California Consumer Privacy Act Rights

If you are a California resident, you may have rights under the California Consumer Privacy Act. Please review those rights below and the FAQs that follow.

A. Collection of Information

Nationwide may collect the following categories of personal information about you, such as when we provide you with our products or services:

1. Personal identifiers, such as name, address, and Social Security number;
2. Protected classifications, such as medical conditions or military or veteran status;
3. Commercial information, such as products or services purchased, consumer report information, and information from transactions;
4. Biometric information, such as your voiceprint when you call our call centers;
5. Internet, browsing, or other network information, such as internet protocol address, session ID, click or touch stream data, movement, scroll, and in some cases, keystroke activity;
6. Telematics data (excluding geolocation data) are collected in connection with our telematics discount or usage-based pay-per-mile insurance programs;
7. Geolocation data are collected in connection with your use of our websites or mobile apps;
8. Audio recordings, such as call center recordings;
9. Professional or employment information, such as information collected from job applications and resumes;
10. Education information, such as information collected from job applications, transcripts, or resumes; and
11. Inferences, such as those drawn from credit reports or motor vehicle reports or from clickstream data.

B. Sources of Information

The following are the categories of sources of personal information we collect about you:

1. We may collect personal identifiers from you, publicly available databases, data aggregators, advertising networks, internet service providers, data analytics providers, government entities, operating systems and platforms, social networks, and data brokers, and other third parties from whom we have purchased data;
2. We may collect protected classifications information from you or from medical providers;
3. We may collect commercial information from you directly or from your use of our websites or mobile apps, from credit reporting companies, and from consumer reporting companies;
4. We may collect biometric information (your voiceprint) from you directly when you call our call centers;
5. We may collect internet, browsing, or other network activity from your use of our websites, mobile apps, or telematics devices;
6. We collect telematics data (excluding geolocation data) from your use of telematics devices;
7. We may collect geolocation data from your use of our mobile apps or in connection with your use of our websites;
8. We may collect audio recordings when you call our customer service call centers;
9. We may collect professional or employment information from job applications, resumes, or recruiters;
10. We may collect education information from job applications, transcripts, resumes, or recruiters; and
11. We may collect inferences from your use of our websites, telematics devices, our mobile apps, or from information provided by credit or consumer reporting companies if you have applied for a financial product or service.

C. Purposes of Collection of Information

We collect and use personal information for our business purposes. For all categories of personal information listed in this policy, these business purposes include:

1. Auditing;
2. Detecting security incidents;
3. Protecting against and prosecuting malicious, deceptive, or illegal activity (such as fraud);
4. Debugging;
5. Short-term, transient use of personal information;
6. Performing services on behalf of Nationwide, another business, or a service provider (such as maintaining or servicing accounts or providing customer service); 
7. Undertaking internal research; and
8. Verifying or maintaining the quality or safety of a service or device or improving a service or device.

Other examples of the business purposes include the following:

1. Personal identifiers are collected and used to respond to questions, requests, social media messages, and emails, track insurance applications, provide customer service, market and provide products and services to you, set up, manage and service policies and accounts, conduct website or other surveys, verify your identity, and update our records;
2. Protected classifications are collected and used to provide products and services to you;
3. Commercial information is collected and used to offer our SmartRide Program or other telematics or usage-based insurance programs to you, market products or services to you, and help predict your future claims;
4. Biometric information (your voiceprint) is collected and used for fraud prevention or authentication purposes;
5. Internet, browsing, or other network activity is collected and used to conduct website and mobile app analysis, conduct research and analytics, develop and improve our websites and mobile apps, market and provide products or services to you, manage our online advertising and its effectiveness, remember your preferences and interactions, respond to questions and emails, manage and service policies and accounts, conduct website and other surveys, fraud prevention, and offer our SmartRide Program or other telematics or usage-based insurance programs to you;
6. Telematics data (excluding geolocation data) are collected and used to offer our telematics discount or usage-based pay-per-mile insurance programs, and the telematics data collected in connection with these programs are only used for determining actual miles driven;
7. Geolocation data are collected and used to, conduct website and mobile app analysis, develop and improve our websites and mobile apps, and market products or services to you;
8. Audio recordings are collected and used to improve customer service;
9. Professional or employment information is collected and used to process job applications and offers or denials of employment;
10. Education information is collected and used for processing and evaluating your job application and related materials; and
11. Inferences are collected and used to market products or services to you, improve our services and products, and help predict your future claims.

We also collect and use all categories of personal information listed in this policy to comply with our legal obligations including to comply with law enforcement or government authority requests, participate in judicial proceedings, and investigate fraudulent activity, resolve disputes, enforce our agreements, provide you with our products or services you have purchased, for everyday servicing purposes, and as otherwise described to you at the point of collection.

