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ACCOUNT


PRIVACY POLICY AND CCPA NOTICE





(Updated: June 30, 2023)

Radian Group Inc. and its subsidiaries, including but not limited to, Radian
Mortgage Capital, LLC, Radian Settlement Services Inc., Radian Title Insurance
Inc., Radian Guaranty Inc., Radian Lender Services LLC, Radian Real Estate
Management LLC, homegenius Inc. and homegenius Real Estate LLC (collectively
“Radian”) appreciates your privacy concerns. This Privacy Policy applies to
information Radian and/or its affiliates may collect through their websites
(collectively, “Radian Sites”), information which you voluntarily provide
directly to Radian via forms, surveys, applications, etc. when you visit Radian
Sites, and information provided to Radian by third parties. Radian may also
collect information about you from your online browsing and transactions,
including your preferences, pages visited, technical information regarding your
computer and operating systems, such as your Internet Protocol (IP) address,
domain name and system configuration and settings.

This Privacy Policy will help you understand:

 * What types of personal information we collect
 * How it is collected and protected
 * How it is used and shared

This Privacy Policy applies to all visitors of our Websites. 
 
By continuing to visit and use our Website, You are agreeing to the terms of
this Online Privacy Policy. If You do not agree, then please exit this Website
and close Your browser. “You”, when used throughout this Policy, means a Radian
employee or a natural person that is a visitor and/or user of our Websites.

What are Cookies?

Cookies are pieces of information stored directly on the computer you are using.
Radian, or any of Radian’s third-party advertising service providers, may place
cookies or similar files on your hard drive for security purposes, to facilitate
site navigation and to personalize your experience while visiting the Radian
sites. Cookies allow Radian to collect technical and navigational information,
such as browser type, time spent on its respective site and pages visited.
Cookies allow Radian to select which of its advertisements or offers are most
likely to appeal to you and display them while you are on Radian websites.
Radian may also use cookies in online advertising to track consumer responses to
Radian advertisements and may use cookies or other files to track your use of
other websites. Cookies and other technologies provide Radian the capability to
monitor the use of the Radian websites so Radian can continually improve the
design and functionality to better serve you. Cookies and similar files do not
contain or capture unencrypted personally identifiable data.

If you do not accept these cookies, you may experience some inconvenience in
your use of some online options. You also may not receive advertising or other
offers from Radian that are relevant to your interests and needs. Radian uses
web-browsing cookies to display information more effectively to you and to
gather data about the usage of the Radian websites.


Advertising

Radian advertises on pages within the Radian Sites as well as on other websites
not affiliated with Radian. Radian contracts with other companies to advertise
to you through the use of cookies and web beacons.

Information collected through cookies and web beacons includes the number of
people who look at each of the pages on the Radian Sites, search engine
referrals, browsing patterns within the Radian Sites, and responses to
advertisements and promotions on the Radian Sites. Information collected may
also include other trends and activity on the Radian Sites, basic information
about whether you have visited the sites before, your Internet connection and
computer settings, such as your browser, your IP address and your time zone.

From time to time, consumers will experience 'Pop Ups' from other companies
while visiting the Radian Sites. Pop Ups are generated by 'Adware' placed on
your computer when other sites have been visited. Radian does not participate in
the use of Adware.


Advertising on other websites

Radian contracts advertising with other companies to advertise Radian’s accounts
and services on websites not affiliated with Radian. If you click on one of
Radian’s ads, you link to the particular Radian website that offers the
advertised service. These ads may contain cookies that allow tracking of your
response to the Radian’s advertisements. These cookies do not identify you
personally. Radian prohibits any company that places Radian’s ads from using
this information for any purpose other than to assist Radian in measuring the
effectiveness of Radian’s ads.


Linking to other sites

Radian may provide links to other companies, such as credit bureaus or
merchants. If you choose to link to websites not controlled by Radian, Radian is
not responsible for the privacy or security of these sites, including the
accuracy, completeness, reliability or suitability of their information. If you
are asked to provide information on one of these websites, you are strongly
urged to carefully study their privacy policies before sharing your information.


Advertising to Minors

Radian does not knowingly market to or solicit information from children under
13 without parental consent. If you are under the age of 18 years old, you
should not be visiting or using this Site.


Who is Covered by the Privacy Policy:

This Privacy Policy applies to individuals whose personal information has been
provided to or collected by Radian. If changes are made to the Privacy Policy to
permit Radian to share additional information it has about you, as described
below, or to permit disclosures to additional types of parties, you will be
notified in advance in accordance with any applicable legal requirements.

