Privacy & Security
The Capital One Privacy Notice† contains information regarding your choices to limit marketing and personal information sharing.
† Viewing PDF files requires the use of ‡
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.
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
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®‡.
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.
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.
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.
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.
Capital One does not knowingly market to, or solicit, or collect personal information from children under age 18.
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.
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.
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.
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 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.
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.
ONLINE BILL PAYMENT SERVICE
PASSWORD AND SECURITY
PREAUTHORIZED TRANSFERS AND STOP PAYMENT
YOUR RESPONSIBILITIES AND LIABILITIES
ERRORS OR QUESTIONS ABOUT PAYMENTS OR OTHER ONLINE BANKING TRANSACTIONS
ALTERATIONS AND AMENDMENTS
ADDRESS OR BANKING CHANGES
TERMINATION OR DISCONTINUATION
INT CCS OBPS TC 02 (05/01/12)