D. Sharing of Information

We share your personal information for the business purposes listed above and for the following reasons:

1. Personal identifiers may be shared with entities that provide us with customer service, account setup, account management and servicing, and data verification services;
2. Protected classifications information may be shared with entities that provide us with services to provide products and services to you;
3. Commercial information may be shared with entities that help us offer our SmartRide Program or other telematics or usage-based insurance programs to you, help market products or services to you, and help predict your future claims;
4. Your biometric information (voiceprint) may be shared with our service providers to assist in authentication and to service your account;
5. Internet, browsing, or other network information may be shared with entities that assist us with conducting website and mobile app analysis, conducting research and analytics, developing our websites and mobile apps, collecting information about our website and mobile app usage and email responses, marketing and providing products or services to you, managing our online advertising and its effectiveness, responding to questions and emails, managing and servicing policies and accounts, and helping to offer our SmartRide Program or other telematics or usage- based insurance programs to you;
6. Telematics data (excluding geolocation data) may be shared with entities that assist us in providing our telematics discount or usage-based pay-per-mile insurance programs;
7. Geolocation data may be shared with entities that assist us in providing our telematics discount or usage-based pay-per-mile insurance programs to you, conducting website and mobile app analysis, developing our websites, mobile apps, or insurance programs, and marketing products or services to you;
8. Audio recordings may be shared with entities that provide us with services to improve customer service or for authentication or fraud investigation purposes;
9. Professional or employment information may be shared with recruiters or with entities that help us with processing job applications or offers or denials of employment;
10. Education information may be shared with entities that provide us with human resources, job application, or recruitment services; and
11. Inferences may be shared with entities that provide us with services to market products or services to you and help predict your future claims.

Nationwide may also share all categories of personal information as part of corporate transactions, such as mergers, acquisitions, or divestitures, as well as with our affiliates and subsidiaries. We may be required to share all categories of personal information with law enforcement, regulatory agencies, or litigants based on enforceable requests for this information.

We do not sell personal information of California consumers. We, our service providers, and third parties such as advertising, social media, and analytics companies may, however, use cookies and related tracking technologies such as web beacons, pixel tags, and flash objects (collectively “Cookies”) to collect information about your visits to our website and third-party websites and then use that information to deliver advertisements relevant to your interests. Information collected about you on our website by third parties could be combined with other information that you’ve provided to them or that they’ve collected from your use of their services. To opt out of the collection of your personal information using cookies and other tracking technology for advertising purposes, you can modify your cookies settings using the cookie preference center located on www.nationwide.com You can also opt out of cookies through your web browser. Please refer to the help section of your browser or mobile device for more information.

We do not knowingly collect, disclose, or sell the personal information of consumers under 16 years of age.

E. Your Consumer Rights

You may have a right to notice, opt out, non-discrimination, access, and deletion.

1. Notice. You have the right to know about the personal information collected, used, disclosed, or sold. This policy is intended to satisfy that right.
2. Opt-out. While you have the right to direct us not to sell your personal information to third parties, Nationwide does not sell your personal information. Therefore, there is no need for you to opt out of the sale of your personal information.
3. Non-discrimination. You have the right not to be discriminated against for exercising any of the rights in this section. We do not use the fact that you have exercised or requested to exercise any CCPA rights for any purpose other than facilitating a response to your request.
4. Access. You have the right to access your personal information. You may make a request to access using the personal information access request webform to request access to your personal information or call 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays).
5. Deletion. You have the right to request that we delete the personal information we have collected about you. You may use the personal information deletion request webform personal information deletion request webform to request the deletion of your personal information or call 1-844-541- 4300 (12 p.m. – 6 p.m. ET, weekdays).

Before we fulfill any of your requests, we are required to verify that you are the person that is the subject of the request (the “Verification Process”). The Verification Process consists of you answering a series of questions correctly to verify your identity. If you experience technical errors with or are unwilling to verify your identity through the Verification Process, please contact us at 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays) or consumerprivacy@nationwide.com, and we will send to you a notary form that you must sign, notarize, and return to us by mail. Notary forms may be mailed to the address provided in the Contact Us section below. Nationwide will reimburse you for any notarization fees. Failure to verify your identity may result in the denial of your request. The FAQs below provide you with additional information about this process. Please note, if we cannot verify your identity, we will not be able to respond to your request.

We try to process requests within 45 days of receiving the request. If we need more time or additional information to fulfill your request, we will let you know that we need additional time and why.

F. Authorized Agent

You have the right to designate an authorized agent to make a request on your behalf. Your designated agent may use this personal information access request webform and this personal information deletion request webform or call 1-844-541-4300 (12 p.m. – 6 p.m. ET, weekdays) to make a request on your behalf. We must receive signed permission designating the authorized agent to submit the request or a properly executed power of attorney that describes you, your designated authorized agent, and the purpose of the designation. If you provide the authorized agent with signed permission, we request that you also verify your own identity with us directly and confirm that you provided the authorized agent permission to submit the request. The FAQs below provide you with additional information about this process.

G. Do Not Track

California law requires us to let you know how we respond to web browser Do Not Track (DNT) signals. Because there currently isn't an industry or legal standard for recognizing or honoring DNT signals, we don't respond to them at this time.

H. Revisions

Nationwide may revise this policy from time to time as permitted by law. Nationwide will provide you the revised policy on this website, on a website that replaces this website, in person, via email, or using other methods. Changes shall become effective on the date they are posted.

I. Contact Us

You may contact us at consumerprivacy@nationwide.com if you have any questions or concerns about this policy or your rights.

You may mail notary forms and power of attorney documentation to the following address:

P.O. Box 182189

Columbus, Ohio 43218-2189

J. Frequently Asked Questions