Privacy & Security

Online Privacy Practices

Our website offers you the opportunity to view your current account information and make payments online, in addition to providing general information about our company and products. You may also view our Privacy Notice when you visit our website.

To help us learn which products, services and sections of our websites interest you, and to improve your experience, we use "cookies." Cookies are small files that our web server places on your hard drive to track activity on the website during a browsing session, and across multiple sessions. We also use cookies to "remember" which online service you last logged into, so that we can pre-select that service on your next visit. The cookies we set contain no personal information. Capital One Cookies can only track activity on our website, and cannot be read by any non-Capital One websites.

We may also use online profiling to help us better understand your individual financial needs. This information does not identify you personally unless you voluntarily give us personal information while online.

We use third party advertising companies to serve ads on our behalf across the Internet. These third-party advertising companies employ cookie and 1x1 pixel.gif (web beacon) technology to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date/time of banner ad shown, their cookie, and IP address among the data that is collected. They do not collect personally identifying information. This information can also be used for online preference marketing purposes. Information about your visits to this and other Web sites may be used to provide ads about goods and services of interest to you. If you would like more information about this practice or to opt-out of these cookies, please visit the ‡.

In order to develop our website in line with customer needs we work with WebTrends to track usage on our website. WebTrends provide us with statistics to show us which pages on our website are visited most frequently and how long visitors spend on our site. We use this information to help us plan how we should improve the site.

WebTrends uses a cookie to track the number of unique users of the site. It basically tells us whether we have a small number of regular visitors to the site or a large number of infrequent visitors. None of the information can be traced to an individual - we do not know who you are as a unique user, merely that there are a certain number of people using the site. You should refer to the ‡ to learn how they collect and use information.

Last revised: May, 2012

Security

Security Information

We understand that security is a prime concern for our customers, and our website strives to offer a high level of security:

All Internet access must be completed using a browser that supports SSL encryption. All communications between you and our website are encrypted by a 128 bit secure link to protect the confidentiality of your data. State of the art monitoring systems and firewalls are used to prevent unauthorized access to our systems.

Users are required to select their own Login ID and Password when they sign up, and can change it at any time.

The website will automatically log off after a period of inactivity during any session to protect your information.

Only carefully trained professionals and companies who service your account have access to your personal information.

We diligently maintain security measures that comply with applicable federal standards.

Visit our Information Protection Center to learn about our strict standards and procedures to prevent online fraud, phishing and spoofing scams.

† Viewing PDF files requires the use of Adobe® Reader®‡.

Website Terms and Conditions

Copyright and Other Intellectual Property

Capital One or its affiliated companies or subsidiaries (collectively "Capital One and/or its Affiliates") is the owner or the authorized user of this website and certain other websites linked to the site, as well as all text, images, graphics, photos, animation, music, sounds and other materials contained within these websites.

The materials contained within these websites, including, without limitation, any copyrights, trademarks, service marks, and all other proprietary materials, are protected by the U.S. and international copyright laws and treaty provisions, trademark laws, and other proprietary rights laws. The material contained within these websites is provided by Capital One and/or its Affiliates only for lawful uses by customers, employees, and members of the general public. The material may not be copied, republished, incorporated into another website or reproduced (whether by linking, framing, or any other method), transmitted, distributed, uploaded, posted, used to create a derivative work or exploited in any other way without the express written consent of Capital One.

Capital One holds a license to practice U.S. Patent Nos. 6,405,181; 6,567,791; and 7,143,063.

