Consumer Products

Legal Rights & Agreement Rules · Context

Notice carries a Rev. 3/2024 label

The notice is labeled "Rev. 3/2024". The source gives no effective date, expiry date or description of what changed, so the label is the only version marker in the text.

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Supporting quotations

Rev. 3/2024

Not stated here

• The source does not say what "Rev. 3/2024" signifies beyond being a revision label, and states no effective date.

Sharing & Disclosure · Context

Why the notice exists: federal rules on sharing and limits

American Express says financial companies choose how they share your personal information, that federal law gives consumers the right to limit some but not all sharing, and that federal law requires it to tell you how it collects, shares and protects your personal information.

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Supporting quotations

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.

Qualifications & exceptions

• Which kinds of sharing federal law lets you limit is spelled out in the "Why can't I limit all sharing of personal information?" row, not in this row.

Data Access & Collection · Company practice

Types of personal information collected and shared

The types of personal information American Express collects and shares depend on the product or service you have with it. The notice says this information can include Social Security number and income, transaction history and account history, and insurance claim history and credit history.

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Supporting quotations

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

Qualifications & exceptions

• The list is introduced with "can include", so it is illustrative.

Not stated here

• The source does not say which information types apply to which products or services, and does not say the list is complete.

Sharing & Disclosure · Context

How to read the sharing table, with the California rule

The notice says all financial companies need to share customers' personal information to run their everyday business, and that the table lists the reasons financial companies can share, the reasons American Express chooses to share, and whether you can limit that sharing. Each row of the table reads across three columns: the reason, whether American Express shares for it, and whether you can limit it. For accounts with a California billing address, American Express says it will not share personal information except to the extent permitted under California law.

Supporting quotations

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?

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.

Qualifications & exceptions

• The California statement applies when the American Express account has a California billing address.
• The California statement sits in the closing "Other important information" section, below the table.

Not stated here

• The source does not say what California law permits, so the effect of the California statement on any particular table row is not stated.

Cross-references

• qualified by (model-proposed): California billing address: no sharing beyond what California law permits — The California billing-address statement limits the sharing described in the table to what California law permits for those accounts.

Sharing & Disclosure · Company practice

Sharing for everyday business purposes: yes, you cannot limit it

American Express shares personal information for its 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. The table's limit column says No: you cannot limit this sharing.

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Supporting quotations

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 | Yes | No

Qualifications & exceptions

• The examples are introduced with "such as", so they are illustrations rather than a closed list.

Sharing & Disclosure · Company practice

Sharing for American Express's own marketing: yes, no limit in this table

American Express shares personal information for its own marketing purposes, to offer its products and services to you. The table's limit column says No, but points to the "To limit direct marketing" box for additional privacy choices.

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Supporting quotations

For our marketing purposes - to offer our products and services to you | Yes | No (but please see the "To limit direct marketing" box below for information about additional privacy choices)

Qualifications & exceptions

• The additional privacy choices are about direct marketing communications and are described in the "To limit direct marketing" box, not in this row.

Cross-references

• contrast (model-proposed): Sharing for joint marketing with other financial companies — Own-marketing sharing is for American Express's offers to you; joint marketing is a formal agreement between nonaffiliated companies that together market to you. Both rows answer Yes with no limit in the table.

Sharing & Disclosure · Company practice

Sharing for joint marketing with other financial companies

American Express shares personal information for joint marketing with other financial companies, and the limit column says No. The notice defines joint marketing as a formal agreement between nonaffiliated companies that together market financial products or services to you, and says its joint marketing partners include financial companies.

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Supporting quotations

For joint marketing with other financial companies | Yes | No

A formal agreement between nonaffiliated companies that together market financial products or services to you. ● Our joint marketing partners include financial companies.

Qualifications & exceptions

• "Include" means the partners named are not stated to be the only kind of partner.

Not stated here

• The source does not name any joint marketing partner or say which information is shared with them.

Cross-references

• contrast (model-proposed): Sharing for American Express's own marketing: yes, no limit in this table — Own-marketing sharing is for American Express's offers to you; joint marketing is a formal agreement between nonaffiliated companies that together market to you. Both rows answer Yes with no limit in the table.

Sharing & Disclosure · Company practice

Affiliates' everyday business purposes: transactions and experiences

American Express shares information about your transactions and experiences with its affiliates for the affiliates' everyday business purposes. The limit column says No: you cannot limit this sharing.

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Supporting quotations

For our affiliates' everyday business purposes - information about your transactions and experiences | Yes | No

Qualifications & exceptions

• This row is about information on transactions and experiences; creditworthiness information is a separate row with a different limit answer.

Cross-references

• defined by (model-proposed): Definition of affiliates — The affiliates definition explains who the affiliates in this row are.

