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 * My Account
   
   Card Account
   
    * Account Home
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    * Activate a new Card
    * Support 24/7
    * Download the Amex App
   
   Business Accounts
   
    * American Express @Work
    * Online Merchant Services
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    * International Money Transfers for Cardmembers
   
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    * Forgot your User ID or Password?
    * Security Centre
   
   
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    * View Dollar and Euro Cards
    * Credit Cards
    * Why American Express?
    * Invite friends. Get rewarded.
    * Add someone to your Account
   
   Business Cards
   
    * View All Business Cards
    * Compare Business Cards
    * Business Platinum Card
    * Business Gold Card
    * Why American Express for Your Business
    * Add an employee to your Account
   
   Corporate Solutions
   
    * View All Corporate Cards
    * Compare Corporate Cards
   
   Gift Cards
   
    * View Gift Cards
   
   
 * Travel
   
   Online Travel
   
    * Book Travel Online
    * Book Fine Hotels & Resorts
    * Book The Hotel Collection
    * Manage My Bookings
   
   Travel Resources
   
    * Destination Guides
    * The Travel Blog
    * View Travel Rewards Cards
   
   Business Travel
   
    * Global Business Travel Solutions
    * Corporate Foreign Exchange
    * Small Business Travel
   
   Travel Money
   
    * Foreign Exchange Services
    * Travellers Cheques
    * Using your Card abroad
   
   
 * Insurance
   
   All Insurance
   
    * Insurance Benefit Centre
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   Insure My Travels
   
    * Travel Insurance
   
   
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   Membership Rewards
   
    * Shop with your points
    * Travel with your points
    * Latest Membership Rewards offers
    * About the Membership Rewards programme
   
   Other Reward Programmes
   
    * Cashback Cards
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    * Marriott Bonvoy
    * Nectar Points
   
   Offers
   
    * Amex Offers
    * Invite friends. Get rewarded.
   
   Invites
   
    * Entertainment
   
   
 * Business
   
   Merchants
   
    * Merchant Home
    * Accept the Card
    * Manage Merchant Account
    * Contact Us and FAQs
    * Pay with Bank transfer
    * COVID-19 Resource Centre
   
   Business Cards
   
    * View All Business Cards
    * Business Platinum Card
    * Business Gold Card
    * Business Customer Centre
    * Business Trends and Insights
    * Why American Express for Your Business
   
   Corporate Solutions
   
    * View All Corporate Cards
    * View All Payment Solutions
    * International Payments for Business
    * Working Capital Solutions
    * Corporate Customer Centre
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    * Home
    * Issuers
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 1. Home
 2. Online Privacy Statement

American Express®  UK Online Privacy Statement

 * Important Links
    * Privacy Principles
    * About cookies
    * Set Cookie Preferences
    * Set E-mail Preferences
    * Online Privacy Statement
    * Binding Corporate Rules



Effective Date: February 2021

 

American Express® (American Express Services Europe Ltd., American Express
Payment Services Ltd and American Express Advanced Service Europe Ltd), is
committed to protecting your privacy.

 

In this Online Privacy Statement (“Statement”), we outline what information we
collect about you online, why we collect it and how we access, use, disclose,
and protect it. This Statement applies to information we collect online through:

 

 * services we operate such as our websites and mobile “apps”; and
 * services or content we offer on third party platforms, such as our electronic
   communications, social media pages, voice assistant apps, and digital ads

This statement also applies to all other services or content that link to or
reference this Statement.  

 

Here’s something to keep in mind

 

We may provide you with more details about how we use information about you,
depending on the product or service you use.  In this case, we’ll provide
additional Terms & Conditions, privacy statements, or notices. For example, your
Card Member Privacy Statement includes more specific details about how we use
information tied to your card. 

 

This Statement doesn’t apply to online services operated by American Express
that have their own online privacy statements.

Third-party services, such as social media sites, have terms that explain how
they handle information about you. Please take a moment to review the terms of
any other online services you use.

 

Our websites and apps are not intended for children. We don’t knowingly collect
information online from, or market online to, children under 13 years of age.

What’s in this Statement?

A. Information We Collect

B. Use of Information

C. Disclosure of Information

D. Aggregated anonymised information

E. Security

F. Your Rights

G. Your Choices

H. Contacting Us

I. Changes to This Statement


A. INFORMATION WE COLLECT

THE TYPE OF INFORMATION WE COLLECT DEPENDS ON THE PRODUCT OR SERVICE YOU USE. 
WE’LL ONLY COLLECT PERSONAL INFORMATION THAT IS REASONABLY NECESSARY FOR
LEGITIMATE BUSINESS PURPOSES.

IN SOME CASES, WE COLLECT INFORMATION IF YOU DIRECTLY PROVIDE IT TO US. FOR
EXAMPLE, WE MAY COLLECT PERSONAL INFORMATION SUCH AS YOUR NAME, ACCOUNT NUMBER,
DATE OF BIRTH, ADDRESS, PHONE NUMBER, AND/OR EMAIL ADDRESS. WHEN YOU INTERACT
ONLINE WITH AMERICAN EXPRESS, WE MAY ALSO PROCESS DIGITAL DATA AND OTHER
INFORMATION ORIGINATING FROM YOUR ONLINE BEHAVIOR, SUCH AS YOUR IP ADDRESS OR
WHETHER YOU HAVE PREVIOUSLY VISITED US ONLINE DURING THE APPLICATION PROCESS.

