In the course of performing our operations pursuant to installment sales contracts or individual credit purchase intermediation contracts pertaining to installment sales and intermediation of individual credit purchases, etc. (collectively, "installment sales contracts, etc."), we, Rakuten Mobile, Inc. ("Rakuten Mobile" or "we"), collect, use and provide third parties with personal information, etc. of our customers ("Customer" or "you"), to the extent necessary for fulfilling the purposes of use listed below.
Uses of Personal Information, etc.
Customer inquiries and disclosure of retained personal information
To fulfill the purposes of use listed below, we collect personal information, etc. about you as specified below. Your personal information, etc. which we collect includes information that you give us directly, information about your use of our services, and information obtained from third parties. For details on the purposes of provision to third parties, please refer to "3. Provision of Information to Other Outside Parties."
The term "personal information, etc." includes all information from which you are directly or indirectly identifiable as an individual. Among such "personal information, etc.," the term "personal information" refers to such term as defined in the Act on the Protection of Personal Information.
| Purposes of use | Personal information, etc. to be used*1 |
|---|---|
1. To provide installment sales services:
|
[1]-[10] |
2. To properly address inquiries, etc.:
|
[1]-[6], [8]-[10] |
3. To perform contract screening:
|
[1]-[6], [8]-[10] |
4. To prevent and address fraudulent acts:
|
[1], [3]-[10] |
5. To provide advertising, promotional and marketing content:
|
[1], [3]-[6], [8]-[10] |
6. To improve and provide services and develop new services:
|
[1], [3]-[6], [8]-[10] |
7. To enable investment analysis*2 by Rakuten Mobile:
|
[1], [3]-[6], [8]-[10] |
[Note]
*1 Indicates the item numbers listed in the "Items of personal information, etc." below.
*2 Refers to analysis conducted by using artificial intelligence, etc., based on past or present information about you or other individuals (including personal information, statistical information, and inferred information).
The retention period for the personal information held by us shall be limited to the period necessary to fulfill the purposes of use of such personal information. Personal information whose retention period has expired will be deleted without undue delay, using appropriate means. In addition, we may retain and use your personal information after the termination of your relevant contract with us, in order to comply with our legal and regulatory obligations, collect fees, resolve disputes and issues, exercise rights, and conduct various investigations which may be necessary for any of the foregoing.
| Items of personal information, etc. to be used | Sources of information |
|---|---|
| [1] Information about you (e.g., your name, address, date of birth, gender, telephone number, occupation, place of work, and email address) | Customer |
| [2] Number identifying you as an individual and other information as stated in your identity verification documents | Customer |
| [3] Information on the specifics of your application (e.g., name of product, quantity applied for, application date and passcode) | Customer |
| [4] Information on payment method (e.g., your transfer account and credit card) | Customer |
| [5] Information on billing and payment (e.g., your usage fees, payment status and payment dates) | Customer's use of services |
| [6] Information on communication equipment provided to you in connection with the relevant contract | Customer's use of services |
| [7] Your information obtained from the Participating Credit Bureau*1 and personal credit bureaus partnering with such bureau | Customer's use of services |
| [8] Information on the content and history of your inquiries to us | Customer's use of services |
| [9] Your browsing history website and service usage history on our website | Customer's use of services |
| [10] Other information collected in conjunction with our provision of installment sales and intermediation of individual credit purchases, etc. | Customer's use of services |
*1 Refers to the bureau specified in 2.1) (i) below; the same applies hereinafter.
1) Consent to the use of credit information held by credit bureaus
(i) From among your personal information, etc., we provide information used to identify you (e.g. your name, address, date of birth, telephone number, employer, employer's telephone number, and characters/numbers stated in your identity verification documents, etc.) to a credit bureau*1 which we are a member of (the "Participating Credit Bureau"), and to the credit bureaus partnering therewith (each a "Partnering Credit Bureau"). We also make inquiries to the Participating Credit Bureau and its Partnering Credit Bureaus regarding your credit information (meaning the information listed in 3)(i) below; the same applies hereinafter).
