Under the management philosophy of “infusing integrity and honesty in all corporate activities and contributing to the betterment of society through the creation of a new corporate value and environment,” RH Insigno Co., Ltd. (below “RH Insigno”) would like to continue to occupy an invaluable presence for both clients and society as a whole.

For RH Insigno, client personal information represents a vital tool in the provision of its services. RH Insigno believes that the safe and secure management and use of this information is a condition for clients to use its services with peace of mind, and as such, places the highest level of importance in ensuring the highest standards of protection. In all corporate activities, RH Insigno strictly adheres to the following items relating to personal information, exerting its best efforts to preserve the personal information of its clients.

RH Insigno respects client personal information and strictly abides by laws and regulations concerning the protection of personal information as well as the Money Lending Business Act.

RH Insigno does not use personal information beyond the stated reasons of use. Additionally, RH Insigno shall receive the consent of the party regarding the usage of personal information acquired by clients for contractual purposes through a written application with signature or an online application.

• To assess debt repayment capacity
• For information concerning domicile of origin, to confirm the location and identity of the contracting party (applicant) and loan guarantor (proposed).
• To preserve records concerning business dealings, negotiations, or other facts
• To provide information on credit services or credit products
• To research and develop financial products and services for market research and analysis
• For moving and still images captured by security cameras, to prevent crime
• To exercise a right or change, administer or preserve a right after or during the provision of credit
• To seize collateral or liquidate an assigned credit obligation relating to the rights after the provision of credit

RH Insigno shall receive the consent of the client prior to receiving referrals regarding personal information from one of its member personal credit monitoring institutions. Additionally, RH Insigno shall receive the consent of the client prior to registering personal information of the client with one of its member credit monitoring institutions. Further, for personal information received from a personal credit monitoring institution, RH Insigno shall comply with all laws and regulations concerning the handling of personal information as well as the Money Lending Business Act and such information shall not be used for purposes other than stated above.

RH Insigno, in cases where the client requests the disclosure, amendment, or termination of the use of personal information retained by RH Insigno, shall respond truthfully and promptly, and in cases where previously registered personal information contains errors, shall promptly amend or delete such information.

RH Insigno, when receiving a question or complaint concerning personal information from a client, shall exert its best effort to respond promptly and adequately. RH Insigno has established a customer service center internally to respond to client questions or complaints relating to the handling of personal information.

Human Resources & Administration Team
RH Insigno Co., Ltd.
25-1-17 Nishi, Minami 1-Jo, Chuo-ku, Sapporo 064-8525 JAPAN
T. +81-11-622-1517 (telephone enquiries accepted weekdays from 9:00am to 6:00pm)

Enacted February 25, 2005
Amended June 1, 2007
Amended December 19, 2007
Amended June 19, 2009