Personal Information Protection Policy (Privacy Policy)
In keeping with the mission of “Money Forward. Move your life forward,” Money Forward, Inc., (hereinafter referred to as the “Company”) alleviates individuals’ worries and anxieties about money through its services, and thus helps individuals improve their well-being and realize their dreams. The Company’s ultimate goal is to change the flow of money in Japan, revitalize the society as a whole, and contribute to cultivating an environment where individuals can readily take on new challenges.
To achieve this goal, the Company believes it is important to handle customers’ valuable personal information in an appropriate and secure manner, now and into the future. Thus, the Company has stipulated this Personal Information Protection Policy as an action guideline for all employees to comply with, and commits to its thorough compliance.
- 1．For personal information handled in all of the Company’s businesses, the Company shall comply with laws and ordinances, government-stipulated guidelines, and other standards applicable to the handling of personal information.
- 2．When obtaining personal information, the Company shall clarify the purpose of use in advance to the fullest extent possible, and obtain such information through appropriate means. In addition, the Company shall use obtained personal information solely within the scope necessary to achieve the purpose of use, and shall take appropriate measures to restrict use for any other purposes. The Company shall not provide obtained personal information to third parties without the consent of the individual concerned.
- 3．The Company shall take rational safety precautions and corrective measures against risks such as unauthorized access to, or loss, destruction, falsification, leakage or damage of personal information.
- 4．In cases where all or a portion of the handling of obtained personal information is to be outsourced to a third party, the Company shall adequately select the contractor, and take necessary measures such as concluding necessary agreements to ensure that the contractor complies with safety management measures.
- 5．The Company shall adequately respond to inquiries and complaints about personal information through the point of contact specified below.
- 6．The Company shall promptly respond to requests including those for notification, disclosure, correction or deletion of the purpose of using personal information, or the suspension of use of personal information.
- 7．The Company shall review and enhance its various actions and policies to protect personal information on a continuing basis.
Date of enactment: May 26, 2012
Date of last revision: March 1, 2022
Money Forward, Inc.
Yosuke Tsuji, Representative Director, President and CEO
Handling of Personal Information
- [Name of Business Operator]
- Money Forward, Inc.
- [Name of Representative]
- Yosuke Tsuji, Representative Director, President and CEO
- [Disclosure of Purpose of Use of Personal Information]
- The purposes for which we use the personal information we obtain are as follows.
- (1) Personal information of customers who use our services (Money Forward ME, Money Forward Cloud, Money Forward Career, and other services).
- ・To manage and operate our services.
- ・To provide the information of the client to the referral destination based on the request of the person in question.
- ・To provide information and support regarding our services, and to respond to customer inquiries, complaints, disputes, and lawsuits.
- ・To provide information about products, services, events, seminars, etc. of our company and our partner companies, including our group companies, via mail, telephone, fax, email, etc.
- ・To analyze or examine obtained information and provide the above information tailored to each customer.
- ・To notify customers of any changes to our terms and conditions, policies, etc. regarding our services.
- ・To manage and operate campaigns, etc.
- ・To perform tasks, communication, procedures, and respond to inquiries related to the above.
- ・To analyze or examine obtained information in order to use them to improve and enhance our services and to develop new services.
- ・To improve the quality of our response to inquiries and to accurately understand the content of inquiries, etc.
- ・To create, use, disclose or provide statistical data related to our services to the extent that individuals cannot be identified
- ・To improve and enhance our services and to create, use, or provide marketing materials after processing the data in such a way that individuals cannot be identified.
- ・For Money Forward Career users, in addition to the above, to confirm the user’s post-job change status and evaluation, and to provide advice and proposals, etc. for the planning of recruitment by the hiring company.
- (2) Personal information obtained in conjunction with applications for or participation in events, seminars, etc. hosted by our company or other companies.
- ・To hold (manage and operate) events, seminars, etc. (including the provision of participant information to co-hosting and sponsoring companies)
- ・To provide information about products, services, events, seminars, etc. of our company and our partner companies, including our group companies, via mail, telephone, fax, email, etc.
- ・To analyze or examine obtained information and provide information on the preceding item tailored to each participant.
- ・To manage and operate campaigns, etc.
- ・To analyze or examine obtained information and use it to plan events or seminars, to improve and enhance our services, and to develop new services.
- (3) Personal information obtained when receiving inquiries, opinions, etc.
- ・To respond to various inquiries
- ・To improve the quality of our response to inquiries and to accurately understand the content of inquiries, etc.
- ・To analyze or examine obtained information in order to improve and enhance our services and to develop new services.
(*We may record the content of phone calls for the above purposes.)
- (4) Personal information of business partners
- ・To carry out the selection of business partners, the provision of business information, contract conclusion procedures, transaction management, and other related operations.
- ・To provide information about products or services and events, etc. of our company and our partner companies, including our group companies, via mail, telephone, fax, email, etc.
