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Version 4.0 - 07/11/2025
The Truyu App is designed for compatible Apple devices and Android devices.
A reference to the ‘Truyu App’ or ‘App’ will refer to Truyu iOS or Truyu Android Apps downloaded from the applicable App store and accessed locally on your device.
In order to use certain Services offered through the Truyu App, you will need to register using a valid email address and Australian mobile phone number. We will let you know through the App when this is required.
These Truyu App Terms and Conditions govern your use of the Truyu App and your access to and use of the Services, together with the terms and conditions of your accounts used in connection with the Truyu App.
In this document, “we”, “us”, “our”, or “Truyu” means CBA New Digital Businesses Pty Ltd trading as Truyu App ABN 38 633 072 830. Truyu is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830. CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 (“CBA”). CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia.
By downloading the Truyu App and/or entering your details where required for certain Services offered in the App, you confirm that you agree to be bound by these terms and conditions (Terms and Conditions), including that you agree to receive any terms and conditions from us electronically. If you do not wish to be bound by these Terms and Conditions, you should not access the Truyu App and stop using it immediately (including, by (a) deleting your account in the App or sending us an email at contact@truyu.com.au, (b) cancelling any ongoing subscription, and (c) uninstalling the App.
Certain parts of the App or Services we make available may be subject to separate or additional terms. Your use of those parts of the App or Services constitutes your acceptance of those terms and conditions in addition to these Terms and Conditions.
To use the Truyu App, you will need to:
Unless expressly provided otherwise in these Terms and Conditions, if you use the Truyu App or Services in it, then you agree that:
You may not use the App to engage in conduct that, in our opinion:
In the event that you fail to comply with our Acceptable Use Policy terms as detailed in this clause above, Truyu may without notice and immediately or at any time:
By downloading the Truyu App, you become a Truyu user. As a Truyu user, you will have access to the Truyu Services that are made available to you through the App. The Truyu Services are summarised below and further described in these Terms and Conditions. Certain Truyu Services will require you to sign up and create an account, as well as other requirements such as those associated with verifying your identity. We set these out in more detail below.
The Truyu Services include:
These Services are set out in the table directly below. For each Service, a breakdown and related tasks and terms and conditions are described further below in clauses 1.6 Truyu Free Services and 1.7 Truyu Paid Services.
Service Summary
*indicates that identity verification is required for this service as described in clause 1.5 (Verifying your identity).
For extra support, we may refer you to IDCARE for additional assistance. IDCARE are an identity and cyber support service, who can provide additional support and guidance in responding to alerts. Your access and use of any guidance or service provided by IDCARE is strictly subject to your contract with IDCARE. We do not endorse or warrant IDCARE products or services.
To access some of the Truyu Services, your identity will need to first be verified. This means that you will need to have successfully completed an external identity document verification service (a) provided by GBG ANZ Pty Ltd (GBG), our Third Party Service Provider (defined below) and (b) using “GreenID” technology provided by GBG. GBG will use “GreenID” technology to match your identification documents (e.g. Australian Driver’s Licence or Australian Passport) with biometric data that you will be asked to provide to GBG for the purpose of verifying your identity. This technology uses third party systems which match your identity information against information held by the document issue holder or official record holder or alternative sources.
Truyu Free Services are the services available to you free of charge after you download the Truyu App. As set out in these Terms and Conditions, Truyu Free Services may (a) require you to register an account with Truyu, (b) have additional eligibility requirements, and (c) require you to verify your identity.
Truyu Free Services are summarised below.
Truyu’s Scam Checker Service allow you to upload messages through the App that may potentially be scam messages for an automated review. Use of this Service is subject to the terms set out in Schedule A of these Terms and Conditions.
Truyu’s Email Leaks Service is provided to you via the App. It includes the ability for you to access the Have I Been Pwned? (HIBP) Email Monitoring Service, which is supported by our Third Party Service Provider Superlative Enterprises Pty Ltd. Use of this Service is subject to the terms set out in Schedule B of these Terms and Conditions.
To use the following Truyu Free Services, a user must first successfully complete the identity verification procedures outlined in clause 1.5 Verifying your identity.
Truyu’s Card Leaks Service is provided to you via the App and includes the ability for you to check if your card number may have been leaked online based on information provided by our Third Party Service Provider. Use of this Service is subject to the terms set out in Schedule C - Card Leaks Service of these Terms and Conditions, including restrictions on this Service when you use it as a Free Service (vs Paid Service).
Truyu’s Identity Check Alerts Service is provided to you via the App and includes the ability for you to check if your identity (including name, date of birth and other identity documents) has been used at participating Australian merchants for identity verification purposes in the past 180 days. Use of this Service is subject to the terms set out in Schedule D - Identity Check Alert Service of these Terms and Conditions, including restrictions on this Service when you use it as a Free Service (vs Paid Service).
Truyu’s Dark Web Leaks Service is provided to you via the App and includes the ability for you to check if your personal details have been exposed in certain online locations based on information provided by our Third Party Service Provider, which includes information from public forums, Deep Web and the Dark Web. Use of this Service is subject to the terms set out in Schedule F - Dark Web Leaks Service of these Terms and Conditions including restrictions on this Service when you use it as a Free Service (vs Paid Service).
Truyu Paid Services are Subscription Services available through the Truyu App for a fee. To use the Paid Services, an eligible user must first successfully complete the identity verification procedures outlined in clause 1.5 Verifying your identity.
For more information on the fees associated with these Paid Services, see clause 15.1 Fees of these Terms and Conditions.
The Truyu Paid Services are summarised below in this clause.
The Identity Check Alerts Service notifies users when their identity (including name, date of birth and other identity documents) is used at participating Australian merchants for identity verification purposes. For detailed terms and conditions related to this Paid Service, please refer to Schedule D - Identity Check Alert Service of these Terms and Conditions.
