Home > Terms and Conditions of International Money Transfer Transactions

Terms and Conditions of International Money Transfer Transactions

When conducting transactions with SBI Remit Co., Ltd. (hereinafter referred to as the “Company”), such transactions shall be made based on consent to the Terms and Conditions of International Money Transfer Transactions (hereinafter referred to as the “Terms and Conditions”), and when transactions are made with the Company, the Company shall deem that the customer (meaning individual and corporate customers; the same shall apply hereinafter) has consented to the Terms and Conditions.

Chapter 1 (General Provisions)

Article 1 (Purpose)

The purpose of the Terms and Conditions is to stipulate the rights and obligations occurring between the Company and parties who wish to use the International Money Transfer Service and International Money Transfer Receipt Service (hereinafter referred to as the “Services”) offered by the Company, and to stipulate the terms of use concerning the Services.

Article 2 (The Services)

The Services provided by the Company refer to the two following services.

  • (1) International Money Transfer Service: A service enabling a money transfer to be received by the recipient of the money transfer (hereinafter referred to as “money transfer recipient”) at one of the Company´s partner stores or agents based upon a money transfer request from the customer.
  • (2) International Money Transfer Receipt Service: A service enabling a money transfer to be received by the customer at one of the Company´s partner stores or agents based upon a receipt request from the customer.

Article 3 (Use of the Services)

  • When using the Services, the customer shall register in advance in accordance with the provisions of Article 4 and Article 5 to become a registered member of the Company (defined in Article 4.3).
  • In principle, the customer may use the Services around the clock every day of the year via a method using a personal computer connected to the Internet, a mobile phone, etc. able to connect to a network prescribed by the Company (hereinafter collectively referred to as “terminals”) or via another method stipulated by the Company.
  • Notwithstanding the provisions of the preceding paragraph, the Company may stop, suspend or halt the provision of part or all of the Services for system maintenance required for the provision of the Services.
  • When temporarily halting the Services, the Company shall provide notice on the Company´s Web site and mobile site. However, if urgent measures are deemed to be necessary by the Company due to a system failure, etc. the Company may stop, suspend or halt part or all of the affected systems.

Article 4 (Provisional Members and Registered Members)

  • The customer shall apply for provisional registration to become a provisional member using the procedures prescribed by the Company including notification of information on the customer as prescribed by the Company and including the customer´s user name setting and address (hereinafter referred to as “member information”).
  • When the Company has received the above application and authorized provisional registration, the Company shall confirm the identity of the person using one of the methods below in accordance with the Act on Prevention of Transfer of Criminal Proceeds (Act No. 22 of 2007; including subsequent revisions), and issue a provisional login password to the customer.
    (1) Method in which the identification documents prescribed by the Company are submitted and transaction documents including the provisional login password (hereinafter referred to as “transaction documents”) are sent to the address provided using a method prescribed by the Company.
    (2) Method in which the transaction documents sent to the address provided by the customer are received when the identification documents prescribed by the Company are shown to the person handling the delivery.
    In addition to the methods above, the Company may contact the customer using the telephone number, etc. provided if deemed to be necessary.
  • A customer who receives the provisional password using the method in the preceding paragraph becomes a provisional member. In order to use the Services after becoming a provisional member, it is necessary to consent to the Terms and Conditions according to the method prescribed by the Company and to perform final registration to become a registered member. The Company collectively refers to registered members and provisional members as members.
  • If the transaction documents stipulated in Paragraph 2 of this Article are not delivered and are returned to the Company, or if it is not possible to reach the customer despite attempts to contact the customer being made by the Company using the method stated in the proviso of Paragraph 2 of this Article, the company shall not perform provisional registration of the customer. Provisional registration may not be carried out in cases where the Company deems that there are any doubts concerning the information provided by the customer. The Company shall not be held in any way liable for damages occurring to the customer due to provisional registration not being carried out.

Article 5 (Registration Procedure)

  • For a provisional member to become a registered member, the member shall (i) login to the Services page on the Company´s Web site or mobile site (hereinafter collectively referred to as “Web sites”) using the provisional password issued by the Company in accordance with the provisions of Article 4.1 and the user name specified at the time of application, (ii) check that the member information submitted to the Company at the time of provisional registration is correct, (iii) consent to the Terms and Conditions displayed on the Services page, and (iv) perform the following procedures to (1) change the provisional login password to the login password and (2) set up the transaction password.

    (1) Login password
    This is used for logging into Services screen from the Company´s Web site, etc. This can be used by changing the provisional login password received from the Company.
    (2) Transaction password
    This is used when using the Services on the Company´s Web site. A new password must be set up to use it.
  • Once the procedures for setting up the login password and transaction password in preceding paragraph have been completed, the provisional member makes the transition to a registered member. Provisional members who have not completed the registration in the preceding paragraph may not use the Services.
  • If an error in the member information submitted to the company during provisional registration procedures is discovered when a provisional member performs the registration procedures stipulated in Paragraph 1 of this Article, or a change has been made to the information in the period between provisional registration procedures and registration procedures, the provisional member shall promptly notify the Company using a method prescribed by the Company.

