Privacy Policy

Effective Date: 21.09.2025 year

This Privacy Policy describes how AC Bank Ltd collects, uses, and discloses your information when you use the AC Bank Japan mobile application (the "App").

By using the App, you agree to the collection and use of information in accordance with this Privacy Policy.

We collect information to provide and improve our services to you.

A. Personal Information

We collect personal information that you provide directly to us, including but not limited to:

• Identity Information: Your full name, date of birth, address, and government-issued identification numbers.
• Contact Information: Your email address and phone number.
• Financial Information: Your bank account details, transaction history, and credit/debit card information.
• Biometric Information: Fingerprint data or facial recognition data if you choose to enable these features for secure login, which is stored on your device and not on our servers.

B. Device and Technical Information

We may automatically collect certain information about your device and how you use the App, such as:

• Device model and operating system.
• Unique device identifiers (e.g., IMEI).
• IP address.
• App usage data, including features accessed and time spent in the App.

C. Permissions

The App requires specific permissions to function correctly:

• Camera (android.permission.CAMERA): This permission is used for features like [e.g., "scanning QR codes for payments," or "taking a photo of a document for account verification"]. We do not use the camera for any purpose other than what is explicitly stated and initiated by you. Images are processed on the device or securely transmitted for the specified purpose, and are not stored on our servers unless necessary for the service.
  

We use the information we collect for the following purposes:

• To Provide Services: To process transactions, manage your accounts, and provide customer support.
• Security and Fraud Prevention: To verify your identity, protect against fraud, and ensure the security of your account and financial data.
• To Improve Our App: To analyze usage patterns and improve the functionality, performance, and user experience of our App.
• Compliance: To comply with legal and regulatory obligations.
  

We do not sell your personal information. We may share your information with trusted third parties only in the following circumstances:

• Service Providers: We may share data with third-party service providers who assist us in providing our services, such as payment processors, fraud detection services, and data analytics providers.
• Legal Compliance: We may disclose your information if required by law, subpoena, or other legal process.
• With Your Consent: We may share your information for any other purpose with your explicit consent.
  

We implement reasonable security measures to protect your personal and financial information. This includes data encryption in transit and at rest, as well as strict access controls. While we strive to use commercially acceptable means to protect your information, no method of transmission over the Internet is 100% secure.

You have the right to access, correct, or delete your personal information. For any requests related to your data, please contact us at the email address provided below.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date."

If you have any questions or concerns about this Privacy Policy, please contact us at:

info@acbankjapan.com