The notice carries a revision label, not an effective date
The notice is labelled "Rev. 11/2023". The saved text states no effective date, no date of last update beyond this label, and no date on which any listed practice began or ends.
Details not recorded for this card
Supporting quotations
Rev. 11/2023
Qualifications & exceptions
The label appears as the first line of the saved text, before the "FACTS" heading.
Not stated here
The source does not say what "Rev." means beyond its position as a revision label, nor whether a later version exists.
Legal Rights & Agreement Rules · Context
Why the notice exists: federal law, sharing and limits
The notice opens by saying that 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 you how it collects, shares and protects personal information. It asks you to read the notice carefully.
Details
Who
American Express ("us")
Why
Tell consumers how personal information is collected, shared and protected
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
This is the "Why?" row of the opening box under the heading "WHAT DOES AMERICAN EXPRESS DO WITH YOUR PERSONAL INFORMATION?".
Not stated here
The notice says "Federal law" without naming the statute or regulation.
Legal Rights & Agreement Rules · Context
Who is providing this 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.
Details
Who
American Express Travel Related Services Company, Inc.; American Express National Bank; AMEX Assurance Company; other American Express Affiliates providing financial products or services
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
The statement is limited to Affiliates that provide financial products or services.
Not stated here
The source does not list every American Express Affiliate covered by the notice.
Legal Rights & Agreement Rules · User right or choice
What federal law lets you limit, and other possible rights
The notice says federal law gives you the right to limit only three kinds of sharing: sharing for affiliates' everyday business purposes involving 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 to a later part for rights under state law.
Details
What it covers
Sharing for affiliates' everyday business purposes (creditworthiness); affiliates marketing to you; nonaffiliates marketing to you
Condition
Federal law gives the right to limit only these; state laws and individual companies may give additional rights
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.
Qualifications & exceptions
This answers why you cannot limit all sharing: the three federal rights listed are the only ones stated here.
The state-law material referred to by "See below" appears at the end of the notice and is analyzed separately: AMEX Assurance Company customers, California and Vermont.
Not stated here
The source does not say which additional rights individual companies give, beyond the direct marketing choices described elsewhere in the notice.
Cross-references
refers to (model-proposed): State law may be more protective than federal law — The federal-rights row points "below" for rights under state law; the state-law paragraph near the end carries the state-specific statements.
Legal Rights & Agreement Rules · Context
Definition: Affiliates
The notice defines affiliates as companies related by common ownership or control, which can be financial and nonfinancial companies. It says 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. 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.
Details
What it covers
Companies related by common ownership or control, financial and nonfinancial
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
The definition covers both financial and nonfinancial companies.
Not stated here
The source does not list the affiliates other than the examples named.
Legal Rights & Agreement Rules · 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.
Details
Who
AMEX Assurance Company customers
What it does
May have the right to access and correct recorded personal information
Supporting quotations
AMEX Assurance Company customers. You may have the right to access and correct recorded personal information.
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
The statement is addressed to AMEX Assurance Company customers.
AMEX Assurance Company is named earlier among the entities providing the notice.
"may have" states a possible right, not a confirmed one.
Not stated here
The source does not say how to request access or correction, what records are covered, or what determines whether the right exists.
The notice says state law may be more protective than federal law. It follows the AMEX Assurance Company customer sentences in the same paragraph and leads into the California sentence.
Details not recorded for this card
Supporting quotations
State law may be more protective than federal law.
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Qualifications & exceptions
"may" is a possibility, not a statement that any particular state law is more protective.
An earlier row says state laws and individual companies may give additional rights to limit sharing and points "below" for rights under state law; the saved text does not mark which later paragraphs the pointer refers to.
Not stated here
The source does not say whether this sentence refers to the AMEX Assurance Company customer sentences, the California sentence, or the notice generally, and does not name any state law.
Cross-references
referred to by (model-proposed): What federal law lets you limit, and other possible rights — The federal-rights row points "below" for rights under state law; the state-law paragraph near the end carries the state-specific statements.