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Terms of use

These Terms of Use (“Terms”) govern your access to and use of the NOW website, applications, subscriptions, content, tools 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 accessing or using the Platform.

By creating an account, purchasing a subscription or otherwise accessing or using the Platform, you confirm that you have read, understood and agreed to these Terms. If you do not agree to these Terms, you should not use the Platform.

1. Eligibility and Account

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Platform.

You agree to provide accurate and current information when creating and maintaining your account. You are responsible for keeping your login credentials secure and for activity carried out through your account.

Your account is personal to you and may not be sold, transferred or shared with another person without our permission.

You must notify us promptly if you become aware of any unauthorized access to or use of your account.

2. About NOW

NOW is an educational platform that provides access to educational content, information, digital tools and related services.

Certain features may allow users to provide, organize, view or explore information, use educational or analytical tools, consider hypothetical scenarios, or access learning, research and other related services.

The availability, functionality and scope of particular features may vary depending on your subscription, location and the version of the Platform available to you.

Descriptions of the Platform are general in nature and do not guarantee that every feature or service will be available to every user at all times.

3. Educational Purpose and No Advice

The Platform is provided for educational and informational purposes only.

Neither NOW nor its content, tools, educators, representatives, automated features or other services provide personalized financial, investment, trading, legal or tax advice.

NOW does not recommend:

  • any security, asset or financial product;

  • any asset allocation;

  • any particular transaction;

  • whether you should buy, sell or hold an investment; or

  • whether any financial or investment decision is suitable for you.

NOW does not provide price targets or trade signals and does not make financial, investment or trading decisions on your behalf.

Information available through the Platform should not be treated as a substitute for appropriately licensed professional advice.

You remain responsible for your own decisions and should obtain independent professional advice where appropriate.

4. Disclaimers and Risk

Certain Platform features may provide estimates, illustrations, scenarios, simulations, projections, calculations or other modelled results.

Any such result depends on the information, assumptions, inputs and parameters used. It illustrates what may occur under the relevant assumptions and does not represent a forecast, probability, promise or guarantee of an actual or future outcome.

Figures may be rounded for presentation purposes. Actual financial circumstances, market conditions, costs, income, expenses and other relevant factors may differ materially from the assumptions or information used within the Platform.

Historical information and past performance do not guarantee or predict future results.

Information, market data, company information, automated content and other material available through the Platform may contain errors, delays, omissions or inaccuracies. You should independently verify information where appropriate.

Investing and trading involve risk, including the possible loss of capital. Leverage can amplify losses.

NOW does not guarantee any financial, investment, trading, income, business or other particular outcome from use of the Platform.

5. Financial Information and Account Connections

Where available, the Platform may allow you to provide or import financial information or connect supported external financial accounts through third-party services.

Any account connectivity offered by NOW is intended to be read-only unless expressly stated otherwise.

NOW does not use such connectivity to initiate payments, transfer money, execute trades or otherwise control your financial accounts.

Information received from you or through third-party sources may occasionally be incomplete, delayed or inaccurate. You are responsible for reviewing information used within the Platform and confirming that it appropriately reflects your circumstances.

Your use of third-party account connectivity or financial-data services may also be subject to separate terms and privacy notices.

6. Automated and Information Tools

The Platform may include automated, AI-assisted, research, educational or other information tools.

Outputs produced through such tools may contain errors, omissions, outdated information or unexpected results and should not be treated as professional advice or as a substitute for your own judgment.

Such tools do not determine whether an investment, financial product or transaction is suitable for you.

You remain responsible for reviewing information and making your own decisions.

7. Subscriptions and Payments

Certain Platform features or services may require a paid subscription.

The applicable price, subscription period, payment terms and material features included in your purchase will be shown before or at checkout.

Where automatic renewal applies, the applicable renewal arrangement will be disclosed as part of the purchase process.

You authorize us or our payment service providers to charge the payment method selected by you for amounts properly due in connection with your purchase or subscription.

Applicable taxes may be charged where required by law.

We may offer different subscriptions, access periods, packages, promotions or pricing from time to time.

8. Cancellation and Refunds

You may cancel your subscription using the cancellation method made available through the Platform or your account.

Any applicable refund period, money-back offer or other refund arrangement will be governed by the conditions disclosed at the time of purchase.

