We never sell or list your people.

Never. We do not sell, rent or list your people, in bulk or at all, and your roster is never a source for anything. That answer does not change with any setting or any program, and it is the promise we make to every organization we sign. What can happen instead is one person choosing one introduction, which is the next answer.

Only if you want that for them, and it is your organization’s call rather than a default we apply to you. Where you include it, someone who has built a report card can be connected with a vetted professional for a free consultation, at no cost and no obligation to them. We would encourage it, because of how we do it: one professional at a time, exclusively, with the individual’s consent and a real need shown by their own report card. When someone accepts, their profile and report card go to that one professional, and their Savology account moves into that professional’s organization so the person helping them can see the plan they built. The professional pays us for the introduction. Your employee never does.

Employers we work with directly choose for themselves, and we encourage including it. Organizations that reach us through an employer partner include it by default, with both coaches and advisors available to their people, and we make exceptions on request. Advisory firms do not include it, and can open the narrow door described below if they want it.

Not unless you open that door yourself. Your clients, your prospects, and anyone you invite onto the platform belong to your firm: never listed, never sold, and not included by default. Some firms choose to open one narrow door, so that a household outside their own ideal client profile can be introduced to an advisor or a coach who suits them better, which serves that household better than being carried and not served. It covers only what you say it covers, and nothing moves until you turn it on. Using the platform does not require you to give us a client list or connect a CRM.

The advisor’s. What Savology is paid for is the introduction, never the relationship. From the moment the introduction is made we never re-list that household, never offer them to a second advisor and never sell them again, including if the advisor stops buying. They leave the advisor’s hands only if the advisor decides to release them, which some advisors do when a household would be better served by a coach or by another firm. Savology remains the household’s own planning platform and keeps serving them there. That continuing nurture is part of what the advisor is paying for, and it is never a second introduction.

Savology generates them itself. People come to us for a free financial report card, complete it, and agree to terms that say plainly that Savology may connect them with a financial professional. Consent is a condition of every introduction, and it can be withdrawn at any time.

Something stronger. The two run on separate databases with separate credentials, and whether an organization’s households can be written into the introductions system at all is a setting on that organization, read on the way in rather than applied afterwards. An organization set to off is never written there. We audit that boundary on an ongoing basis.

No. Organizations see aggregate participation only, how many people have built a report card. Each report card and plan belongs to the individual, and there are no payroll integrations or data feeds to set up in the first place.

The participant does. Savology holds it as a custodian and processor on their behalf, and we do not sell it. Employees, plan participants, and advisors’ clients all own their own report card and plan.

No and no. Savology is an education and planning platform: it does not recommend investments, does not manage money, and does not act as a fiduciary. There are no fiduciary conflicts to disclose because there is no advisory relationship to conflict with.

No. Inside an organization’s program the platform is education and planning. There is nothing for sale in it, and nobody sells to your people through it.

Yes, in transit and at rest. Savology operates an ISO 27001-aligned information security program, and security policies, a certificate of insurance, and a Regulation S-P whitepaper are available for compliance review.