1. Acceptance of Agreement

These ETC Card Terms of Use constitute an agreement between the Card Member and JapanETCcard, together with the issuing company identified on the card.

You agree to this Agreement when you sign or electronically accept a JapanETCcard application or User Agreement, activate or use an ETC card, authorize toll or service charges, or continue using the Service after an updated Agreement becomes effective.

Merely viewing this public page or scanning the QR code does not, by itself, create a customer account. Acceptance occurs through the application, authorization, activation, retention, or use described above.

You must not use the card or Service unless you understand and agree to the applicable terms.

2. Contract Documents and Order of Precedence

Your agreement with JapanETCcard may include the following documents:

• These ETC Card Terms of Use.
• Your signed or electronically accepted User Agreement Form.
• The pricing, deposit, replacement, shipping, and service-fee information published on the Pricing Info page.
• The Privacy Policy and applicable consent notices.
• The Commercial Transactions disclosure.
• Any approved account-specific terms provided to you in writing.
• Applicable ETC System Usage Regulations, implementation rules, toll-road rules, and road-operator requirements.

If documents conflict, mandatory Japanese law and binding toll-road operator rules apply first. Account-specific written terms then apply, followed by these Terms and the published policies, unless a document expressly states otherwise.

3. Definitions

Account

The customer record through which cards, vehicles, invoices, deposits, payments, and notices are administered.

Additional Card

An approved second or later ETC card issued through a separate customer account registered with a different email address and administratively linked to the Card Member's existing account.

Card Member

The individual or legal entity that has entered into the Agreement, including an authorized named card user registered with JapanETCcard.

ETC Card or Card

The electronic toll-collection card issued or made available for authorized toll-road use through JapanETCcard.

ETC System

The onboard equipment, card, toll-gate infrastructure, operator systems, and communications used to record and process toll-road travel.

Issuer

The issuing company identified on the ETC card, including ING Group Co., Ltd. where shown on the card.

Primary Vehicle

The vehicle registered with JapanETCcard as the main vehicle associated with the Card or Account.

Road Administrator

NEXCO, another toll-road operator, or another organization legally responsible for the applicable toll road.

Service

The JapanETCcard account, card administration, toll billing, support, statements, reports, and related services.

4. Eligibility and Account Information

A Card Member must be legally capable of entering into this Agreement and must satisfy JapanETCcard's identity, payment, vehicle-document, security-deposit, and risk-review requirements.

You must provide complete, current, and accurate information, including your:

• Legal name or registered business name.
• Current residential or business address.
• Email address and telephone number.
• Vehicle registration information.
• ETC onboard-unit information when requested.
• Approved payment information.
• Identification and supporting documents when requested.

You must promptly update any change to your contact information, vehicle, registration, ETC unit, payment method, legal name, or other material account information.

You are responsible for protecting your login credentials, verification codes, account records, and card from unauthorized access or use.

5. Card Ownership and Authorized Use

The ETC card remains the property of the Issuer at all times. The Card Member receives a limited, revocable right to possess and use the Card only in accordance with this Agreement.

The Card may be used only by the registered cardholder or an authorized named user accepted by JapanETCcard. The Card must not be:

• Lent to another person.
• Sold, transferred, assigned, or gifted.
• Pledged or used as security.
• Copied, duplicated, altered, or tampered with.
• Used after expiration, cancellation, suspension, or deactivation.

You must return the Card immediately when requested by JapanETCcard or the Issuer.

6. Proper ETC Card Use

The ETC card may be used only for eligible ETC toll transactions. It is not a standard credit card and cannot be used for general purchases, cash withdrawals, or non-ETC payment transactions.

You must:

• Confirm that the Card is valid and properly inserted before beginning travel.
• Use the same Card and onboard unit from entry through exit where required by the applicable ETC rules.
• Confirm that the onboard unit recognizes the Card without an error.
• Follow all toll-gate signs, lane instructions, signals, speed requirements, and staff directions.
• Maintain enough distance from the vehicle ahead and remain prepared to stop.
• Stop the vehicle safely before inserting, removing, checking, or handling the Card.
• Keep the Card away from excessive heat, direct sunlight, moisture, bending, impact, magnets, static electricity, and other conditions that may damage its electronics.
• Remove and store the Card securely when the vehicle is parked.

