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This notice applies to (collectively, referred to as
“you”):
- Customers
- Former Customers
- Applicants
Our Privacy Commitment to You:
At Capital One,®1 we are committed to providing you with
financial products and services to meet your needs. Our commitment includes
protecting the personal information we retain about you (referred to as
“information” in this notice) when you apply for or obtain a product or
service from us to be used primarily for personal, family or household
purposes.
We want to earn your trust by using strict safeguards to protect
information about you as we continue to bring you our products and
services. Please read this notice to learn more about privacy and data
security at Capital One. Our Privacy Notices will include a “Last Revised”
date at the bottom, and you can always read our most up to date notice by
visiting www.capitalone.com.
Data Collection & Security
I. Why we Collect & Share Information
By knowing more about our customers, we as well as our business
partners can provide specialized products and services that may be of
interest to you and your family. We may also be able to improve upon your
experience when contacting us or using one of our products. Additionally,
we may collect and share information to help protect you from identity
theft and fraud. For example, we may verify your identity when you open an
account with us and when you make transactions.
II. We Collect Information about You from the Following Sources
- Applications,
questionnaires and other forms you submit (information such as your
name, address, social security
- number, assets and
income).
- Your transactions
with us and others (information such as account balances, fees,
payment history, checks, parties to transactions and account usage).
- Our communications
with you regarding account activity.
- Credit bureaus (to
determine your eligibility for credit or other financial products).
- Public sources,
including census data and real estate records.
- List vendors and
membership lists, including magazine subscription lists.
- Web-based tools when
you visit our Web sites, including “cookies.”
- Telephone calls,
which we may monitor or record when we communicate with you.
III. Our Security Practices
Our Safeguards for Information Confidentiality and Security:
- We maintain physical
safeguards, such as secure areas in buildings; electronic safeguards,
such as passwords and encryption; and procedural safeguards, such as
customer authentication procedures to protect against ID theft.
- Access to
information about you is restricted to authorized employees obtaining
that information for business purposes.
- We carefully select
and monitor the outside companies we hire to perform services for us,
such as mail vendors who send out our statements. We require them to
keep customer information safe and secure, and do not allow them to
use or share the information for any purpose other than the job they
are hired to do.
- We train our
employees on these security procedures, and we conduct regular audits
to verify compliance with them.
Information Sharing
We May Disclose Information that We Collect as Described
Above to the Following Entities:
- Other companies in
the Capital One family, as described at the end of this notice.
- Financial service
providers, such as securities broker-dealers or insurance companies.
- Non-financial
companies, such as retailers, data processors, and advertisers.
- Carefully selected
business partners (e.g., so they can alert you to their products and
services).
- Companies that
perform marketing services on our behalf or to other financial
institutions with whom we have joint marketing agreements (CA
Residents: Other than as required or permitted by law, we will not
disclose information about you to other financial service providers
with which we have joint marketing agreements unless you authorize us
to do so).
- Other third parties,
including non-profit organizations, as required or permitted by law,
or when you permit us to share information about you.
Choices You May Make for Your Privacy
You may choose to limit the way we share information about you. You
may also choose to limit the solicitations we send you. These choices are
referred to as “opt-outs.”
Reminder: If you have previously opted out in response to a
Capital One privacy notice there is no need to opt out again, unless you
are modifying your previously selected preferences (see “How to Opt Out”
below).
I. Sharing of Information Outside of the Capital One Family of
Companies
If you do not want us to disclose information about you outside the
Capital One family of companies, you may choose to opt out of those
disclosures. In other words, you may tell us not to share this information
and we will not, except in those cases where we may be required or
permitted by law. For example, required disclosures may be made to law
enforcement and banking regulators, while permitted disclosures may be made
to vendors assisting us in opening, maintaining or servicing your account.
(CA and VT Residents: To the extent state law applies, we will not disclose
information about you outside the Capital One family of companies, except
as required or permitted by law.)
II. Use and Sharing of Information Among Companies in the
Capital One Family
Affiliate Sharing—We may share your credit information within the Capital
One family of companies. Credit information includes financial information
you may share with us or credit history that we may obtain from credit
bureaus. If you do not want us to share your credit information with other
companies in the Capital One family, you may choose to opt out. (VT
Residents: To the extent state law applies, we will not disclose credit
information about you within the Capital One family of companies except as
required or permitted by law.) If you opt out, we will not share your
credit information with other companies in the Capital One family.
Affiliate Marketing—Companies in the Capital One family
may market their products and services to you based on information received
from other companies in the Capital One family. This may include any
information collected about you including your income, your account
history, and your credit score. If you would like to limit the offers you
may receive based on this shared information, you may choose to opt out. If
you opt out, we will not market products or services to you based on
information received from other companies in the Capital One family except
as expressly permitted by law. This limitation will not apply in certain
circumstances, such as if you ask to receive information from a Capital One
company.
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III. Limits on Solicitations from Us
You may tell us not to solicit you at your mailing address, telephone
number or e-mail address for products and services that are not directly
related to your account. We may still offer you new products and services
as part of our regular communications with you (such as your monthly
statement or customer service e-mails).
