Terms of service


This agreement stipulates the handling when the customer uses the "Acrosschat" application (hereinafter "this application ") provided by Kojoho Bank, LLC (hereinafter "our company"). Please use this application after agreeing to this agreement.


Article 1 (Definition)

 The definitions of terms used in this agreement are as follows.

(1) This application

Apps operated by our company and related apps

(2) This site

Website where the contents of this application are posted

(3) This content

Generic term for characters, sounds, still images, videos, software programs, codes, etc. provided on this application (including posted information)

(4) User

Everyone who uses this application

(5) Registered users

Those who have completed user registration for this site

(6) ID

Character string unique to the registered user for the use of this application

(7) Password

Encryption uniquely set by the registered user corresponding to the ID

(8) Post

Acts of registered users posting sentences, character strings, images, comments, etc.

(9) Posted information

A general term for information such as sentences, character strings, images, comments, etc. posted by registered users by posting, etc.

(10) Personal information

A general term for personally identifiable information such as address, name, occupation, and telephone number.

(11) Registration information

A general term for information registered by registered users on this site (excluding posted information)

(12) Intellectual property

Invention, devised, new varieties of plants, design, is what (the discovery that produced by the creative activity of copyrighted material other human or natural law elucidation has been made or a phenomenon, there is the availability of the industry including things ), trademarks, trade names on other useful goods or services intended to display and trade secrets other business activities of the used in business activity technology or the information on the business

(13) Intellectual property rights

Patent rights, utility model rights, breeder's rights, design rights, copyrights, defined rights by the laws and regulations in relation to trademark rights or other intellectual property or rights pertaining to income to be protected on the law


Article 2 (Agreement to this agreement)

1 The user shall be able to use this application after agreeing to these terms of use.

2 When the user downloads this application to a smartphone or other information terminal and performs the Sign up procedure, a usage contract in accordance with the provisions of this agreement shall be established between the user and the Company. I will.

3 If the user is a minor, please use this application after obtaining the consent of the parent or legal representative.

4 In order to make a minor user believe that he / she is a person with other ability to act when he / she uses this application by pretending that he / she has consent without the consent of a legal representative or by pretending that he / she is an adult. If you use fraud, you cannot revoke any legal acts related to this application.

5 If a user who was a minor at the time of signing up to this application uses this application after reaching the age of majority, the user is deemed to have confirmed all legal acts related to this application.


Article 3 (Change of Terms)

1 Company, a user without obtaining the consent of, at any time, it is assumed that it is possible to revise the contents of this Agreement, the user is this objection without you shall consent. 

2. When we revise this agreement, we will notify the user of the contents by the method prescribed by us. 

3. The revision of the previous agreement shall take effect from the time when the Company gives notice pursuant to the preceding paragraph.

4 The user is deemed to have agreed to the changed Terms of Use without any objection when using this application after changing these Terms of Use.


Article 4 (Account Management)

1 The user shall voluntarily register and manage the information registered at the time of use (hereinafter referred to as "registration information", including e-mail address, ID, password, etc.) at his / her own risk. The user is, which was available to a third party, or lend, transfer, transfer of ownership, buying and selling and shall not be.

2 When the application is used by the registration information, the Company can treat it as the one used by the person who registered the use, and for the result caused by the use and all the responsibilities associated with it, the use registration It shall belong to the person who went.

3 The user shall not be liable for any loss incurred due to unauthorized use of registered information. In addition, if this causes damage to the Company or a third party, the Company and the third party shall be compensated for the damage.

4 The management of registration information shall be carried out at the user's own risk, and the Company shall not be liable for any disadvantage or damage suffered by the user due to the registration information being inaccurate or false. Suppose.

5 registration information If you that you have been used to being stolen or a third party is found, the user with immediately notify the Company, and shall be in accordance with the instructions from the Company.


Article 5 (Handling of personal information, etc.)

Personal information and user information will be handled appropriately in accordance with the "Acrosschat Privacy Policy" separately established by the Company.


Article 6 (Prohibited acts) 

When using this application, the Company prohibits the following acts from the user (hereinafter referred to as "user"). If the Company finds that the user has violated the prohibited matters, it shall be possible to take measures that the Company deems necessary, such as suspension of use and deletion of posts, and the user shall agree without objection.

(1) Acts that infringe the intellectual property rights of the Company or a third party

(2) Acts that damage the honor or credibility of the Company or a third party, or unfairly discriminate or slander

(3) Acts that infringe or may infringe the property of the Company or a third party

(4) Acts that cause financial damage to the Company or a third party

(5) Threatening acts against the Company or a third party

(6) The user should post the following information

① Information that may damage the rights and property of a third party

②Information that is harmful to third parties and information that physically or psychologically hurt third parties

③ Information that belongs to crimes, torts, and dangerous acts, and information that induces or assists them.

④ Information that is intended to cause illegal, harmful, intimidation, abuse, racism, slander, defamation, insult, harassment, sedition, or discomfort, or that may cause such consequences.

⑤ Information that is contrary to the facts or is known to not exist

⑥ Information for which the user does not have the right to control

⑦ Information that infringes intellectual property rights including copyrights of third parties and other property rights, information that infringes the public interest or individual rights

⑧ Information on images, documents, etc. that correspond to obscenity, child pornography or child abuse

⑨ Information that violates laws and regulations such as the Medical Practitioners Act

⑩ Other information that we deem inappropriate

(7) Computer virus, specifications of harmful programs or acts that induce them

(8) Acts that put an excessive burden on the infrastructure equipment for this application

(9) Attacks on the server, system, and security of this site

(10) Attempting to access our app using a method other than the interface provided by us

(11) The act of one user acquiring multiple user IDs

(12) In addition to the above, acts that the Company deems inappropriate


Chapter 7 Article (of content handling)

1 The user shall be able to use the contents of this application only within the range specified by our company.

2 We own the rights to all the contents provided by this application, and to the users, the patent rights, utility model rights, design rights, trademark rights, copyrights, and other intellectual property rights that we have. It is not intended to be implemented or licensed.

