Private Policy

Article 1 (Acquisition of Personal Information)

When customers use this service, in addition to directly requesting personal information from customers, the company will also obtain personal information of customers through credit investigation agencies or identity verification services performed by third parties. When requesting personal information from customers, the company will strive to clearly state the purpose and obtain the customer’s consent. In addition, from the time the customer accesses or uses the services provided by the company, it is deemed that the customer has agreed to these terms and consent to the company to collect the customer’s personal information.

• （1）When a customer uses this service, the company will obtain the following information of the customer from the customer or through a business partner.
  ・Contact information such as name, address, phone number, birthday, gender, nationality, occupation, email address, password, company or group name, job title, company address, etc.
  ・Information about representatives, business contents, information about beneficial owners, information about other companies, licenses, household registration and other information related to certificates issued by state agencies
  ・Information related to certificates issued by state agencies, such as identification documents, current residence address certificates, etc. ・My Number and other specific personal information
  ・Bank-related information such as credit card information, bank account balances, transaction records, usage records, etc. obtained from third-party companies connected to the API
  ・ID and verification information of the website of the website operated by a third-party financial institution
  ・All information provided by other partners accompanying this service
• （2）When accessing the Service, the Company will request the following information from the customer.
  ・The usage history of this service, including cookies and access records, etc.
  ・Communication information such as the device and location used by the customer (including IP address, browser information, browser language, etc.)

In addition, when customers use customer service, in order to improve service quality and maintain information security, the telephone content will be recorded.　

Article 2 (Use of Personal Information)

The personal information that the company requests from customers will be used for the following purposes.
The company will not use customer information for purposes other than those described below, unless the customer consents or is legally permitted.

• ・Used for identity verification when the customer opens an account
• ・Manage and protect customers’ personal information
• ・Notify customers of the registration status of this service by e-mail, etc.
• ・When a transaction is made, a notification related to the transaction is sent
• ・When providing customer service
• ・Service improvement to meet customer needs and development of new service contents
• ・Notices about the use of this service and promotion of advertisements
• ・Publishing the relevant results of personal information statistics
• ・Adjust and improve the content of this service in accordance with overall customer needs
• ・When resolving disputes arising from the operation of this service
• ・In order to review, prevent or correct improper use of this service
• ・When examining the legitimacy of customers’ personal information for business partners with the company

Article 3 (Disposal of Sensitive Information and Specific Personal Information, etc.)

• （1）Handling of Sensitive Information
  Except for the following circumstances, the company will not collect or use sensitive information from customers(※).
  (※) Sensitive information refers to information related to privacy such as one’s race, social status, criminal record, etc., or information that needs to be handled with care, such as state secrets.
  ・After the customer’s express consent
  ・When the information is required to protect life or property
  ・When it is necessary to present this information to a financial institution or a business partner of the company in order to investigate whether the service is being abused
  ・When the information is required for the execution of legal procedures
  ・In order to improve public health or promote the healthy development of children
  ・In the case of a national agency or local organization that assists in the execution of legal procedures
• （2）Handling of specific personal information, etc.
  Use and manage in accordance with the Act on the Protection of Personal Information (Act No. 57 of May 30, 2015) and the content of the law regarding the use of My Numbers (Act No. 27 of May 31, 2015) These specific personal information (※), and protect this information as much as possible.
  (※) Specific personal information refers to personal information including My Number, etc.

Article 4 (Management of Personal Information)

The company will use the information encryption technology or firewall of the SSL protocol to store the acquired personal information in the database of the company in Japan. The authority to access personal information is limited to the personnel of the company performing related business. In order to avoid improper access, information loss, destruction, tampering, etc., corresponding security measures will be implemented, and appropriate measures will be taken when necessary.
When the customer requests the company to delete the customer’s information, the company will indeed delete the information. However, if there is a need to resolve disputes, prevent improper behavior, or legally require the company to undertake obligations, the company will temporarily hold the customer’s personal information during the period.

Article 5 (About sharing personal information with third parties)

Except for the following legitimate reasons, the company will not provide customers’ personal information to third parties.

• ・When the customer’s consent is obtained in advance
• ・When the company is required to present the customer’s personal information by a court, administrative agency, supervisory agency or other state agency, and the company refuses the request without a reasonable reason
• ・When the personal information needs to be disclosed in order to comply with the rules of the credit card association
• ・When it is necessary to present the customer’s personal information in order to protect life and property, and it is difficult to obtain the customer’s consent
• ・When it is necessary to disclose the personal information in order to improve public health or promote the healthy development of children, and it is difficult to obtain the consent of the customer
• ・When the company judges that it is necessary to present the personal information in order to investigate whether the service is being abused
• ・When the company determines that it is necessary to present the personal information in order to resolve a dispute with a third party
• ・When the company’s business is inherited due to the merger or division of the company, etc.

