American Express Travelers Cheques

Legal Rights & Agreement Rules · Context

Notice is marked Rev. 10/2026

The first line of the notice reads "Rev. 10/2026". It is the only date-like marker in the notice text.

Supporting quotations

Rev. 10/2026

Qualifications & exceptions

• The notice does not say what the marker means or give an effective date.

Not stated here

• Whether "Rev." is a revision date, and what earlier or later versions exist, is not stated.

Legal Rights & Agreement Rules · Context

Notice explains how federal law frames sharing choices

The notice says financial companies choose how they share personal information, that federal law gives consumers the right to limit some but not all sharing, and that federal law also requires American Express to tell consumers how it collects, shares and protects personal information. It asks readers to read the notice carefully.

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

• The first sentences speak of financial companies generally; American Express's own choices are in the table that follows.

Not stated here

• The notice does not name the federal law.

Data Access & Collection · Company practice

Personal information types depend on the product or service

The notice says the types of personal information American Express collects and shares depend on the product or service you have with it, and that this information can include Social Security number and income, transaction history and account history, and insurance claim history and credit history. A separate paragraph under "Other important information" is addressed to AMEX Assurance Company customers.

Supporting quotations

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

Social Security number and income

transaction history and account history

insurance claim history and credit history

AMEX Assurance Company customers:

Qualifications & exceptions

• The list is introduced by "This information can include", so it gives examples rather than an exhaustive list.

Not stated here

• The notice does not say which of these types apply to travelers cheques specifically.
• The notice does not say whether travelers cheque purchasers are AMEX Assurance Company customers.

Sharing & Disclosure · Context

The table sets out which sharing American Express does and whether you can limit it

The notice says all financial companies need to share customers' personal information to run their everyday business. The table that follows lists the reasons financial companies can share, whether American Express shares for each reason ("Does American Express share?") and whether you can limit that sharing ("Can you limit this sharing?").

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.

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

Qualifications & exceptions

• Each row below answers two separate questions in two columns; "Yes" under the first does not imply a choice under the second.

Sharing & Disclosure · Company practice

Shares for everyday business purposes; you cannot limit it

For its everyday business purposes the table says American Express shares personal information (Yes) and that you cannot limit this sharing (No). The row gives examples of such purposes: processing your transactions, maintaining your account(s), responding to court orders and legal investigations, or reporting to credit bureaus.

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 purposes are introduced by "such as", so they are examples, not a complete list.

Not stated here

• The row does not name who receives the information.

Sharing & Disclosure · Company practice

Shares for its own marketing; table says you cannot limit, with a separate marketing choice

For its own marketing purposes, to offer its products and services to you, the table says American Express shares personal information (Yes) and that you cannot limit this sharing (No), but points 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 additional choices are described in the "To limit direct marketing" box and concern offers communicated by mail, telephone and/or e-mail.

Not stated here

• The row does not say whether those additional choices stop the sharing itself or only the communications.
• The row does not name who receives the information.

Sharing & Disclosure · Company practice

Shares for joint marketing with other financial companies; you cannot limit it

For joint marketing with other financial companies the table says American Express shares (Yes) and you cannot limit this sharing (No). The definitions describe joint marketing as a formal agreement between nonaffiliated companies that together market financial products or services to you, and say American Express's 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

• The definition says partners "include" financial companies, which does not limit them to that group.

Not stated here

• Partners are not named.

Sharing & Disclosure · Company practice

Shares transactions and experiences with affiliates; you cannot limit it

For its affiliates' everyday business purposes, the table says American Express shares information about your transactions and experiences (Yes) and you cannot limit this sharing (No). This is a different row from sharing creditworthiness information with affiliates, which you can limit.

Supporting quotations

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

Qualifications & exceptions

• The row is limited to information about your transactions and experiences.

Sharing & Disclosure · User right or choice

Shares creditworthiness information with affiliates; you can limit it

For its affiliates' everyday business purposes, the table says American Express shares information about your creditworthiness (Yes) and that you can limit this sharing (Yes). The notice adds that for an American Express account with a Vermont billing address, American Express will automatically treat the account as if you had directed it not to share creditworthiness information with 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

• The Vermont paragraph applies to an account with a Vermont billing address.

Not stated here

• The notice does not say whether the Vermont paragraph reaches travelers cheque purchasers who have no American Express account with a billing address.

Cross-references

• qualified by (model-proposed): Vermont billing address: treated as a direction not to share creditworthiness information with affiliates — For accounts with a Vermont billing address, American Express treats the account as already directed not to share creditworthiness information with affiliates, which qualifies the table row that says it shares this information and you can limit it.

Sharing & Disclosure · User right or choice

Shares so affiliates can market to you; you can limit it

For its affiliates to market to you, the table says American Express shares personal information (Yes) and that you can limit this sharing (Yes). The notice repeats that federal law gives you the right to limit affiliates from using your information to market to you.

Supporting quotations

For our affiliates to market to you | Yes | Yes

affiliates from using your information to market to you

Not stated here

• The row does not describe how the limit works beyond the contact steps in the "To limit our sharing" box.