7. Vehicle Registration and ETC Onboard Unit Requirements

The ETC card must be used with an approved, properly installed, and correctly configured ETC onboard unit.

The onboard unit must be set up for the vehicle in which it is installed. You are responsible for obtaining a new setup or re-setup whenever required, including when:

• The onboard unit is transferred to another vehicle.
• The vehicle registration number changes.
• The vehicle class or physical configuration changes.
• The vehicle is modified in a manner affecting ETC registration.
• The registered vehicle information becomes inaccurate.

JapanETCcard generally requires a Primary Vehicle to be maintained on the Account. Use of the Card in another vehicle is at the Card Member's responsibility and is permitted only when the other vehicle has a properly installed and correctly configured ETC onboard unit.

Use in an alternate vehicle may affect toll classification, discounts, mileage registration, travel records, insurance, employer rules, rental agreements, or other benefits. JapanETCcard does not guarantee that a discount or benefit will apply when the Card is used in an alternate vehicle.

8. Toll-Road and Road Administrator Rules

Card Members must comply with all applicable ETC System Usage Regulations, implementation rules, toll-road operating rules, traffic laws, and instructions issued by the Road Administrator.

Road Administrators determine toll calculations, vehicle classifications, road eligibility, discount eligibility, gate operations, correction procedures, and use restrictions.

JapanETCcard does not control toll-gate equipment, road closures, operator systems, toll rates, or Road Administrator decisions.

Where an ETC lane cannot be used, you must follow the instructions displayed at the toll gate or provided by toll-road personnel.

9. Security Deposits

9.1 Primary Card Deposit

The standard refundable security deposit for a primary ETC card is generally ¥40,000 , unless a different amount is disclosed and accepted for the Account.

9.2 Additional Card Deposit and Separate Account Requirement

Each additional ETC card requires a separate customer account registered with a different email address and an additional refundable security deposit of ¥20,000 per card.

An additional ETC card is not requested or added within the customer's existing account. After the additional account is created and the required deposit and documentation are completed, JapanETCcard will administratively link the accounts.

9.3 Purpose of the Deposit

A security deposit secures payment and performance obligations arising from the billing delay and continued posting of toll transactions. It is not a prepaid toll balance and is not routinely deducted from monthly invoices.

The Card Member must pay invoices in full even when JapanETCcard holds a security deposit.

9.4 Deposits Across Linked Accounts

Deposits held across administratively linked accounts may be treated as security for the obligations associated with the corresponding cards and linked accounts, to the extent permitted by law and the applicable agreements.

Linking accounts does not merge them into a single account and does not eliminate the separate ¥20,000 deposit required for each additional ETC card.

9.5 Risk-Based Deposit Adjustments

Deposit increases are not automatic. JapanETCcard may request a reasonable increase when documented circumstances indicate greater payment or non-payment risk, including:

• Repeated past-due balances.
• Repeated failed, reversed, or returned payments.
• Chargebacks or payment disputes.
• Materially increased unpaid toll exposure.
• Fraud, account misuse, or inaccurate account information.

A single isolated late payment or declined payment does not, by itself, automatically require a deposit increase.

9.6 Use of Deposit

After notice where reasonably practicable, JapanETCcard may apply all or part of the deposit to unpaid tolls, fees, replacement costs, damage, loss, or other amounts properly due under the Agreement, to the extent permitted by applicable law.

Application of the deposit does not prevent JapanETCcard from collecting any remaining balance. If the Account remains active, the Card Member may be required to restore the deposit.

10. Pricing, Tolls, and Service Fees

The Card Member is responsible for all authorized tolls, taxes, service charges, replacement fees, delivery charges, administrative charges, and other disclosed amounts associated with the Account.

Current standard pricing is published on the Pricing Info page and may include:

• Toll-road charges reported by Road Administrators.
• Monthly, annual, processing, or account service fees.
• Card issuance or replacement fees.
• Additional-card fees.
• Shipping or expedited-delivery charges.
• Past-due or failed-payment charges.
• Other optional services selected by the Card Member.

