3. Matters Regarding Procedures to Comply with in respect of Requests for Disclosure and Other Actions
We will respond to a request from you or your agent for disclosure, Revision (as defined below) or Discontinuance of Use (as defined below) of your personal information in the manner set out below. In this section, “Revision” means revision, addition and deletion of personal information and “Discontinuance of Use” means discontinuance of use, deletion and/or discontinuation of provision to any third party of the personal
（1）Significant items of personal information for which you can make a disclosure request
Name, membership number, date of birth, zip code, address, phone number, gender, place of employment, contract date, usage limit, expiry date, outstanding amount, status of payments and other relevant information.
（2）Cases where we can refuse to disclose your personal information
We will not disclose your personal information in any of the cases described below. If we refuse to disclose your personal information, we will notify you of the reason therefor.
(i) We cannot verify your identity;
(ii) We cannot verify the power of attorney of your agent if the request is made by your agent;
(iii) Your application form, identity verification document or other similar document is incomplete;
(iv) The item of information requested for disclosure does not fall under any of the items of disclosable personal information;
(v) The disclosure is likely to harm your life, body, property or other right or interest, or that of any third party;
(vi) The disclosure is likely to seriously impede the proper execution of our business; or The disclosure would result in a violation of any other laws or regulations.
（3）Revision or Discontinuance of Use
If you request us to conduct Revision of your personal information on the grounds that such information is incorrect or false, or if we are required to conduct Discontinuance of Use of your personal information pursuant to any laws or regulations, we will conduct an investigation on your request. If we confirm that the reason for your request is legitimate, we will comply with your request for Revision or Discontinuance of Use.
（4）Parties qualified to request for disclosure
(ii) Your statutory agent; and
(iii) Your appointed agent.
（5）Point of contact for disclosure requests
Please contact the point of contact stated on the back of your credit card for a request for disclosure, Revision or Discontinuance of Use or for any other inquiry. We kindly request that you make a disclosure request by completing our designated application form (please request a copy of our designated application form by calling the point of contact mentioned above) and mailing it to us with the supporting documents attached.
The point of contact for each card is set out in the following webpage:
American Express Merchants Service Hotline
0120-333983 (9:00-17:00 / closed on Saturdays, Sundays and National Holidays)
（6）Documents to be submitted
|Your statutory agent
||Your appointed agent
|(i) Our designated application form
|(ii) Document to verify the identity of your agent or yourself*1
|(iii) Document to certify the power of attorney*2
*1 Document to verify the identity of your agent or yourself
You must submit any of the following documents as a document to verify the identity of your agent or yourself (limited to those documents that have not expired yet or those issued no earlier than three months ago). You must submit either (i) a copy of the document listed as photo ID below or (ii) copies of two or more types of the documents listed as ID without a photo below.
|ID without a photo
|Health insurance card
|Certificate of driving history
||Proof of national pension
||Proof of employees’ pension
|Basic resident registry card with a photo
|Certified copy of your family register (or abridged
family register) (original copy issued by a public organization no earlier
than three months ago)
|Special permanent resident certificate
||Resident record (original copy issued by a public
organization no earlier than three months ago)
|Crew member's pocket ledger
||Certificate of seal registration (original copy
issued by a public organization no earlier than three months ago with the
registered seal affixed in the margin)
|My Number Card (front side only*)
*You do not need to submit a copy of the back side
of the card where your My Number is stated. (Notification cards are not
Other certificates issued by a public organization
|Other certificates issued by a public organization
If you submit a copy of a document that includes your My Number, basic pension number, place of your registered domicile or insurance number and code or number of the insured, etc., please black out or redact those numbers or information so that they are unreadable. If your Health insurance card has a QR code, please black it out so that it is unreadable.
*2 Document to certify the power of attorney For statutory agents, the document to certify the power of attorney must be:
- One of the documents listed below.
- Limited to those issued no earlier than three months ago.
- Documents listed below that are marked with * are acceptable only if they are original copies issued by a public organization.
- If your agent submits a copy of a document that includes the place of your registered domicile or that of your agent, please black it out and redact the same so that it is unreadable.
|Person who has parental authority
|Certified copy of your family register* or your resident record*
|Guardian of a minor
|Certified copy of your family register*, court decision on appointment or certificate of registration of guardianship*
|Guardian of an adult
|Court decision on appointment or certificate of registration of guardianship*
For appointed agents, the document to certify the power of attorney must be:
- Our designated letter of attorney (Please affix your signature and registered seal to the letter and attach a certificate of seal registration. If your appointed agent is a lawyer or certified judicial scrivener, please indicate his/her registration or certification number.)
We will not charge any fees. We will publicly announce any change to the fees in advance.
