Xact Expat Terms & Conditions

By using this website, and any information or content found within the website and/or distributed in relation to this website, means you acknowledge and agree to these "Terms & Conditions", our "Site Privacy Policy", "Cookie Policy" and additional notices posted on this site. If you do not acknowledge, agree and comply with these terms, you may not access this website or use any content, information, products or services, from this site.

www.xactexpat.com reserves the right, to make any modifications of these "Terms & Conditions" and "Site Privacy Policy" and "Cookie Policy" without liability or having to give notice to any persons that had previously visited www.xactexpat.com or purchased any of our products. Once changes have been posted they shall be effective immediately. It is your responsibility to periodically review the "Terms & Conditions", "Privacy Policy" and "Cookie Policy" and any subsequent use by you for this site shall constitute your acceptance of any changes.

www.xactexpat.com reserves the right to terminate a persons use and access to this website at any time, with or without cause and without any notice. The right to terminate use of the website is the absolute discretion of www.xactexpat.com.

We invite you to view our Privacy Policy for further information governing this website.

Providing Information

By using this site you may be asked to provide certain information in order to receive an insurance quotation. One of the conditions of using website is that any and all information your provide, in whatever format, will be current, correct, and complete. We reserve the right to refuse you access to this site if we believe you are supplying false information or deliberately omitting relevant information.

Proprietary Information

Any material and content accessible from this website is the proprietary information of www.xactexpat.com or the party that provided the content or material to www.xactexpat.com.

Any material and content found within this website may not be copied, distributed, republished, uploaded, posted, or transmitted in any way unless you obtained prior written consent from www.xactexpat.com.

You are permitted to print a copy of content provided it is solely for your personal use. If printing content/material, you may not remove or alter, or cause to be removed or altered, any copyright, trade name, trademark, service mark, or any other proprietary notice or legend appearing on any of the content or material.


Except when stipulated by law or subject to our "Privacy Policy", www.xactexpat.com has the right to use, reproduce, adapt, modify, translate, publish, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information submitted to this site. Xact Expat may use any submission in its business without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Company operations.

Any personal information submitted through this website will be treated in accordance with the "Site Privacy Policy"

Website Visitor Conduct

You may not post, send, submit, publish, link to or from, or transmit in connection with this website any material that:

  • advocates illegal activity or discusses an intent to commit an illegal act;
  • violates any law or may be considered to violate any law;
  • is vulgar, obscene, pornographic, or indecent;
  • does not pertain directly to this site;
  • seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;

  • threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
  • impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
  • infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;
  • solicits funds, advertisers or sponsors;
  • advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorised on this site;
  • disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real time activities via this site;
  • includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications;
  • includes MP3 format files;
  • disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or
  • contains hyper-links to other sites that contain content that falls within the descriptions set forth above.

www.xactexpat.com, while under no obligation to do so, does reserve the right to monitor use of this website and verify compliance with these "Terms & Conditions" www.xactexpat.com also maintains the right to remove or refuse any information for any reason.

You are solely responsible for the information and content provided in any, and all, of your submissions. You acknowledge and agree that neither www.xactexpat.com, nor any third party that provides content to this website will assume, or have any liability, for any action or inaction by www.xactexpat.com or such third party with respect to any submission.


You will find instances within this website where a link is provided to another site, these are provided for your convenience and information only. www.xactexpat.com does not take any responsibility, and can not be held liable, for any link to a website, including its operations or any information it provides. It is your responsibility to read any legal disclaimers, terms, conditions, privacy policies or government regulations (as they may be different from your country or www.exactexpat.com) found on the linked website. A link from www.xactexpat.com to another website does not constitute an endorsement, approval, referral, advertising, offer or solicitation to the linked website.

Miscellaneous Items

  • Any materials and content contained within this website, or provided from this website, are provided ‘as is’ and without representations or warranties of any kind, either expressed or implied.
  • We can not guarantee that functions or operations of thie website will be error free.
  • We can not guarantee that functions or operations of this website will be uninterrupted.
  • We can not guarantee that defects will be corrected.
  • We can not guarantee that any email or content sent from this site will be free of viruses or other harmful components.
  • You use this website, and any content found within at your own risk.

Authorisation & Regulation

Xact Expat is a trading name of Xact Risk Solutions Ltd and is authorised and regulated by the Financial Conduct Authority. Our Regulated Firm Number is 590914.

Full details can be found on the FCA Register. You can contact the Financial Conduct Authority (FCA) at: 25 The North Colonnade, Canary Wharf, London E14 5HS. You can also call their Consumer Helpline on 0800 111 6868 (+44 20 7066 100 from overseas). Additional information can be obtained from www.fca.org.uk.

Registered Office: 34 Lime Street, London, EC3M 7AT. Company registration number: 08142321


If you have any questions, wish to make a comment or register a complaint please contact us.