Current Position:HOMEDescription of Handling Personal Information from Customers

Description of Handling Personal Information from Customers

1.Purpose of Use for Personal Information

Based on the Act on the Protection of Personal Information , Seven Bank shall only use personal information provided by customers for the following services and within the scope required to achieve the expressed purpose of use.

  • (1)Description of Services
    • 1.Deposits, foreign exchanges, money exchanges, loans and associated services
    • 2.Other services that permit banks to perform operations and their associated services (including services in which future bank processing is permitted)
  • (2)Purpose of Use
    • 1.For processing financial product and service applications, such as opening an account for all types of financial products
    • 2.For identity verification based on The Act on Prevention of Transfer of Criminal Proceeds, etc., or for confirming the eligibility for use of financial products and services, etc.
    • 3.For managing continued business, such as managing the date of deposit transactions and loan transactions, etc.
    • 4.For assessing loan applications and continued service, etc.
    • 5.For assessing appropriateness of providing financial products and services, such as assessment based on the rules established for suitability, etc.
    • 6.. For providing information to a third party within the scope required to carry out related services, such as providing personal information to an authorized (member) personal credit information agency in the credit business, etc.
    • 7.For carrying out outsourced services appropriately when all or some services have been outsourced from another business in order to process personal information, etc.
    • 8.For exercising rights or performing duties based on an agreement with the customer or relevant laws, etc.
    • 9.For researching and developing financial products and services by carrying out market research, data analysis or questionnaires, etc.
    • 10.For all types of proposals related to financial products and services, such as sending direct mails, etc.
    • 11.For all types of proposals related to products and services of alliance partners, etc.
    • 12.For managing the cancellation of all types of transactions or for the subsequent management after a transaction is canceled
    • 13.For carrying out customer transactions appropriately and smoothly

In accordance with Article 13-6-6 of the Enforcement Regulations of the Banking Act and other relevant provisions, Seven Bank shall not use, or provide to any third party, information on customers' debt repayment capability, which has been provided by a personal credit information agency, for any purposes other than investigating their debt repayment capability. Also in accordance with Article 13-6-7 of the Enforcement Regulations of the Banking Act and other relevant provisions, Seven Bank shall not use, or provide to any third party, customers' special nonpublic information, such as information on race, creed, family origin, registered domicile, health and medical, or criminal records concerning customers, for any purposes other than appropriate management of the business and other necessary purposes.

2.Proper Acquisition of Personal Information

Seven Bank shall use proper and legal means to acquire personal information of customers within the scope required to achieve the expressed purpose of use as specified in item 1.

Seven Bank may acquire personal information from sources such as the following:

≪Examples of sources of personal information≫
  • (1)Personal information provided directly by customers by way of documents they fill in and submit to us, such as application forms for opening deposit accounts (or by way of data they enter via the forms on the Seven Bank website).
  • (2)Personal information provided by third parties such as joint users (e.g., clearing houses) and personal credit information agencies.
  • (3)Personal information contained in telephone conversations with customers on the occasion of receiving their inquiries and questions (we may record telephone conversations with customers for the purpose of improving the quality of our response and confirming the content of conversations).

3.Discontinue Use of Direct Mail, etc.

Regarding the solicitation concerning the sale of Seven Bank products and services using direct mail or through telephone calls, etc., Seven Bank shall take the following measures to immediately discontinue the use or provision of personal information for said purposes after receiving a request from a customer to discontinue service.

  • (1)Items that can be discontinued
    Sales information that is distributed through advertisements and printed materials, etc.
  • (2)Procedure to discontinue service
    Use the contact information below to make your request.
    ≪Telephone Center (Japanese)≫
    0088-21-1189 (Toll Free) or 03-5610-7730 (charged)
    Business hours 8:00 to 21:00 every day
    ≪Customer Center (English)≫
    0120-937-711 (Toll Free) or 03-5610-7791 (charged)
    Business hours
    Mondays thru Fridays 10:00~20:00
    Saturdays, Sundays and Public Holidays 10:00~17:00
    (Except 1/1~1/3)

4.Handling Sensitive Information

Based on the Guidelines Regarding Protection of Personal Information in the Finance Sector , Seven Bank shall not acquire or use, or provide to any third party, customers' sensitive information except in the cases specified in the aforementioned guidelines.