- ・To analyze or examine obtained information and provide the above information tailored to each business partner.
- (5) Personal information that is publicly disclosed or announced and personal information provided by database operators
- ・To provide information about products or services and events, etc. of our company and our partner companies, including our group companies, via mail, telephone, fax, email, etc. (including analyzing or examining the obtained information to provide the information).
- ・To perform tasks, communication, procedures, and respond to inquiries related to the above.
- (6) Personal information of employees
- ・To manage the employment of employees (including retirees), handle various procedures such as personnel-related administrative tasks, and communicate and respond to inquiries regarding other general administrative matters
- ・To ensure employee health management and a proper working environment
- (7) Personal information of shareholders
- ・To manage shareholders in accordance with the Companies Act and other laws and regulations, implement various shareholder measures, and communicate with shareholders
- (8) Personal information for contracted services
- ・To perform contracted services
- (9) Personal information of employees of hiring companies obtained from hiring companies that have applied for Money Forward Career
- ・To provide FFS diagnostics or obtain FFS diagnostic results
- ・To provide career counseling, application solicitation, onboarding support, etc., to job seekers, and to provide onboarding support, consulting services, etc., to hiring companies in the course of delivering Money Forward Career’s services to hiring companies.
- Furthermore, we may provide the results of the FFS diagnosis to hiring companies for the above purposes and may also use and provide them to job seekers within the scope of the above purposes, after processing the data in such a way that individuals cannot be identified.
- In addition to the purposes of use specified in (1) through (9) above, we will use personal information within the scope necessary for the purposes of use notified to the individual at the time of obtaining the personal information.
- [Matters in Cases Where Personal Information is Scheduled to be Provided to a Third Party]
- (1) When providing our services to customers of partner financial institutions or companies, we may provide these partner institutions or companies with information obtained through our services (limited to information pertaining to their customers) for the purpose of improving or enhancing their services, etc., or for other purposes specified by them.
- (2) In the event of a failure of our services, we may provide information obtained through our services to partner financial institutions or companies in order to respond to customers, investigate the cause of the failure, resolve the failure, and improve our services, etc. (Personal information may be provided by partner financial institutions or companies in order to deal with such failures.)
- (3) When providing co-hosting and sponsoring companies of seminars and events with application information (name, company name, contact information, etc.) obtained via a website, etc., and survey information (name, company name, contact information, survey responses, etc.) obtained at the venue or via a website, etc., in order for such companies to understand participants’ needs, etc. and to provide appropriate information with the participants or contact them, etc. If requested, we will stop providing information to co-hosting and sponsoring companies of seminars and events.
- (4) When providing receipt information, etc. to companies that perform text conversion services for the purpose of improving the accuracy of analysis work or using it as statistical information.
- (5) When using advertising distribution services of advertising distribution business operators (including the following foreign advertising distribution business operators), in order to deliver even more relevant advertising to our customers, we provide such advertising distribution business operators with the personal information (email addresses, cookies, etc.) that we have obtained in a format that does not include information that identifies individuals, such as a hashed format (a format that cannot be restored to its original form). *Information regarding foreign advertising distribution business operators Please refer to the respective links for information regarding the personal information protection measures of each advertising distribution business operator and the relevant foreign systems.
- (6) When providing user information to partner companies based on the provisions of the terms of use of our services Other than the above, we will not provide user information to third parties, except with the consent of the individual or as required by laws and regulations.
- [Joint Use]
- We may jointly use personal data that we have obtained with our group companies.
- (1) Items of personal data to be jointly used
- ・Name, name of company, address, email address, phone number, and other personal attribute information (excluding user ID, password, and other authentication information registered by the user)
- ・Information on the usage history of our services
- ・Data obtained by users of our services by sending or storing information to our services
- ・Data obtained by analyzing or examining the data in each of the preceding items
- (2) Scope of joint use
・Within Money Forward, Inc. and its domestic group companies
*For information about the group companies of Money Forward, Inc., visit:
https://corp.moneyforward.com/en/aboutus/outline/ - (3) Purpose of joint use
- ・To provide information about products, services, events, seminars, etc. of our company and our partner companies, including our group companies, via mail, telephone, fax, email, etc.
- ・To analyze or examine data to provide the above information and use it to manage, operate, improve, and enhance the services provided by us and our domestic group companies, and to develop new services.
- (4) Person responsible for managing personal data
Money Forward, Inc.
21F, msb Tamachi Tamachi Station Tower S, 3-1-21, Shibaura, Minato-ku, Tokyo
Yosuke Tsuji, Representative Director, President and CEO
- [Outsourcing]
- ・We may entrust the handling of personal information in whole or in part within the scope necessary for the achievement of the purpose of use. In such cases, the outsourced work may be conducted by comparing or matching the information held by the outsourcing party.
