Effective: January 1, 2020
This California Consumer Privacy Act Disclosure (“CCPA Disclosure”) explains how Capital One Financial Corporation and its U.S. affiliates (collectively, “Capital One,” “we,” “us,” or “our”) collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”). It also describes the privacy rights of California residents under the CCPA and how they can exercise those rights.
This CCPA Disclosure applies solely to California residents and supplements any other privacy policies or notices applicable to the Capital One services that you visit or use.
Under the CCPA, “personal information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.
The CCPA does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and certain other state or federal privacy laws. For example, this CCPA Disclosure does not apply to information that we collect about individuals who seek, apply for, or obtain our financial products and services for personal, family, or household purposes, which is subject to our U.S. Consumer Privacy Notice, or other financial privacy notice applicable to the Capital One services that you visit or use.
This CCPA Disclosure also does not apply to information that we collect in connection with providing products or services to other businesses (such as our commercial or small business customers) or when receiving products or services from our suppliers. Similarly, it does not apply to information we collect in the context of a person’s role as a job applicant, employee, associate, contractor, or other member of the Capital One workforce, which is subject to our Capital One Workforce CCPA Disclosure.
Most of the information we have collected has been collected in the context of providing financial products and services, and is therefore not subject to the CCPA. We also collect personal information relating to California residents in other contexts, including in connection with our marketing activities, our websites and mobile applications, and certain Capital One locations (such as when you use guest WiFi at a Capital One Cafe).
In the past 12 months, we have collected the following categories of personal information, as defined in the CCPA, relating to California residents. The categories of personal information that we collect, use, and disclose about a California resident will depend on our specific relationship or interaction with that individual, and the examples provided in each category below are for illustrative purposes only.
|CCPA Categories||Illustrative Examples|
|Identifiers||Name, address, email address, online identifiers, internet protocol address, Social Security numbers, or other similar identifiers|
as defined in the California Customer Records Act, Cal. Civ. Code § 1798.80
|Contact and financial information|
|Protected classifications under California or federal law||Age, marital status, sex, and veteran or military status|
|Commercial information||Information about past transactions or purchases|
|Biometric information||Behavioral characteristics derived from interactions with our websites or mobile apps|
|Internet or similar network activity information||Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement|
|Geolocation data||Device location|
|Audio, electronic, visual, or similar information||Call and video recordings|
|Inferences drawn from other personal information||Certain inferences concerning an individual’s preferences and characteristics|
In the past 12 months, we have collected personal information relating to California residents from the following sources:
Most of the information we use is in the context of providing financial products and services, and is therefore not subject to the CCPA. We may use personal information relating to California residents for one or more of the following business purposes:
We may also use personal information relating to California residents for one or more of the specific “business purposes” listed in the CCPA:
In the past 12 months, we have disclosed each of the above-listed categories of personal information for our business purposes to one or more of the following categories of third parties:
In the past 12 months, we have not shared personal information relating to California residents in a manner that we consider a sale within the meaning of the CCPA.
If you are a California resident, you may request that we disclose to you the following information covering the 12 months preceding your request:
California residents also have the right to submit a request for deletion of personal information under certain circumstances, although there may be legal or other reasons that Capital One will retain your information.
In some instances, we may decline to honor your request. For example, we may decline to honor your request if we cannot verify your identity or confirm that the personal information that we maintain relates to you, or if we cannot verify that you have the authority to make a request on behalf of another individual. In other instances, we may decline to honor your request where an exception applies, such as where the disclosure of personal information would adversely affect the rights and freedoms of another consumer or where the personal information that we maintain about you is not subject to the CCPA. Nonetheless, you have the right to be free from unlawful discrimination for exercising your rights under the CCPA.
If you are a California resident and would like to exercise the rights described above, please submit your request by:
Once we receive your request, we may verify your identity through your account or by requesting information sufficient to confirm your identity. If you would like to use an agent to exercise your rights, we may request evidence that you have provided such agent with power of attorney or that the agent otherwise has valid written authority to submit requests to exercise rights on your behalf, in addition to verifying your identity or the identity of your agent.
We may change or update this CCPA Disclosure in the future. When we do, we will post the revised CCPA Disclosure on our website. This CCPA Disclosure was last updated and became effective on the date posted at the top of this page.