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    Sewells Group is a global consulting and outsourcing firm which specialises in the automotive retail industry.

    We operate across the Asia Pacific, Africa and the Middle East regions.  We are in the business of improving the performance of individuals and organisations engaged in automotive retail. Our in-depth subject matter expertise in this area and our deep engagements with many leading automotive brands make us a leader in our business.

     
    • PERFORMANCE &
      DEVELOPMENT GROUPS

      Peer-group forums where dealers are able to identify the financial drivers, processes and practices which lead to superior business results.

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      DEALER BUSINESS
      CONSULTING

      Sewells Group offer a consulting service which matches the expertise and competence of a Sewells Group consultant with a client’s specific needs.

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      MRA ANALYTICAL
      MODEL

      Sewells Group MRA model is a high level financial and performance analysis model which is used to analyse automotive retail performance and to guide strategic decision making.

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      MRA PERFORMANCE
      MODEL APP

      Sewells Group MRA Performance Model App is designed to support dealer management teams as they assess and interpret high level financial results, anywhere, anytime.

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    • eSOS REPORTING
      SYSTEM

      A fully integrated, secure web based data collection, analysis management tool designed exclusively for the retail automotive market and has proven its capability & capacity.

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      DEALER ACCOUNTING
      CONSULTING

      Dealers require meaningful financial information in order to make informed strategic decisions in their businesses, and to better achieve the BM model.

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      TRAINING NEEDS
      ANALYSIS

      The key to meaningful training and development interventions is the effective identification of training and development needs.

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      CURRICULUM
      DEVELOPMENT

      Developing integrated learning pathways enables learners to understand the road to competence and to plan their development requirements appropriately.

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    • TRAINING & DEVELOPMENT

      All motor dealers face the challenge of retaining and developing effective management and staff to allow them and the business to grow.

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      LEARNING ADMINSITRATION
      & MANAGEMENT

      Sewells Group recognises the importance of accurate and meaningful training and development data and can support clients with our admin support teams and our online learning management system.

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      TECHNICAL TRAINING

      We have a well evolved technical education and skill development offer for automotive OEM’s and their dealers.

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      STRATEGIC PARTNERSHIPS

      Sewells Group's strategic partnership with National Skills Development Corporation (NSDC) in India focuses on promoting skill development in Automotive Retail.

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    • PRODUCT & OTHER
      STRATEGIC INTERVENTIONS

      Training and development must support the OEM’s and dealers operational plans by preparing individuals for the introduction of new products and systems.

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      REWARD AND
      RECOGNITION

      Sewells Group works with clients to implement appropriate recognition and reward systems which are sustainable and become focal points for new entrants to achieve.

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      LEADERSHIP PROGRAMS

      Sewells Group leadership programs are designed to develop individuals to meet these challenges.

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      DEPARTMENTAL LEADERSHIP
      PROGRAM

      The departmental leadership programme is designed to equip participants with the knowhow and strategic tools to enable them to effectively drive departmental performance.

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    • ADVANCED DEALER
      MANAGEMENT PROGRAM

      Designed to equip delegates with the knowhow and strategic tools to enable future dealership managers to successfully achieve a balanced approach to leading and directing automotive retail operations.

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      PROCESS DESIGN

      Sewells Group assists clients to design the processes which will best serve their customers’ needs based on the businesses environment.

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      PROCESS
      IMPLEMENTATION

      Effectively designing processes is only the start. The challenge is to be able to implement and apply them consistently and effortlessly.

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      COACHING
      SUPPORT

      Sewells Group provides coaching support to a dealer implementing new processes or wishing to improve their performance with the current processes.

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    • iMANAGE PROCESS MANAGEMENT

      Tracking process activities is an essential step in sustaining and evolving process efficacy.

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      COMPLIANCE
      AUDITS

      Ensuring that your processes are compliant with the standards you have set is a key part of process efficacy.

