Terms of Use

Effective April 2013 | LC001.1

General

This website is provided to you by NMI Holdings, Inc. (and its subsidiaries and affiliates, collectively referred to as “National MI”), subject to the following terms and conditions. By using our website, you agree to abide by these Terms of Use.

The information and materials posted on the National MI website may be updated from time to time, and may also contain errors, omissions, or typographical errors. Your access and use of our website is subject to all applicable federal, state and local laws and regulations. This website is designed for US residents only, and should not be considered a solicitation to buy or an offer to sell any securities or other financial products and services in any other jurisdiction.

As more particularly described below, certain portions of this website are designed for access by registered users only, and as such, additional security provisions and restrictions may apply.

Limitation of Liability and Indemnification

NEITHER NATIONAL MI NOR ANY OF ITS EMPLOYEES, AGENTS, DIRECTORS, OFFICERS, REPRESENTATIVES, SHAREHOLDERS, ATTORNEYS, SUCCESSORS AND ASSIGNS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE, OR INABILITY TO USE, THE NATIONAL MI WEBSITE.

You agree to defend and indemnify National MI and its affiliates and any of their employees, agents, directors, officers, representatives, shareholders, attorneys, successors and assigns, and hold them harmless from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses (including reasonable attorney fees and litigation expenses), relating to or arising from your use, or inability to use, the National MI website.

Disclaimer

THE USE OF THE NATIONAL MI WEBSITE IS ENTIRELY AT YOUR OWN RISK. THE NATIONAL MI WEBSITE IS PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION: 1) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY OR CONTENT OF INFORMATION, PRODUCTS, SERVICES OR RESULTS; AND 2) ANY WARRANTIES OF TITLE OR WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE.

Privacy

This section describes National MI’s privacy practices with respect to this website. Please visit our Privacy Policy page for more specific information regarding our overall privacy practices and non-website activities.

Information We Collect via Cookies, etc. In order to make your visit to our website as productive as possible, we may track user activity – using automated technologies such as cookies, web server logs and web beacons. The tracking technology we use does not identify any personal information about you – for example, it cannot retrieve data from your hard drive, pass on computer viruses, or capture any personal information about you.

A cookie is an electronic file that holds small strings of text. When you visit our website, we may send a cookie to your browser so that we can recognize it when you return to our website. In conjunction with cookies, our web server logs may receive and store certain types of information from your visit – such as time/date, IP address, browser type, internet service provider, the page in which you came or exited through, and the number of clicks you made on our website. We may also use web beacons which are computer instructions that link web pages to web servers and their cookies.

You can adjust many browser preferences so that you are alerted when a cookie is placed in your browser, or adjust preferences to decline cookies altogether. However, please note that without cookies you may not be able to use all of the features of our website.

National MI may use the information collected through automated means for market research, system administration purposes, and data analytics, and we may also utilize third-party web analytics to help us analyze how users use our website.

Information You Provide. Generally speaking, when you visit the public portions of our website, we do not know who you are unless you tell us. For example, you may contact us and request information, and in order to respond to your request, we may ask for information such as your name, e-mail address, mailing address, telephone and fax number, or business contact information. We also may use this information to communicate with you about our products, services, and promotions.

Information We May Share. We may share user activity and site visit information collected via our website with our affiliates, marketing partners or service providers who perform services on our behalf, and as otherwise required or permitted by law. For example, we may be required to disclose personal information to cooperate with law enforcement and regulatory authorities, as part of the sale, assignment, or other transfer of our business, or to perform authentication procedures to prevent fraud. See our Privacy Policy for more specific information regarding our privacy practices.

Security

National MI maintains an information security program and employs reasonable technical, administrative, and physical safeguards designed to protect personal information against unauthorized access or disclosure. However, you should be aware that in general, information sent through unsecured Internet or email channels is not secure — and as such, we cannot guarantee that such transmissions will be free from delay, interruption, interception or error. Email services that may be provided through this website via the public portion of the website generally are not encrypted and do not provide a secure and private means of communication with us, so please do not include confidential or sensitive information in email communications to us. If you are a National MI client or service provider and need a secure method of communication, please utilize the restricted access portion of the website via the user ID and password provided to you by National MI (described below), or contact our Solution Center at 855-317-4NMI (4664) to further assist you.