Article 6 (Money Transfer Reserve Account)

  • The Company shall assign, to each customer, an account for using the service (hereinafter referred to as “account”), which is used for managing the reserve for money transfers (hereinafter referred to as “money transfer reserve”) and the amount of the money transfer received (hereinafter referred to as “money transfer received”).
  • Deposits to the account by the customer shall be made using the following methods. Deposits to the account must be made in Japanese yen, and the customer shall be responsible for checking that deposits of the money transfer reserve into the account are complete.
    (1) Deposit by bank transfer
    (2) Deposit by convenience store payment slip
    (3) Deposit from Post Office (ATM or teller)
  • The customer shall be deemed to fully understand and agree that the deposits made by the customer in accordance with this Article are only deposits accepted as a money transfer reserve and differ in nature from the acceptance of deposits, savings and installment savings, etc. (meaning the Installment Savings, etc. prescribed in Article 2.4 of the Banking Act (Act No. 59 of 1981, including subsequent revisions)) carried out by banks, etc. and that no interest shall be accrued on the deposits made to the account.
  • The expense of bank fees arising when the customer makes a deposit into the account using the method in Item 1 of Paragraph 2 of this Article shall be borne by the customer, and when making a deposit into the account using a method in Item 2 or Item 3 of the same paragraph, the customer shall pay the deposit fee stipulated in Article 28.2.2 to the Company.
  • When applying for a money transfer through the International Money Transfer Service before the deposit in Paragraph 2 and Paragraph 3 of this Article has been completed, there is a possibility that the application will be deemed to have been cancelled in accordance with the provisions of Article 21.10.
  • The customer may check records of account activity, the balance of the money transfer reserve and records of the use of the Services on the Company´s Web site.
  • The Company retains records concerning the use of Services by the customer for a reasonable period. In the event questions arise between the Company and the customer concerning the details of the use of Services, the Company´s records shall be treated as being valid.

Article 7 (Refunding Money Transfer Reserve)

  • The customer may refund the money transfer reserve from the account by performing the procedures prescribe by the Company on the Company´s Web site. However, no refunds may be made after the recipient receives the transferred funds.
  • The method of repayment in the preceding paragraph shall be limited to bank transfer to a savings account in the customers name other than the account.
  • The customer shall, in principle, bear the cost of fees prescribed by the company when such a refund is made. The fees can be checked at the URL link below.
    (URL:https://www.remit.co.jp/MainAboutCommission.jsf?menuid=4#04)

Article 8 (Management of Passwords, etc.)

  • Management of Password Information
    (1) The customer shall be responsible for stringently managing the user name and the passwords (meaning the login password and transaction password provided in Article 5.1; hereinafter referred to as “password information”) set in accordance with the procedures provided in Article 5.1 and changed in accordance with the procedures provided in Article 8.2 to ensure they do not become known to any third party. If the customer loses password information or there is a possibility that they have become known to a third party, the customer shall immediately perform procedures to change the password information using the method prescribed by the Company. The Company shall be in no way liable for any damages occurring to the customer before changes are made as a result of the customer's password becoming known to a third party.
    (2) Password information may not be the same as the user name, or be made up of the user´s date of birth or a sequence of identical numbers. It is recommended that the use of telephone numbers or other numbers that can easily be guessed by others is avoided, and that the password information is changed after a certain period.
  • Changing Password Information
    (1) The Customer may change the password information as required using the procedures prescribed by the Company according to Article 5.1 via the Web sites. In such cases, the identity of the customer shall be checked using the method stipulate in Article 9.
    (2) Perform the procedures prescribed by the Company if you lose your password information. If the person cannot be identified using password information, it is possible to apply for a provisional login password by conveying the necessary information prescribed by the Company to the Company using a method prescribed by the Company. When the Company has received this, and agreed to issue a provisional login password to the customer, the Company shall issue this to the customer. The customer receiving the provisional login password shall (1) change the provisional login password to the login password and (2) set up the transaction password in accordance with the procedures in Article 5 Paragraph 1.
  • Incorrect Entry of Password Information
    If the customer repeatedly enters a password different to the registered login password or transaction password more than the number of times specified by the Company, the Company shall cease handling said password for a period prescribed by the Company.

Article 9 (Identification)

  • Identification Using Password Information
    The Company shall identify the customer by comparing the password information used when logging into the Services site or using the Services with the password information set in advance in accordance with Article 5.1 and verify the customer´s identity of they match.
    If the customer is deemed to be a legitimate user based on the identification, the Company shall deem transactions based upon this as being valid, regardless of whether the result of falsification, modification, theft, unauthorized use, or other incident involving the password information, and neither the Company nor MoneyGram (defined in Article 22 Paragraph 1) shall be held in any way liable for damages occurring as a result.
  • Identification Using Seal Provided (Excluding individual customers)
    In addition to the method stipulated in the preceding paragraph, corporate customers may be identified by comparing the impression of the seal used on documents prescribed by the Company with the matching seal that has been registered with the Company. If the customer is deemed to be a legitimate user based on careful comparison of the impression of the seal used on invoices, notices or other documents with the matching seal that has been registered with the Company, the Company shall deem transactions based upon this as being valid, regardless of whether the result of falsification, modification, theft, unauthorized use, or other incident involving the documents, and the Company shall not be held in any way liable for damages occurring as a result. If the registered seal is lost, immediately notify the Company and carry out the procedures prescribed by the Company in writing. Restrictions will immediately be placed on transactions when the notification is received. The Company shall be in no way liable for any damages occurring to the customer before the above notification is made as a result of the customer's registered seal used by a third party.
  • Reconfirmation of Identity
    If after registration as a registered member, identification is necessary pursuant to relevant laws such as the Act on Prevention of Transfer of Criminal Proceeds (Act No. 22, including subsequent revisions), or for other reasons deemed necessary by the Company, the Company may request that the documents stipulated by the Company be submitted again. If these documents are not submitted (including cases in which the Company is not notified by the deadline, notice requesting the submission of documents is sent to the customer´s registered address and is returned to the Company as undeliverable, and the customer cannot be contacted via the registered telephone number), the Company may stop the customer´s transactions in whole or in part or cancel the member´s registration in accordance with Article 13.3.8. The Company shall be in no way liable for any damages occurring as a result.

