Privacy Policy &
Online Privacy Statement
M-124219 Rev 07/2018
FACTS WHAT DOES CREDIT ONE BANK, N.A. DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not
Why? all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this
notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
• Social Security number and income
What?
• credit history and credit score
• payment history and transaction history
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list
How? the reasons financial companies can share their customers’ personal information; the reasons Credit One Bank chooses to share;
and whether you can limit this sharing.
Does Credit One Can you limit
Reasons we can share your personal information
Bank, N.A. share? this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court YES NO
orders and legal investigations, or report to credit bureaus
For our marketing purposes—
YES NO
to offer our products and services to you
For joint marketing with other financial companies YES NO
For our affiliates’ everyday business purposes—
YES NO
information about your transactions and experiences
For our affiliates’ everyday business purposes—
YES YES
information about your creditworthiness
For our affiliates to market to you YES YES
For our nonaffiliates to market to you YES YES
Call 800-796-6245
To limit Please Note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.
our sharing When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing.
Questions? Call 877-825-3242
What we do
How does Credit One Bank To protect your personal information from unauthorized access and use, we use security measures that
protect my personal information? comply with federal law. These measures include computer safeguards, secured files and secured buildings.
We collect your personal information, for example, when you
• apply for a credit card or give us your contact information
How does Credit One Bank
• pay your bill or use your credit card
collect my personal information?
• give us your income information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Federal law gives you the right to limit only
• sharing for affiliates’ everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
Why can’t I limit sharing?
• sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for your rights
under state law.
What happens when I limit
sharing for an account I hold Your choices will apply to everyone on your account.
jointly with someone else?
Page 2
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Companies not related by common ownership or control. They can be financial and non financial companies.
Nonaffiliates • Nonaffiliates we share with can include retail lenders, insurance companies, direct marketing companies, loan lead
providers, customer service agencies and collection agencies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Joint Marketing
• Our joint marketing partners include credit card companies, financial institutions and loan service providers.
OTHER IMPORTANT INFORMATION
Vermont Residents: Except as permitted by law, we will not share information we collect about you with nonaffiliated or affiliated partners.
California Residents: Except as permitted by law, we will not share information we collect about you with nonaffiliated or joint marketing partners
while you are a resident of California.
Nevada Residents: You may call 800-796-6245 to be placed on our Do Not Call List. For more information, visit www.CreditOneBank.com or
mail your request to Credit One Bank, P.O. Box 98871, Las Vegas, NV 89193-8871. You may also contact the Bureau of Consumer Protection by
phone at 702-486-3132, by email at aginfo@ag.nv.gov, or by mail at Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E.
Washington St., Suite 3900, Las Vegas, NV 89101.
C50-00847 07/18
© 2018 Credit One Bank, N.A. All rights reserved.
Credit One®, Credit One Bank® and corresponding logos are federally registered trademarks.
Rev 07/2018
Online Privacy Statement
This Online Privacy Statement ("Privacy Statement") describes Credit One Bank's online and mobile privacy
practices and applies to websites, mobile applications that run on smartphones, tablets, and other devices
("apps"), and additional services that we offer which link to this Privacy Statement.
Information you provided Credit One Bank when you applied for or obtained a product or service from us is also
governed by a separate notice entitled Privacy Policy at the top of this document. If you are such an applicant or
customer, please refer to that notice for additional information about our privacy practices.
By using this website or our apps, you agree to the terms and conditions of this Privacy Statement.
Information We Collect – and How We Collect It
Our websites and apps are not intended to be used by children. We do not intentionally collect personal
information from children under 13 without permission from their parent or legal guardians. For more
information about the Children's Online Privacy Protection Act (COPPA), please refer to the FTC's website at
https://www.ftc.gov/tips-advice/business-center/privacy-and-security/children%27s-privacy.
When you use our website or our apps, we may collect Personal Information that you submit to us voluntarily,
or Online Activity Data that we collect passively.
