Handling of Personal Information in Installment Sales and Intermediation of Individual Credit Purchases, etc.

  • *The original of this policy shall be in Japanese and an English translation is for reference purpose only

Rakuten Mobile, Inc. (hereinafter "Rakuten Mobile" or "we") will collect, use and provide third parties with personal information to the extent necessary for fulfilling the following purposes of use when conducting operations under an installment sales contract related to installment sales or an individual credit purchase intermediation contract related to intermediation of individual credit purchases, etc. (hereinafter "installment sales contract, etc.")

Use of Personal Information, etc.

1. Purposes of use

We will collect personal information, etc. about you (i.e., the customer) as described below in order to fulfill the purposes of use stated below. Personal information, etc. about you collected by us includes information that you give us directly, information about your use of our services, and information collected from third parties. As for the purpose of third-party provision, please refer to "4. Provision of information to other outsiders."

"Personal information, etc." includes all information from which you are directly or indirectly identifiable as an individual. Among "personal information, etc.," "personal information" refers to "personal information" as defined in the Act on the Protection of Personal Information.

<Purpose of use of personal information, etc.>
Purpose of use Personal information, etc. to be used*
1. For providing installment sales service:
  • Operations required to provide various services involving installment sales and intermediation of individual credit purchases, etc. and associated services (including addition, modification and discontinuation of services)
  • Operations related to billing of charges and installments
[1]-[10]
2. To respond appropriately to customer inquiries, etc.:
  • Operations related to customer inquiries, opinions, etc.
  • Guidance on procedures related to installment sales and intermediation of individual credit purchases, etc., and customer support (e.g., provision of necessary information)
[1]-[6], [8]-[10]
3. For contract screening:
  • The determination of availability of installment sales and intermediation of individual credit purchases, etc., credit checks, operations for managing transaction status after conclusion of the relevant contract
[1]-[6], [8]-[10]
4. To prevent and mitigate fraudulent or illegal activities:
  • Prevention of improper use of installment sales and intermediation of individual credit purchases, etc. and investigation in the event of such improper use
[1], [3]-[10]
5. To provide you with advertisements, promotion and marketing content:
  • Advertising and promotion of products or services of Rakuten Mobile, its group and third parties (e.g., business partners) in advertising media including websites (including behavioral targeting advertisements)
  • Operations involving sending direct mail, email newsletters and other advertisements to you within the bounds and by the means permitted by laws and regulations with your consent
[1], [3]-[6], [8]-[10]
6.To improve and provide services and develop new services:
  • Improvement and provision of existing services and research and development related to new services conducted by Rakuten Mobile and its group
  • Research and analysis of usage status and purchase history of Rakuten Mobile services, and provision of necessary information
  • Questionnaire surveys, analysis and utilization of customer satisfaction and evaluation, customization of service and construction of system for providing information for a specific purpose (e.g., recommendation of products)
[1], [3]-[6], [8]-[10]
7. For investment analysis conducted by Rakuten Mobile:
  • Preparation of statistics for investment and management analysis and use of analysis results
[1], [3]-[6], [8]-[10]

[Note]* The number of the item of personal information, etc. listed below is shown.

<Items of personal information, etc. to be used>
Item of personal information, etc. to be used
[1] Information about you such as your name, address, date of birth, sex, phone number, occupation, place of work and email address
[2] Number for identifying the individual and other information stated in identity verification documents
[3] Information on specifics of application such as name of product, quantity applied for, application date and passcode
[4] Information on payment method, e.g., transfer account, credit card
[5] Information regarding billing and payment such as charge, payment status and payment dateInformation on contract screening/credit examination, billing and payment
[6] Information on communication equipment assigned to you in relation to contract
[7]Information collected from subscribed designated credit information bureau and personal credit information bureaus partnering with such bureau
[8] Information on content and history of customer inquiries
[9] History of Rakuten Mobile's website viewed and services used by you
[10] Other information collected in conjunction with the provision of installment sales and intermediation of individual credit purchases, etc.

