Consumer Privacy Policy

We collect information about you when you apply for our products or services. Some examples include:

• Name, address, date of birth, and Social Security number;
• Telephone number;
• Assets, income, and occupation;
• Property address and value;
• Account and policy information;
• Account login credentials;
• Driver's license number;
• Financial information;
• Credit reports and other consumer report information;
• Audio, electronic, photo, visual, or similar Information, such as call and video recordings;  
• Information from applications and transactions;
• Any information you provide us; and
• Public information.

We may collect personal information about you, another insured on your policy, or a beneficiary when you or they apply for a policy or service.

If you apply for a product or service, we may collect information from your consumer reports, such as your credit report or motor vehicle report. We also may collect an insurance score, which uses information from your credit report to help predict your future claims. Typical items that could affect an insurance score include payment history, number of revolving, new and collection accounts, bankruptcies, and foreclosures.

You may request the credit report source. Each Nationwide company has different contact information and instructions for requesting this information, so you will want to review the specific Nationwide Insurance and Financial Product Privacy Notice that applies.

We may also need to collect your medical information from a medical provider, such as for claims, life insurance underwriting, or as otherwise required.

We may collect information about you from third parties. For example, we may:

• Collect change of address information from third parties to correct contact information;
• Collect your social media handle, message, or related information from a social media network when you interact with us using those networks;
• Collect credit reports from credit reporting agencies when you apply for a financial product or service;
• Collect audio, electronic, photo, visual, or similar Information, such as photos or video recordings;
• Collect telematics information from your car manufacturer, mobile app, telematics device, telematics data aggregator, or smart home device, sensor, or alarm when you sign up for a usage- based insurance program that relies on such telematics information;
• Collect device information from your smart home device manufacturer when you access or use our services with a smart speaker or other smart home device;
• Collect device identification information about your mobile phone or tablet from your device manufacturer or the app store connected to your device when you install or use our apps on your devices.

We may receive information about you from other sources, including publicly-available databases or third parties for purposes of providing, maintaining, improving insurance and financial products and services. We may combine this data with information we already have about you, for example, in order to update our records.

We may collect information automatically using online technologies, such as cookies, logs, web beacons, tags, scripts, local storage, and others, when you use our websites or apps, send us an email, or interact with our emails or advertisements. We may use these technologies for providing our products or services, security, authentication, analytics, product or service improvement, advertising, fraud detection, or similar purposes for our websites or apps.

We may automatically collect from you information including internet protocol addresses, browser information and language, mobile device identifiers, internet service provider, referring and exit pages, operating system, session ID, date and time stamp, geolocation or other location information, and click or touch stream data, movement, scroll, and in some cases, keystroke activity.

We may use local storage, such as HTML5 or Flash cookies, or similar technologies to store content information or preferences or display advertising.

We use this information to:

• Conduct website or mobile app analysis,
• Recognize your browser or device.
• Remember your preferences and interactions,
• Collect information about our website or app usage and email responses,
• Log activity on our websites or apps, and
• Market products or services to you.

You may choose to allow or disable cookies which are not required for our sites via the Cookie Preference Manager, which may be accessed through the banner when first visiting our websites. To set or modify your preferences on subsequent visits or at any time, the Cookie Preference Manager may be accessed via the “Do Not Sell or Share My Personal Information” link in the footer of our websites. To effectively manage cookies via this tool, you must set cookie preferences on all web browsers that you use. If you clear the cookies on your web browser(s) or device(s), you may need to set your cookie preferences again. When using our mobile applications, you may set or alter your cookie preferences at any time in the Preferences – Privacy section of your Profile within the mobile application.

You can also opt out of the collection of your personal information via cookies by enabling a Global Privacy Control (“GPC”) signal, which may be accessed by installing a supported web browser or browser extension. Please refer to the help section of your browser or visit the official Global Privacy Control website for more information.

Our websites or apps may use Google Analytics and Google Tag Manager, which are web analytics services provided by Google LLC. These services use cookies to analyze your use of our websites or apps. The information collected by these cookies about your use of our websites or apps is transmitted to and stored on Google servers. Google uses this information to assess your use of our websites or apps and provides reports on data. This data may include how often you visit our websites or apps, what pages you view when you visit the websites or apps, and what other websites you have visited prior to visiting our websites or apps. Google may transfer this information to third parties, if required by law or if third parties process the information on behalf of Google.

You may review Google’s data privacy practices for Google Analytics and data privacy practices for Google Tag Manager. You may also review Google’s Privacy Policy and Terms of Service for more information. To opt out of being tracked by Google Analytics, you may download and install the Google Analytics Opt-out Browser Add-on. You may also set your preferences in the Cookie Preference Manager on our websites as outlined above in Section 5 of this Policy.

We may use Google reCAPTCHA on our websites or apps, which checks whether our websites or apps are being used by humans or bots. reCAPTCHA analyzes website visitor behavior based on various characteristics, including mouse movements, visit duration, IP address, and other information.

