American Express Network Online Privacy Statement

Effective Date: April 1, 2014

The American Express Network is committed to safeguarding your privacy when it provides you with online applications that run on smart phones, tablets and other mobile devices (“app” or “apps”), online services or websites on behalf of the issuer of your American Express Card. We want you to know how we may collect, use, share and keep information about you and the choices that are available to you when you use such an app, service or website.

For additional details about how American Express safeguards your privacy related to any specific apps, services or websites, please refer to the privacy section in the Terms of Use associated with the app, service or website.

If you have an American Express Network product or service that is not provided by American Express (such as a card issued by one of our partner banks), please review the relevant privacy notice that covers such product or service or contact the provider of that product or service for information about their privacy practices.

This online privacy statement only applies to American Express Network apps, services or websites that link to this statement and does not apply to any American Express website such as americanexpress.com, or an app that has its own online privacy statement.

American Express Network apps, services and websites are not intended for children under 13 years of age. We do not knowingly solicit data online from, or market online to, children under 13 years of age.

Since we may change this online privacy statement, we recommend that you check the current version available from time to time. If we make changes to this statement, we will update the “Effective Date” at the top of this page.



What is in this online privacy statement?

What information does this Online Privacy Statement cover?


What information do we collect online and how do we collect it?


How do we use the information we collect about you?


How do we share your information?


    How we treat your Personal Information


    How do we handle Aggregated and De-identified Information


How do we keep and safeguard your information?


What are your choices?


Do you have questions about the Online Privacy Statement?


Glossary


What information does this online privacy statement cover?

This online privacy statement describes how we (and our Service Providers) may collect, use, share, and keep information that we get about you online. We gather Online Information if you:


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



What information do we collect online and how do we collect it?

The types of information we collect depends on which app, service or website you use.

We collect information that you provide directly to us (or to our Service Providers). For example, you might give us your name, account number, email, mailing address, phone number or date of birth when you:


We (and our Service Providers) collect information through Cookies and Similar Technologies. Most Cookies and Similar Technologies will only collect De-Identified Information such as how you arrive at our website or your general location. However, certain Cookies and Similar Technologies do collect Personal Information. For example, if you click Remember Me when you log in to our website, a cookie will store your username.


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


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



How do we use the information we collect about you?

We may use Online Information we collect about you on its own or combine it with Other Information we have about you:






How do we share your information?

Some Online Information is Personal Information.


How we treat your Personal Information

We do not share Personal Information with anyone except as described below. We may share Personal Information as required or as permitted by law, such as:


We may transfer Personal Information to Service Providers or companies within the American Express Family of Companies throughout the world to process transactions and provide you with our services. Regardless of where we process your information, we still protect it in the manner described in this online privacy statement and according to applicable laws.



How we handle Aggregated Information and De-Identified Information

Aggregated Information or De-Identified Information does not identify you individually and is used to help us to analyze patterns among groups of people. We may share Aggregated Information or De-Identified Information in several ways, for example:



How do we keep and safeguard your information?

We use administrative, technical and physical security measures to protect your Personal Information. These measures include computer safeguards and secured files and facilities. We take reasonable steps to securely destroy or permanently de-identify Personal Information when we no longer need it. We will keep your Online Information only as long as we must to deliver our services, unless we are required by law or regulation or for litigation and regulatory investigations to keep it.



What are your choices?

You have choices about how American Express Network uses your information, such as how we market to you.

If you do not want to receive marketing e-mails from the American Express Network about our services, or the services of our Business Partners, you may follow the unsubscribe instructions that are located at the bottom of those messages. Please note that your choice is applicable only to the marketing communications you receive from the American Express Network. It does not apply to marketing communications that may be sent to you by the issuer of your card product.



Do you have questions about the online privacy statement?

If you have questions about this online privacy statement, please email amexnetworkprivacy@aexp.com.


Glossary


Aggregated Information-- data or information relating to multiple people that has been combined or aggregated. Aggregated Information includes information that we create or compile from various sources, including transactions or certain data from Cookies and Similar Technologies.


American Express Network (we, our, us)-- the American Express Network as identified at the beginning of this online privacy statement.


American Express Family of Companies-- any affiliate and subsidiary of, and any company owned or controlled by, the American Express Company.


Business Partners-- any third parties with whom we conduct business and have a contractual relationship, such as a business that accepts American Express branded cards.


Co-brand Partners-- businesses we partner with to offer cards featuring both brand logos.


Cookies and Similar Technologies-- a cookie is a small data file that a website transfers to your computer's hard drive. We may send cookies when you visit our website or websites where our ads appear or when you make purchases, request or personalize information, or register for certain services. If you accept the cookies used on our website, websites that are “powered by” another company on our behalf, or websites where our ads appear, you may give us access to information about your interests. We may use that information to personalize your experience. Similar technologies such as web beacons, pixels, gifs, and tags also do the same thing. We use the term Cookies and Similar Technologies in this statement to refer to all technologies that collect information in this way.


De-identified Information-- data or information used in a way that does not identify you to a third party. We often derive De-Identified Information from Personal Information. It includes information that we may collect from various sources, such as card transactions or certain data from Cookies and Similar Technologies.


IP Address-- a number assigned to a device when connecting to the Internet.


Online Information-- data or information collected on the American Express websites and apps as well as on websites and apps of third parties relating to topics about our business.


Other Information-- American Express internal information (for example, transaction data), external data that financial companies use to process applications and complete transactions, and other online and offline information.


Personal Information-- information that can identify a person, such as name, address, telephone number and email address.


Service Providers-- any vendor or company that performs business operations on our behalf, such as communications services (e.g., email), marketing, data processing, servicing or ad management.