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 * My AccountMy Account
   
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 * My Account
    * Personal Accounts
       * Account Summary
       * View Statement
       * Manage Account
       * Make a Payment
       * Manage Pre-Authorized Payment
       * Add Someone to Your Account
   
    * Business Accounts
       * Business Account Summary
       * American Express @Work
       * Merchant Services
   
    * Online Services
       * Register for Online Services
       * Activate Your Card
       * American Express App
       * Manage Account Alerts
       * Sign Up for Email Offers
       * Online-Only Statements
   
    * Help & Support
       * Forgot User ID or Password?
       * Support 24/7
       * Welcome Centre
       * Ways to Pay
       * Security Centre
       * Online Service Tutorials and FAQs

 * Cards
    * Personal Cards
       * View All Cards
       * Travel Cards
       * No Annual Fee Cards
       * Cash Back Credit Cards
       * Co-Brand Cards
       * Flexible Rewards Cards
   
    * Businesses Cards
       * View Small Business Cards
       * View All Corporate Cards
       * Speak to a Sales Specialist
   
    * Featured Personal and Business Cards
       * The Platinum Card
       * The Cobalt Card
       * The Gold Rewards Card
       * The American Express Aeroplan Reserve Card
       * The Business Platinum Card
   
    * Discover More
       * Borrowing Options for Cardmembers

 * Travel
    * Online Travel
       * Book Travel Online
       * Book Fine Hotels + Resorts
       * Book The Hotel Collection
       * Travel Support
       * Manage My Bookings
   
    * Business Travel
       * Global Business Travel Solutions
   
    * Other Travel Services
       * Travelers Cheques

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    * Overview
       * Insurance Overview
       * Coverage on your Credit Card
   
    * Travel
       * Travel Insurance
   
    * Credit Card
       * Account Protector
   
    * Claims
       * Submit a Claim

 * Rewards & Benefits
    * Membership Rewards® Program
       * Explore Membership Rewards
       * Redeem Points
       * Fixed Points Travel Program
       * About Membership Rewards
   
    * Other Reward Programs
       * Aeroplan®* Rewards Cards
   
    * Benefits and Offers
       * View All Benefits
       * Sign Up for Entertainment e-Updates
       * Amex Offers
       * Front Of The Line®
   
    * Refer a Friend
       * Refer a Friend. Get Rewarded

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    * Merchants
       * Merchant Services
       * Accept the Card
       * Contact Us
       * FAQs
   
    * Corporations
       * Corporate Cards
       * Supplier Payment Solutions
       * Cardmember Resources
       * Program Administrator Resources
   
    * Small Business
       * Small Business Solutions
       * View All Cards
       * Small Business Hub
       * Business Class Trends & Insights
       * Refer a Business Owner
   
    * Global Network
       * Home

 * Contact Us

CanadaChange Country
English
 * Français

 * My Account
   
   Personal Accounts
   
    * Account Summary
    * View Statement
    * Manage Account
    * Make a Payment
    * Manage Pre-Authorized Payment
    * Add Someone to Your Account
   
   Business Accounts
   
    * Business Account Summary
    * American Express @Work
    * Merchant Services
   
   Online Services
   
    * Register for Online Services
    * Activate Your Card
    * American Express App
    * Manage Account Alerts
    * Sign Up for Email Offers
    * Online-Only Statements
   
   Help & Support
   
    * Forgot User ID or Password?
    * Support 24/7
    * Welcome Centre
    * Ways to Pay
    * Security Centre
    * Online Service Tutorials and FAQs
   
   
 * Cards
   
   Personal Cards
   
    * View All Cards
    * Travel Cards
    * No Annual Fee Cards
    * Cash Back Credit Cards
    * Co-Brand Cards
    * Flexible Rewards Cards
   
   Businesses Cards
   
    * View Small Business Cards
    * View All Corporate Cards
    * Speak to a Sales Specialist
   
   Featured Personal and Business Cards
   
    * The Platinum Card
    * The Cobalt Card
    * The Gold Rewards Card
    * The American Express Aeroplan Reserve Card
    * The Business Platinum Card
   
   Discover More
   
    * Borrowing Options for Cardmembers
   
   
 * Travel
   
   Online Travel
   
    * Book Travel Online
    * Book Fine Hotels + Resorts
    * Book The Hotel Collection
    * Travel Support
    * Manage My Bookings
   
   Business Travel
   
    * Global Business Travel Solutions
   
   Other Travel Services
   
    * Travelers Cheques
   
   
 * Insurance
   
   Overview
   
    * Insurance Overview
    * Coverage on your Credit Card
   
   Travel
   
    * Travel Insurance
   
   Credit Card
   
    * Account Protector
   
   Claims
   
    * Submit a Claim
   
   
 * Rewards & Benefits
   
   Membership Rewards® Program
   
    * Explore Membership Rewards
    * Redeem Points
    * Fixed Points Travel Program
    * About Membership Rewards
   
   Other Reward Programs
   
    * Aeroplan®* Rewards Cards
   
   Benefits and Offers
   
    * View All Benefits
    * Sign Up for Entertainment e-Updates
    * Amex Offers
    * Front Of The Line®
   
   Refer a Friend
   
    * Refer a Friend. Get Rewarded
   
   
 * Business
   
   Merchants
   
    * Merchant Services
    * Accept the Card
    * Contact Us
    * FAQs
   
   Corporations
   
    * Corporate Cards
    * Supplier Payment Solutions
    * Cardmember Resources
    * Program Administrator Resources
   
   Small Business
   
    * Small Business Solutions
    * View All Cards
    * Small Business Hub
    * Business Class Trends & Insights
    * Refer a Business Owner
   
   Global Network
   
    * Home
   
   

--------------------------------------------------------------------------------

CanadaChange Country
English
 * Français






AMERICAN EXPRESS®
ONLINE PRIVACY STATEMENT CANADA

 



 * Important Links
    * Privacy Statement
    * Privacy Code
    * Privacy Principles
    * About Cookies
    * Set Cookie Preferences



Effective Date: May 1, 2023


 

American Express (Amex Bank of Canada and Amex Canada Inc.) is committed to
protecting your privacy. 