We work with advertising companies to show you online advertising for our products or services based on your interests. These ads may be based on your interests or activities on our websites or other websites. Nationwide may use online technologies, such as third-party cookies, beacons, tags, or scripts, to collect information about you. We share this information with our service providers to manage our online advertising. This allows us to render relevant Nationwide ads to you. This is referred to as online interest- based advertising.

Our third-party partners may also use online technologies for website or app analysis and to manage the effectiveness of our ads placed on other websites or apps. You should also review the privacy practices of those third parties.

You may read more about online interest-based advertising by visiting this Federal Trade Commission website. You can opt out of online interest-based advertising using the Cookie Preference Manager found in the banner on Nationwide’s websites. This Cookie Preference Manager may be accessed anytime to update your selections via the “Do Not Sell or Share My Personal Information” link on our sites. When using our mobile applications, you may set or alter your preferences at any time in the Preferences – Privacy section of your Profile within the mobile application. You can also opt out of online interest-based advertising on your mobile device by using “Limit Ad Tracking,” “Opt out of Ads Personalization,” or similar feature. Please note that you may continue to see generic or non-targeted ads from these companies after you opt-out. Nationwide websites or apps do not respond to “Do Not Track” requests.

We may have links to other companies or organizations on our websites or apps. We may also include social media widgets, such as “Share This” buttons and links to third-party websites, like Facebook and Twitter. These companies and features may collect your information and use cookies or similar technologies to enable these features to function properly. We are not responsible for how these third parties collect, use, disclose, secure, or otherwise process the information that you provide to them. Please read their privacy policies so you can learn how their websites or apps use your information.

We offer various usage-based insurance programs that collect different information from you, including SmartRide®,  SmartMiles® and Smart Home. We also offer rewards programs including Nationwide Focused Driving Rewards®.

SmartRide® is a telematics discount program that provides you with personalized feedback to help you make safe driving decisions, while allowing you to earn discounts on your insurance premium. SmartMiles® is a telematics, usage-based, pay-per-mile insurance program. Focused Driving Rewards® is a program that offers rewards for driving focused. Focused Driving Rewards does not require an insurance policy to participate. If you participate in these programs, we will gather information using a telematics device that you plug into your car, our smart phone app that you download, data aggregators or other technology capable of recording and transmitting the necessary data. As part of these programs, we may collect information about your vehicle, such as driving speed, trip information, or geolocation.¹ If you use the mobile app, we may collect information about your mobile device as well. We may continue to collect this information until you change the permissions relating to its collection. In order to stop the collection of this information, you may delete or change the privacy permissions for your mobile app, remove the telematics device from operation and/or turn off data sharing. Please note that turning off or disabling telematics features will affect the services and functionality available to you. Depending on your particular program, we may also cancel your product, service, or insurance coverage as a result of these actions.

Smart Home is a program offering protection systems that monitor the safety, security, and loss prevention status of your residence through a mobile device. The program includes a discount on your insurance premium for sharing the data from the activated system. If you participate in the smart home program, we may collect information from and about your smart home device, sensor, or alarm when you sign up for a usage-based insurance program that relies on such telematics information. Depending on the particular program, this may include types, number, make, model, installation date, status, location, and operating condition of sensors, alarms, cameras, or other devices connected to your smart home system. In some cases, this may also include information sent from these sensors, alarms, or other devices. You may access your personal information or manage the permissions relating to such devices using the privacy settings provided by the manufacturer or service provider for these devices.

For additional information, please review the Terms and Conditions of Use within the web portal or mobile app for SmartRide®, SmartMiles®, or Smart Home.

¹ Nationwide does not collect geolocation data in connection with its SmartRide and SmartMiles programs from insurance policyholders in California. Nationwide’s use of telematics data collected in connection with its SmartRide and SmartMiles programs is limited to determining actual miles driven from insurance policyholders in California.

We may record or monitor our conversations with you if you call our customer service centers or interact with one of Nationwide’s conversational assistants (“Chatbots”). We may use these recordings for training, quality assurance, fraud prevention, and other business purposes. We may use your voiceprint for verification or anti-fraud purposes when you call our call centers.

We may record or capture your activity on our websites, including where you click and items that you view. We may use these recordings or captured information for security, fraud prevention, marketing and analytics purposes.

We generally use your information to provide you with our products or services, to develop or improve our products or services, to communicate with you, to provide you with customer service, to market or advertise our products or services to you, for legal or compliance purposes, or as required or permitted by applicable law. We may use your personal information to comply with our legal obligations, resolve disputes, enforce our agreements or our rights or the rights of third parties, or to comply with government or law enforcement investigations, litigation, discovery, regulatory requirements, corporate investigations, dispute resolution, or others. Please note that additional uses of your personal information may be provided to you at the point of collection, such as by using screen prompts or additional notices.

We generally retain our records that contain your personal information for the time period necessary to fulfill the purpose for which it was collected, in accordance with our records retention schedule. We retain your personal information while your account is active or as needed to provide you services, such as quoting, re-quoting and account management. We also retain your personal information as required or permitted by law, to comply with our legal obligations, resolve disputes, and enforce our agreements.

