TERMS OF USE

Last updated: April 18, 2026

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These Website Terms of Use ("Terms") govern your access to and use of the website located at https://www.praxistitle.com (the "Website") operated by Praxis Title & Escrow LLC and Praxis Title & Escrow of Texas LLC (collectively, "Praxis Title & Escrow," "Praxis," "we," "us," or "our"). Praxis Title & Escrow of Texas LLC is the contracting entity with respect to transactions and Website interactions relating to Texas property; Praxis Title & Escrow LLC is the contracting entity for all other transactions and Website interactions.

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PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE WEBSITE. THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER IN SECTION 14 THAT AFFECT YOUR LEGAL RIGHTS.

Wire fraud and email compromise are ongoing threats in real estate closings. Praxis will never send you wiring instructions, or a change to previously issued wiring instructions, by unsecured email. Before sending any funds, call your Praxis closer at a phone number you have independently verified (not one provided in an email) to confirm the wiring instructions and the receiving account. Do not rely on phone numbers, email addresses, or wiring information contained in any email purporting to be from Praxis without independent verification. Praxis is not responsible for losses arising from your failure to independently verify wiring instructions.

These Terms constitute a legally binding agreement between you and Praxis. By accessing, browsing, or otherwise using the Website, you represent and warrant that (a) you have read, understood, and agree to be bound by these Terms, (b) you are at least 18 years of age (or the age of majority in your jurisdiction, if higher), and (c) you have the authority to enter into these Terms personally or on behalf of any entity you purport to represent. Your use of the Website is also governed by our Privacy Policy (the "Privacy Policy"), which is incorporated into these Terms by reference.

The Website and its content are provided for general informational purposes only and do not constitute legal, tax, financial, insurance, or other professional advice. Nothing on the Website creates an attorney-client, agency, fiduciary, or other professional relationship between you and Praxis. Title insurance, closing, and escrow services are provided only pursuant to a separate written engagement, commitment, closing protection letter, title insurance policy, or escrow agreement, as applicable. You should consult your own attorney, tax advisor, or other qualified professional regarding your specific situation.

Information on the Website is not an offer to sell, or a solicitation of an offer to buy, title insurance or any other product or service in any jurisdiction where Praxis is not licensed or authorized to conduct business, or where such offer or solicitation would be unlawful. Title insurance is issued by the applicable underwriter and is subject to the terms of the policy.

We may modify these Terms at any time. The updated Terms will be indicated by a revised "Last updated" date and will be effective when posted. Your continued use of the Website after the effective date constitutes your acceptance of the revised Terms. We may also modify, suspend, or discontinue all or any portion of the Website at any time, with or without notice, and will not be liable to you or any third party for doing so.

The Website is intended for users who are at least 18 years of age and located in the United States. By using the Website, you represent and warrant that you meet these requirements. We do not knowingly collect information from or direct the Website to children under 13 years of age. See our Privacy Policy for additional information.

Certain features of the Website may require you to register or receive login credentials, access a secure portal, or use electronic signature services. You are responsible for (a) maintaining the confidentiality of your credentials, (b) all activities that occur under your account, and (c) promptly notifying us of any unauthorized use. We are not liable for any loss or damage arising from your failure to safeguard your credentials.

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By providing your email address, phone number, or other contact information, you consent to receive communications from us electronically, including transaction-related notices, closing documents, and administrative messages. You agree that electronic communications, electronic signatures, and electronic records satisfy any legal requirement that such communications, signatures, or records be in writing, subject to the Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state law.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable permission to access and use the Website for your personal, non-commercial use or, if you are a party or professional involved in a Praxis transaction, for purposes of that transaction. We may revoke this permission at any time.

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You agree that you will not (a) reproduce, distribute, publicly display, modify, sell, or commercially exploit any part of the Website, (b) use any data mining, robots, scraping, or similar data gathering or extraction methods, (c) frame or mirror any part of the Website, or (d) reverse engineer or attempt to derive the source code of any software on the Website.