Tolls and third-party charges may change without JapanETCcard's control. JapanETCcard service-fee changes will be communicated as required by this Agreement and applicable law.

11. Billing and Toll-Posting Delay

ETC toll billing is generally approximately two months behind the month in which travel occurred . For example, toll travel in April may generally appear on an invoice issued around June.

This timing is an estimate and not a guarantee. Road Administrators and other data providers may submit transactions earlier or later. Delayed, corrected, disputed, or manually processed tolls may be billed in a later cycle.

The invoice due date, payment amount, and accepted payment method will be shown on the invoice or Account.

Imported historical usage or delayed backfill may be shown separately from current-period usage and may not be included in dashboard summaries labeled as current-month or recent-period activity.

12. Payment Method and Recurring Payment Authorization

The Card Member must maintain an approved and valid payment method capable of paying all invoices when due.

By providing payment information and accepting the Agreement, the Card Member authorizes JapanETCcard and its payment processors to charge amounts properly due under the Agreement, including tolls, service fees, late fees, replacement fees, and other disclosed charges.

This authorization continues until the Account is fully closed and all final toll and service charges have been paid.

The Card Member must promptly update expired, replaced, blocked, or otherwise invalid payment information.

A failed automatic payment does not cancel the invoice or remove the obligation to pay.

13. Past-Due Accounts, Delinquency, and Late Fees

An invoice becomes past due when the full required payment has not been received by its stated due date.

Beginning seven days after the invoice due date, JapanETCcard may assess a ¥1,500 late fee . An additional ¥1,500 late fee may be assessed every seven days while any eligible invoice balance remains unpaid.

The late-fee policy applies to any unpaid invoice balance greater than ¥0 and does not require a minimum invoice amount, subject always to applicable law and any legally required limitation.

JapanETCcard will ordinarily provide payment notices and a reasonable opportunity to cure before treating an Account as seriously delinquent, unless immediate action is reasonably necessary because of fraud, abuse, chargeback risk, repeated default, or materially increasing toll exposure.

A single declined payment does not, by itself, automatically make the Account seriously delinquent. Failure to resolve the balance after notice may result in:

• Temporary suspension of Services.
• Deactivation or restriction of one or more ETC cards.
• Restriction of additional-card requests.
• Application of a security deposit to amounts due.
• Collection activity permitted by law.
• Termination of the Account.
• A requirement to return or destroy the Card.

14. Payment Questions, Disputes, and Chargebacks

Card Members must review invoices promptly and contact JapanETCcard Support as soon as possible regarding any suspected error, duplicate charge, unauthorized transaction, or incorrect toll.

Before submitting a dispute or chargeback through a bank or payment provider, the Card Member should first give JapanETCcard a reasonable opportunity to investigate and resolve the matter.

An unsupported, fraudulent, or abusive chargeback may result in immediate Card deactivation, Account suspension, termination, or recovery of actual third-party dispute costs to the extent permitted by law and disclosed to the Card Member.

Starting a chargeback does not cancel valid toll charges or other payment obligations.

JapanETCcard may request supporting information, including travel dates, route information, vehicle information, receipts, screenshots, or payment records.

15. Lost, Stolen, Retained, or Damaged Cards

You must notify JapanETCcard immediately if a Card is lost, stolen, damaged, retained by another person, compromised, or suspected of unauthorized use.

The Card Member remains responsible for charges incurred before JapanETCcard receives and can reasonably act on the report, except where applicable law requires otherwise.

JapanETCcard may deactivate the Card, investigate activity, request documents, and determine whether a replacement can be issued.

Replacement fees, delivery charges, identity verification, a new deposit, or other conditions may apply when disclosed and permitted by law.

A damaged, expired, replaced, or recovered Card must not be used unless JapanETCcard expressly confirms that it remains active.

16. Statements, Toll Data, and Corrections

Toll records are received from Road Administrators and other service providers. Posting dates may differ from travel dates, invoice dates, or payment dates.