Nationwide may share your personal information as described in our privacy policies. We do not sell your personal information for monetary consideration.

When you buy an insurance or financial product or service, we may share your information with Nationwide affiliated companies or our service providers to service your product or service, to conduct research and analytics, to develop our websites or apps, and to conduct surveys. When we share your information with our service providers, they are under contractual obligation to only use your information to provide the services under their agreement with Nationwide. They may track and keep aggregated visitor information. We may also share your information with your agent, financial advisor, investment professional, investment company, broker-dealer, or transfer agent affiliates. They may use your information to manage your policy or account.

We also share and disclose your information for everyday business and servicing purposes, and as permitted by law. You may not opt out of this type of sharing because it is necessary for us to provide you with our products or services. Some examples include:

• Mailing your statements or processing transactions that you request;
• As required by law, such as responding to a subpoena or governmental requests;
• When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a government request; and
• Disclosing your information in connection with the sale or purchase of a business.

You may read the specific Insurance and Financial Product Privacy Notice that applies to your financial product or service for more information.

We may share your personal information in a corporate transaction, such as mergers, acquisitions, or divestitures. However, your personal information remains subject to this privacy policy or any applicable Insurance and Financial Product Privacy Notices. You may be notified by email or a prominent notice on our websites or apps of any change in ownership, uses of your personal information, or choices you may have regarding your personal information.

We may share your information for marketing purposes as further described in our Insurance and Financial Product Privacy Notices.

Nationwide sells insurance, investment, and banking products through many different sales channels, such as agents, the internet, or over the phone. Examples of our sales channels include:

• Insurance agents who sell products or services from Nationwide;
• An independent broker-dealer who sells Nationwide annuities;
• Your bank, or another affinity group that you belong to, who might offer Nationwide products; and
• Your employer who may offer a Nationwide retirement plan.

Different products may have different privacy statements that explain how we use your information, including how we share it for marketing purposes. You may find those privacy statements in the Insurance and Financial Product Privacy Notices section of our privacy hub. Depending on your state of residence, you may have certain rights related to your personal information, as indicated in the applicable State Specific Supplemental Privacy Policy.

Where we notify you that we share your personal information under our Insurance and Financial Product Privacy Notices, you may ask us not to share your information with other Nationwide companies or our business partners to market new products to you. Please remember, we offer many different types of products and services. You may not want to opt out if you would like to learn about these products directly from one of our companies. Please call us toll free at 1-866-280-1809 to opt out of this sharing. You may opt out at any time, and we will respond within a reasonable time frame.

If you would like to discontinue receiving marketing emails from Nationwide, you may do so by following the opt out instructions found in emails we send to you.

If you don't want your registered representative to take your information to a new broker-dealer, please call us toll free at 1-877-233-3370.

You may access your personal information relating to insurance or financial products. Each of our companies has different contact information and instructions for requesting this information. We have included links to these products and companies in our Insurance and Financial Product Privacy Notices. We will respond to your request within a reasonable time frame. To correct information, you may log in to your online account and make the updates, or you may call us or contact your agent to correct the information. Depending on your state of residence, you may have certain rights related to your personal information, as indicated in the applicable State Specific Supplemental Privacy Policy.

If we received information about you from an institutional source, such as a consumer reporting agency or other financial institution, you’ll have to contact them directly. You'll want to review the specific privacy notice for the product that is provided you in the websites or apps for additional instructions.

We use reasonable physical and technical safeguards to protect your personal information, both during transmission and storage. When you enter sensitive information on our forms, we encrypt the transmission of that information. No method of transmission over the internet, including by email, or method of electronic storage is 100% secure. So, we cannot guarantee its absolute security.

We limit access to your personal information to those who need it to do their jobs. We maintain physical, electronic, and procedural safeguards that comply with applicable laws to guard your personal information. We require our service providers to use your personal information only for the purposes we outline in our privacy policies and notices.

Our websites or apps are not intended for children ages 13 and younger. We do not knowingly collect personal information from such children. If you have questions or concerns regarding the collection of personal information relating to children, you may contact us using the information found in the “You Can Contact Us” section below.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

We may update this privacy policy from time to time. If we make material changes to our privacy policy, we’ll post the changes on this website or app (or a website or app that replaces them) and notify you, prior to the change becoming effective, either by posting a notice on this website or app (or a website or app that replaces them), or via your account or email. We encourage you to review our privacy hub for the latest information on our privacy practices.

