Rules and Regulations for American Express Internet World Wide Web Sites
	American Express Company, its subsidiaries and affiliates ("American Express") requires that all the visitors to our site(s) on the World Wide Web (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.

	Laws and regulations
	User access to and use of the Site is subject to all applicable federal, state and local laws and regulations.

	Copyright/Trademarks
	The trademarks, logos and service marks ("Marks") displayed on the Site are the property of American Express and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of American Express or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

	No warranties
	ALL CONTENT ON THE SITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. AMERICAN EXPRESS DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN AMERICAN EXPRESS. OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL AMERICAN EXPRESS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE OR OTHER CONTENT.

	Limitation of liability
	American Express specifically disclaims any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of the Site, (even if American Express has been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

	Confidentiality Of User Communications
	Except as required by law and in accordance with the American Express Internet Privacy Statement, American Express will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to American Express. Postings by a user on any message board or in any chat room will not be protected as confidential and American Express may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by American Express.

	Linked Internet sites
	American Express prohibits caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site. American Express reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk.

	Postings
	If the Site has message boards or chat rooms American Express is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, American Express may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain: Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law. Advertisements or solicitations of any kind except where classified advertisements have been formally accepted on the Site by American Express Messages posted by users impersonating others. Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references. Messages by non-spokesperson employees of American Express purporting to speak on behalf of American Express. Messages that offer unauthorized downloads of any copyrighted or private information. Multiple messages placed within individual folders by the same user restating the same point. Chain letters of any kind.

	Transmission of Personal Data
	On any Site where Cardmember/Customer account data may be transmitted the user acknowledges and agrees that by providing American Express with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with American Express' standard business practices. View American Express Internet Privacy Statement

	Changes to rules and regulations
	American Express reserves the right to revise these Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations.

	Violation of rules and regulations
	American Express reserves the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.

	Access to password protected/secure areas
	Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.

	USE OF "COOKIE" FILE FEATURES
	American Express reserves the right to store information on a user's computer in the form of a "cookie" or similar file for purposes of modifying the Site to reflect users' preferences. The American Express Internet Privacy Statement provides additional information regarding American Express' use of cookies as well as procedures for disabling cookies. View American Express Internet Privacy Statement, "about Cookies".

	DIGITAL MILLENNIUM COPYRIGHT ACT - NOTIFICATION TO AMERICAN EXPRESS REGARDING ALLEGED COPYRIGHT INFRINGEMENT
	American Express has registered an agent with the United States Copyright Office in accordance with the terms of the Digital Millennium Copyright Act (the "Act") and avails itself of the protections under the Act. American Express reserves the right to remove any Content on the Site, which allegedly infringes another person's copyright. Notices to American Express regarding any alleged copyright infringement on the Site should be directed to American Express' General Counsel's Office Attn.: Technology Counsel at technologies.group.counsel@aexp.com

	JURISDICTION/GOVERNING LAW
	Users of American Express Indonesia Site submit to the jurisdiction of the Indonesian courts. This Site is governed by the laws of Indonesia. This Web site is published in Indonesia for Indonesian citizens and permanent residents, and relates only to Indonesia AMEX-issued Cards denominated in Indonesian currency. If you have any American Express Card that is NOT issued by an American Express facility located in Indonesia, please check your local card office to determine if these benefits apply to you and your Card. Please use your browser's "BACK" button to return to the previous page.