Terms and Conditions of Use of the MGIC Websites

Important Notice Regarding Use of this Site: This website and all other MGIC websites (collectively, the "Site") are provided for use by Mortgage Guaranty Insurance Corporation, its affiliates and parent corporation (collectively, "MGIC") subject to the following terms and conditions ("Terms"). Your use of this Site constitutes your agreement to the Terms. The terms "you" and "your" mean the individual user of the Site and any entity on whose behalf such user accesses the Site.

Any attempted unauthorized use of or access to this Site is strictly prohibited and may result in criminal and/or civil prosecution. MGIC reserves the right to monitor and record access to and use of this Site without notice or permission (see our Privacy Policy). Any information obtained through monitoring is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the Site.

Modifications

MGIC reserves the right to change these Terms at any time by posting the changes at the Site and your continued use of this Site will constitute your acceptance of the Terms, as modified. MGIC also reserves the right at any time and from time to time to modify, limit or discontinue, temporarily or permanently, with or without notice, use of the Site and any function or page of the Site, including, without limitation, content, hours of availability, products and services offered, terms of use and access requirements. You agree that MGIC shall not be liable to you for the modification, suspension or discontinuance of any service or function of the Site.

Secured Pages

Some of the functions available through the Site are provided on a private basis only to customers, vendors or other entities that have registered with MGIC including, without limitation, mortgage guaranty insurance services. If there is a conflict between the Terms and the provisions of the agreement, if any, in effect between MGIC and you or another entity applicable to your use of the Site (a "User Agreement"), the provisions of the User Agreement will control. MGIC may post rules ("Rules") on the Site which are applicable to specific services offered through secured pages. All Rules posted on the Site by MGIC are incorporated by reference into these Terms.

User Logon Responsibilities

Access to secured pages is controlled through unique User Name IDs and Passwords assigned to individual users. You may not share your User Name ID or Password with any other individual or permit any other user to access the Site using your User Name ID or Password. You are responsible for maintaining the confidentiality of the User Name ID and any Passwords assigned to you by MGIC, and are fully responsible for all activities that occur under your User Name ID and Password. You agree to notify MGIC immediately of any unauthorized use of your User Name ID or Password or if you learn of any other breach of security pertaining to use of this Site. If MGIC reasonably believes that you have provided any registration information that is false, misleading, inaccurate or incomplete, or if you do not comply with your user logon responsibilities, MGIC may terminate or suspend your access to and use of the Site. You agree that any termination or suspension of your access to this Site may be effected without prior notice and without liability to you.

For your protection, MGIC monitors and adheres to recognized industry information security practices to safeguard the information you exchange with MGIC over secured pages.

Additional User Restrictions and Responsibilities

You agree not to do any of the following in connection with your use of the Site:

  • download or print any information from this Site for any purpose other than for your personal use or for conducting business with MGIC via the Site;
  • upload, post, email, transmit or otherwise make available on or through the Site any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise offensive;
  • upload, post, email, transmit or otherwise make available on or through the Site any content that infringes any patent, trademark, trade secret, copyright or other property rights of any person or entity;
  • upload, post, email, transmit or otherwise make available on or through the Site any material that contains any computer virus or other computer code, files or programs designed to interrupt, destroy, limit or interfere with the functionality of any computer software, hardware or telecommunications service or equipment, including any denial of service attack mechanisms;
  • remove, alter, obscure or destroy any copyright, patent or other property rights notice or marking displayed on the Site;
  • reverse engineer, disassemble, decompile or otherwise attempt to discover the source code to any software, systems, designs, processes or proprietary information of MGIC;
  • copy (other than in the ordinary course of business use of the Site) any Site screen displays, video, audio, animation, graphics, photographs or text, or remarket, resell, or redistribute the Site, in whole or part, or include any portion of the Site by the practice commonly known as "framing" in any other internet or world wide website, without in each case obtaining the prior written consent of MGIC.

You agree to indemnify and hold MGIC and its affiliates harmless from any claim or demand, including reasonable attorneys' fees and costs associated therewith, made by any third party due to or arising out of any content you submit, post, transmit or make available through the Site, your use of the Site, your violation of any of these Terms or your violation of the rights of a third party.

Trademarks and Copyrights

The Site includes service marks and trademarks of Mortgage Guaranty Insurance Corporation and its affiliates, including "MGIC." The Site may also contain trademarks and service marks of third parties used by MGIC with permission. No right or license to use any patent, copyright, trademark, service mark, trade secret or other intellectual property contained in this Site, or in any software, systems, designs or processes related to this Site, is granted to or otherwise conferred upon you pursuant to these Terms, and all such rights are reserved to and shall remain the exclusive property of MGIC.

Links

The Site contains links to other internet sites and resources. Please be aware that MGIC has no control over third-party sites or resources and is not responsible for the availability of any third-party sites or for any content, products or services obtained from such third-party sites. For information about any linked site, you should read the terms of use posted at that site.

