PRIVACY POLICY

Declaration on the Handling of Personal Information
(Privacy Statement)

In accordance with the Law Concerning the Protection of Personal Information (hereinafter referred to as "Personal Information Protection Act") and the principles of our company's "Our Basic Policy on the Protection of Personal Information (Privacy Policy)," Anshin Guarantee Service Co., Ltd. (hereinafter referred to as "our company") acquires and manages personal information from customers as follows.

Name of business operator

Anshin Guarantor Service Co., Ltd.

Administrator title, affiliation and contact information

Administrator name: Personal Information Protection Manager, Corporate Officer in Charge of Management Department
Department: Management Department, Anshin Guarantor Service Co., Ltd.
Contact number: +81(0)3-6627-3440

Acquisition of personal information

Scope of personal information our company obtains

The scope of personal information that our company obtains from you is information regarding identification as described in (1) to (6) below.

1. Information on customer attributes such as name, gender, date of birth, address, telephone number, mobile phone number, e-mail address, occupation, contents related to workplace, family structure, annual income, debt balance and residence status
2. Transaction record, payment method for transactions and other information
3. Sound recording information that can identify a specific individual and video information that identify the individual
4. Information that can identify a specific individual published in official gazettes, telephone directories, personnel records, statutory disclosure documents, newspapers, websites, social networks, etc.
5. Information such as a driver's license number that can identify a specific individual from a single piece of information
6. Other personal information such as shareholder information, business partner information, employee information, job applicant information and contact information

Method of obtaining personal information

Our company obtains your personal information in the following ways. The customer's submission of personal information to our company is voluntary.
However, if necessary items are not provided, we may not be able to provide various services in an appropriate state.

1. Having the customer fill out a form
2. Having the customer provide the information when he accesses our company website
3. Obtaining information from a personal credit bureau with the consent of the customer
4. Obtaining information from an information medium that is open to the public, such as an official gazette or a telephone directory
5. Obtaining by speech recording for the purpose specified in 4-1 below

Purpose of using personal information

Our company appropriately uses the personal information of customers and personal information subject to disclosure obtained by a method described in 3-2 within the scope of the following purposes.

（１）　For the exercise of rights and obligations under our contract with the customer and the law	3-1-(1) (2) (5)
（２）　For the termination of various transactions and follow-up management after the 　　   termination of transactions	3-1-(1) (2)
（３）　For the purpose of determining whether to apply for an indemnity agreement and whether 　　   to use it continuously	3-1-(1) (2)
（４）　For investigating your ability to pay	3-1-(1)
（５）　For the preservation of records relating to transactions between our company and 　　   customers, the progress of negotiations and other facts	3-1-(1) (2)
（６）　For product and service information related to our company's credit	3-1-(1)
（７）　To propose various products and services of partner companies	3-1-(1)
（８）　For in-house market research and analysis and R&D on services	3-1-(1) (2) (4) (6)
（９）　For provision to third parties (limited to the recipients specified in the following article and 　　   recipients for whom the customer has given consent to provide the information)	3-1-(1) (2)
（10）  For information disclosure, distribution of materials, communication, receiving orders, 　　   personnel and labor management, business management, health management, security 　　   management, recruitment and responding to inquiries	3-1-(1) (6)
（11）  To improve the quality of customer service and accurately understand the details of 　　   customer requests	3-1-(1) (2) (3)
（12）  For the appropriate and smooth execution of transactions with customers	3-1-(1) (2) (3)

（１）　For the exercise of rights and obligations under our contract with the customer and the law	3-1-(1) (2) (5)
（２）　For the termination of various transactions and follow-up management after the termination of transactions	3-1-(1) (2)
（３）　For the purpose of determining whether to apply for an indemnity agreement and whether to use it continuously	3-1-(1) (2)
（４）　For investigating your ability to pay	3-1-(1)
（５）　For the preservation of records relating to transactions between our company and customers, the progress of negotiations and other facts	3-1-(1) (2)
（６）　For product and service information related to our company's credit	3-1-(1)
（７）　To propose various products and services of partner companies	3-1-(1)
（８）　For in-house market research and analysis and R&D on services	3-1-(1) (2) (4) (6)
（９）　For provision to third parties (limited to the recipients specified in the following article and recipients for whom the customer has given consent to provide the information)	3-1-(1) (2)
（10） For information disclosure, distribution of materials, communication, receiving orders, personnel and labor management, business management, health management, security management, recruitment and responding to inquiries	3-1-(1) (6)
（11） To improve the quality of customer service and accurately understand the details of customer requests	3-1-(1) (2) (3)
（12） For the appropriate and smooth execution of transactions with customers	3-1-(1) (2) (3)

