Terms and Conditions

USER MUST AGREE TO THESE TERMS BEFORE USING THE WEBSITE HAVING THE DOMAIN NAME OF WWW.RADIAN.COM  OR CREATING ANY ACCOUNT FOR SERVICES ACCESSED THROUGH THE WEBSITE.  BY USING THE WEBSITE OR CREATING ANY ACCOUNT, THE USER AGREES TO BE BOUND BY THESE TERMS, AND BE LIABLE TO RADIAN, FOR ANY NONCOMPLIANCE WITH THESE TERMS.  IF THE USER DOES NOT AGREE TO THESE TERMS, USER MAY NOT USE THE WEBSITE AND SHOULD NOT CREATE ANY ACCOUNT.

 

Upon User accessing the website, these Terms will become valid, binding and enforceable with respect to User in accordance with these terms. User represents to Radian that the performance of User’s obligations under these Terms will not constitute a default, or an event which with the passage of time, the giving of notice, or both, would constitute a default, under any other agreement by which User is bound.


IMPORTANT - READ CAREFULLY: Upon accessing the website, these Terms create a binding legal contract between User and Radian.    

 

This website and all other internet websites operated and controlled by Radian and its affiliated companies (collectively, the “Radian Site”) is provided to you (“User”) by Radian Group Inc. and its affiliates (“Radian”), subject to the following terms and conditions (“Terms”), which incorporate the separately posted Privacy Policy. These Terms govern your use of the Radian Site and services accessed through the Radian Site (“Services”). By using the Radian Site, you agree to abide by these Terms (“Agreement”). 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, content, products, services or other materials on or available from them. Radian provides these links solely as a convenience to you and 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.

    Radian is not and will not be responsible for (1) any terms or conditions of any transaction you enter into using a Third Party Site, (2) the credit worthiness, business reputation, or background of any third party, (3) the quality or appropriateness for your needs of any product or service you obtain from any Third Party Site, or (4) any other legal liability arising out of or resulting from your interaction with any Third Party Site or any transaction you enter into with any third party.

  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 continued access or use of the Radian Site after notice of any such modifications shall constitute and be deemed your acknowledgement and agreement to be bound by such modification. If you object to any changes, you must discontinue using the Radian Site immediately.

    Radian reserves the right to update or change these Terms at any time by posting the most current version of the Terms on the Radian Site with a new Effective Date shown. All such changes in the Terms shall be effective from the Effective Date. Your continued use of the Radian Site and Services after we post any changes to the Terms signifies your agreement to any such changes. If you do not agree to these Terms, you must discontinue using the Radian Site and Services immediately.

  3. No Legal, Financial or Professional Advice Given

    Your individual circumstances and needs may vary from those of others. As such, nothing on this website should be deemed financial or professional advice by Radian to you in any way.  If you choose to buy any Radian product or service, you should not rely on the information provided by this website.  You should make your decision based on your review of the policy documentation and/or services descriptions, the terms, conditions, exclusions and limitations of the specific products or applicable agreements and the advice provided to you by your agent and/or other advisors before making your purchase.

    The Radian Site may contain form legal documents, tools, or other resources ("Resources") provided for the convenience of Users. These Resources are for convenience only, and Radian expressly disclaims any guarantee of accuracy. Their presence on the site should not be construed as the delivery of legal advice by Radian or any other party, and the use of any such Resources shall be governed by any additional terms of use applicable to such Resources. Before using any such Resources, User agrees to consult independent legal counsel as to the advisability of using the Resources.

  4. Privacy Policy

    The use of information provided by or about you by Radian is governed by Radian’s Privacy Policy. Radian shall have the non-exclusive right and license to use and reproduce any agent photos uploaded to the Site or an affiliate’s site for its everyday business purposes, including but not limited to the development of marketing and/or promotional materials for its products and services.  Radian may also share such photos and/or likenesses with affiliates and non-affiliates for the purposes listed in Radian’s Privacy Policy.