Sharing & Disclosure · Company practice

Does not share for nonaffiliates to market to you, apart from aggregated or de-identified data

For nonaffiliates to market to you, the table says No, with the parenthetical "although we may share aggregated or de-identified data", and answers the limit column with "We don't share personal information".

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 by the parenthetical about aggregated or de-identified data.

Not stated here

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

Cross-references

• contrast (model-proposed): Nonaffiliates include service providers acting on American Express's behalf — The table answers No to sharing for nonaffiliates to market to you, while the definitions say the nonaffiliates American Express shares personal information with include service providers such as direct marketers that act on its behalf. The notice does not explain how the two fit together; this is a reviewed tension in wording, not a finding that either is wrong.

Sharing & Disclosure · Company practice

Nonaffiliates include service providers acting on American Express's behalf

The definitions describe nonaffiliates as companies not related to American Express by common ownership or control, financial or nonfinancial. They say the 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 list is introduced by "include" and "for example", so it is not exhaustive.
• The service providers act "on our behalf".

Not stated here

• The notice does not explain how sharing with direct marketers acting on American Express's behalf relates to the table's "No" for nonaffiliates to market to you.

Cross-references

• contrast (model-proposed): Does not share for nonaffiliates to market to you, apart from aggregated or de-identified data — The table answers No to sharing for nonaffiliates to market to you, while the definitions say the nonaffiliates American Express shares personal information with include service providers such as direct marketers that act on its behalf. The notice does not explain how the two fit together; this is a reviewed tension in wording, not a finding that either is wrong.

Sharing & Disclosure · Context

Affiliates are related companies, financial and nonfinancial

The definitions describe affiliates as companies related by common ownership or control, financial or nonfinancial. American Express's 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 related companies 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

• "Include" and "may also include" mean the named companies are examples.

Not stated here

• The notice does not list the nonfinancial affiliates.

Account & Service Control · Procedure

How to limit sharing: call 1-800-221-7282

To limit sharing, the notice gives the number 1-800-221-7282 to call and says you can contact American Express at any time to limit its sharing. The table's "Can you limit this sharing?" column marks which sharing can be limited.

Supporting quotations

To limit our sharing | Call 1-800-221-7282

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

Qualifications & exceptions

• The table answers "No" to "Can you limit this sharing?" for several rows, and the notice says federal law gives the right to limit only three kinds of sharing.

Not stated here

• The notice gives only a telephone number and no other way to make the request.

Sharing & Disclosure · Company practice

New customers: sharing can begin 30 days after the notice; sharing continues after you leave

If you are a new customer, American Express can begin sharing your personal information 30 days from the date it sent the notice. When you are no longer a customer, American Express continues to share your personal information as described in the notice; you can still contact it at any time to limit its sharing.

Supporting quotations

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.

Qualifications & exceptions

• The 30-day period runs from the date the notice was sent.

Not stated here

• The notice does not say when a person stops being a customer of a travelers cheque product.
• The notice does not say how long sharing continues after a person is no longer a customer.

Account & Service Control · User right or choice

Additional choices to limit direct marketing; choices are per product or service

American Express provides additional privacy choices. To tell it you do not want your personal information used to communicate offers by mail, telephone and/or e-mail, you call 1-800-221-7282. Privacy elections made 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 e-mail: Call 1-800-221-7282

Qualifications & exceptions

• The choice covers use of personal information to communicate offers by mail, telephone and/or e-mail.
• Elections for one product or service may not carry over automatically to others.

Not stated here

• The box does not say whether the choice affects sharing for marketing purposes or only communications.

Account & Service Control · Procedure

Questions line and travelers cheque complaint contact

For questions, the notice gives 1-800-221-7282 and americanexpress.com/us/travel/travelers-cheques. For complaints related to an American Express travelers cheque product or the purchase of foreign currency, the Texas paragraph says the customer service division should be contacted at 1-800-221-7282.

Supporting quotations

Call 1-800-221-7282 or go to americanexpress.com/us/travel/travelers-cheques

For complaints related to an American Express travelers cheque product or the purchase of foreign currency, the customer service division should be contacted at 1-800-221-7282.

Qualifications & exceptions

• The complaint sentence is in the Texas paragraph.

Legal Rights & Agreement Rules · Context

Notice is provided by American Express Travel Related Services Company, Inc. and affiliates

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 entities are examples.

Not stated here

• The notice does not say which entity issues travelers cheques.

Security & Safeguards · Company practice

Uses security measures that comply with federal law

To protect personal information from unauthorized access and use, American Express says 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

• The measures "include" the examples given, so the list is not exhaustive.

Not stated here

• The notice does not describe the specific safeguards or standard.

Data Access & Collection · Company practice

Collects information from you in several ways and from credit bureaus, affiliates and other companies

American Express says it collects personal information, for example, when you open an account or pay your bills, give it your income information or contact information, or use your credit card. It also 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 ways of collecting are introduced by "for example", so they are not a complete list.

Not stated here

• The notice does not say which of these apply to travelers cheques, as opposed to credit cards.

