Privacy Policy

This Privacy Policy explains how NOW collects, uses, stores and shares personal information when you access or use the NOW website, applications, tools, content and related services (collectively, the “Platform”).

“NOW”, “we”, “us” and “our” refer to the operator of the Platform. “You” and “your” refer to the person using the Platform.

By using the Platform, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you use NOW, we may collect the following categories of information.

Account and Contact Information

This may include:

your name;
email address;
telephone number;
country or location;
account credentials;
age or date-of-birth information where required; and
other information you provide when creating or maintaining an account.

Financial and Personal Information

You may choose to provide information relating to your financial circumstances, such as:

income and spending;
assets and liabilities;
savings and investments;
debts and financial commitments;
financial goals;
account balances;
transaction information; and
other information used by Platform tools or features.

Some information may be entered directly by you, imported from documents or received through supported third-party account connectivity.

Where bank connectivity is available, it is intended to operate on a read-only basis. NOW does not use such connections to initiate payments, move funds or execute trades.

Platform and Usage Information

We may collect information about how you interact with the Platform, including:

pages and features used;
login and access information;
activity within the Platform;
device and browser information;
IP address and general technical information;
preferences and settings; and
diagnostic, performance and security information.

Learning, Communication and Support Information

Where applicable, we may collect information relating to:

educational content you access;
course or programme activity;
notes, quizzes, assignments or similar learning activity;
communications with us;
support requests;
survey or feedback responses; and
participation in community or interactive features.

Automated and AI-Assisted Features

If you use automated or AI-assisted features, we may process information you submit to those features together with relevant Platform information necessary to provide the requested functionality.

This may include prompts, questions, instructions, information made available within the relevant feature and resulting outputs.

We do not treat automated outputs as professional financial, investment, legal or tax advice.

Payment Information

If you purchase a subscription or other service, payment information may be processed by third-party payment service providers.

NOW may receive information relating to the transaction, such as payment status, amount, currency, subscription information and transaction identifiers.

We generally do not need to store full payment-card details where these are processed directly by an authorized payment provider.

2. How We Collect Information

We may collect personal information:

directly from you;
automatically when you use the Platform;
from financial accounts or services you choose to connect;
from documents or information you choose to import;
from payment, technology or service providers;
from communications with you; and
from other sources where permitted by applicable law.

You are responsible for ensuring that information you provide is accurate and that you are entitled to provide it.

3. How We Use Personal Information

We may use personal information to:

create and manage your account;
provide and operate the Platform;
display and organize information provided by or for you;
provide educational, analytical, modelling or other Platform functionality;
process subscriptions and transactions;
personalize your Platform experience where appropriate;
respond to questions, requests and complaints;
provide customer and technical support;
maintain the security and integrity of the Platform;
identify and prevent fraud, misuse or unauthorized activity;
monitor and improve Platform performance and functionality;
communicate with you about the Platform;
comply with legal, regulatory and contractual obligations;
establish, exercise or defend legal claims; and
otherwise operate our services and business.

Where required by applicable law, we process personal information only where we have an appropriate legal basis, such as performance of a contract, compliance with a legal obligation, our legitimate interests or your consent.

4. Financial Information and Connected Accounts

Where you choose to connect a supported financial account, information may be obtained through a third-party connectivity provider.

Depending on the service available, this may include account information, balances, transaction information and related financial data.

NOW uses this information to provide relevant Platform functionality requested by you.

Account connectivity is subject to availability and may also be governed by the privacy terms and permissions of the relevant third-party provider or financial institution.

You may be able to disconnect an account or withdraw access through the Platform, the relevant provider or your financial institution, depending on the applicable service.

5. Automated Processing and AI

We may use automated systems or AI-assisted technologies to provide, support or improve certain Platform features.

Such processing may include assisting with information, education, navigation, research, modelling or other user-requested functionality.

Automated outputs may be incomplete, inaccurate or outdated and should be reviewed by you where appropriate.

Where required by applicable law, we will provide further information about any automated processing that produces legal or similarly significant effects on you.