JapanETCcard may correct a statement or invoice when toll data is corrected, supplemented, delayed, duplicated, reversed, or reclassified.

The Road Administrator's verified transaction record generally controls the underlying toll amount, vehicle class, entry point, exit point, discount, and travel details.

The Card Member must notify JapanETCcard promptly after discovering a suspected error. Delay may reduce the ability to investigate because Road Administrator records may be subject to retention limits.

Account dashboards and reports are provided for convenience and may not reflect tolls that have not yet been received or fully processed.

17. ETC Discounts, Mileage Services, and Promotions

Discounts, mileage benefits, promotional credits, and Road Administrator programs are subject to separate eligibility, registration, route, vehicle, time, payment, and usage requirements.

JapanETCcard does not guarantee any specific discount, savings amount, approval, mileage credit, or continuing availability of a third-party program.

A benefit may be denied or reversed when:

• The Card or onboard unit is not used correctly.
• The onboard unit is not properly configured for the vehicle.
• The required vehicle or Card was not registered.
• The route, time, vehicle class, or transaction is not eligible.
• The Road Administrator changes or ends the program.
• The Account is suspended, delinquent, or otherwise ineligible.

Any savings illustrations on the Website are estimates and do not guarantee an individual customer's results.

18. Additional ETC Cards, Separate Accounts, and Account Linking

18.1 Separate Account Required for Every Additional ETC Card

Any customer who wants an additional ETC card must create a separate customer account using a different email address for each additional card. An additional ETC card cannot be requested or added directly within the customer's existing account.

After the additional account has been created, the customer must provide JapanETCcard with the email addresses or usernames for the existing account and the additional account. JapanETCcard will then administratively link the accounts.

18.2 Deposit and Documentation Requirements

Each additional ETC card requires an additional refundable security deposit of ¥20,000 per card.

The customer must complete all requirements for each additional account, which may include:

• A separate and valid email address for the additional account.
• Completion of the account registration and acceptance process.
• Payment of the refundable ¥20,000 security deposit for each additional ETC card.
• Vehicle inspection or registration documentation for the additional vehicle.
• ETC onboard-unit setup documentation for the additional vehicle.
• Identity, ownership, or authorization documents when requested.

18.3 Effect of Linking Accounts

Account linking is provided for administrative convenience. Each ETC card remains associated with its own customer account, email address, login, deposit, vehicle information, and account records. Linking the accounts does not place the additional card inside the original account and does not remove the separate deposit requirement.

18.4 Cards for Another Individual or Legal Entity

A card for another individual or a separate legal entity requires that person or entity to create and accept a separate customer account and pay the security deposit applicable to that account. The reduced ¥20,000 additional-card deposit applies only when JapanETCcard approves the card as an additional card for the same legal contracting customer.

18.5 Responsibility for Linked Accounts and Cards

The Card Member remains responsible for every card, authorized user, vehicle, invoice, deposit, and payment obligation associated with the Card Member's linked accounts.

19. Prohibited Conduct

You must not:

• Use the Card for an unlawful or fraudulent purpose.
• Use a Card assigned to another person without authorization.
• Allow an unregistered person to use the Card.
• Copy, clone, alter, disassemble, or tamper with the Card.
• Circumvent a suspension, restriction, or Card deactivation.
• Provide false identity, vehicle, payment, or account information.
• Interfere with an ETC gate, onboard unit, website, or account system.
• Use an incorrectly configured onboard unit.
• Use a Card reported lost, stolen, damaged, expired, or canceled.
• Resell or commercially distribute the Card or Service.
• Use the Service in violation of toll-road or traffic rules.
• Threaten, abuse, harass, or impersonate staff or other customers.

20. Suspension, Restrictions, and Card Deactivation

JapanETCcard may suspend, restrict, or deactivate a Card or Account when reasonably necessary to protect customers, the Issuer, JapanETCcard, payment providers, or Road Administrators.

Reasons may include:

• Past-due or unpaid invoices.
• Repeated declined or reversed payments.
• A chargeback or payment dispute.
• Suspected fraud, theft, misuse, or unauthorized use.
• Incorrect or unverifiable account information.
• Failure to maintain required vehicle documents.
• Failure to pay a required deposit or approved deposit increase.
• Violation of this Agreement or Road Administrator rules.
• Failure to return a Card when requested.
• Material security, legal, or operational risk.