 

FOR INSTANCE, WE COLLECT PERSONAL INFORMATION WHEN YOU:

 * APPLY FOR AN AMERICAN EXPRESS PRODUCT OR SERVICE ONLINE;
 * ACCESS OUR ONLINE ACCOUNT SERVICES;
 * BOOK A FLIGHT THROUGH AMERICAN EXPRESS TRAVEL OR PURCHASE SOMETHING ON OUR
   WEBSITES;
 * ENROLL IN AN AMERICAN EXPRESS OFFER, PARTICIPATE IN A PROMOTION OR TAKE ONE
   OF OUR SURVEYS.

 

IF YOU APPLY FOR AN AMERICAN EXPRESS CARD ACCOUNT, WE MAY COLLECT MORE DETAILED
PERSONAL INFORMATION SUCH AS YOUR EMPLOYMENT DETAILS OR YOUR INCOME.

 

PLEASE NOTE THAT WE MAY ALSO COLLECT SPECIAL CATEGORIES OF PERSONAL INFORMATION
(SUCH AS INFORMATION REGARDING HEALTH OR BIOMETRIC DATA) IN SOME INSTANCES.
WE’LL USE THIS INFORMATION ONLY AS PERMITTED OR REQUIRED BY LAW, OR WHERE
PROVIDED BY YOU WITH YOUR EXPLICIT CONSENT.

 

COOKIES AND SIMILAR TECHNOLOGIES

WE ALSO COLLECT INFORMATION THROUGH COOKIES AND SIMILAR TECHNOLOGIES WHEN YOU
USE OUR ONLINE SERVICES OR ACCESS OUR CONTENT ONLINE. A COOKIE IS A SMALL DATA
FILE THAT A WEBSITE TRANSFERS TO YOUR COMPUTER.

 

WE PLACE COOKIES WHEN YOU VISIT OUR WEBSITE OR ANOTHER COMPANY’S WEBSITE WHERE
OUR ADS APPEAR OR WHEN YOU MAKE PURCHASES, REQUEST OR PERSONALISE INFORMATION,
OR REGISTER FOR CERTAIN SERVICES. IF YOU ACCEPT THE COOKIES USED ON OUR WEBSITE,
WEBSITES THAT ARE “POWERED BY” ANOTHER COMPANY ON OUR BEHALF, OR WEBSITES WHERE
OUR ADS APPEAR, YOU GIVE US ACCESS TO INFORMATION ABOUT YOUR INTERESTS. WE USE
THAT INFORMATION TO PERSONALISE YOUR EXPERIENCE.

 

SIMILAR TECHNOLOGIES INCLUDE CLEAR GIFS, WEB BEACONS, AND PIXEL TAGS, WHICH TEND
TO BE TRANSPARENT IMAGES ON WEBSITES. OUR COOKIES AND SIMILAR TECHNOLOGIES
COLLECT INFORMATION ABOUT YOUR DEVICE, OPERATING SYSTEM AND WEB BROWSER. THEY
ALSO COLLECT INFORMATION ABOUT YOUR USE OF THE DEVICE, AS DESCRIBED IN MORE
DETAIL BELOW.

 

MOST COOKIES AND SIMILAR TECHNOLOGIES WILL ONLY COLLECT DE-IDENTIFIED
INFORMATION SUCH AS HOW YOU ARRIVE AT OUR WEBSITE OR YOUR GENERAL LOCATION.
HOWEVER, CERTAIN COOKIES AND SIMILAR TECHNOLOGIES DO COLLECT PERSONAL
INFORMATION. FOR EXAMPLE, IF YOU CLICK “REMEMBER ME” WHEN YOU LOG IN TO OUR
WEBSITE, A COOKIE WILL STORE YOUR USERNAME.

 

COOKIES AND SIMILAR TECHNOLOGIES MAY COLLECT INFORMATION THAT INCLUDES: 

 * THE DEVICE(S) YOU USE (FOR EXAMPLE, THE OPERATING SYSTEM OR TYPE OF DEVICE
   YOU USE TO OPEN ELECTRONIC COMMUNICATIONS FROM AMERICAN EXPRESS);
 * INFORMATION RELATED TO YOUR IP ADDRESS, SUCH AS YOUR DOMAIN INFORMATION,
   INTERNET PROVIDER AND GENERAL GEOGRAPHIC LOCATION;
 * HOW YOU USE OUR WEBSITES AND APPS, SUCH AS WHAT YOU SEARCH FOR ON OUR
   WEBSITES AND APPS, THE PAGES YOU VIEW, HOW LONG YOU STAY AND HOW OFTEN YOU
   VISIT THEM;
 * HOW YOU SEARCH FOR OUR WEBSITES OR APPS, WHICH WEBSITE OR APP YOU CAME FROM,
   AND WHICH OF OUR BUSINESS OR COMMERCIAL PARTNERS’ WEBSITES YOU VISIT;
 * WHICH ADS OR ONLINE CONTENT FROM US AND OUR BUSINESS OR COMMERCIAL PARTNERS
   YOU VIEW, ACCESS OR CLICK ON;
 * WHETHER YOU OPEN OUR ELECTRONIC COMMUNICATIONS, WHICH SECTIONS YOU CLICK, OR
   HOW OFTEN YOU OPEN THEM

IF YOU USE YOUR MOBILE DEVICE TO ACCESS OUR PRODUCTS OR SERVICES, WE MAY COLLECT
INFORMATION RELATED TO THAT DEVICE, SUCH AS YOUR LOCATION TO PROVIDE
LOCATION-BASED CONTENT YOU REQUEST.

