This Privacy Policy explains how XCreditInsurance, accessible at https://www.xcreditinsurance.com/, collects, uses, stores, and protects information from users who visit or interact with the website. Its purpose is to provide transparency regarding data handling and user rights.
1. Acceptance and Scope
By accessing and using the website, users declare that they have read and understood this Privacy Policy and agree to its terms. If you do not consent to any part of this policy, please discontinue use of the site.
2. Data Collection
2.1. Automatically Collected Information
During navigation, the website may automatically collect technical and statistical information, including:
– IP address
– Browser type and version
– Operating system and device type
– Pages visited and navigation patterns
– Date and time of access, session duration
– Traffic source and referrer data
– Data generated via cookies, pixels, scripts, or similar tracking technologies
These data are anonymous and do not directly identify the user. They are used for performance analysis, security, content optimization, and user experience improvement.
2.2. Information Provided Voluntarily
Users may voluntarily provide personal data through communication channels made available on the site. Such data may include:
– Name
– Email address
– Message content or request details
– Any additional data necessary to handle the request
These data are used solely for the purpose for which they were submitted.
3. Cookies and Tracking Technologies
XCreditInsurance may use cookies and similar tracking technologies to:
– Support and improve site navigation and functionality
– Store user preferences
– Collect usage statistics and performance metrics
– Understand traffic patterns and user behavior
– Display advertisements or personalized content, if applicable
Users can configure their browsers to block or delete cookies. However, disabling cookies may impair certain site functionalities.
4. Third-Party Advertising and Services
The website may display advertisements or integrate services from third-party providers. These third-parties may use their own cookies or tracking methods to:
– Deliver personalized advertisements based on browsing behavior
– Measure ad performance and reach
– Provide analytics and content personalization
Users may manage their advertising preferences via the third-party platforms’ settings.
5. Use of Collected Data
Data collected may be used for:
– Operating, maintaining and improving the website
– Performing analytics to understand website usage and performance
– Personalizing user experience (when applicable)
– Handling communications and requests sent through official channels
– Ensuring security, preventing fraud and maintaining integrity of the platform
– Complying with legal or regulatory obligations, when required
Data will never be used for purposes beyond those described in this Privacy Policy.
6. Data Sharing
XCreditInsurance does not sell, rent, or lease personal data of users. Data may be shared only in the following circumstances:
– Compliance with legal requirements or judicial orders
– Collaboration with service providers (hosting, analytics, ad networks, technical services), limited to the minimum data necessary
– Protection of rights, prevention of fraud, or ensuring platform security
All shared data are handled under strict confidentiality and security measures.
7. Data Security and Storage
We implement reasonable technological and organizational safeguards to protect collected data, including secure servers, restricted access, encryption, and monitoring protocols. However, no system can guarantee absolute security.
8. User Rights
Depending on applicable legislation, users may have rights such as:
– Access to personal data processed by the site
– Request correction or update of personal data
– Request deletion of personal data, when applicable
– Withdraw consent for data processing, when based on consent
– Request clarification about data usage and processing practices
Requests must be sent to:
contact@xcreditinsurance.com
9. External Links
The site may contain links directing to third-party websites. XCreditInsurance does not control external content, security, or privacy practices of those sites. Users are advised to review the privacy policies of any external site before submitting personal information.
10. Policy Changes
This Privacy Policy may be updated at any time. Updated versions will be published on https://www.xcreditinsurance.com/. Users are encouraged to review this page periodically.
11. Contact for Privacy Inquiries
For questions, requests, or clarifications regarding data privacy and processing:
contact@xcreditinsurance.com
Last update: 01/12/2025