 

This online privacy statement (“Statement”) outlines what information Amex Bank
of Canada, Amex Canada Inc., and our Service Providers, Business Partners,
parent company and affiliates (collectively, we, us, our or Amex Canada) may
collect about you online, why we collect it and how we access, use, disclose and
protect it. This Statement applies to Online Information we collect if you:

 

 * Visit or use our websites or applications (“apps”);
 * Participate in the online programs we offer with our Business Partners;
 * Receive or reply to electronic communications from us;
 * View or click on our ads or other online content; 
 * Interact with us through social media websites and other websites and apps.

This Statement applies to all other services or content that link to or
reference this Statement. This Statement does not apply to online services
operated by American Express that have their own online privacy statements.  

 

Our websites and apps are not intended for children under 14 years of age. We do
not knowingly solicit data online from, or market online to, children under 14
years of age.

 

Other Applicable Privacy Notices

 

Depending on the product or service you use, we may provide you with more
details about how we use information about you in relation to that specific
product or service. This will usually be in the form of terms and conditions or
an additional privacy statement or notice. For example, our Privacy Code
includes more specific details about how we use your Card or other
information related to our products and services.

 

Please note that third-party services, such as social media sites, have
additional terms that explain how operators of those services handle your
information. Please review the terms of the specific online services you use.

 

What is in this Statement?

 

 * A. Information we Collect
 * B. Use of Information
 * C. Sharing of Information
 * D. Aggregated and Anonymized Information 
 * E. Security
 * F. Your Rights
 * G. Your Choices
 * H. Contacting Us
 * I. Changes to this Statement


A. INFORMATION WE COLLECT

THE TYPES OF INFORMATION WE COLLECT DEPENDS ON WHICH PRODUCT OR SERVICE YOU USE.

 

SOMETIMES YOU GIVE INFORMATION DIRECTLY TO US (OR TO OUR SERVICE PROVIDERS). FOR
EXAMPLE, YOU MIGHT GIVE US YOUR NAME, ACCOUNT NUMBER, EMAIL, MAILING ADDRESS,
PHONE NUMBER, OR DATE OF BIRTH WHEN YOU:

 

 * FILL OUT AN ONLINE FORM OR SURVEY, INCLUDING WHEN YOU COMPLETE A CARD
   APPLICATION OR BOOK TRAVEL WITH US;
 * REGISTER, LOG INTO OR UPDATE THE SETTINGS ON YOUR ACCOUNT USING OUR ONLINE
   SERVICES;
 * REGISTER OR ENROLL IN OUR PROGRAMS;
 * ENTER A CONTEST OR REGISTER FOR A MARKETING OFFER; OR
 * BUY SOMETHING ON OUR WEBSITES OR APPS.

IF YOU APPLY ONLINE FOR AN AMERICAN EXPRESS CARD ACCOUNT, WE MAY COLLECT MORE
DETAILED INFORMATION SUCH AS YOUR EMPLOYMENT DETAILS AND INCOME. WE WILL ONLY
COLLECT INFORMATION THAT IS REASONABLY NECESSARY FOR LEGITIMATE
BUSINESS PURPOSES AND PERMITTED BY LAW.  

 

COOKIES AND SIMILAR TECHNOLOGIES

 

WE (AND OUR SERVICE PROVIDERS OR THIRD-PARTY AD-SERVERS) ALSO COLLECT
INFORMATION THROUGH COOKIES AND SIMILAR TECHNOLOGIES WHEN YOU USE OUR ONLINE
SERVICES OR ACCESS ONLINE CONTENT.

 

COOKIES ARE SMALL TEXT FILES WHICH ARE PLACED ON YOUR COMPUTER, MOBILE DEVICE OR
TABLET WHENEVER YOU VISIT A WEBSITE. WE USE COOKIES FOR MANY DIFFERENT PURPOSES,
LIKE HELPING YOU NAVIGATE BETWEEN PAGES EFFICIENTLY, REMEMBERING YOUR
PREFERENCES AND GENERALLY IMPROVING YOUR BROWSING EXPERIENCE. THEY CAN ALSO HELP
ENSURE THAT ADS YOU SEE ONLINE ARE MORE RELEVANT TO YOU AND YOUR INTERESTS. SOME
OF THE FUNCTIONS THAT COOKIES PERFORM CAN ALSO BE ACHIEVED USING ALTERNATIVE
TECHNOLOGY, WHICH IS WHY WE USE THE TERM 'COOKIES AND SIMILAR TECHNOLOGIES' IN
THIS STATEMENT.

 

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.

