Effective October 2019
About American Express
American Express Australia Limited holds an Australian Credit Licence number 291313.
You can contact American Express in the following ways:
Mail: American Express Australia Limited
GPO Box 1582
SYDNEY NSW 2001
Telephone: 1300 132 639 (in Australia) or +61 2 9271 8664 (if overseas)
This Card Member Privacy Statement describes how American Express collects, uses, shares and keeps your credit information and personal information in accordance with the Privacy Act and the Australian Privacy Principles. If you do not agree to our use of your credit information and personal information in this way, we may be unable to provide our products and services to you.
In addition to this Card Member Privacy Statement, we also have more specific information available regarding how we handle your:
Collection use and sharing of credit information by American Express
American Express may obtain both consumer and commercial credit reports about you from a credit reporting body. We will use this information along with other information we hold about you (including Online Information) for purposes including:
American Express may disclose information about you to credit reporting bodies before, during or after credit is provided to you. This includes:
American Express may exchange information about you with credit providers named in your application or in a credit report issued by a credit reporting body. Among other things, this is to:
American Express may also exchange credit information about you with any person considering whether to act as a guarantor in relation to this and future applications by you for credit.
For more information about how we use credit information, see our Credit Reporting Policy at www.americanexpress.com.au/creditinfo .
Collection of personal information
Generally, if you are applying for a Card account we collect your personal details (such as name, date of birth and address), details about your employment, financial circumstances and other information relevant to your Card account.
American Express collects information about you in a number of ways, including:
Using personal information
We may use the information we collect about you (including Online Information) on its own or combine it with other information to:
- for the same purposes as for credit information listed above
- issuing your Card
- verify your identify when you contact us
- manage your Card account and your transactions
- tell you about new features, benefits and updates to your accounts, products, and services
- send or provide you with marketing, promotions and offers
- analyse whether our marketing, promotions and offers are effective
- help us determine whether you may be interested in new products or services
- better understand our customers - allow you to rate and review our products and services
- produce data analytics, statistical research, and reports
- review and improve our products and services and make them easier to use
- develop new products and services
- detect and prevent fraud or criminal activity
- safeguard the security of your information
- assess your credit worthiness, and make decisions about whether or not to approve your application for credit
- to manage your existing accounts and credit limits
- verify your income;
- verify your identity and your identification documents.
When we might share your Personal Information
We do not share Personal Information with anyone except as described below. We only share Personal Information as required or as permitted by law as follows:
Aggregated and De-identified Information
Aggregated or de-identified Information is not personal information and does not identify you individually; however, it may be derived from personal information. It helps us to analyse patterns among groups of people. We may share aggregated or de-identified Information in several ways, for example:
Recording Phone Calls
American Express may also monitor and record your telephone conversations with us for staff training and service quality control purposes.
From time to time, American Express, its agents and business partners (including insurance companies) will send you and any additional Card Members information about products, services, offers and other promotions on offer from American Express or jointly with its business partner. These communications may be sent electronically (for example by email, mobile message or push notification), by phone or by post. You can opt-out from receiving direct marketing at any time by calling 1300 132 639. You can also adjust your communication preferences using our Online Preferences or opt-out of email marketing by clicking ‘unsubscribe’ in the footer of our emails. This will continue until you opt-out or until twelve months after you cease being an American Express Card member.
Transfer of your personal information and credit information overseas
American Express is a global organisation and we may use international entities to help our business functions. As a result, American Express may need to share your information outside of Australia. It is impracticable for American Express to list out each and every country that we may share your information to, but such countries include the United States of America, Malaysia, India and the United Kingdom. American Express will ensure that any transfer of your personal information is subject to appropriate conditions of confidentiality to ensure your information is handled consistently with the Australian Privacy Principles.
How we store your personal information
American Express stores personal information in a combination of secure computer storage facilities and paper-based files and other records. American Express has taken a number of steps to protect the personal information we hold from misuse, loss and unauthorised access, modification or disclosure. American Express uses generally accepted technology and security so that we are satisfied that your information is transmitted safely to us through the internet or other electronic means. American Express will take reasonable steps to securely destroy or permanently de-identify personal information when we no longer need it.
Information about other persons
If you provide personal information about someone else to American Express, you must make sure that the individual has seen, understood and agreed to:
Complaints, Access and Corrections
We endeavour to provide you reasonable access to the personal information we hold about you where it is legal, reasonable and feasible for us to do so. There is no fee to request access to your personal information, however we may charge a fee to collate and provide your personal information with your consent.
If you think any of the information we hold about you is inaccurate, incomplete or out-of-date, you can ask us to update it or correct it.
To request access to your personal information, request a correction or make a complaint, please call us on 1300 132 639 or write to:
The Privacy Officer
American Express Australia Limited
GPO Box 1582
SYDNEY NSW 2001
In the event we refuse to give you access to your personal information, or do not consider that your information needs correcting we will provide you a written explanation of our decision and your options of review. You may ask us to include a statement alongside your personal information which says that you think your personal information is inaccurate, incomplete, misleading or out of date.
Where you make a complaint we will confirm in writing that it has been received by us within seven days. We endeavour to resolve your complaint within 30 days and where we are unable to we will contact you to explain why and request more time.
Where you are unsatisfied with the way we have handled your complaint you may escalate your complaint to the Australian Financial Complaints Authority (AFCA) who facilitates a free dispute resolution service. AFCA will generally ask if you have tried to resolve the issue with us first. You may contact AFCA on 1800 931 678, through www.afca.org.au or at GPO Box 3, Melbourne, VIC, 3001.