Limited Liability

NEITHER CAPITAL ONE, ITS AFFILIATES OR SUBSIDIARIES, OR ANY OTHER PARTY INVOLVED IN THE CREATION, PRODUCTION OR DELIVERY OF THE INFORMATION AT THIS SITE, NOR THE OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES OF ANY OF THE FOREGOING, ARE LIABLE IN ANY WAY FOR ANY DIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THIS SITE OR THE USE OF THIS SITE OR A LINKED SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE OR A LINKED SITE, WHETHER OR NOT CAPITAL ONE IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES, TROJAN HORSES OR HARMFUL CODE THAT MAY AFFECT A USER'S EQUIPMENT, ANY INCOMPATIBILITY BETWEEN THIS SITE'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, FAILURE OF ANY ELECTRONIC OR TELEPHONE EQUIPMENT, COMMUNICATION OR CONNECTION LINES, UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, OR ANY FORCE MAJEURE. CAPITAL ONE DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THIS SITE OR A LINKED SITE. THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THE LINKED SITES ARE NOT INVESTIGATED, VERIFIED, MONITORED OR ENDORSED BY CAPITAL ONE. THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTION OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND CAPITAL ONE SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION ON THE SITE AND LINKED SITES. CAPITAL ONE MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.

NO WARRANTIES

ALL PRODUCTS, SERVICES AND CONTENT ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. NEITHER CAPITAL ONE NOR ITS AFFILIATES OR SUBSIDIARIES ENDORSES AND NONE ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY INFORMATION ON THIS SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON THIS SITE. CAPITAL ONE SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE INFORMATION ON THE SITE.

USER AGREES TO INDEMNIFY, DEFEND, AND HOLD CAPITAL ONE HARMLESS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES RELATED TO A USER'S VIOLATION OF THESE TERMS OF USE OR THE USE OF THE SERVICES AND INFORMATION PROVIDED AT THIS SITE.

Links

Clicking on certain links within this website or certain other websites that are linked to this website may take you to other websites, or may display information on your computer screen from other websites, which are not maintained by Capital One. Such websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to this website. Links to other Internet services and websites are provided solely for the convenience of users. A link to any service or website is not an endorsement of any kind of the service or website, its content, or its sponsoring organization.

CAPITAL ONE AND ITS AFFILIATES AND SUBSIDIARIES ASSUME NO RESPONSIBILITY OR LIABILITY WHATSOEVER FOR THE CONTENT, ACCURACY, RELIABILITY OR OPINIONS EXPRESSED IN A WEBSITE, TO WHICH THIS SITE IS LINKED (A "LINKED SITE") AND SUCH LINKED SITES ARE NOT MONITORED, INVESTIGATED, OR CHECKED FOR ACCURACY OR COMPLETENESS BY CAPITAL ONE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, RELIABILITY, TIMELINESS AND COMPLETENESS OF ANY INFORMATION AVAILABLE ON A LINKED SITE. ALL PRODUCTS, SERVICES AND CONTENT OBTAINED FROM A LINKED SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY.

Children

Capital One does not knowingly market to, or solicit, or collect personal information from children under age 18.

Confidentiality of Information

Capital One has taken reasonable steps to ensure the confidentiality of information taken at this website and transmitted via the Internet. Capital One uses Secure Socket Layer (SSL) technology. During an SSL session, data passed back and forth between your computer and the Capital One online card server is secured by using public key cryptography. Your computer exchanges key information with Capital One computers to create a private conversation that only your computer and Capital One's system can understand. However, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

Choice of Law

All website activity or use and these Terms and Conditions are governed by the laws of the United States of America and the laws of the Commonwealth of Virginia, without regard to conflict of law principles.

Website Content and Material

The information and materials contained in this website, including but not limited to these Terms and Conditions and any product information, are subject to change without notice. Users are deemed to be apprised of and bound by any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Capital One.

Waiver and Severability

Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

Access to Secured Areas

Access to and use of password protected and/or secure areas of this website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the website may be subject to prosecution.

Updates: These Terms and Conditions were last updated May 1, 2012. Please check periodically for changes.

Back to Top

Online Bill Payment Service Terms and Conditions

Capital One, N.A. and Capital One Bank (USA), N.A. Online Bill Payment Service - Terms and Conditions

You now have a choice of a One Time Payment and Recurring Payment. The table in the Definitions section applies only to One Time and Recurring Payments.