Sharing & Disclosure · User right or choice

Affiliates' everyday business purposes: creditworthiness, which you can limit

American Express shares information about your creditworthiness with its affiliates for the affiliates' everyday business purposes, and the limit column says Yes: you can limit this sharing. For accounts with a Vermont billing address, American Express says it automatically treats the account as if you had directed it not to share creditworthiness information with its Affiliates.

Supporting quotations

For our affiliates' everyday business purposes - information about your creditworthiness | Yes | Yes

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.

Qualifications & exceptions

• The Vermont treatment applies when the account has a Vermont billing address and concerns creditworthiness information only.
• Other accounts limit this sharing through the methods in the "To limit our sharing" box.

Not stated here

• The source does not say whether the Vermont treatment changes any other table row.

Cross-references

• qualified by (model-proposed): Vermont billing address: creditworthiness sharing with affiliates treated as limited — The Vermont billing-address rule changes the creditworthiness row for those accounts: they are automatically treated as if the customer had directed American Express not to share that information with its Affiliates.

Sharing & Disclosure · User right or choice

Affiliates marketing to you: yes, and you can limit it

American Express shares personal information so that its affiliates can market to you, and the limit column says Yes: you can limit this sharing.

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Supporting quotations

For our affiliates to market to you | Yes | Yes

Qualifications & exceptions

• How to limit is described in the "To limit our sharing" box; the "To limit direct marketing" box describes separate choices about offers by mail, telephone and e-mail.

Sharing & Disclosure · Company practice

Nonaffiliates marketing to you: no

For nonaffiliates to market to you, American Express answers No. The limit column says "We don't share personal information". The No carries a parenthetical: American Express says it may share aggregated or de-identified data.

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Supporting quotations

For nonaffiliates to market to you | No (although we may share aggregated or de-identified data) | We don't share personal information

Qualifications & exceptions

• This row is about nonaffiliates marketing to you; the notice separately says it shares personal information with nonaffiliate service providers that perform services on its behalf and with joint marketing partners.

Not stated here

• The source does not define aggregated or de-identified data or say whether it counts as personal information.

Cross-references

• contrast (model-proposed): Definition of nonaffiliates, including service providers — The nonaffiliates-marketing row says the limit column "We don't share personal information", while the definition says nonaffiliates with which American Express shares personal information include service providers, including direct marketers, that perform services on its behalf. The row concerns nonaffiliates marketing to you; the definition concerns service providers acting on American Express's behalf. The source does not state how the two relate.

Sharing & Disclosure · User right or choice

How to limit sharing: online or by phone

To limit sharing, you can visit www.americanexpress.com/communications online or call 1-855-297-7748, where a menu prompts you through your choice(s).

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Supporting quotations

Visit us online: www.americanexpress.com/communications or ● Call 1-855-297-7748 - our menu will prompt you through your choice(s)

Qualifications & exceptions

• In the table above, only the rows answered Yes in the limit column are limitable: affiliates' creditworthiness information and affiliates marketing to you.

Cross-references

• qualified by (model-proposed): New customers: sharing can begin 30 days after the notice was sent — The ways to limit sharing sit beside a timing statement for new customers: American Express can begin sharing 30 days from the date it sent the notice.

Sharing & Disclosure · Permission or license

New customers: sharing can begin 30 days after the notice was sent

If you are a new customer, American Express says it can begin sharing your personal information 30 days from the date it sent this notice.

Supporting quotations

If you are a new customer, we can begin sharing your personal information 30 days from the date we sent this notice.

Qualifications & exceptions

• The wording is "can begin sharing", a permission, and the 30 days run from the date the notice was sent.

Not stated here

• The source does not say how a customer is classified as new or how the notice is sent.

Cross-references

• qualifies (model-proposed): How to limit sharing: online or by phone — The ways to limit sharing sit beside a timing statement for new customers: American Express can begin sharing 30 days from the date it sent the notice.

Sharing & Disclosure · Company practice

Sharing continues after you stop being a customer

When you are no longer a customer, American Express says it continues to share your personal information as described in the notice. You can still contact it at any time to limit its sharing.

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Supporting quotations

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.

Not stated here

• The source does not state how long information about former customers is kept or shared.

Sharing & Disclosure · User right or choice

Additional choices about direct marketing

American Express says it provides additional privacy choices to customers. To tell it you do not want your personal information used to communicate with you about offers by mail, telephone and/or e-mail, you can visit www.americanexpress.com/communications online or call 1-855-297-7748; the telephone number is not available for choices about e-mail communications.

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Supporting quotations

We provide additional privacy choices to customers.

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: ● Visit us online: www.americanexpress.com/communications or ● Call 1-855-297-7748 (except for choices about e-mail communications)

Qualifications & exceptions

• E-mail choices cannot be made by calling; they are made online.