The Credit Activity Alerts Service notifies users when an enquiry is made on their Experian credit file, being notification updates on new credit file enquiries and account openings. For detailed terms and conditions for this Paid Service, please refer to Schedule E - Credit Activity Alert Service of these Terms and Conditions.
If this Service is made available to you, in addition to the Card Leaks Service available through the Free Services, you may choose an option to monitor your card number on an ongoing basis, and receive alerts when your card number may have been leaked online. Use of this ongoing Service is subject to the terms set out in Schedule C - Card Leaks Service of these Terms and Conditions.
If this Service is made available to you, in addition to the Dark Web Leaks Service available through the Truyu Free Services, Truyu’s Dark Web Leaks Service notifies you on an ongoing basis when your personal details may have been exposed online, including through public forums, Deep Web and the Dark Web. Use of this Service is subject to the terms set out in Schedule F - Dark Web Leaks Service of these Terms and Conditions.
The Truyu Services (including any Content) are reliant on certain input, data, information, technology, services and support (Third Party Services) provided by our external third party service providers (Third Party Service Providers). Our Third Party Service Providers include but are not limited to Superlative Enterprises Pty Ltd, GBG ANZ PTY LTD (GBG) and Experian (as defined). By using any of the Truyu Services, you agree to Truyu’s use of Third Party Service Providers, and acknowledge and agree that Truyu cannot specifically investigate, represent or confirm the accuracy, legality, legitimacy, validity or reliability of data or information provided by you directly to our Third Party Service Providers.
To the extent permitted by law, we do not:
You acknowledge that in all Truyu Services, we (either directly or through our Third Party Service Providers) do not intend to provide any legal, financial, taxation, accounting or other professional advice. The App and Services do not contain any advice that has been tailored for you or your circumstances. Any advice on the App and Services or contained in any content on the App and Services is general advice only. We make no warranty as to the form, content or appropriateness of the App and Service for you and recommend that you seek legal, financial, accounting and other professional advice in connection with your use of and reliance on the App and Services.
Unless otherwise stated in these Terms and Conditions, and to the extent permitted by law, you are responsible for the acts and omissions of all users of or individuals who otherwise access your login, account or related Truyu information, including any person you authorise to act for you. All communications and acceptances received by us through the Truyu App from any person using this Truyu App and your email address or other log-in information are deemed to be authorised by you, unless you can prove that you did not authorise the person and that:
We will send you notifications via a push notification service or we may send you notices through other reminder mechanisms, such as in-app notifications, email, or via SMS.
Push notifications or alerts will be sent to any compatible Apple or Android device on which (a) you have installed the Truyu App, (b) you have push notifications enabled, and (c) where the device is associated with your mobile number (including for wearables if that becomes an option). It is important that you consider these requirements to ensure we can communicate with you.
Depending on your device settings, notifications may be seen by other people (including unauthorised persons) who are able to see your device or any linked peripheral devices (for example, a smart watch). Please check the notifications settings on all your devices to ensure the privacy and notifications settings are appropriate for your use.
Notifications may include:
You agree to receive notifications and acknowledge that their delivery may be subject to the quality of your connection and the accuracy of the contact details you have provided. It is your responsibility to check any notification information before acting on it. All notifications will be sent to you and managed in accordance with our Privacy Policy. We reserve the right to suspend, change or discontinue notifications at any time for our legitimate business purposes, including for security purposes. Notifications do not affect your obligation to comply with the terms applicable to any products and services you use via the Truyu App.
Sending you marketing and commercial messages
This clause relates to the marketing and commercial electronic messages we may send you.
If you provide us with your contact details, (such as your email, telephone number) and other personal information, you agree that we may use them to communicate with you (unless you tell us not to), including:
By registering for online services or accessing the Truyu app, you also agree that (unless you tell us not to) we may send you commercial electronic messages and/or direct marketing through these online services and apps (including push notifications, in-app messages and notifications).
If you use a virtual assistant that is available in our online services or app, you agree that the virtual assistant may send you commercial electronic messages or direct marketing in its responses to the prompts you submit to the assistant.
We may use third party service providers such as marketing companies or mail houses to send messages on our behalf for direct marketing purposes. You agree that (unless you tell us not to) we may share your personal information with marketing companies or mail houses so they can send you direct marketing messages on our behalf.
Changing your preferences
We will provide you with options you may use to opt out of receiving commercial electronic messages we send you and to choose the way we send them to you. While in some cases one of the options may be an unsubscribe facility, you agree we are not required to include an unsubscribe facility in commercial electronic messages we send you.
Opting out of commercial electronic messages may impact our ability to provide you with information about all the benefits that are available as our customer. There are, however, messages that we must be able to send you and which you will not be able to opt out of receiving.
Opting out of messages sent by Truyu will not opt you out of receiving messages from CBA or other brands who in the CBA Group where you have agreed to those other brands sending you messages. If you would like to opt out of receiving commercial electronic messages from other CBA Group brands, please follow the opt out facilities in their communications or as set out in their terms and conditions.
If you have the Truyu App installed on a device that has compatible fingerprint functionality available, you may be able to turn on fingerprint access for the Truyu App. Turning on fingerprint access for the Truyu App means that you can access the App using your fingerprint instead of entering a secure code. For certain transactions on the Truyu App you may be prompted to enter a secure code as an additional security measure.
You must not turn on fingerprint access for the Truyu App if you have any fingerprints stored on any device other than your own. If, after turning on fingerprint access, you allow other people to use their fingerprints on your device, you must first turn off fingerprint access for the Truyu App.
If you do allow anyone else’s fingerprints to be stored on your device (despite this being against these Terms and Conditions):
If you, or someone else, changes the fingerprint settings on your device, as a security measure, fingerprint access may be disabled for the Truyu App and you will be prompted to enter a secure code to log on to the Truyu App. Only re-enable fingerprint access if you are sure the changes made to your fingerprint settings on your device were made by you.
