Handling of Personal Information
Tokio Marine & Nichido Fire Insurance Co., Ltd.

With customer trust as the foundation of our corporate philosophy and all our activities, we aim to be a company that contributes to the development of society through providing our customers with a sense of security and safety. Guided by this philosophy and as a Data Controller, we comply with the Act on the Protection of Personal Information (the "Privacy Act"), the Act on the Use of Numbers to Identify a Specific Individual in the Administrative Procedure (the "My Number Act") and other relevant laws and ordinances, the Personal Information Protection Guidelines in the Financial Sector and other relevant guidelines, the Personal Information Protection Guidelines of Non-Life Insurance Companies, issued by the General Insurance Association of Japan, and Tokio Marine Group Privacy Policy in handling personal information as well as individual numbers and specific personal information (hereinafter referred to as "Specific Personal Information, etc.") in a proper manner as described below. Tokio Marine & Nichido Fire Insurance Co., Ltd. ("the Company") takes appropriate measures to ensure that personal information and Specific Personal Information, etc. are secure and make every effort to train insurance agents and employees in the proper handling of information. The Company also performs reviews as needed in order to improve itself in this respect based on the contents outlined below.

1. Collection of Personal Information

(Please see Clause 9 below with respect to Specific Personal Information, etc.)
The Company collects personal information in a lawful and appropriate manner to the extent necessary in conducting business.

Furthermore, in order to accurately record the content of various notifications, inquiries, consultations, etc., the Company may collect personal information by recording telephone conversations, etc.

2. Purpose of Use of Personal Information

(Please see Clause 9 below with respect to Specific Personal Information, etc.)
The Company uses personal information only to the extent necessary in order to perform the business activities listed below and for the purposes described in Clauses 5 and 6 (hereinafter, "Purpose of Use"). The Purpose of Use is declared on its website and published within application forms and brochures. If the Company makes any changes to the Purpose of Use, the Company will issue appropriate notices regarding such changes or make a public announcement of such changes on its website.

Purposes of Use:

The Company will obtain your consent, except in the cases laid out in Paragraph 3 of Article 16 of the Privacy Law, if it handles personal information beyond the defined necessary extent.

3. Provision and Collection of Personal Data to/from Third Parties

(Please see Clause 9 below with respect to Specific Personal Information, etc.)

4. Outsourcing the Handling of Personal Data and Specific Personal Information, etc.

The Company may outsource the handling of personal data and Specific Personal Information, etc. to the extent necessary for achieving the purpose of its utilization. Whenever the Company outsources the handling of personal data and Specific Personal Information, etc., it exercises the necessary and appropriate oversight of outsourcees, such as checking in advance their information management systems after setting criteria for their selection.
For instance, the Company outsources the handling of personal data in the following cases:
(Item (iv) below includes Specific Personal Information, etc.)

5. Joint Use with the Company's Group Companies and Business Partners

(There is no joint use of Specific Personal Information, etc.)
The Company, Tokio Marine Group companies and their business partners may use the following personal data for the Purpose of Use provided in the preceding clause, items (i) through (xvii) and for the management of subsidiaries as a holding company.

Please see Clause 16 "Company List" with respect to the Company’s Group Companies and Business Partners.

6. Information Exchange System

(The information exchange system does not cover Specific Personal Information, etc.)

7. Handling of Credit Information

The Purpose of Use of personal information provided by any credit information organization (which means any organization that collects information regarding your ability to meet your debt payments and provides such information to the Company) is limited to its investigation of your ability to meet your payments in accordance with Article 53-9 of the Enforcement Regulations of the Insurance Business Law.
The Company will not use such credit information for any purpose other than investigating your ability to meet your payments.

