service: name: PayPay
sector: Finance
date: 10.11.2021
document: text: PayPay Terms of Use of Service
Part 1 General Guidelines
The general guidelines apply to all persons who utilise the services of PayPay Corporation
(hereinafter referred to as “Our Company”).
Chapter 1 General Provisions
1. Utilisation of Our Company’s Services
A person may use Our Company’s services by giving its consent to these Terms of Use.
2. Warranties, Changes and Subcontracting
Relating to Services
Our Company disclaims any warranty that the contents of services provided by Our Company is free
of any defects and bugs.
Further, Our Company may, without giving any prior notice to the users, change contents or
specifications of services, or suspend or discontinue the provision thereof.
Our Company may subcontract all or part of the services provided by Our Company to any third
party (including those located in foreign countries); provided, however, that it will be subject to the
conditions that such third party is bound by the same confidential obligations which Our Company
has hereunder and implements appropriate measures to protect the Personal Information.
3. Restriction of Utilisation of Services
Our Company may make a condition on utilisation of services, such as limiting the range of persons
who may utilise the services: to the persons who have registered the PayPay account (meaning an
account for the services which Our Company provides; hereinafter referred to as the “Account”), to
the persons certain years of age and older, or to the users who meet a certain requirement by
passing the procedure prescribed by Our Company such as an identity verification.
Further, Our Company prohibits members of anti-social force (including any person who was such
member at any point in its past) and their affiliates, persons who are likely to launder money or
otherwise abuse services, or users who bring troubles on third parties from utilising services.
4. Registered Information of the Account
It is the user’s obligation in the case of registering or changing the Account that (1) registering true
and accurate information, and (2) correcting the registered items by the user itself as necessary so
as to be updated. If the registered items do not reflect the latest information, Our Company’s

services may not be available to use.
Our Company may carry out customer’s identity verification and authentication by using an
electronic signature certificate stored in My Number card. In such a case, Our Company uses
certification business information (meaning the certification business information stipulated in
Article 44 of the Act on the Authentication Services of the Japan Agency for Local Authority
Information Systems in Connection with Electronic Signatures and Electronic User Certificates (Act
No. 153 of 2002)) provided by the Japan Agency for Local Authority Information Systems
(hereinafter referred to as “J-LIS” in order to check validity of an electronic signature certificate.
Further, in the case of identity verification and authentication using an electronic signature
certificate stored in My Number card, Our Company may check whether the registered items are the
latest by using an electronic signature certificate stored in My Number card and issue number of
the correspondent certificate (i.e. serial number of an electronic certificate for user identification)
obtained from J-LIS.
5. Users’ Responsibility Relating to the Account,
Password, etc.
With respect to any login via any authentication method for specifying the users which are
publicised on Our Company’s website or application (including, but not limited to, any authentication
by confirmation of its correspondence between the registered information and, the combination of
the Account and password or the code uniquely given to each mobile phone number sent by a
mobile phone carrier), Our Company deems it the utilisation by such user itself. If any fee or charge
(regardless of its name such as charge, fee, expenses or others with respect to the utilisation of Our
Company’s services, and including user’s debt which any third party has outsourced its collection to
Our Company; hereinafter referred to as the “Charge”) arises from utilisation of services, purchase
of products, etc., Our Company will claim it to such user.
6. Compliance Rules on Utilising Services
Users are prohibited from doing any of the following acts (including any act provoking it or
preparing for it) with respect to utilisation of Our Company’s services.
Any act which violates the laws and regulations of Japan or any country or region where the
user is located at the time of utilisation.
Any act of posting, publishing, disclosing, providing or transmitting (hereinafter collectively
referred to as “posting etc.”) of something which: violates the laws and regulations, societal
norms or public policy; infringes any rights of Our Company or a third party; brings any trouble
on a third party; or is otherwise inappropriate, such as the following acts etc.
Act of posting etc. of false information intentionally.
Act of posting etc. of same comments intentionally at many times.
Act of posting etc. of enquiries or complaints relating to Our Company’s services, function of
such services, and accuracy of information provided by such services.

