Skip to main content
Start of menu
Search US website
Close Menu
Return to American Express for PASS HomePrint
For PASS Card questions or feedback call 1-877-405-7277
  • CARDMEMBER AGREEMENT OVERVIEW

    The terms and conditions set forth in this Cardmember Agreement (“Terms and Conditions”) govern the use of your PASS from American ExpressSM Prepaid Card. The term “Card” or “PASS Card” refers to the PASS from American ExpressSM Prepaid Card issued to you. “You” and “Your” means both the person who has purchased the Card and the persons who are authorized to use the Card, including but not limited to other adults or a minor child as described below. The Card purchaser must be at least 18 years of age to purchase and register the Card, and you may only authorize someone who is 13 years of age or older to use the Card. Anyone you authorize to use the PASS Card (including but not limited to another adult or a minor child such as your teen) shall also be subject to these Terms and Conditions and any other terms and conditions relating to the Card to which that person agrees. By purchasing, signing or using the PASS Card, or by allowing someone else to do so, you (a) agree to these Terms and Conditions, on behalf of yourself and each minor for which you are parent, guardian or the like, and (b) agree that all agreements now or hereafter made by "you" in these Terms and Conditions or on the Website for the PASS Card are and will be made by you in each of these capacities. These Terms and Conditions incorporate by reference the PASS from American ExpressSM Deal Center Terms and Conditions ("Deal Center Terms"), and The Terms and Conditions for PASS from American ExpressSM Prepaid Card Account Alerts ("Account Alerts Terms"). The terms “we” “our” and “us” refer to American Express Travel Related Services Company, Inc., the issuer of the PASS Card.

    • REGARDING PASS CARD USERS WHO ARE MINORS

      As explained above, you agree to the Terms and Conditions, as well as the Deal Center Terms and the Account Alerts Terms, on behalf of minors for which you are parent, guardian or the like ("Minor(s)"). You agree to review all of these agreements with your Minors and to educate or instruct them regarding your wishes for their use of the PASS Card and the PASS Card Website. You agree that we may rely on all uses of the Card and all acts taken at the PASS Card Website or at other websites which are made or taken using the password and other PASS Card credentials assigned to the Minor, even if those uses or acts contravene your instructions to the Minor or these Terms and Conditions. You also acknowledge and agree that: (i) the Privacy Notice and the Privacy Statement apply not only to you but to your Minor; and (ii) your Minor may use all aspects of the Card, the PASS Card Website and other websites accessible to Minors from time to time and may provide information, authorizations and consents we request in connection with such use. This includes, without limitation, starting or stopping text message "Account Alerts" and providing related mobile telephone numbers and consents, and providing or changing information or selecting services that might be different from what you provided or selected. If you allow a minor to use a Card but are not the minor's parent or guardian (e.g., you buy a Card for your niece), you agree to obtain permission from the person who is responsible for the minor (e.g., the parent) so that the responsible person can have the above discussions with the minor and provide to you all of the above consents. You represent and agree that you have already done that or that you will do so before the minor first uses the Card, and that we may rely on your representation and agreement.

  • ABOUT THE PASS CARD

    The PASS Card is a prepaid payment device which must have funds loaded to it prior to use. The Card is not a gift card, credit card or charge card and does not constitute a checking, savings or other demand deposit or consumer asset account. The Card is not a payroll card and cannot be used to make payroll to anyone. The value of the funds available on your PASS Card at any time is referred to as your "Available Funds." Subject to the amount of Available Funds on your Card, we may allow you to use the Card to obtain cash from Automatic Teller Machines (ATMs) in accordance with these Terms and Conditions. The Card may also be used for payment of goods and services at retailers and other merchants that accept the American Express Card, both within the United States and internationally. This includes mail order, online and brick and mortar establishments (each a "Merchant"). However, the Card may not be used on cruise lines, at casinos, or for car rental charges. The PASS Card is not intended for use for alcohol, gambling or adult entertainment purchases, which you agree not to make with the Card. You also agree that you will not use the Card to engage in any type of illegal activity or prohibited sale (e.g., purchase of alcohol or tobacco by a minor). Merchant categories are determined by Merchants and other parties, and you agree to hold us harmless for any transactions that occur as a result of inaccuracies in Merchant classification.

  • FOR BALANCE AND 24-HOUR CUSTOMER SERVICE

    Text “BAL” plus the last 4 Card number digits to 91315 (e.g. “BAL XXXX”), Data charges may apply.
    Visit americanexpress.com/pass
    Call U.S. 1-877-405-7277 / INTERNATIONAL COLLECT 1-801-945-9559 (“Customer Service Number”)

  • BUYING AND SETTING UP YOUR PASS CARD

    • Authorizing Persons to Use Your Card

      You may request that your Card be issued to another eligible person, including but not limited to another adult or a Minor (a "PASS Card User"). If you do, you are authorizing that PASS Card User to use the Card and agree that you are personally liable and responsible for (i) that PASS Card User’s use of the Card (including without limitation all access to sites by which providing the PASS Card or Card number permits entry), (ii) all financial and other transactions performed with the Card or Card number by, and all consents provided by, that PASS Card User, (iii) the PASS Card User’s use of the Deal Center and all other third party sites irrespective of whether they are linked to from the Deal Center, (iv) all other obligations of that PASS Card user relating to the Card. If the PASS Card User that you authorize to use the Card allows someone else to use it, you agree that all uses, transactions and obligations of that person will be deemed to be those of the PASS Card User, and that you will be liable for those as well.

      The Card purchaser agrees to provide copies of all relevant agreements, consents and disclosures regarding the PASS Card, including, but not limited to, copies of the Privacy Notice, to each PASS Card User and to inform them that their use of the PASS Card will bind them to those documents and that if they do not want to be so bound, they must not use the Card and must cancel any Card issued in their name.

      The PASS Card is not a gift card. If you request that your Card be issued to another person, you are authorizing that PASS Card User to use the Card and you are not giving the Card to such PASS Card User as a gift.

      Other than your authorized recipient or as allowed by us, the PASS Card is not transferable and you agree not to permit any other person to use your Card. You must notify us to revoke permission for any person previously authorized to use your Card. If you tell us to revoke another person’s permission to use your Card, we may cancel the Card issued to that person and issue you a new Card with a different number. You are wholly responsible for the use of each Card according to the terms of this Agreement.

    • Purchasing the Card and Designating a Funding Source

      When you purchase the Card, you must initially load at least $25.00 to the Card from a U.S. savings or checking account in your name which has been verified by our systems (“Bank Account”).We may, but are not obligated to, accept a variety of funding sources to reload the Card at any time, such as a Bank Account issued in the United States, Puerto Rico or U.S. Virgin Islands to a Cardmember with a physical billing address in the same jurisdiction, an American Express®credit or charge Card in your name, a Green Dot ® MoneyPak®or Vanilla Reload Network® Prepaid Reload card, or a direct deposit of all or part of your paycheck. We may change the types of eligible funding sources at any time. In our sole discretion. Any funding source associated with a Card must be owned by the purchaser of that Card. By designating a Bank Account or American Express® credit or charge Card as a funding source, you will authorize and cause monies to be debited from or charged to that funding source each time you load your Card with such funding source.

      IMPORTANT: The Card purchaser must verify his or her e-mail address before funds loaded to the Card from a Funding Source may be accessed.

    • Registering and Managing Your Card Online

      After you purchase a Card, you must register the Card, verify your e-mail address and designate a personal password that you may use to sign in to the Card web site to check your Available Funds, view your transactional history (“Online Transaction History”), or designate a new Funding Source. You are responsible for keeping this password safe and you will need it every time you sign in to the portion of the Card website that contains your personal PASS Card data; we call this your “Card Servicing Page.” Please notify us immediately at the Customer Service Number if you believe that the security of your Card or password has been compromised.

      You agree: (i) to provide personal information during the registration process that is accurate and complete; (ii) to update your personal information as necessary so that it remains accurate and complete; and (iii) not to impersonate any other person, operate under an alias or otherwise conceal your identity. We will use the information you give us, as well as the information we receive from your use of the Card, to facilitate your participation in PASS Card services and for other purposes consistent with our Privacy Notice, which can be found at americanexpress.com/passprivacy. Your Card Servicing Page will contain the Card’s Online Transaction History and will be accessible to you on the website. You must have your password in order to access your Card Servicing Page.

    • Signing Your Card

      The person in whose name the Card has been issued must sign his/her signature on the back, where indicated. Write down your PASS Card number and the Customer Service Number on a separate piece of paper in case your PASS Card is lost or stolen.

    • Electronic Delivery of Notices and Information

      The PASS Card is a paperless product, which means, among other things, we will attempt to provide you with all notices and communications, including legally-required notices and communications which you may otherwise have the right to receive in paper form, in electronic form (e.g. by e-mail, our website or mobile message instead of paper), except as otherwise specified in this Cardmember Agreement and our "Consent Statement". While this Card is intended to be paperless we reserve the right, but are not obligated, in certain circumstances and in our sole discretion to communicate with you using all available lawful methods of communication (by paper, telephone, etc.).