If you have any questions or concerns regarding this privacy policy, you may contact us at privacy@nationwide.com or at:

Nationwide Headquarters
One Nationwide Plaza
1-35-408
Columbus, OH 43215-2220
1-888-999-2018

Over the last 12 months, Nationwide may have collected your personal information, including sensitive personal information, from the following categories of sources:

1. We may collect identifiers from you directly, your agent, publicly available databases, data aggregators, advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers and other third parties from whom we have purchased data.
2. We may collect protected classification information from you directly, medical providers, or our vendors.
3. We may collect commercial information from you directly or from your use of our websites or mobile apps, from your agent, from credit reporting companies, and from consumer reporting companies.
4. We may collect internet, browsing, or other network activity from your use of our websites, mobile apps, or telematics devices.
5. We collect telematics data (excluding geolocation data) from your use of telematics devices.
6. We may collect sensory data, such as such as audio recordings of your calls to our call centers.
7. We may collect professional or employment information from job applications, resumes, or recruiters.
8. We may collect education information from job applications, transcripts, resumes, or recruiters.
9. We may collect inferences from recordings of your audio or video calls to our call centers, information provided by credit or consumer reporting companies if you have applied for a financial product or service, or your use of our websites, telematics devices, or mobile apps.
10. We may collect financial account information from you directly.
11. We may collect geolocation from you directly or from your use of our websites or mobile apps.
12. We may collect health information from you directly, medical providers, or our vendors.

Over the last 12 months, Nationwide may have collected and used  your personal information, including sensitive personal information, for our business or commercial purposes.

For all categories of personal information, including sensitive personal information, listed in this policy, our business or commercial purposes include:

1. Auditing;
2. Ensuring the security and integrity of information (such as detecting security incidents and protecting against and prosecuting malicious, deceptive, or illegal activity like fraud);
3. Debugging;
4. Short-term, transient use of personal information;
5. Performing services on behalf of Nationwide, another business, or a service provider (such as maintaining or servicing accounts or providing customer service);
6. Undertaking internal research; and
7. Verifying or maintaining the quality or safety of a service or device or improving a service or device.

We also use all categories of personal information, including sensitive personal information, listed in this policy to comply with our legal obligations, including to comply with law enforcement or government authority requests, participate in judicial proceedings, and investigate fraudulent activity, resolve disputes, enforce our agreements, provide you with our products or services you have purchased, for everyday servicing purposes, and as otherwise described to you at the point of collection.

For specific categories of personal information, including sensitive personal information, our business or commercial purposes include:

1. Identifiers are used to respond to questions, requests, social media messages, and emails, track insurance applications, provide customer service, market, and provide products and services to you, set up, manage and service policies and accounts, conduct website or other surveys, verify your identity, and update our records.
2. Protected classifications (medical conditions or military or veteran status) are used to provide products and services to you, and protected classifications (race or ethnic origin) are used to conduct market research or product research to assist in our ability to serve diverse communities.
3. Commercial information is used to offer our telematics or usage-based insurance programs to you, market our products or services to you, and help predict your future claims.
4. Internet, browsing, or other network activity is used to conduct website and mobile app analysis, conduct research and analytics, develop and improve our websites and mobile apps, market and provide products or services to you, manage our online advertising and its effectiveness, remember your preferences and interactions, respond to questions and emails, manage and service policies and accounts, conduct website and other surveys, fraud prevention, and offer our telematics or usage-based insurance programs to you.
5. Telematics data (excluding geolocation data) are used to offer our telematics discount or usage- based pay-per-mile insurance programs, and the telematics data collected in connection with these programs are only used for determining actual miles driven.
6. Sensory data, such as audio recordings of your calls to our call centers, are used to improve customer service, or for authentication or fraud investigation purposes.
7. Professional or employment information is used to process job applications and to provide offers or denials of employment.
8. Education information is used to process and evaluate your job application and related materials.
9. Inferences are used to market our products or services to you, improve our products and services, and help predict your future claims.
10. Financial account information is used to provide products and services to you, set up, manage, and service policies and accounts, and update our records.
11. Geolocation data are used to conduct website and mobile app analysis, develop, and improve our websites and mobile apps, secure our websites and mobile apps, and provide products or services to you, such as our telematics or usage-based insurance programs.
12. Health information is used to underwrite our products.

Over the last 12 months, Nationwide may have disclosed your personal information to the following categories of third parties for the business or commercial purposes listed above and for the following reasons:

1. Identifiers may be disclosed to vendors that provide us with customer service, account setup, account management and servicing, and data verification services.
2. Protected classifications may be disclosed to vendors that assist us in providing products and services to you.
3. Commercial information may be disclosed to vendors, advertising networks, or data analytics providers that help us offer our telematics or usage-based insurance programs to you, help market our products or services to you, and help predict your future claims.
4. Internet, browsing, or other network information may be disclosed to vendors, advertising networks, internet service providers, data analytic providers, or social networks that help us with conducting website and mobile app analysis, conducting research and analytics, developing our websites and mobile apps, collecting information about our website and mobile app usage and email responses, marketing and providing products or services to you, managing our online advertising and its effectiveness, responding to questions and emails, managing and servicing policies and accounts, and helping to offer our telematics or usage- based insurance programs to you.
5. Telematics data (excluding geolocation data) may be disclosed to vendors or data analytics providers that assist us in providing our telematics discount or usage-based pay-per-mile insurance programs.
6. Sensory data, such as audio recordings of your calls to our call centers, may be disclosed to vendors that provide us with services to improve customer service or for authentication or fraud investigation purposes.
7. Professional or employment information may be disclosed to vendors that assist us with processing job applications or providing offers or denials of employment.
8. Education information may be disclosed to vendors that provide us with human resources, job application, or recruitment services.
9. Inferences may be disclosed to vendors that provide us with services to market our products or services to you and help predict your future claims.
10. Financial account information may be disclosed to vendors that help us provide our products or services to you.
11. Geolocation data may be disclosed to vendors, advertising networks, internet service providers, data analytic providers, or social networks that help us with conducting website and mobile app analysis, developing our websites, mobile apps, or insurance programs, and marketing our products or services to you.
12. Health information may be disclosed to vendors that help us provide our products or services to you or business partners that help us provide our products or services to you.

