Curfex Japan Inc (hereinafter referred to as “Curfex”) collect and store any personal information you provide to us when you use our fund transfer service. Curfex shall comply with the applicable laws and regulations concerning privacy protection in handling your personal information.
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Curfex Japan Inc (hereinafter referred to as "Curfex") collect and store any personal information you provide to us when you use our fund transfer service. Curfex shall comply with the applicable laws and regulations concerning privacy protection in handling your personal information.
Curfex shall only acquire your personal information through legal means.
Personal information collected from you may be used for the following purposes:
In the event that your personal information is required for any purposes not specified above, Curfex shall proceed only after obtaining your consent.
In addition, Curfex shall use your My Number for the following purposes:
Curfex shall take the necessary measures to appropriately manage the personal information collected to prevent leakage, loss or damage.
Curfex shall not share your personal information with third parties without obtaining your consent, except where such disclosure is in accordance with any applicable laws and regulations such as the Act on Protection of Personal Information or in cooperation with regulators or law enforcement agencies.
You can request for disclosure, correction, addition or deletion, suspension or termination of use (hereinafter collectively referred to as "disclosure, etc."" of your personal information in accordance with procedures specified below. We will disclose such information as soon as practicable except where your identity as the customer could not be verified.
Where you have requested for correction, addition or deletion of incorrect personal information, we shall respond to these requests promptly after review and investigation, except where your identity as the customer could not be verified.
For disclosure, etc., inquiries and complaints in regards to your personal information held by Curfex, please contact us at
Curfex owns the contents and copyright of this Website. Any unauthorised publication of information posted on this Website is prohibited.
Welcome to curfex.com (the 'Website'). The Website provides international money transfer services via the Internet (the ‘Services’).
Curfex Japan, Inc. is a Funds Transfer Services Provider registered with the Prime Minister under the Japan Payment Services Act (Act No. 59 of 24 June 2009, the ‘Payment Services Act’(Registration No: Kanto Local Finance Bureau no. 00059).
Access to and use of the Website, or any of its associated Services, is provided by Curfex Japan, Inc. (together termed 'Curfex'). Please read these terms and conditions (the 'Terms') carefully.
By visiting our Website and/or using our Services, this signifies that you have read, understood and agreed to be bound by the Terms. You also confirm acceptance of the Terms by clicking to accept or agree to the Terms where this option is made available to you by Curfex in the Website. If you do not agree with the Terms, please cease usage of the Website, or any of the Services, immediately. The following additional documents are to be read together with the Terms:
Upon acceptance of the Terms, you also agree to the exchange of information with Curfex by electromagnetic means by way of either email or notification on our Website.
In order to access the Services, you must first register for a customer account through the Website (the 'Account'). You must be at least 18 years old, and a resident of Japan to be eligible.
Upon completion of the account registration procedures, you will be a registered member of the Website ('Member') and agree to be bound by the Terms.
Curfex shall reject the registration of multiple accounts by a single Member as prescribed by our Know Your Customer Policy (‘KYC’). The only exception to the rule is where a Member has both individual and corporate accounts with Curfex and the Member acts as an authorised company representative of the corporate accounts. Each entity, individual or corporate, shall only be entitled to one Account.
Curfex will perform the identity verification prescribed in the Act on Prevention of Transfer of Criminal Proceeds (Act No.22 of 31 March 2007) and other relevant laws and regulations upon your registration for the Account.
You shall submit the identity verification documents as prescribed by Curfex in the manner prescribed by Curfex at this time.
The Member registration procedures shall be completed upon verification of the Member’s identity through
Curfex shall be entitled to access information from various public and private databases in order to verify your identity. Curfex shall also be entitled to refuse your registration of Account at its discretion taking into consideration the information at its disposal.
Curfex will handle the personal information of the Members in accordance with the “Company Regulations Related to Management of User Information” set out by Curfex.
Curfex shall only provide your personal information to third parties when required to do so by law. These third parties may be
As a Member, you agree to comply with the following:
Curfex reserves the right to investigate any suspicious activity or unlawful activity of the Members. If Curfex has proof and/or good reason to believe that there has been a breach or non-compliance to the obligations outlined above, Curfex may proceed to immediately cancel any outstanding Instructions you have and/or suspend your Account from all Services. Curfex shall also be entitled to provide information related to Payments, including Member’s personal information, to regulatory agencies and other such organisations as necessary. Curfex may also withhold customer funds when instructed by regulatory agencies and other such organisations.
Curfex shall not be liable for any damages arising from the Member’s disclosing of their password and/or account login details to a third party.
Curfex assumes no liability in any way for any loss suffered by the Members as a result of Payments executed in accordance with the Instruction of the Member.