Fingerprint functionality is technology you may choose to use if it is available on your device and has been enabled by you on your device. Fingerprint functionality is provided by third parties (like Apple) and accordingly, to the extent permitted by law, we are not responsible:
You will still be able to access the Truyu App using a secure code.
If you choose to use fingerprint access for the Truyu App, you will still need access to your email address and mobile phone number to receive secure codes. You must protect your email address and mobile phone number in the manner outlined in these Terms and Conditions.
If you have the Truyu App installed on a device that has compatible facial recognition available, you may be able to turn on facial recognition access for the Truyu App. Turning on facial recognition for the Truyu App means that you can access the App using facial recognition instead entering a secure code. For certain transactions on the Truyu App you may be prompted to enter a secure code as an additional security measure.
You must not turn on facial recognition access for the Truyu App if the facial image stored on your phone is not your own. If, after turning on facial recognition, you allow other people to store their face on your device, you must first turn off facial recognition access for the Truyu App.
If you do allow anyone else’s face to be stored on your device (despite this being against these Terms and Conditions):
If you, or someone else, changes the facial recognition settings on your device, as a security measure, facial recognition may be disabled for the Truyu App and you will be prompted to enter a secure code to log on to the Truyu App. Only re-enable facial recognition if you are sure the changes made to your facial recognition settings on your device were made by you.
Facial recognition is technology you may choose to use if it is available on your device and has been enabled by you on your device. Facial recognition technology is provided by third parties (such as Apple) and accordingly, to the extent permitted by law, we are not responsible:
You will still be able to access the Truyu App using a secure code.
If you choose to use facial recognition access for the Truyu App, you will still need access to your email address and mobile phone number to receive secure codes. You must protect your email address and mobile phone number in the manner outlined in these Terms and Conditions.
When you register for an account within the Truyu App, you will enter and verify your email address and mobile phone number. This email address and mobile phone number will be used by Truyu to send you secure codes, which will allow you to access the Truyu App or perform other operations in the App.
You can update your email address and mobile number by contacting us at contact@truyu.com.au or in the Truyu App if that functionality is made available to you. Your update of these details may be subject to your ability to verify the existing email address and mobile phone number with a secure code.
You are responsible for ensuring your email address and mobile phone number are entered correctly in the Truyu App and kept up to date.
Entering a secure code into the Truyu App incorrectly too many times may result in your access being suspended. If this occurs you will not be able to log in using the Truyu App, and you will need to contact Truyu to regain access.
In certain scenarios we may require additional verification of log in details or identity.
You must ensure only you have access to:
You must never share or let anyone view a secure code – not even family or friends.
Things you should do are included below.
You must not:
You must:
You understand and agree that it is your responsibility to evaluate notifications or alerts received via the App and take the appropriate action.
You must not, either yourself or allow on your behalf any agent or third party to:
In addition to any monitoring rights provided to us under your separate Apple store and Google Play store terms and conditions that you have agreed separately with Apple and/or Google (as applicable), you understand and agree that Truyu may monitor and measure access to and use of the App and Services by you for the purpose of ensuring:
To the extent permitted by law, Truyu does not warrant that the Truyu App or Truyu Services will meet any particular customer requirements or that their operation will be entirely error-free or that all defects are capable of correction or improvement.
Subject to any implied term, condition or warranty imposed by the Competition and Consumer Act 2010 (Cth) (Australian Consumer Law) as amended and/or under similar state legislation, all other warranties including any implied warranties of merchantability, satisfactory quality or fitness for purpose or ability to achieve a particular result are hereby excluded.
The App and Services are provided "as-is" and as available. To the extent permitted by law, we will not be held liable or provide any warranty for any error, bugs, conflicts, unavailability or incompatibilities which arise from any out of date or unsupported versions of browser software. In particular:
(a) while we endeavour to provide a convenient and functional App and Services, we do not guarantee that:
(b) the App and Services may, from time to time, be unavailable due to scheduled maintenance, system or software updates, upgrades, or changes and operational procedures; and
(c) we are not responsible for any loss, corruption or interception of data sent to or from the App and Services which occurs outside of our computer systems (such as those which occur while being sent over the internet).
Truyu Services come with Consumer Guarantees that cannot be excluded under Australian Consumer Law. For major failures with the Services, you are entitled to cancel the Services (and delete the App). Under Australian Consumer Law, you are also entitled to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to choose a refund or replacement for major failures with goods. If a failure with the goods or a service does not amount to a major failure, you are entitled to have the failure rectified in a reasonable time. If this is not done, you are entitled to a refund for the goods and to cancel the contract for the service and obtain a refund of any unused portion. You are also entitled to be compensated for any other reasonably foreseeable loss or damage from a failure in the goods or service.
Subject to our requirements by law, and any other terms and conditions you agree with us, we will take all reasonable steps to ensure that the information available through the App is correct and updated regularly.
Please refer to our Privacy Policy for how we will handle and protect your account information.
You agree that you:
Nothing in these terms
Subject to the implied or imposed matters set out in the paragraph above (including applicable Consumer Guarantees), to the extent permitted by law:
Truyu will not be responsible, liable or held to be in breach of these Terms and Conditions for any failure to perform its obligations under these Terms and Conditions or otherwise, to the extent such failure is attributable to:
You understand that the Truyu Services depend on access to the internet to operate. Where internet activity is lost or limited, the Truyu Services may be downgraded or rendered unavailable.
Subject to these Terms and Conditions, while you are a registered user of the App, Truyu grants you a personal, non-exclusive, non-transferable, limited and revocable license to use the App for personal and/or non-commercial use for the sole purpose of accessing and receiving the Services.