Article 10 (Amendments to Registered Information)

  • Members change or have changed their name, address, phone number, registered seal (excluding individual customers), or other registered information (meaning member information notified to the Company in accordance with the provisions of Article 4.1, notification of the change should immediately be made using a method prescribed by the Company.
  • Even if the registered e-mail address or address is the e-mail address or address of a person other than a member, the Company shall be in no way liable for any damages occurring as a result.
  • If there has been or is a change to the registered information, the Company shall be in no way liable for any resulting damages occurring to the member before the change procedures in Paragraph 1 are carried out. Furthermore, the Company shall be in no way liable for any resulting damages occurring to the member as a result of a problem with the registered information or the member neglecting to submit notification pursuant to Paragraph 1.

Article 11 (Method of Announcements and Notifications)

  • The customer consents that when the Company makes an announcement or notification to the member in accordance with the Terms and Conditions, the announcement or notification shall be made by publication on the Company’s Web site, sending e-mail or SMS or other method.
  • If notification is sent to the e-mail address, phone number or address registered to the Company, and its arrival is delayed or it fails to arrive due to communication circumstances, the registered information being incorrect or no up to date, or any other reason not attributable to the Company, the member agrees that the notification shall be deemed to have arrived normally in such cases.
  • The member may register multiple e-mail addresses to the extent prescribed by the Company. With the exception of items stipulated by the Company, transaction results, campaign information and information selected by the member shall be sent to the e-mail address specified by the customer. E-mail addresses shall be registered in accordance with the method prescribed by the Company.

Article 12 (Prohibition of Assignment and Pledges, etc.)

The member may not assign lend, pledge or otherwise grant rights to a third party concerning the position or any other related rights related to transactions with the Company or enable a third party to use said rights without the consent of the Company.

Article 13 (Cancellation of Membership, Restrictions on Transactions)

  • The member may cancel membership using the method prescribed by the Company.
  • When performing the procedures in the preceding paragraph to cancel membership and a money transfer reserve has been deposited into the Account, the Company may be exempted from all liability to the customer by transferring the funds into a savings account specified by the customer other than the Account (however, the account specified by the Company shall be limited to an account in a financial institution to which the Company is able to perform transfers. The Company shall be in no way liable for any damages even if the occur as a result of being unable to make transfers into specified financial institution.
  • If any of the following items apply, the Company may immediately stop the Services in whole or in part, or cancel membership without providing prior notice to the member. The money transfer reserve deposited in the Account at the time the membership is cancelled shall be handled in accordance with the provisions of the preceding paragraph.
    (1) When payment ceases or a petition for the initiation of bankruptcy procedures, civil rehabilitation procedures, corporate reorganization procedures or special liquidation procedures is filed.
    (2) When an order or notice concerning provisional seizure, protective seizure or seizure has been sent.
    (3) When succession has commenced.
    (4) When the whereabouts of the member are unknown.
    (5) When the member has not used the Services for more than 2 years
    (6) When it has been deemed that the Services have been or may be used for acts in violation of the law or public order and morality.
    (7) When it is revealed that the member does not actually exist, or when it is revealed that the member was registered without the member´s intent.
    (8) When it is revealed that the information submitted by the member is false or that the documents submitted by the member are untrue.
    (9) When the necessary documents are not submitted despite a request being made to submit them again for reconfirmation of the person´s identity in accordance with Article 9.3 (including cases in which the Company is not contacted before the date specified by the Company, cases in which notice requesting the submission of documents is sent to the customer´s registered address and is returned to the Company as undeliverable, and cases in which the person cannot be contacted using the registered telephone number.)
    (10) When any other grounds for termination of the regulations concerning transactions with the Company occur.
    (11) When the customer is in violation of these Terms and Conditions or regulations on various transactions.
    (12) When it is revealed that the member is any of the following.
    • 1. A crime syndicate
    • 2. A member of a crime syndicate
    • 3. A quasi-member of a crime syndicate
    • 4. A company affiliated with a crime syndicate
    • 5. A party that may take violent and illegal action in the pursuit of obtaining unfair profit from enterprises, etc., and who threatens the security of civic life.
    • 6. A party that may take violent and illegal action in the pursuit of obtaining unfair profit by imitating or advocating a social movement or political activity, and who threatens the security of civic life.
    • 7. In addition to the parties listed in the items above, a group or an individual who uses threats based upon ties to a crime syndicate, or who has financial links with a crime syndicate and is at the core of organized fraud.
    • 8. Other parties similar to those listed above.
    (13) When the member performs or uses a third party to perform any of the following actions.
    • 1.Making violent demands.
    • 2.Making illegitimate demands that exceed legal responsibilities.
    • 3.Making threatening statements or taking violent action in relation to transactions.
    • 4.Spreading false information, using fraudulent means or using threats to harm the credibility of the Company or interfere with the Company´s operations
    • 5.Other actions similar to those listed above.
    (14) In addition to the items listed above, when there is reasonable grounds for the Company to stop the Services.
  • The Company shall be in no way liable for any damages occurring to the member as a result of the stoppage of the Services or cancellation of membership in accordance with the preceding paragraphs.
  • If you wish to cancel membership because of the services stopping in accordance with Paragraph 3 of this Article, please apply using the method prescribed by the Company. In such cases, the Company may require submission of identification or other documents specified elsewhere to for the purpose of confirming identity.

Article 14 (Notification of Guardian of Adult)

  • If the customer begins to be subject to assistance, curatorship or guardianship in accordance with a ruling by the Family Court, immediately notify the Company in writing of the name and other necessary information concerning the guardian of adult, etc.
  • If the customer is appointed a supervisor of commissioned guardian in accordance with a ruling by the Family Court, immediately notify the Company in writing of the name and other necessary information concerning the supervisor of commissioned guardian.
  • If the customer has already received a ruling for the initiation of assistance, curatorship or guardianship, or if a supervisor of commissioned guardian has already been appointed, please submit the information in the same way as Paragraph 1 and Paragraph 2 of this Article.
  • Also notify the company if any of the information provided according to Paragraphs 1 to 3 of this Article is rescinded or changed.
  • The Company shall be in no way liable for any damages occurring before notification in Paragraphs 1 to 4 of this Article is made.

