American Express Cambodia Website Rules & Regulations

American Express Company, its subsidiaries and affiliates ("American Express") requires that all visitors to our site(s) on the World Wide Web that mention American Express branded products and services (the “Site”) adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions.

1. LAWS AND REGULATIONS

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

2. COPYRIGHT/TRADEMARKS

The trademarks, logos and service marks ("Marks") displayed on the Site are the property of, respectively, 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 obtaining the prior written permission of American Express or such third party which may own the Marks, as the case may be. 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.

3. HYPERLINKING AND LINKED INTERNET SITES

This site may provide a link to other sites by allowing the user to leave this site to access third-party material or by bringing the third-party material into this site via "inverse" hyperlinks and framing technology (a "linked site"). American Express does not have any discretion to alter, update, or control the content on a linked site. The fact that American Express has provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers. There are inherent risks in relying upon using, or retrieving any information found on the internet, and American Express urges you to make sure you understand these risks before relying upon, using, or retrieving any such information on a linked site.

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 American Express specifically disclaim any responsibility for the Content available on any other Internet sites linked to the Site other than their own. Access to any other Internet sites linked to the Site is at the user's own risk. User should be aware that linked sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. American Express shall not be responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

4. NO WARRANTIES

All content, products, and services on the site, or obtained from a website to which the site is linked (a "linked site") are 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.

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 or a linked site, or user's reliance on any product or service obtained from a linked 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, or obtained from a linked site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice, product, service, or other content.

5. LIMITATION OF LIABILITY FOR USE OF THE SITE

American Express specifically disclaim 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 American Express have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.

6. CONFIDENTIALITY OF USER COMMUNICATIONS

Except as required by law, 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. Furthermore American Express may, without liability of any kind or nature, use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any third party including but not limited to its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by American Express, subject to applicable law.

7. POSTINGS

American Express is not under any obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes any 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..
• 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 and containing confidential information about 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.

8. TRANSMISSION OF PERSONAL DATA

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's standard business practices. User should be aware that linked sites may contain transmission of personal data provisions that differ from the provisions provided herein. American Express is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

9. 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.

10. VIOLATIONS 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..

11. 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.

12. GOVERNING LAW

These rules and regulations are governed by the laws of the State of New York, USA.

Privacy Statement

Effective Date: 11/2023

American Express Company, its subsidiaries and affiliates ("American Express") is committed to protecting your privacy. Our global set of Data Protection and Privacy Principles outline our commitment to the privacy of all our customers.

This Online Privacy Statement outlines what information we collect online, why we collect it, and how we access, use, disclose, and protect it.  This includes information we collect online through:

•  Online services we operate – such as our websites and mobile apps.
• Services or content we provide to third party platforms – such as online communications, social media pages, voice assistant apps, and digital ads.
• All other services or content that link to or reference this statement. 

Our websites and apps are not intended for use by persons under 18 years of age. We don’t knowingly collect information online from – or market online to – persons under 18 years of age.

Here’s something to keep in mind

We may provide you with more details about how we use your information, depending on the product or service you use. In this case, we’ll provide additional Terms & Conditions, privacy statements, or notices.

Third-party services – such as social media sites – have additional terms that explain how they handle your information. Please take a moment to review the terms of any other online services you use, to ensure your security.

What’s in this statement?

A. Information We Collect

B. Use of Information

C. Disclosure of Information

D. Aggregated and Anonymized Information

E. Security

F. Your Choices

G. Changes to This Statement

A. INFORMATION WE COLLECT

The type of information we collect depends on the product or service you use.

We collect Cookies through this website and personal information to the extent Cookies can be considered personal information or able to collect personal information based on the law applicable in the country. Please refer to the section below on Cookies and Similar Technologies and to our Cookie Policy for more information. The additional information contained in this Privacy Statement are meant to better outline our Data Protection and Privacy Principles but are to be construed only in relation to personal information collected through Cookies, as applicable.

Cookies and Similar Technologies

We collect information through Cookies and Similar Technologies when you use our online services or access content online.

A cookie is a small data file that a website transfers to your computer. Similar technologies include clear GIFs, web beacons, and pixel tags, which tend to be transparent images on websites. Our Cookies and Similar Technologies collect information about your device, operating system, and web browser. They also collect information about your use of the device.

Cookies and Similar Technologies collects information that includes:

• Information related to your IP address, such as your domain, internet provider, and general geographic location.
• How you use our websites and apps, such as what you search for on our websites and apps, the pages you view, how long you stay, and how often you visit them.
•  How you search for our websites or apps, which website or apps directed you to us, and, in some cases, if you’ve visited a website operated by one of our business or commercial partners.
• Ads or online content created by American Express or our business and commercial partners that you view, access, or click.
• If you use your mobile device to access our products or services, we may collect information related to that device, such as your location.

B.  USE OF INFORMATION

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

• 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.
• Analyze the effectiveness of our advertising and marketing campaigns.
• We’ll also perform other duties required or permitted by law, or with your consent.

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 collect 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.
• 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.

C. DISCLOSURE OF INFORMATION

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.

D.  AGGREGATED AND ANONYMIZED INFORMATION

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 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.

E. SECURITY

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.

F.  YOUR CHOICES

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, Microsoft Edge 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.

G.  CHANGES TO THIS STATEMENT

We may change this statement when necessary. Depending what we change, we may let you know in advance. Whenever we make any changes, we’ll update the “Effective Date” at the top of this page. Any changes to this statement will become effective immediately when posted. When you continue to use our products and services following an update, it will indicate that you accept the revised statement.