DEFINITIONS

This Online Bill Payment Service is offered by Capital One, N.A. and Capital One Bank (USA), N.A. (referred to in this Agreement as "Capital One", "we", "our", "us", or similar pronouns); "you", "your", or "yours" refers to you, the user of this Online Bill Payment Service and obligor on a Capital One, N.A. or Capital One Bank (USA), N.A. credit card account (your "Credit Account"); "Payment Instruction" means the information provided by you to us for an electronic payment to be applied to your Credit Account with us (such as, but not limited to, the amount, your account number, and the date on which you want the payment applied); "Bank Account" means your checking or money market account from which all electronic payments will be made; "Business Day" means Monday through Friday, excluding Federal Reserve holidays; "Payment Date" means the day of your choice upon which your electronic payment will be applied and your Bank Account will be debited; and, "Cutoff Time" is the latest day and time by which you must enter Payment Instructions into the Online Payment Service to have your payment applied on the Payment Date, and "View Payment Online," is the earliest day your payment can be viewed Online on the "Account Overview" page of your credit card website. Please see chart below:

ONLINE BILL PAYMENT SERVICE

By providing us with your Bank Account information and agreeing to these terms and conditions, you authorize us to follow the Payment Instructions that we receive through the Online Bill Payment Service. When we receive a Payment Instruction, you authorize us to debit your Bank Account and obtain funds on your behalf so that the funds arrive as close to the Payment Date designated by you as reasonably possible. You also authorize the financial institution that holds your Bank Account to debit your Bank Account.

Payment instructions must be entered before the Cutoff Time and prior to the Payment Date as shown in the chart above. While it is anticipated that most transactions will be processed on your selected Payment Date, it is understood that due to circumstances beyond our control, some transactions may take additional time to be applied to your Credit Account. If you properly follow the procedures described herein, including submitting your Payment Instruction prior to the Cutoff Time, and we fail to process a payment according to the Payment Instructions received, we will reverse any late charges incurred as a result. In any other event, the risk of incurring and the responsibility for paying any and all late charges or penalties shall be borne by you.

We will use our best efforts to process all your payments properly. If we do not complete a payment on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, there are some circumstances where we will not be liable. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer;
2. If the financial institution holding your Bank Account refuses or is otherwise unable to honor a debit that has been originated by you through us and returns that transaction to us unpaid, through no fault of ours;
3. If the electronic payment processing center is not working properly and you know or have been advised about the malfunction before you execute the transaction;
4. If you have not provided us with your correct Bank Account information, or did not give us the Payment Instruction in accordance with the terms of our agreement;
5. If circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction, despite reasonable precautions that we have taken.

PASSWORD AND SECURITY

Your Online Customer Care password will be used to access the Online Bill Payment Service. You agree not to give or make available your Online Customer Care password or allow access to the Online Bill Payment Service to any unauthorized individuals. You are responsible for all electronic payments you authorize using the Online Bill Payment Service. If you permit other persons to use your Online Customer Care password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your Online Customer Care password or other means to access your account has been lost or stolen or that someone may attempt to, or has transferred money without your permission, you must notify us at once by calling Internet Technical Support at 1-866-904-2147 from 8 a.m.-midnight ET Monday-Saturday.

PREAUTHORIZED TRANSFERS AND STOP PAYMENT

If you have told us in advance to make regular payments out of your Bank Account, you can cancel any payments that are in a "scheduled" status. To do so, go online and select the "cancel" option located next to the payment you would like to cancel. You can also call us at 1-866-904-2147, or write us at Attention: Customer Care Internet Department, Card Services, P.O. Box 81622, Salinas Ca, 93912-1622, in time for us to receive your request three (3) Business Days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. If you order us to cancel one of these payments three (3) Business Days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

YOUR RESPONSIBILITIES AND LIABILITIES

UPDATE, PROTECT, AND MONITOR YOUR CONTACT AND OTHER INFORMATION

It is your sole responsibility to ensure that your contact, Payment Account, and other information is current and accurate. This contact information includes, but is not limited to, name, address, phone numbers, e-mail addresses, Payment Account numbers, and any other information about your Payment Accounts(s). Changes to contact information can be through the Online Customer Care Site. Failure to provide accurate and complete information (including misrepresenting your identity or other information) may result in errors in your requested payments or be a basis for our prohibiting your use of Online Bill Payment Service in the future.