Any use of the App (in whole or part) in any other manner, including but not limited to, resale, transfer, modification or distribution of the App is prohibited.
To the extent that you have any proprietary rights in the data captured in connection with your use of the Truyu Services, you grant to Truyu a non-exclusive, worldwide, royalty free licence to:
such data as necessary for Truyu to provide the Truyu Services in accordance with these Terms and Conditions.
If there’s something we can improve, or you’re not satisfied with our products, services, people, or complaint handling process, it’s important we hear about it so we can make things right.
We will take your complaint seriously, work with you to address your complaint, and try to find a solution that’s fair and reasonable.
You can make a complaint by emailing us at contact@truyu.com.au.
What happens when you make a complaint?
When you make a complaint, we will:
The App is not provided by Apple, Google or any other third party distributor. Accordingly, any queries or complaints regarding the App (including but not limited to issues relating to intellectual property) should be directed to us. This condition applies for the benefit of Apple, Google and any other third party distributor.
Truyu collects and stores information when you download, install and use the App, and register for and login to use the App and the Services accessed via the App.
You must give us accurate and complete information. Otherwise, you may be breaking the law and we may not be able to provide you with the services you require. If you change your personal details (for example, name or email address), you must tell us straight away.
Our collection, storage and use of your personal information is governed by our Privacy Policy, which can be viewed by https://www.truyu.com.au/privacy-policy
Our policy includes information about:
For privacy related enquiries, please contact us using the contact details set out in our Privacy Policy
If you accept fee-based Subscription Services, you agree to additional terms governing all such purchases as provided to you or posted on the Services to which they apply, including all requirements to pay all applicable fees and taxes and your separate Apple store and Google Play store terms and conditions that you have agreed separately with Apple and/or Google (as applicable).
Unless otherwise stated, all fees and charges are non-refundable, including for unused portions of cancelled subscriptions. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple or Google (as the case may be), and Apple or Google will refund any Fees paid by you for any fee-based Subscription Services. We do not provide price protection or refunds in the event of a price drop or promotional offering.
We may offer trial subscriptions to paid Services for free or at special discounted prices. Unless otherwise stated, these trial subscriptions will automatically become paying subscriptions at the current subscription rate if you do not cancel before the end of the promotional / trial period. We may, in our sole discretion, decide to vary or extend any trial subscription (including promotional / trial period) or other promotion.
If you decide to sign up to our Subscription Service, fees may apply. You must pay us the fees and charges that apply in connection with your use of any fee-based Subscription Service. Details on the Truyu subscription fees is also available on the Truyu website. Fees associated with your subscription may also be presented to you when you request to sign-up to Truyu’s fee-based Subscription Service.
You can choose to cancel your subscription at any time, via the Apple App Store and Google Play Store, and will continue to receive the full Service, until the end of your current subscription (which may include any promotional / trial period and grace period, as applicable).
You may incur charges from your mobile service provider for downloading (if applicable) and using the Truyu App, including using the internet or making phone calls to us from within the Truyu App.
We reserve the right to change the pricing (and/or the way the pricing is calculated) of any relevant Services at any time. In the event of a price change, we will notify you of any changes to the fee at least 30 days prior to any change taking effect.
We will post the new pricing on the Truyu website, in the Truyu App and notify you by sending an email to the address you have registered where you have provided Truyu with your email address.
Your continued use of the Service following this notice period will be taken as your acceptance of the updated fees. If you no longer wish to receive the Service, you may cancel your Truyu Service at any time by deleting your account in the App, or emailing contact@truyu.com.au.
All payments and subscriptions, including the commitment to any trial subscription, are managed through Apple App Store and Google Play Store subscription management. Billing for all Subscription Services will be governed by associated additional end-user license terms for your use of the Apple App Store and Google Play Store. Please refer to Schedule G - Apple App Store and Google Play Store for further information.
By signing up to our fee-based Subscription Service through Apple App Store or Google Play Store, with your chosen payment method, you authorise Us to use that payment method to process your fees. Fees are automatically charged each month on the date based on your sign-up anniversary date, using the payment method nominated by you. Please keep your payment method details up to date.
Fees are in AUD and exclude GST unless otherwise specified. Truyu, Apple or Google will contact you if we are unable to process payment for the fees. If fees associated with your Subscription Service have been unpaid for a period of 30 days, we may, at our option, terminate or suspend your access to the App or Service immediately by notice in writing to you.
If you think a transaction is unauthorised or is otherwise incorrect, please get in touch with us immediately via contact@truyu.com.au and provide us as much information as you can about the relevant transaction so we can investigate further. There are specific circumstances and time frames where we can claim a refund in connection with a disputed transaction. This means that our ability to investigate a disputed transaction is limited to the time frames imposed by payment service providers and schemes that we deal with, so it is important to let us know as soon as possible after you become aware of a disputed transaction.
Where you make a mistake when making a payment, we will try to reverse the transaction and retrieve your funds. However, if we can’t reverse the transaction, we are not responsible, and you will be liable for the mistaken payment.
Despite any right contained in these Terms and Conditions, in the event that you appear to be a Proscribed Person, we may immediately refuse to provide Services and suspend or terminate your access or use of the Truyu App.
In addition, we can suspend or terminate access to the Truyu App if:
In each of the circumstances above, we may, for security or legitimate business purposes (including where required by law), suspend or terminate without notice where reasonably required.
We may also suspend or terminate the provision of the Truyu App or any of the Truyu Services where we reasonably believe to do so protects our legitimate business interests or where we believe you are in breach of any Terms and Conditions under this App.
When we do this, we will:
In doing so we will also consider your conduct, our conduct and the products and/or services that are being used.
