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.

XN Financial adheres to all relevant and current applicable laws concerning the protection of personal information. By using this website, you agree to XN Financials’ methods for handling and securing personal data as outlined in our Privacy Policy.

Browser Requirements

This website is designed for use with the latest versions of Microsoft Edge, Google Chrome, Mozilla Firefox or Apple Safari. If you are currently using older versions of these browsers, you may experience technical difficulties during your navigation.

Encryption

HTTPS appears in the URL of this website that validates the use of an SSL certificate. You can view the details of the certificate, including the issuing authority and the corporate name of the website owner, by clicking the lock symbol on the browser bar. This website uses Secure Sockets Layer (SSL) 256-bit that is a standard technology for securing an internet connection by encrypting data sent between our website and your browser.

Adobe Acrobat Reader

Some forms and documents that can be accessed on this website are in PDF format and are only readable if the Adobe Acrobat Reader (a registered trademark of Adobe Systems, Inc.) is used.
To get this software free of charge, please visit Download Adobe Acrobat Reader: Free PDF viewer

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 communications@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 reserves the right, at its sole discretion and without prior notice to modify, alter or otherwise update the terms and content on this website.

You agree to be bound by such terms as are in effect at the time at which you access XN Financials’ 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.