SBI Shinsei Bank, Limited (the "Bank") positions the protection of customers' personal information as a very important management mission. We intend to fulfill our customers' expectations by appropriately protecting and managing such personal information.
Click here for the address of the Bank and the name of its representative:
When handling customers' personal information and 'social security and tax numbers' ("Individual Numbers") (collectively, "Personal Information"), the Bank shall comply with laws and regulations concerning protection of personal information and other important information, the guidelines of the competent minister, the policies of authorized personal information protection organizations, and this Policy.
The Bank shall collect its customers' Personal Information by appropriate and lawful means to the extent required for our operations. The Bank shall use such collected information appropriately within the purpose stated in "3. Purpose of Use of Personal Information" below and shall not use it for any other purposes.
The Bank shall collect and use Individual Numbers solely within the scope stipulated by laws and regulations.
The Bank may acquire Personal Information in the following cases:
- When Personal Information is provided directly from customers with documents, etc. that are filled or provided by customers such as application forms for a new deposit account (i.e., through submission of documents such as an application form by customers or through data input on online screens by customers)
- When Personal Information is provided by customers through the Bank's provision of products and services (customer telephone calls to PowerCall are recorded to ensure and improve our services.)
- When Personal Information is provided by the joint users of clearinghouses and from third parties such as personal credit information bureaus
In accordance with the Act on the Protection of Personal Information (Act No. 57, May 30, 2003) (the "Personal Information Protection Act") and the Act on the Use of Numbers to Identify a Specific Individual in the Administrative Procedure (Act No. 27, May 31, 2013), the Bank shall use collected Personal Information for operations stipulated in "Purpose of Use of Personal Information" within the scope required to achieve the purpose of use.
The Bank shall use Individual Numbers solely for the purpose of use as stipulated by laws and regulations.
The written "Purpose of Use of Personal Information" is distributed at the Bank's Head Office and branch offices.
In accordance with the Act on the Protection of Personal Information (Act No. 57, May 30, 2003) and the Act on the Use of Numbers to Identify a Specific Individual in the Administrative Procedure (Act No. 27, May 31, 2013), the Bank shall use collected Personal Information for the following operations within the scope required to achieve the following purpose of use.
The Bank shall stipulate the purpose of use specifically for customers' clear understanding of the purpose. For instance, when the Bank asks customers to answer questionnaires, the Bank shall endeavor to limit the purpose of use (e.g., to count and organize questionnaire results) according to the situation.
Operations
- Deposits, domestic exchange, money exchange, loans, foreign exchange, and incidental operations thereto
- Investment trust sales, insurance sales, financial instruments brokerage, trusts, corporate bonds, and other operations that banks are permitted to operate under the laws, and incidental operations thereto
- Other operations that banks are permitted to operate, and incidental operations thereto (including those that will be permitted to be handled in the future)
Purpose of Use
- Purposes of Use of Personal Information
Of the Personal Information, the Bank shall use personal information to the extent required to achieve the following purposes of use:
- Concerning finance instruments and services of the Bank and its affiliates and partners, the Bank shall use personal information for the following purposes of use. The purposes include actions taken depending on the hobbies, preferences and credit level of customers such as advertisements and credit decisions estimated by analyzing customer Personal Information such as transaction history, website view history and other information such as behavior history and information obtained through sharing of Personal Information.
- Receive applications for financial instruments and services (e.g., application for opening an account for various financial instruments);
- Conduct identity verification based on the Act on Prevention of Transfer of Criminal Proceeds and confirm eligibility for using financial services;
- Conduct management for continuous transactions (e.g., due date control in deposit, loan, and other transactions);
- Make decisions on loan applications and continuous use of loans;
- Make judgments on the appropriateness of providing financial instruments and services (e.g., judgment against the principle of appropriateness);
- Provide third parties with personal information to the extent required to implement appropriate operations (e.g., providing such information to the personal credit information agencies of which the Bank is a member during the course of the credit business);
- When all or part of processing of personal information is entrusted by other businesses, accomplish this entrusted operation appropriately;
- Exercise rights or fulfill obligations in accordance with contracts (i.e., contracts between a customer and the Bank and contracts directly or indirectly related to the Bank's operations) and the relevant laws and regulations;
- Study and develop financial instruments and services through market research, data analyses, and surveys;
- Provide customers with various proposals on financial instruments and services by sending direct mail or other means;
- Provide customers with various proposals on the products and services of its affiliates and partners;
- Cancel various transactions and conduct management after cancellation of transactions;
- For the assessment of assets associated with the selling/buying of various loans and acquiring securities; and
- Any other purposes for administering the Bank's financial instruments and services appropriately and effectively.