  5. Registering

    You do not have to register to view information available through the Radian Site and Services but only registered users can access certain features and Services which require registration and a password for access. Unauthorized use of, or access to, these restricted areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Access to Restricted Areas may be monitored, analyzed and recorded and any information obtained regarding actual or suspected unauthorized access may be given to law enforcement to investigate and prosecute. You may become a registered user of the Service by providing your name and email address and agreeing to the terms and conditions specific to that Service. Radian reserves the right to deny, in its sole discretion, any user access to the Radian Site and Services without notice. You acknowledge and agree that the Site and Services may include security measures that permit materials to be protected or that limit access to, or use of, certain components, areas or elements of the Radian Site and Services.

    You may not attempt to override, bypass, disable or circumvent any of these security measures. By registering you agree to provide true, accurate, current and complete information about yourself as prompted by the registration form, and (ii) maintain and properly update your account information to keep it true, accurate, current and complete. If you provide information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that you have, or you violate these Terms, as determined in our sole discretion, we have the right to suspend or terminate your access and refuse any and all current or future use of the Radian Site and Services (or any portion thereof). By permitting your registration, Radian does not in any way promise, warrant or guarantee that you will qualify for any products or Services Radian offers and information on the Radian Site may contain offers for products and services that are not announced or available in your state, country or region of the world. Consult your local business contact for information regarding the products and services, which may be available to you. Radian does not in any way imply that the materials on the Radian Site or the products or Services Radian identifies or offers are available for use outside the United States or in jurisdictions within the United States in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction.

  6. Security of Username and Password

    You are entirely responsible for maintaining the confidentiality of your password and account, to the extent one is required to access features or Services provided through the Radian Site. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify Radian immediately of any unauthorized use of or access to your account or any other breach of security (and to provide properly documented evidence as reasonably requested by Radian). We will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you will be liable for losses incurred by Radian or another party due to someone else using your account or password. You may not use anyone else's account at any time. Your authorization to access the restricted areas on the Radian Site is limited to those specific restricted areas for which you are granted access by us; access to any other restricted areas will be deemed unauthorized access. If you suspect that your password has been compromised in any way, change your password immediately.

    When you select a password and register with the Radian Site, you agree to the following conditions:

    • Radian is authorized to act on instructions received under your password without any requirement to question those instructions;
    • Radian is not liable for any unauthorized access to information you submit to the Radian Site, including without limitation your personal information, except to the extent caused by the gross negligence or willful misconduct of Radian;
    • Your user ID and password contain sensitive information and you will keep it confidential and secret; and
    • Radian may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.
     
  7. Blocking IP Addresses

    You understand that in order to protect the integrity of the Services, Radian reserves the right at any time in its sole discretion to block a User from certain IP addresses from accessing the Radian Site or Services.

  8. Submissions

    Except as otherwise expressly provided herein or in the Radian Privacy Policy posted on the Radian Site, any information, data, communication or material you transmit to the Radian Site, including without limitation any questions, comments, or suggestions (collectively, “User Submission”), is and will be treated as non-confidential and non-proprietary and may be used by Radian and its contractors, service providers, advisers, employees, agents, directors, officers, or representatives (collectively, “Representatives”) for any purpose, including but not limited to reproduction, marketing, disclosure, transmission, publication, broadcast, and posting. Furthermore, Radian and its Representatives are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Radian Site for any purpose. To the extent you may have, by operation of law or otherwise, certain proprietary rights regarding a User Submission, you hereby grant to Radian and its affiliates a non-exclusive, royalty-free, fully paid-up, irrevocable worldwide license (with right to sublicense) to such User Submission.

  9. No Unlawful or Prohibited Use

    You agree that you will not use or attempt to use the Radian Site for any purpose that is not permitted by law or prohibited by these terms, conditions, and notices. You agree that you will only use the Radian Site for the purposes intended by Radian (“Permitted Use”) and will not obtain or attempt to obtain any information that was not intended to be provided through the Radian Site. Also, you agree that you will not use or attempt to use the Radian Site in any manner that could damage, disable, overburden, or impair the Radian Site or interfere with any other party’s use and enjoyment of the Radian Site. You shall not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Radian Site. You shall not, nor make any attempt to, alter, modify, improve, reverse engineer, disassemble or decompile the Radian site, any systems found on the Radian Site, the Services or any information obtained through the use of the Radian Site.

