American Express® Gold Card Agreement

Data Access & Collection · Company practice

Calls between you and American Express may be monitored and recorded

American Express may monitor and record any calls between you and it.

Supporting quotations

We may monitor and record any calls between you and us.

Qualifications & exceptions

• Covers any calls between you and American Express.

Not stated here

• The text does not say how recordings are used or how long they are kept.

Data Access & Collection · Permission or license

You agree American Express will obtain credit reports and other information and may use it for any purpose

You agree that American Express will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources, including information to verify and re-verify your employment and income. You also agree that it will use such information for any purposes (for example, marketing to you or evaluating you for a new Account), subject to applicable law.

Supporting quotations

You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources including information to verify and re-verify your employment and income.

And you agree that we will use such information for any purposes (for example, marketing to you or evaluating you for a new Account), subject to applicable law.

Qualifications & exceptions

• Use of the information is "subject to applicable law".
• The examples of purposes are introduced by "for example".

Not stated here

• The text does not name the "other sources" of information.

Data Access & Collection · Company practice

Federal agency charges: charge information is collected for routine uses, including aggregated marketing use

Some federal agencies may accept the Card under authority of statute. When you make charges at those agencies, American Express collects certain charge information. That information may be put to routine uses such as processing, billing and collections, and may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register.

Supporting quotations

Privacy Act of 1974: Some federal agencies may accept the Card under authority of statute. When you make charges at these agencies, we collect certain charge information. That information may be put to routine uses such as processing, billing, and collections. It may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register.

Qualifications & exceptions

• Applies to charges made at federal agencies that accept the Card.
• Described as "routine uses", with aggregated use for reporting, analysis and marketing.

Not stated here

• The text does not list the "certain charge information" collected or the other routine uses by agencies, which it says may be in the Federal Register.