Our company has been certified with the "Privacy Mark," which is given to private businesses that handle personal information appropriately.
Ark Mori Building 31F, 1-12-32 Akasaka, Minato-ku, Tokyo
Capital Servicing Co., Ltd.
Representative Director Daniel Shireman
Establishment date: December 3, 2014
Last revised date: September 29, 2026
Privacy Policy
As a debt management and collection company,our company strives to protect personal information and thoroughly complieswith the "Act on the Protection of Personal Information" (hereinafterreferred to as the "Personal Information Protection Act") and relatedlaws and regulations. In order to thoroughly implement the above as ourcorporate philosophy, we will do our best to protect personal information inaccordance with the following policy.
1. Our company acquires, uses, and providespersonal information appropriately considering the content and scale of thebusiness, and does not handle personal information beyond the scope necessaryto achieve the specified purpose of use. We will also take measures for thispurpose.
2. Our company complies with laws andregulations, guidelines established by the government, and other normsregarding the handling of personal information.
3. Our company will take reasonable safetymeasures to prevent risks such as leakage, loss, and damage of personalinformation, and will build and continually improve the rules and systems.Additionally, in the event of an emergency, we will promptly take correctivemeasures.
4. Our company will promptly and honestly respond to complaints and consultations regarding the handling of personal information.
5. We will review our personal information protection management system in a timely and appropriate manner and continually strive to improve it, taking into account changes in the environment surrounding our company and the actual situation.
*For inquiries and consultations regarding the personal information protection policy and personal information, please contact the following contact point.
Handling of Personal Information
1. Appropriate Acquisition of Personal Information
The Company shall clearly specify the purposes of use ofpersonal information and acquire personal information by appropriate and fairmeans, only to the extent necessary to achieve those purposes.
2. Purposes of Use of Personal Information
The personal information acquired by the Company shall be usedfor the purposes set out below, and the Company will not handle such personalinformation beyond the scope of those purposes without the consent of theindividual concerned. In using personal information, the Company will not makeany improper use of it.
(1) Personal Information of Customers
This information will be used to perform the businessactivities listed below and to make necessary communications, among otherpurposes.
Management and collection of specified monetary claims
Purchase of monetary claims other than specified monetaryclaims (non-specified monetary claims)
Administrative services performed on behalf of companiespurchasing claims and other entities
Collection agency services
Succession to the status of policyholder under group creditlife insurance contracts (including the collection of group credit lifeinsurance premiums following such succession) and preparation of group creditlife insurance reports
Asset liquidation and securitization-related services(services related to specified bonds)
Servicer reporting services
General affairs, human resources, accounting, IT support, andinternal audit operations
Servicer consulting services
Purchase and sale of specified monetary claims and brokerageof purchases and sales of specified monetary claims
Due diligence services and administrative services relating toclaim assignment procedures
Money lending business (intermediation of loans)
Administrative services relating to lending operations
Arrangement services relating to asset liquidation andsecuritization
(2) Personal Information of Persons Who Make Inquiries orRequest Materials
Personal information of persons who make inquiries regardingany of the Company’s businesses will be used to respond tothose inquiries.
(3) Personal Information of JobApplicants
This information will be used for recruitment screening andrelated communications.
(4) Information Concerning theCompany’s Employees
This information will be used for human resources and labormanagement, business management, employee benefits, health management, securitymanagement, and related purposes.
(5) Individual Number Information Provided to the Company
This information will be used for procedures specified by law,including social insurance procedures and tax processing.
Notice regarding retained Personal Data and Records of Provision to Third Parties
With respect to requests and other applications fordisclosure, etc. concerning personal data retained by the Company (*)—including requests for notification of the purposes of use ofretained personal data; requests for disclosure, correction, etc., suspensionof use, etc., or suspension of provision to third parties of retained personaldata; and requests for disclosure of records of provision to third parties—the Company hereby provides notice of the following matters.
(*) “Retainedpersonal data” means personal data with respect to whichthe Company has the authority to disclose; correct, add, or delete content;suspend use; erase; and suspend provision to third parties, excluding dataprescribed by Cabinet Order as data whose existence, if disclosed, could harmthe public interest or other interests. Personal data handled by the Company inconnection with outsourced services does not constitute retained personal dataof the Company.
1. Company Name and Address, Name of Representative / PersonalInformation Protection Manager
Company Name: Capital Servicing Co., Ltd.
Address: 31st Floor, ARK Mori Building, 1-12-32 Akasaka,Minato-ku, Tokyo
Representative: Daniel Shireman
Manager: Senior Legal & Compliance Officer
Contact: privacysupport@capserv.com
2. Purposes of Use of Retained Personal Data
(1) This information will be used to perform the businessactivities listed below and to make necessary communications, among otherpurposes.
Management and collection of specified monetary claimsacquired by the Company
Purchase of monetary claims other than specified monetaryclaims (non-specified monetary claims)
Succession to the status of policyholder under group creditlife insurance contracts (including the collection of group credit lifeinsurance premiums following such succession)
General affairs, human resources, accounting, IT support, andinternal audit operations
Purchase and sale of specified monetary claims and brokerageof purchases and sales of specified monetary claims
Money lending business (intermediation of loans)
(2) Personal Information of Persons Who Make Inquiries orRequest Materials
Personal information of persons who make inquiries regardingany of the Company’s businesses will be used to respond tothose inquiries.
