Terms & Conditions

This website, www.aozorabank.co.jp (the "Site") is operated and maintained by Aozora Bank, Ltd. (the "Bank"). Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. These Terms and Conditions are subject to change without notification.

1. Forecasting of results

The Site contains the forecasts of the financial status and business results of the Bank, its subsidiaries or its affiliates (the "Aozora Group companies"). Please be aware that the forecasts involve a degree of risk and uncertainty, and may differ materially from actual results due to changes in the operating environment and other factors.

2. Insider Trading

The purpose of the Site is to facilitate fair and timely disclosure of information to Bank shareholders, investors and customers, as well as providing a broad range of information, including press releases. Information contained in the Site may include "important information" as provided under the Japanese Financial Instruments and Exchange Act. If a person receives such important information by viewing the Site and that person later, within twelve hours after the public release of such important information to the media, conducts any sale, purchase, and/or other transactions designated under the Financial Instruments and Exchange Act, in relation to stocks or other securities or instruments issued by the Bank, such transactions may be deemed to violate the Financial Instruments and Exchange Act. Visitors to the Site who are residents of countries other than Japan may be subject to similar and/or identical restrictions under the laws of their country of residence, and the Bank expects that such visitors will utilize the information contained in the Site in compliance with such restrictions.

3. Bank's share information

Please note that it is prohibited to offer the company's share price and other stock data, disclosed on this Site at a minimum 20-minute time lag, for any purpose other than browsing, such as, but not limited to, forwarding, selling, redistributing, revising, and editing. The Bank's share price and other stock data disclosed on this Site at a minimum 20-minute time lag is provided courtesy of QUICK Corp. QUICK Corp. makes no warranties or representations as to the accuracy of this information. The Bank, QUICK Corp., and Tokyo Stock Exchange disclaim any liability, expressed or implied, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with actions taken on the basis of the stock information provided on this website. The provision of such information may be discontinued and/or the content may be revised without any prior notice.

4. Copyright

Copyright of the Site and the material therein (including information, brand logo, design, etc) is owned by Aozora Group companies and the companies or persons working with the Aozora Group. Unauthorized use, reproduction, change or distribution of the Site's content is prohibited.

5. No Warranty and Disclaimer

  • The Site contains various information including news releases for the media. Despite our efforts to check and update this information on a regular basis, the Aozora Group companies do not guarantee its completeness, timeliness or accuracy.
  • The Aozora Group companies may terminate any or all the Site offerings or transmissions, or discontinue or change the information, materials, products or services described herein at any time without notice.
  • The Aozora Group companies will not be liable for any trouble, loss or damage arising in connection with the Site, its use or inability to use thereof, or in connection with errors, omissions or changes in the information and materials contained in the Site, any failure of performance, disruption, computer virus or other contamination, or line or system failure.
  • The Site may contain links or banners to web sites controlled or offered by third parties other than Aozora Group companies. The Aozora Group companies disclaim liability for any information, materials, products or services posted or offered at any of the third party sites linked to the Site.

6. Security

  • Measures are constantly in place to prevent the occurrence of trouble, such as illicit access to client information, destruction of data, falsification of data, and information leaks. Retail client information input into this site is secured by SSL (Secure Sockets Layer) coding, in accordance with our Privacy Policy.
  • You can confirm the existence of the Site from here.

7. Browser Recommendations

For the most secure and effective browsing experience, we recommend using one of the following web browser versions.

Windows Users
Internet Explorer 9.0 and higher, latest version of Firefox, latest version of Chrome

Macintosh Users
Latest version of Safari, latest version of Firefox, latest version of Chrome

For optimal viewing, we recommend a screen resolution of 1024 x 768 pixels or higher.

【Browser Settings】
  • Depending on your browser settings, information is stored in your cache (temporary Internet files) and this may cause old content to be displayed. This display of old information may occur even when using the above recommended web browsers. Please check your browser settings to ensure the most up-to-date information is displayed.
  • The Bank does not guarantee the accuracy, completeness, reliability or relevance of interest rates, fees and other information contained in the Site, including when such information is incorrectly displayed as a result of your browser settings. In addition, the Bank does not make any warranties with regard to the results of operations or investments made using the information contained herein.
  • In the event that the interest rates shown on the Site differ from those displayed at branches, the branch rates shall apply.
  • In the event that the interest rates shown on the Site differ from those displayed for Internet banking, the Internet banking rates shall apply.

8. Cookies

In order to maintain site security and provide information pertinent to retail clients, cookies are used on some pages of this site. Cookies are saved in the web browser of visitors to the site and are a means of recognizing the visitor the next time they visit the same pages. The cookies used by this site do not contain any personal information that has been provided by our clients. Although web browser settings can be adjusted to block cookies, this may prevent the use of some parts of the site.

9. Governing Law

These Terms and Conditions are governed by, and construed in accordance with, the laws of Japan unless expressly provided otherwise.

10. Language

If there exist differences in interpretation between the Japanese and English versions of these Terms and Conditions, the Japanese version shall have priority.