FNC, Inc.
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Terms of Use

Effective February 29, 2016

This web site is provided by FNC, Inc. ("FNC"). Access to, and use of, the information contained in this web site ("Site") are subject to the terms and conditions listed below. Please read this information carefully. Your use of this Site signifies your agreement to follow and be bound by these terms and conditions. FNC® reserves the right to make changes or updates to this Site, the products or programs described in this Site, or these terms and conditions at any time without further notice. Your continued use of this Site following such changes signifies your acceptance of the revised terms and conditions.

Use of Site
You are hereby authorized by FNC to view, download, copy and print documents and the graphics incorporated therein ("Materials") from this Site subject to the following restrictions: 1) the Materials may be used solely by you for your own personal informational, educational, or other non-commercial purposes; 2) all copies you make must include any copyright or other proprietary notices originally shown or included in the Materials; 3) you may not modify any of the Materials found at this Site nor attempt to pass off any Materials found at this Site as your own; 4) you may not use, reproduce or publicly display or perform, or distribute any of the Materials within this Site for any commercial or public purpose, unless FNC has given you prior written consent to do so; 5) you also may not "mirror" or "frame" any portions of this Site in any other environment without prior written consent from FNC. FNC reserves the right to terminate the access of any user in its discretion, including users that do not observe these terms and conditions and who infringe or otherwise violate the rights of others.

Use of Software
Any computer software which may be downloaded or is otherwise available from this Site is licensed subject to either the written license agreement between you and FNC or the click-through license which you agree to at the time of download or use. Software to which either of these licenses is applicable is subject to the terms of its associated license agreement only, unless expressly stated otherwise. However, if neither a written license nor a click-through license is available, your use of the software will be subject to the following conditions: 1) you may not use, reproduce, record, publish, publicly exhibit or distribute any software made available on this Site without FNC's express prior written consent; 2) you are granted a personal, non-exclusive non-transferable license to use such software subject to the above restrictions; 3) you may not copy, decompile, disassemble, decrypt or otherwise reverse engineer any such software; 4) such software is subject to all Warranties and Disclaimers as set forth below; 5) except as expressly granted elsewhere, FNC, Inc. and its licensors reserve all rights, title and interest in and relating to such software.

Accounts, Passwords and Security
If any of the services provided on this Site requires you to open an account, you must complete the registration process by providing us with current, accurate and complete information as requested on the applicable registration form. You further agree to maintain and promptly update such information to keep it current, accurate and complete. If you are using the services on behalf of your employer, you represent that you are authorized to accept these Terms of Use on your employer's behalf. You are solely responsible for maintaining the confidentiality of your password(s). You acknowledge and agree that certain services may provide password-restricted access to customer information such as names and certain products. By using this Site and registering for such services, you consent to FNC's display of such information via the services and accept all risks of unauthorized access to such information. You are also fully responsible for all activities that occur under your account. You agree to notify FNC immediately of any unauthorized use of your account or password. FNC will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by FNC or any other party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.

Warranties and Disclaimers

Third-Party Materials on this Site
This Site may contain materials from third parties, including software in executable or source code form ("Third-Party Materials"). All Third-Party Materials contained in this Site are subject to the Warranties and Disclaimers set forth above.

Links to Third-Party Sites
Any links to third-party Sites found within this Site are provided solely as an added convenience to you. FNC has neither reviewed the contents of these third-party Sites nor does FNC claim any responsibility for the content or suitability of these third-party Sites. If you decide to visit any of the third-party sites linked to this Site, you do so at your own risk.

Copyright Infringement
If a copyright owner, its agent, or licensee has reason to believe that any material contained on this Site and other Sites controlled by FNC may infringe on its copyright, they may notify FNC in the following way:

Notice must be given in writing and include the following: (a) identification of the copyright owner, its agent or licensee along with contact information; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the allegedly infringing material; (d) a description of where the material that you claim is infringing is located on the site, including the URL and date on which the material was displayed; (e) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or licensee, or is otherwise permissible by law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner, agent, or licensee.

Anyone who knowingly misrepresents that material is infringing in such a notice will be liable for any damages and any associated costs incurred by FNC, any alleged infringer, or any copyright owner or its authorized agent or licensee. Written notice must be sent to FNC, Inc., 1214 Office Park Drive, Oxford, MS 38655, Attention: General Counsel or may be forwarded to dmca-agent@fncinc.com.

