Terms of Use

Effective October 3, 2016


Nationwide Mutual Insurance Company and its subsidiaries and affiliates, including (without limitation) Allied Group, Inc. (“Allied Insurance”) and Harleysville Group, Inc. (“Harleysville Insurance”) (collectively "Nationwide"), give you the ability to do more online on Nationwide.com, the websites of our affiliates, and through our mobile applications (the “Site”). You can use “the Site” for online access to your personal accounts, our product information, educational content, our services and self-help tools ("Online Activities").

When you access the Site, you’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

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

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

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

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

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

Limitation of liabilities

Nationwide’s liabilities

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

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

Your liabilities

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. This includes 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

Personal information

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

Updating your personal information

You’re responsible for telling Nationwide if you've changed your personal information, such as your name, telephone number, mailing address, email address or other personal information. You may update your personal information through our website(s) or by calling Nationwide at 1-877-304-1065, Allied Insurance at 1-800-532-1436 or Harleysville Insurance at 1-800-523-6344.

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 through our Sites and apps).

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 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 Online Activities, you may discontinue your use of Online Access. If you have questions regarding Online Activities, including credit card transactions, please call Nationwide at 1-877-304-1065, Allied Insurance at 1-800-532-1436 or Harleysville Insurance at 1-800-523-6344.

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’re providing your electronic signature. That means you 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’ll need:
  • A personal computer or other access device with internet access
  • A web browser that is capable of supporting 128-bit SSL encryption
  • Software that lets you get and open Portable Document Format (PDF) files
  • 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 (for example, to your hard disk drive or a floppy diskette), print PDF files, or print webpages 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 that is able to print Communications and the instructions on plain, white 8½ x 11-inch paper.

Claims Self-service terms and conditions

Claims Self-service is intended to provide you with electronic access to certain claim information. It does not replace communications with the claims adjuster and/or written claim correspondence. For additional information concerning a claim, you should contact your assigned adjuster.

The display of claim information within Claims Self-service is not an indication that Nationwide has confirmed the accuracy of the reported information or that we have completed our claim investigation. If you have questions or concerns about the accuracy of the information displayed in Claims Self-service, please contact your assigned adjuster.

If you’re a Nationwide member and you cancel your policy with Nationwide, access to Claims Self-service will discontinue 30 days after cancellation. You’ll continue to receive communications and correspondence by telephone and mail, and Nationwide will continue to investigate and evaluate your claim in accordance with the terms and conditions of the policy and state law.

If you become represented by counsel and no longer wish to receive email correspondence from Claims Self-service, it is your obligation to submit this request in writing to your assigned adjuster. The written correspondence must specifically note that you’re requesting an end to Claims Self-service emails. It is your obligation to discontinue use of the Nationwide.com portal if you become represented by counsel and no longer wish to receive online Claims Self-service access.

Within Claims Self-service, you have the option to upload and submit your own photographs and documents related to the incident. Only upload photos and/or documents that are related to the claim and fall into one of the categories made available through the Photo & Documents Upload feature. Do not upload correspondence or time-sensitive materials. Also, please do not upload photographs or documents related to an injury claim, such as medical records, medical bills and/or injury photos. Any photos or documents that do not fall into one of the categories made available through the Photo & Documents Upload feature should be emailed, mailed or faxed to your claims representative. All uploaded photos and documents become the property of Nationwide and will be used in the investigation, evaluation and resolution of your claim, and for any other business purpose.

Coverage information displayed in Claims Self-service does not replace or modify any provisions of your policy or your policy Declarations Page. You should read your policy and policy Declarations Page for complete information on your coverage. If there’s any conflict between the policy, your policy Declarations page and the information listed on the Claims Self-service webpages, the provisions of the policy and policy Declarations Page shall prevail.

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 (email 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’re 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

© 1997-2018 Nationwide Mutual Insurance Company. All rights reserved.