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    VIDEOS

    • AutoVarsity
      Sewells Group MRA Performance Model - Interview with Paddy O'Brien
      Sewells Group MRA Performance Model - An Overview with Greg Strydom
      Sewells Group Social Media Insights - 3 Tips for Social Media Success
      Sewells Group Insights 2 - 5 Questions Dealers Should Ask About Social Media?
    • Sewells Group Insights 1 - 3 Key Issues for Modern Dealers
      Balancing the Business - 10 Minutes with Paddy O'Brien
      5 Questions Dealers Should Ask Themselves about Social Media
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    CURRENT CONVERSATIONS

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    LATEST INDUSTRY NEWS

    • MSX announcement
      Thursday 24th March 2016  02:13pm
      DETROIT, March 21, 2016 – MSX International (MSXI), a leading global business process outsourcing company, today announced it has acquired Australian-based Sewells Group, an automotive retail training, ...
      read more
      view article
    • China Car Sales Growth Slows Further
      Tuesday 12th January 2016  09:05pm
      SHANGHAI—China’s car sales in 2015 reached a new high but growth slowed and demand in the world’s largest auto market is expected to cool further this year. Vehicle makers sold 21.1 million ...
      read more
      view article
    • U.S. Auto Sales Likely To Spurt To Another Record, But Clouds Gather
      Tuesday 12th January 2016  09:03pm
      The Detroit Auto Show basked in the glory of news 2015 set a new record for U.S. sales and the expert consensus is for a new high to be set in 2016. But some forecasters get a bit nervous when faced with ...
      read more
      view article
    • Ferrari, Porsche gain from Australia car-sales boom
      Saturday 9th January 2016  09:02pm
      SYDNEY -- Ferrari and Porsche are among automakers benefiting from a booming Australian car market. Sales of new vehicles in Australia increased 3.8 percent to a record to 1.16 million last year, helped by a ...
      read more
      view article
    • Dec car sales up 8% on discounts, launches
      Saturday 2nd January 2016  09:00pm
      It was a delightful December for India’s top car makers — Maruti Suzuki and Hyundai — which, helped by new launches, year-end discounts and low fuel prices, drove industry sales volume up ...
      read more
      view article
    MSX announcement
    Thursday 24th March 2016  02:13pm

    DETROIT, March 21, 2016 – MSX International (MSXI), a leading global business process outsourcing company, today announced it has acquired Australian-based Sewells Group, an automotive retail training, dealer process improvement, and outsourcing enterprise. As a result, MSXI will extend Sewells Group services to its broad customer base in the Americas and Europe, and Sewells Group will leverage MSXI’s offerings for the Asia-Pacific, Africa and Middle East markets, forming a single, global, comprehensive services solution for automakers and their dealer networks. “The MSXI and Sewells Group partnership is a logical step for both businesses,” said Michael Boneham, executive chairman of Sewells Group. “There are tremendous opportunities ahead as the two organizations come together. We plan to align and synergize our products and services for the benefit of our esteemed customers and offer even greater value. Together, the two companies offer the most compelling global end-to-end service offering for the automotive industry across all aspects of retail network performance.”


    China Car Sales Growth Slows Further
    Tuesday 12th January 2016  09:05pm

    SHANGHAI—China’s car sales in 2015 reached a new high but growth slowed and demand in the world’s largest auto market is expected to cool further this year.

    Vehicle makers sold 21.1 million passenger cars—sedans, sport-utility vehicles and minivans—last year, up 7.3% from a year earlier, government-backed China Association of Automobile Manufacturers said on Tuesday. The growth compares a 10% rise in 2014 and a 16% gain in 2013.

    The association projected passenger-car sales this year would grow 7.8% to 22.76 million vehicles, helped by government purchase incentives for small cars, which make up nearly 70% of new-car sales.

    The auto manufacturers’ group warned that a halving of the 10% purchase tax in October could prompt car shoppers to buy now, leading to lower sales in 2017 in the absence of any new source of growth as the domestic economy cools.

    The manufacturers’ group also forecast total vehicle sales, including commercial vehicles, will rise about 7% to 26 million units this year from 24.6 million in 2015.

    In December, China’s car sales rose 18% from a year earlier, said the industry group, following a 24% rise in November and a 13% gain in October when the purchase-tax incentive went into effect.

    Xie Wei, a dealer in the central Henan province for Chevrolet and Hyundai Motor Co., said he is cautious about this year even as foot traffic recovered after the tax reduction. “Demand from first-time buyers is not strong as expected. I feel people are very worried about their jobs and income,” said Mr. Xie.

    Despite a series of stimulus policies including successive interest-rate cuts and a devaluation of the local currency, China’s economy is still heading to its lowest expansion rate in a quarter of century.

