In this privacy policy (this “Policy”), we describe the information that we collect about you as you use the services or products that Payoneer Japan Limited (“Payoneer Japan” or “we” or “our”; Please see https://www.payoneer.com/ja/about/ for our address and our representative director’s name.) provides (our “Services”). We treat your personal information and Individual Number prescribed in Article 2 (5) of Act on the Use of Numbers to Identify a Specific Individual in the Administrative Procedure (the “My Number Act”) (“Individual Number”) as follows in accordance with the Act on the Protection of Personal Information (the “Personal Information Protection Act”), the My Number Act and other relevant laws and regulations and guidelines. Please read this Policy carefully in order to understand what we and our group companies do with your personal information and Individual Number. Your use of our website, Mobile App and Services and any dispute over privacy are subject to this Policy and our Terms and Conditions, including their applicable limitations on damages and the resolution of disputes.

How does Payoneer Japan collect my personal information?

We collect information about you directly from you or third parties, or automatically as you use our website and the services available through our website as follows.

How does Payoneer Japan collect my Individual Number?

We collect your Individual Number directly from you.

When does Payoneer Japan collect my personal information?

• Directly from You: When you apply for our Services and as required for our continued business relationship, when you contact us with questions, and/or when

you otherwise choose to provide information to us.

• From Third Parties: We receive information about you from banking references, credit reporting agencies, each of our group companies, and other third parties (e.g., entities that assist us in validating your identity, among others). We may combine

this with other information that we collect about you.

• Automatically: We, and our third party service providers, automatically collect the following information about your use of our website and our online services through

cookies, web beacons, log files and other technologies: your domain name, your browser type and operating system, web pages you view, links you click, your IP address, the length of time you visit our website or use our services, your activities on our website, and the referring URL or the webpage that led you to our website. Please see the section “Our Use of Cookies and other Tracking Mechanisms” below for more information.

When does Payoneer Japan collect my Individual Number?

When you apply for our Services, we collect your Individual Number directly from you.

What information does Payoneer Japan collect?

The types of information we collect about you include:

• Your name, date of birth, email address, phone number, mailing address or billing address and other registered information
• Bank and credit account information
• IP address etc.
• Identity validation information (e.g., photograph or other information requested to verify your information including your occupation and purposes of transactions)
• Individual Number
• Credit history
• Details of any transactions carried out using any of our Services
• Any other information that you choose to provide to us (e.g., if you send us an email/otherwise contact us)
• Calls/emails/other correspondence
• Info through Cookies and other tracking technologies as described in the section below entitled “Our Use of Cookies and other Tracking Mechanisms”

We use the personal information we collect for the following purposes.

• To validate your identity (including via SMS or Voice Call, as applicable) and verify your access and control over bank accounts you associate with our services.
• To register you and provide our Services to you, to facilitate the processing of your payments on other platforms or websites operated by our users, to communicate with you in connection with our services and KYC verification processes (including via SMS, messaging applications, or, for users of our Mobile Application, via “push” notifications) or any changes in our Terms and Conditions or this Policy that apply to you.
• For the purpose for which you specifically provide the personal information to us, including, to respond to your inquiries, to provide any information that you request, and to provide customer support (including via SMS, messaging applications, as applicable).
• To tailor the content and information that we may send or display to you, to offer location customization (where permitted by applicable law), personalized help and instructions, and to otherwise personalize your experiences while using our website and/or our services, such as developing and offering you with new and/or additional Payoneer services to the services we are providing you or new and/or additional features to existing services, based, where appropriate, on your eligibility for such new and/or additional services or features, as would be evaluated by us from time to time.
• For marketing and promotional purposes, for example, we may use your personal information, such as your email address, phone number (including via SMS, messaging applications, as applicable), or mailing address to send you newsletters, special offers and promotions, or to otherwise contact you about services or information we think may interest you (unless you are opted-out from our marketing communications), or to conduct draws for campaigns and the like and deliver prizes and rewards.
• As permitted by applicable law, to assist us in advertising our products and services in various mediums including, without limitation, sending you promotional emails, advertising our services on third party sites and social media platforms, sending you direct mail, and by telemarketing (unless you are opted-out from our marketing communications).
• To better understand how users, access and use our website and/or our services, both on an aggregated and individualized basis, to administer, monitor, and improve our website and/or services, for our internal purposes, and for other research and analytical purposes. Please see our Cookies Policy for more information.
• To protect us, our customers, employees, partners or property — for instance, to investigate fraud and prevent fraudulent activity, abuse of the services, harassment or other types of unlawful activities involving us or other companies that we do business with, to enforce this Policy, as well as our Terms and Conditions.

