• DSK Transfers through the Western Union® Money TransferSM services are provided by Densan System Co., Ltd. ("DSK"). You are able to make money transfer transactions via the convenience stores' terminal equipment, which are installed by DSK affiliates or parties contracted to DSK. In addition to it, you are able to make money transfer transactions via personal computers as well as from mobile phone with Internet access. Whichever channel you use to initiate money transfer transaction, please make a payment at a cashier of any designated convenience store to fund the transaction and pay the transfer fee. DSK suggest that follow guidance set out in the User Guide.
• Once you have completed a user registration and received a notification, DSK Transfers are available to you continuously without setting a solid expiration date. However, DSK may at any time terminate your registration and therefore the provision of DSK Transfers to you. You may also cancel your registration of DSK Transfers anytime with notice to DSK. There is not any cancellation fee. When you apply for a cancellation, please notify DSK..
• In registration, you are required to declare your personal information as the sender, the receiver's personal information, relationship between the sender and the receiver, the purpose of remittance, planned frequency, planned principal amount to be sent, etc. Do not falsify the declared information. You are required to notify DSK immediately of a change of the information provided in this registration form by using the prescribed format. Upon the completion of your registration, valid Residence Card holders are automatically given a privilege to use this service for 5 years from the date your contract with the company is activated. After the expiration of this contract, your registration will be automatically terminated.
  Users who wish to continue or renew the contract with DSK, you will be asked to submit necessary documents which include re-submission of a new application form, and a copy of your renewed Residence Card.
• User identification ("ID") and password ("Password") will be provided to you to access the DSK Transfers system on verification of your registration by DSK. Please take good care of ID and Password. You should not disclose your ID and Password to any person. In case someone other than yourself makes money transfer by using your ID and Password, DSK accepts no liability for such transfer.
• IN NO EVENT SHALL DSK AND ANY THIRD PARTIES ASSISTING DSK IN PROVIDION OF DSK TRANSFERS (INCLUDING WESTERN UNION) OR ANY OF ITS AGENTS BE LIABLE IF YOU COMMUNICATE TRANSACTIONAL DATA TO ANY PERSON OTHER THAN YOUR RECEIVER. YOUR TRANSACTION DATA IS CONFIDENTIAL AND SHOULD NOT BE SHARED WITH ANY PERSON OTHER THAN YOUR RECEIVER.
• DSK Transfers set a certain limit of principal amount per transaction as well as a certain limits of accumulated principal amounts per month and per year. DSK Transfers exceeding these pre-defined and notified transaction limits will be rejected.
• DSK Transfers provide sending services from Japan to Overseas only. Receiving services from Overseas to Japan are not provided. When you cancel a transaction and if it has not been paid out Overseas, DSK will refund the principal amount sent to your pre-registered bank account or by registered postal cash envelope. The transfer fee will not be refunded. You shall be responsible for all associated refund charges.
• The foreign exchange rates to be applied to DSK Transfers are determined by Western Union by adding certain spreads to the foreign exchange rates announced by Bloomberg. Those rates are updated 3 times a day, and the latest rate is applied to each transaction. The spreads of the foreign exchange rates vary depending on the destination country and territory, but the maximum is approximately 4%. Also, the transfer fees to be applied to DSK Transfers are determined in accordance with the transfer fee table published on the website of DSK Transfer. The spreads applied foreign exchange rates and the transfer fees may change from time to time.
• You agree that DSK may collect, process, use, and disclose your personal information to any third parties assisting DSK in provision of DSK Transfers for them to process and use. The information is used primarily by DSK and such third parties to complete your DSK Transfers and administer your registration and participation. Without this information, your DSK Transfers and registration / participation may not be completed. The information disclosed may include information describing your transactions with DSK; identification information, such as the name, telephone number, date of birth, arc number, address and other information about you and your recipients. You agree that DSK and such third parties may also disclose your personal information to Japanese and foreign regulatory or law enforcement agencies where DSK and such third parties are authorized or compelled by law. Further, you agree that DSK may transfer your information to Western Union for Western Union to use such information to contact you about other products and services associated with Western Union.
• complaints and/or inquiries regarding your DSK Transfer registration, please make contact with the following Customer Service Center.

  Contact from Japan

  Phone: (Toll Free) 0120-3630-44 (9:00 – 22:00,everyday)
  Address: 1-58, Hikie, Gifu-shi, Gifu
  DSK International MT Support Center

Use Western Union Money Transfer services ("TRANSFERS") through the DSK Transfers system is governed by the Western Union service terms and conditions. We would also ask you to take note of the following points.

Transfers are not foreign exchange services provided by a bank, etc.

• Transfers do not involve any acceptance of deposits, savings or installment savings, etc.
• Transfers are not subject to any insurance payments under Article 53 of the Deposit Insurance Act or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Act.
• For the benefit of customers, all of Western Union's performance security deposit is covered by a performance security deposit preservation contract with the Royal Bank of Scotland.
• Based on Article 59 of the Act Concerning Settlement of Funds, until the time when the fund has been received by the receiver, customers have a right to receive refund by following the procedures to exercise the right to receive a performance security deposit.
• In accordance with the duty of confirmation prescribed in Article 17 of the Foreign Exchange and Foreign Trade Control Law, Western Union asks senders about the purposes of all transactions and to confirm that no transaction contributes to any activity which may be involved in nuclear related projects, etc., which are restricted by "Payment Restriction regarding Trade" for North Korea and "Restriction on Funds Usage" for North Korea and Iran.
• Please protect yourself from International Money Transfer Fraud with self-responsibility. In order to prevent International Money Transfer Fraud, please be careful about the following points when you send money. Are you acquainted with the receiver? Do NOT send money to people you do not personally know. Do NOT send money for Internet shopping payments or for advanced payment for services. When you receive a money transfer request, please call the requester directly to confirm the request details before sending money. You may become a victim of fraud if you send money upon e-mail request without verifying the requestor's identity. When you inform the receiver of the MTCN (Money Transfer Control Number), please communicate it directly to the receiver by means of a secure channel such as telephone. When you think you have encountered an International Money Transfer Fraud, please report it to the police immediately.