September 13,2019 

WHAT YOU SHOULD KNOW

Welcome to the WWW.NORTHERNNJTITLE.COM web site (the "Web Site"). Please read our Termsof Use (the "Terms") carefully before continuing on with your use ofthis Web Site. These Terms shall govern the use of the Web Site and apply toall Internet traffic visiting the Web Site. By accessing or using this WebSite, you agree to the Terms. The Terms are meant to protect all of our WebSite visitors and your use of this Web Site signifies your agreement with theseTerms. IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT USE THIS WEB SITE.

Northern New JerseyTitle Services, LLC ("We", "Us", "Our")reserves the right, in its sole discretion, to modify, alter or otherwiseupdate these Terms at any time. Such modifications shall be effectiveimmediately upon posting. By using this Web Site after we have posted notice ofsuch modifications, alterations or updates you agree to be bound by suchrevised Terms. IF YOU DO NOT AGREE WITH THE REVISED TERMS, YOU MUST STOPUSING THIS WEB SITE.

This Web Site willpermit you to link to many other web sites (Linked Sites), that may or maynot be affiliated with this Web Site and/or Northern New Jersey TitleServices, LLC, and that may have terms of use that differ from, or containterms in addition to, the terms specified here. Your access to such LinkedSites through links provided on this Web Site is governed by the terms of useand policies of those sites, not this Web Site. Please review those LinkedSites terms of use and policies when using such links.

PRIVACY

Registration data andcertain other information about you are subject to our Privacy Policy. For moreinformation, please review our full Privacy Policy at https://www.northernnjtitle.com.

TRADEMARKS, COPYRIGHTS AND RESTRICTIONS

This Web Site iscontrolled and operated by Northern New Jersey Title Services, LLC, 300ELake Street, Ramsey, NJ 07446. All content on this Web Site, including, but notlimited to text, images, illustrations, audio clips, and video clips, isprotected by copyrights, trademarks, service marks, and/or other intellectualproperty rights (which are governed by U.S. and worldwide copyright laws and treatyprovisions, privacy and publicity laws, and communication regulations andstatutes), and are owned and controlled by Northern New Jersey TitleServices, LLC or its affiliates, or by third party content providers,merchants, sponsors and licensors (collectively "Providers") thathave licensed their content or the right to market their products and/orservices to Northern New Jersey Title Services, LLC. Content on this WebSite or any web site owned, operated, licensed or controlled by the Providersis solely for your personal, non-commercial use. You may print a copy of theContent and/or information contained herein for your personal, non-commercialuse only, but you may not copy, reproduce, republish, upload, post, transmit,distribute, and/or exploit the Content or information in any way (including bye-mail or other electronic means) for commercial use without the prior writtenconsent of Northern New Jersey Title Services, LLC or the Providers.

Without the priorwritten consent of Northern New Jersey Title Services, LLC or theProviders, your modification of the Content, use of the Content on any otherweb site or networked computer environment, or use of the Content for anypurpose other than personal, non-commercial use, violates the rights of the ownersof Northern New Jersey Title Services, LLC and/or the Provider copyrights,trademarks or service marks and other proprietary rights, and is prohibited. Asa condition to your use of this Web Site, you warrant to Northern NewJersey Title Services, LLC that you will not use our Web Site for any purposethat is unlawful or prohibited by these Terms, including without limitation theposting or transmitting any threatening, libelous, defamatory, obscene,scandalous, inflammatory, pornographic, or profane material, nor in violationof the Acceptable Use Policy of the Web Site hosting service provider,. If youviolate any of these Terms, your permission to use our Web Site immediatelyterminates without the necessity of any notice.

Northern New JerseyTitle Services, LLC retains the right to deny access to anyone at itsdiscretion for any reason, including for violation of these Terms. You may notuse on your web site any trademarks, service marks or copyrighted materialsappearing on this Web Site, including but not limited to any logos orcharacters, without the express written consent of the owner of the mark orcopyright. You may not frame or otherwise incorporate into another web site anyof the Content or other materials on this Web Site without prior writtenconsent of Northern New Jersey Title Services, LLC.

