Xenial believes in protecting the personal information that you provide us at Xenial.mu and the Xenial Android and iPhone mobile applications. We have made safe computing and the protection of your privacy an important priority. Xenial provides insurance quotes/estimates with minimal personal information. Except where mandated by the government and its regulatory bodies or the courts, the personal information that you share with us will not be shared with third parties without your prior consent.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it and use world-class encryption to protect your data. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
Tracking Technologies and Cookies
Technologies such as: cookies, beacons, tags and scripts are used by Xenial and our marketing partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We use cookies to remember users' settings (e.g. language preference). Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.
Log files
As is true of most Web sites, we and our third party tracking-utility partner to gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click-stream data.
We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole.
Local Storage Objects (HTML5)
Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 to collect and store information.
Advertising
We partner with a third party ad network to manage our advertising on other sites as well as within our site. Our ad network partner uses cookies to collect non-personal information about your activities on this and other Web sites to provide you targeted advertising based upon your interests and your actions on our site. We do not have access or control over these cookies. If you wish to not have this information used to serve you targeted ads, you may opt-out of being served targeted ads by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads. Please note that you have the option to set your browser to decline our cookies. If you choose not to receive cookies from Xenial, you may not be able to use all the services available on the site. These cookies are not tied to your personal information.
Collecting information
We gather and store data about online usage on a collective rather than individual basis. For example, like most websites, we gather aggregate information about the number of visitors that visit our website and the pages that they view, NOT what pages were viewed by each individual. We use this information to anticipate bottlenecks, to gauge the capacity of our servers, and to improve the overall management of our website.
We also use Commission Junction to track visitors coming from our affiliate sites. This pixel tracking information helps determine the payments we are obliged to make to our affiliates for the traffic they send to us. We also use a third party tracking-utility company which uses pixel tracking to help us better manage content on our site by informing us what content is effective
Please note that our online usage and affiliate tracking systems do not gather or store personal information.
Collecting personal identifiable information
In some provinces, Xenial offers visitors the option of personalized quotes and gathers personal information as part of this process. Depending on the province, this may include obtaining your credit score from a credit reporting agency, or require you to provide details regarding your credit history. This information, along with the other details you enter will be used to provide you with a personalized offer and to determine the payment options that will be available to you.
Also, from time to time, Xenial requests and collects personal information from visitors via surveys, contests, "Tell-a-friend" and Renewal Reminder services. Participation is completely voluntary (opt-in). Information requested has included your email address and that of the friend you are referring.
Finally, you can log in to our site using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.
Communication of personal Information
At various points on the Xenial website and when visitors contact Xenial, visitors may be asked if they consent to sharing their personal information with our affiliates and/or 3rd parties, only in the ways that are described in this privacy policy. If they agree, Xenial provides one or more affiliates and/or 3rd parties with their personal information for the purposes of either preparing or validating an insurance quote or providing marketing services as explicitly requested by the visitor.
By submitting your question, comment or suggestion online the information you provide becomes the property of Xenial. Where necessary, we may share the information you provide in your email with 3rd parties in order to address your question, comments or concerns. The content of your email may be used for any purpose and Xenial is free to use any idea contained in it for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.
Tell-a-friend
If you choose to use our referral service to tell a friend about our site, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. Xenial does not store this information. Xenial uses this information for the sole purpose of sending this one-time email and tracking the success of our referral program.
What is this personal information used for?
Our surveys are used to identify consumer or improve visitor satisfaction with our site. The 'Tell-a-friend' service sends an email to a friend informing him/her about our site. With our Renewal Reminder service, visitors can elect to have an email reminder sent to them a month before their insurance policy expires.
We will use the email address you provide us to send you copies of the quotes you have requested to obtain a copy for your records.
Policy holder information
If you apply online for Coverage or purchase a policy online through Xenial, additional information is needed to process your request. This information may include your first and last name, email address, and dwelling address; your telephone number, driver's license number, vehicle identification number (if purchasing auto insurance), your current insurance company, employer name and credit card number or bank account information. We may also need to obtain your credit score from a credit reporting agency, or require you to provide details regarding your credit history. This information, along with the other details you have provided will only be used to fulfill services you specifically request. They will not be used for any other reason.
We forward this information to the insurance company who will be reviewing your application or underwriting your policy. If you agree to purchase a policy from the insurance company, it may use your personal information for the purpose of fulfilling the requested insurance transaction and for future contact in accordance with the terms and conditions of its own privacy policy.
Service providers
In some cases, we use third parties to provide the online quotes you receive on our site or to assist us in advertising our services to you. With respect to the quotes you get, the only information shared with the third party is the information required to provide you with an accurate quote. Depending on the type of quote you are seeking, this information may be comprised of one or more of the following: your age, gender, marital status, smoking status, driving, and insurance history. This information is only shared as necessary for the third party to provide you with an accurate quote.
These third parties are prohibited from using your personal information for any other purpose.
Testimonials
We post customer testimonials on our web site which may contain personal information. We do obtain the customer's consent via email prior to posting the testimonial to post their name along with their testimonial.
For your protection
Your password is your private, secret entry code to your account information at Xenial. It is required when you first log in to view or to modify your saved information. Your password keeps your account information private and secure and you can change it as many times as you like.
Xenial contains links to other websites. For example, you may find links to the suppliers featured in our comparison service or links to our affiliated brokerages. We do not exchange any information with these third-party sites if you click on them. If you do decide to click on one of these links, we encourage you to read the privacy statements of these linked sites as their policies may differ from ours.
Legal disclaimer
We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.
We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.
If you have any concerns
We are committed to providing excellent service to you. However, if you have a concern or complaint, please contact us, because we are also committed to working with you to achieve a resolution and following through to a successful conclusion as quickly as possible. In most cases, complaints are resolved simply by discussing it with us. You should be able to get swift results by emailing us at [email protected].