Terms and Conditions of Use

Website Rules and Regulations

Except as required by law and in accordance with the American Express and David Jones Joint Privacy Policy Statement, American Express and David Jones will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to American Express and David Jones. Postings by a user on any message board or in any chat room will not be protected as confidential and American Express or David Jones may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by American Express or David Jones. User should be aware that Linked Sites may contain confidentiality provisions that differ from the provisions provided herein. American Express or David Jones is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

American Express and David Jones prohibit caching, unauthorised hypertext links to the Site and the framing of any content available through the Site. American Express and David Jones reserve the right to disable any unauthorised links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk. User should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. American Express and David Jones are not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

LAWS AND REGULATIONS
User access to and use of the Site is subject to all applicable international, federal, state and local laws and regulations.

COPYRIGHT / TRADEMARKS
The trademarks, logos and service marks ("Marks") displayed on the Site are the property of American Express, David Jones and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of American Express, David Jones or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.

HYPERLINKING
THIS SITE MAY PROVIDE A LINK TO OTHER SITES BY ALLOWING THE USER TO LEAVE THIS SITE TO ACCESS THIRD-PARTY MATERIAL OR BY BRINGING THE THIRD-PARTY MATERIAL INTO THIS SITE VIA "INVERSE" HYPERLINKS AND FRAMING TECHNOLOGY (A "LINKED SITE"). AMERICAN EXPRESS AND DAVID JONES HAVE NO DISCRETION TO ALTER, UPDATE, OR CONTROL THE CONTENT ON A LINKED SITE. THE FACT THAT AMERICAN EXPRESS HAS PROVIDED A LINK TO A SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP, OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS, OR ITS PROVIDERS. THERE ARE INHERENT RISKS IN RELYING UPON USING, OR RETRIEVING ANY INFORMATION FOUND ON THE INTERNET, AND AMERICAN EXPRESS AND DAVID JONES URGE YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RELYING UPON, USING, OR RETRIEVING ANY SUCH INFORMATION ON A LINKED SITE.

NO WARRANTIES
ALL CONTENT, PRODUCTS, AND SERVICES ON THE SITE, OR OBTAINED FROM A WEBSITE TO WHICH THE SITE IS LINKED (A "LINKED SITE") ARE PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY.

AMERICAN EXPRESS AND DAVID JONES DO NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN AMERICAN EXPRESS OR DAVID JONES, (B) ANY CONTENT PROVIDED ON LINKED SITES OR (C) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE.

OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL AMERICAN EXPRESS AND DAVID JONES BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE OR A LINKED SITE, OR USER'S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE, OR OBTAINED FROM A LINKED SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE, OR OTHER CONTENT.

LIMITATION OF LIABILITY FOR USE OF THE SITE AND LINKED SITES
THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTIONS OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND AMERICAN EXPRESS AND DAVID JONES SPECIFICALLY DISCLAIM ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. AMERICAN EXPRESS AND DAVID JONES DO NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE IS COMPLETE OR UP-TO-DATE. AMERICAN EXPRESS AND DAVID JONES ARE UNDER NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITE. AMERICAN EXPRESS AND DAVID JONESMAY CHANGE THE CONTENT ON THE SITE AT ANY TIME WITHOUT NOTICE. AMERICAN EXPRESS AND DAVID JONES MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.

YOU AGREE THAT AMERICAN EXPRESS, DAVID JONES, THEIR AFFILIATES AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR A LINKED SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE OR A LINKED SITE, EVEN IF AMERICAN EXPRESS OR DAVID JONES IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (e.g., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOUR PROBLEMS OR ANY FORCE MAJEURE. AMERICAN EXPRESS AND DAVID JONES CANNOT AND DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE WEB SITE.

