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Privacy Policy

Last updated: 10 April 2026

1. Introduction

Now (AUST) Pty Ltd (ABN 59 111 630 963) ("we", "us", "our") is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our credit file ordering service at this website.

We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and, where applicable, the Privacy (Credit Reporting) Code 2014.

2. Information We Collect

2.1 Personal Information You Provide

When you place a credit file order, we collect:

  • Full name, date of birth, email address, and mobile phone number
  • Residential address and time at current address
  • Employment details (occupation, employer, start date)
  • Identity documents (driver's licence details, passport, Medicare, or other government-issued ID)
  • Copies of identity documents (uploaded images)
  • Electronic signature
  • Broker referral details (if applicable)
  • Payment information (processed securely by Stripe; we do not store your card number)

2.2 Information Collected Automatically

We automatically collect certain technical and usage data to improve our service and prevent fraud:

  • IP address and approximate geographic location
  • Browser type, operating system, device type, and screen resolution
  • Pages visited, time on page, scroll depth, and click patterns (heatmap data)
  • Referral source and marketing campaign parameters (UTM tags)
  • A persistent visitor identifier stored in a cookie to remember returning visitors

2.3 Cookies

We use first-party cookies to:

  • Remember your form data so you don't need to re-enter it on return visits
  • Track your session for security and fraud prevention
  • Analyse how visitors use our service to improve the user experience
  • Attribute marketing campaigns to measure effectiveness

We do not use third-party advertising or tracking cookies. Our cookies are retained for up to 2 years. You can disable cookies in your browser settings, but this may affect the functionality of our service.

3. How We Use Your Information

We use your personal information to:

  • Process your order - Submit credit file requests to the relevant credit reporting bodies (Equifax, Illion, CreditorWatch) on your behalf
  • Verify your identity - Confirm you are who you say you are, as required by credit reporting legislation
  • Process payments - Securely charge your credit/debit card via our payment processor (Stripe)
  • Communicate with you - Send order confirmations, updates, and respond to enquiries
  • Improve our service - Analyse usage patterns, fix issues, and optimise the user experience
  • Prevent fraud - Detect and prevent fraudulent or automated submissions
  • Comply with legal obligations - Meet our obligations under Australian law

4. How We Share Your Information

We may share your personal information with:

  • Credit reporting bodies (Equifax, Illion, CreditorWatch) to process your credit file request
  • Payment processors (Stripe) to process your payment securely
  • Your nominated broker (if you authorised broker sharing on the order form)
  • Our CRM system (GoHighLevel) for order management and customer service
  • Professional advisors (lawyers, accountants) if required
  • Law enforcement or regulators if required by law or to protect our legal rights

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, including:

  • SSL/TLS encryption for all data in transit
  • Secure server infrastructure with access controls
  • Payment card data processed by PCI-DSS compliant payment processor (Stripe) - we never store your card number
  • Identity document uploads stored in access-restricted directories
  • Role-based access controls for staff accessing order data
  • Audit logging of all administrative access to order records

6. Data Retention

We retain your personal information for as long as necessary to:

  • Fulfil the purpose for which it was collected
  • Comply with our legal and regulatory obligations
  • Resolve disputes and enforce our agreements

Order records are retained for a minimum of 7 years for tax and compliance purposes. Identity document images may be deleted after your order has been fulfilled, or retained if required for dispute resolution.

7. Your Rights

Under the Australian Privacy Principles, you have the right to:

  • Access your personal information held by us
  • Correct any inaccurate or out-of-date information
  • Request deletion of your personal information (subject to our legal obligations)
  • Complain if you believe your privacy has been breached

To exercise any of these rights, contact us using the details below.

8. Complaints

If you believe we have breached your privacy, please contact us first so we can try to resolve the issue. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.

9. Contact Us

Privacy Officer
Now (AUST) Pty Ltd
Suite 12, 104 Gympie Road, Strathpine QLD 4500
PO Box 7228, Brendale QLD 4500
Phone: 07 3613 9700
Email: info@now.net.au

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.