Terms and Conditions

This website ("Radian Site") is provided to you by Radian Group Inc. ("Radian"), subject to the following terms and conditions ("Terms"), which incorporate the separately posted Privacy Policy. By using the Radian Site, you agree to abide by these Terms. If you are using the Radian Site on behalf of your employer, you represent that you are authorized to accept these Terms on your employer's behalf. Further, you acknowledge that you are 13 years of age or older, and, if under the age of 18, are using the Radian Site under the active supervision of a parent, legal guardian, or other responsible adult. Children under the age of 13 are not permitted to use the Radian Site or submit personal information to the Radian Site.

1. Links

   The Radian Site may provide links to sites maintained by third parties ("Third Party Sites"). Radian does not operate or control any of the Third Party Sites, and is not responsible or liable for any information, products, services or other materials on or available from them. Radian provides these links without warranties or representations of any kind, express or implied, and does not in any way endorse the Third Party Sites, or any products or services described or provided therein.

2. Site Content; Modification of Terms

   The information and materials posted on the Radian Site may contain errors, omissions, or typographical errors or may be out of date. Radian reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Radian Site (or any part thereof), with or without notice. Radian shall also have right at any time and without prior notice, at its sole discretion, to revise these Terms or to impose new terms and conditions with respect to access to or use of the Radian Site. Such modifications shall be effective immediately upon posting or other notice thereof. Your access or use of the Radian Site after notice of any such modifications shall constitute and be deemed your agreement to be bound by such modifications.

3. Limitation of Liability

   NEITHER RADIAN NOR ITS AFFILIATES NOR ANY OF THEIR 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 RADIAN SITE.

4. Indemnification

   You shall defend and indemnify Radian 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 attorneys fees and litigation expenses), relating to or arising from your use, or inability to use, the Radian Site.

5. Disclaimer

   THE USE OF THE RADIAN SITE IS ENTIRELY AT YOUR OWN RISK. RADIAN IS NOT RESPONSIBLE FOR THE CONSEQUENCES OF SUCH USE. THE RADIAN SITE 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.

6. Submissions

   Except as otherwise expressly provided herein or in the Privacy Policy posted on the Radian Site, any communication or material you transmit to the Radian Site, including any questions, comments, suggestions, or the like, is and will be treated as non-confidential and non-proprietary and may be used by Radian, its affiliates and contractors for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Radian, its affiliates and contractors are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Radian Site for any purpose.

7. Copyright Information.

   If you believe that your work has been copied in a way that constitutes copyright infringement on the Radian Site, please provide the following information to Radian:

   1. An electronic or physical signature of the person authorized to act on behalf of the copyright owner;

   2. A description of the copyrighted work that you claim has been infringed;

   3. A description of where the material that you claim is infringing is located on our website;

   4. Your address, telephone number, and email address so that we can contact you;

   5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

   6. A statement by you, made under penalty of perjury, that the information in your notice to us is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

      You may deliver this information to Radian by mail addressed to:

      Radian Group Inc.
      Legal Department
      Attention: General Counsel
      1601 Market Street
      Philadelphia, Pennsylvania 19103.

8. General

   These Terms constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. Access to or use of the Radian Site shall not be construed as Radian's purposeful availment of the privilege or benefits of doing business in any state or legal jurisdiction other than the Commonwealth of Pennsylvania. This agreement shall be construed and enforced in accordance with the law of the Commonwealth of Pennsylvania, without regard to its choice of law principles. Sole and exclusive jurisdiction for any action or proceeding arising out of, or related to, this Agreement or use of the Radian Site shall be in the state or federal courts located in Philadelphia, Pennsylvania.

All statements on the Radian Site that address operating performance, events or developments that we expect or anticipate may occur in the future are "forward-looking statements" within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. These statements are made on the basis of management's current views and assumptions with respect to future events. The forward-looking statements are subject to risks and uncertainties including the following: changes in general financial and political conditions, such as extended national or regional economic recessions (or expansions), changes in housing values, changes or volatility in interest rates, or other political instability; changes in investor perception of the strength of private mortgage insurers or financial guaranty providers, and risks faced by the businesses, municipalities or pools of assets covered by Radian's insurance; the loss of significant customers with whom Radian has a concentration of its insurance in force; rising delinquencies in mortgage loans insured by Radian resulting from increased consolidation of mortgage lenders and servicers; increased severity or frequency of losses associated with certain Radian products that are riskier than traditional mortgage insurance and municipal guaranty insurance policies; material changes in persistency rates of Radian's mortgage insurance policies; downgrades of the insurance financial-strength ratings assigned by the major ratings agencies to Radian's operating subsidiaries; intense competition from others and from alternative products to private mortgage insurance and financial guaranty insurance; changes in the business practices of Fannie Mae and Freddie Mac; legislative and regulatory changes affecting demand for private mortgage insurance and financial guaranty insurance; changes in claims against mortgage insurance products resulting from the aging of Radian's mortgage insurance policies; changes in Radian's ability to maintain sufficient reinsurance capacity in an increasingly concentrated reinsurance market; vulnerability to the performance of Radian's strategic investments; and the loss of executive officers or other key personnel. You are also directed to other risks discussed in documents filed by Radian with the SEC, including the factors detailed in our most recent annual report on Form 10-K. Radian does not intend to and disclaims any duty or obligation to update or revise any forward-looking statements made on the Radian Site to reflect new information, future events or for any other reason.