(ii) If, as a result of any inquiry mentioned in (i) above, your credit information is found to be registered with the Participating Credit Bureau or any Partnering Credit Bureau, we will receive and use such credit information to assess your payment and repayment capacity.
*1 A "credit bureau" is an agency engaged in the business of providing credit information regarding an individual's payment and repayment capacity to business operators that are members of such credit bureau ("Member Business Operators").
2) Consent to the provision of credit information to credit bureaus
From among your personal information, we provide the Participating Credit Bureau with your credit information as listed in the table below, which shall be based on your installment sales contracts, etc. Such credit information will be retained by the Participating Credit Bureau for the respective periods specified in the table below, and is used in the manner described in 3) below.
| Recipient of credit information | Credit information provided | Retention period |
|---|---|---|
| Credit Information Center Corp. (CIC) | [1] Information used to identify an individual (i.e., information that identifies you as an individual, such as your name, address, date of birth, telephone number, employer, employer's telephone number, and characters/numbers stated in your identity verification documents, etc.) | For the period during which any of the information in [2] through [4] is registered |
| [2] Facts relating to your applications for installment sales contracts, etc. | For six months from the date of our inquiry to CIC | |
| [3] Objective transaction facts pertaining to your installment sales contract, etc. (i.e., information on contract details, such as the contract date, contract type, application date, contract amount, loan amount, product name and quantity, contract frequency/term, and number of installment payments; and information pertaining to payments, etc., such as billed amounts, amounts paid, outstanding balances, installment balances, scheduled annual billing amount, payment dates, repayment completion date, and scheduled repayment completion date, etc.) | During the term of the relevant installment sales contract, etc., and for up to five years after the termination of such contract | |
| [4] Information on the fact of your payment delinquency included in the foregoing objective transaction facts pertaining to your installment sales contract, etc. (if applicable) | During the term of the relevant installment sales contract, etc., and for five years after termination of such contract | |
| [5] Information on the investigation conducted such as in response to your complaint made regarding payment or repayment information, or in response to your assertion of a defense for the suspension of payments (if applicable) | For the period necessary for such investigation |
3) Consent to the use of credit information by Participating Credit Bureau and the provision thereof to Member Business Operators
The Participating Credit Bureau will use the credit information it holds about you and provide such credit information to its Member Business Operators and to the Member Business Operators of its Partnering Credit Bureaus, in the manner described below, for the purpose of facilitating investigations into your payment and repayment capacity conducted by any of such Member Business Operators.
(i) Credit information held by Participating Credit Bureau
The Participating Credit Bureau holds the following credit information:
(ii) Use of credit information by Participating Credit Bureau
The Participating Credit Bureau uses the credit information it holds, in the following manner:
(iii) Provision of credit information by the Participating Credit Bureau to Member Business Operators
The Participating Credit Bureau provides credit information (the information set forth in (i)(a), (b), and (c) above) to its Member Business Operators. Furthermore, the Participating Credit Bureau provides credit information (i.e., the information set forth in (i)(a) above) to the Member Business Operators of its Partnering Credit Bureaus through such Partnering Credit Bureaus.
4) Participating Credit Bureau and its Partnering Credit Bureaus
(i) Name, etc. of the Participating Credit Bureau
The name and contact telephone number of the Participating Credit Bureau are as specified below. In addition, if we newly become a member of another credit bureau during the term of your installment sales contract, etc. and intend to use or provide your credit information, we will separately notify you in writing (including by way of electronic or magnetic records), and obtain your consent.
Please refer to CIC's website above for further details, such as its membership requirements and the names of its Member Business Operators, the purposes and methods of its use of credit information, and its "Credit Guidance" services.
(ii) Names, etc. of Partnering Credit Bureaus
The names and contact telephone numbers of the Partnering Credit Bureaus are as follows:
*Please refer to Personal Credit Information Center's website above for further details, such as its membership requirements and the names of its Member Business Operators.
