Privacy Policy
How we collect, use and protect your information.
Effective date: 18 September 2026.
Who we are
SaversStandard (saversstandard.com) is operated by Four Nine Nine Ltd, 3rd Floor, 86-90 Paul Street, London EC2A 4NE, United Kingdom. Contact: contact@499group.com. SaversStandard publishes guides about insurance and personal finance and arranges free quotes; it is not an insurance carrier, agency or financial advisor. This policy explains what we collect on this site, how it is used and shared, and the choices you have.
Information we collect
- Information you submit through a quote form under /offer/: your first and last name, email address, phone number and ZIP code, and your answers to the questions asked for the product you chose. For final expense insurance those are your age range, whether you are male or female, the coverage amount you want and what matters most to you; for term life insurance your age range, the coverage amount and the term length you want; for whole life and universal life insurance your age range, the coverage amount and your main goal; for auto insurance whether you currently have car insurance, how many vehicles you want to insure and whether you own your home. We also record the consent language you agreed to and, where the TrustedForm certificate loads, an independent record of that consent.
- Information you send us when you email us: your email address and what you write.
- Information collected automatically: IP address, device and browser type, the pages you view, the time of your visit, the site that referred you, and the campaign, affiliate and click identifiers in the link you arrived on.
- Call information when you call a number shown on this site: the number you call from, the time and length of the call, and the answers the quote form collected before the call. Calls may be recorded and may be transferred to a partner.
Consent records
Each quote form shows a notice at collection on every step and the following consent language above its submit button; tapping the button is your agreement to it:
By tapping “Get My Free Quote”, I provide my electronic signature and express written consent to be contacted by SaversStandard (operated by Four Nine Nine Ltd) and up to four of its partner licensed insurance agents and carriers at the phone number and email provided, including by autodialer, prerecorded or artificial voice messages, and text (SMS), about insurance products, even if my number is on a state or federal Do Not Call list. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. Reply STOP to stop and HELP for help. I can also revoke consent by emailing contact@499group.com. I have read and agree to the Terms of Use and Privacy Policy.
We keep the text you agreed to, the date, time and page of the submission, the campaign identifiers attached to it and the TrustedForm certificate as the record of your consent. You can withdraw consent at any time by replying STOP to a text message, telling the agent on the call, or emailing us. Withdrawing consent does not undo a request that has already been passed on; see How it is shared.
How we use it
To pass your quote request to the licensed insurance agents and partner providers you asked to hear from, to route your call to an agent when you call a number shown on this site, to track which campaign or partner referred you and pay that partner, to keep a record of your consent, to answer your messages, to measure and improve the site and its guides, to prevent fraud and abuse, and to comply with law. We do not use your information to make automated decisions that have legal or similarly significant effects on you.
How it is shared
Four Nine Nine Ltd shares the information you submit with up to four licensed insurance agents and partner providers, and their service providers, so they can contact you about coverage and quotes. Those parties may use it under their own privacy policies. We also share information with the service vendors listed below and with authorities when the law requires it. Four Nine Nine Ltd may be compensated when your request is passed on; under the California Consumer Privacy Act this may be treated as a "sale" or "sharing" of personal information, and you can opt out as described on our Do Not Sell or Share My Personal Information page. We do not sell browsing data.
Service vendors
We use vendors who process information on our behalf: website hosting and security (Cloudflare, including Turnstile bot protection), call routing and tracking for the phone numbers shown on this site, independent consent certification (TrustedForm) on our forms, email delivery, and usage analytics (Google Analytics and Microsoft Clarity). These vendors may only use your information to provide their services to us.
Advertising and analytics cookies
We use a first-party cookie to remember how you arrived here (campaign and affiliate identifiers) for up to 30 days, session storage to operate our forms, and Google Analytics and Microsoft Clarity cookies to understand how the site is used. We do not run third-party advertising cookies. If we add advertising measurement tags in future we will list them here first. You can block cookies in your browser; the site still works without them.
