Privacy Policy

Japan Finance Corporation (hereinafter "JFC") positions the trust of our clients as our first priority, deeply recognizes the importance of our clients' personal information, and believes that it is our duty to our clients to properly manage and protect their personal information.


With a view to protecting our clients' personal information, JFC will conduct our operations in a manner whereby we observe the Act on the Protection of Personal Information (hereinafter called the "Law"), the Guidance concerning the Measures to Properly Manage the Personal Information held by Administrative Organs, etc., and so forth.

※Click here for information on the handling of personal information subject to the Personal Data Protection Act (PDPA) in Thailand.

1. Acquisition of Personal Information

JFC will acquire our clients' personal information through proper and lawful means.
When we acquire personal information from our clients directly in writing, we will specify in advance the purposes for its use that are within the necessary scope of JFC's operations.

2. Use of Personal Information

JFC will specify the purposes for use in obtaining the necessary personal information of our clients as listed below, and will use it within the scope that is necessary to achieve such purposes:

For all JFC Sectors

  • To confirm the clients' personal identity (including qualifications and requirements for our various lending facilities).
  • To receive loan applications, decide loan approvals, and conduct loan management after disbursements and/or repayments.
  • To make contracts, and exercise legal rights and obligations.
  • To conduct surveys and research through issuing questionnaires and providing reference information.
  • To respond properly and smoothly to questions and inquiries, and deal with transactions including queries from JFC.

3. Provision of Personal Information to Third Parties

JFC will not provide the personal information acquired from its clients to third parties except for in the following cases:

  • It is required by law.
  • It is provided within the scope of the purposes for use as prescribed above.
  • Consent is obtained from the clients.
  • There are convincing reasons why executive agencies, incorporated administrative agencies, local municipal entities or local incorporated administrative agencies would use it to the necessary extent to carry out the law-stipulated operations.
  • It is used for statistics compilation or academic research.
  • It is clearly beneficial to the clients or there exist special reasons to provide personal information.

4. Subcontract

JFC may subcontract the handling of our clients' personal information to conduct such operations more smoothly. In such cases, JFC will attempt to select a trustworthy subcontractor, enter into a confidentiality agreement, supervise the handling and administering of the personal information impeccably, and assure the protection of personal information.

5. Personal Information Management

  • JFC will attempt to keep our clients' personal information correct and updated, and take prevention and safety measures against unauthorized access, leakage, loss, damage, and alteration of personal information.
  • JFC will constantly educate its employees about the protection and proper management of our clients' personal information to thoroughly make sure of its proper handling in its daily operations.
  • JFC will audit whether the protection and management of personal information is undertaken properly.

6. Disclosure, Correction, and Disuse

If a client wishes to make a request to disclose, correct or disuse the clients' personal information held by JFC, we will deal with such a request by following the procedure of disclosure stipulated in the Law.

Meanwhile, there are some cases when such disclosure could be made out of the procedure of disclosure stipulated in the Law, for which please contact our nearest office of the relevant Unit.

7. Inquiries about Personal Information Management

For inquiries or complaints about the clients' personal information management at JFC, please contact our nearest office of the relevant Unit. 

8. Continuous Improvement

JFC will continuously improve the clients' personal information management as necessary.

Micro Business and Individual Unit

  1. Direct mailings providing information on loan programs, etc.*

    * JFC may use direct mailing to furnish its customers with information on its loan programs that it believes to be in the best interest of the customers. Customers who do not wish to receive such mailings may request to be removed from the mailing list by contacting a local branch of the Micro Business and Individual Unit.

  2. Disclosure to designated recipients of information listed in the following table.

Agricultural, Forestry, Fisheries, and Food Business Unit

  1. Screening procedures by administrative agencies necessary for loans, and procedures for receipt of confirmatory documents and opinion letters from administrative agencies necessary for loans.
  2. Disclosure of information to third parties to the extent necessary for proper execution of operations, such as reporting to competent ministries and supervisory agencies.
  3. Preparation of documents for use in making loan decisions, such as by conducting data analysis.
  4. Disclosure of information relating to loans/repayment, such as the mailing of payment notices.
  5. Surveys and research using questionnaires and so on, and the provision of reference information such as through direct mail. *

    *JFC may use direct mailing to furnish its customers with information on its loan programs that it believes to be in the best interest of the customers.Customers who do not wish to receive such mailings may request to be removed from the mailing list by contacting a local branch of the Agriculture,Forestry, Fisheries and Food Business Unit.

Small and Medium Enterprise (SME) Unit

  1. Accepts letters of credit, decides on issuance of letters of credit and management after issuance
  2. Decides on continuous trading related to credit business
  3. Acceptance of credit insurance, payment of insurance money, and management of insurance after insurance accepted.
  4. Cancelled transactions and post-management following transaction cancellation
  5. Provision of business management information necessary for SMEs to aid the client's growth and development.
  6. Implementation and disclosure of survey results on business trends among SMEs to aid the client's growth and development.
  7. Provision of information or suggestions concerning loan programs.*

    *JFC may use direct mailing to furnish its customers with information on its loan programs that it believes to be in the best interest of the customers. Customers who do not wish to receive such mailings may request to be removed from the mailing list by contacting a local branch of the Small and Medium Enterprise (SME) Unit.

  8. Evaluation of policies regarding SMEs, and release of evaluation results, as well as research and development concerning new policy-based financing methods.

Crisis Response Finance Department,etc.

  1. Casualty insurance underwriting, damage compensation, and post-crisis management.
  2. Payment of interest subsidies and management subsequent to payment.