Overseas Remittance Service User Agreement
Article 1 (Scope of These Terms and Conditions) These Terms and Conditions shall apply between Japan Remit Finance Co., Ltd. (hereinafter referred to as the "Company") and customers who use the Small Amount Overseas Remittance Service provided by the Company (hereinafter referred to as the "Service") (hereinafter referred to as the "Customer").
Article 2 (Real-Name Transactions) The Customer shall conduct all small amount overseas remittance transactions with the Company under the Customer's real name.
If the Company requests documents or other necessary materials for the purpose of verifying the Customer's real name, the Customer shall comply with such request.
Article 3 (Limitations on remittance) The remittance limits applicable to the Customer when using this Service shall be governed by Article 3-4, Paragraph 1 of the latest Foreign Exchange Transactions Regulations, as amended from time to time.
Article 4 (Designated Account) ① The Company may disburse funds to the Customer or receive funds from the Customer only through an account opened in the name of the Company with a financial institution, which was designated at the time of registration (including any amended registration) as a Small Amount Overseas Remittance Business Operator for use in conducting small amount overseas remittance business (hereinafter referred to as the "Designated Account").
② The Company shall disclose information regarding the Designated Account on its website or through other appropriate means and shall maintain such information in an up-to-date manner.
Article 5 (Fees) ① Upon receiving an application from the Customer to use the Service, the Company shall provide the Customer with detailed information regarding the fees payable by the Customer (hereinafter referred to as the "Fees"), specifying each component separately, including but not limited to exchange fees, remittance fees, and fees payable to foreign partner institutions.
② The Company shall disclose information regarding the Fees on its website or through other appropriate means and shall maintain such information in an up-to-date manner.
Article 6 (Applicable Exchange Rates) ① Upon receiving an application from the Customer to use the Service, the Company shall provide the Customer with information regarding the exchange rate applicable to the transaction.
② The Company shall disclose information regarding the applicable exchange rate on its website or through other appropriate means and shall maintain such information in an up-to-date manner.
Article 7 (Amounts Paid and Received) ① When the Customer applying for the Service deposits funds into the Designated Account, the Company shall deduct the applicable Fees, convert the remaining amount into foreign currency, and remit such amount to the recipient designated by the Customer.
② Upon receiving an application from the Customer to use the Service, the Company shall provide the Customer with information regarding the amounts to be paid and received, expressed both in Korean Won (KRW) and in the applicable foreign currency.
Article 8 (Processing Time) ① Upon receiving an application from the Customer to use the Service, the Company shall provide the Customer with information regarding the estimated time required for payment or receipt of funds.
② The Company shall disclose information regarding the estimated processing time for payment or receipt of funds on its website or through other appropriate means and shall maintain such information in an up-to-date manner.
Article 9 (Amendment or Cancellation of Remittance) ① The Customer may request an amendment or cancellation of a remittance transaction by telephone or by visiting a branch office, provided that the remittance has not yet been completed, including cases where the funds have not been successfully credited to the recipient’s account.
However, once the remittance transaction has been completed, including successful crediting to the recipient's account, the Customer may not request any amendment or cancellation.
② Upon receiving a request from the Customer for amendment or cancellation of a remittance transaction, the Company shall process such request and notify the Customer of the result.
Article 10 (Notification of Remittance Results) When a remittance transaction has been completed, including successful crediting to the recipient's account, the Company shall promptly notify the Customer of the result through the contact information registered in advance by the Customer.
Article 11 (Compensation for Damages) If damage is incurred by the Customer due to reasons attributable to the Company, the scope of the Company's liability for damages shall include ordinary damages as prescribed under the Civil Act (Korean law).
Compensation for special damages arising from special circumstances shall be limited to cases where the Company knew or could have known of such special circumstances.
Article 12 (Refund) ① If a remittance transaction is not completed within fifteen (15) days from the date on which the Customer deposited funds into the Designated Account after applying for the Service, and such failure is not attributable to the Customer, the Customer may request a refund from the Company.
② Upon receiving a refund request under Paragraph 1, the Company shall, except in cases of special circumstances, pay to the Customer the amount originally deposited into the Designated Account and any applicable amount under Article 11 (Compensation for Damages).
