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Effective URL: https://www.americanexpress.com/en-in/company/legal/privacy-center/online-privacy-statement/
Submission: On May 31 via manual from SG — Scanned from SG
Effective URL: https://www.americanexpress.com/en-in/company/legal/privacy-center/online-privacy-statement/
Submission: On May 31 via manual from SG — Scanned from SG
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IndiaChange Country
1. Home
2. Privacy Statement
AMERICAN EXPRESS® INDIA ONLINE PRIVACY STATEMENT
EFFECTIVE DATE: MARCH 2023
American Express (American Express Banking Corp.), is committed to protecting
your privacy. Our global Data Protection and Privacy Principles set out our
commitment to the privacy of all our customers.
This Online Privacy Statement outlines what information we collect online, why
we collect it, and how we access, use, disclose, and protect it. This includes
information we collect online through:
* Online services we operate – such as our websites and mobile apps.
* Services or content we provide to third party platforms – such as online
communications, social media pages, voice assistant apps, and digital ads.
* All other services or content that link to or reference this statement.
Our websites and apps are not intended for use by children under 18 years of
age. We don’t knowingly collect information online from – or market online to –
children under 18 years of age.
Here’s something to keep in mind
We may provide you with more details about how we use your information,
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.
Third-party services – such as social media sites – have additional terms that
explain how they handle your information. Please take a moment to review the
terms of any other online services you use, to ensure your security.
What’s in this statement?
A. Information We Collect
B. Use of Information
C. Disclosure of Information
D. Aggregated and Anonymized Information
E. Security
F. Your Choices
G. Contacting Us
H. Changes to This Statement
A. INFORMATION WE COLLECT
The type of information we collect depends on the product or service you
use. In some cases, you provide us with this information directly. You disclose
information such as your name, date of birth, address, phone number, and email
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 Amex Offer, participate in a promotion, or take one of our
surveys.
If you apply for an American Express Card online, we may collect more detailed
personal information such as:
* Your employment details.
* Your income.
* Biometric information.
We’ll only collect personal information for legitimate business purposes.
Cookies and Similar Technologies
We also collect information through Cookies and Similar Technologies when you
use our online services or access content online.
A cookie is a small data file that a website transfers to your computer. 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.
Cookies and Similar Technologies collects information that includes:
* The operating system or type of device you use to open emails from American
Express.
* Information related to your IP address, such as your domain, 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 apps directed you
to us, and, in some cases, if you’ve visited a website operated by one of our
business or commercial partners.
* Ads or online content created by American Express or our business and
commercial partners that you view, access, or click.
* Whether you open our emails, which sections you click, and 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.
Other Sources of Information
We may collect your information from other sources in accordance with product or
service-specific privacy notices we’ll send you. For example, in accordance with
your Card Member Privacy Statement, we may collect information from your Card
transactions, publicly available records and databases, or third-party sources,
such as credit bureaus. We may combine this other information with the
information we collect under this statement.
B. USE OF INFORMATION
We use information about you in a number of ways. We’ll use it to:
* Deliver and improve our products and services.
* Process your application for one of our products or services, process and
complete transactions, let you know about new features and benefits, and
manage your accounts.
* Recognize you and your device in order to better communicate more
effectively.
* Determine whether you may be interested in new products or services.
* Advertise and market our products and services, along those of our commercial
and business partners. See the Digital Advertising section below for more
information.
* Conduct research to better understand our online visitors, customers, and
Card Members.
* Request feedback or reviews about our products and services, along with those
of our commercial and business partners.
* Analyze the effectiveness of our advertising and marketing campaigns.
* Manage our business risks, such as fraud and credit and security risks.
* Review and process your application for one of our products or services.
* Manage your existing products or services.
* Detect and prevent fraud or criminal activity in order to safeguard your
accounts.
* We may use automated systems to help us make certain decisions, process card
applications, manage fraud, and assess security risks.
* We’ll also perform other duties required or permitted by law, or with your
consent.
* We shall retain Information for only as long as necessary to meet legal or
regulatory requirements or for legitimate business purposes as mentioned in
this Policy.