Cross-references

• qualified by (model-proposed): Privacy elections may not carry over across products — Choices made for one product or service may not automatically be applied to other products and services, which qualifies the direct marketing choices.

Account & Service Control · Restriction or exception

Privacy elections may not carry over across products

American Express says privacy elections you make for any one product or service may not automatically be applied to other products and services.

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Supporting quotations

Privacy elections you make for any one product or service may not automatically be applied to other products and services.

Qualifications & exceptions

• The sentence uses "may not", so carry-over is not promised in either direction.

Not stated here

• The sentence appears in the direct marketing box; the source does not say whether it also covers choices made to limit sharing.

Cross-references

• qualifies (model-proposed): Additional choices about direct marketing — Choices made for one product or service may not automatically be applied to other products and services, which qualifies the direct marketing choices.

Account & Service Control · Procedure

Contact for questions

For questions, the notice gives a phone number, 1-800-528-4800, and a web address, www.americanexpress.com/contact.

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Supporting quotations

Call 1-800-528-4800 or go to www.americanexpress.com/contact.

Legal Rights & Agreement Rules · Context

Who is providing the notice

The notice is provided by American Express Travel Related Services Company, Inc. and other American Express Affiliates that provide financial products or services, including American Express National Bank and AMEX Assurance Company.

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Supporting quotations

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

Qualifications & exceptions

• "Including" means the named companies are examples of the affiliates providing the notice.

Not stated here

• The notice text does not state which cards or products it covers, or whether it covers business customers; the answer depends on the product or service you have with American Express.

Security & Safeguards · Company commitment

Security measures that protect personal information

American Express says it protects your personal information from unauthorized access and use with security measures that comply with federal law, including computer safeguards and secured files and buildings.

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Supporting quotations

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.

Not stated here

• The source does not name specific technical safeguards beyond computer safeguards and secured files and buildings.

Data Access & Collection · Company practice

How personal information is collected

American Express says it collects your personal information, for example, when you open an account or pay your bills, give it your income or contact information, or use your credit card. It also collects personal information from others, such as credit bureaus, affiliates or other companies.

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Supporting quotations

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.

Qualifications & exceptions

• The examples are introduced with "for example" and "such as", so they are not a closed list.

Sharing & Disclosure · Restriction or exception

Why you cannot limit all sharing, and where state law may add rights

American Express says federal law gives you the right to limit only three things: sharing for affiliates' everyday business purposes of information about your creditworthiness, affiliates using your information to market to you, and sharing for nonaffiliates to market to you. It adds that state laws and individual companies may give additional rights to limit sharing, and refers you to the closing "Other important information" section, which also says state law may be more protective than federal law.

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Supporting quotations

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.

Other important information

State law may be more protective than federal law.

Qualifications & exceptions

• "May give" means additional rights are possible, not promised.
• In the table, American Express answers No for nonaffiliates marketing to you, so that federal right has no sharing to limit in this notice.

Not stated here

• The source does not list which states or companies give additional rights, beyond the California and Vermont billing-address statements in the closing section.

Cross-references

• refers to (model-proposed): California billing address: no sharing beyond what California law permits — The "See below for more on your rights under state law" pointer leads to the closing section, where the California billing-address statement appears.
• refers to (model-proposed): Vermont billing address: creditworthiness sharing with affiliates treated as limited — The same pointer leads to the Vermont billing-address statement in the closing section.

Account & Service Control · Company practice

Joint accounts: your choices apply to everyone on the account

If you limit sharing for an account you hold jointly with someone else, American Express says your choices apply to everyone on your account.

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Supporting quotations

Your choices will apply to everyone on your account.

Not stated here

• The source does not define "everyone on your account" or say whether it includes authorized users.

Sharing & Disclosure · Context

Definition of affiliates

The notice defines affiliates as companies related by common ownership or control, which can be financial and nonfinancial companies. American Express says its affiliates include companies with the American Express name, including financial companies such as American Express Travel Related Services Company, Inc. and nonfinancial companies, and may also include other companies related by common ownership or control, such as AMEX Assurance Company, a provider of American Express Card-related insurance services.

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Supporting quotations

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. Affiliates may also include other companies related by common ownership or control, such as AMEX Assurance Company, a provider of American Express Card-related insurance services.

Qualifications & exceptions

• "Include", "such as" and "may also include" mean the examples are not a complete list.

Not stated here

• The source does not list the nonfinancial affiliates.

Cross-references

• defines (model-proposed): Affiliates' everyday business purposes: transactions and experiences — The affiliates definition explains who the affiliates in this row are.