(The methods of acquisition of information from personal credit information agencies described in 3, 3-2 (3) will be used only for the purposes described in 4, 4-1 (4))

Our company will appropriately use customers' personal information and personal information subject to disclosure obtained by a method other than those described in 3-2 within the scope of the following purposes.

1. For hiring applicants from the Public Employment Security Office, job placement sites, recruitment agencies, etc.

Providing personal information to third parties

Our company may provide personal data (Personal data as defined in Article 2, Paragraph 6 of the Personal Information Protection Act. The same shall apply hereinafter.) to third parties within the following scope:.

1. Scope of provision to third parties
   • Real estate management companies
   • Intermediaries designated by estate management companies
   • Lessors with whom the customer has entered into a lease contract
   • Insurance companies
   • Electric utilities
   • Gas suppliers
   • Payment agents designated by our company
   • Consumer credit companies affiliated with our company
2. Content of information provided to third parties

   Personal information described in "3. Acquisition of personal information and 3-1 Scope of personal information our company obtains" above

3. Users' purpose in using

   Each of the purposes described in 4 above (In this case, "our company" in the above purpose shall be read as "third party to whom provided".)

4. Contract on the handling of personal information

   Those provided personal information are obligated to properly protect it under non-disclosure agreements.

5. Disclosure based on Article 23 (1) of the Personal Information Protection Act

   Except as provided in this Article, our company will not provide your personal data to any third party without your prior consent. The following cases are exceptions:

   • In accordance with laws and regulations
   • Cases in which the provision of personal information is necessary for the protection of the life, body or property of a person and in which it is difficult to obtain the consent of the person
   • Cases in which the provision of personal information is particularly necessary for improving public health or promoting the sound upbringing of children and in which it is difficult to obtain the consent of the person
   • Cases in which it is necessary to cooperate with a state organ, a local public entity, or a person entrusted by the state organ or local public entity in the performance of work prescribed by laws and regulations, and in which obtaining the consent of the person is likely to interfere with the performance of the work

Management of contractors handling personal information

When entrusting the handling of personal information to an external party, our company shall select the party to whom the handling of personal information is deemed to be appropriate based on the standards prescribed by our company, enter into a contract, etc. to ensure the appropriate handling of personal information, and appropriately supervise the party to whom the handling is entrusted so as to ensure the safe management of personal information.

Use and registration of personal credit bureau

Our company will use the personal information registered with the following personal credit bureau to which we belong for the proper management of customers. In addition, we will register personal information related to transactions with customers with the following personal credit bureau to which we belong.

1. Credit Information Center (CIC)

   (Designated Credit Bureau under the Installment Sales Act and the Money Lending Business Act)

   15th Floor, Shinjuku First West, 1-23-7 Nishi-Shinjuku, Shinjuku-ku, Tokyo 160-8375
   Toll-free number: 0120-810-414
2. Japan Credit Information Reference Center Corp.(JICC)

   (Designated credit information agency under the Money Lending Business Act)

   Sumitomo Fudosan Ueno Building 5, 1-10-14 Kita-Ueno, Taito Ward, Tokyo 110-0014
   　　　　　　　　+81-(0)570-055-955

Management of personal information

Our company will assign a manager for the handling of personal information and ensure thorough compliance with the Personal Information Protection Act and other relevant laws and regulations. We will also ensure that personal information is kept accurate and up to date, and that it is properly managed to prevent unauthorized access, loss, destruction, falsification or leakage.

Suspension of the use of personal information, etc.

If our company is requested to disclose, correct or discontinue the use of personal information obtained from customers in accordance with the Personal Information Protection Act, we will respond to such requests without delay.

Personal Information Protection Management System

Our company will continually review and improve its Personal Information Protection Management System to protect the personal information it holds.

