Privacy Statement and Policy

Capricorn Mutual is committed to your privacy. Our privacy policy complies with the Privacy Act 1988 and is based on the ten National Privacy Principles outlined in the Privacy Amendment (Private Sector) Act 2000. Your personal information is relevant to your application for membership and protections as well as the amount of your contributions or the assessment of any claims made by you or your personal representative.

Without the right information we may be unable to decide whether to protect you, the amount of your contributions or to assess a claim. If you do not provide the information that we request the Board may be unable to assess your application for membership or protections, and it may not be able to consider any application for protection made by you. The information we may collect includes:

(a) Your name, business address, ABN, home address, phone numbers, fax numbers and email addresses;

(b) Your date of birth;

(c) Information such as renewal dates, current premiums and levels of protection, annual payroll, annual turnover, gross profit and details of previous claims history; and

(d) Certain health details are needed to assess contributions and claims.

The information collected will help us to:

(a) Provide you with information on eligibility for membership of Capricorn Mutual;

(b) Provide quotes for your application for protection;

(c) Determine the cost of contributions and subscriptions;

(d) Provide an efficient claims management service;

(e) Assess and pay any claim for protection made by you or your personal representative; and

(f) Ensure Capricorn Society databases are accurate.

By providing Capricorn Mutual with your personal information you consent to its use for these purposes.

If you provide personal information about another person to Capricorn Mutual or one of the organisations assisting it, you must have that person's authorisation to provide their information and you must inform that person of Capricorn Mutual's identity, how it will use and disclose the information and that person's rights to access that information.

The information collected will be provided to organisations that will assist in deciding whether to protect you, the amount of your contributions or to assess a claim. We will ensure that these organisations have appropriate privacy procedures. These organisations include:

(a) CMM and its Employees

(b) Lawyers

(c) Assessors

(d) Repairers

(e) Advisers

(f) Loss Adjustors

(g) Brokers

(h) Medical Practitioners

(i) Reinsurers

(j) Capricorn Society; and

(k) Related Companies of Capricorn Mutual

We will take reasonable steps to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date. Members can access their personal information that we hold. There will be no charge to do this.

Our internal complaints procedure is designed so that we may formally attend to any complaint where you believe your personal information may have been incorrectly used or disclosed.

If you would like to obtain further information about our privacy policy or complaints procedure you can contact the Privacy Officer on +61 8 9334 0750 or by email: cmlcomplaints@capricornmutual.com.

Capricorn Mutual Limited Website

When you visit the Capricorn Mutual website, we may use an Internet browser feature called a cookie. A cookie is a small data file that is placed on the computer of a website user (usually in the browser software folder) the first time a user visits the website.

We may store cookies on the computers of all registered members who visit the Capricorn Mutual website; however, the cookies do not contain any personal information and are only used to facilitate access to the secure areas of the Capricorn Mutual website. If you do not wish to receive cookies you can set your browser to refuse cookies; however, this may mean that you are not able to take full advantage of the services the Capricorn Mutual website offers.