NOW does not intend automated tools to make investment or trading decisions on your behalf.

We may share personal information where reasonably necessary with:

hosting, cloud and technology providers;
payment service providers;
financial connectivity and data providers;
analytics and Platform-support providers;
communication and customer-support providers;
AI or automated-technology providers;
professional advisers;
regulators, courts, law-enforcement authorities or other competent authorities where legally required; and
other parties involved in a corporate restructuring, merger, acquisition, financing, sale or transfer of all or part of the relevant business.

Service providers may only process information for the purposes for which they are engaged, subject to applicable contractual and legal requirements.

We do not sell personal information to advertisers.

We may also share information where you specifically instruct or authorize us to do so.

7. International Transfers

NOW and its service providers may process personal information in countries other than the country where you live.

Where applicable law requires additional safeguards for international transfers of personal information, we will use appropriate measures intended to protect the information, such as contractual protections or other recognized transfer mechanisms.

8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including to:

provide and maintain your account and services;
comply with legal, regulatory, tax or accounting obligations;
resolve disputes;
prevent fraud or misuse; and
establish or defend legal claims.

Retention periods may differ depending on the type of information, the nature of the service and applicable legal requirements.

Where information is no longer required, we may delete, anonymize or otherwise securely dispose of it in accordance with applicable requirements.

9. Security

We use reasonable administrative, organizational and technical measures designed to protect personal information from unauthorized access, loss, misuse, alteration or disclosure.

However, no internet-based service, data transmission or storage system can be guaranteed to be completely secure.

You are responsible for maintaining the confidentiality of your account credentials and should notify us if you believe your account has been compromised.

10. Your Privacy Rights

Depending on where you live and the laws that apply to you, you may have rights regarding your personal information, including the right to:

request access to your personal information;
request correction of inaccurate or incomplete information;
request deletion of personal information;
restrict or object to certain processing;
withdraw consent where processing is based on consent;
request portability of certain information;
object to certain direct marketing;
request information regarding applicable automated processing; and
lodge a complaint with an appropriate data-protection authority.

These rights are subject to applicable legal conditions, limitations and exemptions.

We may need to verify your identity before responding to a request.

Requests may be submitted using the contact or privacy channels made available through the Platform.

11. Communications and Marketing

We may send you communications relating to your account, subscriptions, security, transactions, Platform changes and other service-related matters.

Where permitted by applicable law, we may also send promotional or marketing communications.

You may unsubscribe from marketing communications using the unsubscribe mechanism provided in the relevant communication or through other available preference controls.

You may continue to receive non-marketing communications that are necessary for the operation of your account or services.

12. Cookies and Similar Technologies

We may use cookies and similar technologies to operate the Platform, maintain security, remember preferences, understand Platform usage and improve our services.

We record a device identifier and how the form was filled, to stop fake registrations.

Where required by applicable law, non-essential cookies or similar technologies will be used only with the required consent.

Additional information may be provided in our Cookie Policy or through the cookie-preference controls made available on the Platform.

13. Third-Party Services and Links

The Platform may contain integrations with or links to third-party services.

Third parties operate under their own privacy policies and practices. We are not responsible for how an independent third party handles personal information outside our control.

You should review the privacy information provided by relevant third parties before using their services.

14. Children's Privacy

The Platform is intended for persons aged 18 or older.

We do not knowingly provide the Platform to children under 18.

If we become aware that personal information has been collected from a person who is not eligible to use the Platform, we may take reasonable steps to delete the information or close the relevant account, subject to applicable law.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in:

the Platform;
our privacy practices;
applicable laws or regulatory requirements; or
the services and technologies we use.

Changes to Platform features, interfaces, service providers or technology do not necessarily require an amendment to this Privacy Policy where the nature and purposes of the processing remain materially the same.

Where required by applicable law, we will provide appropriate notice of material changes.

The “Last Updated” date above indicates when this Privacy Policy was most recently revised.

16. Contact Us

If you have questions, concerns or requests relating to this Privacy Policy or the handling of your personal information, you may contact us using the privacy or support contact details made available through NOW.