MYAKU-PO! Terms of Service

Article 1 (Scope of Application)

1. These terms of service (the “Terms of Service”) stipulate the use of the Services (defined below) with respect to the points business “MYAKU-PO!” (“MYAKU-PO!”) operated by Resona Bank, Ltd. (the “Company”) for the Expo 2025 Osaka, Kansai, Japan (the “Osaka-Kansai Expo”) held by the Japan Association for the 2025 World Exposition (the “Association”). Users shall fully understand the contents of, and agree to, the Terms of Service before using the Services.
2. Information on using the User App (defined below) such as how to obtain and use “MYAKU-PO! Points” will be posted on the following URL:
   ＜https://www.expo2025-myaku-po.jp＞
3. Each User shall be deemed to have made valid and irrevocable consent to the Terms of Service by opening the Account (defined below).

Article 2 (Definitions)

The terms used in the Terms of Service shall be defined as follows or may be separately defined elsewhere in the Terms of Service.

1. The “Services” means the services that the Company provides to Users to achieve the obtainment of Points and the use of Points.
2. “Points” means the points for MYAKU-PO! that the Company grants to Users under prescribed conditions.
3. “Users” means those who opened the Account (defined below) in order to use the Services.
4. A “Partner Company” means a company or organization that concludes a prescribed contract with the Company and handles the provision of Points (defined below) to Users, the exchange of Points for Premiums (defined below), or any other relevant services.
5. “Premiums” means goods and services provided at stores or other locations of Partner Companies that can be obtained by using MYAKU-PO! Points.
6. The “Account” means an account that is opened through the Company’s predetermined procedures only for the use of the Services.
7. The “Settlement System” means a system consisting of hardware, software, databases, apps, and any other devices that is developed and operated by Mitsubishi Research Institute, Inc. (“MRI”) to implement the Services and provided by the Company to Users and Partner Companies.
8. The “User App” means, from among the apps that constitute the Settlement System provided by the Company, one that can be used by Users on their own User Terminal (defined below).
9. The “User Terminal” means a smartphone or other terminal specified by the Company owned by each User that satisfies the specifications set forth in the Terms of Service.

Article 3 (User Terminal)

1. The Services are intended to be used on smartphones or other terminals specified by the Company with mobile phone numbers that can be used in Japan. The recommended environment is as provided in the following paragraph. The Services cannot be used on any smartphone/terminal that does not satisfy such recommended environment or from outside Japan. Please note that it is not guaranteed that the Services are compatible with all smartphones/terminals; there is a possibility that some smartphones/terminals, even if sold in Japan, may not be compatible with the Services.
2. The recommended operating environment for the Services should be iOS 15.0 or later or android 11.0 or later, and the terminal must be capable of using the camera function and SMS (short message service).
3. Notwithstanding the preceding paragraphs, the Services may not be provided depending on the reception status of the User Terminal or due to any restrictions on the functions of the User Terminal or any settings of the User Terminal by the User.

Article 4 (Opening of Account)

1. The number of Accounts shall be one (1) per User, and a User shall not be allowed to have or use more than one (1) Account. Provided, however, that this provision shall not apply where it is deemed appropriate by the Company.
2. In order to obtain or use Points in the Services, an individual who wishes to use the same must apply for the opening of an Account in the manner prescribed by the Company and obtain the Company’s approval. In addition, when applying for the Account, he/she must open an account for the “EXPO2025 DIGITAL WALLET” app (the “Wallet App”) operated by Hashport, Inc., in advance.
3. If the Company approves the opening of the Account as set forth in the preceding paragraph, the Company may recognize such applicant as a User and open the Account on the Settlement System in the manner prescribed by the Company.
4. The Company may, at its discretion, not approve the opening of an Account. In such case, the Company shall not assume any obligation or liability, such as explaining the reason for disapproval, to the applicant for the opening of the Account.
5. In the event that a minor opens an Account, the minor shall obtain the comprehensive consent of the legal representative (in principle, the person who has parental authority) in advance to open an Account and to use the Services in accordance with the Terms of Service and to conduct the Exchange of Points (defined below) and any other dispositions. The minor shall agree in advance that the Company may contact his/her legal representative to confirm such consent.
6. In the Account, all information registered by the User must be true and accurate. In addition, in the event of any change in registered information (such as mobile phone number), the User shall promptly revise the registered information to reflect such change.
7. Any and all rights pertaining to the Account shall belong to the User exclusively. Users may not assign or lend such rights to any third party, or cause any third party to inherit the same.
8. Unless otherwise provided in the Terms of Service, the Account shall be valid until the Services are terminated or the User Unsubscribes (defined below).