 

THE INFORMATION WE (AND OUR SERVICE PROVIDERS OR THIRD-PARTY AD-SERVERS) COLLECT
USING COOKIES AND SIMILAR TECHNOLOGIES MAY INCLUDE INFORMATION ABOUT:

 

 * THE DEVICE YOU USE TO BROWSE OUR WEBSITES OR USE OUR APPS (FOR EXAMPLE, WE
   MAY COLLECT INFORMATION ABOUT THE OPERATING SYSTEM OR THE BROWSER VERSION AND
   THE TYPE OF DEVICE YOU USE TO OPEN ELECTRONIC COMMUNICATIONS FROM US);
 *  THE IP ADDRESS AND INFORMATION RELATED TO THAT IP ADDRESS (SUCH AS DOMAIN
   INFORMATION, YOUR INTERNET PROVIDER AND GEOGRAPHIC LOCATION);
 * YOUR BROWSING AND APP USE ACTIVITIES OVER TIME (SUCH AS WHAT YOU SEARCH FOR,
   THE PAGES YOU VIEW, HOW LONG YOU STAY, AND HOW OFTEN YOU COME BACK) AND
   ACROSS OTHER WEBSITES AND APPS, FOLLOWING YOUR VISIT TO ONE OF OUR WEBSITES
   OR APPS (SERVICE PROVIDERS OR THIRD-PARTY AD-SERVERS PERFORM SUCH ACTIVITIES
   ON OUR BEHALF);
 * THE LIKELY ASSOCIATIONS AMONG DIFFERENT BROWSERS AND DEVICES THAT YOU USE TO
   ACCESS OUR PRODUCTS AND SERVICES (FOR EXAMPLE, TO DETECT OR PREVENT FRAUD);
 * HOW YOU SEARCH FOR OUR WEBSITES OR APPS, FROM WHICH WEBSITE OR APP YOU CAME
   FROM, AND WHICH OF OUR BUSINESS PARTNERS' WEBSITES YOU VISIT;
 * WHICH ADS OR ONLINE CONTENT FROM US AND OUR BUSINESS PARTNERS YOU VIEW,
   ACCESS, OR CLICK ON;
 * WHETHER YOU OPEN OUR ELECTRONIC COMMUNICATIONS AND WHICH PARTS YOU CLICK ON
   (FOR EXAMPLE, HOW MANY TIMES YOU OPEN THE COMMUNICATION); AND
 * THE LOCATION OF YOUR MOBILE DEVICE (FOR EXAMPLE, TO DETECT OR PREVENT FRAUD
   OR WHEN YOU REGISTER TO RECEIVE OR WE OTHERWISE PROVIDE LOCATION-BASED
   CONTENT ON OUR MOBILE WEBSITES OR APPS).

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


 

OTHER SOURCES OF INFORMATION

 

WE (AND OUR SERVICE PROVIDERS OR THIRD-PARTY AD-SERVERS) MAY OBTAIN INFORMATION
ABOUT YOU FROM OTHER SOURCES. FOR EXAMPLE, WE MAY OBTAIN INFORMATION ABOUT OTHER
AMERICAN EXPRESS PRODUCTS AND SERVICES YOU USE, IN ACCORDANCE WITH THOSE PRIVACY
POLICIES. IN ACCORDANCE WITH OUR PRIVACY CODE, WE MAY COLLECT INFORMATION FROM
YOUR APPLICATION, CARD TRANSACTIONS AND CREDIT BUREAUS. WE MAY ALSO COLLECT
INFORMATION MADE PUBLICLY AVAILABLE THROUGH THIRD-PARTY PLATFORMS (SUCH AS
ONLINE SOCIAL MEDIA PLATFORMS), THROUGH ONLINE DATABASES OR DIRECTORIES, OR THAT
IS OTHERWISE LEGITIMATELY OBTAINED. WE MAY COMBINE THIS OTHER INFORMATION WITH
THE ONLINE INFORMATION WE HAVE COLLECTED ABOUT YOU UNDER THIS STATEMENT. 

 

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


B. USE OF INFORMATION

WE MAY USE ONLINE INFORMATION WE COLLECT ABOUT YOU ON ITS OWN OR COMBINE IT
WITH OTHER INFORMATION TO:

 

 * DELIVER AND IMPROVE OUR PRODUCTS AND SERVICES, INCLUDING TO:
   
   * RECOGNIZE YOU WHEN YOU RETURN TO OUR WEBSITES OR USE OUR APPS;
   * COMPLETE TRANSACTIONS;
     
   * TELL YOU ABOUT UPDATES TO YOUR ACCOUNTS, PRODUCTS, AND SERVICES;
     
   * UPDATE YOU ABOUT NEW FEATURES AND BENEFITS;
     
   * ANSWER QUESTIONS AND RESPOND TO YOUR REQUESTS MADE THROUGH OUR WEBSITES OR
     APPS AND THROUGH THIRD-PARTY WEBSITES (INCLUDING SOCIAL MEDIA);
     
   * USE THE LOCATION OF YOUR MOBILE DEVICE FOR LOCATION-BASED SERVICES THAT YOU
     MAY REQUEST;
     
   * DETERMINE HOW TO BEST PROVIDE SERVICES TO YOU AND MANAGE YOUR ACCOUNTS,
     SUCH AS THE BEST WAY AND TIME TO CONTACT YOU;
     
   * IMPROVE OUR WEBSITES OR APPS AND MAKE THEM EASIER TO USE;
     
 * ADVERTISE AND MARKET OUR PRODUCTS AND SERVICES – AND THOSE OF OUR BUSINESS
   PARTNERS – INCLUDING TO:
   * PRESENT CONTENT THAT IS TAILORED TO YOUR INTERESTS, INCLUDING TARGETED
     ADVERTISING;
   * SEND OR PROVIDE YOU WITH ADS, PROMOTIONS, AND OFFERS;
   * ANALYZE WHETHER OUR ADS, PROMOTIONS, AND OFFERS ARE EFFECTIVE;
   * HELP US DETERMINE WHETHER YOU MAY BE INTERESTED IN NEW PRODUCTS OR
     SERVICES;
   * PROVIDE LOCATION-BASED CONTENT AND ADVERTISING PERSONALIZATION;
 * CONDUCT RESEARCH AND ANALYSIS, INCLUDING TO:
   * BETTER UNDERSTAND OUR CUSTOMERS AND OUR WEBSITE OR APP USERS;
   * ALLOW YOU TO GIVE FEEDBACK BY RATING AND REVIEWING OUR PRODUCTS AND
     SERVICES AND THOSE OF OUR BUSINESS PARTNERS;
     
