Legal Disclaimer

This website is owned by XN Financial^® (hereinafter "XN"), comprises the following entities: XN Financial Services Inc., XN Financial Services (Canada) Inc., and is operated for your personal use and information. Your use of this website is subject to the following terms and all applicable laws:

• 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.
• 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 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 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 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 does not endorse or promote in any way the information found or products or services sold on other websites accessible from this site. XN 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 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 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.

Privacy

Collection of Personal Information
XN 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 to use strict standards of care in handling the personal, confidential information of XN’s insureds. The importance of protecting your information has been conveyed to XN 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's confidentiality rules are subject to disciplinary and/or contractual sanctions that include dismissal.

Request for Products or Services
XN's policy is to limit access to customer information to those who need it to serve customers' insurance needs. XN obtains most of its information about you directly from you. Depending on the type of product or service requested by you, XN 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 to keep your information separate from that of other customers with a similar name. XN 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 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 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 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.

XN 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 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 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 transmits or shares your personal information. Moreover, you may request specific information about XN’s 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 Worldwide Insurance
600 De Maisonneuve Blvd. West, Suite 2310
Montreal, Quebec H3A 3J2
privacy@xn.com

This website is designed for use with the latest versions of Internet Explorer, Google Chrome, Mozilla Firefox or Apple Safari. If you are currently using older versions of these browsers, you may experience technical difficulties with the online transaction procedures.

Technological requirements for the use of this website:

• You must use a browser that is SSL compliant
• JavaScript functionalities must be enabled.
• Cookies functionalities must be enabled.

We strongly recommend downloading Internet Explorer, Google Chrome, Mozilla Firefox or Apple Safari to fully experience our site. If you access our site with a browser other than those recommended, key functions of the website might not work properly. Use one of the following links to download or upgrade a high-security browser.

128-bit Encryption
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).

These files can be viewed best by having Adobe Acrobat Reader 5.0 or higher installed on your computer. The Adobe Acrobat Reader is free and can be downloaded from Adobe's website

Enable JavaScript
In order to experience this website at its best, users should view the site using JavaScript-enabled browsers.

Enable Cookies
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.

XN Financial makes no representation or warranty regarding the functionality, the good working order of the functionalities of the website, or condition of this website, its suitability for use, or that its use will be uninterrupted or error-free. ALL MATERIAL OR INFORMATION ON THIS WEBSITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTIES OF ANY KIND. SITE OWNER AND ITS LICENSORS DISCLAIM ALL WARRANTIES OR CONDITIONS, WRITTEN OR ORAL, STATUTORY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. The information and materials on this website are not intended to provide specific technical, financial, tax, legal, business, accounting or other advice for your individual circumstances, and you should consult your own professional advisors to determine how any information or materials provided on this website apply to your individual circumstances. If you are seeking advice regarding insurance products, you must consult an authorised professional, as an independent broker, who will advise you on your personal situation. These exclusions are in addition to any specific exclusions otherwise provided in these terms and conditions. To the extent that the jurisdiction to which you are subject does not allow exclusion of certain warranties, such exclusions which are not permitted do not apply.

NEITHER XN Financial NOR ITS LICENSORS WILL BE LIABLE FOR ANY DAMAGES, EITHER DIRECT OR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, FOR USE OF OR INABILITY TO USE MATERIAL, PRODUCTS OR SERVICES OF ANY KIND, DELAY OF OR PARTIAL DELIVERY, TERMINATION OF RIGHTS OR LOSS OF PROFITS, DATA, BUSINESS OR GOODWILL, WHETHER ON A CONTRACTUAL OR EXTRACONTRACTUAL BASIS, OR TO PROVIDE INDEMNIFICATION OR ANY OTHER REMEDY TO YOU OR ANY THIRD PARTY. Your sole and exclusive remedy is to discontinue using and accessing this website. To the extent that the jurisdiction to which you are subject does not allow any part of such limitation, such part does not apply.

Material on this website, including but not limited to text, images, illustrations, software, audio clips and video is owned or otherwise provided by XN Financial, and XN Financial does not represent or warrant that such material does not infringe the rights of any other person or entity. You acknowledge that information or material which you provide electronically through your access to or usage of this website is not confidential or proprietary, except as may be required under applicable law, and acknowledge that unprotected e-mail communication over the Internet is subject to possible interception, alteration or loss. Trademarks, logos and service marks (collectively, "Marks") displayed on this website are registered or unregistered Marks of XN Financial or others, are the property of their respective owners, and may not be used without written permission of the owner of such Marks. Any which may be reproduced pursuant to these terms must bear the proprietary rights notices which originally appear on or in conjunction with such information or material.

While XN Financial may update the information or materials on this website from time to time, no assurance is given that information or material on this website is up-to-date, accurate, error-free or complete.

Links and references to other websites are provided to you as a convenience only. XN Financial has not reviewed and does not expressly or implicitly endorse other websites or any information or material, or the accessibility thereof, via such links, and does not assume any responsibility for any such other websites, information or material posted thereon, or products or services offered thereon. You may not create links from other websites to this website, except if expressly permitted by XN Financial. (To obtain permission, contact us at service@xn.com)

XN Financial does not represent or warrant that the information or materials, accessed from or through this website will be uninterrupted or free of errors, defects, viruses or other harmful components, or that any such problems which are discovered will be corrected.

You agree not to introduce into or through this website any information or materials which may be harmful to others. Among other things, you agree not to include, knowingly or otherwise, any error or defect in material or information which may, among other things, be a libel, slander, defamation or obscenity, or promote hatred or otherwise give rise to a criminal offence or civil liability on the part of any person or entity.

All rights not expressly granted in these terms are reserved to XN Financial. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any license or right under any copyright, patent, trademark or other intellectual right of Site Owner or any other person or entity.

XN Financial is located in Florida and does not do business in all jurisdictions. Therefore, these terms shall be governed by the laws of the State of Florida and the applicable laws of the United States without reference to principles of conflict of laws. You agree to be bound by such laws and to submit to the jurisdiction of the courts of the State of Florida in connection with the interpretation or application of these terms. XN Financial makes no representation that materials on the website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

XN Financial may modify, alter or otherwise update the terms applicable to this website from time to time without notice, and you agree to be bound by such terms as are in effect at the time at which you access XN Financial's website.

These terms and conditions apply while you are accessing the website and remain in effect thereafter, subject to section "Changes to Terms". In the event that this website is no longer accessible to you, the provisions set out in section "Exclusion of warranties", "Limitation of Liability", "Ownership and Confidentiality" and "Governing Law" of these terms and conditions shall survive thereafter.