Article 13 (Dispute Resolution) ① The Company shall establish procedures for reflecting legitimate opinions or complaints raised by Customers in connection with the small amount overseas remittance business and for compensating Customers for damages incurred in relation thereto (hereinafter referred to as the "Dispute Resolution Procedure").
② The Company shall provide Customers with information regarding: the method of filing disputes (including the designation and contact details of the officer in charge of dispute resolution and relevant personnel), the dispute resolution procedures (separately distinguishing between simple complaints and claims for compensation for damages), and the notification of dispute resolution results to Customers (including the processing period and method of notification).
③ If the Customer has any objection regarding the processing of a small amount overseas remittance transaction, the Customer may request resolution through the Company's dispute resolution body (including the officer in charge of dispute resolution and relevant personnel). The Company shall investigate the matter and notify the Customer of the result within the processing period specified under Paragraph 2.
④ The Company shall disclose on its website or through other appropriate means the designation and contact details of the officer in charge of dispute resolution and relevant personnel, and shall maintain such information in an up-to-date manner.
Article 14 (Retention of Transaction Records) The Company shall retain records of payment and receipt transactions with the Customer for five (5) years in accordance with the Foreign Exchange Transactions Act (Korean law) and other applicable laws and regulations.
Article 15 (Confidentiality) ① The Company shall not provide to any third party, disclose, or use for purposes other than its business operations any and all customer information obtained in the course of conducting the small amount overseas remittance business, including but not limited to personal information, account information, and details and records of remittance transactions with the Company (hereinafter referred to as "Customer Information"), except as otherwise provided under applicable laws and regulations or with the Customer's consent.
② If the Company violates Paragraph 1 or if theft or leakage of Customer Information occurs due to reasons attributable to the Company, including negligence in management, the Company shall be liable to compensate the affected Customer for damages. However, the Company may be exempt from liability if it proves that there was no willful misconduct or negligence on its part.
Article 16 (Provision and Explanation of the Terms and Conditions) ① When the Company establishes or amends these Terms and Conditions, it shall publicly disclose them on its website or through other appropriate means and shall clearly indicate the Terms and Conditions when entering into a contract with a Customer in connection with the small amount overseas remittance business.
② The Company shall provide a copy of the Terms and Conditions to the Customer by means of electronic transmission (including transmission by e-mail), facsimile transmission, postal mail, or direct delivery.
③ If the Customer requests an explanation of the contents of the Terms and Conditions, the Company shall explain the material terms and conditions to the Customer by any one of the following methods:
1. Providing a direct explanation of the material terms and conditions to the Customer;
or
2. Displaying the material terms and conditions in a manner that is easily understandable to the Customer through electronic devices and receiving, through such electronic devices, the Customer's confirmation that he or she has sufficiently understood such contents.
Article 17 (Applicable Laws) Matters not provided for in these Terms and Conditions shall be governed by the Foreign Exchange Transactions Act (Korean law) and other relevant laws and regulations.
Article 18 (Governing Law and Jurisdiction) Any dispute arising in connection with these transactions shall, in principle, be resolved by mutual agreement between the parties.
However, if the parties are unable to reach an agreement and litigation is initiated in connection with these transactions, the competent court shall be determined in accordance with the Civil Procedure Act (Korean law).
Effective Date
These Terms and Conditions shall take effect on January 1, 2020.
** These Terms and Conditions are originally drafted in the Korean language. The English version is provided for convenience only. In the event of any conflict, discrepancy, or difference in interpretation between the Korean version and the English version, the Korean version shall govern and prevail.
Privacy Policy
We, Japan Remit Finance Co.,Ltd. according to article 30 of Personal Information Protection Act, article 27-2 of the Promotion of Information and communication network utilization and Information Protection Act, protect the personal information, rights and interests of the customers. We have the following policies.
Article 1 (Objective of Personal Information collection)
Japan Remit Finance collects personal information for the following purposes. In case the personal information is to be used for purposes other than the ones mentioned below, Japan Remit Finance will seek prior consent from the customers.
1. Membership registration and management
Japan Remit Finance collects and handles personal information for the purpose of registration, use of service, personal verification, prevention of unauthorized use, unauthorized use and verify identification of the customers.
2. Provide goods and services
Japan Remit Finance collects and handles personal information for the purpose of providing service, contents, customized services, individual verification, age verification, payments and for the purpose of resolving disputes, handling disputes, investigating financial transactions and fulfill statutory obligations.