      The PASS Card is intended for use only by those willing and able to receive all notices and communications from us exclusively via electronic means (e.g. via e-mail, mobile message or our website) in accordance with our terms and conditions provided herein and in our Consent Statement. At registration, for the duration of this Card usage and in certain instances following the termination of your Card account with us we require your valid and working e-mail address in order to ensure we can effectively communicate with and deliver our services to you. Before the card may be activated, the Card purchaser must verify his or her e-mail address and electronically consent to the terms and conditions set forth in our Consent Statement. You can withdraw your consent at anytime but only in the manner set forth in our Consent Statement. Such withdrawal may result in the disruption, suspension or termination of your Card account

    • Consent to Fees

    • Fees:

      We charge you certain fees and charges (“Fees”), as described below, including but not limited to fees for certain transactions you or other authorized persons make with your Card. Fees are subject to change by us at any time and are listed on the next page:

      Fees
      ATM Fee No charge for first ATM withdrawal per calendar month. $2.00/withdrawal thereafter
      Assessed against the PASS Card balance.
      Please note: ATM owners/operators may also charge their own fees for each withdrawal.

      For the most recent schedule of Fees that apply to your Card, please call the Customer Service Number or visit americanexpress.com/pass. We reserve the right to (i) deduct any Fee from the Available Funds on your Card or otherwise charge you as provided in these Terms and Conditions, subject to applicable law or (ii) waive any Fee at any time.

    • ACH Authorization and Agreement

      By supplying your bank account number or bank’s routing number to us via the Website in connection with your election to make payments on or load funds to your PASS Card through a consumer deposit account, you provide this ACH Authorization and Agreement and certify and agree as follows:

      You are the owner of the deposit account whose number (and bank routing number) you have supplied and designated as your PASS Card funding source (your "Account"), such Account is a consumer account and you are authorized to make withdrawals from it without the approval or participation of anyone else.

      You authorize American Express Travel Related Services Company, Inc. (and its successors, assigns and service providers) to initiate credit or debit entries to your Account from time to time until your Card is cancelled and no further credits or debits are authorized under the Cardmember Agreement.

      You acknowledge that you have the right to receive at least ten (10) days’ prior notice of the amount and date of each pre-authorized transfer from your Account that varies in amount from the previous transfer, but you choose to only receive notice when such transfer differs from the most recent transfer by more than $5.

      You acknowledge and agree that (i) the origination of ACH transactions to your account must comply with the provisions of U.S. law, and (ii) you will receive at the email address you have provided via the Website any required notices of variations in the amount or timing of debits to your Account.

      Your ACH Authorization and Agreement is a continuing one that will remain in full force and effect until you cancel this Authorization and Agreement via the Website or by calling the Customer Service Number. You agree to do so in time for us to have a reasonable opportunity to act on your cancellation and you understand that you may only give notice of cancellation of this ACH Authorization and Agreement via the Website or by calling the Customer Service Number, and failure to do so will void your notice of cancellation.

      You understand that you will be deemed to have signed this ACH Authorization and Agreement by entering your Account number and your bank’s routing number on the Website as a symbol of your signature. You authorize us to date this ACH Authorization and Agreement as of the date you submit your Account number and bank’s routing number, and you agree to print or save a copy of this ACH Authorization and Agreement.

    • USING YOUR PASS CARD

      • Loading the Card

        When you purchase the Card, you must initially load at least $25.00 to the Card from your Bank Account. After the initial load, and after the Card purchaser verifies his or her e-mail address and you activate the Card, you can reload funds to the Card at any time using your Bank Account or an American Express® credit or charge card in your name (each, a (“Funding Source”), a Green Dot® MoneyPak® or Vanilla Reload Network® Prepaid Reload card (each, a (“Cash Loading Method”), Direct Deposit of all or part of your paycheck, or any other funding source or method accepted by us from time to time.

        IMPORTANT: The Card purchaser must verify his or her e-mail address before funds loaded to the Card from a Funding Source may be accessed.

        We reserve the right to delay the availability of funds loaded to your Card using any of these funding sources until such funds have cleared and posted to your Card. Funds loaded to the Card from your Bank Account will generally be available within five (5) business days after your load instructions, funds loaded to the Card using your American Express credit or charge card or a Cash Loading Method will generally be available shortly after loading, and funds loaded to the Card using Direct Deposit will generally be available on the business day we receive the Direct Deposit transfer. We may change accepted tender types and funding sources and methods for the Card at any time for legal, risk management, security or other purposes.

        You may load funds to the Card using your Funding Source or Cash Loading Methods until the aggregate balance on your Card (and Cards you purchased for others) equals $2,500, and you may load funds to your Card using Direct Deposit until the aggregate balance on your Card (and Cards you purchased for others) equals $5,000.  Not more than $1,000 may be loaded to your Card on any day using Cash Loading methods, not more than $2,500 may be loaded to your Card in any [28-day period] using your Funding Source or Cash Loading Methods, and not more than $5,000 may be loaded to your Card in any month using Direct Deposit.  The maximum aggregate balance on your Card (and Cards you purchased for others) at any time may not exceed $5,000. We may change these limits at any time for legal, risk management, security or other purposes.

        You will not receive interest on funds loaded to the Card, and funds loaded to the Card are not insured by the Federal Deposit Insurance Corporation. In order to load funds to the Card using a MoneyPak or Prepaid Reload, simply purchase a MoneyPak or Prepaid Reload with cash at a participating retailer in the amount you want loaded to the Card. To load the funds on the MoneyPak to the Card, call 1-800-479-3636 or go to MoneyPak.com. To load the funds on the Prepaid Reload to the Card, call 1-877-429-8140 or go to vanillareload.com. Fees are charged by Green Dot and InComm to purchase and use a MoneyPak and Prepaid Reload, respectively, but there are no additional fees assessed by us for a cash load via either MoneyPak or Prepaid Reload.

      • DIRECT DEPOSIT

        You may arrange to have all or part of your paycheck transferred directly to the Card by your employer or other appropriate payor. To enroll, you will need to provide your employer or payor with the direct deposit enrollment form available by accessing your online account at the Website (your employer may request that you fill out an alternate form). Funds transferred via direct deposit will generally be available on the day we receive the transfer. If you have arranged to have direct deposits made to the Card, you may review your Online Transaction History or call the Customer Service Number to verify that each deposit has been made. We reserve the right to accept, reject or limit transfers via direct deposit in our sole discretion. You may cancel your direct deposit authorization at any time by sending a written notice to your employer and providing your employer and us sufficient time to act upon the notice. Your employer may terminate this method of payment, with or without cause, at any time.

        Please note:
        1. Payments by the U.S. government may not be direct deposited onto the Card. This includes wages, salaries and retirement benefits if you work(ed) for the U.S. Government, benefits such as Social Security, SSI, Civil Service Retirement, Veterans Affairs compensation and/pension, If you try to set up direct deposit for these payments, they may be rejected by us, resulting in possible delay in your receipt of such payments; and
        2. You can load funds to the Card (and Cards you purchased for others) using direct deposit until the aggregate balance on your Card (and Cards you purchased for others) equals $5,000. Not more than $5,000 may be loaded to your Card in any month using direct deposit. The maximum aggregate balance on your card and Cards you purchased for others at any time may not exceed $5,000.

        IMPORTANT: The Card purchaser must verify his or her e-mail address before funds loaded to the Card via direct deposit may be accessed.

      • Pre-Authorization of Recurring Loads to Your Card

        You may request that your Card be loaded from your Funding Source in a set amount on a recurring, periodic basis. You must use your personal password to sign into the Website in order to request recurring loads on your Card.

      • Purchases at Merchant Establishments

        Present the Card to the Merchant at the time of payment and sign the receipt with the same signature you used when you signed the back of your PASS Card. Retain the receipt as a record of the transaction. You agree to use the Card only at Merchants and only for lawful purposes. You acknowledge that purchases made with prepaid cards, such as the PASS Card, are similar to those made with cash. You cannot “stop payment” on such transactions.

        Depending on the Merchant’s policy, you may be able to use your Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a “Split Tender Transaction.” To make a purchase for more than the Available Funds on the Card:

        1. Present the Card for payment and tell the cashier it is a prepaid card.
        2. Tell the cashier the Available Funds and ask whether another form of payment will be accepted for the balance of the purchase.
        3. Before the Card is “swiped,” tell the cashier to only authorize the Card for the Available Funds.
        4. If the Card is declined, remind the cashier of the Available Funds.
        5. Be prepared to provide a second form of payment to cover the balance of your purchase.

        Some Merchants may only allow you to use cash or check, but not another card, as the second form of payment. Some Merchants do not permit a second form of payment at all. We do not guarantee that a Merchant will permit a Split Tender Transaction.

        You can also use the Card to make a purchase over the internet or by mail-order. However, some internet and mail-order Merchants do not permit a second form of payment at all. If you experience any difficulty making a purchase online or by mail order with the Card, please call the Customer Service Number for assistance.

      • Funds Shortages

        Each time you use your Card, the amount of the transaction will be debited from your Card’s Available Funds. You agree not to make a purchase or other transaction in excess of your Card’s Available Funds. If you do make a purchase or other transaction or if a Fee is deducted from Available Funds that exceeds the Available Funds on your Card and, as a result, the balance on your Card is negative (a "Shortage"), you shall remain fully responsible for the Shortage amount and we reserve the right to require that you immediately forward payment to us for any such Shortage. Subject to applicable law, we reserve the right to debit the Available Funds on your Card or any other prepaid card you hold that is issued by us, or debit any subsequent loads to the Card, for any Shortage Amount upon the occurrence of a Shortage.

