American Express® India Online Privacy Statement

We use information about you in a number of ways. We’ll use it to:

• Deliver and improve our products and services.
• Process your application for one of our products or services, process and complete transactions, let you know about new features and benefits, and manage your accounts.
• Recognize you and your device in order to better communicate more effectively.
• Determine whether you may be interested in new products or services.
• Advertise and market our products and services, along those of our commercial and business partners. See the Digital Advertising section below for more information.
• Conduct research to better understand our online visitors, customers, and Card Members.
• Request feedback or reviews about our products and services, along with those of our commercial and business partners.
• Analyze the effectiveness of our advertising and marketing campaigns.
• Manage our business risks, such as fraud and credit and security risks.
• Review and process your application for one of our products or services.
• Manage your existing products or services.
• Detect and prevent fraud or criminal activity in order to safeguard your accounts. 
• We may use automated systems to help us make certain decisions, process card applications, manage fraud, and assess security risks. 
• We’ll also perform other duties required or permitted by law, or with your consent.
• We shall retain Information for only as long as necessary to meet legal or regulatory requirements or for legitimate business purposes as mentioned in this Policy.

Digital Advertising 

We advertise through our websites and apps, as well as third-party platforms. We may use your information to serve your devices marketing content or ads across tailored to your interests and general geographic location. Here are some ways this works:

• We use online behavioral advertising to collection information through Cookies and Similar Technologies regarding your online behavior over time and across different websites. Then, we use this information to serve you content or ads tailored to your interests.
• We may also provide content on social media sites and participate in targeted advertising campaigns on these platforms. 
• If you follow our social media pages or “like” content on these platforms, we may use your information to improve what and how we serve content to you on social media. 
• Keep in mind, we don’t own these websites and apps, and are required to use your information only in ways that are consistent with the privacy policies and Terms & Conditions of these platforms.

We may disclose information about you when necessary. We could disclose information to: 

• Providers who perform services for us that include printing, mail, advertising and marketing. We require all of such service providers to protect personal information according to our standards and use it only for the purposes we allow.
• Regulatory authorities, courts, and governmental agencies, in order to comply with legal or regulatory requirements, assist in legal or regulatory investigations, and protect the rights of American Express or others.
• Companies within the American Express group.
• Business or commercial partners – other financial institutions, loyalty programs, travel partners, and certain advertising partners with whom we offer or develop products and services.
• Necessary parties involved in the sale of all or part of a company in the American Express group, or its assets.
• Other relevant third parties, as required or permitted by law or with your consent. 

Cross-Border Transfers of Personal Information

We may need to transfer personal information to other countries with different data protection laws, in order to provide you with our products or services, unless it’s restricted by applicable law. Keep in mind, no matter where we process personal information about you, we’ll always protect it in the manner described in the Data Protection and Privacy Principles, this Statement, and in accordance with applicable laws.

We sometimes process information so that it no longer identifies any individual. This is referred to as aggregated and anonymized information. We use aggregated and anonymized information to:

• Analyze patterns among groups of people, Such as Card Members and online users.
• Create business insights or statistical research reports. 
• Improve our advertising and our business. 

We sometimes share aggregated and anonymized information with third parties, for many of the same reasons mentioned above.

We use administrative, organizational, technical, and physical security measures to protect the confidentiality, integrity, and availability of your personal information. Here’s what you should know:

• These measures include technological safeguards and appropriate access controls to data and facilities. 
• We take reasonable steps to securely destroy or de-identify your personal information when we no longer need it. 
• We keep personal Information for only as long as necessary to provide you with products or services – unless we’re required or permitted to keep it for longer by law, regulation, or for litigation or regulatory investigations. 

You have the power to make choices about how American Express uses your information for marketing and advertising purposes. We work with a range of advertising partners including ad networks, ad servers, and social media platforms to serve you our ads online. Your choices may vary, depending on whether we’re serving you ads through websites, email, apps, or social media.

• You can change your cookie preferences in your Browser (for example, Chrome, Safari or Internet Explorer) or your mobile device settings to limit the ways in which cookies may be used to collect and use information about you.  Click here for more information. 
• You can adjust how we use your information through your mobile device settings – for example, you can turn off location-based services and device ad tracking.
• In order to serve you better, we may reach out to you through WhatsApp in addition to standard modes of communication. If you do not wish to receive service updates for your account though WhatsApp, you may opt out of the service. Please ignore if you have already Opted Out. If you wish to resume the service, you may re-enroll. Please be advised that you will continue to receive updates through SMS and Email alerts.

If you don’t want to receive direct marketing communications from us, you can opt out through:

• Email: Click unsubscribe on the bottom of an email and follow the instructions or go to americanexpress.com/preferences.
• Phone: Register for the National Do Not Call List at https://trai.gov.in/faqcategory/unsolicited-commercial-communicationsucc

Keep in mind, even if you opt out of direct marketing, we’ll still communicate with you in order to service your account, fulfill your requests, or administer a promotion or program you’ve opted to be part of.

Communication Preferences

You can also make choices about how we communicate with you. To update your communication preferences, you can: 

• Log into your account at americanexpress.com/communications to update your marketing and data sharing choices.

Merchants

• Log into your account at americanexpress.com/merchant and visit your settings to update your marketing communications preferences.
• Call 1800-419-1414 and select option 2 , Monday till Saturday – 1000-2100 hrs

If you have any questions about this statement, feel free to get in touch. Contact details for all cards can be found at here.