TERMS OF USE

AGREEMENT BETWEEN YOU (referred to as the "User" or "You") AND STEWART INFORMATION SERVICES CORPORATION AND ITS AFFILIATES (referred to as "Stewart")

This web site and any web sites, web pages, and services also operated by Stewart that are linked ("Stewart Sites") is offered to User on the condition that User accepts and agrees to abide by, without modification, all of the terms, conditions, and notices contained herein (collectively "Terms of Use") and any other terms and guidelines, if any, contained within each Stewart Site. If You do not or can not agree with any part of the Terms of Use, You may not use or access the Stewart Site. User's use of any Stewart Site constitutes User's acceptance of, and agreement to, all such terms, conditions, and notices. In the event that any of the terms, conditions, and notices contained herein conflict with the Terms of Use or such other terms and guidelines contained within any particular Stewart Site, then the terms of use and other terms and guidelines for such other Stewart Site shall control. User agrees to review all other terms and guidelines found throughout the Stewart Sites and abide by them if User chooses to use the sites, pages, or services to which they apply.

OWNERSHIP AND USE LIMITATIONS
All information, data, text, software, music, sound, photographs, graphics, video, messages, or other material ("Content") presented to You on the Stewart Sites is owned by Stewart and various third parties. Nothing contained on the Stewart Sites grants User, by implication, estoppel, or otherwise, any license or right to use any of the Content without the written permission of Stewart or such other party that may own the Content. Any use of any of the marks appearing throughout the Stewart Sites without the express written consent of Stewart or the owner of the mark, as appropriate, is strictly prohibited.

User's sole rights of use to the Content are the right to view and print documents and graphics incorporated in the documents from any Stewart Site subject to the following: (1) the documents may be used solely for personal and informational purposes and (2) the documents may not be modified or altered in any way. Except as expressly provided herein, User may not use, download, upload, copy, print, display, perform, reproduce, publish, license, post, transmit, or distribute any software, product, services, or information from any Stewart Site, in whole or in part, without the prior written permission of Stewart or the applicable third party. Stewart reserves the right to make changes or updates to the Stewart Sites or the products or programs described on the Stewart Sites at any time without notice.

Stewart may not have the right to authorize User to download, publish, or republish any photographs, images, or audio files (the "Graphical Content") accessed through any Stewart Site. Stewart provides User with the URL or address of the owner or server of all Graphical Content. If User intends to make use of any Graphical Content accessed through any Stewart Site for commercial or noncommercial purposes (other than as part of viewing the Stewart Sites or in a printed form of the Stewart Site) User must contact the server of the Graphical Content for permission to use it.

LINKS TO THIRD PARTY SITES
Stewart has provided links and pointers to Internet sites maintained by third parties. Because Stewart has no control over such sites and resources, User acknowledges and agrees that Stewart is not responsible for the availability of such external sites or resources, does not endorse, and is not responsible or liable for any Content, privacy policies, advertising, products, or other materials on or available from such sites or resources. User further acknowledges and agrees that Stewart will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods, or services available on or through any such site or resource.

Stewart believes, but does not warrant or represent, that people who make information available on the Web do so with the expectation that such information will be publicly and widely available. Stewart also believes, but does not warrant or represent, that making links to publicly accessible Web pages available at this site is legally permissible and consistent with the common, customary expectations of those who make use of the Web communications media.

NO SECURITY REPRESENTATIONS OR WARRANTIES ARE MADE
Stewart cannot, and does not, make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) User might be requested to give any third party or that the site is free from viruses or other invasive and potentially damaging programs.

LIABILITY DISCLAIMER
The information, software, products, and services included on any Stewart Site or any third party site may include inaccuracies or typographical errors. Changes are periodically made to the information contained at any Stewart Site. Stewart and/or its respective suppliers may make modifications and/or changes in any Stewart Site at any time. Advice received via any Stewart Site should not be relied upon for personal, medical, legal, or financial decisions and User should consult an appropriate professional for specific advice tailored to User's situation.

