1.1. We are The FiiN.JP (“”we”, “us”, or “our”), a limited company registered in Tokyo, Japan.

1.2. These Terms and Conditions apply whenever you:

• use FiiN.JP, FiiN.JP mobile, electronic devices and online digital platforms and services (together “FiiN.JP”) and access the content and services available on them; and
• purchase access to FiiN.JP, the Newspaper and/or the FiiN.JP Content (together, the “FiiN.JP Services”) on a subscription basis.

1.3. You should read these Terms and Conditions carefully before using FiiN.JP and/or FiiN.JP Content or subscribing to the FiiN.JP Services. By accessing, using or subscribing to any of the above, you agree to be bound by these Terms and Conditions (as applicable) and the documents referred to in them.

1.4. If you access FiiN.JP under an organisation’s subscription agreement, then your access is primarily governed by the subscription agreement between us and that organisation. In the event of any conflict between these Terms and Conditions and the organisation’s subscription agreement (as applicable), the terms of the organisation’s subscription agreement shall prevail to the extent of the inconsistency only. If you have any questions about the FiiN.JP or if you have any difficulties using FiiN.JP, please contact us by sending email to us at editor*fiin.jp (replace * with @).

Ownership of FiiN.JP and FiiN.JP Content

2.1. FiiN.JP and FiiN.JP Content and all intellectual property rights in each are owned by us, our licensors or both (as applicable). Intellectual property rights means rights such as: copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We reserve all of our rights in any intellectual property in connection with these Terms and Conditions. This means, for example, that we remain owners of them and free to use them as we see fit.

2.2. Nothing in these Terms and Conditions grants you any legal rights in FiiN.JP or the FiiN.JP Content other than as necessary to enable you to access FiiN.JP and use the FiiN.JP Services. You agree not to adjust, to try to circumvent or delete any notices contained on FiiN.JP (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within FiiN.JP.

2.3. “FiiN.JP” and “FiiN” are registered trade marks and you may not use them without written permission from FiiN.JP. You are permitted to use the FiiN.JP Content only as set out in our Copyright Policy.

Accessing and using FiiN.JP Content 

2.4. You agree to comply with our Copyright Policy when using FiiN.JP Content. You are responsible for all use of FiiN.JP Content whether accessed without a Subscription as a registered user, under your Subscription, or under your organisation’s Subscription.

2.5. To the fullest extent permitted by law, we expressly prohibit any use of our content or data (including any associated metadata) in any manner for any machine learning and/or artificial intelligence purposes, including without limitation for the purposes of training or development of artificial intelligence technologies or tools or machine learning language models, or otherwise for the purposes of using or in connection with the use of such technologies, tools or models to generate any data or content and/or to synthesise or combine with any other data or content. We reserve all rights to license any use of our content and data for any such purposes.

Comments and other User Generated Content

2.6. FiiN.JP includes comments sections, blogs and other features that allow interaction between users and between users and FiiN.JP journalists (“Forums”). If you post a comment or any other information to these Forums (“User Generated Content” or “UGC”) then you must comply with our commenting guidelines plus any specific rules posted on the Forum. You are responsible for all the content of any of your UGC that you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not in accordance with these Terms and Conditions or that otherwise relates to your UGC.

2.7. You own the copyright in your UGC, and you grant FiiN.JP a right (but not an obligation) unlimited in time to publish, re-use, archive, modify, delete or commercially exploit that UGC in whole or in part as we see fit, whether on FiiN.JP or otherwise, without any requirement to pay you for this and with or without attribution to you. You also waive any moral rights that you may have in regard to the UGC.

2.8. You must not post any UGC that we believe to be: 

• illegal, offensive, libellous or indecent;
• harassment or bullying, including making personal attacks on other commenters; 
• misinformation; 
• hate speech, including anything which makes attacks on the grounds of race, religion, sex, gender, sexual orientation, disability or age; 
• irrelevant to the Forum or the Forum’s topic; 
• spam, including any any form of advertising or promotion for goods and services or any form of unsolicited communication;
• impersonation, including impersonation of FiiN.JP employees or of Forum guests or hosts, or misrepresenting any connection with any person or entity;
• private or confidential information or trade secrets of any person or entity; 
• infringing copyright or other intellectual property rights;
• in breach of financial services regulations, such as recommendations to buy or not buy a particular share or investment or anything which otherwise has the purpose of affecting the price or value of any share or other investment; 
• harmful, such as software viruses, files or code designed to interrupt, destroy or limit the functionality of FiiN.JP or any computer software or equipment; or 
• against our commenting guidelines. 

2.9. You must not: 

• collect or store other users’ personal data; or
• restrict or inhibit any other user from using the Forums. 

2.10. It is not possible for FiiN.JP to fully monitor all UGC published on FiiN.JP but where we have actually received notice of any UGC that is potentially illegal or potentially in breach of these Terms and Conditions, then we will review that UGC, decide whether to remove it from FiiN.JP and act accordingly. If you are aware of any such UGC, please notify us immediately with specific details, using the “report” function on FiiN.JP, or by contacting us at support*fiin.jp (replace * with @).

