Nationwide reserves the right to change or modify content, materials, or information appearing on or in connection with this Website, including these Terms of Use, at any time without notice to you. Nationwide may at any time revise these Terms of Use by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Terms of Use from time to time.

By accessing or using this Website, you represent that you are at least eighteen (18) years of age and will, at all times, provide true, accurate, current, and complete information when submitting information or materials on this Website, including, without limitation, when you provide information via a Website form or loan application. You agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of Nationwide. If you provide any false, inaccurate, untrue, or incomplete information, Nationwide reserves the right to terminate your access to and use of this Website and to decline any request for a loan.

You may not access or use this Website in any way that could or is intended to damage or impair the Website, or any server or network underlying the Website, or interfere with anyone else’s use and enjoyment of the Website.

Use of the Internet and this Website is solely at your own risk. While Nationwide has endeavored to create a secure and reliable Website, the confidentiality of any communication or material transmitted to or from the Website over the Internet cannot be guaranteed. Accordingly, Nationwide is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Website, or for the consequences of any reliance on such information.

Unless otherwise indicated, all text, formatting, images, graphics, tools, applications, articles, copy, creative materials, photos, trademarks, service marks, trade names, logos, and other materials and information on this Website (collectively, “Content”) are owned by Nationwide or used by Nationwide under license or with permission, and are protected by copyright, trademark, and other applicable intellectual property laws. The Content may not be copied, imitated, or used, in whole or in part, without the prior written permission of Nationwide or the applicable rights holder. All rights not expressly granted are reserved.

Any unauthorized commercial use of the Content will violate Nationwide’s intellectual property rights and will be subject to Nationwide’s full legal rights and remedies.

Nationwide grants you a limited, nonexclusive, revocable license to view, share, print, or download Content from this Website for your own personal, non-commercial use. You may not license, republish, distribute, copy, assign, sublicense, transfer, sell, prepare derivative works of, or otherwise make non-personal use of any Content. You are also granted a limited, revocable, and nonexclusive right to create a hyperlink to the Website so long as the link does not portray Nationwide, or its products or services, in a false, misleading, derogatory, or otherwise offensive manner or imply a sponsorship or endorsement by Nationwide.

You may not use automated systems (e.g., robots, spiders, scrapers) to access the Website. You agree not to collect personally identifiable information of other users of the Website or to sell or otherwise exploit that information.

Nationwide retains the right to deny access to this Website to anyone, without notice, at its complete discretion for any reason, including for violation of these Terms of Use.

From time to time, we may ask for your feedback on our Website, products, and services. Any feedback, communication, or material you transmit or post (other than personal information submitted as part of a loan application, which is governed by our Privacy Policy) will be treated as non-confidential and non-proprietary, will become the property of Nationwide, and may be used by Nationwide without restriction and without any obligation, compensation, or other liability to you. Nationwide is under no obligation to respond to any such communication.

This Website may contain third-party content and links to other websites that are independent of this Website. Third-party content and links are included solely for the convenience of users and do not constitute any approval, endorsement, or warranty by Nationwide. Nationwide is not responsible for the accuracy, completeness, or reliability of third-party information, or for the products or services offered through any linked website. Any personal information you submit on a third-party website will be subject to the privacy policy and terms of use of that website.

You agree to defend, indemnify, and hold harmless Nationwide, its direct and indirect subsidiaries and affiliates, and each of their respective directors, officers, employees, agents, successors, and assigns from and against all losses, liabilities, damages, claims, and expenses, including attorneys’ fees, arising out of, relating to, or resulting from your violation of these Terms of Use or your misuse of the Website.

WHILE NATIONWIDE WILL USE REASONABLE EFFORTS TO ENSURE THAT ALL INFORMATION AND MATERIALS AVAILABLE ON THIS WEBSITE ARE ACCURATE, UP-TO-DATE, AND RELIABLE, THE WEBSITE AND ALL INFORMATION, SERVICES, PRODUCTS, AND MATERIALS CONTAINED HEREIN ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE HEREBY DISCLAIMED, INCLUDING ANY WARRANTY OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT, QUALITY OF INFORMATION, OR FITNESS FOR A PARTICULAR PURPOSE. NATIONWIDE DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

IN NO EVENT SHALL NATIONWIDE OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL, OR OTHER DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF DATA, OR LOSS OF PROFITS, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR ACCESS TO THIS WEBSITE OR ITS CONTENT, EVEN IF NATIONWIDE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. IN NO EVENT SHALL NATIONWIDE’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING FROM YOUR USE OF THIS WEBSITE EXCEED THE AMOUNT PAID BY YOU, IF ANY, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS LESS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

PLEASE READ THIS PROVISION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. YOU AND NATIONWIDE AGREE TO GIVE UP ANY RIGHTS TO LITIGATE CLAIMS IN A COURT OR BEFORE A JURY OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO A CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT, SUCH AS ACCESS TO DISCOVERY, ALSO MAY BE UNAVAILABLE OR LIMITED IN ARBITRATION.

