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Terms of Use

Terms of Use

Terms of Use

Effective February 2026
LC001.5

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. You represent and warrant that you have the legal right and ability to enter into these Terms of Use and to use the website in accordance with these Terms of Use. To access the website, you will need a working connection to the Internet via a web browser on your computing device for which you are responsible for all costs, expenses, and fees.
The information, materials, policies, and terms posted on the National MI website may be updated from time to time, and may also contain errors, omissions, or typographical errors. Your continued use of the website will constitute your agreement to any such updates. Your access and use of our website is subject to all applicable federal, state and local laws and regulations. This website is designed for use by US residents only. Eligibility for products and services is subject to our final determination, restrictions, and acceptance. We may discontinue or make changes to the information, products, or services described on this website at any time without prior notice to you.
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

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, NEITHER NATIONAL MI NOR ITS AFFILIATES NOR ANY OF ITS OR ITS AFFILIATES’ 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

The website is subject to our Privacy Policy, which is incorporated by reference into these Terms of Use. Please visit our Privacy Policy for more specific information regarding our overall privacy practices and non-website activities.

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.
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 or other messaging 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 or other 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.
When using the website, you are prohibited from attempting to gain unauthorized access to or impairing any aspect of the website or related systems or networks.

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.
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, such as vendors or social media sites. 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. We reserve the right to terminate a link to a third-party website at any time.

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 without compensation to you, 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 or its licensors.
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;
  • remove any copyright, trademark, or other proprietary notices;
  • reverse engineer, disassemble, decompile, or otherwise attempt to discover the source code to any software, systems, designs, processes, or proprietary information of National MI; or
  • 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 of Use, 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.

Miscellaneous

These Terms of Use, including all materials incorporated therein by reference such as the Privacy Policy, constitute the entire agreement with respect to the website and supersede all previous written or oral agreements between the parties with respect to the website.
We may at any time, with or without cause, and without prior notice to you deny you access to the website.
The information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product, financial product, or other product or service. Some products and services may not be available in all jurisdictions. The website is not intended for use by persons in any jurisdiction or country where such use would be contrary to applicable laws or regulations. We may restrict your access to the website during times you are in a country for which use of the website would be prohibited. You are responsible for compliance with all local laws.
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. No failure, omission, or delay on our part to exercise any right under these Terms of Use will preclude any other further exercise of that right or other right under these Terms of Use. If any terms in these Terms of Use change due to applicable law or is declared invalid by order of a court, the remaining terms of these Terms of Use will not be affected, and these Terms of Use will be interpreted as if the invalid terms had not been placed in these Terms of Use. The headings in these Terms of Use are intended only to help organize these Terms of Use.