Company information Information you provide Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX. Registered in England and Wales. Company Number: 3879023. Capital One is a provider of retail financial services. Authorised and regulated by the Financial Conduct Authority. Register Number 204440. Capital One (Europe) plc is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 for the provision of payment services. Email us at: enquiriesUK@capitalone.com. To protect your information, please don't send any confidential or sensitive information in your message as this email address isn't secure. Copyright and trademarks © 2019 Capital One (Europe) plc, Trent House, Station Street, Nottingham, NG2 3HX. Capital One®, CreditWise from Capital One® and Capital One CreditWise® are registered trademarks of Capital One. Capital One Aspire® Elite is a World Elite™ Mastercard®. Mastercard®, World Mastercard® and World Elite™ Mastercard® are registered trademarks of Mastercard International Incorporated. Insurance information Capital One Payment Protection Insurance Capital One Payment Protection Insurance is underwritten by AXA France Vie (Registered in France with company number 310499959 RCS Nanterre) whose registered office is at 313, Terrasses de l'Arche 92727 Nanterre and AXA Insurance UK plc (a company limited by shares. Registered in England and Wales number 78950) whose registered office is at 5 Old Broad Street, London, EC2N 1AD. AXA France Vie is authorised by the ACPR to operate in Freedom of Services. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, registration number 202312. Regulatory status can be confirmed by visiting the FCA website. Payment Protection Insurance and Insurance Premium Tax Insurance Premium tax (IPT) is a tax which is levied on insurance products sold in the UK. On 4 January 2011 the standard rate of IPT increased from 5% to 6%. Capital One Payment Protection Insurance policy holders are unaffected by this change, as the cost of this increase will be borne by us. Should the rate of IPT change in the future we reserve the right to charge you the associated cost. If this occurs and we decide to pass on the increase you will be made aware of the change in premium. The Financial Services Compensation Scheme (FSCS) and Insurance The Financial Services Compensation Scheme (FSCS) covers financial services firms which are regulated by the FCA. This means that the FSCS may pay compensation to consumers if a regulated business under the scheme is unable, or likely to be unable, to meet its obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is available on the FSCS website opens in a new tab . CCTV Capital One operates CCTV cameras at its UK offices for the purposes of crime prevention and investigation, for public safety and to identify acts of negligence which cause damage to our assets. Images collected by these cameras may be used and retained, in accordance with the General Data Protection Regulations, by Capital One (Europe) plc, and our carefully selected third party service providers, for the purposes described. Images will not be used for any other purposes unless legally required or lawfully permitted under that legislation. In some cases, for the additional purpose of managing disaster recovery operations, images may be transferred and viewed by Capital One Financial Corporation, and their carefully selected third party service providers, within the US. For more information please write to us at: Console (CCTV enquiries) Capital One (Europe) plc Trent House Station Street Nottingham NG2 3HX Regulators We know that our customers have high expectations of us, and rightly so. To this end we not only ensure we meet or exceed what our regulator asks of us, we actively go out of our way to join other reputable organisations that can help ensure we really challenge ourselves and the credit card industry to bring the best products and services to the consumer. Financial Conduct Authority Capital One (Europe) plc is regulated by the Financial Conduct Authority (FCA), an independent organisation responsible for regulating the conduct of various financial institutions. The FCA's operational objectives are to secure an appropriate degree of protection for consumers, promote efficiency and choice in the market for financial services, and to protect and enhance the integrity of the UK financial system. The FCA sets the conduct standards that financial institutions must meet and can take action against firms if they fail to meet their requirements. If you would like further information, please see the FCA's website opens in a new tab . The FSCS can, in certain circumstances, protect consumers when a financial services firm stops trading or does not have enough assets to pay claims made against it. If you would like further information please visit the FSCS website opens in a new tab Standards The Standards of Lending Practice The Standards of Lending Practice set out the benchmark for good lending practice and provide the framework for how financial services firms should serve their customers. The Standards of Lending Practice cover good practice in relation to loans, credit cards and current account overdrafts. Compliance with the customer outcomes set down in the Standards of Lending Practice is independently monitored and enforced by the Lending Standards Board (LSB). To view a list of Registered Firms, and to see a full copy of the Standards of Lending Practice, please visit the LSB website opens in a new tab . Capital One (Europe) plc - Tax Strategy – Statement Capital One (Europe) plc ("Capital One UK") is required to annually publish its Tax Strategy in accordance with Section 161 and Section 19(2) Schedule 19 Finance Act 2016. This document sets out Capital One UK's Tax Strategy for the year ending 31 December 2018. Capital One UK seeks to pay all taxes, including corporation tax, VAT and employment taxes, on a timely basis, meet all reporting requirements and, adopts an open approach with tax authorities, principally HM Revenue & Customs. The UK Business's Tax Strategy is adopted by the UK Board under guidance from Capital One's Global Tax Department and has full regard to the UK's risk appetite. In particular, Capital One UK will: Comply with all relevant tax laws and disclosure requirements; Deal professionally and transparently with all tax authorities; Only undertake tax planning based on the economic and commercial activities of the business; Maintain accounting systems and controls as required to support the tax compliance obligations. Approach to tax risk management and governance Capital One UK is subject to all policies and procedures of the Global Corporation. This is equally true in the area of taxation. Monthly updates are provided by Global Tax to the UK CFO who is a board member of the UK business. Procedures require that major changes to operations or activities are signed off by Global Tax through UK Finance representations. Attitude to Tax Planning Tax planning is undertaken having regard to the commercial and economic activity of the business. Capital One UK does not seek to structure transactions in ways that give results inconsistent with the underlying economic reality. Capital One UK undertakes tax planning that is both within the letter and the spirit of tax law. Tax matters are handled by Global Tax's UK in-house tax team which is staffed by suitably qualified and experienced tax professionals. Occasionally and where appropriate, external technical advice is sought to challenge or to support technical interpretations of transactions. This enables business decisions to be taken with full knowledge of likely tax results. Level of Risk The Company at all times seeks to limit the tax complexity of the business. Capital One UK works to maintain its low risk status as assessed by HMRC. Approach to dealing with HMRC Capital One UK engages openly with HMRC based on mutual trust and respect. The Company raises all materially uncertain positions on a real-time basis to limit the uncertainty and minimize tax risk.