You should carefully read the following terms and conditions (the "Terms"). The Terms govern your use of this website (this "Site"), including the content, materials and information available on or through this Site. The Site contains general information about Gojo & Company, Inc. (“Gojo”) and its subsidiaries and is directed at management teams and investors interested in partnering with Gojo. By using this Site, you acknowledge that you have read, understood and agree to the Terms. If you do not agree to abide by these Terms, do not use this Site.

Gojo is a holding company of microfinance institutions (“MFI”s) around the world. The company is headquartered in Tokyo and has subsidiary microfinance institutions in various countries (we sometimes call the subsidiary MFIs “partner MFIs” with respect). The Site sometimes uses the word Gojo as if Gojo is a single entity solely doing microfinance in many countries, but there is no such single entity, and all of the entities that comprise our group have their own separate legal existence.

We reserve the right to track visitors to, and usage of, this Site through "cookies" and similar techniques and to use any resulting information as we determine in our sole discretion.
Gojo takes appropriate steps to protect information about you that is collected, processed, and stored according to the relevant regulation. Please consider this carefully before sending us any information that you deem confidential or proprietary.

The purpose of this Site is limited to providing you with general information about us. Nothing on this Site is intended to constitute or forms a part of (i) an offer, or solicitation of an offer, to purchase or sell any security, other asset or service, (ii) investment advice or an offer to provide such advice, or (iii) a basis for making any investment decision. Except as expressly stated by an Gojo entity in writing, this Site does not make any effort to present a comprehensive or balanced description of Gojo or its activities.

This Site contains material, including but not limited to text, graphics, video, audiovisual works, logos, photographs, icons, images, audio clips, and software (collectively referred to as the "Content"). We may own the Content or portions of the Content may be made available to us through arrangements that we have with third-parties. The Content is protected by Japan and foreign intellectual property laws. Unauthorized use of the Content may result in violation of copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use, copy or display the Content except as permitted under these Terms.
We reserve all rights with respect to the design, look and feel and content of this Site, such as text, images, photographs, audio and code used to generate the pages of this Site. In particular, you must not misappropriate the design or content of this Site and you must not alter or deface such design or content in any way. Use of the Site does not grant you a license to any content, features or materials you may access on this Site.

We make no representations or warranties with regard to the Content’s accuracy, completeness, non-infringement or fitness for a particular purpose.

You agree to defend, indemnify, and hold harmless Gojo from and against any claims, actions or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from your breach of these Terms or your access to, use, or misuse of the Content or Site.
Effective Date: 20 April 2017


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