Click here to learn:

• Collecting Information About You.
• Using Your Personal Information.
• Using Your E-mail Address.
• Mobile Offers.
• Ads That Link to Our Site.
• Children's Privacy.

Click here to learn:

• How To Opt-In or Opt-Out of E-mail Marketing Offers.
• Additional Opt-Out Methods.
• Access or Changes to Your Information Online.

Click here to read about our site's security measures.

Click here to learn about

• Privacy Statement for American Express Card Holders.
• Exclusion of Financial Products or Services.

When you visit our website, we collect information in order to service your accounts, save you time and better respond to your needs. We use "cookie" technology to collect site statistical information and improve your customer experience. Cookies set by American Express do not capture any personally identifiable information, such as your individual e-mail address.

We automatically collect some statistical data as you browse this website. For example, we automatically collect your "IP address" used to connect your computer to the Internet, browser type and version, operating system and platform, average time spent on our site, pages viewed, information searched for, access times, "clickstream data," and other relevant information about your online experience.

You may browse our Website anonymously by choosing not to provide us with any "personally identifiable information (PII)," such as your name or e-mail address, or choosing not to register during your visits to our sites. When you browse this way, we will not link your online activity with the accounts you may have with us.

American Express may use "Web beacons" to present offers on americanexpress.com and OPENforum.com, other sites on which American Express advertises, or in our e-mails. This enables us to enhance e-mail offers and track website usage. We sometimes use "vendors" and "business partners" to manage web beacons and the data they collect; however, Web beacons do not capture your individual e-mail address or any other personal information that you enter on the American Express site.

Web beacons are sometimes used on AmericanExpress.com and OPENforum.com webpages where transactions take place. In addition, e-mail offers that we send may contain web beacons to help us record response rates and to assist us in measuring the offer's effectiveness. No personally identifiable information such as name, address, telephone number, credit card number, or e-mail address is ever collected or passed via the use of web beacons.

American Express does not sell or share customer information with entities outside of American Express who may want to market to you their own products and services. You don't need to take any action for this benefit. American Express uses your information to process applications, complete transactions, respond to your requests, deliver the products and services in which you enroll or for which you apply, and notify you of promotions, updates, or special offers that we think may interest you. We also use your information to provide you with a more effective customer experience while on our website. In order to do this, we may process your information or combine it with other information that is publicly available. This enables us to customize your American Express experience and provide you with more relevant offers. American Express may also use the information that we collect from you online to market to you through alternative channels.

American Express may share your information within our family of companies; and, to provide services to you, we may share information with carefully selected "vendors" and "business partners" with whom we work. This includes companies that manage accounts; offer affinity, frequent-user, and reward programs; and, companies that perform marketing services and other business operations for us. All companies that act on our behalf are contractually obligated to keep all information confidential and to use the customer information only to provide the services we ask them to perform for you and us.

If you apply for products and services online, we may share information we collect about you with credit bureaus and similar organizations if we have your express consent or when required or permitted by law. To the extent permitted by law, we may disclose personally identifiable information to government authorities or third parties pursuant to a legal request, subpoena, or other legal process. We may also use or disclose your information as permitted by law to perform charge verifications, report or collect debts owed, fight fraud, or protect the legal rights of American Express, our customers, our websites, or its users.

We may use your e-mail address for the following types of e-mail messages:

• Occasional Updates and Valuable Offers. We may send you e-mail updates about our products and services as well as valuable offers from our business partners that we send you on their behalf. For examples of these offers, please visit American Express Selects.
• Regularly Scheduled E-mail Newsletters related to American Express products or services in which you are enrolled.

You can also elect to receive other types of e-mail messages from us, including newsletters, alerts, or notifications.

Please note that even if you opt-out of marketing e-mails, we will continue to send you e-mail service notifications that are related to your account(s). These include e-mails that provide account information, answer your questions about a product or service, facilitate or confirm a sale, or fulfill a legal or regulatory disclosure requirement.

