Joint Use of Merchant Information (Japan)

1. About the Merchant Information Exchange System

The Japan Credit Association (the "Association")  is certified by the Minister of Economy, Trade and Industry under the  provisions of Article 35-18 of the Installment Sales Act.

The Association conducts the collection, organization, and  provision of information necessary to protect the interests of users (credit  users) as part of its certified functions through the Merchant Information  Exchange Center (the "JDM Center").

2. Reporting and use of information collected from  merchants

Member companies of the Merchant Information Exchange  System ("JDM Members") collect and use the information specified in  "3.(2) Details of information jointly used" for purposes such as  merchant screening at the time of contract application, merchant review after  contract conclusion, actions taken against merchants, and examinations  related to continuation of transactions. This information is reported to the  JDM Center and jointly used by JDM Members.

3. Joint use of merchant information

(1) Purpose of joint use

In the Merchant Information Exchange System operated as  part of the certified functions prescribed under the Installment Sales Act,  information concerning acts by merchants that lack sufficient protection of  users (including suspected acts and acts for which determining applicability  is difficult), information necessary for protecting users, information  concerning acts by merchants that hinder the appropriate management of credit  card numbers and the prevention of fraudulent use (hereinafter referred to as  "appropriate management of credit card numbers"), and information  necessary for appropriate management of credit card numbers is reported by  our company to the JDM Center and jointly used by JDM Members. Through this  reporting and joint use, the aim is to improve the accuracy of screening  conducted by JDM Members at the time of merchant contract conclusion or  during the contract period, eliminate malicious merchants, promote  appropriate management of credit card numbers, and contribute to the sound  development of credit transactions and the protection of consumers.

(2) Details of information jointly used

1. Facts and reasons related to investigations necessary  for handling complaints concerning individual credit purchase intermediation  transactions involving the merchant
2. Facts and reasons related to the termination of  individual credit purchase intermediation contracts due to acts lacking user  protection
3. Facts and reasons related to investigations necessary  to ensure appropriate management of credit card numbers under credit card  number handling contracts
4. Facts and reasons concerning measures taken when such  measures do not meet, or may not meet, the standards prescribed in the  Installment Sales Act for appropriate management of credit card numbers  (including termination of credit card number handling contracts)
5. Objective facts relating to acts that caused unfair  damage to JDM Members or users in connection with acts deemed to lack user  protection (including suspected or difficult-to-determine cases)
6. Information reported by users (including those not  under contract) and information determined to constitute acts lacking user  protection (including suspected acts and cases where determining whether an  act occurred is difficult)
7. Information regarding acts by merchants that hinder  appropriate management of credit card numbers
8. Facts and content of matters published by  administrative authorities (including information published concerning  violations of the Act on Specified Commercial Transactions) as collected by  the JDM Center
9. Other information related to acts lacking user  protection
10. The merchant's name, address, telephone number, and  date of birth (or, in the case of a corporation, corporate name, address,  telephone number, corporate number, and the representative's name and date of  birth). However, for item 6 where determining whether an act occurred is  difficult, the name, address, telephone number, and date of birth (or  representative's name and date of birth for corporations) are excluded.

(3) Retention period

The information listed above in (2) is retained for no  longer than five years from the date of registration (or, for items 3 and 7,  from the date of completion of the related measures in item 4 or from the  date of contract termination registration).

4. Scope of joint users of merchant information

The jointly used merchant information is shared among  comprehensive credit purchase intermediaries, individual credit purchase  intermediaries, credit card number handling contract businesses, and the JDM  Center, all of which are Association members and JDM Members.

Note 1: JDM Members are listed on the Association's  website: http://www.j-credit.or.jp/

Note 2: This joint use is limited to domestic merchant  information and does not involve data sharing from other Nuvei Group  companies.

5. Inquiries and procedures for disclosure

For inquiries or requests for disclosure regarding the  Merchant Information Exchange System, please contact the JDM Center listed in  Section 6.

6. Administrator

Japan Credit Association, Merchant Information Exchange  Center (JDM Center)

Address: Sumisei Nihonbashi Koamicho Building, 14-1  Nihonbashi Koamicho, Chuo-ku, Tokyo

Telephone: 03-5643-0011 (main line)