（TRANSLATION）
（FOR REFERENCE ONLY）
（JAPANESE VERSION PREVAILS）

Terms And Conditions For Smartphone Application Software

These terms and conditions for smartphone application software (these “Terms and Conditions") are stipulated for the use of the application software for smartphones (“App(s)”) that is provided by Sony Bank (“Company”). If other terms are stipulated for individual Apps, those other terms shall take precedence. The Apps can be used only on the smartphones as prescribed by the Company (“Terminal(s)”). Notwithstanding the foregoing, the Apps may not function or operate properly even if they are on Terminals specified by the Company, depending on the specific smartphones being used by the customer or the environment in which they are used.

Article 1 - Use of Apps
  • 1.The Apps are the type of software that is specifically designed for the customer to use the service, when installed on Terminals that can be connected to the Internet and have display functions.
  • 2.Only the customer who has an account with the Company may use the Apps.
  • 3.The Apps can be used only during certain hours that are separately specified by the Company. Notwithstanding the foregoing, there may be cases where the customer is not able to use the Apps even during the hours of use as specified by the Company, due to emergency system maintenance, etc.
  • 4.Once the customer cancels the account with the Company, he/she may no longer use the Apps.
Article 2- Types of Apps
The following are Apps that will be provided by the Company. For the details of the App services, the customer needs to review the information posted at the service website.
  • (1)Sony Bank App
  • (2)Sony Bank WALLET App
Article 3- Consent to Terms and Conditions
The customer shall consent to these Terms and Conditions before registering information for the login process for each App, as specified in Article 4 hereof.
Article 4- How to Use Apps
  • 1.When the customer is using the Apps for the first time, he/she must choose one of the login methods as described below and register the customer’s information for each of the Apps, at the start screen. To register the login method, the customer must go through the identity verification process as prescribed by the Company, which is set forth in Sony Bank General Terms and Conditions.
    • (1)Pattern recognition method
      For this method, the customer must specify a pattern in which five or more points are connected in a certain way (“Set Pattern”) in each of the Apps before using the Apps.
      The customer may use the Apps only if the Company is able to verify that the pattern entered by the customer at the login and the Set Pattern matches.
    • (2)PIN code authentication method
      For this method, the customer must specify a four-digit number (“PIN Code”) in each of the Apps before using the Apps. The customer may use the Apps only if the Company is able to verify that the number entered by the customer at the login and the PIN Code matches.
    • (3)Biometric authentication method
      For this method, the customer must register biometric data in the Terminal to use the Apps. The customer may use the Apps only if the biometric data recognized at the login and the biometric data that has been registered in the Terminal matches.
  • 2.The biometric authentication method as described in paragraph 1, item (3) above may not be available depending on the Terminal or the type of OS that the customer is using.
  • 3.The customer using the Apps may switch to another login method from the initially selected login method at any time.
  • 4.The customer shall choose a login method in each Terminal to which the Apps have been downloaded.
  • 5.If the customer forgets what their Set Pattern or PIN Code is or enters wrong Set Pattern or PIN Code multiple times and gets locked out, or if the Apps does not run properly, the customer must register a login method once again by following the steps as described in paragraph 1 above.
  • 6.If the customer is locked out from the Apps after a biometric data mismatch occurs multiple times, or if the Apps does not run properly, the customer must register a login method once again by following the steps as described in paragraph 1 above.
  • 7.The customer opting to use the PIN Code authentication method must choose a number that is different from the passcode used for his/her cash card.
  • 8.The customer opting to use the PIN Code authentication method must avoid choosing a number that is easy to guess by others, such as the customer’s date of birth, phone number, etc.
  • 9.The customer must on his/her own responsibility strictly manage the Terminal to which the Apps have been installed and maintain appropriate data security to protect against computer viruses, unauthorized access, unintentional data leaks, etc.
  • 10.If the customer intends to stop the use of the Apps, he/she must complete the procedure to delete the Apps by oneself.
Article 5- Prohibition of Transfer, Pledging, etc.
The customer may only use the Apps for himself/herself and shall not assign, pledge, lend, etc. to a third party the customer’s any and all rights based on the Apps.
Article 6- Indemnities
