The Luma Credit Card
The Luma Credit Card is promoted and issued by Capital One (Europe) plc.
For those who like the detail
information from you online when you visit a Capital One website and how we may protect and use that
means the individual who is using the websites. 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 application
and your credit card agreement, your credit card agreement shall take precedence.
Information you provide
Capital One will collect information that you provide when completing online forms on its websites.
Information gathered from your use of our websites
Capital One may collect the following information about you when you browse our websites or use our
We may collect technical information about your browser and the pages that you visit. For example
we may collect your internet protocol (IP) address, which is a numerical identifier assigned to
a computer or device that connects to the internet.
activities conducted with your computer. For further information, please read the
Information we collect from Credit Reference Agencies on your behalf and other sources
Capital One will collect information from one or more Credit Reference Agencies when you make a quotation
search using our quotation search service and/or when you register to use our services to obtain
and provide to you your credit report and credit score.
We may collect information from other sources if you use any of the other websites we operate or the other services we provide.
We are working closely with third parties who may provide information about you to us (including,
for example, business partners, sub-contractors in technical, payment and delivery services, advertising
networks, analytics providers, search information providers and Credit Reference Agencies).
How we use information
On our websites
you find most useful and to optimise your browsing experience. For full details, check our
If you choose, you can set your browser to inform you when cookies are sent or you may choose not
to accept cookies. If you haven't done this, our system will issue cookies when you visit the site.
Information you give us or we collect about you
Information you provide to us or collected from Credit Reference Agencies/third parties on your behalf
as part of our services is used to:
- administer your account and relationship with us including communications using the contact information
you provide to us;
- verify your identity and to prevent fraud and money laundering;
- undertake analysis and profiling of your information;
- provide you with information, products and services that you request from us or that we consider
may be of interest to you or that are suited to you (including, but not limited to, credit cards);
- tell you about changes to our sites and/or services;
- carry out research, run statistical/market/product analysis;
- administer our sites and for internal operations, including troubleshooting, data analysis, testing,
research, statistical and survey purposes;
- improve our sites to ensure that content is presented in the most effective manner for you and for
- allow you to participate in interactive features of our services, when you choose to do so;
- assist in our efforts to keep our sites safe and secure;
- measure or understand the effectiveness of advertising we provide to you and others, and to deliver
relevant advertising to you.
We will combine this information with information you give to us and information we collect about
you. We will use this information and the combined information for the purposes set out above (depending
on the types of information we receive).
We may share information that we collect online or as part of any application with 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; and with companies that provide services to us, including sub-contractors,
agents or other companies including those based outside the European Economic Area (EEA).
We may also share this information with third parties, in a secure manner, for the purposes 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
We may partner with third parties to deliver advertisements and surveys and to monitor activities
We may use services provided by and share data with a third party for fraud prevention and authentication
purposes. The third party service helps us decide whether to accept transactions from personal computers,
mobile phones, or other devices by checking whether these devices have been identified with fraudulent
or abusive transactions in the past, such as reported instances of identity theft, account takeovers,
or malware attacks. The third-party service also helps verify your identity by registering and remembering
devices associated with your account.
We may share your information with one or more Credit Reference Agencies in order to provide our
services to you which may include carrying out a quotation search and/or obtaining your credit score
and credit report. The Credit Reference Agencies will make a record of our searches that will leave
a "footprint" on your credit file. You'll be able to see the search on your file but it won't show
up to other organisations. This means there is no impact to your credit rating.
Credit Reference Agencies will provide us with credit information such as previous applications and
the conduct of accounts in your name, public information such as county court judgments and bankruptcies,
electoral register information and fraud prevention information. Information held about you by the
Credit Reference Agencies may already be linked to records relating to one or more people with whom
you have a financial association. For any searches we make where we assess your suitability for
credit you may be treated as linked to them and you will be assessed with reference to their records.
Your information will be checked with Fraud Prevention Agencies and if you have given false or inaccurate
information and we suspect fraud we will record this. Law enforcement agencies may access and use
this information. We and other organisations may access and use from other countries the information
recorded by fraud prevention agencies and we may also pass this information to organisations involved
in fraud prevention to protect us, them and our respective customers from theft and fraud.
We and other organisations, including Credit Reference Agencies and Fraud Prevention Agencies, may
use and search the records of Credit Reference Agencies and Fraud Prevention Agencies to prevent
fraud and money laundering for example when:
- checking details on applications for credit and credit related or other facilities;
- managing credit and credit related accounts or facilities;
- recovering debt;
- checking details on proposals and claims for all types of insurance; and
- checking details of job applicants and employees.
Fraud Prevention Agency records will also be shared with other organisations to manage insurance
policies and help make decisions on motor, household, credit, life and other insurance proposals
and insurance claims for you and members of your household. The Credit Reference and Fraud Prevention
Agencies will also use the records for statistical analysis about credit and fraud.
Capital One online services
Capital One offers its customers online account services. When you register for those services, we
will provide you with specific terms and conditions that may supplement the information in this
notice. If you set your browser to reject cookies, you may not be able to use Capital One's online
Our websites may include links to third-party websites. These third parties are not subject to this
We do not accept any responsibility for any such third party websites, including without limitation
for their accuracy, security, the products or services which they offer or any information which
is collected through them.
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.
Capital One maintains customer authentication procedures to protect your personal information and
account from identity theft. These procedures are for your protection. If you suspect a website
is "spoofing" or pretending to be a Capital One website do not enter personal information but instead
contact us through the details set out in the
contact us page or by emailing
If you receive an email that claims to be from us but you are not sure, or if you think it is suspicious,
do not click on any of the links in the e-mail. Instead forward it to us at firstname.lastname@example.org then delete it.
For more information about our commitment to security and for tips about what you can do to help
guard against fraud and identity theft, visit our Security Centre.
Accessing your personal information
You have a right under the Data Protection Act 1998 upon written request and payment of a fee, to
have a copy of the personal data we hold about you. If you would like to receive a copy of the personal
data we hold about you please write to us at the address shown in contact us.
You may, at any time, contact the Credit Reference Agencies in order to check the information they
hold about you, receive a copy of your information and to correct any incorrect information held
about you. You can contact the Credit Reference Agencies as follows:
- CallCredit, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ or call 0330 024 7579 or visit
www.callcredit.co.uk opens in a new window
- Equifax, Credit File Advice Centre, PO Box 10036, Leicester, LE3 4FS or call 0333 321 4043 or 0800
014 2955 or visit www.equifax.co.uk opens in a new window
- Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0344 481 8000 or visit
www.experian.co.uk opens in a new window
Opting out of receiving marketing material
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. If you do not want to receive marketing material
from us or third parties please write to us at the address shown in
notified to you by e-mail. Please check back frequently to see any updates or changes to our Privacy
Policy. Your continued use of our website(s) will confirm your acceptance of the amended terms.
Please send any questions or requests you have using the contact information set out on our contact us page.