5.Maintaining Accuracy of Personal Data

Seven Bank shall strive to maintain accurate and up-to-date personal data within the scope required to achieve the expressed purpose of use. Please report any changes to registered items immediately.

6.Security Control Measures

Seven Bank shall take appropriate security control measures to prevent the loss, falsification and leakage of personal information provided by the customer. In addition, Seven Bank shall train all executives and employees who handle personal information from customers about the importance of protecting personal information, and Seven Bank shall perform appropriate monitoring of outsourcees (including subcontractors) when outsourcing the personal information of customers.

7.Outsourcing the Handling of Personal Information

When outsourcing the handling of personal information in accordance with the outsourcing of services, Seven Bank shall conclude an agreement with the outsourcee (which is selected based on the standards prescribed by Seven Bank) concerning the handling of personal information and shall outsource the services so that the personal information is not used for any other service which is not outsourced by Seven Bank, and so that security control measures are taken and maintained in accordance with the Seven Bank Privacy Policy and related rules and regulations.

8.Joint Use of Personal Data

As indicated below, Seven Bank shall jointly use personal information in accordance with item 3 in paragraph 5 of Article 23 as prescribed in the Act on the Protection of Personal Information.

  • (1)Personal data items that are jointly used
    Items that contain information related to the issuer of a bad check (the same shall apply hereafter for the acceptor of a bill of exchange) or person with an overdue bill and information related to the applicant who wishes to open a checking account, as shown below.
    • 1.Name of said issuer (For corporate customers: the name of the corporation, the name of a corporate representative or the position title of corporate representative)
    • 2.Trade name of said issuer if applicable
    • 3.Address (location for corporate customers) (including postal code)
    • 4.Name of applicant who wishes to open a checking account (For corporate customers: the name of the corporation, the name of a corporate representative or the position title of corporate representative. Trade name of said applicant if applicable)
    • 5.Date of birth
    • 6.Occupation
    • 7.Capital (Only for corporate customers)
    • 8.Type of said bill or check and face amount
    • 9.Either a bad check notice (First bad check) or notice for suspension of service (Suspended service)
    • 10.Exchange date (Date presented)
    • 11.Paying bank (including the department or branch name)
    • 12.Credit bank (including the department or branch name)
    • 13.Reason for insufficient funds
    • 14.Date service was suspended
    • 15.Clearinghouse where the paying bank (manned outlet) of the bad check or overdue bill is involved, and the bankers association that is connected to said bill of exchange location
    • (Note)When there is a discrepancy between the information related to items 1 through 3, noted on a bad check or an overdue bill, or the information registered in the paying bank, the information noted on said bad check or overdue bill is included.
  • (2)Scope of Joint Users
    • 1.Each clearinghouse
    • 2.Financial institution involved with each clearinghouse
    • 3.Personal Credit Information Center that is set up or operated by the Japanese Bankers Association
    • 4.Each bankers association that is a special member of the Japanese Bankers Association (including the inquiry center for persons with suspended service in each bankers association)
      Note that a list of joint users is posted on the website of the Japanese Bankers Association http://www.zenginkyo.or.jp/abstract/koukan/index0600.html (Japanese only)
  • (3)Purpose of Use
    Securing smooth circulation of checks and bills, and the credit assessment of one's own business for financial institutions
  • (4)Names of the people responsible for the management of personal data
    Bankers association that is connected to the clearinghouse where the paying bank (manned outlet) of the bad check or overdue bill is involved

9.Procedure for Disclosure Request

The procedure for requesting to disclose (such as a request to report the purpose of utilization, to disclose or to correct personal data, and to discontinue the use of personal data, etc.) personal data that is retained, stipulated in the Act on the Protection of Personal Information, is described below.

