Capital One is committed to your privacy. Our goal is to maintain your trust and confidence when handling personal and financial information about you.
This U.S. Online & Mobile Privacy Practices Statement ("Statement") describes Capital One's online and mobile privacy practices and applies to anyone who visits our websites, Capital One-branded social media sites or pages, or uses our mobile applications. The term "Capital One" or "we" or "us" or "our" in this Statement means U.S. affiliates or subsidiaries of Capital One linking to this Statement.
Information that you provide to Capital One when you apply for or obtain a product or service from us is covered in our Capital One Privacy and Opt-Out Notice. For more information about our privacy practices, please refer to that notice for additional information about our privacy practices.
By using this website or our mobile applications, you agree to the terms and conditions of this Statement.
Information We Collect
When you use our website or our mobile applications, we may collect data from you that generally falls into one of two categories:
"Personal Information" - This is information like your name, mailing address, email address, telephone or wireless phone number, social security number, or other information that identifies you.
"Online/Mobile Activity Data" - This is data such as your IP address, browser type and language, and your display/screen settings. It also relates to data about how you use or interact with our website and mobile advertisements, data about your mobile device, advertising identifiers, geolocation data, social media preferences and other social media data, and other data that may be aggregated and/or de-identified (information that doesn't identify individual Consumers/Customers).
How We Collect Information
When You Use or Visit Our Website
Capital One may collect information about you when you browse our website or use our online services. We may collect Personal Information when you voluntarily provide it to us through forms on our website or in our mobile applications (i.e. surveys, bank account applications, contest entries, and sign in pages for online or mobile banking).
When You Use Our Mobile Apps
Additionally, Capital One may collect Online/Mobile Activity Data when you access our mobile applications or use the browser on your mobile device to access our website. For example, if you have enabled location services on your mobile device, we may collect geolocation data from your device.
When You Use Our Social Media Pages
How We Use Information
We may use Personal Information and Online/Mobile Activity Data we have collected for a variety of reasons. For example, we may use this type of data:
to enable you to apply for and open Capital One products or services
to enable you to use online tools or perform certain online transactions
to service and manage your accounts including responding or updating you on questions or to contact you about your accounts
to offer you special products and services and deliver advertisements to you in the form of banner ads, splash ads (ads that appear as you sign in or sign out of viewing your online accounts) or promotions based on your location
to verify your identity and/or location to allow access to your accounts, conduct online transactions and assist us in taking data security precautions and to engage in fraud prevention/detection
for business purposes, including data analysis, to improve, personalize, optimize your website browsing and mobile application experiences by examining which parts of our website you visit, which aspect of our mobile applications you find most useful, and to improve existing or develop new products and services
to comply with federal, state or local laws; civil, criminal or regulatory investigations; or other legal requirements
to share with companies within the Capital One family, and with trusted third parties who are contractually obligated to keep such information confidential and to use it only to provide the services we have asked them to perform (For a description of how Capital One may share information collected from consumers who have applied for or obtained a product or service from us, please refer to the Capital One Privacy and Opt-Out Notice.
Managing Your Online & Mobile Preferences
You provide Personal Information to us on a voluntary basis and are not required to provide it in order to browse our websites. If you provide us with Personal Information to obtain a product or service, our Capital One Privacy and Opt-Out Notice will govern how we share your Personal Information with our affiliates and third parties and will enable you to opt out of certain types of sharing.
Online Tracking & Advertising on our Sites or Apps
As you access our online services over time, cookies and similar technologies such as web beacons allow us to collect information such as browser type, pages visited, preferences, and your relationship with us. Capital One may customize content and advertisements for our products and services on the websites or mobile apps we own. In order to make the content and advertising as informative and useful as possible, we may use information about your relationship with us (such as types of accounts, transactional information or the state in which you bank). Currently, for online advertising purposes, our website does not respond to browser "do not track" signals, but these signals may be used for fraud prevention. However, if you choose, you can set your website browser to inform you when cookies are sent or you may choose not to accept cookies. Your decision not to accept cookies could limit access to some of the services and offers that are available on our website. For example, your device may not be recognized when you visit our website and, if you are an online banking customer, you may need to answer challenge questions each time you log on. You also may not receive advertising or other offers from us that may be of interest to you.