How long we keep it
We keep the request you submitted, the consent record (the disclosure text, date, time, page and the independent consent certificate) and the campaign identifiers attached to it for five years from the date of submission, so that we can prove consent and answer any dispute about a call or message. Server logs are kept for up to 12 months. Analytics data is kept for the period set in the analytics tool (Google Analytics: 14 months). After those periods we delete the information or anonymize it. Call recordings made by our call-routing vendor are kept by that vendor for up to 12 months. Emails you send us are kept for two years. Answers you type but never submit are held in your browser only and are not sent to us. Licensed insurance agents and partner providers keep the information they received under their own policies.
Global Privacy Control
If your browser sends a Global Privacy Control (GPC) signal, we treat it as a request to opt out of the sale and sharing of personal information collected in that browser, and we do not load advertising tags for that visit. If your browser sends the signal and you then submit a request form, we tell you on the form that the two conflict and ask you to confirm that you want this request sent to licensed insurance agents and partner providers; your confirmation applies to that request only, and the signal keeps applying to everything else. You can still opt out afterwards as described below.
Your privacy rights
Depending on where you live (California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah and Virginia have consumer privacy laws), you may have the right to:
- know what personal information we hold about you and get a copy of it;
- receive a copy in a portable, readily usable format;
- know the specific third parties to which we disclosed your personal information (where your state provides that right, for example Oregon, Minnesota and Delaware);
- correct inaccurate information;
- delete it;
- opt out of the sale or sharing of personal information, of targeted advertising, and of profiling that produces legal or similarly significant effects (we do not profile);
- limit the use of sensitive personal information;
- not be discriminated against for exercising these rights.
To exercise a right, use the request form, email contact@499group.com with the subject "Privacy request" or write to Four Nine Nine Ltd, 3rd Floor, 86-90 Paul Street, London EC2A 4NE, United Kingdom. Tell us which right you are exercising and the name, email address and phone number you used on this site so that we can match your record; we do not ask for a Social Security number to verify a request. Requests to opt out of sale or sharing are not verified: we act on them as received, unless we have reason to believe the request is fraudulent. An authorized agent may act for you if the agent gives us your signed permission and we can confirm your identity with you. We act on opt-out and limit requests within 15 business days and tell the third parties that received your personal information in the previous 90 days to stop selling or sharing it. For requests to know, delete or correct we confirm receipt within 10 business days and answer within 45 days; if we need up to 45 more days we tell you why in writing. If we deny a request, you may appeal by replying to our answer with the word "Appeal"; a person who did not make the original decision reviews the appeal and answers in writing within 45 days, and if the appeal is denied we tell you how to contact your state's attorney general. California residents: see the Do Not Sell or Share My Personal Information page for the full California notice.
Children
This site is for adults. You must be 18 or older to submit a request. We do not knowingly collect personal information from anyone under 18, and never from a child under 13; if you believe a child has given us information, email contact@499group.com and we will delete it. We do not sell or share the personal information of anyone we know to be under 16.
Security and where information is processed
Information is transmitted over encrypted connections and stored with access limited to the people who need it to do their jobs. Four Nine Nine Ltd is a United Kingdom company; the information you submit is processed on servers in the United States and may be accessed from the United Kingdom. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
California "Shine the Light"
California Civil Code section 1798.83 lets California residents ask once a year which third parties received their personal information for those parties' own direct marketing. Email contact@499group.com with the subject "Shine the Light request".
Changes
We post any change on this page with a new date at the top. If a change reduces your rights, we will say so in a notice at the top of this page for 30 days.
Contact
Email contact@499group.com with the subject "Privacy request", or write to Four Nine Nine Ltd, 3rd Floor, 86-90 Paul Street, London EC2A 4NE, United Kingdom. See also our Terms of Use, Advertiser Disclosure and Do Not Sell or Share My Personal Information pages.