Terms of Service

1. Acceptance of Terms

By accessing or using YenMate Japan ("the Service"), operated by LAIRIA Holdings, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service. We may update these terms from time to time, and your continued use of the Service after changes constitutes acceptance of the updated terms.

2. Service Description

YenMate Japan provides:

• Educational articles and guides about finances in Japan (taxes, investments, pensions, property, insurance, banking)
• Interactive financial tools (tax checker, NISA calculator, payslip decoder)
• A searchable FAQ and guide database covering Japanese financial topics
• Email updates with financial tips and deadline reminders
• Affiliate links to recommended financial products and services (NISA brokers, insurance, etc.)

The Service is available in English and is designed for foreign residents of Japan. All content is free to access.

3. Important Disclaimer

• Our content and AI responses do not constitute financial, tax, legal, or investment advice
• We do not guarantee the accuracy, completeness, or timeliness of any information
• Tax laws, regulations, and rates change — always verify current information with official sources
• For your specific financial situation, consult a licensed 税理士 or qualified professional
• Search results and guide content may contain errors — always cross-reference important decisions with official sources

4. Legal Positioning

YenMate provides general educational information about Japan's financial systems. This service does not constitute:

• a) 税務相談 (tax consultation) as defined under 税理士法 (Certified Tax Accountant Act) Article 2, Paragraph 1, Item 3
• b) 税務代理 (tax representation) as defined under Article 2, Paragraph 1, Item 1
• c) 税務書類の作成 (preparation of tax documents) as defined under Article 2, Paragraph 1, Item 2
• d) Financial advice under 金融商品取引法 (Financial Instruments and Exchange Act)

All content, tools, and AI responses are equivalent to publicly available educational materials and should not be relied upon as professional advice for individual situations. For a detailed explanation of our legal positioning, please see our Disclaimer page.

5. User Obligations

By using the Service, you agree to:

• Not use the Service for any illegal purpose
• Not attempt to reverse-engineer, scrape, or systematically copy our content
• Not submit another person's マイナンバー, financial documents, or personal data into our tools
• Not rely solely on our Service for financial decisions without consulting a qualified professional

6. Affiliate Links & Third-Party Products

YenMate Japan may contain affiliate links to third-party financial products and services (such as NISA brokerage accounts, insurance providers, and other financial tools). When you click these links and sign up for a service, we may earn a commission at no additional cost to you.

We are committed to honest recommendations. We will never recommend a product solely because it offers a higher commission. Our editorial content is independent of our affiliate relationships.

Third-party products and services are governed by their own terms and conditions. We are not responsible for the products, services, or policies of third-party providers.

7. Intellectual Property

All content on YenMate Japan — including articles, tools, design, code, and branding — is the property of LAIRIA Holdings and is protected by copyright and intellectual property laws.

You may not reproduce, distribute, or create derivative works from our content without written permission. You may share links to our articles and cite brief excerpts with attribution.

8. Limitation of Liability

To the maximum extent permitted by law:

• The Service is provided "as is" without warranties of any kind, express or implied
• We are not liable for any financial losses, tax penalties, or other damages resulting from use of the Service
• We are not liable for errors in AI responses, calculator outputs, or guide content
• Our total liability for any claim arising from the Service is limited to the maximum extent permitted by applicable law
• We are not responsible for any actions you take based on information from the Service

9. Changes to These Terms

We may update these terms from time to time. Material changes will be posted on this page with an updated "Last updated" date. Your continued use of the Service after changes are posted constitutes acceptance of the new terms.

10. Governing Law

These terms are governed by the laws of Japan. Any disputes arising from these terms or the Service shall be subject to the exclusive jurisdiction of the Tokyo District Court.

11. Contact

If you have questions about these terms, contact us:

Email: support@yenmate.com
Operator: LAIRIA Holdings