Nationwide may also disclose all categories of personal information as part of corporate transactions, such as mergers, acquisitions, or divestitures, as well as with our affiliates and subsidiaries. We may be required to disclose all categories of personal information with law enforcement, regulatory agencies, or litigants based on legally enforceable requests for this information.

Nationwide does not knowingly “sell” or “share” (as these terms are defined by the CCPA) the personal information of consumers under 16 years of age.

The CCPA grants you the privacy rights described in this section, subject to certain limitations and exceptions. Your CCPA rights do not apply to personal information protected by other laws, such as the Fair Credit Reporting Act (“FCRA”), the Gramm Leach Bliley Act (“GLBA”), the Health Insurance Portability and Accountability Act (“HIPAA”), and the Health Information Technology for Economic and Clinical Health Act (“HITECH Act”).

• Right to Notice. The right to know how we collect, use, disclose, sell, or share your personal information. This policy is intended to satisfy that right.
• Right to Access. The right to know and access what personal information we have collected about you, including the categories of personal information, the categories of sources from which your personal information is collected, the business or commercial purpose for collecting, selling, or sharing your personal information, the categories of third parties to whom we disclose your personal information, and the specific pieces of personal information that we have collected about you.
• Right to Delete. The right to delete personal information that we have collected from you, subject to certain exceptions.
• Right to Correct. The right to correct inaccurate personal information that we maintain about you.
• Right to Opt Out. The right to opt-out of the sale or sharing of your personal information by us if we sell or share personal information.
• Right to Limit. The right to limit the use or disclosure of your personal information by us to purposes permitted by the CCPA, if we use or disclose sensitive personal information.
• Right to Non-Discrimination. The right not to be discriminated against for exercising any of the privacy rights in this section. We do not use the fact that you have exercised or requested to exercise any CCPA right for any purpose other than facilitating a response to your request.

You or your authorized agent may submit a California privacy rights request using one of the designated methods outlined below. When submitting your request, you must provide us with certain information so that we may locate your personal information in our systems and distinguish it from the personal information of others—for example, individuals who may have similar names or addresses to you. You may need to provide us with your name, email address, address, phone number, driver’s license number, Social Security number, or account information, depending on the information you would like to access.

Once we receive your request, we will acknowledge receipt within 10 business days and provide additional information about our verification process and the processing of your request. We will try to process your request within 45 days of receiving it. If we need more time (up to an additional 45 days), we will notify you of our need for additional time and explain the reason why we need more time prior to the end of the initial 45-day period.

We do not generally charge a fee to fulfill any of your requests under CCPA; however, we may charge a reasonable fee or refuse to act on requests that are manifestly unfounded or excessive, including repetitive requests. If we refuse to act on a request, we will notify you of the reason.

You may submit a privacy rights request using our Privacy Request Webform or by calling 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays).

Before we fulfill any requests submitted by you, we are required to verify that you are the person that is the subject of the request. Our verification process consists of you answering a series of questions correctly to verify your identity. If you experience technical errors with or are unwilling to verify your identity through our verification process, please contact us at 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays) or consumerprivacy@nationwide.com, and we will send to you a notary form that you must sign, notarize, and return to us by mail to the following address:

Consumer Privacy
P.O. Box 182189
Columbus, Ohio 43218-2189

Nationwide will reimburse you for any reasonable notarization fees. Failure to verify your identity may result in the rejection of your request.

You may authorize an agent to submit a privacy request on your behalf. Please note, requests submitted by authorized agent also require verification of your identity before processing. Your authorized agent will need to complete the identity verification process explained in the preceding section. Nationwide may reject a request from an agent that fails to complete the identity verification process. Your authorized agent, on your behalf, may submit a request to access using the Authorized Agent Webform or by calling 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays).

This paragraph contains instructions for all third-party vendors providing services to and third-party business partners of Nationwide. This paragraph does not apply to individual consumers.

If a California consumer submits a CCPA rights request directly to one of Nationwide’s third-party vendors or business partners, the vendor or partner must instruct the consumer to visit this policy and submit the request through one of the approved methods listed below (webform or toll-free telephone number).

For your security, your request, and our responses to it, will be available for you to access for 30 days, after which they will be deleted. If you would like to access your personal information again, please submit another request.