   * PRODUCE DATA ANALYTICS, STATISTICAL RESEARCH, AND REPORTS;
     
   * REVIEW AND CHANGE OUR PRODUCTS AND SERVICES;
     
 * MANAGE FRAUD AND SECURITY RISK, INCLUDING TO:
   * DETECT AND PREVENT FRAUD OR CRIMINAL ACTIVITY;
   * SAFEGUARD THE SECURITY OF YOUR INFORMATION;
 * ASSESS CREDIT RISKS RELATING TO OUR BUSINESS, INCLUDING TO:
   * EVALUATE AND PROCESS YOUR APPLICATIONS FOR OUR PRODUCTS AND SERVICES AND
     MANAGE YOUR EXISTING ACCOUNTS; (FOR EXAMPLE, TO CONTACT YOU WITH IMPORTANT
     INFORMATION ABOUT YOUR ACCOUNT) AND
 * USE IT IN OTHER WAYS AS REQUIRED OR PERMITTED BY LAW OR WITH YOUR CONSENT.
   

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 AND LOAN APPLICATIONS;
 * ASSESS  CREDIT RISKS, INCLUDING TO CHECK IF YOU MEET OUR ELIGIBILITY CRITERIA
   AND DECIDE WHETHER WE CAN ISSUE YOU A CARD OR LOAN OR APPROVE A TRANSACTION.

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 AMEX CANADA, 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 AMEX CANADA) AND TRANSACTION
PARTICULARS (SUCH AS MERCHANTS AND CARD PRESENT OR NOT) TO HELP US DETECT FRAUD.
THESE METHODS ARE REGULARLY TESTED TO ENSURE THAT THEY REMAIN FAIR, EFFECTIVE
AND UNBIASED.

 

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

 

DIGITAL ADVERTISING

 

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

WE AND OUR THIRD-PARTY AD-SERVERS MAY USE PRECISE LOCATION DATA WHICH MAY BE
OBTAINED FROM A MOBILE DEVICE TO DELIVER TARGETED ADVERTISING TO YOU. IN THIS
CASE, ADDITIONAL PERSONAL INFORMATION IS NOT SHARED WITH US WHEN OUR THIRD-PARTY
AD-SERVERS DELIVER THE TARGETED ADVERTISING.

 

IF PRECISE LOCATION DATA IS USED WITH THE AMEX APP, THAT APP WILL PROVIDE YOU
WITH ADDITIONAL DETAILS AND CHOICES. 


 

WE PARTICIPATE IN ADVERTISING PROGRAMS OFFERED BY VARIOUS SOCIAL MEDIA AND
ONLINE PARTNERS SUCH AS FACEBOOK AND GOOGLE. THESE PROGRAMS ALLOW US TO SERVE
YOU WITH ADVERTISING WHEN YOU USE THOSE SERVICES. WE USE
INFORMATION WE HOLD ABOUT YOU TO HELP ENSURE THOSE ADVERTISEMENTS ARE
RELEVANT TO YOU. WE MAY PROVIDE A HASHED VERSION OF YOUR EMAIL ADDRESS OR
OTHER INFORMATION TO THE PLATFORM PROVIDER FOR SUCH PURPOSES. 

 

WE MAY USE INFORMATION FROM ONE APP TO PROVIDE YOU WITH TARGETED ADVERTISING ON
ANOTHER APP. FOR EXAMPLE, IF YOU BEGIN COMPLETING AN ONLINE FORM ON THE AMEX APP
AND DO NOT COMPLETE IT, WE MAY FOLLOW UP WITH TARGETED ADVERTISING THROUGH
SOCIAL MEDIA AND ONLINE PARTNERS. IN THIS CONTEXT WE DO NOT SHARE THE RELEVANT
ONLINE ACTIVITY WITH THE THIRD PARTY. TO OPT-OUT OR CHANGE YOUR PREFERENCES FOR
THESE ADVERTISING PROGRAMS, PLEASE SEE THE "YOUR CHOICES" SECTION BELOW.


C. SHARING OF INFORMATION

WE MAY SHARE YOUR PERSONAL INFORMATION AS REQUIRED OR AS PERMITTED BY APPLICABLE
LAW, SUCH AS;

 

