Terms and Conditions
Effective April 23, 2013
By using or accessing Nationwide Mutual Insurance Company’s (“Nationwide’s”) Blog (the “Nationwide Blog”) or any products, software, data feeds, and services provided to you on, from, or through the Nationwide Blog website (collectively 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.
You should periodically review the most up-to-date version of the Terms and Conditions. Nationwide may in its sole discretion, modify or revise the Terms and Conditions at any time, and you agree to be bound by such modifications or revisions. Nothing in the Terms and Conditions shall be deemed to confer any third-party rights or benefits.
Nationwide is not responsible for and does not endorse or approve what others post on the Site, including any content, advice, opinions, recommendations or other material.
The Site is intended for informational purposes only and does 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.
The Site is NOT an official customer service channel. If you need help with a claim, your account or a service, the best things to do are call 1-877 On Your Side® (1-877-669-6877), or contact your local agent or claims representative by phone or email.
Please don’t share personal information on the Site.
You can click on a link below to go directly to a topic:
1. The Nationwide Blog Disclosure
2. Disclaimer of Warranties
3. Limitation of Liabilities
4. Your Privacy and Security on the Site
5. Intellectual Property, Trademarks, and Copyrights
7. Information about the Operation of the Site
8. Submissions of Unsolicited Ideas
9. Visitor Comments
10. Important Disclosures about Nationwide and its Products
11. Read More Information about this Agreement
12. How to Contact Nationwide
Nationwide is not responsible for and does not endorse or approve what others post on the Site, including any content, advice, opinions, recommendations or other material.
The Nationwide Blog is intended for informational purposes only and does 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. Coverage terms and discounts may vary by state, and exclusions may apply. If you have a question about your specific situation, or need help with a claim, your account or service, the best things to do are call 1-877 On Your Side® (1-877-669-6877), or contact your local agent or claims representative by phone or email.
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 WEBSITE OWNED BY A THIRD PARTY TO WHICH OR FROM WHICH THE SITE IS LINKED. 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, REMOVE CONTENT 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.
3.1 Nationwide’s Liabilities
IN NO EVENT WILL NATIONWIDE, ITS 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 WEBSITE 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, MECHANICAL 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.
3.2. Your Liabilities
Nationwide has the right to deny you access and use of the Site and the 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 the 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.
4.1. Personal Information
4.2. Spamming and Solicitation
You may not use any information obtained from the Site for spamming or solicitation.
4.3. Notice of Applicability to Children
The Site is not intended for children ages 13 and younger.
5.1. 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:email@example.com).
5.2. 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.
The following are some of the most commonly used service marks of Nationwide that may appear on the Site: Nationwide®, the Nationwide framemark, On Your Side®, Nationwide is On Your Side®, Join the Nation and design, and Vanishing Deductible®. Other Marks (whether registered or not), which are the property of Nationwide, also exist throughout the Site.
5.3. Copyright Notice
© 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.
5.4. 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 (email address: firstname.lastname@example.org).
5.5. 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, nonpublic use. You are also granted a limited and revocable license to print copies of the Content, but solely for your personal, nonpublic 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 Content, the Marks, any copyrighted material, or any other proprietary information of Nationwide (collectively, the “Intellectual Property”) displayed on the Site or in 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 website 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.
This Site may include links to or from other websites. Those websites are often 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 websites, the accuracy of information, and the quality of products or services provided or advertised on such websites. The fact that Nationwide has linked to another website is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to the linked-to websites, their owners, sponsors, or providers.
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.
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.
All communications initiated by you (also defined herein as a “Visitor”) and made to or through portions of the Site that permit uploading of video, questions, comments or other material are hereby considered “Visitor Comments.”
By submitting any content to Nationwide, you represent and warrant that:
- You are the sole author and owner of the content and own all intellectual property rights thereto;
- You have waived all “moral rights” that you may have in such content;
- All content that you post is accurate and truthful;
- You are at least 13 years old;
- Use of the content you supply does not violate these Terms and Conditions and will not cause injury to anyone.