2. Alteration of purposes of use

In cases where any purpose of use referred to in 1. above is to be altered, the purpose of use shall not be altered to the extent that the pre-altered purpose of use is reasonably deemed to have become irrelevant.

Of note, in cases where personal information is to be used beyond the extent necessary for fulfilling the purposes of use referred to in 1. above, we will clarify the purpose of use and obtain your prior consent each time.

3. Inquiry, provision and registration of personal information, etc. to participating credit information bureau

Pursuant to the Installment Sales Act, in cases where an inquiry about personal information, etc. on a party (including an applicant; hereinafter the same shall apply) to an installment sales contract, etc. is made to a personal credit information bureau with which Rakuten Mobile is affiliated (hereinafter "subscribed designated credit information bureau") and the personal information, etc. of the party is registered with such information bureau, we will use such personal information, etc. for investigating the solvency and repayment capacity of the party.

We will also provide and register personal information, etc. about the party to an installment sales contract, etc. to the subscribed designated credit information bureau as prescribed below. Of note, such personal information, etc. provided and registered by us will be used by members of the subscribed designated credit information bureau and members of personal credit information bureaus partnering with such information bureau (hereinafter "partner personal credit information bureaus") for investigating the solvency and repayment capacity of the party.

<Registration body, registered information and registration period of personal information, etc.>
Registration body Registered information Registration period
Credit Information Center CORP. (CIC)
(participating designated credit bureau)
[1] Information about you such as your name, address, date of birth, sex, phone number, occupation, place of work, phone number at place of work, annual income, driver's license number, etc. Period during which any information referred to in [2] through [4] is registered
[2] Fact that an application has been made for the relevant contract Sixth months from the day on which Rakuten Mobile made an inquiry to CIC
[3] Contract date, contract type, contract amount, loan amount, product name and its quantity/frequency/period, number of payments and other information on contract provisions, etc.
Outstanding balance, installment balance, amount expected to be billed annually, payment date, payment completion date, expected payment completion date, etc.
During the contract period and up to five years after the termination of the contract (up to five years after the completion of payment in cases where payment has not been completed)
[4] Information on repayment status and delinquency in payment During the contract period and up to five years after the termination of the contract (up to five years after the completion of payment in cases where payment has not been completed)
[5] Information on investigation into complaints about information on repayment and payment and a request for defense for suspension of payment, etc., if any Period required for such investigation
<Participating designated credit bureau>
Credit Information Center CORP. (CIC) (designated credit bureau under the Installment Sales Act)
  • URL:https://www.cic.co.jp/en/index.html
  • Address: 15F Shinjuku First West Bldg., 1-23-7, Nishi-Shinjuku, Shinjuku-ku, Tokyo, 160-8375
  • Phone number: 0120-810-414 (For calls from mobile phone/PHS handsets: 0570-666-414)
<Partnering personal credit bureaus>
Personal Credit Information Center of Japan Bankers Association
  • URL: https://www.zenginkyo.or.jp/en/
  • Address: 2-5-1, Marunouchi, Chiyoda-ku, Tokyo, 100-0005
  • Phone number: 0120-540-558 (For calls from mobile phones/PHS handsets: 03-3214-5020)
Japan Credit Information Reference Center Corp. (JICC)
  • URL: https://www.jicc.co.jp
  • Address: Sumitomo Fudosan Ueno Bldg. No.5, 1-10-14, Kitaueno, Taito-ku, Tokyo, 110-0014
  • Phone number: 0570-055-955 (Same for calls from mobile phones/pay phones)

4. Provision of information to other outsiders

1) Provision of information to Rakuten Group

Comprised of Rakuten, Inc. (hereinafter "Rakuten") and its subsidiaries and affiliates, the Rakuten Group provides many different kinds of services. We may provide information to the Rakuten Group as follows, to enable you to use such Rakuten Group services in a convenient and comfortable manner.

