Handling of Personal Information for Credit Card Services

1. Purposes for collecting personal information

  1. DOCOMO collects and manages the personal information listed in section (2) below when providing comprehensive credit purchase brokerage and other services providing credit in exchange for products and services, services related to cash loans, and other related services, including provided services called iD (hereinafter collectively referred to as "Credit Related Services"), only as required to achieve the following purposes. Only lawful and fair means are used to collect personal information.
    Table of the purposes for collecting personal information
    Purposes for collecting personal information Personal information used
    ①To evaluate credit, manage credit information, and conduct other activities for the provision of Credit Related Services. Personal information listed in ① to ⑪ of section (2) below.
    ②To verify the user's identity and family relationship at the time of application as well as whenever Credit Related Services are provided. Personal information listed in ①, ②, ④, ⑤ and ⑦ to ⑪ of section (2) below.
    ③To provide Credit Related Services, provide the user with information on products and services including services other than Credit Related Services and information on services provided by business partners and participating stores with which the d CARD service can be used, display and distribute advertisements, conduct various surveys and ship rewards, etc., implement promotional campaigns and other sales promotion programs, select winners and ship free gifts for promotional campaigns and events, etc., and provide other notices. Personal information listed in ①, ②, ④ and ⑦ to ⑪ of section (2) below.
    ④To conduct surveys and analysis of sales and usage, surveys and analysis of business policies and measure their effectiveness, planning, development, surveys, and analysis of new products and services (including services other than Credit Related Services), surveys and analysis to improve service quality and customer services, and various other surveys and analysis. Personal information listed in ①, ②, ④ and ⑦ to ⑪ of section (2) below.
    ⑤To provide customer service in response to inquiries, requests, and opinions received from users. Personal information listed in ①, ②, ④, ⑤ and ⑦ to ⑪ of section (2) below.
    ⑥To prevent unauthorized or fraudulent subscriptions, unauthorized or fraudulent usage, and non-payment of charges; as well as to investigate and respond to the occurrence of such problems. Personal information listed in ① to ⑨ and ⑪ of section (2) below.
    ⑦To process credit obligations and other rights or collateral related to subscribers acquired through the provision of Credit Related Services. Personal information listed in ① to ⑨ and ⑪ of section (2) below.
    ⑧To investigate and respond to system outages and other malfunctions. Personal information listed in ① to ④, ⑥ to ⑨ and ⑪ of section (2) below.
    Please note that personal information may still be used within the above mentioned purposes, even if the subscription for Credit Related Services between DOCOMO and the user has been terminated.
    DOCOMO also may handle the personal information obtained when, for example, providing Credit Related Services within the scope of the purpose of use of personal information published for other business areas.
  2. DOCOMO uses the following personal information (including personal information obtained from a third party and obtained in other business areas) for the purpose listed in section (1) above.
    1. Name, address, date of birth, and other information
      Name, address, date of birth, age, gender, telephone number, e-mail address, occupation, place of work, purpose of transaction, family composition, housing status, financial institution account number, account name, etc.
    2. Details of application and usage status etc.
      • Regarding the application status for Credit Related Services: date of application, date of subscription, record of accepted applications, etc.
      • Regarding usage status (date of usage, store where the service is used, amount used, number of payments, etc.) and contract details for Credit Related Services
    3. Credit information
      Credit information regarding the user's ability to pay: annual income of the user or the household (declared by the user), assets, liabilities, income, expenses, past loan repayment status (including payment status in terms of usage charges for telecommunications services), payment and loan repayment status in terms of Credit Related Services, etc.
    4. Accompanying details acquired through the provision of services, etc.
      Content of inquiries, requests, and opinions; and other accompanying details acquired through the provision of Credit Related Services such as information acquired via iD i-appli.
    5. Information on official identification documents and other information that verifies the user's identity
      Information on driver's licenses, passports, and other legal identification documents, as well as information related to procedures such as those to verify a person's identity
    6. Public information
      Open information in government gazettes, telephone directories, etc.
    7. Details of usage charges etc. for telecommunications service
      Amounts billed, method of payment, and other details of usage charges for telecommunications service
    8. Information on details of telecommunications service
      Information related to telecommunications service, information related to optional services, information related to members-only services, and information related to various services provided by using the functions of telecommunications devices
      • The above information includes information on the usage and purchase of various services and products.
    9. Information related to the telecommunications device etc. used
      Model name, serial number, and other information related to the telecommunications device (Includes identifiers such as cookie ID, advertising ID (AdID), and Advertising Identifier (IDFA), but they are not the only information.)
    10. Details of evaluation
      Information as a result of DOCOMO's analysis, based on the user's usage status of Credit Related Services and other information acquired by DOCOMO through the provision of service (including the payment status of the usage and other fees for telecommunications services)
    11. Other information obtained from a third party
  3. Personal information used to carry out business entrusted to DOCOMO from other carriers will be used as necessary to complete the relevant business.
  4. If DOCOMO recognizes that any of the following cases apply, personal information may be used for purposes other than those noted above, while giving the utmost consideration to the rights and interests of the user.
    1. If laws or regulations apply;
    2. If it is necessary for the protection of a person's life, body, or assets, and receiving consent from the user is difficult;
    3. If it is especially necessary for the improvement of public health or promotion of the sound growth of children, and receiving consent from the user is difficult; or
    4. If cooperation is required to conduct duties stipulated in laws and regulations of government institutions/local authorities or parties entrusted by them, and there is concern that receiving consent from the user may interfere with the conduct of those duties.

