Privacy Policy


Your privacy is important to us. Accordingly, we have kept our privacy policy as simple and comprehensible as possible. This Privacy Policy applies to website, blog, as well as emails sent to and from people at in the course of doing business. does not share personal information with third parties, nor do we store any information about users other than to analyze and optimize your content and reading experience through the user of cookies. Such cookies are also NOT shared with anyone outside of Xerago. You can turn off the use of cookies at anytime by changing your specific browser settings.

When you browse our websites, or when we correspond over email, we may include a web beacon to allow us to determine the number of people who visit our websites and open our emails. When you click on a link in an email, we may record limited information, such as a cookie identifier, time and date of a page being viewed, and a description of the page on which the Web Beacon resides (the URL), simply to measure the responses and traffic. We use Google Analytics and other tracking tools to measure such traffic / open rates, but we not identify any users personally.

All information shared by users on website, blog, and email, are strictly confidential and are considered private exchange of information between the concerned parties. The only instance when we may share any information is if we are forced to do so, to be compliant with law. However, we do not anticipate that in the normal course of business at Xerago, such a requirement to legally share information will arise.

We never share, sell, or rent individual personal information with anyone for promotional or any other marketing use, without your advance permission, or unless ordered by a court of law. Information submitted to us is only available to employees managing this information for purposes of contacting you in the normal course of doing business between Xerago and yourself personally, or your employer organization.

To sum up, all user information is held sacrosanct and protected with the same amount of diligence with which we would protect our own information. We use strong security measures to protect against the loss, misuse and alteration of data used by our system.

This privacy policy is subject to change without notice and was last updated on January 1, 2015. If you have any questions feel free to contact us at

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What's your score?

Know what? You are not alone – less than 0.2% of the world’s financial services brands can stake the claim that they can do all this.

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Congratulations! You are probably in the top 0.2% of the world’s leading financial services brands.

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Score how well you are maximizing customer value

Answer 7 questions to figure out how well you are maximizing customer value.

Do you continuously engage with every customer in your portfolio – even when they don’t visit your branches – not just to wish Happy Birthday or Merry Christmas, but to truly grow value?

Is every non-branch interaction with your customers intelligent enough to consider relationship history, relationship value and customer exhibited behavioral traits and preferences? Every single interaction?

Do you know which customer to include and exclude, when to do so, and with what message, when you want them to buy your products and services? Do you do this without offline / online spamming?

Is there a clearly articulated strategy, understood by everyone? Is it being implemented by all stakeholders cohesively working together, to maximize customer value?

Do you proactively arrest customer value decline, even when customers don’t yell, or send stinkers to support? For example, when card spends decline steeply, do you auto-activate those customers?

Can you do all the above by clicking a few buttons – without investing in an army of IT, Analytics, Marketing and Product Managers?

To sum up, do you continuously grow customer value – measured on both revenue and relationship dimensions – evidenced by portfolio revenue and business value metrics?

To score yourself, you need to take the quiz!

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