Terms and conditions

PRIVACY POLICY

GENERAL

1.1 William Morgan Group, composed of North Oxford Ltd and Wollaston Motors Ltd together with any group companies (“we” “us” “our”) are committed to protecting and respecting your privacy. For the purposes of data protection legislation, we are the data controller and we will process your personal data in accordance with the General Data Protection Regulation (EU) 2016/679 and national laws which relate to the processing of personal data. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

VISITORS TO OUR WEBSITE

2.1 Our website is jointly owned and operated by BMW Group and you can access their Privacy Policy here https://www.bmw.co.uk/global/privacy-policy. Any information collected on this website will be shared between BMW Group and us and we may process in the following circumstances:

2.1.1 when you complete forms on our website (“Site”). This includes name, address, telephone number and email address which is provided at the time of registering to use our Site, where you ask us to contact you about our goods or services, subscribe to our mailing list, or subscribe/request or goods or services;

2.1.2 whenever you provide information to us when reporting a problem with our Site, making a complaint, making an enquiry or contacting us for any other reason. If you contact us, we may keep a record of that correspondence;

2.1.3 details of your visits to our Site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise, and the resources that you access (see section 2.2.2 on Cookies below);

2.1.4 whenever you disclose your information to us, or we collect information from you in any other way, through our Site.

2.2 We may also collect data in the following ways:

IP Address

2.2.1 We may collect information about your device, including where available your Internet Protocol address, for reasons of fraud protection. We may also collect information about your device’s operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

Cookies

2.2.2 Our Site uses cookies to distinguish you from other users of our Site. This helps us to provide you with a good experience when you browse our Site and also allows us to improve our Site. For detailed information on the cookies we use and the purposes for which we use them see the BMW Group Cookie Policy displayed on the site.

2.3 We may use your personal data for our legitimate interests in order to:

2.3.1 provide you with information, or services that you requested from us;

2.3.2 allow you to participate in interactive features of our Site, when you choose to do so;

2.3.3 ensure that content from our Site is presented in the most effective manner for you and for your device;

2.3.4 improve our Site and services;

2.3.5 process and deal with any complaints or enquiries made by you; and

2.3.6 contact you for marketing purposes where you have signed up for these (see section 7 for further details).

Website Links

2.4 Our Site may, from time to time, contain links to and from the websites of third parties.            

Please note that if you follow a link to any of these websites, such websites will apply different terms to the collection and privacy of your personal data and we do not accept any responsibility or liability for these policies. When you leave our Site, we encourage you to read the privacy notice/policy of every website you visit.

CUSTOMERS

3.1 We will collect details such as name, address, email, telephone number, and where you request finance we will collect your bank details, national insurance number, employment information, marital status and other information which we will provide to our finance partners, when you order goods or services from us either via our Site, over the telephone or in person at one of our centres. We will use this information to process your order and comply with our contractual obligations.

 3.2 In order to perform our contract with you, we may also need to share personal data with third parties such as finance providers, insurance companies and other third parties to assist in the delivery of goods or services you have ordered. The following third parties are examples of these companies we may need to share your data with in order to assist you, this list is non exhaustive; CITnow, Cooper Solutions, AIG, AXA Insurance Company, Accident Exchange, British Car Auctions, BMW Financial Services, BMW, Alphabet. On occasion, we may provide your data to mailing houses and email marketing platforms where the law allows them to send you information on our behalf.

3.3 We may also advertise your feedback on our website and marketing materials (subject to obtaining your prior consent where necessary);

3.4 Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legitimate interest, contractual obligation, legal, accounting, or reporting requirements, and we will review this from time to time. In any event this will not usually exceed six years from our last engagement after which the personal information will be securely destroyed. Under some circumstances we may anonymise your personal data so that it can no longer be associated with you. We reserve the right to use such anonymous data for any legitimate business purpose without further notice to you or your consent.

Where you have subscribed to receive marketing correspondence from us we will keep your personal data for the period of time described in section 7 below. 