Article 15 (Indemnity Concerning System Failures, Natural Disasters, etc.)

  • The Company shall be in no way liable for any damages occurring to the customer or a third party as a result of the following reasons.
    (1) When the provision of Services is delayed or not possible due to force majeure such as natural disaster, fire or rioting; failures of the customer´s or the telecommunication carrier´s communication equipment, lines, computers or phone lines being out, or other reasons not attributable to the Company.
    (2) When the provision of Services is delayed or not possible due to failure of terminals, communication lines or computers, etc. despite reasonable security measures being performed in the Company´s system operations.
    (3) When the provision of Services is delayed or not possible due to other reasons attributable to the customer or a third party such as the name of the recipient being incorrect.
  • The Company shall be in no way liable for any damages occurring as a result of the customer´s password information or transaction information being leaked due to a public phone line, a private phone, the Internet or other communication line being tapped despite reasonable security measures being adopted by the Company.

Article 16 (Liability)
Except in cases otherwise stipulated by Japanese law, neither the Company nor MoneyGram (defined in Article 22 Paragraph 1) shall be in any way liable for damages exceeding the money transfer amount and money transfer fees paid by the customer or the amount of the money transfer received even in cases where the Services have been delayed, funds do not arrive, payment is not made, or excess or insufficient payment is made. Furthermore, neither the Company nor MoneyGram shall be in any way liable for damages in cases where the Services have been delayed, funds do not arrive, payment is not made, or excess or insufficient payment is made due to reasons not under the control of the Company, such as local laws. Neither the Company nor MoneyGram shall be in any way liable for any incidental, indirect or derivative damages.

Article 17 (Mutatis Mutandis Application of the Terms and Conditions)
Matters related to transactions with the Company that are not stipulated in these Terms and Conditions shall be handled in accordance with the regulations on various transactions stipulated elsewhere by the Company. The Company´s other provisions such as the Company´s regulations shall be published on the Company´s Web site.

Article 18 (Changes to the Terms and Conditions)
The Company may change the content of the Terms and Conditions. In such cases, the Company shall announce the date of the change and the content of the change on the Company´s Web site, etc., and handle matters in accordance with the changed content after the date of the change.

Article 19 (Governing Law and Jurisdiction)

  • Transactions with the Company shall be governed by Japanese law.
  • In the event legal action is taken concerning transactions with the Company, the district court or summary court where the Company´s head office is located shall have exclusive jurisdiction in the first instance.
  • The Terms and Conditions are written in Japanese. In the event of any differences in the interpretation of translated versions and the Japanese version of the Terms and Conditions, the Japanese version shall take precedence.

Article 20 (Handling of Personal Information)

  • The customer consents that the Company shall handle personal information on the customer in accordance with the Company´s “Privacy Policy” and the “Handling of Personal Information”.
  • The Company´s “Privacy Policy” and the “Handling of Personal Information” shall be published on the Company´s Web site.

Chapter 2 (International Money Transfer Service)

Article 21 (Application for International Money Transfer)

  • Use of the International Money Transfer Service shall be carried out in accordance to the method and operation procedure prescribed by the Company when the customer accesses the Company´s Web site. When applying for a money transfer, the purpose of the money transfer must be entered and person must be identified using the password information.
  • When the Company receives an application for a money transfer from the customer and it is recognized as being an application by the actual customer in accordance with Article 9, the Company shall return the details of the application received to the customer´s terminal.
  • The customer shall check the content returned in accordance with the preceding paragraph, and send a response stating that the information has been confirmed using the procedures prescribed by the Company if the content is correct. When changing or cancelling the content of the application, please change or cancel the content of said application in accordance with the procedures prescribed by the Company.
  • Promptly make the response to the Company in the preceding paragraph. If it does not arrive at the Company in the time prescribed by the Company, the money transfer shall be deemed to have been cancelled.
  • Once the response in Paragraph 3 of this Article arrives at the Company within the time prescribed by the Company and the Company´s computer processing is complete, the customer´s application for a money transfer using the International Money Transfer Service shall be complete.
  • After the completion of the money transfer application in the preceding paragraph, the Company shall check the content of the application in accordance with the standards prescribed by the Company. If the Company deems that there are no problems as a result of checking the content of the application, the Company shall agree to the application by the customer. An agreement concerning the consignment of international money transfer (hereinafter referred to as “money transfer agreement”) shall be deemed to have been concluded between the Company and the customer at the time of said agreement. The Company shall notify the customer of the results of the check using the method prescribed by the Company.
  • If the Company deems that there are problems with the application for a money transfer using the International Money Transfer Service as a result of the check in the preceding paragraph, the company shall not agree to said application and the application shall be deemed to have been cancelled. The Company shall notify the customer of the results of the check using the method prescribed by the Company.
  • If acknowledged by the Company, when applying for a money transfer using the International Money Transfer Service, the customer may perform a money transfer by depositing funds other than the money transfer reserve contained in the Account at the time of the application into the Account. In such cases, the customer shall deposit an amount including the money transfer amount and the fees stipulated in Article 28 into the Account using the method selected at the time of the application before the end of the period stipulated by the Company after the completion of the application (hereinafter referred to as “deposit deadline”).
  • In the case of the preceding paragraph, the money transfer agreement shall be deemed to have been concluded when the Company checks the deposit in the preceding paragraph and the application for a money transfer using the International Money Transfer Service passes the inspection prescribed by the Company. If it does not pass the inspection, the application shall be deemed to have been cancelled. Regardless of the result of the inspection, the Company shall notify the customer of the result of the inspection using the method prescribed by the Company. If the inspection is not passed, the funds deposited by the customer in accordance with the preceding paragraph shall be treated as a deposit of a money transfer reserve into the Account.
  • If the Company is unable to confirm the deposit by the customer into the money transfer account before the deposit deadline stipulated in Paragraph 8 (or the following business day if the deposit deadline is a holiday), the application for a money transfer using the International Money Transfer Service shall be deemed to have been cancelled by the customer.
  • Providing an environment for ensuring the terminal (equipment and communication media such as personal computers, modems, mobile phones, etc.) used by the customer for transactions operated properly is the responsibility of the customer, and the Company shall not guarantee that the terminal used by the customer for transactions will operated correctly. In the event damages are incurred as a result of the terminal not functioning properly, the Company shall in no way be liable for said damages.
  • In addition to damages occurring due to the money transfer application being deemed to have been cancelled in accordance with the provisions of this article, the Company shall in no way be liable for damages resulting from incorrect entry of information by the Customer or problems with the content of the application.

