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PRIVACY STATEMENT

Privacy CodePrivacy PrinciplesAbout CookiesPrivacy PreferencesFrequently Asked
Questions


AMERICAN EXPRESS ONLINE PRIVACY STATEMENT CANADA


EFFECTIVE DATE: JANUARY 9TH, 2018



At American Express, we are committed to safeguarding your privacy. We want you
to know how we may collect, use, share, and keep information about you and the
choices that are available to you.

When we provide American Express products or services to you, we may also give
you specific additional details about how we will use your personal information.
If you have an American Express product or service that is not provided by
American Express (such as a card issued by a bank other than Amex Bank of
Canada), please review the relevant privacy notice that covers such product or
service or contact your product or service provider for information about their
privacy practices. 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. Please see What are your choices about how we market to
you? for additional information.

This online privacy statement applies to American Express websites, online
applications that run on smart phones, tablets, and other mobile devices
(“apps”) as well as your use of, or access to any of our online services or
content and other online programs that we offer with our partners that link to
this statement. It does not apply to those websites that have their own online
privacy statements such as the American Express Network website,
amexnetwork.com.

Our websites and apps are not intended for children under 13 years of age. We do
not knowingly solicit data online from, or market online to, children under 13
years of age.

In this statement, we describe how Amex Bank of Canada, Amex Canada Inc. (Amex
Canada), and our Business Partners and Service Providers offer or participate in
any service or benefit provided in relation to our products or services
(together we, us, our or Amex Canada). We explain how we collect, use, disclose,
and safeguard Personal Information and Other Information. This statement
includes descriptions and examples to help you understand the nature of the
Online Information that we collect, use, disclose and safeguard. This is a part
of the Amex Canada Privacy Code which is Amex Canada’s privacy policy as well as
the Privacy Notice and Consent to Use of Personal Information for your Amex
Canada product or service, if it applies.

Since we may change this online privacy statement, we recommend that you check
the current version available from time to time. If we make changes to this
statement, we will update the “Effective Date” at the top of this page.

What is in this online privacy statement?
 * What information does this online privacy statement cover?
 * What information do we collect online and how do we collect it?
 * How do we use the information we collect about you?
 * How do we share your information?
   * How we treat your Personal Information
   * How we handle Aggregate and De-identified Information
 * How do we keep and safeguard your information?
 * What are your choices?
 * Do you have questions about the online privacy statement?
 * Glossary


What information does this online privacy statement cover?

This online privacy statement describes how we (and our Service Providers) may
collect, use, share, and keep information that we get about you online. We
gather Online Information if you:
 * Visit or use our websites or 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; and
 * Interact with us through social media websites and other websites and apps.


In this statement, we also explain how we may combine Online Information with
Other Information and how we then use the combined information.


What information do we collect online and how do we collect it?

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.


We (and our Service Providers or Third-Party Ad-Servers) also collect
information through Cookies and Similar Technologies. 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.

We (and our Service Providers or Third-Party Ad-Servers) may collect information
using Cookies and Similar Technologies 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
 * 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 help prevent fraud or
   when you register to receive or we otherwise provide location-based content
   on our mobile websites or apps).


We (and our Service Providers or Third-Party Ad-Servers) 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.


How do we use the information we collect about you?

We may use Online Information we collect about you on its own or combine it with
Other Information to:

 * deliver 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.



American Express and our Third-Party Ad-Servers may use Precise Location Data
which may be obtained from a mobile device to deliver Targeted Advertising to
potential customers. 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 an American Express app, that app will
provide you with additional details and choices. Please see What are your
choices about how we market to you? below.

American Express participates 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 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 of these advertising programs, please see What are your choices about
how we market to you? below.



How do we share your information?


Some Online Information is Personal Information.


How we treat your Personal Information

We do not share Personal Information with anyone except as described below. We
may share Personal Information as required or as permitted by 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.


We may transfer Personal Information to Service Providers or companies within
the American Express Family of Companies throughout the world, for example, to
process transactions and provide you with our products or services. Regardless
of where we process your information, we still protect it in the manner
described in this online privacy statement and according to the applicable laws.

[For more information about how Amex Canada uses your Personal Information, see
the Amex Canada Privacy Code which is Amex Canada’s privacy policy, as well as
the Privacy Notice and consent to use personal information for your Amex Canada
product or service, if it applies.]


How we handle Aggregated Information and De-identified Information

Aggregated Information or De-identified Information does not identify you
individually; it helps us to analyze patterns among groups of people. We may
share Aggregated Information or De-identified Information in several ways, for
example:

 * for the same reasons as we might share Personal Information;
 * with Business Partners to help develop and market programs, products or
   services and present targeted content including Targeted Advertising;
 * with Business Partners to conduct analysis and research about customers,
   website and app users; or
 * with Third-Party Ad-Servers to place ads (including ads of our Business
   Partners) on various websites and apps, and to analyze the effectiveness of
   those ads.


How do we keep and safeguard your information?

We use administrative, technical and physical security measures to protect your
Personal Information. These measures include computer safeguards and secured
files and facilities. We take reasonable steps to securely destroy or
permanently de-identify Personal Information when we no longer need it. We will
keep your Online Information only as long as we must to deliver our products and
services, unless we are required by law or regulation or for litigation and
regulatory investigations to keep it.


What are your choices?

You will always have a right to access, update, and change or correct your
Personal Information. If you want to do so or if you have any questions about
how we process your Personal Information, please see the Amex Canada Privacy
Code.

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.




What are your choices about how we market to you?

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 .

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 (e.g.,
Facebook, Google) to deliver Targeted Advertising on those platforms. If you
have not opted out of email marketing with us, we may use your email address as
a basis for serving you Targeted Advertising on these third party platforms. You
may also opt out of Targeted Advertising directly through those third party
platforms.


Do you have questions about the online privacy statement?

If you have any questions about our online privacy statement, please talk to one
of our customer service representatives at Amex Canada Click here for a list of
contact numbers or, write to:


Chief Privacy Officer
Amex Canada
PO Box 3204, STN F
Toronto, Ontario
M1W 3W7




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 online privacy 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.

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 - a cookie is a small data file that a website
transfers to your computer's hard drive. We may place cookies when you visit our
website or another company’s website where our ads appear or when you make
purchases, request or personalize 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 may give us
access to information about your interests. We may use that information to
personalize your experience. Similar technologies such as web beacons, pixels,
gifs, and tags also do the same thing. We use the term Cookies and Similar
Technologies in this statement to refer to all technologies that collect
information in this way.Please click for 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, and other
communications services (email, direct mail, etc.), marketing, data processing,
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
Online Behavioural Advertising. We participate in the Digital Advertising
Alliance of Canada (DAAC) self-regulatory program and adhere to the DAAC
Principles for Online Behavioural Advertising. The DAAC program is designed to
provide information about and greater control over online advertisements. It
also enables you to opt out from online behavioural 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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