NIS Group Co., Ltd. (hereinafter referred to as the "Company") and companies of the NIS Group (hereinafter referred to as "Group Companies") respect the privacy of our customers under our corporate principal of "Customer creed" and "Respect for human dignity", take thorough care regarding the handling of information that can be used to identify specific individuals (hereinafter referred to as "Personal Information") and vow to implement the appropriate management to do so in a thorough manner.


 

1. Pledge

Personal Information of our customers is the foundation of management for our Company and our Group Companies. We recognize that maintaining the security of Personal Information and using such information in the manner desired by our customers to be the utmost important issues for our Company and our Group Companies. The Company and the Group Companies promise to establish internal organizations based on a strict compliance to protect the privacy of our customers.
 

2. Observance of Standards Relating to Personal Information

The Company shall observe laws, regulations, guidelines and other standards relating to the handling of Personal Information.
 

3. Purpose of Using Personal Information
 

4. Requesting Termination of Use of Personal Information

The termination of use of a customers' Personal Information (for the purpose of marketing activities, such as telemarketing and printed advertisement materials) can be requested from our Company. The Company shall implement steps to ensure that the subsequent use of information for corresponding purposes will be terminated.
 

5. Shared Use of Personal Information
 

6. Disclosure of Personal Information

We acknowledge that our customers have the right to request "disclosure", "alteration, addition and deletion" (hereinafter referred to as "correction") as well as "termination of use and elimination of Personal Information" (hereinafter referred to as "termination of use") and a response sent in a speedy manner, within practical limits, when a customer desires such action. As a ground rule the procedures for such action shall be in writing from our customers and the response will also be in writing.
Please contact the aforementioned Customer Service Section for inquiries relating to disclosure, correction and termination of use of your own Personal Information. After inquiring about the situation, we shall be happy to inform you of the necessary procedures.
 

7. Sensitive Information

"Sensitive Information" is information that clarifies personal clinical history, progress of treatment, health conditions, lineage and permanent domicile, race or ethnic background, political views, religious and philosophical beliefs and memberships in labor unions. Sensitive information, obtained by our Company from our customers, will be handled according to the "Laws Relating to Personal Identification of Customers by Financial Institutions" and documentation that includes sensitive information provided to our Company will not be obtained from external sources and no discriminatory action will be taken based on the information.
 

8. Provision of Information to Personal Information Agencies

Our Company is a member of the Personal Credit Information Organization ("Information Center"), which is a member of the Federation of Credit Bureaus of Japan (hereinafter referred to as "FCBJ"). Information registered with the corresponding organizations will be used only for the purpose of conducting the proper considerations for extending credit. The Information Center, a personal credit information organization operating in individual regions, includes financial lenders as their primary members. Individual Information Centers collaborate with one another to form a network for personal credit information.

Toll free number that connects you to the nearest Information Center: +81-(0)120-441-481

Note: Information regarding the names, locations, telephone numbers, eligibility to join an Information Center as well as membership, are posted on the following web site of the FCBJ:
FNCIC web page address: http://www.fcbj.jp/j/j_index.html
 

9. Management Organization

Our Company shall continue to maintain, enhance and overhaul the corporate internal organization and internal regulations in order to handle personal information of our customers appropriately. Further, we shall continue to strive to enhance the security of our systems in order to protect Personal Information from unauthorized use, destruction, tampering and leaks. We shall implement the necessary instructions to our employees that use the Personal Information of our customers in order to protect it.
In the unlikely event that an employee violates our stipulations, regarding the protection of Personal Information, such employees will be subject to the stipulated reprimand.

The "Group Companies and affiliated companies" that share the use of personal information