Article written by InvestNow – February 2026

At InvestNow, the safety and security of our client’s investments is our top priority.

Technology

There are several layers of protection which minimise the risk of anyone being able to access your account without authorisation.

For the platform, supplied by our custodian Adminis, all data is stored in encrypted disks and servers and requires Multi Factor Authentication (MFA) to access all systems. User permissions and access levels are regularly reviewed; all access logged; and business continuity is tested, along with disaster recovery and backup processes. Independent security consultants carry out regular penetration testing of the platform and the associated IT and security policies are reviewed annually.

Providing an additional level of security, all InvestNow customers must also use MFA to access their accounts. We offer three MFA options to receive the unique passcodes for logging in – email, SMS (text message) or the use of an Authenticator App.

In addition, we verify the bank account you use for any withdrawal, ensuring it is the one you have provided as your nominated account.

Online security tips:

Online security best practices today include (includes links to resources such as Netsafe & CERT NZ):

1. Use a password manager to keep your passwords safe in one place.
2. Switch on MFA to add an extra layer of security (this is mandatory for InvestNow customers).
3. Use updated Anti-Virus Software.
4. Activate a Pop-Up Window Blocker, which may also include adjusting the settings to allow pop-ups from trusted websites and sources.
5. Regularly scan your computer for Spyware.
6. Only download programs or click links from known and trusted sources.
7. Keep your devices and apps updated – updates aren’t just about adding new features, they’re also about fixing vulnerabilities.
8. Be cautious about using a public WiFi network, as insecure WiFi networks can allow other people to see your data.

Additional steps to take, specific to your InvestNow account:

1. Choose a strong, unique password – we require a minimum of eight characters and a mix of upper and lower case characters, numbers and symbols. In general, longer passwords are more secure (see above re using a password manager).
2. Log in to your account from time to time and check for any unusual activity.
3. If you log in and go to Account Settings > My Details, you can change your login security preference. Our recommendation is that you use an Authenticator App to receive your Passcode each time you log in.

For more information, you can check Netsafe’s guide to staying safe online.

How We Keep Your Money Safe

While this article focuses on digital and account‑level security, will also apply additional levels of protection through independent custody, daily reconciliations, and ring‑fenced client asset structures. Learn more about how your money is safeguarded here.

Further reading

• Account Security Guide
• How to Protect Your Computer
• Avoiding Investment Scams

Disclaimer:

This information is provided by InvestNow Saving and Investment Service Limited (“InvestNow”). The information and any opinions in this publication are based on sources that InvestNow believes are reliable and accurate. InvestNow, its directors, officers and employees make no representations or warranties of any kind as to the accuracy or completeness of the information contained in this publication and disclaim liability for any loss, damage, cost or expense that may arise from any reliance on the information or any opinions, conclusions or recommendations contained in it, whether that loss or damage is caused by any fault or negligence on the part of InvestNow, or otherwise, except for any statutory liability which cannot be excluded. All opinions and market commentary reflect InvestNow’s judgment on the date of this publication and are subject to change without notice. This disclaimer extends to any entity that may distribute this publication. The information in this publication is not intended to be financial advice for the purposes of the Financial Markets Conduct Act 2013, as amended by the Financial Services Legislation Amendment Act 2019. In particular, in preparing this document, InvestNow did not take into account the investment objectives, financial situation and particular needs of any particular person. Professional investment advice from an appropriately qualified adviser is recommended before making any investment. All Investments involve risk. Examples of specific fund performance are for illustrative purposes only and are not intended as a recommendation. Past performance is not a reliable indicator of future results.