2. Information We Collect
2.1 Information We Collect from You
We may collect and process the following data about you:
your full name, address, email address, telephone number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request,
details of any transactions you carry out through our Website using your Account and of the fulfillment of your requests,
details of any bank account (including, but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number “TAN” and password, available balance and transaction history of your bank account,),
details of any credit, debit or other card used by you for transactions,
your participation in any promotion sponsored by us,
correspondence that you send us,
calls that we make to you or you make to us,
surveys that you complete,
information collected through cookies – please see section 9 Cookies for more details,
your IP address, log-in times, operating system and browser type,
details of your visits to our Website including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access whilst visiting our Website.
2.2 Information We Collect from Third Parties about You
In order to fulfil our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies, including your financial history, county court judgments and bankruptcies, from credit reference and fraud prevention agencies when you open a Account and at any time when we feel it is necessary to prevent fraud and minimize our financial risks. Please refer to our Money Laundering Policy for further details.
3. How We Use Your Information
We use information held about you in the following ways:
to operate and administer your Account and to provide services that you have requested,
to carry out your instructions to make and receive payments and undertake transactions using our services, including verifying that you have sufficient funds in your nominated bank account to make such payments,
to allow you to participate in interactive features of the Website,
to notify you about changes to our service(s),
to improve our internal customer training,
to comply with financial services regulations including retention of financial information and transactions,
for financial and identity checks, fraud prevention checks, anti-money laundering and credit checks,
for customer service, including answering questions and responding to feedback and complaints,
to enhance the security of our services,
to ensure that content on our Website is presented in the most effective manner for you and for your computer, and
to provide you with information, products or services that you request from us or which we feel may interest you.
4. Storing Your Personal Data
4.1. Where is it Stored?
The data that we collect from you may be transferred to, and stored at, destinations outside office for the reasons set out below:
where our anti-fraud agencies, credit reference agencies and other service providers are based outside Japan and require access to your data to perform their obligations to us and provide services to you,
if you have been referred to us by a third party and that third party is entitled to a commission payment – for further detail see section 5.1.
We are committed to ensuring that your information is secure. To prevent unauthorized access or disclosure of information we have physical, electronic and managerial procedures in place to keep your information safe. Once logged into your Account, all internet communication is secured using Secure Socket Layer (SSL) technology with high security 128bit encryption.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site. Any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.
We are by law required to retain certain records for a period of at least five years after closure of your Account which will include your personal data such as your name, contact details, customer number and transaction history etc. Otherwise, we will delete and destroy all personal data that we hold about you when you (or we) terminate your Account. We do not store your online banking login PIN, TAN and password.
5. Disclosure of Your Information
a prospective buyer of our business or a buyer of a substantial number of the shares in our business, if Limited is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal data, as well as any choices you may have regarding your personal data,
the police, other lawful enforcement body, regulatory body or court if we are under a duty or required by law to disclose or share your personal data , or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others,
third parties where you have expressed an interest in receiving information about their goods and services, and
third parties who referred you to us initially and to whom we owe a commission payment as a result of the referral. Where the commission payment is based on transaction volumes, numbers or types of transactions, we may share that information with that third party, but we will not disclose the full details of each of your transactions without your further written consent.
third parties we may occasionally use to provide you with the services that you have requested. We require these third parties to not use your personal information for any other purpose.
6. Communicating With You
We may contact you by email to the primary email address registered with your Account or by telephone to the contact telephone numbers you have provided when registering for your Account. You can change your primary email address and/or contact telephone number at any time, subject to the provisions of section 8 below.
You may also receive system-generated transactional emails such as confirmation of uploads, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your account.
6.1. Newsletters and Marketing
As a Account holder, you will occasionally receive information by email from us, unless you have chosen not to receive such communication, and if you have consented to do so from our group companies too, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us and our group companies in the “Profile” section of your Account or in any newsletter email by clicking on the appropriate ‘opt-out’ link. Please note that you will still receive communication regarding your Account such as transactional emails or other notification affecting the operation of your Account or our legal relationship.
From time to time we do share aggregated information about our customers’ use of our website and services with other companies for research and analysis purposes, but you cannot be identified from this aggregated information.
Phishing is the name given to attempts to steal personal details and financial account details from a website user. “Phishers” use fake or “spoof” emails to lead users to counterfeit websites where the user is tricked into entering their personal details, such as credit card numbers, user names and passwords. WE WILL NEVER SEND EMAILS ASKING YOU FOR SUCH DETAILS AND OUR STAFF WILL NEVER ASK YOU FOR YOUR PASSWORD.
If you do receive such an email or are asked for your password by anyone claiming to work for us please forward the email or report the incident by email to our Data Protection Officer (contact details are at the end of this policy) or by contacting Customer Services.
7. Links to Other Websites
Our Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
8. Accessing and Updating Your Information
You have the right to access information that we hold about you. To do so, please contact us at the address given at the end of this policy.
A cookie is a small amount of data which contains information that is downloaded to the device from which you access our site. Cookies are useful because they allow us and other websites to recognize your device. For more comprehensive information about how cookies work, see http://www.allaboutcookies.org.
Cookies are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. For example, they can allow you to navigate between web pages of our site and remember your preferences such as your language selection.
9.2. Types of Cookies and Consent
Strictly necessary cookies – These are cookies which are essential for our site to operate such as those which identify you so you can log into your Account. They allow you to move around our website and use the services you have requested. These cookies will be activated when you enter our site and as you use our site.
Compliance cookies – These include cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations, and prevent your l Account from being hijacked. These cookies will be activated when you enter our site and as you use our site.
Performance cookies – These are cookies that help us to improve how our site works and to deliver a better service to you. For example, they will assess which pages you visit most often or if you get an error message. They also allow us to see if you have used the site of one of our group or affiliated companies. All information collected by these cookies is aggregated and therefore anonymous.
Functionality cookies – These cookies allow us to deliver a more personalized service to you and allow our site to remember choices you have made such as the language you prefer or the region you are in. They may also be used to provide services you have requested such as being able to comment on one of our blogs.
Third Party cookies – When you visit a page on our site with content embedded from third parties, for example, YouTube or Twitter, cookies may be downloaded onto your device. We do not set or control these cookies. If you are concerned about the types of cookies that may be downloaded you check the third party websites for more information about these cookies.
Further details of the cookies we use and how they relate to the descriptions set out above can be found in Annex A to this policy. We may use other cookies from time to time in accordance with this policy. By using our sites and other online services, you acknowledge that we may use some or all of the cookies set out in Annex A and you agree that we can place Performance and Functionality Cookies on your device when you use our site. If you do not agree to this you should cease using our sites and online services or adjust your browser settings. Please see section 9.3 below.
9.3. Blocking Cookies
9.4. Behavioral Targeting/ Re-Targeting
(Google AdSense) We use Google AdSense to publish ads on this site. When you view or click on an ad a cookie will be set to help better provide advertisements that may be of interest to you on this and other websites. You may opt-out of the use of this cookie by visiting Google’s Advertising and Privacy page: http://www.google.com/privacy_ads.html
10. Contact Us
Post: Data Protection Officer, KCC International Ltd, Floor 4, 1-9-19, Higashi-shinsaibashi, Osaka-shi, Osaka, 542-0083, JAPAN