FOR MORE INFORMATION ABOUT COOKIES AND SIMILAR TECHNOLOGIES, PLEASE REFER TO OUR
POLICY “ABOUT COOKIES AND SIMILAR TECHNOLOGIES”.

 

OTHER SOURCES OF INFORMATION

WE MAY OBTAIN INFORMATION ABOUT YOU FROM OTHER SOURCES AND COMBINE IT WITH
INFORMATION WE COLLECT UNDER THIS STATEMENT.  FOR EXAMPLE, WE MAY OBTAIN
INFORMATION ABOUT OTHER AMERICAN EXPRESS PRODUCTS AND SERVICES YOU USE, IN
ACCORDANCE WITH THOSE PRIVACY NOTICES. IN ACCORDANCE WITH YOUR CARD MEMBER
PRIVACY STATEMENT, WE MAY COLLECT INFORMATION FROM YOUR PAPER APPLICATION FORM
AND YOUR CARD TRANSACTIONS. WE MAY ALSO OBTAIN INFORMATION FROM PUBLICLY
AVAILABLE RECORDS OR DATABASES OR THIRD-PARTY SOURCES, SUCH AS CREDIT BUREAUS OR
BUSINESS AND COMMERCIAL PARTNERS.



B. USE OF INFORMATION

WE USE INFORMATION ABOUT YOU EITHER ON ITS OWN OR COMBINED WITH OTHER
INFORMATION: (I) WHERE IT IS NECESSARY TO ADMINISTER OUR CONTRACTUAL
RELATIONSHIP WITH YOU; (II) FOR OUR OWN LEGITIMATE INTERESTS TO PROVIDE YOU WITH
BETTER PRODUCTS AND SERVICES (SUCH AS TO REDUCE FRAUD); (III) WHERE WE HAVE
OBTAINED YOUR CONSENT, SUCH AS FOR CERTAIN MARKETING PURPOSES; OR (IV) FOR
COMPLIANCE WITH LAWS. PLEASE NOTE THAT WE CONSIDER AND BALANCE ANY POTENTIAL
IMPACT ON YOU AND YOUR RIGHTS BEFORE PROCESSING YOUR PERSONAL INFORMATION FOR
OUR LEGITIMATE INTEREST.

 

(I)    MORE SPECIFICALLY, TO ADMINISTER OUR CONTRACTUAL RELATIONSHIP WITH YOU
AND DELIVER PRODUCTS AND SERVICES, INCLUDING, FOR INSTANCE, TO:

 * PROCESS YOUR APPLICATIONS;
 * PROCESS AND COMPLETE TRANSACTIONS;
 * MANAGE YOUR ACCOUNTS;
 * UPDATE YOU ABOUT NEW FEATURES AND BENEFITS;
 * PROVIDE LOCATION-BASED SERVICES YOU MAY REQUEST;
 * BETTER COMMUNICATE WITH YOU;
 * PROVIDE YOU WITH OPEN BANKING SERVICES (SEE THE OPEN BANKING SECTION FOR MORE
   INFORMATION).

(II)    FOR OUR LEGITIMATE INTERESTS OR FOR THE LEGITIMATE INTERESTS OF OTHERS,
WE MAY USE INFORMATION ABOUT YOU TO:

 * CONDUCT RESEARCH AND ANALYSIS TO BETTER UNDERSTAND OUR ONLINE VISITORS,
   CUSTOMERS AND OUR BUSINESS, INCLUDING TO:
   * REQUEST FEEDBACK OR REVIEWS ABOUT OUR PRODUCTS AND SERVICES AND THOSE OF
     OUR COMMERCIAL AND BUSINESS PARTNERS;
   * DETERMINE THE EFFECTIVENESS OF OUR ADVERTISING AND MARKETING CAMPAIGNS;
   * IMPROVE OUR WEBSITES OR APPS AND MAKE THEM EASIER TO USE;
   * PLACE YOU IN GROUPS WITH SIMILAR CUSTOMERS TO MAKE PREDICTIONS ABOUT YOU,
     DELIVER MORE PERSONALIZED SERVICES AND HELP DETERMINE WHETHER YOU MAY BE
     INTERESTED IN NEW PRODUCTS OR SERVICES
 * MANAGE OUR BUSINESS RISKS, SUCH AS FRAUD, CREDIT AND SECURITY RISKS,
   INCLUDING TO:
   * DETECT AND PREVENT FRAUD OR CRIMINAL ACTIVITY AND SAFEGUARD YOUR ACCOUNTS,
     INCLUDING BY USING THE LOCATION AND OTHER TECHNICAL ATTRIBUTES OF YOUR
     MOBILE DEVICE OR BROWSER;
   * REVIEW AND APPROVE INDIVIDUAL TRANSACTIONS YOU MAKE THROUGH DIGITAL
     CHANNELS;
   * DEVELOP AND REFINE OUR RISK MANAGEMENT POLICIES, MODELS AND PROCEDURES FOR
     APPLICATIONS AND CUSTOMER ACCOUNTS;
   * INFORM OUR COLLECTION PRACTICES AND SHARE INFORMATION WITH CREDIT REFERENCE
     AGENCIES AND FRAUD-MANAGEMENT AGENCIES (FOR MORE INFORMATION, SEE THE
     CREDIT REFERENCE AGENCY INFORMATION NOTICE).
 * ADVERTISE AND MARKET OUR PRODUCTS AND SERVICES AND THOSE OF OUR BUSINESS AND
   COMMERCIAL PARTNERS, INCLUDING TO PRESENT CONTENT THAT IS TAILORED TO YOUR
   INTERESTS, INCLUDING TARGETED ADVERTISING ACROSS MULTIPLE DEVICES (SEE THE
   DIGITAL ADVERTISING SECTION FOR MORE INFORMATION).

(III)   WITH YOUR CONSENT, TO:

 * PROMOTE OUR PRODUCTS AND SERVICES;
 * SEND YOU ADS, PROMOTIONS, AND OFFERS ABOUT PRODUCTS AND SERVICES FOR
   COMPANIES WITHIN THE AMERICAN EXPRESS GROUP AND THOSE OF OUR BUSINESS AND
   COMMERCIAL PARTNERS;
 * RECOGNISE YOU WHEN YOU RETURN TO OUR WEBSITES , RECEIVE OUR EMAILS, OR USE
   OUR APPS INCLUDING ACROSS MULTIPLE DEVICES (FOR EXAMPLE, TO SEND YOU TAILORED
   ADS, PROMOTIONS, OFFERS OR CONTENT, INCLUDING TARGETED ADVERTISING). PLEASE
   REFER TO THE “COOKIES AND SIMILAR TECHNOLOGIES” SECTION ABOVE FOR MORE
   INFORMATION.

(IV)  TO COMPLY WITH APPLICABLE LAWS AND REGULATION AROUND THE WORLD, WE MAY USE
INFORMATION ABOUT YOU:

 * TO ESTABLISH, EXERCISE, OR DEFEND LEGAL RIGHTS OR CLAIMS AND ASSIST IN
   DISPUTE RESOLUTION;
 * FOR REASONS OF SUBSTANTIAL PUBLIC INTEREST (INCLUDING FOR INSTANCE THE USE OF
   YOUR BIOMETRIC INFORMATION SUCH AS YOUR ID VOICE PRINT) FOR SECURITY
   VERIFICATION AND FRAUD PREVENTION PURPOSES;
 * AS REQUIRED OR PERMITTED BY LAW (SUCH AS PERFORMING DUE DILIGENCE ON YOU
   BEFORE APPROVING YOUR APPLICATION).

OPEN BANKING

WE MAY USE YOUR PERSONAL INFORMATION TO PROVIDE OUR OPEN BANKING SERVICES. THOSE
SERVICES INCLUDE:

 * PROVIDING YOU WITH CONSOLIDATED INFORMATION ON ONE ORMORE PAYMENT ACCOUNT(S)
   THAT YOU HOLD WITH ONE OR MORE BANK(S) OR PAYMENT INSTITUTION(S); OR
 * CONTACTING YOUR BANK TO PERFORM A CREDIT TRANSFER TO A MERCHANT, FOR EXAMPLE,
   WHEN YOU USE OUR PAY WITH BANK TRANSFER SERVICE (WHICH ALLOWS YOU, FOR
   INSTANCE, TO PAY FOR ANY PURCHASE MADE ON A PARTICIPATING WEBSITE DIRECTLY
   FROM YOUR BANK ACCOUNT, WITH YOUR MONEY BEING SENT DIRECTLY TO THE MERCHANT'S
   BANK ACCOUNT).

IN THIS CONTEXT, WE WILL PROCESS YOUR PERSONAL INFORMATION TO PROVIDE YOU WITH
THE REGULATED OPEN BANKING SERVICES OR AS OTHERWISE DESCRIBED IN THIS “USE OF
INFORMATION” SECTION.

 

AUTOMATED DECISION MAKING

WE MAY USE FULLY AUTOMATED PROCESSES TO HELP US MAKE CERTAIN DECISIONS,
INCLUDING TO EVALUATE CERTAIN ATTRIBUTES ABOUT YOU TO PROVIDE OUR SERVICES. FOR
EXAMPLE, WE MAY USE SUCH PROCESSES TO:

 * ASSESS SECURITY RISKS, DETECT AND MANAGE FRAUD;
 * PROCESS CARD APPLICATIONS;
 * ASSESS CREDIT RISKS, INCLUDING TO CHECK IF YOU MEET OUR ELIGIBILITY CRITERIA
   AND DECIDE WHETHER WE CAN ISSUE YOU A CARD.