2. Registering and using information to/from personal credit information agencies

  1. Credit Service Members agree to DOCOMO referring to a group of credit information agencies of which DOCOMO is a member (entities that collect information regarding an individual credit user's ability to pay and provide relevant information to its members) as shown below in the section entitled "Name, Address, and Phone Number of Member Credit information Agencies" (hereinafter referred to as Member Credit Information Agencies) and credit information agencies partnering with Member Credit Information Agencies as shown below in the section entitled "Name, Address, and Phone Number of Partner Credit information Agencies" (hereinafter referred to as Partner Credit Information Agencies) for personal information (including the history of that information) of Credit Service Members (including users who wish to become Credit Service Members; hereinafter referred to in the same way) shown in the "Personal Information" column of the table below entitled "Personal Information and Term of Use", and using that information, if such personal information of Credit Service Members and their spouses is available, only for the purpose of evaluating the Credit Service Member's ability to pay or repay.
  2. Credit Service Members agree to information specified by Member Credit Information Agencies (information, including the history of that information, shown in the "Personal Information" column of the table below entitled "Personal Information and Term of Use") being recorded for the lengths of time indicated in the "Term of Use" column of the table below entitled "Personal Information and Term of Use", and to the recorded information being used by members of Member Credit Information Agencies and Partner Credit Information Agencies for the purpose of evaluating the Credit Service Member's ability to pay or repay.
  3. Member credit information agencies, partner credit information agencies, and their members share and utilize as necessary the information kept in their respective credit information databases as described in section (2) above to maintain accuracy and recency, process complaints, and enable member credit information agencies to monitor their members to make sure that they comply with the rules, thereby ensuring the confidentiality and proper use of personal information.

