Privacy Policy

Last updated: 29 November 2024

 

This privacy policy outlines how Oxford Finance Limited (“we”, “us”, “our”), collect, hold, use, and share your personal information. “Personal information” is information about you as an individual.

We take your privacy seriously and comply with all applicable privacy laws, including the Privacy Act 2020.

 

Information we collect 

We collect personal information that you provide to us directly, including when you interact with our personnel or contact us (by email, phone, through social media or otherwise), and when you use our websites.

Sometimes, we may collect your personal information from sources other than you.  These include publicly available sources (such as the New Zealand Motor Vehicle Register operated by Waka Kotahi NZ Transport Agency), our group companies and where we have your consent, other third parties such as intermediaries, motor vehicle dealers, credit reporting agencies, insurance companies, finance brokers and other Government Departments as required.

From time to time we may need to obtain information regarding names and addresses of registered owners, vehicle information and history from NZ Transport Agency (Waka Kotahi), to be used for the purpose of verifying ownership details of a vehicle. You have the right to notify Waka Kotahi if you do not wish to have your names and address made available under an authorisation. Oxford holds an Authorisation from Waka Kotahi under section 241(1) of the Land Transport Act 1998.

The types of personal information we collect from you will depend on the nature of our interactions with you and the circumstances in which your personal information is collected.  The personal information we collect from you may include:

  • your name, address, email address, age, gender and other contact details;
  • billing and payment information;
  • driver’s licence/Passport information;
  • information related to creditworthiness;
  • insurance information;
  • financial information;
  • biometric data and images;

If you choose not to provide us with any personal information that we ask for, we may not be able to respond to your requests or answer your enquiries or provide you with our products and services.

 

Web measurement tools and cookies 

We use web measurement tools, including cookies, to give us insights into how you are using our websites. This information is anonymised but we do identify your browser. We use this information to improve your user experience when you are using or browsing our websites and for security.

You can change the settings on your browser to disable cookies while you are using our websites.

 

What we use your information for 

We may use your personal information to:

  • provide you with our products and services;
  • respond to your requests, answer your enquiries and communicate with you;
  • tell you about our products and services or the products and services of our group companies that you might be interested in, including, where we have your consent, by sending you messages via email and text message;
  • send you newsletters and customer surveys post-sale;
  • improve our products and services
  • conduct market research and statistical analysis;
  • consider your application for an account or services, to verify your identity and assess your creditworthiness and financial position;
  • collect amounts you owe us, including taking enforcement action;
  • exercise our rights and fulfilling our obligations under any agreement with you;
  • for any other purpose that we notify you of when collecting your personal information; and
  • for any purpose required or authorised by law.

We generally record inbound and outbound telephone calls for operational purposes such as complaint handling and reporting, quality assurance, and staff training.

 

Sharing your personal information 

We may share your personal information with:

  • our service providers and suppliers;
  • our parent company, Turners Automotive Group Limited;
  • our group companies;
  • Finance brokers and other intermediaries, but only if you have consented to us sharing your information with them;
  • identity verification agencies and credit reporting agencies;
  • any other party or type of party that we notify you of when collecting your personal information; and
  • government agencies and regulators, or anyone else, if we are required to share that information for the purposes of complying with applicable law and regulations.

 

Security 

We ensure the personal information we hold about you is protected against misuse and unauthorised access, disclosure or alteration by reasonable security safeguards.

However, when you use our websites, there may be links to other third-party internet sites. Please be aware that your use of such third-party sites will not be subject to the terms of this Privacy Policy.

 

Your rights 

You can ask for us access to, and request correction of, the personal information we hold about you by contacting us at Customerservices@oxf.co.nz. We will respond to your request in accordance with the requirements and processes set out in the Privacy Act 2020.

 

Changes to this Privacy Policy 

We may change this Privacy Policy at any time and if we do, we will post the updated policy on our website.