Act of posting etc. of something containing any information by which an individual can be
identified such as a photo of principal, name of a third party, email address, address, phone
number or person under recognisable condition, etc. (including, but not limited to, the cases
that it is used in a name of the poster or contents of the post).
Act of posting etc. of something containing any advertisement, commercial message or
marketing, public offices election campaign, proselytising of certain thought or religion, or
similar contents.
Act of posting etc. of something containing contents that grossly provokes or foments
unruliness, brutality or crime on children or youths, and interferes with their healthy
development.
Posting, etc. any indecent information, information harmful for youths, or information relating
to arranging sexual association with others;
Act of posting etc. of something in which any oppressiveness or threat against any third
party is found.
Act of posting etc. of something containing any discriminatory expression.
Act of posting etc. of something containing any contents which is or may be against a
subject or purpose of Our Company’s services.
Act of posting etc. of something containing any garbled or grotesque contents.
Act of posting etc. of something containing any contents which intentionally leads someone
to misunderstand that products or services are superior such as an act of ‘decoy’ etc. 
Act of posting etc. of something containing any contents which defames competing products
or services for the purpose of destruction of its confidence.
Act of posting etc. of program etc. which destroys or obstructs functions of software,
hardware, etc. under other user’s use.
Otherwise, act of posting etc. of something which Our Company determines that is
inappropriate contents or expression for Our Company’s services.
Any act which destroys or obstructs functions of Our Company’s server or network.
Any act of unduly accessing to Our Company’s computer such as a server etc., or sending a
spam email, chain letter, junk email, etc.
Any act of collecting or storing other user’s Personal Information, Personal Data (as defined in
the Privacy Policy prescribed by Our Company), etc. without such user’s permission.
Any act of utilising services for any purpose other than the intrinsic purpose of provision of
services in the light of intention of provision such as money laundering, cashing purpose, etc.
Any act of utilising services using other user’s Account.
Any act of, regardless of its means, acquiring password from any third party, or disclosing or
providing password to any third party.

7. Prohibition of Reuse of Our Company’s Services
Etc.
In the event that a user utilises Our Company’s services or any data which consists them beyond
purpose of provision of services, Our Company shall have a right to preclude such acts and demand
the amount equivalent to the benefit which such user has acquired.
8. Compensation to Our Company
In the event that Our Company has borne any cost or paid any compensation in connection with the
complaint caused by a user’s act, such user shall bear the cost, compensation, etc. which Our
Company has paid (including attorney fees which Our Company has paid).
9. Handling of User’s Data and Contents
Our Company shall not have the obligation to make backups of the data which users have saved to
servers managed by Our Company, and each user must make backups by itself.
Any act of, relating to Our Company’s services, directly or indirectly providing benefit to anti-
social force. 
Any act of which purpose is fraud. 
Any act of utilising Our Company’s services by any process other than the process which Our
Company has approved. 
Any act of modifying Our Company’s services without permission.
Any act of: discriminating or defaming Our Company or any third party; impairing honour,
privacy, etc.; or having a risk thereof.
Any act which obstructs Our Company’s services or advertisement distributed by Our Company,
or any services or advertisement provided on Our Company’s website and Our Company’s
application.
Any act which infringes or may infringe portrait right, copyright, trademark right or other
intellectual property right of Our Company or any third party, or any act of impersonating Our
Company or any third party.
Any act which relates to criminal act.
Any act which is likely to impair reputation of Our Company, Our Company’s affiliated company
or Our Company’s alliance partner.
Any other act which violates or may violate the laws and regulations, public policy or these
Terms of Use.