SUPPLIERS

4.1 We will collect details such as names, email addresses, telephone numbers and bank details in order to contact you about goods or services ordered with you, to place further orders and to pay you for the goods and/or services supplied. We will keep the personal data for 6 years further to being provided with the goods/services.

IF YOU FAIL TO PROVIDE PERSONAL DATA

5.1 Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide the data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example to provide you with our goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.

MARKETING

6.1 In addition to the uses described in sections 2-4 above, where you indicate you would like to receive marketing correspondence from us, subscribe to our mailing lists or newsletters, enter into any of our competitions or provide us with your details at networking events we may use your personal data for our legitimate interests in order to provide you with details about our products, services, offers, events and business updates which we think may be of interest.

6.2 You have the right to opt-out of receiving the information detailed in section 7.1 at any time. To opt-out of receiving such information you can:

6.2.1 tick the relevant box situated in the form on which we collect your information; or

6.2.2 inform the member of our team who is processing your order;

6.2.3 update your marketing preferences by following the link contained in any such communication received; or

6.2.4 email us at marketing@williammorgangroup.co.uk or call 01604 232000 providing us with your name and contact details.

6.3 Where you have subscribed to receive marketing correspondence from us we will keep personal data for up to 6 years from your last contact with us.

6.4 We may share your details with BMW Group Companies for marketing purposes. To unsubscribe from these please email marketing@williammorgangroup.co.uk

MONITORING AND RECORDING

7.1 We may monitor and record communications with you, such as telephone communications and emails, for the purpose of quality assurance, training, fraud prevention and compliance. We also have CCTV cameras installed in our premises for the purpose of crime prevention and for health and safety reasons. We retain email and call recordings for 90 days and CCTV recordings for 6 months. 

AUTOMATED PROCESSING

8.1 We do not undertake automated decision making with your personal data We may from time to time review our database using automated processes for our legitimate businesses Interests.        

LEGAL BASIS FOR PROCESSING YOUR PERSONAL DATA

9.1 We will only use your personal data where the law allows us to. Most commonly, we will use your personal data in the following circumstances:

9.1.1 for performance of a contract we enter into with you;

9.1.2 where necessary for compliance with a legal or regulatory obligation we are subject to;

9.1.3 to protect your interest in the event there is a product safety notification or recall; and

9.1.4 for our legitimate interests (as described within this policy) and your interests and fundamental rights do not override these interests.

DISCLOSURE OF PERSONAL DATA to third parties

10.1 In addition to the third parties mentioned above, we may disclose your information to third parties for our following legitimate interests as follows: 

10.1.1 to staff members in order to facilitate the provision of goods or services to you;

10.1.2 to our affiliated entities to support internal administration;

10.1.3 IT software providers that host our website and store data on our behalf;

10.1.4 professional advisers including consultants, lawyers, bankers and insurers who provide us with consultancy, banking, legal, insurance and accounting services;

10.1.5 HM Revenue and Customs, regulators and other authorities who require reporting of processing activities in certain circumstances; and

10.1.6 third parties who we may choose to sell, transfer or merge parts of our business or assets. Alternatively, we may seek to acquire other business or merge with them. If a change happens to our business then the new owners my use your personal data in the same way as set out in this privacy policy. 

10.2 We may disclose personal data to the police, regulatory bodies, legal advisors or similar third parties where we are under a legal duty to disclose or share personal data in order to comply with any legal obligation, or in order to enforce or apply our
website terms and conditions and other agreements; or to protect our rights, property, or safety of our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.

10.3 We will not sell or distribute personal data to other organisations without your approval.

CROSS-BORDER DATA TRANSFERS

11.1 We will not transfer your personal data outside the European Economic Area.

DATA SECURITY

12.1 Where we have given you (or where you have chosen) a password which enables you to access certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

12.2 Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your information transmitted to our Site; any transmission is at your own risk.

12.3 Information you provide to us is shared on our secure servers. We have implemented appropriate physical, technical and organisational measures designed to secure your information against accidental loss and unauthorised access, use, alteration or disclosure. In addition, we limit access to personal data to those employees, agents, contractors and other third parties that have a legitimate business need for such access.

