TERMSLAST UPDATED SEPTEMBER 2026

Terms for using this website.

These terms cover this website only. The work itself is governed by the engagement agreement, which is published in substance on our Engagement page and which prevails over anything written here.
TERMSUNITED STATES AND CANADA
01

The agreement governs the work

The pages here describe our services so that you can decide whether to have a conversation. The written agreement is what creates an engagement. Every engagement runs on a written agreement that sets out the scope, the service standard, the people named to the account, the fee and the term. Where anything on this site differs from that agreement, the agreement applies.

02

What this site is for

The pages here describe our services in general terms so that you can decide whether to have a conversation with us. They are not investment, legal, insurance, accounting or tax advice, and no relationship is created by reading them or by sending us an inquiry.

03

The examples we publish

Engagements described on the results pages are anonymized at the client's request. Industry, size, ownership, the measure, the baseline and the timeframe are accurate. Figures are presented as indices, percentages, days or multiples. Past engagements describe what happened in those businesses and are not a forecast of what will happen in yours.

04

Where our services are available

Our services are delivered through the divisions of XL Financial Group, and what each division can provide varies by jurisdiction. Availability of any particular service in your state or province is confirmed in the first conversation.

05

Our material

The text, design and material on this site belong to XL Financial. You are welcome to read it, quote it with attribution, and take our published terms to any other firm you are considering — we encourage that. Reproducing the site itself is a different matter.

06

Links out

Where we link to anything outside this site, it is under someone else’s control and governed by their own terms.

07

Changes

We may update these terms, and the date at the top of the page will change when we do.

This page is written in plain language and is intended to be clear rather than exhaustive. If you need a specific point confirmed in writing for your jurisdiction, ask and we will put it in writing for you.