Establishment and Revision History

Terms And Conditions For Sony Bank Visa Debit Agreement

• Date of revision : 2023/12/13
• Division : Revision

Changes and details

Current：

Article 4 - Management of Card and Visa Debit PIN
4.Upon receipt of the Card, the Member must promptly sign his/her own name in the designated place for signature thereon (only applies if the Card has a signature field) .

Previous：

Article 4 - Management of Card and Visa Debit PIN
4.Upon receipt of the Card, the Member must promptly sign his/her own name in the designated place for signature thereon.

Current：

Article 6 - How to Use
1.The Member may make a Purchase Transaction by presenting the Card at a Merchant Establishment, having the Card Information scanned by a terminal equipped with the function for handling Visa Debit Transactions (“Terminal”), and affixing a signature on a prescribed sales slip. At Merchant Establishments specifically approved by the Company, the Member may make a Purchase Transaction by entering his/her Visa Debit PIN in the Terminal installed at such Merchant Establishments or by following other procedures specifically approved by the Company in lieu of affixing his/her signature on a sales slip. However, if a Terminal is out of order or there are other procedures specifically approved by the Company, the Member may be required to make a Purchase Transaction in other ways.

Previous：

Article 6 - How to Use
1.The Member may make a Purchase Transaction by presenting the Card at a Merchant Establishment, having the Card Information scanned by a terminal equipped with the function for handling Visa Debit Transactions (“Terminal”), and affixing a signature that is identical to the signature on his/her card on a prescribed sales slip. At Merchant Establishments specifically approved by the Company, the Member may make a Purchase Transaction by entering his/her Visa Debit PIN in the Terminal installed at such Merchant Establishments or by following other procedures specifically approved by the Company in lieu of affixing his/her signature on a sales slip. However, if a Terminal is out of order or there are other procedures specifically approved by the Company, the Member may be required to make a Purchase Transaction in other ways.

Current：

Article 18 - Compensation for Damage Caused by Card Loss or Theft
3.(1)
(ix)removed
(ix)The Visa Debit PIN registered by the Member was used due to willful misconduct or gross negligence on the part of the Member or his/her statutory agent when his/her Card was used or Authentication information for Personal Authentication Service, pursuant to Article 15.1.1, was used fraudulently;
(x)In case the Member or Related Persons, etc., are the recipients of goods or services or the recipients of payments for fraudulent use in mail order or other non-face-to-face transactions; or
(xi)In case the details reported by the Member correspond to a dispute with the Merchant pursuant to Article 22.

Previous：

Article 18 - Compensation for Damage Caused by Card Loss or Theft
3.(1)
(ix)The Member has not signed his/her own name on the back of his/her Card; or
(x)The Visa Debit PIN registered by the Member was used due to willful misconduct or gross negligence on the part of the Member or his/her statutory agent when his/her Card was used or Authentication information for Personal Authentication Service, pursuant to Article 15.1.1, was used fraudulently;
(xi)In case the Member or Related Persons, etc., are the recipients of goods or services or the recipients of payments for fraudulent use in mail order or other non-face-to-face transactions; or
(xii)In case the details reported by the Member correspond to a dispute with the Merchant pursuant to Article 22.

Sony Bank General Terms And Conditions

• Date of revision : 2023/8/31
• Division : Revision

Changes and details

Current:

If the customer carries out deposit transactions, loan transactions or any other service transactions (collectively “Banking Services”) provided by Sony Bank Inc. (“Company”), it will be deemed that the customer has agreed to various terms and conditions the Company separately specifies in addition to the clauses below.
If the joint and several obligor, joint and several guarantor or collateral provider are specified in transactions with the Company, the provisions of Article 13, Article 15, Article 16, Article 17 Paragraph 4, Paragraph 5 and Paragraph 7, Article 18, Article 19, and Article 21 through to Article 23 shall also apply to the joint and several obligor, joint and several guarantor or collateral provider, and the customers in each such provision shall include the joint and several obligor, joint and several guarantor or collateral provider.

Previous:

If the customer carries out deposit transactions, loan transactions or any other service transactions (collectively “Banking Services”) provided by Sony Bank Inc. (“Company”), it will be deemed that the customer has agreed to various terms and conditions the Company separately specifies in addition to the clauses below.
If the joint and several obligor, joint and several guarantor or collateral provider are specified in transactions with the Company, the provisions of Article 13, Article 15, Article 16, Article 17 Paragraph 4, Paragraph 5 and Paragraph 7, Article 18, Article 19 Paragraph 1 and Paragraph 2, and Article 20 through to Article 22 shall also apply to the joint and several obligor, joint and several guarantor or collateral provider, and the customers in each such provision shall include the joint and several obligor, joint and several guarantor or collateral provider.