Article 5 (Control/Management of Accounts, etc.)

1. Users shall strictly control/manage the registered information in the Account and the passcodes or other authentication information, and shall not disclose the same to others. In addition, Users shall strictly manage the User Terminal on which the User App, which is necessary for the use of the Services, is installed, and shall not allow any third party or any other person who has no legitimate authority to access the Account, to use the User Terminal. Each User shall take measures, on his/her own responsibility, to prevent any fraudulent or other unauthorized use.
2. When the Company confirms in a prescribed manner that the connection between the Account and the Wallet App has been allowed, the Company deems that the User pertaining to the authentication information used the Services. Even in the event that such use was made by a person other than the User through fraudulent or other unauthorized use or any other circumstances, the Company shall not be liable for any damage resulting therefrom, except the case of willful misconduct or gross negligence on the part of the Company.

Article 6 (Loss, Theft, Counterfeiting, or Reissuance of User Terminal)

1. Each User shall responsibly and appropriately manage his/her own User Terminal, such as by setting a password thereon, in order to prevent the use of the Services by any third party. In the event of loss or theft of the User Terminal, the User shall immediately apply for suspending the use of his/her own Account in the manner prescribed by the Company.
2. In the event that the User App is used by any third party due to failure to make an application set forth in the preceding paragraph or failure to implement the measures set forth in Paragraph 1 of the preceding article, the User pertaining to the ID used by the third party shall be fully liable for any and all acts arising out of the third party’s use of the User App, except where such use is caused by willful misconduct or gross negligence on the part of the Company.

Article 7 (Purpose of Use)

1. Users may use the Account and Points only for the purpose of receiving the Services. The Account and Points may be used only in Japan.
2. Users shall not use the Account or Points for any purpose (such as for settlement of its business activities) other than the purpose set forth in the preceding paragraph.

Article 8 (Obtaining of Points)

1. Users can obtain Points in apps, events, stores or any other place provided by Partner Companies. The conditions for obtaining Points, the number of Points obtained, and other conditions related to Points shall be individually determined by the Company and the Partner Companies.
2. The Points obtained by each User are recorded as the balance in the Account.
3. Points do not bear interest.
4. Users shall not revoke the act of obtaining the Points.
5. The Company shall not be a party, an agent, a broker, or any similar person, and shall not assume any legal responsibility, with respect to the formation, validity and performance, of any transaction arising between any Partner Company and any User up to the time when the Points are provided to the User (e.g., services provided by the Partner Company or inquiries from any third party).

Article 9 (Use of Points)

1. Each User may use the Points held by him/her at stores or other locations of Partner Companies to exchange such Points for Premiums in the manner prescribed by the Company.
2. If the number of Points used is within the balance of the Points recorded in the User’s Account, the Company will subtract the number of Points from the balance.
3. When a User exchanges the Points for the Premiums (the “Exchange of Points” in this article), the User shall apply for and conduct procedures for the Exchange of Points in accordance with the provisions of the relevant Partner Company, in addition to the Terms of Service and matters separately set forth by the Company. In addition, details such as the provided quantity, the conditions of use, the time required for the acquisition, the delivery method, the management method, etc. of the Premiums acquired through the Exchange of Points must be in accordance with the Terms of Service and other provisions relating to the Premiums stipulated by the Partner Company or the Association. The Company does not in any way warrant the quality, safety, legality, fitness for a particular purpose, and absence of defects with respect to the Premiums.
4. The Company shall not be a party, an agent, a broker, or any similar person and shall not assume any legal responsibility with respect to the formation, validity, and performance of any transaction of Premiums between Users and Partner Companies.
5. If, after the Points are used, there occurs a default by the Partner Company, return of the Premiums, defect or non-conformity in the Premiums, or any other problems with regard to the Premiums, such problems shall be resolved between the User and the Partner Company, and the Company shall not be obliged to take any measures such as returning the Points to the User.
6. Notwithstanding the provisions of the preceding paragraph, in the event that the transaction of the Premiums between the User and the Partner Company is cancelled or terminated by the Partner Company in the manner prescribed by the Company, the Company may, at its discretion, return the relevant Points to the User’s Account.