Our Company shall not have the obligation to make backups of the data which users have saved to
servers managed by Our Company, and each user must make backups by itself. In the case it is
necessary for maintenance, improvement, etc. of Our Company’s services, Our Company may
duplicate the data which users have saved in the servers managed by Our Company to the extent
necessary for maintenance, improvement, etc. services.
With respect to any contents which a user has made posting etc. on any service to which
unspecified or large number of users can access such as electric bulletin board systems, copyright
thereof will belong to such user or copyright holders of such contents.
With respect to any contents which a user has made posting etc. on Our Company’s services,
copyright thereof will belong to such user, and such user must warrant that such contents are such
user’s own creation and they are not involved with any third party’s copyright or other rights;
provided, that in the cases that it is exceptionally necessary so such contents contain a third party’s
copyrighted material etc., it must be assumed and warranted that such user processes necessary
rights-handling with its own responsibility and at its own expense.
A user is deemed to grant Our Company a non-compensatory and non-exclusive right of utilisation
(including duplicating, screening, publicly transmitting, exhibiting, distributing, transferring, lending,
translating, adapting and publishing) of the contents which such user has made posting etc., inside
or outside of Japan with no time limit (including right to sublicense).
Further, such users shall not exercise a moral right of author.
10. Posting of Advertisement
Our Company may post advertisements of Our Company or any third party who has requested Our
Company to post it, on the services or software which Our Company provides.
11. Deletion of Posting Etc., Cease of Utilisation of
Services, Deletion of the Account
Our Company may, in order to properly operate the services which it provides, in the event that it
falls into any of the following items, implement measures such as deleting any data or contents,
denying utilisation of all or part of Our Company’s services, deleting any user’s Account, or any
other measures which Our Company reasonably determines it is necessary and appropriate, without
any prior notice. 
Our Company may perform identity verification which Our Company determines it is necessary to
confirm that a user does not fall into any of the following items, and implement measures such as
denial of access to all or part of services, cease of utilisation, etc. until completion of such identity
verification. 
Further, if any user’s Account is deleted, PayPay Balance, usage history and any and all other rights
and information of such user recorded in such Account will be erased.
In the event that such user violates these Terms of Use or any other matters stipulated in any
terms applied to such user, or Our Company determines that there is a suspicion thereof.
In the event that delay payment has occurred with respect to any Charge which should be paid
to Our Company.

12. Disclaimers
(A) Usefulness, adequateness, completeness, accuracy, safety, lawfulness, newness, etc. of all
information provided via Our Company’s services (including any and all information etc.
existing in a linked website managed and operated by any third party which is displayed on
Our Company’s services as Our Company’s services, the same applies hereinafter). 
(B) Any and all matters relating to negotiation or reservation, or offer or execution of contracts
by users with any third parties, etc. using information provided via Our Company’s services.
(C) Our Company’s services, and products, services, information, etc. which can be acquired via
Our Company’s services are suitable for a user’s request or expectations.
(D) Any failure, error or interference will not occur on provision of Our Company’s services.
In the event that utilisation of credit cards or bank accounts designated as settlement method
for the Charge in PayPay Wallet (meaning the service which Our Company provides and by
which users can register and manage their payment method, the same applies hereinafter) is
suspended.
In the event that Our Company determines that the creditworthiness of such user has
worsened, such as the cases that petition to bankruptcy or civil rehabilitation is made against
such user, such user made any of them by itself, etc.
In the event that the Account has been registered or used by any anti-social force, its members
or affiliates, or in the event that Our Company determines that there is a suspicion thereof.
In the case of the passage of ten (10) years commencing on the date on which the latest
change has occurred on a user’s PayPay Balance (meaning what stipulated in these Terms of
Use, Part 2, Chapter 1, Article 1, item 13); provided, however, that if such user’s Account will be
deleted for this cause, Our Company will give a notice to such user in advance.
In the event that such user passed away.
In the event that such user utilises more than two Accounts in order to unduly acquire the
benefit given by a campaign etc.
In the event that Our Company’s service is utilised for any wrongdoing such as money
laundering etc., or in the event that Our Company determines that there is a suspicion thereof.
When true and accurate information is not registered, such as when the account registration
information is not the latest information
In the event that Our Company determines that it is difficult to sustain the contract between
Our Company and such user, such as the case that a trust relationship between such user has
lost, etc.
Our Company disclaims any warranty on the following items. A user must, when it utilises Our
Company’s services, evaluate by itself a usefulness etc. of the information or services provided
via Our Company’s services, and utilise it on its own responsibility.

