Terms and Conditions

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information and materials posted on the Radian Site may contain errors, omissions, or typographical errors or may be out of date.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.

  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, 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. 

  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 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 may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through 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.

 

BINDING ARBITRATION:  YOU AGREE THAT ANY DISPUTE, CLAIM OR CONTROVERSY ARISING NOW OR IN THE FUTURE RELATING IN ANY WAY TO THIS AGREEMENT OR RADIAN SERVICE ("CLAIM"), REGARDLESS OF THE NATURE OF THE CAUSE(S) OF ACTION ASSERTED (INCLUDING CLAIMS FOR INJUNCTIVE, DECLARATORY, OR EQUITABLE RELIEF), ARE TO BE RESOLVED BY BINDING ARBITRATION.  CLAIMS SUBJECT TO ARBITRATION INCLUDE CLAIMS THAT ARE MADE AS COUNTERCLAIMS, CROSS CLAIMS, THIRD PARTY CLAIMS, INTERPLEADERS, OR OTHERWISE. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, AND YOU THEREFORE AGREE TO WAIVE ANY RIGHT THAT YOU MAY OTHERWISE HAVE HAD TO A JURY TRIAL OR THE OPPORTUNITY TO LITIGATE ANY CLAIMS IN COURT BEFORE EITHER A JUDGE OR JURY. THE ARBITRATION SHALL BE CONDUCTED ON A CONFIDENTIAL BASIS PURSUANT TO THE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION (“AAA”). 

 

This binding arbitration provision applies to any and all Claims that you have against Radian, its subsidiaries, affiliates, licensees, predecessors, successors, assigns, and against all of its respective employees, agents, or assigns; it also includes any and all Claims regarding the applicability of this arbitration clause or the validity of the Agreement, in whole or in part. It is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. sections 1-16, as it may be amended.

 

The party filing a Claim(s) in arbitration must file its Claim(s) before the AAA under the AAA rules of arbitration in effect at the time the Claim(s) was filed. Rules and forms may be obtained from, and Claims made may be filed with the American Arbitration Association. Arbitration hearings shall be held at a place within the federal judicial district that includes your address at the time the Claim(s) is filed, or at some other place to which you and we agree in writing. Judgment upon any arbitration award may be entered in any court having jurisdiction.

 

This Arbitration Agreement shall survive: (i) termination or changes in the Agreement, and the relationship between you and us concerning the Agreement; and (ii) the bankruptcy of any party or any similar proceeding initiated by you or on your behalf. If any portion of this Arbitration provision is deemed invalid or unenforceable, the remaining portions shall nevertheless remain in force.

 

CLASS ACTION WAIVER: WHERE PERMITTED UNDER APPLICABLE LAW, YOU AGREE THAT YOU MAY ONLY BRING A CLAIM(S) AGAINST RADIAN IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. UNLESS RADIAN AGREES, NO ARBITRATOR OR JUDGE MAY CONSOLIDATE YOUR CLAIM(S) WITH ANOTHER PERSON’S CLAIMS OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.  IF THE PRECEDING SENTENCE IS NOT ENFORCED FOR ANY REASON, THEN YOU AGREE THAT IN SUCH CASE ANY CLASS DISPUTE WILL NOT BE RESOLVED THROUGH ARBITRATION. 

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 or disclosed to others 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.

17. Copyright Information
We reserve the right to remove any User materials on the Radian Site which allegedly infringes another person’s copyright. 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. 

18. Trademarks
Radian’s registered trademarks include, but are not limited to, the marks set forth below  and may not be used in connection with any product or service that is not provided by or sponsored by Radian.  Any other trademark that appears on this site is the property of its respective owner that may not be affiliated with or sponsored by Radian.

  • 360 PRICING
  • ACHIEVE THE DREAM
  • BENEVIDA
  • CLAS
  • CLAYTON
  • CONFIDENT COVERAGE
  • DESIGN (Green River Capital Logo)
  • Easy-Close (Stylized)
  • ENSURING THE AMERICAN DREAM
  • ENTITLE INSURANCE
  • GENIUSDIVIDENDS
  • GeniusPrice
  • GLASS (Stylized)
  • GLASS GLOBAL LOAN ASSET SURVEILLANCE SYSTEM
  • GLASS GLOBAL LOAN ASSET SURVEILLANCE SYSTEM & Design
  • GREEN RIVER CAPITAL
  • GREEN RIVER CAPITAL
  • GREEN RIVER CAPITAL & Design
  • HG & Design
  • HOMEGENIUS
  • HOMEGENIUS
  • HOMEGENIUS
  • HOMEGENIUS
  • HOMEGENIUS
  • HOMEGENIUS
  • HOMEGENIUSRE
  • LOGO MARK (ValuAmerica Waves in Circle)
  • MARKET DRIVER
  • MARKET DRIVER & Design
  • MI ONLINE & Design (#3)
  • MORTGAGE RISK BAROMETER
  • MORTGAGEASSURE
  • ONE UNDERWRITE
  • PRECISION PRICING
  • PRISM PRICING
  • PYRAMID PLATFORM
  • PYRAMID PLATFORM
  • RADAR
  • RADAR & Design
  • RADIAN
  • RADIAN
  • RADIAN
  • RADIAN
  • RADIAN & Design (2018 logo)
  • RADIAN & Design (2018 logo)
  • RADIAN & Design (2018 logo)
  • RADIAN (Series)
  • RADIAN (Series)
  • RADIAN (Series)
  • RADIAN (Stylized)
  • RADIAN (Stylized)
  • RADIAN (Stylized)
  • RADIAN DECISION
  • RADIAN DECISION
  • RADIAN GROUP
  • RADIAN GUARANTY
  • RADIAN MORTGAGE INSURANCE & Logo Design
  • RADIAN MORTGAGE INSURANCE & Logo Design
  • RADIAN MORTGAGE SERVICES & Logo Design
  • RADIAN REAL ESTATE SERVICES & Logo Design
  • RADIAN RISK SERVICES & Logo Design
  • RADIAN SECURE SENDER
  • RADIAN SETTLEMENT CONSULTING SERVICES
  • RADIAN SETTLEMENT SERVICES
  • RADIAN TECHNOLOGY SERVICES
  • RADIAN TITLE AGENCY OF TEXAS
  • RADIAN TITLE INSURANCE
  • RADIAN TITLE SERVICES & Logo Design
  • RADIAN VALUATION SERVICES
  • RateSense
  • RateWise
  • READY, SET, OWN!
  • READY, SET, OWN! & Design
  • RED BELL
  • RED BELL
  • RED BELL
  • RED BELL
  • RED BELL REAL ESTATE
  • RED BELL REAL ESTATE (Stylized Logo)
  • SPLITEDGE
  • TIMELY REWARDS
  • VALUAMERICA
  • VALUAMERICA & Design
  • VALUENET XSP
  • VALUESCROW, INC.
  • VALUESCROW, INC. & Design
  • VALUNET XSP & Design
  • VIBE & Design

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.