Last updated: October 28, 2026
1. Introduction
This Cookie Notice explains how Xcotton Limited (“Xcotton”, “we”, “us” and “our”) uses cookies and similar technologies on www.xcottons.com, xcottons.com, sp.xcottons.com, .xcotton.ai, support.xcotton.ai, xcottons.com and sp-eu.xcottons.com (the “Websites”), including the claim and protection-service features available through them.
Please read this Notice together with our Privacy Policy. which explains how we process your personal data, how to contact us and your data protection rights.
We use cookies to support sign-in, claim handling, secure payment-detail updates and website chat sessions,functional preferences and analytics. Details of the cookies we use are set out in Appendix A-C.
2. What Are Cookies and Similar Technologies
2.1 Cookies
Cookies are small text files stored on your device when you visit a website. They allow a website to recognise your browser, remember information and support website functions. First-party cookies are set on the domain of the website you visit. Third-party cookies are set on a different domain, for example through content or services embedded in a website.
Session cookies remain for the duration of a browsing session and are generally deleted when the browser is closed. Persistent cookies remain until they expire or are deleted. The duration of each cookie used on our Websites is listed in Appendix A-C.
2.2 Similar Technologies
Similar technologies include local storage and session storage, which allow websites to store information in a browser to support functions or remember preferences. Local storage can retain information between visits, while session storage generally lasts for a page session.
Pixels, also known as web beacons, are small images or pieces of code embedded in webpages or emails. They can be used to record when content is viewed or interacted with. References to “cookies” in this Notice also cover similar technologies where applicable.
3. Types of Cookies We Use
We use the cookie categories describe below, subject to the settings and consent requirements explained in Section 5. Appendix A lists strictly necessary cookies; Appendix B lists functional cookies; and Appendix C lists analytics and performance cookies.
Strictly Necessary Cookies
These cookies are essential to provide website functions or services you request. We use them to maintain signed-in sessions, match your protection and claim details, secure payment-detail updates, prevent duplicate claim submissions and maintain a chat session you start.
Strictly necessary cookies do not require your consent under applicable European cookie rules and cannot be switched off through our cookie preference controls. You can block or delete them in your browser, but the functions they support may not work properly.
Functional Cookies
These cookies remember your choices and preferences, such as language or display settings, and provide additional website features. Appendix B lists the functional cookies currently described in this Notice. The xcotton_locale cookie is written after you accept functional cookies, or when you change your language preference while that choice is still valid.If you do not allow these cookies, some preferences may not be saved and certain features may not work as intended.
Analytics and Performance Cookies
These cookies help us understand how visitors use the Websites, including which pages are visited and how the Websites perform. This information helps us identify technical issues and improve website functionality and performance. Appendix C lists the Google Analytics 4 cookies currently described for the xcotton.ai website and help center. These cookies are written only after you accept analytics cookies.
Marketing and Targeting Cookies
These cookies help measure the effectiveness of advertising campaigns and deliver advertisements relevant to your interests. They may also help limit how often you see an advertisement and recognise your browser across websites.
4. Third Party Cookies and Services
Third-party cookies are cookies set on a domain other than the website you are visiting, for example by an external provider of embedded content, analytics or advertising services. We allow third-party providers to set cookies on the Websites for the purposes described in Section 3. Appendix A-C identifies these cookies, their providers, domains, purposes and durations, and provides links to the relevant providers’ privacy or cookie policies. Where consent is required, these cookies are enabled only after you consent. You can manage your choices as explained in Section 5.
Cookies independently used on merchant and other third-party websites are covered by those websites’ own privacy and cookie notices.
5 Your Choices and Cookie Controls
5.1 Cookie Preferences
You can accept or reject optional cookies and manage your preferences through the cookie settings on the Websites. Where consent is required, we use these cookies only with your consent. You can change your preferences or withdraw your consent at any time through the same settings. Strictly necessary cookies cannot be disabled through these settings.
5.2 Browser Controls
You can also use your browser settings to manage or delete cookies and other website data. These controls generally apply to the browser and device you use. Instructions are available from the following browser providers:
- Google Chrome
- Mozilla Firefox
- Apple Safari
- Microsoft Edge
- Opera
Blocking or deleting necessary cookies may sign you out or affect claim access, payment-detail updates or chat continuity. Cookie deletion does not by itself delete related claim records, communications or other personal data held by Xcotton or its service providers. See our Privacy Policy for retention information and how to exercise your rights.
6. Changes to This Cookie Notice
We may update this Notice when our technologies, purposes or legal obligations change. We will revise the date above and provide additional notice of material changes where required. Please review this Notice periodically.
7. Contact Us
For questions about this Notice or our use of cookies, please contact Xcotton Limited at [email protected]. You can also use this address to contact our data protection officer about privacy matters, including those relating to the EEA.
Appendix A Cookie List
These cookies are used for strictly necessary functions. A cookie may apply only to the particular feature you use. The durations below describe browser-cookie expiry, not the retention of associated server-side records or data held by service providers.
Appendix B Cookie List
These cookies are used for functional preferences and service operation. A cookie may apply only to the particular feature you use. The durations below describe browser-cookie expiry, not the retention of associated server-side records or data held by service providers.
Appendix C Cookie List
These cookies are used for analytics and performance on the xcotton.ai website and help center. They are written only after you accept analytics cookies. A cookie may apply only to the particular feature you use. The durations below describe browser-cookie expiry, not the retention of associated server-side records or data held by service providers.