1. This Privacy Policy
1. X.L. America, Inc. and its direct or indirect subsidiaries, including Global Asset Protection Services, LLC (hereinafter referred to collectively as "XL") is committed to protecting your personal information and other data provided to us via this website, or via any XL online e-business applications (collectively "XL Applications"). Please read this Privacy Policy carefully as it contains important information about the use of information which you provide to us. This Privacy Policy explains what information XL collects about you, and how we collect and use your information, including setting out the circumstances where we could provide it to third parties. You should also read the applicable Terms of Use for all XL Applications.

2. What information do we collect and what do we do with it
1. To take advantage of some of our services you may be required to login or register. We need to collect information about you and your computer to enable you to do so and to enable you to continue using the XL Applications. We may use your IP address to help diagnose problems with our server and to administer our XL Applications. The information will be collected when you register, or when you choose to use one of the services available via the XL Applications.
2. We will use the information which we collect to personalize your experience on the XL Applications, to help you login in the future and to continue to use the XL Applications, and to help us select services or materials for inclusion on the XL Applications which may be of interest to you. We may need to pass your information to third parties who help us to maintain, administer or develop the XL Applications but, if so, that information is only given to those third parties for that limited purpose.
3. We also may monitor traffic patterns and usage of our XL Applications to help us improve our XL Applications designs and layout. We may pass this information to our partners or other third parties but it will not contain any personally identifying information.
4. XL reserves the right to access and disclose personal data or information to comply with applicable laws, regulations and lawful government requests, to operate its systems properly, or to protect itself or its users.
5. XL Applications do not retain or share customer credit card information. We utilize a "Secure" transaction system to verify and protect your credit card information. Products sold on XL Applications accept Visa, MasterCard, American Express and Discover.

3. Our Privacy Promise
   
   Your privacy and the confidentiality of your personal data are important to us. Information and the analysis of information (other than that described in 2c above) are used only to successfully complete the transaction being requested or to enhance your application experience. We understand that gaining and keeping your trust depends upon the security and integrity of our records concerning you. Accordingly, we promise that:
1. We will follow strict standards of security and confidentiality to protect any information you share with us or information that we receive about you;
2. We will verify and exchange information regarding your credit and financial status only for the purposes of policy administration, and only with reputable references and clearinghouse services;
3. We will not collect and use information about you and your business other than the minimum amount of information necessary to advise you about and deliver to you excellent service and products and to administer our business;
4. We will train our employees to handle information about you or your business in a secure and confidential manner and only permit employees authorized to use such information to have access to such information;
5. We will not disclose information about you or your business to any organization outside XL or to third-party service providers unless we disclose to you our intent to do so or we are required to do so by law or regulation;
6. We will attempt, with your help, to keep our records regarding you and your business complete and accurate, and we will advise you how and where to access your account information (unless prohibited by law or regulation) and how to correct errors or make changes to that information; and
7. We will audit and assess our operations, personnel and third-party service providers to assure that your privacy is respected.

4. Your consent
1. You acknowledge and agree that:
1. in the course of registering and using these XL Applications and any services offered via these XL Applications, certain information about you may be captured electronically or otherwise and transmitted to XL or and, potentially, to any third parties as set out above or to third parties who host our web servers or assist us in maintaining these XL Applications; and
2. By using these XL Applications, you expressly agree to the collection, transfer and use of your information as set out above for the purposes set out in this Privacy. For further information on XL, its products and the territories in which it operates please visit www.xlgroup.com.

5. Our responsibilities - how does XL protect user information?
1. When you review your account information or enter into transactions, we offer the use of a secure server. The secure server software encrypts the information that you input before it is transmitted to us. To prevent unauthorized access, we follow legally required security procedures in the storage and disclosure of information which you have given to us. This means that sometimes we may ask for proof of identity before we disclose personal information to you.
2. Certain areas of the XL Applications where transactions are entered into, reviewed or transmitted are password protected. You can help to preserve your privacy by never sharing your password with anyone else.
3. We seek to limit our employees' access to your information about you to those employees who need to have such information to service your account. We emphasize to our employees the confidential nature of user information and the high level of importance which XL places on maintaining this confidentiality. Furthermore, any companies we hire to provide support services must comply with our privacy policies.

6. What are 'cookies' and how do we use them?
1. We may conduct analyses of user traffic. These analyses will be performed through the use of IP addresses and cookies which are required to ensure a secure server connection.
2. A cookie is a piece of information that is stored on your computer's hard drive by your web browser. On visiting the XL Applications, your computer server may use the cookie to guarantee a secure connection. Most browsers accept cookies automatically, but usually you can alter the settings of your browser to prevent automatic acceptance. If you choose not to receive cookies, you may not be able to use our XL Applications.

7. Changes to Privacy Policy
   
   We reserve the right to add to or change the Terms of this Privacy Policy at our sole discretion, without prior notice to you. If we change this Privacy Policy, we will post the new Privacy Policy on the XL Applications, and it will become effective from the time of posting to the XL Applications. Please visit this Privacy Policy on a regular basis to make sure you have read the latest version and you understand what we do with your information.
8. Feedback
   
   If you have any queries or problems with regard to this Privacy Policy or the uses to which we put your information, please e-mail webhelp@xlgroup.com