      • Tracking Your Balance & Verifying Your Transactions

        The value on your Card at any time is referred to as its “Available Funds.” The Available Funds on your Card do not expire. There are three ways that your Available Funds may be decreased. First, if you make a purchase with the Card or a cash withdrawal, we will deduct the full amount of that purchase or cash withdrawal, including taxes and any other fees, from the Available Funds. Second, if you use the Card and the Merchant authorizes for an amount greater than the actual purchase (e.g., when you use the Card at a merchant expecting a gratuity), the Available Funds will be temporarily decreased by the amount of the authorization until the actual transaction posts, which typically occurs within 3 business days. Only the final amount of the purchase will ultimately be deducted from the Available Funds. Third, your Available Balance may decrease if a Fee is deducted from it as provided in these Terms and Conditions. Once the Available Funds reaches zero ($0), you agree that you will no longer use the Card until Funds have been reloaded to the Card.

        Restaurants, hair salons and some other types of Merchants will obtain an authorization on the Card for an amount up to 20% more than the total service bill to cover any gratuity that may be added. Be sure that the Available Funds on your Card are sufficient to cover the cost of the bill plus any anticipated gratuity. If the Card is declined, ask the Merchant to obtain an authorization for an amount equal to or less than the Available Funds.

        Gas stations will routinely obtain an authorization on the Card for an estimated purchase amount to ensure that the Available Funds will cover the final purchase. To avoid having a gas station obtain authorization for an amount that is higher than the Available Funds, we suggest that you prepay inside at the cashier for an amount equal to, or less than, the Available Funds on the Card.

        You may obtain information about the Available Funds on your Card at no charge by calling the Customer Service Number. This information, along with a 60-day history of transactions on your Card, is also available online by signing into your Card Servicing Page at americanexpress.com/pass. You have the right to obtain a 60-day written history of account transactions by calling the Customer Service Number, or by writing us at American Express, PO Box 30383, Salt Lake City, UT 84130.

      • ATM Access

        We will provide you with a Personal Identification Number (“PIN”) online after you have successfully registered for the Card. Unless the person who has purchased and registered the Card has specifically blocked the Card’s cash access feature, you may use your Card and PIN to obtain cash access via an Automatic Teller Machine (“ATM”). Do not write or keep your PIN with your Card. If you believe your PIN has been compromised, or you otherwise need to request a change in your PIN, please immediately contact our Customer Service Number. To get cash, use the “withdrawal from checking” option at a participating ATM. Subject to the amount of Available Funds on your Card, you may use the Card to obtain up to $200.00 U.S. per day, plus any fees assessed. You can use the Card at a majority of the ATMs in the U.S.  Acceptance within ATM Networks may change at any time. Use of the Card at ATMs is subject to all applicable fees, surcharges, rules and customs of any clearinghouse, ATM network, or other institution or association involved with the transaction. We may impose a fee each time a Card is used to obtain cash or any other services from an ATM, as set forth in the Schedule of Fees. The owner of the ATM may also impose a fee in addition to any fee charged by us. The ATM owner must disclose any fee(s) they charge prior to you confirming the transaction.

      • Transactions Made in Foreign Currencies

        If you make a purchase at an establishment or ATM withdrawal in a foreign currency, it will be converted into U.S. dollars on the date it is processed by us or our agents. Unless a particular rate is required by applicable law, you authorize us to choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a transaction in a foreign currency is no greater than (a) the highest official conversion rate published by a government agency, or (b) the highest interbank conversion rate identified by us from customary banking sources on the conversion date or the prior business day. This conversion rate may differ from rates in effect on the day of your transactions. Charges converted by Merchants (such as airlines) will be billed at the rates these Merchants use.

      • Returning Merchandise

        If you wish to return any merchandise purchased with the Card, you will be subject to the Merchant’s return policies. If the Merchant agrees to issue a credit to the Card, such funds may not be available for seven (7) days or longer.

    • MANAGING YOUR PASS CARD

      • Replacing Your Card After its “Valid Thru” Date

        Please note the Card has a “Valid Thru” date on the front of the Card. This “Valid Thru” date is the date through which your physical plastic card must be used, and is required to process purchases at Merchants that request a plastic expiration date. Even if the “Valid Thru” date has passed on your Card, remember that the Available Funds on your Card remain unchanged and intact, as they do not expire. You may not use the Card after the “Valid Thru” date on the front of the Card.

        You should receive a replacement Card from us before your old Card’s “Valid Thru” date passes. Once you receive your new Card, you should cut the old Card in half and throw it away. The old plastic device may not be used for transactions or purchases. You can start using your new Card for transactions and purchases as soon as you receive it in the mail and it is activated (if applicable). If you do not receive a replacement Card in a timely manner, please call the Customer Service Number.

        If for any reason we are unable to send you a replacement Card, please keep your old Card and notify us. You may contact us at the Customer Service Number to obtain a replacement Card or instructions on how to redeem Available Funds.

      • Lost or Stolen Cards

        You are not liable for fraudulent purchases.If your PASS Card is lost or stolen, contact us immediately at the Customer Service Number. You must provide your name, address, Card number and other details for identification purposes. You agree to give us all reasonable information and help requested to make a complete investigation of the loss or theft and we reserve the right to investigate the loss or theft. If your Card is lost or stolen, we will issue you a replacement Card with a value equal to the Available Funds on your Card at the time you notified us of the loss or theft. If you believe that an unauthorized transaction has occurred after your Card was lost or stolen, please follow the instructions described in the section entitled “Errors or Questions about Transactions related to the Card.”

      • Errors or Questions about Transactions related to the Card

        Write or call us at the Customer Service Number or address given herein as soon as you can if you think your Online Transactional History or receipt is wrong or if you need more information about a particular transaction. We must hear from you no later than sixty (60) days after the earlier of (i) the date you electronically access your Online Transactional History, if the error could be viewed there, or (ii) the date we sent the FIRST written history on which the error appeared. You may request a 60-day written history of your transactions at any time by calling us at the Customer Service Number or writing us at American Express, PO Box 30383, Salt Lake City, UT 84130.

        If you are delayed in contacting us due to extenuating circumstances (such as a hospital stay or personal accident), we may extend this sixty (60) days for a reasonable time.

      • When you call:

        1. Tell us your name and Card number;
        2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
        3. Tell us the dollar amount of the suspected error; and
        4. Tell us approximately when the error took place.

        We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If you call us with your complaint or question and we ask you during that call to put your complaint or question in writing, and we do not receive it within 10 business days, we may not credit your account. Complaints or questions submitted in writing should be mailed to American Express, PASS Card Dispute Form, 4315 S 2700 W, Salt Lake City, UT 84184 - 0440.

        For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Cards, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and debit your Card for any amount that was provisionally credited after the error was reported. You may ask for copies of the documents that we used in our investigation.

        If you need more information about our error-resolution procedures, call us at the Customer Service Number.

      • Suspension or Cancellation of Your Card/Refund

        You may cancel your Card at any time by calling the Customer Service Number. If Available Funds remain on the Card upon your card cancellation, we may refund such amount by, in our discretion, crediting your Funding Source or issuing you a check. We reserve the right to investigate all requests for cancellation and refund and to enable all Card transactions made prior to Card cancellation to post before processing a refund. All refunds are at our sole discretion. If we elect to provide a refund, we will cancel your Card and process your refund.

      • We reserve the right to suspend or cancel your Card if (i) you neither load funds to nor use your Card for a period of one year or more, (ii) if you attempted loads to your Card from your Funding Source and are declined or dishonored repeatedly (iii) if you violate these Terms and Conditions, (iv) if you fail to pay any Fee within sixty (60) days after the date it is due, (v) if there are potential fraud or security risks associated with your Card, as determined by us, (vi) if you withdraw your consent to deal with us electronically pursuant to the Consent Statement, or (v) for any reason allowed by law. We may, in our sole discretion, decide not to exercise our right to suspend or cancel your Card upon the occurrence of an event described in the preceding sentence; but forbearing from exercising our right to suspend or cancel your Card (either once or repeatedly) will not constitute a waiver of or preclude the exercise of our right to do so in the future upon the occurrence of an event described in the preceding sentence. If we cancel your Card after the Valid Thru date has passed, any Available Funds remaining on the PASS from American Express Card upon such cancellation, after payment for any applicable Fees and/or other amounts payable to us, will be returned to you by crediting your Funding Source or issuing you a check or some other means. If we cancel your Card prior to the passing of the Valid Thru date on the Card, we may condition reimbursement upon return of the Card to us. The Card is our property. If we suspend your Card, you will not be able to use your Card for purchases or ATM access and you may not have access to certain services associated with the Card such as Purchase Protection or special offers as referenced in this Cardmember Agreement. While your Card is suspended, we will not collect any Fees with respect to your Card.

    • OTHER IMPORTANT NOTICES

      • No Warranties

        We are not responsible or liable to you (i) for any interruption in your use of the PASS Card, (ii) for the quality, safety, legality, or any other aspect of any goods or services purchased from any Merchant with your PASS Card, (iii) if any Merchant refuses to honor the PASS Card or special offers, and/or (iv) for any other problems you may have with any Merchant. Subject to applicable law, if you have a dispute with a Merchant, you agree to settle the dispute directly with the Merchant. If a Merchant fails to honor the PASS Card, please call the Customer Service Number to report the incident.