  10. 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, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THE RADIAN SITE.

  11. Severability

    You agree that the terms of this Agreement are severable. If any term or provision is declared invalid or unenforceable, in whole or in part, that term or provision will not affect the remainder of this Agreement. This Agreement will be deemed amended to the extent necessary to make this Agreement enforceable and valid; the remaining terms and provisions will remain in full force and effect.

  12. Choice of Law, Arbitration and Class Action Waiver

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.  These Terms shall be construed and enforced in accordance with the law of the Commonwealth of Pennsylvania without regard to its choice of law principles. Except for claims which may be subject to arbitration as set forth herein, sole and exclusive jurisdiction for any action or proceeding arising out of, or related to, these Terms or use of the Radian Site shall be in the state or federal courts located in Pennsylvania.

 

  1. Disputes/Binding Arbitration

    You and Radian Group, Inc. and its subsidiaries (hereinafter referred to as “Radian”), agree that, except as provided below, any dispute, claim or controversy arising out of or relating in any way to Radian’s website and applications (the “Site”), its contents, tools, services, or this Agreement (a “Claim”) will be determined solely by confidential and binding arbitration, instead of a court. The venue for the arbitration shall be the State of Pennsylvania. 

  2. What is Arbitration?

    Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. You agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision and that you and Radian are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of this Agreement and/or the termination of the Site.

    Either party may submit a dispute to final and binding arbitration.   You may file for an arbitration by  first sending to Radian a written notice of your claim ("Notice of Claim"). The Notice of Claim to Radian should be sent in care of our registered agent:  Corporation Service Company, 251 Little Falls Drive, Wilmington, Delaware 19808.  The Notice of Claim should include both the mailing address and email address you would like Radian to use to contact you. If Radian elects to seek arbitration, it will send, by certified mail, a written Notice of Claim to your address on file. A Notice of Claim, whether sent by you or by Radian, must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific amount of damages or other relief sought.

    You and Radian agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost and mutually beneficial outcome. You and Radian, therefore, agree that, after a Notice of Claim is sent but before either you or Radian commence arbitration against the other, we will personally meet, via telephone or videoconference, in a good-faith effort to confer with each other and try to resolve informally any Claim covered by this Agreement. If you are represented by counsel, your counsel may participate in the conference as well, but you agree to fully participate in the conference. Likewise, if Radian is represented by counsel, its counsel may participate in the conference as well, but Radian agrees to have a Radian representative fully participate in the conference. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph.

    If we do not reach an agreement to resolve the Claim within sixty (60) days after the Notice of Claim is received, you or Radian may commence an arbitration proceeding by filing a Demand for Arbitration. You agree that you may not commence any arbitration unless you and Radian are unable to resolve the claim within 60 days after we receive your completed Notice of Claim and you have made a good faith effort to resolve your claim directly with Radian during that time. You may download or copy a form of notice and a form to initiate arbitration at www.adr.org or by calling 1-800-778-7879. The arbitration will be conducted by the AAA before a single AAA arbitrator under the AAA's rules, which are available at www.adr.org or by calling 1-800-778-7879, except as modified by this Agreement. Unless Radian and you agree otherwise, any arbitration hearings will take place in the county (or parish) of either your residence or of the mailing address you provided in your Notice of Claim.

  3. Discovery/Document Exchange/Evidence/Burden

    Discovery and/or the exchange of documents in any such arbitration proceeding shall be permitted to the extent allowed by Fed.R.Civ. P. 26(a)(1), and as to other documents or information, upon the finding of good cause by the arbitrator. The Federal Rules of Evidence shall govern the admissibility of information or evidence presented at the arbitration, and the Party seeking a remedy shall have the burden of proving by a preponderance of the evidence such Party's entitlement thereto. 

  4. Selection of Arbitrator

    A single, neutral arbitrator, with at least ten years of experience, shall be mutually selected by the Parties. In the event the Parties are unable to mutually agree upon an arbitrator, the Parties shall select an arbitrator as provided for by the rules governing the dispute. You may obtain a copy of the AAA Commercial Arbitration Rules and Procedures at https://www.adr.org/Rules. 

