Terms of Service

Last Updated: January 15, 2026

1. Agreement to Terms

By accessing or using the Saver's Standard website ("Site"), operated by Four Nine Nine Ltd ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site.

Company Information:
Four Nine Nine Ltd
86-90 Paul St
London EC2A 4NE
United Kingdom

2. Description of Service

Saver's Standard is an online publication providing news, information, and educational content related to finance, insurance, savings, and related topics. Our Site may include articles, newsletters, and links to third-party websites and services.

3. Disclaimer of Financial Advice

IMPORTANT: The content on this Site is for informational and educational purposes only. It does not constitute financial, investment, insurance, legal, tax, or any other professional advice.

  • We are not licensed financial advisors, insurance agents, or investment professionals.
  • You should consult with qualified professionals before making any financial decisions.
  • Past performance does not guarantee future results.
  • Information may become outdated and we make no commitment to update it.
  • We do not guarantee the accuracy, completeness, or usefulness of any information on the Site.

Any reliance you place on information from our Site is strictly at your own risk.

4. Affiliate Disclosure and Advertising

Our Site contains affiliate links and advertisements. This means:

  • We may earn commissions when you click on affiliate links and complete qualifying actions (such as making a purchase or signing up for a service).
  • Advertisements on our Site are paid placements from third-party advertisers.
  • Our content may be influenced by advertising relationships, but we strive to provide honest and useful information.
  • The presence of affiliate links or advertisements does not constitute an endorsement of any product or service.

You are responsible for evaluating any third-party products or services before making purchasing decisions.

5. Third-Party Links

Our Site contains links to third-party websites and services that are not owned or controlled by us. We have no control over, and assume no responsibility for:

  • The content, privacy policies, or practices of third-party websites
  • Any products or services offered by third parties
  • Any damages or losses caused by your use of third-party websites

We encourage you to read the terms and privacy policies of any third-party website you visit.

6. Intellectual Property Rights

Unless otherwise indicated, the Site and all content, features, and functionality (including text, graphics, logos, images, and software) are owned by Four Nine Nine Ltd and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from our Site without our prior written consent.

7. User Conduct

You agree not to:

  • Use the Site for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the Site
  • Interfere with or disrupt the Site or servers
  • Use automated systems (bots, scrapers) to access the Site without permission
  • Transmit viruses, malware, or other harmful code
  • Impersonate any person or entity
  • Collect personal information of other users without consent

8. Newsletter and Communications

By subscribing to our newsletter, you consent to receive periodic emails from us containing news, information, and promotional content. You may unsubscribe at any time by clicking the "unsubscribe" link in any email or by contacting us directly.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • WARRANTIES OF MERCHANTABILITY
  • FITNESS FOR A PARTICULAR PURPOSE
  • NON-INFRINGEMENT
  • ACCURACY, RELIABILITY, OR COMPLETENESS OF CONTENT
  • UNINTERRUPTED OR ERROR-FREE SERVICE

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, FOUR NINE NINE LTD AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • LOSS OF PROFITS, REVENUE, OR DATA
  • FINANCIAL LOSSES RESULTING FROM RELIANCE ON SITE CONTENT
  • DAMAGES FROM THIRD-PARTY PRODUCTS OR SERVICES
  • DAMAGES FROM UNAUTHORIZED ACCESS TO YOUR DATA

OUR TOTAL LIABILITY SHALL NOT EXCEED $100 USD.

11. Indemnification

You agree to indemnify, defend, and hold harmless Four Nine Nine Ltd and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from your use of the Site or violation of these Terms.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

For users in the United States, you agree that any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the new Terms.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

15. Contact Us

If you have any questions about these Terms, please contact us at:

Four Nine Nine Ltd
86-90 Paul St
London EC2A 4NE
United Kingdom
Email: legal@saversstandard.com