MyCredit Guide

Sharing & Disclosure · Context

How the sharing list is organized

The notice explains that all financial companies need to share customers' personal information to run their everyday business. It then lists, in rows, the reasons financial companies can share, whether American Express shares for each reason, and whether you can limit that sharing. The column headings are "Reasons we can share personal information", "Does American Express share?" and "Can you limit this sharing?".

Details not recorded for this card

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 of the sharing list is read as reason, then "Does American Express share?", then "Can you limit this sharing?". The saved text keeps each row on one line separated by vertical bars.

Not stated here

• The saved text shows rows as bar-separated lines; the original page layout is not otherwise visible.

Sharing & Disclosure · Company practice

Sharing for everyday business purposes: yes, cannot limit

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, American Express shares personal information. The "Can you limit this sharing?" column says No.

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 after "such as" are illustrative, not an exhaustive list of everyday business purposes.
• Row reading: share = Yes; can you limit = No.

Not stated here

• The source does not say with whom the information is shared for these purposes.

Sharing & Disclosure · Company practice

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

For its own marketing purposes, to offer its products and services to you, American Express shares personal information. The "Can you limit this sharing?" column says No, followed by a pointer 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

• Row reading: share = Yes; can you limit = No, with a pointer to additional choices for direct marketing communications.
• The additional choices described in the referenced box concern email and direct mail communications about offers; see the direct marketing choices card.

Not stated here

• The source does not say with whom the information is shared for American Express's own marketing.

Cross-references

• qualified by (model-proposed): Choices to limit direct marketing by email or mail — The marketing row says No in the limit column but points to the "To limit direct marketing" box, which describes email and direct mail choices.

Sharing & Disclosure · Company practice

Sharing for joint marketing with other financial companies: yes, cannot limit

For joint marketing with other financial companies, American Express shares personal information. The "Can you limit this sharing?" column says No.

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Supporting quotations

For joint marketing with other financial companies | Yes | No

Qualifications & exceptions

• Row reading: share = Yes; can you limit = No.
• "Joint marketing" is defined in the Definitions section; see the joint marketing definition card.

Not stated here

• The source does not name the partner financial companies.

Cross-references

• defined by (model-proposed): Definition: Joint marketing — The Definitions section explains "joint marketing", the term used in the joint marketing row.

Sharing & Disclosure · Company practice

Affiliates' everyday business purposes (transactions and experiences): yes, cannot limit

For its affiliates' everyday business purposes involving information about your transactions and experiences, American Express shares personal information. The "Can you limit this sharing?" column says No.

Details not recorded for this card

Supporting quotations

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

Qualifications & exceptions

• Row reading: share = Yes; can you limit = No. The row is limited to information about your transactions and experiences.
• "Affiliates" is defined in the Definitions section; see the affiliates definition card.

Not stated here

• The source does not describe what the affiliates' everyday business purposes are.

Cross-references

• defined by (model-proposed): Definition: Affiliates — The Definitions section explains "affiliates", the term used in the affiliates' everyday business purposes row.

Sharing & Disclosure · Company commitment

Affiliates' everyday business purposes (creditworthiness): no

For its affiliates' everyday business purposes involving information about your creditworthiness, American Express says it does not share. The "Can you limit this sharing?" column says "We don’t share".

Details not recorded for this card

Supporting quotations

For our affiliates' everyday business purposes – information about your creditworthiness | No | We don’t share

Qualifications & exceptions

• Row reading: share = No; can you limit = We don’t share. The row is limited to information about your creditworthiness.
• The Vermont paragraph near the end separately says Vermont-billing-address accounts are automatically treated as if you had told American Express not to share creditworthiness information with its Affiliates; see the Vermont card.

Not stated here

• The source does not define "creditworthiness" beyond the row wording.

Cross-references

• referred to by (model-proposed): Vermont billing address: no sharing of creditworthiness information with Affiliates — The Vermont paragraph addresses sharing of creditworthiness information with Affiliates, the subject of the affiliates' creditworthiness row, which already says No.

Sharing & Disclosure · Company commitment

Affiliates marketing to you: no

American Express says it does not share personal information for its affiliates to market to you. The "Can you limit this sharing?" column says "We don’t share".

