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The use of Oxipay’s websites, products and services are subject to the terms and conditions set out below. In this document, “Oxipay”, “we”, “us”, and “ours” refers to Oxipay Pty Ltd ABN 22 129 228 959.
At Oxipay we manage your personal information securely and consistently with relevant legislation, including the Privacy Act 1988 (Cth) ("Privacy Act"), the Australian Privacy Principles and the Credit Reporting Privacy Code (where applicable).
We will collect certain personal information about you depending on the circumstances in which the product or service is being provided. This can include the following types of personal information:
We will also need to collect personal information about you that relates to credit, including information such as account numbers or customer identifier numbers.
The Privacy Act has specific rules about two types of consumer credit related information that we may collect:
We collect and hold credit information but we do not collect credit eligibility information from CRBs.
In many circumstances, we will collect the above information primarily from you (or from someone who is representing or assisting you). However, there are certain instances in which we will collect information about you from third parties where it is unreasonable or impracticable to collect it directly from you. For example, where we need to verify information you have provided. Even where your application is for consumer credit, we may collect information about you from a business which provides information about commercial credit worthiness for the purpose of assessing your application.
Other third parties that we may collect your information from include:
One way of collecting information is through cookies. Cookies are small text files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Cookies allow us to recognize you when you return. They also help us provide a customized experience.
In many cases, the information we collect using cookies and other tools is only used in a non-identifiable way, without reference to Personal Information. For example, we use information we collect about website users to optimize our website and to understand website traffic patterns.
You can use Ads Settings to manage the Google ads you see and opt out of interest-based ads. Even if you opt out of interest-based ads, you may still see ads based on factors such as your general location derived from your IP address, your browser type and recent, previous searches related to your current search.
You can set preferences for how Google advertises to you using the Google Ad Preferences page.
We will hold your personal information in paper or other physical form but it is usually held in electronic form on our systems. Service providers may hold the information for us. Your personal information is protected by various physical, electronic and procedural safeguards. Where a service provider holds your information, we require those service providers to adhere to our approved standards of security and confidentiality to ensure the continuing protection of your personal information.
We train staff that handle your personal information to ensure that your personal information is handled appropriately. Our procedures ensure that your personal information is only made available to staff where necessary.
Personal information we collect about you will only be held, used and disclosed as is reasonably necessary for our business purposes and as permitted by law.
Purposes for which we will usually collect, hold, use and disclose your personal information, depending on the circumstances and the nature of the products and services you are obtaining from us, include:
Where the Privacy Act permits it, we may disclose your personal information for the purposes above to third parties including:
Some of these entities may not be located in Australia, and may not have an Australian link. For example, we employ service providers in countries such as the Philippines, New Zealand and Ireland.
In addition, some of the retailers we deal with may operate overseas. Therefore, when you ask us to make a payment to or to provide credit for a product or service from such a retailer, we will provide information to that retailer and also to banks and other financial institutions (who may also be overseas), who are involved in processing that payment. These entities are not our service providers, and we do not control how they manage your information.
Your consumer credit related information may be disclosed, where relevant, in any of the circumstances described above.
Although the Privacy Act permits us to disclose your credit information to CRBs for certain purposes, and to receive information from them, we do not do this. CRBs may include the information provided to them in their reports to other credit providers in order for them to conduct an assessment of your credit worthiness.
The CRB details are:
Dun & Bradstreet
Phone: 13 23 33
Address: D&B Public Access Centre, PO Box 7405, St Kilda, VIC 3004
Phone: 1300 762 207
Address: Veda Advantage Public Access, PO Box 964, North Sydney, NSW 2059
You are entitled to:
You can access the personal information that we hold about you.
You can request access to the personal information we hold about you subject to certain exceptions under the Privacy Act. You are entitled to specify how you wish to access your personal information, so long as this is reasonable and practicable. In order to access your personal information, please contact Oxipay on 1800 895 791 and request to speak to our Privacy Officer.
We verify the identity of anyone requesting access to personal information. This will ensure that we do not provide information to a person who does not have the right to access that information.
We ask that your request for information be as specific as possible so that we can accommodate your request. We will usually provide you with access within thirty (30) days of a request but in some circumstances it may take longer.
Please note, that under Australian law, we are entitled to refuse you access to your information in certain circumstances, including where:
We take every step that is reasonably practicable to ensure that the personal information we collect and hold is accurate, complete and up-to-date. The Privacy Act gives you the right to request correction of your personal information. If correction of your personal information is required, please contact Oxipay on 1800 895 791 and request to speak to our Privacy Officer.
In the event that we do not agree to your request for correction, we will give you notice of this outlining our reasons and what next steps you can take. You may also request us to associate a statement with that information to the effect that the information is inaccurate, out-of-date, incomplete, and irrelevant or misleading so that it is apparent to users of the information.
The Privacy Act gives you the right to make a complaint if you believe that we have not complied with our obligations under the Privacy Act. If you believe this to be the case, please contact Oxipay on 1800 895 791 and request to speak to our Privacy Officer.
We will aim to respond within seven (7) days of you making your complaint to acknowledge receipt of your complaint. It is our policy to investigate and resolve all complaints (where practicable) within thirty (30) days of receiving the complaint. Where it is a legal requirement to do so, then in the event we need more time to investigate and resolve your complaint, we will notify you as to the reasons why and seek your agreement to extend this thirty (30) day period (if you do not agree, we may then not be able to resolve your complaint).
Please note, where your complaint relates to your credit information, we may consult with third parties where necessary and as permitted under the Privacy Act, to investigate and resolve your complaint.
In the event your complaint is not handled satisfactorily by our Privacy Officer, please contact Oxipay on 1800 895 791 and request to speak to our Manager of Customer Services.
If you do not wish to receive offers unrelated to your Oxipay products and services, please contact us to “opt out”, via the details below.
Telephone Number: 1800 895 791
Fax: (08) 8223 7810
Oxipay Pty Ltd
GPO Box 1878
Adelaide, SA, 5000
Via the 'Support' page on our website