IV. How to Opt-Out
Your opt-out choices will apply until you tell us to change them. If
you have previously opted out based on an earlier privacy notice provided
by one of the companies in the Capital One family (even if the notice was
provided by the Capital One company under its former name) and would like
to keep the same preferences, you do not need to opt out again.
Applicants: Unless otherwise notified, applicants who
do not become our customers may not make certain privacy elections. To
exercise one or more of your opt-out choices described:
- Call us toll free:
1-888-817-2970
- Hearing Impaired:
1-800-206-7986
- To opt out of e-mail
solicitations go to http://preferences.capitalone.com
Joint/Multiple Accounts:
Your opt-out choices will apply to all of your accounts within the
Capital One family of companies, including joint accounts. For a joint
account, an opt-out choice made by any joint account holder will apply to
all account holders.
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Important Information About Credit Reporting
We may report information about your account to credit bureaus. Late
payments, missed payments or other defaults on your account may be
reflected in your credit report.
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NV Residents: Pursuant to state law, if you would like more information
about opting out of telephone solicitations contact us at 1-888-817-2970;
Hearing impaired 1-800-206-7986. If you would like more information about
Nevada’s law regarding corporate do-not-call registries, please contact the
Bureau of Consumer Protection, Office of the Nevada Attorney General at 555
E. Washington Street, Suite 3900, Las Vegas, Nevada 89101 (Phone:
1-702-486-3132, E-mail: BCPINFO@ag.state.nv.us)
TX Residents: Capital One Auto Finance, Inc., is registered under the
laws of the State of Texas
and by state law is subject to regulatory oversight by the Office of
Consumer Credit Commissioner. Any consumer wishing to file a complaint
against Capital One Auto Finance should contact the Office of Consumer
Credit Commissioner through one of the means indicated below: In Person or
U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone
No.: 1-800-538-1579. Fax No.: 1-512-936-7610. E-mail: consumer.complaints@occc.state.tx.us.
Web site: www.occc.state.tx.us
For More Information About Our
Privacy Practices:
Write to us at P.O. Box 30285,
Salt Lake City, UT 84130-0285
Visit our Web site at www.capitalone.com
Companies Providing this Notice
The Capital One family of companies includes companies controlled by
Capital One Financial Corporation, such as those starting with “Capital
One,” “Hibernia,” “NorthFork” or “GreenPoint.” These companies include, but
are not limited to:
- Capital One Bank (USA),
National Association
- Capital One,
National Association
- Capital One Health
Care Finance
- Capital One
Southcoast, Inc.
- Capital One
Insurance Agency, Inc.
- Capital One
Financial Advisors, L.L.C.
- Capital One Funding,
L.L.C.
- Capital One Agency
Corporation
- Capital One
Investment Services
- Capital One
e-Commerce, Inc.
- Consumers Direct
Agency, Inc.
- Capital One Auto
Finance, Inc.
- Capital One Home
Loans, L.L.C.
- Onyx Acceptance
Corporation
- The Westmoreland
Agency, Inc.
- GreenPoint Mortgage
Funding, Inc.
Unless you are expressly told otherwise and provided a separate
privacy notice, this notice applies to all companies within the
Capital One family of companies.
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Privacy and Security Tips
- Protect your
information. Never give your Social Security number or personal
credit information over the phone or the Internet unless you
initiate the communication. Keep your personal identification number
(PIN) and password in a safe place. Try to memorize your PIN and
password and do not write them down with your account information.
- Destroy and/or
securely store your account records . Tear or shred receipts, bank
statements and unused credit card offers. Keep billing statements
and other account related documents in a safe place.
- Immediately report
lost or stolen checks or credit cards.
- Don’t carry your
personal identification numbers (PINs).
- Promptly review
all account statements and immediately report any discrepancies to
your financial institution.
- Retain receipts
from all ATM, debit and credit card transactions. When you’re ready
to dispose of them, make sure your account number is not readable.
- Immediately sign
new credit cards.
- Report unusual
telephone or e-mail inquiries or other suspicious activity to your
telephone company or local law enforcement authorities.
- Regularly review
your credit report. Keeping your credit report error-free is
important. Order a copy of your credit report and immediately alert
the credit bureau, as well as the specific creditor, of any
mistakes. See www.ftc.gov for more
information on how to request one free credit report per year from
each credit bureau.
The three national credit bureau agencies are:
Equifax - www.equifax.com
1-800-685-1111
Experian - www.experian.com
1-888-397-3742
TransUnion - www.transunion.com
1-877-322-8228
- If you lose your
credit card or suspect that you have been a victim of identity
theft, immediately notify your creditors, local law enforcement and
the credit bureau agencies listed above. If you think your identity
has been stolen, you may want to visit http://www.consumer.gov/idtheft,
sponsored by the Federal Trade Commission
- Update your
personal information as necessary by calling us using the customer
service number on your account statement or visiting your local
banking office.
- Learn about the
Children’s Online Privacy Protection Act (COPPA). Follow the tips
for parents at the Federal Trade Commission’s Web site for
children’s privacy at http://www.ftc.gov/bcp/conline/edcams/kidzprivacy/index.html.
We respect the privacy of your children, and we comply with the
COPPA. We do not knowingly collect or retain personally identifiable
information from individuals under the age of thirteen online.
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