Privacy Policy

We will obtain personal information to the extent necessary for our business in a legitimate and fair manner.

We will obtain personal information mainly from insurance application forms, contract forms, insurance claim forms, transaction documents, questionnaires, and other documents. We may also obtain personal information from phone calls involving questions and consultations, which will be recorded to accurately record their content.

• * Please refer to item 4(1) below with respect to the Group companies.

We will only offer personal data without permission to third parties in the following situations:

1. 1. When required to do so by law;
2. 2. When offering the information to consigned companies to the extent necessary for operations;
3. 3. When offering the information to third parties via procedures based on Article 23, paragraph (2) of the Act on the Protection of Personal Information (i.e. opting out);
4. 4. When sharing information between our Group companies (please refer to item 4 below).

1. (1) Shared use with the Group companies
   1. [1] For MS&AD Insurance Group Holdings, Inc. (hereinafter, the "Holding Company") to manage the business of the MS&AD Insurance Group companies, MS&AD Insurance Group may share personal data between the Holding Company and the MS&AD Insurance Group companies based on the following conditions.

      Items of personal data

      1. a) Shareholder information (name, address, number of shares etc)
      2. b) Customer information held by the Holding Company or the Group companies (name, address, phone number, email address, gender, date of birth, other information related to customer transactions such as those noted in contract forms or information regarding insured events, etc).

      Scope of users of shared information and management representative

      Users of shared information are domestic and overseas insurance companies, reinsurance companies, and related companies of the MS&AD Insurance Group. (Click here to see the users.) The management representative for the shared use of information will be the holding company.

   2. [2] We and other Group companies may share personal data for the purpose of explaining or providing products and services under the following conditions:

      Personal Data Items

      • Name
      • Address
      • Telephone number
      • E-mail address
      • Gender
      • Date of birth
      • Other information related to customer transactions such as contract details noted in application forms or information regarding insured events, etc

      Scope of users of shared information and management representative

      Users of shared information are domestic and overseas insurance companies, reinsurance companies, and related companies of the MS&AD Insurance Group. (Click here to see the users.) The management representative for the shared use of information will be the holding company.

2. (2) Information sharing system of the non-life insurance industry
   We will share personal data with other non-life insurance companies, etc. to eliminate misconduct in the conclusion of insurance contracts or in the filing of insurance claims.
   We will also share personal data with the Non-Life Insurance Rating Organization of Japan to ensure proper payments of insurance benefits for compulsory automobile liability insurance. For details, please see the website of the General Insurance Association of Japan or the Non-Life Insurance Rating Organization of Japan, or contact the following:

   Contact Offices

   Non-life Insurance Consulting Office
   The General Insurance Association of Japan
   Address: 2-9, Kanda Awajicho, Chiyoda-Ku, Tokyo 101-8335
   Tel: 03-3255-1467 (open from 9:00 to 17:00 excluding Saturdays, Sundays and holidays)
   URL: http://www.sonpo.or.jp/

   Personal Information Consulting Office, Administration and Planning Department
   Non-Life Insurance Rating Organization of Japan
   Address: 1-9, Kanda-Nishikicho, Chiyoda-ku, Tokyo 101-0054
   Tel: 03-3233-4141 (open from 9:00 to 17:00 excluding Saturdays, Sundays and holidays)
   URL: http://www.nliro.or.jp

3. (3) Provision of personal data to the Ministry of Land, Infrastructure, Transport and Tourism for prevention of use of uninsured motorized bicycles and small motorcycles
   We provide personal data concerning compulsory automobile liability insurance of motorized bicycles and small motorcycles to the Ministry of Land, Infrastructure, Transport and Tourism. The Ministry needs to use the data to send postcards to owners of the aforementioned vehicles when their policy periods of compulsory automobile liability insurance are deemed to have expired. The Ministry thereby confirms if the owners have renewed their insurance, for the purpose of preventing use of uninsured motorized bicycles and small motorcycles. The management representative for the shared use of information is the Ministry.
   We submit the following personal data to the Ministry:

   Personal Data

   Name and address of policyholder

   Number of certificate and term of insurance

   Type of vehicle

   Number of vehicle, identification number, or fleet number

   URL of the Ministry of Land, Infrastructure and Transport:

   • http://www.jibai.jp

4. (4) Shared use of personal data concerning insurance agents, etc.

   We will share the personal data of employees of non-life insurance agents and other entities with other non-life insurance companies for the appropriate supervision of non-life insurance agents and for recruitment. The Company will also use personal data including information about persons who have passed Non-Life Insurance Solicitors Examinations or other examinations undertaken by the General Insurance Association of Japan for commissioning as our insurance agents, or for other purposes. For details, please refer to the website of the General Insurance Association of Japan.

In accordance with Article 53-9 of the Ordinance for Enforcement of Insurance Business Law, we will use information on the creditworthiness of individuals provided by credit information organizations (meaning organizations that collect information on the creditworthiness of individuals and that provide us with such information) only to the extent necessary to confirm the creditworthiness of individuals.

In accordance with Article 53-10 of the Ordinance for Enforcement of Insurance Business Law, we will not obtain, use, or offer to third parties personal information such as political opinions, faith (religion, thoughts and beliefs), membership of labor unions, race or ethnicity, family and domicile of origin, and information regarding medical treatment, sexual orientation or criminal records (hereinafter, "sensitive information"), except in the following situations:

1. (1) When the sensitive information is obtained, used, or provided to a third party to the extent necessary to ensure proper operation of insurance business and with consent from the corresponding person;
2. (2) When the sensitive information is obtained, used, or provided to a third party to the extent necessary to pay insurance benefits involving inheritance procedures, etc.;
3. (3) When sensitive information of employees, etc. concerning affiliation to, or membership of, political, religious, or other groups or labor unions, is obtained, used, or provided to a third party to the extent necessary to collect insurance premiums, etc.;
4. (4) When required to do so by law;
5. (5) When required to do to protect a person’s life, body, or property;
6. (6) When especially required to do so to improve public health or promote the sound development of children;
7. (7) When required to do so to cooperate with any government organizations, local public organizations or parties commissioned by such organizations in performing operations required by law or ordinance.

1. (1) Inquiry about details of insurance policies and insured events
   Please refer to the information desk below for any details of insurance policies and insured events. We will provide a response after verifying the identity of the claimant. We will correct any information about the claimant that we find is incorrect.
2. (2) Requests for notification, disclosure, corrections, or discontinuation of the use of information that we hold under the Act on the Protection of Personal Information.
   Please refer to the information desk for requests for notification, disclosure, corrections, or discontinuation of the use of information that we hold under the Act on the Protection of Personal Information.
   We will reserve the right to verify the identity of the claimant, who will be required to complete the prescribed forms and the application procedure. In principle, requests will be answered in writing at a later date. At the time of responding, we will require claimants to pay the standard fees for any requests for disclosure. (Click here for details of the procedure.)
   If we find that information about the claimant is incorrect, we will correct the information based on the results of our investigation.

We will make efforts to prevent leakage, damage, or defamation of personal data. We will also ensure adequate security measures such as maintenance of policies regarding usage, as well as implementation systems for the maintenance of policies regarding use of data and secure management.

We will also set criteria for the selection of consigned companies when trusting personal data to external parties, and conduct necessary and adequate supervision of the consigned company, such as checking their information management system beforehand.

Please contact the information desk below for queries regarding safety management procedures.