American Express Prepaid Cards

Legal Rights & Agreement Rules · Context

What this notice is for

This is a privacy notice labeled Rev. 12/2024 from American Express, titled as a question about what American Express does with your personal information. It says financial companies choose how they share personal information, that federal law lets consumers limit some but not all sharing, and that federal law requires American Express to tell you how it collects, shares and protects your personal information.

Supporting quotations

Rev. 12/2024 WHAT DOES AMERICAN EXPRESS DO WITH YOUR PERSONAL INFORMATION?

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

• The right to limit is described as covering "some but not all sharing"; the table below shows which.

Not stated here

• The notice shows a revision label (Rev. 12/2024) but no separate effective date.
• The notice does not name the federal law it refers to.

Data Access & Collection · Company practice

Types of personal information collected and shared

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

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 wording is "can include", so the list is examples rather than a full list.
• What is collected and shared depends on the product or service you have.

Not stated here

• The notice does not say which of these types apply to each prepaid product it names.

Sharing & Disclosure · Context

How the sharing table is organized

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. The table has three columns: the reason for sharing, whether American Express shares, and whether you can limit this sharing. The next cards read it row by row.

Supporting quotations

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.

Does American Express share?

Can you limit this sharing?

Qualifications & exceptions

• Each row answers the two questions only for that row's reason.

Sharing & Disclosure · Company practice

Sharing for everyday business purposes

American Express says it shares personal information for its everyday business purposes, such as processing your transactions, maintaining your accounts, responding to court orders and legal investigations, and reporting to credit bureaus. The table answers "No" to whether you can limit this sharing.

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 listed activities follow "such as", so they are examples.

Not stated here

• The notice does not say which recipients receive information for these purposes.

Sharing & Disclosure · Company practice

Sharing for American Express's own marketing

American Express says it shares personal information for its own marketing purposes, to offer its products and services to you. The table answers "No" to whether you can limit this sharing through that row, but points you to the "To limit direct marketing" box for additional privacy choices.

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 "No" is followed by a pointer to additional privacy choices in the direct marketing box.

Sharing & Disclosure · Company practice

Sharing for joint marketing with other financial companies

American Express says it shares personal information for joint marketing with other financial companies, and the table answers "No" to whether you can limit this sharing. 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.

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

• Joint marketing is defined as a formal agreement between nonaffiliated companies.

Not stated here

• The notice does not name the joint marketing partners or the products marketed.

Cross-references

• defined by (model-proposed): Joint marketing defined — The definitions section explains the term used in the joint marketing row of the sharing table.

Sharing & Disclosure · Company practice

Sharing with affiliates for their everyday business: transactions and experiences

American Express says it shares information about your transactions and experiences with its affiliates for the affiliates' everyday business purposes. The table answers "No" to whether you can limit this sharing.

Supporting quotations

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes | No

Qualifications & exceptions

• This row covers information about transactions and experiences only; creditworthiness information is a separate row.

Not stated here

• The notice does not list which affiliates receive this information.

Sharing & Disclosure · User right or choice

Sharing creditworthiness information with affiliates, and your choice to limit it

American Express says it shares information about your creditworthiness with its affiliates for the affiliates' everyday business purposes. The table answers "Yes" to whether you can limit this sharing. If your account has a Vermont billing address, American Express says it will automatically treat the account as if you had told it not to share creditworthiness information with its affiliates.

Supporting quotations

For our affiliates’ everyday business purposes – information about your creditworthiness

Yes | Yes

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.

Qualifications & exceptions

• You can limit this sharing; the notice's "To limit our sharing" box says how.
• Vermont billing address: the account is automatically treated as opted out of creditworthiness sharing with affiliates.

Cross-references

• has exception (model-proposed): Vermont billing address — The Vermont billing-address rule treats Vermont accounts as already opted out of the creditworthiness sharing that the table lets other customers limit.

Sharing & Disclosure · User right or choice

Affiliates marketing to you, and your choice to limit it

American Express says it shares personal information so that its affiliates can market to you. The table answers "Yes" to whether you can limit this sharing.

Supporting quotations

For our affiliates to market to you

Yes | Yes

Qualifications & exceptions

• You can limit this sharing; the notice's "To limit our sharing" box says how.

Not stated here

• The notice does not say whether the "To limit direct marketing" choices cover the same marketing by affiliates.

Sharing & Disclosure · Company practice

Nonaffiliates marketing to you: not shared

For nonaffiliates to market to you, American Express answers "No" to whether it shares and, in the limit column, says it does not share personal information. In the "Does American Express share?" column it adds that it may share aggregated or de-identified data.

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

• The "No" is qualified: American Express may share aggregated or de-identified data.

Not stated here

• The notice does not define aggregated or de-identified data or say who receives it.

Cross-references

• contrast (model-proposed): Who counts as a nonaffiliate — The table says American Express does not share personal information for nonaffiliates to market to you, while the definitions say it shares with nonaffiliate service providers, including direct marketers, that act on its behalf. The notice does not say how these fit together.

