Security Policy
SECURITY POLICY
Cyber Security Statement
Cyber security is a key pillar of the NOW Finance strategy and is embedded in the ongoing operations of our business. Our strategy prioritises the proactive protection of our systems and customer data through the detection, analysis and response to potential threats and cyber incidents.
We strive to meet security best practices and apply up to date controls to protect customer data. We work with independent leaders in cyber security who regularly assess our approach against the latest in best practice standards. We maintain a formal cybersecurity program structured around the Australian Cyber Security Council’s Essential 8 and National Institute of Standards and Technology (NIST) Cybersecurity Frameworks.
Cyber security controls are in place to protect our services and customer data. These controls are regularly tested and updated. Controls include firewalls, virtual private networks, multi factor authentication, encryption, access control, email security, malware detection, application control, and endpoint detection.
Our systems are frequently patched with critical security vulnerabilities being addressed as soon as possible. Cyber security monitoring is in place 24×7 by a dedicated security team.
All our staff are regularly cyber-trained and tested. We have a strong culture of cyber awareness within the organisation.
For further information regarding NOW Finance cyber security, please reach us via email: security@nowfinance.com.au.
We strive to meet security best practices and apply up to date controls to protect customer data. We work with independent leaders in cyber security who regularly assess our approach against the latest in best practice standards. We maintain a formal cybersecurity program structured around the Australian Cyber Security Council’s Essential 8 and National Institute of Standards and Technology (NIST) Cybersecurity Frameworks.
Cyber security controls are in place to protect our services and customer data. These controls are regularly tested and updated. Controls include firewalls, virtual private networks, multi factor authentication, encryption, access control, email security, malware detection, application control, and endpoint detection.
Our systems are frequently patched with critical security vulnerabilities being addressed as soon as possible. Cyber security monitoring is in place 24×7 by a dedicated security team.
All our staff are regularly cyber-trained and tested. We have a strong culture of cyber awareness within the organisation.
For further information regarding NOW Finance cyber security, please reach us via email: security@nowfinance.com.au.
Important Information*
THINGS YOU SHOULD KNOW
Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees only apply to new NOW Finance personal loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Loan repayment terms range between 18 months to 7 years. For unsecured personal loans you can borrow between $5,000 to $50,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 26.95% p.a. (26.95% p.a. comparison rate*). For secured personal loans you can borrow between $15,000 to $100,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 21.65% p.a. (21.65% p.a. comparison rate*).
*ABOUT COMPARISON RATES
The Comparison Rate is designed to help you understand the overall cost of the personal loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rates for the NOW Finance loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. NOW Finance does not charge any fees so the Comparison Rate will always equal the interest rate quoted.
Representative example: For a borrower with excellent credit, an unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.75% p.a. (6.75% p.a. comparison rate), would estimate to a minimum total amount payable of $35,430 via the fortnightly payment option. Rates are subject to change. NOW Finance does not charge any additional fees for its personal loans, included but not limited to ‘Upfront Fees’, ‘Break Cost Fees’ or ‘Late Fees’.
ABOUT PERSONALISED QUOTES
Your personalised quote will provide you with an estimate of your interest rate and repayments. The final interest rate you are offered may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.
Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees only apply to new NOW Finance personal loans. If you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Loan repayment terms range between 18 months to 7 years. For unsecured personal loans you can borrow between $5,000 to $50,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 26.95% p.a. (26.95% p.a. comparison rate*). For secured personal loans you can borrow between $15,000 to $100,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 21.65% p.a. (21.65% p.a. comparison rate*).
*ABOUT COMPARISON RATES
The Comparison Rate is designed to help you understand the overall cost of the personal loan by taking into account fees and charges, the loan amount and the term of the loan. The comparison rates for the NOW Finance loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. NOW Finance does not charge any fees so the Comparison Rate will always equal the interest rate quoted.
Representative example: For a borrower with excellent credit, an unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.75% p.a. (6.75% p.a. comparison rate), would estimate to a minimum total amount payable of $35,430 via the fortnightly payment option. Rates are subject to change. NOW Finance does not charge any additional fees for its personal loans, included but not limited to ‘Upfront Fees’, ‘Break Cost Fees’ or ‘Late Fees’.
ABOUT PERSONALISED QUOTES
Your personalised quote will provide you with an estimate of your interest rate and repayments. The final interest rate you are offered may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.