Privacy Policy relating to Financial Services such as Finance and Credit Cards

I. Your personal information

In regard to financial services such as finance and credit cards, NTT FINANCE will use its best efforts to protect personal information received from you pursuant to the Act on the Protection of Personal Information (APPI) as well as in accordance with the following guidelines and NTT Group Information Security Policy.

1. Extent of personal information collection

NTT FINANCE collects personal information only by legal and fair methods in order to improve customer service and convenience and for company business administration purposes.

2. Maintaining personal information accuracy

NTT FINANCE will use its best efforts to ensure that your personal information is accurate, complete and up-to-date.

3 .Amendment of personal information

NTT FINANCE will amend or remove incorrect personal information upon request of disclosing information from the pertinent individual.

4. Use of personal information

NTT FINANCE will not use your personal information for any purpose other than those stated without your permission except where required under law and in cases notified on the NTT FINANCE website or in the Terms of Use.

5. Provision of personal data to third parties

(1) NTT FINANCE will obtain your consent before providing your personal data to any third parties, except in the following cases.

  • pursuant to laws and regulations
  • when there is a need to protect a human life, body or assets, and when it is difficult to obtain your consent
  • when there is a special need to enhance public hygiene or promote the fostering of healthy children, and when it is difficult to obtain your consent
  • when there is a need to cooperate in regard to a central government organization or a local government, or a person entrusted by either of them performing affairs prescribed by laws and regulations, and when there is a possibility that obtaining your consent would interfere with the performance of the said affairs
  • When the third party is an academic research institution, etc., and the third party needs to handle the personal data for academic research purposes (including cases where part of the purpose of handling the personal data is for academic research purposes, but excluding cases where there is a risk of unjustified infringement on the rights and interests of individuals)
  • when NTT FINANCE provides personal data to the third party after implementing the procedure (so-called opt-out) stipulated in Article 27,Paragraph2 of the APPI

(2) NTT FINANCE will inform you as principal in advance of the matters set forth in the following, when providing personal data to a third party pursuant to opt-out.

  • establishing the provision to third-parties as a utilization purpose
  • the categories of personal information provided to a third party
  • the method of acquisition
  • the method of third-party provision
  • to cease, in response to your request, the third-party provision of personal information that can identify the principal
  • the method of receiving your request
  • the method of renewing personal data provided to a third party
  • the scheduled date of providing personal data to a third party

(3) Person responsible for controlling personal information

Shinagawa Season Terrace 14F, 1-2-70 Konan, Minato-ku, Tokyo 108-0075, Japan

NTT FINANCE CORPORATION

6. Security measures

NTT FINANCE implements organisational, human, physical and technical security measures appropriately when handling your personal information as follows. In addition, when outsourcing the handling of personal information, NTT FINANCE supervises the contractors (including subcontractors, etc.) to ensure that they manage personal information appropriately and make improvements as necessary.

(1)Organisational security measures

NTT FINANCE implements organisational security measures including the development of an organizational structure such as a committee on information security and a person in charge of information security management in each organization, the establishment of internal rules and regulations, and the implementation of operations based on these rules, as well as periodic audits of the status of operations.

(2)Human security measures

NTT FINANCE provides our employees with sufficient education and training on information security, and requires them to sign a written pledge to comply with the appropriate handling of personal information when engaging in business activities.

(3)Physical security measures

NTT FINANCE implements physical security measures related to information system installation and work locations, including access control for buildings and floors where personal data is handled, prevention of theft, and measures against destruction of customers' personal information due to fire, lightning, etc., as well as physical protection of equipment and software, etc.

(4)Technical security measures

NTT FINANCE implements technical security measures such as access management including authentication, authority management, control, and recording when accessing personal data; countermeasures against unauthorized software and viruses in the system; countermeasures during transfer, transmission, and reception by means of encryption and clarification of responsibilities; and monitoring of information systems.

II Purposes of the Use of Personal Information, Joint Use of Personal Information

1. Purposes of the use of personal information

In addition to using personal information that NTT FINANCE retains as required by law, NTT FINANCE will use it for the following purposes.

(1) Internal operations

  • Financial operations such as Money lending
  • Credit card services
  • Investment, financing, debt guarantee, and management guidance for unlisted companies and other organizations
  • Market research and consulting
  • Non-life insurance agency and operations related to life insurance solicitation
  • Other operations attendant to the above

(2) Uses

NTT FINANCE will use your personal information within the scope of internal operations and as required to fulfill that purpose.

  • To sell and receive applications for financing, credit card services and other businesses listed in NTT FINANCE's articles of incorporation
  • For credit assessment and credit management, contract management, and to facilitate proper and smooth customer transactions
  • For market research and product development
  • To send out notices and advertisements on behalf of companies with which NTT FINANCE is contracted (“partner companies”), related to products and services, etc., provided by those partner companies
  • For proof of identity based on laws or regulations related to preventing the illegal transfer of earnings
  • To send out notices and advertisements related to products and services, etc., provided by subsidiaries, consolidated subsidiaries and equity method affiliates of NTT FINANCE

2. Joint use of personal information

NTT FINANCE uses your personal information jointly with other parties as follows.

