Privacy Policy
Handling of Personal Information in Installment Sales
1. Purposes of Use of Personal Information
We use your personal information within the scope necessary for the following purposes of use in installment sales.
If you do not provide the necessary personal information, we may not be able to provide this service.
| Purpose of Use of Personal Information | Utilized Information |
|---|---|
| (1) Identity verification of applicants with regard to installment sales | [1] – [5], [7], [8] |
| (2) Screening and other related operations with regard to installment sales | [1] – [8] |
| (3) Operations relating to billing and fee collection | [1], [3] – [5], [7], [8] |
| (4) Operations relating to information provision and questionnaires associated with services and products | [1], [3], [5], [7], [8] |
| (5) Operations relating to the improvement of services and products or the development of new services and products | [1], [3], [5], [7], [8] |
| (6) Operations relating to after-sales service and other services that we provide | [1], [3] – [5], [7], [8] |
| (7) Other operations associated with the operations enumerated above, which are related to installment sales | [1], [3] – [5], [7], [8] |
| Personal Information Used |
|---|
| [1] Information such as your name, address, date of birth, age, gender, phone number, and email address |
| [2] Information written on identity verification documents such as your driver’s license |
| [3] Information related to your application, such as the service name, application date, contract date, and customer number |
| [4] Information relating to payment methods, such as transfer deposit accounts and credit cards |
| [5] Information relating to billing and payments, such as usage fees, payment status, and payment date |
| [6] Information obtained from affiliated personal credit information agencies*, such as credit usage history, past debt payment status, etc. |
| [7] Content of feedback, inquiries, etc., and other information acquired in connection with installment sales |
| [8] Personal information that is publicly available, such as from the Official Gazettes of the Japanese government or telephone directories |
*Refer to Section 2. for information regarding affiliated personal credit bureaus.
2. Provision, Registration, and Use of Personal Information to Affiliated Personal Credit Bureau
Our company inquires to the personal credit bureaus (hereinafter "affiliated personal credit bureaus") that our company is affiliated with and the personal credit bureaus affiliated with these agencies regarding personal information related to individual installment purchase contracts, and if the contractor's personal information is registered, our company uses it for the investigation of the contractor's payment ability and repayment ability.
Our company provides and registers personal information related to individual installment purchase contracts to affiliated personal credit bureau in the form of data or documents. This information is used by the members of the affiliated personal credit bureau and the members of the personal credit bureaus affiliated with these agencies for investigations related to payment ability and repayment ability.
Personal Information to Be Registered and the Period of Registration
| Information to Be Registered | Period of Registration |
|---|---|
| (1) Identifying information, such as your name, date of birth, address, phone number, and number on your driver’s license or other such documents. Information relating to contract details, such as contract type, contract date, contract amount, loan amount, product name, and number of payments. Information relating to payment status, such as usage balance, payment date, date of full payment, and delinquency. | • Period during which any of the information listed in (2) to (4) at left is registered |
| (2) The fact that you applied for an individual installment purchase contract | • Six months from the date we made an inquiry to a personal credit bureau |
| (3) Objective transaction facts regarding individual installment purchase contracts | • During the contract period and within five years after the end of the contract (if not fully paid, after the full payment) |
| (4) The fact that payment of a debt has been delayed | • During the contract period and five years from the end of the contract (if not fully paid, after the full payment) |
Affiliated Personal Credit Bureau
Credit Information Center CORP. (CIC)
(Installment Sales Act-designated credit bureau)
15F Shinjuku First West Bldg., 1-23-7 Nishi-Shinjuku, Shinjuku-ku, Tokyo 160-8375, Japan
Tel: 0570-666-414
Personal Credit Bureaus affiliated with Affiliated Personal Credit Bureau
Personal Credit Information Center, Japanese Bankers Association
1-3-1 Marunouchi, Chiyoda-ku, Tokyo 100-8216, Japan
Tel: 03-3214-5020
Japan Credit Information Reference Center Corp.
9F Sumitomo Fudosan Ueno No.5 Bldg., 1-10-14 Kita-Ueno, Taito-ku, Tokyo 110-0014, Japan
Tel: 0570-055-955
Note: For more information about the membership qualifications, member company names, etc. of the above credit information agencies, please visit the websites of each personal credit bureau.
3. Certified Personal Information Protection Organization to Which Our Company Belongs
Our company is a business operator subject to the following certified personal information protection organizations based on the Act on the Protection of Personal Information.
If you still have questions after receiving an explanation from our company regarding the handling of personal information, please contact them directly if you need consultation.
Note: This is not a contact point for inquiries regarding products or services.
Inquiries
Japan Consumer Credit Association
6F Sumisei Nihonbashi Koami-cho Bldg., 14-1 Nihonbashi Koami-cho, Chuo-ku, Tokyo 103-0016, Japan
Tel: 03-5645-3360
4. Personal Information Administrator
Deputy general manager, Corporate Management Division, OPTAGE Inc.
5. Matters for Public Disclosure
Personal information-related inquiry and public disclosure procedures