At Capital One we understand the importance of information privacy to our customers. How we deal with your personal information is outlined below. Full details are available when you apply and in the Capital One terms and conditions.

We will use the personal information we gather:

• For administering and servicing your account
• To enable us to review the conduct of the account for credit assessment purposes
• To send you details of products and services we believe you may be interested in
• To help us do research and analyse statistics

We will disclose your personal information

• To our agents and sub-contractors (including those based outside the European Economic Area) under a strict code of secrecy and security
• To insurance companies for purposes related to the policies on your account
• To any person to whom we transfer our rights or obligations under the agreement
• If we are compelled to do so by law and for fraud prevention purposes
• To licensed credit reference agencies to help us and others make credit decisions
• To third parties to enable them to provide details of products or services you may be interested in
• Within Capital One Bank and our Group (the "Capital One Group")

Cookies and Web Bugs

Cookies are small pieces of information that a website places within your browser on your computer hard drive. Web bugs have many different names (e.g. clear GIFs, invisible GIFs, pixel tags), but all perform the same basic function. We sometimes use these bugs for the same purposes that we use cookies.

Capital One use Cookies and Web Bugs to

• Act as part of our security process
• Monitor how users use our web pages to enable us to develop the service
• To help track usage of the site

Consequently, if you decide not to enable cookies on your browser, you will be unable to use our web site