety control measures will be taken, the necessity of appropriate supervision of employees, the prohibition of re-consignment, the requirement that the transfer originator report to the Personal Information Protection Commission and notify the individual in the event of a leak, etc., and the prohibition of the provision of personal data to third parties, etc.).
3	Frequency and method of confirmation	This is carried out once a year in the form of a written report.
4	Existence and summary of the relevant foreign country’s system that may affect the implementation of reasonable measures by the relevant third party	The Personal Information Protection Act has been enacted. For details, please refer to the following. https://www.ppc.go.jp/files/pdf/korea_report.pdf
5	Existence and summary of obstacles to the implementation of reasonable measures by the relevant third party	None in particular.
6	Outline of measures to be taken by the Company regarding said obstacles	None in particular.

Provision of Personal Information to Third Parties

(1) The Company will not provide personal information to third parties without obtaining the consent of the member in advance. However, the following cases are excluded.

①When based on laws and regulations

②When it is necessary for the protection of human life, body or property, and it is difficult to obtain the consent of the person in question

③When it is particularly necessary for the improvement of public health or the promotion of the sound upbringing of children, and it is difficult to obtain the consent of the person in question

④When it is necessary to cooperate with a national agency, local public body, or a person entrusted by them in the execution of affairs prescribed by law, and obtaining the consent of the person in question is likely to hinder the execution of said affairs

(2) In addition to the cases listed in the preceding paragraph, the Company will disclose member information to other third parties in order to ascertain and improve the provision of goods and services to members, except in cases where the member objects.

Requests for Disclosure and Correction of Personal Information

(1) Customers may view and copy their own information within the scope stipulated by law, in accordance with the methods prescribed by the Company. In addition, a fee as specified by our company is required for viewing or copying. The method for viewing or copying shall be as specified by our company. In the event that our company is requested by the individual to suspend the provision of retained personal data to a third party, and it is found that there is a reason for the request, we will suspend the provision of retained personal data to a third party without delay.

(2) Personal information obtained in conjunction with a request for disclosure will be handled only to the extent necessary for the disclosure request, and documents submitted for the purpose of confirming transactions will be processed promptly after the response is complete, in accordance with the personal information disposal procedures specified by our company.

(3) Customers can correct, delete or suspend incomplete, inaccurate or expired member information.

(4) If a customer who is withdrawing from the service requests that their retained personal data be deleted, we will not be able to delete the data for the following reasons. However, we will not use or view the customer’s personal data except when responding to inquiries from the customer after they have withdrawn from the service.

① Because it is necessary to respond appropriately to inquiries from the customer themselves, their agent, or government offices, etc. after they have withdrawn from the service

② because the retention of the personal data is necessary for the legitimate business activities of our company

(5) In accordance with the law, you may object to the processing of your membership information in certain circumstances (except where the processing of your membership information is necessary to complete the Services), if you have a legitimate reason to do so.

(6) In the event of a request for disclosure, we will respond using one of the methods specified by the applicant for disclosure, as specified by the Personal Information Protection Commission. However, if the disclosure using the specified method requires a large amount of expense or is difficult to disclose using the specified method, we will respond by delivering a written document.

① Method of delivering a written document

② Method of sending a PDF file, etc. by email

③ Other methods specified by our company

Please note that we will not be able to disclose information in the following cases. If we decide that we cannot disclose information, we will notify you to that effect, with reasons attached.

① If we cannot confirm the identity of the person concerned

② If there are any deficiencies in the prescribed application form or identification documents, etc.

③ If the information subject to disclosure does not fall under the category of personal information to be disclosed

④ In cases where there is a risk of harm to the life, body, property or other rights or interests of the individual or a third party

⑤ In cases where the information is information belonging to the trade secrets or know-how of our company or a third party, information related to the evaluation, classification or categorisation of individuals, or other information that is used or recorded solely for internal company purposes such as internal audits, investigations or analysis, and there is a risk that disclosure of the information will cause significant disruption to the proper implementation of our company’s business

⑥ In cases where it would be in violation of other laws and regulations

(7) If you wish to exercise the rights stipulated in paragraphs 1, 3 and 5, or if you do not wish to receive further information from our company, please contact us.