Information We Collect 

Radian offers a range of products and services, including mortgage insurance and
a comprehensive suite of mortgage, risk, real estate, and title services. To
provide these services, we may collect and process both personal and
non-personal information about you. 

Personal information includes information which can reasonably be identified
with a person, and which is deemed personal or private under applicable law. 
Examples may include a person’s name, social security number, account name,
number or balance, transaction and/or payment history, credit history or credit
score, postal address, internet protocol address, personal email address,
personal telephone number, birthday, tax identification information, income and
other information provided by or collected about a consumer to obtain or provide
a financial product or service. 

Personal information generally does not include, among other things, publicly
available information, de-identified, anonymized and aggregated information. 
Radian may use and share non-personal information to provide and improve its
products, services, analytics and operations.

There are 3 primary ways we collect information about you: information you
provide to us, information we receive from other sources, and information we
collect by automated means.

 * Information You Provide: You may provide information directly to Radian when
   you  use the services of one of our affiliates or if You contact us directly
   or apply for a job with us. Examples of this include your name, address or
   former address, date of birth, social security number, income information,
   and personal contact information like your email address or phone number. On
   Radian Sites, you may have the option to provide personal information in
   order to receive information or promotions about our products or services.
   This information may include your name, home and business contact information
   (by mail, e-mail, fax or telephone), demographic information, and payment
   card information.
 * Information Provided To Us By Other Parties: In order to facilitate certain
   transactions, we may receive information from third parties involved in the
   transaction, such as real estate agents, brokers, lenders, servicers,
   consumer reporting agencies, settlement service providers, public sources or
   other parties. The type of personal information these third parties provide
   to Radian may include your name, address, phone number, email address,
   credit, income and tax information, social security number, account number,
   balance and payment history and other nonpublic personal financial
   information.
 * Information We Collect by Automated Means: We use technologies such
   as cookies, web server logs and web beacons. The data we collect depends on
   the context of your interactions with Radian Sites, and the products and
   features you use. The data we collect by automated means can include the
   following:
 * Date and time of Contact
 * IP Address
 * Browser type
 * Internet service provider
 * Operating system
 * Screen resolution and colors
 * Flash versions
 * Channels
 * Whether you are a new user or return visitor
 * Pages you visited on the site
 * How often, or for how long, you visit portions of the site
 * Terms you searched from our site,
 * Interactions with website content such as button clicks, downloads, or
   playing videos
 * Last page you visit on our site
 * GEO location and language
 * Branding, model, and marketing name used to identify your device
 * Unique identifier to recognize you across your devices
 * ChatBots:  we may use chatbots on our Websites; these services may monitor
   and record text conversations between you and the bot assistant.  By
   continuing to visit and use such functions on our Website, You are consenting
   to the monitoring and recording of any such conversations. 
   
   Radian has collected and disclosed for a business purpose the following
   personal information about consumers over the preceding 12 months in
   connection with providing its services, as described above:

Types of Personal Information

Categories

How we obtained this information

With Whom this information is shared

Real Name

Name

Information you provided; or
Information provided by other parties

When applicable, we may share this information with affiliated or non-affiliated
third parties and vendors to complete the requested transaction

Alias

Unique personal identifier

 

 

Postal address

Address

Commercial Information (including business address)

 

 

Email

Contact Information

Phone Number

 

 

SSN

Government-Issued Identification

Passport Number

Tax ID

Driver's License Number

 

 

Employment Information

Background Information

Education Information

 

 

Account name

Loan Number/Account Number

 

 

Payment History

Personal Financial Information

Credit History

Credit Score

Balance

 

 

Online identifier (IP address)

Online Identifiers

Information we collected by automated means

We do not share this information

Geolocation Data

Browsing History

Search History

Audio, electronic, visual thermal, olfactory or similar information, including
but not limited to headshots, photos or likenesses, that can be linked or
associated with a particular individual or household

Sensory or Surveillance Data Information you provide to us

When applicable, we may share this information with affiliated or non-affiliated
third parties and vendors to complete the requested transaction, for everyday
business purposes or for marketing purposes


Information We Sell

We do not sell the personal information we collect about you. Importantly,
Radian will not sell personal information of minors under 13 years of age
without affirmative authorization.