      • Changing these Terms and Conditions/Notices/Card Cancellation

        We may change the terms of, or add new terms to, these Terms and Conditions at any time, with or without cause, and without giving you notice, subject to applicable law. In addition, we may suspend, cancel, add, modify or delete any feature offered in connection with your Card at our sole discretion at any time, with or without cause, and without giving you notice, subject to applicable law. We reserve the right to deliver to you any notice of changes to existing terms or the addition of new terms electronically to the email address you have provided for your Card if you have given us consent to do so. Any notice given by us shall be deemed given when deposited in the United States mail, postage prepaid, addressed to you at the latest address shown on our records, or sent electronically to the email address you have provided for your Card. If we cancel your PASS Card prior to the expiration of the Valid Thru date, any Available Funds remaining on the PASS Card upon such cancellation, after payment for all applicable fees, will be returned to you. If the Valid Thru date on the PASS Card has not passed, we may condition reimbursement upon return of the Card to us. The Card is our property.

      • Assignment and Waiver

        We may assign these Terms and Conditions to a third party at any time without notice to you. However, if we assign these Terms and Conditions, the terms will remain substantially and materially the same unless you are notified. If we reimburse you for a refund claim you have made for a lost or stolen Card, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims, excluding tort claims, that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your PASS Card. You agree that you will not pursue any claim against, or reimbursement from, such third party for the amount that we paid or credited to your Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited. Neither our failure to exercise any of our rights under these Terms and Conditions, nor our delay in enforcing or exercising any of our rights, shall constitute a waiver of such rights. If we waive any right under these Terms and Conditions on one occasion, such waiver shall not operate as a waiver as to any other occasion.

      • Privacy & Data Security

        For information about how we use Cardmember information and protect your privacy and data security, please visit americanexpress.com/passprivacy to review our Privacy Notice.

      • Telephone Monitoring/Recording

        Subject to applicable law, from time to time we may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law.

      • Special Offers and Marketing

        Special offers may be available from time to time at participating merchants. As a PASS Cardmember, you may also be eligible to participate in various special programs from time to time. Specific terms, conditions and restrictions for each offer or special program can be accessed at americanexpress.com/pass. We take no responsibility for such special offers. We reserve the right to add to, change and/or cancel the offers at any time.

    • ARBITRATION

      • Agreement to Arbitrate Disputes:

        This Arbitration Provision sets forth the circumstances and procedures under which Claims (defined below) that arise between you and us will be resolved through binding arbitration. This means that neither you nor we will have the right to litigate that Claim in court or have a jury trial on that Claim. Other rights that you would have in court also may not be available or may be limited in arbitration, including your right to appeal and your ability to participate in a class action. Nothing in this provision precludes you from filing and pursuing your individual Claim in a small claims court in your state or municipality, so long as that Claim is pending only in that court.

        Definitions:
        As used in this Arbitration Provision, the term “Claim” shall mean and include any claim, dispute or controversy of every kind and nature, whether based in law or equity, between you and us arising from or relating to the Card or these Terms and Conditions, as well as any related or prior agreement that you may have had with us or the relationships resulting from any of the above agreements (“Agreements”), including the validity, enforceability or scope of this Arbitration Provision or the Agreements. “Claim” also includes claims by or against any third party using or providing any product, service or benefit in connection with the Card (including, but not limited to, third parties who accept the Card, third parties who use, provide or participate in programs accessed with the Card, enrollment services and rewards programs, debt collectors and all of their agents, employees, directors and representatives) if and only if, such third party is named as a co-party with you or us (or files a Claim with or against you or us) in connection with a Claim asserted by you or us against the other. As used in this Arbitration Provision, “you” and “us” also includes any corporate parent, or wholly or majority owned subsidiaries, affiliates, any licensees, predecessors, successors, assigns, any purchaser of any accounts, all agents, employees, directors and representatives of any of the foregoing, and any third party using or providing any product, service or benefit in connection with the Card.
        Initiation of Arbitration Proceeding/Selection of Administrator:
        Any Claim shall be resolved, upon the election by you or us, by arbitration pursuant to this Arbitration Provision and the code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed (the “Code”), except to the extent the Code conflicts with this Agreement. Claims shall be referred to either JAMS (“JAMS”) or the American Arbitration Association (“AAA”), as selected by the party electing to use arbitration. If a selection by us of either of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact (1) JAMS at 1920 Main Street, Suite 300, Irvine, CA 92614; www.jamsadr.com, (2) AAA at 335 Madison Avenue, New York, NY 10017, www.adr.org. In addition to the arbitration organizations listed above, Claims may be referred to any other arbitration organization that is mutually agreed upon in writing by you and us, or to an arbitration organization or arbitrator(s) appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. sections 1-16, provided that any such arbitration organization and arbitrator(s) will enforce the terms of the Restrictions on Arbitration provision set forth below.
        Class Action Waiver and Other Restrictions:
        Arbitration shall proceed solely on an individual basis without the right for any Claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of others. The arbitrator’s authority to resolve and make written awards is limited to Claims between you and us alone. Claims may not be joined or consolidated unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. Notwithstanding any other provision in these Terms and Conditions (including the “Continuation” provision below), and without waiving either party’s right of appeal, if any portion of this “Class Action Waiver and Other Restrictions” provision is deemed invalid or unenforceable, then the entire Arbitration Provision (other than this sentence) shall not apply.
        Arbitration Procedures:
        This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16, as it may be amended (“FAA”), and the applicable Code. The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law. Federal or state rules of civil procedure or evidence shall not apply. Written requests to expand the scope of discovery rest within the arbitrator’s sole discretion and shall be determined pursuant to the applicable Code. The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the written arbitral award may be entered in any court having jurisdiction. Subject to the right of appeal under the FAA, the arbitrator’s written decision will be final and binding unless you or we take an appeal from the award by making a dated, written request to the arbitration organization within 30 days from the date of entry of the written arbitral award. A three-arbitrator panel administered by the same arbitration organization shall consider anew any aspect of the award objected to by the appellant, conduct an arbitration pursuant to its Code and issue its decision within 120 days of the date of the appellant’s written notice. The panel’s majority vote decision shall be final and binding.
        Location of Arbitration/Payment of Fees:
        The arbitration shall take place in the federal judicial district of your residence. Irrespective of who prevails in arbitration, you will only be responsible for paying your share, if any, of the arbitration fees required by the applicable Code, which amount shall not exceed the filing fees you would have incurred if the Claim had been brought in the appropriate state or federal court closest to your residence. We will pay the remainder of any arbitration fees. At your written request, we will consider in good faith making a temporary advance of all or part of your share of the arbitration fees. Waivers also may be available from the JAMS or AAA.
        Continuation:
        This Arbitration Provision shall survive termination of the Card, as well as voluntary payment in full of any Shortages, any debt collection proceeding by or between you and us, and any bankruptcy by you or us. If any portion of this Arbitration Provision, except the “Class Action Waiver and Other Restrictions” provision above, is deemed invalid or unenforceable for any reason, it shall not invalidate the remaining portions of this Arbitration Provision, these Terms and Conditions or any predecessor agreement you may have had with us, each of which shall be enforceable regardless of such invalidity.
      • Applicable Law

        These Terms and Conditions and your Card, and all questions about their legality, enforceability and interpretation, are governed by the laws of the State of New York, USA (without regard to internal principles of conflicts of law). The PASS from American ExpressSM Prepaid Card is issued by American Express Travel Related Services Company, Inc.

      • SPECIAL NOTICE TO CALIFORNIA RESIDENTS: RIGHT TO REFUND

        The following applies to California residents with respect to the use of the PASS Card to transmit funds to a foreign country by means of a valid purchase or ATM transaction occurring outside of the United States:

        You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if American Express Travel Related Services Company, Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of funds from you unless otherwise instructed by you.
        If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not been forwarded or transmitted you have a right to a refund of your money.
        If you want a refund, you must mail or deliver your written request to American Express Travel Related Services Company, Inc. at PO Box 30383, Salt Lake City, UT 84130. If you do not receive a refund, you may be entitled to your money back plus a penalty of up to $1,000 and attorney’s fees pursuant to Section 1810.5 of the California Financial Code.

      • Patriot Act Notice

        IMPORTANT INFORMATION ABOUT PROCEDURES FOR PURCHASING A PASS CARD
        To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who purchases a product like the PASS Card.

    • ADDITIONAL PLANS AND SERVICES

      As a PASS Cardmember you are eligible to participate in the American Express Roadside Assistance® Program and the Purchase Protection*, as outlined on the following pages. Please note that, as a holder of a PASS from American ExpressSM Prepaid Card, you are a "Cardmember" for purposes of the Purchase Protection Description of Coverage.

      *Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

    • THE AMERICAN EXPRESS ROADSIDE ASSISTANCE PROGRAM

      The information below summarizes the terms and conditions of the American Express® Roadside Assistance Program (“Roadside Assistance”). Through Roadside Assistance, American Express may arrange for six (6) basic emergency roadside services to be provided to American Express Prepaid Cardmembers: (i) towing to nearest available repair shop or preferred destination depending on provider availability; (ii) winching; (iii) jumpstarts when a battery is dead; (iv) delivery of up to two (2) gallons of gas; (v) locksmith service if keys are locked in the car; and, (vi) changing of a flat tire if the car has a workable spare. All costs associated with these emergency roadside services are provided through a third party and are the responsibility of the Cardmember. These services are the responsibility of the Cardmember. These services are available when the Cardmember is present with the vehicle.
      Services are available regardless of mileage from primary residence when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands. If you need further information, please call the number on the back of your Card.

