Terms and conditions of use

Last updated: November 2023

Nationwide Mutual Insurance Company and its subsidiaries and affiliates, (collectively "Nationwide", “we”, “us”, “our”, or “ours”), give you the ability to do more online on Nationwide.com, the websites of our affiliates, and through our mobile applications (the “Site”). You can use the Site for online access to your personal accounts, our product information, educational content, our services, and self-help tools ("Online Activities").

When you access the Site, you are agreeing to these terms and conditions of use, plus any additional terms or conditions within the Site itself (collectively "Terms and Conditions"). The Terms and Conditions are in addition to any other agreements between you and Nationwide.

Nationwide reserves the right to modify or change the Terms and Conditions at any time without prior notice to you. Such modification or change shall be effective upon posting by Nationwide on the Site. You agree to be bound to any changes to these Terms and Conditions when you use the Site after any such change is posted.

Read all of our Terms and Conditions or jump right into a topic:

• Disclaimer of warranties
• Limitation of liabilities
• Your privacy and security on the site
• Conducting business electronically
• Claims self-service
• Intellectual property, trademarks, and copyrights
• Hyperlinks
• Using other aggregation websites
• Information about the operation of the site
• Submissions of unsolicited ideas
• Important disclosures about Nationwide products
• Read more information about this agreement
• SMS and MMS Terms and Conditions of Use
• RP SMS and MMS Terms and Conditions of Use

Disclaimer of warranties

All information and other materials present on the Site ("Content"), including (without limitation) products and services, are provided "as is." There are no warranties about the Content's nature or accuracy (either when posted or as a result of the passage of time). There also are no representations or guarantees.

Nationwide disclaims all warranties, express or implied. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy with regard to any website owned by a third party to which or from which the Site is linked ("Linked Website"). Nationwide does not endorse and is not responsible for the capabilities or reliability of any product or service obtained from a Linked Website.

The information, products, software or service descriptions published on the Site or a Linked Website may include inaccuracies or typographical errors. Nationwide disclaims liability for such errors and does not warrant or represent that the Content on the Site or a Linked Website is updated or complete. Nationwide has no obligation to update any Content on the Site and may change or improve the Site at any time without notice.

Nationwide does not endorse and is not responsible for the accuracy or reliability of any opinion, advice, or statement made through the Site by any party other than Nationwide.

Nationwide makes no representations, warranties, or guarantees that the Site will be accessible continuously and without interruption or errors.

Limitation of liabilities

Nationwide’s liabilities

In no event will Nationwide, its respective service providers, employees, agents, officers and directors be liable to you for any punitive, indirect, direct, special, incidental or consequential damages. This includes any lost profits, costs of obtaining substitute service or lost opportunity, even if you have notified Nationwide about the possibility of such damages. This also includes any claims by any third parties arising out of (or in any way related to) the access, use, or Content of the Site or a Linked Website. This applies whether such claims are brought under any theory of law or equity.

This limitation on liability includes (but is not limited to) transmission of viruses that infects a user's equipment, mechanic or electronic equipment failure, failure of communication lines, telephone or other interconnects, unauthorized access, theft, operational errors, strikes, or other labor problems, or any force majeure.

Your liabilities

Your privacy and security on the site

Personal information

Nationwide takes your privacy and online security very seriously. Our Privacy Policy explains how we collect, use and share visitor information.

Updating your personal information

You are responsible for telling Nationwide if you have changed your personal information, such as your name, telephone number, mailing address, email address or other personal information. You may update your personal information through our website(s), by calling your local agent or Nationwide at 1-877-On Your Side (1-877-669-6877).

Consent to recording activity on the site

We may record or capture your activity on the Site, including where you click and items that you view. When you access the Site, you are agreeing to these Terms and Conditions, including consenting to the recording or capturing of your activity on the Site.

Spamming and solicitation

You may not use any information obtained from the Site for spamming or solicitation.

Automated data collection

You may not collect data from the Site through automated means, such as harvesting bots, robots, crawlers, or scrapers.

Notice of applicability to children

The Site is not intended for children ages 13 and younger.

User IDs, passwords, or access codes

Some portions of the Site are restricted and require a user ID, password, or access code, for access. Unauthorized use of or access to these areas of the Site is prohibited. You are responsible for maintaining the confidentiality of your user ID, password, or any access code. You may not share your user ID, password, or any access code with other users or with third parties. Nationwide is not liable for any loss, theft, or unauthorized disclosure or use of your user ID, password, or access code if you do not properly secure your user ID, password, or access code, or if you choose to share your user ID, password, or access code with another user or third party. You will immediately notify Nationwide in the event of any loss, theft, or unauthorized disclosure or use of any user ID, password, or access code, or if you have reason to believe that your access to your account is no longer secure for any reason.