Jurisdiction and Restriction on Foreign Use

The Site is administered by MGIC from its offices in Milwaukee, Wisconsin, USA. MGIC makes no representation or warranty that content or services of the Site are appropriate or available for use outside of the United States or Puerto Rico. You may not use or export the materials at the Site in violation of applicable laws and regulations, including, without limitation, United States export laws and regulations. If you choose to access the Site from outside the United States, you are responsible for compliance with local law. These Terms will be governed by and construed in accordance with the laws of the State of Wisconsin, without reference to such State's conflicts of law principles.

Limitations of Liability and Damages

THIS SITE AND THE INFORMATION PRESENTED AT THE SITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. THIS SITE AND THE INFORMATION DISPLAYED AT AND OBTAINED THROUGH USE OF THE SITE ARE PROVIDED "AS IS," WITHOUT ANY WARRANTIES OF ANY KIND. MGIC HEREBY DISCLAIMS ANY AND ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO (i) ANY WARRANTIES AS TO THE AVAILABILITY, CONTENT, ACCURACY, QUALITY, RELIABILITY OR COMPLETENESS OF THE SITE, ANY DATA, INFORMATION, SERVICE OR PRODUCT PROVIDED, OBTAINED OR GENERATED BY OR THROUGH THE SITE, AND (ii) ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, MGIC DOES NOT WARRANT OR REPRESENT THAT THE SITE WILL PERFORM WITHOUT INTERRUPTION OR ERROR, OR THAT ALL IRREGULARITIES, ERRORS, PROBLEMS OR DEFECTS WILL BE DETECTED OR CORRECTED, OR THAT THE SITE WILL MEET YOUR REQUIREMENTS.

UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY, WHETHER TORT, CONTRACT, STRICT LIABILITY, WARRANTY OR OTHERWISE, WILL MGIC BE LIABLE TO YOU OR OTHERS FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR ANY LOSS OF REVENUE OR PROFITS, LOSS OF GOODWILL, LOSS OF SAVINGS, LOSS OF USE, INTERRUPTIONS OF BUSINESS OR CLAIMS OF OTHERS ALLEGED AS A RESULT OF YOUR USE OF, OR INABILITY TO USE, THIS SITE, EVEN IF MGIC OR ITS REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS OF LIABILITY SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE. IN NO EVENT SHALL THE TOTAL LIABILITY OF MGIC TO YOU FOR ALL DAMAGES, LOSSES AND CLAIMS EXCEED THE AMOUNT PAID BY YOU TO MGIC, IF ANY, FOR ACCESSING THIS SITE.

THE TERM "YOU" INCLUDES YOUR REPRESENTATIVES, EMPLOYEES, SUCCESSORS, ASSIGNS, AND ALL PERSONS CLAIMING BY OR THROUGH YOU. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE FOREGOING LIMITATIONS MAY NOT APPLY TO YOU.

Insurance Policies Not Affected

Notwithstanding any contrary provision contained in these Terms, these Terms and the limitations identified herein shall not apply to or in any way modify or impair the rights of MGIC or its affiliates arising under any insurance policy issued or assumed by MGIC or its affiliates.

Notices

Notices to Users of secured pages within the Site may be made via email or regular mail. MGIC also may provide notices of changes to these Terms, Rules applicable to particular services offered through secured pages within the Site, or other matters by displaying notices or links to notices on the Site. Notices to MGIC should be given by regular or certified mail addressed to Mortgage Guaranty Insurance Corporation, 250 East Kilbourn Avenue, Milwaukee, Wisconsin 53202, Attention: General Counsel.

Ownership of Information

Except as set forth in another agreement in effect between MGIC and you or as otherwise specified in these Terms or required under applicable law, any information, suggestions, questions, comments or other communications or material you transmit to the Site will become the property of MGIC and will not be treated as confidential by MGIC. MGIC may use all such information, communications and materials without obligation to you. However, MGIC will not release your name or otherwise publicly identify you as the source of any information unless MGIC has received your permission or is required to do so by law.

General Provisions

Neither these Terms nor your use of this Site will create any agency, partnership, joint venture or other relationship between MGIC and you. Except for any User Agreement, these Terms constitute the entire agreement between MGIC and you pertaining to your use of this Site, and supersede any and all prior agreements, offers, proposals, representations and understandings between MGIC and you relating to this Site. Failure by MGIC to exercise or enforce any right or provision shall not constitute a waiver of such right or provision. If any of these Terms is determined by a court of competent jurisdiction to be invalid or unenforceable to any extent, it is agreed that the court should attempt to give effect to the intentions expressed by these Terms and the remaining Terms shall not be affected by such determination and shall be enforced to the fullest extent permitted by law. You agree that notwithstanding any law to the contrary, any claim relating to these Terms or this Site must be commenced within one year of the circumstance or event giving rise to such claim or forever be barred. These Terms shall survive the termination of your use of this Site, regardless of the reason for termination.

