Terms and Conditions of Use
Effective April 1, 2013
Nationwide Mutual Insurance Company, its subsidiaries and affiliates, including, without limitation, Allied Group, Inc.
(“Allied Insurance”) and Harleysville Group, Inc. (“Harleysville Insurance”) (collectively "Nationwide"), gives you the
ability to do more online at our site(s) on the World Wide Web (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're 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.
Disclaimer of warranties
Disclaimer of warranties
ALL INFORMATION AND OTHER MATERIALS PRESENT ON THE SITE ("CONTENT"), INCLUDING, WITHOUT
LIMITATION, PRODUCTS AND SERVICES ARE PROVIDED "AS IS," WITHOUT ANY WARRANTIES ABOUT THE
CONTENT'S NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME)
AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES.
WITHOUT LIMITING THE ABOVE, NATIONWIDE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY WITH REGARD TO ANY WEB SITE
OWNED BY A THIRD PARTY TO WHICH OR FROM WHICH THE SITE IS LINKED ("LINKED WEB SITE").
NATIONWIDE DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILITY OF
ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEB SITE.
THE INFORMATION, PRODUCTS, SOFTWARE OR SERVICE DESCRIPTIONS PUBLISHED ON THE SITE OR A
LINKED WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. THE COMPANY
DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT
ON THE SITE OR A LINKED WEB SITE 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 error free.
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, INCLUDING ANY LOST PROFITS, COSTS OF PROCURING SUBSTITUTE
SERVICE OR LOST OPPORTUNITY, EVEN IF YOU HAVE NOTIFIED NATIONWIDE ABOUT THE POSSIBILITY
OF SUCH DAMAGES, OR FOR 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 WEB SITE 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
Nationwide has the right to deny you access and use of the Site and its Content if you violate (as Nationwide may
determine in its sole and absolute discretion) any provision of the Terms and Conditions. Nationwide reserves the
right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify
and hold Nationwide harmless from any claim or demand, including reasonable attorneys' fees, made by a third party
in connection with or arising out of your access to, or use of, the Site or any of its Content in a manner other than as
expressly authorized by the Terms and Conditions, your breach of the Terms and Conditions or your violation of
applicable laws or any rights of any third party.
Your Privacy and Security on the Site
Updating Your Personal Information
You are responsible for telling Nationwide if you've changed your personal information, such as your name, telephone
number, mailing address, e-mail address, or other personal information. You may update your personal information
by using the Online Activities or by contacting Nationwide at 1-877-304-1065, Allied Insurance at 800-532-1436, or
Harleysville Insurance at 800-523-6344.
Spamming and solicitation
You may not use any information obtained from the Site for spamming or solicitation.
Notice of Applicability to Children
The Site is not intended for children ages 13 and younger.
Using Electronic Signatures
Online Access
For some Online Activities, Nationwide permits "Online Access," which includes the ability to use a personal
computer or other access device equipped with an active connection to an Internet Service Provider to access your
Nationwide accounts, policies, or other products and to perform certain transactions as available. You may register
for Online Access via the Internet.
In order to conduct some Online Activities, you agree to receive information applicable to your use of the Online
Activities delivered to you electronically. These may include policy documents, quotes, billing statements, updates,
notifications or other information that you request, transaction receipts, documents requiring your signature, or any
other documents ("Communications"). Your consent does not mean that Nationwide must provide the
Communications electronically; Nationwide may, at its option, provide the Communications through non-electronic
means. As part of the Online Activities, many of these Communications are made available to you in non-electronic
form. If you wish to withdraw your consent to receive information electronically through your use of the Online
Activities, you may discontinue your use of the Online Access. If you have questions regarding Online Activities,
including credit card transactions, please contact Nationwide at: 1-877-304-1065, Allied Insurance at 800-532-1436,
or Harleysville Insurance at 800-523-6344.
As part of the Online Activities, you may be given the option to sign certain Communications electronically by either
checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking
the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic
signature process, you are providing your electronic signature and agree to be bound by the terms and conditions in
such Communication just as if you had signed your name to a paper document.
Your state may require insurance documents to be displayed in a particular font size. To ensure that Communications
are displayed at the correct font size for your state, please make sure that the view size setting for the
Communications is set to 100% and your browser resolution is 800 x 600.
System Requirements
To receive, access, and reply to applicable Communications you will need:
 a personal computer or other access device with Internet access,
 a web browser which is capable of supporting 128-bit SSL encryption,
 software that lets you get and open Portable Document Format or "PDF" files, and
 the ability to download or print agreements and disclosures.
System Requirements to Retain Information
To retain the Communications sent to you electronically for your records, your system must have the ability to either
download (e.g., to your hard disk drive or a floppy diskette), print PDF files, or print web pages and embedded HTML
files. In some cases, you must print, complete, and sign Communications with a pen, and then return them to
Nationwide according to the instructions on the document. To do this, you must have a functioning printer connected
to your personal computer or other access device which is able to print Communications and the instructions on plain,
white 8½ x 11 inch paper.
Intellectual Property, Trademarks, and Copyrights
Intellectual Property
Intellectual property is protected by copyrights, trademarks, service marks, international treaties or other proprietary
rights and laws of the United States and other applicable countries. You agree to abide by all applicable proprietary
rights and laws as well as any additional trademark or copyright notices or restrictions contained in the Terms and
Conditions. The 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 General Counsel, Intellectual Property Department, One Nationwide
Plaza, Columbus, OH 43215-2220 (e-mail address: trademark@nationwide.com).