How We Use and Share Your Information

In order to provide its many services, Radian may need to collect personal
information about you.  We may use your personal information in connection with
facilitating certain transactions, and we may share your information with
affiliates, customers, marketing partners, vendors, services providers and other
third parties as follows:

 * For our everyday business purposes. Radian provides mortgage insurance, title
   insurance, and other mortgage and real estate related services and products
   to lenders, servicers, investors and other financial institutions and
   consumers. To provide these services, we may be provided or need to obtain
   personal and nonpublic financial information about you. Sources of this
   information include our customers, loan applications and other forms, and
   other third-party sources.
 * If you request particular services from a Radian affiliate or on a Radian
   Site, we may share information with affiliated or non-affiliated third
   parties and vendors to complete the requested transaction, if required.
 * Radian uses service providers to help us provide products and services and to
   operate our business. We may need to give our service providers access to
   personal information to provide their service. We allow them to use the
   information only to perform the service we have hired them to perform.
 * If applicable, we may need to send you communications related to your
   account. These communications may include order confirmation and customer
   service information.
 * For our marketing purposes - to offer our products and services to you. We
   may also allow third parties through an advertising network to target custom
   content and ads to you on Radian Sites and other websites. The information
   provided to these service providers is limited to only that which Radian
   deems appropriate for these service providers to carry out their functions
   and enable Radian to market to you. You can opt out by clicking here.
 * To allow third party web analytics services, such as Click Tail, to
   understand how you use Radian Sites to enhance our products, services, and
   visitors’ experience on the site.
 * If you access a third-party website through Radian Sites, we may share
   information with the third-party site, including aggregated demographic
   information. The third-party websites are operated independently from Radian
   and may have their own privacy notices and policies regarding use of your
   information, which may differ from Radian Sites.
 * To verify your identity and avoid fraud and illegality, where applicable.
 * To comply with legal, contractual and regulatory obligations.
 * For our affiliates' everyday business purposes - information about your
   transactions and experiences.
 * For our affiliates to market to you.
 * For our nonaffiliates to market to you.

We will disclose information about you if we are required to do so by law or
when we believe disclosure is required to protect Radian and its customers. We
may be required to share your information in connection with a proposed or
actual sale, merger, or transfer all or a portion of our business or assets.
Radian does not disclose nonpublic personal information to anyone except as
permitted by law or as otherwise disclosed in this Privacy Policy.

Additional Limits on Use of Your Google User Data: Notwithstanding anything else
in this Privacy Policy, if you provide the App or Site access to the following
types of your Google data, the App's or Site’s use of that data will be subject
to these additional restrictions:

 * The App or Site will only use access to read, write, modify or control Gmail
   message bodies (including attachments), metadata, headers, and settings to
   provide a web email client that allows users to compose, send, read, and
   process emails and will not transfer this Gmail data to others unless doing
   so is necessary to provide and improve these features, comply with applicable
   law, or as part of a merger, acquisition, or sale of assets.
 * The App or Site will not use this Gmail data for serving advertisements.
 * The App or Site will not allow humans to read this data unless we have your
   affirmative agreement for specific messages, doing so is necessary for
   security purposes such as investigating abuse, to comply with applicable law,
   or for the App's or Site’s internal operations and even then only when the
   data have been aggregated and anonymized.

An App or Site’s use and transfer to any other app of information received from
Google APIs will adhere to Google API Services User Data Policy, including the
Limited Use requirements.

Sharing of Agent Photos or Likeness

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 the “How We Use and Share Your Information” section above.

How We Protect Personal Information

We maintain commercially reasonable technical, administrative, and physical
safeguards designed to protect your personal information against unauthorized
access or disclosure.

Opting Out

You may choose to Opt Out of direct marketing by Radian at any time.  You may
also limit the contact from Radian. You may Opt Out of the following:

 * Telephone Calls from Radian
 * Email from Radian

To Opt Out, please contact Radian as follows:

Advertising Network: You can opt out of Radian Sites sharing your information
with an advertising network to target custom content and ads to you on Radian
Sites and other websites. For more information or to opt out, click here.
 
Do Not Track (“DNT”) Signals:  Although various internet browsers offer an
option (usually in the browser preferences) to send a signal to websites you
visit asking the site not to track your actions, Radian does not have the
ability to respond to DNT signals.
 
Unsubscribe from Radian Site Emails: If you no longer wish to receive emails
from Radian, you may cancel the service by replying to the sender with the word
“unsubscribe” in the subject line of the e-mail, or by using the unsubscribe
link in the e-mails you receive from us.
 
Opting out of Marketing Phone Calls: Email: privacy@radian.com; or send a letter
to Radian Group Inc., Attn: Legal/Compliance Dept., 550 East Swedesford Road,
Suite 350, Wayne, PA 19087. Please include your full name and the phone number
associated with your request. We may not be able to process your request without
this information.   
 
Updates to Our Privacy Policy

This Privacy Policy may be updated periodically and without prior notice to you
to reflect changes in our personal information practices. We will post a revised
Privacy Policy here and indicate at the top of the policy when it was most
recently updated.

