For making transaction or registration with D.COMMUNICATIONS, INC. (hereinafter referred to as "DCOM"), Customer must accept the Terms and Conditions (hereinafter referred to as " Agreement") of the International Money Transfer Service (hereinafter referred to as the “Services") set forth herein, so Customers (both of individual and corporate Customer, hereinafter referred to as "Customer") use of this Services, indicates their acceptance of this Agreement.
Article 1: Definition.
1.
Application Request: means an electronic or paper form issued by DCOM which shall be used for conducting the registration of a Customer in order to become a Registered Member.
2.
Customer: means a customer in Japan who, for the purpose of using DCOM’s Remittance Service, agrees to DCOM’s Overseas Remittance Transaction Terms and Conditions as either the sender or recipient of a remittance, has registered as a member with DCOM, and whose registration has been approved by DCOM.
3.
Customer’s Virtual Account: means a customer’s account used by customers who make outbound remittances on the DCOM website as part of the DCOM’s remittance services, and which is to be managed by DCOM as stipulated in Article 52 of the Payment Services Act (Act No.59 of 2009)(hereinafter referred to as the “Payment Services Act”), Article 33 of the Cabinet Office Ordinance on Fund Transfer Services, or other relevant laws.
4.
DCOM’s Agent: means any entity offering DCOM Services.
5.
DCOM’s Website: means https://www.sendmoney.co.jp or https://sendmoney.co.jp
6.
Member’s Account Page: means the DCOM‘s web page which customers can access using their username and password in order to use DCOM’S outbound remittance transaction service and other services, etc.
7.
Membership Number: means the unique number issued by DCOM and necessary for conducting outbound remittance transactions.
8.
Official Document: means any document issued by a government or a government agency to identify Customer.
9.
Withdrawal Request: means a request prepared by Recipient for the purpose of receiving funds.
10.
Recipient: means the customer who receives the remittance amount for an outbound remittance.
11.
Sender: means Customer who conducts the Send Transaction.
12.
Registered Member: means Customer that has been registered and approved by DCOM.
13.
Remittance Amount: means the amount that will be received by the Receiver in the destination country.
14.
Remittance Funds: means the funds received from the Sender for transfer including the service fees.
15.
Remittance Order: means an instruction given by DCOM to a Relevant Bank, etc. in order to process the Remittance Request.
16.
Remittance Request: means a request made by the Sender to DCOM for overseas remittance.
17.
Remittance Statement: means the statement issued by DCOM detailing the total Remittance Funds received from Sender and the Remittance Amount to be paid to Receiver.
18.
Cash Pickup: refers to a service where the recipient collects the funds in cash at a designated bank or agent location, following identity verification.
19.
Home Delivery: refers to a service where the remitted cash is delivered directly to the recipient's registered address.
20.
RefNo: means the Reference Number or PIN issued by DCOM for each remittance transaction.
21.
DCOM App: refers to an application operated by DCOM and used to provide the Service to those who download the app.
22.
Money Laundering, etc.: refers to money laundering, terrorist financing, proliferation financing risk, sanctions violation risk, and the fraudulent use of financial transactions.
23.
Anti-money laundering measures, etc.: refers to measures against money laundering, terrorist financing, proliferation financing risks, sanctions violation risks, and fraudulent use of financial transactions.
24.
Services: means the International Money Transfer Service provided by DCOM.
Article 2: General Provisions
1. Membership Registration: Customer can apply for membership by filling out the required information and submitting a signed membership registration form via DCOM’s Website, the DCOM app, or in person at DCOM’s physical Location.
2. Identity verification: In order to confirm your identity, you will be required to submit identification documents. For customers who register through our website, DCOM will send a letter by registered mail to the address listed on your identification documents to confirm your current address. In addition, if you submit your identification documents through the app, DCOM will verify your identity by reading the IC chip on your photo identification document (residence card, My Number card, or driver's license).
3. Contact Information:
(1) The contact information provided by the Sender in the registration application form shall be deemed to be the Sender's correct address and telephone number.