Personal Information is information such as your name, mailing address, email address, telephone number,
Social Security number, or other information that identifies you. This information may be collected when you
voluntarily provide it to us through forms on our website or in our apps. These forms could include survey
forms, credit card applications, contest entries, and sign in pages for online banking or mobile application
access.
Online Activity Data includes information such as your IP address, browser type, and display/screen settings;
how you interact with our website and apps; mobile device and advertising IDs; social media preferences and
other social media data; and other data that may be aggregated and that doesn't identify individual
consumers/customers. This data may be collected using cookies and other online tracking devices such as web
beacons, depending on your browser settings. Cookies are small pieces of data sent from a website and stored
on your computer by your web browser that can allow other websites that you visit to track your browsing
activities. A web beacon is a small string of HTML code that represents a graphic image on a website or email.
Credit One Bank may also partner with third parties to deliver advertisements and monitor activities on our own
website and other websites. These partners may use cookies, web beacons, and/or other monitoring
technologies to compile statistics about website visitors. Additionally, Credit One Bank may collect Online
Activity Data when you use our apps or your mobile device browser to access our website, i.e. geolocation data
(if you have enabled location services on your device). Credit One Bank may also collect Online Activity Data or
information such as your likes, interests, feedback, and preferences when you interact with our official pages on
social media websites such as Facebook, Twitter, LinkedIn, YouTube, and Instagram or from our social media
partners (but only if you choose to share with them and they, in turn, share that information with us). Please
refer to the policies of those companies to better understand your rights and obligations with regard to your
activity on those websites.
How We Use Information
We may use Personal Information and Online Activity Data we have collected for a variety of reasons, including:
• to enable you to apply for a Credit One Bank credit card
• to enable you to use online tools or perform certain online transactions
• to service and manage your account, including responding to or updating you on inquiries, or to contact
you about your accounts or feedback
• to offer you special products and services and deliver advertisements to you in the form of banner ads,
interstitial pages (ads that appear as you sign in or sign out of your online accounts) or other promotions
• to analyze whether our ads, promotions, and offers are effective
• to help us determine whether you might be interested in new products or services, and to improve
existing products and services
• to verify your identity and/or location to allow access to your accounts, and conduct online transactions
• to manage fraud and data security risk
• to personalize and optimize your website browsing and app experiences by examining which parts of our
website you visit or which aspect of our apps you find most useful
• to comply with federal, state or local laws; civil, criminal or regulatory investigations; or other legal
requirements
• to share with trusted third parties who are contractually obligated to keep such information confidential,
and
• to use it only to provide the services we have asked them to perform. For a description of how Credit One
Bank may share information collected from consumers who have applied for or obtained a consumer
product or service from us, please refer to the Privacy Policy.
Managing Your Online and Mobile Preferences
You are not required to provide Personal Information to browse our websites. If you provide us with Personal
Information to obtain a product or service from us, our Privacy Policy governs how we share Personal
Information with our affiliates and third parties.
As you access our online services, cookies and similar technologies allow us to customize content and
advertisements for our products and services on our websites or apps. In order to make content and advertising
as relevant as possible, we may use information about your relationship with us (such as types of accounts and
transactional information). Using cookies can give you additional or easier access to certain features on our
website (such as allowing you to sign in easier), and can allow us to provide you with more personalized offers.
Currently, our website does not respond to browser "do not track" signals. You can set your browser to not
accept cookies or to indicate when cookies are sent.
Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability
to serve targeted ads to a specific mobile device. In many cases, you can turn off mobile device ad tracking or
you can reset the advertising identifier at any time within your mobile device privacy settings. You may also
choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your
mobile device, you may still see the same number of ads as before, but they may be less relevant because they
will not be based on your interests.
