Handling of Personal Information of Individual Customers
In accordance with the Act on the Protection of Personal Information (Act No. 57, May 30, 2003) and the Act on the Use of Numbers to Identify a Specific Individual in the Administrative Procedure (Act No. 27, May 31, 2013), the Bank shall use collected customers’ “personal information and ‘social security and tax numbers’ (“Individual Numbers”)” (collectively, “Personal Information”) for the following operations within the scope required to achieve the following purpose of use.
 The Bank shall stipulate the purpose of use specifically for customers’ clear understanding of the purpose. For instance, when the Bank asks customers to answer questionnaires, the Bank shall endeavor to limit the purpose of use (e.g., to count and organize questionnaire results) according to the situation.
 
Operations
# Deposits, domestic exchange, money exchange, loans, foreign exchange, and incidental operations thereto
# Investment trust sales, insurance sales, securities brokerage, trusts, corporate bonds, and other operations that banks are permitted to operate under the laws, and incidental operations thereto
# Other operations that banks are permitted to operate, and incidental operations thereto
(including those that will be permitted to be handled in the future)
 
Purpose of Use
[1]Purposes of Use of Personal Information
Of the Personal Information, the Bank shall use personal information to the extent required to achieve the following purposes of use:
1. Concerning finance instruments and services of the Bank and its affiliates and partners, the Bank shall use personal information for the following purposes of use:
 # Receive applications for financial instruments and services (e.g., application for opening an account for various financial instruments);
 # Conduct identity verification based on the Act on Prevention of Transfer of Criminal Proceeds and confirm eligibility for using financial services;
 # Conduct management for continuous transactions (e.g., due date control in deposit, loan, and other transactions);
 # Make judgments on the appropriateness of providing financial instruments and services (e.g., judgment against the principle of appropriateness);
 # When all or part of processing of personal information is entrusted by other businesses, accomplish this entrusted operation appropriately;
 # Exercise rights or fulfill obligations in accordance with contracts (i.e., contracts between a customer and the Bank and contracts directly or indirectly related to the Bank’s operations) and the relevant laws and regulations;
 # Study and develop financial instruments and services through market research, data analyses, and surveys;
 # Provide customers with various proposals on financial instruments and services by sending direct mail or other means;
 # Provide customers with various proposals on the products and services of its affiliates and partners;
 # Cancel various transactions and conduct management after cancellation of transactions; and
 # Any other purposes for administering the Bank’s financial instruments and services appropriately and effectively.
[2]Purposes of Use of Individual Numbers
Of the Personal Information, the Bank shall use Individual Numbers and personal information incorporating Individual Numbers within the scope required to achieve the purposes of use listed below:
1. Individual Numbers administrative operations for customers
 # Application for and report of the opening of accounts for financial instruments transactions
 # Preparation of statutory documents pertaining to financial instrument transactions
 # Preparation of statutory documents pertaining to life insurance contracts and so forth
 # Preparation of statutory documents pertaining to non-life insurance contracts and so forth
 # Preparation of statutory documents pertaining to trust transactions
 # Preparation of statutory documents pertaining to transactions of gold bullion and so forth
 # Preparation of statutory documents pertaining to overseas remittances and other transactions
 # Application of the tax-free savings system and so forth
 # Operation of the property accumulation system (zaikei) and so forth
 # Preparation of statutory documents pertaining to educational funds management contracts
 # Preparation of statutory documents pertaining to marriage/child rearing funds management contracts
 # Provision of Individual Numbers to book-entry institutions and so forth concerning financial instruments transactions
 # Acceptance of applications for income tax convention
 # Operation of numbering deposit accounts (*1)
(*1) This revision (addition) is effective on January 1, 2018.
2. Individual Numbers administrative operations for individuals
 # Preparation of payment reports for compensation, fees, contract money, and awards
 # Preparation of payment reports for real estate rentals
 # Preparation of payment reports for remuneration for the acquisition of real estate and so forth
 # Preparation of payment reports for agent commissions for selling/purchasing/lending of real estate and so forth
 # Preparation of payment reports for remuneration paid to nonresidents and so forth for personal services provision business
 # Preparation of payment reports for real estate rentals paid to nonresidents and so forth
 # Preparation of payment reports for industrial property royalties paid to nonresidents and so forth
 # Preparation of payment reports for machine rental fees paid to nonresidents and so forth
 # Preparation of payment reports for salaries, compensation, pensions, and awards paid to nonresidents and so forth
 # Preparation of payment reports for remuneration for the acquisition of real estate paid to nonresidents and so forth
3. Utilization for operations related to the Bank to the extent permissible under laws and regulations
4. If the Bank is entrusted with business by a company or organization and handles the Personal Information of the employees, members, retired employees, and shareholders of such company or organization in the course of business, the Bank shall use their Individual Numbers solely to the extent required to fulfill entrusted operations in accordance with the provisions of the service agreement of each operation.
⟨Request to report any change of your Individual Number⟩
If your Individual Number is changed, please promptly report it to the counter of your branch or
"Shinsei Power Call" (0120-456-007; Service hours: 24 hours/day; 365 days/year)
 
Regarding Sensitive Information
 Pursuant to the Enforcement Regulations of the Banking Act, etc., any special private information such as sensitive information (information which is not open to the public, such as information on race, belief, family origin, registered domicile, healthcare record or criminal record and so on) shall not be used for any purpose other than those deemed necessary for the appropriate management of operations or otherwise nor shall it be provided to any third party.
 