Article 22 (Implementation of Money Transfers)

  • Upon the conclusion of the money transfer agreement, the Company shall promptly implement money transfer procedures through the Company or the Company´s partner, MoneyGram Payment Systems, Inc. (hereinafter referred to as “MoneyGram”) and its agents.
  • In the event instructions for the money transfer the customer has applied for are conveyed to MoneyGram, the Company shall deliver notice of the completion of money transfer instructions to the customer.
  • The customer consents to the fact that the Company may disclose information on the customer to MoneyGram when implementing money transfer procedures (i) for the purpose of providing the Services, (ii) for the purpose of conducting joint marketing within the scope permitted by law, or (iii) due to policies to prevent money laundering and funding of terrorism, in addition to other administrative reasons. The customer also consents to the fact that, for the purposes stated above, MoneyGram may share said information with MoneyGram agents, its parent company or its affiliates (including those not incorporated in Japan). The Company and MoneyGram shall not share information on the customer to any third party except when required by law.
  • Neither the Company nor MoneyGram shall be in any way liable for any losses or damages resulting from the handling in the preceding paragraph except in cases where there is grave negligence on the part of the Company or MoneyGram.
  • Limits on each money transfer and the amount that can be sent each day or each month by the customer, and limits on the number of transactions per month shall be stipulated elsewhere by the Company. See the URL link below for details.
    (URL:https://www.remit.co.jp/MainSendingRemittanceServiceFlow.jsf?menuid=2#03)
  • In principle, the Company shall complete the international money transfer to MoneyGram and its agents within 10 minutes of the conclusion of the money transfer agreement in accordance with Paragraph 6 and Paragraph 9 of Article 21. However, this shall not apply if the customer uses optional services stated in the URL below that are provided separately by the Company, or if there are items that should be directly checked by the Company in the check performed in accordance with Article 21.
    Optional Service(URL:https://www.remit.co.jp/Popup_OptionalServices.jsf)
  • In principle, the money transfer recipient may receive the funds from the money transfer at MoneyGram or a MoneyGram agent once the international money transfer stipulated in the preceding paragraph has been completed. However, in the cases listed below, up to several business days may be required from the time the customer applies for a money transfer until the money transfer recipient is complete, and customers are asked for their understanding concerning this matter.
    (1) When outside the business hours of MoneyGram or MoneyGram´s agents
    (2) When a certain period of time is required for system processing in the financil institution in the country in which the money transfer is being received by the money transfer recipient
    (3) In addition to the preceding items, when certain procedures are required for receipt due to circumstances particular to the country to which the money transfer is being made.
    Please contact MoneyGram or its agents concerning the business hours of MoneyGram or its agents.
  • The status of the money transfer application made by the customer may be checked on the screen prescribed by the Company after logging in to the Company´s Web site.

Article 23 (Reference Number)

  • The Company shall notify the customer of the reference number issued by MoneyGram using the method stipulated on the notice of the completion of money transfer instructions stipulated in Article 22.2.
  • The reference number issued by the Company is required in the following cases.
    (1) For the money transfer recipient to receive the funds sent by the customer (when required for receipt by local laws).
    (2) For the customer to terminate a money transfer agreement in accordance with Article 25.
    (3) For the customer to cancel a money transfer application or terminate a money transfer agreement in accordance with Article 29.
    (4) For the customer to check the status of money transfer in accordance with Article 22.
  • The customer shall manage the reference number in the same way as management of password information, and shall ensure the money transfer recipient also manages it in the same way. If there is a possibility that the reference number has become known to a third party, immediately notify the Company using the method prescribed by the Company. The Company shall be in no way liable for any damages occurring to the customer or the money transfer recipient before notification is made as a result of the reference number becoming known to a third party from the customer or the money transfer recipient.
  • The customer shall be responsible for notifying the money transfer recipient of the reference number, and the Company shall bear no obligation whatsoever concerning notification of the reference number to the money transfer recipient; and the Company shall be in no way liable for any damages to the customer or the money transfer recipient resulting from the money transfer recipient not receiving notification of the reference number.

Article 24 (Receipt of Money Transfers)
The receipt of funds through money transfers implemented by the customer in accordance with the Terms and Conditions shall be conducted in accordance with the regulations stipulated by MoneyGram and its agents in the country to which the money transfer is being made.