3. Marketing and Promotion
Japan Remit Finance collects and handles personal information for the purpose of providing newly developed and customized services, promotion and participation of events, services customized for different demographic characteristics, confirmation of validity of service, access verification, and customer service.
4. Objective related to Online Transaction
Japan Remit Finance collects and handles personal information for the purpose of tracking and retrieving electronic monetary transaction, utilization of transaction data for security policy as stated by the Electronic Financial Transaction Act article 21 and 22.
Article 2 (Personal information collection and retention time period)
1. The personal information provided by the customers will be collection and retained from the day of registration as a member till the termination of the account.
However, personal information will be retained for the purposes of resolving disputes, handling complaints, investigation and fulfillment of statutory obligations as mentioned in article 1.
2. Personal information related to provision of goods and services, electronic transaction will be collected and retained from the time of consent till the transaction is completed. However, such information will be retained and used for the purpose of investigating accidents, dispute settlement, handling complaints, company’s risk management and fulfill statutory obligations.
3. Personal information related marketing and promotion will be collected and retained from the time of consent till the day of withdrawal of consent. However, such information will be retained and used for the purpose of investigating accidents, dispute settlement, handling complaints, company’s risk management and fulfill statutory obligations.
4. Personal information related to online transaction will be collected and retained for the period stated in the Electronic Financial Transaction Act article 12.
Article 3 (Provision for providing personal information to Third party)
Japan Remit Finance will restrict the use of personal information of the customers stated in article 1 and will not provide personal information to third party without the consent of the customer. However, in case of any of the following conditions or when interests of the customer or the third party is compromised, Japan Remit Finance may use the personal information for purposes other than that mentioned in article 1 or provide such information to the third party. In addition, Japan Remit Finance entrust the smooth processing of personal information system. Members have the right to refuse consent for the provision of providing personal information to third party, in such cases the customers might be restricted from using the service provided by Japan Remit Finance. Japan Remit Finance strictly complies with the laws regarding information protection, sharing personal information of the customer and prohibit providing personal information to the third party and bear the responsibilities electronically. Japan Remit Finance will notify in case of such events or change of privacy policy.
1. In case the customer has consented to providing personal information to the third party
2. In case of special regulations in other laws
3. In case, Japan Remit Finance fails to obtain prior consent from the customer or representative due to reasons such as wrong or missing address, and the information is deemed necessary for the protection of the name, body and life of the customer or the third party.
4. In case the personal information provided is deemed required for statistical analysis and research but is not written in a recognized form.
5. The company provides personal information as follows
Recipient: KFTC
Objective: Wire transfer of fund (electronic money transfer)
Retention: The information regarding payment and supply will be retained to 5 years, and as allowed and obligated by other related regulations
Recipient: Financial authorities(financial supervisory service, Bank of Korea, Ministry of Economy and Finance, KoFIU)
Objective: Foreign exchange transaction management/supervision,Anti-money laundering
Content: Foreign remittance transaction history
Retention: This is the same as the below "9. Personal Information retention period"
6. Transfer of personal information abroad
Recipient: Overseas financial institutions
Objective: Foreign remittance
Content: name, ID number, address, contact information, nationality, date of birth, cellphone number, remittance amount, remittance date, sending purpose, source of fund, occupation, gender, ID Card issue date, issuing authority, place of birth, receiver information(receiving financial institution name and branch name, name, date of birth, gender, nationality, bank account number, address, phone number, relationship, BIC Code, Province Code, Regency Code, CUP Card number, bKash number)
Retention: This is the same as the below "9. Personal Information retention period"
7. Provision for affiliate
Sell new products, service
8. Providing Personal Information
Information provided by the customer, information required to register transactions, transaction information, information other than identifiable from personal information (unique identification information like name, citizenship identification number, passport number, nationality and contact information like job, email, phone number)
Includes information collected before obtaining consent.
9. Personal Information retention period
The personal information provided will be retained from the day it is provide until the customer withdraws consent or the objective is fulfilled. After the withdrawal of consent or the fulfilment of the objective, personal information can only be retained and used for investigation of accidents, resolving disputes, handling complaints and statutory obligation.
Article 4 (Customer management duties and method)
1. The customer can request to view personal information collected by the company and the information of minors under the age of 14 (legal representatives only)
2. The customer can request the company to delete or save information that is different from the true information or can’t be confirmed. However, in case the information is specified under other regulations or laws it can’t be deleted.