 * WITH CREDIT BUREAUS AND SIMILAR INSTITUTIONS TO REPORT OR ASK ABOUT YOUR
   FINANCIAL CIRCUMSTANCES, AND TO REPORT OR COLLECT DEBTS YOU OWE;
 * WITH REGULATORY AUTHORITIES, COURTS, AND GOVERNMENTAL AGENCIES TO COMPLY WITH
   LEGAL ORDERS, LEGAL OR REGULATORY REQUIREMENTS, AND GOVERNMENT REQUESTS;
 * WITH OUR SERVICE PROVIDERS, REGULATORY AUTHORITIES, AND GOVERNMENTAL AGENCIES
   TO DETECT AND PREVENT FRAUD OR CRIMINAL ACTIVITY, AND TO PROTECT THE RIGHTS
   OF AMERICAN EXPRESS OR OTHERS;
 * WITHIN THE AMERICAN EXPRESS FAMILY OF COMPANIES;
 * WITH OUR SERVICE PROVIDERS WHO PERFORM SERVICES FOR US AND HELP US OPERATE
   OUR BUSINESS (WE REQUIRE SERVICE PROVIDERS TO SAFEGUARD PERSONAL INFORMATION
   AND ONLY USE YOUR PERSONAL INFORMATION FOR THE PURPOSES WE SPECIFY);
 * WITH FINANCIAL INSTITUTIONS OR CO-BRAND PARTNERS WITH WHOM AMERICAN EXPRESS
   JOINTLY OFFERS OR DEVELOPS PRODUCTS AND SERVICES (BUT THEY MAY NOT USE YOUR
   PERSONAL INFORMATION - IN PARTICULAR YOUR EMAIL ADDRESS - TO INDEPENDENTLY
   MARKET THEIR OWN PRODUCTS OR SERVICES TO YOU UNLESS YOU CONSENT THAT THEY CAN
   DO SO);
 * IN THE CONTEXT OF A SALE OF ALL OR PART OF THE AMERICAN EXPRESS FAMILY OF
   COMPANIES OR THEIR ASSETS; OR
 * FOR SPECIFIC PRODUCTS OR SERVICES, WHEN YOU HAVE GIVEN YOUR CONSENT.

CROSS-BORDER TRANSFERS OF PERSONAL INFORMATION


 

IN PROVIDING YOU WITH OUR PRODUCTS OR SERVICES, WE WILL TRANSFER INFORMATION
OUTSIDE OF YOUR PROVINCE OR TERRITORY OF RESIDENCE OR OUTSIDE OF CANADA (“OTHER
LOCATIONS”) WHERE DIFFERENT DATA PROTECTION LAWS APPLY, SUCH AS TO THE UNITED
STATES (WHERE OUR MAIN OPERATIONAL DATA CENTRES ARE LOCATED). NO MATTER WHERE WE
TRANSFER INFORMATION ABOUT YOU, WE WILL PROTECT IT IN THE MANNER DESCRIBED IN
OUR PRIVACY NOTICES AND IN ACCORDANCE WITH APPLICABLE LAWS USING APPROPRIATE
CONTRACTUAL PROTECTIONS.  WE ALSO ASSESS WHETHER OTHER TECHNICAL
AND ORGANIZATIONAL MEASURES ARE REQUIRED. HOWEVER, GOVERNMENTS, COURTS, LAW
ENFORCEMENT OR REGULATORY AGENCIES IN OTHER LOCATIONS MAY BE ABLE TO OBTAIN
DISCLOSURE OF CUSTOMER INFORMATION THROUGH THEIR LAWS. FOR INFORMATION ABOUT THE
MANNER IN WHICH WE OR OUR SERVICE PROVIDERS (INCLUDING SERVICE PROVIDERS OUTSIDE
OF CANADA) TREAT PERSONAL INFORMATION, PLEASE CONTACT US AS SET OUT BELOW. 

 

 


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 INFORMATION OR
ANONYMIZED INFORMATION. WE USE AGGREGATED AND ANONYMIZED INFORMATION IN SEVERAL
WAYS, FOR EXAMPLE:

 

 * FOR THE SAME REASONS AS WE MIGHT SHARE PERSONAL INFORMATION;
 * TO HELP DEVELOP AND MARKET PROGRAMS, PRODUCTS OR SERVICES AND PRESENT
   TARGETED CONTENT INCLUDING TARGETED ADVERTISING;  
 * TO CONDUCT ANALYSIS AND RESEARCH ABOUT CUSTOMERS, WEBSITE AND APP USERS; OR
 * TO PLACE ADS ON VARIOUS WEBSITES AND APPS, AND TO ANALYZE THE EFFECTIVENESS
   OF THOSE ADS.

WE SOMETIMES SHARE AGGREGATED AND ANONYMIZED INFORMATION WITH BUSINESS PARTNERS,
THIRD PARTY AD SERVERS AND OTHER 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 YOUR PERSONAL
INFORMATION. THESE MEASURES INCLUDE PHYSICAL AND TECHNOLOGICAL  SAFEGUARDS, AND
APPROPRIATE ACCESS CONTROLS TO DATA AND FACILITIES. WE TAKE REASONABLE STEPS TO
SECURELY DESTROY OR ANONYMIZE PERSONAL INFORMATION AND SENSITIVE PERSONAL
INFORMATION WHEN WE NO LONGER NEED IT, UNLESS WE ARE REQUIRED TO KEEP IT LONGER
BY LAW, REGULATION OR FOR THE PURPOSES OF LITIGATION OR REGULATORY
INVESTIGATIONS.

 

OUR ROLES AND RESPONSIBILITIES


 

WE HAVE GOVERNANCE TO SUPPORT ADHERENCE TO THIS STATEMENT AND THE PRIVACY
CODE INCLUDING PROCEDURES, TRAINING, REPORTING, OVERSIGHT (INCLUDING BY THE
CHIEF PRIVACY OFFICER OR PERSON-IN-CHARGE OF PERSONAL INFORMATION) AND
COMMITTEES OF MANAGEMENT AND OUR BOARD OF DIRECTORS (AS APPLICABLE). AMEX CANADA
EMPLOYEES ARE REQUIRED TO COMPLY WITH THIS STATEMENT AND PRIVACY CODE. BUSINESS
PARTNERS ARE ALSO REQUIRED TO COMPLY WITH OUR PRIVACY STANDARDS.