*Please refer to JICC's website above for further details, such as its membership requirements and the names of its Member Business Operators.
1) Provision of information to Rakuten Group
Comprised of Rakuten Group, Inc. ("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, in order to enable you to use these Rakuten Group services in a convenient and comfortable manner.
| Purposes of provision to third parties | Personal information, etc. to be provided*2 |
|---|---|
| To provide, operate and manage Rakuten membership and Rakuten Points | [1], [3]-[6] |
To perform contract screening:
|
[1]-[6], [8]-[10] |
To perform identity verification:
|
[1], [2], [6] |
To provide advertising, promotional and marketing content:
|
[1], [3]-[6], [8]-[10] |
To improve and provide services and develop new services:
|
[1], [3]-[6], [8]-[10] |
To address product, service or network issues and failures:
|
[1], [3]-[6], [8]-[10] |
To address customer inquiries:
|
[1]-[6], [8]-[10] |
To facilitate Rakuten Mobile Group's investment analysis*1:
|
[1], [3]-[6], [8]-[10] |
[Note]
*1 Refers to analysis conducted by using artificial intelligence, etc., based on past or present information about you or other individuals (including personal information, statistical information, and inferred information).
*2 Indicates the item numbers listed in the "Items of personal information, etc."
2) Provision of information to assignees of claims, etc.
For the purpose of assigning, to a third party, any claim arising from an individual product installment purchase contract or reimbursement contract in relation to any purchase of our product by installment payment or lump-sum payment, we may, in respect of your status as a party to such contract, provide your personal information, etc. (e.g., your name, address, phone number, email address, billing and payment information such as usage fees and payment status), to the relevant assignee of said claim, etc.
In the case where we outsource all or part of our operations relating to installment sales and intermediation of individual credit purchases, etc., we may entrust the personal information, etc. retained by us to our outsourced service providers.
1) Changing the purposes of use
When any of the purposes of use listed in 1 above is to be changed, such purpose of use shall not be changed beyond the extent that can be reasonably recognized as being related to the purpose of use before such change. If we intend to use your personal information beyond the extent necessary for fulfilling the purposes of use listed in 1 above, we will specify such purpose of use and obtain your prior consent each time.
2) Revisions to this Policy
We may revise or amend this Policy ("Handling of Personal Information in Installment Sales and Intermediation of Individual Credit Purchases, etc.") from time to time as necessary in response to amendments to applicable laws and regulations or to meet business needs, etc.
In such case, we will inform you of any such revision by publishing a notice of revision to this Policy, as well as the details and effective date of the amended Policy, on our website. Furthermore, we will additionally notify you of such revision by email, etc., in the event that any material revision is made to this Policy and we consider such additional notice to be specifically necessary.
Name: Rakuten Mobile, Inc.
Address: 1-14-1 Tamagawa, Setagaya-ku, Tokyo
Representative: Shunsuke Yazawa, Representative Director and President
If you have any inquiries about your personal information retained by us, please contact us as follows:
Rakuten Mobile Communication Center
TEL: 050-5434-4653
Business hours: 9:00 to 17:00 (available 365 days a year)
If we receive your request for notification of the purposes of use of retained personal data or for the disclosure, correction, etc. (i.e., correction, addition or deletion), discontinuation of use, etc. (i.e., discontinuation of use or deletion), or discontinuation of third-party provision of retained personal data, we will address such request in an appropriate manner and within a reasonable timeframe in accordance with the laws and regulations, after verifying your identity. For further details on such procedures, please refer to How to Request Disclosure, etc. of Retained Personal Data (however, in the case where we have obtained your consent, we will respond to you by using the method to which you have consented).
If you have any inquiries about our handling of personal information, etc., please contact us at the point of contact specified in "1) Point of contact" above.
To request the disclosure of personal information, etc. registered with the Participating Credit Bureau, please contact the Participating Credit Bureau indicated above.
The accredited personal information protection organization to which Rakuten Mobile belongs and the contact information for the submission of 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: May 26, 2026