ACCESS TO, UPDATING, DELETING AND RESTRICTING USE OF PERSONAL DATA

13.1 It is important that the personal data we hold about you is accurate and current.  Please keep us informed if the personal data we hold about you changes. 

13.2 Data protection legislation gives you the right to object to the processing of your personal data in certain circumstances or withdraw your consent to the processing of your personal data where this has been provided. You also have the right to access information held about you and for this to be provided in an intelligible form. If you would like a copy of some or all of your personal information, please send an email to katie.harmer@williammorgangroup.co.uk In certain circumstances we reserve the right to charge a reasonable fee to comply with your request.

13.3 You can also ask us to undertake the following:

13.3.1 update or amend your personal data if you feel this is inaccurate;

13.3.2 remove your personal data from our database entirely;

13.3.3 send you copies of your personal data in a commonly used format and transfer your information to another entity where you have supplied this to us, and we process this electronically with your consent or where necessary for the performance of a contract; or

13.3.4 restrict the use of your personal data.

13.4 We may request specific information from you to help us confirm your identity and your right to access, and to provide you with the personal data that we hold about you or make your requested changes. Data protection legislation may allow or require us to refuse to provide you with access to some or all the personal data that we hold about you or to comply with any requests made in accordance with your rights referred to above. If we cannot provide you with access to your personal data, or process any other request we receive, we will inform you of the reasons why, subject to any legal or regulatory restrictions.

13.5 Please send any requests relating to the above to our Data Lead Katie Harmer, Group Business Compliance Officer, katie.harmer@williammorgangroup.co.uk 01604 232000 specifying your name and the action you would like us to undertake.

RIGHT TO WITHDRAW CONSENT

14.1 Where you have provided your consent to the collection, processing and transfer of your personal data, you have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, please contact us at marketing@williammorgangroup.co.uk.

CHANGES TO OUR PRIVACY POLICY

15.1 We reserve the right to update this privacy policy at any time, and any changes we make to our privacy policy will be posted on this page. We will notify you if there are any changes to this policy that materially affect how we collect, store or process your personal data. If we would like to use your previously collected personal data for different purposes than those we notified you about at the time of collection, we will provide you with notice and, where required by law, seek your consent, before using your personal data for a new or unrelated purpose. We may process your personal without your knowledge or consent where required by applicable law or regulation.

CONTACT US

16.1 We have appointed a Data Lead to oversee compliance with this privacy policy. If you have any questions, comments or requests regarding this policy or how we use your personal data please contact our Data Lead at Katie Harmer, Group Business Compliance Officer, katie.harmer@williammorgangroup.co.uk 01604 232000. This is in addition to your right to contact the Information Commissioners Office if you are unsatisfied with our response to any issues you raise at https://ico.org.uk/global/contact-us/

 

Last updated: 8 October 2021.

COMPANY INFORMATION

Registered Name: William Morgan BMW Group

Company Registered Number: 708410

Place of Registration: England

Registered Office Address: Bedford Road, Northampton, Northamptonshire, NN1 5SZ

VAT Number: GB 120 7632 03

Email Address: customer.information@bmw.co.uk

FCA Status Disclosure:

William Morgan BMW Group is authorised and regulated by the Financial Conduct Authority for regulated consumer credit activities (limited permissions) and is an appointed representative for general insurance mediation of South Quays Limited which is authorised and regulated by the Financial Conduct Authority. William Morgan BMW Group is a Credit Broker and not a lender.

WILLIAM MORGAN GROUP LTD. TAX STRATEGY  

Background and Scope

In accordance with Schedule 19, Finance Act 2016, William Morgan Group Ltd and its subsidiary undertakings (“the Group”) sets out below its tax strategy. This document will be reviewed annually and updated as appropriate. For the purposes of the Group’s tax strategy, tax is defined as all forms of direct and indirect tax charges or levies, and applies to all UK entities within the Group.

