Suruga Bank is not above the law.

Suruga Bank contended in the lawsuit that a bank can deny an account by its arbitrary policy. But the illegal bank gathered and used personal information. Personal Information Protection Act says that a bank is not allowed to use sensitive information. Suruga Bank knowingly and purposely used sensitive information. Following the lawsuit Suruga Bank was forced to repeal the arbitrary policy. In the lawsuit, Suruga Bank refused to disclose its arbitrary policy.

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