Privacy Policy

1. About this policy

CalmCover ("we", "us", "our") operates the website calmcover.com.au. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. What we collect

When you use our comparison service, we may collect:

• Contact details — your name, email address, and phone number
• Insurance needs — the type of cover you're looking for, cover amount, age range, smoking status, family situation, employment type, and existing cover status
• Usage data — pages visited, time on site, browser type, device type, and referring source
• Tracking data — information collected via cookies and tracking pixels (see Section 7)

3. How we use your information

We use your personal information to:

• Match you with suitable Australian insurance providers based on your answers
• Share your details with those providers so they can contact you with tailored quotes
• Improve our website and comparison service
• Analyse advertising performance and optimise our marketing
• Comply with our legal obligations

4. Lead generation disclosure

CalmCover is a lead generation service. When you complete our comparison form, your information is shared with one or more trusted Australian insurance providers or brokers who may contact you to discuss your options. We receive a fee from these providers for successful introductions. This does not affect the quotes or advice you receive.

5. Who we share your information with

We may share your personal information with:

• Insurance providers and brokers — to provide you with relevant quotes and advice
• Service providers — who help us operate our website, CRM, and marketing (e.g. hosting, email, analytics)
• Advertising platforms — such as Meta (Facebook/Instagram) for ad performance measurement, using aggregated or pseudonymised data where possible
• Legal authorities — where required by law

We do not sell your personal information to unrelated third parties.

6. Data storage and security

Your personal information is stored in secure, access-controlled systems. We use industry-standard measures including encryption in transit (TLS/SSL) and access controls to protect your data. While no method of electronic storage is completely secure, we take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access.

7. Cookies and tracking

Our website uses:

• Essential cookies — required for the website to function properly
• Analytics cookies — to understand how visitors use our site
• Advertising cookies — including the Meta Pixel, which helps us measure the effectiveness of our advertising and show relevant ads to people who have visited our site

You can control cookies through your browser settings. Disabling cookies may affect your experience on our website.

8. Your rights

Under the Australian Privacy Act, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal obligations)
• Opt out of marketing communications at any time
• Complain to the Office of the Australian Information Commissioner (OAIC) if you believe we have breached the APPs

9. Changes to this policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

10. Contact us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at privacy@calmcover.com.au.