Last modified 07/29/2026

This Agreement governs your use of Capital One’s services to share data you have at third parties with Capital One (the “Service”). We refer to Capital One, its affiliates and related entities as “we,” “us” and “our.” This includes Capital One Financial Corporation, Capital One, N.A. and each of their successors, assigns, agents, and representatives. Capital One’s offices are located at 1680 Capital One Drive, McLean, Virginia.

Before using the Service, please read this Agreement. You accept this Agreement by using the Service. If you don’t accept these terms, you may not use the Service.

This Agreement is in addition to other agreements that may apply to you, including your Capital One credit card, checking, savings, auto loan, Shopping, and CreditWise account(s) (“Account” or “Accounts”) agreements, our Online Banking Terms and Conditions, and our Online Privacy Policy. If there is a conflict between this Agreement and other policies or terms, solely as they apply to the Service, this Agreement governs. The terms of this Agreement are not intended to modify any disclosures or other terms that are required by law. Please also visit www.capitalone.com/privacy for information about how Capital One collects, uses, and discloses personal information in connection with the Service.
 

1. How it works. The Service allows Capital One to collect information related to your accounts at other companies, including banks and financial institutions (“External Account(s)”). For example, Capital One may collect information about a checking account you have with another bank.
    
2. Accessing and Collecting Your Data. With your permission, we may access and collect information from your External Accounts (“External Account Information”). External Account Information includes any data about your External Accounts that you give us permission to collect, which may include account numbers, ownership information, account types, past and current balances, payment information, and account transactions. 
    
3. Use of External Account Information. We may use External Account Information for any purpose that you authorize.  Additionally, we may also use External Account Information as disclosed in our Online Privacy Policy, including to:
    

   • Improve or create products and services, including by using External Account Information to develop and train our models.
   • Personalize and send you offers for products and services, and evaluate or improve the effectiveness of our marketing efforts.
   • Prevent fraud and other unlawful activity.
   • Comply with legal requirements and contractual obligations.

   If you authorize us to use your External Account Information to assess and make decisions about the terms of your accounts and eligibility for credit, products, and services, we may make a decision that results in less favorable terms for you or that you are no longer eligible for certain products and services.  For example, we may use External Account Information to review your creditworthiness and decide to decrease your existing credit limits or purchasing power. 
   
   We may also anonymize, de-identify, or aggregate (“depersonalize”) your External Account Information such that it no longer identifies you personally under applicable law.  We may use depersonalized External Account Information for any lawful purpose.
    
4. Authorization to Access Data; Using Service Providers. We’ll ask you to either (a) sign in directly on your External Account provider’s website; or (b) authorize our service provider to sign into your External Account provider’s website on your behalf using your login information. Your login information includes your username, password, security questions and answers, and any other information required to log into your External Account. We will tell you if we use a service provider to access your External Account Information. You understand the service provider may have access to and may store your External Account Information and login information. This is in addition to information Capital One may receive. Any External Account Information held by the service provider is subject to the service provider’s privacy policy and any other terms of service to which you agree.
   
   Our current service providers include Mastercard International Inc. (“Mastercard”) and MX Technologies, Inc. (“MX”). You can view these companies’ privacy policies on their websites:
    

   • Mastercard – https://www.mastercard.com/us/en/business/open-finance/privacy.html/
   • MX – https://www.mx.com/privacy/

   We reserve the right to use other third-party service providers to access and collect External Account Information in the future.
    
5. Your Credentials and Authorization to Access External Accounts. By presenting your login information to access an External Account, you represent that the login information is yours or you are authorized to access the account. You also authorize us and our service providers to use your login information to retrieve External Account Information for all of your accounts with that provider.
    
6. Access Duration. We will tell you if we intend to access your External Account Information once or on a recurring or ongoing basis. 
    
7. Disconnecting an External Account. You can revoke our right to continue accessing an External Account at any time by logging into our website or mobile app. 
    
8. Accuracy and Availability. Your External Account provider(s) and our service providers, if applicable, are responsible for the accuracy and availability of your External Account Information. External Account Information may not be available from all financial institutions.
    
9. Consumer Reports under the Fair Credit Reporting Act. The External Account Information we obtain may be considered a consumer report subject to the Fair Credit Reporting Act (“FCRA”). If required, you agree that Capital One has a permissible purpose under the FCRA to access any External Account Information. 
   
   Mastercard’s collection of External Account Information is done via a wholly-owned subsidiary named Finicity Corporation (“Finicity”).  Finicity is a consumer reporting agency under the FCRA.  If you would like to obtain a copy of your External Account Information, or dispute inaccurate or incomplete information with Mastercard, please contact them at https://www.mastercard.com/us/en/business/open-finance/consumer/consumer-portal/how-to-dispute-information-in-your-finicity-report.html, (855) 263-3072, or via mail at:
    

   Mastercard Attn Open Finance Compliance
   2200 Mastercard Boulevard
   O’Fallon, MO 63368-7263

10. Changes or Amendments. We may change, suspend, or discontinue the Service or any part of it, at any time without notice. We may amend this Agreement at our sole discretion by posting revised terms on our website at www.capitalone.com/digital/external-accounts-terms-conditions. Unless otherwise indicated, when you use the Service after the effective date of the revised terms, you accept the terms.
     
