American Express®
Online Privacy Statement - Singapore

The type of information we collect depends on the product or service you use.

In some cases, you provide us with this information directly. You disclose information such as your name, date of birth, address, phone number, and email when you:

• Apply for an American Express product or service online.
• Access our online account services.
  
• Book a flight through American Express Travel or purchase something on our websites.
• Enroll in an Amex Offer, participate in a promotion, or take one of our surveys.
  

If you apply for an American Express Card online, we may collect more detailed personal information such as:

• Your employment details.
• Your income.

We’ll only collect personal information for legitimate business purposes.

Cookies and Similar Technologies

We also collect information through Cookies and Similar Technologies when you use our online services or access content online.

A cookie is a small data file that a website transfers to your computer. Similar technologies include clear GIFs, web beacons, and pixel tags, which tend to be transparent images on websites. Our Cookies and Similar Technologies collect information about your device, operating system, and web browser. They also collect information about your use of the device.

Cookies and Similar Technologies collects information that includes:

• The operating system or type of device you use to open emails from American Express.
• Information related to your IP address, such as your domain, internet provider, and general geographic location.
• How you use our websites and apps, such as what you search for on our websites and apps, the pages you view, how long you stay, and how often you visit them.
• How you search for our websites or apps, which website or apps directed you to us, and, in some cases, if you’ve visited a website operated by one of our business or commercial partners.
• Ads or online content created by American Express or our business and commercial partners that you view, access, or click.
• Whether you open our emails, which sections you click, and how often you open them.
• If you use your mobile device to access our products or services, we may collect information related to that device, such as your location.

Other Sources of Information

We may collect your information from other sources in accordance with product or service-specific privacy notices we’ll send you. For example, in accordance with your Card Member Privacy Statement, we may collect information from your Card transactions, publicly available records and databases, or third-party sources, such as credit bureaus. We may combine this other information with the information we collect under this statement.

We use information about you in a number of ways. We’ll use it to

• Deliver and improve our products and services.
• Process your application for one of our products or services, process and complete transactions, let you know about new features and benefits, and manage your accounts.
• Recognize you and your device in order to better communicate more effectively.
• Determine whether you may be interested in new products or services.
• Conduct digital advertising and market our products and services, along with those of our commercial and business partners, as described in the Digital Advertising section below.
• Conduct research to better understand our online visitors, customers, and Card Members.
• Send you marketing information or communications where you have provided your consent to us for the same, and with such consent, we may provide you with marketing, advertising and promotional information, materials and/or documents relating to products, services, lucky draws, promotions and/or events (including those of third party organisations which we collaborate with), whether existing now or created in the future.
• Request feedback or reviews about our products and services, along with those of our commercial and business partners.
• Analyze the effectiveness of our advertising and marketing campaigns.
• Manage our business risks, such as fraud and credit and security risks.
• Review and process your application for one of our products or services.
• Manage your existing products or services.
• Detect and prevent fraud or criminal activity in order to safeguard your accounts.
• We may use automated systems to help us make certain decisions, process card applications, manage fraud, and assess security risks.
• When using your information as above, we may utilise Artificial Intelligence and Data Analytics ("AIDA") technologies as part of our decision-making process.
• We’ll also perform other duties required or permitted by law, or with your consent.
  

Digital Advertising

We advertise through our websites and apps, as well as third-party platforms. We may use your information to serve your devices marketing content or ads across tailored to your interests and general geographic location. Here are some ways this works:

• We use online behavioral advertising to collect information through Cookies and Similar Technologies regarding your online behavior over time and across different websites. Then, we use this information to serve you content or ads tailored to your interests.
• We may also provide content on social media sites and participate in targeted advertising campaigns on these platforms.
• If you follow our social media pages or “like” content on these platforms, we may use your information to improve what and how we serve content to you on social media.
• Keep in mind, we don’t own these websites and apps, and are required to use your information only in ways that are consistent with the privacy policies and Terms & Conditions of these platforms.

