JANKEN Privacy Policy

JANKEN (hereinafter referred to as "this site") has established the following privacy policy (hereinafter referred to as "this policy") regarding the handling of user information, including personal information, in the services provided by this site (hereinafter referred to as "the service").

Collection of User Information and Methods of Collection

In this policy, "user information" refers to information related to the identification of users, behavior history on the service, and other information generated or accumulated in connection with the user or the user's device that this site collects based on this policy. The user information collected by this site in the service will be collected in accordance with the following methods.

Information Provided by Users

To use the service or through the use of the service, users provide the following information:

• Profile information such as name, date of birth, gender
• Payment information such as credit card information, bank account information, electronic money information
• Information related to credit assessment, such as income and debt amounts, other loan repayment statuses, occupation, workplace, family composition, living conditions, and transaction purposes
• Information entered or transmitted by the user through input forms or other methods specified by this site

Information Provided from Other Services When Users Permit Linkage with Other Services

If users permit linkage with external services such as social networking services when using the service, this site will collect the following information based on the consent provided at the time of linkage:

• Profile information such as name, date of birth, gender
• Contact information such as email address, phone number, and address
• Information related to credit assessment, such as income and debt amounts, other loan repayment statuses, occupation, workplace, family composition, living conditions, and transaction purposes
• IDs used by users in external services
• Information on the usage of external services by users
• Other information disclosed by users to the linked external services based on the privacy settings of the external services

Information Collected by This Site When Users Use the Service

This site may collect information about the access status and usage of the service. This includes the following information:

• Referrer
• IP address
• Server access logs
• Cookies, ADID, IDFA, and other identifiers

Purposes of Use

• To accept registration for the service, verify identity, authenticate users, record and manage user settings, and process payments for usage fees, and to provide, maintain, protect, and improve the service
• To develop new products, new features, and new services related to this site's business and conduct market research
• To analyze transaction history, behavior history, and information obtained from external services to provide users with customized services
• To analyze transaction history, behavior history, and information obtained from external services to provide users with relevant information about the service or advertisements from other businesses that are advertisers
• To respond to inquiries and provide guidance regarding the service
• To handle violations of this site's terms related to the service
• To notify users of changes to this site's terms related to the service
• For other purposes incidental to the above

This site does not collect or use sensitive personal information except in cases required by law.

Method of Requesting Suspension of Use

Users can request the suspension of the collection or use of all or part of their user information by configuring the prescribed settings of the service. In such cases, this site will promptly suspend the use of the information as specified by this site. However, certain information is essential for the service, and the collection or use of such information will only be suspended if the user withdraws from the service in accordance with the procedures specified by this site.

Provision to Third Parties

This site does not provide personal information (as defined in the Personal Information Protection Law) to third parties (including those outside Japan) without the prior consent of the user. However, the following cases are exceptions:

• When outsourcing the handling of personal information in whole or in part within the scope necessary to achieve the purposes of use
• When personal information is provided due to business succession through merger or other reasons
• When cooperation with a national agency or local public entity or a party entrusted by them is necessary to carry out the affairs prescribed by law, and obtaining the user's consent may hinder the execution of such affairs
• When permitted by other laws and regulations

Disclosure of Personal Information

When a user requests disclosure of personal information based on the Personal Information Protection Law, this site will promptly disclose the information after confirming that the request is from the user. If the personal information does not exist, the user will be notified accordingly. However, this does not apply if this site is not obligated to disclose the information under the Personal Information Protection Law or other laws and regulations. Please note that a handling fee may be charged for the disclosure of personal information according to procedures separately specified by this site.

Correction and Suspension of Use of Personal Information

When a user requests correction of personal information based on the Personal Information Protection Law due to inaccuracies, or requests suspension of use beyond the scope of the previously announced purposes of use, or requests suspension due to reasons stipulated by the Personal Information Protection Law such as fraudulent collection, this site will promptly conduct the necessary investigation and, based on the results, correct or suspend the use of the personal information and notify the user. If a decision is made not to correct or suspend the use, the user will be notified accordingly.