STEWART AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, TIMELINESS, OR ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, OR RELATED GRAPHICS CONTAINED ON ANY STEWART SITE OR ANY THIRD PARTY SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. STEWART AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF SECURITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

STEWART MAKES NO WARRANTY THAT (1) ANY STEWART SITE WILL MEET USER'S REQUIREMENTS, (2) THE INFORMATION ON ANY STEWART SITE WILL BE TIMELY OR ERROR-FREE, (3) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY USER THROUGH ANY STEWART SITE WILL MEET YOUR EXPECTATIONS, AND (4) ANY ERRORS IN ANY STEWART SITE WILL BE CORRECTED.

IN NO EVENT SHALL STEWART AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH (I) THE USE OR PERFORMANCE OF ANY STEWART SITE OR THIRD PARTY SITE; (II) THE DELAY OR INABILITY TO USE ANY STEWART SITE OR THIRD PARTY SITE; (III) THE PROVISION OF OR FAILURE TO PROVIDE ANY SERVICE; (IV) THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, OR RELATED GRAPHICS OBTAINED THROUGH ANY STEWART SITE OR THIRD PARTY SITE, OR (IV) ANY STEWART SITE OR THIRD PARTY SITE OR OTHERWISE ARISING OUT OF THE USE OF ANY STEWART SITE OR THIRD PARTY SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF STEWART OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO USER. IF USER IS DISSATISFIED WITH ANY PORTION OF ANY STEWART SITE OR THIRD PARTY SITE, OR WITH ANY OF THESE TERMS OF USE, USER'S SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING SUCH STEWART SITE OR THIRD PARTY SITE.

ACCESS RESTRICTION
Stewart reserves the right to deny in its sole discretion any user access to any Stewart Site or any portion thereof without notice.

NO UNLAWFUL OR PROHIBITED USE
As a condition of User's access and use of the Stewart Sites, User will not use any Stewart Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. User may not use the Stewart Sites or any services offered through such in any manner that could damage, disable, overburden, or impair any Stewart server, or the network(s) connected to any Stewart server, or interfere with any other party's use and enjoyment of any of the Stewart Sites or services thereunder. User may not attempt to gain unauthorized access to any non-public portion of the Stewart Sites for which it is not granted access, through hacking, password mining or any other means. User may not obtain or attempt to obtain access to any materials or information not intentionally made available to the public through the Stewart Sites except as authorized by Stewart.

FEEDBACK
Stewart does not want to receive confidential or proprietary information from User through the Stewart Sites unless specifically requested by Stewart and on a secure web page. Except where expressly provided otherwise by Stewart, all comments, feedback, information, or materials submitted to Stewart through or in association with any Stewart Site shall be considered non-confidential and Stewart's property. By submitting such comments, feedback, information, or materials to Stewart, User agrees to a no-charge assignment to Stewart of all worldwide rights, title, and interest in copyrights and other intellectual property rights to the comments, feedback, information. or materials. Stewart shall be free to use such comments, feedback, information, or materials on an unrestricted basis.

Stewart reserves the right to communicate with registered users at various times through e-mail. Upon registering a new account with Stewart, the new account may be automatically signed up to receive various e-mails and other correspondence. Users may, in some instances, indicate preferences for receipt of some of these e-mails.

User represents and warrants that he or she is at least 18 years of age and possesses the legal right and ability to agree to these Terms of Use and to use the Stewart Sites in accordance with these Terms of Use and all other terms and conditions stated in the Stewart Sites. User agrees to be financially responsible for all use of any Stewart Site or third party site (as well as for use of User's account by others, including without limitation minors living with User). User agrees not to assign, transfer, or sublicense User's rights pursuant to these Terms of Use. User may allow other members of User's business or household to use any Stewart Site or third party site under User's name or account, provided that User hereby agrees to pay all charges that they incur and to be responsible for all other aspects of their usage. User agrees to supervise all usage by minors of any Stewart Site under User's name or account.

USE OF INFORMATION
The name, address, and payment information (if applicable) that the User provides via any Stewart Site, together with information regarding the manner in which the User uses any Stewart Site, will not be processed or disclosed by Stewart except as permitted by these Terms of Use and Stewart's Privacy Policy. By being a user of any Stewart Site, User agrees that Stewart may share with other parties both aggregate information, individual information, and Locator information gathered by Stewart in the course of the User's continuing use of any Stewart Site. "Aggregate information" is information that describes the habits, usage patterns, and/or demographics of users as a group, or as a part of a group, but does not describe or reveal the identity of any user. "Individual information" is information about a user that is presented in a form distinguishable from information relating to other. "Locator information" consists of a user's name, e-mail address, physical address, and/or other data about the user that enables the recipient to personally identify the user.