We may disclose information about you when necessary. We could disclose information to:

• Providers who perform services for us that include printing, mail, advertising and marketing. We require all of such service providers to protect personal information according to our standards and use it only for the purposes we allow.
• Regulatory authorities, courts, and governmental agencies, in order to comply with legal or regulatory requirements, assist in legal or regulatory investigations, and protect the rights of American Express or others.
• Companies within the American Express group.
• Business or commercial partners – other financial institutions, loyalty programs, travel partners, and certain advertising partners with whom we offer or develop products and services.
• Necessary parties involved in the sale of all or part of a company in the American Express group, or its assets.
• Other relevant third parties, as required or permitted by law or with your consent.

Cross-Border Transfers of Personal Information

We may need to transfer personal information to other countries with different data protection laws, in order to provide you with our products or services, unless it’s restricted by applicable law. Keep in mind, no matter where we process personal information about you, we’ll always protect it in the manner described in the Data Protection and Privacy Principles, this Statement, and in accordance with applicable laws.

We sometimes process information so that it no longer identifies any individual. This is referred to as aggregated and anonymized information. We use aggregated and anonymized information to:

• Analyze patterns among groups of people, such as Card Members and online users.
• Create business insights or statistical research reports.
• Improve our advertising and our business. 
  

We sometimes share aggregated and anonymized information with third parties, for many of the same reasons mentioned above.

We use administrative, organizational, technical, and physical security measures to protect the confidentiality, integrity, and availability of your personal information. Here’s what you should know:

• These measures include technological safeguards and appropriate access controls to data and facilities. 
• We take reasonable steps to securely destroy or de-identify your personal information when we no longer need it.
• We keep personal Information for only as long as necessary to provide you with products or services – unless we’re required or permitted to keep it for longer by law, regulation, or for litigation or regulatory investigations.

Subject to applicable laws, you may have the right to access, updateand/or correct personal information in certain instances. They include:

• Requesting details on the personal information we have about you and to update and correct such information.
• Requesting details on the use or disclosure of personal information by us within a year before the date of the request.
• Withdrawing your consent for direct marketing at any time.
  

Please make such requests by writing to the Data Privacy Officer, American Express International Inc., 1 Marina Boulevard, #22-00 One Marina Boulevard, Singapore 018989.

You have the power to make choices about how American Express uses your information for marketing and advertising purposes. We work with a range of advertising partners including ad networks, ad servers, and social media platforms to serve you our ads online. Your choices may vary, depending on whether we’re serving you ads through websites, email, apps, or social media.

• You can change your cookie preferences in your Browser (for example, Chrome, Safari or Internet Explorer) or your mobile device settings to limit the ways in which cookies may be used to collect and use information about you. Click here for more information.
• If you delete cookies, buy a new device, access websites from a different device, or change browsers, you’ll need to opt-out again.
• If you opt out of cookies, we may still show you advertising related to our products or services, but it won’t be based off of any of your personal information.
• You can adjust how we use your information through your mobile device settings – for example, you can turn off location-based services and device ad tracking.
• If you wish to unsubscribe or withdraw your consent to receiving direct marketing communications from us, you can do so by:
  • Clicking unsubscribe on the bottom of an email and following the instructions,going to https://global.americanexpress.com/privacy/singapore/#/ipp  or visiting http://www.americanexpress.com.sg/mychoice (if you are a cardmember).
  • Writing to the Data Privacy Officer, American Express International Inc., 1 Marina Boulevard, #22-00 One Marina Boulevard, Singapore 018989.
    

Keep in mind, even if you unsubscribe from or withdraw your consent to direct marketing, we’ll still communicate with you in order to service your account, fulfill your requests, or administer a promotion or program you’ve opted to be part of.

If you have any questions about this statement, feel free to get in touch at the number on the back of your Card. You can update your personal information by logging into your account online or in your Amex® App anytime. We’re here for you 24/7.

You may also direct your queries in writing to:

Data Privacy Officer

American Express International Inc.

1 Marina Boulevard #22-00

One Marina Boulevard

Singapore 018989

We may change this statement when necessary. Depending what we change, we may let you know in advance. Whenever we make any changes, we’ll update the “Effective Date” at the top of this page. Any changes to this statement will become effective immediately when posted. When you continue to use our products and services following an update, it will indicate that you accept the revised statement.