8.1. Our Services Outlined
A payment service agreement shall be established between Curfex and the Member upon Curfex’s receipt of the cleared funds required for the transfer (the ‘Transfer Amount’) and the fees charged by Curfex for fulfilling this Service (the ‘Service Fees’).
In the event where Curfex has outsourced operations involved in the performance of Services to third parties, the payment service agreement shall remain in effect between Curfex and the Member and shall not affect the rights and obligations of Curfex and the Member.
8.2. Using Our Services
The Member shall specify either the Transfer Amount or the amount receivable by Payee (the ‘Receivable Amount’) and submit an Instruction to Curfex by one of the following methods:
Curfex shall use a set exchange rate, where applicable when calculating the Transfer Amount or the Receivable Amount. This exchange rate shall be the mid-market rate published by currencylayer or xe.com, calculated at the time when the Instruction is received by Curfex. However, the method of determining the exchange rate may differ depending on the country and currency. Upon receipt of the Instruction, we shall provide you with a Quote with the Transfer Amount and the corresponding Receivable Amount, or vice versa, the exchange rate used, estimated Payment time required and the Services Fees. The exchange rate offered in the Quote shall be valid for 24 hours.
After submitting the Instruction, the Member shall transfer the Transfer Amount and Services Fees (as provided in the Quote) to the bank account designated by Curfex.
We will proceed with the Payment upon receipt of the funds for the Transfer Amount and Service Fees (‘Cleared Funds’) from the Member.
Within two (2) business days of Payment, a Transfer Complete will be sent to your email and made available on your Account on the Website. This is for your record keeping purposes and concludes the Services for the Instructions provided. Such Transfer Complete confirmation by us is made on a best effort basis. Shall there be any discrepancies, Curfex shall not be held liable in any means.
8.3. Notes about Our Services
Any updates will be sent to your email and will also be made available in your Account on the Website.
The standard performance period up until receipt of the Receivable Amount in the Payee's account depends on the country that the Payee's bank is located, generally, the completion date will be the next banking business day (except where deposits of funds are received by the Company after 15:00). However, the completion date might be delayed if additional documents and/or information are required from the Members. The standard performance period shall be displayed on the screen when an Instruction is made and as well as in the Quote.
Fees charged by Curfex to fulfill the Payment (the 'Services Fee') shall be borne by you and made available to us with the Transfer Amount. The actual Services Fee amount will be displayed on the screen when an Instruction is made and provided to you in the Quote.
You acknowledge and agree that where Services Fee is returned or denied, for whatever reason, by your financial institution or is unpaid by you for any other reason, then you are liable for any costs, including banking fees and charges, associated with the Services Fee. We also reserve the rights to refuse Payment until receipt of Services Fees.
In the event where you are making payment to certain corporates that have a standing agreement with Curfex (‘Merchants’), your Services Fees may be waived. The Services Fees applicable to you, will be displayed in your Transfer Complete.
You agree and acknowledge that Curfex can change the Services Fee at any time.
Members will be able to access and review the status of any outstanding Instructions and the transaction history with Curfex by logging into your Account on the Website.
In the event that the Members submit an Instruction and a payment service agreement is established under the provisions of Article 8.1, the Company will issue a Quote to the User detailing the contents of the remittance request and the remittance amount, etc.
Upon completion of Payment, Members will receive a receipt (‘Transfer Complete’) detailing the contents of the remittance request and the remittance amount, etc.
Members shall agree in advance that Curfex may provide the Quote and Transfer Complete to the Members in an electronic form such as an email and/or a display on the Website.
There shall also be an administration fee charged for refunds (the ‘Refund Fee’) up to JPY 300 in any of the following circumstances. Curfex shall deduct this Refund Fee and our Services Fee from the amount of Cleared Funds received by Curfex from the Member. The balance of which shall be refunded to a bank account in the Member’s name of their choosing (refunds to third party accounts are not possible).
We will only provide you with a refund of the Services Fee in the event we are unable to continue to provide the Services or at our absolute discretion, that it is reasonable to do so under the circumstances. We also reserve the right to pass on any foreign exchange rates losses to the Member (where applicable) and this cost will be deducted from the amount of Cleared Funds.
Curfex may outsource operations involved in the performance of the Services to third parties as it deems necessary.
Circumstances may arise that necessitate the exchange of information in writing between the Curfex and the Members. For this reason, the Members shall, upon agreeing to these Terms, agree to the exchange of information with the Curfex by electromagnetic means by the way of e-mail, phone call or notification on the Website. Curfex may also send you post mail, as required.
Our acceptance of you as a Member is at our sole discretion and we reserve the rights to decline opening a customer account for you without having to specify a reason.
