PRIVACY POLICY 私隱政策

1. compliance with laws and regulations concerning the protection of personal information, etc.

We strictly handle our customers' personal information in compliance with the Act on the Protection of Personal Information, the Act on the Use of Personal Identification Number to Identify Specific Individuals in Administrative Procedures, the guidelines for the protection of personal information in the financial sector issued by our parent company, Daichi Mirai Shinkin Bank, and other applicable laws and regulations.

1) What is personal information?

Personal information" in this Privacy Policy refers to information about living individuals that can be used to identify specific individuals, such as "address, name, telephone number, and date of birth" (including information that can be easily cross-checked with other information and thereby used to identify specific individuals). (3) Information that falls under any of the following categories.

2. purpose of acquisition and use of personal information, etc.

We obtain and use the necessary information to safely and securely proceed with transactions with our customers and to provide better service. Such information will be obtained and used within the scope of business purposes and will not be used for any other purposes.

(1) Purpose of obtaining personal information, etc.

The Company shall clearly state the purpose of obtaining personal information, etc. in advance and shall not obtain personal information, etc. through deception or other wrongful means.
Specifically, we will not acquire your personal information through

• (i) Items entered by customers in various application forms, contracts, etc. for transactions
• (ii) Matters obtained orally with our employees
• (iii) Input items such as "Inquiries" on the Company's website, etc.
• (iv) Other information available to the public The data is obtained from the following sources.

(2) Purpose of use of personal information, etc.

We will use customers' personal information, etc. within the scope of the following business purposes.
(Our business)Businesses
that we are able to operate and operations incidental to these (including businesses that we will be permitted to handle in the future)

In addition, the Company will use the information for the following purposes in connection with the products and services of the Company and its partner companies.

(Purpose of use of personal information)

• (i) To accept applications for various products and services
• (ii) To confirm your identity in accordance with the Act on Prevention of Transfer of Criminal Proceeds and to confirm your eligibility to use our products and services.
• (iii) To manage ongoing transactions for our products and services
• (iv) To properly perform the entrusted work in cases where all or part of the processing of personal information is entrusted by another business entity, etc.
• (v) To exercise rights and perform business based on contracts and laws with customers
• (vi) For research and development of products and services by conducting market research, data analysis and questionnaires
• (vii) To make various proposals regarding products and services, such as sending direct mail
• (viii) To make various proposals regarding products and services of partner companies, etc.
• (ix) To properly and smoothly execute other transactions with customers
• (x) If the purpose of use specified in (1) through (4) above is to be changed, the consent of the individual shall be obtained if the purpose of use after the change exceeds the scope that can be assumed by the individual in terms of socially accepted norms in view of the purpose of use before the change.

(Discontinuation of direct mailings, etc.)

(i) When we receive a customer's request to stop sending direct mailings "for the purpose of proposing various products and services," we will take measures to stop sending such mailings without delay.

(Limitation of purpose of use in accordance with laws and regulations, etc.)

• (i) Information provided by personal credit information agencies regarding a borrower's ability to repay loans will not be used or provided to third parties for any purpose other than to investigate the borrower's ability to repay.
• (ii) Special non-public information, such as information on race, creed, family origin, legal domicile, health care, or criminal background, will not be used or provided to third parties for purposes other than appropriate business operations or other purposes deemed necessary.

(Purpose of use of personal numbers)

To prepare and provide legal documents related to various commodity transactions

3. ensuring the accuracy of personal information, etc.

With respect to customers' personal information, etc., we will endeavor to keep personal data accurate and up-to-date in order to achieve the purpose of use.

4. Basic Policy for the Safe Management of Personal Information, etc.

To prevent loss, leakage, loss, damage, or unauthorized access to customers' personal information, etc., and to otherwise safely manage personal information, etc., the Company shall implement and continually improve measures for the safe management of personal data. In the event that the Company outsources the handling of customers' personal information, etc., the Company will appropriately supervise the outsourcing to ensure the safe management of customers' personal information, etc.

5. Disclosure, Correction, Suspension of Use, etc. of Personal Information, etc.

When we receive a request from a customer for disclosure of information registered with us (including disclosure of records of provision to third parties) When we receive a request from a customer for disclosure of information registered with us (including disclosure of records provided to third parties), we will respond to the request after confirming the customer's identity in the following manner, except in cases where disclosure is prohibited by law.
 When we receive a request from a customer to correct his/her personal information, we will correct the personal information after conducting the necessary investigation. If, as a result of the investigation, we do not make such correction, we will explain the basis for such correction.
 If a customer requests the suspension of use or deletion of personal information, etc. held by the Company in accordance with the provisions of the law, the Company will conduct the necessary investigation without delay and suspend use or delete the personal information, etc. If the suspension of use or deletion is not carried out based on the results of the investigation, we will explain the grounds for such suspension or deletion.

(How to request disclosure, etc.)

We will accept the application using the form prescribed by us.
 We will verify the identity of the customer in accordance with our rules. Requests for disclosure, etc., by a representative entrusted by the customer are also possible, but we will confirm whether or not the representative has the authority to act on behalf of the customer.
 A designated fee will be charged for requests for disclosure, etc.
 If we decide not to disclose the information as a result of our investigation, we will notify you of the reason for the non-disclosure, which will also be subject to the prescribed fee.

6. about Google Analytics

Some of our pages use Google Analytics, a service provided by Google, Inc. When you use Google Analytics on our site, Google collects, records, and analyzes your visits to our site based on the cookies we issue. The information collected, recorded and analyzed by Google Analytics does not contain any personally identifiable information. Such information will be managed by Google in accordance with Google's privacy policy.

You may also opt out of our use of Google Analytics to collect information about you by disabling Google Analytics in your browser's add-on settings. You can disable Google Analytics by downloading and installing the "Google Analytics Opt-Out Add-on" from the Google Opt-Out Add-on Download page and changing your browser's add-on settings. If you disable Google Analytics, Google Analytics will also be disabled on other websites you visit, but you can re-enable Google Analytics by resetting the add-on setting in your browser. You can re-enable Google Analytics by resetting the add-ons on your browser.

For an explanation of the Google Analytics Terms of Use, please visit the Google Analytics site, and for an explanation of Google's privacy policy, please visit their site.

Google Analytics Terms of Service:
https://marketingplatform.google.com/about/analytics/terms/us/
Google's Privacy Policy:
https://policies.google.com/privacy?hl=en-US
Google Analytics Opt-Out Add-on:
https://tools.google.com/dlpage/gaoptout?hl=en-Us

7. About cookies

This site uses cookies to provide better service. Cookies are pieces of information that are sent to the user from the server and stored in the browser.
 Cookies can be disabled, but this may result in some or all of the site features being unavailable.

8. response to customer questions, etc.

We will respond to customer questions and complaints in good faith, so please contact the consultation desk below.

1-19 Midori-cho, Nemuro-shi, Nemuro 087-0051 TEL.0153-27-7725 FAX.0153-27-7726
■Reception Hours/9:00-17:00
■E-mail/hokkaido@eastfront.co.jp