The term "Card," "American Express Prepaid Card" refers to the American Express Prepaid Card issued to you, as applicable. The Card purchaser must be at least 18 years of age to purchase and register the Card, and you may only authorize someone who is 13 years of age or older to use the Card. Anyone you authorize to use the Card including but not limited to another adult or a minor child shall also be subject to these Terms and Conditions and any other terms and conditions relating to the Card to which that person agrees.

By purchasing, signing or using the Card, or by allowing someone else to do so, you a agree to these Terms and Conditions, on behalf of yourself and each minor authorized by you to use the Card, and b agree that all agreements now or hereafter made by "you" in these Terms and Conditions or on the website for the American Express Prepaid Card, Card, americanexpress.

These Terms and Conditions incorporate by reference The American Express Prepaid Card Terms and Conditions for Account Alerts "Account Alerts Terms". The terms "we," "our," and "us" refer to American Express Travel Related Services Company, Inc. As explained above, you agree to the Terms and Conditions, as well as the Account Alerts Terms, on behalf of minors authorized by you to use the Card "Minor s ". You agree to review all of these agreements with your Minors and to educate or instruct them regarding your wishes for their use of the Card and the Card Website.

You agree that we may rely on all uses of the Card and all acts taken at the Card Website or at other websites which are made or taken using the password and other Card credentials assigned to the Minor, even if those uses or acts contravene your instructions to the Minor or these Terms and Conditions.

You also acknowledge and agree that: This includes, without limitation, starting or stopping text message "Account Alerts" and providing related mobile telephone numbers and consents, and providing or changing information or selecting services that might be different from what you provided or selected.

If you allow a minor to use a Card but are not the minor's parent, guardian or the like e. You represent and agree that you have already done that or that you will do so before the minor first uses the Card, and that we may rely on your representation and agreement.

The Card a prepaid payment device which must have funds loaded to it prior to use. The Card is not a gift card, credit card or charge card and does not constitute a checking, savings or other demand deposit or consumer asset account. The Card is not a payroll card and cannot be used to make payroll to anyone. The value of the funds available on your Card at any time is referred to as your "Available Funds. The Card may also be used for payment of goods and services at retailers and other merchants that accept American Express Cards, both within the United States, Puerto Rico, U.

Virgin Islands and internationally. This includes mail order, online and brick and mortar establishments each a "Merchant". You may use the Card to make a final payment in respect of a car or other rental, but may not use the Card to make a Car rental or other reservation or deposit. However, you may not use the Card at ATMs outside of the US. The Card is not intended for use for gambling or adult entertainment purchases, which you agree not to make with the Card.

You also agree that you will not use the Card to engage in any type of illegal activity or prohibited sale e. Merchant categories are determined by Merchants and other parties, and you agree to hold us harmless for any transactions that occur as a result of inaccuracies in Merchant classification.

Text "BAL" plus the last 4 Card number digits to e. Visit the Website or call American Express Prepaid Card Customer Service at U. You are personally liable and responsible for your use of the Card. You may request that your Card be issued to another eligible person, including but not limited to another adult or a Minor a "Card User".

If you do, you are authorizing that Card User to use the Card and agree that you are personally liable and responsible for i that Card User's use of the Card including without limitation, by accessing sites accessible by providing the Card or Card number , ii all financial and other transactions performed with the Card or Card number by, and all consents provided by, that Card User, iii the Card User's use of all other third party sites, iv all other obligations of that Card User relating to the Card.

If the Card User that you authorize to use the Card allows someone else to use it, you agree that all uses, transactions and obligations of that person will be deemed to be those of the Card User, and that you will be liable for those as well.

The Card Purchaser agrees to provide copies of all relevant agreements, consents and disclosures regarding the Card, including, but not limited to, copies of the Privacy Notice, to each Card User and to inform them that their use of the Card will bind them to those documents and that if they do not want to be so bound, they must not use the Card and must cancel any Card issued in their name. The Card is not a gift card. If you request that your Card be issued to another person, you are authorizing that Card User to use the Card and you are not giving the Card to such Card User as a gift.

Other than as permitted by us, the Card is not transferable and you agree not to permit any person other than an authorized Card User to use your Card. You must notify us to revoke permission for any person previously authorized to use your Card. If you tell us to revoke another person' permission to use your Card, we may cancel the Card issued to that person and issue you a new Card with a different number.

You are wholly responsible for the use of each Card according to the terms of this Agreement. We may, but are not obligated to, accept a variety of funding sources at any time, such as a bank savings or checking account issued in the United States, Puerto Rico or U. S Virgin Islands to a Card Member with a physical billing address in the same jurisdiction.

We may change the types of eligible Funding Sources at any time. In our sole discretion, we may allow you to change your designated Funding Source to another eligible Funding Source at any time, subject to verification by our systems. Any Funding Source associated with a Card must be owned by the purchaser of that Card. By designating a Funding Source, you will authorize and cause monies to be debited from your Funding Source each time you load your Card.

