Last Updated December 28, 2020
We collect information from you in the following ways:
- We collect information through your use of our websites or apps;
- We collect the information you provide to us, for example when you apply for products or services;
- We collect information about you from third parties, such as service providers or credit reporting agencies; and
- We collect information automatically through your use of our websites or apps, such as through cookies and similar technologies.
We use and disclose this information to provide you with our products or services, to communicate with you, to provide you with customer service, to market our products or services to you, to develop or improve our products or services, for legal or compliance purposes, or as required or permitted by applicable law. Please review the remainder of this policy for additional details.
You may print or download a pdf version of this policy (PDF).
1. We Collect Information Through Our Websites or Apps.
We collect the information you provide us when you use our websites or apps, such as when you:
- Ask a question,
- Use tools and calculators,
- Apply for products or services,
- Complete a form,
- Conduct transactions,
- Apply for a job,
- Email us,
- Subscribe to receive emails from us, and
- Complete surveys or feedback.
2. We Collect Information When You Apply for Our Products or Services.
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;
- 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. However, we will not use or share your medical information for marketing, unless you give us your permission.
3. We Collect Information from Third-Parties.
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 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 from whom we have obtained data. We may combine this data with information we already have about you, for example in order to update our records.
4. We Collect Information Automatically.
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.
5. You Can Control Cookies.
6. We Use Google’s Services.
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.
7. We Use Online Interest-Based Advertising.
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. We do not store your name, address, telephone number, email address, or any sensitive personal information in these cookies or similar technologies. The companies that distribute our ads are only permitted to use or share your information for marketing Nationwide products and services. You should also review the privacy practices of those third parties.
8. You Can Control Online Interest-Based Advertising.
You may read more about online interest-based advertising by visiting this TrustArc website or this Federal Trade Commission website. You can opt out of online interest-based advertising using the TrustArc Cookie Preference Manager found in the banner on Nationwide’s websites. You can 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.
9. We Provide Links to Other Websites.
10. We Offer Usage-Based Insurance Programs.
We offer various usage-based insurance programs that collect different information from you. 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 that rewards low mileage and safe driving with personalized feedback. If you participate in the SmartRide or SmartMiles program, we will gather information using a telematics device that you plug in to your car, our smart phone app that you download, or other technology capable of recording and transmitting the necessary data. We then analyze this information to provide you with personalized feedback and calculate a discount on your insurance premium in accordance with our terms and conditions. As part of the SmartRide or SmartMiles program, we may collect information about your vehicle, such as driving speed, trip information, or geolocation. If you use the mobile app, we may collect information about your mobile device as well. For additional information, please review the additional terms contained in the box your SmartRide or SmartMiles telematics device arrived in, terms located under the SmartRide app settings, and SmartMiles Terms and Conditions of Use within the web portal.
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.
11. We Record Calls to Our Call Centers.
We may record or monitor our conversations with you if you call our customer service centers. 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.
12. We Use Your Personal Information to Provide You with Our Products or Services
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.
13. We Retain Your Personal Information.
We generally retain our records that contain your personal information 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.
14. We Share Personal Information for Servicing.
Nationwide may share your personal information only as described in our privacy policies. We do not sell your personal information.
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. They may track and keep aggregated visitor information. We may also share your information with your agent, 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.
15. We May Share Personal Information for Marketing.
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 explains 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. You may also want to review Nationwide’s California Consumer Privacy Act Rights policy.
16. You Can Limit Our Sharing of Personal Information for Marketing.
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 using the "Unsubscribe" link 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.
17. You Can Access Your Personal Information.
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.
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.
18. We Secure Your Personal Information.
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.
19. We Don’t Target Children.
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.
20. You Can Use Our Dispute Resolution Provider.
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.
22. Victims of Domestic Violence Have Confidentiality Rights.
New York State Insurance Law Section 2612 prohibits insurers from discriminating against victims of domestic violence. This law requires insurance companies to comply with valid orders of protection against an insured or anyone covered under an insured’s policy. While the order is in place, the insurance company is prohibited from sharing the address and telephone number of the protected persons, or of any person or entity providing covered services to the protected person. If a child is the protected person, the child’s parent or guardian must assert these rights.
Except with the express consent of the person making the request for an order of protection, Nationwide will not disclose to the policyholder or another insured covered under the policy the address, telephone number, or any other personally identifying information of the covered individual or children residing with the covered individual. Nationwide is also prohibited from disclosing any information relating to abuse, including the nature of the health care services provided to the covered individual. This information could include the name, address, and telephone number of the provider of the health care services, or any other information that could lead to the discovery of the above information.
Where applicable, you have the ability to further protect yourself by creating a new online account with new credentials and by placing your policy in your own name.
Please feel free to submit a valid order of protection to:
- Nationwide Mutual Insurance Company
- Attn: Nationwide Service of Process
- 1 Nationwide Blvd., 1-30-405
- Columbus, OH 43215
- Toll Free Line: 1-877-764-0418
If the covered individual is a child, the parent or guardian may make the above request. To revoke a request or request to receive information at an alternative address, please contact our customer service.
For more information, please contact:
NYS Domestic and Sexual Violence Hotline: 1-800-942-6906
In NYC: 1-800-621-HOPE (4673); TTY: 1-866-604-5350
23. You Can Contact Us.
One Nationwide Plaza
Columbus, OH 43215-2220
1-800-882-2822 - extension 614-249-6985