Terms and Conditions

American Express Company, its subsidiaries and affiliates (‘American Express’) requires that all users of our online sites, services, tools and applications (‘Online Sites & Services’) adhere to the following rules and regulations. By using the Online Sites & Services you indicate your acknowledgment and acceptance of these terms and conditions.

Laws and regulations

User access to and use of the Online Sites & Services is subject to all applicable federal, state and local laws and regulations.

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.

Hyperlinking

THE ONLINE SITES & SERVICES MAY PROVIDE OR FACILITATE LINKS TO 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 SERVICE VIA ‘INVERSE’ HYPERLINKS AND FRAMING TECHNOLOGY (A ‘LINKED SITE’). AMERICAN EXRESS 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.

No warranties

CONTENT PROVIDED OR DISPLAYED AS PART OF THE ONLINE SITES & SERVICES IS ‘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.

Limitation of liability for use of the Online Sites & Services and linked sites

ANY ERROR OR OMISSION IN ANY OF THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTIONS OF SERVICES PROVIDED OR DISPLAYED AS PART OF THE ONLINE SITES & SERVICES OR A LINKED SITE SHALL BE SUBJECT TO CORRECTION PROVIDED THAT THE CORRECTION DOES NOT MATERIALLY AFFECT THE CONTRACT. AMERICAN EXPRESS MAY MAKE IMPROVEMENTS TO THE ONLINE SITES & SERVICES AT ANY TIME.

AMERICAN EXPRESS, ITS AFFILIATES AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE FOR ANY LOSSES THAT WERE NOT CAUSED BY ANY BREACH OF CONTRACT OR STATUTORY DUTY OR NEGLIGENCE ON THE PART OF AMERICAN EXPRESS AND AMERCIAN EXPRESS SHALL NOT BE LIABLE FOR ANY LOSSES THAT WERE NOT REASONABLY FORESEEABLE TO BOTH PARTIES WHEN THE CONTRACT WAS FORMED. AMERICAN EXPRESS SHALL NOT IN ANY EVENT BE LIABLE FOR LOSSES RELATING TO ANY BUSINESS YOU HAVE (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. NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT AMERICAN EXPRESS' LIABILITY FOR FRAUD OR DEATH OR PERSONAL INJURY CAUSED BY AMERICAN EXPRESS' NEGLIGENCE OR ANY OTHER MATTER FOR WHICH IT WOULD BE ILLEGAL OR UNLAWFUL FOR AMERICAN EXPRESS TO EXCLUDE (OR ATTEMPT TO EXCLUDE) OR LIMIT.

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.Linked internet sites
American Express prohibits caching, unauthorized hypertext links to pages or sites which form part of the 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 pages or sites which form part of the Online Sites & Services is at the user's own risk.

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.

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 go to the American Express website to view such factors contained in American Express’ latest Form 10-K.

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 within the Online Sites & Services.

Postings

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 within the Online Sites & Services 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 offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
• Advertisements or solicitations of any kind.
• 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.
• 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.
• Chain letters of any kind.

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.Please go to the American Express website to view the American Express Internet Privacy Statement

Changes to rules and regulations

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

Violation of rules and regulations

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

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.

Use of 'Cookie' file features

American Express reserves the right to store information on a user's computer in the form of a ‘cookie’ or similar file for purposes of modifying the Online Sites & Services to reflect users' preferences. The American Express Internet Privacy Statement provides additional information regarding American Express' use of cookies as well as procedures for disabling cookies.

Please go to the 'About Cookies' section on the American Express website.

Digital Millennium Copyright Act – Notification to American Express regarding alleged copyright infringement

American Express has registered an agent with the United States Copyright Office in accordance with the terms of the Digital Millennium Copyright Act (the ‘Act’) and avails itself of the protections under the Act. American Express reserves the right to remove any Content within the Online Sites & Services which allegedly infringes another person's copyright. Notices to American Express regarding any alleged copyright infringement of the Online Sites & Services should be directed to American Express' General Counsel's Office Attn.: Technology Counsel at
technologies.group.counsel@aexp.com

Jurisdiction/Governing law

Users of American Express United Kingdom pages submit to the jurisdiction of the English courts and the Online Sites & Services is governed by English law.