You must register the Card, verify your email address and designate a personal password that you may use to sign in to the Website to check your Available Funds, view your transactional history "Online Transaction History" , or designate a new Funding Source.

You are responsible for keeping this password safe and you will need it every time you sign in to the portion of the Website that contains your personal Card data; we call this your "Card Servicing Page.

We will use the information you give us, as well as the information we receive from your use of the Card, to facilitate your participation in Card services and for other purposes consistent with our Privacy Notice, which can be found at americanexpress. Your Card Servicing Page will contain the Card s ' Online Transaction History and will be accessible to you on the Website. You must have your password in order to access your Card Servicing Page.

Write down your Card number, 4-digit Card security code "CID" and the Customer Service Number on a separate piece of paper in case your Card is lost or stolen.

The Card is a paperless product, which means, among other things, we will attempt to provide you with all notices and communications, including legally-required notices and communications which you may otherwise have the right to receive in paper form, in electronic form e. While the Card is intended to be paperless Program, we reserve the right, but are not obligated, in certain circumstances and in our sole discretion to communicate with you using all available lawful methods of communication by paper, telephone, etc.

The Card is intended for use only by those willing and able to receive all notices and communications from us exclusively via electronic means e. At registration, for the duration of this Card usage and in certain instances following the termination of your Card account with us we require your valid and working email address in order to ensure we can effectively communicate with and deliver our services to you.

Before the Card may be activated, the Card purchaser must provide and verify his or her e-mail address and electronically consent to the terms and conditions set forth in our Consent Statement.

You can withdraw your consent at anytime but only in the manner set forth in our Consent Statement. Such withdrawal may result in the disruption, suspension or termination of your Card account. You agree to pay the fees and charges "Fees" established by American Express from time to time in connection with the Card.

These Fees and charges are subject to change by us at any time. Set forth below is a schedule of fees and charges current as at the date of the printing of these Terms and Conditions.

For the most current schedule of Fees that apply to your Card, please call the Customer Service Number or visit the Website. Beginning October 15, , you will see the Monthly Fee listed on your Transaction History. The Monthly Fee will be withdrawn from your Available Balance. If you have no money available on your Card, or if you do not have enough money to cover the entire monthly fee for a particular month, your Card will not sustain a negative balance as a result of this monthly fee.

There is no Monthly Fee for residents of AR, NY, TX and VT.

Prepaid Reloadable: American Express Prepaid Card: Terms

Each time you supply your bank account number or bank's routing number to us via the Website in connection with your election to make payments on or load funds to your Card through a consumer deposit account, you provide this ACH Authorization and Agreement and certify and agree as follows:. You are the owner of the deposit account whose number and bank routing number you have supplied and designated as your Card funding source your "Account" , such Account is a consumer account and you are authorized to make withdrawals from it without the approval or participation of anyone else.

You authorize American Express Travel Related Services Company, Inc. You acknowledge and agree that i the origination of ACH transactions to your account must comply with the provisions of U.

Your ACH Authorization and Agreement is a continuing one that will remain in full force and effect until you cancel this Authorization and Agreement via the Website or by calling the Customer Service Number. You agree to do so in time for us to have a reasonable opportunity to act on your cancellation and you understand that you may only give notice of cancellation of this ACH Authorization and Agreement via the Website or by calling the Customer Service Number, and failure to do so will void your notice of cancellation.

You understand that you will be deemed to have signed this ACH Authorization and Agreement by entering your Account number and your bank's routing number on the Website as a symbol of your signature.

You authorize us to date this ACH Authorization and Agreement as of the date you submit your Account number and bank's routing number, and you agree to print or save a copy of this ACH Authorization and Agreement. You can load funds to the Card at any time i using your Funding Source, or ii via direct deposit of your paycheck.

We reserve the right to delay the availability of funds loaded to your Card using any of these loading methods until such funds have cleared and posted to your Card. Funds loaded to the Card from your savings or checking account will generally be available within five 5 business days after load instructions, and funds loaded to the Card using Direct Deposit will generally be available on the business day we receive the transfer.

We may change accepted tender types and funding methods for the Card at any time for legal, risk management, security or other purposes. We may change these limits at any time for legal, risk management, security or other purposes.

You will not receive interest on funds loaded to the Card, and funds loaded to the Card are not insured by the Federal Deposit Insurance Corporation. As Card purchaser, you may arrange to have all or part of your paycheck transferred directly to the Card by your employer or other appropriate payor.

To enroll, you will need to provide your employer or payor with the direct deposit enrollment form available by accessing your online account at the Website your employer may request that you fill out an alternate form.