Details not recorded for this card

Supporting quotations

For our affiliates to market to you | No | We don’t share

Qualifications & exceptions

• Row reading: share = No; can you limit = We don’t share.

Not stated here

• The source does not say whether affiliates may market to you using information they obtain in other ways.

Sharing & Disclosure · Company commitment

Nonaffiliates marketing to you: no personal information shared

American Express says it does not share for nonaffiliates to market to you, with a parenthetical that it may share aggregated or de-identified data. The "Can you limit this sharing?" column says "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

• Row reading: share = No, qualified by "although we may share aggregated or de-identified data"; can you limit = "We don't share personal information".
• The Definitions section lists service providers, including direct marketers, among the nonaffiliates with which American Express shares personal information; see the nonaffiliates definition card.

Not stated here

• The source does not define "aggregated" or "de-identified" data or say who receives it.
• The source does not say how sharing with service providers that are direct marketers relates to this "No" row; the row concerns nonaffiliates marketing to you.

Cross-references

• contrast (model-proposed): Definition: Nonaffiliates — The nonaffiliates marketing row says No and "We don't share personal information", while the Definitions section says nonaffiliates with which American Express shares personal information include service providers such as direct marketers acting on its behalf. The two statements concern different activities (nonaffiliates marketing to you versus service providers acting on American Express's behalf), but the notice does not say how they fit together.

Sharing & Disclosure · Context

Definition: Nonaffiliates

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 is with service providers performing services or functions on American Express's behalf.
• "include" and "for example" mean the examples are not exhaustive.

Not stated here

• The source does not say which row of the sharing list covers sharing with these service providers.

Cross-references

• contrast (model-proposed): Nonaffiliates marketing to you: no personal information shared — The nonaffiliates marketing row says No and "We don't share personal information", while the Definitions section says nonaffiliates with which American Express shares personal information include service providers such as direct marketers acting on its behalf. The two statements concern different activities (nonaffiliates marketing to you versus service providers acting on American Express's behalf), but the notice does not say how they fit together.

Sharing & Disclosure · Context

Definition: Joint marketing

The notice defines joint marketing as a formal agreement between nonaffiliated companies that together market financial products or services to you. It says American Express's joint marketing partners include financial companies.

Details not recorded for this card

Supporting quotations

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 financial companies are an example, not stated to be the only kind of partner.

Not stated here

• The source does not name the partners.

Cross-references

• defines (model-proposed): Sharing for joint marketing with other financial companies: yes, cannot limit — The Definitions section explains "joint marketing", the term used in the joint marketing row.

Sharing & Disclosure · Permission or license

AMEX Assurance Company customers: permitted disclosures of personal information

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 sentence follows the "AMEX Assurance Company customers." lead-in in the same paragraph; the saved text does not mark where that audience statement ends.
• "may be disclosed" states a permission.
• Disclosure to authorities is stated as "pursuant to law".

Not stated here

• The source does not say whether this sentence is limited to AMEX Assurance Company customers or applies more widely.
• The source does not describe the information disclosed in each case or how it relates to the sharing list near the start of the notice.

Sharing & Disclosure · Company commitment

California billing address: sharing limited to 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

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 statement applies to accounts with a California billing address.
• The limit is expressed by reference to what California law permits; the content of that law is not in the source.

Not stated here

• The source does not say how this commitment changes the Yes answers in the sharing list for California-billing-address accounts, or what California law permits.

Sharing & Disclosure · Company commitment

Vermont billing address: no sharing of creditworthiness information with Affiliates

If your American Express account has a Vermont billing address, the notice says American Express will automatically treat your account as if you have 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.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Qualifications & exceptions

• The statement applies to accounts with a Vermont billing address.
• The treatment is automatic: it is described as if you had directed American Express not to share, so no action by you is described.
• The sharing list near the start of the notice already says American Express does not share creditworthiness information for its affiliates' everyday business purposes.

Not stated here

• The source does not say whether the Vermont paragraph adds anything beyond the sharing list's "No" for creditworthiness.

Cross-references

• refers to (model-proposed): Affiliates' everyday business purposes (creditworthiness): no — The Vermont paragraph addresses sharing of creditworthiness information with Affiliates, the subject of the affiliates' creditworthiness row, which already says No.