Privacy Policy

1Policy Statement

YEN LOANS K.K. (“YEN LOANS”, “we”, “us”, or “our”) is committed to protecting the privacy of personal information and complying with the laws and regulations of Japan, including the Act on the Protection of Personal Information (APPI). This Privacy Policy explains how we collect, use, store, and disclose personal information about you in connection with our lending and related services.

We collect, use, and manage your personal information responsibly, ensuring that it is protected against unauthorised access, loss, misuse, or disclosure. We employ encryption, access controls, and continuous monitoring to protect all personal information.

2Main Purposes of Collecting and Using Personal Information

We collect, use, hold, and disclose personal information and credit-related information about you for purposes directly related to the operation of our lending business, including:

• Processing and assessing your loan application.
• Conducting identity verification and Know Your Customer (KYC) / Anti-Money Laundering (AML) checks.
• Managing, monitoring, and servicing approved loans.
• Performing credit assessments, risk management, and regulatory reporting.
• Communicating with you regarding your application, account, or other related matters.
• Complying with legal obligations under applicable Japanese laws and regulations.

We will not use your personal information for marketing or unrelated purposes without your explicit consent.

Personal information will be retained for the period required by applicable laws and internal policy (typically seven years for lending and KYC records).

3Disclosure of Personal Information

We may disclose personal information to the following parties for the purposes listed above:

• Credit reference bureaus (CIC, JICC, KSC) and financial institutions.
• Agents, professional advisers, introducers, and service providers assisting us in processing or managing credit.
• Government authorities, courts, regulators, or law enforcement agencies as required by law.
• Entities involved in funding, auditing, or insuring our loans.
• Other parties to whom you have provided consent for disclosure.

All recipients are required to protect the information we provide in accordance with applicable privacy and confidentiality obligations.

4Outsourcing Arrangements

We may engage third-party service providers to support our business operations, including IT systems, application processing, and data storage. All such service providers are contractually obligated to maintain confidentiality, security, and compliance with APPI. These arrangements are considered entrustment under Article 22 of the APPI and are not regarded as third-party provision.

5Management of Personal Information

We take reasonable steps to ensure that personal information is accurate, complete, and up to date. Access to personal information is restricted to authorized personnel on a need-to-know basis. We regularly review and update our information security framework to align with legal, regulatory, and technological developments.

6Cross-Border Provision of Personal Information

Your personal information may be stored or processed on secure servers located outside Japan by service providers under our supervision. These service providers are bound by Data Processing Agreements (DPAs) ensuring that personal information is protected at a level equivalent to Japan’s APPI standards.

We ensure that all entrusted processors implement robust data-protection measures, including encryption, breach-notification obligations, and internationally recognized security certifications. This cross-border data entrustment is managed in compliance with APPI Article 28.

7Retention of Personal Information

We will not retain your personal information longer than necessary for the purposes for which it was collected or as required by applicable laws and regulations. Upon expiry of the retention period, personal data will be securely deleted, anonymised, or destroyed.

8Data Access and Correction Requests

You may request access to, or correction of, your personal information held by YEN LOANS. To do so, please contact us using the details below. We will verify your identity before responding to your request and charge a 5,000 yen administrative fee.

Requests may be refused if disclosure would violate the rights of others, conflict with legal obligations, or impede ongoing investigations. Any refusal will be explained in writing.

9Contact Information

For all privacy-related inquiries, data-access or correction requests, or complaints, please contact:

YEN LOANS K.K.
Attn: Compliance Officer / Data Protection Officer
Phone: +81 (0)3-6230-5257
Email: compliance@yenloans.com
Address: ARK Mori Bldg. 31F, 1-12-32 Akasaka, Minato-ku, Tokyo, Japan 107-6031

10Updates to this Privacy Policy

We may revise this Privacy Policy from time to time to reflect changes in our operations, systems, or applicable regulations. The updated version will be posted on our website with the effective date clearly indicated.

YEN LOANS is committed to protecting your personal information and maintaining transparency in all aspects of data management and security.