Any dispute between you and Nationwide, its agents, employees, officers, directors, successors, assigns, subsidiaries, or affiliates arising from or relating to these Terms of Use, their interpretation, breach, termination, or validity, or the relationships which result from these Terms of Use, including disputes about the validity, scope, or enforceability of this arbitration provision (collectively, “Covered Disputes”), will be settled by binding arbitration. Prior to initiating any arbitration, the initiating party will give the other party at least sixty (60) days’ advance written notice of its intent to file for arbitration. The notice must (1) include your name and address, (2) describe the nature and basis of the claim or dispute, and (3) set forth the specific relief sought.

During the 60-day notice period, the parties will endeavor to settle any Covered Dispute amicably. Failing such settlement, either party may initiate arbitration. The arbitrator will conduct proceedings by telephone or videoconference unless in-person appearances are requested and approved by the arbitrator. The arbitrator will have the power to grant whatever relief would be available in court under law or in equity, and any award will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Any Covered Dispute will be submitted to arbitration on an individual basis only. Neither Nationwide nor you are entitled to arbitrate any Covered Dispute as a class, representative, or private attorney general action. If any provision of this arbitration agreement is found illegal or unenforceable, the remaining arbitration terms shall continue to be fully valid, binding, and enforceable (but in no case will there be a class, representative, or private attorney general arbitration). These Terms of Use are governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16, and, where otherwise applicable, the laws of the State of California.

Please read our Privacy Policy carefully to understand how Nationwide collects, uses, and discloses personally identifiable information from its users. By accessing or using the Website, you consent to all actions we take with respect to your information consistent with our Privacy Policy, including our use of cookies.

Loans offered by Nationwide are available only to U.S. citizens and permanent residents who currently reside in the United States. Nationwide makes no claims regarding access to or use of the Website outside of the United States. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

Nationwide may provide you with notices by email, regular mail, or postings on this Website. Notice will be deemed given twenty-four (24) hours after an email is sent, unless Nationwide is notified that the email address is invalid. If notice is given by mail to a postal address you provided, notice will be deemed given three (3) calendar days after the date of mailing. All notices to Nationwide must be made in writing using the contact information below.

These Terms of Use shall be construed, interpreted, and performed exclusively according to the laws of the State of California, without giving effect to any principles of conflicts of law. Subject to the arbitration provision above, you agree that any action at law or in equity arising out of or relating to these Terms of Use or this Website shall be filed only in the federal or state courts located in the State of California, and you consent to the personal jurisdiction of such courts.

These Terms of Use may not be assigned by you. Nationwide may assign its rights and obligations under these Terms of Use at any time.

Should any part or provision of these Terms of Use be held unlawful, void, invalid, or unenforceable, that portion shall be deemed severable and shall not affect the validity and enforceability of any remaining provisions.

Except as provided herein, these Terms of Use constitute the entire agreement between you and Nationwide pertaining to their subject matter. Certain provisions may be superseded or supplemented by legal notices or terms located on particular pages of this Website, and any loan you obtain will be governed by your loan agreement and related disclosures.

Nationwide’s failure to enforce any provision of these Terms of Use shall not be deemed a waiver of such provision or of its right to enforce such provision.

These Terms of Use and any related documents may be accepted in electronic form, and your acceptance will be deemed binding between you and Nationwide.

These Terms of Use take effect when you begin using the Website. Nationwide reserves the right, with or without notice, at any time and for any reason, to deny you access to the Website or any portion of it and to terminate these Terms of Use. These Terms of Use will terminate automatically if you fail to comply with them. You may terminate these Terms of Use at any time by ceasing to use the Website, but all applicable provisions will survive termination.

By providing your mobile number and opting in, you agree to receive text messages from Pathway Lenders LLC d/b/a Nationwide Direct Loans on behalf of our Clients related to the program you joined (e.g., alerts, updates, and offers). Message frequency may vary. Message & data rates may apply. You can opt out at any time by replying STOP; reply HELP for help. Providing a mobile number and consent to SMS is optional and is not required to purchase any goods or services. Mobile carriers are not liable for delayed or undelivered messages.

We respect your privacy. Mobile information collected through our SMS programs, including your mobile phone number, consent status, and messaging preferences, will not be shared, sold, rented, or disclosed to third parties, affiliates, or other companies for marketing or promotional purposes. Mobile numbers, consent status, and messaging preferences are used only to deliver the messages you consented to receive and solely to deliver the Services on behalf of our Clients, such as notifications, alerts, or communications directly related to the program you joined.