Except where expressly provided otherwise by FNC, all comments, feedback, information or materials submitted to FNC through or in association with this Site shall be considered non-confidential and the property of FNC. By submitting any comments, information, materials or other feedback to FNC, you agree to a no-charge assignment to FNC of any rights, title and interest to the comments, information, materials or other feedback. Subject to the FNC Privacy Statement, FNC shall be free to use such comments, information, materials or other feedback without restriction.

Unsolicited User Submissions
Neither FNC nor any of its employees accept or consider unsolicited submissions of ideas of any kind from outside parties. Therefore, please do not send any unsolicited original materials, concepts or ideas to anyone at FNC either through this Site or via any other means of communication. However, should you choose to ignore this request, please be advised that any unsolicited information or material sent to FNC or any FNC employee will be deemed NOT to be confidential. Your submission of any unsolicited information or material grants to FNC an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute that information or material and any underlying intellectual property. In addition, FNC is free to use any ideas, concepts, know-how or techniques that you send us for any purposes. The FNC Privacy Statement will govern the disclosure of your name or any other personal information related to any such submissions.

Acceptable Use
This Site is provided as a professional environment in which you and others may conduct your activities. To allow you and the others who use this Site to be able to enjoy that professional environment, FNC asks you to promote and respect that professional environment in your use of the Site and your communication with the Site and other users. As a result, FNC requests that you observe these common sense rules. Users who fail to do so, in FNC's sole discretion, may have their access to this Site (and any associated accounts) suspended or terminated.

  • Do not post, communicate or permit any messages that are obscene, vulgar, sexually-oriented, hateful, offensive, or threatening, libelous, slanderous or in any case, in any manner unlawful.
  • Do not direct a personal insult at or about another user, at the Site or any other person or organization.
  • Do not impersonate or imitate any other person, or misrepresent yourself or your affiliation with any other person or organization.

Governing Law and Jurisdiction
This Site is controlled by FNC from its offices in Oxford, Mississippi, United States of America. All matters relating to your access to, or use of, this Site shall be governed by U.S. federal law or the laws of the State of Mississippi. Any legal action or proceeding relating to your access to, or use of, this Site shall be instituted exclusively in a state or federal court of competent jurisdiction in Lafayette County, Mississippi. You and FNC agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.

Proprietary Rights
This Site contains and references trademarks, patents, trade secrets, technologies, products, processes or other proprietary rights of FNC or other parties. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes and other proprietary rights of FNC or other parties is granted to or conferred upon you.

Privacy Statement

This Privacy Statement explains data collection and use practices of this FNC web site (the "Site") By visiting the Site, you are consenting to the information collection and use practices described in this Privacy Statement. Other FNC services whether with links from this Site or not may have their own privacy statements, which can be viewed by clicking on their links.

Collection of your Personal Information
You can visit the Site to read information regarding our products, services, and various other topics without telling us who you are and without revealing any personal information. We will ask you when we need information that personally identifies you (personal information) or allows us to contact you to provide a service or carry out your request(s). The personal information we collect may include your name, title, company or organization name, work e-mail or other e-mail, work phone, work or home address, information about your job function, information about your company, and credit card information.

The Site will also collect certain information about your visit, such as the name of the Internet service provider and the Internet Protocol (IP) address through which you gain access to the Internet; the date and time you visit the Site; the web browser you are using; the pages that you view while at the Site and the Internet address of the web site from which you linked directly to our Site. In doing so, FNC may employ web beacons (sometimes called various other names, including internet tags or clear gifs) or other devices or techniques. This information is used to help improve the Site, improve our marketing efforts, analyze trends, and administer the Site. FNC uses third parties to assist it with collecting and analyzing this information. This Privacy Statement does not cover the use of information that those third parties themselves may have gathered from you.

Use of your Personal Information
The personal information collected on this Site will be used to operate the Site and to provide the service(s) or carry out the transaction(s) you have requested or authorized.

In support of these uses, FNC may use personal information to provide you with more effective customer service, to improve the Site, or to improve any related FNC products or services. It will also use it to make the Site easier to use by eliminating the need for you to repeatedly enter the same information or by customizing the Site to your particular preference or interests. In order to offer you a more consistent experience in your interactions with FNC, information collected by FNC may be combined with information collected by other FNC services.

We may use your personal information to provide you with important information about the product or service that you are using, including critical updates and notifications. Additionally, with your permission, we may send you information about other FNC products and services, or share information with FNC partners or affiliates so they may send you information about their products and services.