- The Bank shall use Personal Information for the following purposes of use which are related to the internal management of the Bank and its Group:
- Have the Bank Group understand various risks and conduct business management;
- Conduct the Bank's internal employment management; and
- Conduct the Bank's public relations and investor relations activities, and administrative operations related to shareholders' exercising their rights (e.g., entry of change to a shareholders registry) by the Bank.
- If the purpose of use of specific personal information is limited under laws and regulations, the Bank shall not use it for the purposes other than those below:
- In accordance with the Ordinance for Enforcement of the Banking Act and other relevant laws and regulations, the Bank shall not use any information provided by credit information agencies concerning the abilities of persons seeking funds to repay their borrowings for purposes of use other than those for investigating solvencies of such persons or provide such information to any third parties.
- In accordance with the Ordinance for Enforcement of the Banking Act and other relevant laws and regulations, the Bank shall not use any special non-public information (e.g., race, creed, family origin, domicile of origin, medical history, and crime history) for other purposes of use than those recognized to be necessary for appropriate business management and other reasons, or provide such information to any third parties.
- Concerning finance instruments and services of the Bank and its affiliates and partners, the Bank shall use personal information for the following purposes of use. The purposes include actions taken depending on the hobbies, preferences and credit level of customers such as advertisements and credit decisions estimated by analyzing customer Personal Information such as transaction history, website view history and other information such as behavior history and information obtained through sharing of Personal Information.
- Purposes of Use of Individual Numbers
Of the Personal Information, the Bank shall use Individual Numbers and personal information incorporating Individual Numbers within the scope required to achieve the purposes of use listed below:
- Individual Numbers administrative operations for customers
- Application for and report of the opening of accounts for financial instruments transactions
- Preparation of statutory documents pertaining to financial instruments transactions
- Preparation of statutory documents pertaining to life insurance contracts and so forth
- Preparation of statutory documents pertaining to non-life insurance contracts and so forth
- Preparation of statutory documents pertaining to trust transactions
- Preparation of statutory documents pertaining to transactions of gold bullion and so forth
- Preparation of statutory documents pertaining to overseas remittances and other transactions
- Application of the tax-free savings system and so forth
- Operation of the property accumulation system (zaikei) and so forth
- Preparation of statutory documents pertaining to educational funds management contracts
- Preparation of statutory documents pertaining to marriage/child rearing funds management contracts
- Provision of Individual Numbers to book-entry institutions and so forth concerning financial instruments transactions
- Acceptance of applications for income tax convention
- Operation of numbering deposit accounts
- Individual Numbers administrative operations for the Bank's officers and employees and their dependents
- Preparation of withholding certificates for salary income and retirement income
- Preparation of report of and application/request for employment insurance
- Report on health insurance and employees' pension insurance
- Preparation of applications for (change in) exemption of independents of an employment income earner and applications for insurance deduction and salaried employees' special exemption for spouse
- Preparation of salary payment reports
- Preparation of salaried employees' transfer notification forms concerning the salary payment special tax collection
- Preparation of applications for switchover to special tax collection
- Preparation of payment reports for each recipient of retirement allowance and so forth
- Preparation of reports pertaining to retirement income
- Preparation/provision of statutory documents pertaining to financial instruments transactions related to the stock ownership plan and stock option scheme
- Preparation of reports, notifications, and applications for property accumulation housing savings/property accumulation pension savings
- Handling of group insurance
- Individual Numbers administrative operations for spouses of the Bank's officers and employees
- Notification of Category III Insured of the National Pension
- Notification of Category III Insured of the National Pension
- Individual Numbers administrative operations for individuals
- Preparation of payment reports for compensation, fees, contract money, and awards
- Preparation of payment reports for real estate rentals
- Preparation of payment reports for remuneration for the acquisition of real estate and so forth
- Preparation of payment reports for agent commissions for selling/purchasing/lending of real estate and so forth
- Preparation of payment reports for remuneration paid to nonresidents and so forth for personal services provision business
- Preparation of payment reports for real estate rentals paid to nonresidents and so forth
- Preparation of payment reports for industrial property royalties paid to nonresidents and so forth
- Preparation of payment reports for machine rental fees paid to nonresidents and so forth
- Preparation of payment reports for salaries, compensation, pensions, and awards paid to nonresidents and so forth
- Preparation of payment reports for remuneration for the acquisition of real estate paid to nonresidents and so forth
- Utilization for operations related to the Bank to the extent permissible under laws and regulations
- If the Bank is entrusted with business by a company or organization and handles the Personal Information of the employees, members, retired employees, and shareholders of such company or organization in the course of business, the Bank shall use their Individual Numbers solely to the extent required to fulfill entrusted operations in accordance with the provisions of the service agreement of each operation.
