Whenever " you" is more than one person with respect to any such account or relationship, the obligations and agreements applicable to you under this Agreement shall be deemed to be joint and several and solidary wherever appropriate.
" You" or " your" mean each Authorized Person (as defined below) who has an interest in an account with Capital One which is accessible through the Services or through the Online Banking Site. Please consult your account agreement(s) for information about the Capital One company servicing your individual account(s). However, with respect to a specific account to which the Online Banking Site provides you access, " Capital One", " we", " us" or " our" shall be understood to refer to the particular entity in the Capital One family of companies that offers such an account. Throughout this Agreement, the words " Capital One", " we", " us" or " our" mean, collectively, Capital One Financial Corporation, its subsidiaries and affiliates (including, without limitation, Capital One, N.A., and Capital One Auto Finance, a division of Capital One, N.A.) and all of their respective successors or assigns. This Agreement shall apply regardless of the means by which the Services are accessed, including, but not limited to, through the URL address electronic mail, or links from another Web site via a computer, mobile device, or any other means of access.
If the terms and conditions of this Agreement conflict with the terms and conditions contained in any Additional Agreement solely as they apply to online banking and online bill payment services, this Agreement controls provided, that the terms and conditions of this Agreement are not intended to modify any disclosures or other terms that are required by law and that are provided by Capital One in an Additional Agreement. Additional Agreements shall include, without limitation, agreements, rules or other terms governing any checking, savings or other deposit accounts, auto account, loan, line of credit and credit card accounts, investment accounts and any other accounts that you may view, modify or otherwise access while using the Services fee schedules our electronic funds transfer agreement and disclosures our Online Bill Payment Authorization and Agreement and your signature card. All such guidelines, rules, disclosures, disclaimers, user agreements or similar agreements, and other terms and conditions (collectively, "Additional Agreements") are hereby incorporated by reference into this Agreement. Furthermore, if you use certain features, products or services available on or through the Services, you will be subject to, and/or required to agree to, separate user agreements, customer agreements or similar agreements governing or relating to such features, products or services. In addition to this document, in connection with your use of the Services, you may be subject to, and/or required to agree to, various guidelines, rules, schedules, disclosures, disclaimers and other terms that we may post on the Online Servicing Site or any other Capital One Site (as defined below) or otherwise provide or make available to you from time to time.
This Agreement is hereby made a part of the Terms and Conditions for and all such Terms and Conditions apply to your use of the Services on this Web site (the "Online Servicing Site"). If you decide not to agree to the terms and conditions discussed herein, you may not use the Services. By using the Services, you acknowledge that you have read and agree to abide by the terms and conditions of this Agreement. Use of our Services is expressly conditioned on your acceptance of this Agreement. Please carefully review the following Terms and Conditions governing the use of this Web site ( and the online services offered by Capital One ("Services").
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