Conducting business electronically

Through your use of the Site for Online Activities, you agree to conduct business and certain transactions with Nationwide electronically, including receiving information or documents through available electronic delivery methods. You agree that electronically delivered information or documents satisfy any legal requirement that such communications be in writing.

In order to conduct some Online Activities, you may be given the option to use electronic signatures in lieu of using your “wet” or traditional written signature. Electronic signatures may be provided in various forms on the Site, including but not limited to clicking or checking a box. You agree that your electronic signature shall have the same force and effect as if you had signed your name to a paper document.

If you do not want to conduct business electronically, you may discontinue your Online Activities at any time. In addition to these Terms and Conditions, Nationwide’s Electronic Services and Document Delivery Agreement will govern Online Activities and applicable electronic transactions.

Claims Self-service terms and conditions

Trademark, copyright, and other intellectual property

Intellectual property

Intellectual property is protected by copyrights, trademarks, patents, international treaties, or other proprietary rights and laws of the United States and other applicable countries. You agree to abide by, and adhere to, all applicable proprietary rights and laws, as well as any additional trademark or copyright notices or restrictions contained in these Terms and Conditions. These Terms and Conditions grant you no right, title, or interest in Nationwide's intellectual property and create no relationship between you and Nationwide. You may address all inquiries concerning use of Nationwide's intellectual property to: Nationwide - Office of the Chief Legal Officer, Intellectual Property Legal Team, One Nationwide Plaza, Columbus, OH 43215-2220 (email address: trademark@nationwide.com).

Trademark

Nationwide, the Nationwide N & Eagle logo, On Your Side, and other names, graphics, slogans, logos, sounds, trade dress, and other source identifiers ("Marks") displayed on the Site are the property of Nationwide. Nationwide’s Marks may not be used in connection with any product or service that is not Nationwide's: in any manner that is likely to cause confusion among consumers: or in any manner that disparages or discredits Nationwide, or suggests a sponsorship, affiliation, or endorsement by Nationwide unless first approved in writing.

Copyright

All Content included in or made available through the Site, such as, text, graphics, logos, sound recordings, data compilations, software and images, are exclusive property (except as otherwise expressly stated) of Nationwide and protected by U.S. and international copyright laws.

You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any Content available on or through the Site for commercial or public purposes, without the prior written permission of Nationwide.

Designated agent (Digital Millennium Copyright Act)

Nationwide respects the intellectual property of others. If you believe that your work is protected by a United States copyright and has been copied in a way that infringes upon your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent, with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed
• Identification of the copyrighted work claimed to have been infringed, including a URL (if applicable). If multiple copyrighted works at a single online site are covered by a single notification, please provide a representative list of such works on that site.
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed (or access to which is to be disabled). Please provide information reasonably sufficient to permit the service provider to locate the material.
• Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number and email address
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law
• A statement that the information in the notification is accurate (under penalty of perjury) and that you are authorized to act on behalf of the owner of an exclusive right that’s allegedly infringed

Please direct copyright infringement notifications to:

You acknowledge that if you fail to comply with all of these requirements, your DMCA notice may not be valid.

If you believe that your content that was removed, or to which access was disabled, from the Site is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the material in your content, you may send a counter-notice containing the following information to the Copyright Agent:

• Your physical or electronic signature
• Identification of the content that has been removed (or to which access has been disabled) and the location where the content appeared before it was removed or disabled
• A statement that you have a good faith belief that the content was removed or disabled as a result of a mistake or a misidentification of the content
• Your name, address, telephone number and email address
• A statement that you consent to the jurisdiction of the federal court in Columbus, Ohio
• A statement that you will accept service of process from the person who provided notification of the alleged infringement

If a counter-notice is received by the Copyright Agent, Nationwide may send a copy of the counter-notice to the original complaining party informing them that we may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member, or user, the removed content may be replaced (or access to it restored) in 10 to 14 business days. Replacing or restoring content is at Nationwide’s sole discretion and could take longer than 14 business days.

