Terms of Use

By choosing to transact business with Nationwide electronically, you agree to use electronic signatures which shall have the same force and effect as your written signature. Electronic signatures may take various forms, including checking a box.

By providing your telephone number and consenting to receive SMS text messages, you agree that Nationwide Life Essentials can send you notifications, messages and links to notifications, communications, agreements, and other documents in connection with the Service by reoccurring SMS text messages from 20371.

Your consent to receive communications via SMS text message is not a condition of purchase and you will be permitted to continue with the insurance application process via the Platform even if you decline to opt in to receive communications via SMS text message.

The following keywords can be texted for additional information:

• STOP to cancel any further texting from Nationwide Life Essentials
• HELP for help

You can also get help directly by calling 1-800-955-0047

Message frequency varies. Message and data rates may apply.

By providing your telephone number and consenting to receive SMS text messages, you agree that Nationwide Life Essentials can send you notifications and updates related to your insurance application by recurring SMS text messages from 20371.

Nationwide respects your right to privacy. For questions, please refer to our Privacy Policy.

Compatible carriers* include: AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).

*Carrier is not liable for any delayed or undelivered messages.

You consent to receive the following documents that may arise during your relationship with Nationwide (collectively, the “Covered Documents”) electronically through by email, by text, or via the Service, instead of in paper format through U.S. Mail:

• Account Related Documents including, but not limited to, insurance applications and application materials, policy documents, disclosures, policy-related notices (e.g., notice of cancellation and notice of change in terms or conditions), and other documents as permitted by law;
• Billing Documents including, but not limited to, bills, billing statements, payment receipts, disclosures, notices and other documents as permitted by law;
• Information applicable to your use of the Service such as quotes, claims documents, updates, notifications, transaction receipts, documents requiring your signature, information that you request or any other documents related to your use of the Service; and
• Any other documents permitted or required by law.

Your consent does not mean that Nationwide must provide the Covered Documents electronically. Nationwide may, at its discretion, provide the Covered Documents through non-electronic means.

Accepting this agreement will not automatically change the manner in which you currently receive communications from Nationwide for any other Nationwide product you may own. These terms are specific to Nationwide products purchased via the Platform and maintained on the Site.

Covered Documents will not be available online indefinitely. Please save the documents to your computer or print them off to retain copies for your records.

Except as it relates to the consent to receive text messages from Nationwide, if you withdraw your consent during the application process, you will be unable to apply for products and services through the Platform, and we will be unable to continue to process any pending applications for products and services, including insurance products.

Once a policy is issued, you may withdraw your consent to receive Communications and Covered Documents electronically via the Site and to use an electronic signature at any time by contacting us.

You may obtain paper copies of the Covered Documents at no additional cost by contacting us. Please be assured that requesting a paper copy in no way withdraws your consent to this ToU or changes your election to continue to receive the Covered Documents electronically.

It is your responsibility to provide us with a valid and active email address. You may update your email address and other contact information by logging into your account on the Site.

E-mails returned as undeliverable may result in a suspension of Electronic Delivery of the Covered Documents.

To receive, access, and reply to the applicable Covered Documents you will need:

• A personal computer or other access device which is capable of accessing the Internet;
• An Internet web browser which is capable of supporting 128-bit SSL encrypted communications;
• Software which permits you to receive and access Portable Document Format or (“PDF”) files
• The ability to download or print agreements and disclosures.

Some states 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.

To retain the Covered Documents your system must have the ability to:

• Download and save files to your hard disk drive
• Print PDF files, or print Web pages and embedded HTML files.

Your consent confirms that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account.

Residents of Georgia Only - You consent to the following: I AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELLATION OR NONRENEWAL NOTICES.

Residents of Kentucky and Tennessee Only - By consenting to this ToU, you, the policyholder, elect to allow for policies, notices, and communications to be sent to the electronic mail address provided by you and you should be aware that this election operates as consent by you for all notices to be sent electronically, including notice of nonrenewal and cancellation. Therefore, you, the policyholder, should be diligent in updating the electronic mail address provided to Nationwide in the event that the address should change.

You do not need to create an account to visit the Site, but you must have an account to access and utilize certain aspects of the Service, including without limitation those aspects that allow you to apply for and obtain an Insurance Policy. You can create an account by starting the application process. You may be required to provide information about yourself and payment information as part of the application process or your continued use of the Service. You agree that any application information that you submit to Nationwide will be correct, accurate and up to date.

Maintaining account security is very important. You are solely responsible for maintaining the confidentiality of your account password and for all activities that are conducted via your account. You agree to notify Nationwide immediately if you become aware of any unauthorized use of your password or of your account. To better understand how we maintain the security of your personal information, please refer to our Privacy Policy.

Accounts are registered to you personally and may not be sold, traded, gifted or otherwise transferred at any time under any circumstances. You may not share your account with, or disclose your password to, anyone else. Nationwide is not liable for any loss, theft, or unauthorized disclosure or use of your user ID, password or access code if you do not properly secure your user ID, password, or access code, or if you choose to share your user ID, password, or access code with another user or third party.

Subject to the terms and conditions of any applicable Insurance Policy, you have the right to cancel your account at any time. You may cancel your account by contacting us via phone call to our Customer Care Center at 1-800-955-0047.

Nationwide may at any time terminate your account if:

If you voluntarily terminate your account, you may reactivate that account at any time by logging in to the Service through the Site and reactivating the account. Accounts terminated by Nationwide for any type of abuse including, without limitation, a violation of this ToU, may not be reactivated for any reason.