(3) Personal Information of JobApplicants
This information will be used for recruitment screening andrelated communications.
(4) Information Concerning theCompany’s Employees
This information will be used for human resources and labormanagement, business management, employee benefits, health management, securitymanagement, and related purposes.
(5) Individual Number Information Provided to the Company
This information will be used for procedures specified by law,including social insurance procedures and tax processing.
3. Ensuring the Security and Accuracy of Personal Data
To ensure the security and accuracy of personal data, theCompany implements the following measures as security control measures. Fordetails, please contact the Personal Information Consultation Desk.
To ensure the appropriate handling of retained personal data,the Company has established policies concerning compliance with applicablelaws, regulations, guidelines, and other requirements, as well as responses toquestions and comments.
The Company has established Personal Information ManagementRules that prescribe handling methods, responsible managers, personnel incharge, and their duties at each stage of acquiring, using, storing, providing,deleting, and disposing of personal information. The Company has alsoestablished various handling rules governing the management of contractors andresponses to data leakage incidents and similar events.
As organizational security control measures, the Companyappoints a Personal Information Protection Manager responsible for personalinformation protection and also appoints a departmental manager in eachdepartment, thereby clarifying roles and responsibilities. The Company hasestablished a reporting and communication framework under which facts orindications of violations of laws or internal rules are reported to theresponsible manager. The Company maintains ledgers to understand the status ofpersonal data handling and periodically conducts operational management reviewsand internal audits.
As personnel security control measures, the Companyperiodically provides employees with internal training that includes pointsrequiring attention in the handling of personal data, and ensures thoroughawareness, education, and training concerning security controls and relatedmatters. In addition, the Company enters into nondisclosure agreementsconcerning personal data with employees, clarifies employees’roles and responsibilities, and verifies their compliance with personal datamanagement procedures.
As physical security control measures, the Company controlsentry to and exit from areas where personal data is handled and implementsmeasures to prevent unauthorized persons from viewing personal data. TheCompany manages devices, electronic media, documents, and other items used tohandle personal data by means such as locking and password protection, andimplements measures to prevent theft, loss, and similar incidents. When suchdevices or other items are carried outside the relevant area, the Company alsotakes measures to ensure that personal data cannot be readily identified.
As technical security control measures, after identifying andauthenticating users of personal data, the Company restricts and manages theiraccess privileges and takes measures such as limiting the users and the scopeof personal information databases and other resources they may handle. TheCompany also records and analyzes access to personal data and the operatingstatus of information systems that handle such data, and monitors and auditsthose systems, thereby taking measures to prevent leakage, damage, and similarharm involving personal data.
With respect to understanding the external environment, wherepersonal data is stored in a foreign country, the Company will implementsecurity control measures after ascertaining the laws concerning the protectionof personal information and other applicable laws and regulations in thatcountry.
4. Supervision of Employees
The Company provides education and training so that itsofficers and employees understand the importance of protecting personalinformation and ensure the secure management of personal information.
5. Supervision of Contractors
When outsourcing the handling of personal information, theCompany selects contractors capable of complying with the Company’sPersonal Information Protection Policy and exercises sufficient management andsupervision over their handling of such information. Where a contractor furthersubcontracts the work, the Company also supervises whether the contractor isexercising necessary and appropriate supervision over the subcontractor.
6. Requests for Disclosure, Etc. of Retained Personal Data
The Company will respond without delay when the individualconcerned makes a request for: (1) notification of the purposes of use ofretained personal data; (2) disclosure of retained personal data; (3)correction, addition, or deletion of the content of retained personal data; (4)suspension of use or erasure of retained personal data; (5) suspension ofprovision of retained personal data to third parties; or (6) disclosure ofrecords of provision to third parties (items (1) through (6) are collectivelyreferred to as “Requests for Disclosure, Etc.”). In accordance with applicable laws and regulations, andafter verifying the identity of the requester in accordance with the Company’s rules, the Company will respond to a Request for Disclosure,Etc. within a reasonable period by sending the response in writing, on a CD-R(or DVD-R), or as an attachment to an email. If the request is made by anagent, proof that the person is an agent as prescribed by Cabinet Order must beprovided, and, in the case of disclosure or similar requests, formaldocumentation substantiating the agent’s authority mustalso be submitted. A disclosure fee of JPY 3,000 per request, exclusive ofconsumption tax, will apply only to requests under items (2) and (6) above. Fordetails, please contact the Personal Information Consultation Desk.
7. Implementation of the Internal Control Program
The Company establishes an internal control program to achievethe protection and appropriate management of personal information, thoroughlyimplements education, training, and supervision, and promotes awareness of andcompliance with the program among employees. The Company periodically revisesthe program in response to changes in the social environment, amendments tolaws, and other developments.
8. Accredited Personal Information Protection Organization ofWhich the Company Is a Member
The Company is not a member of any accredited personalinformation protection organization.
For inquiries or consultations regarding the handling ofpersonal information, please contact the following:
Personal Information Consultation Desk
TEL: 03-6230-5542
Telephone Reception Hours: Monday to Friday, 9:30 a.m. to 5:00p.m.
(excluding public holidays and the year-end/New Year holidayperiod)
FAX: 03-6230-5220
E-mail: privacysupport@capserv.com
Mailing Address:
ARK Mori Building, 31st Floor, 1-12-32 Akasaka, Minato-ku,Tokyo 107-6031, Japan
Capital Servicing Co., Ltd.
Personal Information Consultation Desk