1. About Luma
The website www.luma.co.uk (Site) is owned by Capital One (Europe) PLC (Capital One) and hosted by MI Money Limited.
For the purpose of the Data Protection Act 1998 (Act), the data controller is Capital One of Trent House, Station Street, Nottingham NG2 3HX.
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.
3.1 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.
3.3 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.
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)
5.3 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
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.