How to Contact Us

If you have questions or concerns about this Privacy Policy, or if you would
like to inform Radian about changes in your personal information (such as your
address), you may communicate that to us by emailing privacy@radian.com.

NEW JERSEY RESIDENTS ONLY – TITLE INSURANCE INFORMATION PRACTICES NOTICE: 

As a New Jersey resident, you have the right to access and to correct all
personal information collected in relation to title services under N.J. Stat.
§17:23A-8 & 9.  To exercise these rights, you may:

 * dial the toll-free Radian Privacy line at 1.855.949.4278;
 * send a verifiable request to Radian Privacy Request through this site’s
   contact us form.

Information obtained from a report prepared by an insurance-support organization
may be retained by the insurance-support organization and disclosed to other
persons.


PRIVACY NOTICE FOR CALIFORNIA RESIDENTS

The following applies only to California residents, including current and former
Radian employees and applicants for jobs at Radian who are California residents,
and supplements Radian’s Privacy Policy.

Under the CCPA, California residents have certain rights regarding their
personal information, including:

 * The right to know the categories of personal information Radian has collected
   and the categories of sources for the personal information we collected about
   you (see Radian’s Privacy Policy regarding Information We Collect)
 * The right to know the business purposes for sharing personal information (see
   Radian’s Privacy Policy regarding How We Use Your Information)
 * The right to know the categories of third parties with whom Radian has shared
   personal information (see Radian’s Privacy Policy regarding How We Use Your
   Information)
 * The right to access the specific pieces of personal information we’ve
   collected and the right to delete your information (see below regarding
   Exercising Your Rights)
 * The right to not be discriminated against for choosing to exercise their
   privacy rights.

Exercising Your Rights

As a California resident, you can exercise your right to data access,
portability and deletion, subject to certain limitations and exclusions under
the law.  You may only make a verifiable consumer request twice within a
twelve-month period. We will make every effort to respond to your request within
45 days.  If we require additional time (up to 90 days), we will inform you of
the reason for the extension.

To exercise these rights, as explained more fully below, you may:

 * dial the toll-free Radian Privacy line at 1 855 949 4278;
 * send a verifiable request to Radian Privacy Request through this
   site’s contact us form.

If you are a current Radian employee, you may also submit a request by creating
a “case” (CA Privacy – Employee Request) via Workday Help.  For help on
submitting such a request, please contact your human resources People Business
Partner. 

To process a request, Radian will need to then verify your identity.  After your
identity has been verified, Radian will contact you through email. You will need
to provide Radian your email address and other information when you make the
request.  Radian may use third parties to verify your identity and process your
request.  Radian will evaluate your request, as required by applicable law, and
respond to your request within 45 days, if we are able to verify your identity.

 * Right to Request Information Radian Collects or Discloses: As a California
   resident, you have the right to request that Radian identify the categories
   of personal information Radian has collected about you and obtain a copy of
   the information it has collected about you. This disclosure would cover
   personal information collected about you in the 12 months preceding your
   request. If you are a California resident and would like a copy of this
   information, you may send a verifiable request to Radian Privacy Request
   through this site’s contact us form.

Please note we are unable to disclose or provide you with your Social Security
Number, Driver’s License Number, or other government issued identification
number, financial account number, any health insurance or medical identification
number, an account password, or security questions and answers.

 * Deletion of Personal Information: California residents have the right to
   request the deletion of their personal information collected by Radian. If
   you are a California resident and you would like your information deleted,
   you may submit a verifiable customer request to Radian Privacy Request for
   deletion of your personal information through this site’s contact us form. 

Authorized Agents: California residents may designate an authorized agent who is
registered with the State of California to make a request under the California
Consumer Privacy Act on the California resident’s behalf. If you are an
authorized agent seeking to submit a request on behalf of a California resident,
please click here. As with direct requests by consumers, Radian may use third
parties to verify and process requests made by authorized agents and will
evaluate and respond to such requests as required by applicable law.

Your Right to Non-Discrimination for the Exercise of a Privacy Right

We will not discriminate against you for exercising any of your CCPA rights.
Unless permitted by the CCPA, we will not:

 * Deny you goods or services.
 * Charge you different prices or rates for goods or services, including through
   granting discounts or other benefits, or imposing penalties.
 * Provide you a different level or quality of goods or services.
 * Suggest that you may receive a different price or rate for goods or services
   or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA
that can result in different prices, rates, or quality levels. Any
CCPA-permitted financial incentive we offer will reasonably relate to your
personal information’s value and contain written terms that describe the
program’s material aspects. Participation in a financial incentive program
requires your prior opt in consent, which you may revoke at any time.









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