- Individual Numbers administrative operations for customers
The Bank shall never provide or disclose collected personal information to any third parties except in the following situations:
- When the customer has given consent;
- When provision or disclosure of such information is in accordance with laws and regulations;
- When the handling of personal information is outsourced to an outside service provider to the extent required to achieve the purpose of use set forth in the "Purpose of Use of Personal Information" upon concluding an outsourcing contract. In this case, the Bank shall establish appropriate criteria to strictly select outside service providers. The Bank shall also supervise these providers appropriately in order to prevent their using such information for purposes other than the original intent, and leaking, losing, or damaging such information;
- When personal information is shared with specific third parties as indicated in "Sharing of Personal Information"; and
- When provision of such information is permitted under the Personal Information Protection Act.
Notwithstanding the above, the Bank shall never provide or disclose Individual Numbers and personal information including Individual Numbers to any third parties unless otherwise permitted by laws and regulations.
The Bank outsources the handling of personal data to outside service providers for the following operations, for example:
- Administrative operations for dispatching transaction reports (i.e., statements) and other transaction documents;
- Preparation of statutory documents pertaining to financial instruments transactions
- Operations for foreign transactions (e.g., foreign exchange);
- Preparation of statutory documents pertaining to non-life insurance contracts and so forth
- Preparation of statutory documents pertaining to trust transactions
- Administrative operations for dispatching direct mail
- Information system operation and maintenance; and
- Storage of slips, vouchers, and other documents.
While the operations are being outsourced, the Bank shall conduct necessary and appropriate supervision over outside service providers in order to ensure the safe management of personal data.
The Bank outsources the handling of Individual Numbers to outside service providers for the following operations, for example:
- Storage of Individual Numbers;
- Preparation of statutory reports incorporating Individual Numbers;
- Printing of documents to be sent to customers or dispatch of such documents.
While such operations are being outsourced, the Bank shall conduct necessary and appropriate supervision over outside service providers in order to ensure the safe management of Individual Numbers.
In accordance with Article 27, Paragraph 5-3 of the Personal Information Protection Act, the Bank shares personal data as below.
However, the Bank shall never conduct any form of sharing of Individual Numbers.
- In accordance with Article 27, Paragraph 5-3 of the Personal Information Protection Act, the Bank shares personal data with the personal credit information agencies as described below. Since the conclusion of contracts after the full-scale enforcement of the Personal Information Protection (as of April 1, 2005), however, we have requested customers for their consent as set forth in "Providing/Using Personal Information by the Personal Credit Information Agency and its Members."
- Shared personal data items
Information posted in official gazettes (e.g., names, addresses, and the fact of bankruptcy and its date)
- Scope of joint users
Members of the Personal Credit Information Center, and the Japanese Bankers Association ("JBA")
Note: The Personal Credit Information Center is a personal credit information agency established and operated by JBA. Its membership requirements are as follows:- The JBA's regular members;
- Financial institutions which are not banks specified above but are regarded as banks under laws and regulations;
- Government financial institutions or their equivalents;
- Credit guarantee associations established based on the Credit Guarantee Association Act (Act No. 196, August 10, 1953); and
- Corporations which are engaged in credit business for individuals and have been recommended by any member that falls under the category of (1) to (3) above.