Digital Advertising
We advertise through our websites and apps, as well as third-party platforms. We
may use your information to serve your devices marketing content or ads across
tailored to your interests and general geographic location. Here are some ways
this works:
* We use online behavioral advertising to collection information through
Cookies and Similar Technologies regarding your online behavior over time and
across different websites. Then, we use this information to serve you content
or ads tailored to your interests.
* We may also provide content on social media sites and participate in targeted
advertising campaigns on these platforms.
* If you follow our social media pages or “like” content on these platforms, we
may use your information 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 are required to use
your information only in ways that are consistent with the privacy policies
and Terms & Conditions of these platforms.
C. DISCLOSURE OF INFORMATION
We may disclose information about you when necessary. We could disclose
information to:
* Providers who perform services for us that include printing, mail,
advertising and marketing. We require all of such service providers to
protect personal information according to our standards and use it only for
the purposes we allow.
* Regulatory authorities, courts, and governmental 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.
* Companies within the American Express group.
* Business or commercial partners – other financial institutions, loyalty
programs, travel partners, and certain advertising partners with whom we
offer or develop products and services.
* 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
We may need to transfer personal information to other countries with different
data protection laws, in order to provide you with our products or services,
unless it’s restricted by applicable law. Keep in mind, no matter where we
process personal information about you, we’ll always protect it in the manner
described in the Data Protection and Privacy Principles, this Statement, and in
accordance with applicable laws.
D. AGGREGATED AND ANONYMIZED INFORMATION
We sometimes process information so that it no longer identifies any individual.
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 your personal
information. Here’s what you should know:
* These measures include technological safeguards and appropriate access
controls to data and facilities.
* We take reasonable steps to securely destroy or de-identify your 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 CHOICES
You have the power to make choices about how American Express uses your
information for marketing and advertising purposes. We work with a range of
advertising partners including ad networks, ad servers, and social media
platforms to serve you our ads online. Your choices may vary, depending on
whether we’re serving you ads through websites, email, apps, or social media.
* You can change your cookie preferences in your Browser (for example, Chrome,
Safari or Internet Explorer) or your mobile device settings to limit the ways
in which cookies may be used to collect and use information about you. Click
here for more information.
* You can adjust how we use your information through your mobile device
settings – for example, you can turn off location-based services and device
ad tracking.
* In order to serve you better, we may reach out to you through WhatsApp in
addition to standard modes of communication. If you do not wish to receive
service updates for your account though WhatsApp, you may opt out of the
service. Please ignore if you have already Opted Out. If you wish to resume
the service, you may re-enroll. Please be advised that you will continue to
receive updates through SMS and Email alerts.
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 email and follow the
instructions or go to americanexpress.com/preferences.
* Phone: Register for the National Do Not Call List at
https://trai.gov.in/faqcategory/unsolicited-commercial-communicationsucc
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
a promotion or program you’ve opted to be part of.
Communication Preferences
You can also make choices about how we communicate with you. To update your
communication preferences, you can:
* Log into your account at americanexpress.com/communications to update your
marketing and data sharing choices.
Merchants
* Log into your account at americanexpress.com/merchant and visit your settings
to update your marketing communications preferences.
* Call 1800-419-1414 and select option 2 , Monday till Saturday – 1000-2100 hrs
G. 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 Grievance Officer at the below details:
Name: Mr. Ashish Pandey
Address: American Express Banking Corp. Cyber City, Tower C, DLF Building no. 8,
Sector 25, DLF City Phase II, Gurgaon, Haryana- 122 002, India
Email ID: AEBCNodalOfficer@aexp.com
The Grievance Officer shall redress the grievances within one month from the
date of receipt of grievance.
H. CHANGES TO THIS STATEMENT
We may change this statement when necessary. Depending 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.
Privacy Statement
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Customer Privacy Principles
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* View Corporate Cards
* Corporate Travel
* Company Information
* Vision and Mission Statement
* Customer Service Committee
* Contact Us
* Careers
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