F. YOUR RIGHTS

IN CERTAIN INSTANCES, YOU HAVE A RIGHT TO ACCESS, UPDATE, CHANGE OR CORRECT,
DISPOSE OR MAKE A COMPLAINT ABOUT YOUR PERSONAL INFORMATION, INCLUDING BY

 

 * REQUESTING DETAILS ON THE PERSONAL INFORMATION WE HAVE ABOUT YOU
 * REQUESTING A REVIEW OF CERTAIN AUTOMATED PROCESSING ACTIVITIES
 * REQUESTING THAT PERSONAL INFORMATION WE HAVE ABOUT YOU BE CHANGED OR
   CORRECTED
 * MAKE A COMPLAINT REGARDING THE PROTECTION OF YOUR PERSONAL INFORMATION
 * WITHDRAWING THE CONSENT YOU HAVE GIVEN FOR THE PROCESSING OF PERSONAL
   INFORMATION AT ANY TIME OR RESTRICTING OR OBJECTING TO THE USE OF PERSONAL
   INFORMATION, SUBJECT TO LEGAL AND CONTRACTUAL RESTRICTIONS

IF YOU WOULD LIKE TO EXERCISE ANY OF YOUR RIGHTS OR IF YOU HAVE QUESTIONS ABOUT
HOW WE PROCESS INFORMATION ABOUT YOU, PLEASE SEE THE “CONTACTING US” SECTION
BELOW. 



G. YOUR CHOICES

YOU HAVE CHOICES ABOUT HOW WE USE INFORMATION ABOUT YOU FOR MARKETING
AND ADVERTISING. LIKE MOST COMPANIES, WE WORK WITH A RANGE OF ADVERTISING
PARTNERS SUCH AS AD NETWORKS, AD SERVERS AND SOCIAL MEDIA PLATFORMS TO PRESENT
OUR ADS ONLINE. YOUR CHOICES MAY DIFFER DEPENDING ON WHETHER WE ARE
COMMUNICATING WITH
YOU THROUGH A WEBSITE, EMAIL APP OR SOCIAL MEDIA. 

 

CHOICES ABOUT MARKETING COMMUNICATIONS

 

YOU CAN CHOOSE HOW YOU WOULD LIKE TO RECEIVE MARKETING COMMUNICATIONS, INCLUDING
DIRECT MARKETING - WHETHER WE SEND THEM TO YOU THROUGH POSTAL MAIL, EMAIL AND/OR
TELEPHONE. IF YOU CHOOSE TO NOT RECEIVE MARKETING COMMUNICATIONS FROM US, WE
WILL HONOUR YOUR CHOICE. PLEASE BE AWARE THAT IF YOU CHOOSE NOT TO RECEIVE SUCH
COMMUNICATIONS, CERTAIN OFFERS ATTACHED TO THE PRODUCTS OR SERVICES YOU HAVE
CHOSEN MAY BE AFFECTED. WE WILL STILL COMMUNICATE WITH YOU IN CONNECTION WITH
SERVICING YOUR ACCOUNT, FULFILLING YOUR REQUESTS, OR ADMINISTERING ANY PROMOTION
OR ANY PROGRAM IN WHICH YOU HAVE ELECTED TO PARTICIPATE.

 

FOR ADDITIONAL INFORMATION AND TO MANAGE YOUR MARKETING PREFERENCES, PLEASE
SEE ADDITIONAL INFORMATION AND MARKETING PREFERENCES .

 

ONLINE BEHAVIOURAL ADVERTISING

 

AMERICAN EXPRESS PARTICIPATES IN TARGETED ADVERTISING PROGRAMS. WE USE
INFORMATION WE HAVE ABOUT YOU IN ORDER TO PROVIDE YOU WITH ADVERTISING MESSAGES
THAT ARE RELEVANT TO YOU. WE PARTICIPATE IN THE DIGITAL ADVERTISING ALLIANCE OF
CANADA (DAAC) SELF-REGULATORY PROGRAM AND ADHERE TO THE DAAC PRINCIPLES FOR
ONLINE BEHAVIOURAL ADVERTISING AND DAAC’S APPLICATION OF SELF-REGULATORY
PRINCIPLES TO THE MOBILE ENVIRONMENT. THE DAAC PROGRAM IS DESIGNED TO PROVIDE
INFORMATION ABOUT AND GREATER CONTROL OVER ONLINE ADVERTISING. IT ENABLES YOU TO
OPT OUT FROM ONLINE BEHAVIOURAL ADVERTISING SERVED BY PARTICIPATING COMPANIES.
THE DAAC PROGRAM APPLIES TO WEBSITES AND MOBILE APPLICATIONS. YOU CAN USE THE AD
CHOICES OPT OUT TOOL TO OPT-OUT ONLINE OR GET THE FREE DAAC APP CHOICES APP FOR
EACH OF YOUR MOBILE DEVICES. WITH THE APP CHOICES APP YOU CAN SET YOUR
PREFERENCES FOR TARGETED ADVERTISING AND USE OF DATA ACROSS APPS. CLICK HERE TO
LEARN MORE ABOUT THE DAAC AND YOUR CHOICES.

 

IF YOU DO NOT WANT TO RECEIVE TARGETED ADVERTISING FROM AMERICAN EXPRESS IN
APPS, YOU CAN ALSO TURN OFF MOBILE DEVICE AD TRACKING OR RESET THE ADVERTISING
IDENTIFIER IN YOUR DEVICE SETTINGS, WHERE THESE TOOLS ARE AVAILABLE FROM YOUR
DEVICE PLATFORM, ON EACH OF THE DEVICES THAT YOU USE. IF YOU DO NOT WANT TO
RECEIVE TARGETED ADVERTISING USING PRECISE LOCATION DATA, YOU CAN ALSO TURN OFF
LOCATION-BASED SERVICES IN YOUR DEVICE SETTINGS.