To prevent unauthorized access to your account(s) and use of Online Bill Payment Service and your Payment Account(s), you agree to keep your user name, password, challenge questions, and any other security or access information (collectively, "Access Information") confidential. We recommend that you memorize your Access Information and do not write it down. You agree not to give or otherwise make available your Access Information to any unauthorized individual.

You will receive periodic statements for your account(s) with the regularity provided for in your account agreement(s). To help prevent any wrongful use of or errors on your account(s), you must carefully examine your statement upon receipt.

UNAUTHORIZED TRANSACTIONS

Notify us IMMEDIATELY if you suspect that an unauthorized transaction has been or may be conducted from your account(s), another person has improperly obtained your online password(s), or fraudulent activity has occurred on your account(s) by notifying us as specified on our Online Customer Care Contact Us page. You agree to assist us in our efforts to recover any funds that were transferred or paid without your permission. For more information on your rights and responsibilities for unauthorized transactions, please review your account agreement.

ERRORS OR QUESTIONS ABOUT PAYMENTS OR OTHER ONLINE BANKING TRANSACTIONS

In case of questions or errors about payments or other transactions made through Online Bill Payment Service, you must contact us using our Online Customer Care Contact Us page or by following the instructions provided on your statement regarding how to contact us in writing.

CHARGES

You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet Service Provider (ISP) when accessing the Online Bill Payment Service. You are also responsible for any fees associated with your Bank Account. In using our Online Bill Payment Service, you are requesting the system to make payments for you from your Bank Account. If we are unable to complete a transaction for any reason associated with your Bank Account (for example, there are not sufficient funds in your Bank Account to cover the transaction), the transaction will not be completed. In such case, you agree that we may, at our discretion, assess a returned item fee to your Credit Account in accordance with the terms of your Credit Account agreement.

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers, or
2. In order to comply with government agency or court orders, or
3. If you give us your written permission, or
4. As provided in our privacy policy.

ALTERATIONS AND AMENDMENTS

This Agreement, including applicable fees and service charges, may be altered or amended by us from time to time, including the addition of new charges and terms. In such event, we shall provide notice to you. Any use of this Online Bill Payment Service after we provide you with a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the programs, services, and/or related material that may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the programs, services, and/or related material and limit access to our more recent revisions and updates.

ADDRESS OR BANKING CHANGES

You agree to promptly notify the Card Services Customer Service Department in writing or via Online Customer Care of any address change.

TERMINATION OR DISCONTINUATION

In the event you wish to discontinue the Online Bill Payment Service, you must do so via Online Customer Care. You are responsible for canceling any and all pending payments at the time you discontinue this service. Failure to do so will constitute acceptance of this Agreement for those payments. We may terminate this Online Bill Payment Service at any time. Neither termination nor discontinuation shall affect your liability or obligations under this Agreement.

DISPUTES

In the event of a dispute regarding the Online Bill Payment Service, you agree to resolve the dispute under this Agreement and under the agreement governing your Credit Account (including its arbitration clause, which is incorporated into this Agreement by reference). If there is a conflict between what an employee of Capital One says and the terms of this Agreement, this Agreement will prevail. If there is a conflict between this Agreement and the terms of your Credit Account agreement, this Agreement will apply to the Online Bill Payment Service only.

ASSIGNMENTS

You may not assign your right to use the Online Bill Payment Service under this Agreement to any other party. We may assign this Agreement at our sole discretion. We may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

NO WAIVER

We shall not be deemed to have waived any of our rights or remedies under this Agreement unless such waiver is in writing and signed by us. If we delay or refrain from acting in exercising any rights or remedies under this Agreement, such delay or omission shall not operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

CAPTIONS

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflicts of laws provisions, and applicable federal law.

INT CCS OBPS TC 02 (05/01/12)