Article 10 (Transfer, Redemption for Money, etc. of Points)

1. Users shall not transfer the Points held by them to other Users.
2. The Points held by Users shall not be refundable by cash or redeemed for cash.

Article 11 (Method of Confirming the Balance of Points)

1. Each User may confirm the balance of his/her Points on the balance confirmation screen in the User App (the “Balance Confirmation Screen”).
2. Each User agrees in advance that the balance displayed on the Balance Confirmation Screen may temporarily differ from the actual balance held by the User because, for example, the Points used by the User are not immediately withdrawn from the balance held by the User due to any failure in the system or communications or for any other reason, and the Company shall not assume any responsibility even if the User suffers any damage thereby.

Article 12 (Period of Provision of Services)

1. The period of provision of the Services shall be from the date of opening of the Account as stipulated in Paragraph 3 of Article 1 to the end of December, 2025; provided, however, that such period may be changed by the Company at its discretion.
2. All unused Points shall expire at the end of the period set forth in the preceding paragraph, and all once-expired Points shall become unavailable.

Article 13 (Cancellation due to Unsubscription, etc.)

1. Each User may cancel the Account for the future (“Unsubscription”) through the Company’s predetermined procedures even during the period of provision of the Services.
2. In the event that a User cancels the Wallet App, he/she shall be deemed to have Unsubscribed as set forth in the preceding paragraph. However, Unsubscription from the Account shall not constitute the cancellation of the Wallet App.
3. In the event of Unsubscription for any reason whatsoever, the Account shall be cancelled, and the balance and history of use of Points and any and all other rights of the User recorded in the Account shall be extinguished. Even if a User accidentally cancels the Account, the Account and the balance and history of use of Points and any and all other rights and information of or on the User recorded in the Account cannot be restored.
4. The Company shall not refund any amount of money equivalent to the Points extinguished pursuant to the preceding paragraph. In addition, the Company shall not assume any responsibility even if any damage is caused thereby to the User who Unsubscribed or any third party.

Article 14 (Suspension of the Services)

1. In the event that a User falls under or the Company determines that a User falls under any of the following items, the Company may suspend the use of all or part of the Services or extinguish the Points held by the User by deleting the Account, and the Company shall not be liable for any damage incurred by the User or any third party as a result of such suspension:
   1. The User violates any of the provisions of the Terms of Service;
   2. The User has provided a false information in authentication or registration of the User App;
   3. The User’s identity verification process is not completed successfully;
   4. The User falls under or is likely to fall under an anti-social force or a person who has a close relationship with an anti-social force; provided that an anti-social force herein means any of the following:
   1. a crime syndicate (bouryokudan);
   2. a member of a crime syndicate or a person for whom five years have not elapsed since it stopped being a member of a crime syndicate;
   3. an associate member (junkouseiin) of a crime syndicate;
   4. a business affiliated with a crime syndicate;
   5. a corporate extortionist (soukaiya), a scoundrel/wrongdoer advocating social action (shakai undou tou hyobougoro), an entity that funds crime syndicates from its business operations and stock market activities (tokushu chinou bouryokushuudan), or any other similar entity; or
   6. any other person or group equivalent to (i) through (v) above;
   5. The User, by itself or using any third party, makes any claim using violence, makes any undue claim in excess of legal liability, behaves threateningly or acts violently, engages in acts that are contrary to public policy, damages the Company’s credibility or obstructs the Company’s business by spreading false information or by using fraudulent means or force, or engages in any other act equivalent thereto;
   6. The User obtains Points by illegal means or uses Points knowing that the Points have been obtained by illegal means;
   7. The User counterfeits or alters the Account or Points, or uses Points knowing that the Points have been counterfeited or altered;
   8. The Company acknowledges that the usage situation of Points is inappropriate, such as when the User uses Points at places other than the places designated by the Company (e.g., stores of Partner Companies), or uses Points for the purpose of exchanging them for cash;
   9. The User engages in any act that interferes with servers or network systems of the Settlement System, fraudulently uses the Settlement System using BOT, cheating tools, or other technical means, or intentionally takes advantage of any defect in the Settlement System;
   10. The User analyzes the software used in the Settlement System, such as by decompiling or reverse engineering it, and creates derivative works of such software;
   11. The User assigns or lends the Account to any third party;
   12. The User uses the Services by impersonating a third party; or
   13. The User engages in any other acts that the Company deems inappropriate.