INDEMNITY
As a condition of use of any Stewart Site, User agrees to indemnify, protect, defend, and hold Stewart and its suppliers harmless from and against any and all liabilities, expenses (including attorneys' fees), and damages arising out of claims resulting from: (a) User's use of any Stewart Site or (b) User's customers or others accessing or using any Stewart Site by, through, or under User, including without limitation any claims alleging facts that if true would constitute a breach by User of these Terms of Use.

MODIFICATION OF THESE TERMS OF USE
Stewart reserves the right to change these Terms of Use at any time by revising the terms and conditions herein. All changes to these Terms of Use and the Stewart Sites shall be effective immediately. User is responsible for regularly reviewing these Terms of Use. Continued use of any Stewart Site following any such changes shall constitute the User's acceptance of such changes.

USE OF ONLINE WEB COMMUNITIES
If any Stewart Site contains bulletin board services, chat areas, news groups, forums, communities, and/or other message or communication facilities (collectively, "Communities"), User agrees to use the Communities only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, User agrees that when using a Community, User shall not:

Stewart reserves the right to terminate User's access to any or all of the Communities, at any time, without notice for any reason whatsoever.

Stewart has no obligation to monitor the Communities. However, Stewart reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post, or to remove any information or materials, in whole or in part, in Stewart's sole discretion.

User acknowledges that all Communities are public and not private communications; therefore, User's communications may be read by others without User's knowledge. Always use caution when giving out any personally identifying information about User or User's children in any Community. Stewart does not control or endorse the content, messages or information found in any Community and, therefore, Stewart specifically disclaims any liability with regard to the Communities and any actions resulting from User's participation in any Community. Forum managers and hosts are not authorized Stewart spokespersons, and their views do not necessarily reflect those of Stewart.

By posting messages, uploading files, inputting data, or engaging in any other form of communication through any Stewart Site, User is granting Stewart permission to:

  1. Use, modify, copy, distribute, transmit, publicly display, publicly perform, reproduce, publish, sublicense, create derivative works from, transfer, or sell any such communication; and

  2. Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication.

The foregoing grants shall include the right to exploit any proprietary rights in such communication, including but not limited to rights under copyright, trademark, service mark, or patent laws under any relevant jurisdiction.

User agrees to (as available) send and receive electronic mail, engage in conferences and chats, download and upload files, and otherwise use any Stewart Site only as permitted by these Terms of Use, any additional policies or procedures published in any Stewart Site from time to time by Stewart, and in accordance with applicable law.

Stewart reserves the right for any reason to remove without notice any contents of any Stewart Site received from User, including without limitation bulletin board postings. Stewart reserves the right to deny, in its sole discretion, User access to any Stewart Site or any portion thereof without notice. Stewart reserves the right to edit any notices or postings for clarity and length.

User acknowledges that chats, conferences, bulletin boards, and any other such communications forums hosted by any Stewart Site are public and not private communications. Further, User acknowledges that chats, postings, conferences, and other communications by other users are not endorsed by Stewart, and such communications shall not be considered reviewed, screened, or approved by Stewart.

SUBSCRIPTION BASED CONTENT
Some contents and/or services on a Stewart Site may be offered to User conditioned on User's payment of subscription fees. If User elects to purchase subscription based content/services and transmits to Stewart a subscription purchase request, User warrants that all information that User submits is true and accurate (including without limitation User's credit card number and expiration date), and User agrees to pay all subscription fees User incurs. Like all Web publications, those accessed through any Stewart Site may be temporarily unavailable from time to time due to required maintenance, failures, telecommunications interruptions, or other disruptions. Although Stewart makes reasonable efforts to minimize such downtime, Stewart does not guarantee 100% availability of any site whatsoever. If User wishes to cancel User's subscription for any reason, User may do so through the Subscription Services feature of the appropriate web site, but there shall be no refunds of subscription fees previously paid.

User's subscription is personal to User and the members of User's household, and User may not transfer or make available User's account name and password to others, including without limitation User's co-workers. Any distribution by User of User's account name and password may result in cancellation of User's subscription without refund and additional charges based on unauthorized use.