Article 25 (Termination of the Money Transfer Agreement)

  • If any of the following is deemed by the Company to apply to the customer before the money transfer recipient receives funds subject to a money transfer agreement concluded according to Article 21, the Company may terminate the money transfer agreement. In such cases, the funds for which the customer has made a money transfer application and the money transfer fee stipulated in Article 28.2.1 shall be deposited into the customer' s account. However, if the Company terminates the money transfer agreement due to Item 1 or Item 4 applying to the customer, the company shall not return the funds for which the customer makes a money transfer application, the amount equivalent to money transfer fees and the amount equivalent to deposit fees, and the customer shall consent to this in advance.
    (1) If the money transfer is in violation of Japanese foreign exchange related laws and regulations or if foreign exchange transactions are suspended by the Japanese government.
    (2) If a war, civil unrest, a natural disaster, a labor dispute, a riot, a terrorist attack or a strike occurs or may occur.
    (3) If MoneyGram is subject to or may be subject to freezing of assets, cessation of payment, grounds for the initiation of bankruptcy procedures, grounds for the initiation of civil rehabilitation procedures, grounds for the initiation of corporate reorganization procedures, grounds for the initiation of special liquidation or grounds for the initiation of other bankruptcy proceedings.
    (4) If there are reasonable grounds to deem that the money transfer is related to a crime.
  • Notwithstanding the provisions in the preceding paragraph, funds for which a money transfer agreement has been concluded shall be stored by MoneyGram and the money transfer recipient shall be unable to receive said funds in the following cases. The customer must perform the cancellation procedures stipulated in Article 29 to receive a refund of said funds.
    • If the money transfer recipient does not receive the funds after 90 days (inclusive) have elapsed since the notice of the completion of money transfer instructions stipulated in Article 22.2.
  • The Company shall in no way be liable for any losses or damages incurred by the customer as a result of the termination or expiry of the money transfer agreement as stipulated in Paragraph 2.

Article 26 (Pre-registered Money Transfer Application Services)

  • Pre-registered Money Transfer Application Services are services enabling the customer to apply for money transfers without specifying a money transfer recipient at the time the money transfer request is made by registering information on certain money transfer recipients as automatic money transfer recipients. The four following Pre-registered Money Transfer Application Services are available.
    (1) Japan Post Bank Card Money Transfer Service
    (2) Furikomi Money Transfer Service
    (3) Internet Money Transfer Service
    (4) Convenience Store Money Transfer Service
  • When the customer uses a Pre-registered Money Transfer Application Service to make a deposit into the Account using a method prescribed by the Company, the funds for the deposit shall be treated as being for a money transfer application for a pre-registered money transfer destination (limited to those registered in accordance with the provisions of the preceding paragraph), and the customer shall be deemed to have completed a money transfer application stipulated in Paragraphs 1 to 5 of Article 21 when the deposit is made.
  • Article 21, Article 22 (excluding Paragraphs 1 to 5 and Paragraph 10), Article 23, Article 24 and Article 25 shall apply to money transfer applications received through the Pre-registered Money Transfer Application Service.

Article 27 (Foreign Exchange)

  • Money transfer applications to the Company as stipulated in Article 21 shall be made using Japanese yen. Currencies (hereinafter referred to as “currency received”) other than Japanese yen that have been prescribed by the Company may be specified on the application screen as the amount received. However, notwithstanding the specification above, in MoneyGram agents prescribed by the company, funds received in the currency received are paid in a currency prescribed by the agent other than the currency received.
  • When funds sent in the currency received are paid in accordance with the main text of the preceding article, the conversion rate used for the conversion shall be the conversion rate set by MoneyGram at the time the money transfer agreement was concluded. As stipulated in Article 21 Paragraph 6, the time the money transfer agreement was concluded refers to when an application by the customer has been deemed as containing no problems as a result of the check of the content of the application performed by the Company, and the application has been acknowledged, and it should be noted that this does not necessarily refer to when the money transfer application was completed by the customer (the time stipulated in Paragraph 5 of the same article). However, the conversion rate used when paying funds for transfers in the period between when 45 days (inclusive) have elapsed since the notice of the completion of money transfer instructions stipulated in Article 22.2 until when 90 days (inclusive) have elapsed shall be the conversion rate at the time of payment.
  • The conversion rate set by MoneyGram in the preceding paragraph is shown to the customer on the money transfer application confirmation screen for the International Money Transfer Service. This conversion rate is a reference rate and this does not impart any warranty that said rate will apply to the money transfer.
  • In the case provided in the proviso of Paragraph 1, the funds in the customer’s money transfer are first converted by MoneyGram into the currency received, and then converted by the MoneyGram agent into the other currency prescribed by the agent (hereinafter referred to as “secondary conversion”). The conversion rate used in secondary conversion shall be the exchange rate set at the discretion of the agent. However, the conversion rate used when paying funds for transfers in the period between when 45 days (inclusive) have elapsed since the notice of the completion of money transfer instructions stipulated in Article 22.2 until when 90 days (inclusive) have elapsed shall be the conversion rate at the time of payment.
  • The conversion rate used in the secondary conversion stipulated in the preceding paragraph is shown in the link destination displayed on the confirmation screen stipulated in Paragraph 3. This conversion rate is a reference rate and this does not impart any warranty that said rate will apply to the money transfer.

Article 28 (Fees, etc.)

  • The customer shall pay fees prescribed by the Company when using the International Money Transfer Service.
  • The customer shall pay the following fees to the Company. The fees can be checked at the URL link below.
    (URL:https://www.remit.co.jp/MainAboutCommission.jsf?menuid=4&submenuid=1)
    (1) Money transfer fee
    (2) Deposit fee
  • The money transfer fee in Item 1 of the preceding paragraph shall be paid when applying for the money transfer after confirmation of the money transfer application on the International Money Transfer Service confirmation screen.
  • The Company may change the money transfer fee and the deposit fee without providing prior notice to the customer. In such cases, the date of the change and the content of the change shall be announced by being published on the Company´s Web site.