Sharing & Disclosure · Company practice

Definition of nonaffiliates, including service providers

The notice defines nonaffiliates as companies not related by common ownership or control, which can be financial and nonfinancial companies. It says the nonaffiliates with which American Express shares personal information include service providers, including, for example, direct marketers, that perform services or functions on its behalf.

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Supporting quotations

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.

Qualifications & exceptions

• The sharing described here is with service providers that perform services or functions on American Express's behalf.

Not stated here

• The table does not say which row covers sharing with these service providers, and the source does not list other kinds of nonaffiliates it shares with.

Cross-references

• contrast (model-proposed): Nonaffiliates marketing to you: no — The nonaffiliates-marketing row says the limit column "We don't share personal information", while the definition says nonaffiliates with which American Express shares personal information include service providers, including direct marketers, that perform services on its behalf. The row concerns nonaffiliates marketing to you; the definition concerns service providers acting on American Express's behalf. The source does not state how the two relate.

Use & Processing · Permission or license

Personal information may be transferred to other countries

American Express says it may transfer personal information to other countries, for example, for customer service or to process transactions.

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Supporting quotations

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

Qualifications & exceptions

• The wording is "may", and the purposes are introduced with "for example", so they are illustrations rather than a closed list.

Not stated here

• The source does not name the countries, the information transferred, or any safeguards for the transfer.

Account & Service Control · User right or choice

AMEX Assurance Company customers: possible right to access and correct

For AMEX Assurance Company customers, the notice says you may have the right to access and correct recorded personal information. AMEX Assurance Company is named in the notice as one of the American Express Affiliates providing it, and is described as a provider of American Express Card-related insurance services.

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Supporting quotations

AMEX Assurance Company customers. You may have the right to access and correct recorded personal information.

American Express National Bank and AMEX Assurance Company

such as AMEX Assurance Company, a provider of American Express Card-related insurance services

Qualifications & exceptions

• The wording is "may have the right", so the right is not stated as unconditional.
• The paragraph is addressed to AMEX Assurance Company customers, not to all American Express customers.

Not stated here

• The source does not say how to make an access or correction request, or what law or conditions give the right.

Sharing & Disclosure · Permission or license

AMEX Assurance Company customers: purposes for which information may be disclosed

For AMEX Assurance Company customers, the notice says personal information may be disclosed by American Express to detect fraud or misrepresentation, to verify insurance coverage, to an insurance regulatory authority, to law enforcement or another governmental authority pursuant to law, or to a group policyholder for purposes of reporting claims experience or conducting an audit.

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Supporting quotations

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.

Qualifications & exceptions

• The wording is "may be disclosed", a permission rather than a statement that each disclosure always occurs.
• Disclosure to law enforcement or another governmental authority is tied to "pursuant to law".

Not stated here

• The source does not say whether the customer can limit these disclosures.

Retention & Deletion · Permission or license

AMEX Assurance Company customers: insurance-support organization reports

For AMEX Assurance Company customers, the notice says personal information related to insurance claim activity, obtained from a report prepared by an insurance-support organization on American Express's behalf, may be retained by that organization and disclosed as required by law.

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Supporting quotations

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.

Qualifications & exceptions

• The wording is "may be retained" and covers disclosure "as required by law".

Not stated here

• The source does not say how long the insurance-support organization may retain the information.

Sharing & Disclosure · Company commitment

California billing address: no sharing beyond what California law permits

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

Supporting quotations

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.

Qualifications & exceptions

• The statement applies when the account has a California billing address.

Not stated here

• The source does not say what California law permits, so it does not say which sharing in the table stops for these accounts.

Cross-references

• qualifies (model-proposed): How to read the sharing table, with the California rule — The California billing-address statement limits the sharing described in the table to what California law permits for those accounts.
• referred to by (model-proposed): Why you cannot limit all sharing, and where state law may add rights — The "See below for more on your rights under state law" pointer leads to the closing section, where the California billing-address statement appears.

Sharing & Disclosure · Company practice

Vermont billing address: creditworthiness sharing with affiliates treated as limited

If your American Express account has a Vermont billing address, American Express says it will automatically treat your account as if you had directed it not to share information about your creditworthiness with its Affiliates.

Supporting quotations

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.

Qualifications & exceptions

• The statement applies when the account has a Vermont billing address and is limited to creditworthiness information shared with Affiliates.

Not stated here

• The source does not say whether the Vermont treatment affects any other sharing.

Cross-references

• qualifies (model-proposed): Affiliates' everyday business purposes: creditworthiness, which you can limit — The Vermont billing-address rule changes the creditworthiness row for those accounts: they are automatically treated as if the customer had directed American Express not to share that information with its Affiliates.
• referred to by (model-proposed): Why you cannot limit all sharing, and where state law may add rights — The same pointer leads to the Vermont billing-address statement in the closing section.