Terms and Conditions
American Express SafeKey is an online authentication service that provides an additional layer of security to reduce theft and fraud when buying goods and services online at participating SafeKey merchants using your American Express® Card (your “Card”).
For holders of American Express Cards issued by Amex Bank of Canada, your use of American Express SafeKey is governed by these SafeKey Terms and Conditions (“Terms”), and your American Express Cardmember Agreement. You and your mean the Cardmember using American Express SafeKey. We, us and our mean Amex Bank of Canada.
Business Travel Accounts, Corporate Purchasing Cards, Corporate Meeting Cards and Prepaid and Gift Cards are excluded from using American Express SafeKey.
These Terms contain a limitation of liability clause which limits our responsibility and liability. Please refer to the “Limitation of Liability” section of these Terms for additional details.
IMPORTANT: By using American Express SafeKey, you agree to be bound by these Terms and consent to the collection and use of your personal information (such as your email address) by us to provide the SafeKey service (for example, to verify your identity or to authenticate your transaction).
We use your information in accordance with our Privacy Code and Online Privacy Statement, as they may be amended from time to time (“Privacy Policies”). These Privacy Policies provide information such as:
- What information we collect and how we collect it (for example, information to identify you and background information you provide us);
- The purposes for which we collect, use and disclose your information; and
- Additional examples to help you better understand how we collect, use, disclose and safeguard your personal information.
Please read these Terms carefully before using SafeKey. We recommend that you print a copy of these Terms for future reference.
1. ONE-TIME CODE
If we need to send you a One-Time Code to complete your transaction, we will send the One-Time Code to the email address you have provided that is on file with us. Your One-Time Code may only be valid for approximately ten minutes from the time you submit your Card details to the merchant (“Validating Period”). If you do not complete your transaction within the Validating Period, you will need to restart the transaction with the merchant.
You should ensure that your email messages are readily accessible before you start a transaction at a participating SafeKey merchant. You may request that we re-send your One-Time Code to you. It is your responsibility to ensure you have adequate internet connection to receive email messages otherwise you will be unable to access your One-Time Code and complete your transaction.
You must not share your One-Time Code with anyone. You must take all reasonable precautions to prevent anyone else from viewing any One-Time Code which we send to you. You should delete your One-Time Code once you have successfully completed the transaction with the merchant.
If you repeatedly enter your One-Time Code incorrectly, your access to SafeKey may be blocked and you may need to contact us to proceed with the transaction.
2. EMAIL DETAILS
If we do not have your email address on file, you will need to provide us with those details where you are prompted to do so. You will be asked certain security questions to verify your identity. If you do not answer these security questions correctly, then your access to your American Express online account may be blocked. You will need to contact us to un-block your access to your online account – see the Contact Us section below. If you forget the responses to your security questions or get the answers wrong, or if the email address you provide is invalid, not current or you are not able to receive or access your email messages, you may not be able to complete your transaction.
You can change your designated email address at any time by logging into your American Express online account or by calling the Customer Service number on the back of your Card.
IMPORTANT: If you provide us with your email address, we will update our records with this email address, and you will receive communications from us at this email address as you have consented. Your email address may be accessed by our affiliates if required by law. Please see Section 3 (Privacy) in these Terms for more details.
American Express takes your privacy seriously and the purpose of this Section 3 is to help you understand how your personal information, will be used, disclosed, transferred and otherwise processed when SafeKey is used.
We will use personal information collected through SafeKey for the purpose of providing the American Express SafeKey service (for example, to verify your identity or to authenticate transactions) and to update your email address in American Express’ systems as described in Section 2, above.
We will collect, use, disclose and safeguard your personal information in accordance with our Privacy Code and Online Privacy Statement, as they may be amended from time to time (“Privacy Policies”). We may transfer your personal information to third party service providers or companies within the American Express family of companies outside of Canada, for example, to process transactions and to provide you with the SafeKey services. Please visit our Privacy Policies or contact us to learn more.
You must only use American Express SafeKey, including each One-Time Code, with your own Card and only for the purpose of authenticating transactions made using your own Card.
You must comply with all of our instructions relating to the use of American Express SafeKey. You must not use American Express SafeKey for any unlawful purpose, including to commit any fraud. You also must not disclose your One-Time Code or security details to any third party.
5. LIMITATION OF LIABILITY
These terms governing our limitation of liability are in addition to the limitation of liability terms in your American Express Cardmember Agreement.
We are not responsible or liable for any costs, loss or damage you may suffer if you use American Express SafeKey, or if you are unable to complete a transaction at a participating SafeKey merchant due to factors, such as:
- You not being able to receive or access your email messages (such as email messages with your One-Time Code);
- The email address you provide not being valid or current;
- You entering your One-Time Code incorrectly;
- You forgetting the responses to your security questions or getting the answers wrong;
- Any un-preventable or un-foreseeable data compromise incident, third-party hacking, or systems failure;
- Your failure to comply with these Terms; or
- Any damage or any viruses which may affect your computer or mobile device or any software as a result of your access to or use of American Express SafeKey.
Amex will not charge you for receiving your One-Time Code; however, American Express is not responsible for any costs incurred by you as a result of you requesting or receiving your One-Time Code. Data charges may apply, please check with your service provider.
American Express does not recommend or endorse any merchant (or their goods or services) as a result of that merchant participating in American Express SafeKey. American Express does not represent that shopping at participating American Express SafeKey merchants is risk free.
These Terms were last updated on the Effective Date listed at the bottom of this page.
We may stop or suspend access to American Express SafeKey at any time. We may make changes to these Terms from time to time. We will indicate that changes to these Terms have been made by updating the date indicated after "Effective Date" at the end of these Terms.
If you continue to use SafeKey after we make changes to these Terms, you will be considered to have accepted the new Terms.
If we believe that you have provided any false, incorrect or incomplete information or if you fail to comply with any of these Terms, we can suspend or terminate your participation in American Express SafeKey.
Misuse & Fraud
If you suspect that your information is being misused, or an online transaction is unauthorized, you must notify us immediately by calling the number on the back of your Card. Visit our website to learn about our Fraud Protection Guarantee.
8. CONTACT US
If you have a question regarding American Express SafeKey, or an online transaction using American Express SafeKey, click here for the Frequently Asked Questions or call the Customer Service number on the back of your Card.
EFFECTIVE DATE: December 2015
® Registered trademark of American Express Company, used under license.
Amex Bank of Canada, P.O. Box 3204, Station F, Toronto, ON M1W 3W7
American Express SafeKey is provided under license.
© 2015 American Express Company. All rights reserved.