  5. Arbitral Decision/Review

    The arbitrator shall have the authority to hear and grant dispositive motions in the matter. The arbitrator shall also have the exclusive authority to determine whether a claim is arbitrable or otherwise covered by this Agreement. Within 30 days of the close of the arbitration hearing, or at any later time to which the parties agree, the arbitrator shall issue a final written decision, separately stating his or her findings of fact and conclusions of law on which the ruling is based with respect to any ruling on dispositive motions or a final arbitration award. The arbitrator shall have no authority or power to add to or to subtract or otherwise modify this Agreement. The arbitrator's award or other decision shall be final and binding on the Parties. Judgment on any award may be entered in any court having jurisdiction as set forth immediately below.

    Payment of all filing, administration, and arbitrator fees will be governed by the AAA Rules. You are required to pay AAA's initial filing fee, but Radian will reimburse you for this filing fee at the conclusion of the arbitration to the extent it exceeds the fee for filing a complaint in a federal or state court in your county of residence. If the arbitrator finds that either the substance of your Claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11[b]), then the payment of all fees will be governed by the AAA Rules and Radian will not reimburse your initial filing fee. The parties agree that the AAA has discretion to modify the amount or timing of any administrative or arbitration fees due under the AAA Rules where it deems appropriate, provided that such modification does not increase the AAA fees to you or Radian and you and Radian waive any objection to such fee modification.

  6. CLASS-ACTION WAIVER

    You and Radian agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

    Further, if you have elected arbitration, unless both you and Radian agree otherwise, the arbitrator may not consolidate any other person's Claims with your Claims and may not otherwise preside over any form of a representative or class proceeding. If Radian believes that any Claim you have filed in arbitration or in court is inconsistent with the limitations in this paragraph, then you agree that Radian may seek an order from a court determining whether your Claim is within the scope of the Class Action Waiver. If this Class Action Waiver is found to be unenforceable, then the entirety of this Disputes Section shall be null and void. This section shall survive expiration and/or termination these Terms of Use.

  7. Opt-Out RIGHTS

You may opt out of arbitration by providing written notice of your intention to opt out to the arbitration provider and to Radian, Attn: Legal Department, 550 East Swedesford Road, Suite 350, Wayne, PA 19087 via USPS Priority Mail or hand delivery. This written notice must be signed by you, and not any attorney, agent, or other representative of yours. Radian may opt out of arbitration by sending written notice of its intention to opt out to the arbitration provider and to you or your attorney, agent, or representative if you are represented.

13. 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 of, or inability to use, the Radian Site.

14. 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.

15. No Third-Party Beneficiaries
Except as otherwise expressly provided in these Terms, there shall be no third-party beneficiaries to these Terms.

16. Intellectual Property
All data and materials developed or provided by Radian in connection with the operation of the Radian Site, including without limitation all pages, screens, functionality, text, images, and the general “look and feel” used on the Radian Site, and all proprietary rights inherent therein or appurtenant thereto, shall be the exclusive property of Radian and may not be used by User without the express written consent of Radian. All content published on the Radian Site, including without limitation any and all proprietary rights thereto, is owned by Radian or Radian’s third-party licensors, and such content may not be copied or distributed in any way by User for any purpose. Radian’s use of information collected from a User shall be in accordance with the Privacy Policy. Subject to the terms and conditions contained herein, Radian grants you a non-exclusive, non-transferable, revocable license, without the right to sublicense, to use the Services provided on the Radian Site solely for the Permitted Use.  The license granted by Radian pursuant to these Terms is not perpetual.  Radian may at any time and at its discretion terminate this license. You shall have no implied licenses nor shall an implied license be deemed to be granted.  

17. Copyright Information
We reserve the right to remove, in our sole discretion, any User materials on the Radian Site. We are under no obligation to, and do not, scan content posted for any violations of third-party rights, however, we respect the copyright interests of others and it is our policy not to permit materials known by us to infringe another party’s copyright to remain on the Radian Site. 