Sharing & Disclosure · User right or choice

How to limit sharing, and the new-customer delay

To limit sharing, the notice tells you to use the "Questions?" section to call or visit American Express online for your product. If you are a new customer, American Express says it can begin sharing your personal information 30 days from the date it sent the notice. When you are no longer a customer, it says it continues to share your personal information as described, but that you can contact it at any time to limit sharing.

Supporting quotations

See the “Questions?” section below to call or visit us online for your respective product.

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.

Qualifications & exceptions

• The 30 days run from the date American Express sent the notice, not from account opening.
• Sharing continues after you are no longer a customer, as described in the notice.

Not stated here

• This box does not say which table rows the contact covers.

Use & Processing · User right or choice

Limiting direct marketing

American Express says it provides additional privacy choices to customers. To tell it you do not want to be contacted about offers by mail, telephone and/or email, the notice points you to the "Questions?" section to call or visit online for your product. It adds that privacy elections you make for one product or service may not automatically apply to other products and services.

Supporting quotations

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 email: See the “Questions?” section below to call or visit us online for your respective product.

Qualifications & exceptions

• A choice made for one product or service may not automatically apply to other products and services.

Not stated here

• The notice does not say whether you must repeat a choice for each product.

Account & Service Control · Procedure

Where to call or visit about your product

The "Questions?" box lists a website and phone number for each of four prepaid products: Serve, Bluebird, Prepaid REDcard and Gift Card. These are the contacts the notice sends you to for limiting sharing and direct marketing choices.

Supporting quotations

Call or visit us online: Serve serve.com/serve-amex-landing-page 1-800-954-0559 Bluebird bluebird.com/prepaidaccount 1-877-486-5990 Prepaid REDcard amex.serve.com/prepaidredcard 1-855-306-7395 Gift Card amexgiftcard.com 1-877-297-4438

Qualifications & exceptions

• Each product has its own website and phone number.

Not stated here

• The notice does not say which numbers handle which kind of request beyond the product listed.

Cross-references

• contrast (model-proposed): Texas complaint contacts — The Texas block gives 1-877-297-4438 for Bluebird, Target Prepaid REDcard and Gift Card complaints, while the Questions box lists different numbers for Bluebird and Prepaid REDcard. The notice does not explain the difference; the two lists serve different purposes (complaints versus privacy choices).

Legal Rights & Agreement Rules · Context

Who is providing this notice

The notice says it 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, American Express Prepaid Card Management Corporation, and AMEX Assurance Company.

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, American Express Prepaid Card Management Corporation, and AMEX Assurance Company.

Qualifications & exceptions

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

Not stated here

• The notice does not say which company handles which prepaid product.

Security & Safeguards · Company practice

How personal information is protected

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

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.

Qualifications & exceptions

• "Include" signals examples of the measures, not a full list.

Not stated here

• The notice does not name specific safeguards, standards or the federal law it refers to.

Data Access & Collection · Company practice

How personal information is collected

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

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 listed occasions follow "for example", so they are not a full list.

Not stated here

• The notice lists "use your credit card" as an example; it does not say how that applies to the four prepaid products named in its contact box.

Sharing & Disclosure · Restriction or exception

Why you cannot limit all sharing

The notice says federal law gives you the right to limit only three kinds of sharing: affiliates' everyday business use of creditworthiness information, affiliates using your information to market to you, and nonaffiliates marketing to you. It says state laws and individual companies may give additional rights to limit sharing and that state law may be more protective than federal law. As one example, if your account has a California billing address, American Express says it will not share your personal information except as California law permits.

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.

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.

Qualifications & exceptions

• The federal right covers only three kinds of sharing.
• California billing address: sharing only to the extent California law permits.

Not stated here

• The notice does not say what California law permits, or how that limits the "Yes" answers in the table.

Cross-references

• referred to by (model-proposed): California billing address — The California card repeats the state-law sentences that follow the list of federal limiting rights.

Account & Service Control · User right or choice

Joint accounts

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

Supporting quotations

Your choices will apply to everyone on your account.

Qualifications & exceptions

• The choice applies to everyone on the account, not only the person who made it.

Sharing & Disclosure · Context

Who counts as an affiliate

The notice defines affiliates as companies related by common ownership or control, financial or nonfinancial. It says the affiliates include companies with the American Express name, 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.

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

• Affiliates can be financial or nonfinancial companies.
• "May also include" means the notice does not give a complete list.

Not stated here

• The notice does not list all affiliates.

Sharing & Disclosure · Context

Who counts as a nonaffiliate

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

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 service providers named perform services or functions on American Express's behalf.

Not stated here

• The notice does not say which row of the table covers sharing with these service providers, including direct marketers.

Cross-references

• contrast (model-proposed): Nonaffiliates marketing to you: not shared — The table says American Express does not share personal information for nonaffiliates to market to you, while the definitions say it shares with nonaffiliate service providers, including direct marketers, that act on its behalf. The notice does not say how these fit together.

Sharing & Disclosure · Context

Joint marketing defined

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. Nonaffiliated companies are those not related by common ownership or control.

Supporting quotations

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

Our joint marketing partners include financial companies.

