Compensation for Damage Caused by Fraudulent Use

For individual customers, Sony Bank will compensate for damages caused by fraudulent withdrawals through the Internet banking service made on or after the day preceding 30 days of the date on which notice was given to us, providing that all the following 1 to 3 are met. If we prove that such a withdrawal was made in our good faith and without negligence and that the customer was negligent, we shall compensate for the amount equal to three-fourths (3/4) of the amount to be compensated. However, this shall not apply if the notice is provided to us after the date on which two years have elapsed from the date on which the password, etc., was theft. In addition, we shall not be liable to compensate for any damages if we prove that the customer has acted with intent or gross negligence, if the withdrawals were made by the customer's spouse, a relative within the second degree, a relative or other person living with the customer, or a household employee, or if the customer makes a false statement on important matters in the explanation to us regarding the situation of the damage.

1.The theft of passwords, etc. or fraudulent withdrawals have been reported to us immediately upon the customer's acknowledgement.
2.The customer provides full explanation for our inquiries.
3.The customer provides us with proof that the theft has been reported to the police or any other document evidencing the theft.

Regarding customer's negligence or gross negligence

The definition of gross negligence or negligence for the fraudulent use is different from the case of stolen cards or stolen passbooks. Therefore, we will determine the compensation for damages caused by fraudulent use on a case-by-case basis after a thorough review of the details of the damage and the facts.

Examples of cases in which the compensation may be reduced or not paid

1.In case the customer has entered ID, password, etc. in the methods that we have warned about, despite our individual and specific warnings.
2.In case the customer has disclosed his/her ID, password, etc. to a person who is pretending to be a police officer, bank employee, etc. due to carelessness. Also in cases where the customer has disclosed his/her ID, password, etc. to another person without a valid reason.
3.In case the customer has written down IDs, passwords, etc. in a notebook, etc. or stored them in an information terminal, such as a mobile phone, etc., and the notebook, mobile phone, etc. is stolen or the information is stolen due to the customer's negligence.
4.In case the fraudulent use was made while the customer failed to notify us despite the following facts:
- (1) The case falls under the examples described in the previous 1 to 3 above.
- (2) The customer being aware of unrecognized changes in his/her balance when signing in to the internet banking service, etc.
- (3) The customer was aware of the fraudulent withdrawals being made through the internet banking service due to a virus infection of the customer's computer, etc.
5.In case the fraudulent withdrawal was made to the customer himself/herself (including the case where the fraudulent withdrawal is made to an account in the customer's name).
6.In case the fraudulent withdrawal was made to the customer's spouse or a relative within the second degree, etc. (including the case where the fraudulent withdrawal is made to an account in the name of the customer's spouse or a relative within the second degree).
7.In cases where the fraudulent withdrawal was made by using the customer's name in an account with a company (including accounts with securities companies and cryptocurrency service companies) that verifies the customer's identification in accordance with legally prescribed methods (including cases where a fraudulent withdrawal was made by using the customer's account or name).

Important points to note

Domain name of the official Sony Bank sign-in page is o2o.moneykit.net/****. Please check the URL.
Never enter the full 10-digit serial number on the back of your cash card.
Sony Bank will not ask you to enter an authentication code for any purpose other than registering to use the Sony Bank App (available in Japanese only).
Please note that compensation may not be provided in the following cases.
- (1) If the sign-in password or transaction PIN is a number that is easily guessed by others, such as the customer's date of birth, address number, telephone number, car license plate number, or made of the same numbers, etc., or if the same password is used for other service transactions.
- (2) If the customer has written down IDs, passwords, etc. in a notebook, etc., or stored them in a mobile phone or other information terminal, and
  - [1] if the notebook is left in a place where it can easily be seen by a third party or is in a condition where it can be easily stolen by a third party.
  - [2] if a password, etc., is not set on the information terminal (or if the password is managed in the same environment as a notebook containing the password) and the terminal is left in a place where it is easily seen by a third party, etc., and in a situation where it can be easily stolen by a third party.
  - [3] if a customer is placed in a condition where he/she can be easily deprived by others, such as by being unable to perform his/her normal duty of care due to drunkenness or other factors.
- (3) If the customer has stored the sign-in password or transaction PIN on a computer or other information terminal where security software has not been installed and there is evidence of unauthorized access by a third party.
- (4) If a customer has stored a sign-in password or transaction PIN in an e-mail or cloud service and the password, etc., of the e-mail or cloud service has been stolen by a third party and has been accessed fraudulently.