Privacy Statement


In each of these businesses, we have relationships with customers to whom we provide financial products and services. As a part of these customer relationships, we collect information necessary to enrol customers in products and services, to provide the services they have selected, to administer their accounts, and to offer them related or additional products and services.

Because we strongly advocate the protection of customer information, we believe that the adoption and implementation of the following American Express and David Jones Joint Privacy Policy Statement makes good business sense and will serve the interests of our customers in effective privacy protection.

American Express and David Jones Joint Privacy Policy Statement

This American Express and David Jones Joint Privacy Policy Statement applies only to our Australian customers and to visitors to our Web site.

Our related companies throughout the world apply, as a minimum, the American Express Customer Privacy Principles. These Customer Privacy Principles guide our conduct in the collection, use, release, and security of customer information. These Principles define our commitment to protect the privacy of our customers. In those jurisdictions that call for additional information practices, our policies and practices will meet the requirements of applicable law.

Protecting your privacy is important to us. We hope the following information will help you understand how American Express and David Jones collect, use and safeguard your personal information on our Web site.

Tracking Activity on Our Web Site
When you browse and have not registered for any online service from David Jones American Express Card Services, you browse anonymously. Personally identifiable information - such as your name, address, phone number, and e-mail address - is not collected as you browse.

However, we track how our site is used by both anonymous visitors and our registered customers. One way we track is by using a small string of text that is sent to your browser known as a "cookie." Cookies collect information that includes the server your computer is logged onto, your browser type (for example, Netscape or Internet Explorer), and whether you responded to an American Express or David Jones banner ad from outside our site or through an e-mail link. A cookie cannot retrieve any other data from your hard drive, pass on computer viruses, or capture your e-mail address or any other personally identifiable information. Please note that accepting cookies is required if you want to view personal or confidential information online, because they are essential for site administration and security.

Another way we track site activity is by using transparent electronic images called "clear GIFs," "Web bugs," or "Web beacons" on Web pages. These images count the number of users who visit that page from specific banner ads outside or through e-mail links. A similar image, sometimes called a "Spotlight Tag," is used on Web pages where transactions take place. The Tag collects numeric information, such as the dollar amount of an online purchase, to help us understand usage of the site. We do not use any of these electronic images to collect personally identifiable information.

Information we collect when you register
When you become a registered user on our site, you provide us with personal information such as your e-mail address and your Card account number. Becoming a registered user enables you to review confidential account information for the service(s) that you are enrolled in, and perform other confidential transactions.

Information We Collect After You Have Registered
American Express and David Jones collect the following information after you have registered with us for an online product or service:

     •  Your usage of
     •  Your usage of the David Jones American Express online service in which you are enrolled.

How We Use Your Personal Information
Once you've become a registered user, we use this information to deliver products and services you enrol in, and to process transactions you conduct on our website. We also use it, together with information we have about you as a David Jones American Express Card customer, publicly available information, and preferences you indicate, to customize your online experience and to provide you with more relevant online and offline offers and updates.

How We Use Your Email Address
We may use your e-mail address to send you the following types of e-mail messages:

     •  Occasional updates about our products and services as well as David Jones and American
          Express marketing offers.
     •  Regularly scheduled e-mail newsletters related to the David Jones and American Express
          products or services you are enrolled in.
     •  Service notifications related to your account(s).

You can also signup to receive the following types of e-mail messages from us:

     •  Optional David Jones American Express e-mail newsletters. We occasionally invite customers to
          signup for these newsletters via e-mail or other communications, and we also post signup forms
          on the American Express site.
     •  David Jones American Express e-mail services. For example, registering to manage your Card
          accounts on our site includes an option to receive e-mail notifications when your monthly
          statements are available to view online.

You may decline to receive e-mail offers from David Jones American Express Card Services at any time, please call David Jones American Express Customer Service Centre: 1 300 36 85 69.

We do not share your e-mail address with other companies for them to market their products or services to you. When we hire vendors to deliver e-mails to you on our behalf, they cannot use your e-mail address for any other purpose.

To make our e-mail offers more relevant to you, we may use information you provided in your initial transaction with us, in surveys, from information we have about you as a David Jones American Express Card customer - such as purchasing preferences or lifestyle - and information available from external sources such as census bureau data.

When we send e-mail to you, we may be able to identify information about your e-mail address, such as whether you can view graphic-rich HTML e-mail. If your e-mail address is HTML-enabled, we may choose to send you graphic-rich HTML e-mail messages.

These e-mail messages may contain "clear GIFs" or "Web beacons" to measure the offer's effectiveness so we know how to serve you better. We do not collect personally identifiable information through "clear GIFs" or "Web beacons."

You may also receive e-mail offers from another company for American Express and David Jones products and services if you have actively requested that the company send you offers from its partners and/or advertisers. American Express and David Jones do not provide these companies with personal information about you. To decline offers from other companies who may send offers on our behalf, follow the instructions provided by that company.