License and reproduction

Original materials of Nationwide posted on the Site are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable, non-sublicensable and revocable right to access, and make personal and non-commercial use. You are also granted a limited and revocable license to print copies of the Content, but solely for your personal, non-commercial use. Except as expressly provided above, all rights are reserved. Any commercial or public use of the Site or any of its Content is strictly prohibited without written permission from Nationwide.

Except as expressly provided above, no portion of the Site, its Contents, or any copyright, trademark,  service mark, trade name, or any other proprietary information of Nationwide (collectively, the "Intellectual Property") displayed on the Site or on any of the Content may be reproduced, altered, removed, transmitted, published, or distributed (whether electronically, mechanically, by photocopy, recording, or otherwise), without prior written permission from Nationwide. Use of any Nationwide trademarks as metatags on any third-party website is strictly prohibited. You may not co-brand the Site or display the Site in frames (or any of the Content through inline links) without prior written permission from Nationwide. "Co-brand" means your display of any of the Intellectual Property (or your taking of other means of attribution or identification of Nationwide) in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish, or distribute the Site or any of its Content. You agree to cooperate with Nationwide in causing any unauthorized co-branding, framing, or linking to immediately cease.

Hyperlinks

From time to time, Nationwide may authorize Linked Websites to or from the Site. Linked Websites are controlled and operated by third parties, not by Nationwide. Nationwide makes no representations, and disclaims all liability, as to the content or material available at those locations, the accuracy of information, and the quality of products or services provided or advertised on Linked Websites. The fact that Nationwide authorizes Linked Websites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Websites or their owners, sponsors, or providers.

Using other aggregation websites

Other companies may offer aggregation websites and services that allow you to consolidate your financial account information from all of the financial institutions you do business with so that you can view all your account information at one online location. To do this, an aggregation provider may request access to your financial information, usernames, and passwords. Before you provide them with this information, you should use caution and ensure that the aggregator company has appropriate privacy and security practices in place to protect the information you provide, or to which they are gaining access.

We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your Site username and password. If you provide your Site username, password, or other information about your accounts with us to an aggregation website, we will consider you to have authorized all transactions or actions initiated by an aggregation website, whether you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website can no longer access your account.

Information about the operation of the site

Submissions of unsolicited ideas

Nationwide values your feedback. However, Nationwide does not accept, review, or consider any unsolicited ideas, materials, proposals, suggestions, or other creative concepts or content, including for advertising campaigns, names, marketing strategies, new, modified, or different products, services, or technologies (collectively “Submission”) through the Site. Please do not send or provide any Submission in any form to Nationwide or any of its employees or contractors. Nationwide makes this request to avoid misunderstandings or disputes regarding the origin of any Nationwide advertising, promotion, concept, product, service, or technologies that might seem similar to a Submission provided to Nationwide.

If, despite our request that you not send us your Submission, you still submit them, then regardless of what your correspondence says, such Submission, along with related intellectual property rights will automatically become the property of Nationwide without any compensation to you. Nationwide is under no obligation to review the Submission. None of the Submission shall be subject to any obligation of confidence on the part of Nationwide. Also, Nationwide shall not be liable for any use or disclosure of any Submission and may use or redistribute the Submission for any purpose and in any way on an unrestricted basis.

Visitor submissions

All communications initiated by you (also defined herein as a "Visitor") and made to or through portions of the Site that permit uploading of questions, comments, or other material are hereby considered "Visitor Submissions."

If you submit material intended for display where technically permitted within the Site, you agree to abide by the terms set forth herein. Visitor Submissions will not contain any content that is illegal, indecent, profane (either directly or indirectly through partially-obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to Nationwide's Privacy Policy, or otherwise injurious to Nationwide or third parties. Visitor Submissions also should not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by Nationwide), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you are the individual identified by the address. If you wish to submit materials to the Site, you are prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark, or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary, or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale. You may not submit materials that are (or purport to be) the personally identifiable information about others, such as full name, postal address, email address, telephone number, or any other personal attribute which would constitute harassment or an invasion of privacy.

Visitor Submissions become the property of Nationwide. You grant Nationwide a non-exclusive, royalty-free, perpetual, irrevocable, fully-transferable, sub-licensable, and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as necessary, and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you are also hereby granting to Nationwide the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission.

Visitor Submissions used, displayed, or propagated by Nationwide or others licensed by Nationwide to use Visitor Submissions may be attributed to you unless you have expressly requested anonymity. Nationwide reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to Nationwide's sole discretion and judgment. Nationwide otherwise reserves the right to remove Visitor Submissions from the Site pursuant to its discretion and judgment, but maintains no obligation to do so.

Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Submissions in any manner or in any media, including the re-submission or republishing of any Visitor Submission on any other site not affiliated with Nationwide.

Important disclosures about Nationwide products

(Please note: All products not offered by all companies in all states.)

Property and casualty insurance products

Products, coverages, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only. They do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state. Exclusions may apply.

Products underwritten by: Nationwide Mutual Insurance Company and Affiliated Companies, including (without limitation):

• • Harleysville Group, Inc., Colonial County Mutual Insurance Company (in Texas), and Nationwide Property & Casualty Companies. Home Office: Columbus, OH 43215.
• Nationwide Pet Insurance is underwritten by Veterinary Pet Insurance Co. (Calif.) and National Casualty Co. (states outside Calif.) Both are Nationwide-affiliated companies. Home Office: Brea, Calif. and Madison, Wisc., respectively.
• Allied Insurance underwritten by AMCO Insurance Company, Allied Property and Casualty Company, Depositors Insurance Company, and Nationwide Insurance Company of America. Home Office: Des Moines, IA 50391-1100.

Subject to underwriting guidelines, review, and approval. Products and discounts are not offered by all companies. Not all products and discounts are available to all persons in all states.

Variable insurance products

Investing involves market risk, which may include the loss of your principal investment. There is no guarantee that your investment objectives will be achieved.

Variable products are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To obtain a copy, call 1-800-848-6331 or visit nationwide.com/prospectus.

Prospectuses for Jefferson National Life Insurance Company and Jefferson National Life Insurance Company of New York may be obtained by calling 866-667-0561 or by visiting nationwideadvisory.com.

Securities products mentioned on this Site

No security or insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of the jurisdiction. Some products, product features, or underlying investment options may not be available in all states.

Mutual funds

Nationwide Funds are sold only to persons residing in the United States and are offered by prospectus only. Investing in mutual funds involves risk, including possible loss of principal.

Investors should carefully consider a mutual fund’s investment objectives, risks, fees, charges, and expenses, and read its prospectus carefully before investing. Nationwide Mutual Funds and Nationwide Variable Insurance Trust are distributed by Nationwide Fund Distributors LLC, member FINRA. One Nationwide Plaza, Mail Code 5-02-210R, Columbus, OH 43215. For information on Nationwide Funds, please call 1-800-848-0920 and request a prospectus or visit the Nationwide Funds prospectus page.

Tax advice disclaimer

The information contained herein was prepared to promote and support the marketing of the products and services of Nationwide. It is not intended to constitute tax advice. It is not written or intended to be relied upon for the purpose of avoiding tax penalties that may be imposed on a taxpayer, and cannot be used by any taxpayer for that purpose. Nationwide, its affiliates, employees, and representatives do not provide tax or legal advice. You should seek advice on matters related to taxes specific to your situation from your own independent tax advisor.

No offer

Information on the Site is not a solicitation, offer, recommendation, invitation, or inducement to buy or sell any investment or financial product, adopt an investment strategy or to enter into or conclude any transaction. Investors should discuss their specific situation with their financial professional.

Private equity investment

Investment in private equity can be risky and illiquid. The values of investments and income from them can fluctuate and sums invested can be lost. It can be difficult to assess or obtain reliable information on investments and their value. Information about current values or past performance is no indicator of future values or performance.

COMPANY INFORMATION

The term ”Nationwide Mutual Insurance Company” as used in these Terms and Conditions is applicable to the licensed Companies provided in this document.

Each underwriting company of the Nationwide Mutual Insurance Company is financially responsible for its own insurance products. Additional Nationwide subsidiaries and affiliates not listed above may be hyperlinked to this website and contain separate Terms & Conditions for Use and separate Privacy Statements applicable to those websites, which can be reviewed on the subsidiary or affiliate specific website.

Read more information about this agreement

Entire agreement

Except to the extent otherwise set forth in these Terms and Conditions, these Terms and Conditions set forth the entire understanding between Nationwide and you with respect to your access to (and use of) the Site and its Content. These Terms and Conditions replace all prior or simultaneous understandings about access and use.

Severability

If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of these Terms and Conditions will remain in effect.

Waiver

Failure by Nationwide, in any instance, to exercise any of its rights under the Terms and Conditions will not constitute waiver of such right or any other rights under the Terms and Conditions.