Compliance
ISO/IEC 27001
International standard for information security management systems (ISMS), independently audited and certified.
TRUSTe Certified
Japan Privacy Accreditation Council certification verifying that Moneytree's privacy practices meet established standards for data protection and user rights.
FSA Registered
Registered with Japan's Financial Services Agency (้่ๅบ) as an electronic payment intermediary service provider under the Banking Act.
Terms of Service
Read full terms โ- Service scope โ Moneytree is a read-only financial data aggregation platform. It consolidates account information from multiple institutions into one dashboard; no transactions are permitted.
- User responsibilities โ Users must use the service lawfully, keep login credentials confidential, and provide accurate information. Users bear full responsibility for all usage and consequences.
- Data access methods โ Moneytree accesses account data either through user-provided credentials or via API connections with financial institutions, with the user's explicit consent.
- Limited liability โ Moneytree disclaims responsibility for service interruptions, inaccurate data, and system failures. Liability is capped at amounts paid or ยฅ500, whichever is lower.
- Account termination โ Accounts may be suspended or deleted for rule violations, 365+ days of inactivity, or system abuse.
- Paid service โ Mid-contract cancellations incur the full period charge with no refunds, unless required by law. Price changes apply only to new subscribers.
- Jurisdiction โ All disputes are governed by Japanese law under the exclusive jurisdiction of the Tokyo District or Summary Court.
Privacy Policy
Read full policy โ- Data collected โ Email addresses, financial authentication credentials, account data (balances, transactions, statements), and usage analytics. Only the minimum necessary data is collected.
- How data is used โ To provide the service, aggregate account data across financial institutions, analyse spending patterns, and surface personalised financial product recommendations.
- Third-party sharing โ Account data is shared with linked institutions only with explicit user consent. Anonymised statistical data may be provided to third parties for research without consent.
- User rights โ Users may request access, correction, deletion, or suspension of their data. Some requests require identity verification and may incur a ยฅ1,000 disclosure fee.
- Security measures โ Multi-factor authentication, encrypted storage in approved cloud services, device management policies, and comprehensive access logging.
- Data deletion โ Deleting your Moneytree ID or disconnecting linked institutions automatically removes the associated data.
- Compliance โ Moneytree holds TRUSTe certification and complies with Japan's Act on the Protection of Personal Information (APPI), with regular policy reviews.
โ ๏ธ These summaries are AI-generated for convenience only and do not replace the full legal terms. Please read the original documents for complete and binding information.