Please note that the CCPA does not require us to search for personal information if we:

• Do not maintain the personal information in a searchable or reasonably accessible format;
• Maintain the personal information solely for legal or compliance purposes; and
• Do not sell the personal information and do not use it for any commercial purpose.

Please note that the CCPA does not require us to delete your personal information if it is necessary for Nationwide to:

1. Complete the transaction for which the personal information was collected, provide a good or service requested by you, conduct activities reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between Nationwide and you;
2. Ensure the security and integrity of information (such as detecting security incidents and protecting against and prosecuting malicious, deceptive, or illegal activity like fraud);
3. Debug to identify and repair errors that impair existing intended functionality;
4. Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
5. Comply with the California Electronic Communications Privacy Act;
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the businesses’ deletion of the information is likely to render impossible or seriously impair the achievement of such research, if you have provided informed consent;
7. Enable solely internal uses that are reasonably aligned with a consumer’s expectations based on their relationship with Nationwide; or
8. Comply with a legal obligation.

Additionally, we may retain your personal information in our backup or archive systems until the retention period of those systems expire, as permitted by the CCPA.

In order to effectively evaluate your request, we require that you provide us with documentation supporting your request by uploading it to our secure online portal or via postal mail to the following address:

Consumer Privacy
P.O. Box 182189
Columbus, Ohio 43218-2189

If you provide supporting documentation via postal mail, please do not send us the original; we request that you only send a copy.

We will only use documentation provided by you for the purpose of responding to your request.

Nationwide does not sell or share your personal information in exchange for monetary consideration. However, we may allow certain third parties, such as advertising networks, social networks, and data analytics providers, to use cookies and related tracking technologies, such as web beacons, pixel tags, and flash objects (collectively, “Cookie(s)”), to collect information about your visits to our websites or mobile apps and use that information to deliver advertisements relevant to your interests. Information collected about you on our websites or mobile apps by third parties could be combined with other information that you have provided to them or that they have collected from your use of their services. Under the CCPA, these disclosures may constitute a “sale” when the personal information is exchanged for non-monetary consideration (anything of value) or sharing when the personal information is disclosed for cross context behavioral advertising purposes.

Over the last 12 months, the categories of personal information Nationwide may have shared or sold, as these terms are defined under the CCPA, include: identifiers; internet, browsing, or other network information; inferences; and geolocation.

To opt out of the collection of your personal information using Cookies for advertising or analytics purposes, you can modify your Cookie settings using the Cookie Preference Center, which may be accessed through the banner when first visiting our websites or at any time via the “Do Not Sell or Share My Personal Information” link in the footer of our websites. To effectively manage Cookies via this tool, you must set Cookie preferences on all web browsers that you use. If you clear the Cookies on your web browser(s) or device(s), you may need to set your Cookie preferences again. When using our mobile applications, you may set or alter your preferences at any time in the Preferences section of the Settings within the mobile application. 

You can also opt out of the collection of your personal information via Cookies by enabling a Global Privacy Control (“GPC”) signal, which may be accessed by installing a supported web browser or browser extension. Please refer to the help section of your browser or visit the official Global Privacy Control website for more information.

Nationwide does not use or disclose your sensitive personal information for purposes other than as permitted by the CCPA, so there is no need for you to request to limit the use or disclosure of your sensitive personal information.

We may retain your personal information for the period necessary to fulfill the purposes described in our privacy policies or any notice provided at the time of collection, in accordance with our legal obligations, our records retention policies, or as otherwise permitted by law. For example, we may have a legal obligation to retain information relating to your agreements with us or claims relating to your products or services. We will delete your information once the legal obligation expires or after the period of time specified in our records retention policies.

Additionally, we may retain the information relating to your CCPA request in accordance with our legal obligations and records retention policies. We may retain the information about your request to track and fulfill your request. Please note that we will maintain a record of your request and all correspondence for at least 24 months. We collect, store, or process your information in compliance with our privacy policies.

Nationwide may revise this policy from time to time as permitted by law. Nationwide will provide you the revised policy on this website, on a website that replaces this website, in person, via email, or using other methods. Changes are effective on the date they are posted.

You may contact us at consumerprivacy@nationwide.com if you have any questions or concerns about this policy or your privacy rights under the CCPA.

Nationwide may process your personal data, including sensitive personal data for the following purposes:

1. Identifiers are used to respond to questions, requests, social media messages, and emails, track insurance applications, provide customer service, market, and provide products and services to you, set up, manage and service policies and accounts, conduct website or other surveys, verify your identity, and update our records.
2. Protected classifications (medical conditions or military or veteran status) are used to provide products and services to you, and protected classifications (race or ethnic origin) are used to conduct market research or product research to assist in our ability to serve diverse communities.
3. Commercial information is used to offer our telematics or usage-based insurance programs to you, market our products or services to you, and help predict your future claims.
4. Internet, browsing, or other network activity is used to conduct website and mobile app analysis, conduct research and analytics, develop and improve our websites and mobile apps, market and provide products or services to you, manage our online advertising and its effectiveness, remember your preferences and interactions, respond to questions and emails, manage and service policies and accounts, conduct website and other surveys, fraud prevention, and offer our telematics or usage-based insurance programs to you.
5. Telematics data (excluding geolocation data) are used to offer our telematics discount or usage based pay-per-mile insurance programs, and the telematics data collected in connection with these programs are only used for determining actual miles driven.
6. Sensory data, such as audio recordings of your calls to our call centers, are used to improve customer service, or for authentication or fraud investigation purposes.
7. Professional or employment information is used to process job applications and to provide offers or denials of employment.
8. Education information is used to process and evaluate your job application and related materials.
9. Inferences are used to market our products or services to you, improve our products and services, and help predict your future claims.
10. Financial account information is used to provide products and services to you, set up, manage, and service policies and accounts, and update our records. 
11. Geolocation data are used to conduct website and mobile app analysis, develop, and improve our websites and mobile apps, secure our websites and mobile apps, and provide products or services to you, such as our telematics or usage-based insurance programs. 
12. Health information is used to underwrite our products.

We also use all categories of personal data, including sensitive personal data, listed in this policy to comply with our legal obligations, including to comply with law enforcement or government authority requests, participate in judicial proceedings, and investigate fraudulent activity, resolve disputes, enforce our agreements, provide you with our products or services you have purchased, for everyday servicing purposes, and as otherwise described to you at the point of collection.

Exercising Your Privacy Rights
OCPA provides individuals with certain rights relating to their personal data. To exercise any of these rights, you or your authorized agent may submit a privacy rights request using one of the designated methods outlined in this section. When submitting your request, you must provide us with certain information so that we may locate your personal data in our systems and distinguish it from the personal data of others—for example, individuals who may have similar names or addresses to you. You may need to provide us with your name, email address, address, phone number, driver’s license number, Social Security number, or account information, depending on the information you would like to access. Once we receive your request, we will provide additional information about our verification process and the processing of your request. You may submit a privacy rights request using our Privacy Request Webform or by calling 1-844-541- 4300 (12 p.m. – 6 p.m. ET, weekdays).

We do not generally charge a fee to fulfill your privacy requests; however, we may charge a reasonable fee or deny requests that are manifestly unfounded or excessive, including repetitive requests. If we deny your request, we will notify you of the reason and you may appeal the denial by emailing us at consumerprivacy@nationwide.com.

Identity Verification Requirements
Before we fulfill any requests submitted by you, we are required to verify that you are the person that is the subject of the request. Our verification process consists of you answering a series of questions correctly to verify your identity. If you experience technical errors with or are unwilling to verify your identity through our verification process, please contact us at 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays) or consumerprivacy@nationwide.com, and we will send to you a notary form that you must sign, notarize, and return to us by mail to the following address: 

Consumer Privacy
P.O. Box 182189
Columbus, Ohio 43218-2189

Nationwide will reimburse you for any reasonable notarization fees. Failure to verify your identity may result in the rejection of your request.

Authorized Agent Requests
You may authorize an agent to submit a privacy request on your behalf. Please note, requests submitted by authorized agent also require verification of your identity before processing. Your authorized agent will need to complete the identity verification process explained in the preceding section. Nationwide may reject a request from an agent that fails to complete the identity verification process. Your authorized agent, on your behalf, may submit a request to access using the Authorized Agent Webform or by calling 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays).

Nationwide may have disclosed your personal data to the following categories of third parties for the business or commercial purposes listed above and for the following reasons:

1. Identifiers may be disclosed to vendors that provide us with customer service, account setup, account management and servicing, and data verification services.
2. Protected classifications may be disclosed to vendors that assist us in providing products and services to you.
3. Commercial information may be disclosed to vendors, advertising networks, or data analytics providers that help us offer our telematics or usage-based insurance programs to you, help market our products or services to you, and help predict your future claims.
4. Internet, browsing, or other network information may be disclosed to vendors, advertising networks, internet service providers, data analytic providers, or social networks that help us with conducting website and mobile app analysis, conducting research and analytics, developing our websites and mobile apps, collecting information about our website and mobile app usage and email responses, marketing and providing products or services to you, managing our online advertising and its effectiveness, responding to questions and emails, managing and servicing policies and accounts, and helping to offer our telematics or usage- based insurance programs to you.
5. Telematics data (excluding geolocation data) may be disclosed to vendors or data analytics providers that assist us in providing our telematics discount or usage-based pay-per-mile insurance programs.
6. Sensory data, such as audio recordings of your calls to our call centers, may be disclosed to vendors that provide us with services to improve customer service or for authentication or fraud investigation purposes.
7. Professional or employment information may be disclosed to vendors that assist us with processing job applications or providing offers or denials of employment.
8. Education information may be disclosed to vendors that provide us with human resources, job application, or recruitment services.
9. Inferences may be disclosed to vendors that provide us with services to market our products or services to you and help predict your future claims.
10. Financial account information may be disclosed to vendors that help us provide our products or services to you.
11. Geolocation data may be disclosed to vendors, advertising networks, internet service providers, data analytic providers, or social networks that help us with conducting website and mobile app analysis, developing our websites, mobile apps, or insurance programs, and marketing our products or services to you.
12. Health information may be disclosed to vendors that help us provide our products or services to you or business partners that help us provide our products or services to you.