  • (1)Applicable items for disclosure, etc.
    Personal data that is retained by Seven Bank
  • (2)People that are eligible to request disclosure, etc.
    • 1.Customer himself/herself
    • 2.Legal representative of the customer when the customer is a minor or an adult ward
  • (3)Customer service counter
    Use the contact information to make your request for the disclosure of information, etc.
    ≪Telephone Center (Japanese)≫
    0088-21-1189 (Toll Free)or 03-5610-7730 (charged)
    Business hours 8:00 to 21:00 every day
    ≪Customer Center (English)≫
    0120-937-711 (Toll Free) or 03-5610-7791 (charged)
    Business hours
    Mondays thru Fridays 10:00~20:00
    Saturdays, Sundays and Public Holidays 10:00~17:00
    (Except 1/1~1/3)
  • (4)Disclosure fee, etc.
    The following fees are charged for disclosure requests, etc. The fee is debited to the customer's deposit account. (Customers without a deposit account must send a postal money order.)

    Information to be disclosed

    Fee (including consumption tax)

    Name, sex, date of birth, telephone number, email address, occupation (Name of employer and telephone number)

    1,080 Yen

    Balance after transaction (item, account number and balance)*1 for specified day

    1,080 Yen

    Transaction history*2 for 1 month

    1,080 Yen

    Contact the Customer Center for the disclosure of information not listed above.

    • *1. Specified day:Each day that is specified.
    • *2. 1 month:The term shall be calculated in the calendar year. (e.g. For a transaction history between April 25, 2017, and May 20, 2017, it shall be calculated as 2 months.)
  • (5)Response and processing time of disclosure request, etc.
    We shall respond to and process your request to disclose information, etc., within a reasonable time frame after receiving your written request. Note that we may respond directly to the customer even if the requesting party is a legal representative.
  • (6)Purpose of use for personal information acquired using the disclosure request
    For personal information acquired by Seven Bank using the disclosure request procedure, we shall perform a review of said request, verify the identity of the customer or legal representative, charge a fee for the disclosure and respond to said disclosure request, etc.

10.Contact information for questions, concerns or complaints concerning the handling of personal information

Use the contact information below to submit your inquiry or complaint concerning Seven Bank's handling of personal information.

≪Telephone Center (Japanese)≫
0088-21-1189 (Toll Free)or 03-5610-7730 (charged)
Business hours 8:00 to 21:00 every day
≪Customer Center (English)≫
0120-937-711 (Toll Free) or 03-5610-7791 (charged)
Business hours
Mondays thru Fridays 10:00~20:00
Saturdays, Sundays and Public Holidays 10:00~17:00
(Except 1/1~1/3)

11.Provision and Use of Personal Information by a Personal Credit Information Agency and Their Affiliated Members

  • (1)Seven Bank shall obtain the consent of the customer as stipulated below using an application form and agreement, etc., in accordance with paragraph 1 of Article 23 as prescribed in the Act on the Protection of Personal Information, when personal information is provided to or is used by a personal credit information agency and their affiliated members (including Seven Bank).
    • <1>When personal information from the customer (including agreement details that are registered by the affiliated members of said agencies, information about the repayment status, etc., non-payment information registered by said agencies and public record information such as bankruptcy, etc.) is registered with a personal credit information agency to which Seven Bank is a member or with a personal credit information agency that is affiliated with said agency, Seven Bank shall use that information in order to assess the credit of the business. (Assessment refers investigating the repayment capacity or a new address. However, it is limited to investigating the repayment capacity for information concerning repayment capacity in accordance with Article 13-6-6 of the Enforcement Regulations of the Banking Act. The same shall apply hereafter.)
    • <2>The following personal information (including history) shall be registered with a personal credit information agency to which Seven Bank is a member, and said information shall be used by said agency, or by an affiliated member of a personal credit information agency that is affiliated with said agency, in order to assess the credit of one's own business.