You’re 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 are a copyright owner or an agent thereof of a work protected by a United States copyright has been linked to, posted or stored on the Site without authorization and you believe that any content on the Site infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Copyright Agent, with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

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

Please direct copyright infringement notifications to:

Marketing and Intellectual Property Legal Team

1-32-305, One Nationwide Plaza

Columbus, OH 43215-2220

copyright@nationwide.com (the “Copyright Agent”)

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

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

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

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

License and reproduction

Original materials of Nationwide posted on the Site are protected by intellectual property laws. You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, display and navigate the Site solely for your personal, non-public use. You’re 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 prior written permission from Nationwide. Use of any Nationwide trademarks as metatags on any third-party website is strictly prohibited. You may not co-brand the Site or display the Site in frames (or any of the Content through inline links) without prior written permission from Nationwide. "Co-brand" means your display of any of the Intellectual Property (or your taking of other means of attribution or identification of Nationwide) in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute the Site or any of its Content. You agree to cooperate with Nationwide in causing any unauthorized co-branding, framing or linking to immediately cease.


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

Using other aggregation websites

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

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

Information about the operation of the site

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. Access from certain countries other than the United States may be strictly prohibited. You acknowledge and agree that you’re accessing the Site on your own initiative and at your own risk. You’re 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 through the Site. Nationwide makes this request 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. Also, 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’s illegal, indecent, profane (either directly or indirectly through partially-obscured words, letters, phrases, terminology or the like), threatening, defamatory, derogatory, counter to Nationwide's Privacy Policy or otherwise injurious to Nationwide or third parties. Visitor Submissions also should not consist of or invoke malicious software code, constitute commercial solicitation (except where pre-approved by Nationwide), consist primarily of an unsolicited electronic mass mailing, be political in nature, or the like. Where an email address is required to upload Visitor Submissions, you agree to use a valid email address and represent that you’re the individual identified by the address. If you wish to submit materials to the Site, you’re prohibited from impersonating any other individual or entity, or otherwise mislead as to the origination of the Visitor Submission.

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

Visitor Submissions become the property of Nationwide. You grant Nationwide a non-exclusive, royalty-free, perpetual, irrevocable, fully-transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit and reformat Visitor Submissions as necessary, and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you’re 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 its discretion and judgment, but maintains no obligation to do so.

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

Important disclosures about Nationwide products

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


Property and casualty insurance products

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

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies, including (without limitation) Harleysville Group, Inc., Nationwide Lloyds and Nationwide Property & Casualty Companies (in Texas). Home Office: Columbus, OH 43215. Nationwide pet insurance is underwritten by Veterinary Pet Insurance Co. (Calif.) and National Casualty Co. (states outside Calif.) Both are Nationwide-affiliated companies. Home Office: Brea, Calif. and Madison, Wisc., respectively. Allied Insurance underwritten by AMCO Insurance Company, Allied Property and Casualty Company, Depositors Insurance Company, and Nationwide Insurance Company of America. Home Office: Des Moines, IA 50391-1100. Subject to underwriting guidelines, review and approval. Products and discounts are not offered by all companies. Not all products and discounts are available to all persons in all states.


Variable insurance products

Investing involves market risk, which may include the loss of your principal investment. There’s 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 on this Site

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


Mutual funds

Nationwide Funds are sold only to persons residing in the United States and are offered by prospectus only. Investing in mutual funds involves risk, including possible loss of principal. Investors should carefully consider a mutual fund’s investment objectives, risks, fees, charges and expenses, and read its prospectus carefully before investing. Nationwide Mutual Funds and Nationwide Variable Insurance Trust are distributed by Nationwide Fund Distributors LLC, member FINRA. One Nationwide Plaza, Mail Code 5-02-210R, Columbus, OH 43215. For information on Nationwide Funds, please call 1-800-848-0920 and request a prospectus or visit the Nationwide Funds prospectus page.


Circular 230 notice

To comply with the Department of the Treasury 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. These Terms and Conditions replace all prior or simultaneous understandings about access and use.



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.



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.


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