If you seek to terminate use of the Truyu App
To terminate use of the Truyu App you may delete the Truyu App and, as applicable, delete your account registration by going to “Delete account” on the Settings screen, which will end all monitoring and withdraw your consent for Truyu to act as an access seeker on your behalf. No partial refunds will be provided for users who delete their Truyu account during a billing cycle.
If you terminate or suspend use of the Truyu App, these Terms and Conditions will remain in effect to the extent such Terms and Conditions are intended to survive, and we both will remain bound by them to the extent applicable.
If we terminate or suspend access to the Truyu App:
We may change or update the App at any time, including to add functionality or for security purposes. We will provide notice of any change which we reasonably believe will detrimentally impact your use of the App in a material way, and you will always have the right to terminate or suspend your use of the App as set out in clause 15.2 (Suspension or termination). We’ll also keep you informed of new modifications or any services we intend to replace or discontinue. In the case of new modifications or replaced or discontinued services, you may need to download and install a new version of the App in order to keep using it.
Without limiting the above, you acknowledge that we also have the right to vary, discontinue or cease offering any aspect of the Truyu Service or App without any prior notice to you, where reasonably required for our legitimate business interests, including for security purposes.
If you become aware of any problems with the functionality, availability or security of the data or the App, please contact us at contact@truyu.com.au.
We may change these Truyu App Terms and Conditions at any time if we deem such a change reasonable and necessary for our legitimate business interests (including for security purposes). We will give you reasonable advance notice as applicable in the circumstances of any material changes (which are changes that have a reasonably material impact to the Truyu Services and/or our App’s functionality) in accordance with clause 3 (Communications with you) and clause 15.5 (Notices Generally).
Your continued use of the App after any such variation or modification will be taken to be an acceptance of such variation or modification. We may however also require you to confirm your acceptance of changes to continue using the Truyu App. In all cases, if we make a change that you are not happy with, you may cease using and uninstall the Truyu App.
We may provide notices to you through push notification to your device or by sending you an email or SMS to the details that you have registered with.
You should check your emails/text messages/push notifications regularly and update your contact details if they have changed.
Notices given electronically are taken to be received by you when the communication enters the first information system outside Truyu (e.g. the server of your internet or telecommunications service provider or the host of your email address).
You may be able to access information about our Truyu Services via the Truyu App. You acknowledge that it is your responsibility to assess the appropriateness of any service in light of your personal objectives, financial situation or needs, and, if necessary, seek appropriate professional advice. The provision of Truyu Services is not and should not be seen as the provision of general or personal financial advice.
The Truyu App is not provided by Apple, Google or any other third party provider. Accordingly, any queries or complaints regarding the App (including but not limited to issues regarding intellectual property, maintenance and support, etc) should be directed to us.
The foregoing applies for the benefit of these third party providers. You also acknowledge the application of Australian anti-money laundering and counter terrorism financing regulations, and agree that you are not in a location that is subject to a government embargo.
Apple, the Apple logo, Apple Pay, Apple Watch, MacBook Pro, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Google, Google Play and the Google and Google Play logos are trademarks of Google registered in the U.S. and other countries.
You acknowledge and agree that we will collect information about your device and network connectivity for security purposes, including:
We use software from various vendors to provide this App. Where we are required to display the relating licence terms and conditions, you can find these terms and conditions in the Truyu App.
This clause applies to Android devices only, and only if the App is available for download to Android devices.
To assist with the security and compatibility of the Android environment in which the Truyu App runs on your device, certain information relating to your device may be shared with Google for analysis via Google’s Safety Net Attestation API, for example, device and Application data and the results of integrity checks. You agree to comply with the Google APIs Terms of Service and SafetyNet Attestation API which you can access on Google’s webApp and Services.
This paragraph applies to Android devices only if the App is available for download to Android devices. To assist with the security and compatibility of the Android environment in which this App runs on your device, certain information relating to your device may be shared with Google for analysis via Google’s Safety Net Attestation API, for example, device and Application data and the results of integrity checks. In addition to your agreement to comply with the Google Play Terms of Service, by using this App, you agree with the Google APIs Terms of Service and SafetyNet Attestation API, which you can access on Google’s webApp and Services.
If any provision or part of any provision of these Terms and Conditions is deemed invalid, this will not affect the validity of the remaining provisions or part the remaining part of the affected provision of these Terms and Conditions, which will remain in full force and effect.
A failure by Truyu to assert any right under these Terms and Conditions will not constitute a waiver of that right nor will any such failure be taken to be a further or continuing waiver of that term.
Truyu can assign or otherwise transfer any of its rights under these Terms and Conditions at any time if we provide you with reasonable notice. If you do not agree to our assignment, you can terminate use the App in accordance with clause 15.2 (Suspension or termination).
You are deemed to have accepted the assignment if you continue to use the App after 30 days following our notice to you.
Any links to third party App and Services appearing in the App are provided for your convenience only. Your access of third party App and Services using these links is done at your own risk. You must comply with applicable third party terms of agreement when accessing these links.
If you have any questions or comments relating to the App or these Terms and Conditions or otherwise need to contact us, please do not hesitate to contact us by raising a request for support in the App or by emailing us at contact@truyu.com.au.
“Card Leaks Service” means the service set out in clause 1.6 Truyu Free Services, clause 1.7 Truyu Paid Services and Schedule C - Card Leaks Service of these Terms and Conditions.
“CBA Group” means CBA (as defined in clause 1 of these Terms and Conditions) and its related bodies corporate as that term is defined in the Australian Corporations Act 2001 (Cth).
"Consumer Guarantees” means a right or guarantee you may have under the Australian Consumer Law in schedule 2 of the Competition and Consumer Act 2010 (Cth) and any equivalent state or territory legislation, or other rights in relation to the supply of goods or services (such as terms implied into a contract) that cannot lawfully be excluded.
“Content” means the content, text, data, alerts, notifications, information, images, pages, materials, tools and results provided to you as part of the Service via the App.