Article 29 (Cancelling International Money Transfers)

  • The customer may cancel the money transfer application and terminate the money transfer agreement at any time until the recipient receives the money transfer.
  • In the event the customer cancels the money transfer application or terminates the money transfer agreement in accordance with the preceding paragraph, the Company shall return the funds for the money transfer and the fees stipulated in Paragraph 2 Item 1 of the preceding article to the customer' s Account in Japanese yen. No cancellation fees are incurred in such cases, but the amount equivalent to the deposit fee stipulated in Item 2 of Paragraph 2 of the preceding article shall not be returned.
  • When using various optional services for the International Money Transfer Service provided by the Company, the customer shall agree in advance that there are some cases in which it is not possible to terminate the money transfer agreement stipulated in Paragraph 1 of this Article.

Chapter 3 (International Money Transfer Receipt Service)

Article 30 (Application for the Receipt of International Money Transfers)

  • The customer may receive funds transferred through MoneyGram from outside Japan by using the International Money Transfer Receipt Service in Japan (hereinafter referred to as “receipt of money transfers”).
  • Receipt of money transfers shall be carried out in accordance to the method and operation procedure prescribed by the Company when the customer accesses the Company´s Web site. When applying to receive a money transfer, the purpose of the money transfer must be entered and person must be identified using the password information.
  • When the Company receives an application to receive a money transfer from the customer and it is recognized as being a request by the actual customer in accordance with Article 9, the Company shall return the details of the request to receive a money transfer to the customer´s terminal.
  • The customer shall check the content returned in accordance with the preceding paragraph, and send a response stating that the information has been confirmed using the procedures prescribed by the Company if the content is correct. When changing or cancelling the content of the application to receive a money transfer, please change or cancel the content of said application in accordance with the prescribed procedures.
  • Promptly make the response to the Company in the preceding paragraph. If it does not arrive at the Company in the time prescribed by the Company, the request to receive the money transfer shall be deemed to have been cancelled.
  • Once the response in Paragraph 4 arrives at the Company within the time prescribed by the Company and the Company´s computer processing is complete, the customer´s application to receive a money transfer using the International Money Transfer Receipt Service shall be complete.
  • After the completion of the application for the receipt of a money transfer in the preceding paragraph, the Company shall check the content of the application in accordance with the standards prescribed by the Company. If the Company deems that there are no problems as a result of checking the content of the application, the Company shall agree to the application by the customer. An agreement concerning the receipt of the money transfer (hereinafter referred to as “receipt agreement”) shall be deemed to have been concluded between the Company and the customer at the time of said agreement. The Company shall notify the customer of the results of the check using the method prescribed by the Company.
  • Once the receipt agreement stipulated in the preceding paragraph has been concluded, the customer may not cancel the receipt agreement.
  • If the Company deems that there are problems with the application for the receipt of a money transfer as a result of the check in the preceding paragraph, the company shall not agree to said application and the application shall be deemed to have been cancelled. The Company shall notify the customer of the results of the check using the method prescribed by the Company.
  • Providing an environment for ensuring the terminal (equipment and communication media such as personal computers, modems, mobile phones, etc.) used by the customer for transactions operated properly is the responsibility of the customer, and the Company shall not guarantee that the terminal used by the customer for transactions will operated correctly. In the event damages are incurred as a result of the terminal not functioning properly, the Company shall in no way be liable for said damages.
  • In addition to damages occurring due to the application for receipt of a money transfer being deemed to have been cancelled in accordance with the provisions of this article, the Company shall in no way be liable for damages resulting from incorrect entry of information by the Customer or problems with the content of the application.

Article 31 (Receipt of Money Transfers)

  • The Company shall transfer the amount obtained after deducting the fee stipulated in the following paragraph from the transfer receipt amount stipulated in the concluded receipt agreement on the business day after the conclusion of the agreement if the receipt agreement is concluded before 3pm, or two business days after the conclusion of the agreement if the receipt agreement is concluded at or after 3pm.
  • The fee for receiving a money transfer shall be stipulated elsewhere by the Company. The fees can be checked at the URL link below.
    (URL: https://www.remit.co.jp/MainAboutCommission.jsf?menuid=4#04)
  • Limits on each money transfer receipt and the amount that can be received each day or each month by the customer, and limits on the number of transactions per month shall be stipulated elsewhere by the Company. See the URL link below for details.
    (URL: https://www.remit.co.jp/MainSendingRemittanceServiceFlow.jsf?menuid=2#03)
  • The status of the money transfer receipt made by the customer may be checked on the screen prescribed by the Company after logging in to the Company´s Web site.
  • The customer consents to the fact that the Company may disclose information on the customer to MoneyGram when implementing the receipt of a money transfer (i) for the purpose of providing the Service to the customer, (ii) for the purpose of conducting joint marketing within the scope permitted by law, or (iii) due to policies to prevent money laundering and funding of terrorism, in addition to other administrative reasons. The customer also consents to the fact that, for the purposes stated above, MoneyGram may share said information with MoneyGram agents, its parent company or its affiliates (including those not incorporated in Japan). The Company and MoneyGram shall not share information on the customer to any third party except when required by law.
  • Neither the Company nor MoneyGram shall be in any way liable for any losses or damages resulting from the handling in the preceding paragraph except in cases where there is grave negligence on the part of the Company or MoneyGram.

Article 32 (Foreign Exchange)

  • Receipt of money transfers shall be paid in Japanese yen.
  • The exchange rate for conversion of the amount of the money transfer from local currency into Japanese yen shall be the exchange rate set by MoneyGram at the time the money transfer application is made by the party requesting the money transfer, and conversion shall take place using this rate.