You agree not to use the Website to:

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• violate any applicable federal, state, local, or international law or regulation, including laws governing real estate, title insurance, escrow, consumer protection, anti-money laundering, privacy, or export control;

• engage in, facilitate, or attempt wire fraud, business email compromise, phishing, impersonation of Praxis personnel, or any other fraudulent scheme;

• upload or transmit any viruses, worms, malware, or other malicious code, or otherwise interfere with or disrupt the Website, its servers, or networks connected to it;

• attempt to gain unauthorized access to any portion of the Website, other accounts, computer systems, or networks connected to the Website;

• harvest, scrape, or collect personal information of other users;

• use the Website to transmit any content that is unlawful, defamatory, harassing, threatening, obscene, or otherwise objectionable; or

• use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party's use of the Website.

If you submit any information, documents, feedback, suggestions, or other content through the Website (collectively, "Submissions"), you represent and warrant that you have all rights necessary to provide the Submissions and that the Submissions do not violate any third-party rights. You grant Praxis a non-exclusive, royalty-free, worldwide, perpetual, irrevocable license to use, reproduce, modify, and incorporate Submissions for purposes of providing and improving the Website and our Services, subject to the Privacy Policy. Do not submit any information through the Website that you consider confidential or that you do not want shared, except through secure channels we designate for transaction documents.

The Website may contain links to, or content from, third-party websites, services, or resources that are not owned or controlled by Praxis. We provide these links and content for convenience only and do not endorse or assume any responsibility for the content, privacy practices, or actions of any third party. Your use of third-party websites and services is at your own risk and is subject to the terms and privacy policies of those third parties.

THE WEBSITE AND ALL CONTENT, MATERIALS, AND INFORMATION ON IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, PRAXIS DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

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Without limiting the foregoing, Praxis does not warrant that (a) the Website will be uninterrupted, secure, or error-free, (b) defects will be corrected, (c) the Website or the servers that make it available are free of viruses or other harmful components, or (d) any information, content, or materials on the Website are accurate, complete, reliable, current, or error-free. You acknowledge that real estate transactions involve risk and that information on the Website is not a substitute for professional advice or the documents issued in connection with an actual transaction.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL PRAXIS, ITS AFFILIATES, OR ITS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT PRAXIS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

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IN ANY EVENT, THE TOTAL CUMULATIVE LIABILITY OF PRAXIS AND ITS AFFILIATES ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE WEBSITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00). NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW. THIS SECTION 12 DOES NOT GOVERN LIABILITY UNDER A TITLE INSURANCE POLICY, CLOSING PROTECTION LETTER, ESCROW AGREEMENT, OR OTHER SEPARATE WRITTEN AGREEMENT, WHICH ARE GOVERNED BY THEIR OWN TERMS.

You agree to defend, indemnify, and hold harmless Praxis, its affiliates, and its and their respective officers, directors, members, employees, and agents (the "Indemnified Parties") from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your access to or use of the Website, (b) your violation of these Terms, (c) your violation of any third-party right, including any intellectual property or privacy right, or (d) any Submissions you provide. Praxis reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense.

14.1 Governing Law and Venue.

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These Terms and any dispute arising out of or relating to these Terms or the Website will be governed by and construed in accordance with the laws of the state applicable to the Praxis entity with which you are interacting, without regard to its conflict-of-laws principles. For transactions and Website interactions relating to Texas property or otherwise involving Praxis Title & Escrow of Texas LLC, the governing law is the law of the State of Texas and exclusive venue (subject to Section 14.2) lies in the state or federal courts located in Tarrant County, Texas. For all other transactions and Website interactions, the governing law is the law of the State of Florida and exclusive venue (subject to Section 14.2) lies in the state or federal courts located in Palm Beach County, Florida. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

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14.2 Binding Arbitration.