8. Handling of Sensitive Information

The Company will not collect, use, or provide to any third parties personal information requiring special care and information concerning membership of labor unions, family, domicile of origin, health condition or medical treatment, or sexual orientation (except for information released by the individual himself/herself, government agency, local government, or any party provided in each of the items in paragraph 1 of Article 76 of the Privacy Act or in each of the items in Article 6 of the Ordinance for Enforcement of the Privacy Act, or information which is collected through visual observation or by taking a photograph of the individual and hence the external appearance is evident; hereinafter, “Sensitive Information”) except for cases provided by the Privacy Act, other relevant laws, ordinances and guidelines.

9. Handling of Specific Personal Information, etc.

The Purpose of Use of Specific Personal Information, etc. is limited under the My Number Act, and the Company will not collect or use Specific Personal Information, etc. beyond the prescribed Purpose of Use.
The Company will not provide Specific Personal Information, etc. to any third parties except in cases permitted under the My Number Act.

10. Inquiries Regarding Insurance Policies and Insured Events

Please direct inquiries regarding details of insurance policies and payment of insurance benefits to the office or agent listed on the insurance policy or the office or agent in your area. The Company will respond after confirming that you are the requesting party.

11. Notice of Matters, Disclosure, Amendment, or Suspension of Use of Personal Data and Specific Personal Information, etc. Held by the Company under the Privacy Act

Please direct requests for any notice of matters, disclosure, amendment, or Suspension of Use of Personal Data and Specific Personal Information, etc. held by the Company under the Privacy Act (Disclosure etc. Requests) to the address listed in Clause 14. (Contact Office) below.
After confirming that you are the requesting party, the Company will ask that you to complete a form and will then provide a written response. There will be a fee charged for this service.

12. Management of Personal Data and Specific Personal Information, etc.

The Company takes full measures in order to manage personal data and Specific Personal Information, etc. securely and to prevent divulgence, loss or damage to retained personal data and Specific Personal Information, etc. The Company will ensure the accuracy and prompt updating of personal data and Specific Personal Information, etc. in order to satisfy the Purpose of Use in addition to putting in place rules and regulations on handling and establishing a structure to implement measures for managing access to and restricting to carry out of such data and information, preventing from unauthorized access by outside parties and carrying out other control measures to secure management.

13. Handling of Anonymously Processed Information

14. Contact Information

The Company will appropriately and promptly respond to any complaints or consultations regarding the handling of personal information, Specific Personal Information, etc. and anonymously processed information.
If you have any questions regarding the handling of personal information, Specific Personal Information, etc. and anonymously processed information by the Company, suggestions for the secure management of personal data, Specific Personal Information, etc. and anonymously processed information or any other inquiries or consultations, please contact the office below.

Contact Office
Customer Center
Tokio Marine & Nichido Fire Insurance Co., Ltd.
Tel 0120-065-095
(open from 9:00 to 17:00 excluding Saturdays, Sundays, holidays and the new year holiday periods.)

15. Authorized Private Information Handling Entity

The Company is a member of the General Insurance Association of Japan and Japan Consumer Credit Association, each of which is an authorized Private Information Handling Entity. Both organizations handle claims and consultations regarding the handling of personal information, Specific Personal Information, etc. and anonymously processed information by member companies.

Contact Offices
General Insurance Counseling and ADR Center
The General Insurance Association of Japan
Address: 7F Waterasu Annex, 2-10-5, Kanda Awajicho, Chiyoda-ku, Tokyo 101-0063
Tel: 03-3255-1470
(open from 9:00 to 17:00 excluding Saturdays, Sundays, holidays and the year-end and new-year periods.)
URL:http://www.sonpo.or.jp/en/
Japan Consumer Credit Association (regarding financial business)
Tel: 03-5645-3360
(open from 10:00 to 12:00 and from 13:00 to 16:00 excluding Saturdays, Sundays, holidays and the year-end and new-year periods.)

16. Company List

The Company's Group Companies and Business Partners described in Clause 5. Joint Use with the Company's Group Companies and Business Partners are as follows:

Notes

The personal information, Specific Personal Information, etc. and anonymously processed information of employees may not necessarily be dealt with in accordance with this policy.