Subject to the terms and conditions of this ToU, Nationwide hereby grants you a limited, non-exclusive, personal, non-sublicensable, non-assignable license to use the Service solely in accordance with this ToU and any rules, restrictions or documentation set forth by Nationwide from time to time. Nationwide reserves all rights not expressly granted to you. You agree not to license, create derivative works from, transfer, sell or re-sell any information, content, materials, data or services obtained from the Service. Nationwide reserves the right to add or remove information, content or Services from the Site at any time at its sole discretion.

You acknowledge and agree that Nationwide may update the Service from time to time with or without notifying you and may add or remove features or functions to the Service at any time in its sole discretion. You acknowledge and agree that Nationwide has no obligation to make the Service available to you, make any subsequent versions of the Service available to you or to continue to support the Service in any way. You acknowledge that your access to the Service may not be continuous, features may change during your use of the Service, and Nationwide may terminate your access to the Service or stop offering the Service at any time, provided that any Insurance Policy you obtain through the Service will remain in effect pursuant to the terms of such Insurance Policy.

You agree not to access, or attempt to access, the Service by any means other than through the user interface provided through the Site. You specifically agree not to access, or attempt to access, the Service through any automated means (including, without limitation, through the use of scripts, bots, spiders or web crawlers).

You agree that you will not, in connection with your use of the Service, violate any applicable law, ordinance, rule, regulation or treaty. Without limiting the foregoing, you agree that you will not make available through the Service any material or information that infringes any copyright, trademark, patent, trade secret, or other right of any party (including rights of privacy or publicity).

You may not connect to or use the Service in any way that is not expressly permitted by this ToU.

You agree that you will not (a) obtain or attempt to obtain any information from the Service including, without limitation, email addresses or mobile phone numbers of users or other data; (b) intercept, examine or otherwise observe any proprietary communications protocol used by the Service, whether through the use of a network analyzer, packet sniffer or other device; or (c) use any type of bot, spider, virus, clock, timer, counter, worm, software lock, drop dead device, Trojan horse, trap door, time bomb or any other codes, instructions or third party software that is designed to provide a means of surreptitious or unauthorized access to, or distort, delete, damage or disassemble, any aspect of the Service.

You agree that we may record or capture your activity on the Service, including where you click and the items that you view. When you access the Service, you are agreeing to this ToU, including consenting to the recording or capturing of your activity on the Site.

You agree that we may use chatbot technology on the Service. When you access the service, you are agreeing to this ToU, including consent to the use of chatbot technology to communicate with you via the Service as well as the monitoring, recording, and retention of any chatbot conversations that occur with you via the Service.

You acknowledge and agree that you are solely responsible, and Nationwide has no responsibility or liability to you or any other person or entity, for any breach by you of this ToU or for the consequences of any such breach. Nationwide may at its option, terminate its relationship with you, or may suspend your account immediately if it determines you are using the Service contrary to the restrictions found in this Section 7 or any other terms of this ToU.

The Service may contain links to websites operated by independent third parties. Nationwide provides these links to other websites as a convenience and use of these websites is at your own risk. The linked websites are not under the control of Nationwide and Nationwide is not responsible for the content available on the other websites or services. Such links do not imply Nationwide’s endorsement of information or material on any other website and Nationwide disclaims all liability with regard to your access to and use of such linked websites. You understand and acknowledge that your access and use of linked websites and the services provided through these websites is governed by the terms of service and other agreements posted on such websites.

Unless otherwise set forth in a written agreement between you and Nationwide, you must adhere to Nationwide’s linking policy as follows: (a) the appearance, position and other aspects of any link to the Service may not be such as to damage or dilute the goodwill associated with Nationwide’s or its licensors’ names and trademarks; (b) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Nationwide; and (c) when selected by a User, the link to the Site must display the Site on full-screen and not within a “frame” on the linking website. Nationwide reserves the right to revoke its consent to the link at any time and in its sole discretion.

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

You acknowledge and agree that Nationwide, or its licensors, owns all right, title and interest in and to the Service, including all intellectual property, industrial property and proprietary rights recognized anywhere in the world at any time and that the Service is protected by U.S. and international copyright laws. Further, you acknowledge that the Service may contain information that Nationwide has designated as confidential and you agree not to disclose such information without Nationwide’s prior written consent.

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

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

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 information and other materials present on the Service 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.

Nationwide has the right to deny you access and use of the Service if you violate (as Nationwide may determine in its sole and absolute discretion) any provision of the ToU. 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 Service in a manner other than as expressly authorized by the ToU. This includes your breach of the ToU, or your violation of applicable laws or any rights of any third party.

This ToU may only be revised in a writing signed by Nationwide or published by Nationwide on the Site.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Nationwide as a result of this ToU or your use of the Service.

Nationwide may assign its rights under this ToU to any person or entity without your consent.

If any part of this ToU is determined to be invalid or unenforceable, then that portion shall be severed, and the remainder of the ToU shall be given full force and effect.

Our failure to enforce any provision of this ToU shall in no way be construed to be a present or future waiver of such provision, nor in any way affect our right to enforce the same provision at a later time. An express waiver by Nationwide of any provision, condition or requirement of this ToU shall not be understood as a waiver of your obligation to comply with the same provision, condition or requirement at a later time.

All notices given by you or required under this ToU shall be in writing and sent via email to [email protected] or mailed to Nationwide Life Essentials, 2700 Commerce St Ste. 1000, Dallas, TX 75226

You acknowledge and agree that Nationwide would be irreparably damaged if the terms of this ToU were not specifically enforced, and therefore you agree that we shall be entitled, without bond, other security, or proof of damages, to appropriate equitable remedies with respect to breaches of this ToU, in addition to such other remedies as we may otherwise have available to us under applicable laws.

This ToU, including the documents referenced in this ToU, constitutes the entire agreement between you and Nationwide with respect to the Service and supersedes any and all prior agreements between you and Nationwide relating to the Service.