FAQ

(1) Purposes for Collecting Information

We collect the minimum amount of information necessary regarding our customers in order to safely and securely process their transactions, as well as to provide better products and services. This information is used for the following business operations and purposes, and will not be used for any other purpose.

<1> Business Operations

• Operations for the transfer of funds based on the Payment Services Act
• Banking agent operations based on the Banking Act
• Operations to conclude money lending agreement and credit card agreement based on the Money Lending Business Act
• Other operations that may be carried out by money transfer companies, agent of money lender, banking agents, and operations incidental to these (including operations that may be handled in future)

<2> Purposes for Use

• To accept applications for user registration with our company
• To confirm transactions (personal identification) based on laws such as the Act on Prevention of Transfer of Criminal Proceeds
• To confirm the authority of an individual or proxy in various transactions
• To manage ongoing transactions with our company
• To judge the appropriateness of the provision of our services, in line with principles of suitability
• To exercise rights or fulfill obligations based on contracts with customers, laws, etc.
• To research and develop our services through market research, data analysis, questionnaires, etc.
• To offer our services through various methods such as direct mail
• To allow our subcontractors to carry out outsourced work as appropriate
• To allow our business partners to carry out affiliated work as appropriate
• To provide information to a third party to the extent necessary to carry out relevant work such as sending out prizes
• To cancel various transactions or for management post-cancellation
• To appropriately and smoothly carry out transactions with customers, etc.
• To make appointment with our branch

(2) Types of Information Collected

The most common types of information collected are a customer’s address, name, date of birth, phone number, email address, nationality, residence status, and period of stay. In addition, based on the Guidelines for Protection of Personal Information in the Finance Sector, customers’ sensitive information will not be acquired, used, or provided to third parties, except in the cases published in said Guidelines.

(3) How Information is Collected

After taking sufficient security measures, we collect mainly information written or entered in application forms and transaction documents. This also includes collection of information used in smartphone applications, the Internet, etc.
In addition, when collecting information, we will clearly specify its purpose, scope of use, recipients, etc. as is necessary.

(4) Use and Disclosure of Information

We will not disclose customers’ personal information to any third party except in the following cases.

• >When the customer has given consent
• >When disclosure has been determined necessary by law, etc.
• >When it is necessary in order to protect a person’s life, body, or property, and it is difficult to obtain the customer’s consent
• >When it is particularly necessary in order to improve public health or promote the healthy development of a child/children, and it is difficult to obtain the customer’s consent
• >When it is necessary to cooperate with a national institution, local government, or person acting on behalf of either in carrying out duties stipulated by law, and obtaining the customer’s consent may hinder the aforementioned duties

(5) How Information is Managed

We always take the appropriate measures to keep customers’ information accurate and up-to-date. In addition, we do our utmost to implement appropriate secure management measures in order to prevent unauthorized access to or loss, falsification, leakage, etc. of customers’ information. At the same time, we educate all executives and staff who handle customers’ personal information about the importance of protecting said personal information, and properly supervise subcontractors (including those to whom we have outsourced before) when entrusting them with customers’ personal information.

(6) Outsourcing the Handling of Personal Information

When our company outsources the handling of personal information along with subcontracting, we do so after we have made a contract with the subcontractor (who has been selected according to our designated criteria) regarding the handling of personal information in order to ensure that personal information is not used for anything other than the work we have outsourced, as well as to ensure secure management measures in accordance with our Privacy Policy and company regulations.

(7) Customer Requests for Disclosure, Correction, or Cancellation

(Disclosure/Correction)
When a customer requests the disclosure of information about themselves, we will confirm their identity and respond to the request unless there is a special reason not to do so. In addition, if the information we receive is inaccurate, we will make corrections to it.
Please see (9) below for our contact information.

(Cancellation)
If you do not wish to receive information via direct mail or telephone, please see (9) below to contact us. We will cancel that service.

(8) Compliance with Laws, Regulations, Etc.

Our company will comply with laws and other standards regarding personal information, and continuously review and strive to improve our system of protecting personal information.

(9) Contact Information for Inquiries and Complaints