- Purpose of use:
For members of the Personal Credit Information Center to make decisions on credit transactions
- The name of the representative, the address and the name of the party responsible for managing personal data:
JBA
3-1, Marunouchi 1-chome, Chiyoda-ku, Tokyo
The name of the representative is provided on 4. About joint use of personal data-- (1) Joint use of Kanpo information -- D. Name of the persons responsible for managing personal data on the following website: https://www.zenginkyo.or.jp/pcic/privacy/
- Shared personal data items
- In addition to the above 1c, the above personal data (1a) may be mutually provided or shared by the personal credit information agencies and their members within the scope required to i) keep such data accurate and up-to-date, ii) handle complaints, iii) protect such data by the personal credit information agencies' monitoring compliance of their members with regulations, and iv) ensure the appropriate use of such data.
While the operations are being outsourced, the Bank shall conduct necessary and appropriate supervision over outside service providers in order to ensure the safe management of personal data.
- For the details of the above personal credit information agencies of which the Bank is a member and the registered information etc., refer to "Providing/Using Personal Information by the Personal Credit Information Agency and its Members."
If bills or checks become dishonored, the bill holders and their financial institutions will suffer considerable damage. Therefore, in order to ensure a smooth distribution of bills and checks, the Bank takes actions such as refraining from transactions for a certain period of time if the Bank becomes subject to an order for suspension of business due to the dishonor of bills or checks.
Such being the case, the personal data of i) customers who are the drawers or the underwriters of the dishonored bills or checks and ii) customers who have consulted with the Bank on the opening of a current account will be provided to the electronic clearinghouse and will be shared by participating financial institutions when i) disclosing personal data items listed in 1. Below and ii) referring to information on dishonors at the time customer consultation on current account opening and loans.
- Shared personal data items
The following are information items related to the drawer of a dishonored bill or check (for bills of exchange, the underwriter; the same applies hereinafter) and a customer who has requested the opening of a current account:
- Name of the drawer (For a corporation, its name, and the name and title of tis representative);
- Name of the store (yago) of the drawer, if any;
- Address (for a corporation, its location); (Including postal code.)
- Name of the person requesting the opening of a current account (for a corporation, its name, and the name and title of its representative; and the name of its store (yago), if any);
- Date of birth;
- Occupation;
- Capital stock (only for a corporation);
- Type and nominal amount of the relevant bill or check;
- Whether the drawer has ever had a bill or check dishonored (the first dishonor) or whether a notice of (or order for) suspension of business has ever been issued;
- Exchange date (offer date);
- Paying bank, including the name of division/branch;
- Out-clearing bank, including the name of division/branch;
- Reason for dishonor;
- Date on which the drawer became subject to an order for suspension of business; and
Note: If there is a discrepancy between the personal data items (1) to (3) above which are indicated on a dishonored bill/check and those notified to the paying bank, such items on the bill/check shall be included in the shared personal data items.
- Scope of Joint Users
- Electronic Clearinghouse clearinghouse (the Japanese Bankers Association)in the relevant geographic area
- Financial institutions participating in the electronic clearinghouse
- Purpose of Use
To ensure a smooth distribution of bills and checks, and for financial institutions to make their decisions on credit transactions
- Name of Person Responsible for Managing Personal Data
Name of the representativeJapanese Bankers Association
3-1, Marunouchi 1-chome, Chiyoda-ku
Tokyo 100-8216
See the Association's website for the addresses of bankers associations and the names of the representatives.
Aiming to become a financial group that is truly needed by our customers, the SBI Shinsei Bank Group will share customer personal data as follows in order to strengthen collaboration between Group member companies and offer products and services with more added values to our customers.
We will build a proper management system for sharing the information so that we will not cause any inconvenience to our customers. If there is any restriction by related laws and regulations such as the Financial Instruments and Exchange Act, we will handle the information in a manner which complies with such laws and regulations.
- Shared personal data items
- "Attribute information" such as name, gender, date of birth, address, telephone number, email address, occupation and employment history, family information, residence status, customer needs information, codes and numbers such as the driver's license number, and disclosure information (including the information obtained by receiving a notice from customers after concluding a contract)
- "Contract information" such as contract type, application date, contract data, terms and conditions, payment method, money transfer account, and other deposit accounts, etc.