Current:

Article 6 - Identity Verification
2. Once the Company completes the identity verification as described in paragraph 1, even if the Passwords, etc., are forged, altered, stolen or unauthorized use or any other incident subsequently occurs thereafter, the Company shall treat such transaction as a valid transaction and the Company shall not be liable for any damages resulting therefrom. Although the customer may claim compensation for losses caused by fraudulent withdrawals due to theft of passwords, etc. in accordance with Article 20.

Previous:

Article 6 - Identity Verification
2. Once the Company completes the identity verification as described in paragraph 1, even if any unauthorized use or other incident subsequently occurs in connection with the Passwords, etc., the Company shall not be liable for any resulting damage.

Current:

Article 19 - Exemption from Liability
Paragraph 3 deleted

Previous:

Article 19 - Exemption from Liability
3. When the Company carries out any requested transaction after the Company has collated the Passwords, etc. the customer input in request for said transaction, by comparing it to the Passwords, etc. notified to the Company in advance, and has checked that they are identical, and has further followed the identity verification procedures prescribed by the Company, even though any accident such as forgery, alteration, theft or unauthorized use occurs for such Passwords, etc., the Company will handle the transaction as an effective one and the Company shall not be liable for any resulting damage.

Current:

Article 20 - Fraudulent Withdrawals Due to the Theft of Password, Etc.
1. In the event of fraudulent withdrawals due to the theft of Passwords, etc., which fall under all of the following items, the customer may claim compensation from the Company equal to the amount of the damages (including fees and interest) for such withdrawals.
(1) The theft of Passwords, etc. or fraudulent withdrawals have been reported to the Company immediately upon the customer's acknowledgement; and
(2) The customer provides full explanation for our inquiries; and
(3) The customer provides the Company with proof that the theft has been reported to the police or any other document evidencing the theft.
2. In the event of a claim as set forth in the preceding paragraph, unless such withdrawals are intentionally made by the customer, the Company shall compensate the amount (hereinafter referred to as the "Compensation Amount") equal to the amount of damages (including fees and interest) incurred in connection with the withdrawal that was made on or after the day preceding thirty (30) days of the date on which notice was given to the Company (if the customer proves that there are unavoidable circumstances which cannot be notified to the Company, the number of days shall be thirty (30) days plus the period during which the circumstances continue.). Provided, however, that if the Company proves that such a withdrawal was made in good faith and without negligence and that the customer was negligent, the Company shall compensate for the amount equal to three-fourths (3/4) of the amount to be compensated.
3. The provisions of the preceding two paragraphs shall not apply if the notice to the Company in regards to paragraph 1 is provided after the date on which two years have elapsed from the date on which the Password, etc., was theft. (or, if such date is unknown, the date on which the first fraudulent withdrawal was made as a result of password theft, etc.)
4. Notwithstanding the provisions of paragraph 2, the Company shall not be liable for any damages if it proves any of the following:
(1) The Company acted in good faith and without negligence with respect to such withdrawal, and any of the following circumstances applies:
<1> The Company proves that the customer has acted with intent or gross negligence.
<2> In the case of the withdrawals 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 (such as a housekeeper who generally performs household chores).
<3> In the event that the Customer makes a false statement on important matters in the explanation to the Company regarding the situation of the damage.
Cases where the act is committed by taking advantage of or incidentally contributing to a serious disturbance of social order due to war, riot, etc.
5. In case the Company makes a payment to the customer or the customer's spouse or a relative within the second degree, etc., in relation to the fraudulent withdrawal set forth in paragraph 1, the Company shall not be liable for the damages stated under paragraph 1 up to the amount of such payment. In addition, if the customer receives any compensation or return of a fraudulent withdrawal from the person who received such compensation, the same shall apply up to the amount of such compensation received by the customer.
6. In case the Company compensates in accordance with the provisions of paragraph 2, the right to claim compensation under paragraph 1 shall be extinguished up to the amount of such compensation.
7. In case the Company has made compensation in accordance with the provisions of paragraph 2, the Company shall acquire the right to claim damages or the right to restitution of unjust enrichment claims that the customer may have against a person who made fraudulent withdrawals using the stolen password or any other third party, up to the amount of the compensation.