Trademark Notice
The trademarks, service marks, slogans, logos, trade dress and other identifiers ("Marks") displayed on the Site are
the property of Nationwide, unless otherwise disclosed. You are prohibited from using any Marks for any purpose
including, but not limited to, use on other materials, in presentations, as domain names, or as metatags, without the
written permission of Nationwide.
Copyright Notice
© 1997-2013 Nationwide Mutual Insurance Company. All rights reserved.
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)
If you think that a work protected by a United States copyright has been linked to, posted or stored on the Site without
authorization, please contact the following agent designated to receive notification of claimed copyright infringement:
Copyright Attorney, Nationwide Office of General Counsel, Intellectual Property Department, One Nationwide Plaza,
Columbus, OH 43215-2220 or (e-mail address: copyright@nationwide.com).
License and Reproduction
Original materials of Nationwide posted on the Site are protected by intellectual property laws. You are granted a
nonexclusive, nontransferable, limited and revocable right to access, use, display and navigate the Site solely for
your personal, non-public use. You are also granted a limited and revocable license to print copies of the Content, but
solely for your personal, non-public 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, trade name,
service mark 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 the prior written permission of the
Nationwide. Use of any Nationwide trademarks as metatags on any third-party Web site is strictly prohibited. You
may not Co-Brand the Site or display the Site in frames (or any of the Content via in-line 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 Web Sites to or from the Site. Linked Web Sites are controlled
and operated by third parties and 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 Web Sites. The fact that Nationwide authorizes Linked Web Sites is not an
endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Web Sites, its
owners, sponsors, or providers.
Information about the Operation of the Site
Nationwide operates the Site from its offices within the United States. Nationwide does not represent that Content on
the Site is appropriate or applicable for use in any other country, and access from certain countries other than the
United States may be strictly prohibited. You acknowledge and agree that you are accessing the Site on your own
initiative, at your own risk, and are responsible for compliance with all local laws. These Terms and Conditions shall
be governed by and construed in accordance with the laws of the United States and the State of Ohio. You consent
to exclusive jurisdiction and venue in Franklin County, Ohio and waive the defense of forum non conveniens.
Submissions of Unsolicited Ideas
Nationwide values your feedback; however, we ask that you not submit to us any suggestions, materials, ideas or
creative concepts for new, modified or different products or services via the Site. Nationwide requests this in order to
avoid confusion in the future regarding the origin of the concept, product or service.
If, despite our request that you not send us any creative materials, you still send us creative suggestions, ideas,
concepts or other information (collectively, the "Information"), such Information shall be deemed by Nationwide to be,
and shall remain, the property of Nationwide. None of the Information shall be subject to any obligation of confidence
on the part of Nationwide and Nationwide shall not be liable for any use or disclosure of any Information. Without
limiting the foregoing, Nationwide shall exclusively own all rights to the Information of every kind and nature and shall
be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without
compensation to the provider of the Information.
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; and that will
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 and 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 the visitor has 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 it's 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
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational
purposes only and 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 and exclusions may apply.
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, including, without
limitation, Harleysville Group, Inc. Nationwide Lloyds and Nationwide Property & Casualty Companies (in TX). Home
Office: Columbus, OH 43215. Nationwide pet insurance underwritten by Veterinary Pet Insurance Co. (CA); National
Casualty Co. (states outside CA), both Nationwide-affiliated companies. Home Office: Brea, CA and Madison, WI,
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 nor are all products and discounts 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 which you should read carefully before investing. Both the product
prospectus and underlying fund prospectuses can be obtained from your investment professional and may
be available online. Before investing, carefully consider the fund's investment objectives, risks, charges, and
expenses. The product prospectus and underlying fund prospectus contain this and other important
information.
Securities Products Mentioned in 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
The 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 to obtain this information. Nationwide Mutual Funds and Nationwide Variable Insurance Trust are
distributed by Nationwide Fund Distributors LLC, Member FINRA. 1200 River Road, Suite 1000, Conshohocken,
PA 19428 (www.finra.org). For information on Nationwide Funds, please call 800-848-0920 and request a prospectus
or click here to visit the Nationwide Funds prospectus page.
Circular 230 Notice
To comply with Treasury Department regulations, we advise you that the information contained herein was prepared
to promote and support the marketing of the products and services of Nationwide. It's not intended to constitute tax
advice. It wasn't written or intended to be used by any taxpayer for the purpose of avoiding tax penalties that may be
imposed on the taxpayer, and can't be used by any taxpayer for that purpose. You should seek advice on matters
related to taxes specific to your situation from an independent tax advisor.
No Offer
Information in the Nationwide Mutual Capital Site is not a solicitation, offer, recommendation, invitation or inducement
to buy or sell any investment or to enter into or conclude any transaction.
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.
Read More Information about this Agreement
Entire Agreement
Except to the extent otherwise set forth in the 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 and
supersedes all prior or contemporaneous understandings regarding access and use.
Severability
If any portion of these Terms and Conditions is found to be unenforceable, the remaining sections of the 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.
Note: Terms and conditions exist because things in life need protecting, just like your car. Our customers start by
getting car insurance quotes from Nationwide to help take the necessary steps needed in protecting the vehicles
that matter most in their lives.