11. Termination. Your rights under this Agreement will cease without notice if you fail to comply with any of its terms. In such a case, we may immediately stop the Service.
     
12. Notices. We may provide you with notices related to the Service by email, text message/SMS/RCS, regular mail, push notifications, or postings on the websites or apps related to the Service. By providing your mobile number, you consent to receive autodialed and prerecorded / artificial calls, including text messages, from Capital One and its agents. Message and data rates may apply. Your use of the Service is subject to the consent you provided to the Electronic Communications Disclosure section of our Online Banking Terms and Conditions. This allows us to provide you with certain communications and other records electronically. 
     
13. Tech Support. Capital One may not be able to provide support for the Service. You agree to any support rules and policies governing the access and use of the Service. 
     
14. Feedback. You agree that any suggestions, comments, and feedback you submit to Capital One (“Feedback”) shall be the property of Capital One. Capital One is free to use any Feedback without any restriction of any kind. This includes without limitation the right to reproduce, display, transform, distribute and create derivative works. Capital One can also use any ideas, concepts, know-how or techniques in such Feedback for any purpose.
     
15. Disclaimer of Warranty. CAPITAL ONE PROVIDES THE SERVICE "AS IS." CAPITAL ONE MAKES NO EXPRESS OR IMPLIED WARRANTY OR REPRESENTATION. CAPITAL ONE DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. NO ORAL OR WRITTEN ADVICE OR INFORMATION GIVEN BY US CREATES ANY KIND OF WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.
     
16. Limitation on Liability & Damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU ASSUME ALL RISK THAT MAY RESULT FROM YOUR USE OF THE SERVICE. YOU AGREE NOT TO HOLD US LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES RELATING TO YOUR ACCESS OR USE (OR INABILITY TO ACCESS OR USE) THE SERVICE, REGARDLESS OF WHETHER THEY’RE BASED ON WARRANTY, CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY. THIS INCLUDES WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES. THE SERVICE MAY SOMETIMES BE DOWN, DELAYED, INTERRUPTED, OR NOT WORK PROPERLY. CAPITAL ONE IS NOT LIABLE TO YOU FOR ANY INTERRUPTIONS OR UNAVAILABILITY OF THE SERVICE. CAPITAL ONE HAS NO OBLIGATION TO CORRECT ANY BUGS, DEFECTS, OR ERRORS IN CONNECTION WITH THE SERVICE.
    
    IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE SERVICE.
    
    IN STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, OUR LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW BUT SHALL, IN NO EVENT, EXCEED TEN DOLLARS ($10).
     
17. Indemnification. You agree that you are personally responsible for your conduct while using the Service. You agree to indemnify, defend, and hold harmless Capital One and our respective owners, affiliates, directors, officers, employees and agents from claims, losses, expenses, liability, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, caused by, or arising out of your use, misuse, or inability to use the Service. This includes any violation by you of these terms. This provision will survive the expiration or termination of this Agreement.
     
18. Governing Law; Jurisdiction; Venue. Virginia law governs this Agreement without regard to its conflicts of law principles. To the extent permitted under any applicable law, this Agreement will not be subject to the Uniform Computer Information Transactions Act as codified or amended. You irrevocably and unconditionally submit to the jurisdiction and venue of the United States District Court for the Eastern District of Virginia. If this court does not have subject matter jurisdiction, then you submit to the courts of Virginia located in Henrico or Fairfax County.
     
19. SPECIAL NOTICE FOR CALIFORNIA USERS. Under California Civil Code Section 1789.3, certain users of the Services from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. You may contact us at:
     

    Capital One
    Attn: Legal Notice
    PO Box 30285
    Salt Lake City, UT 84130-0285

20. Capital One’s Intellectual Property. Capital One owns the intellectual property rights related to or used in connection with the Service. This includes patents, trade secrets, copyrights, and trademarks. All other intellectual property rights are the property of their respective owners. Nothing in this Agreement gives you any rights with respect to any intellectual property rights owned by Capital One or others. All other trademarks and graphics are the property of their respective owners.
     
21. Severability. If any part of this Agreement is void or unenforceable, all remaining terms shall remain valid and enforceable. 
     
22. Non-Waiver. We shall not be deemed to have waived any of our rights or remedies unless such waiver is in writing and signed by us. No delay or failure on our part to exercise any right or remedy shall be a waiver of that or any other right or remedy. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies in the future.