Canadian privacy laws define “personal information” broadly as information about an identifiable individual or information that allows an individual to be identified, including a person’s name, address, telephone number, birth date, income, licence plate number and credit history among others. In general, “personal information” does not include business contact information: your title or business address, telephone or facsimile number or e-mail address.
Oxford is responsible for protecting your personal information in our possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing, or to fulfill any of the other purposes identified in this Policy.
In general, we collect, use and disclose your personal information for one reason: to serve you better. Knowing you better helps us understand your needs, communicate effectively with you, and provide you with the services you want. More specifically, we may collect, use and disclose your personal information in order to fulfill the following purposes (the “Identified Purposes“):
In general, the collection, use and disclosure of your personal information depends on how you do business with us. More specifically, we may collect personal information about you from the following sources:
By disclosing personal information to Oxford or our service providers and agents, you are consenting to us collecting, using or disclosing your personal information in order to fulfill the Identified Purposes. We may verify your personal information, or obtain additional personal information about you by checking with credit bureaus and other fact collecting and verifying entities to assist us in fulfilling the Identified Purposes.
Your knowledge and consent are required before we may collect, use or disclose your personal information, except in special circumstances.
You may provide consent to us to use personal information in different ways (e.g., through brokers). Depending on the type of personal information collected from you, and the purpose for which the information is collected, your consent may be express or implied, and may be given orally or in writing.
We accept any of the following as your consent for Oxford’s existing use and future collection, use and disclosure of your personal information to fulfill the Identified Purposes:
You may refuse or withdraw your consent at any time subject to legal or contractual restrictions. Please note, however, that refusing or withdrawing your consent may affect our ability to provide you with the services that you receive or would like to receive. To refuse or withdraw your consent, you should contact our Privacy Officer at the address or telephone number listed.
Your personal information is retained only as long as is necessary to fulfill the Identified Purposes or as may be required to comply with applicable laws. Oxford shall use care when storing or destroying your personal information in order to prevent unauthorized access.
We try to ensure that the personal information we collect about you is accurate, complete and up-to-date. However, it is up to you to inform the Oxford representative with whom you are dealing, promptly, of a change of name, address, bank account number or other relevant personal information. If you believe that the personal information in our records may be inaccurate, let us know and we will correct it. If your personal information has been disclosed to third parties, we will convey the corrected information to them, if necessary.
Whether in electronic or paper-based format, Oxford has controls to maintain the security of operations and information systems. Physical access to those areas where information is gathered, processed or stored is restricted to authorized employees. Appropriate controls are in place over computer systems and data processing procedures and these controls are reviewed on an ongoing basis to ensure compliance with our security and privacy policies. When we no longer need your personal information, we destroy or erase it.
We require third parties who receive your personal information from us to have policies that meet our standards.
You have a right, subject to certain exceptions, to access your personal information in our possession or control. You also have a right to know which third parties have received your information from Oxford.
Please make your request in writing to Oxford’s Privacy Officer, stating as specifically as possible which personal information you are requesting.
We will try to respond to such requests as soon as possible, and will advise you if for some reason we cannot respond right away. There may be a charge for retrieving this information, in which case you will be notified in advance, and may, if you like, withdraw your request. You may also challenge the reasonableness of the charge.
For more information, to file a complaint, to make enquiries, or to opt out of all or parts of this Policy, please contact Oxford's Privacy Officer:
Mr. Gawain S.E. Smart
Royal Bank Plaza, North Tower
200 Bay Street
Toronto, Ontario M5J 2J2
Telephone: (416) 350-7829
Last updated: August 20, 2007
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