Common use of Use of Information Collected Clause in Contracts

Use of Information Collected. We will review and analyze Information in various ways. For example, we monitor transactions using proprietary techniques to help identify transactions that may be of risk from a credit, fraud or money laundering and terrorist financing perspective. This involves our understanding you and your ordinary use of our products and services in order to identify unusual activity. It also includes assessing Information in relation to information from other sources including our own records to detect suspicious patterns or connections. We are required by law to determine whether we have customers who are politically exposed persons and comply with certain legal requirements. We use Information, publicly available information and commercial database(s) to determine whether a customer is politically exposed. More information is available at the website xxx.xxxxxxx.xx.xx. When, with your consent, we promote and market to you products and services offered by us or from other well-established companies (“promotions”), each promotion is carefully developed to ensure that it meets our standards. We try to make sure these promotions reach only those customers most likely to take advantage of them. To do this, we develop lists for use by us based on Information you have provided us on your applications, in surveys and other communications, Information derived from how you use our products that may indicate purchasing preferences and lifestyle, as well as Information available from external sources including consumer reports. We may also use that Information, along with noncredit information from external sources, to develop lists that are used by us. The lists used to send you promotions are developed under strict conditions designed to safeguard the privacy of customer Information. We may use fully automated processes to help us make certain decisions, including to evaluate certain attributes about you to provide our services. For example, we may use such processes to: • assess security risks, detect and manage fraud; • process card and loan applications; • assess credit risks, including to check if you meet our eligibility criteria and decide whether we can issue you a card or loan or approve a transaction. These assessments are based on information that we lawfully obtain, such as information that you provided in your application form (including your reported income), your payment history with Amex Canada, and information we obtain from third parties, such as credit bureaus. We also look at digital data (such as information about your device, browser, or patterns in your online interactions with Amex Canada) and transaction particulars (such as merchants and Card present or not) to help us detect fraud. These methods are regularly tested to ensure that they remain fair, effective and unbiased.

Use of Information Collected. We will review and analyze Information in various ways. For example, we monitor transactions using proprietary techniques to help identify transactions that may be of risk from a credit, fraud or money laundering and terrorist financing perspective. This involves our understanding you and your ordinary use of our products and services in order to identify unusual activity. It also includes assessing Information in relation to information from other sources including our own records to detect suspicious patterns or connections. We are required by law to determine whether we have customers who are politically exposed persons and comply with certain legal requirements. We use Information, publicly available information and commercial database(s) to determine whether a customer is politically exposed. More information is available at the website xxx.xxxxxxx.xx.xxxxxxxxx.xx.xx. When, with your consent, we promote and market to you products and services offered by us or from other well-established companies (“promotions”), each promotion is carefully developed to ensure that it meets our standards. We try to make sure these promotions reach only those customers most likely to take advantage of them. To do this, we develop lists for use by us based on Information you have provided us on your applications, in surveys and other communications, Information derived from how you use our products that may indicate purchasing preferences and lifestyle, as well as Information available from external sources including consumer reports. We may also use that Information, along with noncredit information from external sources, to develop lists that are used by us. The lists used to send you promotions are developed under strict conditions designed to safeguard the privacy of customer Information. We may use fully automated processes to help us make certain decisions, including to evaluate certain attributes about you to provide our services. For example, we may use such processes to: • assess security risks, detect and manage fraud; • process card and loan applications; • assess credit risks, including to check if you meet our eligibility criteria and decide whether we can issue you a card or loan or approve a transaction. These assessments are based on information that we lawfully obtain, such as information that you provided in your application form (including your reported income), your payment history with Amex Canada, and information we obtain from third parties, such as credit bureaus. We also look at digital data (such as information about your device, browser, or patterns in your online interactions with Amex Canada) and transaction particulars (such as merchants and Card present or not) to help us detect fraud. These methods are regularly tested to ensure that they remain fair, effective and unbiased.