    “We are convinced the growth seen in recent months simply cannot last,” said Robin Zhu, a senior analyst at research firm Sanford C. Bernstein & Co. He cited a large buildup of inventory at dealerships in recent months, saying that it might pull back wholesale delivery growth.

    A recent survey by the China Automobile Dealer Association of more than 22,000 dealers showed that their average inventory level was 1.4 months of sales in November, up from 1.3 months in October. In China, analysts regard 1.5 as the “alert level” at which auto dealers should begin to be concerned about high inventory.

    Also, car prices, a key measure of demand, remain depressed. According to a study by Ways Consulting Co., a Guangzhou-based consulting firm focused on China’s automotive industry, discounts widened to 11.5% on average in the fourth quarter from 11% in the previous quarter.

    Major car makers reported slower growth for last year. General Motors Co. posted a 5.2% rise in its China sales, down from 12% in 2014.

    Over the same period, Toyota Motor Corp. ’s gain in China fell to 8.7% from 12.5%, and Ford Motor Co. ’s shrank to a 3% increase from 19% in 2014.

    Foreign car makers have been the biggest beneficiaries of China’s economic boom. They built more plants in China than anywhere else in the past decade, capitalizing on Chinese consumers’ taste for upscale products. Still, they had to cut prices and curtail production in China in the middle of last year when sales fell short of expectations.

    Even though the tax break has reaccelerated growth, foreign companies are cautious about projecting gains this year. GM and Ford said they anticipate continued growth in 2016, without providing a target. Toyota said it is aiming to sell just 2.7% more cars in China this year compared with last year.

    Chinese domestic car makers held a bright spot for 2015. Data show that sales of Chinese domestic car brands rose 15% from a year earlier to 8.7 million vehicles, beating the overall industry’s growth.

    The auto-manufacturers’ group projected China’s passenger car sales to grow 7.8% this year to 22.76 million vehicles, thanks to the tax break which will expire at the end of December. It forecast sales of total motor vehicles, including both passenger and commercial vehicles, will rise to 26 million units from 24.6 million units last year.


    U.S. Auto Sales Likely To Spurt To Another Record, But Clouds Gather
    Tuesday 12th January 2016  09:03pm

    The Detroit Auto Show basked in the glory of news 2015 set a new record for U.S. sales and the expert consensus is for a new high to be set in 2016.

    But some forecasters get a bit nervous when faced with predictions any further out, not least because the global economy seems to be fighting off another recession, while U.S. consumers will be facing a year of uncertainty as the presidential election gathers momentum. And improved long-distance sales predictions point to ominous pressure on profits, suggesting a return to the bad old days in 2007 and 2008 when more cars sold meant bigger losses.

    Meanwhile at the Detroit show, Lincoln reminded everyone that it is still a player at least in the U.S., when it showed the production-ready version of the new Continental . Luxury debutants dominated the headlines with the new Mercedes E class, Volvo S90, sports coupes like the Lexus LC 500 and Infiniti Q60, and the Audi A4 Allroad. Hyundai raised its presence in the premium end of the market too with its new Genesis luxury brand’s G90.

    GM was especially proud of its new electric Chevrolet Bolt, which has a claimed range of 200-miles and will reach customers at about the same time as Tesla’s mass market Model 3. Chevrolet also unveiled its Ford Focus fighter, the new Cruze. VW tried to win some friends back by showing the new Tiguan GTE concept, a plug-in hybrid version of the upcoming all-new compact SUV.

    All these new products will help drive the industry to new sales highs.

    “U.S. auto sales will approach 18 million in 2016 after setting an all time-high in 2015,” Standard & Poors said in a report. S&P said sales rose nine per cent in 2015 to 17.2 million, just six years after being mired in the depths of the Great Recession, said S&P analyst Nishit Madlani.

    Madlani cautioned though that some sections of the industry were already being hit by weakness in China and global economic fears.

    “There are some pockets of oversupply in the large and luxury segments as certain luxury automakers are trying to counter their weakness in foreign markets such as China. The recent dramatic decline in the Chinese stock market, which was spurred by a disappointing manufacturing report, and geopolitical tensions in the Middle East, which tend to lead to increased gasoline prices, remain headline risks to our forecast,” Madlani said.


    Ferrari, Porsche gain from Australia car-sales boom
    Saturday 9th January 2016  09:02pm

    SYDNEY -- Ferrari and Porsche are among automakers benefiting from a booming Australian car market.

