American Express® Gold Card Agreement

American Express · Official agreement

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3 of 111 cards in Sharing & Disclosure

Sharing & Disclosure · User right or choice

American Express may (but need not) tell merchants storing your card about number, expiry or account status changes

You may arrange for certain merchants and third parties to store your Card number and expiration date, for example so a merchant can charge your Account at regular intervals. American Express may (but is not required to) tell these merchants and third parties if your expiration date or Card number changes or if your Account status is updated, including if the Account is cancelled. If you do not want American Express to share your updated Account information, you can contact it using the number on the back of the Card.

Details
What it does
Tell merchants and third parties about changes to card number, expiration date or Account status
Who
You may opt out by contacting American Express

Supporting quotations

You may arrange for certain merchants and third parties to store your Card number and expiration date
We may (but are not required to) tell these merchants and third parties if your expiration date or Card number changes or if your Account status is updated, including if your Account is cancelled.
If you do not want us to share your updated Account information, please contact us using the number on the back of your Card.

Qualifications & exceptions

  • Sharing is permitted, not required.
  • The choice to stop sharing is made by contacting American Express.

Not stated here

  • The text does not say which merchants and third parties are told or what updated information is shared beyond the card number, expiration date and account status.

Sharing & Disclosure · Company practice

American Express reports Account information to credit bureaus, including non-compliance; report errors by writing

You agree that American Express will give information about the Account to credit reporting agencies, and it will tell a credit reporting agency if you fail to comply with the agreement, which may have a negative impact on your credit report. If you believe information given to a credit reporting agency is incorrect, you can write to American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537, and tell it the specific information you believe is incorrect.

Details
What it does
Give Account information to credit reporting agencies and report non-compliance
What it does
Write to the Credit Bureau Unit with the specific information believed incorrect

Supporting quotations

You agree that we will give information about the Account to credit reporting agencies. We will tell a credit reporting agency if you fail to comply with the terms of this Agreement. This may have a negative impact on your credit report.
If you believe information we have given to a credit reporting agency is incorrect, write to us at: American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the specific information you believe is incorrect.

Qualifications & exceptions

  • Correction requests are made in writing and must identify the specific information believed incorrect.
Also annotated in the same passage (3)

Sharing & Disclosure · Company practice

Affiliates may market insurance and other products to you for compensation, and information about you may be shared

American Express or its affiliates may tell you about insurance and non-insurance products, services or features that may have a fee (the sentence is split across two text blocks in the stored text). One of its affiliates may act on behalf of a provider of these products and may be compensated for this. The insurance products are not offered or sold by American Express or on its behalf. Affiliates may get additional compensation when AMEX Assurance Company or another affiliate is the insurer or reinsurer, and compensation may influence what products and providers American Express or its affiliates tell you about. American Express may share information about you with affiliates so they can identify products that may interest you, and may be compensated for this information. Elsewhere you agree American Express may use credit and other information about you for any purposes, such as marketing to you, subject to applicable law.

Details
What it does
Share information about you with affiliates so they can identify products that may interest you
Why
Marketing insurance and non-insurance products; American Express and affiliates may be compensated

Supporting quotations

Insurance products: We or our affiliates may tell you about insurance and non-insurance products, services or features that may have a
fee. One of our affiliates may act on behalf of a provider of these products. The affiliate may be compensated for this. The insurance products are not offered or sold by us or on our behalf.
Our affiliates may get additional compensation when AMEX Assurance Company or another affiliate is the insurer or reinsurer. Compensation may influence what products and providers we or our affiliates tell you about.
We may share information about you with our affiliates so they can identify products that may interest you. We may be compensated for this information.
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

  • Sharing with affiliates is stated as something American Express "may" do.
  • Compensation to American Express and affiliates may influence which products and providers are mentioned.

Not stated here

  • The text does not identify the affiliates or the specific information shared with them, and does not give a way to decline the sharing described here.
Also annotated in the same passage (4)