An Important Notice Concerning User Privacy

back to the top Last Modified: October 23, 2012

Rev. 6/2012




Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.


The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • transaction history and account history
  • insurance claim history and credit history

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons American Express chooses to share; and whether you can limit this sharing.

Reasons we can share personal information Does American Express share? Can you limit this sharing?

For our everyday business purposes-

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus



For our marketing purposes-

to offer our products and services to you



(but please see the "To limit direct marketing" box below for information about additional privacy choices)

For joint marketing with other financial companies



For our affiliates' everyday business purposes-

information about your transactions and experiences



For our affiliates' everyday business purposes -

information about your creditworthiness



For our affiliates to market to you



For nonaffiliates to market to you


(although we may share aggregated or de-identified data)

We don't share personal information

To limit our sharing

Please note:

If you are a new customer, we can begin sharing your personal information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your personal information as described in this notice.

However, you can contact us at any time to limit our sharing.

To limit direct marketing

We provide additional privacy choices to customers.

Privacy elections you make for any one product or service may not automatically be applied to other products and services. To let us know if you do not want us to use your personal information to communicate with you about offers by mail, telephone, and/or e-mail:


Call 1-800-954-0559 or go to

Who we are

Who is providing this notice?

American Express Travel Related Services Company, Inc. and other American Express affiliates that provide financial products or services, including American Express Centurion Bank, American Express Bank, FSB, and AMEX Assurance Company.

What we do

How does American Express protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does American Express collect my personal information?

We collect your personal information, for example, when you

  • open an account or pay your bills
  • give us your income information or give us your contact information
  • use your credit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing of personal information?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.



Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with the American Express name, including financial companies such as American Express Travel Related Services Company, Inc. and nonfinancial companies such as American Express Publishing. Affiliates may also include other companies related by common ownership or control, such as Serve Virtual Enterprises, Inc. and AMEX Assurance Company, a provider of American Express Card-related insurance services.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates with which we share personal information include service providers, including, for example, direct marketers, that perform services or functions on our behalf.

Joint marketing

A formal agreement between nonaffiliated companies that together market financial products or services to you.

  • Our joint marketing partners include financial companies.
Other important information

We may transfer personal information to other countries, for example, for customer service or to process transactions.

AMEX Assurance Company customers: You may have the right to access and correct recorded personal information. Personal information may be disclosed by us to detect fraud or misrepresentation, to verify insurance coverage, to an insurance regulatory authority, law enforcement or other governmental authority pursuant to law, or to a group policyholder for purposes of reporting claims experience or conducting an audit. Personal information related to insurance claim activity obtained from a report prepared by an insurance-support organization on our behalf may be retained by such organization and disclosed as required by law. State law may be more protective than federal law.

California: If your American Express account has a California billing address, we will not share your personal information except to the extent permitted under California law.

Texas: American Express entities American Express Travel Related Services Company, Inc. and American Express Prepaid Card Management Corporation are Texas Department of Banking money services business license holders. If you have a complaint regarding Serve, contact the Serve customer service division by calling 1-800-954-0559. After contacting our customer service division, if you still have an unresolved complaint, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free),,

Vermont: If your American Express account has a Vermont billing address, we will automatically treat your account as if you have directed us not to share information about your creditworthiness with our affiliates.