Rev 01/2024

WHAT DOES NATIONWIDE DO WITH YOUR PERSONAL INFORMATION?
 

• Why? Financial companies choose how they share your personal information. Federal and state laws give consumers the right to limit some but not all sharing. Federal and state laws also require us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do
   
• What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  ▪ Social Security number and income
  ▪ Account balances, transaction history, and credit history 
  ▪ Assets and insurance claim history
   
• How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Nationwide chooses to share; and whether you can limit this sharing

Questions? Call 1-800-882-2822 ext. 614-249-6985 or go to www.nationwide.com/privacy

Who we are

Who is providing this notice?

Nationwide Financial Services, Inc., and the Nationwide Family of Companies (collectively “NFS”). For a complete list of our Family of Companies, visit 
https://www.nationwide.com/personal/about-us/affiliated-companies/

What we do
 

How does Nationwide protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state laws. These measures include computer safeguards and secured files and buildings. We limit access to your information to those who need it to do their job.

How does Nationwide collect my personal information?

We collect your personal information, for example, when you
▪ Apply for insurance or give us your contact information
▪ Pay your insurance premiums or file an insurance claim
▪ Show your driver’s license
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal and state laws give you the right to limit only
▪ Sharing for affiliates’ everyday business purposes—information about 
your creditworthiness
▪ Affiliates from using your information to market to you
▪ Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include nonfinancial companies, such as companies with the Nationwide name, such as Nationwide Mutual Fire Insurance Company and Nationwide Mutual Insurance Company. Visit nationwide.com for a list of affiliated companies.

NonAffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. NFS does not share with nonaffiliates so they can market to you.

Joint Marketing 

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. NFS doesn’t jointly market.
 

General Comments 

a. Use and Limitations of Ratings 

A Best's Credit Rating (BCR) is a forward-looking, independent and objective opinion  regarding an insurer's, issuer's or financial obligation's relative creditworthiness. lhe opinion  represents a comprehensive analysis consisting of a quantitative and qualitative evaluation of  balance sheet strength, operating performance, business profile and enterprise risk management  or, where appropriate, the specific nature and details of a security. 

Because a BCR is a forward-looking opinion as Of the date it is released, it cannot be  considered as a fact or guarantee Of future credit quality and therefore cannot be described  as accurate or inaccurate. A BCR is a relative measure of risk that implies credit quality  and is assigned using a scale with a defined population Of categories and notches. Entities  or obligations assigned the same BCR symbol developed using the same scale, should not  be viewed as completely identical in terms of credit quality. Alternatively, they are alike  in category (or notches within a category), but given there is a prescribed progression of  categories (and notches) used in assigning the ratings of a much larger population of entities  or obligations, the categories (notches) cannot mirror the precise subtleties of risk that are  inherent within similarly rated entities or obligations. While a BCR reflects the opinion of  A.M. Best Rating Services, Inc. (AM Best) of relative creditworthiness, it is not an indicator  or predictor of defined impairment or default probability with respect to any specific insurer,  issuer or financial obligation. 

A BCR is not investment advice, nor should it be construed as a consulting or advisory service,  as such; it is not intended to be utilized as a recommendation to purchase, hold or terminate  any insurance policy, contract, security or any other financial obligation, nor does it address the  suitability of any particular policy or contract for a specific purpose or purchaser. Users of a BCR  should not rely on it in making any investment decision; however, if used, the BCR must be  considered as only one factor. Users must make their own evaluation of each investment decision. A  BCR opinion is provided on an "as is" basis without any expressed or implied warranty. In addition,  a BCR may be changed, suspended or withdrawn at any time for any reason at the sole discretion of  AM Best. 

Other important information

Nevada Residents: We are providing you this notice under state law. You may request to be placed on our internal Do Not Call list by sending an email with your 
phone number to privacy@nationwide.com. You may request a copy of our telemarketing practices. For more on this Nevada law, contact: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; phone number: 1 -702-486-3132; email: 
BCPINFO@ag.state.nv.us; Nationwide, 1000 Yard Street GH-2D-OCA1, Columbus, OH 43212; 1-800-882-2822 ext. 614-249-6985; privacy1@nationwide.com.
For Vermont Customers: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.nationwide.com/privacy or call 1-800-882-2822 ext. 614-249-6985.For insurance customers in AZ, CT, GA, IL, ME, MA, MT, NV, NJ, NM, NC, ND, OH, OR, and VA only: The term “Information” means information we collect during an insurance transaction. We will not use your medical information for marketing purposes without your consent. We may share your Information with nonaffiliates without your prior authorization as permitted or required by law. We may share your Information with insurance regulatory authorities, law enforcement, and consumer reporting agencies. Information we obtain from a report prepared by an insurance-support organization may be retained by that insurance-support organization and disclosed to others.
To request access to or deletion of your personal information, send a written letter to: Nationwide, 1000 Yard Street GH-2D-OCA1, Columbus, OH 43212. 
Include your name, address, and your policy, contract, or account number, and describe the information you wish to access or delete. You may correct inaccurate personal information by visiting Nationwide.com or calling your agent. We can’t change the information other companies, like credit agencies, provide to us. You’ll need to ask them to change it.
California Residents: Learn more about your rights under the California Consumer Privacy Act by visiting www.nationwide.com/privacy.