Nothing in the Terms limits or excludes any guarantees, warranties, representations or conditions implied or imposed by law, which by law may not be limited or excluded.
Subject to this clause, and to the extent permitted by law:
Use of the Website and the Services is at your own risk. Everything on the Website and the Services is provided to you "as is" and "as available" without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors and licensors of Curfex make any express or implied representation or warranty about the Services or any products or Services (including the products or Services of Curfex) referred to on the Website. This includes (but is not restricted to) loss or damage you might suffer as a result of any of the following:
Curfex shall be entitled to suspend or interrupt provision of Services without prior notice if it deems so necessary in order to carry out system maintenance or as a result of faults in communication lines, means of communication and computers, etc. Curfex assumes no liability for any loss suffered by Members as a result of its suspension or interruption of the provision of Services.
Curfex assumes no liability for any loss suffered by the Members based on its refusal to provide the Services pursuant to the provisions set forth in Article 21.
Curfex's total liability arising out of or in connection with the Services or these Terms, however arising, including under contract, tort (including negligence), in equity, under statute or otherwise, will not exceed the resupply of the Services to you.
The Members shall use the Services with the understanding of the following:
If you have any requests for disclosure, complaints, or consultations related to Curfex, please contact our Customer Consultation Desk at:
|Address:||4th floor, Otemachi Building, 1-6-1 Otemachi, Chiyoda-ku, Tokyo|
|Business hours:||09:00 - 18:00 (excluding weekends and public holidays)|
We strive to respond to all inquiries by the next business day. Please note that the response may be delayed depending on the nature of your inquiry.
Curfex will respond sincerely to any complaint or inquiry (‘Complaint’) relating to our Services.
Dispute Resolution Support Organisation
In the event of any dispute with us relating to Curfex Services, you may contact the following:
The Member represents to Curfex that you do not fall under an organised crime group, a member of an organised crime group (including those of not more than 5 years), a quasi-member of an organised crime group, a company affiliated with an organised crime group, a corporate extortionist (Sokaiya), social movement advocates (Shakaiundo Hyobogoro) or Special Intelligence Violent Groups (Tokushuchino Boryokushudan) or equivalent thereto (all known as ‘Anti-Social Forces’) and warrants that the member will not be involved with the Anti-Social Forces in the future such as
The Member commits not to engage in or cause a third party to engage in any of the following
Curfex may, without prior notice, suspend or terminate your Account and refuse to provide the Services to Members if it has proof and/or good reason to believe that any of the following has occurred:
The contract period for Members is 1 year. At expiration of the contract, the contract shall be renewed automatically for another year, unless the customer requests to terminate the contract.
Members can request for the termination of contract by reaching out to us through the contact information listed in Article 18. There will be no termination fees charged.
Curfex reserves the right to review and change any of the Terms by updating this page at its sole discretion. Curfex may also suspend use of the Services in whole or in part to facilitate the said change or abolition.
Curfex assumes no liability for any loss arising from any change to the contents or abolition of these Terms and the Services or suspension of the provision of the Services due to this change or abolition.
When Curfex updates the Terms, it will use reasonable endeavours to provide you with notice of updates to the Terms. Any changes to the Terms take immediate effect from the date of their publication. Before you continue, we recommend you keep a copy of the Terms for your records.
These Terms or the explicitly cited provisions constitute the contents of the agreement between Curfex and the Member in its entirety and take precedence over any prior written or oral agreements between the parties.
The Website, the Services and all the related products are owned or controlled and reserved by Curfex.
All trademarks, service marks and trade names are owned, registered and/or licensed by Curfex, who grants to you a worldwide, non-exclusive, royalty-free, revocable license whilst you are a Member to:
Curfex does not grant you any other rights whatsoever in relation to the Website or the Services. All other rights are expressly reserved by Curfex.
Curfex retains all rights, title and interest in and to the Website and all related Services. Nothing you do on or in relation to the Website will transfer to you any:
You may not, without the prior written permission of Curfex and the permission of any other relevant rights owners: broadcast, republish, upload to a third party, transmit, post, distribute, show or play in public, adapt or change in any way the Services or third party Services for any purpose, unless otherwise provided by these Terms. This prohibition does not extend to materials on the Website which are freely available for re-use or are in the public domain.
Any dispute arising out of or in connection with the Terms shall be resolved by the Parties through mutual good faith consultation, failing which the same shall be referred and governed by the jurisdiction of Japan. The Tokyo District Court shall have the exclusive jurisdiction to hear any litigation between Parties at the first instance.
If any part of these Terms is found to be unenforceable by a Court of law, that part will be enforced to the maximum extent permissible under the applicable law. The remainder of the Terms shall remain in full force and effect.