Complaints Handling and Dispute Resolution Policy
We care about getting it right; for you and for the entire Capricorn Community.
If something hasn’t met your expectations, we want to resolve it fairly, quickly, and respectfully — and learn from your feedback.
Below you can find the right way to share feedback or lodge a complaint, based on which Capricorn business you’re dealing with. Select the tab that applies to you.
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Purpose
Capricorn seeks to maintain and enhance our reputation of providing you with high quality service. We value complaints as they can assist us to improve our processes and Member service.
We are committed to being responsive to the needs and concerns of our Members and Preferred Suppliers and to resolving your complaint as quickly as possible. We will be consistent, fair, and impartial when handling your complaint.
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Policy Statement
The objective of this policy is to ensure:
- You are aware of our complaint lodgment and handling processes,
- Both you and our team members understand our complaints handling process,
- Your complaint is investigated impartially with a balanced view of all information and evidence,
- We take reasonable steps to actively protect your personal information,
- Your complaint is considered on its merits taking into account individual circumstances and needs.
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Definition of a complaint
Complaint is an expression of dissatisfaction about Capricorn products, services, team members, or the complaint management process, where a response or resolution is explicitly or implicitly or legally required. This complaint policy does not apply to a complaint against a Capricorn Preferred Supplier.
You should attempt to resolve the dispute with the Preferred Supplier according to the terms of the supply of goods (usually listed on the supplier’s invoice or paperwork). All warranties or other obligations that may have been agreed between the Preferred Supplier and the Member or that may apply by law have effect.
In some situations, Capricorn does try to assist Members and Preferred Suppliers to resolve disputes because it has an active relationship with both. Should you require assistance please contact us or your Area Manager. However, Capricorn will not become a party to those disputes or let them affect the obligations that Preferred Suppliers and Members owe Capricorn or vice versa.
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Making a complaint
If you are dissatisfied with service provided by Capricorn, you can lodge a complaint in one of the following ways:
- By telephoning us,
- By writing to us at one of the addresses below or using the below form for the relevant entity,
- By emailing us or
- By speaking with us in person.
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Capricorn Society
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Capricorn Mutual
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Capricorn Risk Services
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Capricorn Insurance Services
OFFICE HOURS
Monday – Friday
6am – 5pm (AWST)
10am – 9pm (NZST)OFFICES
Perth, AU
Level 19, 141 St Georges Tce
Perth WA 6000Sydney, AU
Level 6, 275 George St
Sydney NSW 2000POSTAL ADDRESS
Australia
Locked Bag 3003
West Perth WA 6872New Zealand
PO Box 91567
Victoria Street West
Auckland 1142OFFICE HOURS
Monday – Friday
6am – 5pm (AWST)
10am – 9pm (NZST)OFFICES
Perth, AU
Level 19, 141 St Georges Tce
Perth WA 6000Sydney, AU
Level 6, 275 George St
Sydney NSW 2000POSTAL ADDRESS
Australia
Locked Bag 3003
West Perth WA 6872New Zealand
PO Box 91567
Victoria Street West
Auckland 1142EMAILS
Enquiries
Complaints
External dispute resolution process
We actively encourage your honest feedback and the raising of any concerns where our services or products available through us have not met your expectations. If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.
AFCA reviews disputes that fall within its Terms of Reference. Its final determinations are binding on us.
- Website: afca.org.au
- Email: info@afca.org.au
- Phone: 1800 931 678
- In writing: GPO Box 3, Melbourne VIC 3001
OFFICE HOURS
Monday – Friday
6am – 5pm (AWST)
10am – 9pm (NZST)OFFICES
Perth, AU
Level 19, 141 St Georges Tce
Perth WA 6000Sydney, AU
Level 6, 275 George St
Sydney NSW 2000POSTAL ADDRESS
Australia
Locked Bag 3003
West Perth WA 6872New Zealand
PO Box 91567
Victoria Street West
Auckland 1142EMAILS
Enquiries
Complaints
External dispute resolution process
We actively encourage your honest feedback and the raising of any concerns where our services or products available through us have not met your expectations. If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.
AFCA reviews disputes that fall within its Terms of Reference. Its final determinations are binding on us.
- Website: afca.org.au
- Email: info@afca.org.au
- Phone: 1800 931 678
- In writing: GPO Box 3, Melbourne VIC 3001
OFFICE HOURS
Monday – Friday
6am – 5pm (AWST)
10am – 9pm (NZST)OFFICES
Perth, AU
Level 19, 141 St Georges Tce
Perth WA 6000Sydney, AU
Level 6, 275 George St
Sydney NSW 2000POSTAL ADDRESS
Australia
Locked Bag 3003
West Perth WA 6872New Zealand
PO Box 91567
Victoria Street West
Auckland 1142EMAILS
Enquiries
Complaints
External dispute resolution process
We actively encourage your honest feedback and the raising of any concerns where our services or products available through us have not met your expectations. If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers.
AFCA reviews disputes that fall within its Terms of Reference. Its final determinations are binding on us.
- Website: afca.org.au
- Email: info@afca.org.au
- Phone: 1800 931 678
- In writing: GPO Box 3, Melbourne VIC 3001
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Help when making a complaint
We will provide you with any assistance you may need to make your complaint. However, if you consider you need further assistance, please inform us of this at the time you are lodging your complaint.
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Our six-point complaint process
We are committed to resolving your issues at the first point of contact; however, this will not be possible in all circumstances, in which case further investigation will be undertaken.
- We acknowledge – within two business days we will always acknowledge receipt of your complaint.
- We review – we undertake an initial review of your complaint and determine what if any additional information or documentation may be required to complete an investigation.
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We investigate – we will investigate your complaint objectively and impartially, by considering
the information you have provided us, our actions in relation to your dealings with us and any
other information that could assist us in investigating your complaint.
During the investigation period where appropriate we will keep you informed of the progress at least every five business days until the complaint has been resolved. We will endeavour to resolve your complaint within 21 business days, if a resolution is not provided in this timeframe, will provide an explanation to the delay and specify a date or a new timeframe for when we will be in a position to finalise the complaint.
All updates and complaint outcome will be communicated to you via your specified email held in our system, unless you have requested to be contacted via other methods.
- We respond – Following our investigation we will notify you of our findings and any actions we may have taken in regard to your complaint.
- We take action – where appropriate we amend our business practices or policies.
- We record – we will record your complaint for continuous improvement process and your personal information will be recorded in accordance with relevant privacy legislation.
You have the right at any time to make enquiries about the current status of your complaint by contacting us.
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When you complain about one of our employees
If you complain about a member of our team, we will treat your complaint confidentially, impartially, and equally (giving equal treatment to all people).