1. Nature of This Service
St. Cloud Residents Directory is a privately run reference. It describes and links to public indexes, record routes, and directory collections relating to St. Cloud and Minnesota. It does not host government files and is not affiliated with a custodian, office, or court.
2. Permitted Use
Use the service only for lawful purposes. You may not use it, or material reached through it, to:
- Stalk, harass, intimidate, threaten, or harm any person
- Locate someone protected by a restraining or protective order
- Commit identity theft or fraud
- Make FCRA-regulated decisions (credit, employment, tenant, insurance)
- Scrape, copy, or republish the site's content at scale
- Interfere with the site's operation or security
3. FCRA Notice
St. Cloud Residents Directory is not a consumer reporting agency under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. Neither material here nor results from a linked tool are consumer reports, and neither may be used to decide eligibility for credit, employment, housing, insurance, or any other FCRA-covered purpose.
4. Outside Resources
Government portals and third-party services, including sponsored search tools, operate under their own terms and policies. Their content, availability, pricing, and data practices are outside our control.
5. No Guarantees
The service is offered "as is" and "as available" without warranties. We do not promise that a page is complete, accurate, or current, or that a linked portal will operate or return a correct result.
6. Liability Limits
To the fullest extent allowed by law, we are not liable for direct, indirect, incidental, consequential, or special damages arising from use of this service or a linked resource, including decisions based on information reached through it.
7. Indemnification
You agree to indemnify and hold harmless the service operators against a claim or demand, including reasonable attorneys’ fees, arising from misuse of the service or a violation of these terms.
8. Intellectual Property
The service’s original text, design, logo, and layout are protected by copyright. You may link to a page and quote a short attributed excerpt, but may not republish complete pages or systematically copy the content.
9. Changes to Terms
We may revise these terms by posting an updated version here. Continued use following a change is acceptance.
10. Access Restrictions
We may block or limit access, without notice and at our discretion, for a user who violates these terms or abuses the service.
11. Governing Law
Minnesota law governs these terms without regard to conflict-of-law principles. Public-records access in Minnesota is also governed by the Minnesota Government Data Practices Act, Minnesota Statutes chapter 13, alongside the statutes that classify particular records.
12. Severability
If a provision of these terms is unenforceable, the remaining provisions continue in effect.
13. Questions
Questions about these terms may be sent through the Contact page.