- ・We may outsource work related to the development and operation of our services to overseas business operators. In this case, we will conclude a contract with the entrusted business operator regarding the relevant outsourcing and ensure the continuous implementation of equivalent measures for handling personal information. Furthermore, the personal information handled by the entrusted business operator in the relevant work will be stored on servers in Japan and will not be transferred to overseas servers.
- [Voluntary Provision of Personal Information]
- Providing personal information is voluntary; however, if the necessary personal information is not provided, we may not be able to respond appropriately to our customers.
- [Use of External Transmission Tools, etc.]
- We use cookies, web beacons, and other technologies (hereinafter referred to as “External Transmission Tools”) provided by us or third parties to obtain and analyze information about our customers (including advertising identifiers, information about the devices and apps used, network information such as IP addresses, and access history. Access history includes access logs such as behavioral history on advertising pages and sites that are linked to our services and cookies) for the purposes of understanding the usage status of our website or services, managing or improving our website or services, or optimizing advertisements provided by us or third parties (including measuring the effectiveness of such advertisements).
In addition, for the purposes described above, we may obtain the above-mentioned information about our customers collected from third parties such as tool providers or advertising distribution business operators (hereinafter referred to as “External Transmission Tool Providers, etc.”) by external transmission tool providers, etc. and may also obtain information on the analysis results by the External Transmission Tool Providers, etc.
If such information by itself does not contain information that identifies an individual, it does not constitute personal information. However, we may link such information to the personal information of our customers, in which case we will treat it as personal information as well.
*Information obtained by the External Transmission Tool Providers, etc. is managed based on the policies (privacy policies) stipulated by the respective External Transmission Tool Providers, etc. For information on the policies stipulated by the External Transmission Tool Providers, etc., please refer to their websites.
*For details on the use of External Transmission Tools, please refer to “Public Announcements Regarding External Transmission Tools.”
- [Personal Data Security Management]
- We take the following measures to ensure the security management of personal data (including personal information obtained or to be obtained by us and intended to be handled as personal data by us).
- (1) Formulation of basic policy ・In order to ensure the proper handling of personal data, we have established a Privacy Policy as our basic policy regarding “compliance with relevant laws, regulations, guidelines, etc.” and a “point of contact for processing inquiries and complaints,” etc.
- (2) Establishment of disciplines for handling personal data ・We have established internal regulations that stipulate the handling methods for each stage of obtaining, using, storing, providing, deleting, and disposing, etc. of personal data. ・We have also separately established detailed operational procedures to ensure that all employees handling personal data can perform their duties even more appropriately.
- (3) Organizational security control measures ・In addition to appointing a manager responsible for the handling of personal data, we have designated the employees who handle personal data and the scope of personal data to be handled. We also conduct regular reviews of access privileges. ・We have established a reporting and communication system to notify the responsible manager in the event that anyone becomes aware of a fact or indication of a violation of internal regulations, etc., or a fact or indication that personal data may have been leaked, lost, etc. ・We have established a system to respond promptly to incidents. ・We conduct regular audits by the audit department regarding the handling of personal data.
- (4) Human resource security control measures ・We conduct regular training and understanding checks for all employees on the points to consider when handling personal data and information security to further raise awareness. ・We have stipulated confidentiality obligations regarding personal data in our Rules of Employment and collect written pledges from employees upon joining the company.
- (5) Physical security control measures ・We implement access control for employees entering and leaving the office area. ・In addition to taking measures to prevent theft or loss of equipment, electronic media, and documents that handle personal data, we have taken measures to minimize the impact of theft or loss by encrypting or locking such equipment, electronic media, etc. when transporting them, including within our offices.
- (6) Technical security control measures ・We limit the employees who handle personal data and the personal data they handle. ・We have implemented a system to protect the systems that handle personal data from unauthorized access from outside or malicious software, and we monitor access logs, etc. ・For systems that handle personal data, we conduct vulnerability assessments by external organizations, obtain the latest security information on a regular basis, and strive to assess risks and take appropriate measures.
- (7) External environment ・When handling personal data in a foreign country, we take necessary and appropriate measures for the secure management of personal data, based on knowledge of the systems for the protection of personal data in that foreign country.
- [Disclosure of Personal Data, etc.]
- ・In the event that our customer requests notification of the purpose of use, disclosure (including disclosure of records of provision to third parties), correction, etc. (correction, addition, or deletion of content), suspension of use, etc. (suspension of use or deletion), or suspension of provision to third parties (hereinafter collectively referred to as “Disclosure, etc.”) of their personal data, we will respond to such requests within reasonable limits based on the Personal Information Protection Act.
- ・To make a request for Disclosure, etc., please use our company’s prescribed form (application for Disclosure, etc.). For information about our company’s prescribed form, please contact the following.