(2) DCOM shall not be liable for any loss or damage incurred as a result of the Sender and/or recipient being unable to be contacted due to any omission or inaccuracy in the information provided by the Sender in the registration application form.
4. Membership Number: Each Registered Members shall be provided a Membership Number (RMT), which shall be used to communicate with DCOM in every transaction. Customer shall be responsible for strictly managing the Membership Number, which should not be used by a person other than the Registered Member to whom it was issued. If case of misuse of the Membership Number, DCOM shall have the right to discontinue/suspend all transactions with that Registered Member.
5. Reference Number: Customer shall be responsible for strictly managing the Reference Number to ensure they do not become known to any third party. In cases where the Customer notifies the Receiver of the Reference Number, Customer shall ensure that the Receiver also strictly manages such Reference Number. DCOM shall be in no way liable for any loss and damage suffered by the Customer as a result of Reference Number becoming known to a third party.
6. Loading Funds into Customer’s Virtual Account and Limit:
(1) Methods for depositing funds into Customer’s Virtual Account: DCOM accepts remittance from each Customer via cash deposit at DCOM's branches, bank transfers, bank counter payments, and ATM deposits.
In addition, remittance funds cannot be deposited or transferred from the account of a third party other than the customer's own account to charge a DCOM account.
(2) Customers cannot deposit more than the maximum balance of three million yen (JPY3,000,000) into Customer’s Virtual account. Furthermore, for any balance exceeding three million yen (JPY3,000,000), DCOM will contact the customer and provide a refund.
7. Refunds and Withdraws from Customer’s Virtual Account:
(1) Customers can withdraw part or all of their balance using the DCOM App. This can be done by cash withdrawal at a DCOM counter, by bank transfer, or with a DCOM ATM card. To make a bank transfer refund, Customers must submit their membership number, bank account information, and identification documents to us. To make an ATM card withdrawal, Customers can use an ATM at an affiliated financial institution.
(2) All refunds and withdrawal requests shall be treated as domestic payment. Therefore, Customer may be charged a fee, which shall be paid to the settlement bank for implementation of the bank transfer, if applicable. All withdrawal requests will normally be processed within 24 hours of receipt of a valid request during banking days.
(3) Refunds can be performed provided the Receiver has not received the Remittance Amount.
8. Expiration and Renewal of Membership Registration: The duration of a Membership Registration shall be one (1) year from the date of application; therefore, the Registration shall be automatically renewed unless either the Customer or DCOM informs the other party otherwise in writing at least one (1) month prior to the expiration date. The Membership Registration shall be renewed for another year from the date of renewal thereof, and the same shall apply thereafter. Termination of Membership Registration is free of charge.
9. DCOM shall immediately stop the Services in whole or in part, or cancel membership without providing prior notice to the Customer when it is revealed that the Customer is any of the following:
a. A crime syndicate; A member of a crime syndicate; A quasi-member of a crime syndicate; A company affiliated with a crime syndicate;
b. 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;
c. 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;
d. 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; etc.
DCOM shall be in no way liable for any damages occurring to the Customer as a result of the stoppage of the Services or cancellation of membership.
Article 3: Provisions of Send Transaction
1. Remittance Request: DCOM only accepts Remittance Requests during business hours designated by DCOM. Remittance Requests shall be submitted via the Member’s Account Page, the DCOM app, or by visiting DCOM's branch. Then, DCOM shall verify Customer identity as a necessary step. DCOM may also refuse to accept Remittance Requests for credits to rural banks wherein DCOM and its partner banks will have difficulty delivering the Remittance Amount. In such cases, DCOM may suggest to the Customer alternative ways of receiving the funds, like claiming over the counter of partner banks, paying at home, etc. where such services are available.
2. When receiving a Remittance Request, DCOM is required to check certain matters under Laws and regulations governing foreign exchange and taxation, therefore Customer should satisfy the following requirements:
(1) State the purpose of the remittance and any other required information in the Remittance Request.
(2) Present the Official Documents for personal identification when requested by DCOM.
