Effective Date: December 2018
At American Express, we are committed to safeguarding your privacy. We want you to know how we may collect, use, share, and keep information about you and the choices that are available to you.
When we provide American Express products or services to you, we may also give you specific additional details about how we will use your Personal Information/Sensitive Personal Data or Information ("SPI"). If you have an American Express product or service that is not provided by American Express (such as a Card issued by one of our partner banks), please review the relevant privacy notice that covers such product or service or contact your product or service provider for information about their privacy practices.
This online privacy statement applies to American Express websites, online applications that run on smart phones, tablets, and other mobile devices ("apps") as well as your use or access of any of our online services or content that link to this statement. It does not apply to those websites that have their own online privacy statements such as the American Express Network website, amexnetwork.com.
Our websites and apps are not intended for children under 18 years of age. We do not knowingly solicit data online from, or market online to, children under 18 years of age.
Since we may change this online privacy statement, we recommend that you check the current version available from time to time. If we make changes to this statement, we will update the "Effective Date" at the top of this page.
What is in this online privacy statement?
The types of information we collect depends on which product or service you use.
Sometimes you give information directly to us (or to our Service Providers). For example, you might give us your name, account number, email, mailing address, phone number, or date of birth when you:
We (and our Service Providers or Third-Party Ad-Servers) also collect information through Cookies and Similar Technologies. Most Cookies and Similar Technologies will only collect De-Identified Information such as how you arrive at our website or your general location. However, certain Cookies and Similar Technologies do collect Personal Information/SPI. For example, if you click (Remember Me) when you log in to our website, a cookie will store your username.
We may transfer Personal Information/SPI to Service Providers or companies within the American Express Family of Companies throughout the world, for example, to process transactions and provide you with our products or services. Regardless of where we process your information, we still protect it in the manner described in this online privacy statement and according to the applicable laws.
Aggregated Information or De-identified Information does not identify you individually; it helps us to analyze patterns among groups of people. We may share Aggregated Information or De-identified Information in several ways, for example:
We use administrative technical and physical security measures to protect your Personal Information/SPI. These measures include computer safeguards and secured files and facilities. We take reasonable steps to securely destroy or permanently de-identify Personal Information/SPI when we no longer need it.
We will keep your Online Information only as long as we must to deliver our products and services, unless we are required by law or regulation or for litigation and regulatory investigations to keep it.
You will always have a right to access, update, and change or correct your Personal Information/SPI. If you want to do so or if you have any questions about how we process your Personal Information/SPI, follow the links on the next pages or click here.
You have choices about how American Express uses your information, such as how we market to you or how we manage Cookies and Similar Technologies.
You can choose how you would like to receive marketing communications, including direct marketing - whether we send them to you through postal mail, email, SMS and/or telephone. If you choose to not receive marketing communications from us, we will honor your choice. Please be aware that if you choose not to receive such communications, certain offers attached to the products or services you have chosen may be affected. We will still communicate with you in connection with servicing your account, fulfilling your requests, fulfilling any regulatory requirement, or administering any promotion or any program in which you have elected to participate.
If you have questions about our online privacy statement or want to make a complaint, call us at the number on the back of your Card or at the following:
Personal Cards Click here for contact details
Merchants Click here for contact details
Corporate Cards Click here for contact details
Aggregated Information -- data or information relating to multiple people which has been combined or aggregated. Aggregated Information includes information that we create or compile from various sources, including card transactions or certain data from Cookies and Similar Technologies.
Cookies and Similar Technologies -- a cookie is a small data file that a website transfers to your computer's hard drive. We may place cookies when you visit our website or another company’s website where our ads appear or when you make purchases, request or personalize information, or register for certain services. If you accept the cookies used on our website, websites that are “powered by” another company on our behalf, or websites where our ads appear, you may give us access to information about your interests. We may use that information to personalize your experience. Similar technologies such as web beacons, pixels, gifs, and tags also do the same thing. We use the term Cookies and Similar Technologies in this statement to refer to all technologies that collect information in this way.
De-identified Information -- data or information used in a way that does not identify you to a third party. We often derive De-Identified Information from Personal Information/SPI. It includes information that we may collect from various sources, such as card transactions or certain data from Cookies and Similar Technologies.
Online Information -- data or information collected on the American Express websites and apps as well as on websites and apps of third parties relating to topics about our business which may include Personal Information/SPI, Aggregated Information and De-Identified Information.
Other Information -- American Express internal information (for example, Card transaction data), external data that financial companies use to process applications and complete transactions, and other online and offline information we collect from or about you.
Personal Information or Personal Identifiable Information” (PII) -- means any information that relates to a natural person, which, either directly or indirectly, in combination with other information available or likely to be available with a body corporate, is capable of identifying such person.
Sensitive Personal Data or Information does not include information that is freely available or accessible in the public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force.
Service Providers -- any vendor, third party and/or company that performs business operations on our behalf, such as printing, mailing, and other communications services (email, direct mail, etc.), marketing, data processing, servicing, collections, or ad management.
Targeted Advertising -- ads we, or our Service Providers, display on websites outside the American Express Family of Companies based on the preferences or interests inferred from data collected from a particular computer or device regarding web viewing behaviors over time and across different websites.
Third-Party Ad-Servers -- companies that provide the technology to place ads on websites (and apps) and track how ads perform. These companies may also place and access cookies on your device. The information they collect from our websites is in a form that does not identify you personally.