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PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. Except for claims described in Section 14.4, you and Praxis agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Website (each, a "Dispute") will be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") pursuant to its Consumer Arbitration Rules then in effect (the "AAA Rules"). The arbitrator, and not any federal, state, or local court or agency, will have exclusive authority to resolve any Dispute, including the scope, enforceability, or formation of this arbitration agreement. The Federal Arbitration Act governs the interpretation and enforcement of this Section 14.

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The arbitration will be conducted by a single arbitrator. The seat of arbitration will be Palm Beach County, Florida, for Disputes governed by Florida law, and Tarrant County, Texas, for Disputes governed by Texas law; however, if you are a consumer, you may elect to have the arbitration conducted in the U.S. county where you reside or by telephone or video conference. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. Each party will bear its own attorneys' fees and costs except as otherwise provided by the AAA Rules or applicable law.

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14.3 Class Action Waiver.

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YOU AND PRAXIS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both you and Praxis agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding. If this class action waiver is found to be unenforceable, then the entirety of this Section 14.2 will be null and void as to the affected claims, which will proceed in court subject to Section 14.1.

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14.4 Exceptions.

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Notwithstanding the foregoing, (a) either party may bring an individual action in small claims court for Disputes within the scope of that court's jurisdiction, (b) either party may seek injunctive or other equitable relief in court to protect its intellectual property rights, (c) claims arising under a title insurance policy, closing protection letter, or escrow agreement are governed by the dispute resolution provisions of that instrument, and (d) nothing in this Section 14 limits any right you may have under applicable law to file a complaint with, or obtain relief from, any governmental agency.

14.5 Opt-Out.

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You may opt out of this arbitration agreement by sending written notice to Praxis Title & Escrow LLC, Attn: Legal, 1801 N Military Trail, Suite 203, Boca Raton, FL 33431, or to Praxis Title & Escrow of Texas LLC, Attn: Legal, 1560 E Southlake Blvd, Suite 100, Southlake, TX 76092, or by email to info@praxistitle.com with the subject line "Arbitration Opt-Out," within thirty (30) days after you first accept these Terms. Your notice must include your name, mailing address, and a clear statement that you wish to opt out. Opting out will not affect any other provision of these Terms.

We may suspend or terminate your access to the Website at any time, with or without notice or cause, including for any violation of these Terms. Upon termination, your right to use the Website will cease immediately. Sections that by their nature should survive termination (including Sections 7, 9, 11, 12, 13, 14, and 18) will survive.

Praxis is committed to making our Website accessible to all users, including individuals with disabilities, consistent with applicable law including the Americans with Disabilities Act ("ADA") and the Web Content Accessibility Guidelines (WCAG). If you experience difficulty accessing any content or feature of our Website, please contact us at info@praxistitle.com or at the phone numbers listed in Section 19, and we will work with you to provide the information or accommodation you need.

We control and operate the Website from the United States. The Website is not intended to subject us to the laws or jurisdiction of any state, country, or territory other than that of the United States. We do not represent or warrant that the Website is appropriate or available for use in any particular jurisdiction. Those who choose to access the Website do so at their own initiative and are responsible for complying with all applicable international, federal, state, and local laws, rules, and regulations.

These Terms, together with the Privacy Policy and any separate written agreement you have with Praxis, constitute the entire agreement between you and Praxis regarding the Website and supersede any prior agreements between you and Praxis relating to the Website. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. You may not assign or transfer these Terms or your rights under them without our prior written consent; we may assign these Terms without restriction. Any notice to you may be provided by email to the address you provided or by posting on the Website. Headings are for convenience only and do not affect interpretation.

If you have questions about these Terms, please contact us at:

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Praxis Title & Escrow LLC

Attn: Legal

1801 N Military Trail, Suite 203

Boca Raton, FL 33431

Phone: 561-367-5999

Email: info@praxistitle.com

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Praxis Title & Escrow of Texas LLC

Attn: Legal

1560 E Southlake Blvd, Suite 100

Southlake, TX 76092

Phone: 972-460-6999

Email: info@praxistitle.com