Article 6 (Personal information sharing among users of this service)

When a customer remits money through this service, the customer’s personal information will be shared with the recipient of the remittance. In addition, when customers access this service through other companies or personal websites, personal information and other information will also be shared with the companies.
However, without the consent of the person, the company will not share the customer’s personal information with others for reasons related to the use of this service. When making payment through a third party such as a merchant, the company may share the customer’s contact information with the third party when it is necessary to prove that the customer is a user of the service.

Article 7 (Transfer of personal information abroad)

For personal information collected from customers within the scope of the purpose of use, such as in order to implement foreign customer service or countermeasures against improper behavior, the company may provide all or part of this personal information to foreign business partners.
The authority to access personal information will be limited to local personnel who perform the business, and the company will make every effort to properly manage and protect the personal information of customers.

Article 8 (Confirmation and Change of Customer Information)

Regarding the personal letter registered by the customer in this service, the company has the right to take the following measures.

• （1）Confirmation of customer information
  When a customer asks the company to present personal information, the company will provide it as soon as possible after confirming it with the person, except in the following cases.
  ・When the company cannot confirm whether the request came from the person or not
  ・When presenting the information will cause damage to the life, body, property, or other rights and interests of the person or a third party
  ・The presentation of this information will cause a significant obstacle to the execution of the company’s business
  ・Presentation of this information will result in a violation of the law
• （2）Modify, add, delete existing personal information
  When the customer requests to modify, add, or delete the existing personal information, the company will provide it as soon as possible after confirming that the request is from the customer himself or his authorized agent, or when the request has sufficient legal basis. Take countermeasures based on the results. However, it may still be impossible to respond to the request due to technical limitations. In addition, when personal information is deleted, if legal obligations such as resolving disputes and preventing abuse arise, the company will temporarily continue to hold the personal information for a certain period of time.
• （3）Stop using the service or stop providing it by a third party
  When a customer requests to stop using their personal information, or is asked to stop providing personal information with a third party, the company will take prompt measures based on the Personal Information Protection Act.

Article 9 (About the use of cookies)

“Cookie” refers to a small text file stored in hardware that is sent by the site server to the browser of the customer’s computer or mobile phone when the customer visits the website.
The company uses cookies for the following purposes.

• ・Used to identify whether a customer is a customer of the company
• ・Provide suitable services and content according to customer preferences
• ・Check the promotion effect of our company
• ・Confirm whether the customer’s account is exposed to risk
• ・Avoid service abuse and reduce risks
• ・Enhance the reliability and safety of the company as a whole

Before receiving cookies, customers can set a security warning before receiving cookies through their browsers, and can refuse to receive cookies, but if they refuse to receive cookies, they may be restricted in part of the use of this service.

Article 10 (Disclaimer)

The company expects to be able to take complete measures in the operation of this service, but cannot guarantee its content. For those other businesses or personal websites that embed links to this site and this service page on the website, the company will not be responsible for any loss or damage caused thereby. Please check the content of those websites in detail before deciding whether to use them. And for the damage caused by the delay, stop, data loss of this service, or data loss or tampering caused by bad access when the communication line or system fails, except for the reasons that should be attributable to the company, this The company will not take all responsibility.

Article 11 (Use of Google Analytics)

This service will use “Google Analytics” provided by Google and use cookies to collect user data. The data will be collected in an anonymous form and will not be used to identify individuals. Customers can object to the collection of user data by disabling cookies. Please refer to the Google Analytics Terms of Use or Google’s Policies and Terms page for details of this Policy.

Article 12 (Software Module Settings of Other Enterprises)

In order to analyze the customer’s use of the service and advertising effects and other data, the company will incorporate software modules from other companies into the service in the future. The company will provide information other than personally identifiable information to module operators. Personal information provided by customers will be managed in accordance with the privacy policy or other relevant regulations set by the module operator.

Article 13 (Establishment date and revision date of privacy policy)

In order to improve this policy, the company will adjust the content of this policy at any time. In addition, the company has the right to modify the content of this policy at any time. The latest version of the Privacy Policy will be published on this site and will take effect from the date of revision. When there are major changes to this policy, the company will publish it on the latest information on this site to inform customers.

Formulation date: March 23, 2022
Revision Date: August 23, 2022