American Express Online Terms and Conditions

User access to and use of the Online Sites & Services is subject to all applicable regulations.

1. Copyright Trademarks

The trademarks, logos and service marks ("Marks") displayed as part of the Online Sites & Services are the property of American Express and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of American Express or such third party which may own the Marks. All information and content including any software programs available on or through the Online Sites & Services ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Online Sites & Services for commercial or public purposes.

2. Hyperlinking

THE ONLINE SITES & SERVICES MAY PROVIDE OR FACILITATE LINKSTO OTHER SITES BY ALLOWING THE USER TO LEAVE THE ONLINE SERVICE TO ACCESS THIRD-PARTY MATERIAL OR BY BRINGING THE THIRD-PARTY MATERIAL INTO AN ONLINE SERVICEVIA INVERSEHYPERLINKS AND FRAMING TECHNOLOGY (A LINKED SITE. AMERICAN EXPRESS HAS NO DISCRETION TO ALTER, UPDATE, OR CONTROL THE CONTENT ON A LINKED SITE. THE FACT THAT AMERICAN EXPRESS HAS PROVIDED A LINK TO A SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP, OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS, OR ITS PROVIDERS. THERE ARE INHERENT RISKS IN RELYING UPON USING, OR RETRIEVING ANY INFORMATION FOUND ON THE INTERNET, AND AMERICAN EXPRESS URGES YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RELYING UPON, USING, OR RETRIEVING ANY SUCH INFORMATION ON A LINKED SITE.

3. No Warranties

CONTENT, PROVIDED OR DISPLAYED AS PART OF THE ONLINE SITES & SERVICES ”AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. AMERICAN EXPRESS DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH AN ONLINE SERVICE BY ANY PARTY OTHER THAN AMERICAN EXPRESS (B) ANY CONTENT PROVIDED ON LINKED SITES OR (C) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL AMERICAN EXPRESS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH AN ONLINE SERVICE OR A LINKED SITE, OR USER'S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH AN ONLINE SERVICE, OR OBTAINED FROM A LINKED SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE, OR OTHER CONTENT.

4. Limitation of Liability for Use of the Online Sites & Services and Linked Sites

THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTIONS OF SERVICES PROVIDED OR DISPLAYED AS PART OF THE ONLINE SITES & SERVICES OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND AMERICAN EXPRESS SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. AMERICAN EXPRESS DOES NOT WARRANT OR REPRESENT THAT THE CONTENT TPROVIDED OR DISPLAYED AS PART OF THE ONLINE SITES & SERVICE IS COMPLETE OR UP-TO-DATE. AMERICAN EXPRESS IS UNDER NO OBLIGATION TO UPDATE ANY CONTENT PROVIDED OR DISPLAYED AS PART OF THE ONLINE SITES & SERVICES. AMERICAN EXPRESS MAY CHANGE THE CONTENT PROVIDED OR DISPLAYED AS PART OF THE ONLINE SITES & SERVICES AT ANY TIME WITHOUT NOTICE. AMERICAN EXPRESS MAY MAKE IMPROVEMENTS OR CHANGES TO THE ONLINE SITES & SERVICES AT ANY TIME.

YOU AGREE THAT AMERICAN EXPRESS, ITS AFFILIATES AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE ONLINE SITES & SERVICES OR A LINKED SITE, OR WITH THE DELAY OR INABILITY TO USE THE ONLINE SITES & SERVICES OR A LINKED SITE, EVEN IF AMERICAN EXPRESS IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (e.g., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOUR PROBLEMS OR ANY FORCE MAJEURE. AMERICAN EXPRESS CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE ONLINE SITES & SERVICES.

5. Limitation of Liability for Services Arranged Through the Online Sites & Services

YOU AGREE THAT AMERICAN EXPRESS IS A MERE AGENT FOR THE PROVIDERS OF SERVICES AVAILABLE THROUGH THE ONLINE SITES AND SERVICES, INCLUDING BUT NOT LIMITED TO TRAVEL SERVICES. ANY AND ALL CLAIMS REGARDING ANY FAILURE OR BREACH WITH RESPECT TO ANY SERVICES OFFERED ARE LIMITED TO CLAIMS AGAINST ANY AND ALL SERVICE PROVIDERS. AMERICAN EXPRESS HEREBY DISCLAIMS ANY LIABILITY, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OUR INDIRECT DAMAGES, IN CONNECTION WITH THE GOODS OR SERVICES PROVIDED BY ANY CARRIER OR OTHER SUPPLIER THROUGH THE ONLINE SITES AND SERVICES , INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY ACT, ERROR, OMISSION, INJURY, LOSS, ACCIDENT, DELAY OR IRREGULARITY WHICH MAY BE INCURRED THROUGH THE FAULT, NEGLIGENT OR OTHERWISE, OF SUCH CARRIER OR SUPPLIER AND YOU HEREBY EXONERATE AMERICAN EXPRESS FROM ANY LIABILITY WITH RESPECT TO THE SAME.