  • a.Scope of Rakuten Group
    The Rakuten Group consists of Rakuten and its subsidiaries and affiliates. Click here for the list of major Group companies.
  • b.Purpose of third-party provision and personal information, etc. to be provided
    The purpose of third-party provision of information to the Rakuten Group and the scope of personal information, etc. to be provided are as described in the table below.
Purpose of third-party provision Personal information, etc. to be provided*
To provide, operate and manage Rakuten Membership and Rakuten Super Points [1], [3]-[6]
For contract screening:
  • Operations related to contract screening and credit examination, etc. for Rakuten Group services
[1]-[6], [8]-[10]
For identity verification:
  • Verification of you/your family members' identity when your/their application to subscribe to Rakuten Group service has been received and when you/they are about to use its service, etc.
[1], [2], [6]
To provide you with advertisements, promotion and marketing content:
  • Advertising and promotion of products or services of Rakuten Group and other third parties (e.g., business partners) in advertising media including websites (including behavioral targeting advertisements)
[1], [3]-[6], [8]-[10]
To improve and provide services and develop new services:
  • Improvement and provision of existing services and research and development related to new services of Rakuten Group conducted by Rakuten Mobile
  • Research and analysis of usage status and purchase history of Rakuten Group services, and provision of necessary information
  • Questionnaire surveys, analysis and utilization of customer satisfaction and evaluation, customization of service and construction of system for providing information for a specific purpose (e.g., recommendation of products)
[1], [3]-[6], [8]-[10]
To deal with product, service or network faults:
  • Troubleshooting-related operations such as dealing with equipment faults, system failure, faults in products/services, and incidents
  • Operations related to development, operation and administration of terminal equipment, network equipment, facilities, software, etc.
[1], [3]-[6], [8]-[10]
To respond to customer inquiries:
  • Operations related to customer inquiries, opinions, etc.
  • Guidance on procedures for using Rakuten Group services, after-sales service and customer support (e.g., provision of necessary information)
[1]-[6], [8]-[10]
For Rakuten Mobile group's investment analysis:
  • Preparation of statistics for investment and management analysis and use of analysis results
[1], [3]-[6], [8]-[10]

[Note]* The number of the item of personal information, etc. listed in 1. above is shown.

2) Provision of information to assignee of claims, etc.

For the purpose of assigning to a third party claims arising from a contract of the installment purchase of individual products and a reimbursement contract in relation to the purchase of our product by installment payment or lump-sum payment, we may provide personal information, etc. of the party to the contract (e.g., his/her name, address, phone number, email address, billing and payment information such as usage fee and payment status) to the assignee of claims, etc.

When we outsource all or part of our operations relating to installment sales and intermediation of individual credit purchases, etc., we may entrust personal information, etc. retained by us to the outsourcee.

Customer Inquiries and Disclosure of Retained Personal Information, etc.

1. Inquiry counter

If you have any inquiries about personal information retained by us, please contact the following inquiry counter.

Rakuten Mobile Communication Center

TEL: 050-5434-4653

Operating hours: From 9:00 to 20:00 (open seven days a week, 365 days a year)

2. Reception of customer inquiries about notification of purpose of use of retained personal data, disclosure/correction, etc./cease of use, etc./cease of third-party provision of retained personal data and handling of personal information, etc.

If we have received from you a request for the notification of the purpose of use of retained personal data or the disclosure, correction, etc. (i.e., correction, addition or deletion), cease of use, etc. (i.e., cease of use or deletion) or cease of third-party provision of retained personal data, we will respond to you in an appropriate manner within a reasonable period in accordance with laws and regulations after verifying your identity. For the procedures in detail, please refer to How to Request Disclosure, etc. of Retained Personal Data (however, in cases where we have obtained your consent, we will respond by the method to which you consented).

If you have any inquiries about our handling of personal information, etc., please inquire the inquiry counter referred to in "1. Inquiry counter" above.

To request the disclosure of personal information, etc. registered with the subscribed designated credit information bureau, please inquire the subscribed designated credit information bureau referred to above.

3. Accredited personal information protection organization and addressee for complaint resolution requests

The accredited personal information protection organization to which Rakuten Mobile belongs and the addressee for complaint resolution requests are as follows.

Organization name: Japan Consumer Credit Association (JCA)
URL:https://www.j-credit.or.jp/customer/personal-consult/index.html

Revised: April 8, 2020