When reasonably practicable, JapanETCcard will provide notice and information about steps required to restore service. Immediate action may be taken when delay would create material risk.

The Card Member must not attempt to use a suspended or deactivated Card.

21. Cancellation and Termination

A Card Member may request cancellation through the approved cancellation process. Cancellation is not complete merely because the Card is no longer being used.

JapanETCcard may terminate the Agreement for material breach, repeated non-payment, fraud, unauthorized use, legal or regulatory requirements, service discontinuation, or another legitimate business or security reason.

Following cancellation or termination, the Card Member must:

• Stop using the Card immediately.
• Complete and submit the online cancellation request.
• Destroy the Card, including permanently damaging the embedded chip so that the Card can no longer be used.
• Submit a clear photograph of the front of the destroyed Card showing the entire Card, all identifying numbers, and the visibly damaged chip.
• Provide return tracking information, additional destruction evidence, or other confirmation if requested by JapanETCcard.
• Pay all outstanding toll charges, including any toll transactions received or invoiced after cancellation.
• Pay all other amounts properly due under the Agreement.

JapanETCcard may require physical return rather than destruction in particular cases.

22. Final Billing After Cancellation

Toll transactions may continue to arrive after a Card is deactivated because toll billing is generally delayed.

The Account remains responsible for all travel occurring before the effective cancellation or deactivation time, even if the toll is reported later.

JapanETCcard may keep the Account open for final reconciliation and retain an appropriate portion of the security deposit until:

• The Card return or destruction requirement is satisfied.
• Expected delayed toll-reporting periods have passed.
• All toll and service transactions have been received.
• All invoices, fees, and adjustments have been resolved.
• No pending dispute, chargeback, investigation, or claim remains.

23. Refunds, Credits, and Security Deposit Return

23.1 Toll and Service Charges

Valid tolls and fully performed services are generally not refundable. This does not limit rights provided by mandatory law or prevent correction of an actual billing error.

23.2 Security Deposit Return

A remaining refundable security-deposit balance will be returned after final Account reconciliation, subject to:

• Verification that all Cards were returned or properly destroyed.
• Receipt of final delayed toll transactions.
• Payment or offset of all outstanding amounts.
• Resolution of payment disputes and chargebacks.
• Verification of the refund recipient and destination.

JapanETCcard may deduct amounts properly due under the Agreement from the deposit before returning the remaining balance, to the extent permitted by law.

23.3 Promotional and Referral Credits

Promotional or referral credits are not cash deposits and are governed by their separate program rules. They may expire, be reversed, or be canceled if eligibility requirements are not met.

24. Service Availability and Third-Party Systems

JapanETCcard will use reasonable efforts to provide the Service but does not guarantee uninterrupted access to:

• ETC lanes or toll-road systems.
• Road Administrator transaction data.
• The Website or customer dashboard.
• Payment-processing systems.
• Email, SMS, or other communications.
• Third-party discounts or mileage systems.

Service may be delayed or unavailable because of maintenance, outages, road conditions, disasters, communications failures, cyber incidents, government action, third-party failures, or other circumstances outside reasonable control.

A system or gate failure does not authorize unsafe driving or non-payment of a valid toll.

25. Limitation of Liability

To the maximum extent permitted by applicable law, JapanETCcard and the Issuer are not responsible for losses caused solely by:

• Road Administrator decisions or toll-gate operations.
• Incorrectly installed or configured onboard equipment.
• Vehicle malfunction or driver error.
• Failure to follow toll-road or traffic instructions.
• Unauthorized use before a loss report can reasonably be acted upon.
• Third-party network, payment, or communications failures.
• Loss of a discount or benefit for which eligibility was not met.
• Events outside reasonable control.

Nothing in this Agreement excludes or limits liability that cannot legally be excluded or limited, including liability arising from intentional misconduct, gross negligence, or mandatory consumer protection law.

