|
Privacy Policy |
 |
|
 |
- This Privacy Policy
- 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.
- What information do we collect
and what do we do with it
- 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.
- 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.
- 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.
- 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.
- 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.
- 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:
- We will follow strict standards
of security and confidentiality to protect any information you share
with us or information that we receive about you;
- 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;
- 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;
- 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;
- 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;
- 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
- We will audit and assess
our operations, personnel and third-party service providers to assure
that your privacy is respected.
- Your consent
- You acknowledge and agree
that:
- 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
- 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.
- Our responsibilities - how
does XL protect user information?
- 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.
- 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.
- 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.
- What are 'cookies' and how
do we use them?
- 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.
- 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.
- 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.
- 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
|
|
 |
|
|
 |
0 items |
 |
|
|
|
|