Privacy Policy

Please see Privacy Statement for information concerning MGIC's privacy policy.

MGIC Social Media Terms of Use

Mortgage Guaranty Insurance Corporation ("MGIC") uses a variety of third-party social networking websites, communication services, and media channels including, but not limited to, Facebook, Twitter, LinkedIn, and YouTube ("Social Media") in order to communicate and interact with our customers. These Social Media Terms of Use ("Terms of Use") apply to any user accessing or submitting comments, photographs, videos, posts, or any other type of media or feedback ("User Content") on our Social Media.

By accessing, using or submitting User Content on our Social Media, you are agreeing to comply with these Terms of Use. MGIC reserves the right to modify the contents of any Social Media at any time, including these Terms and Conditions.

Any User Content you choose to submit is done so voluntarily. By submitting User Content, you represent and warrant that you have the right and authority to submit the User Content and that it does not infringe upon the intellectual property rights of any third party. Your submission of User Content grants MGIC and its affiliates an unrestricted, nonexclusive, royalty-free, perpetual, irrevocable and fully sub licensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such material throughout the world in any media and releases all rights you may have in any User Content that you submit.

MGIC reserves the right, but does not assume the responsibility, to remove objectionable User Content that we believe violates our commenting guidelines or these Terms of Use, or that is unlawful, abusive, offensive, or inappropriate.

Any forms of recognition, rating, referral, etc. of any third party or entity, do not constitute MGIC's endorsement, approval, or acceptance of any person or entity and should not be relied upon as such.

MGIC's Social Media may include links to other websites, some of which are operated by third parties. These links are provided as a convenience to you, and MGIC has not necessarily reviewed all of the information on those other sites and is not responsible for the content of those or any other sites or products or services that may be offered through those or any other sites. Inclusion of links to other sites should not be viewed as an endorsement of the content of linked sites. Different terms and conditions may apply to your use of any linked sites.

MGIC makes no representations or warranties regarding the accuracy, completeness, usefulness, suitability for any purpose, or reliability of any User Content or any other content contained on any of our Social Media channels. MGIC expressly disclaims all warranties, express or implied, including without limitation warranties of merchantability and fitness for a particular purpose regarding MGIC's Social Media content.

Neither MGIC, nor its parent, subsidiaries, or affiliates are liable for any direct, indirect, special, incidental or consequential damages that may arise from your use of MGIC's Social Media.

You agree to indemnify and hold harmless MGIC, its affiliates, and respective officers, directors, employees, and agents from and against any and all claims, suits, demands, costs and expenses (including reasonable attorney's fees), arising out of or related to your access to or use of MGIC's Social Media, your User Content, or any violation of these Terms of Use.

Risk Factors/Disclaimers

In addition to the above information, Investors should read the following additional Terms carefully.

No Offer of Securities

This Site contains information relating to certain securities of MGIC Investment Corporation (the "Company"). All such information is provided for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any of the Company's securities. Any offer of the Company's securities will be made only in accordance with the terms of the applicable offering documents which are not contained in this Site. Investors considering purchasing the Company's securities should consult with their own financial and legal advisors for information about the securities, the risks and investment considerations arising from an investment in the Company's securities, the appropriate tools to analyze the investment, and the suitability of the investment in each investor's particular circumstance.

Third Party Information

This Site includes information about the Company's securities which is provided by third parties and links to public information about the Company that are provided by third parties. While such information is presented in good faith and believed to be correct, the Company does not warrant the accuracy or completeness of such information or the reliability of any advice, opinion, statement or other information displayed or distributed through this Site. UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY RELIANCE ON SUCH INFORMATION OR FOR THE RISKS OF THE STOCK MARKET.

Historical Performance

This Site includes information about the Company's historical financial performance. Past performance, however, is no guarantee of future results.

Forward-Looking Statements

This Site may contain certain "forward-looking statements" concerning the Company's anticipated financial performance, business prospects, future business plans, financial condition or other matters. Forward-looking statements consist of statements that relate to matters other than historical fact, including matters that inherently refer to future events. Among others, statements that include words such as "believes," "anticipates," "will," or "expects," or words of similar import, are forward-looking statements. Forward-looking statements about the Company could be affected by certain risk factors. The risk factors are identified in our Securities and Exchange Commission reports, including in the Company's most recent Quarterly Report on Form 10-Q and most recent Annual Report on from 10-K. These reports may be accessed from this Site via the "Reports & Filings" links. The risk factors may also cause actual results to differ materially from the results contemplated by forward-looking statements that the Company may make.

The Company is not undertaking any obligation to update any forward-looking statements or other statements that appear in this Site even though these statements may be affected by events or circumstances occurring after the forward-looking statements or other statements were made. No reader should rely on the fact that such statements are current at any time other than at the time such statements were made.