Cardmember Information and Consent. You authorise us and our affiliates to make all/any credit investigations we deem appropriate to evaluate and satisfy ourself about any information either provided by you or available to us. We may ask consumer reporting, reference schemes or Banks for consumer reports of your credit history, and information concerning your Account may be furnished by us to consumer reporting or reference schemes, Banks, Credit Information Companies (CICs) as authorised by Reserve Bank of India or other creditors. We may exchange any information we receive about you with our affiliates, including any credit or other information we may obtain from your application or consumer reports for marketing and administrative purposes, or as required by law, or to share such information with each other. We may disclose information about you and your Card Account to (a) companies within the American Express group of companies worldwide (including other organisations who issue the Card) (b) to any other party whose name or logo appears on the Card issued to you (c) to our suppliers and (d) to organisations who accept the Card in payment of goods and/or services purchased by you in order to administer and service your Account, process and collect Charges on it and manage the benefits or insurance programmes in which you are enrolled. We may also be required to disclose and accordingly furnish details of your Account to Credit Information Companies (CICs) as authorised by Reserve Bank of India or at the request of the Reserve Bank of India and/or any other statutory authority or officials of the Government of India or any State Government in India. From time to time we may monitor telephone calls between you and us to assure the quality of our customer service. If you believe that any information we hold about you or information we provided to a consumer reporting or reference scheme is incorrect, please write to us at the address (mentioned on last page of this document). Any information that we find to be inaccurate will be corrected promptly.
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Samples: Terms and Conditions Cardmember Agreement, Terms and Conditions Cardmember Agreement
Cardmember Information and Consent. You authorise us and our affiliates to make all/any credit investigations we deem appropriate to evaluate and satisfy ourself about any information either provided by you or available to us. We may ask consumer reporting, reference schemes or Banks for consumer reports of your credit history, and information concerning your Account may be furnished by us to consumer reporting or reference schemes, Banks, Credit Information Companies (CICs) as authorised by Reserve Bank of India or other creditors. We may exchange any information we receive about you with our affiliates, including any credit or other information we may obtain from your application or consumer reports for marketing and administrative purposes, or as required by law, or to share such information with each other. We may disclose information about you and your Card Account to (a) companies within the American Express group of companies worldwide (including other organisations who issue the Card) (b) to any other party whose name or logo appears on the Card issued to you (c) to our suppliers and (d) to organisations who accept the Card in payment of goods and/or and/ or services purchased by you in order to administer and service your Account, process and collect Charges on it and manage the benefits or insurance programmes in which you are enrolled. We may also be required to disclose and accordingly furnish details of your Account to Credit Information Companies (CICs) as authorised by Reserve Bank of India or at the request of the Reserve Bank of India and/or any other statutory authority or officials of the Government of India or any State Government in India. From time to time we may monitor telephone calls between you and us to assure the quality of our customer service. If you believe that any information we hold about you or information we provided to a consumer reporting or reference scheme is incorrect, please write to us at the address (mentioned on last page of this document). Any information that we find to be inaccurate will be corrected promptly.