THESE ASSESSMENTS ARE BASED ON INFORMATION THAT WE LAWFULLY OBTAIN, SUCH AS
INFORMATION THAT YOU PROVIDED IN YOUR APPLICATION FORM (INCLUDING YOUR REPORTED
INCOME), YOUR PAYMENT HISTORY WITH AMERICAN EXPRESS, AND INFORMATION WE OBTAIN
FROM THIRD PARTIES, SUCH AS CREDIT BUREAUS. WE ALSO LOOK AT DIGITAL DATA (SUCH
AS INFORMATION ABOUT YOUR DEVICE, BROWSER, OR PATTERNS IN YOUR ONLINE
INTERACTIONS WITH AMERICAN EXPRESS) TO HELP US DETECT FRAUD. THESE METHODS ARE
REGULARLY TESTED TO ENSURE THAT THEY REMAIN FAIR, EFFECTIVE AND UNBIASED.

SOME OF THOSE DECISIONS THAT ARE MADE SOLELY BY AUTOMATED MEANS HAVE LEGAL
EFFECTS OR SIMILAR EFFECTS. HOWEVER, WE WILL ONLY PERFORM SUCH PROCESSING IF
IT’S:

 * NECESSARY FOR ENTERING INTO OR PERFORMING A CONTRACT BETWEEN YOU AND AMERICAN
   EXPRESS;
 * AUTHORIZED BY A LAW TO WHICH AMERICAN EXPRESS IS SUBJECT AND WHICH ALSO LAYS
   DOWN SUITABLE MEASURES TO SAFEGUARD YOUR RIGHTS AND FREEDOMS AND LEGITIMATE
   INTERESTS;
 * BASED ON YOUR EXPLICIT CONSENT TO SUCH PROCESSING.

PLEASE SEE THE SECTION “YOUR RIGHTS” FOR MORE INFORMATION ABOUT YOUR RIGHTS
RELATED TO AUTOMATED DECISION MAKING.  

 

DIGITAL ADVERTISING

WE ADVERTISE THROUGH OUR WEBSITES AND APPS, AS WELL AS THIRD-PARTY PLATFORMS. WE
MAY USE INFORMATION ABOUT YOU TO DISPLAY ONLINE MARKETING CONTENT TAILORED TO
YOUR INTERESTS OR GENERAL GEOGRAPHIC LOCATION, ACROSS MULTIPLE DEVICES YOU USE.
HERE ARE SOME WAYS THIS WORKS.

 * WE ENGAGE IN TARGETED ADVERTISING, WHICH INVOLVES THE USE OF PERSONAL
   INFORMATION, YOUR EMAILADDRESS AND OTHER INFORMATION COLLECTED THROUGH
   COOKIES AND SIMILAR TECHNOLOGIES, REGARDING YOUR BROWSING BEHAVIOR OVER TIME
   AND ACROSS DIFFERENT WEBSITES.
 * WE ALSO USE INFORMATION ABOUT YOU TO PRESENT ADVERTISING CONTENT OR
   PARTICIPATE IN TARGETED ADVERTISING CAMPAIGNS ON SOCIAL MEDIA PLATFORMS. IF
   YOU FOLLOW OUR SOCIAL MEDIA PAGES OR “LIKE” OUR CONTENT ON THESE PLATFORMS,
   WE MAY USE INFORMATION ABOUT YOU TO IMPROVE WHAT AND HOW WE SERVE CONTENT TO
   YOU ON SOCIAL MEDIA.

 

KEEP IN MIND, WE DON’T OWN THESE WEBSITES AND APPS, AND WE ARE REQUIRED TO USE
INFORMATION ABOUT YOU ONLY IN WAYS THAT ARE CONSISTENT WITH THE PRIVACY POLICIES
AND TERMS & CONDITIONS OF THESE PLATFORMS.

YOU CAN CHOOSE HOW WE MARKET TO YOU, AS SPECIFIED IN THE “YOUR CHOICES” SECTION
BELOW.



C. DISCLOSURE OF INFORMATION

 

IN SOME CIRCUMSTANCES, WE MAY DISCLOSE INFORMATION ABOUT YOU, INCLUDING WITH:

 * SERVICE PROVIDERS, WHO PERFORM SERVICES FOR US, SUCH AS PRINTING, MAIL,
   ADVERTISING, MARKETING, ETC. WE REQUIRE ALL OF OUR SERVICE PROVIDERS TO
   PROTECT PERSONAL INFORMATION ACCORDING TO OUR STANDARDS AND USE IT ONLY FOR
   THE PURPOSES WE ALLOW; 
 * REGULATORY AUTHORITIES, COURTS, GOVERNMENTAL AGENCIES AND FRAUD PREVENTION
   AGENCIES, IN ORDER TO COMPLY WITH LEGAL OR REGULATORY REQUIREMENTS, ASSIST IN
   LEGAL OR REGULATORY INVESTIGATIONS, AND PROTECT THE RIGHTS OF AMERICAN
   EXPRESS OR OTHERS;
 * WITH CREDIT REFERENCE AGENCIES AND SIMILAR INSTITUTIONS TO REPORT OR INQUIRE
   ABOUT YOUR FINANCIAL CIRCUMSTANCES, AND TO REPORT OR COLLECT DEBTS YOU OWE;
 * COMPANIES OR OTHER LINES OF PRODUCTS AND SERVICES WITHIN THE AMERICAN EXPRESS
   GROUP; 
 * BUSINESS OR COMMERCIAL PARTNERS SUCH AS OTHER FINANCIAL INSTITUTIONS, LOYALTY
   PROGRAMS, TRAVEL PARTNERS, AND CERTAIN ADVERTISING PARTNERS WITH WHOM WE
   OFFER OR DEVELOP PRODUCTS AND SERVICES;
 * THIRD PARTIES FOR THE PROVISION OF OPEN BANKING AND RELATED SERVICES UPON
   YOUR REQUEST, FOR EXAMPLE WHERE YOU SEEK TO CONNECT YOUR ACCOUNT INFORMATION
   TO ANOTHER PLATFORM OR TO INITIATE PAYMENTS FROM OTHER ACCOUNTS;
 * NECESSARY PARTIES INVOLVED IN THE SALE OF ALL OR PART OF A COMPANY IN THE
   AMERICAN EXPRESS GROUP, OR ITS ASSETS;
 * OTHER RELEVANT THIRD PARTIES, AS REQUIRED OR PERMITTED BY LAW OR WITH YOUR
   CONSENT.

 

CROSS-BORDER TRANSFERS OF PERSONAL INFORMATION.
  

WHERE NECESSARY, WE’LL TRANSFER PERSONAL INFORMATION TO OTHER COUNTRIES WITH
DIFFERENT DATA PROTECTION LAWS TO PROVIDE YOU WITH OUR PRODUCTS OR SERVICES
(INCLUDING TO COUNTRIES OUTSIDE OF THE UNITED KINGDOM UNLESS IT’S RESTRICTED BY
APPLICABLE LAW, SUCH AS TO THE UNITED STATES (WHERE OUR MAIN OPERATIONAL DATA
CENTRES ARE LOCATED). KEEP IN MIND, NO MATTER WHERE WE PROCESS PERSONAL
INFORMATION ABOUT YOU, WE’LL ALWAYS PROTECT IT IN THE MANNER DESCRIBED IN OUR
PRIVACY NOTICES AND IN ACCORDANCE WITH APPLICABLE LAWS.  FOR EXAMPLE, WHEN WE
SHARE PERSONAL INFORMATION WITH OTHER COMPANIES WITHIN THE AMERICAN EXPRESS
GROUP THAT ARE OUTSIDE THE UNITED KINGDOM, WE ENSURE AN ADEQUATE LEVEL OF
PROTECTION THOUGH OUR BINDING CORPORATE RULES. WHEN WE SHARE PERSONAL
INFORMATION WITH THIRD PARTIES OUTSIDE THE UNITED KINGDOM, WE INCLUDE
APPROPRIATE CONTRACTUAL PROTECTIONS IN THOSE AGREEMENTS. IN ADDITION, WE ASSESS
WHETHER OTHER TECHNICAL AND ORGANIZATIONAL MEASURES ARE REQUIRED FOR THOSE
TRANSFERS. 



D. AGGREGATED AND ANONYMIZED INFORMATION

WE SOMETIMES PROCESS PERSONAL INFORMATION SO THAT IT NO LONGER IDENTIFIES ANY
INDIVIDUAL. ONCE PROCESSED, THIS IS REFERRED TO AS AGGREGATED AND ANONYMIZED
INFORMATION. WE USE AGGREGATED AND ANONYMIZED INFORMATION TO:

 

 * ANALYZE PATTERNS AMONG GROUPS OF PEOPLE, SUCH AS CARD MEMBERS AND ONLINE
   USERS;
 * CREATE BUSINESS INSIGHTS OR STATISTICAL RESEARCH REPORTS;
 * IMPROVE OUR ADVERTISING AND OUR BUSINESS. 

WE SOMETIMES SHARE AGGREGATED AND ANONYMIZED INFORMATION WITH THIRD PARTIES, FOR
MANY OF THE SAME REASONS MENTIONED ABOVE. 



E. SECURITY

WE USE ADMINISTRATIVE, ORGANIZATIONAL, TECHNICAL AND PHYSICAL SECURITY MEASURES
TO PROTECT THE CONFIDENTIALITY, INTEGRITY, AND AVAILABILITY OF PERSONAL
INFORMATION. HERE’S WHAT YOU SHOULD KNOW:

 * THESE MEASURES INCLUDE TECHNOLOGICAL SAFEGUARDS AND APPROPRIATE ACCESS
   CONTROLS TO DATA AND FACILITIES;
 * WE REQUIRE SERVICE PROVIDERS TO SAFEGUARD PERSONAL INFORMATION AND ONLY USE
   IT FOR THE PURPOSES WE SPECIFY;
 * WE TAKE REASONABLE STEPS TO SECURELY DESTROY OR DE-IDENTIFY PERSONAL
   INFORMATION WHEN WE NO LONGER NEED IT;

WE KEEP PERSONAL INFORMATION FOR ONLY AS LONG AS NECESSARY TO PROVIDE YOU WITH
PRODUCTS OR SERVICES - UNLESS WE’RE REQUIRED OR PERMITTED TO KEEP IT FOR LONGER
BY LAW, REGULATION, OR FOR LITIGATION OR REGULATORY INVESTIGATIONS.