    Personal information to be registered and term of use
    Personal information Term of use
    CREDIT INFORMATION CENTER CORP. Japan Credit Information Reference Center Corp.
    ①Name, date of birth, gender, address, telephone number, place of employment, employment phone number, and symbols and numbers on driver's license, etc. and other information for verifying the identity For as long as any items from ② - ④ in Personal Information are maintained in the database For as long as any items from ② - ⑤ in Personal Information are maintained in the database
    ②The fact that the user made an application regarding this contract For six months from the date of inquiry to a personal credit information agency by DOCOMO Up to six months from the date of inquiry to a personal credit information agency by DOCOMO
    ③Objective transaction circumstances surrounding this contract For as long as the user's Credit Related Services contract is valid and up to five years after the contract is terminated or the final payment is made if the payment is not complete For as long as the user's Credit Related Services contract is valid and up to five years after the contract is terminated or the final payment is made if the payment is not complete
    ④The fact that a credit payment was not made on time For as long as the user's Credit Related Services contract is valid and for five years after the contract is terminated or the final payment is made if the payment is not complete For as long as the user's Credit Related Services contract is valid and up to five years after the contract is terminated or the final payment is made if the payment is not complete
    ⑤Information regarding the fact of assignment of an obligation Not compatible Up to one year from the date of assignment
    • The above information we register with personal credit information agencies of which DOCOMO is a member is as follows.
    Information we register with personal credit information agencies of which DOCOMO is a member
    Personal credit information agencies Information to be registered
    CREDIT INFORMATION CENTER CORP. Name, date of birth, address, telephone number, place of employment, employment phone number, and symbols and numbers on driver's license, etc. and other information for verifying the identity, etc.
    Type of contract, date of contract, amount of contract, amount of loan, product name and quantity/number of times/period, number of installments and other information regarding contract details, etc.
    Credit balance, balance of installments, annual billing schedule amount, payment date, date of final payment, payment delinquency and other information on payment status, etc.
    Japan Credit Information Reference Center Corp. Information for verifying the identity (name, date of birth, gender, address, telephone number, place of employment, employment phone number, symbols and numbers on driver's license, etc.), information for application (date of application, product category of application, etc.), information regarding contract details (type of contract, date of contract, date of loan, amount of contract, amount of loan ,insured amount, product name and quantity, number of installments, etc.), information of loan payment status (actual payment date, expected payment date, balance amount, annual billing schedule amount, date of final payment, payment delinquency, settlement of late payment, etc.), as well as information regarding transaction facts (debt collection, debt adjustment, guarantee execution, compulsory cancellation, filing for bankruptcy, transfer of receivables, etc.).

    Name, Address, and Phone Number of Member Credit Information Agencies

    • Name : CREDIT INFORMATION CENTER CORP.
      (Designated credit information agency based on the Money Lending Business Act and Installment Sales Act)
      Address: Shinjuku First West Bldg. 15th Fl., 1-23-7, Nishi-Shinjuku, Shinjuku-ku, Tokyo 160-8375
      Phone Number:0120-810-414 (toll free, in Japanese only)
      • Cannot be called from mobile phones, PHSs, or IP phones.
      Homepage address : New windowhttps://www.cic.co.jp/en/
      • For details such as affiliation qualifications and affiliated companies of CREDIT INFORMATION CENTER CORP., see the company's website noted above.
    • Name : Japan Credit Information Reference Center Corp.
      (Designated credit information agency based on the Money Lending Business Act)
      Address: Sumitomofudosan Ueno Bldg. No.5, 1-10-14 Kitaueno, Taito-ku, Tokyo 110-0014
      Phone Number : 0570-055-955 (charges apply, in Japanese only)
      • May not be accessible from some IP phones.
      Homepage address : New windowhttps://www.jicc.co.jp/english/
      • For details such as affiliation qualifications and affiliated companies of Japan Credit Information Reference Center CORP., see the company's website noted above.
      • When newly joining a personal credit information agency during the contract period, separate notification will be given and the consent of member will be obtained.

    Name, Address, and Phone Number of Partner Credit Information Agencies

    Personal credit information agencies partnering with personal credit information agencies of which DOCOMO is a member are as follows.

    • Name : Japanese Bankers Association Personal Credit Information Center
      Address: 1-3-1 Marunouchi, Chiyoda-ku, Tokyo 100-8216
      Phone Number:03-3214-5020 (charges apply, in Japanese only)
      Homepage address : New windowhttps://www.zenginkyo.or.jp/en/pcic/
      • For details such as affiliation qualifications and affiliated companies of Japanese Bankers Association Personal Credit Information Center, see the company's website noted above.
      • The three agencies of CREDIT INFORMATION CENTER CORP., Japan Credit Information Reference Center Corp., and Japanese Bankers Association Personal Credit Information Center have mutual alliance.

