CivicRisk Mutual Limited ABN 48 605 323 948 AFSL 493789 (CivicRisk Mutual) offers products and services to its members subject to the Civic Risk Constitution and Rules. Please enquire with us for a copy of the relevant document before you make any decision about our products and services which you should consider. The Target Market Determination is available here.

CivicRisk Mutual makes reasonable attempts to keep  the information on our website current and accurate. As the website is a publication, we may change the website at any time. CivicRisk does not warrant the accuracy, currency, completeness or adequacy of the information on this website. Your reliance on any information obtained by or through this website is at your own risk. Subject to any terms implied by applicable law which cannot be excluded, CivicRisk Mutual denies liability for any loss, damage, liability, claim, expense or injury resulting from any error, omission, misrepresentation of any information obtained by or through this website, whether in contract, tort, statute or otherwise.

Copyright of materials on this website resides with CivicRisk Mutual unless otherwise stated. Apart from any use permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of such content may be reproduced, modified, adapted, published, transmitted or stored or used in any way for any commercial purpose whatsoever. CivicRisk is not responsible for third party websites that may be linked from this website. Details about the use of cookies on our website are available below:

Use of Cookies – Example

This site makes use of browser cookies on your computer or device.

What is a Cookie?

A browser’s cookie is a small text file that contains information set from the website(s) you visit. The website that sets them may also read them, and re-set them. Cookies can be used to hold personalised information about your session(s) or preferences for the website that set them.

Cookies may have an expiry time set, which will mean your browser will remove them at that time. Please also note that it is possible for a cookie to remain in your browser for an undefined length of time.

Cookies for this Website

This website uses cookies to store information about your individual visit in a session cookie (eg: ASPSESSIONID{A unique ID}). This cookie is only valid until your session is finished.

Also, this website may use cookies to store information about your preferences or to store information specific to the functions of this site.

Third Party Cookies

This website also makes use of third party cookies such as those use by Google Analytics (eg: __utma, __utmb, __utmbc & __utmz). Other third party services that may make use of cookies include Facebook, Google+, Linked In, Twitter, YouTube and Vimeo etc

Preventing Cookie Use

You may adjust your browser’s settings to prevent the use of cookies. However, your website experience may not be as intended, and restricting your cookies may prevent you from using certain parts of the website.

Deleting Cookies

If you do choose to remove cookies relating to this website, you may reset any personalisation this site offers.