(3) For any transactions requiring government permission, submit documents proving permission.
In addition to the above, DCOM may contact the Sender either by email or telephone for each transaction to check certain matters under laws and regulations governing foreign exchange and taxation.
3. When requesting the Services, the Sender shall pay to DCOM the Remittance Funds in Japanese Yen. DCOM shall not accept any forms of payment other than cash (such as checks), with the exception of valid Discount Coupons issued by DCOM.
4. Execution of remittance Transaction: Based on Sender’s remittance request, DCOM’s Agent will make the payment for the remittance transaction. Once the remittance processing has been completed, DCOM shall inform the Sender by email, short message (SMS) on Sender’s mobile phone, or via the DCOM’s App.
5. Suspension of service use/cancellation of remittance request: DCOM has the option to temporarily suspend or cancel the Sender's remittance request without prior notice to Sender if any of the following applies.
(1) The purpose of the Customer's remittance is against the Japanese Foreign Exchange laws and regulations; or foreign exchange. transactions are suspended by the Japanese Government.
(2) Cases where the execution of the remittance becomes difficult due to the occurrence of War, insurrection, civil unrest or similar circumstances, or cases where a payment prohibition or asset freeze has occurred, or is likely to occur, against DCOM’s Agent’.
(3) The remittance is suspected to be involved in money laundering, etc.
(4) When there is suspicion of illegal conduct, including criminal acts such as gambling at online casinos, or conduct that is contrary to public order and morals.
(5) In case of suspicious fraudulent transfers.
In the above cases, DCOM shall not be liable for any damages incurred by the Customer or for any losses incurred by the Customer due to Customer’s failure to carry out the remittance. If Customer cancels a remittance request, DCOM will follow the refund procedure set out in Article 2, 7(2).
6. In order to affect Remittance Requests, pertinent portions of the Customer's information such as Customer's name, address, telephone number and account number (if applicable), shall be disclosed to DCOM’s Reps including information concerning intermediary bank.
7. Issuance of Remittance Payment Instructions: Upon acceptance of a Remittance Request from Customer, DCOM shall, unless the request is cancelled pursuant to the following paragraph, transmit payment instructions to DCOM’s Agent without delay based on the details of said remittance request:
(1) Sender shall consent to DCOM that Sender's personal data and the remittance data provided on the remittance request may be disclosed to DCOM's Agent in a measure to prevent money laundering or terrorist financing and for other administrative reasons. Sender shall further consent that DCOM's Agent may share the information with its service reps and/or its parent companies or affiliates in order to provide the services.
(2) DCOM shall use such method as it deems appropriate for the transmission of payment instructions.
(3) DCOM shall not be liable for any loss or damage arising from the handling set forth in the preceding two items, except in case where such loss or damage is caused by reasons attributable to the gross negligence of DCOM.
8. In order to maintain compliance with anti-money laundering controls and laws, DCOM may, at its sole discretion, request additional information pertaining to the source of funds, prior to the funds being sent. Failure to comply with this request may result in the Customer's registration being either deactivated or cancelled and funds being refunded to the Customer. DCOM will not be liable for any loss or damage caused thereby.
9. Remittance requests will only be accepted in Japanese Yen.
10. Currency Exchange rate:
If the remittance amount is displayed in a foreign currency and the amount is converted to Japanese yen, the conversion rate used will be the exchange rate displayed at the following URL on the day of the requested remittance. However, the daily rate may fluctuate throughout the day depending on the trend of the Japanese yen against foreign currencies or the prevailing competitive environment (exchange rates displayed by competitors).
(URL:
https://sendmoney.co.jp/jp/fx-rate)
11. Remittance Limit:
(1) in principle, the remittance amount requested per transaction by Customer shall not exceed one million Japanese Yen (JPY 1,000,000). However, DCOM may set a lower remittance limit of less than 1,000,000 JPY.
(2) Monthly limit per Customer is two million Japanese Yen (JPY 2,000,000) and yearly limit per Customer is three million five hundred thousand Japanese Yen (JPY 3,500,000).