If you are a copyright owner or an agent thereof and believe that anything on the Radian Site or in the Services infringes upon your copyrights, you may submit a notification of infringement pursuant to the Digital Millennium Copyright Act ("DMCA") by providing Radian’s Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the material that you claim is infringing is located on our website (please include URLs to help us identify the material); (iv) your address, telephone number, and email address; (v) a written 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 (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.  Radian’s designated Copyright Agent to receive notifications of claimed infringement is:
 
W. Drew Kastner, Esq. 
Ten Penn Center    
1801 Market Street, Suite 2300
Philadelphia, PA 19103
Phone: 267.338.1371
Mobile: 973.534.7151
Email: drew.kastner@offitkurman.com


UNDER FEDERAL LAW, IF YOU KNOWINGLY MISREPRESENT THAT ONLINE MATERIAL IS INFRINGING, YOU MAY BE SUBJECT TO CRIMINAL PROSECUTION FOR PERJURY AND CIVIL PENALTIES, INCLUDING MONETARY DAMAGES, COURT COSTS, AND ATTORNEYS' FEES.

Please note that this procedure is exclusively for notifying Radian and its affiliates that your copyrighted material has been infringed.  The preceding requirements are intended to comply with Radian's rights and obligations under the DMCA, including 17 U.S.C. §512(c), but do not constitute legal advice.  It may be advisable to contact an attorney regarding your rights and obligations under the DMCA and other applicable laws.

18. Trademarks
“Radian” is a trademark of Radian and may not be used in connection with any product or service that is not provided by or sponsored by Radian.

19. Forward-Looking Statements
Some of the statements in this website may contain forward-looking statements. These statements are based on our current expectations, estimates and projections. Words such as “will,” “expects,” “believes” and similar expressions are used to identify these forward-looking statements. These statements are only predictions and as such are not guarantees of future performance and involve risks, uncertainties and assumptions that are difficult to predict. Forward-looking statements are based upon assumptions as to future events or our future financial performance that may not prove to be accurate. Actual outcomes and results may differ materially from what is expressed or forecast in these forward-looking statements. In addition, these statements speak only as of the date they were made, and we undertake no obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. For more information regarding the risks and uncertainties that we face, you should review the risks described under Item 1A, “Risk Factors” under our most recent Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and subsequent reports filed with the Securities and Exchange Commission.

20. 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.

21. Termination
These Terms, and any User’s use of the Radian Site, may be terminated by Radian at any time and for any reason and without notice. All provisions of these Terms relating to warranties, confidentiality obligations of a User, proprietary rights, limitation of liability, indemnification obligations and shall survive the termination or expiration of this Agreement.

©2025 Radian Group Inc. All Rights Reserved. 550 East Swedesford Road, Suite 350, Wayne, PA 19087. Services advertised are provided by affiliates of homegenius Inc. Real estate services are provided by homegenius Real Estate LLC and homegenius Real Estate Inc. (collectively dba homegenius Real Estate), 7730 South Union Park Avenue, Suite 400, Midvale, UT 84047. Tel: 877.500.1415. homegenius Real Estate LLC and its wholly owned subsidiary are licensed in every state and the District of Columbia. Title insurance and title services offered through mytitlegenius.com are provided by Radian Title Insurance Inc., 6100 Oak Tree Blvd, Suite 200, Independence, OH 44131; Tel: 800.362.2305, NAIC#: 51632, CA- License# 5093-0. FL – Title insurance license #51632, AZ – Title Insurer 51632 (not licensed in AK, HI, ID, IA,  ME, NH, NJ, VT and WY) and Radian Settlement Services Inc., 1000 GSK Drive, Suite 210, Coraopolis, PA 15108, Tel: 800.646.8258,  FL- Non-Resident Title Agency #A271379, AZ- Non-Resident Title Agent #1800016008. Title Insurance policies are underwritten by Radian Title Insurance Inc. Additional licenses available here. This communication is provided for use by real estate or mortgage professionals only and is not intended for distribution to consumers or other third parties. This does not constitute an advertisement as defined by Section 1026.2(a)(2) of Regulation Z.