Previous:

Addition of new provision

Current:

Article 21 - Mutatis Mutandis Application of Other Terms and Conditions
Article numbering has changed

Previous:

Article 20 - Mutatis Mutandis Application of Other Terms and Conditions

Current:

Article 22 - Modification of these Terms and Conditions
Article numbering has changed

Previous:

Article 21 - Modification of these Terms and Conditions

Current:

Article 23 - Governing Law and Jurisdiction
Article numbering has changed

Previous:

Article 22- Governing Law and Jurisdiction

Terms And Conditions For Sony Bank Visa Debit Agreement

• Date of revision : 2023/8/31
• Division : Revision

Changes and details

Current:

Article 18 - Compensation for Damage Caused by Card Loss or Theft
3.(1)
(ii) In case the Member's Card or Card Information was used by the Member's family or relatives (whether or not they live together), a person who lives with the Member, a legal representative, a house sitter, or any other person who takes care of the Member or the Member's family upon the Member's request or with the Member's consent, or any other person related to the Member ("Related Person, etc.");

(x) The Visa Debit PIN registered by the Member was used due to willful misconduct or gross negligence on the part of the Member or his/her statutory agent when his/her Card was used, or Authentication information for Personal Authentication Service, pursuant to Article 15.1.1, was used fraudulently;

(xi) In case the Member or Related Persons, etc., are the recipients of goods or services or the recipients of payments for fraudulent use in mail order or other non-face-to-face transactions; or

(xii) In case the details reported by the Member correspond to a dispute with the Merchant pursuant to Article 22.

Previous:

Article 18 - Compensation for Damage Caused by Card Loss or Theft
3.(1)
(ii) The Member's Card or Card Information was used by the Member's spouse, relative within the second degree, relative or other person living with the Member, or household employee;

(x) The Visa Debit PIN registered by the Member was used due to willful misconduct or gross negligence on the part of the Member or his/her statutory agent when his/her Card was used.

(xi), (xii)
Addition of new provision

Current:

Article 18 - Compensation for Damage Caused by Card Loss or Theft
4. Notwithstanding Article 18.2, in case that the Card or the Card Information have been used by another person as a consequence of such loss or theft, the Company acting in good faith and without negligence, and if any of the following applies, the Company may reduce the amount payable as compensation and compensate the Member if any of the following applies.
(1) In case the Visa Debit PIN or the Authentication Information for the Personal Authentication Service pursuant to Article 15.1.1 are used fraudulently by the negligence of the Member or the Member's legal representative;
(2) In case a similar type of damage has occurred repeatedly, such as being victimized by a similar method within one year of the previous damage;
(3) In case of fraudulent card damage caused by fraudulent use of the same methods that the Company has warned the Customer about, despite our individual and specific warnings;
(4) In case the damage is caused by the Member leaving the card or card information in an environment where it is readily theftable by a third party and not under the Customer's control; or
(5) In case the damage is caused by drunkenness or other factors that prevent the member from being able to perform the Customer's normal duties of care.

Previous:

Addition of new provision

Current:

Article 18 - Compensation for Damage Caused by Card Loss or Theft
5. If the Member's Card or Card Information was, or is likely to be, used by a third person due to the Loss or Theft of his/her Card, if the Member demands that the funds erroneously withdrawn from his/her Savings Account due to entry error by a Merchant Establishment be returned or in any other case where the Company so requests, the Member must provide cooperation (including submission of proofs of evidence and answering questions at a fact-finding interview) to the Company in conducting necessary investigation.

6. If returning to the Member the funds that the Company withdrew from the Member's Savings Account in connection with a Purchase Transaction, the Company will do so upon the Member's completion of procedures prescribed by the Company.

Previous:

Article 18 - Compensation for Damage Caused by Card Loss or Theft
4. If the Member's Card or Card Information was, or is likely to be, used by a third person due to the Loss or Theft of his/her Card, if the Member demands that the funds erroneously withdrawn from his/her Savings Account due to entry error by a Merchant Establishment be returned or in any other case where the Company so requests, the Member must provide cooperation (including submission of proofs of evidence and answering questions at a fact-finding interview) to the Company in conducting necessary investigation.

5. If returning to the Member the funds that the Company withdrew from the Member's Savings Account in connection with a Purchase Transaction, the Company will do so upon the Member's completion of procedures prescribed by the Company.

Terms And Conditions For Smartphone Application Software

• Date of revision : 2023/4/25
• Division : Revision

Changes and details

Current ：

Article 9- Obtainment of Information
3.  As set forth in Article 2 (1), the customer using the Sony Bank App shall be deemed to have consented to the use of FraudAlert by Caulis Inc. as described below:
(1) Purpose of using FraudAlert: To investigate and analyze conditions of use and to prevent fraudulent use.
(2) Information to be obtained: usage history, device information (carrier name, keyboard name, language, screen size, fraudulent device detection, battery status and remaining power), and user-installed application information (Caulis Inc. does not obtain personal identity information).
(3) Management of the information obtained by Caulis Inc.: The information obtained by Caulis Inc. will be managed in accordance with its privacy policy (https://caulis.jp/privacy/).

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Added