 

IN ADDITION, WE ALSO WORK WITH ONLINE AND SOCIAL MEDIA COMPANIES TO
DELIVER TARGETED ADVERTISING ON THOSE PLATFORMS AND THEY ALSO HAVE PRIVACY
CONTENT OPTIONS.

 

CHOICES ABOUT THE INFORMATION WE COLLECT

 

YOU HAVE CHOICES ABOUT HOW AMERICAN EXPRESS USES YOUR INFORMATION, SUCH AS HOW
WE MARKET TO YOU OR HOW WE MANAGE COOKIES AND SIMILAR TECHNOLOGIES.

 

IF YOU DO NOT WANT US TO COLLECT INFORMATION ABOUT YOU USING COOKIES AND SIMILAR
TECHNOLOGIES YOU CAN DISABLE OR DELETE THEM. MOST COMPUTER SYSTEMS AND BROWSERS
OFFER THEIR OWN PRIVACY SETTINGS. WE ENCOURAGE YOU TO USE THEM TO ENHANCE YOUR
CHOICES. MOST BROWSERS’ ADVANCED SETTINGS (SUCH AS THOSE IN INTERNET EXPLORER,
GOOGLE CHROME OR SAFARI) ALLOW YOU TO DISABLE COOKIES AND SIMILAR TECHNOLOGIES.

 

IMPORTANT: IF YOU DO DISABLE OR DELETE COOKIES AND SIMILAR TECHNOLOGIES, SOME
SITE FEATURES AND SERVICES MAY NOT WORK. YOU WILL NEED TO MANAGE YOUR SETTINGS
FOR EACH COMPUTER AND BROWSER YOU USE TO ACCESS THE INTERNET. 

 

FOR MORE INFORMATION GO TO ABOUT COOKIES AND SIMILAR TECHNOLOGIES.


H. CONTACTING US

IF YOU HAVE ANY QUESTIONS ABOUT OUR STATEMENT, PLEASE TALK TO ONE OF OUR
CUSTOMER SERVICE REPRESENTATIVES AT AMEX CANADA CLICK HERE FOR A LIST OF CONTACT
NUMBERS OR, WRITE TO THE PERSON IN CHARGE OF THE PROTECTION OF PERSONAL
INFORMATION:

 

CHIEF PRIVACY OFFICER

AMEX CANADA

PO BOX 3204, STN F

TORONTO, ONTARIO

M1W 3W7



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 WILL 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. 


GLOSSARY

AGGREGATED INFORMATION - DATA OR INFORMATION, RELATING TO MULTIPLE PEOPLE, WHICH
HAS BEEN COMBINED OR AGGREGATED. AGGREGATED INFORMATION INCLUDES INFORMATION
THAT WE CREATE OR COMPILE FROM VARIOUS SOURCES, INCLUDING CARD TRANSACTIONS OR
CERTAIN DATA FROM COOKIES AND SIMILAR TECHNOLOGIES.


AMERICAN EXPRESS (WE, OUR, US), - THE AMERICAN EXPRESS COMPANY AS IDENTIFIED AT
THE BEGINNING
OF THIS STATEMENT.


AMEX CANADA PRIVACY CODE - THIS PRIVACY CODE SETS OUT THE PRIVACY POLICY OF AMEX
BANK OF CANADA AND AMEX CANADA INC. (“AMEX CANADA”), AND APPLIES TO THEIR
PRODUCTS, SERVICES AND CUSTOMERS (INCLUDING PROSPECTIVE CUSTOMERS) IN CANADA.
THE CODE IS CONSISTENT WITH THE AMERICAN EXPRESS DATA PROTECTION AND PRIVACY
PRINCIPLES, WHICH APPLY TO ALL AMERICAN EXPRESS OPERATIONS WORLDWIDE.

 

ANONYMIZED INFORMATION - DATA OR INFORMATION THAT IS IRREVERSIBLY OR PERMANENTLY
MODIFIED TO ENSURE THAT NO INDIVIDUAL CAN BE IDENTIFIED FROM THE INFORMATION,
WHETHER DIRECTLY OR INDIRECTLY, BY ANY MEANS. 


BUSINESS PARTNERS - ANY THIRD PARTIES WITH WHOM WE CONDUCT BUSINESS AND HAVE A
CONTRACTUAL RELATIONSHIP, SUCH AS A BUSINESS THAT ACCEPTS AMERICAN EXPRESS
BRANDED CARDS.


CO-BRAND PARTNERS - BUSINESSES WE PARTNER WITH TO OFFER CARDS FEATURING BOTH
BRAND LOGOS.


COOKIES AND SIMILAR TECHNOLOGIES - COOKIES ARE SMALL TEXT FILES WHICH ARE PLACED
ON YOUR COMPUTER, MOBILE DEVICE OR TABLET WHENEVER YOU VISIT A WEBSITE. WE USE
COOKIES FOR MANY DIFFERENT PURPOSES, LIKE HELPING YOU NAVIGATE BETWEEN PAGES
EFFICIENTLY, REMEMBERING YOUR PREFERENCES AND GENERALLY IMPROVING YOUR BROWSING
EXPERIENCE. THEY CAN ALSO HELP ENSURE THAT ADS YOU SEE ONLINE ARE MORE RELEVANT
TO YOU AND YOUR INTERESTS. SOME OF THE FUNCTIONS THAT COOKIES PERFORM CAN ALSO
BE ACHIEVED USING ALTERNATIVE TECHNOLOGY, WHICH IS WHY WE USE THE TERM 'COOKIES
AND SIMILAR TECHNOLOGIES ' IN THIS STATEMENT. MORE INFORMATION ABOUT COOKIES.