    Registered Information

    Registered Term

    Name, sex, address, date of birth, telephone number, email address, occupation (Name of employer and telephone number)

    Term for which any of the following information is registered

    Including agreement details such as the borrowing amount, the borrowing date and the final repayment date, and the repayment status (including the facts about arrearage, subrogated payment, procedure for forced recovery, cancellation and full repayment, etc.)

    During the agreement term and a term that shall not exceed 5 years from the date when the agreement was concluded (from the date of full repayment when full repayment has not been made)

    The date when the personal credit information agency, to which Seven Bank is a member, were used, and the agreement or the details of that application, etc.,

    A term that shall not exceed 1 year from the date of said use

    Non-payment information

    A term that shall not exceed 6 months from the date of non-payment for the first bad check, and a term that shall not exceed 5 years from the date when service was suspended for suspended service

    Public record information

    A term that shall not exceed 10 years from the date when the bankruptcy was filed, etc.

    Information related to receiving a complaint concerning registered information and its investigation

    Term of said investigation

    Information reporting loss or stolen identity verification documents

    A term that shall not exceed 5 years from the date of the report

  • (2)Regarding personal credit information agencies to which Seven Bank is a member, Seven Bank shall jointly use personal information, as indicated below, in accordance with item 3 in paragraph 5 of Article 23 as prescribed in the Act on the Protection of Personal Information.
    • <1>Personal data items that are jointly used
      Information posted in public records (Name, address, intention of bankruptcy, date, etc.)
    • <2>Scope of joint users
    • Members of the Personal Credit Information Center and Japanese Bankers Association

      (Note)Personal Credit Information Center is a personal credit information agency set up and operated by the Japanese Bankers Association. Eligibility and membership are described below.
      • a.A bank that is a full member of the Japanese Bankers Association
      • b.Banks not listed in item "a." or a financial institution that is considered the equivalent of a bank by laws and ordinances.
      • c.A government related financial institution or an organization that conforms to this
      • d.A credit guarantee corporation that was established based on the Credit Guarantee Corporation Act.
      • e.A corporation, which operates a credit business related to individuals, that is recommended by a member for which item a., b. or c. applies.
    • <3>Purpose of use
      Credit assessment of one's own business for a member of the Personal Credit Information Center.
    • <4>Names of the people responsible for the management of personal data
      Japanese Bankers Association
  • (3)The above personal information as well as other personal information may be mutually provided to and used by personal credit information agencies and their affiliated members within the scope required to protect and ensure the proper use of personal information by maintaining accurate and up-to-date information, processing complaints and monitoring the strict compliance with standards for members affiliated with the personal credit information agencies, etc.
  • (4)Aforementioned personal credit information agency
    The aforementioned personal credit information agencies are described below. Eligibility and the names of members, etc. of each agency are posted on the website of each agency. Note, the disclosure of information registered at a personal credit information agency is carried out by each agency (Seven Bank does not disclose that information).
    • <1>Personal credit information agencies to which Seven Bank is a member
      Personal Credit Information Center
      http://www.zenginkyo.or.jp/pcic/ (Japanese only)
      Telephone: 03-3214-5020
      Personal credit information agencies whose members are mainly financial institutions and their affiliated companies
    • <2>Personal credit information agencies that are affiliated with said agency
      Japan Credit Information Reference Center Corp.
      http://www.jicc.co.jp/ (Japanese only)
      Telephone: 0570-055-955
      Personal credit information agencies whose members are mainly companies that operate a credit business for financial services, credit services, lease services, guarantee services and financial institutions
      (Credit Information Center Corp.
      http://www.cic.co.jp/ (Japanese only)
      Telephone: 0120-810-414
      Personal credit information agencies whose members are mainly companies that operate credit businesses for installment sales

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