(3) Even if DCOM receives a request from Customer to remit an amount that exceeds the above limits, DCOM shall not be obligated to remit any amount that exceeds the above limits.
12. Standard Processing Times: The standard processing time for DCOM’s remittance services are as follows:
(1) Remittances to bank accounts supporting real-time transfers, or when cash pickup at a counter is specifies: within 10 minutes.
(2) Remittances to bank accounts other than those described in the preceding item, or when cash pickup at a counter is specified: within 24 hours.
(3) When delivery via home delivery service (to recipient’s registered address) is specified: Between 24 – 36 hours after the completion of the remittance request, depending on whether the recipient’s registered address is within a metropolitan area, other major cities, or remote areas outside of major cities.
In any of the above cases, if the partner financial institution for relevant entity is closed, the processing will be completed on the next business day of said partner bank or entity. Furthermore, delays beyond the periods stated above may occur in the event of system failure between banks.
13. Service Fees: DCOM service fees are available in DCOM’s Website. The service fees may be changed by DCOM from time to time. When DCOM receives the Remittance Request, the Sender is required to pay the service fees as prescribed above. The Sender shall not pay any amount other than the service fees at the time of initiation of a sent transaction to DCOM or DCOM’s Reps. However, DCOM will charge up to two thousand Yen (JPY2,000) as amendment or cancellation fee per Remittance Order.
14. Notification of remittance status: DCOM shall notify the Sender in the following cases:
(1) When DCOM confirms receipt of Remittance Funds from the Sender.
(2) When DCOM issues a Remittance payment instruction to DCOM’s Agent.
(3) When funds are delivered to the recipient or deposit into the recipient’s Bank Account.
Customer can check the status of Customer’s remittance on DCOM's website or in the DCOM App.
15. The remittance statement will include the remittance funds DCOM has received from Sender, and the remittance amount payable to the recipient. However, the recipient's bank or the service provider of the receiving account designated by Sender may charge a fee for the remittance. This fee is not a fee charged by DCOM and will not be shown on the remittance statement. Furthermore, once the remittance amount has been deposited in the receiving account, DCOM will have no further responsibility to Sender.
16. Identity Verification of the Recipient: the Recipient is generally required to present valid form of identification when receiving the funds. In cases where a test question for identity verification is required, the remittance amount shall be paid only if the Recipient provides the correct answer to such question. The Reference Number (RefNo) is strictly required for the Recipient to receive the cash. The Sender should exercise due care in handling the Recipient’s information at the time of remittance and must ensure that transaction details are not disclosed to or utilized by any third party.
17. Amendment, Cancellation and Refund:
(1) If DCOM determines that it is possible, amendment or cancellation of a remittance can be facilitated upon the Customer's request. Changes or cancellations will not be permitted in the following cases:
i. The transaction is directed to an Account and the remittance amounts has been accepted by DCOM’s Reps.
ii. The Remittance Amount has been withdrawn by the recipient.
(2) Requests for changes or cancellations to our company must be made by the customer to DCOM by telephone via call center.
(3) Customer shall submit, together with the request form, a copy of a Document verifying their identity to verify that they are the person making the remittance request for change or cancellation.
(4) DCOM shall not be liable for any loss or damage if it cannot amend or cancel a transaction due to non-acceptance of the paying bank or the payout agents in the Receiver’s country, restrictions of the law, emergency restriction by the government or by a Public Body (e.g., the Central Bank, etc.).
(5) In the event of a change, the exchange rate used at the time of the original remittance was processed will be used. In the event of a cancellation, the refund will be the Yen equivalent amount using DCOM's rate on the day the correct funds are received from the destination bank or correspondent, minus the aforementioned bank’s fee.
(6) All refund requests must be accompanied by a copy of the overseas Remittance Request form and Statement of Remittance, and will be reviewed and adjudicated by DCOM, normally within 30 days of receipt of a valid request. Refund will only be credited to Customer’s bank account; cash refunds will not be given.
