Privacy Policy

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1. About Luma

The website (Site) is owned by Capital One (Europe) PLC (Capital One) and hosted by MI Money Limited.

Capital One’s privacy policy applies to anyone who visits our websites. It explains how we may collect information from you online when you visit a Capital One website and how we may protect and use that information. Therefore, please read this privacy policy carefully before using the websites. In this privacy policy “we” “us” and “our” mean Capital One and “you” and “your” means the individual who is using the websites.

Information that you provide to Capital One when you use the Quick Check service is also governed by the terms and conditions of that service. If you are a user of the Quick Check service please refer to the terms and conditions in the Quick Check application form for additional information. In the event of a conflict between the terms of this Privacy Policy and the Quick Check Terms and conditions, the Quick Check Terms and Conditions shall take precedence.

Information that you provide to Capital One when you apply for or obtain a credit card from us is also governed by the “use of Your Information” section at clause 1 of your credit card agreement, which is also set out in our online application form. If you are an applicant, or customer please refer to the credit card agreement for additional information. In the event of a conflict between the terms of this Privacy Policy and your credit card agreement, your credit card agreement shall take precedence.

For the purpose of the Data Protection Act 1998 (Act), the data controller is Capital One of Trent House, Station Street, Nottingham NG2 3HX.

The Act imposes regulations on how we collect, store and process your personal information. As required by the Act, we are registered as a data controller – details of which can be found online at This privacy policy explains:

Any changes we make to our privacy policy in the future will be posted on this page. Questions, comments and requests regarding this privacy policy are welcomed – and should be sent to Capital One (Europe) plc at Trent House, Station Street, Nottingham NG2 3HX.

This privacy policy applies to anyone who visits our website.

2. What personal information we collect from you

Capital One may collect and process the following information about you:

2.1 Information that you provide by filling in our online forms such as a Quick Check, application for a credit card, survey or competition. The provision of our service may also require us to store the information you give us, together with details of your financial information – and to combine the information you provide on separate visits to our Site. We may also ask you for information when you report a problem online.

2.2 Information about your computer including, where available, your IP address, operating system and browser type. This is used for system administration; to report aggregate information; and to enable us to analyse trends of behaviour. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

3. Cookies

3.1 We may obtain information about your general internet usage by using a cookie file which is stored on your browser – or the hard drive of your computer. Cookies contain information that is transferred to your hard drive. Some of these cookies are essential for the Site to operate. They help us to:

(a) Improve our site and deliver a better and more personalised service
(b) Estimate audience size and usage pattern
(c) Store information about your preferences
(d) Observe your browsing history
(e) Speed up your searches
(f) Recognise you when you return to the Site.

3.2 If you continue to use our Site, you agree to our use of cookies.

3.3 Cookies are widely used in order to make websites work, or run more efficiently, as well as to provide information to the owners of the Site.

3.4 You may opt-out or decline the use of cookies at any time – but in doing so, the Site may not perform or function as we intend, and your access may be limited. You can decline cookies through controls and settings which are unique to your chosen internet browser. For more information, consult the help file on your browser. Unless you have adjusted your settings to refuse cookies, our system will issue them as soon you visit our Site.

3.5 You can find out even more about cookies at [cookie policy]

4. How we use your information

4.1 We use your information in the following ways:
(a) To process a request for an eligibility check or service made through our Site.

(b) To ensure that content from our Site is presented in the most effective manner for you and for your computer; to allow us to tailor aspects of our overall service and Site towards you; to notify you about changes to our services; and to analyse trends in your behaviour while on our Site.

At Capital One, we make your safety and security a top priority and are committed to protecting your personal and financial information. If we collect personal information from you, we will protect that information with controls based upon internationally recognised security standards, regulations, and industry-based best practices.

5. With whom we share your information

5.1 By submitting information to our Site, you are consenting for your data to be used by Capital One. This consent applies to both ordinary personal data and sensitive personal data, such as information about your salary, email address or date of birth)

5.2 Before you provide us with any information about other people, you must get their permission first. In submitting their details, you are confirming to us that you have their permission to do so –and that they understand how their information will be used under the terms of this privacy policy.

5.3 Please be aware that once you use our Site or our services, you will be regarded as having given your consent for us to disclose your personal information to the following parties:
(a) Companies within the Capital One Group, which means us, our ultimate holding company and any company which is a subsidiary of our ultimate holding company.
(b) Companies that provide services to us, including sub-contractors, agents or other companies, including those based outside the European Economic Area (EEA)
(c) If you apply for an eligibility check for a credit card through our Site, we will use your personal information to perform an eligibility search (soft search) with a credit reference agency. You will be asked to consent to this before your eligibility check is submitted. This search will be recorded on your records with the credit reference agency (your credit file) but will not be visible to any other credit lender and it will not affect your credit score.

(d) Where you have applied for a credit card, Capital One will also forward your details to a credit reference agency who will then carry out a full credit check on you before providing any credit card. You will be asked to consent to this before your application is submitted. This full credit search will be visible to all other credit lenders.

(e) For the purpose of compliance monitoring by The Financial Conduct Authority, Information Commissioner and/or other regulatory/governing bodies it is our legal obligation to disclose or share your personal data. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
(f) We may also share this information with third parties in a secure manner, for the purpose of targeting or exclusion from our marketing activity, or to help us contact you with regards to your account. Your data will not be shared or sold to third parties for use in their marketing activities or email lists
(g) We may partner with third parties to deliver advertisements and surveys and to monitor activities on our own website and other websites. You’ll find full details in our cookie policy.

6. Your rights regarding your personal information

6.1 You have the right under the Data Protection Act 1998 upon written request and payment of a fee (£10), to have a copy of the personal data Capital One holds about you. If you would like to receive a copy of the personal data we hold about you, please write to Capital One Card Services P.O. Box 5283, Nottingham NG23HD.7.2 You have a right under the Data Protection Act 1998, to ask us not to process your personal data or pass it to third parties for marketing purposes. Before we capture any data from you we will tell you if your information is shared with any third party for marketing purposes and provide you with the opportunity to opt-out of receiving marketing messages from Capital One. You can express your preference by:
(a) Ticking or unticking certain boxes on the forms we use to collect your data

(b) Clicking on the ‘unsubscribe’ link on any marketing emails you receive

(c) Writing to us at Capital One Card Services P.O. Box 5283, Nottingham NG23HD.

All unsubscribe requests will be processed within seven working days.