Article 15 (Suspension, Termination and Change of the Services)

1. In the event of any of the following items, the Company may suspend, terminate, or change all or part of the Services without prior notice to Users:
   1. The Company becomes unable to provide the Services due to failure or malfunction of the Settlement System, servers, communication lines, or other facilities, or for any other reasons;
   2. The Company conducts periodic or emergency maintenance, inspection, repair, or modification of the Settlement System, servers, communication lines, power supplies, buildings that house them, etc.;
   3. The Company becomes unable to provide the Services due to fires, power outages, etc.;
   4. The Company becomes unable to provide the Services due to natural disasters such as earthquakes, volcanic eruptions, floods, tsunamis, etc.;
   5. The Company becomes unable to provide the Services due to serious diseases, wars, disturbances, riots, insurrections, labor disputes, etc. or other force majeure;
   6. The Company becomes unable to provide the Services due to laws and regulations or measures based thereon; or
   7. The Company otherwise deems it necessary to suspend, terminate, or change the Services.
2. The Company shall not be liable for any damage suffered by the Users or any third party due to the suspension, termination or change of all or part of the Services pursuant to the preceding paragraph, except in the case of willful misconduct or gross negligence of the Company.

Article 16 (User’s Liability for Compensation, etc.)

1. In the event that a User commits any act that violates the Terms of Service (including cases where the Company determines, based on reasonable grounds, that a User is likely to commit such act), the Company may enjoin the User from committing such act.
2. The User shall compensate the Company for any damage (including reasonable attorneys’ fees) caused to the Company as a result of the breach of the Terms of Service in connection with the use of the Services.
3. In the event that the User receives a claim from or has a dispute with other users, an outside business operator, or any other third party in connection with the Services (collectively, “Disputes”), the User shall immediately notify the Company of the contents thereof, and shall settle the Dispute at his/her own expense and liability without causing any inconvenience to the Company. The User shall also report the progress and results to the Company upon request from the Company.
4. The User shall compensate for any damage incurred by the Company as a result of the Disputes.

Article 17 (Indemnification)

1. The Company makes no warranty, express or implied, as to any of the following items, and the Company shall not be obligated to provide the Services to Users under conditions where any defects have been eliminated; the Users shall determine by themselves the usefulness of the Services and the information provided in the Services, and use the Services at their own responsibility:
   1. The Services are free from defects in fact or law (including defects in safety, reliability, accuracy, completeness, validity, fitness for a particular purpose, security, errors or bugs, and infringement of rights);
   2. Usefulness, compatibility, completeness, accuracy, safety, legality, and currentness with respect to all information provided in the Services (including the Services and all information displayed in the Services and in any linked sites managed and operated by any third party other than the Company; the same shall apply hereinafter);
   3. All matters in connection with acts that the Users negotiate with third parties, make reservations, offer or enter into contracts using the information provided in the Services;
   4. The Services and Premiums, information, or any other things available through the Services satisfy the wishes or expectations of the Users; or
   5. E-mails, web contents, or any other information sent in connection with the Services do not contain computer viruses or other harmful contents.
2. Part or all of the Services may not be available depending on the communication environment of the location where the Users use the Services or any failure of the User Terminal; however, the Company shall not be liable for any prejudice or damage suffered by the Users as a result of such unavailability.
3. The Company shall not be liable for any prejudice or damage suffered by the Users due to use by them of, or failure of, any services provided by any Partner Company or any services other than the Services on the Wallet App.
4. The Company shall not be liable for any damage suffered by the Users due to the Services, regardless of the content or method thereof. Even if the Company is not exempted from liability for damages due to the application of the Consumer Contract Act or for any other reason in connection with the contracts between the Company and the Users concerning the Services (including the Terms of Service), the Company’s liability shall be limited to direct and ordinary damage actually incurred by the Users due to default or tort caused as a result of the Company’s negligence (excluding gross negligence), and the damages shall be limited to the amount obtained by multiplying the balance of Points hold by the Users at the time when such damage occurred by one (1) yen.