      Description of Benefits

      Services under the Roadside Assistance Program are provided only for self-propelled, four-wheel vehicles designed, licensed, and used for non-public on-road transportation, or private trucks (including SUVs) with a carrying capacity of up to 2 tons. In the event a Cardmember needs emergency roadside services, the Cardmember should call the number on the back of their Card or Roadside Assistance directly toll-free at 1-877-458-7304. All costs associated with the emergency roadside services are due at time of service.

      • This is a dispatch service only; Cardmembers are responsible for the costs charged by service providers.
      • Services are available regardless of mileage from primary residence when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands.
      • Should a Cardmember require emergency towing, winching, flat tire repair, battery boost, fuel delivery or emergency lock out service, a quick call to the number on the back of the Card will initiate reliable roadside assistance to the Cardmember.
      • These services are available when a Cardmember is present with the vehicle.
      • In the case of inclement weather or natural disasters, we may be unable to provide you with Services.

    • Exclusions

      Roadside Assistance is provided as an emergency roadside service only and is not for general automobile maintenance. Locksmith service does not include microchip or transponder keys.

    • Termination or Cancellation

      Coverage will cease on the earliest of the following:

      1. the date you no longer maintain a permanent residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands;
      2. the date we determine that you or someone on your behalf intentionally misrepresented or fraud occurred relating to your use of Roadside Assistance;
      3. the date the benefit is cancelled;
      4. the date you are no longer a Cardmember;
      5. the date the benefit is not available in the location where you maintain a permanent residence.

      American Express has the right to cancel Roadside Assistance at any time by sending a written notice at least forty five (45) days in advance to you at your last known address. The notice will include the reason for cancellation.

  • PURCHASE PROTECTION

    • DESCRIPTION OF COVERAGE

      Underwritten by AMEX Assurance Company
      Administrative Office, P.O. Box 53701 Phoenix, AZ 85072-9872
      Purchase Protection can provide coverage for Your eligible purchases for ninety (90) days from the date of purchase when You charge any portion of the price of the eligible purchased item to Your Account. You will be reimbursed only for the amount charged to Your Accoun (See Description of Benefits section).

    • DEFINITIONS

      Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires.

      Account
      means Your American Express Card Account.
      Cardmember
      means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands..
      Covered Incident
      means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.
      Company
      means AMEX Assurance Company, and its duly authorized agents.
      Current and in Good Standing
      means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable.
      Master Policyholder
      means American Express Travel Related Services Company, Inc.
      Permanent Residence
      means the one primary dwelling place where the Cardmember resides and to which they intend to return.
      Plan
      means the Policy and the benefits described therein.
      Platinum Cardmember
      means a Cardmember who has a Platinum Charge Card (required to be paid in full monthly), a Corporate Platinum Card, or a Fidelity American Express Platinum Card. Any other Card which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits.
      Policy
      means the Group Insurance Master Policy (AX0951 issued to American Express Travel Related Services Company, Inc.).
      We, Us, Our
      means the Company.
      You, Your
      means the Cardmember.
    • DESCRIPTION OF BENEFITS

      We will pay You the expense charged to Your Account up to $1,000 U.S. for any one Covered Incident and up to $50,000 U.S. for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property.

      Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan.

    • EXCLUSIONS

      Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

      1. war or any act of war, whether declared or undeclared;
      2. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
      3. participation in a riot, civil disturbance, protest or insurrection;
      4. violation of a criminal law, offense or infraction;
      5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances;
      6. fraud or abuse or illegal activity of any kind by the Cardmember;
      7. confiscation by any governmental authority, public authority, or customs official;
      8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
      9. not being reasonably safeguarded by You;
      10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
      11. damage through alteration (including, but not limited to, cutting, sawing and shaping);
      12. normal wear and tear, inherent product defect or manufacturer’s defects or normal course of play;
      13. damage or theft while under the care and control of a common carrier;
      14. food spoilage;
      15. leaving property at an unoccupied construction site; or
      16. purchases lost or misplaced.

      For residents of Washington, the first paragraph of this section is removed and replaced with the following: We will not pay for loss caused by any of the excluded events described below. Loss will be considered to have been caused by an excluded event if the occurrences of that event directly and solely results in loss, or initiates a sequence of events that result in loss, regardless of the nature of any intermediate or final event in that sequence.

    • PURCHASES NOT COVERED

      The following purchases are not covered:

      1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and giftchecks), cash or its equivalent;
      2. animals or living plants;
      3. rare stamps or coins;
      4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries);
      5. antique or previously owned items;
      6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories;
      7. stolen or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;
      8. items purchased for resale, professional, or commercial use;
      9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile;
      10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and
      11. hospital, medical and dental equipment and devices.
    • CLAIMS PROVISIONS

      If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

    • Notice of Claim

      Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322-1277 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 402, Golden CO 80402-0402. Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. For residents of Missouri, no claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice the right of Us.

    • Proof of Loss

      Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within thirty (30) days (for residents of North Dakota sixty (60) days) after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim may be denied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

      Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

      1. a Purchase Protection Claim Form;
      2. the original itemized store receipt;
      3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner’s or renter’s insurance);
      4. a photograph of and/or repair estimate for the damaged property; and
      5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

      No payment will be made on claims not substantiated in the manner required by Us.

      If all required documentation is not received within thirty (30) days (for residents of North Dakota sixty (60) days) of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

      You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within thirty (30) days (for residents of North Dakota sixty (60) days) from the date of Our request to remain eligible for coverage.

    • Payment of Claim

      A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.

      Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.

      If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section.

  • GENERAL PROVISIONS

    • Change of Permanent Residence

      If the change is to a different state, Your Policy provisions may be adjusted to conform to the requirements of that state.

    • Clerical Error

      A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

    • Conformity with State and Federal Law

      If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law.

    • Entire Contract; Representation; Change

      This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of AMEX Assurance Company may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

    • Excess Coverage

      If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

    • Fraud

      If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.

      We do not provide coverage to a Cardmember who, whether before or after a loss, has:

      1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or
      2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.
    • Legal Actions

      No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years (for residents of Arkansas five (5) years and residents of Missouri ten (10) years) from the time written Proof of Loss is required to be given.

      If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.

    • Right of Recovery

      If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable.

    • Subrogation

      In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

      We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

      For residents of Louisiana, the Right of Recovery, Subrogation and Excess Coverage sections are revised to reflect: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right. However, the Company’s right to recover is subordinate to the Cardmember’s right to be fully compensated.

    • Termination or Cancellation

      Coverage will cease on the earliest of the following:

      1. the date You no longer maintain a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands;
      2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
      3. the date the Policy is cancelled;
      4. the date You are no longer a Cardmember;
      5. the date Your Account ceases to remain Current and in Good Standing; or
      6. the date the Plan is not available in the location where You maintain a Permanent Residence.

      Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

    • IMPORTANT ADDITIONAL INFORMATION FOR YOU

      For those eligible and enrolled in the Membership Rewards® program, benefits are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers.

      This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection.

    • This Description of Coverage is an important document. Please read it and keep it in a safe place.

      IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

      Signed: Steve C. Lindstrom  and John M. Collins; AMEX Assurance Company
         
      PP-DOC-CCSG1 02/07
    • APPLICABLE FOR RESIDENTS OF THE STATE OF ALASKA

      The opening paragraph in the Exclusion section is removed in its entirety and replaced with the following which is added and made part of the Description of Coverage:

      These exclusions do not apply if the dominate cause of a loss is a risk or peril that is not otherwise excluded. Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

      The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage:

    • LEGAL ACTIONS

      No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time Proof of Loss is required to be given. If there are any claims the three year timeframe does not begin to run until after the claim has been denied.

      PP/EW-RDR1-AK 06/07

    • APPLICABLE FOR RESIDENTS IN THE STATES OF ARIZONA

      Purchase Protection is governed by form numbers PP-IND-CCSG1 07/07, PP-IND-CCSG2 07/07, PP-IND-OSBN1 07/07, PP-IND-OSBN2 07/07 and PP-IND-End2 09/08

      References to Description of Coverage and Master Policy throughout the above form have been changed to Policy.

      The definitions of Master Policyholder and Plan are hereby removed.

      The following definitions are added to the Definitions section.

      American Express® Card means any credit or charge card bearing an American Express trademark or logo issued by American Express Travel Related Services Company, Inc. or its subsidiaries or affiliates or any of their licensees which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy.

      Policy as used throughout means this contract issued to the Cardmember providing the benefits described herein.

      The following provision is added to the General Provisions section.

    • ASSIGNMENT

      No assignment will be acknowledged until it has been received by the Company. The Company does not make any acknowledgement of the effectiveness of an assignment or accept any responsibility for the validity or legality of any assignment.

      In all other respects, the provisions and conditions of the Policy remain the same.

    • APPLICABLE FOR RESIDENTS OF THE STATE OF INDIANA

      Questions regarding your policy should be directed to:
      AMEX Assurance Company
      1-800-322-1277

      If you (a) need the assistance of the governmental agency that regulates insurance or (b) have a compliant you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email:

      State of Indiana Department of insurance
      Consumer Services Division
      311 West Washington Street, Suite 300
      Indianapolis, IN 46204-2787.

      Consumer Hotline: 1-800-622-4461. In the Indianapolis Area 1-317-232-2395.
      Complaints can be filed electronically at www.in.gov/idoi

    • APPLICABLE FOR RESIDENTS OF THE STATE OF KENTUCKY

      In the Termination or Cancellation section the following is removed:

      The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

      And replaced with the following:

      The Company has the right to cancel the Policy at any time by sending a written notice at least seventy-five (75) days in advance to You at Your last known address. The notice will include the reason for cancellation.