LIMITATION OF LIABILITY FOR SERVICES ARRANGED THROUGH THE SITE
YOU AGREE THAT AMERICAN EXPRESS IS A MERE AGENT FOR THE PROVIDERS OF SERVICES AVAILABLE THROUGH THE SITE, INCLUDING BUT NOT LIMITED TO INSURANCE SERVICES. ANY AND ALL CLAIMS REGARDING ANY FAILURE OR BREACH WITH RESPECT TO THE SERVICES OFFERED THROUGH THE SITE ARE LIMITED TO CLAIMS AGAINST ANY AND ALL SERVICE PROVIDERS. AMERICAN EXPRESS AND DAVID JONES HEREBY DISCLAIM ANY LIABILITY, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES, IN CONNECTION WITH THE GOODS OR SERVICES PROVIDED BY ANY CARRIER OR OTHER SUPPLIER THROUGH THE SITE, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY ACT, ERROR, OMISSION, INJURY, LOSS, ACCIDENT, DELAY OR IRREGULARITY WHICH MAY BE INCURRED THROUGH THE FAULT, NEGLIGENT OR OTHERWISE, OF SUCH CARRIER OR SUPPLIER AND YOU HEREBY EXONERATE AMERICAN EXPRESS AND DAVID JONES FROM ANY LIABILITY WITH RESPECT TO THE SAME.

CONFIDENTIALITY OF USER COMMUNICATIONS
Except as required by law and in accordance with the American Express and David Jones Joint Privacy Policy Statement, American Express and David Jones will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to American Express or David Jones. Postings by a user on any message board or in any chat room will not be protected as confidential and American Express and David Jones may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by American Express and David Jones. User should be aware that Linked Sites may contain confidentiality provisions that differ from the provisions provided herein. American Express and David Jones are not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

LINKED INTERNET SITES
American Express and David Jones prohibit caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site. American Express and David Jones reserve the right to disable any unauthorised links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk. User should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. American Express and David Jones are not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

NO INVESTMENT ADVICE OR OFFERS
Nothing in the Site constitutes investment advice. American Express provides investor relations materials for convenience and information only. In addition, investor relations materials and other Web Site content are not offers to sell or solicitation of an offer to buy any security.

Product Disclosure Statements (PDS) for regulated financial services and products are available on request. The information contained in this web site has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS for the financial service or product and consider the appropriateness of the product(s) in relation to your individual requirements.

FORWARD LOOKING INFORMATION
Certain information on this Site contains certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words "believe", "expect", "anticipate", "optimistic", "intend", "aim", "will" or similar expressions are intended to identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date on which they are made.

PRESS RELEASES
All press releases and other materials presented or released to the financial community that are contained on the Site were, to the best of American Express' and David Jones’ knowledge, timely and accurate when issued. However, the passage of time can render information stale, and you should not rely on the continued accuracy of any such material beyond the date of issuance. American Express and David Jones have no responsibility to update any information contained in any such material. All viewers should carefully check the dates of issuance of the material contained in the Site.

TRANSMISSION OF PERSONAL DATA
User acknowledges and agrees that by providing American Express and David Jones with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with American Express' standard business practices.

User should be aware that Linked Sites may contain transmission of personal data provisions that differ from the provisions provided herein. American Express and David Jones are not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

View American Express and David Jones Joint Privacy Policy Statement.

CHANGES TO RULES AND REGULATIONS
American Express and David Jones reserve the right to revise these Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations.

VIOLATIONS OF RULES AND REGULATIONS
American Express and David Jones reserve the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.

ACCESS TO PASSWORD PROTECTED / SECURED AREAS
Access to and use of password protected and/or secure areas of the Site is restricted to authorised users only. Unauthorised individuals attempting to access these areas of the Site may be subject to prosecution.

USE OF “COOKIE” FILE FEATURES
American Express and David Jones reserve the right to store information on a user's computer in the form of a "cookie" or similar file for purposes of modifying the Site to reflect users' preferences. The American Express and David Jones Joint Privacy Policy Statement provides additional information regarding American Express' and David Jones’ use of cookies as well as procedures for disabling cookies.

View American Express and David Jones Joint Privacy Policy Statement.

JURISDICTION / GOVERNING LAW
Users of this Site agree to submit to the laws of New South Wales, Australia.
This web site is published in Australia for residents of Australia and relates only to David Jones American Express Card products issued by American Express in Australia.

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