- "Transaction information" such as transaction record (including images and voice, etc.), transaction amount, and balance, etc.
- "Information necessary for credit decision and management" such as the use record of other products and services and debt repayment status collected by SBI Shinsei Bank annual income (including household income), spending, assets, liabilities (However, the credit information obtained from personal credit bureau is excluded)
- "Attribute information" such as name, gender, date of birth, address, telephone number, email address, occupation and employment history, family information, residence status, customer needs information, codes and numbers such as the driver's license number, and disclosure information (including the information obtained by receiving a notice from customers after concluding a contract)
- Scope of joint users
SBI Shinsei Bank, Limited. and the companies included in SBI Shinsei Bank's consolidated subsidiaries and equity-based affiliates listed in the Bank's securities report, etc. which tie-up with the Bank for sharing personal information
〔List of partner companies (updated when needed)〕
APLUS, Co., Ltd.
Shinsei Investment & Finance Limited
Shinsei Financial, Co., Ltd.
Shinsei Personal Loan Limited
Showa Leasing Co.,Ltd
APLUS Investment Co,.Ltd
- Purposes of use
Joint users shall use Personal Information for the following purposes of use:
The purposes include actions taken depending on the hobbies, preferences and credit level of customers such as advertisements and credit decisions estimated by analyzing customer Personal Information such as transaction history, website view history and other information such as behavior history and information obtained through sharing of Personal Information.
- Propose or introduce products and services of our Group member companies and our partners
We will propose or introduce the products and services of the SBI Shinsei Bank Group member companies and our partners to the SBI Shinsei Bank Group customers.
- Provide after-sales services and benefits and preferential treatment offered by the Group
We will consider offering a complete range of services including a point program to the customers of the SBI Shinsei Bank Group's products and services.
- Make judgements on offering our products and services
Based on customer information, we will propose the best products and services for our customers.
- Enable the SBI Shinsei Bank Group to capture various risks, control credits, and manage the Group in an appropriate manner
We will build an appropriate management and control system of the SBI Shinsei Bank Group to offer products and services to our customers in a stable and continuous manner.
- Propose or introduce products and services of our Group member companies and our partners
- Person responsible for managing the shared personal data
SBI Shinsei Bank, Limited
Click here for the address of the Bank and the name of its representative:
- Others
- Method of sharing the information
The personal data will be shared through methods including data transfer and use of media such as CD-ROM, etc.
- Suspension of information sharingPlease contact the following number if you wish us to stop sharing your personal data for proposing or introducing products and services of our Group member companies or our partners to you, or if you have any inquiries related to the information sharing in the SBI Shinsei Bank Group:
Power Call: 0120-456-007
Business hours: 8:30-17:30, weekdays and Saturdays, except year-end and New Year holidays
- Method of sharing the information
Aiming to become a financial group that is truly needed by our customers, the SBI Shinsei Bank Group will share customer personal data with Nissen Credit Service Co., Ltd. and its group member companies as follows in order to strengthen collaboration between the companies and offer products and services with more added values to our customers.
We will build a proper management system for sharing the data so that we will not cause any inconvenience to our customers. If there is any restriction by related laws and regulations such as the Financial Instruments and Exchange Act, we will handle the data by complying with such laws and regulations.
- Personal data items to be shared
Name, address, telephone number, date of birth, gender, email address, annual income, employment, family information, residence status, date of application for the membership, card issuance date, terms and conditions, type and credit limit of the contract, transaction information such as dates, details, amount and balance, method and status of payment, information of the financial institution for the account transfer, method of customer identification, type, code and number of customer identification documents, public information available in the official gazette and telephone directories, assets, income, expenditures, information submitted at the time of applying for membership including opinions and requests, income of the spouse and other items agreed between joint users (excluding credit information and personal information requiring consideration)
Results, etc. of the Bank's sales activities (e.g., prospects of contract application, customer status, the aforementioned information provided by customers and customer complaints, etc. against the Bank's sales information accepted by the joint users) and other items agreed between joint users
- Scope of joint users
SBI Shinsei Bank, Limited, Nissen Credit Service, Co., Ltd. and parent companies, subsidiaries, affiliates and other related companies of the two companies
Subsidiaries of the parent companies or subsidiaries of the affiliates and other related companies having concluded a business partnership agreement related to the card loan business or the financial instruments sales business with the Bank
List of partner companies (updated when needed):
SBI Shinsei Bank, Limited
Nissen Credit Service, Co., Ltd.