3. Customer can ask Japan Remit Finance to stop processing personal information. However, under the following cases the company will notify the customer and reject the request to stop processing personal information.
① In case it is restricted by special regulation of the law or it is inevitable to comply with the statutory obligations
② There is a risk of causing harm to another person’s name, body or infringement of intellectual property and interest of others.
③ In case customer and the information regarding the termination of the contact are not clearly specified.
Article 5 ( Items of personal information)
The mandatory and optional information required for Japan Remit Finance to install, maintain, implementation, management and provide service are as follows:
1. Mandatory information
Unique identification information: name, citizenship number, gender and contact information like nationality, address, email, phone number.
Transaction information: product type, conditions for transaction, date of transaction, amount etc. information for registering and history of transaction
Other information generated through consultation for transaction, transaction registration, maintenance, implementation, management
2. Optional Information
Information provided by the customer and information required when registering as a member
3. Information collected in pursuit with the Electronic Financial transaction Act (Online transactions only)
Customer ID, password, Date and time of connection, IP address, HDD serial, MAC address, firewall settings, Os type and browser versions
Japan Remit Finance does not collect sensitive personal information which might cause infringement of personal information, but for the sole purpose of individual consent and with consent.
4. Collection method
Directly from the customer
From the mobile and homepage when subscription is registered
Homepage, written contract, fax, telephone, noticeboard, email, application details, delivery request
From the customer service through customer center.
Article 6 (personal information deletion)
Japan Remit Finance will delete personal information without delay when the personal information processing is complete. The deleting procedures, deadline and method are as follows
1. Delete procedure: The customer information is transferred to a separate database (separate documents in case of written paper) and temporarily stored for a time period and deleted in pursuit with the laws and regulations. The information stored in the DB is only used as specified by the law and not for any other process.
2. Delete deadline: The customer’s personal information is retained for 5 days from the date of collection, and deleted within 5 days after the personal information processing is complete, termination of service, operation is closed etc. In case the information is deemed not necessary it is deleted within 5 days since the day it was collected as necessary.
3. Delete method: Electronic information is deleted using technical methods so the information can’t be reproduced. In case of written paper, it is deleted using crusher or incinerated.
Article 7 (Protection of Personal Information)
Japan Remit Finance maintains a technical, managerial and physical action procedure to protect the personal information in pursuit with personal information protection act article 29.
1. Personal Information encryption
Japan Remit Finance uses encrypted password for the protection of personal information and known to the customer only and sensitive information is protect with encryption keys, file locking etc.
2. Technical measures against hacking
Japan Remit Finance installs, maintains, updates and externally monitors a security program to prevent hacking or virus that may lead to leak and or damage of personal information.
3. Access restriction
Japan Remit Finance takes necessary measures to control access to personal information through granting, modifying, and deleting access rights to the database system and controls unauthorized access externally by using an intrusion prevention system.
4. Training of personnel handling personal information
Personnel who handle personal information designated and limited in order to protect personal information.
Article 8 (Change of privacy policy)
Japan Remit Finance shall notify the change, time of implementation, changed details 7 days before the day of change thorough notice board.
Article 9 (Remedies for infringement)
Japan Remit Finance can contact the following numbers to report and consultation in case of infringement.
1. Personal information dispute mediation committee
2. KISA (www.kopico.or.kr / 02-1336)
3. ePrivacy mark (www.eprivacy.or.kr / 02-580-0533~4)
4. Advanced Criminal Investigation Division, Supreme Prosecutors' Office (www.spo.go.kr / 02-3480-2000)
5. Police Cyber Bureau (www.ctrc.go.kr / 02-392-0330)
Article 10 (Responsible person for protection of personal information)
In pursuit with personal information protection act article 31 clause 1 following will be held responsible for the protection of personal information
Responsible : Alimul Islam
Department : IT Head
contact : T 02-6927-3477
Additional clause (date of agreement)
This agreement is concluded on 2020.1.1.
Mandatory Consent form to collect, use and provide personal information
Mandatory Consent form to collect, use and provide personal information
The following conditions require mandatory consent for conducting international remittance transaction service.