      PP/EW-RDR1-KY 05/07

    • Applicable for Residents of the State of New Hampshire

      The Description of Coverage is subject to laws of the State of New Hampshire. Any contract changes will be submitted for approval in the State of New Hampshire. Contract changes will not be transacted between the Master Policy and the insurer per NH RSA412:5 I.

      In the Conformity with State and Federal Law section the following is removed:

      If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law.

      And replaced with the following:

      If a Plan provision does not conform to applicable provisions of the State of New Hampshire or Federal law, the Plan is hereby amended to comply with such law.

      The following is added at the end of the Fraud section of Your Description of Coverage:

      Concealment, misrepresentation, and fraud can only applied to a claim to which it is material and coverage may not be denied to any Cardmember who had no knowledge of or participation in any concealment, misrepresentation or fraud.

      Concealment, misrepresentation, and fraud do not void the policy and must be an international act on behalf of You. We will not deny coverage under the Policy if this occurs. If You are without knowledge or participation in a fraudulent act they are not subject to denial of coverage under this section. This section only applies to a claim to which it is material and coverage may not be denied to You if You had no knowledge of or participation in any concealment, misrepresentation or fraud.

      In the Termination or Cancellation section the following is removed:

      2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
      And replaced with the following:
      2. discovery of fraud or material misrepresentation by the named insured in pursuing a claim under the Policy;

      In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

      And replaced with the following:

      The Company has the right to cancel the Policy by sending a written notice at least sixty (60) days in advance to You at Your last known address. The notice will include the reason for cancellation.

      PP/EW-RDR1-NH 01/08

    • APPLICABLE FOR RESIDENTS OF THE STATE OF Oklahoma

      The following is added to your Description of Coverage: WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

      PP/EW-RDR1-OK 07/07

      APPLICABLE FOR RESIDENTS OF THE STATE OF OREGON

      In the Exclusions section the following are removed:

      4. violation of a criminal law, offense or infraction;
      6. fraud or abuse or illegal activity of any kind by the Cardmember;

      The Proof of Loss section is hereby removed in its entirety and replaced with the following:

    • PROOF OF LOSS

      Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within ninety (90) days after We have provided You with instructions and/or a claim form in response to Your Notice of Claim or Your claim may be denied. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

      Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

      1. Purchase Protection Claim Form;
      2. the original itemized store receipt;
      3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner’s or renter’s insurance);
      4. a photograph of and/or repair estimate for the damaged property; and
      5. or theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

      No payment will be made on claims not substantiated in the manner required by Us.

      If all required documentation is not received within ninety (90) days of the date of the Covered Incident (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

      You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within ninety (90) days from the date of Our request to remain eligible for coverage.

      PP-RDR1-OR 05/07

    • APPLICABLE FOR RESIDENTS OF THE STATE OF SOUTH DAKOTA

      The Legal Actions section is hereby removed in its entirety and replaced with the following:

      Legal Actions: No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after six (6) years from the time Proof of Loss is required to be given.

      PP/EW-RDR1-SD 05/07

    • APPLICABLE FOR RESIDENTS OF THE STATE OF TEXAS

      Purchase Protection is governed by form numbers PP-IND-TX 07/07 and PP-IND-End2 09/08

      References to Description of Coverage and Master Policy throughout the above form have been changed to Policy.
      The definitions of Master Policyholder and Plan are hereby removed.
      The following definitions are added to the Definitions section.
      American Express® Card means any credit or charge card bearing an American Express trademark or logo issued by American Express Travel Related Services Company, Inc. or its subsidiaries or affiliates or any of their licensees which can be used to purchase goods or services at merchants on the American Express Network and which American Express Travel Related Services Company, Inc. designates as eligible for coverage under the Policy.

      Policy as used throughout means this contract issued to the Cardmember providing the benefits described herein.
      The following was added to the end of the Payment of Claim provision
      Within fifteen (15) days after We receive Your Notice of Claim, We will:
      acknowledge receipt of claim. If We do not acknowledge receipt of the claim in writing, We will keep a record of the date, method and content of the
      acknowledgement;
      begin an investigation of the claim; and
      request a signed, sworn Proof of Loss, specify the information You must provide and supply You with the necessary forms. We may request more
      information at a later date, if during the investigation of the claim such additional information is necessary.

      We will notify You in writing as to whether:
      the claims or part of the claim will be paid;
      the claim or part of the claim has been denied, and inform You of the reasons for denial, more information is necessary; or We need additional time to
      reach a decision. If We need additional time, We will inform You of the reasons for such need.

      We will pay for covered loss or damage within five (5) business days after:
      We have notified You that payment of the claim or part of the claim will be made and have reached agreement with You on the amount of loss; or
      an appraisal award has been made. However, if payment of the claim or part of the claim is condition on Your compliance with any of the terms of this
      Coverage part, We will make payment within five (5) business days after the date You have complied with such items.

      The following provision is added to the General Provisions section.
      Assignment
      No assignment will be acknowledged until it has been received by the Company. The Company does not make any acknowledgement of the effectiveness
      of an assignment or accept any responsibility for the validity or legality of any assignment.
      In all other respects, the provisions and conditions of the Policy remain the same.

      • TO OBTAIN IMFORMATION OR MAKE A COMPLAINT:

        You may call AMEX Assurance’s toll-free telephone number for information or to make a complaint at:
        1-800-322-1277

        You may also write to AMEX Assurance Company at:
        AMEX Assurance Company [MC: 080120, 20022
        N. 31st Ave. Phoenix, AZ 85027]

        You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at:
        1-800-252-3439

        You may write the Texas Department of Insurance at:
        P.O. Box 149104 E-mail: ConsumerProtection@tdi.state.tx.us
        Austin, TX 78714-9104
        Fax# (512) 475-1771
        Web: https://tdi.state.tx.us
        Email: ConsumerProtection@tdi.state.tx.us

      • PREMIUM OR CLAIM DISPUTES:

        Should you have a dispute concerning your premium or about a claim you should contact the company first. If the dispute is not resolved, you may contact the Texas Department of Insurance.

      • ATTACH THIS NOTICE TO YOUR POLICY:

        This notice is for information only and does not become a part or condition of the attached document.

    • AVISO IMPORTANTE

      • PARA LOS RESIDENTES DE TEXAS

        PARA OBTENER INFORMACION O PARA SOMETER UNA QUEJA:

        Usted puede llamar al numero de telefono gratis de AMEX Assurance Company’s para informacion o para someter una queja al:
        1-800-322-1277

        Usted tambien puede escribir a AMEX Assurance Company:
        [MC: 080120, 20022
        N. 31st Ave. Phoenix, AZ 85027]

        Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companies, coberturas, derechos o quejas al:
        1-800-252-3439

        Puede escribir al Departamento de Seguros de Texas:
        P.O. Box 149104
        Austin, TX 78714-9104
        Fax# (512) 475-1771
        Web: https://tdi.state.tx.us
        Email: ConsumerProtection@tdi.state.tx.us

      • DISPUTAS SOBRE PRIMAS O RECLAMOS:

        Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con la compania primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento (TDI)

      • UNA ESTE AVISO A SU POLIZA:

        Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto.

    • APPLICABLE FOR RESIDENTS OF THE STATE OF VERMONT

      In the Termination or Cancellation section the following is removed:

      The Company has the right to cancel the Policy at any time by sending a written notice at least forty five (45) days in advance to You at Your last known address. The notice will include the reason for cancellation.

      And replaced with the following:

      We may cancel this policy only for the reasons stated in this condition by notifying you in writing of the date cancellation takes effect. This cancellation notice may be delivered to you, or mailed by certified mail to you at your mailing address shown in the Declarations except that in the case of cancellation for non-payment of premium, the cancellation notice will be by certified mail or certificate of mailing. Proof of mailing will be sufficient proof of notice.

      (1) When you have not paid the premium, or there is a substantial increase in hazard, we may cancel at any time by notifying you at least 15 days before the date cancellation takes effect.

      (2) When this policy has been in effect for less than 60 days and is not a renewal with us, we may cancel for any reason by notifying you at least 45 days before the date cancellation takes effect.

      (3) When this policy has been in effect for 60 days or more or at any time if it is a renewal with us, we may cancel for one or more of the following reasons:

      (a) Non-payment of premium or substantial increase in hazard provided that in the case of substantial increase in hazard, we have secured approval for the cancellation from the commissioner of insurance. This can be done by notifying you 15 days before the date cancellation takes effect; or

      (b) Fraud or material misrepresentation affecting the policy or in the presentation of a claim, or violation of any provisions of the policy. This can be done by letting you know 45 days before the date cancellation takes effect.

      (4) When this policy is written for a period of more than one year, we may cancel for any reason at anniversary by letting you know at least 45 days before the date cancellation takes effect.

      Nonrenewal

      We may elect not to renew this policy. We may do so by delivering to you, or mailing by certified mail to you at your mailing address shown in the Declarations, written notice at least 45 days before the expiration date of this policy. Proof of mailing will be sufficient proof of notice. This condition does not apply:

      a. If we have manifested our willingness to renew; or

      b. In the case of non-payment of premium; or

      c. If you fail to pay any advance premium required by us for renewal; or

      d. If any insured property designated in the policy is insured under any other insurance policy.

