Nationwide Mutual Insurance Company and its subsidiaries and affiliates, including without limitation Allied Group, Inc.
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.
All information and other materials present on the Site "content" , including without limitation products and services, are provided "as is.
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.
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 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.
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. Nationwide takes your privacy and online security very seriously.
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 , Allied Insurance at or Harleysville Insurance at 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.
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 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.
Claims Self-service is intended to provide you with electronic access to certain claim information. 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 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.
It is your obligation to discontinue use of the Nationwide. Within Claims Self-service, you have the option to upload and submit your own photographs and documents related to the incident.
Do not upload correspondence or time-sensitive materials. 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. 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: The trademarks, service marks, slogans, logos, trade dress and other identifiers "Marks" displayed on the Site are the property of Nationwide, unless otherwise disclosed.
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.
C c 3 for further detail:. 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:.
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.
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.
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.
Before you publish the agreement online, make sure your Terms and Conditions includes important disclosures, such as:. However, having a Terms and Conditions gives you the right to terminate the access of abusive users or to terminate the access to users who do not follow your rules and guidelines, as well as other desirable business benefits.
You should always use clickwrap to get users to agree to your Terms and Conditions. But the agreement is lengthy and it has multiple clauses that are useful for The Guardian:.
The Terms and Conditions includes a short introduction that helps set the stage for the rest of the content.
Please read these terms and conditions of use carefully before accessing, using or obtaining any materials, information, products or services.
Perhaps the most important section of this legal document is the section that addresses how a user should use or not use your website and app. This free Generic Terms and Conditions Template is available for download and includes these sections:.
This article is not a substitute for professional legal advice. This article does not create an attorney-client relationship, nor is it a solicitation to offer legal advice.