SOFTWARE AVAILABLE ON THIS WEB SITE

Software (if any) that is made available to download from any Stewart Site ("Software") is the copyrighted work of Stewart Title Guaranty Company, its affiliates, and/or its suppliers. User's use of the Software is governed by the terms of an end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). User may not install or use any Software that is accompanied by or includes a License Agreement unless User first agrees to the License Agreement terms. For any Software not accompanied by a license agreement, Stewart hereby grants to User, a personal, non-transferable license to use the Software for viewing and otherwise using any Stewart Site in accordance with these Terms of Use, and for no other purpose provided that User keeps intact all copyright and other proprietary notices. Please note that all Software, including without limitation all HTML code and ActiveX controls contained in any Stewart Site, is owned by Stewart, its affiliates, and/or its suppliers and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software, without the express consent of the copyright owner, is expressly prohibited by law, and may result in severe civil and criminal penalties.

Violators may be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. User acknowledges that the Software, and any accompanying documentation and/or technical information, are subject to applicable export control laws and regulations of the USA. User agrees not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA export restrictions.

RESTRICTED RIGHTS LEGEND.
Any Software, which is downloaded from any Stewart Site for or on behalf of the United States of America, its agencies, and/or instrumentalities ("U.S. Government"), is provided with Restricted Rights. Use, duplication, or disclosure by the U.S. Government is subject to restrictions as set forth in subparagraph (c)(1)(ii) of the Rights in Technical Data and Computer Software clause at DFARS 252.227-7013 or subparagraphs (c)(1) and (2) of the Commercial Computer Software - Restricted Rights at 48 CFR 52.227-19, as applicable. Manufacturer is Stewart Title Guaranty Company, 1980 Post Oak Blvd., Suite 800, Houston, Texas 77056.

GENERAL
Stewart reserves the right to make any and all changes or discontinue the availability of any Stewart Site at its sole discretion without notice to User. Stewart reserves the right to deny access to any Stewart Site to anyone at anytime. User agrees that Stewart will not be liable to You or to any third party for any modification, suspension, or discontinuance of any Stewart Site unless specifically stated in a written agreement with Stewart.

User's access to and use of the Stewart Sites is governed by the laws of the State of Texas, U.S.A. User consents to the exclusive jurisdiction and venue of courts in Harris County, Texas, U.S.A., in all disputes arising out of or relating to the use of the Stewart Sites. Use of the Stewart Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms of Use, including without limitation this paragraph.

User acknowledges that no joint venture, partnership, employment, or agency relationship exists between the User and Stewart as a result of this Terms of Use or use of any Stewart Site. User agrees not to hold himself or herself out as a representative, agent, or employee of Stewart and Stewart shall not be liable for any representation, act, or omission of the User.

Stewart's obligations under these Terms of Use is subject to existing laws and legal process and nothing contained in these Terms of Use is in derogation of Stewart's right to comply with law enforcement requests or requirements relating to the User's use of any Stewart Site or any information provided to or gathered by Stewart with respect to such use.

If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use shall continue in effect.

These Terms of Use constitute the entire agreement between the User and Stewart with respect to the Stewart Sites and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the User and Stewart with respect to the Stewart Sites, unless specifically subject to a written agreement between Stewart and User. A printed version of these Terms of Use and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to the Stewart Sites to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

SERVICE CONTACT
Contact webmaster@stewart.com with questions or problems with any Stewart Site. Please provide the webmaster with information, including the "URL" about the specific Stewart Sites of which you are inquiring.

FOR INFORMATION REGARDING THE STEWART PRIVACY STATEMENT, CLICK HERE

Stewart, Stewart Title, and other names of Stewart products and/or services referenced herein are service marks, trademarks or registered trademarks of Stewart Title Guaranty Company or its affiliated entities. Other product and company names mentioned herein may be the trademarks of their respective owners. User's use of any Stewart Site in no way authorizes User to use any Stewart name, trademark or logo.

All contents of any Stewart Site are: Copyright © 1999-2006 Stewart Title Guaranty Company and/or its suppliers, 1980 Post Oak Blvd., Suite 800, Houston, Texas 77056 U.S.A. All rights reserved.