PROHIBITED ACTIVITIES

You are specificallyprohibited from any use of this Web Site, and You agree not to use or permitothers to use this Web Site, to: (a) take any action that imposes an unreasonableor disproportionately large load on the Web Site's infrastructure, includingbut not limited to "spam" or other such unsolicited mass e-mailingtechniques; (b) disclose or share the assigned confirmation numbers and/orpasswords with any unauthorized third parties or use the assigned confirmationnumbers and/or passwords for any unauthorized purpose; (c) attempt to decipher,decompile, disassemble or reverse engineer any of the software or HTML codecomprising or in any way making up a part of this Web Site; (d) upload, post,email or otherwise transmit any information, Content, or proprietary rightsthat You do not have a right to transmit under any law or under contractual orfiduciary relationships; (e) violate any applicable local, state, national orinternational law, including, but not limited to, any regulations having theforce of law; or (f) use any robot, spider, intelligent agent, other automaticdevice, or manual process to search, monitor or copy our Web pages, or theContent without our prior written permission, provided that generally availablethird party Web browser such as Firefox Microsoft Internet Explorer may beused without such permission.

LINKS

This Web Site maycontain links to other web sites ("Linked Sites"). The Linked Sitesare provided for your convenience and information only and, as such, you accessthem at your own risk. The content of any Linked Sites is not under the controlof Northern New Jersey Title Services, LLC, and Northern New JerseyTitle Services, LLC does not endorse, such content, whether or not NorthernNew Jersey Title Services, LLC is affiliated with the owners of such LinkedSites. You may not establish a hyperlink to this Web Site or provide any linksthat state or imply any sponsorship or endorsement of your web site by NorthernNew Jersey Title Services, LLC, or its affiliates or Providers.

DISCLAIMER OF WARRANTIES

ALL CONTENT ON THISWEB SITE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KINDEITHER EXPRESS OR IMPLIED. OTHER THAN THOSE WARRANTIES WHICH, UNDER THE U.S.LAWS APPLICABLE TO THESE TERMS, ARE IMPLIED BY LAW AND ARE INCAPABLE OFEXCLUSION, RESTRICTION, OR MODIFICATION, NORTHERNNEW JERSEY TITLE SERVICS, LLC DISCLAIMS ANY AND ALL WARRANTIES,EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OFMERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NEITHER NORTHERN NEW JERSEY TITLE SERVICS, LLC,ITS AFFILIATED OR RELATED ENTITIES, NOR THE PROVIDERS, NOR ANY PERSON INVOLVEDIN THE CREATION, PRODUCTION, AND DISTRIBUTION OF THIS WEB SITE WARRANT THAT THEFUNCTIONS CONTAINED IN THIS WEB SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THATDEFECTS WILL BE CORRECTED, OR THAT THE SERVER THAT MAKES THE CONTENT AVAILABLEWILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THE CONTENT THAT YOUACCESS ON THIS WEB SITE IS PROVIDED SOLELY FOR YOUR CONVENIENCE AND INFORMATIONONLY. NORTHERN NEW JERSEY TITLESERVICS, LLC DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDINGTHE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEB SITE, OR AS TO THERELIABILITY, ACCURACY OR CURRENCY OF ANY INFORMATION CONTENT, AND/OR SERVICEPURSUANT TO YOUR USE OF THIS WEB SITE.

 DISCLAIMER OF LIABILITY

YOU EXPRESSLY AGREETHAT USE OF THIS WEB SITE IS AT YOUR SOLE RISK. YOU (AND NORTHERN NEW JERSEY TITLE SERVICS, LLC)ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION OF YOURSYSTEM. YOU EXPRESSLY AGREE THAT NEITHER NORTHERNNEW JERSEY TITLE SERVICS, LLC, NOR ITS AFFILIATED OR RELATED ENTITIES(INCLUDING ITS PROVIDERS AND ITS WEB HOSTING SERVICE PROVIDERS, AND THEIRSUPPLIERS), NOR ANY OF THEIR RESPECTIVE EMPLOYEES, OR AGENTS, NOR ANY PERSON ORENTITY INVOLVED IN THE CREATION, PRODUCTION, DISTRIBUTION, HOSTING, AND/OROPERATION OF THIS WEB SITE, IS RESPONSIBLE OR LIABLE TO ANY PERSON OR ENTITYWHATSOEVER FOR ANY LOSS, DAMAGE (WHETHER ACTUAL OR CONSEQUENTIAL), CLAIM,LIABILITY OR OTHER CAUSE OF ANY KIND OR CHARACTER WHATSOEVER BASED UPON ORRESULTING FROM THE USE OR ATTEMPTED USE OF THIS WEB SITE INCLUDING, WITHOUTLIMITATION, USE OF OR ACCESS TO ANY RELATED SOFTWARE OR HARDWARE).