F. YOUR RIGHTS

 

IN CERTAIN INSTANCES, YOU HAVE THE RIGHT TO ACCESS, UPDATE, RESTRICT, OBJECT TO,
AND ERASE YOUR PERSONAL INFORMATION. YOU ARE ALSO ENTITLED TO EXERCISE YOUR
RIGHT TO DATA PORTABILITY AND/OR TO REMOVE YOUR CONSENT. SUCH RIGHTS INCLUDE:

 

 * REQUESTING DETAILS ON THE PERSONAL INFORMATION WE HAVE ABOUT YOU;
 * RESTRICTING AND/OR OBJECTING TO THE USE OF PERSONAL INFORMATION;
 * REQUESTING A MANUAL REVIEW OF CERTAIN AUTOMATED PROCESSING ACTIVITIES THAT
   MAY IMPACT YOUR LEGAL OR CONTRACTUAL RIGHTS OR THAT MAY HAVE A SIMILARLY
   LEGAL EFFECT;
 * RECEIVING YOUR PERSONAL INFORMATION IN A STRUCTURED, COMMONLY USED AND
   MACHINE-READABLE FORMAT AND/OR TRANSMIT SUCH DATA TO ANOTHER DATA CONTROLLER;
 * WITHDRAWING THE CONSENT YOU HAVE GIVEN FOR THE PROCESSING OF PERSONAL
   INFORMATION AT ANY TIME.

 

IF YOU WANT TO EXERCISE ANY OF YOUR RIGHTS CLICK HERE

 

IF YOU HAVE ANY QUESTIONS ABOUT HOW WE PROCESS YOUR PERSONAL INFORMATION, PLEASE
CONTACT US


 

IF WE RECEIVE A COMPLAINT FROM YOU, WE’LL DO OUR BEST TO RESOLVE IT AS SOON AS
POSSIBLE AND NO LATER THAN 30 DAYS. IF WE CAN’T MEET THAT DEADLINE, WE’LL SEND
YOU A LETTER EXPLAINING THE CAUSE OF THE DELAY AND PROVIDING AN EXPECTED TIME
FOR THE RESPONSE. PLEASE NOTE THAT YOUR REQUEST WILL BE FREE OF CHARGE, EXCEPT
IF IT INCURS ADDITIONAL COST TO OUR COMPANY, IN WHICH CASE YOU MAY BE CHARGED
THE TARIFF FEE DETERMINED BY THE DATA PROTECTION AUTHORITY.

 

YOU CAN ALSO CONTACT THE UNITED KINGDOM DATA PROTECTION AUTHORITY DIRECTLY. FOR
FURTHER DETAILS, PLEASE VISIT THE INFORMATION COMMISSIONER OFFICE’S WEBSITE. YOU
ALSO HAVE THE OPTION TO TAKE YOUR CASE TO THE COURT WHERE YOU LIVE, WORK OR
WHERE THERE MAY HAVE BEEN AN INFRINGEMENT. 



G. YOUR CHOICES

YOU HAVE THE POWER TO MAKE CHOICES ABOUT HOW AMERICAN EXPRESS COLLECTS AND USES
INFORMATION ABOUT YOU FOR MARKETING AND ADVERTISING PURPOSES.  WE WORK WITH A
RANGE OF ADVERTISING PARTNERS INCLUDING AD NETWORKS, AD SERVERS, AND SOCIAL
MEDIA PLATFORMS TO PRESENT OUR ADS ONLINE. YOUR CHOICES MAY VARY DEPENDING ON
WHETHER WE’RE SERVING YOU ADS THROUGH WEBSITES, EMAIL, APPS OR SOCIAL MEDIA.  

 

CHOICES ABOUT THE INFORMATION WE COLLECT

 * IF YOU DON’T WANT US TO COLLECT INFORMATION ABOUT YOU THROUGH COOKIES FOR
   MARKETING AND ADVERTISING PURPOSES, YOU CAN OPT-OUT OF COOKIES IN THE BANNER
   THAT APPEARS THE FIRST TIME YOU VISIT OUR SITE BY CLICKING ON “SET COOKIE
   PREFERENCES” OR THROUGH YOUR BROWSER SETTINGS AS EXPLAINED IN THE POLICY
   “ABOUT COOKIES AND SIMILAR TECHNOLOGIES”.
 * IF YOU DELETE COOKIES, BUY A NEW DEVICE, ACCESS WEBSITES FROM A DIFFERENT
   DEVICE, OR CHANGE BROWSERS, YOU’LL NEED TO OPT-OUT AGAIN.
 * IF YOU OPT OUT OF COOKIES, WE’LL STILL SHOW YOU ADVERTISING RELATED TO OUR
   PRODUCTS OR SERVICES, BUT IT WON’T BE BASED ON INFORMATION ABOUT YOU.