Conditions for collection and use of personal information
In pursuit of Credit Information use and protection Act article 15 clause 2, article 32 clause 1, article 33 and 34 and Personal Information Protection Act article 15 clause 1, article 24 clause 1 item 1, article 24 clause 2 individual consent is required in order for Japan Remit Finance to collect, use and provide personal information related to Japan Remit Finance’s business.
Purpose of collecting and using personal information
Agreement implementation, management, maintenance, providing registered products and services, legal obligations, investigation of illegal financial transactions, dispute settlement, handling complaints
Contents of personal information to be collected ,used
Personal information: name, ID number, address, contact information, nationality, date of birth, cellphone number, email address, application password, PIN Code, ID Photo, remittance amount, remittance date, sending purpose, source of fund, occupation, gender, ID Card issue date, issuing authority, place of birth, receiver information(receiving financial institution name and branch name, name, date of birth, gender, nationality, bank account number, address, phone number, relationship, BIC Code, Province Code, Regional Code)
Transaction information: conditions for transaction, date of transaction, amount, product type etc. transaction registration information and registration of transaction
Customer’s ID, date of access, IP address, previous telephone number etc. and information stated in the electronic financial transaction act.
Includes information provided before the consent
Time limit for use and retention if personal information
The time limitation for Japan Remit Finance to use and retain information is 5 years from the day of termination of all the agreement signed with Japan Remit Finance and cancellation of service. (However, if a time limit is specified in the regulations of the related act the time limit will adhere to the act). Here after the information will only be used for investigation of error in transaction, settling disputes, handling complaints or fulfillment of legal obligations.
Management of refusal of consent and disadvantages related to refusal of consent
Consent for collecting and use of personal information is mandatory to conduct and maintain transactions.
I Agree to collection and use of personal information by the company for the purpose mentioned above.
I Agree to the collection and use of personal identification information by the company for the purpose stated above.
Personal identification information as defined in article 24 of the Personal information protection act like citizenship number, passport number, driving license, alien registration number etc.
Providing essential personal credit information to third parties
I am concerned with Japan Remit Finance business If Japan Remit Finance provides personal information to a third party pursuant to Articles 17, 22 and 24 of the 「Personal Information Protection Act」 and Article 32 of the 「Use and Protection of Credit Information Act」, Must be obtained. I hereby agree that Japan Remit Finance will provide my personal information to a third party as follows
Recipient: KFTC
Objective: Wire transfer of fund (electronic money transfer)
Content: KFTC user token, KFTC user update token, KFTC user number, Fintech user number
Retention: The information regarding payment and supply will be retained to 5 years, and as allowed and obligated by other related regulations
Recipient: Financial authorities(financial supervisory service, Bank of Korea, Ministry of Economy and Finance, KoFIU)
Objective: Foreign exchange transaction management/supervision,Anti-money laundering
Content: Foreign remittance transaction history
Retention: This is the same as the above "3. Time limit for use and retention if personal information"
Recipient: Overseas financial institutions
Objective: Foreign remittance
Content: name, ID number, address, contact information, nationality, date of birth, cellphone number, remittance amount, remittance date, sending purpose, source of fund, occupation, gender, ID Card issue date, issuing authority, place of birth, receiver information(receiving financial institution name and branch name, name, date of birth, gender, nationality, bank account number, address, phone number, relationship, BIC Code, Province Code, Regional Code)
Retention: This is the same as the above "3. Time limit for use and retention if personal information"
Management of refusal of consent and disadvantages related to refusal of consent
Consent for collecting and use of personal information is mandatory to conduct and maintain transactions.
I agree to collection and use of personal information by the company for the purpose mentioned above.
Additional clause (date of agreement)
This agreement is concluded on 2020.1.1.
Optional Consent form to collect, use and provide personal information
The consent forms are not mandatory for the agreement and can be refused. However, refusing consent may limit services (discount coupons, gifts), new product (service) introduction, promotional events provided by the company. There is no limitation regarding international remittance.
Conditions for collection, use of optional personal information
Consent is required in pursuit with article 15 clause 2, article 32 clause 1, article 33 and 34 of credit information use and protection related act, article 15 clause 1 item 1, article 17 clause 1 item 1, article 22 clause 2 of personal information protection act to collect and use customer’s personal information in order to provide introduction and sales of the company’s product.
1. Purpose of collecting and using personal information
Introduction of product and services of the company and affiliates, purchase invitation, market research and product, service R&D and customer satisfaction investigation.