Behavioral Advertising on Third Party Websites
Certain Credit One Bank partners may use unique cookies to collect Online Activity Data on our website or apps
to advertise on third party websites Credit One Bank products and services that may be of interest to you. Our
partners are subject to their own privacy policies. To explore options for opting out of behavioral advertising,
visit http://optout.aboutads.info/ or click on the AdChoices icon in an ad and follow the instructions. You may
also use the Network Advertising Initiative's (NAI) Opt-Out Tool or other tools provided by the publishing
platform. Opting out relies on information in the unique cookies placed on your web browser by our partners,
so if you delete cookies, use a different device, or change web browsers, you may need to opt out again.
Additionally, we may partner with websites like Google and Yahoo to display ads to you based on search terms
you use on those websites. Please review the privacy policies of those websites for instructions on how to limit
these ads.
Please note that you may still receive general online advertising from Credit One Bank even after you adjust
your ad preferences with certain web search engines or opt out of online advertising through AdChoices or the
NAI tool. Such advertising, however, will not be based on Online Activity Data or search term information.
Email
Our marketing emails include instructions on how to opt out of receiving such emails in the future.
Updating Your Information
Keeping your account information up-to-date is important. You may review or update certain account
information by signing in to your account online. If you cannot change the incorrect information online, or you
prefer to request changes offline, please see the Customer Service section on our website, or call 877-825-3242
or write to us using the contact information listed on your account statements, records, or other account
materials.
Links
Our websites may include links to third-party websites. These third parties are not subject to this Privacy
Statement or to the Privacy Policy. Please review their privacy notices when visiting these websites.
Information Security
At Credit One Bank, we are committed to protecting your personal and financial information. If we collect
identifying information from you, we will protect that information with security measures based on
internationally recognized security standards, regulations, and industry-based best practices.
Changes to this Privacy Statement
Credit One Bank may change its online privacy practices in the future and we may revise this Privacy Statement
to reflect material changes. This Privacy Statement was last revised July 1, 2018, and is effective as of that date.
Glossary
AdChoices: Allows individuals to opt out of browser-enabled interest-based advertising by some or all
participating companies, using opt-out cookies to store your preferences in your browser.
Browser: An application used for accessing websites or information on a computer network. Examples include
Chrome, Safari, Edge, Internet Explorer, and Firefox.
Business partners: Companies we partner with to jointly market and/or deliver products and services to you.
Business partners include affinity or co-brand business partners. They may not use this information to
independently market to you unless you consent.
Cookies: Small pieces of data sent from a website and stored on your computer by your web browser that can
allow other websites that you visit, and the advertising companies and content partners for those websites, to
track your browsing activities. Cookies do not store personal information.
Privacy Policy: A Credit One Bank product-specific privacy notice, which we provide to customers at account
opening and annually thereafter pursuant to federal law. It describes our privacy practices and provides you the
right to opt out of certain types of information sharing.
IP address: A unique "Internet Protocol" number assigned to a device connected to the Internet. Credit One
Bank treats IP addresses as non-personal information unless otherwise required by law.
Operating system: Software that controls the operation of a computer and directs the processing of programs,
such as Microsoft Windows or macOS.
Service providers: Vendors with whom we have a contractual relationship to perform services on our behalf.
Vendors may not use personal information for any purpose other than carrying out those services.
Session: The time from when a customer is signed in to a website or app to when the customer is signed out.
Social media: Websites and apps that enable users to create and share content or to participate in social
networking, such as Facebook, Twitter, LinkedIn, YouTube, and Instagram.
Third-party websites: Sites that are not owned or operated by Credit One Bank and are not subject to our
Privacy Statement.
Web beacon (alternatively referred to as a tracking bug, tag, page tag, tracking pixel, pixel tag, or clear gif): An
often-transparent graphic image, usually no larger than 1 pixel x 1 pixel, that is placed on a website or in an
email that is used to monitor the behavior of the user visiting the website or interacting with the email. Web
beacons can be used for activities like site traffic reporting, unique visitor counts, advertising auditing and
reporting, and personalization.