- Purposes of use
Conducting sales activities for the products and services provided by the SBI Shinsei Bank Group including sending advertisements and other printed materials and developing and studying markets and new products and services related to the business partnerships with the Group and the joint users
Analyzing the shared personal data to improve the efficiency of the sales activities and to calculate contractable amount to be quoted to customers (pre-screening) and enhance the accuracy of the calculation
Conducting market research and developing and studying new products and services including a) contract management by the joint users (e.g., credit decision, accounting, contracting, contract renewal, customer notification and payment to customers), b) contracting and c) provision of supplementary services (e.g., point granting service for members, delivery of campaign gifts and post-contracting services)
- Person responsible for managing personal data
SBI Shinsei Bank, Limited
Click here for the address of the Bank and the name of its representative:
- Others
- Method of sharing
The personal data will be shared through data transfer and use of media such as CD-ROM.
- Suspension of the sharingPlease contact the following number if you wish us to stop sharing your personal data for proposing or introducing products and services to you, or if you have any inquiries related to the data sharing with Nissen Credit Service, Co., Ltd.
SBI Shinsei Bank Consumer Finance Division
Customer Relationship Department (Customer Consulting Office) Call: 0120-456-240
- Method of sharing
- In accordance with Article 27, Paragraph 1 of the Personal Information Protection Act, the Bank obtains the consent of our customers to the provision/use of Personal Information by the personal credit information agencies and their members (including the Bank) through applications, contracts, and other documents, as described below.
- If our customers' personal information* is registered in the personal credit information agencies of which the Bank is a member and these agencies' partner personal credit information agencies, the Bank shall use such information to make decisions on credit transactions (which refers to investigation of customers' solvency and relocated addresses, provided that solvency information shall be used only for investigating solvency pursuant to the Enforcement Regulations of the Banking Act; the same shall apply hereinafter). *This includes contract details and repayment status which are registered by members of these agencies, and official gazette information including that on dishonors and bankruptcies which are registered by these agencies.
- Personal information (including its history) listed below shall be registered in the Bank's personal credit information agencies, and used by members of these agencies and their partner credit information agencies when the members make their decisions on credit transactions.
- If our customers' personal information* is registered in the personal credit information agencies of which the Bank is a member and these agencies' partner personal credit information agencies, the Bank shall use such information to make decisions on credit transactions (which refers to investigation of customers' solvency and relocated addresses, provided that solvency information shall be used only for investigating solvency pursuant to the Enforcement Regulations of the Banking Act; the same shall apply hereinafter). *This includes contract details and repayment status which are registered by members of these agencies, and official gazette information including that on dishonors and bankruptcies which are registered by these agencies.
|
Registered Information |
Registration Period |
|
Personal information such as name, date of birth, gender, address (including whether mail reaches the person), telephone number, work address |
While any of the following information is registered |
|
Contract details such as the borrowing amount, borrowing date, and final repayment date, and the repayment status (e.g., facts of delinquency, payment by subrogation (daii-bensai), compulsory collection procedures, cancellation, and completion of repayment) |
During the contract term and a period not exceeding five years from the date of termination of the contract (if payment is not made in full, the date of completion of payment) |
|
Date on which the Bank used its personal credit information agencies, and the details of loan agreements or their applications |
A period not exceeding one year from such date of use |
|
Information published in official gazettes |
A period not exceeding seven years from the date of adjudication of commencement of bankruptcy procedures |
|
The fact that complaint has been made concerning registered information and is currently under investigation |
The period of such investigation |
|
Information notified by a person that his/her identity verification document is lost or stolen, Loan self-restraints |
A period not exceeding five years from the date of notification by the person |
|
Registered Information |
Registration Period |
|
Information for identifying the person (e.g., name, date of birth, gender, address, telephone number, work address, work telephone number, and driver’s license number) |
While contract-related information, etc. is registered |
|
Details of contract (e.g., type of contract, contract date, loan date, contract amount, guarantee amount) and repayment status (e.g., repayment date, scheduled repayment date, the amount of balance, pay-off date, delinquency and cured delinquency) |
During the contract term and up to five years from the date of termination of the contract |
|
Information on actual transactions (e.g., debt collection, adjustment of debts, implementation of guarantee, compulsory cancellation, filing for bankruptcy and loan transfers) |
During the contract term and up to five years from the date of termination of the contract (for information related to a loan transfer, up to one year from the occurrence date of the fact) |
|
Information related to applications (e.g., name, date of birth, telephone number, driver's license number, application date and type of product applied for) |
Up to six months from the inquiry date |
- Information on the above personal credit information agencies of which the Bank is a member is shown below. Membership requirements and the member names of membership are posted in each agency's website. Any disclosure of information registered in personal credit information agencies is made by each agency.