 * YOU CAN ADJUST HOW WE COLLECT INFORMATION ABOUT YOU THROUGH YOUR MOBILE
   DEVICE SETTINGS - FOR EXAMPLE – YOU CAN TURN OFF LOCATION-BASED SERVICES AND
   DEVICE AD TRACKING.

 

CHOICES ABOUT MARKETING COMMUNICATIONS

 * IF YOU DON’T WANT TO RECEIVE DIRECT MARKETING COMMUNICATIONS FROM US, YOU CAN
   OPT OUT THROUGH:

-         EMAIL: CLICK UNSUBSCRIBE ON THE BOTTOM OF AN E-MAIL AND FOLLOW THE
INSTRUCTIONS OR GO TO HTTPS://GLOBAL.AMERICANEXPRESS.COM/PRIVACY/UK/#/IPP

-         YOUR ACCOUNT ONLINE: LOG IN TO YOUR ACCOUNT AND CLICK ON ACCOUNT
MANAGEMENT / ALERTS AND PREFERENCES / MANAGE YOUR PREFERENCES.

-         PHONE: REGISTER FOR THE NATIONAL DO NOT CALL LIST AT
HTTPS://WWW.TPSONLINE.ORG.UK/TPS/NUMBER_TYPE.HTML

 

KEEP IN MIND, EVEN IF YOU OPT OUT OF DIRECT MARKETING, WE’LL STILL COMMUNICATE
WITH YOU IN ORDER TO SERVICE YOUR ACCOUNT, FULFILL YOUR REQUESTS, OR ADMINISTER
ANY PROMOTION OR PROGRAM YOU’VE OPTED TO BE PART OF. THESE COMMUNICATIONS, WHICH
ARE NECESSARY FOR US TO INFORM YOU ABOUT THE SERVICE YOU EXPECT TO RECEIVE FROM
US, ARE NOT CONSIDERED AS DIRECT MARKETING BUT ARE RATHER QUALIFIED AS SERVICE
MESSAGE. FOR EXAMPLE, THEY CAN BE USED TO INFORM YOU OF A BENEFIT ON YOUR
ACCOUNT.

 

 

HOW TO ACCESS YOUR CUSTOMER CHOICES

 

IF YOU ARE A CUSTOMER, YOU CAN MAKE CHOICES ABOUT HOW WE COMMUNICATE WITH YOU. 
TO UPDATE YOUR COMMUNICATION PREFERENCES, YOU CAN:

 * LOG INTO YOUR ACCOUNT AND CLICK ON ACCOUNT MANAGEMENT> ALERTS AND
   PREFERENCES> MANAGE YOUR PREFERENCES TO UPDATE YOUR MARKETING AND DATA
   SHARING CHOICES.
 * CALL 0800 917 8054 OR THE NUMBER ON THE BACK OF YOUR CARD

 

PREPAID PRODUCTS

 * CALL 0203 564 7016 OR FIND MORE INFORMATION HERE. 

 

MERCHANTS

 * LOGIN TO YOUR ACCOUNT AT AMERICANEXPRESS.COM/MERCHANT AND VISIT YOUR SETTINGS
   TO UPDATE YOUR MARKETING COMMUNICATIONS PREFERENCES.
 * CALL 0800 032 7216 OR VISIT OUR CONTACT PAGE HERE. 


H. CONTACTING US

IF YOU HAVE ANY QUESTIONS ABOUT THIS STATEMENT, FEEL FREE TO GET IN TOUCH AT THE
NUMBER ON THE BACK OF YOUR CARD OR VISIT THE “CONTACT US” PAGE ON OUR WEBSITE.
YOU MAY ALSO CONTACT OUR DPO AT AMEXUKDPO@AEXP.COM

 

IF YOU ARE A CUSTOMER, YOU CAN UPDATE PERSONAL INFORMATION BY LOGGING INTO YOUR
ACCOUNT ONLINE OR IN YOUR AMEX® APP ANYTIME. WE’RE HERE FOR YOU 24/7.

 


I. CHANGES TO THIS STATEMENT

WE MAY CHANGE THIS STATEMENT WHEN NECESSARY. DEPENDING ON WHAT WE CHANGE, WE MAY
LET YOU KNOW IN ADVANCE. WHENEVER WE MAKE ANY CHANGES, WE’LL UPDATE THE
“EFFECTIVE DATE” AT THE TOP OF THIS PAGE. ANY CHANGES TO THIS STATEMENT WILL
BECOME EFFECTIVE IMMEDIATELY WHEN POSTED. WHEN YOU CONTINUE TO USE OUR PRODUCTS
AND SERVICES FOLLOWING AN UPDATE, IT WILL INDICATE THAT YOU ACCEPT THE REVISED
STATEMENT.


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 * Important LinksImportant Links
    * Form & Document Centre
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    * Moving Abroad?
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 * Company InformationCompany Information
    * About American Express
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    * Contact Us
    * UK Inclusion & Diversity
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