We use your Individual Number we collect for the following purposes.

• To conduct the affaires of preparing legal documents regarding overseas transaction

• Payoneer Japan restricts access to non-public personal information only to employees and entities that are performing services on our behalf on a need-to-know basis. We train our employees on the importance of your privacy and confidentiality. We also have implemented systematic, human, physical and technological safeguards that comply with the Personal Information Protection Act and other relevant laws and regulations and guidelines. We understand the data protection regimes of jurisdictions where we process your personal data if we process your personal data outside Japan.
• Personal information may be stored and processed in all countries where our facilities or facilities of our group, contractors or financial institutions (including payment service providers) are located. By using our Services, you explicitly agree that your personal information will be transmitted outside of your country of residence including countries other than Japan that might not have an appropriate legal system for protecting data. In that case, however, we will take necessary measures so that the data will be processed within all territories in a manner that does not contradict our privacy protection level and in accordance with the provisions of applicable laws.
• We will manage your Individual Number we collect in accordance with the Personal Information Protection Act, the My Number Act and other relevant laws and regulations and guidelines.

We outsource the handling of your personal information and Individual Number to outsourcing contractors and service providers within the scope necessary for achieving the purposes of use.

We may share personal data with fraud prevention and detection service providers – which provide fraud detection,             prevention, protection services, or other similar services, on our behalf. Such service providers may, as long as allowed to do so under applicable law, keep records of information provided and use it when providing fraud detection and prevention services to other users of their databases.

We jointly use your personal information with each of our group companies (Payoneer Inc. and its subsidiaries and affiliates), within the scope necessary for achieving the purposes of use.

• The personal information to be shared is the same type of personal information as the personal information described above.
• The purpose of sharing is the same as the purpose described above (“we” shall be read as “our group” with respect to the purpose of sharing).
• We are responsible for the sharing of personal information (Please see https://www.payoneer.com/ja/about/ for our address and our representative director’s name. Please refer to the contact information below for inquiries.

You agree that we provide your personal information with other customers or third

parties using the services of our group companies, to assist in carrying out your transactions with such customers or third parties or for purposes of the Payoneer refer-a-friend program.

When using our payment services on  Amazon Japan Godo Kaisha (“Amazon”), we will jointly use the categories of personal data listed under (i) below with Amazon for the purposes listed under (ii) below in accordance with Article 27.5.3 of Act on Protection of Personal Information.

Each of us (Please see https://www.payoneer.com/ja/about/ for our address and our representative director’s name) and Amazon (please see https://www.amazon.co.jp/b?ie=UTF8&node=5121598051 for Amazon’s address and its representative officer’s name) will be responsible for the management of the jointly used personal Data held thereby.

When using our payment services on Amazon, we will jointly use the categories of personal data listed under (i) below with Amazon for the purposes listed under (ii) below in accordance with Article 27.5.3 of Act on Protection of Personal Information. Each of us (Please see https://www.payoneer.com/ja/about/ for our address and our representative director’s name) and Amazon will be responsible for the management of the jointly used personal Data held thereby.

