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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:

 * Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights
   (such as rights of privacy and publicity) of others.
   
   
 * Publish, post, upload, distribute, or disseminate any inappropriate, profane,
   defamatory, infringing, obscene, indecent, or unlawful topic, name, material
   or information.
   
   
 * Upload files that contain software or other material protected by
   intellectual property laws (or by rights of privacy of publicity) unless User
   owns or controls the rights thereto or has received all necessary consents.
   
   
 * Upload files that contain viruses, corrupted files, or any other similar
   software or programs that may damage the operation of another's computer. 
   
   
 * Advertise or offer to sell any goods or services for any commercial purpose.
   
   
 * Conduct or forward surveys, contests, pyramid schemes, or chain letters.
   
   
 * Download any file posted by another user of a Forum that User knows, or
   reasonably should know, cannot be legally distributed in such manner.
   
   
 * Falsify or delete any author attributions, legal, or other proper notices or
   proprietary designations or labels of the origin or source of software or
   other material contained in a file that is uploaded.
   
   
 * Restrict or inhibit any other user from using and enjoying the Communities.

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, 1360 Post Oak Blvd., Suite 100,
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, 1360 Post Oak Blvd., Suite 100, Houston,
Texas 77056 U.S.A. All rights reserved.