    Sales of new vehicles in Australia increased 3.8 percent to a record to 1.16 million last year, helped by a property boom.

    Sales of Ferrari cars rose by 48 percent to 167 sales in 2015, while Porsche sales jumped to 4,090 from 2,812, according to a report released Wednesday by the Federal Chamber of Automotive Industries in Australia (FCAI).

    Demand for Audi, BMW and Mercedes-Benz brands also surged.

    The Reserve Bank of Australia, which has cut interest rates to record lows, last year found a strong link between home-price increases and rising car sales.

    Sydney house values climbed 12 percent last year, extending a three-year boom that has pushed the median price in Australia's largest city to A$935,000 ($670,000), according to CoreLogic.

    "People are looking at the value of their home," said Craig James, a senior economist at the securities unit of Commonwealth Bank of Australia. "Home prices have been recording good gains, so they've seen their wealth levels rising. That's also rationalizing their choice in going a little bit upmarket [in vehicle purchases]."

    "Property has been a driving force for us," said Herbert Appleroth, CEO of Ferrari for Australia and New Zealand. "It's people who are investing, it's the developers, it's the specialized trades who are also benefiting."

    A typical Ferrari costs between A$500,000 and A$550,000 and about 60 percent of last year's buyers had never owned one before, Appleroth said. Low borrowing costs have put Ferraris within reach of more people, he added.

    Toyota was the top selling brand in Australia last year with 17.8 percent of the market, followed by Mazda with 9.9 percent, Holden with 8.9 percent, Hyundai with 8.8 percent and Mitsubishi with 6.2 percent.

    Australia’s best-selling car in 2015 was the Toyota Corolla with 42,073 sales, FCAI said in a release.

    Reuters and Bloomberg contributed to this report


    Dec car sales up 8% on discounts, launches
    Saturday 2nd January 2016  09:00pm

    It was a delightful December for India’s top car makers — Maruti Suzuki and Hyundai — which, helped by new launches, year-end discounts and low fuel prices, drove industry sales volume up nearly eight per cent from the same period a year ago.

    Utility vehicles major Mahindra & Mahindra managed to stay in positive territory despite several of its models being impacted by diesel ban in Delhi/NCR.

    India’s largest car maker, Maruti Suzuki has reported a 13.5 per cent increase in domestic sales for December 2015, helped by launch of Baleno in October. The utility vehicle segment also grew for Maruti, helped by S Cross, launched in August. Maruti’s domestic sales in December was 111,333 units, the company said in a statement on Friday. Its domestic sales in the nine months ending December 2015 rose 13.9 per cent to 971,958 units.

    Car makers offer steep discounts in December to clear the stocks. December growth of eight per cent is significant because December 2014 was a high base month on apprehensions of the rollback in excise benefits. Car sales had grown by over 15 per cent in December 2014.

    Companies have also announced average price increase of two-four per cent from this month.

    Hyundai, the second-largest player, reported a stronger domestic sales growth of 28.8 per cent last month despite Chennai floods that led to production loss. The company’s domestic sales rose to 41,861 units in December, thanks to strong demand for Creta and Grand i10. “We couldn’t have asked for anything better. We have done domestic sales of over 40,000 units for last five months in a row,” said Rakesh Srivastava, Hyundai’s senior vice-president (sales & marketing).

    Ford has reported a 58 per cent increase in domestic sales during the month, helped by launches of Figo and Aspire.

    “Raining discounts, new products and improving sentiments have been major drivers for last month’s growth. We expect this growth trajectory to continue in 2016. New Products and differentiation strategies are going to be the key enablers for growth”, said Amit Kaushik, country head, JATO Dynamics, an international automotive consulting firm.

    Like most of 2015, December growth was led by handful of players only. Japanese car maker Honda did not announce December data but according to industry sources, sales declined by over 14 per cent. Toyota, another Japanese player, saw sales decline by 11 per cent. Toyota did not launch a new product in 2015. Tata Motors saw a 33 per cent decline in December. Bad times continue for German auto maker Volkswagen which was hit by a global diesel emission scandal in September. Its volume declined 37 per cent in December. GM also saw a sales dip of 20 per cent from December 2014.