3 Users may copy, transmit, transfer (including buying and selling between users), lend, translate, adapt, reprint without permission, disassemble, and for commercial purposes by any method beyond the scope of use specified by the Company. It is prohibited to use, modify, disassemble, decompile, reverse engineer, etc.

4 Notwithstanding the preceding, by the withdrawal, such as the user is a user If you have lost the qualification, and that you want to disappear right to use the content that has been provided.

5 The copyright (rights stipulated in Articles 21 to 28 of the Copyright Act) regarding the content (still images, videos, text information and all other information) posted on this application or transmitted by the user by the user. All copyrights including) belong to the user. However, when transmitting the content, the user permits the Company to use the content free of charge and non-exclusively in Japan and overseas.

6 The user shall not exercise the moral rights of the author within this application.


Article 8 (Disclaimer)

1 Our company does not take any responsibility for any damage caused by changing, interrupting, or terminating the contents of this application.

2 Our company is not involved in the usage environment of this application of the user and does not take any responsibility.

3 Our company is that this application fits the specific purpose of the user, has the expected function, commercial value, accuracy and usefulness, and the law applicable to the user for the use of this application We do not guarantee that the product will comply with the internal rules of industry groups and that no problems will occur.

4 We, the present application is not intended to guarantee that is compatible with all of the information terminal, this application with the version-up or the like of the OS of the information terminal to be subjected to the use of, this application problems can occur with the operation of the The user shall acknowledge in advance that there is sex. The Company does not guarantee that the problem will be resolved by modifying the program that the Company makes when such a problem occurs.

5 The user acknowledges in advance that the use of part or all of this application may be restricted due to changes in the terms of use and operation policy of app stores such as AppStore and Google Play.

6 The Company shall not be liable for any damages directly or indirectly caused to the user by using this application.

7. The Company has been notified in advance of the possibility of such damages for lost opportunities, business interruptions and any other damages (including indirect damages and lost profits) that occur to users and other third parties. Even so, we do not take any responsibility.

8. Any dispute between a user and another user shall be handled at the responsibility of the parties, and the Company shall not be involved at all.

9. The provisions of paragraphs 1 to the preceding paragraph do not apply if the Company has intentional or gross negligence, or if the contract falls under the consumer contract law.

10 Even if the preceding paragraph applies, the Company shall be liable for any damages caused to the user due to negligence (excluding gross negligence) due to special circumstances. I shall not bear it. 

11 If the Company is liable for damages related to the use of this application, it shall be liable for damages up to the usage amount received from the user in the month in which the damage occurred.

12 user and other users about the dispute and trouble between, we will not assume any responsibility. Even if a problem occurs between the user and another user, it is the responsibility of both parties to resolve it, and we will not make any claims.

13 If the user causes damage to another user or causes a dispute with a third party in connection with the use of this application, the user will compensate or take such damage at his own expense and responsibility. We shall resolve the dispute and shall not cause any inconvenience or damage to us.

14 If the Company makes a claim for damages, etc. from a third party due to the actions of the user, it shall be resolved at the user's expense (attorney's fee) and responsibility. When the Company pays damages to the third party, the user pays the Company all costs including the damages (including attorney's fees and lost profits). will do.

15 If the user causes damage to the Company in connection with the use of this application, the damage shall be compensated to the Company (including legal fees and attorney's fees) at the user's expense and responsibility.


Article 9 (Advertising)

The user understands and accepts that any advertisement may be included on this application and that we or its affiliates may place any advertisement. The form and scope of advertisements on this application may change from time to time depending on our company or its affiliates.


Article 10 (Prohibition of transfer of rights)

1. The user shall not assign all or part of the status under this agreement and the rights or obligations based on this agreement to a third party without the prior written consent of the Company.

2 The Company may transfer all or part of the App to a third party at the discretion of the Company, in which case the user related to the App, including the user's account within the scope of the transferred rights. All rights of the transfer shall be transferred to the transferee.


Article 11 (Separability)

Even if any provision of this agreement or a part thereof is determined to be invalid or unenforceable by the Consumer Contract Law or other laws and regulations, the remaining provisions and part of this agreement are invalid or unenforceable. The rest of the provisions determined to remain in force shall continue to be in full force.


Article 12 (Regulations of each country)

We know that this app is available or permitted in all regions.

We do not guarantee. As long as you access our services, you will do it on your own initiative and

And comply with applicable laws (including but not limited to applicable laws in the area)

You are responsible for doing so. As long as the law in the area applies

We are responsible for complying with the law. Users send technical information from their country of residence to foreign countries

With respect to doing so, you expressly agree to comply with all applicable laws and regulations.


Article 13 (How to contact us)

Users of this application may contact or inquire about this application by e-mail to


Article 14 (Governing law, court of jurisdiction)

1. The validity, interpretation and performance of this agreement shall be governed by and construed in accordance with Japanese law.

2. For discussions, proceedings and all other disputes between the Company and users, the Tokyo Summary Court or the Tokyo District Court shall be the exclusive agreement jurisdiction court, depending on the amount of the complaint.


Enforced on November 30, 2020