      Renewal Of The Policy

      a. If we elect to renew this policy and have the necessary information to issue the renewal policy, we will confirm in writing at least 45 days prior to the expiration our intention to renew the policy and confirm the premium at which the policy is to be renewed.

      b. If we do not comply with the conditions set forth in the above paragraph, you will be granted renewal coverage at the rate or premium in effect on the expiration date, which has been approved by the Commissioner. This will be done on a pro rata basis and will continue for 45 days after his company confirms renewal coverage and premium. This provision will not apply if you accept the renewal policy.

      All other provisions of this policy apply.

      PP/EW-RDR1-VT 10/12

      APPLICABLE FOR RESIDENTS OF YOUR STATE

      Effective May 1, 2010, your certificate or policy is amended to reflect that Amex Assurance Company’s Administrative Office is changed to
      MC: 080120                                                                                               P.O. Box 53701
      20022 N. 31st Avenue                                                                                Phoenix, AZ 85072-9872
      Phoenix, AZ 85027

      Effective May 1, 2010, your certificate or policy is amended to reflect that Amex Assurance Company’s Claim Administrative Office is changed to
      P.O. Box 981553
      El Paso, TX 79998-9920

      All other terms of your certificate or policy remain unchanged.

      MG-ADCHG-END3 04/10

      FOR RESIDENTS OF PUERTO RICO

      DESCRIPTION OF COVERAGE

      Underwritten by AMEX Assurance Company
      Mailing address, P.O. Box 53701 Phoenix, AZ 85072-9872
      Purchase Protection can provide coverage for Your eligible purchases for ninety (90) days from the date of purchase when You charge any portion of the price of the eligible purchased item to Your Account. You will be reimbursed only for the amount charged to Your Account (See Description of Benefits section).

      DEFINITIONS

      Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires.

      Account means Your American Express Card Account.

      Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in Puerto Rico .

      Covered item means any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account, except those specified under the Section titled Purchases Not Covered.

      Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.

      Theft means the unlawful taking from the Cardmember, of the covered item of property purchased and charged to his/her Account

      Damage means the breaking, destruction and/or malfunction, whether by accident or vandalism of the covered item of property purchased and charged to the Cardmember Account

      Vandalism means the willful or malicious destruction by a person other than the Cardmember, of the covered item of property purchased and charged to his/her Account.

      Accident means the unforeseen and unplanned breaking, destruction and/or malfunction of the covered item of property purchased and charged to the Cardmember Account.

      Company means AMEX Assurance Company, and its duly authorized agents.

      Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable.

      Master Policyholder means American Express Travel Related Services Company, Inc.

      Permanent Residence means the one primary dwelling place where the Cardmember resides and to which they intend to return.

      Plan means the Policy and the benefits described therein.

      Policy means the Group Insurance Master Policy issued to American Express Travel Related Services Company, Inc.

      We, Us, Our means the Company.

      You, Your means the Cardmember.

      DESCRIPTION OF BENEFITS

      We will pay You the expense charged to Your Account up to $1,000 U.S. for any one Covered Incident and up to $50,000 U.S. for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property.

      Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan.

      EXCLUSIONS

      Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

      1. war or any act of war, whether declared or undeclared;
      2. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
      3. participation in a riot, civil disturbance, protest or insurrection;
      4. violation of a criminal law, offense or infraction;
      5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances;
      6. fraud or abuse or illegal activity of any kind by the Cardmember;
      7. confiscation by any governmental authority, public authority, or customs official;
      8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
      9. not being reasonably safeguarded by You;
      10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
      11. damage through alteration (including, but not limited to, cutting, sawing and shaping);
      12. normal wear and tear, inherent product defect or manufacturer' defects or normal course of play;
      13. damage or theft while under the care and control of a common carrier;
      14. food spoilage;
      15. leaving property at an unoccupied construction site; or
      16. purchases lost or misplaced.

      PURCHASES NOT COVERED

      The following purchases are not covered:

      1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and gift checks), cash or its equivalent;
      2. animals or living plants;
      3. rare stamps or coins;
      4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries);
      5. antique or previously owned items;
      6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories;
      7. lost or stolen or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;
      8. items purchased for resale, professional, or commercial use;
      9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile;
      10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and
      11. hospital, medical and dental equipment and devices.

      CLAIMS PROVISIONS

      If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss.

      To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

      Notice of Claim

      Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322-1277 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 402, Golden CO 80402-0402.

      Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable.

      Proof of Loss

      Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within one year from the date of your Notice of Claim. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

      Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

      1. a Purchase Protection Claim Form;
      2. the original itemized store receipt;
      3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner' or renter' insurance);
      4. a photograph of and/or repair estimate for the damaged property; and
      5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

      No payment will be made on claims not substantiated in the manner required by Us.

      If all required documentation is not received within one year from the date of your Notice of Claim (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

      You may be required to mail in the damaged property at Your expense for further evaluation of Your claim. If requested, You must mail it within one year from the date of request to remain eligible for coverage.

      Payment of Claim

      A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.

      Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.

      If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section.

    • GENERAL PROVISIONS

      Clerical Error

      A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

      Conformity with Puerto Rico and Federal Law

      If a Plan provision does not conform to applicable provisions of Puerto Rico or Federal law, the Plan is hereby amended to comply with such law.

      Entire Contract; Representation; Change

      This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of AMEX Assurance Company of Puerto Rico may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time . A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

      Excess Coverage

      If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

      Fraud

      If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.

      We do not provide coverage to a Cardmember who, whether before or after a loss, has:

      1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or
      2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.

      Moreover, any person who knowingly and with the intent to defraud provides false information in an insurance application, or presents, assists, or makes a fraudulent claim for the payment of a loss or other benefit, or presents more than one claim for the same incident of damage or loss, will commit a felony and if convicted will be sentenced for each violation with a fine of no less than five thousand ($5,000) dollars and not exceeding ten thousand ($10,000) dollars, or be sentenced to prison for a fixed term of three (3) years, or both penalties. In the event of aggravating circumstances, the term could be increased to a maximum of five (5) years; in the event of intervening extenuating circumstances it could be reduced up to a minimum of two (2) years

      Legal Actions

      No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time written Proof of Loss is required to be given.

      If a time limit of this Plan is less than allowed by the laws of Puerto Rico where You live, the limit is extended to meet the minimum time allowed by such law.

      Right of Recovery

      If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable.

      Subrogation

      In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

      We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

      Termination or Cancellation

      Coverage will cease on the earliest of the following:

      1. the date You no longer maintain a Permanent Residence in Puerto Rico ; to the extent that the new Permanent Residence is in one of the 50 states of the United States of America or the District of Columbia, the Cardmember may be eligible for coverage under a separate plan provided by AMEX Assurance Company or another underwriter, the terms of which can be obtained by calling the toll free number on the back of your American Express Card.
      2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
      3. the date the Policy is cancelled;
      4. the date You are no longer a Cardmember;
      5. the date Your Account ceases to remain Current and in Good Standing; or
      6. the date the Plan is not available in the location where You maintain a Permanent Residence.

      Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy.

      The Company can cancel this Master Policy for the following reasons: non-payment of premiums due to the Company by the Master Policyholder; high loss experience or; the Company decision to stop underwriting this kind of insurance program. The Cardmember has the right to know and/or request the grounds on which the Policy is cancelled. To that effect, the Company must provide sixty (60) days written notice, prior to the date cancellation is effective, indicating in such notice the reason for cancellation. If the Company cancels, the Master Policyholder must assist the Company in notifying Cardmembers of the date their insurance is cancelled.

      Master Policyholder Cancellation

      The Master Policyholder may cancel the Master Policy by giving the Company written notice of what future date the Master Policy shall be cancelled. The Master Policyholder must notify Cardmembers of the date their coverage is cancelled or replaced. The Master Policyholder must provide to the Company sixty (60) days written notice and to the Cardmember thirty (30) days written notice prior to the date cancellation is effective.

    • IMPORTANT ADDITIONAL INFORMATION FOR YOU

      American Express Travel Related Services Company, Inc. operates a program called the Membership Rewards ® program. That program permits enrolled Cardmembers to earn Membership Rewards points and to purchase goods from participating merchants using Membership Rewards redemption certificates.

      For those eligible and enrolled in the Membership Rewards® program, Purchase Protection benefits under this plan are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers.

      This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection.

      This Description of Coverage is an important document. Please read it and keep it in a safe place.

      The Cardmember can request a copy of the Master Policy by calling 1-800-322-1277.

      IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

      Signed: Steve C. Lindstrom  and John M. Collins; AMEX Assurance Company

      PP-DOC-CCSG1-PR

      FOR RESIDENTS OF U.S. VIRGIN ISLANDS

      DESCRIPTION OF COVERAGE

      Underwritten by AMEX Assurance Company
      Mailing address, P.O. Box 53701 Phoenix, AZ 85072-9872
      Purchase Protection can provide coverage for Your eligible purchases for ninety (90) days from the date of purchase when You charge any portion of the price of the eligible purchased item to Your Account. You will be reimbursed only for the amount charged to Your Account (See Description of Benefits section).

      DEFINITIONS

      Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires.

      Account means Your American Express Card Account.

      Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in The United States Virgin Islands.

      Covered item means any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account, except those specified under the Section titled Purchases Not Covered.

      Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account.