18. Non-Delivery of the Remittance Amount: If Customer becomes aware that the Remittance Amount has not been received by the Recipient within the reasonable and acceptable period agreed or promised by DCOM, Customer must contact DCOM immediately. DCOM will conduct a follow-up investigation and notify Customer accordingly.
19. Expiration Date for Simultaneous Transaction and Remittance Processing: The receivable amount shown on the overseas Remittance Statement is valid for 30 days from the date of remittance origination in the destination country specified on the front of the overseas Remittance Request form. After 30 days, the remittance will normally be returned to Senders. DCOM’s exchange rate will apply on the day of the refund.
20. Remittance Destination Country: Sender is responsible for ensuring that the remittance destination on the front of this Remittance Request Form is correct. Remittances cannot be received in any country other than the one specified by Sender.
Article 4: Handling of DCOM Cards and Apps, etc.
1. Management of DCOM Cards
(1) Customers may not use the Service for any purpose that is illegal, fraudulent, for-profit, or contrary to public order and morals.
(2) When using the DCOM Card, customers may not allow family members or any other third parties, other than the registered user themselves, to use the card.
(3) Customers shall not assign, lend, transfer, provide as collateral, or otherwise dispose of DCOM Cards, DCOM Apps, etc., to any third party, regardless of whether or not consideration is involved.
(4) Customers shall not forge or alter DCOM Cards.
2. Setting and Management of PIN (Password)
(1) Customers shall set their own Personal Identification Number (PIN) or password when using the Service. When setting a PIN, customers are requested to avoid using numbers that are easily guessed, such as date of birth, telephone number, or address. In addition, customers must handle their PIN with the utmost care and manage it strictly at their own responsibility to ensure that it is not known to any third party.
3. Suspension of Card Use and Cancellation of Eligibility
If a customer falls under any of the following items, DCOM may immediately cancel the use of the relevant DCOM Service. In such cases, DCOM may suspend the use of the DCOM Service for the said user without prior notice or demand, and the customer shall consent to this without objection.
(1) In the event of a violation of these Terms and Conditions.
(2) In the event that the customer falls under Article 3, Paragraph 5 of these Terms and Conditions.
4. Loss and Reissuance of DCOM Card, etc.
DCOM will reissue a DCOM Card if it receives an application for reissuance from a user and deems it appropriate, due to reasons such as loss, theft, damage, unauthorized use, or defacement of the DCOM Card, or loss, leakage, unauthorized acquisition, or alteration of card information.
Furthermore, in the event of loss, theft, etc., please contact the Company immediately.
Article 5: Provisions related to the Payment Services Act
1. Outstanding Obligations and Performance Guarantee Deposit:
(1) "Outstanding Obligations" refers to the obligations the Company bears in relation to the exchange transactions it conducts (Article 43, paragraph 2 of the Payment Services Act). Specifically, the amount equivalent to the remittance amount from the time DCOM confirms receipt of the Remittance Funds from Sender (at the time of receipt of cash at DCOM's counter or when receipt of funds for the exchange transaction is confirmed in DCOM's bank account) until the time the remittance amount is paid to the recipient (at the time of receipt of funds at the counter of the Company's agent, or when deposited into the account designated by the recipient, or upon receipt by the recipient via home delivery) shall be the amount of the Outstanding Obligations.
(2) As a system for user protection, DCOM shall provide a Performance Guarantee Deposit based on Article 43 of the Payment Services Act for the exchange transactions it conducts with Sender. In the procedure of execution of rights concerning the Performance Guarantee Deposit based on Article 59 of the same Act, Sender shall be the person entitled to refund until the recipient actually receives the funds.
2. Prevention of Misidentification in Foreign Exchange Transactions Conducted by Banks, etc.: The Registered Members shall use the Service after fully understanding of and consenting to each of the following items:
(1) The exchange transactions conducted by DCOM with Sender are not exchange transactions conducted by banks, etc. and DCOM does not accept deposits, savings, or periodic deposits, etc. (referring to periodic deposits, etc. as prescribed in Article 2, Paragraph 4 of the Banking Act).