- The Personal Credit Information Center
https://www.zenginkyo.or.jp/en/
Address: 3-1, Marunouchi 2-chome, Chiyoda-ku, Tokyo 100-8216
TEL: 03-3214-5020 (Toll free: 0120-540-558)
This is a personal credit information institution whose members are mainly financial institutions and affiliates.
- Japan Credit Information Reference Center Corp.
https://www.jicc.co.jp (Japanese)
Address: Sumitomofudosan Ueno 5,1-10-14 Kitaueno, Taito-ku, Tokyo 110-0014
TEL: 0570-055-955
This is a personal credit information institution whose members are mainly credit business undertakings including moneylenders, credit sales companies, leasing companies, guarantee companies and financial institutions.
- The Personal Credit Information Center
Personal Credit Information Institutions Which Form Business Alliance with (i) Above
Credit Information Center Corp.
https://www.cic.co.jp/en/
15F Shinjuku First West, 1-23-7, Nishi-shinjuku, Shinjuku-ku, Tokyo
TEL: 0570-666-414
This is a personal credit information institution whose members are mainly companies operating credit business such as installment sales.
The Bank shall endeavor to maintain the accuracy of the Personal Information and to keep it updated. The Bank shall also take appropriate safe management measures to prevent the loss, divulgence, and damage of the Personal Information and shall review/revise such measures as needed.
When it becomes no longer necessary to carry out administrative operations related to Individual Numbers and the retention period stipulated by relevant laws and regulations expires or it becomes no longer necessary to retain Individual Numbers for other reasons, the Bank shall promptly dispose of or delete these Individual Numbers in a manner which prevents their recovery.
Key safety control measures for Personal Information are as follows:
Establishment of a basic policy for personal information protection
The Bank has established basic policies for complying with related laws, regulations and guidelines and contacts for accepting inquiries and complaints to ensure appropriate handling of personal data.
Organizing rules for personal data handling
The Bank has established personal information handling rules which stipulate handling methods, responsible persons and their duties for each stage such as acquisition, use, storing, provision and deleting/discarding of personal data.
Organizational safety control measures
- The Bank has assigned responsible persons for handling personal data and has clarified employees handling personal data and the scope of the personal data handled by the employees to organize a reporting structure when violations of the Personal Information Protection or personal information handling rules are captured or when signs of the violations are captured.
- The Bank conducts regular self-inspections of the status of personal data handling and conducts audits by other sections.
Human safety control measures
- The Bank implements regular employee training for matters to be noted when handling personal data.
- The Bank has work rules providing for confidentiality of personal data
Physical safety control measures
- The Bank controls access to the office areas that handle personal data and restricts devices that can be brought into the areas. The Bank has also implemented measures preventing viewing of personal data by unauthorized persons.
- The Bank has implemented measures for preventing theft or loss of devices handling personal data and electronic data and documents, etc. containing personal data. The Bank has also implemented measures for preventing easy identification of personal data when the devices and electronic media, etc. are moved within the office or brought into the office.
Technical safety control measures
- The Bank restricts responsible persons and the scope of personal information database, etc. through access control.
- The Bank has implemented a system protecting information systems handling personal data from illegal access by external parties or illegal software.
Capturing of the external environmentWhen handling Personal Information in a foreign country, the Bank collects and captures information related to the personal information protection system of the country on a regular basis and implements safety control measures.