3. Other provision of personal information to third parties

  1. If DOCOMO recognizes that any of the following cases apply, personal information may be provided to third parties while giving the utmost consideration to the rights and interests of the user.
    1. If the user grants permission;
    2. If laws or regulations apply;
    3. If it is necessary for the protection of a person's life, body, or assets, and receiving consent from the user is difficult;
    4. If it is especially necessary for the improvement of public health or promotion of the sound growth of children, and receiving consent from the user is difficult; or
    5. If cooperation is required to conduct duties stipulated in laws and regulations of government institutions/local authorities or parties entrusted by them, and there is concern that receiving consent from the user may interfere with the conduct of those duties.
  2. Regarding Credit Related Services, DOCOMO entrusts credit evaluation, credit management, and some other related operations to service vendors, and provides the personal information listed in items ① - ⑩ of section 1(2) above to those vendors as necessary to achieve the objectives of those services.
  3. Use of DOCOMO Credit Related Services and Credit Related Services (limited to those that use the handset IC card used by DOCOMO's Credit Related Services) of other Credit Related Service providers by the user enables access to the following information by the following third parties via the IC card in the user's handset.
    1. Third parties that have access to information:
      Participating stores displaying the iD mark (hereinafter referred to as "iD Participating Stores") where the Credit Related Service was used.
      Information regarding iD Participating Stores is available at the DOCOMO website.
    2. Type of information
      Information regarding the credit service user's card number and date of birth
    3. Why this information is made available
      In order to survey and analyze sales and usage of Credit Related Services.
  4. In cases where the name of the telecommunications service subscriber differs from the name of the user applying for Credit Related Services, DOCOMO may provide the subscriber with the user's name, address, application and usage status of Credit Related Services, and other pertinent information so that the subscriber may review the terms of the Credit Related Services contract or point service, various complimentary services, other supplementary services, and other various services for users (hereinafter referred to as "Supplementary Services") in Credit Related Services.
  5. DOCOMO may provide the following information when requested by the following third parties for the purpose of providing the Credit Related Services of insurance services provided by insurance companies and various compensation services provided by DOCOMO (hereinafter referred to as "Insurance Services").
    1. Third parties who are provided with information
      Insurance companies listed on the DOCOMO website.
    2. Type of information
      Personal information listed in ①, ②, and ④ of section 1(2).
    3. Why this information is made available
      In order to assess and confirm the application and usage status of users.
  6. DOCOMO may provide the following information when requested by the following third parties for the purpose of providing Supplementary Services.
    1. Third parties who are provided with information
      DOCOMO business partners involved in Supplementary Services (including business partners and parties in partnership relationships).
    2. Type of information
      Personal information listed in ①, ②, and ④ of section 1(2).
    3. Why this information is made available
      In order to assess and confirm the application and usage status of users who are subject to Supplementary Services.
  7. In order for a Credit Service Member to access and confirm the Credit Related Services usage of a Family Member, DOCOMO may provide personal information of the Family Member listed in ①, ②, and ④ of section 1 (2) to the Credit Service Member.
  8. For users using the ETC card, if it is necessary for the ETC System Providers listed below to bill the Credit Service Member directly for charges for usage of the ETC card, DOCOMO will provide the name, address, phone number, mail address, and other pertinent information from the personal information of the user listed in ① of section 1 (2) to the ETC System Providers below.
    ETC System Providers:
    East Nippon Expressway Company Limited, Central Nippon Expressway Company Limited, West Nippon Expressway Company Limited, Metropolitan Expressway Company Limited, Hanshin Expressway Company Limited, Honshu-Shikoku Bridge Expressway Company Limited, regional public highway corporations, and road administrators of prefectures, cities, towns and villages designated by DOCOMO.