 

DE-IDENTIFIED INFORMATION - DATA OR INFORMATION USED IN A WAY THAT DOES NOT
IDENTIFY YOU TO A THIRD PARTY. WE OFTEN DERIVE DE-IDENTIFIED INFORMATION FROM
PERSONAL INFORMATION. IT INCLUDES INFORMATION THAT WE MAY COLLECT FROM VARIOUS
SOURCES, SUCH AS CARD TRANSACTIONS OR CERTAIN DATA FROM COOKIES AND SIMILAR
TECHNOLOGIES.


IP ADDRESS - A NUMBER ASSIGNED TO A DEVICE WHEN CONNECTING TO THE INTERNET.


ONLINE INFORMATION - DATA OR INFORMATION COLLECTED ON THE AMERICAN EXPRESS
WEBSITES AND APPS AS WELL AS ON WEBSITES AND APPS OF THIRD PARTIES RELATING TO
TOPICS ABOUT OUR BUSINESS WHICH INCLUDES PERSONAL INFORMATION, AGGREGATED
INFORMATION AND DE-IDENTIFIED INFORMATION.


OTHER INFORMATION - AMERICAN EXPRESS INTERNAL INFORMATION (FOR EXAMPLE,
TRANSACTION DATA), EXTERNAL DATA THAT FINANCIAL COMPANIES USE TO PROCESS
APPLICATIONS AND COMPLETE TRANSACTIONS, AND OTHER ONLINE AND OFFLINE INFORMATION
WE COLLECT FROM OR ABOUT YOU.


PERSONAL INFORMATION- INFORMATION THAT CAN IDENTIFY A PERSON, SUCH AS NAME,
ADDRESS, TELEPHONE NUMBER, AND EMAIL ADDRESS.


PRECISE LOCATION DATA- DATA THAT ALLOWS THE LOCATION OF A MOBILE DEVICE TO BE
USED FOR THE PURPOSES OF DELIVERING TARGETED ADVERTISING.


SERVICE PROVIDERS - ANY VENDOR, THIRD PARTY AND/OR COMPANY THAT PERFORMS
BUSINESS OPERATIONS ON OUR BEHALF, SUCH AS PRINTING, MAILING, FULFILLMENT,
COMMUNICATIONS SERVICES (EMAIL, DIRECT MAIL, ETC.), MARKETING, SALES, DATA
PROCESSING AND PLATFORMS, SERVICING, COLLECTIONS, OR AD MANAGEMENT.


TARGETED ADVERTISING - ADS WE, OR OUR SERVICE PROVIDERS OR THIRD-PARTY
AD-SERVERS, DISPLAY ON WEBSITES OUTSIDE THE AMERICAN EXPRESS FAMILY OF COMPANIES
BASED ON THE PREFERENCES OR INTERESTS INFERRED FROM OUR DATA, SUCH AS
TRANSACTION DATA, OR DATA COLLECTED FROM A PARTICULAR COMPUTER OR DEVICE
REGARDING WEB VIEWING BEHAVIOURS OR APP USE OVER TIME AND ACROSS DIFFERENT
WEBSITES AND MOBILE APPS. TARGETED ADVERTISING MAY OCCUR ACROSS BROWSERS OR
MOBILE DEVICES THAT HAVE BEEN ASSOCIATED TOGETHER. TARGETED ADVERTISING INCLUDES
INTEREST-BASED ADVERTISING. WE PARTICIPATE IN THE DIGITAL ADVERTISING ALLIANCE
OF CANADA (DAAC) SELF-REGULATORY PROGRAM AND ADHERE TO THE DAAC PRINCIPLES FOR
INTEREST-BASED ADVERTISING. THE DAAC PROGRAM IS DESIGNED TO PROVIDE INFORMATION
ABOUT AND GREATER CONTROL OVER ONLINE ADVERTISEMENTS. IT ALSO ENABLES YOU TO OPT
OUT FROM INTEREST-BASED ADVERTISING SERVED BY ANY, OR ALL OF THE PARTICIPATING
COMPANIES. CLICK HERE TO LEARN MORE ABOUT THE DAAC AND YOUR CHOICES.


THIRD-PARTY AD-SERVERS - COMPANIES THAT PROVIDE THE TECHNOLOGY TO PLACE ADS ON
WEBSITES (AND APPS) AND TRACK HOW ADS PERFORM. THESE COMPANIES MAY ALSO PLACE
AND ACCESS COOKIES ON YOUR DEVICE. THE INFORMATION THEY COLLECT FROM OUR
WEBSITES IS IN A FORM THAT DOES NOT IDENTIFY YOU PERSONALLY.



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 * American Express Cards
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    * Credit Cards
    * Small Business Cards
    * Corporate Cards
    * American Express Gift Cards
    * Add Someone to Your Account

 * More Products & Services
    * Membership Rewards® Program
    * American Express App
    * Insurance Home
    * Merchant Services
    * Accept the Card

 * Important & Useful Links
    * Form & Document Centre
    * Life With Amex – Education Centre
    * Security Centre
    * Ways to Pay
    * See Merchants Near You
    * Refer a Friend

 * Company Information
    * About American Express
    * Careers
    * Contact Us
    * Sign Up for Email Offers
    * Frequently Asked Questions
    * Moving Abroad?

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