Standard Chartered Bank Tokyo Branch
1. Services Provided
- Savings (deposits), remittances, money exchange, loans, foreign exchange transaction, derivatives, and related business services.
- Other services and related operations that can be performed by banks (including any additional services that may be permitted as a result of future changes in the regulatory environments).
2. Purposes of Acquiring Information
We acquire “personal information” of customers to process transactions in a secure and sound manner, and to provide our customers with appropriate financial products and services. Personal information shall be used for the following purposes:
- To process applications for account opening, transactions of financial products and services.
- To verify customer identity in accordance with the Act on Prevention of Transfer of Criminal Proceeds, the Foreign Exchange and Foreign Trade Control Act and other Laws and Regulations.
- To confirm a customer’s qualifications to purchase financial products and/or use provided services.
- In order to verify the authority of a person acting as a representative or agent of a corporation, if the customer is a legal entity.
- To manage due dates for deposit and/or loan transactions, and to manage ongoing transactions.
- To make decisions regarding new or ongoing loan transactions.
- To make decisions based on the principle of suitability, and to judge the appropriateness of providing financial products or services.
- To provide customer information, required to process credit-extending business in an appropriate manner, to a qualified third parties such as Designated Credit Information Organisations to the extent necessary for the adequate operation of its business.
- To exercise rights or to fulfil obligations under applicable Laws and Regulations or arising from contractual relationships with the customer.
- To manage control over cancellations or terminated transactions and services.
- For market research, data analysis and surveys related to the research and development of financial products and service.
- To provide customers proposals regarding various types of financial products and services by direct mail (DM) or by other means.
- To provide customers with information regarding products and services provided by partner company(s).
- When entrusted by another business entity with processing of all or part of a database of personal information, as necessary to carry out consigned services in an appropriate manner.
- Other uses to secure smooth and appropriate execution of transactions with customers.
When personal information is obtained from the customer in writing at the execution of a deposit, remittance or other transactions, the customer will be, at that time, informed of the purposes for which the information may be used.
As to credit-extending transactions, the customer will be informed of and will be requested to consent to the purposes to which personal information may be used.
Personal information shall be used as stated above and shall only be used within the limits of carrying out business requirements. Such information shall not be used for a purpose other than the aforementioned purposes.
As per article 13-6-7 of the Enforcement Ordinance of the Banking Act, we shall not use or provide to a third party non-disclosed information e.g., race, beliefs, lineage or domicile of origin, health care or criminal records for any purposes except appropriate business operation or other necessities.
3. Types of Information to be Acquired and Acquiring Channels
The typical information to be acquired from a customer which is described in Chapter 2 above. Purpose of Acquiring Information will be the name, address, date of birth, place of work, and telephone number for the purpose of prevention of money laundering under the Act on Prevention of Transfer of Criminal Proceeds and other laws requiring customer due diligence. There may be cases where additional information is necessary at the commencement of business dealings. We would not collect or store any Specific Personal Information, in principle, except for those set forth in the applicable Laws and Regulations.
We shall not acquire “Sensitive Information” which is defined by the “Guideline on Personal Information Protection in Financial Sector” which include Special Care Required Personal Information (e.g race, beliefs, social status, medical history, fact such as being a victim of a crime etc ) which is defined by the article of 2-3 of the Act except for the cases permitted by Laws and Regulations.
In cases where we acquire sensitive information that is co-mingled with other information for the purpose of customer identification, the area of sensitive information shall be blacked out before it is archived.
Methods of Acquisition
We acquire the personal information of customers who request information over the phone or through our website, and customers who visit our branch and fill out account opening forms, etc. There may be cases, where we send Direct Mail (DM) for the purpose of introducing our services by using publicly available personal information acquired from appropriate data marketing companies. In such cases, the sources from which the information was acquired and the contact information for customers who wish to have their personal information deleted are stated clearly on our cover letter.
4. Usage and Provision of Information
Usage and Provision to a Third Party
We shall not use customers’ information beyond the above-mentioned “purposes” nor provide to external parties except in the following cases:
- Where the customer has given his or her prior consent.
- Where it is judged as necessary under Laws and Regulations.
- Where it is considered as necessary to protect human lives, human bodies, or property and it is difficult to acquire the data subject’s consent.
- Where it is required to cooperate with a government organization, local authority, etc. so that it can accomplish the duties set down by Laws and Regulations and it is possible that acquiring customers’ consent may obstruct the accomplishment of those duties.
- Where the personal information is to be entrusted with a third party for the purpose of outsourcing operations.
- Where it is allowed other Laws and Regulations.
We have outsourced a portion of our business processing for transactions, e.g. sending statements and DM, domestic remittances, etc. to external vendors. On such occasions, in order to select outsourcing vendors, we shall conduct due diligence on the security control measures according to our prescribed assessment criteria. In addition, we shall take necessary measures to ensure that outsourced operations are carried out properly. We will supervise outsourcing vendors, including those vendors that use subcontractors for more than 2 phases. Except for the cases where we obtained the consent from the identical person and where it is allowed other Laws and Regulations, we will not share personal information of the customer with third parties outside Japan.
