Privacy policy
This Privacy Policy describes how Najmaa Mutual Limited (ABN: 39 686 285 450) (“Najmaa”, “we”, “our”, “us”) collects, holds, uses and discloses your personal information. It also explains how you can access or correct your information, or make a complaint.
By providing personal information to us, you consent to the collection, use and disclosure of that information in accordance with this Privacy Policy and the Privacy Act 1988 (Cth).
What is personal information?
Personal information is any information or opinion about an identified individual, or an individual who is reasonably identifiable.
What we collect
We may collect personal information such as:
- your name, date of birth, and contact details;
- your address, driver’s licence or other identification details;
- vehicle and membership details; and
- information relevant to assessing your eligibility for membership, administering your protection, or handling a claim.
We do not usually collect sensitive information, however, if it is reasonably necessary to assess your membership or a claim, we may collect sensitive information, but only with your consent or as permitted by law.
How we collect information
We collect personal information directly from you wherever possible, such as when you:
- apply for membership or renew your protection;
- provide information in connection with a claim; or
- contact us by phone, email, post or through our website.
We may also collect information from third parties if reasonably necessary, such as repairers, assessors, investigators, or other service providers engaged in claims processes.
How we use your information
We collect, hold, and use your personal information to:
- consider applications for membership and manage your protection;
- assess, manage and administer claims;
- manage our business operations and comply with legal obligations;
- communicate with you about your membership, claims, or services; and
- provide information about our products and services, unless you opt out.
Who we share your information with
We may disclose your personal information to trusted service providers engaged by Najmaa, including:
- Najmaa Management Services Australia Pty Ltd (ABN: 40 678 802 232), which provides administrative and management support to Najmaa Mutual;
- third-party claims administrators who help us manage and assess claims;
- repairers, assessors, investigators, legal advisers, or recovery agents;
- retakaful providers and other risk partners;
- IT and data hosting providers; and
- regulators and dispute resolution bodies, as required by law.
Some of these organisations may be located outside Australia. In particular, we may disclose information to retakaful providers and related service partners located in Switzerland, Germany, Malaysia, and any other countries where our retakaful or risk partners operate.
Security and storage
We take reasonable steps to protect the personal information we hold from misuse, loss, unauthorised access, modification, or disclosure. Information may be stored in physical and electronic form in Australia or with trusted service providers.
Cookies and website analyticsOur website may use cookies or similar technologies to improve your browsing experience and to help us understand how our website is used. These do not identify you personally, but you can adjust your browser settings to refuse cookies if you prefer.
Access and correction
You may request access to, or correction of, your personal information at any time by contacting us. We will respond within a reasonable period and in accordance with the Privacy Act.
Data breachesIf a data breach occurs that is likely to result in serious harm, we will comply with the Notifiable Data Breaches scheme under the Privacy Act 1988 (Cth), including notifying affected individuals and the Office of the Australian Information Commissioner (OAIC) as required.
Complaints
If you have a concern about how we have handled your personal information, please contact us using the details below. We will respond promptly. You may also contact the Office of the Australian Information Commissioner (OAIC) if you are not satisfied with our response.
OAIC contact details:
- Phone: 1300 363 992
- Email: enquiries@
oaic .gov .au - Post: GPO Box 5218, Sydney NSW 2001
Contact us
If you would like more information about this Privacy Policy or how we handle personal information, please contact us:
Najmaa Mutual LimitedEmail: privacy@
Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be available on our website and will apply from the date of publication.
Last updated: September 2025