American Express does not sell or share mobile phone numbers with third parties and will only use the information for the specific communication into which you have opted-in.

American Express hires other companies to place our banner ads on other websites and to perform tracking and reporting activities on this site and other websites. This enables us to learn which advertisements and websites bring users to our websites. A unique "cookie," if it exists on your computer, is placed there either by us, an ad management partner, or by another advertiser who works with our ad management partners. However, these companies do not collect personally identifiable information in this manner and we do not give any personally identifiable information to them.

Third-party ad partners have their own privacy policies. If you would like more information about their privacy policies, including information on how to opt-out of their tracking methods, please visit this link.

AmericanExpress.com and OPENforum.com are not intended for use by children. We do not knowingly solicit data online from, or market online to, children under the age of 13. If we obtain personally identifiable information in error on a child under the age of 13 is collected, we will delete that information from our systems.

At the American Express E-mail Marketing Preferences link, you can change your e-mail marketing preferences to opt-out of marketing offers from American Express.

If you have opted-in to receive certain marketing e-mails from American Express, but decide that you no longer wish to subscribe, please follow the instructions that are located at the bottom of those e-mail messages in order to opt-out

You may also opt-out of e-mail marketing by mail or telephone.

By Mail:
P.O. Box 299836
Ft Lauderdale, FL 33329-9836

By Telephone:
Call (800) 297-8378 to opt-in or opt-out of American Express marketing offers.

American Express Card Members may also call the phone number listed on the back of your Card(s).

If you wish to make an adjustment to your online profile, please use your User ID and Password to log-in on our homepage . You will then have access to your personal information under the My Profile section, and can correct or update your data.

In addition to the protections that we provide through our Online Privacy Statement, your online activities may also be covered by one of our Privacy Notices, which is sent to you annually depending on which card(s) you may have. This Statement explains our collection, use, retention, and security of consumer information and applies to American Express products and services offered within the United States.

The American Express Online Privacy Statement is not intended to be a legal notice for any American Express financial product or service. Certain financial products and services require a more specialized type of legal privacy notice, which provides specific details about particular personal financial products or services.

This Online Privacy Statement sets out our company policy regarding the collection and use of customer information on this website and applies to all services and pages available under the domain AmericanExpress.com and OPENforum.com.

To see the changes that we've made to this statement, go to Changes to Our Online Privacy Statement.

At American Express:

• WE COLLECT ONLY CUSTOMER INFORMATION THAT IS NEEDED, AND WE TELL CUSTOMERS HOW WE USE IT. We limit the collection of information about our customers to what we need to know to administer their accounts, to provide customer services, to offer new products and services, and to satisfy any legal and regulatory requirements. We also tell our customers about the general uses of information we collect about them, and we will provide additional explanation if customers request it.
• WE GIVE CUSTOMERS CHOICES ABOUT HOW THEIR INFORMATION WILL BE USED. Our businesses give customers "opt out" choices about how information about the customer's relationship with that business unit may be used to generate marketing offers. These marketing choices include product and service offers from American Express businesses and those made by our business partners. Of course, each of our businesses will continue to send its customers information relating to products or services they receive from that business.
• WE ENSURE INFORMATION QUALITY. We use advanced technology, documented procedures and internal monitoring practices to help ensure that customer information is processed promptly, accurately and completely. We will respond in a timely manner to customers' requests to correct inaccurate account or transaction information. We also require high standards of quality from the consumer reporting agencies and others that provide us with information about prospective customers.
• WE USE PRUDENT INFORMATION SECURITY SAFEGUARDS. We limit access to customer information systems to those who specifically need it to conduct their business responsibilities, and to meet our customer servicing commitments. We employ safeguards designed to protect the confidentiality and security of our customer information.
• WE LIMIT THE DISCLOSURE OF CUSTOMER INFORMATION. We do not disclose customer information unless we have previously informed or been authorized by the customer, or we do so in connection with our efforts to reduce fraud or criminal activity and to comply with regulatory requirements and guidelines. When a court order or subpoena requires us to release information, we typically notify the customer to give the customer an opportunity to exercise his or her legal rights. Further, we will not disclose or use health information for marketing purposes or use it as a basis to make credit decisions.
• WE ARE RESPONSIVE TO CUSTOMERS' REQUESTS FOR EXPLANATIONS. If we deny an application for our services or end a customer's relationship with us, to the extent permitted by applicable law, we will provide an explanation, if requested. We state the reasons for the action taken and the information upon which the decision was based, unless the issue involves potential criminal activity.
• WE HOLD OURSELVES RESPONSIBLE FOR OUR PRIVACY PRINCIPLES. Each American Express employee is responsible for maintaining consumer confidence in the company. We provide training and communications programs designed to educate employees about the meaning and requirements of these Customer Privacy Principles. Employees who violate these Principles are subject to disciplinary action, up to and including dismissal. Employees are expected to report violations, and may do so confidentially, to their manager, to their business unit's compliance officer, or to the company's Office of the Ombudsperson.

