Privacy Disclosures

• Visit or use our website or apps;
  
  
• Receive or reply to electronic communications from us;
  
  
• View or click on our ads or other online content; and
  
  
• Interact with us through social media websites and other websites and applications.
   

Some Online Information is Personal Information.

In this statement, we also explain how we may combine Online Information with Other Information and how we then use the combined information.

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, biometric data, phone number, or date of birth when you:

• fill out an online form or survey, including when you book travel with us;
  
  
• register, log into or update the settings on your account using our online services;
  
  
• enter a competition or register for a marketing offer; or
  
  
• sign up for our products and services.
   

We (and our Service Providers or Advertising Partners ) also collect information including Personal Information through Cookies and Similar Technologies for purposes such as keeping our site secure, remembering website preferences, enhancing site functionality, analyzing site traffic, and advertising customization and measurement. For example, if you click Remember Me when you log in to our website, a cookie will store your username.

We (and our Service Providers or Advertising Partners) may collect information using Cookies and Similar Technologies about: 

• the device, operating system, and browser you use, such as when browse our websites, access our apps, or open electronic communications from us;
  
  
• the IP Address and related information (such as domain information, your internet provider and general geographic location);
  
  
• browsing history on our website or in our apps (such as what you search for, the pages you view, how long you stay, and how often you come back);
  
  
• how you search for our website, from which websites you arrive, and which of our Business Partners’ websites you visit;
  
  
• which ads or online content from us and our Business Partners you view, access, or click on;
  
  
• your browsing and app use activities over time, and across websites and apps (Service Providers or Advertising Partners perform such activities on our behalf);
  
  
• the likely associations among different browsers and devices, such as whether two devices are associated with the same individual;
  
  
• whether you open our electronic communications and which parts you click on;
  
  
• and information about your wireless account and device, including the location of your mobile device (for example, when you use mobile websites or apps to register to receive location-based content).
  
  

We (and our Service Providers or Advertising Partners) may also collect information made available through third-party platforms and apps (such as online social media platforms), through online databases or directories, or that is otherwise legitimately obtained. This information may be governed by the privacy notice(s) provided by the third party at the time of collection.

See the “What are your choices?” section below to learn more about your choices regarding the collection and use of your information, including through Cookies and Similar Technologies.

• Deliver and improve our products, services, and systems, including to:
  
  
  • recognize you when you return to our websites or use our apps across multiple devices;
    
    
  • complete transactions, including at retail stores and through digital channels (such as websites, apps, digital wallets, etc.);
    
    
  • tell you about updates to your accounts, products, and services;
    
    
  • update you about new features and benefits;
    
    
  • answer questions and respond to your requests made through our websites, through third-party websites (including social media), and through our customer contact channels;
    
    
  • use the location of your mobile device for location-based services that you may request;
    
    
  • determine how to best provide services to you and manage your accounts, such as the best way and time to contact you;
    
    
• advertise and market our products and services – and those of our Business Partners – including to:
  
  
  • present content or ads online that are tailored to your interests, including Targeted Advertising, across multiple devices;
    
    
  • send or provide you with ads, promotions, and offers;
    
    
  • analyze whether our ads, promotions, and offers are effective;
    
    
  • help us determine whether you may be interested in new products or services;
    
    
  • provide location-based content and advertising personalization;
    
    
• conduct research and analysis, including to:
  
  
  • better understand our customers across all of our communication channels, including our customer contact centers, our websites and apps;
    
    
  • allow you to give feedback by rating and reviewing our products and services and those of our Business Partners;
    
    
  • produce data analytics, statistical research, and reports;
    
    
  • assess, review and change our products, services, and systems;
    
    
• manage fraud and security risk, including to:
  
  
  • detect and prevent fraud, criminal activity, or violations to our terms and conditions.
    
    
  • safeguard the security of your information, our systems, and our facilities;
    
    
• assess credit risks relating to our business, including to:
  
  
  • evaluate and process your applications for our products and services and manage your existing accounts; and


• use it in other ways as required or permitted by law or with your consent.
   

We may process Personal Information for the purposes described above using manual (human) and automated methods of processing, including artificial intelligence (AI), in accordance with applicable laws.  

Some of our Advertising Partners are third-party advertising networks and social media partners that allow us to serve you with Targeted Advertising that is relevant to you when you are on a third-party website or app. 