Some mobile devices come with a non-permanent advertising identifier or ID, which gives companies the ability to serve targeted ads to a specific mobile device. In many cases, you can turn off mobile device ad tracking or reset the advertising identifier at any time within your mobile device privacy settings. You may also choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant because they will not be based on your interests.
Behavioral Advertising on Third Party Sites
Certain Capital One partners may use unique cookies to collect Mobile/Online Activity Data in order to advertise Capital One products and services that may be of interest to you. Our partners are subject to their own privacy policies. If you prefer to not have our partners display such advertisements to you, you may opt out by visiting www.aboutads.info/choices or by clicking on the AdChoices icon in an advertisement and following the instructions. You may also opt out of receiving behavioral ads from many sites through the Network Advertising Initiative's (NAI) Opt-Out Tool or other tools provided by the publishing platform. Opting out relies on information in the unique cookies placed on your web browser by our partners, so if you delete cookies, use a different device, or change web browsers, you may need to opt out again. Additionally, we may partner with websites like Google and Yahoo to display ads to you based on search terms you use on those websites. Please review the privacy policies of those websites for instructions on how to limit these ads.
Please note that you may still receive general online advertising from Capital One even after you adjust your ad preferences with certain web search engines or opt out of online advertising through AdChoices or the NAI tool. However, such advertising will not be based on Online/Mobile Activity Data or search term information.
If we send you an email advertisement, it will include instructions on how to opt out of receiving such emails in the future. If you are a Customer and you elect to opt out of receiving email advertisements, we may still send you emails about your account relationships with us. To opt out of receiving email advertisements, you may submit your request at https://preferences.capitalone.com. If your name was previously selected for any of our upcoming email offers, it is possible for you to receive information from Capital One up to 10 business days after your request has been submitted.
If you receive an email that claims to be from us but you are not sure, or if you think it is suspicious, do not click on any of the links in the e-mail. Instead, forward it to us at firstname.lastname@example.org then delete it. For more email security tips, see the Capital One Fraud and Identity Theft page www.capitalone.com/applications/identity-protection/commitment/.
Updating Your Information
Keeping your account information up-to-date is very important. You may review, or update certain account information by signing in to view your account online. If you can't change the information online, or you prefer to request changes offline, please reference our Contact Us page for various ways to get in touch with us.
Protecting Children's Online Privacy
Capital One encourages protection of children's information on the internet. We don't intentionally collect personal information from children under 13 on our website without first obtaining consent from their parents or legal guardians. For more information about the Children's Online Privacy Protection Act (COPPA) please refer to the FTC's website at http://www.ftc.gov/privacy/privacyinitiatives/childrens.html.
Our websites may include links to third-party websites. These third parties are not subject to this Statement or to the Capital One Privacy and Opt Out Notice. Whenever you visit a third-party website, you should review its privacy notice.
At Capital One, we make your safety and security a top priority and are committed to protecting your personal and financial information. If we collect identifying information from you, we will protect that information with controls based upon internationally recognized security standards, regulations, and industry-based best practices.
Capital One maintains Customer authentication procedures to protect your personal information and account from identity theft. These procedures are for your protection. If you suspect a website is pretending to be a Capital One website (also known as "spoofing"), don't enter personal information, just Contact Us or email email@example.com.
For more information about our commitment to security and for tips about what you can do to help guard against fraud and identity theft, visit our Fraud and Identity Theft Prevention page at www.capitalone.com/applications/identity-protection/commitment/.
Changes to this Statement
This Statement describes Capital One's current online privacy practices. These privacy practices are subject to change at any time. This Statement is effective as of November 19, 2015.