Article 18 (Contact Method)

1. When the Company deems it necessary to notify or contact a User, such as when the User has changed the User Terminal, the Company may notify or contact the User’s e-mail address, postal address, or telephone number registered in the Account by using messaging function, e-mails, phone calls, or postal mails through (i) the User App or the Services or (ii) the Wallet App or any services pertaining to the Wallet App. The Company shall not be liable for any prejudice suffered by the User when, notwithstanding that the Company has notified or contacted the User, the User has not responded within a reasonable period of time set forth by the Company.
2. If any notice, sent document, or other item from the Company is delayed or fails to arrive due to the User’s failure to change the registered information not complying with Paragraph 6 of Article 4, it shall be deemed to have arrived at the User at the time when it should normally have arrived. In addition to the above, the Company shall not be liable for any damage caused as a result of non-arrival or delay of the notice or contact from the Company for any reason attributable to the User.
3. Input of registered information or other information into the Services, cancellation of the Account, and other procedures performed by the User through an Internet connection shall be deemed to have been validly completed when the data on such procedures is transmitted to the server of the Settlement System and the content thereof is reflected in the Settlement System.
4. When the User deems it necessary to notify, contact, or make inquiries to the Company, the User may make inquiries to the Company by sending an inquiry form in the URL stipulated in Paragraph 2 of Article 1 or elsewhere. The Company will not provide any support to the User other than answering the questions about how to use the User App.
5. When an inquiry is made by the User pursuant to the preceding paragraph, the Company may conduct identity verification of the User by the method designated by the Company. In responding to the inquiry, the Company may choose any method (e-mails, documents, phone calls, or other method) that the Company deems most appropriate on a case-by-case basis, and the User may not designate such method of responding by the Company.

Article 19 (Intellectual Property Right and Backup)

1. The rights to all materials comprising the Services, including the User App, shall belong to the Company, MRI, or a third party who has such rights. The licensing of use of the Services under the Terms of Service shall not imply the licensing of such rights, and Users shall not acquire any right with respect to all materials of the Services. The Users shall not, without the permission of the rights holder, commit any acts that infringe on any rights related to content materials such as ownership rights, intellectual property rights including copyrights, portrait rights, and publicity rights.
2. The Company shall not be obligated to make backups of the data in the User App. The Users shall, at their own expense and responsibility, make backups of such data if necessary.
3. The Company may conduct a questionnaire survey on the Services to the Users, and all information and rights resulting from the Users’ responses to the survey shall belong to the Company.

Article 20 (Provision and Protection of Personal Information)

1. The handling of personal information of Users that the Company receives from the Users in connection with the Services shall be governed by the provisions of the “Privacy Policy” separately stipulated by the Company, and the Users agree that the Company handles the information on the Users in accordance with the “Privacy Policy”.
2. The Company may use the registered information, transaction history information, and other necessary information collected from Users for the provision of the Services, information processing, contact of information incidental to the Services, questions and answers, analysis of usage situation, making of plans associated with the menu for provision of Points, provision of aggregate data on the contents of plans, in a non-personally identifiable format, to Partner Companies, questionnaire surveys, and the provision of information on campaigns or other information not limited to the Services, including events, public offerings, etc.
3. The Company may engage an outside contractor for the handling of personal information of Users obtained within the scope of the purpose of use as set forth in the preceding paragraph.
4. The Company will continue to store the personal information obtained from Users even after cancellation of the Account, provided that the Company manages such personal information in accordance with the provisions of this article.
5. Users agree in advance that the Company may provide personal information of Users to third parties in accordance with the “Privacy Policy” separately stipulated by the Company.

Article 21 (Governing Law)

The Terms of Service shall be governed by and construed in accordance with the laws of Japan.

Article 22 (Jurisdiction)

All disputes arising in connection with the Terms of Service shall be submitted to the exclusive jurisdiction of the Tokyo District Court in the first instance regardless of the value of the subject matter of the suit.

Article 23 (Severability)

If any of the provisions of the Terms of Service, in whole or in part, is found invalid or ineffective pursuant to the Consumer Contract Act or other laws and regulations, the provisions of the Terms of Service other than those found to be invalid or ineffective shall remain in full force and effect.

Article 24 (Amendment)

The Company may, when it deems necessary, amend the Terms of Service within the scope of the purpose of the Services. In such case, the Company shall notify Users of the contents and the effective date of the amended Terms of Service by displaying them on the User App or on the URL stipulated in Paragraph 2 of Article 1 or by the method designated by the Company. The amended Terms of Service shall become effective as of the effective date.

Supplementary Provisions

Established and enforced on July 1, 2024.