- ・We will confirm that the request for Disclosure, etc., is from the individual in question by verifying their ID, etc., and will disclose the personal data without delay, and will notify such to the individual by providing electromagnetic records in principle. If the request is made by a proxy, we will confirm that the proxy is duly authorized by means of official documents, power of attorney, etc. (If there is no applicable personal data or if a decision has been made not to disclose it for legitimate reasons, we will notify the representative.)
・Our prescribed fee (1,000 yen per case) will be charged for requests for disclosure of personal data and notification of the purpose of use.
- [Point of Contact for Complaints and Requests for Disclosure, etc. Regarding the Handling of Personal Information]
- Money Forward, Inc. Personal Information Inquiry Desk
3-1-21, Shibaura, Minato-ku, Tokyo 108-0023
msb Tamachi Tamachi Station Tower S, 21F
https://corp.moneyforward.com/en/contact/other/Last revision on September 1, 2024
Handling of Personal Information in Recruitment Activities
Money Forward, Inc. (hereinafter referred to as “the Company”) will obtain personal information from those who apply for recruitment or participate in recruitment-related events, etc. (hereinafter referred to as the “Recruitment Candidate”) in the course of the Company’s recruitment activities. Please provide your personal information with your consent to the handling of personal information in the Company’s recruitment activities.
- 1. Obtaining Personal Information
- The Company will obtain personal information such as resumes, academic transcripts, and work history documents from the Recruitment Candidates in the course of the Company’s recruitment activities.
- 2. Restrictions on Obtaining Sensitive Personal Information
- In principle, the Company does not obtain personal information that includes the following matters.
However, this does not apply if the Recruitment Candidate voluntarily provides them.- ・Matters related to ideology, beliefs, and religion
- ・Matters related to race, ethnicity, family origin, permanent legal address (excluding information on the prefecture of residence), physical or mental disabilities, criminal record, and other matters that may cause social discrimination
- ・Matters concerning the right of workers to unionize, collective bargaining and other acts of collective action
- ・Matters related to participation in collective demonstrations, exercise of the right to petition, and exercise of other political rights
- ・Matters related to health care and sexual life
- 3. Purpose of Use of Personal Information
- The Company will use personal information within the scope necessary for the following purposes and will not use it for any other purpose without the consent of the Recruitment Candidate.
- ・To conduct recruitment selection and hiring procedures
- ・To provide information about recruitment and invitations to events and seminars related to recruitment (unless the Recruitment Candidate does not wish to receive such information)
- ・To respond to inquiries and contact the Recruitment Candidate (including responses to employment agencies and other providers of recruitment services used by the Company, if such agencies are involved)
- ・To improve recruitment activities using data obtained from analyzing or examining the information obtained
- ・To create statistical data necessary for formulating the Company’s recruitment policy
- 4. Joint Use
- The Company may jointly use personal information of the Recruitment Candidates obtained in recruitment activities with our domestic group companies.
- (1) Personal information to be jointly used
Personal information described in “1. Obtaining Personal Information” - (2) Scope of joint use
・Within Money Forward, Inc. and its domestic group companies
*For information about the group companies of Money Forward, Inc., visit:
https://corp.moneyforward.com/en/aboutus/outline/ - (3) Purpose of joint use
The same as the purposes described in “3. Purpose of Use of Personal Information.” - (4) Person responsible for managing personal data Money Forward, Inc. 21F, msb Tamachi Tamachi Station Tower S, 3-1-21, Shibaura, Minato-ku, Tokyo Yosuke Tsuji, Representative Director, President and CEO
- 5. Provision of Personal Information to Third Parties
- In the following case, the Company will not provide personal information of the Recruitment Candidates to third parties, except in cases where the Company has the consent of the individual or is required to do so by law. ・When it is necessary to the extent required to fulfill a contract or agreement with an employment agency or other provider of recruitment services used by the Company, the Company may provide such agencies with information regarding the progress of the selection process, selection results, or other information related to the selection process of the Recruitment Candidates.
- 6. Outsourcing of Personal Information
- We may entrust the handling of personal information in whole or in part within the scope necessary for the achievement of the purpose of use.
- 7. Security Management of Personal Information
- The Company will take appropriate security control measures to prevent leakage, etc. of personal information. The details are as described in the “[Personal Data Security Management]” section of the Handling of Personal Information.
- 8. Disclosure of Personal Information, etc.
- The details are as described in “[Disclosure of Personal Data, etc.]” section of the Handling of Personal Information.
- 9. Point of Contact for Complaints and Requests for Disclosure, etc. Regarding the Handling of Personal Information
- Money Forward, Inc. Personal Information Inquiry Desk
3-1-21, Shibaura, Minato-ku, Tokyo 108-0023
msb Tamachi Tamachi Station Tower S, 21F
https://corp.moneyforward.com/en/contact/other/(Last revision on September 1, 2024)