The following Privacy Policy ("Privacy Policy") governs this website ("Site") operated by XCEL COMPANIES ("XCEL", "we", or "us"), and is incorporated into, and made a part of, the Terms of Use set forth above.

This Privacy Policy applies to any and all websites owned or operated by XCEL. Unless we say otherwise, all references to the XCEL sites in this Privacy Policy include all such sites. This Privacy Policy does not apply to any unaffiliated sites to which any of the XCEL sites only link. 

XCEL is committed to safeguarding the privacy and security of the information we collect. This Privacy Policy explains the policies we follow with respect to the handling of information collected by XCEL through our Site.

Information Collected

XCEL, and all of its related affiliates, (XCEL) respects your privacy and is committed to handling information about you responsibly. XCEL understands the need to safeguard sensitive information that you have provided and that you expect privacy and security for your personal and financial affairs. XCEL attempts to minimize the information it collects to that which it reasonably believes is necessary in processing or administering your requests for information, providing products, services and other opportunities that may be of interest to you.

In general, you can visit this Site without telling us who you are or revealing any information about yourself. Our web servers automatically collect domain names and/or internet protocol addresses for marketing research purposes only, not the e-mail addresses or any other personal information, of visitors.

This Site is not intended for children. We do not knowingly solicit or collect personal information from or about children, and we do not knowingly market our products or services to children.

Use of Collected Information

Domain name and or internet protocol address information that we collect is not used to personally identify you and instead is aggregated to measure the number of visits, average time spent on the site, pages viewed, etc. We use this information to measure the use of our site and to improve the content of our site and the overall user experience.

This Site is intended for commercial use only, and we collect, retain and use information about visitors to the Site only for specific business purposes, including: (i) to respond to requests for information about our products and services, (ii) to administer the Site or improve its performance, (iii) to provide customer support, (iii) for security purposes and to combat fraud (iv) to generate broad statistical and demographic information, and (v) to comply with certain laws, regulations, and card association rules and regulations.

We do not share, sell, or lease personal information about you to any third-parties for their marketing use. We will release information about you if you direct us to do so, if we are required by law to do so, or in other legally limited circumstances. 

After you are no longer an active XCEL customer, XCEL will continue to treat information you have provided as if you were still a customer.

Effectiveness of Privacy Policy

This Privacy Policy is effective as of January 1, 2008, and applies to personal and financial information submitted via this website on or after that date. Security of Collected Information

We maintain strict physical, electronic, and administrative safeguards to protect your personal information from unauthorized or inappropriate access. We restrict access to information about you to those XCEL employees who need to know the information to respond to your inquiry or request. Employees who misuse personal information are subject to disciplinary action.

Changes to this Policy

Please check this privacy policy periodically to inform yourself of any changes. If we decide to change the Privacy Policy, we will post any changes on this website. Any such changes shall be effective upon posting on the website. By accessing the site following the posting of changes to the Privacy Policy, you agree to all such changes.


If you have any questions or complaints relating to this Privacy Policy or how we use the personal information we have about you, please contact We will respond to you promptly.