We may merge Site-visitation data with anonymous demographic information for research purposes, and we may use this information in aggregate to provide more relevant content. In some limited-entry sections of the Site, with your approval, we will combine Site-visitation data with your personal information in order to provide you with personalized content. If you decline permission, we will not provide you the personalized service and will not merge your personal information with Site-visitation data.

FNC occasionally engages other companies to provide limited services on our behalf, such as Site hosting, packaging, and sending information about our products, special offers, and other new services. We will only provide those companies the personal information they need to deliver the service. They are required to maintain the confidentiality of the information and are prohibited from using that information for any other purpose.

FNC may disclose personal information if required to do so by law or in the good faith belief that such action is necessary to (a) conform to the edicts of the law or comply with legal process served on FNC or the Site; (b) protect and defend the rights or property of FNC and our family of web sites; or (c) act in urgent circumstances to protect the personal safety of FNC employees or agents, users of FNC products or services, or members of the public.

Control of your Personal Information
Except as otherwise described in this Privacy Statement, personal information you provide on the Site will not be shared outside of FNC and its subsidiaries, affiliates or partners without your permission. As described below in the next section, you can gain access to your personal information and make choices about how you wish to be contacted.

Please be aware that this Privacy Statement and any choices you make on the Site will not necessarily apply to personal information you may have provided to FNC in the context of other, separately operated, FNC products or services.

The Site may send out periodic e-mails informing you of technical service or security issues related to a product or service you requested, or confirming you requested a product or service. In some services offered by the Site, contact with the customer is an intrinsic part of the service. You will not be able to choose to unsubscribe to these mailings, as they are considered an essential part of the service(s) you have chosen.

Access to your Personal Information
If you would like to review the information about you that we have collected through our website, or to change that information, you can make that request by contacting us electronically at privacy@fncinc.com. You may also contact us in writing at the address below under "Contact Information". We may require that you verify your identity before we process your request.

Security of your Personal Information
FNC employs a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer servers that are located in controlled facilities and to which we grant only limited access.

Protection of Children's Personal Information
The Site is a general audience site and does not knowingly collect any personal information from children.

Use of Cookies
Cookies are pieces of information that a web site transfers to an individual's hard drive for record-keeping purposes in order to track site and user activity. One of the primary purposes of cookies is as a convenience to save you time. For example, if you personalize a web page, or navigate within a web site, a cookie helps the site to recall your specific information on subsequent visits. This simplifies the process of delivering relevant content, eases site navigation, and so on. When you return to the site, the information you previously provided can be retrieved, so you can easily use the site's features that you customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of this or other web sites you visit.

How FNC responds to Do Not Track (DNT) browser settings
Some browsers, plug-ins and other mechanisms have the setting for "do not track" or "DNT". When FNC receives a DNT signal or setting it does not override that setting. FNC does not treat you differently if you have that setting, however, the website itself may function in a different way.

Hyperlinks to other Web Sites
Hyperlinks to third-party web sites from this Site are provided solely as a convenience to you. We have not reviewed these third-party sites and do not control them. FNC does not assume responsibility for any of these sites, their content, or their privacy policies. FNC does not endorse or make any representations regarding the collection or use of personal information by these third-party sites. If you decide to visit any of the third-party sites linked to this Site, you do so at your own risk.

No Representation or Warranty
Your confidential use of this Site cannot be guaranteed by FNC. FNC shall not be responsible for any harm that you or any person may suffer as a result of a breach of confidentiality with respect to your use of this Site or any information you transmitted to this Site.

Changes to this Statement
We may occasionally update this Privacy Statement. When we do, we will also revise the "last updated" date at the bottom of the Privacy Statement. For material changes to this Privacy Statement, we will notify you by posting our updated Privacy Statement on the Site and inserting a new "Effective Date." We encourage you to periodically review this Privacy Statement to stay informed about how we are helping to protect the personal information we collect. Your continued use of the service constitutes your agreement to this Privacy Statement and any updates.

Contact Information
FNC welcomes your comments and questions regarding this Privacy Statement. If you believe that FNC has not adhered to this Privacy Statement, please contact us electronically at privacy@fncinc.com or via postal mail at the address provided below, and we will use commercially reasonable efforts to promptly determine and remedy the problem.

Attention: Privacy
1214 Office Park Drive
Oxford, MS 38655


This policy was last updated on February 29, 2016.

Trademark Information

The following are registered trademarks and trademarks of FNC, Inc., its subsidiaries and affiliates which may appear in FNC, Inc. Web sites:

Registered trademarks of FNC, Inc.
Collateral Management System®
Collateral Vision®
FNC Residential Price Index®

This Information was last updated on February 29, 2016.