Oxygen Home Loans Pty Ltd (ACN 103 177 377) and its related bodies corporate (including but not limited to Oxygen Limited) and their franchisees, agents and brokers (Oxygen, we, our, us) respect the importance of protecting your privacy. We comply with our obligations under the Privacy Act 1998 (Cth) (Privacy Act), including the Australian Privacy Principles (APPs) concerning personal information of individuals.
We collect, hold, use and disclose your personal information so that we can perform our functions and activities and provide best possible customer service. Our collection, use and disclosure of your personal information will depend on our relationship with you, the circumstances of collection and the type of products and service you request from us. We may collect, hold, use and disclose your personal information for the following purposes:
Personal information is any information about you, from which you can be identified. We may collect your name, address, postcode, email address, date of birth, gender, employment, telephone number, property details, payment details and proof of identity such as your driver licence or passport number. We may collect additional personal information from you from time to time.
Personal information we collect about you may also include credit-related personal information. Credit-related information is information used and disclosed to assess your creditworthiness, assess your application for finance and manage that finance. The types of credit-related personal information that we collect about you may include your credit liability information, repayment history information, the type and amount of finance you are applying for, court proceedings, insolvency actions and credit worthiness.
We generally do not collect sensitive information about you, unless you provide it to us voluntarily. For example, when you interact with one of our agents or brokers, you may provide sensitive information such as racial or ethnic origin, sexual orientation, health information, religious or philosophical beliefs or political opinion and membership or affiliation information. You consent to us collecting sensitive information which you provide to us voluntarily. If we need to collect any sensitive information for a specific purpose, we will ask for your consent.
If you are an employee or prospective employee, we may need to collect sensitive information about you and you consent to us collecting this information. For example, personnel records may include sensitive information such as place of birth, racial or ethnic origin, criminal record, tax file number, disabilities and relationship information. Recruitment records may include employment history and experience, referees and other employment related information.
If you are a shareholder or prospective investor, we (or our agent) will collect certain details about you for registration purposes, such as your name, address, number of shares held, tax file number and bank account details.
You don’t have to give us all the information we request. However, if you do not provide us with some or all of the personal information required, we may not be able to provide you with the products and services or information you request, to the requested standard or at all, and you may also miss out on receiving valuable information about us and our products and services.
Where we can, we will collect information directly from you. We collect personal information when you:
As well as collecting information directly from you, there may be occasions when we may collect information about you from other people or organisations, including from companies in the Oxygen group. We may combine this information with information we already have about you to help us understand trends, attributes, behaviour and preferences. Where we receive information about you indirectly from third parties, we require that the third party has collected and shared that information in accordance with the Privacy Act.
Third parties we collect information about you from may include:
We also collect general information about you when you use our websites. This might include your geo-location, IP address, the browser and operating system you are using, and details of websites that IP address has come from, the pages accessed on our website and the next website visited.
Oxygen may disclose your personal information to our officers, employees, agents, brokers and contractors. Oxygen may also disclose your personal information between companies in the Oxygen group and to Oxygen franchisees that operate under the Oxygen brands, and each of their officers, employees, agents, brokers and contractors.
We may disclose your personal information to third parties in connection with our functions and activities, including:
We may also disclose personal information to our suppliers and service providers that provide products and services to us in connection with our functions and activities, including third parties who:
Some of the third parties we disclose your personal information to may have servers located overseas in various countries, including USA, Europe and Japan.
Oxygen may, from time to time, send direct marketing communications to you about us and our products and services, our property listings and other material that we consider you would find interesting or useful. If you do not wish to receive such direct marketing communications, you can always opt out. If you are receiving email communications from us, there will be a mechanism to opt out contained in each of those emails. To stop receiving other communications from us, you can contact us via any of the channels listed below.
If you choose to opt out of all direct marketing communications, please note that Oxygen may still contact you for other reasonable purposes, including information that Oxygen is legally required to send, notifications of changes to Oxygen products and services or policies and information regarding the use, rights, benefits or obligations of customers of our products and services.
Oxygen holds your personal information both electronically, on our own servers and those of our service providers, and in hard copy at our secured offices.
Oxygen takes the security of your personal information seriously and we implement a range of technical, administrative, personnel and physical measures to safeguard your personal information against loss, interference and unauthorised access, modification and disclosure, and misuse, including using electronic and physical access restrictions to files containing personal information and ensuring encryption of personal information sent and received.
It is important to us that the information we hold about you is up-to-date, accurate and complete, and we will try to confirm your details through our communications with you and promptly add updated or new personal information to existing records when we are advised. If any of your details change, please notify us as soon as you can. If you believe we are holding information about you that is inaccurate, incomplete, irrelevant or misleading, you can ask us to correct it, or delete it altogether.
If you would like to access your personal information, or ask us to update, correct or delete it, you can do so by contacting us in writing and verifying your identity. We will do our best to respond to your request within 30 days.
We will only refuse access in exceptional circumstances, and if this is the case, we will advise you of our reasons for doing so.
We may charge a fee for searching for, and providing access to, your information on a per request basis.
We take your complaints seriously and will attempt to resolve your issue quickly and fairly.
If you believe that Oxygen has breached the APPs, or you have a complaint about how we handle your personal information:
On or before 31 October 2018, please refer the complaint to the Credit and Investments Ombudsmen (CIO):
From 1 November 2018, please refer the complaint to the Australian Financial Complaints Authority (AFCA):
This is a free service which provides you with an independent mechanism to resolve certain complaints.