This version relates to the financial year end 31st December 2022 and was approved by the board of Directors on 17 May 2023, subsequently published on 19 May 2023.

Strategic Aim

William Morgan Group Ltd is a UK automotive retail and after sales business operating in Oxfordshire and Northamptonshire. The Group pays a range of taxes including Corporation Taxes and Employment Taxes. We also collect indirect taxes such as VAT and Excise Duties.

The Group’s strategic aim is to pay the right amount of tax, at the right time, and to comply with tax legislation and reporting requirements in the UK. We consider the right amount of tax to be the amount calculated as payable according to legislation in force at that time and which results from a careful evaluation of the particular facts and circumstances.

Governance in relation to UK taxation

The ultimate responsibility for the Group’s tax strategy and compliance rests with the Group’s Board of Directors.  The Board’s requirement to monitor the integrity of the Group’s financial reporting system, internal controls and risk management framework, expressly includes those elements relating to taxation.

The Group Finance Director is the Board member with executive responsibility for tax matters and fulfils our Senior Accounting Officer responsibilities. Reports are made to the Board on the Group’s tax affairs and risks during the year. The Group Finance Director is supported by the Group’s finance team, which is staffed with appropriately qualified individuals.  The Board ensures that the Group’s tax strategy is one of the factors considered in all investments and significant business decisions.

General approach and use of Third Party advisers

The Group is a responsible taxpayer committed to compliance with tax laws and regulations.  It is the Group’s policy to comply with HMRC Laws, rules and regulations concerning all forms of taxation while taking advantage of accepted and efficient practices for minimising the cost to the business.

The Group manages the tax risk by ensuring that only suitably experienced staff are responsible for tax matters. Internal controls are reviewed regularly, and checks are performed monthly to ensure tax liabilities are correctly recorded. Staff attend taxation update courses with third party professional advisers to ensure that the Group are up to date with changes in taxation law and regulations.

The Group involves third party professional advisers in the submission of corporate tax returns and review of its systems, processes and controls.

Tax Risk and Attitude towards Tax Planning

The Group has a low tolerance to tax risk and therefore actively seeks to minimise the risk in relation to Taxation. The Group utilises available incentives and reliefs within the UK Tax legislation, such as capital allowances, and takes specific external advice to ensure our compliance in these areas. The Group does not take part in any tax avoidance schemes or artificial tax arrangements. 

To minimise risk in relation to the Group’s taxation compliance we will on occasion seek specialist advice from the taxation department of our auditors as and when appropriate.

To fulfil our commitment to pay the right amount of tax at the right time, and to comply with tax legislation and reporting requirements in the UK, we ensure that we have the effective procedures, processes and controls in place to minimise the risk of non-compliance. These processes and controls are tested on a regular basis. If errors or weaknesses are identified, the potential impact is assessed, and our processes amended. Tax implications are considered and any required adjustments would be made and disclosed to HMRC as appropriate.

Relationship with HMRC

The Group approaches all dealings with HMRC in an open and transparent way. We are committed to addressing any tax enquires or audits with HMRC promptly and resolving these in an open and constructive manner.

All tax related returns are submitted on due dates and any information requests are responded to in a timely manner.  Should a disagreement over tax arise, we would endeavour to work in an open and collaborative manner with HMRC to seek to resolve the matter by agreement where possible.

We will not undertake tax planning we consider might adversely impact our relationship with HMRC or reputation with our stakeholders. 

 

Approved by: William Le Fevre, Managing Director

COMPLAINTS PROCEDURE

BMW (UK) Limited (BMW) is committed to providing products and service of the highest standard. But we do understand that sometimes things can go wrong. If you have a concern or are dissatisfied in any way, we’ll do our best to help resolve the situation in a fair and transparent way.

BMW will investigate all complaints competently, diligently and impartially obtaining additional information as necessary. Every complaint will be assessed fairly, consistently and promptly taking into account all relevant factors to ensure a fair outcome for you.

Step 1: Discussion with your BMW Centre.

