> For the complete documentation index, see [llms.txt](https://now-8.gitbook.io/now.-features/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://now-8.gitbook.io/now.-features/account-and-settings/privacy-and-data.md). # Privacy & Data This page is a short summary of how now. handles your data. The full **Privacy Policy** is available inside the app under **Settings → Privacy Policy**, and the canonical document linked there is the authoritative source. #### Your Data Belongs to You Your bookkeeping data is yours. now. stores it on its servers so the app can sync across devices, but you can export reports as images at any time and you can delete your account — which permanently removes everything we hold for you. #### Bank Credentials now. **never sees, stores, or has access to your bank login credentials**. Authentication happens between you and Plaid using Plaid's secure interface. now. only receives an encrypted access token that lets it pull transaction data on your behalf. #### Third-Party Processors now. uses a small number of trusted services to deliver the app. Each has a specific role: | Service | What it does | | ------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Plaid** | Connects you to your financial institutions and delivers transaction and account data. Plaid manages your bank login directly with your bank — now. never sees your credentials. | | **OpenAI** | Powers AI auto-categorization and the Eon voice assistant. Transaction descriptions, amounts, and your Chart of Accounts (and, for Eon, the text of your question and the relevant financial context) are sent to OpenAI's API for processing. **OpenAI does not use API data to train its models**, per its enterprise data policies. | | **Supabase** | The backend infrastructure for now.: authentication, database, file storage, and server-side functions. Your data is stored on Supabase's infrastructure with row-level security so only you can access your records. | | **Apple** | Subscription billing through StoreKit, on-device speech recognition, on-device text-to-speech (as a fallback for Eon), MapKit address autocomplete, biometric authentication, and crash/performance reports for users who opt in. | | **Superwall** | Manages paywall presentation. Your user identifier is shared with Superwall for paywall configuration; financial data is not. | #### What now. Sends to OpenAI For AI categorization: transaction descriptions, amounts, Plaid-derived hints, and your Chart of Accounts list. Bank credentials, full account numbers, and personal identifying details are not sent. For Eon: the text of your question (after on-device speech recognition) and the financial context needed to answer (account balances, recent transactions, summaries). OpenAI processes API data under enterprise data policies and **does not** use it to train models. now. does not use your financial data to train any AI models. #### Voice Data * The wake word "Hey Eon" is detected using Apple's on-device Speech Recognition framework. * When you speak to Eon, Apple's framework converts your audio to text. Apple may process this on-device or transmit short audio buffers to its own servers depending on your device and language. Audio is **not** transmitted to the now. servers. * Voice responses are generated by OpenAI's text-to-speech (with Apple's on-device voice as fallback) and played on your device. * Raw audio recordings are not stored. #### Strict Per-User Categorization AI categorization is strictly scoped to your own account. No categorization decision is ever based on, derived from, or influenced by any other user's transactions, vendors, customers, accounts, or categorizations — anonymized or otherwise. The AI only sees your own history, your own vendors and customers, your own chart of accounts, a built-in static merchant library (a fixed list with no user data), and Plaid's own category hints. #### Biometrics Stay on Your Device Face ID, Touch ID, and Optic ID checks are performed entirely on your iPhone by Apple's LocalAuthentication framework. Your biometric template never leaves your device, and now. never receives, stores, or processes it. #### Account Deletion Deleting your account permanently removes your data from the now. servers and revokes the bank access tokens stored for you. See Account & Security. #### Full Privacy Policy For details on what's collected, how long it's retained, your rights, and how to contact us about your data, read the full **Privacy Policy** inside the app (**Settings → Privacy Policy**). #### Related * AI Auto-Categorization * Eon, the Voice Assistant * Account & Security * Connecting Your Bank --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. 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