Restricted Access Site Use

As described above, access to some of the functions available on the National MI website is permitted only to authorized persons who have been provided an individual user ID and password. Your access to and use of that portion of the website is subject to and constitutes your agreement to abide by these Terms of Use, as well as applicable laws and our Privacy Policy at www.NationalMI.com).

You acknowledge that access to the secured pages is restricted to those that have been authorized by National MI and have been issued an individual user ID and password. You agree to safeguard your login credentials and not to share or permit anyone else to use your login credentials to access or use the restricted access site. If you believe your user ID or password has been compromised, or if you learn of any unauthorized use or other breach of security pertaining to our website, you agree to notify us immediately.

Links

Our website may contain links to websites maintained by third parties. National MI does not operate or control any of the third party websites, and is not responsible or liable for any information, products, services or other materials on or available from them. National MI provides these links without warranties or representations of any kind, express or implied, and does not endorse the third party websites, or any of the products or services they describe. To ensure your privacy is protected, we recommend that you review the privacy statements of other websites you visit.

Submissions

Except as otherwise expressly provided herein or in our Privacy Policy, any communication or material you transmit via the public portions of our website (for example, through our Contact Us feature) including any questions, ideas, concepts, comments or suggestions will be treated as non-confidential and non-proprietary. Such submissions may be used by National MI, its affiliates and contractors for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, and posting.

Intellectual Property and Permissions

This website includes service marks and trademarks of National MI. It may also contain trademarks and service marks of third parties used by National MI with permission. No right or license to use any intellectual property contained on our website, or in any software, systems, designs or processes related to this website, is granted to you. All such rights are reserved to and shall remain the exclusive property of National MI.

In addition, you agree not to:

  • download or print any information for any purpose other than for your personal use, or for conducting business with National MI, without our prior permission in each case;
  • reverse engineer, disassemble, decompile or otherwise attempt to discover the source code to any software, systems, designs, processes or proprietary information of National MI;
  • copy (other than in the ordinary course of business use) any screen displays, video, audio, animation, graphics, photographs or text, or remarket, resell, or redistribute the website, in whole or part, or include any portion of our website by framing or deep linking in any other website, without in each case obtaining our prior permission.

Copyrights and Trademarks

The website and all website content contained thereon is protected by copyright as a collective work under Subsection 512(c) of the Digital Millennium Copyright Act, Title 17 of the U.S. Code, and is owned or controlled by, or licensed to, National MI or the party listed as the provider of the applicable website content. Except as expressly stated in these Terms, the website and all website content (including without limitation all look and feel) is owned by or licensed to National MI to the fullest extent permitted by applicable laws. The website and all website content is provided “as is” solely for your personal use and informational purposes. UNAUTHORIZED COPYING, REPRODUCTION, DISTRIBUTION, MODIFICATION, COPYING, PUBLISHING, DISPLAY, ADAPTING, UPLOADING, CREATING DERIVATIVE WORKS, POSTING, OR TRANSMITTING OF ANY OF THE WEBSITE CONTENT IS PROHIBITED. National MI reserves all rights not expressly granted in and to the website and the website content on behalf of itself or its licensors.

The National MI logo and all associated trademarks and logos used herein are trademarks of National Mortgage Insurance Corporation. Other company and product names, logos and trademarks used herein are the property of their respective owners. All rights reserved.

COPPA

Our website is not intended for children. If you are using this website, you acknowledge that you are 13 years of age or older, and if under the age of 18, are using the National MI Website under the active supervision of a parent, legal guardian, or other responsible adult.

Miscellaneous

These Terms of Use constitute the entire agreement with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties.

The information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service. Some products and services may not be available in all jurisdictions.

This website is controlled, operated and administered by National MI from its offices in the U.S. These terms of use shall be governed by the laws of the State of California and applicable federal law, without regard to conflict of law provisions. You agree that the appropriate state or federal court in Alameda County will have the exclusive jurisdiction to resolve all disputes arising from this website or these terms of use, and you consent to personal jurisdiction in such forum.