2. Personal information to be collected and used
Personal information required to collect and use
3. Time limit for use and retention of personal information
The information will be used and retained until the agreement is cancelled or consent is withdrawn. Here after,the information will not be used for other purpose than investigation of financial transactions, settling dispute, fulfillment of legal obligation.
I Agree to collection and use of personal information by the company for the purpose mentioned above.
Notification regarding service, affiliate’s services marketing events, will be sent through the medium selected among phone, mobile, SMS, email etc.
Conditions related to optional personal information
1. I consent to the company or the company’s affiliate collecting and using my personal information, for promotion and sale of the company and affiliates and providing my personal information to the 3rd party mentioned below for marketing events
Receiver : companies that make gifts, prizes
Purpose : delivery of gifts, goods, prizes
Provided information : name, address, phone number
Receiver : KT, LG etc SMS service provider
Purpose: send gifts, prizes, information through SMS
Provided information : name, phone number
Receiver : Contents provider via call center
Purpose : information of service, purchase offer, customer service through phone
Information provided: personal identification information and transaction information
Receiver : affiliates and subsidiaries
Purpose: information and purchase offer of products service of affiliates and subsidiaries
Information provided: personal identification information
2. Use and retention time limit for personal information of the receiver
Incase of business consignment the time limit is set with consent. The information will be retained from the day of consent for a period of 2 years or when the agreement is terminated. Here after, the information will not be used for other purpose than investigation of financial transactions, settling dispute, fulfillment of legal obligation.
I Agree to collection and use of personal information by the company for the purpose mentioned above.
Additional clause (date of agreement)
This agreement is concluded on 2020.1.1.
Complaints and dispute settlement procedure
Article 1(Purpose) The purpose of this dispute resolution document is in accordance to Article 13 of Terms of Use Transactions (hereafter “Terms of Use”), which is to resolve justifiable dissatisfactions or implement opinions of customers, and to define the process and operate compensation for any damages occurred.
Article 2(Customer Complaint)
1. Method of reception
1) Tel. : 1522-8068
2) E-mail : help@jpremit.co.kr
2. Processing period : Within 15 business days. However if it is postponed due to natural disaster, local situation, it will be noticed in advance.
3. Response regarding processing result of customer complaints : The result will be noticed via what the customer wants to.
Article 3(Complaints and dispute settlement organization) In accordance with Article 13-3 of the Terms of Use of Remittances Service, the client may request the Complaints and dispute settlement organization to resolve the matter if customers have any objection to the handling of the remittance transaction.
1. Manager
1) Department and position : IT Head
2) Name : Alimul Islam
3) Contact : 02-6927-3477, alimul.islam@jpremit.com
2. Dispute Resolution Manager
1) Department and position : JRF Korea, Compliancer
2) Name : Taehwan Jun
3) Contact: 070-7510-3384, t.jun@jpremit.com
Article 4(Procedure) The company provides the following procedures for complaints and dispute settlement by separating complaints and damage requirements.
1. Receive complaints
We accept customer complaints related to our remittance services via phone or e-mail. All complaints will be delivered to manager without any distinction between complaints and damage requirements. At the same time, the customer will be notified of that.
2. Check and investigation
The manager shall verify the facts of the complaints via in various ways, including the relevant ministries, officials, and e-mail. This procedures will take up to 15 business days. However, if it is postponed due to natural disaster, local situation, it will be noticed in advance.
3. Result notification
The result will be notified to customers based on verified facts. Complaints are handled through immediate follow-up actions. In case of the damage requirements claim is carried out through the Complaints and dispute settlement organization.
4. Progress of settlement and adjustment
In the case of a damage requirements, that shall be carried out in accordance with the procedure of the Complaints and dispute settlement organization when damages occur to the customer due to the company's responsible reasons. The customer may withdraw application if a mutually amicable agreement is reached before the dispute settlement process or during the dispute settlement process.
5. Completion of Dispute Settlement
If the customer has accepted the final decision to arbitrate the dispute through the dispute settlement process of the Complaints and dispute settlement organization, it is deemed that the dispute settlement agreement has been established. The result of dispute settlement will be notified to the applicant in writing or via e-mail. Following to this result, Japan Remit Finance will process damages to customers under Article 11 of the Terms of Use. If the customer does not accept the final dispute settlement decision, the applicant can refuse to adjust or file a lawsuit.