Nationwide - OnStar Smart Driver

SmartRide® Connected Car Terms & Conditions of Use

ACCEPTANCE OF TERMS AND CONDITIONS

Please read the important information regarding your participation in Nationwide's SmartRide Connected Car Program.
BY PARTICIPATING IN A VEHICLE MANUFACTURER TELEMATICS PROGRAM OR OTHER THIRD PARTY TELEMATICS PROGRAM CAPABLE OF COLLECTING THE NECESSARY DATA POINTS TO PRESENT THE SMARTRIDE USAGE BASED FINAL DISCOUNT (COLLECTIVELY REFERRED TO AS "TELEMATICS ENABLED VEHICLES") AND CONFIRMING YOUR ENROLLMENT IN THE SMARTRIDE PROGRAM, YOU ACKNOWLEDGE THAT YOU HAVE READ AND ACCEPT THE TERMS AND CONDITIONS OF THE PROGRAM LISTED BELOW.

Participation in Nationwide's SmartRide Program
Your participation in Nationwide's SmartRide Program is expressly conditioned on your acceptance of these terms and conditions. If you do not agree to these terms and conditions, you will not be able to participate in this Program. Participation in this Program is voluntary; you may choose to stop your participation at any time by calling the Nationwide Service Center at 1-855-421-2688.

You acknowledge and agree that you are authorized by the registered owner(s) of the applicable vehicle to collect and transmit data captured by the Telematics Enabled Vehicle. You also acknowledge and agree that you are authorized to collect vehicle usage data by other individuals who operate or ride in your Telematics Enabled Vehicle.

Data Collected and SmartRide Discount Information
Telematics Enabled Vehicles may collect information that includes, but is not limited to acceleration, deceleration, time, speed, G-forces, distance, fuel, VIN, throttle position, geo-location, directional information, and time stamps ("Telematics Data"). Nationwide must receive at least 85 days of Telematics Data from a Telematics Enabled Vehicle in order to present a SmartRide usage based final discount.

If you are participating or participated in a vehicle manufacturer's telematics program or other third party telematics program, Nationwide will present your SmartRide usage based final discount, which could be zero, based upon the Telematics Data collected by a Telematics Enabled Vehicle. Your SmartRide final discount will apply to the vehicle enrolled in the vehicle manufacturer's or third party's telematics program upon your purchase of insurance with Nationwide, subject to product and underwriting eligibility, review and approval. If you are participating in a vehicle manufacturer's telematics program or other third party telematics program, you are not eligible for a SmartRide Program participation discount. In order for additional vehicles to participate in the SmartRide Program, you may enroll all vehicles or additional vehicles in the Nationwide SmartRide Device or Mobile Program, subject to the Terms and Conditions of the SmartRide Program and availability. Discounts apply to Bodily Injury, Medical Payments, Property Damage and Collision on your Nationwide auto insurance policy. Discounted coverages may vary by state. Nationwide reserves the right to amend these terms and conditions of the Nationwide SmartRide Program, including terminating the program, at any time. Products, SmartRide, and discounts are not available to all persons in all states.

Nationwide's Use of Telematics Data
Nationwide may retain all rights to Telematics Data. Nationwide may use or disclose Telematics Data for general business purposes including, but not limited to, customer service, research and analytics, premium calculation, the SmartRide Program, and as permitted or required by law. Data from the Telematics Enabled Vehicles may be deemed discoverable by third parties. Nationwide and/or you may be legally required to provide the data to others who may use it in an accident investigation and/or litigation (e.g., pursuant to a subpoena, court order, law enforcement or regulatory inquiry, or some other duly authorized data request). Additionally, there may be instances where Nationwide is required to disclose Telematics Data to state departments of insurance to support rate filings.

Nationwide will retain information collected from Telematics Enabled Vehicles for a particular amount of time, as required by law and in accordance with Nationwide's document retention policy.

Nationwide will not sell Telematics Data to any third parties, unless the data is part of an asset purchase or similar business transfer. Nationwide may be legally required to use or disclose Telematics Data in the investigation of a claim or accident, which may be used or discoverable in litigation. However, Nationwide will not use Telematics Data for purposes of determining coverage on first party claims, as well as uninsured and/or underinsured motorist claims you have with Nationwide. Additionally, data collected throughout the program will not be used to cancel, non-renew, or surcharge your policy.

Nationwide has a privacy policy to protect your personal information. The privacy policy contains a detailed description of your rights and our practices and is available to you upon your request.

About Telematics Enabled Vehicles
Nationwide does not manufacture the Telematics Enabled Vehicle and/or any associated firmware or other technology involved in the collection of Telematics Data to present the SmartRide final usage based discount. Claims for damage arising from an alleged defect or malfunction of a Telematics Enabled Vehicle potentially covered under your personal auto policy will be evaluated and adjusted by Nationwide in accordance with the terms and conditions of your insurance policy. All other claims for damage associated with the Telematics Enabled Vehicle will be directed to the Telematics Enabled Vehicle manufacturer and/or provider for investigation and consideration.

Disclaimers; Limitation of Liability
NATIONWIDE EXPRESSLY DISCLAIMS, WAIVES, RELEASES AND RENOUNCES ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE.

NATIONWIDE SHALL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES INCLUDING DAMAGES FOR BODILY INJURY OR DAMAGE TO OTHER VEHICLES OR PROPERTY ARISING OUT OF, RELATED TO, OR IN CONNECTION WITH ANY TELEMATICS ENABLED DEVICE AND/OR ASSOCIATED FIRMWARE OR TECHNOLOGY OR ITS USE.

YOU AGREE THAT NATIONWIDE SHALL NOT BE LIABLE FOR ANY DIRECT OR INDIRECT DAMAGES IN RELATION TO ANY OTHER TELEMATICS ENABLED VEHICLES AND/OR ASSOCIATED FIRMWARE OR TECHNOLOGY.

YOU AGREE THAT THE 'SMARTRIDE CONNECTED CAR TERMS AND CONDITIONS OF USE' IN NO WAY CHANGES, MODIFIES, OR AMENDS THE TERMS AND CONDITIONS OF YOUR INSURANCE POLICY AND ANY CLAIM FOR BENEFITS UNDER YOUR INSURANCE POLICY WILL BE EVALUATED AND ADJUSTED PURSUANT TO ITS TERMS AND CONDITIONS AND APPLICABLE LAW.

Products underwritten by Nationwide Mutual Insurance Company and Affiliates. Columbus, Ohio. Availability varies. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes; final discount is calculated on driving behavior and could be zero. Final discount applies at policy issuance and remains until vehicles on the policy change.

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OnStar will share with Nationwide Insurance the Smart Driver driving data associated with you and your vehicle. Nationwide will use this data to offer you an auto insurance quote in accordance with these Terms and Conditions. Nationwide will inform OnStar of your participation in this program after completing your quote. OnStar, General Motors and their affiliates are not insurance providers or producers, and are not acting as Nationwide's agent. Questions concerning insurance should be directed to Nationwide.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review, and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle, and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © 2016 Nationwide Mutual Insurance Company.