  • 1.If the customer suffers any damage as a result of a malfunction of the Terminal, change of terminal models, factory resetting, turning off of the Terminal, use of the Terminal when out of range, malfunction of any telecommunication equipment, computer, telecommunication line, etc., modification or abolishment of the Apps pursuant to Article 7, paragraph 1 hereof, or delay or unavailability of the service provided through the Apps due to the updating of customer transaction data or the customer trying to use the Apps outside service hours, the Company shall not be liable for compensation.
  • 2.If the customer suffers any damage as a result of a delay or unavailability of service provided through the Apps due to natural disaster, incident, or other event that is not attributable to the Company, or due to measures, etc. enforced by a court or other public organ, or other unavoidable event, the Company shall not be liable for compensation.
  • 3.If the customer suffers any damage due to password or transaction data leak or falsification by way of wiretapping of, or other form of data theft from, any point of the telecommunication route including public telephone lines, closed circuit telephone lines, Internet, etc., the Company shall not be liable for compensation.
  • 4.If the customer suffers any damage due to unauthorized use of the Apps and subsequent data leak caused by theft or unauthorized use of the customer’s Terminal or other accident, the Company shall not be liable for compensation.
  • 5.If the customer suffers any damage due to a delay or unavailability of service provided through the Apps as a result of the customer not downloading the latest version of the Apps to the Terminal, the Company shall not be liable for compensation.
  • 6.If the customer suffers any damage due to a delay or unavailability of service provided through the Apps as a result of the customer using the Terminal that is not prescribed by the Company, the Company shall not be liable for compensation.
Article 7- Modification and Abolition of App Types, Service, etc.
  • 1.The Company reserves the right to modify or abolish the types of Apps and service that is offered (including discontinuation of the Apps altogether) at its sole discretion. For this purpose, the customer may be forced to temporarily stop using the App service for such modification or abolishment.
  • 2.The Company also reserves the right to modify or abolish the service hours during which the Apps can be used, service fees, etc. at its sole discretion.
Article 8- Copyrights, etc.
  • 1.All copyrights and other intellectual property rights pertaining to the Apps are owned by the Company.
  • 2.The customer may not reprint, reproduce, correct, compile, transfer, modify, reverse engineer, or otherwise tamper with any of the App programs or information or data ancillary to the Apps.
Article 9- Obtainment of Information
  • 1.The customer using the Apps shall be deemed to have consented to the privacy policy of the Company that is separately stipulated.
  • 2.The Company will not obtain or store any biometric data of the customer who opts to use the biometric authentication method to login to the Apps.
  • 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. ("Caulis") and to provide with personal information and other information, etc., to Caulis as described by Sony Bank in the following:
    • (1)Purpose of using FraudAlert: To investigate and analyze conditions of use and to detect and prevent fraudulent sign-ins and fraudulent use that may violate laws and/or terms and conditions, etc.
    • (2)Information to be provided: customer name, transaction information (account number, account holder name, account opening date, fund transfer request date, fund transfer amount, remitter name, telephone number, email address, etc.), beneficiary information (beneficiary bank, beneficiary bank code, branch number, beneficiary account number, etc.), fund transfer limit amount, fund transfer fee, usage environment (sign-in date and time, IP address, UA (User Agent), time zone, connected area of the country or region, language setting, OS, and other cookie information (terminal ID))
    • (3)Management of the information provided to Caulis Inc.: The information obtained by Caulis Inc. will be managed in accordance with its privacy policy　(https://caulis.jp/privacy/).
Article 10- Governing Law and Jurisdiction
These Terms and Conditions and all transactions that take place pursuant hereto shall be governed by and construed in accordance with the laws of Japan. If a need arises to file a lawsuit concerning any transaction executed pursuant hereto, it shall be submitted to the exclusive jurisdiction of the Tokyo District Court.
Article 11- Mutatis Mutandis Application of Other Terms and Conditions
To the matters not described in these Terms and Conditions in relation to transactions with the Company, the Company’s other terms and conditions for each transaction shall apply. The Company’s terms and conditions are available on its website.
Article 12- Modification of these Terms and Conditions
  • 1.The Company may modify these Terms and Conditions and other conditions in the event that changes in financial situations or other reasonable grounds are deemed. The Company will provide notification of the modification by posting relevant information on its website or by other appropriate means.
  • 2.The modifications in the preceding paragraph shall be applied from the commencing date of application set forth at the Company's notification, etc.

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