2.11. We can link your UGC, including anything posted under a pseudonym, to your FiiN.JP account. Our moderation and community team may contact you from time to time regarding your UGC.

2.12. If you breach our Terms and Conditions regarding UGC, then we may: 

• remove any UGC you have posted that breaches our Terms and Conditions; 
• ban you (temporarily or permanently) from participating in UGC on FiiN.JP; and 
• at our discretion, remove any other UGC you have posted. 

Accuracy of information and availability of FiiN.JP

2.13. While we try to make sure that FiiN.JP and all FiiN.JP Content is accurate, up-to-date and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that FiiN.JP will be fit or suitable for any purpose. Any reliance that you may place on the information on FiiN.JP is at your own risk.

2.14. FiiN.JP Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes.

2.15. We may suspend or terminate operation of FiiN.JP or any part thereof at any time as we see fit.

2.16. While we try to make sure that FiiN.JP is available for your use, we do not promise that FiiN.JP is available at all times nor do we promise the uninterrupted use by you of FiiN.JP.

Third party sites and products

2.17. FiiN.JP may contain hyperlinks or references to third party websites and third party products. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any products, content, material or information contained in them. The display of any hyperlink and reference to any third party website or third party product (including any advert or sponsor) does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.

2.18. Any agreements, transactions or other arrangements made between you and any third party named on (or linked to/from) FiiN.JP are at your own responsibility and entered into at your own risk.

3.1. Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with our Privacy Policy, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information.

4.1. FiiN.JP makes no warranty, express or implied, regarding your Subscription, FiiN.JP, FiiN.JP Content or FiiN.JP Services, which are provided ‘as is’. We expressly disclaim all warranties to the extent permitted by law, including but not limited to warranties of fitness for a particular purpose.

4.2. Except for any legal responsibility that we cannot limit or exclude in law (such as for death or personal injury), in the event that you suffer any losses arising in connection with your Subscription, or your use of FiiN.JP, FiiN.JP Content or FiiN.JP Services:
(a)  our total liability to you shall not exceed the total sums paid by you for your current Subscription; and
(b)  we shall not be liable or legally responsible in any way (whether in contract, tort (including negligence) or otherwise) for:
              (i) any loss that was not foreseeable to you or the FiiN.JP when the contract was formed;
              (ii) any loss that was not caused by any breach on FiiN.JP’s part;
              (iii) any business loss (including business interruption, or loss of revenues, sales or business opportunity);
              (iv) any loss of profits, anticipated savings, goodwill, reputation, or data;
              (v) any loss of use or corruption of software or technical equipment;
              (vi) any loss to non-consumers; and
              (vii) any indirect or consequential loss
in each case even if we have been advised that such damages may arise.

4.3. The limitations of liability in this section 3 apply for the benefit of FiiN.JP, its affiliates, including those listed in section 5 and all of their respective officers, directors, employees, agents or any company who we transfer our rights and obligations to in accordance with these terms and conditions.

5.1. These Terms and Conditions were published on 20 June 2024 and replace with immediate effect the Terms and Conditions all previously published versions if any.

5.2. We may update these Terms and Conditions for legal or regulatory reasons, or to reflect changes in our services or business practices. We will provide notice of any significant changes below. You should regularly check this section to see if any changes have been made. If you are a paying subscriber, any changes to our terms and conditions will become effective from the date of your next payment following the change unless we notify you otherwise. If you are not a paying subscriber, any changes will become effective as soon as we post them on FiiN.JP.

6.1. If you are a user whose principal address or principal use of FiiN.JP occurs in any jurisdiction other than the United States then these Terms and Conditions will be subject to Japanese law. In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the courts of Japan will (subject to the final paragraph in this section 5) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms and Conditions.

6.2. If you are a user whose principal address or principal use of FiiN.JP occurs in the United States then these terms and conditions will be subject to the laws of the State of New York, without regard to its conflict of laws provisions. In this case, to the extent possible in the applicable jurisdiction, both you and we agree that the courts of the State of New York will (subject to the final paragraph in this section 6) have non-exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms and Conditions.

7.1. We shall have no liability to you for any breach of these Terms and Conditions caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; epidemic or pandemic; breakdown of systems or network access; or flood, fire, explosion or accident.

7.2. You may not licence or transfer any of your rights under these Terms and Conditions. We may transfer any of our rights or obligations under these Terms and Conditions to any company within the Financial Times group of companies, but if we do so we will ensure that any company to whom we transfer our rights or obligations will continue to honour your rights under them.

7.3. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms and Conditions, which will remain in full force and effect.

7.4. Failure by either party to exercise any right or remedy under these Terms and Conditions does not constitute a waiver of that right or remedy. Headings in these Terms and Conditions are for convenience only and will have no legal meaning or effect.

7.5. These Terms and Conditions (together with the documents referred to within these Terms and Conditions including in sections 1.4) constitute the entire agreement between you and the FiiN.JP relating to your use of the FiiN.JP Services. They supersede all previous communications, representations and arrangements, either written or oral.