(2) Such exchange transactions are not subject to the payment of insurance proceeds prescribed in 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).
Article 6: Compliance with Economic Sanctions and Regulations
The Company confirms that the remittance requests received from customers do not fall under transactions subject to regulations such as the Foreign Exchange and Foreign Trade Act of Japan (hereinafter referred to as the "Foreign Exchange Act") and the regulations by the Office of Foreign Assets Control of the U.S. Department of the Treasury (hereinafter referred to as "OFAC Regulations"), in order to comply with the economic sanction measures of various countries including Japan and the United States. Customers are requested to ensure that their remittance requests do not fall under any transactions subject to regulations, such as the Foreign Exchange Act or OFAC Regulations, before proceeding with the transaction.
Major regulations include, but are not limited to, the following:
(1) Transactions with parties subject to economic sanctions, such as asset freezing, designated under the Foreign Exchange Act.
(2) North Korea-related: Payments to individuals, etc., having an address or residence in North Korea; restrictions on payments related to trade with North Korea; and transactions conducted for the purpose of contributing to activities that may support North Korea's nuclear-related programs, etc.
(3) Transactions conducted for the purpose of contributing to Iran's nuclear activities.
(4) Russia and Belarus-related: Restrictions on outward direct investment to Russia; and restrictions on service transactions to Russia and Belarus.
Furthermore, on August 27, 2025, the "Joint Statement on North Korean IT Workers" was published by Japan, the United States, and the Republic of Korea, and the "Advisory for Businesses, etc. regarding North Korean IT Workers" was updated by relevant ministries, including the Ministry of Finance. Please note that remittances to companies or entities suspected of being associated with North Korean IT workers are prohibited.
For details of the above regulations, please refer to the Ministry of Finance website. As various regulations based on the Foreign Exchange Act are revised or implemented from time to time, please check the latest regulatory information on the Ministry of Finance website when making a remittance.
Article 7: Limitation of Liability and Disclaimers
1. DCOM shall not be liable for any damages incurred by the user or a third party due to the following reasons, unless there is willful misconduct or gross negligence on the part of DCOM:
(1) Unauthorized use resulting from inadequate management of IDs, passwords, or authentication information by the user, or the disclosure/sharing thereof with a third party.
(2) Failures or security incidents arising from the user’s terminal, communication environment, or software.
(3) Damages caused by the user’s violation of or failure to comply with the Terms and Conditions, security policies, advisories, or other guidelines prescribed by DCOM.
(4) Attacks by third parties, such as unauthorized access or viruses, provided that DCOM is deemed to have taken reasonable security measures.
2. DCOM shall assume no liability for losses incurred due to the following reasons:
(1) Natural disasters, war, accidents involving transportation facilities, riots, legal restrictions, or emergency measures taken by governments or public institutions (such as central banks).
(2) Failures in DCOM's computer systems caused by telecommunications connection issues or other problems (e.g., inability to access the website for the online remittance system).
(3) Legal disputes arising between Sender and the recipient or a third party.
(4) Any other losses arising from causes not attributable to DCOM.
3. DCOM shall not be liable for any results arising from payment errors or delays within Japan, inaccurate remittance instructions to DCOM, delays in DCOM's services due to domestic legal regulations, or any other unavoidable circumstances. DCOM shall not be liable for any indirect damage arising therefrom.
4. Except as otherwise provided by Japanese law, in no event shall DCOM be liable for damages exceeding the remittance amount and remittance fees paid by Sender, even if the delay, non-delivery, non-payment, or underpayment of the remittance is caused by DCOM’s negligence. DCOM shall not be responsible for discrepancies or delays caused by the laws of the destination country or reasons beyond DCOM's control. In no event shall DCOM be liable for any incidental, indirect, special, or consequential damages.
