Version 1.0. Effective 1 July 2026. Praxis Mutual.
1. About this policy
This Privacy Policy and Collection Statement describes how we handle personal information — including sensitive information such as health information — in accordance with the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles (APPs). It applies to Praxis Indemnity Insurance Pty Ltd and Praxis Mutual Ltd and to the services we provide to members and applicants.
2. What information we collect (APP 3 & APP 5)
We collect:
- Identity and contact details— name, date of birth, address, email, phone, and your AHPRA registration and provider numbers.
- Practice information— your specialty and category of practice, the States and Territories you practise in, your gross annual billings, hours or sessions, and claims and disciplinary history.
- Sensitive (health) information— information about your own health where relevant to cover (for example, fitness to practise), and patient health information contained in records, complaints or claims that you provide to us in the course of a matter.
- Financial information— payment and bank or card details needed to collect premium and any government-scheme reconciliation details.
Where the law requires consent for sensitive information, we collect it only with your consent or where otherwise permitted under APP 3. We collect information directly from you where practicable; sometimes from third parties such as your practice, regulators, lawyers or reinsurers.
3. Why we collect it and how we use it (APP 6)
- To assess an application, underwrite and price cover, and issue documents.
- To administer a policy, process payments, and manage renewals and cancellations.
- To investigate, defend, manage and pay claims, and provide medico-legal support.
- To administer Australian Government schemes (such as the Premium Support Scheme and Run-off Cover Scheme) on behalf of eligible practitioners.
- To meet legal, regulatory, audit and reporting obligations.
- To improve services and, where you have not opted out, to send relevant communications.
4. How we disclose it (APP 6)
When necessary for the purposes above, we disclose personal information to:
- related companies within its group (for example, a mutual and its insurer subsidiary);
- reinsurers, actuaries, auditors and professional advisers;
- lawyers, experts and medico-legal advisers appointed to a matter;
- regulators and courts (including AHPRA, ASIC, APRA, AFCA and Services Australia); and
- service providers such as IT, payment, mailing and data-storage providers.
We do not sell personal information.
5. Storage and security (APP 11)
Personal and sensitive information is held in secure electronic and physical systems and protected by access controls, encryption in transit, staff confidentiality obligations and records-management procedures. We retain information only for as long as needed for the purposes above or as required by law — noting that medical indemnity records are typically retained for long periods because of the long-tail, claims-made nature of the cover — and then securely destroy or de-identify it.
6. Access and correction (APP 12 & APP 13)
You have the right to request access to the personal information we hold about you and to ask for it to be corrected if it is inaccurate, out of date, incomplete, irrelevant or misleading. We respond within a reasonable period and explain our reasons if access or correction is refused on a ground permitted by the Privacy Act.
7. Overseas disclosure (APP 8)
Some service providers (for example, cloud hosting or support) may be located outside Australia. We take reasonable steps to ensure any overseas recipient handles personal information consistently with the APPs, and we identify the countries involved where practicable.
8. Direct marketing and your choices (APP 7)
Any direct marketing is sent only where permitted, and every message includes a simple way to opt out. You can ask not to receive marketing at any time.
9. Complaints
If you believe your privacy has been mishandled, please contact our Privacy Officer first and we will respond within a reasonable time. If you are not satisfied, you can escalate to the Office of the Australian Information Commissioner (OAIC)— and, for matters connected to a financial service, to our external dispute resolution scheme.
10. Contact
To exercise any of your rights, or to raise a privacy concern, contact:
- Privacy Officer, Praxis Mutual
- Level 1, 100 Collins Street, Melbourne VIC 3000
- hello@praxismutual.au