6. Confidentiality of User Communications

Except as required by law and in accordance with the American Express Internet Privacy Statement. American Express will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to American Express. Postings by a user on any message board or in any chat room will not be protected as confidential and American Express may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by American Express.

7. Linked Internet Sites

American Express prohibits caching, unauthorized hypertext links to the pages or sites which Online Sites & Services and the framing of any Content available through the Online Sites & Services. American Express reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the pages or sites which form part of the Online Sites & Services. Access to any other Internet sites linked to the Site is at the user's own risk. User should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. American Express is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions

8. No Investment Advice or Offers

Nothing in the Online Sites & Services constitutes investment advice, including American Express ' filings with the Securities and Exchange Commission. American Express provides investor relations materials for convenience and information only. In addition, investor relations materials and other content or information which form part of the Online Sites & Services are not offers to sell or solicitation of an offer to buy any security.

9. Forward Looking Information

Certain information provided or displayed within the Online Sites & Services contains certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words "believe", "expect", "anticipate", "optimistic", "intend", "aim", "will" or similar expressions are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made. American Express undertakes no obligation to update publicly or revise any forward-looking statements. Important factors that could cause actual results to differ materially from the company's forward-looking statements are described in American Express' periodic reports, including the Annual Report on Form 10-K, quarterly reports on Form 10-Q filed with the Securities and Exchange Commission and the Annual Report to Shareholders.

Please click here to view such factors contained in American Express' latest Form 10-K

10. Press Releases

All press releases and other materials presented or released to the financial community that are contained within the Online Sites & Services were, to the best of American Express knowledge, timely and accurate when issued. However, the passage of time can render information stale, and you should not rely on the continued accuracy of any such material beyond the date of issuance. American Express has no responsibility to update any information contained in any such material. All viewers should carefully check the dates of issuance of the material contained.

11. Postings

[For use in connection with message boards or chat rooms within the Online Sites & Services] American Express is under no obligation to review any messages, information or content ("Postings") posted within the Online Sites & Services by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, American Express may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain:

* Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any applicable law.

* Advertisements or solicitations of any kind. [Note - This is not applicable for those Sites with message boards containing classified advertisements.]

* Messages posted by users impersonating others.

* Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.

* Messages by non-spokesperson employees of American Express purporting to speak on behalf of American Express or containing confidential information or expressing opinions concerning American Express.

* Messages that offer unauthorized downloads of any copyrighted or private information.

* Multiple messages placed within individual folders by the same user restating the same point.

12. Transmission of Personal Data

User acknowledges and agrees that by providing American Express with any personal or proprietary user information through the Online Sites & Services, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with American Express' standard business practices.

View American Express Internet Privacy Statement

View American Express Privacy Code

13. Changes to Terms and Conditions

American Express reserves the right to revise these terms and conditions at any time and users are deemed to be apprised of and bound by any changes to these terms and conditions

14. Violation of Terms and Conditions

American Express reserves the right to seek all remedies available at law and in equity for violations of these terms and conditions, including the right to block access from a particular Internet address to the Online Sites & Services.

15. Access to Password Protected / Secure Areas

Access to and use of password protected and/or secure areas of the Online Sites & Services is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Online Sites & Services may be subject to prosecution.

16. Use of “Cookie” File Features

American Express Internet Privacy Statement provides additional information regarding American Express' use of cookies as well as procedures for disabling cookies.

View American Express Internet Privacy Statement, "about Cookies"

17. Jurisdiction/Governing Law

Users of American Express Canada Online Sites & Services submit to the jurisdiction of the courts of the Province of Ontario, Canada and the Online Sites & Services are governed by the applicable laws of the Province of Ontario and the federal laws of Canada without regard to conflicts of laws principles.

18. Additional Agreements

These terms and conditions are in addition to any specific terms and conditions that apply to any specific product or service and such specific terms and conditions will take precedence in the event of a conflict between these terms and conditions and such specific terms and conditions.

American Express Internet Privacy Statement

Protecting your privacy is important to us. We hope the following statement will help you understand how American Express collects, uses and safeguards the personal information you provide us on our Web site.

Trademarks

Click here to find out more about American Express Canada Copyrights, Servicemarks, and Trademarks.

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