Personal data is jointly shared within compliance of Laws and Regulations as follows:
① Scope of information to be joint use
Joint use of name, address, date of birth, phone number, place of work (membership of an organization), title, business address, fax number, e-mail address and other related matters
② Scope of joint users Companies which belong to Standard Chartered Group whose ultimate holding company is Standard Chartered PLC.
③ Purposes of joint use To provide our total services To manage risks relating to business management and internal control, etc. by SCB Group
④ Name of responsible person in charge of managing personal data
Standard Chartered Bank, Tokyo Branch
As a member bank of the clearinghouse, personal data is jointly shared with other member banks. For detailed information shared among clearinghouse members, please refer to the attached “Public Notice on the Joint Use of Dishonored Bills”. (Japanese only) Please refer to website of Japan Bankers Association regarding the list of member banks with whom the information is jointly used. http://www.zenginkyo.or.jp/abstract/koukan/index0600.html
Also, personal data is jointly used by the Personal Credit Information Center of which we are a member.
Direct Mail (DM)
The Bank will immediately cease using personal information for DM, telemarketing or other marketing activities upon receiving a termination request from the customer.
5. Information Management Method
We make it a rule to take appropriate measures to keep our customer information accurate. In addition, to prevent the loss, destruction, falsification, and leakage, etc. of the personal information of customers, we have taken appropriate information security measures such as implementing rules on information security control and measures against unauthorized access and computer virus, etc.
In addition, we ensure that any company handling the personal data of our customers, etc. on outsourcing from us, shall enforce rigorous information security management standards.
We will make every effort to ensure personal information is maintained accurately and kept up-to-date in accordance with the purposes set out in this Policy. Customers are asked to inform us in writing of any changes in registered information. Regarding personal information of our customers which are no more in use, we will also take responsibility for abolishing them in an appropriate manner.
6. Request for Disclosure, Correction, or Suspension of using Information by the Customer.
When a customer requests disclosure of his/her personal information held by us, we shall provide the requested information once the identity of the customer has been verified and unless there is any particular reason for not accepting such a request. If we find that the information kept by us is incorrect, we shall correct such information.
In the case where a customer informs us or we find out that customer information has been used for a purpose other than the aforementioned or has been acquired by illegal measures, we shall suspend the use of such information.
Please take the following steps to make a request for disclosure of personal data held by us.
*Request Submission to:
Standard Chartered Bank, Tokyo Branch
Inquiry Desk Sanno Park Tower 21F
2-11-1 Nagata-cho, Chiyoda-ku, Tokyo 100-6155
Request shall only be accepted in writing.
Please fill out and send the appropriate application form with a customer identification documents to the above address.
*Submission of Request
The following documents are requested to be provided by the customer.
a. Personal Information Disclosure Application Form (when the request for disclosure is based on Article 25 of the Act).
b. Documents verifying the customer’s identity (a copy of driver’s license, passport, etc.).
c. When the request for disclosure is made by a person acting as the customer’s representative, additional documentation verifying the legal authority of that person to represent the customer and identification documents of the legal representative are required.
When a disclosure request based on Article 25 of the Act is received, a specified amount of fee, JPY3,300 tax inclusive per case will be deducted from the customer’s account, etc.
*Method of Providing Response
In principle, we will promptly respond to the customer request in a written document by post to the customer’s registered address. Even if the request is received from the customer’s legal agent, our response may be mailed directly to the customer.
*Denial of Disclosure Request
We shall deny any request by a customer for disclosure of personal information in the following cases. When the determination has been made to deny the request for disclosure, the customer shall be informed to that effect. The specific amount of fees, however, will still be charged to the customer.
- When the customer’s identity cannot be verified.
- When the identity or authority of the person making the disclosure request as the customer’s legal agent cannot be verified.
- When there are errors or omissions in the request form.
- When required fees are not paid within the specified period of time.
- When the requested information does not match personal data held by us.
- When we suspect that such disclosure could threaten or harm the life, body, property or other rights of the customer or a third party.
- When we suspect that fulfilling the request could result in a significant hindrance to conducting our business in an appropriate and effective manner.
- When fulfilling the request would be a violation of other laws or regulations.
The following is the contact regarding inquiries as to disclosure of personal information etc.
Customer Inquiry Desk
Standard Chartered Bank, Tokyo Branch
Address: Sanno Park Tower 21F 2-11-1 Nagata-cho, Chiyoda-ku, Tokyo 100-6155
Inquiry Desk: Conduct, Financial Crime & Compliance
Hours: 9:00a.m. – 5:00p.m
(Excluding Saturday, Sunday, public holidays and the yearend/New Year non-banking business days)
Complaints regarding the handling of personal information.
We are a member of the All Banks Personal Data Protection Council, an accredited Personal Data Protection Organization in the financial sector. The Council accepts complaints and consultation with regards to the handling of personal information by a member bank at complaints / consultation desks (Japan Bankers Association Advisory Desk or Ginko Torihiki Sodansho).
All Banks Personal Data Protection Council: http://www.abpdpc.gr.jp Complaints / Consultation Desk Tel: 03-5222-1700 or Ginko Torihiki Sodansho near you.
The aforementioned purposes of usage or information contents in this Policy may be modified from time to time as a result of amendment to the Laws and Regulations and other reasons. When the Policy is modified, the modified policy will be made available to our customers on our website, or by other means.
Standard Chartered Bank, Tokyo Branch
Chief Executive Officer, Japan