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    PRIVACY COLLECTION STATEMENT

    Your information is being collected WorldMark Pty Ltd ABN 68 087 705 262 and its subsidiaries (collectively referred to as "WorldMark", "we", "our" or "us"). You can contact us by post at Attn: The Privacy Officer, WorldMark, 275 Canterbury Road, Canterbury Victoria 3126, by telephone on +61 3 8809 2700 or by email at privacyofficer@worldmark.com.au.

    We collect, use, hold and disclose your personal information (which includes your name, address, telephone number, postal address and other contact details) in order for us to answer your enquiry, book a service with us, for product warranty administration purposes, to provide our products and services to you and obtain payment for them and to otherwise do business with you.

    We will collect your personal information from you where possible (including when you deal with us via our website, contact us by telephone or email or speak with one of our representatives). If you provide us with the personal information of another person (such as a family member or business partner), you must make them aware of the matters contained in this privacy collection statement. If you choose not to provide your personal information to us, we may not be able to answer your enquiry or provide our products and services to you.

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    • use your personal information for marketing purposes, which may include presenting you with offers relating to our products and services in the future. You may opt out of receiving marketing information at any time. We may continue to send marketing material to you until such time as you opt out.

    We will otherwise collect, hold, use and disclose your personal information in accordance with our Privacy Policy, which sets out how you may access and correct the personal information that we hold about you and how to lodge a complaint relating to our treatment of your personal information.

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    WORLDMARK PRIVACY POLICY

    Protecting your privacy and personal information is important to WorldMark Pty Ltd ABN 68 087 705 262 and its subsidiaries (collectively referred to as “WorldMark”, “we”, “our” or “us”). Our subsidiaries as at the date of this Privacy Policy are listed below.

    This Privacy Policy provides information about the personal information that we collect, and the ways in which we use, disclose and store the personal information that you provide to us.  This Privacy Policy is in accordance with the Privacy Act 1988 (Cth) (“the Privacy Act”).

    Please read this Privacy Policy before you provide any personal information to us.  Your use of this website constitutes an acknowledgement that you have been made aware of our Privacy Policy.

    Personal information collected

    In accordance with the Privacy Act, we may collect the following kinds of personal information:

    • information that you provide for the purpose of an enquiry, booking a service with us or for product warranty administration purposes (this may include name, email address, telephone number, postal address, vehicle make and vehicle model); and
    • any other personal information that you provide to us.

    We may collect personal information from you when you:

    • book a service via our website;
    • enquire about a product or service via our website;
    • make a franchise application;
    • make an application for employment;
    • deal with us over the telephone;
    • sign up to our newsletters or other information publications;
    • sign up for an event or trade show;
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    • have contact with us in person.

    We may also collect personal information about you from our franchisees and dealerships that provide your personal information to us so we can provide goods and services to you.

    You do not need to provide any information to us unless you elect to do so.  However, if you choose not to provide certain types of personal information, we may not be able to provide the required services.

    Using and disclosing personal information

    We use the personal information you provide only for purposes consistent with the reason you provided it, or for a directly related purpose.

    We may use your personal information to:

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    • contact you to assist us to improve our products and services (eg surveys); and
    • administer this website.

    We may disclose your personal information to our service providers (such as specialized information technology companies and mail houses), agents, franchisees, contractors or related companies for these purposes. In this case, the service provider, agent, franchisee, contractor or related company will be obligated to use that personal information in accordance with the terms of this Privacy Policy.

    We will not disclose your personal information to overseas recipients.

    In addition to the disclosures reasonably necessary for the purposes identified above, we may also disclose your personal information:

    • if you have consented to that disclosure (for example at the time you provided to us your personal information); or
    • to the extent that we are required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend our legal rights.

    We will not sell, rent or trade your personal information to or with third parties. 

    Securing your personal information

    We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.

    We will store all the personal information you provide electronically on our secure services.

    We control access to information and transmission of information through the use of pre-authorised user accounts with restricted access privileges.  However, the transmission of information via the Internet is not completely secure and prone to error.  We will do our best to protect your personal information.  We cannot guarantee the accuracy or security of your personal information; any transmission is at your own risk.  Once we receive your information, we will use our best endeavors to use security features to try to prevent unauthorised access.

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    This website uses cookies to support administrative and content management functions and to store viewing preferences for website areas where website content display can be customised. However, no personal information is collected. 
    When you visit this website, we compile data that records and logs your visit with the following information collected strictly for statistical purposes only.