See the “What are your choices?” section below to learn more about how you can opt out of having your Personal Information shared with AdvertisingPartners for Targeted Advertising purposes as well as opt-outs that may be provided directly by our Advertising Partners.

We may share Personal Information as required or permitted by law, with: 

• credit bureaus and similar institutions to report or ask about your financial circumstances, and to report or collect debts you owe;
  
  
• regulatory authorities, courts, and governmental agencies to comply with legal orders, legal or regulatory requirements, and government requests pursuant to valid legal process;
  
  
• our Service Providers, regulatory authorities, and governmental agencies to detect and prevent fraud or criminal activity, and to protect the rights of American Express or others;
  
  
• the American Express Family of Companies;
  
  
• our Service Providers who perform services for us and help us operate our business (we require Service Providers to safeguard Personal Information and only use your Personal Information for the purposes we specify);
  
  
• our Advertising Partners, such as through Cookies and Similar Technologies, for purposes of serving you Targeted Advertising. See “What are your choices?” for information about how to opt out of certain disclosures of your Personal Information.
  
  
• financial institutions or Co-brand Partners with whom we jointly offer or develop products and services, in connection with those joint offering; or
  
  
• necessary parties in the context of a sale of all or part of the American Express Family of Companies or their assets.

We may also share Personal Information with other third parties for their own use with your consent. If you have a Business Card, please review the Business Card Privacy Notice for additional information.

We may transfer Personal Information 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.

How do we handle Aggregated and De-identified Information?

De-identified Information is information that cannot be reasonably linked to or associated with you. Aggregated Information is data or information relating to multiple people, which has been combined or aggregated and which does not identify you individually. We may share Aggregated Information or De-identified Information in several ways, for example:
 

• for the same reasons as we might share Personal Information
  
  
• with Business Partners to help develop and market products or services; or
  
  
• with Business Partners to conduct analysis and research about customers and website visitors;
  

We use administrative, technical, and physical security measures to protect your Personal Information. These measures include computer safeguards and secured files and facilities. We take reasonable steps to securely destroy or permanently de-identify Personal Information 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.

Online and Targeted Advertising Choices

You have choices about how American Express uses and discloses your information, such as how we market to you or how we use Cookies and Similar Technologies.
 

• To opt out of certain disclosures of your Personal Information for Targeted Advertising purposes, please click the “Do Not Sell or Share My Personal Information” link at the footer of this site.
  
  
• We also participate in the Digital Advertising Alliance (DAA) self-regulatory program and adhere to the DAA principles for Online Behavioral Advertising. Click here to learn more about the DAA and your choices related to Targeted Advertising.
  
  
• If you want to exercise choices related to Targeted Advertising from American Express on third-party websites, click here. For Targeted Advertising from American Express in third-party apps, you can turn off mobile device ad tracking or reset the advertising identifier in your device settings on each of the devices that you use.
  
  
• If you do not want to receive Targeted Advertising using precise location data, you can turn off location-based services in your device settings.
  
  

Many Advertising Partners provide their own advertising-related opt-outs to consumers. We encourage you to learn more about Targeted Advertising and the choices you have by referring to the respective privacy statements of relevant Advertising Partners.

Direct Marketing Choices

You can choose how you would like to receive direct marketing communications - whether we send them to you through postal mail, email 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 product or services you have chosen may be affected. We will still communicate with you in connection with servicing your account, fulfilling your requests, or administering any promotion or any program in which you have elected to participate.

If you are a Card Member, a Merchant, or use another product or service, you may exercise your choices in the following ways:
 

• Log in to americanexpress.com/communications to update the product specific privacy preferences;
  
  
• Call 1-855-AXP-PRIV and follow the prompts.
   

You can also exercise certain choices by:
 

• Clicking on the Unsubscribe link on the bottom of marketing e-mails and following the instructions or going to americanexpress.com/preferences;
  
  
• Registering for the National Do Not Call List at https://donotcall.gov/register.html
   

Please consult the Privacy Notice associated with your specific product to understand the choices that may be available to you. 

How can you update your Personal Information?

You can update your Personal Information by logging in to your account at americanexpress.com. Card Members can also call the number on the back of their Card. Non-Card Members can call the customer service number associated with their product.