Provision of the information related to a third party located in a foreign country and about the foreign country where the third party is located
The Bank provides information stipulated by laws and regulations when providing Personal Information to a third party located in a foreign country by obtaining customer consent. When the foreign country in which the third party is located is identified after the provision or when the information about the personal information protection measure implemented by the third party is available, the Bank provides the foreign country or the measure upon request from the customer.
Provision of information related to Equivalent Measures by a third party located in a foreign country
When it has provided Personal Information to a third party located in a foreign country (limited to those who have organized the structure stipulated in Article 28, Paragraph 1 of the Personal Information Protection Act), based on the rules of the Personal Information Protection Committee, the Bank implements measures required for ensuring continuous implementation of Equivalent Measures. Upon request of the customer, the Bank provides the customer with information related to the required measures.
If a complaint is made to the Bank in relation to the handling of Personal Information, the Bank shall examine the details of the complaint and handle it appropriately and promptly within a reasonable length of time. Complaints and other inquiries from customers about the handling of the Personal Information are accepted at the "Contact".
Prior to making an inquiry:
Frequent questions are posted in the pages below. Please check them before making an inquiry.
For your nearest branch office, please confirm it with a list of branch offices.
Inquiries about PowerFlex
Reference documents/Brochures / Opening of an account
Power Call: 0120-456-860
Business hours: 8:30-17:30, weekdays and Saturdays, except year-end and New Year holidays
Information on the Voice Guidance
For customers who have already had a PowerFlex account:
Power Call: 0120-456-007
Business hours: 8:30-17:30, weekdays and Saturdays, except year-end and New Year holidays
Information on the Voice Guidance
For application for opening an account over the Internet, click here.
Click here for the list of Head Office and branch offices that provide services for institutional customers.
*Please note that PowerFlex is a general account for individual customers and is not available to institutional customers.
Contacts for complains about the handling of the Personal Information
The Bank has established contacts for complaints and inquiries about the handling of Personal Information as shown below to handle them in an appropriate and prompt manner.
- Power Call: 0120-456-007
Business hours: 8:30-17:30, weekdays and Saturdays, except year-end and New Year holidays
Information on the Voice Guidance
The Bank is a member of the authorized personal information protection organizations below. Each of these organizations receives complaints and consultations about their members' handling of Personal Information.
Banking operations:
All Banks Personal Data Protection Council
http://www.abpdpc.gr.jp/
Contact for complaints and consultations Tel: 03-5222-1700
or the nearest banking transactions consultation office
Registered banking institution business including mutual funds, public bonds and over-the-counter derivative transactions:
Japan Securities Dealers Association (Personal Information Consultation Office)Contact for complaints and consultations Tel: 03-6665-6784
In accordance with the Personal Information Protection Act, the Bank accepts requests for disclosing and revising customers' Personal Information held by the Bank upon verifying that the requesting customer is person the information concerns. Customers may request the disclosure or revision of their own Personal Information at any time through the procedures prescribed by the Bank. If a request is made for disclosing whether an Individual Number is possessed or not, the Bank's reply shall be limited to whether it is possessed or not. For details, please call the contact below.
If you wish to disclose or revise your Personal Information, please call the number below.
- Power Call: 0120-456-007
Business hours: 8:30-17:30, weekdays and Saturdays, except year-end and New Year holidays
Information on the Voice Guidance
The above contact also accepts customers' request for discontinuing direct mails, emails, and telephone calls provided by the Bank to introduce financial instruments.
Contact for Shinsei Card Loan Plus customers requesting disclosure or revising the Personal Information:
If you are a Shinsei Card Loan Plus customer and wish to disclose, revise, or stop using your Personal Information, please call the number below. We will send you necessary documents.
*Please note that we may be unable to respond to your request, depending on its contents.
Personal Information Team, Customer Consulting Office, Consumer Finance Division: 0120-456-240
Business hours: 9:30-18:00 (except weekends and holidays)
The Bank shall continuously review/revise the "Basic Policy for Protecting Personal Information" and its related Bank Rules and improve the handling of customers' Personal Information.
If there is any change in customers' Individual Numbers submitted to the Bank, please promptly report such changes to the branch office with which you are doing business or Power Call (0120-456-007; business hours: 8:00-17:30, weekdays and Saturdays, except year-end and New Year holidays) by the Bank's prescribed method.