4. Disclosure and amendments of personal information etc.

  1. DOCOMO addresses inquiries regarding the subscription status for Credit Related Services, and requests to check past credit transactions and other details at Customer Support. When an inquiry or request is received, DOCOMO will act to verify that the personal information is that of the user.
  2. If a user requests disclosure of their personal information, DOCOMO will do so without delay. Procedures for disclosure are laid out below. Inquiries regarding procedures are accepted at Customer Support.
    1. Applying (must be sent by post)
      Once all items indicated on the "Application for Disclosure of Personal Information for Credit Card Services" (hereinafter referred to in this section as "Application Form") are filled out, the Application Form should be sent to the address below together with documents verifying the user's identity. The Application Form is available from the DOCOMO Information Center, or it can be downloaded from the website.
      Address:
      Personal Information Disclosure Application Postal Center
      NTT DOCOMO, Inc.
      Urbannet Ikebukuro Building, 9F
      3-16-3 Higashi-ikebukuro, Toshima-ku, Tokyo 170-0013
      (Subcontractor: DOCOMO CS, Inc.)
    2. Verifying the identity of the user
      Please enclose documents designated by DOCOMO for verifying the identity of the user in the envelope.
    3. Verification results
      Results will be sent by Simplified Registered Mail directly to the user (user's residence address or address for sending itemized statement of usage charges, etc.).
    4. Handling charges for disclosure (in Japan)
      Handling charges currently do not apply. (Any changes will be notified beforehand.)

      Furthermore, please note that if DOCOMO recognizes that any of the following cases apply, requested personal information may not be fully or partially disclosed. If DOCOMO decides not to disclose the personal information, the user will be notified of the reason in writing. (In that case, payment of handling charges will not be required.)

      • If the address on the Application Form and documents verifying the user's identity differ from the address recorded at DOCOMO, or for some other reason that prevents verification of the user's identity
      • If the specified application documents are incomplete
      • If DOCOMO is not in possession of the requested personal information
      • If there is a risk that disclosure will harm the life, body, assets, or other rights and interests of the user or a third party
      • If there is a possibility that disclosure will cause significant interference with the proper conduct of DOCOMO business
      • If it violates some other law or regulation
  3. If a user requests amendments (amendment, addition, deletion, suspension of usage, or suspension of provision to third parties) to personal information, DOCOMO will investigate without delay. If, as a result, the relevant personal information is found to be inaccurate or it is found that the information has not been managed correctly, DOCOMO will make amendments without delay. (Requests for amendments are received at Customer Support.)
    Please note that even if there is a request for amendments, according to laws and regulations, DOCOMO may not fully or partially amend the requested personal information.
  4. DOCOMO will address requests to notify the purpose for which personal information is collected, at Customer Support.

5. Opting out of direct mailing services

Users who prefer not to receive direct mail and other advertising services may choose to opt out by applying to DOCOMO. Please be aware, however, that all customers will continue to receive notices to renew their card numbers and other announcements necessary to the operation of Credit Related Services together with their monthly statement.
To opt out of direct mailing services, please contact DOCOMO as listed below.

Table of Opting out of direct mailing services
  Contact Hours
d CARD mini users* DOCOMO Information Center From DOCOMO mobile phones
151 (toll free, in Japanese only)
From landline phones
0120-800-000 (in Japanese only)
9 a.m. to 8 p.m.
(open all year round)
0120-005-250 (Service available in English, Portuguese, Chinese, and Spanish.) 9 a.m. to 8 p.m.
(open all year round)
d CARD users d CARD Center 0120-300-360 (in Japanese only) 10 a.m. to 8 p.m.
  • However, some matters cannot be dealt with between 6 p.m. and 8 p.m.
d CARD GOLD users d CARD GOLD Desk 0120-700-360 (in Japanese only)
  • d CARD mini users may also apply at a docomo Shop.

6. Customer Consultation Center for handling personal information

If you have any thoughts or comments regarding the way DOCOMO manages personal information in Japan, please call the Customer Consulting Office listed below.

Customer Consulting Office, NTT DOCOMO, INC.

0570-073-030 (charges apply, in Japanese only)

10 a.m. to 6 p.m. Monday through Friday (Japan Standard Time; closed Holidays & New Year's Holidays)

7. Qualified personal information protection organization

DOCOMO is a member of the JAPAN CONSUMER CREDIT ASSOCIATION, an authorized organization to protect personal information. Any thoughts or comments regarding the way DOCOMO manages personal information can be sent to the contact below.

New windowJAPAN CONSUMER CREDIT ASSOCIATION (in Japanese only)

Consultation tel: 03-5645-3360 (charges apply)


PDFApplication for Disclosure of Personal Information for Credit Card Services [PDF format: 383KB] (in Japanese only)


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