BY WAY OF EXAMPLE, ANDWITHOUT LIMITING THE GENERALITY OF THE FOREGOING, NORTHERN NEW JERSEY TITLE SERVICS, LLC AND RELATEDPERSONS AND ENTITIES SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY CLAIM OR DAMAGEARISING FROM FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION,DEFECT, DELAY IN OPERATION, COMPUTER VIRUS, THEFT, DESTRUCTION, UNAUTHORIZEDACCESS TO OR ALTERATION OF PERSONAL RECORDS, OR THE RELIANCE UPON OR USE OFDATA, INFORMATION, OPINIONS OR OTHER MATERIALS APPEARING ON THIS WEB SITE. YOUEXPRESSLY ACKNOWLEDGE AND AGREE THAT NORTHERNNEW JERSEY TITLE SERVICS, LLC IS NOT LIABLE OR RESPONSIBLE FOR ANYDEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER SUBSCRIBERS OR THIRD PARTIES.

INDEMNIFICATION

You agree toindemnify, defend, and hold harmless Northern New Jersey Title Services,LLC, the Providers, and Web Site hosting service providers, and its and theirofficers, directors, employees, affiliates, agents, licensors, and suppliersfrom and against all losses, expenses, damages and costs, including reasonableattorneys' fees, resulting from any violation by you of these Terms or misuseof the Web Site.

THIRD PARTY RIGHTS

These Terms are forthe benefit of Northern New Jersey Title Services, LLC, its Providers, andWeb Site hosting service providers, and its and their officers, directors,employees, affiliates, agents, licensors, and suppliers. Each of theseindividuals or entities shall have the right to assert and enforce these Termsdirectly against you on its or their own behalf.

JURISDICTIONAL ISSUES

Unless otherwisespecified, the Content contained in this Web Site is presented solely for yourconvenience and/or information. This Web Site is controlled and operatedby Northern New Jersey Title Services, LLC from Ramsey, NJ. NorthernNew Jersey Title Services, LLC makes no representation that Content in itsWeb Site is appropriate or available for use in other locations. Those whochoose to access this Web Site from other locations do so on their owninitiative and are responsible for compliance with local laws, if and to the extentlocal laws are applicable. You may not use or export the materials in this WebSite in violation of U.S. export laws and regulations.

RESOLVING DISPUTES

If a dispute shouldarise between you and Northern New Jersey Title Services, LLC, we want toprovide you with a resolution that is efficient and cost effective by using ourcustomer service team. Almost all customer service disputes can be resolved tothe customers satisfaction by using our customer service, reachable by calling 201-729-4054 orby sending an email through the Contact Us section of our website.

If your dispute cannotbe resolved using our customer service team, these Terms describe how we shallproceed with the resolution of the dispute.

AGREEMENT TO ARBITRATE DISPUTES

PLEASE READ THISSECTION CAREFULLY IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDINGYOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. ITCONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

IF YOU ARE A U.S.RESIDENT, YOU ALSO AGREE TO THE FOLLOWING MANDATORY ARBITRATION PROVISIONS:

1. WE BOTH AGREE TO ARBITRATE: You and Northern New Jersey Title Services, LLC agree to resolve any claims relating to these Terms through final and binding arbitration, except that, to the extent you have in any manner violated or threatened to violate Northern New Jersey Title Services, LLCs intellectual property rights (for example, trademark, trade secret, copyright, or patent rights). Under such circumstances Northern New Jersey Title Services, LLC may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Site, or intellectual property infringement (for example, trademark, trade secret, copyright, or patent rights) without first engaging in arbitration or the informal dispute-resolution process described above.
2. WHAT IS ARBITRATION: Arbitration is more informal than a lawsuit in court and seeks to resolve disputes more quickly. Instead of a judge or a jury, the case will be decided by a neutral arbitrator who has the power to award the same damages and relief that a court can. If any provision of this arbitration agreement is found unenforceable, the unenforceable provision shall be severed, and the remaining arbitration terms shall be enforced.
3. ARBITRATION PROCEDURES: The Federal Arbitration Act governs the interpretation and enforcement of this dispute resolution provision. Arbitration shall be initiated through JAMS. Any dispute, controversy, or claim arising out of or relating to these Terms shall be referred to and finally determined by arbitration in accordance with the JAMS Streamlined Arbitration Rules and Procedures. If there is a conflict between JAMS Rules and the rules set forth in this Agreement to Arbitrate, the rules set forth in this Agreement to Arbitrate will govern. The JAMS Rules and instructions for how to initiate an arbitration are available from JAMS at http://www.jamsadr.com or 1-800-352-5267. To initiate arbitration, you or Northern New Jersey Title Services, LLC must do the following things:
1. (1) Write a demand for Arbitration. The demand must include a description of the Claim and the amount of damages sought to be recovered. You can find a copy of a Demand for Arbitration at www.jamsadr.com.

(2) Send three copies of the Demand for Arbitration, plus theappropriate filing fee to your local JAMS office.

(3) Send one copy of the Demand for Arbitration to the otherparty.

4. Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules, except that for claims of less than $1,000, Northern New Jersey Title Services, LLC will pay all administrative costs and fees provided, however, if Northern New Jersey Title Services, LLC prevails you will reimburse us for all such administrative costs and fees. Arbitration under this agreement shall be held in the United States county where you live or work, New Jersey, or any other location we mutually agree to, subject to New Jersey law. The arbitration may award on an individual basis the same damages and relief as a court (including injunctive relief). Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
5. AUTHORITY OF ARBITRATOR: The arbitrator will decide the rights and liabilities, if any, of you and Northern New Jersey Title Services, LLC, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the Arbitration Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and Northern New Jersey Title Services, LLC.
6. NO CLASS ACTIONS: You may only resolve disputes with us on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed.
7. WAIVER OF JURY TRIAL: THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in court and are subject to very limited review by a court. In the event any litigation should arise between you and Northern New Jersey Title Services, LLC in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, YOU AND NORTHERN NEW JERSEY TITLE SERVICES, LLC WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge. YOU ACKNOWLEDGE THAT YOU HAVE BEEN ADVISED THAT YOU MAY CONSULT WITH AN ATTORNEY IN DECIDING TO ACCEPT THIS AGREEMENT TO ARBITRATE.
8. OPT-OUT OF AGREEMENT TO ARBITRATE: You can decline this agreement to arbitrate by emailing Northern New Jersey Title Services, LLC at contact@northernnjtitle.com and providing the requested information as follows: (1) Your Name; (2) the URL of Terms of Use and Agreement to Arbitrate Disputes; (3) Your Address; (4) Your Phone Number; (5) and clear statement that you wish to opt out of this arbitration provision in the Terms of Use. The Opt-Out Notice must be emailed no later than 30 days after the date you first accept the Terms of Use by using the website.

CHOICE OF LAW/FORUM SELECTION

In any circumstanceswhere the Agreement to Arbitrate Disputes permits the parties to litigate incourt, these Terms shall be governed by and construed in accordance with thelaws of the State of New Jersey, excluding its conflict of law rules. You furtherexpressly consent and agree to submit to the exclusive jurisdiction and venueof a court of competent jurisdiction located in Burlington County, New Jerseyor the District Court of New Jersey.

ENTIRE AGREEMENT

The provisions andconditions of these Terms, and each obligation referenced herein, represent theentire Agreement between Northern New Jersey Title Services, LLC, itsaffiliated or related entities, and you, and supersede any prior agreements orunderstandings not incorporated herein. In the event that any inconsistenciesexist between these Terms and any future published terms of use orunderstanding the last published Terms of Use shall prevail.