Unless otherwise stated or required by applicable law, cancellation prevents future renewal but does not automatically entitle you to a refund for a period already purchased.

Nothing in these Terms limits any mandatory cancellation, refund or withdrawal rights available to you under applicable law.

9. Acceptable Use and User Conduct

You must use the Platform lawfully and only for its intended purposes.

You must not:

  • use the Platform for unlawful, fraudulent, abusive or misleading activity;

  • interfere with the operation, security or integrity of the Platform;

  • attempt to gain unauthorized access to any account, system or data;

  • sell, share or misuse access to your account;

  • scrape, systematically extract or commercially reproduce Platform content or data without authorization;

  • reverse engineer, circumvent or attempt to reproduce protected Platform functionality, except where permitted by applicable law;

  • introduce malware, malicious code or other harmful material;

  • impersonate another person or misrepresent your identity;

  • misuse any communication, community, automated, educational or information functionality;

  • infringe intellectual property, privacy or other rights of another person; or

  • use the Platform in a manner that may damage NOW, another user or a third party.

We may investigate suspected misuse and take reasonable measures to protect the Platform, our users and third parties.

10. Intellectual Property Rights

All intellectual property rights in and relating to the Platform, including its software, technology, branding, design, content, educational materials, databases, interfaces and tools, are owned by or licensed to NOW.

Subject to these Terms and your applicable subscription, we grant you a limited, personal, non-exclusive, non-transferable and revocable right to access and use the Platform for its intended purposes.

You may not, without authorization, copy, reproduce, modify, distribute, sell, sublicense, commercially exploit or create derivative works from the Platform or its content, except where expressly permitted by NOW or applicable law.

Nothing in these Terms transfers ownership of any NOW intellectual property to you.

11. User Content and Information

You retain ownership of information and content that you provide through the Platform.

You grant NOW the rights reasonably necessary to host, process, organize, display and otherwise use such information for the purposes of providing, maintaining, supporting and improving the Platform, subject to our Privacy Policy.

You are responsible for ensuring that information or content you provide is lawful and does not infringe another person's rights.

12. Third-Party Services

The Platform may use, integrate with, depend upon or provide access to third-party services, technology, data, content or websites.

Third-party services are operated independently and may be subject to their own terms, conditions and privacy practices.

We do not control third-party services and cannot guarantee their continued availability, accuracy, security or performance.

To the extent permitted by applicable law, NOW will not be responsible for losses arising solely from the independent acts, omissions or failures of a third-party service provider.

13. Changes to the Platform and Terms

NOW may update, improve, modify, replace, restrict, suspend or discontinue features, content, subscriptions or other parts of the Platform from time to time.

Platform features, interfaces, methodologies, tools and functionality may evolve over time without requiring an amendment to these Terms, provided that the fundamental nature of the service and any mandatory rights available to you are not materially affected.

We may also revise these Terms to reflect changes to the Platform, our business practices, legal or regulatory requirements or other legitimate reasons.

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

The version of the Terms then in effect will apply to your continued use of the Platform, subject to any mandatory rights available to you.

14. Suspension and Termination

We may suspend, restrict or terminate your access to all or part of the Platform where reasonably necessary, including where:

  • you breach these Terms;

  • amounts properly due remain unpaid;

  • we reasonably suspect fraud, abuse, misuse or unauthorized activity;

  • your use presents a security, legal or regulatory risk;

  • your use may harm NOW, another user or a third party;

  • we are required to do so by law, court order or competent authority; or

  • the relevant service or part of the Platform is discontinued.

We may also withdraw or discontinue the Platform or any material service where reasonably necessary, subject to any rights available to you under applicable law.

You may stop using the Platform at any time and may cancel a paid subscription in accordance with the applicable cancellation terms.

Termination does not affect any rights or obligations that arose before termination.

15. Disclaimer of Warranties

The Platform is provided on an “as available” basis.

To the maximum extent permitted by applicable law, we do not warrant or guarantee that the Platform or its content will always be uninterrupted, secure, error-free, complete, accurate, current or suitable for any particular purpose.

We do not guarantee the continued availability, accuracy or performance of any third-party service, data source or external system.

Nothing in these Terms excludes any warranty, statutory right or consumer protection that cannot lawfully be excluded.

16. Limitation of Liability

To the maximum extent permitted by applicable law, NOW and its affiliates, officers, employees, representatives and service providers will not be liable for any indirect, incidental, special, consequential, exemplary or similar loss arising out of or relating to the Platform or your use of it.

