Privacy Statement

AMERICAN EXPRESS MALAYSIA 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 your personal information on our Web site.

INFORMATION COLLECTION

What Happens When You Are Browsing?

If you are not registered for any online service from American Express, you browse www.americanexpress.com.my anonymously. We do not collect personal information -- such as your name, address, phone number or E-mail address -- if you are only browsing this site. American Express does, however, use "cookies" to collect information about how our site is used. Information, such as the server your computer is logged onto, your browser type (for example, Netscape or Internet Explorer), and whether you responded to an American Express banner ad or E-mail is collected and tracked in aggregate and not linked to you personally. We use this information to measure response rates to banner ads and E-mail offers. If you would like to learn more about cookies, please read About Cookies for more information. 

What Happens When You Give Information To Us?

Registration for Online Products and Services

If you want to apply for or take advantage of our online products or services, we will need you to give us some personal information, including your E-mail address and account number. We only collect information about you which we need to process your application, to service your accounts and other needs, to offer new products and services, and to satisfy legal requirements. We will also use this information for purposes such as correspondence, site registration, allowing you to check your statement or other account details online, to make a purchase, or to participate in online surveys etc. We will also share such information with our affiliates and other for the purposes described elsewhere in this Statement. 

Quality of Information

We use advanced technology, documented employee procedures and internal monitoring to help ensure that your personal information is accurate and up-to-date. In addition, we require high standards of quality from credit reporting agencies and others who provide us with information about prospective customers or other services. 

SECURITY

Before you can send confidential personal information or account information to us on an American Express Web site, we require that a "secure session" is set up using Secure Socket Layer (SSL). For further information about SSL and the safety and confidentiality of personal information transmissions over the Internet, please read our Security Q&A. Whenever we handle your personal information, we limit access to customer information to those who need it to do their jobs and meet our customer servicing commitment to you. We use a range of security processes to protect the confidentiality and security of your personal information. 

INFORMATION USE

We use your information to process your application or to provide the products and services you have requested. 

How We Can Customize Your Online Experience

If you are a registered user of an American Express online services, we may now or at some time in the future combine information about your use of www.americanexpress.com.my and our online service with other online and offline information we have about you as an American Express customer as well as information lawfully available from other organizations. We will use this combined information to customize your online experience and present you with relevant online and offline offers and updates. We also use a "cookie" to enable our server to recognize you as a registered American Express online service user when you re-enter our site. If you would like to learn more about cookies, please read About Cookies for more information. 

What Else Do We Do With Information We Obtain?

We may also use your information to measure consumer interest in our services and inform you about other products and services. For example, if we obtain your email address we may use it to send you offers we think you might be interested in. These offers may be based on information you provided in your initial transaction with us, or in surveys, from information that may indicate purchasing preferences and lifestyle, as well as information lawfully available from other organizations. These E-mail offers come directly from American Express. 

When we send you E-mails, we may be able to identify information about your E-mail address, such as whether you can read graphic-rich html E-mails. If your E-mail address is html-enabled, we may choose to send you graphic-rich html E-mails. 

DECLINING OFFERS BY E-MAIL

What Do I Need To Do If I Do Not Want To Receive E-mail Offers?

We hope that many customers will appreciate receiving details of these carefully designed opportunities. However, we clearly recognise the importance of providing you with the choices by giving you an easy means to "Opt Out" from receiving E-mail offers. You can "Opt Out" at any time by clicking on the "How to Decline E-mail" link below or reply to the E-mail and type "Remove" in the subject line. 

How to Decline Email 

If you have any questions regarding our Privacy Statement please forward your enquiry to the following address : 

Malayan Banking Berhad (3813-K) Maybankard Centre, 7th Floor Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur 

DISCLOSURE OF INFORMATION POLICIES

Do We Share Information About You?

American Express has had a long-standing commitment to protecting personal information of our customers and prospective customers. This section explains how we share your personal information with others.

Other American Express Companies

We may share information about you within the American Express Group of Companies so we can provide you with products and services you request and bring you information about other American Express products and services. This may involve providing your personal information to other American Express companies both inside and outside Malaysia, including the USA and Australia, for processing, servicing or marketing purposes. All American Express Companies comply The American Express Customer Privacy Principles and with security procedures which are similar to those described above in Security. 