Use of Information Collected. We will review and analyze Information in various ways. For example, we monitor transactions using proprietary techniques to help identify transactions that may be of risk from a credit, fraud or money laundering and terrorist financing perspective. This involves our understanding you and your ordinary use of our products and services in order to identify unusual activity. It also includes assessing Information in relation to information from other sources including our own records to detect suspicious patterns or connections. We are required by law to determine whether we have customers who are politically exposed persons and comply with certain legal requirements. We use Information, publicly available information and commercial database(s) to determine whether a customer is politically exposed. More information is available at the website xxx.xxxxxxx.xx.xxxxxxxxx.xx.xx. When, with your consent, we promote and market to you products and services offered by us or from other well-established companies (“promotions”), each promotion is carefully developed to ensure that it meets our standards. We try to make sure these promotions reach only those customers most likely to take advantage of them. To do this, we develop lists for use by us based on Information you have provided us on your applications, in surveys and other communications, Information derived from how you use our products that may indicate purchasing preferences and lifestyle, as well as Information available from external sources including consumer reports. We may also use that Information, along with noncredit information from external sources, to develop lists that are used by us. We may also use that Information, along with noncredit information from external sources, to develop lists that are used by us. The lists used to send you promotions are developed under strict conditions designed to safeguard the privacy of customer Information. We may use fully automated processes to help us make certain decisions, including to evaluate certain attributes about you to provide our services. For example, we may use such processes to: • assess security risks, detect and manage fraud; • process card and loan applications; • assess credit risks, including to check if you meet our eligibility criteria and decide whether we can issue you a card or loan or approve a transaction. These assessments are based on information that we lawfully obtain, such as information that you provided in your application form (including your reported income), your payment history with Amex Canada, and information we obtain from third parties, such as credit bureaus. We also look at digital data (such as information about your device, browser, or patterns in your online interactions with Amex Canada) and transaction particulars (such as merchants and Card present or not) to help us detect fraud. These methods are regularly tested to ensure that they remain fair, effective and unbiased.

Use of Information Collected. We will review and analyze Information in various ways. For example, we monitor transactions using proprietary techniques to help identify transactions that may be of risk from a credit, fraud or money laundering and terrorist financing perspective. This involves our understanding you and your ordinary use of our products and services in order to identify unusual activity. It also includes assessing Information in relation to information from other sources including our own records to detect suspicious patterns or connections. We are required by law to determine whether we have customers who are politically exposed persons and comply with certain legal requirements. We use Information, publicly available information and commercial database(s) to determine whether a customer is politically exposed. More information is available at the website xxx.xxxxxxx.xx.xxxxxxxxx.xx.xx. When, with your consent, we promote and market to you products and services offered by us or from other well-established companies (“promotions”), each promotion is carefully developed to ensure that it meets our standards. We try to make sure these promotions reach only those customers most likely to take advantage of them. To do this, we develop lists for use by us based on Information you have provided us on your applications, in surveys and other communications, Information derived from how you use our products that may indicate purchasing preferences and lifestyle, as well as Information available from external sources including consumer reports. We may also use that Information, along with noncredit information from external sources, to develop lists that are used by us. We may also use that Information, along with non-credit information from external sources, to develop lists that are used by us. The lists used to send you promotions are developed under strict conditions designed to safeguard the privacy of customer Information. We may use fully automated processes to help us make certain decisions, including to evaluate certain attributes about you to provide our services. For example, we may use such processes to: • assess security risks, detect and manage fraud; • process card and loan applications; • assess credit risks, including to check if you meet our eligibility criteria and decide whether we can issue you a card or loan or approve a transaction. These assessments are based on information that we lawfully obtain, such as information that you provided in your application form (including your reported income), your payment history with Amex Canada, and information we obtain from third parties, such as credit bureaus. We also look at digital data (such as information about your device, browser, or patterns in your online interactions with Amex Canada) and transaction particulars (such as merchants and Card present or not) to help us detect fraud. These methods are regularly tested to ensure that they remain fair, effective and unbiased.