This includes, where legally permitted, loss of profits, revenue, business opportunities or data, and financial, investment or trading losses resulting from decisions made by you.

To the maximum extent permitted by applicable law, NOW's total aggregate liability arising out of or relating to the Platform or these Terms will not exceed the total amount paid by you for the relevant NOW services during the 12 months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits:

  • liability that cannot lawfully be excluded or limited; or

  • any mandatory consumer right or remedy available to you.

17. Indemnity

To the extent permitted by applicable law, you agree to indemnify and hold NOW harmless against claims, liabilities, losses, damages and reasonable costs arising directly from:

  • your unlawful or fraudulent use of the Platform;

  • your material breach of these Terms;

  • your infringement of another person's rights; or

  • abusive or unauthorized activity through your account resulting from your acts or omissions.

18. Force Majeure

NOW will not be responsible for delay, interruption or failure to perform caused by circumstances reasonably beyond our control.

Such circumstances may include natural disasters, war, civil disturbance, governmental or regulatory action, telecommunications or internet failure, power outages, cyber incidents, labour disruption, or failures affecting banking, data, technology or other third-party services.

19. Privacy

Our collection and use of personal information is governed by the NOW Privacy Policy.

Where applicable, further information regarding cookies and similar technologies is provided through our Cookie Policy and related consent controls.

20. Governing Law

These Terms and any dispute arising out of or relating to them shall be governed by the laws of the United Arab Emirates as applicable in the Emirate of Dubai, without regard to conflict-of-law principles.

Nothing in these Terms is intended to deprive a consumer of any mandatory protection or right available under applicable law that cannot lawfully be excluded or waived.

21. Dispute Resolution

21.1 Informal Resolution

Before commencing court proceedings, the party raising a dispute should provide the other party with written notice containing reasonable details of the dispute and, where appropriate, the relief sought.

The parties shall attempt in good faith to resolve the dispute through discussions between representatives authorized to resolve the matter.

Such discussions may take place by telephone, video conference or any other mutually acceptable means.

If the dispute has not been resolved within 15 calendar days after receipt of the written notice, either party may proceed in accordance with Section 21.2.

21.2 Court Proceedings

Subject to any mandatory rights available under applicable consumer law, the courts of Dubai, United Arab Emirates shall have exclusive jurisdiction over any dispute arising out of or relating to the Platform or these Terms.

22. Class Action Waiver

To the extent permitted by applicable law, any dispute arising out of or relating to these Terms or the Platform must be brought on an individual basis and not as part of any class, collective, representative or consolidated proceeding.

Nothing in this section limits any right that cannot lawfully be waived under applicable law.

23. General

Entire Agreement. These Terms, together with any policies or specific terms expressly incorporated into them, constitute the entire agreement between you and NOW concerning your use of the Platform and supersede prior understandings relating to the same subject matter.

Severability. If any provision of these Terms is held to be invalid, unlawful or unenforceable, the remaining provisions will remain in full force and effect.

No Waiver. Any failure or delay by NOW in exercising or enforcing a right under these Terms does not constitute a waiver of that right or any other right.

Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. NOW may assign or transfer its rights and obligations in connection with a merger, restructuring, sale, transfer of business or similar transaction, subject to applicable law.

Survival. Provisions which by their nature are intended to continue after termination, including provisions concerning intellectual property, disclaimers, limitation of liability, indemnity and dispute resolution, will survive termination.

Electronic Communications. You agree that notices, disclosures, agreements and other communications relating to NOW may be provided electronically, including through the Platform or by email, subject to applicable law.

Notices. Notices to you may be sent to the contact details associated with your account or provided through the Platform. Notices to NOW may be submitted using the contact details or support channels made available through the Platform.

Third-Party Rights. Except where expressly stated otherwise or required by applicable law, no person who is not a party to these Terms has any right to enforce them.

24. Contact

If you have any questions, complaints or concerns regarding these Terms or the Platform, you may contact us using the support or contact channels made available through NOW.

NOW provides financial education and planning tools only. It is not financial, investment, tax or legal advice, and NOW does not hold your money or place trades. Projections and examples are illustrations based on assumptions and historical data, not promises of future results. Consider speaking to a qualified professional before making financial decisions.