Nationwide may also disclose all categories of personal data as part of corporate transactions, such as mergers, acquisitions, or divestitures, as well as with our affiliates and subsidiaries. We may be required to disclose all categories of personal data with law enforcement, regulatory agencies, or litigants based on legally enforceable requests for this information.

You may contact us at consumerprivacy@nationwide.com if you have any questions or concerns about this policy or the use of your personal data.

2.1 Nationwide may collect, use, and/or disclose the following types of consumer data: 

2.1.1 Health conditions, treatments, diseases, or diagnosis;
2.1.2 Social psychological, behavioral, and medical interventions;
2.1.3 Health-related surgeries or procedures;
2.1.4 Use or purchase of prescribed medication;
2.1.5 Bodily functions, vital signs, symptoms, or measurements of other types of consumer health data;
2.1.6 Diagnoses or diagnostic testing, treatment, or medication;
2.1.7 Reproductive or sexual health information;
2.1.8 Biometric data;
2.1.9 Genetic data;
2.1.10 Data that identifies a consumer seeking health care services;
2.1.11 Any information that a regulated entity or a small business, or their respective processor, processes to associate or identify a consumer with the data described above that is derived or extrapolated from non-health information (such as proxy, derivative, inferred, or emergent data by any means, including algorithms or machine learning).

2.2 The categories of consumer health data may include the following personal information, when collected in connection with your past, present, or future physical or mental health status:

2.2.1 Identifiers;
2.2.2 Other personal information;
2.2.3 Characteristics of protected classifications under Federal law;
2.2.4 Commercial information;
2.2.5 Internet or other similar network activity;
2.2.6 Geolocation data;
2.2.7 Audio, electronic, or similar information;
2.2.8 Inferences drawn from other personal information.

3.1 Nationwide may collect, use, and/or disclose consumer health data for the following business purposes:

3.1.1 A purpose you direct;
3.1.2 Marketing to you;
3.1.3 Enhancing your experience with us on our website;
3.1.4 Marketing enhancement;
3.1.5 Manage our business relationship;
3.1.6 Support our business operations;
3.1.7 Vendor management;
3.1.8 Legal and regulatory compliance;
3.1.9 Merger, Acquisition, and/or Bankruptcy; or
3.1.10 Our internal purposes. 

4.1 Nationwide may collect your consumer health data from and/or disclose your data to one or more of the following parties: 

4.1.1 You
4.1.2 Data Providers
4.1.3 Digital and Non-Digital Marketing Providers
4.1.4 Advisors
4.1.5 Mutual Service Providers
4.1.6 Technology Providers
4.1.7 Affiliates and Subsidiary Companies

4.2 How Nationwide collects your consumer health data

4.2.1 We may collect this consumer health data from: you if you use certain services available on our sites or voluntarily provide it to us; data providers; advisors; affiliates; marketing providers; digital marketing providers; technology providers; and other service providers, contractors and/or third parties.

4.3 What consumer health data Nationwide shares

4.3.1 For purposes of this Act, we do not share consumer health data.

4.4 What consumer health data Nationwide sells

4.4.1 For purposes of this Act, we do not sell consumer health data.

5.1 Subject to certain legal limitations and exceptions, you may be able to exercise some or all of the following rights:

5.1.1 Right to Delete
5.1.2 Right to Confirm whether your data is being Collected, or Shared (Note: We do not sell your data)
5.1.3 Right to Withdraw Consen

5.2 To exercise any of the rights described above, you may submit a request using our Privacy Request Webform or by calling 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays). You may authorize an agent to submit a privacy request on your behalf. Please note, requests submitted by authorized agent also require verification of your identity before processing. Your authorized agent will need to complete the identity verification process explained in the preceding section. Nationwide may reject a request from an agent that fails to complete the identity verification process. Your authorized agent, on your behalf, may submit a request to access using the Authorized Agent Webform  or by calling 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays).

5.3 In response to a request, Nationwide will attempt to respond to an authenticated consumer request to delete within forty-five (45) days of its receipt. If we require more time (up to 45 additional days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

6.1 Nationwide reserves the right to amend this Policy at its discretion and at any time. When we make changes to this Policy, we will post the updated Policy on the website and update the Policy's effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

7.1 If you wish to appeal a denial of a request or have any questions about this Policy, how Nationwide collects consumer health data, or how to exercise your rights, please feel free to contact us by: 

7.1.1 E-mail: consumerprivacy@nationwide.com
7.1.2 Phone: 1-844-541-4300
7.1.3 Letter addressed to:

Nationwide Consumer Privacy
P.O. Box 182189
Columbus, Ohio 43218-2189
Attn: Consumer Privacy (MHMDA)