You further agree and warrant that you shall not submit any content:
- That is known by you to be false, inaccurate or misleading;
- That relates to an open insurance claim or litigation;
- That infringes any third party’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy;
- That violates any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising);
- That is, or may reasonably be considered to be, indecent, profane (either directly or indirectly through partially obscured words, letters, phrases, terminology or the like), threatening, derogatory, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing to any individual, partnership or corporation;
- For which you were compensated or granted any consideration by any third party;
- That includes any information that references other websites, addresses, email addresses, contact information or phone numbers;
- That is unrelated to the topic of the area(s) in which such content is posted;
- That constitutes commercial solicitation; or
- That contains any computer viruses, worms or other potentially damaging computer programs or files.
You agree to indemnify and hold Nationwide (and its officers, directors, agents, subsidiaries, joint ventures, employees and third-party service providers), harmless from all claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown including reasonable attorneys’ fees, arising out of a breach of your representations and warranties set forth above, or your violation of any law or the rights of a third party.
Where an email address is required to upload Visitor Comments, 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 Comments. Nationwide and its third-party service providers may use your email address to contact you about the status of your Visitor Comments and for other administrative purposes.
For any content that you submit, you grant Nationwide a perpetual, irrevocable, royalty-free, transferable, right and license to use, edit, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium or technology, including into those forms that may constitute advertising, throughout the world without compensation to you. If you submit content, you are also hereby granting to Nationwide the nonexclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Comments in an unauthorized way or through unauthorized reproduction of any Visitor Comments.
Content you submit may, or may not be displayed or attributed to you. Nationwide reserves the right to select among the Visitor Comments for the most appropriate material to be used, subject to Nationwide’s sole discretion and judgment. Nationwide reserves the right to change, condense or delete any content on Nationwide’s website that Nationwide deems, in its sole discretion, to violate the content guidelines or any other provision of these Terms and Conditions. Nationwide does not guarantee that you will have any recourse through Nationwide to edit or delete any content you have submitted. Nationwide reserves the right to remove or to refuse to post any submission for any reason. You acknowledge that you, not Nationwide, are responsible for the contents of your submission. None of the content that you submit shall be subject to any obligation of confidence on the part of Nationwide, its agents, subsidiaries, affiliates, partners or third-party service providers and their respective directors, officers and employees.
Visitors also hereby agree to not redistribute or reproduce elsewhere Visitor Comments in any manner or in any media, including the resubmission or republishing of any Visitor Comments on any other site not affiliated with Nationwide.
Nationwide does not endorse any Visitor Comments, or any opinion, recommendation, or advice expressed therein, and Nationwide expressly disclaims any and all liability in connection with Visitor Comments. Nationwide does not permit copyright infringing activities and infringement of intellectual property rights on the Site, and Nationwide will remove Visitor Comments if properly notified that such Visitor Comments infringe on another’s intellectual property rights. Nationwide reserves the right to remove Visitor Comments without prior notice.
Product and Membership Information
Nationwide products are underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide Lloyds and Nationwide Property & Casualty Companies (in TX). Columbus, Ohio. 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. Not all Nationwide companies are mutual companies, and not all Nationwide members are insured by a mutual company. Policyholder rights and benefits are determined by policy language, underwriting company charter and bylaws, and applicable law.
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 are subject to underwriting guidelines, review, and approval. Products and discounts are not available to all persons in all states.
Vanishing Deductible® is an optional feature, and is subject to eligibility, underwriting guidelines, review, and approval. Maximum credit is $500. Details and availability vary by state.
NASCAR/JR Motorsports Information
NASCAR® is a registered trademark of the National Association for Stock Car Auto Racing, Inc. The NASCAR Nationwide Series™ logo and word mark are used under license by the National Association for Stock Car Auto Racing, Inc., and Nationwide Mutual Insurance Company. The JR Motorsports logo, name, likeness and signatures of Dale Earnhardt Jr. and Danica Patrick, and all related rights are property of and are used with permission of JR Motorsports, LLC, and JRM Licensing, LLC. Paid endorsement.
11.1. 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.
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.
One Nationwide Plaza
Columbus OH 43215-2220