Article 33 (Termination)
The Company may terminate a transaction even after the payment concerning the receipt of the money transfer is made if there is an error or deviation in the communication authorizing said payment. In such cases the customer shall immediately return the funds to the Company when billed.

Chapter 4 (Matters Based on the Act Concerning Settlement of Funds)

Article 34 (Matters Concerning Prevention of Misidentification in Foreign Exchange Transactions Performed by Banks, etc.)
The member shall use the Services based upon full understanding of and consent to the following items.
(1) The Services are not foreign exchange transactions conducted by banks, etc.
(2) The services do not entail the acceptance of deposits, savings and installment savings, etc. (meaning the Installment Savings, etc. prescribed in Article 2.4 of the Banking Act) by the Company.
(3) The Services are not subject to the payment of insurance pursuant to Article 53 of the Deposit Insurance Act (Act No. 34 of 1971 and including subsequent revisions) and Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Act (Act No. 53 of 1973 and including subsequent revisions).
(4) The Company shall provide a performance security deposit to the Tokyo Legal Affairs Bureau to provide collateral for the claim for refund (defined in Article 35 Paragraph 1) by the person requesting the transfer using the International Money Transfer Service and the person requesting receipt of a money transfer using the International Money Transfer Receipt Service.

Article 35 (Performance Security Deposit)

  • In accordance with the provisions of Article 43 of the Act Concerning Settlement of Funds (Act No. 58 dated June 24, 2009 and including subsequent revisions), the Company shall provide a performance security deposit of a value equivalent to or greater than the amount calculated by multiplying the sum of the money transfer reserve deposited in the account, funds other than the money transfer reserve that have been deposited in the account in accordance with Article 21 Paragraph 8 and the transfer receipt amount by the multiplier in Article 11.5 of the Ordinance of Enforcement of said Act as the expenses for refund procedures to the Tokyo Legal Affairs Bureau in order to provide collateral for the obligation to refund the money transfer reserve to the person requesting the transfer and the obligation to pay the transfer receipt amount to the person requesting the money transfer. If the Company is pay these obligations, the party requesting the money transfer shall have priority over the Company´s other creditors to receive repayment using the performance security deposit (hereinafter referred to as “right of claim for refund”).
  • The party requesting the money transfer shall retain the right of claim for refund in the International Money Transfer Service until the money transfer recipient actually receives the money transfer. After said money transfer recipient actually receives the money transfer, the party requesting the money transfer may not exercise the right of claim for refund. Furthermore, the right of claim for refund in the International Money Transfer Receipt Service shall belong to the person requesting receipt of a money transfer.
  • In the occurrence of an event stipulated in Article 59.2 of the Act Concerning Settlement of Funds, the party requesting the money transfer and the person requesting receipt of a money transfer may receive a refund of the performance security deposit using the refund procedures prescribed in the same article.
  • If the event in the preceding article occurs, the money transfer recipient in the International Money Transfer Service may not receive the money transfer. If the event in the preceding paragraph occurs and refund procedures are implemented after the money transfer recipient in the International Money Transfer Service receives the money transfer, the party requesting said money transfer shall return the amount equivalent to the performance security deposit to the Company.

Article 36 (Contact for Inquiries, Complaint Processing Procedures and Dispute Resolution Procedures)

  • Inquiries concerning the Services are accepted through the contact shown below.
    SBI Remit Co., Ltd.
    Address: 18F Izumi Garden Tower, 1-6-1 Roppongi, Minato-ku, Tokyo 106-6018
    Tel: 03-5652-6759
    Office Hours (Weekdays) 9:00 - 18:00 (Sat,Sun,Holidays)12:00 - 18:00
    (Closed during the year-end and New Year holidays and Company Designated holidays)
    E-mail: support@remit.co.jp
  • The company has implemented the following complaint processing procedures and dispute resolution procedures. The following external organizations may be used for complaints and disputes concerning the money transfer business operated by the Company.
    (1) Complaint Processing Procedures
    Japan Payment Service Association “Customer Hotline” Tel: 03-3219-0628
    The process used by the Association to handle inquiries and complaints can be found the URL below.
    (URL: http://www.s-kessai.jp/info/funds_consumer_inquiry_i.html)
    (2) Alternative Dispute Resolution Procedures
    Tokyo Bar Association Dispute Resolution Center    Tel: 03-3581-0031
    Daiichi Tokyo Bar Association Arbitration Center    Tel: 03-3595-8588
    Daini Tokyo Bar Association Arbitration Center    Tel: 03-3581-2249
December 13, 2010 Established
April 17, 2012 Revised

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Exchange Rates
2014/04/17 12:00:00
1 USD = 103.32 Yen
1 Yen = 0.430493 PHP
10,000 Yen = 593.96 RMB
* Above rate is the rate provided for your reference, the exact rate will be determined at the time of receipt.
The maximum limit per transaction
1,000,000 Yen
Countries with Remittance Restrictions

 FRANCE
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 MOLDOVA
 UKRAINE
 RUSSIAN

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MSG010Notification of System Maintenance

MSG011 Every Monday 4:00 - 5:00
We are sorry but the system will be suspended between the period indicated above due to maintenance.
We apologize for any inconvenience it may cause.

Notification of destination countries

Philippines(11/13)
Certain agents have resumed operation.

Egypt(7/5)
Due to political unrest in the country of Egypt, receivers may experience a delay in the receipt of funds.

Argentina(6/1)
Due to new regulations regarding Argentina's new currency policy, The receive amount might be limited to local currency.

Mali(5/24)
Due to political unrest in Mali, some locations may be temporary or permanently closed.

Tunisia(2/4)
Due to political unrest in Tunisia, some locations may be temporary or permanently closed.

May we suggest you to consult with your recipients prior to your remittance to above countries.

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