(i) Categories of Personal Data Jointly Used 

We may disclose all or part of the details collected during the account sign-up process and when you use your account as below. 

• “Know Your Client” data and other which includes identity data (e.g., name, nationality), contact information (e.g., address) and details regarding your Payoneer accounts and bank accounts. 
• If your Amazon account is deactivated or terminated by Amazon due to abuse, fraud or illegal activity, we may disclose additional information, including limited transaction related information. 

(ii) Purposes of the Joint Use 

The data will be used for the purposes of Amazon’s Payment Service Provider Program, designed to enhance its ability to detect, prevent and take action against bad actors so Amazon and participating PSPs can continue to protect customers and sellers from fraud and abuse.

Except for the above cases, we will not provide your personal information to a third party except when (i) you give your consent in advance, (ii) it is required under a law or regulation, (iii) it is necessary in order to protect our rights, property, services or the like or a person’s life, body or property but it is difficult to obtain your consent, (iv) it is especially necessary in order to improve public health or promote children’s sound

development but it is difficult to obtain your consent, (v) it is necessary to cooperate with national authorities or municipal governments or their contractors to perform administration set out in a law or regulation and obtaining your consent is likely to interfere with that administration (vi) it is necessary for an academic research institute to use your personal data for a purpose of academic research or (vii) a succession of our business is conducted, which includes providing personal information, due to an event such as a merger, company split, or business transfer.

We will not provide your personal information including your Individual Number to a third party except for the cases to be provided by the law, even if you give your consent.

We may use cookies and other tracking mechanisms to collect the following information from you and our third party analytic tools and cookies usage: Internet or other similar network activity; and Geolocation data. We may associate such information with your personal information so that we may acquire such information as personal information and use it for the purposes described in c (HOW WE USE YOUR INFORMATION) above, and you consent to the foregoing.
You may object the use of cookies and other tracking mechanisms by changing your web browser’s settings or by using the cookies settings on our website. Please see our Cookies Policy at https://www.payoneer.com/legal/cookies-policy/ for details.

We work with third party service providers that use cookies, web beacons, and other tracking technologies to conduct website analytics to help us track and understand how visitors use our website. For example, we use a variety of third party web analytics, to help us improve our website’s performance and user experiences.

Payoneer Japan Limited

Barbizon104-302 Minamiaoyama 5-4-27 Minato-ku Tokyo, Japan
Phone: 03-4578-1755
Support Portal

Please contact the above contact details for your requests such as notification of purposes of use, access to your personal data, correction, supplement and deletion of your personal data, cessation and destruction of your personal data, cessation of third party provision, and disclosure of third party provision record. Please also contact the above for what identification document needs to be submitted, the amount and remittance information for applicable fees.

Please contact the above for raising any complaints about our handling of personal information.

This Privacy Policy shall be governed by and interpreted in accordance with the laws of Japan. Any dispute hereunder shall be brought exclusively in the Tokyo District Court.

Any and all content provided on this website, including links to other websites is provided for information purposes only and does not constitute advice, recommendation or support of such content or website. Payoneer makes every effort to provide true and accurate content on its website.

However, Payoneer provides no warranty, express or implied, of the accuracy, completeness,

timeliness, or applicability of such content. Payoneer accepts no responsibility for and excludes all liability in connection with information provided on the Payoneer website, including but not limited to any liability for errors, inaccuracies or omissions.

We may change this Policy from time to time, so please be sure to check back periodically. You will be notified of changes to this Policy via the posting of an updated version on our Website and, where appropriate, via email and/or message to “My Account”. If we make any changes to this Policy that materially affect our practices with regard to the personal information and Individual Number we have previously collected from you, we will endeavor to bring this to your attention in advance of such change.

We retain your personal information for at least such period required in order to meet our obligations under applicable laws or regulations and, to the extent not prohibited under applicable law, such additional period in accordance with our internal policies and procedures for purposes of prevention of fraudulent activities, risk management and security.