"Compatible Apple devices or Android devices" means either iPhones that meet the requirements listed in the Apple App Store, or Android devices that meet the requirements listed on Google Play (as appropriate).
“Credit Activity Alert Service” means the service set out in clause 1.6 Truyu Free Services and Schedule E - Credit Activity Alert Service of these Terms and Conditions.
“Dark Web” means those parts of the Deep Web accessible only via specialised software or overlay networks (such as Tor) and which are often used for anonymous sharing or trading of stolen or exposed personal information.
“Dark Web Leaks Service” means the service set out in clause 1.6 Truyu Free Services, clause 1.7 Truyu Paid Services and Schedule F - Dark Web Leaks Service of these Terms and Conditions.
“Data Breach” means a data breach considered to be an ‘eligible data breach’ as defined in the Privacy Act 1988 (Cth) or as otherwise contained in these Terms and Conditions. “Data Breaches” has the corresponding plural meaning.
“Deep Web” means parts of the internet which are not indexed by standard search engines, for example password-protected sites, private databases or restricted access networks.
“Email Leaks Service” means as defined in clause 1.6 Truyu Free Services and Schedule B of these Terms and Conditions.
“Experian” means Experian Australia Pty Ltd ABN 95 082 851 474 and Experian Australia Credit Services Pty Ltd ABN 12 150 305 838 (as relevant).
“ID” or “Identity” for the purpose of the Identity Check Alert Service means your name and date of birth.
“Identity Check Alerts Service” means the service set out in clause 1.7 Truyu Paid Services and Schedule E - Credit Activity Alert Service of these Terms and Conditions.
“Privacy Policy” in the context of Truyu means our privacy policy available at www.truyu.com.au/privacy-policy.
“Proscribed person” is a person who appears to us to:
“Scam Checker Services” means the Service set out in clause 1.6 Truyu Free Services and Schedule A of these Terms and Conditions.
“Service(s)” means service or services offered through the Truyu App, as applicable.
“Subscription Services” mean subscription-based, paid Services that are part of Truyu’s Paid Services offering set out in clause 1.7 Truyu Paid Services. The associated fees are further clarified in clause 15.1 Fees of these Terms and Conditions.
“Third Party Services” means as defined in clause 1.8 Third Party Service Providers.
“Third Party Service Providers” means as defined in clause 1.8 Third Party Service Providers.
"Truyu App" or “App” means the Truyu App service described in clause 1 Introducing the Truyu App.
“Truyu Free Services” or “Free Services” has the meaning given to it in clause 1.6 Truyu Free Services.
“Truyu Paid Services” or “Paid Services” has the meaning given to it in clause 1.7 Truyu Paid Services.
“Truyu Services” or “Services” or “Service” means the Content and services we (or our sub-contractors or third parties with whom we provide the services) provide to you via the App, which consist of our Truyu Free Services and Truyu Paid Services.
"you" or "your" means the person using the Truyu App.
1 Scam Checker Service Terms and Conditions
Under this component of the Service, you can upload screenshots of text messages to the Scam Checker Service, which uses artificial intelligence to assess the likelihood that the uploaded text message is a scam. The Truyu Scam Checker Service will provide a response that with respect to the uploaded text message: (a) our checks indicate it is " Probably a scam", (b) “Our checks didn’t identify any suspicious indicators”, or (c) we are "Unable to confirm". These responses are based on our available data and a number of pre-determined scam indicators.
2 Important Information
2.1 It is important for you to note that Truyu’s responses are all suggestions only, and not factual classifications. If a text message is assessed as "Probably a scam" or “Our checks didn’t identify any suspicious indicators”, the Scam Checker Service will provide recommended next steps, including ‘stop’, ‘check’ and ‘protect’.
2.2 The Scam Checker Service is provided in collaboration with CBA. Truyu and CBA disclaim all liability arising from or in connection with your use of the Scam Checker Service. Truyu does not guarantee the accuracy and completeness of the Scam Checker Service and suggestions, and you are ultimately responsible for verifying the accuracy of the response suggestion provided by Truyu. Any tips or suggestions provided through this Service do not take into account your personal situation or needs.
2.3 Artificial intelligence is not a perfect tool and is not always correct. Scam Checker is reliant on artificial intelligence and available data, the accuracy and reliability of which Truyu cannot guarantee. You should take your own measures to protect yourself from potential harm. Truyu encourages you to be vigilant and use caution when interacting with potential scam messages. Accordingly, Truyu and CBA disclaim all liability arising from or in connection with your reliance on the Scam Checker Service.
3 Using the Service
3.1 To use the Scam Checker Service, you must upload a valid screenshot of a text message, including the sender ID or phone number.
3.2 You must have all rights and/or permissions to upload the text message. Upon upload, you grant Truyu, a non-exclusive, royalty-free, perpetual, transferable and sub-licensable and worldwide licence to use, treat and store the uploaded screenshot. You acknowledge and consent to any information contained within the text to be:
3.3 The Scam Checker Service will not provide a response suggestion if your upload does not meet any criteria we make known to you, or if it includes inappropriate content, excessive file size, or if the screenshot is not a text message.
3.4 You must not upload to the Scam Checker services (a) any images that are not text messages as described above, (b) any information or images that contain personal or sensitive information or (c) information or images that you do not have the rights and/or permissions to share.
In addition to any other right contained in these Terms and Conditions, we reserve the right to suspend or terminate your Truyu account for legitimate business purposes, including for security purposes or if we detect abuse of the system, such as:
1 Email Leaks Service
In using the Email Leaks Service, you may register up to five email addresses to query and monitor, on an ongoing basis, if your registered email addresses and any associated data have been comprised in Data Breaches captured by the Email Leaks Service. Truyu’s Email Leaks Service is supported by our Third Party Service Provider Superlative Enterprises Pty Ltd (HIBP Service). Data Breaches are captured by the HIBP Service from public domain sources and make use of anonymised searches relying on unique hash values to help preserve privacy.
2 Important Information
If you use the Email Leaks Service, you acknowledge that:
1 Card Leaks Service
1.1 By inserting your card number into this Service, Truyu’s Service will check if your card number is on certain public databases, including generally available public websites and other web locations that are difficult to access and commonly referred to as the “dark web”.
1.2 The terms and conditions in this Schedule apply if we make this Service available for you and you choose to use this Service. The Card Leaks Service includes the ability for you to check if your card number may have been leaked online based on information provided by our Third Party Service Provider.
1.3 To use this Service, you must first verify your identity in accordance with clause 1.5 of these Terms and Conditions (Verifying your identity).
1.4 As a user of the Truyu Free Services for the Card Leaks Service, you may check up to 5 of your cards by inserting the card numbers in the App. You may later choose to re-check those same 5 cards in the App.
1.5 As a subscriber of the Truyu Paid Services for the Card Leaks Service, if this Service is made available to you, you may enrol up to 5 of your cards for ongoing monitoring for the duration of your subscription. Truyu will notify you in accordance with clause 3 of these Terms and Conditions (Communications with you) if your monitored card number(s) may have been leaked online as detected by our Third Party Service Provider.
1.6 If you wish to remove any card numbers from the App, you can delete your Truyu account or contact us at contact@truyu.com.au.
2 Important Information
By using this Service (whether Free Services or Paid Services), you acknowledge and agree to the points listed below in this clause.
1.1 The terms and conditions in this Schedule apply if you use our Identity Check Alerts Service. The Truyu Identity Check Alert Service provides you with an alert that there may have been an identity check conducted with your details. In that case and if you had not approved such check, you could take action in response. This information may include a merchant category, merchant name, relevant document and date and time of the identity check.
1.2 To use this Service, you must first verify your identity in accordance with clause 1.5 (Verifying your identity) of these Terms and Conditions.
1.3 As part of the Truyu Free Services, you are eligible for a one-time Identity Check scan, which will inform you if there were possible identity checks conducted with your details in the past 180 days from the date of your inquiry.
1.4 As part of the Truyu Paid Services, you are eligible to receive the Identity Check Alerts Service on an ongoing basis for the duration of your subscription.
2.1 In relation to the Identity Check Alert Service (whether Free Services or Paid Services), please note the following important information.
1.1 The terms and conditions in this Schedule apply if you use our Credit Activity Alert Service. The Credit Activity Alert Service is available only for Truyu Paid Services users.
1.2 To use this Service, you must first (a) verify your identity in accordance with clause 1.5 (Verifying your identity) of these Terms and Conditions; and (b) hold an active subscription with Truyu for these Services, and (c) have a credit file with Experian.
1.3 As part of these Services, Truyu alerts you when an enquiry is made on your credit file held with Experian. More specifically, this Service provides certain credit reporting information held by Experian, who is a credit reporting body.
2.1 Once you have successfully activated your Credit Activity Alert Service, we will, unless you tell us otherwise, send you ongoing notifications relating to your credit file being:
See the section titled "Appointment as access seeker" below for further information, including how you can withdraw your consent for us to act on your behalf as an access seeker.
2.2 Before you act on any notification, we recommend you check the information (e.g. by reviewing a current Credit Report). You may request a free copy of your consumer credit report from a credit reporting body once every three months, as well as when you’ve been refused credit within the past 90 days, or your credit-related personal information has been corrected.
2.3 We reserve the right to suspend, change or discontinue Truyu notifications at any time for our legitimate business purposes, including for security purposes or where our notifications do not align with our operational requirements for the App. Notifications do not affect your obligation to comply with the terms applicable to the Service (including these Terms of Use).
2.4 By becoming a subscriber with us, successfully completing your identity authentication, and agreeing to the relevant consent, you consent and authorise us to act as your agent and ‘access seeker’ for the purposes of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2024 (Cth), to request Experian to provide us (as your agent) with certain credit reporting information on your behalf, to deliver updates on changes to your credit report, as part of our broader offering.
This authority continues until such time as your subscription ends (which may include any promotional / trial period, grace period or Post Subscription period as defined below in this clause, as applicable).
If you wish to manually revoke your access seeker authorisation prior to the expiry of your subscription, you may do so at any time by deleting your account in the App, or sending us an email at contact@truyu.com.au.
Withdrawing this authorisation will mean that we are no longer able to offer the Credit Activity Alert Service.
2.5 Your personal information and authority for us to act as your access seeker will be retained until the end of your subscription. If your subscription expires, your authority for us to act as your access seeker will continue for 120 days after expiration of your service (Post Subscription Period). This is to enable us to resubscribe you to Credit Activity Alerts if you change your mind. We will retain your personal information for 12 months from the date your subscription expires, or as otherwise required by law.
For more details on how long we will retain your authorisation (including after expiry) and how we collect, store and manage your information, please see our Privacy Policy here: www.truyu.com.au/privacy-policy.
2.6 You have a right to obtain your credit reporting information free of charge in certain circumstances (detailed in clause 2.2 of this Schedule). To request access to a copy of your full Experian Credit Report, please contact Experian directly at www.experian.com.au.
2.7 While information from Experian is delivered through the Truyu App, by using the Credit Activity Alert Service, you acknowledge and agree that it is your responsibility to consider any notices or alerts you receive through the App and respond appropriately.
1.1 The terms and conditions in this Schedule apply if we make this Service available for you and you choose to use this Service.
Truyu’s Dark Web Leaks Service provides you with the ability to check if your personal details have been exposed in certain online locations, based on information provided by our Third Party Service Provider that includes information from public forums, Deep Web and the Dark Web.
