Basic Policy on the Protection of Personal Information (Privacy Policy)

Muninova Holdings Inc. (hereinafter the “Company”) respects the privacy of its customers and handles information that can identify specific individuals (hereinafter the “personal information”) with due care, based on its corporate philosophy of "Earn the trust of society through corporate activity based in integrity." The Company also complies with all applicable laws, regulations, and norms concerning personal information.

  1. Acquisition, Use, and Provision of Personal Information

  2. ・When acquiring personal information, the Company will specify the purpose of use as precisely as possible and acquire only the personal information necessary to achieve that purpose.

    ・Personal information will be used within the scope of the purposes of use specified by the Company(*). The Company will implement internal management measures to prevent the use of personal information for purposes other than those intended.

    ・Should the need for use beyond the specified purpose arise, the Company will obtain consent for the new purpose before using the information.

    ・When providing personal information to third parties, the Company will do so within the scope permitted by laws and regulations.


    3. *Purpose of Use of Personal InformationThe Company will use acquired personal information for the following purposes.


    1. Management control, internal control, and compliance activities for the Company and Muninova Group
    2. Planning, analysis, and oversight of personnel and labor management within Muninova Group
    3. Fulfillment of obligations under laws and regulations
    4. Handling shareholder rights exercises, shareholder management, and fulfilling procedures under the Companies Act and other relevant laws and regulations
    5. Communication, cooperation, and contract management with contractors, partners, and other related parties within the scope necessary for business operations
    6. Consideration and implementation of M&A, business reorganization, business succession, capital policy, and other related matters within the Company or Muninova group
    7. Other operations incidental to or related to the foregoing items
  3. Compliance with Laws, National Guidelines, and Other Norms (hereinafter the “Laws, etc.”)

  4. ・The Company strive to constantly understand the laws, national guidelines, and other norms related to businesses handling personal information. The Company ensures that such requirements are communicated to employees engaged in the Company’s operations (hereinafter referred to as “Employees”) and complied with.

  5. Security of Personal Information

  6. ・In order to prevent risks such as unauthorized access to personal information, leakage, loss, or damage of personal information, the Company establishes and maintains a system that implements appropriate organizational, physical, human, and technical security measures.

    ・The Company regularly inspects its handling of personal information and promptly corrects any violations or incidents identified, while also implementing preventive measures against potential vulnerabilities.

    ・The Company provides thorough education and training to Employees regarding the proper management of personal information.

  7. Complaints and Inquiries

  8. ・The Company has established a dedicated contact desk for inquiries concerning personal information in order to respond promptly and appropriately to complaints and consultations related to the handling of personal information.

  9. Continuous Improvement

  10. ・The Company conducts periodic audits regarding the handling of personal information and makes every effort to ensure the appropriate implementation of this Privacy Policy.

  11. Changes to the Privacy Policy

  12. ・The Company may revise the contents of this Privacy Policy without prior notice.
    Any revised Privacy Policy shall become effective when it is posted on this page or otherwise notified to the relevant individuals in accordance with the Company’s prescribed procedures.

＜Contact＞

381-1 Takasago-cho, Gojo-Agaru, Karasuma-Dori, Shimogyo-ku, Kyoto

Muninova Holdings Inc. Personal Information Inquiry Desk

https://www.muninova.co.jp/en/ir/investor/contact.html

Established on: April 1, 2026

Muninova Holdings Inc.

President and CEO Mitsuhide Fukuda

Personal information protection policies (Privacy Policy) of Group companies

For information on the privacy policy of our group companies, please refer to the link below.

AIFUL CORPORATION
LIFECARD CO., LTD.
AG Payment Service CO.,LTD
AG BUSINESS SUPPORT CORPORATION
AG MEDICAL CORPORATION
AG Crowdfunding Co.,Ltd.
AG Lending Corporation
AG Capital Co.,Ltd
AG Servicer Corporation
AG Partners Corporation
AG Smile Leaseback Corporation
Anshin Guarantor Service Co.,Ltd.
FPC Co., Ltd.
AG Solution Technology Corporation
Seven Seas Co., Ltd.
Liblock Inc.
Salop, Inc.
TEMPLATE co., ltd.
Smart Link co., ltd.
BitCash Inc.
AIRA AIFUL Public Company Limited
PT REKSA FINANCE

Basic Policy on Antisocial Forces

Muninova Holdings Inc. declares the following basic policy to prevent the damaging effects of antisocial forces.

  1. Muninova Holdings will have no relationship with antisocial forces of any kind.
  2. Muninova Holdings will cooperate with external specialist organizations such as the police, the National Center for Removal of Criminal Organizations, and lawyers, and respond in an organized and appropriate manner to prevent the damaging effects of antisocial forces.
  3. Muninova Holdings will reject any unreasonable demands made by antisocial forces and take legal responses in a resolute manner.
  4. Muninova Holdings will not finance or make any backdoor trades with antisocial forces.
  5. Muninova Holdings will ensure the safety of employees who deal with unreasonable demands made by antisocial forces.