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Cardmember Information and Consent. You authorise us and our affiliates to make all/any credit investigations we deem appropriate to evaluate and satisfy ourself about any information either provided by you or available to us. We may ask consumer reporting, reference schemes or Banks for consumer reports of your credit history, and information concerning your Account may be furnished by us to consumer reporting or reference schemes, Banksbanks, Credit Information Companies (CICs) as authorised by Reserve Bank of India or other creditors. We may exchange any information we receive about you with our affiliates, including any credit or other information we may obtain from your application or consumer reports for marketing and administrative purposes, or as required by law, or to share such information with each other. We may disclose provide information about you and your Card Account relating to credit history/repayment record to a credit information Company, specifically authorised by the RBI in terms of the Credit Information Companies (Regulation) Act, 2005 Being a Scheduled Commercial Bank, American Express Banking Corp., India (AEBC) / (Bank) is legally obligated to (ai) companies within disclose/report/share/receive Credit Information/Financial Information pertaining to its Cardmembers to Central Repository of Information on Large Credits (CRILC) constituted by the American Express group Reserve Bank of companies worldwide India (including other organisations who issue the Card) (b) to any other party whose name or logo appears on the Card issued to you (c) to our suppliers and (d) to organisations who accept the Card in payment of goods and/or services purchased by you in order to administer and service your AccountRBI), process and collect Charges on it and manage the benefits or insurance programmes in which you are enrolled. We may also be required to disclose and accordingly furnish details of your Account to Credit Information Companies (CICs) as authorised by Reserve established under the Credit Information Companies (Regulation) Act, 2005 and to the Information Utilities (IUs) established under the Insolvency and Bankruptcy Code, 2016. AEBC hereby informs the Cardmembers that the Bank of India shall be reporting Credit Information/ Financial Information (positive and / or at negative) pertaining to the request of the Reserve Bank of India and/or any other statutory authority or officials of the Government of India or any State Government in India. From account from time to time to the aforesaid institutions to disseminate Credit Information/Financial Information as stipulated under the aforesaid laws / regulations. Adverse reporting to the aforesaid institutions can adversely affect Cardmembers’ credit score / credit rating and further impact servicing of their existing financial facilities and / or the prospect of securing financial facilities from other Banks / Financial Institutions; (ii) disclose/report/share/receive Credit Information/Financial Information and other information including "Personal information" and/or “Sensitive personal data or information” as provided under the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules 2011 (the “Indian Privacy Rules”), to / from the RBI, other regulators, courts, tribunals, arbitral tribunals, judicial and quasi-judicial bodies, governmental agencies, law enforcement agencies /instrumentalities of State and Central Government such as, but not limited to, the Financial Intelligence Unit – India, Directorate of Enforcement, the Central Bureau of Investigation (CBI), the police and other departments/agencies and a any other institutions / authorities established under the legal framework and / or in order to comply with the requirements stipulated under any of the applicable laws / regulations to facilitate discharge of AEBC’s / their obligations under the relevant laws / regulations; (iii) receive / upload Information and other information including Know Your Customer (KYC) documents / information to / from / with, Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). E Further, as per extant regulations and business practices, AEBC is required and obligated (on a need basis) to disclose/report/share Credit Information/Financial Information and other information including "Personal information" and/or “Sensitive personal data or information” as mentioned above to (a) its outsourcing service partners; (b) its group/associate/affiliate/subsidiary entities or companies wherein AEBC has tie-up arrangements, for providing various offers, benefits, features and other services/products to its Cardmembers and/or to maintain and service the Cardmembers/card operations/back-end operations pertaining to the card business of AEBC; (c) to its parent entity i.e., American Express Banking Corp., New York (as AEBC operates in India as a branch of American Express Banking Corp., New York); (d) to marketing agencies and/or for marketing purposes provided Cardmembers have explicitly authorised/permitted AEBC in this regard; (e) to industry associations (excluding PII) for the purposes of analyzing trends in relation to various aspects related to the industry. In all the above cases (except in case of reporting to the CIC’s as mentioned above, where AEBC will provide an advance notice to the Cardmembers as required under the extant guidelines / regulations), AEBC shall disclose/report/share/receive Credit Information/Financial Information and other information including "Personal information" and/or “Sensitive personal data or information” as mentioned above without any additional notice/intimation to the Cardmembers and in all other instances of disclosure/sharing AEBC shall seek approval from Cardmembers. The privacy of information providers is of utmost importance to American Express. We are committed to adhering to the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules 2011 (the “Indian Privacy Rules”). Our Data Privacy Principles explains the way American Express and its employees, partners and vendors will collect, use, store, share, transmit, delete or otherwise process (collectively “process”) Personal Information in India in accordance with its Data Protection & Privacy Principles. For details of the American Express Privacy Policy and to know how we may monitor telephone calls between you and us to assure collect, process & store the quality of our customer service. If you believe that any information we hold about you or information we provided to a consumer reporting or reference scheme is incorrectinformation, please write to us at the address (mentioned log on last page of this document). Any information that we find to be inaccurate will be corrected promptly.to: - xxxxx://xxx.xxxxxxxxxxxxxxx.xxx/in/legal-disclosures/privacy-statement.html
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