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    This information is analysed regularly to determine the website’s usage statistics. No attempt will be made to identify users.

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    We may provide hyperlinks or pointers to other websites maintained by third parties. The links to third party websites are provided for your convenience and information only. The content in any linked website is not under our control so we are not responsible for the content, including any further links in a third party site. If you decide to access any of the third party sites linked to this website, you do this entirely at your own risk.

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    Accessing the personal information which we have collected about you

    You may request at any time to access any personal information which we may have about you by contacting us.  We will provide you with the information you have requested (if required to under the Privacy Act) provided that you have:

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    If the information we previously collected from you is out of date or incorrect, you can contact us and we will correct it.

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    We may update this Privacy Policy by posting a new version on this website.

    You should check this website occasionally to ensure you are familiar with any changes.

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    If you would like any further information or wish to make a complaint, please contact our Privacy Officer.

    We will respond to any complaint as soon as possible but within 15 working days to let you know who is responsible for managing your complaint. We will try and resolve your complaint within 25 working days but if this is not possible we will let you know.

    Our Privacy Officer can be contacted at:
    WorldMark
    275 Canterbury Road
    Canterbury Victoria 3126
    Phone: +61 3 8809 2700
    Email: privacyofficer@worldmark.com.au

    WorldMark Pty Ltd Subsidiaries include (amongst others)

    • Ashley Group Pty Ltd
    • Autotech Group Australia Pty Ltd
    • Auto Klene Solutions Australia Pty Ltd
    • Code Red Marketing Pty Ltd
    • Complete Dealer Services Pty Ltd
    • Customers for Life (Aust) Pty Ltd
    • DB Marketing Solutions Pty Ltd
    • High Performance Corporation Pty Ltd (trading as Tint A Car)
    • Martin Energy Products (Australia) Pty Ltd (trading as MEP Films)
    • MotorOne Group Pty Ltd (trading as MotorOne)
    • MotorOne Group Pty Ltd (trading as AutoXtreme)
    • Motor Solutions Australia Pty Ltd
    • Prostream Australia Pty Ltd
    • Protech Vehicle Protection Pty Ltd
    • Secure Fleet Pty Ltd
    • Seriti Australia Pty Ltd
    • Sewells Australia Pty Ltd
    • Smart Guys Pty Ltd
    • Solartint Australia Pty Ltd
    • Sunscreen Australia Pty Ltd
    • Ultimate Business Systems Pty Ltd
    • Worldmark Insurance Pty Ltd

    WorldMark Privacy Policy – November 2015

    PRIVACY COLLECTION STATEMENT

    Your information is being collected WorldMark Pty Ltd ABN 68 087 705 262 and its subsidiaries (collectively referred to as "WorldMark", "we", "our" or "us"). You can contact us by post at Attn: The Privacy Officer, WorldMark, 275 Canterbury Road, Canterbury Victoria 3126, by telephone on +61 3 8809 2700 or by email at privacyofficer@worldmark.com.au.

    We collect, use, hold and disclose your personal information (which includes your name, address, telephone number, postal address and other contact details) in order for us to answer your enquiry, book a service with us, for product warranty administration purposes, to provide our products and services to you and obtain payment for them and to otherwise do business with you.

    We will collect your personal information from you where possible (including when you deal with us via our website, contact us by telephone or email or speak with one of our representatives). If you provide us with the personal information of another person (such as a family member or business partner), you must make them aware of the matters contained in this privacy collection statement. If you choose not to provide your personal information to us, we may not be able to answer your enquiry or provide our products and services to you.

    We may:

    • collect personal information about you from third parties (including our franchisees, dealerships or related companies), but will take reasonable steps to ensure that you are aware of the matters contained in this privacy collection statement;
    • disclose your personal information to our related parties, franchisees, dealerships, contractors and agents, to government bodies and regulatory authorities where required or authorised by law and also to our service providers (including information technology companies and mail houses) and professional advisors; and
    • use your personal information for marketing purposes, which may include presenting you with offers relating to our products and services in the future. You may opt out of receiving marketing information at any time. We may continue to send marketing material to you until such time as you opt out.

    We will otherwise collect, hold, use and disclose your personal information in accordance with our Privacy Policy, which sets out how you may access and correct the personal information that we hold about you and how to lodge a complaint relating to our treatment of your personal information.