  1. (1) Scope of jointly using person (the “Joint users”)
    Subsidiaries, consolidated subsidiaries and equity method affiliates of NTT FINANCE and NTT TC Leasing
  2. (2) Purpose of using your personal data by the Joint users
    To send out notices and advertisements related to products and services, etc., provided by the Joint users described in (a) above.
  3. (3) categories of personal data to be used jointly
    The customer name and contact information (address, telephone number, company name, division, title, telephone number and e-mail address)
  4. (4) Party responsible for controlling personal data to be used jointly
    NTT FINANCE CORPORATION

3. Provision of personal information to third parties

NTT FINANCE shall generally obtain your permission in writing before providing your personal data to any third parties. In the case of the outsourced handling of your personal data, NTT FINANCE provides the personal data to business operators who implement appropriate security measures within the necessary scope to achieve a utilization purpose. In that case, NTT FINANCE exercises appropriate supervision, such as by concluding a contract with the business operators regarding the handling of personal data. NTT FINANCE will not acquire or use sensitive personal information or provide the information to a third party unless it falls under an exception stipulated by laws and regulations.

4. The use of credit information institutions

With the customer's agreement, NTT FINANCE supplies information to credit information institutions to which the company belongs for the purpose of credit checks. The name, address, and telephone number of the credit information institutions to which NTT FINANCE belongs are listed below. In addition, during the contract period if NTT FINANCE becomes a member of, registers with, or begins to use a new credit information institution, NTT FINANCE will notify the customer in writing of such and obtain permission.

5. Please refer to the website of the individual credit information institution to find out details regarding its membership qualifications or the list of its member companies.

6.The information registered with the credit information institution is: name, birth date, address, telephone number, employer, and other identifying information; the type of contract, contract date, product name, amount of contract, number of payments, and other information related to the contract; and usage balance, date of payment, payoff date, arrears, and other information related to payments.

Name Credit Information Center Corp. (CIC)
Address Shinjuku First West Bldg., 15th Floor, 1-23-7, Nishi-Shinjuku,Shinjuku-ku, Tokyo, Japan 160-8375
Phone No. 0120-810-414
Website

(Page will open in new window)http://www.cic.co.jp/en/

Registration Information and Retention Period Identifying information -
Submitted facts related to the contract 6 months from the date that the information was released to the credit information institution
Objective facts of transactions related to the contract (information about contract details and repayment status) During the contract period and up to 5 years after the end of the contract
Facts of overdue payment of debt During the contract period and 5 years after the end of the contract

The Credit Information Center Corp. (CIC) has an affiliation with the following credit information institution.

Name: Personal Credit Information Center
Address: 1-3-1 Marunouchi, Chiyoda-ku, Tokyo, Japan 100-8216
Telephone: 03-3214-5020

Website:(Page will open in a new window)http://www.zenginkyo.or.jp/en/

III Disclosure, amendment and cessation of use procedures

To request disclosure of personal information of yours that NTT FINANCE holds, or to request amendment or cessation of use of that information, or to request disclosure of a record on a Third-Party Provision, please send documents which you can download from the website.

Information to disclosure, amendment or cessation of use is:
name, birth date, address, telephone number, employer (company title, occupation and telephone number) and information regarding past transactions

When making such request, you are required to attach one of the following official documents for identification.

  • Copy of driver's license (Please attach the back side, if the current address is written on it.)
  • Copy of passport (within expiration date, and the page with your face photo and the address)
  • Copy of health insurance card (without insurance identification code and number) and either resident's card or utility rates receipt or bill (without individual number or permanent address)
  • Copy of alien registration card and either copy of passport or utility rates receipt or bill

NB: A fee is 1,000 yen (including consumption tax).

Address:
Shinagawa Season Terrace 14F, 1-2-70 Konan, Minato-ku, Tokyo 108-0075, Japan
NTT FINANCE CORPORATION
Legal Division

IV Pseudonymously Processed Information and Anonymously Processed Information

If NTT FINANCE handles Pseudonymously Processed Information or Anonymously Processed Information, it will do so in compliance with the provisions of laws and regulations.

V Accredited Personal Information protection organizations

NTT FINANCE is a member of the Japan Credit Association, an accredited personal information protection organization approved under the APPI.

Page will open in a new window.Japan Credit Association

Consumer hotline: +81-3-5645-3360 (hours: 10:00 to 12:00 / 13:00 to 16:00; closed on weekends & holidays)

VI NTT Group information security policy

The NTT Group information security policy is available for viewing at the following URL.

Page will open in a new window.https://group.ntt/en/g_policy/