Sharing & Disclosure · User right or choice

Federal law lets you limit only three kinds of sharing; state law may add rights

The notice explains why you cannot limit all sharing: federal law gives you the right to limit only sharing for affiliates' everyday business purposes of creditworthiness information, affiliates using your information to market to you, and sharing for nonaffiliates to market to you. State laws and individual companies may give additional rights to limit sharing, and the notice refers to the "Other important information" section below, which includes California and Vermont paragraphs.

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

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.

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

• The California and Vermont paragraphs apply to accounts with those billing addresses.

Not stated here

• The notice does not say what state-law rights apply beyond the California and Vermont paragraphs, or whether the state paragraphs reach travelers cheque purchasers without an American Express account.

Account & Service Control · User right or choice

Choices apply to everyone on a joint account

When 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

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

Your choices will apply to everyone on your account.

Not stated here

• The notice does not say whether this applies to travelers cheques or only to accounts.

Use & Processing · Permission or license

May transfer personal information 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 are introduced by "for example", so they are not a complete list.

Not stated here

• The notice does not name the countries, the recipients or any safeguards for the transfer.

Account & Service Control · User right or choice

AMEX Assurance Company customers may have a right to access and correct personal information

A paragraph addressed to AMEX Assurance Company customers says they may have the right to access and correct recorded personal information. It closes by saying state law may be more protective than federal law. The notice names AMEX Assurance Company among the affiliates providing the notice.

Supporting quotations

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

State law may be more protective than federal law.

AMEX Assurance Company

Qualifications & exceptions

• The right is stated as "may have", not as a guaranteed right.
• Applies to AMEX Assurance Company customers.

Not stated here

• The notice does not say who qualifies, how to exercise the right, or whether travelers cheque purchasers are AMEX Assurance Company customers.

Sharing & Disclosure · Permission or license

AMEX Assurance customers: information may be disclosed to detect fraud, verify coverage, and to regulators

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, law enforcement or other governmental authority pursuant to law, or to a group policyholder for purposes of 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 statement is made for AMEX Assurance Company customers and uses "may".
• Disclosure to governmental authorities is stated as "pursuant to law".

Not stated here

• The notice does not say how often these disclosures happen or whether they apply to travelers cheques.

Retention & Deletion · Company practice

Insurance-support organization may retain and disclose claim-activity information

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.

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

• Limited to information related to insurance claim activity obtained from the organization's report.
• Disclosure is stated as "as required by law".

Not stated here

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

Sharing & Disclosure · Restriction or exception

California billing address: no sharing except as California law permits

For an American Express account with a California billing address, the notice says American Express will not share personal information except to the extent permitted under California law. The notice also says state laws may give additional rights to limit sharing.

Supporting quotations

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 an American Express account with a California billing address.

Not stated here

• The notice does not say what California law permits or how this paragraph interacts with the Yes and No answers in the table.
• The notice does not say whether the paragraph reaches travelers cheque purchasers who have no American Express account.

Legal Rights & Agreement Rules · Context

Two American Express entities are Texas money services business license holders

The Texas paragraph 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

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.

Not stated here

• The notice does not say which licensed entity provides travelers cheques.

Account & Service Control · Procedure

Texas complaints go first to customer service, then to the Texas Department of Banking

For complaints about an American Express prepaid account, a customer should call customer service at 1-877-297-4438; for complaints about a travelers cheque product or the purchase of foreign currency, customer service at 1-800-221-7282. If the complaint remains unresolved after that, it should be directed to the Texas Department of Banking, Non-Depository Supervision, 2601 North Lamar Boulevard, Austin, Texas 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov, or consumer.complaints@dob.texas.gov.

Supporting quotations

If a customer has a complaint regarding an American Express prepaid account, they should contact the customer service division of American Express by calling 1-877-297-4438.

For complaints related to an American Express travelers cheque product or the purchase of foreign currency, the customer service division should be contacted at 1-800-221-7282.

If, after reaching out to our customer service division, the complaint remains unresolved, it should be directed to: Texas Department of Banking, Non-Depository Supervision, 2601 North Lamar Boulevard, Austin, Texas 78705-4294, 1-877-276-5554 (toll free), www.dob.texas.gov, or consumer.complaints@dob.texas.gov.

Qualifications & exceptions

• The Texas Department of Banking step applies only if the complaint remains unresolved after contacting customer service.

Not stated here

• The notice does not say whether the complaint path is limited to Texas customers.

Sharing & Disclosure · Restriction or exception

Vermont billing address: treated as a direction not to share creditworthiness information with affiliates

For an American Express account with 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. The definitions describe affiliates as companies related by common ownership or control.

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.

Companies related by common ownership or control.

Qualifications & exceptions

• Applies to an American Express account with a Vermont billing address.
• Limited to information about creditworthiness.

Not stated here

• The notice does not say whether the paragraph reaches travelers cheque purchasers who have no American Express account.

Cross-references

• qualifies (model-proposed): Shares creditworthiness information with affiliates; you can limit it — For accounts with a Vermont billing address, American Express treats the account as already directed not to share creditworthiness information with affiliates, which qualifies the table row that says it shares this information and you can limit it.