(E) Any of email, web contents, etc. which is sent relating to Our Company’s services does not
contain any harmful materials such as computer virus, etc.
(A) Any damage which a user suffered due to any act conducted via Our Company’s services
such as downloading of contents provided by any third party, and accessing to linked
website which any third party manages and operates, etc.
(B) Any damage which a user suffered due to any wrongdoings such as an unauthorised
modification to Our Company’s services, unauthorised access to any data relating to Our
Company’s services, mixture of computer virus, etc. although Our Company has
implemented adequate security measures
(C) Any damage caused by suspension, delay, discontinue, loss of data, etc. of Our Company’s
server or system or Our Company’s services due to: force majeure such as natural disaster,
fire, power failure , etc.; system maintenance; or failure, etc. of communication line or
computer
(D) Any damage caused by a trouble arose between a user and a third party on utilising services.
12A. Mini-Application Provided by Merchant
Stores
Users may additionally utilise the applications (hereinafter referred to as the “Mini-Application”)
developed by any third party developer (hereinafter referred to as the “Mini-Application Merchant
Store”) on PayPay application. The Mini-Application will be directly provided to users by the Mini-
Application Merchant Store with its name and on its own responsibility, and users will utilise it under
the contract directly executed with such Mini-Application Merchant Store. Our Company never
makes any warranty and assumes any responsibility on quality, trustworthiness, adequateness, etc.
of the Mini-Application. Users must check terms of use of the Mini-Application prescribed by the
Our Company shall never assumes any and all liability for any and all damage caused from a
user’s utilisation of Our Company’s services (including, but not limited to, provision of
information by Our Company or any third party, etc. relating to these) or unavailability of
utilisation (including, but not limited to, any damage stipulated in each item of this paragraph
and any and all disadvantage including any damage, emotional distress or other monetary loss
which users or third parties suffered in accordance with preceding paragraph), except for Our
Company’s willful misconduct or gross negligence.
In the event that the contracts for utilisation of Our Company’s services subject to these Terms
of Use with users fall into the consumer contract stipulated in the Consumer Contract Act, the
disclaimer in above (2) does not apply; in such a case, Our Company assumes liability to
compensate damage within the damages ordinarily incurred from it and up to the amount of
the Charge in the case of paid services (or, in the case of continuing services, equivalent to the
amount for one (1) month), except for the cases that it is caused by Our Company’s willful
misconduct or gross negligence.
With respect to any contents which a user has made posting etc., Our Company does not have
any responsibility to always monitor such contents or delete certain posted contents.

Mini-Application Merchant Store, and utilise it on users’ own responsibility. In the event that any
problem relating to user’s utilisation of the Mini-Application occurs, such user must resolve it
between such user and the Mini-Application Merchant Store based on the terms of use of the Mini-
Application prescribed by the Mini-Application Merchant Store.
Further, Our Company may review contents of the Mini-Application provided by the Mini-Application
Merchant Store in order to check whether it complies with the policies prescribed by Our Company
or applicable laws and regulations, as needed; provided, that Our Company does not have any
obligation to do so.
Our Company reserves a right to delete or discontinue the Mini-Application which is available on
PayPay application pursuant to these Terms of Use at Our Company’s discretion without giving any
notice to users.
13. Conditions of Use for Individual Services
Some specific services of Our Company may have conditions of use specific to such service
together with general guidelines.
In the event that general guidelines stipulated in these Terms of Use, Part 1 and the conditions of
use specific to each service including conditions of use for individual services stipulated in these
Terms of Use, Part 2 differ, the conditions of use specific to such service will prevail over the general
guidelines with respect to such services as long as it has no special provision.
14. Revision on Terms of Use
Our Company may, if it determines that it is necessary, revise these Terms of Use at any time
without giving any prior notice to users; provided, that if it materially affects the active users, Our
Company will take a reasonable prior notice period in advance.
15. Notice or Contact
If a user desires to contact Our Company, such user must contact via an enquiries page which Our
Company prepared, or by calling to the phone number or sending email to the email address which
Our Company specifies.
16. No Assignment of Rights and Obligations, Etc.
A user shall not, with respect to all contracts based on these Terms of Use, assign its contractual
position and all or part of rights and obligations arose from these to any third party, without Our
Company’s prior written approval.
17. Governing Law, Jurisdiction
These Terms of Use are governed by the laws of Japan with respect to its execution, validity and
construction. 

The Tokyo District Court has exclusive jurisdiction for the first-instance over any dispute that arises
between Our Company and users caused by or in connection with Our Company’s services
(including posted contents and advertisements) or software.
Limitation of Application of Terms of Use
In the event that any provision in these Terms of Use goes against the related laws and regulations
which apply to contracts with users based on these Terms of Use, such provision will not apply to
such contract with users only to such extent; provided, in such a case, it will not affect the validity of
other provisions in these Terms of Use.
Established October 1, 2018
Revised July 29, 2019
Revised September 30, 2019
Revised November 28, 2019
Revised April 15, 2020
Revised on July 15, 2020
Revised on October 28, 2020
Revised on February 15, 2021
Revised March 31, 2021
Revised on November 10, 2021 (released on October 27, 2021)