      Theft means the unlawful taking from the Cardmember, of the covered item of property purchased and charged to his/her Account

      Damage means the breaking, destruction and/or malfunction, whether by accident or vandalism of the covered item of property purchased and charged to the Cardmember Account

      Vandalism means the willful or malicious destruction by a person other than the Cardmember, of the covered item of property purchased and charged to his/her Account.

      Accident means the unforeseen and unplanned breaking, destruction and/or malfunction of the covered item of property purchased and charged to the Cardmember Account.

      Company means AMEX Assurance Company of North America, and its duly authorized agents.

      Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable.

      Master Policyholder means American Express Travel Related Services Company, Inc.

      Permanent Residence means the one primary dwelling place where the Cardmember resides and to which they intend to return.

      Plan means the Policy and the benefits described therein.

      Policy means the Group Insurance Master Policy issued to American Express Travel Related Services Company, Inc.

      We, Us, Our means the Company.

      You, Your means the Cardmember.

      DESCRIPTION OF BENEFITS

      We will pay You the expense charged to Your Account up to $1,000 U.S. for any one Covered Incident and up to $50,000 U.S. for all Covered Incidents during a calendar year. Purchase Protection provides benefits, for ninety (90) days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property.

      Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan.

      EXCLUSIONS

      Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:

      1. war or any act of war, whether declared or undeclared;
      2. any activity directly related to and occurring while in the service of any armed military force of any nation state recognized by the United Nations;
      3. participation in a riot, civil disturbance, protest or insurrection;
      4. violation of a criminal law, offense or infraction;
      5. natural disasters, including, but not limited to, hurricanes, floods, tornados, earthquakes or any other event in the course of nature, that occurs at the same time or in separate instances;
      6. fraud or abuse or illegal activity of any kind by the Cardmember;
      7. confiscation by any governmental authority, public authority, or customs official;
      8. negligent failure of a duty to care by any third party in whose possession the property purchased by a Cardmember has been temporarily placed;
      9. not being reasonably safeguarded by You;
      10. theft from baggage not carried by hand and under Your personal supervision or under the supervision of a traveling companion known by You;
      11. damage through alteration (including, but not limited to, cutting, sawing and shaping);
      12. normal wear and tear, inherent product defect or manufacturer' defects or normal course of play;
      13. damage or theft while under the care and control of a common carrier;
      14. food spoilage;
      15. leaving property at an unoccupied construction site; or
      16. purchases lost or misplaced.

      PURCHASES NOT COVERED

      The following purchases are not covered:

      1. travelers checks, tickets of any kind, negotiable instruments (including, but not limited to, gift certificates, gift cards and gift checks), cash or its equivalent;
      2. animals or living plants;
      3. rare stamps or coins;
      4. consumable or perishable items with limited life spans (including, but not limited to, perfume, light bulbs, batteries);
      5. antique or previously owned items;
      6. motorized vehicles and watercraft, aircraft, and motorcycles or their motors, equipment, parts or accessories;
      7. lost or stolen or damaged property consisting of articles in a pair or set. Coverage will be limited to no more than the value of any particular part or parts, unless the articles are unusable individually and cannot be replaced individually, regardless of any special value they may have had as part of a set or collection;
      8. items purchased for resale, professional, or commercial use;
      9. permanent household and/or business fixtures, including, but not limited to, carpeting, flooring and/or tile;
      10. business fixtures, including, but not limited to, air conditioners, refrigerators, heaters; and
      11. hospital, medical and dental equipment and devices.

      CLAIMS PROVISIONS

      If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss.

      To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property (if applicable) until the claim process is complete.

      Notice of Claim

      Notice of Claim should be provided to Us within thirty (30) days of the loss. You may contact Us by calling toll-free stateside 1-800-322-1277 or, if from overseas, by calling collect 1-303-273-6498. You may also write to Us at Purchase Protection, PO Box 402, Golden CO 80402-0402.

      Failure to provide Notice of Claim within thirty (30) days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible. At the time You provide Us with Notice of Claim, We will assist You with Your Proof of Loss by providing You with instructions and/or documents, which You may have to complete and return to Us. You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable.

      Proof of Loss

      Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. You must provide Us with satisfactory Proof of Loss within one year from the date of your Notice of Claim. Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

      Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:

      1. a Purchase Protection Claim Form;
      2. the original itemized store receipt;
      3. the insurance declaration forms for Your other sources of insurance or indemnity (e.g., homeowner' or renter' insurance);
      4. a photograph of and/or repair estimate for the damaged property; and
      5. for theft and vandalism claims, a report regarding the stolen or vandalized property must be filed with the appropriate authority before You call to file a claim under Purchase Protection.

      No payment will be made on claims not substantiated in the manner required by Us.

      If all required documentation is not received within one year from the date of your Notice of Claim (except for documentation which has not been furnished for reasons beyond Your control), coverage may be denied. It is Your responsibility to provide all required documentation We request.

      You may be required to mail in the damaged property at Your expense for further evaluation of Your claim. If requested, You must mail it within one year from the date of request to remain eligible for coverage.

      Payment of Claim

      A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan.

      Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.

      If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section.

    • GENERAL PROVISIONS

      Clerical Error

      A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

      Conformity with The United States Virgin Islands and Federal Law

      If a Plan provision does not conform to applicable provisions of The United States Virgin Islands or Federal law, the Plan is hereby amended to comply with such law.

      Entire Contract; Representation; Change

      This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of AMEX Assurance Company of North America may change or waive the provisions of the Description of Coverage. No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time . A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

      Excess Coverage

      If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

      Fraud

      If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.

      We do not provide coverage to a Cardmember who, whether before or after a loss, has:

      1. concealed or misrepresented any fact upon which we rely, if the concealment or misrepresentation is material and is made with the intent to deceive; or
      2. concealed or misrepresented any fact if the fact misrepresented contributes to the loss.

      Legal Actions

      No legal action may be brought to recover against this Plan until sixty (60) days after Proof of Loss has been received by Us. No such action may be brought after three (3) years from the time written Proof of Loss is required to be given.

      If a time limit of this Plan is less than allowed by the laws of The United States Virgin Islands , the limit is extended to meet the minimum time allowed by such law.

      Right of Recovery

      If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable.

      Subrogation

      In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights.

      We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party.

      Termination or Cancellation

      Coverage will cease on the earliest of the following:

      1. the date You no longer maintain a Permanent Residence in The United States Virgin Islands ; to the extent that the new Permanent Residence is in one of the 50 states of the United States of America or the District of Columbia, the Cardmember may be eligible for coverage under a separate plan provided by AMEX Assurance Company or another underwriter, the terms of which can be obtained by calling the toll free number on the back of your American Express Card.
      2. the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred;
      3. the date the Policy is cancelled;
      4. the date You are no longer a Cardmember;
      5. the date Your Account ceases to remain Current and in Good Standing; or
      6. the date the Plan is not available in the location where You maintain a Permanent Residence.

      Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy.

      The Company can cancel this Master Policy for the following reasons: non-payment of premiums due to the Company by the Master Policyholder; high loss experience or; the Company decision to stop underwriting this kind of insurance program. The Cardmember has the right to know and/or request the grounds on which the Policy is cancelled. To that effect, the Company must provide sixty (60) days written notice, actually delivered or mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for cancellation. If the Company cancels, the Master Policyholder must assist the Company in notifying Cardmembers of the date their insurance is cancelled.

      Master Policyholder Cancellation

      The Master Policyholder may cancel the Master Policy by giving the Company written notice of what future date the Master Policy shall be cancelled. The Master Policyholder must notify Cardmembers of the date their coverage is cancelled or replaced. The Master Policyholder must provide to the Company sixty (60) days written notice and to the Cardmember thirty (30) days written notice prior to the date cancellation is effective actually delivered or mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for cancellation

    • IMPORTANT ADDITIONAL INFORMATION FOR YOU

      American Express Travel Related Services Company, Inc. operates a program called the Membership Rewards ® program. That program permits enrolled Cardmembers to earn Membership Rewards points and to purchase goods from participating merchants using Membership Rewards redemption certificates.

      For those eligible and enrolled in the Membership Rewards® program, Purchase Protection benefits are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate. Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers.

      This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection.

      This Description of Coverage is an important document. Please read it and keep it in a safe place.

      The Cardmember can request a copy of the Master Policy by calling 1-800-473-7346.

      IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers:

      Signed: Steve C. Lindstrom  and John M. Collins; AMEX Assurance Company

      PP-DOC-CCSG1-VI

      Notice of Claim Address Change Endorsement

      THIS ENDORSEMENT CHANGES YOUR DESCRIPTION OF COVERAGE/CERTIFICATE. PLEASE READ IT CAREFULLY. ALL OTHER TERMS AND CONDITIONS REMAIN UNCHANGED

      The section regarding Notice of Claim is amended to reflect AMEX Assurance Company’s new claims address is:

      P.O. Box 981553, El Paso, TX 79998-9920

      Notice of any claim you may have should be directed only to the above address for the following Descriptions of Coverage or Certificates:

      EW-DOC-CCSG1-VI, EW-DOC-CCSG2-VI, EW-DOC-OSBN2-VI, EW-DOC-OSBN1-VI, PP-DOC-OSBN1-VI, PP-DOC-OSBN2-VI,
      PP-DOC-CCSG1-VI, PP-DOC-CCSG2-VI,
      TAI-DOC-VI, BIP-DOC-VI, BIP-DOC-PLAT-VI

      USVI ADCHG END 12.12

Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.