Setting Your Cookie Preferences
You can adjust your computer browser settings so that you are informed when a cookie is being placed in your browser. You can also set your browser to decline or accept all cookies. However, you must accept cookies if you need to access David Jones American Express Card site pages that enable you to review or use your confidential account information. These cookies are essential for site administration and security.

Ads That Link to Our Web Site
American Express and David Jones hire other companies to place our banner ads on other Web sites and to perform tracking and reporting activities ("third-party advertisement servers"). They do not collect personally identifiable information in doing this work for us, and we do not give any personally identifiable information to them.

Third-party advertisement servers are subject to their own privacy policies.

Children under 16
We do not knowingly solicit data online from or market online to children under the age of 16.

How to Opt Out of Email Marketing Offers
To opt out of receiving e-mail offers or newsletters, please call David Jones American Express Customer Service Centre: 1 300 36 85 69. All e-mail offers and e-mail newsletters sent to you by American Express and David Jones provide instructions on how to opt out of receiving future offers or newsletters. These instructions are located at the bottom of the e-mail message. You may receive separate newsletters pertaining to different American Express and David Jones products and services. In that case, you must reply to and decline the newsletters individually. If you opt out, we will still send you e-mail with service updates as well as other important information related to the David Jones American Express Card online products or services for which you have signed up.

Your Other Opt-Out Choices
The American Express and David Jones businesses that offer personal financial products also offer additional opt-out choices to their customers.

If you are enrolled in one or more of these American Express and David Jones financial products, please call the David Jones American Express Customer Service Centre on 1300 36 85 69 to learn more about your opt-out choices.

Site Security Features SSL Technology and how you benefit from it
American Express and David Jones realise how important security is to you, so we've taken a number of steps to enhance the protection of personal or confidential information sent to or from David Jones American Express Cards over the Internet. This includes Card and other account information. First, we require that a "secure session" be established, using Secure Socket Layer (SSL) Technology. This is done any time you supply or access personal or confidential information in one of our secure online areas.

SSL technology creates a private conversation that only your computer and American Express and David Jones systems can understand. The SSL technology encodes information as it is being sent over the Internet between your computer and American Express systems, helping to ensure that the transmitted information remains confidential

The use of SSL requires two components: an SSL-compatible browser and a Web server to perform the "key-exchange" that establishes a secure connection to American Express Web server systems.

The technological requirements needed to benefit from SSL Technology

A Compliant Browser
You will need a browser with SSL capabilities. (Note that some older versions of browsers will not support SSL sessions). If you don't already have a browser with SSL capabilities, you can download an SSL browser from any of the links below:

     •   Mozilla Firefox
     •   Internet Explorer

In order to securely access your personal or confidential information via the Internet, we recommend you use the latest browser versions available.

A Compliant Internet Service Provider
Nearly all Internet Service Providers (ISPs) automatically enable the SSL session described above. If you use your company's internal connection to access the Internet and you find you cannot access the American Express secure pages with an SSL browser described above, your company may be blocking access via a "firewall." Please speak to your firm's Internet access systems administrator for further details on your network's Internet access.

Enabled Cookies
You also must have enabled cookies on your browser in order to access confidential information. If you have chosen to disable cookies on your browser, you will not be able to access confidential information.

User ID and Password
Many areas of the site require the use of a User ID and Password as an additional security measure that helps protect your confidential information. This allows American Express to verify who you are, thereby allowing you access to your account information, and preventing unauthorized access.

When you have finished using a secure area of David Jones American Express Online Services, make sure you always click on the red "Exit Secure Area" or "Log Out" link which appears on the left-hand side of every secure page. When you click on it, you will be given the option to end your secure session. No further secure transactions can be conducted without re-entering your User ID and Password.

You should be aware that browser software often "caches" a page as you look at it, meaning that some pages are saved in your computer's temporary memory. Therefore, you may find that clicking on your "Back" button shows you a saved version of a previously viewed page. Caching in no way affects the security of your confidential User ID or Password. If you use a computer in a public place to access your account information, simply quit/exit the browser software before leaving to minimize the possibility of anyone else viewing your confidential information.

Selected Business Partners
In order to bring you the many online products and services offered by American Express and David Jones, we work with carefully selected vendors and business partners. If we have to share any information with these companies in order to provide a product or service to you, we first conduct a careful evaluation of their information and security systems and practices, and require administrative, technical, and physical safeguards to ensure the security and confidentiality of David Jones American Express Card customer information. At any time, we may audit our partners and vendors to verify the continued security of their systems and practices.

Linking to Other Internet Sites
You should be aware that other Internet sites that you link to from the David Jones American Express site or an American Express e-mail may contain privacy provisions that differ from the provisions of our Privacy Statement. To ensure your privacy is protected, we recommend that you review the privacy statements of other Internet sites you visit.


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