Privacy Policy

1. What this policy covers

This policy explains how we collect, use, store, share, and protect personal data on this website, including any credit-related inputs or information you provide when using our educational service and related features.

We do not operate as a lender, credit bureau, or regulated credit intermediary. We provide information and guidance for understanding mortgage eligibility and credit score improvement (education only).

2. Personal data we may collect

• Contact details you submit (e.g., name, email address).
• Credit-related inputs you provide (e.g., self-reported credit score/summary, payment history details you choose to enter).
• Technical and usage data (e.g., IP address, device/browser information, pages visited, approximate location derived from IP).
• Cookies and similar terminal identifiers when applicable. These may be treated as personal-related information under the Act on the Protection of Personal Information depending on identifiability. (See Section 6.)

3. How we use personal data

We use personal data for purposes such as:

• Providing and improving the educational experience and content on our site.
• Responding to inquiries and communicating with you (including support).
• Maintaining security, detecting fraud/abuse, and troubleshooting.
• Measuring and improving site performance and user experience.

4. Legal basis and compliance (Japan)

We handle personal data in accordance with the Act on the Protection of Personal Information (Consolidated text as of April 1, 2023.). Where required, we provide appropriate notices and obtain necessary consent.

5. Sharing and disclosure

We may share personal data with:

• Service providers that process data on our behalf (e.g., hosting, analytics support), under appropriate contractual safeguards.
• Authorities when required by law or to protect rights and safety.

We do not sell your personal data.

6. Cookies and similar technologies (APPI notice)

We may use cookies or similar terminal identifiers to operate the site and understand usage. Because terminal identifiers can be treated as personal-related information under the Act on the Protection of Personal Information depending on identifiability, this page provides notice and we aim to handle consent appropriately.

You may be able to control cookies through your browser settings. If you disable cookies, some features may not work as intended.

7. International transfers

If personal data is processed outside Japan, we will take steps consistent with applicable requirements under the Act on the Protection of Personal Information to ensure appropriate protection.

8. Retention

We retain personal data only as long as necessary for the purposes described in this policy (or as required by law). Retention periods vary based on the nature of the data and purpose.

9. Your rights (Japan)

Under the Act on the Protection of Personal Information (Consolidated text as of April 1, 2023.), you may request disclosure, correction, deletion, and other rights subject to conditions and exceptions.

10. Security

We implement administrative, technical, and physical safeguards to help protect personal data against unauthorized access, loss, misuse, alteration, or disclosure.

11. Contact us

For privacy questions or requests regarding personal data, contact: