Effective 1st December 2009

We recognise the importance of protecting the privacy of information collected about visitors to our web site and users of our services, in particular information that is capable of identifying an individual ("personal information"). This Internet Privacy Policy governs how we collect and use your personal information and how it will be dealt with. This Internet Privacy Policy should be reviewed periodically so that you are updated on any changes. We welcome your comments and feedback.

This privacy policy applies to all of the web sites, services and products ("Services") offered by biNu Pty Ltd ("We", "our" and "us"). By using our products and services, you agree to our Privacy Policy set out below. The Privacy Policy relates to the collection and use of personal information you may supply to us through using our Services.

We reserve the right, at our discretion, to modify or remove portions of this Privacy Policy at any time. This Privacy Policy is in addition to any other terms and conditions applicable to the web site. We do not make any representations about third party web sites that may be linked to the web site.

Personal Information

Personal information about visitors to our site is collected only when knowingly and voluntarily submitted. For example, we may need to collect such information to provide you with further services or to answer or forward any requests or enquiries. It is our intention that this policy will protect your personal information from being dealt with in any way that is inconsistent with applicable privacy laws in Australia.

The Information biNu Collects

When you browse a biNu web site, we collect the following type of information:

When you use biNu's mobile application, biNu keeps collects activity information as follows:

Please note that end user license agreements governing the use of our Services might contain provisions regarding the collection and use of customer information which supplement or vary from this Privacy Policy, which will take precedence in governing the customer's use of the subject products or services.

biNu processes personal information only for the purposes described in this Privacy Policy.

Direct Calls and SMS

When you install biNu's mobile application on Android you may see a warning similar to the following: "Services that cost you money - directly call phone numbers, send SMS messages". Please note that this is a generic Google Play warning related to the features that our app can use to provide some useful functions to our users. In this particular case, our app can display phone numbers as a link so that if the user clicks the link, it directly calls the number from the phone. Any links to the phone's calling functions are initiated via user input and in no circumstances can calls be initiated without the user's knowledge. The SMS feature is used to send the user's PIN reminder directly from the phone. Again, this feature can only be accessed via a user initiated click of a link within biNu, where it is clearly explained. We will never send SMS directly from the phone without the user's knowledge or consent.

Use of Information

Personal information provided to biNu is used only for the purpose for which it is submitted or for such other secondary purposes that are related to the primary purpose, unless we disclose other uses in this Privacy Policy or at the time of collection. Copies of correspondence received by us, that may contain personal information, are stored as archives for record-keeping and back-up purposes only.

biNu uses information for the following general purposes:


Apart from where you have consented or disclosure is necessary to achieve the purpose for which it was submitted, personal information may be disclosed in special situations where we have reason to believe that doing so is necessary to identify, contact or bring legal action against anyone damaging, injuring, or interfering (intentionally or unintentionally) with our rights or property, users, or anyone else who could be harmed by such activities. Also, we may disclose personal information when we believe in good faith that the law requires disclosure.

We may engage third parties to provide you with goods or services on our behalf. In that circumstance, we may disclose your personal information to those third parties in order to meet your request for goods or services.

biNu does not sell, rent or share your personal information with other companies or individuals or non-affiliated companies except following limited circumstances:

biNu might share certain limited information that does not identify you individually with third parties such as "men between the age of 18 and 65" for targeted advertisements or aggregated data, such as "number of users who used a particular application" for market research.


We strive to ensure the security, integrity and privacy of personal information submitted to our sites, and we review and update our security measures in light of current technologies. Unfortunately, no data transmission over the Internet can be guaranteed to be totally secure. However, we will endeavour to take all reasonable steps to protect the personal information you may transmit to us or from our online products and services. Once we do receive your transmission, we will also make our best efforts to ensure its security on our systems.

In addition, our employees and the contractors who provide services related to our information systems are obliged to respect the confidentiality of any personal information held by us. However, we will not be held responsible for events arising from unauthorised access to your personal information.

We have reasonable procedures in place to ensure that the personal information we process is accurate, complete, and current. However it is ultimately up to our users to update or correct their personal information whenever necessary.

Access to Information

We will endeavour to take all reasonable steps to keep secure any information which we hold about you, and to keep this information accurate and up to date. If, at any time, you discover that information held about you is incorrect, you may contact us to have the information corrected.

In addition, our employees and the contractors who provide services related to our information systems are obliged to respect the confidentiality of any personal information held by us.

Links to other sites

We provide links to Web sites outside of our web sites, as well as to third party Web sites. These linked sites are not under our control, and we cannot accept responsibility for the conduct of companies linked to our website. Before disclosing your personal information on any other website, we advise you to examine the terms and conditions of using that Web site and its privacy statement.

Changes to this Privacy Policy

biNu may update this policy from time to time. We will post any Privacy Policy changes on this page. Each version of this Privacy Policy is identified by its effective date at the top of this document.

Problems or questions

If we become aware of any ongoing concerns or problems with our web sites, we will take these issues seriously and work to address these concerns. If you have any further queries relating to our Privacy Policy, or you have a problem or complaint, please contact us.

Further Privacy Information

For more information about privacy issues in Australia and protecting your privacy, visit the Australian Federal Privacy Commissioner's web site. http://www.privacy.gov.au/