Companies not related by common ownership or control.

Qualifications & exceptions

• Partners are nonaffiliated companies, and the notice says they include financial companies.

Not stated here

• The notice does not name the partners.

Cross-references

• defines (model-proposed): Sharing for joint marketing with other financial companies — The definitions section explains the term used in the joint marketing row of the sharing table.

Use & Processing · Company practice

Transfers to other countries

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

Supporting quotations

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

Qualifications & exceptions

• The purposes follow "for example", so they are examples.

Not stated here

• The notice does not name the countries or say what safeguards apply.

Account & Service Control · User right or choice

AMEX Assurance Company customers: access and correction

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 as one of the affiliates providing the notice and as a provider of American Express Card-related insurance services.

Supporting quotations

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

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

AMEX Assurance Company

Qualifications & exceptions

• The wording is "may have", and it applies to AMEX Assurance Company customers.

Not stated here

• The notice does not say how to exercise this right or which prepaid-card customers, if any, are AMEX Assurance Company customers.

Sharing & Disclosure · Company practice

Insurance-related disclosures of personal information

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, law enforcement or other governmental authority pursuant to law, or to a group policyholder for reporting claims experience or conducting an audit.

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", so these are permitted disclosures, not required ones.

Not stated here

• This passage follows the line about AMEX Assurance Company customers; the notice does not say whether it applies only to them.

Retention & Deletion · Company practice

Insurance-support organization reports

The notice says personal information about insurance claim activity, obtained from a report prepared on American Express's behalf by an insurance-support organization, may be retained by that organization and disclosed as required by law.

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" by the organization and disclosed as required by law.

Not stated here

• The notice does not say how long the organization retains the information.

Sharing & Disclosure · Restriction or exception

California billing address

If your account has a California billing address, American Express says it will not share your personal information except to the extent permitted under California law. The notice prefaces this with the statement that state law may be more protective than federal law.

Supporting quotations

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.

State laws and individual companies may give you additional rights to limit sharing.

Qualifications & exceptions

• Applies to accounts with a California billing address.

Not stated here

• The notice does not say what California law permits or how this changes the table's "Yes" answers.

Cross-references

• refers to (model-proposed): Why you cannot limit all sharing — The California card repeats the state-law sentences that follow the list of federal limiting rights.

Sharing & Disclosure · Restriction or exception

Vermont billing address

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

Supporting quotations

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.

Qualifications & exceptions

• Applies to accounts with a Vermont billing address.
• Covers creditworthiness information shared with affiliates only.

Not stated here

• The notice does not say whether affiliates may still market to Vermont account holders.

Cross-references

• exception to (model-proposed): Sharing creditworthiness information with affiliates, and your choice to limit it — The Vermont billing-address rule treats Vermont accounts as already opted out of the creditworthiness sharing that the table lets other customers limit.

Legal Rights & Agreement Rules · Context

Texas money services licensing

The notice says American Express Travel Related Services Company, Inc. and American Express Prepaid Card Management Corporation are Texas Department of Banking money services business license holders.

Supporting quotations

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.

American Express Prepaid Card Management Corporation

Qualifications & exceptions

• Names two American Express entities as license holders.

Not stated here

• The notice does not say who the Texas statement applies to, for example by residence or billing address.

Legal Rights & Agreement Rules · Procedure

Texas complaint contacts

For complaints, the Texas block gives phone numbers by product: Serve at 1-800-954- 0559; Bluebird, Target Prepaid REDcard or Gift Card at 1-877-297-4438; and American Express Travelers Cheque products or foreign currency purchases at 1-800-221-7282. If a complaint is still unresolved after contacting customer service, it directs you to the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov, consumer.complaints@dob.texas.gov.

Supporting quotations

If you have a complaint regarding Serve, contact the Serve customer service division by calling 1-800-954- 0559.

If you have a complaint regarding Bluebird, Target Prepaid REDcard, or Gift Card, call us at 1-877-297-4438.

If you have a complaint regarding an American Express Travelers Cheque product or purchase of foreign currency, contact the customer service division of American Express by calling 1-800-221-7282.

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), www.dob.texas.gov, consumer.complaints@dob.texas.gov.

Qualifications & exceptions

• Applies under the "Texas:" label; the Texas Department of Banking step comes after contacting customer service.

Not stated here

• The Bluebird and Prepaid REDcard numbers in the Texas block (1-877-297-4438) differ from the numbers in the "Questions?" box (1-877-486-5990 and 1-855-306-7395); the notice does not explain why.
• The Texas block says "Target Prepaid REDcard" while the "Questions?" box says "Prepaid REDcard"; the notice does not say whether these are the same product.
• The notice does not say whether the Texas statement applies by residence, billing address or where the product was bought.

Cross-references

• contrast (model-proposed): Where to call or visit about your product — The Texas block gives 1-877-297-4438 for Bluebird, Target Prepaid REDcard and Gift Card complaints, while the Questions box lists different numbers for Bluebird and Prepaid REDcard. The notice does not explain the difference; the two lists serve different purposes (complaints versus privacy choices).