1. Data Controller
Fukugu K.K. ("Fukugu", "we", "us", or "our"), a company incorporated under the laws of Japan with its registered office at Otemachi Building 4F, 1-6-1 Otemachi, Chiyoda-ku, Tokyo 100-0004, Japan, is responsible for the handling of personal information collected through our website and in connection with our payment and fund transfer services (collectively, the "Fukugu Services").
Fukugu is registered as a Type 2 Fund Transfer Service Provider with the Kanto Local Finance Bureau (Registration No. 00059) and is a member of the Japan Payment Service Association (JPSA) and the Fintech Association of Japan (FAJ).
2. Applicable Law
We handle personal information in accordance with the Act on the Protection of Personal Information of Japan (個人情報の保護に関する法律, "APPI"), including its amendments, and the guidelines issued by the Personal Information Protection Commission (PPC).
Where our services are accessed from outside Japan, we will handle personal information in accordance with applicable laws to the extent required.
3. Personal Information We Collect
3.1 Information You Provide
We may collect the following personal information:
- Identity information (e.g. name, date of birth, nationality)
- Contact information (e.g. email address, telephone number, postal address)
- Identification documents (e.g. passport, residence card, or other government-issued ID)
- Financial information (e.g. bank account details, payment-related information)
- Transaction information (e.g. remittance details, transaction history)
- Business information (for corporate customers, including company name, registration details, and representative information)
- Communications (e.g. inquiries, customer support interactions)
3.2 Information Collected Automatically
We may also collect:
- Usage data (e.g. pages visited, features used)
- Device and technical data (e.g. IP address, browser type, operating system)
- Access logs and transaction metadata (e.g. timestamps, device identifiers)
4. Purpose of Use
We use personal information for the following purposes:
- To provide and operate Fukugu Services, including payment processing and settlement
- To verify customer identity and conduct customer due diligence (KYC)
- To comply with applicable laws and regulations, including obligations under the Act on Prevention of Transfer of Criminal Proceeds
- To monitor transactions and detect, prevent, and investigate fraud or unauthorised activities
- To respond to regulatory requests, audits, and reporting obligations
- To manage risk, security, and internal controls
- To communicate with customers regarding transactions, services, and support
- To improve, develop, and enhance Fukugu Services
- To conduct marketing and promotional communications, where permitted by law
If we intend to use personal information beyond the purposes stated above, we will obtain your consent where required.
5. Sharing of Personal Information
5.1 Service Providers and Partners
We may share personal information with third parties to the extent necessary to provide Fukugu Services, including:
- Financial institutions and banking partners
- Payment networks and settlement partners
- Identity verification and compliance service providers
- IT, cloud, and operational service providers
Such parties are required to handle personal information appropriately and are subject to confidentiality obligations.
5.2 Legal and Regulatory Disclosure
We may disclose personal information without prior consent where required or permitted by applicable laws and regulations, including:
- Compliance with legal obligations
- Requests from regulatory authorities, law enforcement, or courts
- Protection of rights, property, or safety of Fukugu, our users, or third parties
5.3 Business Transfers
In the event of a merger, acquisition, or transfer of business, personal information may be transferred to the successor entity, subject to applicable laws.
6. Cross-Border Transfers
In connection with the provision of Fukugu Services, personal information may be transferred to and processed in jurisdictions outside Japan.
Where such transfers occur, we take appropriate measures in accordance with applicable laws to ensure that personal information is adequately protected.
7. Retention of Personal Information
We retain personal information only for as long as necessary to fulfil the purposes described in this Privacy Policy and to comply with applicable legal and regulatory obligations.
For transaction records and identity verification information, we generally retain data for the period required under the Act on Prevention of Transfer of Criminal Proceeds and related financial regulations (typically up to seven years after the transaction or account closure).
8. Security
We implement appropriate organisational, technical, and physical security measures to protect personal information against unauthorised access, leakage, loss, or damage. Such measures include, but are not limited to:
- Access controls and internal authorisation management
- Encryption and secure system infrastructure
- Internal policies, employee training, and confidentiality obligations
- Ongoing monitoring, audit, and improvement of security practices
We strive to protect your information; however, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee complete security.
9. Your Rights
In accordance with applicable laws, you may request:
- Disclosure of your personal information
- Correction, addition, or deletion
- Suspension or cessation of use
We will respond to such requests appropriately after verifying your identity. To make a request, please contact us at legal@fukugu.co.jp.
10. Contact & Complaints
For inquiries, requests, or complaints regarding personal information, please contact:
Customer Service Division
Fukugu K.K.
Otemachi Building 4F, 1-6-1 Otemachi, Chiyoda-ku, Tokyo 100-0004, Japan
Business hours: 10:00 – 18:00 (Japan time, excluding weekends and public holidays)
Email: legal@fukugu.co.jp
If you are not satisfied with our response, you may contact the Personal Information Protection Commission (PPC) of Japan at www.ppc.go.jp.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be effective upon publication on our website.