（8）Method of providing our reply
||Method of providing our reply
|Your statutory agent or yourself
||In general, a disclosure report will be made in writing, and will be sent by mail to the requester of the disclosure. For security reasons, files can also be sent by email when the software/applications that we specified are available.
|Your appointed agent
|In principle, a disclosure report will be sent to the person who is a party to the agreement via the above methods, to the address and/or e-mail address that the person has notified to us in advance. (If there is no e-mail address that has been notified to us in advance, the person must notify us of the e-mail address before applying for the disclosure request.).
4．Registration with and Use of Consumer Credit Bureaus
We are members of certain credit bureaus. We will handle personal information of our customers in the following manner when such consumer credit bureaus are involved:
（1）Upon obtaining our customers’ consent, we will refer to the consumer credit bureaus of which we are registered as a member and their affiliates for personal information of our customers. If the personal information is registered with any of those credit bureaus, we will use the information for our credit decisions and account management after the credit has been offered; provided, however, that we will only use the information about our customers’ ability to pay and repay solely for the purpose of examining their ability to pay and repay pursuant to the Installment Sales Act and the Money Lending Business Act.
（2）Upon obtaining our customers’ consent, we will register certain items of information of our customers listed below with the consumer credit bureaus of which we are registered as a member for the period indicated in the table below. The information so registered will be used by members of the said consumer credit bureaus and their affiliates for the purpose of examining the individual’s ability to pay and repay; provided, however, that the information about the ability to pay and repay will only be used solely for the purpose of examining the individual’s ability to pay and repay pursuant to the Installment Sales Act and the Money Lending Business Act.
Items of information to be registered and the period of registration
|Items of Information to be Registered
|Credit Bureaus Whereby Information Will Be Registered With and Period of Registration
|Credit Information Center CORP.
|Japan Credit Information Reference Center Corp.
|（1）Name, date of birth, gender, address, phone number, place of employment, driver's license number, codes and numbers of identity
verification documents and other ID information
|According to the periods stipulated in items (2), (3) or (4) below.
|（2）The details of the customer’s application and the agreement entered into with us
|Six months from the date we make a reference
|No longer than six months from the date of reference
|（3）Objective details about transactions relating to the agreement entered into with us
||During the term of the agreement and for no longer than five years from the termination date of the agreement
|During the term of the agreement and for no longer than five years from the termination of the agreement (provided that information about the assignment of claims will be registered for no longer than one year from the date of occurrence)
|（4）The details of any delay in the payment of debts
||During the term of the agreement and for a period of five years from the termination date of the agreement
|During the term of the agreement and for no longer than five years after the termination of the agreement
（3）Items of information to be registered with the consumer credit bureaus include name, date of birth, gender, address, phone number, place of employment, driver's license number, codes and numbers of identity verification documents and other ID information, contract date, contract type, date when money is received, contract amount, maximum limit, number of payments, outstanding amount, scheduled date of full repayment, status of payments (including cancellation, full payment and other facts) and other information designated by the consumer credit bureaus.
（4）In addition to the above, the personal information listed above could be mutually provided or used by the consumer credit bureaus and their members to the extent necessary to keep the information accurate and up-to-date, handle complaints and ensure the protection and proper use of personal information, including monitoring of the members’ compliance with their regulations by the consumer credit bureaus.
（5）The regulations, membership qualifications, names of member corporations and other relevant information of each of the consumer credit bureaus are available on their respective websites. Please note that
disclosure of the information registered with a consumer credit bureau will be handled by the said consumer credit bureau (we cannot disclose such information).
Names, contact information and other relevant information of the consumer credit bureaus of which we are registered as a member are set out below:
Name: Credit Information Center CORP. (the Designated Credit Bureau pursuant to the Money Lending Business Act and the Installment Sales Act)
Address: 15th floor, Shinjuku First West Bldg.,
1-23-7, Nishi-Shinjuku, Shinjuku-Ku, Tokyo, 160-8375, Japan
Phone number: 0570-666-414
Website address: http://www.cic.co.jp
Name: Japan Credit Information Reference Center Corp. (the Designated Credit Bureau pursuant to the Money Lending Business Act)
Address: Sumitomo Fudosan Ueno Building No. 5,
1-10-14, Kita-ueno, Taito-ku, Tokyo, 110-0014, Japan
Phone number: 0570-055-955
Website address: http://www.jicc.co.jp
Name, contact information and other relevant information of our affiliated credit bureau Name: Personal Credit Information Center of the Japanese Bankers Association
Address: 1-3-1, Marunouchi, Chiyoda-ku Tokyo,
Phone number: 03-3214-5020
Website address: http://www.zenginkyo.or.jp/pcic/