1.2 To use this Service, you must first verify your identity in accordance with clause 1.5 of these Terms and Conditions (Verifying your identity).
1.3 As part of the Truyu Free Services, you are eligible to receive a one-off scan / check of your inserted information.
1.4 As part of the Truyu Paid Services, if this Service is made available to you, you are eligible for ongoing monitoring of your inserted information for the length of your Truyu subscription period.
Truyu will alert you when your inserted information has been found by our Third Party Service Provider in accordance with clause 3 (Communications with you) of these Terms and Conditions. These alerts will also be available in the Truyu App.
These Paid Services will be available to you for the duration of your Subscription Services.
If you use the Dark Web Leaks Service, you acknowledge that:
In using any Truyu Services, you acknowledge and agree:
Truyu Website Terms of Use
You must not, when using the Site:
If you link our Site to any material you distribute, including emails or your website, the following terms in this clause 5 (Links) apply:
You may provide us with personal information when using the Site. By using the Site, you acknowledge us collecting, storing, using and disclosing your personal information in accordance with our Privacy Policy, available at https://www.truyu.com.au/privacy-policy.
Subject to clause 9 (Implied warranties), all express or implied guarantees, warranties, representations, statements, terms and conditions which are not expressly set out in these terms are excluded.
In particular, and without limiting the sentence directly above:
Nothing in these terms excludes, restricts or modifies any guarantee, term, condition, warranty, or any right or remedy, implied or imposed by any law or legislation which cannot lawfully be excluded or limited, including the Australian Consumer Law which contains guarantees that protect the purchasers of goods and services in certain circumstances.
If any guarantee, term, condition or warranty is implied or imposed in relation to these terms under the Australian Consumer Law or any other applicable legislation (a Non-Excludable Provision) and we are able to limit your remedy for a breach of the Non-Excludable Provision, then our liability for breach of the Non-Excludable Provision is limited to one or more of the following at our option:
10. Modifications
We may: (a) vary these terms and/or our logos; and (b) modify, suspend or cease the Site or access to any links from this Site.
Your continued access or use of the Site following any variation referred to in the paragraph directly above will constitute your acceptance of the variation.
If you do not agree to any variation, you may stop using this Site.
11. Infringing or objectionable content
If you believe that the Site contains elements that are objectionable, or infringe copyright or any other rights, please contact us via email at complaints@truyu.com.au, and provide particulars of such content and a detailed description of why it is objectionable or infringing.
12. General
Published: 16 October 2025
Terms and Conditions and Eligibility Criteria
The CommBank Yello free Truyu subscription for 6 months benefit is available to all CommBank Yello customers qualifying for the CommBank Yello, Plus, Gold or Diamond tiers.
To be eligible to redeem the Truyu offer, you must:
1) Redeem the promotion code in accordance with our terms and conditions;
2) Meet the eligibility criteria set out in and agree to the Truyu App terms and conditions. See truyu.com.au/terms-and-conditions and
3) Successfully complete ID verification and subscribe to Truyu Alerts in accordance with Truyu’s App Terms and Conditions.
Offer available to new and existing users (as a 3 month extension to our initial 3 month free trial only) subscribing to Truyu’s Identity Check Alert Service. One offer limit per eligible user. Unless otherwise stated in these Terms and Conditions, the offer is not available in conjunction with any other offer, promotion or discount. After the 6-month free subscription expires, users will be charged $4.99/month in accordance with the Truyu App Terms and Conditions. Truyu and CommBank reserve the right to vary, update or remove this offer at any time.
Customers must activate the offer using a promotion code to receive the benefit. Eligible customers may choose to access their promotional code in the CommBank Yello hub within the CommBank app. If customers dismiss the benefit in the CommBank App, it may take up to 180 days to reappear. New Truyu customers will need to install the Truyu App, subscribe to Identity Check Alert Service then apply the code in the Settings screen. Existing Truyu customers will be able to apply their code via Settings / Have an offer code in the Truyu app. The code will provide an additional 3 months free subscription for existing eligible customers on top of the initial 3 months free trial offer.
Any changes to your CommBank Yello eligibility will not affect your Truyu subscription once you have redeemed this offer. Your promotional code cannot be redeemed wholly or in part for cash or cash equivalents in the event you cancel your Truyu subscription part way through your 6-month free subscription period. If you do not wish to use your code, you can choose to gift your code to someone else. Your code can only be redeemed once for its entire free trial period.
Ongoing eligibility conditions apply for CommBank Yello. For full eligibility terms and conditions visit commbank.com.au/commbankyello.
If you have queries relating to the CommBank Yello eligibility and CommBank Yello experience you can contact CommBank via messages in the CommBank app or visit a CommBank branch.
You can check the expiry date of your free Truyu trial in the Subscriptions section in your App Store or Play Store.
Truyu is a brand of CBA New Digital Businesses Pty Ltd ABN 38 633 072 830 trading as Truyu.
CBA New Digital Businesses Pty Ltd is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. CBA New Digital Businesses Pty Ltd is not an Authorised Deposit-taking Institution for the purposes of the Banking Act 1959 and its obligations do not represent deposits or other liabilities of Commonwealth Bank of Australia.
To access detailed terms and conditions about Truyu please click here. For information on how we collect and handle personal information, see our Privacy Policy.
*The Identity Check Alert Service is not comprehensive. Importantly, you will only receive a notification if GBG has informed us that your first name, last name and date of birth have been used at an Australian merchant that is onboarded by GBG as part of our Identity Check Alert Service. As at 5 February 2025, GBG handles over 60% of online identity checks run by Australian merchants.
**There is an initial three-month trial, for all new customers. A monthly subscription fee of $4.99 will be debited from your Apple App Store or Google Play Store payment method once the trial is completed, unless you cancel your subscription before the end of the trial.
Apple and the Apple Logo are trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
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