When a user requests the deletion of personal information, and this site deems it necessary to comply with the request, the personal information will be deleted and the user will be notified accordingly.

The provisions above do not apply if this site is not obligated to make corrections or suspend use under the Personal Information Protection Law or other laws and regulations.

Joint Use of Personal Information

This site may jointly use personal information as follows, based on Article 27, Paragraph 5, Item 3 of the Personal Information Protection Law. However, if joint use is prohibited or restricted by other laws and regulations, this site will comply with those laws and regulations.

Items of Personal Information to Be Jointly Used

• Name
• Address
• Date of birth
• Contact information such as email address and phone number
• Information related to credit assessment, such as income and debt amounts, other loan repayment statuses, occupation, workplace, etc.
• Information on transactions with this site (including identifiers of the users)
• Other information related to credit assessment and risk management

Scope of Joint Users

JANKEN, Kukan Inc.

Purpose of Use by Joint Users

• To develop new products, new features, new services, etc. related to the business of joint users, including the construction of new credit models, and to conduct market research
• To analyze transaction history, behavior history, and information obtained from external services to provide customized services of joint users, including the construction of new credit scores
• To analyze transaction history, behavior history, and information obtained from external services to provide information related to the services of joint users or advertisements from other businesses that are advertisers
• To respond to inquiries and provide guidance regarding the services of joint users
• For other purposes incidental to the above

Management of Jointly Used Personal Information

JANKEN Personal Information Handling Contact (info@janken-hokkaido.com)

Outsourcing of Operations

In sales operations, inquiry response operations, facility maintenance operations, billing-related operations, marketing operations, and other operations, this site may outsource the handling of personal information in whole or in part. When entering into outsourcing contracts, this site will thoroughly examine the suitability of the outsourcing partner. The outsourcing contract will stipulate safety management measures, confidentiality, conditions for re-outsourcing, and other matters related to the proper handling of personal information, and this site will appropriately supervise the outsourcing partners through regular monitoring of the outsourced operations. Personal information provided (entrusted) by the outsourcing client will be used within the scope necessary to achieve the purpose of the contract with the outsourcing client.

Safety Management of Personal Information, etc.

This site takes various safety management measures to keep users' personal information accurate and up-to-date.

This site takes appropriate measures to prevent unauthorized access to users' personal information by limiting access rights to the minimum necessary.

This site takes appropriate information security measures, such as improving storage procedures and system security, to prevent leakage, alteration, loss, or damage of personal information, and implementing measures against unauthorized access and computer viruses.

This site limits the departments that handle users' personal information and grants only the minimum necessary authority in line with the purposes of use, and ensures that the same level of safety management is implemented by outsourcing partners.

This site stores users' personal information in data centers located in Japan and uses external service providers' cloud services and SaaS located in Japan and other countries such as the United States. When handling users' personal information outside Japan, this site takes appropriate safety management measures based on an understanding of the systems of those countries or regions.

Disclaimer

This site takes maximum measures to protect users' personal information from threats such as attacks and intrusions from outside and third parties, but personal information is always exposed to such threats. This site does not guarantee the effectiveness of these protective measures or complete prevention of unauthorized access from outside. This site is not responsible for any damage caused to users due to the leakage of personal information not attributable to this site.

Contact Information

For opinions, questions, complaints, or other inquiries regarding the handling of user information, please contact the following:

JANKEN Personal Information Handling Contact (info@janken-hokkaido.com)

Procedure for Changing the Privacy Policy

This site may change this policy as necessary. However, if the change requires user consent under the law, the changed policy will only apply to users who have agreed to the change by the method prescribed by this site. When changing this policy, this site will inform users of the effective date and content of the changed policy through appropriate methods such as displaying it on this site's website or notifying users.

Relationship with Other Terms and Conditions

In case of discrepancies between the content of this policy and the terms and conditions of this site regarding the service (limited to those agreed by the users), the terms and conditions of this site regarding the service will take precedence over this policy.

Enacted on June 1, 2023