Any limitation will be interpreted only to the extent permitted by Japanese law.

26. Customer Responsibility for Losses

To the extent permitted by law, the Card Member is responsible for reasonable losses, costs, claims, and expenses directly caused by:

• The Card Member's material breach of this Agreement.
• Fraudulent, unlawful, or unauthorized conduct.
• Knowingly providing false information.
• Improper transfer, lending, or misuse of the Card.
• Failure to return or properly destroy a Card when required.
• Damage caused by tampering with the Card or ETC equipment.

This provision does not require a consumer to compensate JapanETCcard for losses caused by JapanETCcard's own unlawful conduct, gross negligence, or other liability that cannot be shifted under applicable law.

27. Privacy and Personal Information

JapanETCcard may collect, use, store, verify, and disclose information necessary to administer the Service, including:

• Identity and contact information.
• Vehicle and ETC onboard-unit information.
• Toll-road travel and transaction records.
• Invoices, payment status, and security deposits.
• Support communications and account history.
• Fraud, security, and compliance information.

Information may be shared with the Issuer, Road Administrators, payment providers, delivery providers, technology vendors, professional advisers, authorities, and other parties as described in the Privacy Policy or as required by law.

For complete details, review the JapanETCcard Privacy Policy .

28. Electronic Communications and Notices

The Card Member agrees that JapanETCcard may provide invoices, receipts, security notices, payment notices, account updates, service announcements, and contractual notices electronically.

Notices may be provided through:

• Email.
• The customer dashboard.
• SMS or telephone when appropriate.
• The Website.
• Postal mail or delivery service.

The Card Member must maintain a working email address and current contact information and must check account communications regularly.

Marketing communications are subject to applicable consent and opt-out requirements. Operational or legally required notices may still be sent when permitted by law.

29. Changes to These Terms

JapanETCcard may revise this Agreement when reasonably necessary because of:

• Changes in law or regulatory requirements.
• Changes in ETC System or Road Administrator rules.
• Security or fraud-prevention requirements.
• Changes to payment, billing, or card administration.
• New or modified Services.
• Operational or technical requirements.

The updated Agreement will identify its effective or updated date. Material changes will be communicated through a reasonable method and with advance notice when required by law or reasonably practicable.

Changes will not be applied retroactively when prohibited by law. Continuing to use the Card or Service after the effective date may constitute acceptance of the revised Agreement.

If you do not accept a material change, you must stop using the Card and complete the cancellation and Card-return process.

30. General Provisions

30.1 Assignment

The Card Member may not transfer this Agreement or an Account without prior written approval. JapanETCcard may transfer or assign its rights and obligations as part of a lawful reorganization, service transfer, financing, or business transaction, subject to applicable law.

30.2 No Waiver

Failure to enforce a provision immediately does not waive the right to enforce it later.

30.3 Severability

If a provision is found invalid or unenforceable, it will be limited or removed only to the minimum extent necessary. The remaining provisions will continue in effect.

30.4 Entire Agreement

The documents identified in Section 2 constitute the agreement concerning the Card and Service, except for rights or obligations that cannot legally be modified by contract.

30.5 Survival

Payment obligations, final billing, privacy, dispute, liability, deposit reconciliation, and other provisions that logically continue after cancellation will survive Account closure.

31. Governing Law and Dispute Resolution

This Agreement is governed by the laws of Japan, without excluding mandatory protections that apply to the Card Member.

Before starting formal proceedings, the parties should attempt in good faith to resolve the matter through JapanETCcard Support.

Any court proceeding will be brought before the Tokyo District Court or another court having lawful jurisdiction under applicable Japanese procedural and consumer-protection rules.

Nothing in this section removes a consumer's right to use another court, administrative procedure, consultation service, or remedy where that right cannot legally be restricted.

32. Language and Translation

JapanETCcard may provide this Agreement in English, Japanese, or other languages.

Translations are provided to improve customer understanding. If versions differ, the controlling version will be the version identified in the Card Member's signed or electronically accepted User Agreement, subject to mandatory Japanese law.

The bilingual conditions printed on the Card are intended to communicate the same obligations in both languages.