XN Group of Companies
XN FINANCIAL®  PRIVACY  AND  CONFIDENTIALITY  POLICY

XN Financial® (hereinafter "XN Financial"), comprises the following entities: XN Financial Services Inc., XN Risk Insurance Services Inc., XN Financial Services (Canada) Inc., XN Risk Insurance Services (Canada) Inc., XN Financial Services (UK) Ltd.

Collection of Personal Information

XN Financial does not collect personal information about you unless you order literature by mail or through downloads, send an e-mail message to service@xn.com, enroll into a specific service or use the online account access. It is recommended that you send e-mail messages to service@xn.com. Copies of these messages will be retained and the information provided by you will only be used to respond to your inquiry and to provide you with better customer service.

Use of Personal Information by Employees

Certain employees, agents, brokers and producers will be provided with information about an insured in order to serve that insured's needs and provide the insured with information regarding specific products. These persons are instructed by XN Financial to use strict standards of care in handling the personal, confidential information of XN Financialís insureds. The importance of protecting your information has been conveyed to XN Financialís employees, and they are required to adhere to stringent policies and procedures relating to the safeguarding of your information. Electronic, physical, and procedural safeguards have been implemented in order to efficiently protect your information. Employees, agents, brokers and producers who do not conform to XN Financial's confidentiality rules are subject to disciplinary and/or contractual sanctions that include dismissal.

Cookies

A cookie is a short piece of data, not code, which is sent from a web server to a web browser when that browser visits the server's site. The cookie is stored on the user's machine, but it is not an executable program and cannot do anything to your machine. It is essentially your identification card, and cannot be executed as code or deliver viruses - it cannot harm your computer in any way. It is uniquely yours and can only be read by the server that gave it to you.

XN Financial uses it to keep track of your profile and present you with sponsor specific pages once you've logged in. Rest assured that XN Financial has a very strict privacy policy and does not sell or share any personal information about our clients with any third party.

Request for Products or Services

XN Financial's policy is to limit access to customer information to those who need it to serve customers' insurance needs. XN Financial obtains most of its information about you directly from you. Depending on the type of product or service requested by you, XN Financial may require your name, address and additional identification. Moreover, in certain jurisdictions, your social insurance/social security number may be required for products which earn investment income, in order to comply with the presiding revenue authority's income reporting requirements. Providing your social insurance/social security number is optional and will only be used for verification purposes to ensure your account privacy and will enable XN Financial to keep your information separate from that of other customers with a similar name. XN Financial does not transmit or sell any personal information collected through its web site to any non-affiliated third parties except its producers, agents and brokers. Ultimately, information is collected to:

  • Create a transaction requested by you;
  • Investigate or handle claims;
  • Service your policy;
  • Market our products to you;
  • Detect or prevent fraud;
  • Comply with lawful requests from regulatory and law enforcement authorities.

CONFIDENTIALITY

Security

Access to your account is secured by the latest Internet security protocol, provided that your web browser supports 128-bit encryption. The latest versions of NETSCAPE NAVIGATOR and MICROSOFT INTERNET EXPLORER browsers both offer this feature. These browsers inform you when you are entering a secure environment.

Although XN Financial takes every precaution to ensure the security of your privacy and personal information online, e-mail messages are not secure. E-mails transmitted through the Internet are prone to viewing, alteration and copying by virtually anyone. In order to protect yourself and your information, please use discretion when submitting information. If you are concerned about the security of your communication or transmission, you are encouraged to correspond with XN Financial through regular postal service or to speak directly to a representative over the telephone. Moreover, we recommend the following precautions when submitting confidential information via the Internet:

  • Use the latest versions of Netscape Navigator or Microsoft Internet Explorer;
  • Keep your User ID and password confidential. Do not divulge them to anyone, and change them when you believe their confidentiality has been breached. Your password should be unique and changed frequently;
  • Before exiting the website, make sure you log off. This prevents the next user from accessing your personal information.

XN Financial cannot guarantee the security or confidentiality of communications sent through the Internet using e-mail messages.

Risk Related to Internet

Although every effort is taken to ensure no one else will see or obtain your personal data, complete confidentiality and security is not yet possible over the Internet. Internet use and communication is subject to interception, loss and alteration. You acknowledge and agree that XN Financial shall not be responsible for any damages you may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communications will be at your own risk.

Procurement of Information and Policies

Upon request, XN Financial will grant you access to information related to existence, use and disclosure of your personal information. If you believe the information is incorrect or incomplete and want to challenge its accuracy, you may request to have it amended. Also, you may request a specific description of the entities to which XN Financial transmits or shares your personal information. Moreover, you may request specific information about XN Financialís policies and practices relating to the management of personal information. Please send any of the aforementioned requests or concerns in writing to:

Privacy Officer
XN Group of Companies
600 De Maisonneuve Blvd. West, Suite 2310
Montreal, Quebec H3A 3J2
privacy@xn.com