Upon Solicitation of Insurance Products
 Upon solicitation of insurance products, the Bank shall use personal information to the extent required for the fulfillment of the following purposes of use in addition to those stated above.
# For the purpose of appropriately performing the business entrusted by insurance companies
 
Upon Conducting Housing Loan Transactions
 Upon conducting housing loan transactions, the Bank shall use personal information only to the extent required for the fulfillment of the following purposes of use, in addition to those stated above.
# Approve or rejection of applications for loans, the continuous use of loans and so forth;
# Provision of personal information to third parties such as personal credit information institutions of which the Bank is a member, to the extent required for the appropriate performance of operations, while the Bank is offering credit;
# For the purpose of provision to third parties (to insurance underwriters) to the extent required for the administrative purposes of the insurance underwriter upon accepting applications for group credit life insurance; and,
# For the purpose of appropriately performing the business entrusted by insurance companies upon accepting applications for fire insurance.
 Pursuant to the Enforcement Regulations of the Banking Act and so forth, any information concerning the debt-paying ability of the customer who is in need of funds shall not be used for any purpose other than examination of the debt-paying ability of such customer nor shall it be provided to any third party.
 In relation to the credit business, the Bank shall provide information to the personal credit information institutions described below only to the extent required for the appropriate performance of business pursuant to the membership provisions of such institutions.
* The Personal Credit Information Center
TEL: 03-3214-5020
HP: http://www.zenginkyo.or.jp/pcic/index.html
* Japan Credit Information Reference Center Corp.
TEL: 0120-441-481
HP: http://www.jicc.co.jp
 
 Please note that the information provided to The Personal Credit Information Center and Japan Credit Information Reference Center Corp. may be used by the following personal credit information institutions which form business alliances with the institution.
* CREDIT INFORMATION CENTER CORP.
TEL: 0120-810-414
HP: http://www.cic.co.jp
 
For customers who use Shinsei American Express Cards
 The Bank along with American Express International, Inc., jointly use the following data regarding the personal information of customers which we accumulated from accepted applications for Shinsei American Express Cards. For details, please visit the website of American Express International, Inc.
 
Information under Joint Use
 Information on the profiles of card members (name, address, date of birth, telephone number, etc.), information on debit accounts, and information on use of cards
 
Purposes of Use
 Solicitation, issuance, maintenance, provision of basic and incidental services, and marketing activities such as provision of information on operations in relation to cards
# The party primarily responsible for managing personal information jointly used.
American Express International, Inc.
 
* American Express International, Inc.
Membership Service Center: 0120-020-120
HP: http://www.americanexpress.com/japan
 
Representations and Covenants Renouncing Antisocial Forces
I represent and covenant that I am not and will not be an organized group of gangsters (boryoku dan), a member of an organized group of gangsters, a person whom 5 years have not yet passed since leaving an organized group of gangsters, a quasi member of an organized group of gangsters, an affiliated business enterprise of an organized group of gangsters, a sokaiya corporate racketeer, a hoodlum who claims to advocate for social activities etc. (shakai undo tou hyoubou goro), a violent group with special intellect etc. (tokushu chinou boryoku shudan tou), or others who conform to these persons or groups ("Organized Crime Group Members, etc."), and that I do not, and will not, constitute any of the following 1. (a) - (e), and that I do not, either in person or with the assistance of any third party, engage in any activities that correspond to any of the following 2. (a) - (e). I will not make any objections if the Bank suspends transactions under the PowerFlex account or, upon notice, terminates the PowerFlex account, in cases where: I have breached the representations and covenants I made above; or the representations and covenants I made above have proved to be false. If such suspension of the transactions or termination of the PowerFlex account causes any damages, I shall take full responsibility and I will not claim for any damages against your Bank, and will compensate any damages incurred by your Bank.
 
1. (a) Connected with Organized Crime Group Members, etc. where my management is recognized to be controlled by Organized Crime Group Members, etc. ;
(b) Connected with Organized Crime Group Members, etc. where Organized Crime Group Members, etc. are recognized to be substantially involved in my management;
(c) Connected with Organized Crime Group Members, etc. where I am recognized to be wrongfully using Organized Crime Group Members, etc. to fraudulently benefit oneself or a third party or for the purpose of causing damage to a third party;
(d) Connected with Organized Crime Group Members, etc. where I am recognized to be providing funds, etc. or necessary accommodations to Organized Crime Group Members, etc.;
(e) Officers or persons who are substantially involved in my management have connections with Organized Crime Group Members, etc. which should be socially condemned.
 
2. (a) Making a threatening demand (boryoku-teki yokyu koui);
(b) Making an unjustifiable demand beyond legal liability;
(c) In relation to a transaction, engaging in threatening speech or behavior or using illegal force;
(d) Damaging the credit of your Bank or obstructing your Bank's business by spreading false rumors, using fraudulent means or using illegal force; or
(e) Any activities similar to any of the foregoing.
>Basic Policy Concerning Protection of Personal Information<
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