Companies Who Provide Services To Us

In some cases we contract with other companies to perform services for us. Examples of this include processing applications, sending E-mail, processing orders, providing marketing support, deliveries, market research, debt collection agencies etc. We provide them only with such information about you as they need to perform their services, but we impose strict requirements of security and confidentiality on them in how they handle your personal information. Also they are not permitted to use information about you for any purpose except to perform the services we have asked them to provide. 

Our Business Partners

We may send you offers by E-mail or other direct marketing methods (i.e. mail, fax or phone) about products and services offered by our business partners. When we do this, we keep control over your information, which is not disclosed to our business partners unless you have expressly authorized us to do so or you take advantage of their offer.

IMPORTANT NOTE : Please note that we do not give your E-mail address to our business partners. 

Please keep in mind that if you take advantage of an offer from an American Express business partner and become their customer, they may independently wish to send offers to you. In this case, you will need to inform them separately if you do not wish to receive future offers from them.

In all cases our goal is to deliver offers to people who we believe will find them of value. Our communications are developed and managed under strict conditions designed to safeguard the security and privacy of customer personal information. 
Click here if you wish to "Opt Out" of receiving offers by E-mail: How to Decline Email 

Credit Reporting

Credit information about you may be obtained from and provided to credit information organisations in accordance with applicable legal requirements (applicable to American Express account holders in Malaysia only). 

Other Disclosure of Information

In all other cases, we will not disclose your personal information unless you have been previously informed or have authorised us to so do, or if we are required to do so by law. If an order of a court or government authority requires us to disclose information about you, we will do our best to notify you of this promptly, to give you an opportunity to exercise your legal rights. The only exceptions to this policy are when the order or law prohibits us from notifying you or when there is suspicion of fraud or criminal activity. We will not use any medical information for marketing purposes.

HOW LONG DO WE KEEP INFORMATION

We will keep information for as long as it is necessary to service your account or to continue to provide products and services you have requested. We will retain information for a reasonable period if you cease to be our customer, unless the law requires us to keep it for longer. 

CHILDREN

We do not use www.americanexpress.com.my to knowingly solicit information from or market to children or young persons under the age of 18. 

YOUR RIGHTS TO AN EXPLANATION

If we deny an application for our services or end a customer's relationship with us, to the extent permitted by applicable laws, we provide an explanation, if requested. We state the reasons for our action and the information upon which our decision was based, except where there are legal reasons not to do so, for example where there is suspicion of criminal activity. 

YOUR RIGHTS OF ACCESS AND CORRECTION

You can contact us at any time if you would like details of any personal information we may hold about you or if you would like us to correct it. Depending on the nature of your request, we may ask you to complete a personal data access form. In some cases, we may charge you a service fee for providing this information, but we will inform you of this at the time.

Malayan Banking Berhad (3813-K) Maybankard Centre, 7th Floor Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur 

COMPANY COMMMITMENT TO PRIVACY

In keeping with our long-standing leadership in consumer privacy protection, American Express is actively involved with current industry initiatives to protect individual privacy rights on the Internet and in all aspects of electronic commerce. For additional information about our commitment to protecting the privacy of our customers both online and offline, please read the American Express Customer Privacy Principles. The American Express Customer Internet Privacy Statement applies these Principles to our online customers. This Privacy Statement applies only to American Express' Malaysia customers and Malaysia visitors to our website. If you are a Malaysia customer and have questions about this Privacy Statement or your account or our information handling policies, you can write to: 

Malayan Banking Berhad (3813-K) Maybankard Centre, 7th Floor Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur 

CUSTOMER CHOICE - DIRECT MAIL AND TELEMARKETING

If you do not want to receive American Express mail or telemarketing offers in Malaysia, if you would like information about your account, or if you have a question or concern about the way we handle your personal information, please call the customer service telephone number listed on your account statement. 

LINKED INTERNET SITES

You should be aware that other Internet sites to which you link from www.americanexpress.com.my contain privacy provisions that differ from this Internet Privacy Statement 

CHANGES TO THE INTERNET PRIVACY STATEMENT - MALAYSIA

We will use this space to note changes to our Internet Privacy Statement, to keep you fully informed about how we protect your privacy and your choices about our use of your personal information for marketing. 

Date Last Revised: November 2008