Terms of Use The Fair Isaac network of Web Sites (the "Site") is an online information service provided by Fair Isaac Corporation, subject to your compliance with the terms and conditions set forth below. Please read the following information carefully before using this Site. By accessing or using this Site, you agree to be bound by the Terms of Use. If you do not agree with any of the below Terms of Use, do not use this Site. Fair Isaac reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms of Use at any time and by continuing to use the Site after the posting of a modification, you accept the modification. The terms and conditions herein apply to Fair Isaac Corporation, its parent companies, subsidiaries, affiliates, and divisions, all of which are referred to herein as "Fair Isaac". The terms and conditions herein are in addition to, and do not override, the specific terms and conditions that apply to the products or services offered by Fair Isaac and otherwise through this Site. These Terms of Use apply to all users of this Site, including registered users of Fair Isaac services. Should a conflict occur between this statement and the User Agreement for Fair Isaac services, the User Agreement shall take precedence. Disclaimer of Warranties and Liability Information on this Site is provided "as is" without any express or implied warranty of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement. In no event will Fair Isaac be liable to any party for any damages of any kind, including but not limited to direct, indirect, special or consequential damages for any use of this Site, or any linked site including, without limitation, lost profits, loss of use, business interruption, loss of programs or other data, whether in an action based on contract, negligence or other tortious action, even if Fair Isaac is expressly advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of warranties or damages. In no event will Fair Isaac warrant or guaranty the correctness, comprehensiveness, completeness, accuracy, timeliness, merchantability or fitness for any particular use or purpose of any information on this Site. Confidentiality Comments, suggestions, ideas or materials (including without limitation original or creative materials) sent or transmitted to Fair Isaac (collectively "Feedback") shall be deemed to be non-confidential and shall become the sole property of Fair Isaac. Subject to the conditions described on the privacy page of this Site, Fair Isaac shall have no obligation of any kind with respect to such Feedback and shall be free to use, copy, modify and/or distribute the Feedback to others without limitation for any purpose, commercial or otherwise, without compensation or acknowledgement to you, including, but not limited to developing and marketing products incorporating such Feedback. Trademark Rights FAIR ISAAC, the FAIR ISAAC Logo and the Fair Isaac product and service names referenced in this Site ("Fair Isaac Marks") are trademarks and service marks or registered trademarks and service marks of Fair Isaac Corporation. Any unauthorized use of the Fair Isaac Marks is strictly prohibited. You acknowledge Fair Isaac's exclusive rights to the Fair Isaac Marks and agree not to display or use the Fair Isaac Marks in any manner without express written consent of Fair Isaac. Other products and company names mentioned herein may be the trademarks of their respective owners. Copyright Notice Copyright Notice: © 2003 Fair Isaac Corporation. All Rights Reserved. Except as otherwise provided, Fair Isaac owns all content contained in this Site, including without limitation the information, materials, text, graphics, Site design, and the selection, assembly and arrangement thereof ("Content"). The Content is protected by copyright laws of the U.S. and other countries and may not be used for any commercial purpose or copied, distributed, displayed, modified, reproduced, performed, published, posted or reverse engineered in whole or in part without the prior written permission of Fair Isaac. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. Except as otherwise indicated on a particular document authored by another entity, the documents on this password protected portion of the web site are the confidential property of Fair Isaac Corporation. Access is limited to the Terms of Use set forth at that named link. As a limited exception to those Terms of Use, and subject to strict conformance with the following license, users to whom passwords have been issued are hereby granted a limited license, for those documents authored by Fair Isaac, to make a reasonable and limited number of copies, for internal use by employees with a need to know, and for external distribution only to the user's brokers for the broker's internal use only. In no event may copies be sold or distributed to consumers; provided that the one page of FAQ's entitled "Answers to Your Questions About Insurance Bureau Scores" at the link "For Your Customers" is not subject to the foregoing copying and use restrictions; and provided further that no user or transferee my change or delete any copyright or proprietary notices from the materials or any copies. The information in these documents is subject to change without notice. If you find any problems in these documents, please report them to us in writing. This information is provided "as is". Fair Isaac makes no representations, warranties or endorsements with respect to any web site which may be accessed from this Site. When you access a non-Fair Isaac web site, please understand that Fair Isaac has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other destructive items. Jurisdictional Issues Unless otherwise specified, the materials in the Site are designed for use by United States residents only. This Site is controlled and operated by Fair Isaac through its corporate headquarters within the State of California and this Agreement shall be governed by, construed and enforced in accordance with the laws of the State of California, as it is applied to agreements entered into and to be performed entirely within such State. You agree that any legal action or proceeding between Fair Isaac and you for any purpose concerning this Site or the parties' obligations hereunder shall be brought exclusively in the U.S. District Court for the Northern District of California or state court of competent jurisdiction sitting in the County of Marin, State of California. Indemnification You agree to indemnify, defend and hold harmless Fair Isaac, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Site from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these Terms of Use. Miscellaneous This Site is for informational purposes only and is not intended to provide any financial, legal, or investment advice.Some of the information on this Site may contain certain forward-looking statements regarding events and trends that may affect the Company's future results. Such statements are subject to risks and uncertainties that could cause the Company's actual results to differ materially. Such factors include, but are not limited to, the Company's ability to recruit and maintain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, its ability to continue to develop new and enhanced products and services, competition, market demand and other factors described in the Company's annual report to stockholders, its annual report on Form 10-K, quarterly reports on Form 10-Q, and other reports filed with the Security and Exchange Commission. No waiver of any breach of any provision of these Terms of Use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions hereof. If any court of competent jurisdiction finds any part or provision of these Terms of Use to be invalid or unenforceable, such findings shall have no effect on any other part or provision of these Terms of Use. All waivers must be in writing. Any action against Fair Isaac must be brought within six (6) months after the cause of action arises. Fair Isaac is not responsible for delay or failure to perform due to causes beyond its reasonable control. Any rights not expressly granted herein are reserved.