Cookie Policy

Cookie policy.

This Cookie Policy (the "Cookie Policy") is intended to inform you of how XN Financial® (hereinafter “XN Financial”), which comprises the following entities: XN Financial Services Inc., XN Financial Services (Canada) Inc., and its subsidiaries (collectively, “XN Financial,” “we,” “our” or “us”) uses cookies and related technologies (pixel, tags or beacons) (together “cookies” or “cookie”), on https://www.xn.com website (the « Website »).

Please take a minute to read and understand this Cookie Policy. This Cookie Policy should also be read in conjunction with our Privacy Policy.

1. What is a "Cookie" ?

Cookies (or means of tracking) are small text files that can be saved on your device through its browser (computer, tablet, smartphone, etc.) during your time visiting the Site, and that fulfill various functions, notably including allowing the party that places the cookie to identify your device.

Subject to obtaining your consent when required by the applicable Data Protection Regulations, the Site uses cookies and means of tracking to improve the use and functionality of the Site, and to better understand how you use the tools and services offered on it. The use of cookies and means of tracking allows you to save time during your visit, and establishes your movements on the Site with greater precision.

Cookies do not cause any damage to the terminal, but make it easier, for example, to find preferences, pre-fill certain fields and adapt the content of the services on the site visited. Such data allows the improvement of ergonomics and services according to your interests.

2. What kind of cookies do we use and how do we use them?

Information collected through cookies help us to analyze the use of the Website and to enables us to offer users a better experience when visiting the Website. We will only keep cookies for as long as necessary to achieve the relevant purposes set out in this Cookie Policy, notably for marketing and statistical purposes.

Generally-speaking, we use 1st and 3rd-party session and persistent cookies. The cookies set by us are called “first-party cookies” and the cookies set by our third-party partners and service providers are called “third-party cookies”. For example, with a tracking pixel, advertisers can acquire data for online marketing, web analysis or email marketing. With log file analysis, long data evaluation or using appropriate analytical tools, this data can be used for different purposes, for example retargeting.

Session cookies are temporary cookies that remain on your device until you close your web browser. Many session cookies are essential to make our Website work correctly, as they typically enable you to move around our Website and use our features.

Persistent cookies remain on your device after you close your browser or until you manually delete it (for the former, how long the cookie remains on your device will depend on the duration or "lifetime" of the specific cookie and your browser settings). Persistent cookies help us recognize you as an existing user of our Website, so it’s easier and convenient to return to our Website or interact with our Services without signing in again. In addition, persistent cookies also help us recognize you when you view a resource belonging to our Website from another website or app (such as an advertisement) and help us record information about your web browsing habits during the lifetime of the persistent cookie.

3. What Cookies are Used on the Site, and How Can You Manage These Cookies?

XN Financial informs you that the following cookies may be deposited and used, subject to your settings/acceptance:

• Technical cookies: these cookies are essential for navigation on the Site, and enable its various functionalities to be used;
• Preference Cookies: Preference cookies enable our Website to provide enhanced features or settings based on your previous visits and selections, such as language preferences, remembering log-in details;
• “Statistic” Cookies: These cookies make it possible to know how the Site is used, and to establish its performances and improve its operation. Such is the case of audience measurement cookies, but only using your session data (date, time, IP address, transmission protocol, and page viewed). This information is not cross-checked with other Processing Operations such as customer or Insured Party files;
• Marketing cookies: These cookies allow you to adapt advertising content and other content according to your interests established on other websites.

With the exception of so-called “technical” cookies, which you cannot disable, these cookies can be disabled at any time, either individually or in completely.

You can also configure your Web browser. You can opt out of the depositing and saving of cookies or disable them at any time, following a process that depends on your particular Web browser. Browsers’ default settings are usually to accept cookies. You can change this setting by changing your browser settings. Your browser can also be configured to notify you of cookies that are saved via your browser, and prompt you to accept or reject them. You can accept or refuse cookies on a case-by-case basis, depending on the site, or refuse them systematically and permanently. To manage cookies to fit your preferences as closely as possible, please configure your browser taking account of the purpose of cookies, as explained above.

The method of configuration of each browser is different. How to change your cookie settings will be explained in your browser’s help menu. You can disable cookies by clicking on the links below:

FOR Mozilla FIREFOX  Click here

FOR MICROSOFT Internet Explorer/Edge  Click here

FOR Google Chrome  Click here

FOR Safari  Click here

FOR OPERA  Click here

For any other browser not mentioned above, the user should not hesitate to consult the cookie management help information available on the Website.

You can also visit the below link for an overview of how to block or delete cookies on the most common browsers: allaboutcookies.org

4. What Happens When Cookies Are Rejected?

5. How Long Are Cookies Stored On Your Device?

6. Contact us