Last updated: 23 September 2026
How kn0w collects, uses, stores and protects personal data. KN0W PTE. LTD. is the data controller. This Policy covers the website, our contacts, and the engagement data we process for a customer to produce its Automation Report.
kn0w issues the Automation Report. It states how much of a company is automated, what that costs, and whether it is working, for the board. Its customers are FinTech and HealthTech companies.
Two entities operate kn0w.
KN0W PTE. LTD. (UEN 202615303G) is incorporated in Singapore. Its registered office is 160 Robinson Road, #14-04, Singapore Business Federation Center, Singapore 068914. It is the data controller for all personal data described in this Policy, and the sole contracting party for every kn0w engagement.
kn0w LLC (Wyoming, USA, Registration ID 2026-001947286) is a technical sub-processor. It runs kn0w’s cloud infrastructure on the instructions of KN0W PTE. LTD., under a written Sub-Processor Agreement. It makes no independent decisions about your data.
In this Policy, “kn0w”, “we”, “us” and “our” mean KN0W PTE. LTD. as controller. “Customer” means a company that has commissioned an Automation Report.
This Policy covers two categories of personal data.
Website and contact data. Personal data we collect when you visit kn0w.co, contact us, subscribe to updates, complete one of our free online self-assessment tools, or deal with us as a prospective or current customer contact.
Engagement data. Personal data we collect from a customer’s personnel to produce the Automation Report, a Quarterly Review or the Annual Report. It includes written form responses and recorded voice sessions.
The Data Contribution Agreement (“DCA”) governs engagement data in detail. Each customer signs it before any engagement data is collected. The DCA sets out how engagement data is processed for that customer. This Policy is the privacy-law notice that sits over it. Customers also receive a plain-English collection notice at the point each category of data is collected.
This Policy does not cover the anonymised Benchmark Dataset, which contains no personal data (see Section 7).
From website visitors and contacts:
From customer personnel during an engagement:
We collect engagement data only after the customer has signed the DCA. The platform enforces this. It is not a manual step.
| Purpose | Data | Legal basis |
|---|---|---|
| Responding to enquiries and providing the website | Website and contact data | Legitimate interests |
| Delivering the Automation Report, Quarterly Reviews and Annual Reports | Engagement data | Performance of contract (the DCA); legitimate interests |
| Producing each customer’s kn0w Score, readings, findings and issued reports | Engagement data | Performance of contract |
| Building the anonymised Benchmark Dataset | Engagement data, anonymised before use (Section 7) | Legitimate interests; consent given in the DCA |
| Billing and account administration | Account and billing data | Performance of contract; legal obligation |
| Marketing communications you have opted into | Contact details | Consent |
| Security, event logging and legal compliance | All categories | Legal obligation; legitimate interests |
kn0w uses AI models to conduct the voice sessions, and to write the narrative for each reading and draft findings. Three commitments apply.
A deterministic scoring engine produces the kn0w Score. It applies fixed weights to the responses gathered during an engagement. The output is a finding about how much of a company is automated, what that costs and whether it is working. It is stated as the kn0w Score, a band and six readings.
This output does not, by itself, produce a legal or similarly significant effect on any individual. It is a finding about a company, not a decision about a person. Every issued report and Annual Report passes a mandatory human approval step before release. No report is issued to a customer on a purely automated basis. A customer may ask us about the basis of any finding through the contacts in Section 18.
This Section describes the verified Benchmark Dataset built from customer engagement data. Elsewhere on our site it is called the peer data.
kn0w also keeps a separate, indicative benchmark pool built from the free self-assessment responses in Section 3. That pool is global, not by country. It is built only from anonymised, aggregated, self-reported answers that carry no identity. It applies the same minimum of five companies (k=5) before any comparison is shown. It never feeds the verified percentiles described below. The two are kept apart.
The Benchmark Dataset places each customer against its peers. It is built as follows.
kn0w may license the anonymised, aggregated Benchmark Dataset to institutional partners. This data carries no customer identity and is not personal data, so licensing it does not disclose your personal data.
In this Policy, “company-identifiable data” means engagement data that identifies, or can reasonably be linked to, a customer or an individual within it, before it passes through the anonymisation process in Section 7.
Company-identifiable data is stored in regional databases. It never leaves its home region except through the single anonymising pathway in Section 7.
kn0w currently operates in Australia. As kn0w expands to new markets, company-identifiable data for each market will be stored in-region. Before customers in a new market are onboarded, this Policy will be updated with that region and any additional transfer safeguards.
kn0w currently operates in Australia. Australian company-identifiable data is stored and processed in Australia (AWS Sydney). It does not leave Australia except through the anonymisation process in Section 7. Only anonymised aggregate data, which is not personal data, is written to the United States benchmark store.
Any disclosure of personal information to overseas recipients is limited to the arrangements in Sections 7, 8, 10 and 11, and is addressed under the Australian Privacy Principles in Annex A. Overseas recipients include the United States, where kn0w LLC operates infrastructure, and Singapore, where KN0W PTE. LTD. acts as controller.
When kn0w onboards customers in other jurisdictions, this Section will be updated with the transfer mechanisms for those jurisdictions before any of their customer data is collected.
kn0w LLC operates kn0w’s cloud infrastructure. It is a US entity and may be subject to the US CLOUD Act. We state this rather than claim it does not apply. It cannot be removed as a matter of law. It is managed.