For inquiries

Inquiries, requests for disclosure, etc., or complaints regarding personal information should be made to the following Personal Information Consultation Desk.

Personal Information Consultation Desk
Phone: 0120-561-440　Business Hours： Mon.- Fri. 9 a.m.-6 p.m. （Except holidays and nonbusiness days）

Certified Personal Information Protection Organization

• Name of Certified Personal Information Protection Organization:JIPDEC
• Contact for complaint resolution:Personal Information Protection Complaint Consultation Office
• Roppongi First Building, 1-9-9 Roppongi, Minato-ku, Tokyo 106-0032
• Phone:+81(0)3-5860-7565
  0120-700-779

Note: This is not a point of contact for inquiries about our company's products and services.

Notes on using this website

Our website is intended for customers residing in Japan. Please refrain from accessing the site from countries or regions where its management, operation and content are illegal or inappropriate.

Other

We may revise "Our Basic Policy on the Protection of Personal Information (Privacy Policy)" and/or this declaration in whole or in part, as necessary, in accordance with changes in the Personal Information Protection Act and other laws and regulations. In addition, in the event that there is a reasonable need due to a change in the business content of our company, the purpose of use of the personal information obtained by our company may be changed. So, please check the privacy statement periodically.

Request procedure for disclosure of personal information subject to disclosure

Requests by the person in question or his/her agent to notify, disclose, correct, add or deletec, discontinue the use, erase, or discontinue the provision to a third party of personal information subject to disclosure held by our company (hereinafter referred to as "Request for Disclosure, etc.") shall be handled in accordance with the following procedures based on an application form prescribed by our company.

1. Point of Contact for "Requests for Disclosure, Etc."

Personal Information Consultation Desk, Anshin Guarantor Service Co., Ltd.
9th Floor Shinagawa Seaside Park Tower, 4-12-4, Higashi-Shinagawa, Shinagawa-ku, Tokyo 140-0002
Phone: 0120-561-440　
Business Hours： Mon.- Fri. 9 a.m.-6 p.m. (except holidays and nonbusiness days)

2. Documents to be submitted for "Requests for Disclosure, etc."

In the case of "Requests for Disclosure, etc.," please fill in all the required items on the written request forms in (1) and send them by mail. Regarding the written request forms, we will send the following forms by mail. In order to verify your identity, you will need to enclose copies of identification documents such as your driver's license and passport.

1. Written request forms prescribed by our company
   • In the case of a request for the purpose of use: "Request for Personal Data for the Purpose of Use"
   • In the case of disclosure: "Request for Personal Data Disclosure"
   • In the case of correction, addition or deletion, or in case of suspension of use: "Request for Correction and Suspension of Use of Personal Data"
   • Cases of suspension of provision to a third party: "Request for Suspension of Provision of Personal Data to a Third Party"
2. Method of identifying yourself
   1. Identification documents shall be one of the following (a) to (c). However, if a person requesting disclosure does not have (a) to (c), two of (d) to (g) will be required. For (d) and (e), originals will be required.
      Note: Please black out your registered domicile information as well as insured code.
      • Driver's license
      • Passport
      • Basic Resident Register Card (with face photo)
      • Certificate of seal impression
      • Copy of family register
      • Insurance card
      • Pension book
   2. If the person requesting disclosure is a foreign national, a copy of either the alien registration certificate, residence card or special permanent resident certificate is required in addition to A.
   3. In cases where a legal representative or a voluntarily appointed agent (hereinafter referred to as "agent") makes a request for disclosure, etc., in addition to the documents set forth in 2. (1) and the identification documents in A, the agent's identification documents will be required in accordance with the method described in A.
   4. When a legal representative makes a request for disclosure, etc., a copy of a document showing the agency relationship between the principal and the legal representative, such as a copy of the family register, a certificate of adult guardianship registration, etc., is required. When a voluntarily appointed agent makes a request for disclosure, etc., the original of a document showing the agency relationship between the principal and the discretionary agent, such as proxy, etc. is required. Note: Please black out your registered domicile information.