Article 8: Public Disclosure of Unauthorized Transactions
In the event that damages are incurred by a customer or a third party due to unauthorized access, identity theft (impersonation), internal fraud, etc., and the Company determines that such an incident is expected to have a significant social impact, the Company shall disclose information regarding the incident in accordance with the following policies:
(1) Prioritizing user protection, the Company shall clearly state the status of the damage and measures to prevent recurrence.
(2) If a notification to the Financial Services Agency (FSA) or other supervisory authorities is required, public disclosure shall be made after such reporting.
(3) For minor incidents, a simplified disclosure via the website, etc., shall be deemed sufficient.
(4) The necessity of public disclosure shall be determined through consultation between the Chief Information Security Officer (CISO) and the Representative Director.
Article 9: Compensation for Damages from Unauthorized Remittances
In the event that a user suffers damages due to an unauthorized transaction conducted against the user's will, the Company shall promptly conduct a factual investigation and technical inquiry regarding the damage and determine whether there was any negligence on the part of the Company. If negligence is found, the Company shall provide compensation up to the amount of actual damage. However, the user shall not be eligible for compensation if the user has committed gross negligence or has refused to cooperate with the investigation.
In addition, if there is a suspicion that an account has been used for criminal purposes, the account may be frozen based on an inquiry from the police.
Article 10: Miscellaneous
1. Prohibition of Assignment, Pledge, etc.: The Sender's rights based on transactions under these Terms and Conditions may not be assigned, lent, mortgaged or pledged, or otherwise set as a third-party right, not may they use by a third-party.
2. Compliance with Laws and Regulations: Matters not provided for in the general provisions applicable to remittance transactions shall be governed by laws, regulations, customs, and practices of Japan and other relevant countries, as well as the prescribed procedures of DCOM and its agents.
3. Customer Inquiries and Complaints (including inquiries regarding remittance status): Inquiries and complaints are accepted at the following address, telephone numbers, or fax numbers.
D.COMMUNICATIONS, INC.
6F Across Shinkawa Bldg., 1-8-8 Shinkawa, Chuo-ku, Tokyo ZIP Code:104-0033.
Tel: 03–6661-2477 Fax: 03–6661-9181
Contact time: 09:30 – 18:00
(Excluding public holidays, New Year's holidays, and company-designated holidays)
4. Dispute Resolution Measures: Pursuant to the Payment Services Act, DCOM has implemented the following dispute resolution measures. For disputes concerning the funds transfer business conducted by DCOM, customers may utilize the following external institutions:
Tokyo Bar Association Dispute Resolution Center
Tel: 03-3581-0031
Location: Bar Association Building 6F, 1-1-3 Kasumigaseki, Chiyoda-ku, Tokyo 100-0013
Dai-ichi Tokyo Bar Association Arbitration Center
Tel: 03-3595-8588
Location: Bar Association Building 11F, 1-1-3 Kasumigaseki, Chiyoda-ku, Tokyo 100-0013
Daini Tokyo Bar Association Arbitration Center
Tel: 03-3581-2249
Location: Bar Association Building 9F, 1-1-3 Kasumigaseki, Chiyoda-ku, Tokyo 100-0013
5.
Governing Law and Agreed Jurisdiction:
(1) These Terms and Conditions shall be governed by and construed in accordance with the laws of Japan. Any and all disputes arising between DCOM and the customer regarding these Terms and Conditions shall be subject to the exclusive agreed jurisdiction of the Tokyo District Court as the court of first instance.
(2) Translated versions in languages other than Japanese are created for reference purposes only, and the Japanese version shall be the official original text. In the event of any conflict or inconsistency between the Japanese version and a version in another language, the Japanese version shall prevail.
(*)Amendment to these Terms and Conditions: DCOM may revise the contents of these Terms and Conditions. In such cases, DCOM shall announce the date of revision and the details of the changes on the changes on its website, bulletin boards, etc. Customers are requested to check the revision date below to determine if there have been any changes from the content they previously viewed. DCOM shall not be liable for any loss or damage resulting from such changes.
Established Date: July 02, 2012.
Effective Date: This policy was last modified on November 28, 2025.