If you have a concern with either your vehicle or the service you have received at your BMW Centre, please firstly raise this with the Service Manager or Head of Business at the BMW Centre itself. They are best placed to address your concerns and if required, will contact us directly on your behalf.

Step 2: Contact us.

Should you remain unhappy with your BMW Centre’s response, please contact us by your preferred method from the list below.

Write to us at:
Customer Service
BMW (UK) Limited
Summit ONE
Summit Avenue
Farnborough
Hampshire
GU14 0FB

Call us on: 0370 5050 160
Calls are charged at the local rate, plus your phone company's access charge.

We're here: 8am - 7pm Monday to Friday

Email us at: customer.service@bmw.co.uk

What you will need to provide.

To help us investigate and try to resolve your complaint, please provide us with the following information:

• your name and address;
• details of how we can contact you;
• a clear description of your complaint;
• details of what you would like us to do to rectify the situation; and
• if appropriate, copies of any relevant supporting documentation.

Our commitment to you.

We’ll thoroughly investigate your complaint and offer a fair response that will take into account all the information available to us.

We will do our best to resolve your complaint quickly, sending a Summary Resolution Letter if your complaint can be resolved by close of the third business day following receipt. If your complaint relates to our credit broking activities and cannot be resolved by close of the third business day, we will:

• within 5 working days, provide a written acknowledgement of your complaint and give you the details of who is handling the case and how to contact them
• keep you updated on the progress of your complaint, and
• within 8 weeks of receiving your complaint, we will either: write to you with our final response and the reasons for providing this response, or explain why we are not in a position to give you a final response and let you know when we expect to be able to provide it.

In some cases we’ll need to contact your BMW Centre for more information. If appropriate, we may refer the complaint directly to them for information or action.

We may not always provide the answer you are looking for, but we’ll make sure we offer a clear explanation for our decision.

Financial Services

If your complaint relates to a finance agreement with BMW Financial Services, please click below for details on BMW Financial Services’ complaint handling procedure.

Find out more

 

Step 3: What if I remain unhappy with your response?

If you are dissatisfied with either our final response, or the reasons for any delay in providing our final response you may be able to ask the Financial Ombudsman Service for an independent review.

To be able to ask them for an independent review your complaint must be in relation to our credit broking activities that is to say any marketing material or recommendations we make in relation to any finance offers from MINI Financial Services, a trading name of BMW Financial Services (GB) Limited, and you must have given us the opportunity to find a resolution first. You must also be a private individual, or a business, charity or trust with an annual turnover of less than 2 million euros and fewer than 10 employees.

If you wish to pursue your complaint to the Financial Ombudsman Service you must do so within 6 months from the date on which we send you our final response letter.

The Financial Ombudsman’s details are:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone: 0800 0234 567

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

You may also raise a complaint with any of the trade bodies listed below.

THE MOTOR OMBUDSMAN.

The Motor Ombudsman is the UK's government-backed, self-regulatory body for the motor industry.

Fully-impartial, it is the first ombudsman to be focused solely on the automotive sector, and self-regulates the UK’s motor industry through its comprehensive Chartered Trading Standards Institute (CTSI)-approved Codes of Practice. BMW is accredited to the Motor Industry Code of Practice for New Cars.

Over 7,500 businesses, are accredited to one or more of the Codes covering new cars, sales, vehicle warranties and servicing and repair. These drive even higher standards of work and service, and give consumers added protection, peace of mind and trust during the vehicle purchase and ownership experience.

Address:
The Motor Ombudsman
71 Great Peter Street
London
SW1P 2BN

Telephone: 0345 241 3008

THE EUROPEAN COMMISSION’S ONLINE DISPUTE RESOLUTION SERVICE.

European legislation guarantees consumers:

• fair treatment;
• products which meet acceptable standards;
• a right of redress if something goes wrong.

To help ensure that companies meet the standards set by the European Parliament, consumers now have the right to address their complaint to the European Commission’s Online Dispute Resolution (ODR) Service. For full details please go to: https://ec.europa.eu/consumers/odr/