Fee for "Request for Disclosure, etc." and method of collecting it

1. In principle, there will be no fee for requesting disclosure or notification of the purpose of use.
2. Actual expenses may be charged. If we charge an amount equivalent to the actual cost, you can pay it by mailing a money order, postage stamps, etc., and the person making the request will be responsible for the mailing cost.

How we will answer a "Request for Disclosure, etc."

We will generally respond in writing.

1. Personal information obtained in connection with the "Request for Disclosure, etc." shall be handled only to the extent necessary to respond to the request.
2. We may not be able to respond to "Request for Disclosure, etc." in the following cases. In that case, we will inform you of that and of the reason. Note that we may charge a fee even in cases of nondisclosure.
   • When the identity of the person in question or his/her agent cannot be confirmed
   • When there are mistakes in the prescribed request procedure
   • When the subject of a request for disclosure, etc., does not fall under "Personal Information Subject to Disclosure" *
   • When there is a risk of harming the life, body, property or other rights or interests of the person in question or a third party
   • When there is a risk of causing considerable impediments to the proper implementation of the business of our company
   • In cases that constitute a violation of laws and regulations

   Note: Personal information subject to disclosure is personal information that constitutes a systematically organized collection of information, and our company has the authority to respond to all requests from the person to disclose, correct, add, or delete the content, or discontinue the use of, erase, or discontinue the provision to a third party of the information. However, if any of A to D below applies, it does not constitute personal information subject to disclosure.

   1. Cases where there is a risk that the life, body or property of the person or a third party may be harmed if the presence or absence of the personal information is known.
   2. Information which is likely to promote or induce illegal or unjust acts if the presence or absence of the personal information is known.
   3. Cases in which disclosure of the presence or absence of said personal information is likely to cause harm to national security, harm relationships of trust with other countries or international organizations, or cause disadvantages in negotiations with other countries or international organizations.
   4. When there is a risk that the disclosure of the presence or absence of the personal information may hinder the prevention, suppression or investigation of crimes or the maintenance of public safety and order.

Security control measures for retained personal data

Formulation of basic policy

In order to ensure the proper handling of personal data, we have established a basic policy regarding compliance with related laws, regulations, guidelines, etc., and a contact point for handling questions and complaints.

Establishment of rules for the handling of personal data

The handling methods, responsible persons in charge, and their roles for each stage in the acquisition, use, storage, provision, deletion, disposal, etc., of personal data are stipulated in the internal rules.

Organizational safety control measures

In addition to appointing a person responsible for the handling of personal data, we clarify the responsibilities and authority of employees who handle personal data, and have established a system for reporting to the person responsible in the event of a violation or violation concern of the Act on the Protection of Personal Information or internal rules. In addition, we conduct regular in-house inspections of personal data handling status, and our internal audit department conducts audits.

Personnel safety control measures

We provide regular training to our employees on matters concerning the handling of personal data. In addition, we have established internal rules regarding the confidentiality of personal data.

Physical safety control measures

In areas where personal data is handled, we control employee access and takes measures to prevent unauthorized persons from viewing personal data. In addition, measures are taken to prevent the theft or loss of equipment, electronic media, and documents that contain personal data.

Technical security control measures

We control access and limit the number of persons in charge and the scope of our personal information database. In addition, we have a structure in place to protect information systems that handle personal data from unauthorized external access and unauthorized software.

Established on June 1, 2007
Revised on September 2, 2022
Anshin Guarantor Service Co., Ltd.
President and CEO Masaru Amesaka

Our Company's Basic Policy on Anti-Social Forces

Anshin Guarantor Service Co., Ltd. (hereinafter referred to as "our company") declares the following basic policy to prevent damage by groups or individuals (so-called antisocial forces) seeking economic benefits through the use of violence, force and deceptive methods.

1. Our company has no ties to antisocial forces.
2. In order to prevent damage from antisocial forces, our company will respond systematically and appropriately in cooperation with external specialized agencies such as the police, the National Center for the Removal of Criminal Organizations, and lawyers.
3. Our company will not respond to any unreasonable demands by antisocial forces and will make a resolute legal response.
4. Our company will not provide funds to or engage in backroom dealings with antisocial forces.
5. Our company will ensure the safety of its officers and employees in response to unreasonable demands by anti-social forces.

October 1, 2014
Anshin Guarantor Service Co., Ltd.