Under the Sub-Processor Agreement, kn0w LLC must: (a) notify KN0W PTE. LTD. when it receives any legal demand for customer data; (b) challenge or seek to narrow any such request where the law allows; and (c) not disclose customer data without the direction of KN0W PTE. LTD., except where legally compelled.
We do not sell personal data. We share it only with the following.
| Provider | Function | Personal data involved |
|---|---|---|
| Amazon Web Services (AWS), operated by kn0w LLC | Cloud infrastructure, including in-region AI processing through Amazon Bedrock and the voice pipeline (Amazon Transcribe and Amazon Polly) | Engagement data, including voice recordings and transcripts |
| Outseta | Accounts, authentication and billing | Website and contact data; account data |
| Typeform | Written forms | Engagement data; enquiry data |
| SignWell | Contracts and consent (DCA, proposals) | Contact data |
| Webflow | Website and customer portal front-end | Website and contact data |
| Vanta | Compliance monitoring | Limited operational data |
This table is the current list of service providers. Changes are reflected here, and the list is available on request.
| Data | Retention |
|---|---|
| Raw company-identifiable engagement data | Length of the relationship plus 12 months, then deleted automatically |
| Voice session audio | Deleted within 30 days of the session |
| Anonymised aggregate benchmark data | Kept indefinitely (not personal data) |
| Issued reports and Annual Reports | The issued report is kept permanently as a record. Company-identifiable detail in the underlying working data is redacted 12 months after the relationship ends |
| Website enquiry and marketing data | 24 months from last contact, unless you ask us to delete it sooner |
| Server-level connection data (such as IP address in infrastructure logs) | Kept in our infrastructure provider’s logs only as long as needed to deliver and secure the site, then deleted |
| Billing records | As required by applicable tax and corporate law |
Deletion and redaction of engagement data are automated and logged.
Our security controls include regional data isolation with hard boundaries, encryption at rest and in transit, least-privilege access, append-only logging of lifecycle events, automated deletion and infrastructure monitoring. The same controls run on every regional instance and for every customer.
kn0w is pursuing SOC 2 Type II and ISO 27001 certification. Neither is held yet, and we will not claim either until it is. Our security controls and certification status are set out at kn0w.co/security.
If a personal data breach occurs that is likely to put your rights at risk, we will notify the relevant supervisory authority and the affected individuals where, and within the timeframes, the law in your jurisdiction requires. Our internal logging and monitoring are designed to support prompt detection and review.
Our public website (kn0w.co) sets no cookies. It uses no analytics cookies, no advertising cookies and no third-party tracking pixels. You can browse the public site without any cookie being placed on your device and without being tracked. Our website infrastructure provider delivers page content, fonts and scripts without setting cookies. It may process server-level connection data, such as IP address, only as needed to deliver and secure the site.
Our customer portal (app.kn0w.co) is available only after you sign in. As a secure, authenticated application, it uses a small number of strictly necessary cookies. They are not used for advertising or cross-site tracking.
| Cookie type | Purpose | Set by |
|---|---|---|
| Session / authentication | Keeps you signed in during a session and links you to your customer account | Our account and authentication provider |
| Security (for example, CSRF token) | Protects against cross-site request forgery and similar attacks | Our application |
If we introduce non-essential cookies, we will update this Section and, where required, ask for your consent first.
You have rights over your personal data. What they are, and how to exercise them, depends on where you are. The annexes below set out the detail by jurisdiction. In every case you can contact us at privacy@kn0w.co, and we will respond within the timeframe your jurisdiction’s law requires.
If you are personnel of a customer, some rights interact with the customer’s DCA, for example deletion of engagement data mid-engagement. We will coordinate with the customer where the law permits.
We handle personal information of Australian individuals under the Australian Privacy Principles (APPs) in the Privacy Act 1988 (Cth). You may ask to access or correct your personal information by contacting us. We will respond within a reasonable period.
If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (oaic.gov.au).
Australian customer data is hosted in Australia (AWS Sydney). Consistent with APP 8, any disclosure of personal information to overseas recipients is limited to the arrangements in Sections 7 to 11. Overseas recipients include Singapore, where KN0W PTE. LTD. acts as controller, and the United States, where kn0w LLC is incorporated and the anonymised Benchmark Dataset is held. Where a service provider in Section 11 operates from another location, we will identify that location on request.
KN0W PTE. LTD. complies with the Personal Data Protection Act 2012 (PDPA). You may ask to access or correct your personal data, or withdraw consent, by contacting us at privacy@kn0w.co. If you are not satisfied with our response, you may complain to the Personal Data Protection Commission (pdpc.gov.sg).
kn0w currently operates in Australia. If you are outside Australia, we apply the protections in this Policy as a baseline. We honour rights of access, correction and deletion to the extent your local law provides. Before kn0w onboards customers in new markets, including the United Kingdom and the EEA, we will add the rights and transfer mechanisms for those jurisdictions to this Policy.
kn0w’s services are provided to companies and are not directed at children. We do not knowingly collect personal data from anyone under 18.
We may update this Policy. We will notify customers of material changes directly and reflect them in the “Last updated” date above. Where a material change affects website visitors or contacts, we will also post notice on this page. Prior versions are available on request.