- By accessing and browsing this website, you accept, without limitation or qualification, these terms.
- If you do not agree with any of the terms, please do not use this website.
- Material on this website may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed or modified in whole or in part, whether in text, graphical, audio, video or executable form, without the prior written permission of XN Financial.
- You are responsible to ensure that your access to this website and material available on or through it are legal in each jurisdiction in or through which you access or view the site or such material.
XN Financial does not do business in all jurisdictions.
The precise coverage afforded is subject to the terms and conditions of the policies as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy as issued. Evaluations, reports and recommendations are made solely to assist XN Financial in underwriting and loss control. Evaluation for any hazard or condition does not mean that it is covered under any policy. No warranties or representations of any kind are made to any party. Neither XN Financial nor its employees or agents shall be liable to any party for the use of any information or statements made or contained in any evaluation, report or recommendation.
XN Financial does not endorse or promote in any way the information found or products or services sold on other websites accessible from this site. XN Financial may provide links to certain websites without any warranty or representation with regard to the products or services, which may be advertised or promoted at those sites.
For those accessing this site in the United States of America, please note that underwriters at Lloyd's are not licensed insurers in the United States of America, except underwriters at Lloyd's are licensed in the states of Illinois and Kentucky, and in the United States Virgin Islands. In other states, insurance from underwriters at Lloyd's may only be available through a licensed surplus lines broker. Please contact XN Financial for an exhaustive listing of states where the entities hold surplus lines licenses.
In the event of any adverse experience with, or insolvency of, any one or more XN Financial participating service company, Underwriters at Lloyd's are each severally liable only for the portion of risk, if any, to which each Underwriter subscribed, and Underwriters at Lloyd's would not in any event be liable for the portion of any other insurer or other participating service company.
PrivacyCollection 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 email@example.com, enroll into a specific service or use the online account access. It is recommended that you send e-mail messages to firstname.lastname@example.org. 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 Financial’s insureds. The importance of protecting your information has been conveyed to XN Financial’s 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.
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.
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.
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 Internet Explorer, Google Chrome, Mozilla Firefox or Apple Safari browsers all 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 Internet Explorer, Google Chrome, Mozilla Firefox or Apple Safari;
- 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.
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 Financial’s policies and practices relating to the management of personal information. Please send any of the aforementioned requests or concerns in writing to:
XN Worldwide Insurance
600 De Maisonneuve Blvd. West, Suite 2310
Montreal, Quebec H3A 3J2
Technological requirements for the use of this website:
- You must use a browser that is SSL compliant
- Cookies functionalities must be enabled.
To access the secure areas of this website, your browser must support Secure Sockets Layer protocol and 128-bit encryption.
We use the latest encryption technology, Secure Sockets Layer (SSL) for encryption and authentication to protect the transfer of your personal data from unauthorized parties. SSL software uses 128-bit encryption to secure the personal information you input before it is sent to us.
Encryption is a data encoding process that ensures the security of the data transmitted over the Internet, to ensure your privacy and confidentiality. 128-bit encryption is the strongest form of encryption available for commercial use over the Internet today.
Adobe Acrobat Reader
The forms on this website are in Adobe Acrobat PDF format, which require the Adobe Acrobat Reader plug-in.
- View, download or print many insurance forms and other documents in Adobe Portable Document Format (PDF).
- Print forms that are generated by online processes, such as policy issuance. These forms are printed in Adobe Forms Document Format (FDF).
In order to experience this website at its best and be able to use its services, users should view the site using Cookie-enabled browsers.