We also conduct internal assessments of our privacy practices and periodically commission outside expert reviews of our compliance with the Privacy Principles and the specific policies and practices that support these Principles.

• WE EXTEND THESE PRIVACY PRINCIPLES TO OUR BUSINESS RELATIONSHIPS. We require companies we select as our business partners to agree to keep our customer information confidential and secure, to protect the information against unauthorized access, use, or redisclosure by the recipient company, and limit its use to the purposes for which it was provided to them.

We also encourage our business partners to respect their customers' information by adopting strong and effective privacy policies and practices, including offering "opt out" choices for marketing offers to their customers.

In addition, we participate actively in industry associations to advocate development of comprehensive privacy policies and implementation strategies.

American Express is a diversified worldwide travel, financial and network services provider founded in 1850. The company is a leader in charge and credit cards, stored value products, travel services, financial planning, investment products, insurance and international banking. In each of these businesses, we have relationships with customers - individuals to whom we provide personal financial products and services. As a part of these customer relationships, we collect information necessary to enroll customers in products and services, to provide the services they have selected, to administer their accounts, and to offer them related or additional American Express products and services.

Because we strongly advocate the protection of customer information, we believe that the adoption and implementation of the following American Express Customer Privacy Principles makes good business sense and will serve the interests of our customers in effective privacy protection.

Our Customer Privacy Principles were first published in 1991, and they were modified in 1997. We are republishing these Principles now to reiterate our commitment and simplify the language.

These Customer Privacy Principles guide our conduct in the collection, use, release, and security of customer information. They outline the responsibilities we assume as employees and our expectations of business partners.

In working with our partners and vendors to identify customers and prospective customers for marketing purposes, we require strict contractual obligations regarding information use and security, including our right to audit those partners and vendors to ensure that they are adhering to our privacy requirements.

• These Principles define our commitment to protect the privacy of our customers. Each American Express business unit may also maintain its own policies and practices, which are fully consistent with these Principles. In those jurisdictions that call for additional information practices, our policies and practices will meet the requirements of applicable law.

Changes to our Internet Privacy Statement will be noted here so that you can be fully informed about the privacy protections we provide and your choices with regard to our use of personal information for marketing purposes.

Changes to the Internet Privacy Statement Effective July 1, 2004

Changes to the Internet Privacy Statement Effective April 15, 2004

Changes to the Internet Privacy Statement Effective December 19, 2002

Changes to the Internet Privacy Statement Effective January 28, 2002

Changes to the Internet Privacy Statement Effective January 3, 2002

Changes to the Internet Privacy Statement Effective June 15, 2001

Changes to the Internet Privacy Statement Effective June 1, 2001

Changes to the Internet Privacy Statement Effective March 8, 2001

Changes to the Internet Privacy Statement Effective July 25, 2000

Changes to the Internet Privacy Statement Effective September 8, 2000