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Disclaimer

Last updated: March 15, 2026

What FinBuddy Is

FinBuddy Japan is:

  • An educational platform providing general information about Japan's financial systems in English
  • Based on publicly available laws, regulations, and government publications (国税庁, 金融庁, 年金機構, etc.)
  • Equivalent to a published reference book or educational article — translated and organized for English speakers
  • A provider of calculation tools that apply publicly known formulas and officially published rates

What FinBuddy Is NOT

FinBuddy Japan is NOT any of the following:

  • A 税理士事務所 (licensed tax accountant office)
  • A provider of 税務相談 (tax consultation) as defined under 税理士法第2条 (Certified Tax Accountant Act, Article 2)
  • A provider of 税務代理 (tax representation) — we do not file taxes on your behalf
  • A preparer of 税務書類 (tax documents) — we do not create official tax filings
  • A licensed financial advisor under 金融商品取引法 (Financial Instruments and Exchange Act)
  • A substitute for professional advice from a licensed 税理士, ファイナンシャルプランナー, or 弁護士

Specific Disclaimers by Service

AI Chat

Our AI chatbot provides general educational information based on publicly available rules, regulations, and government publications. Responses are not personalized professional advice. The AI may occasionally produce errors or outdated information. Always verify important details with official sources before making financial decisions.

Calculators and Tools

Our calculators and interactive tools produce estimates based on standard formulas and publicly available tax rates, brackets, and rules. Results are approximations and should not be treated as guaranteed figures. Actual amounts may vary based on your specific circumstances, municipal variations, and regulatory changes.

Guide Articles

Our written guides are educational content equivalent to published reference materials. They explain how Japan's financial systems generally work based on publicly available information. They do not account for every individual circumstance and should not be relied upon as the sole basis for financial decisions.

Affiliate Links

Some pages contain affiliate links to financial products and services (NISA accounts, insurance, mortgage providers, etc.). We may earn commissions when you sign up through these links. We never recommend a worse product for higher commission. Our editorial recommendations are based on genuine suitability, and we clearly label affiliate links.

Consultation Sessions

Our consultation sessions are educational guidance, not professional 税務相談 (tax consultation) or licensed financial advice. Consultants help you understand Japan's financial systems as they may apply to your situation. For tax filing, document preparation, or legally binding advice, we recommend partnering with a licensed 税理士.

Accuracy

All information on FinBuddy is believed to be accurate at the time of publication. However, Japanese tax laws, rates, regulations, and financial rules change — sometimes annually. We make reasonable efforts to keep content current, but always verify with official sources (国税庁, 金融庁, 年金機構, your local 市区町村役所) before acting on any information.

Your Responsibilities

By using FinBuddy Japan, you acknowledge and agree that:

  • You should consult licensed professionals for your specific situation:
    • 税理士 (certified tax accountant) — for tax filing, specific tax questions, and tax document preparation
    • ファイナンシャルプランナー (FP) — for personalized financial planning
    • 弁護士 (lawyer) — for legal matters, disputes, and contract review
  • You should verify information with official sources, including 国税庁, 金融庁, and 年金機構
  • You are responsible for your own financial decisions — FinBuddy provides information to help you make informed choices, but decisions and their consequences are yours
  • You should not submit your マイナンバー (My Number) or other sensitive personal identification through our AI chat or tools

Governing Law and Jurisdiction

This disclaimer and your use of FinBuddy Japan are governed by and construed in accordance with the laws of Japan.

Any disputes arising from or in connection with the use of this Service shall be subject to the exclusive jurisdiction of the Tokyo District Court (東京地方裁判所) as the court of first instance.

Contact

If you have questions about this disclaimer or our legal positioning, contact us:

Email: support@finbuddy.jp
Operator: LAIRIA Holdings

See also: Terms of Service · Privacy Policy

FinBuddy provides general educational information about Japan's financial systems based on publicly available laws and regulations. This is NOT tax advice (税務相談), financial advice, or any form of professional consultation as defined under 税理士法, 金融商品取引法, or related legislation. For advice specific to your situation, please consult a licensed 税理士 (certified tax accountant) or ファイナンシャルプランナー (financial planner). FinBuddy is an educational tool, not a substitute for professional advice.