Funds transferred via direct deposit will generally be available on the day we receive the transfer. If you have arranged to have direct deposits made to the Card, you may review your Online Transaction History or call the Customer Service Number to verify that each deposit has been made. We reserve the right to accept, reject or limit transfers via direct deposit in our sole discretion.

You may cancel your direct deposit authorization at any time by sending a written notice to your employer and providing your employer and us sufficient time to act upon the notice. Your employer may terminate this method of payment, with or without cause, at any time. Payments by the U. You may request that your Card be loaded from your Funding Source in a set amount on a recurring, periodic basis. You must use your personal password to sign into the Website in order to request recurring loads on your Card.

Present the Card to the Merchant at the time of payment and sign the receipt with the same signature you used when you signed the back of your Card. Retain the receipt as a record of the transaction. You agree to use the Card only at Merchants and only for lawful purposes.

You acknowledge that purchases made with prepaid cards such as the Card are similar to those made with cash. You cannot "stop payment" on such transactions. Depending on the Merchant's policy, you may be able to use your Card with another form of payment, such as cash, check or another card, to make a purchase. This is known as a "Split Tender Transaction.

Each time you use your Card, the amount of the transaction will be debited from your Card's Available Funds. You agree not to make a purchase or other transaction in excess of your Card's Available Funds. If you do make a purchase or other transaction or if a Fee is deducted from Available Funds that exceeds the Available Funds on your Card and, as a result, the balance on your Card is negative a "Shortage" , you shall remain fully responsible for the Shortage amount and we reserve the right to require that you immediately forward payment to us for any such Shortage.

Subject to applicable law, we reserve the right to debit the Available Funds on your Card or any other prepaid card you hold that is issued by us, or debit any subsequent loads to the Card, for any Shortage Amount upon the occurrence of a Shortage.

The Available Funds on your Card do not expire. There are three ways that your Available Funds may be decreased. First, if you make a purchase with the Card or a cash withdrawal, we will deduct the full amount of that purchase or cash withdrawal, including taxes and any other fees, from the Available Funds. Second, if the Merchant authorizes for an amount greater than the actual purchase, the Available Funds will be temporarily decreased by the amount of the authorization until the actual transaction posts, typically until the eighth 8th day after purchase.

Only the final amount of the purchase will ultimately be deducted from the Available Funds. Third, your Available Funds may decrease if a Fee is deducted from it or a Shortage arises as provided in these Terms and Conditions. You may obtain information about the Available Funds on your Card at no charge by calling the Customer Service Number.

This information, along with a day history of transactions on your Card, is also available online by signing into your Card Servicing Page at the Website. You have the right to obtain a day written history of account transactions by calling the Customer Service Number, or by writing us at American Express, PO Box , Salt Lake City, UT We will provide you with a Personal Identification Number "PIN" after you have successfully registered the Card.

Unless the person who has purchased the Card has specifically blocked the Card's cash access feature, you may use your Card and PIN to access cash via a participating Automatic Teller Machine "ATM". Do not write or keep your PIN with your Card. If you believe your PIN has been compromised, or you otherwise need to request a change in your PIN, please immediately contact the Customer Service Number. To get cash, use the "withdrawal from checking" option at an ATM. The Card is accepted at a majority of ATMs in the U.

Acceptance within ATM Networks may change at any time. Use of the Card at ATMs is subject to all applicable fees, surcharges, rules and customs of any clearinghouse, ATM network, or other institution or association involved with the transaction. We may impose a fee each time a Card is used to obtain cash or any other services from an ATM, as set forth in the Schedule of Fees.

The owner of the ATM may impose a fee in addition to any fee charged by us. The ATM owner must disclose any fee s they charge prior to your confirming the transaction. If you make a purchase at an establishment in a foreign currency, it will be converted into U. Unless a particular rate is required by applicable law, you authorize us to choose a conversion rate that is acceptable to us for that date. Currently, the conversion rate we use for a transaction in a foreign currency is no greater than a the highest official conversion rate published by a government agency, or b the highest interbank conversion rate identified by us from customary banking sources on the conversion date or the prior business day.

This conversion rate may differ from rates in effect on the day of your transactions. Charges converted by Merchants such as airlines will be billed at the rates these Merchants use. If you wish to return any merchandise purchased with the Card, you will be subject to the Merchant' return policies.

If the Merchant agrees to issue a credit to the Card, such funds may not be available for seven 7 days or longer. You can start using the new Card for purchases and transactions as soon as you receive it and activate it. Once you receive and activate your new Card, you should cut the old Card in half and throw it away; the old Card may no longer be used for purchases or transactions.

You are not liable for fraudulent purchases. If your Card is lost or stolen, contact us immediately at the Customer Service Number. You will be required to provide your name, address, Card number, CID and other details for identification purposes. You agree to provide us all information and assistance reasonably requested in order to timely make a complete investigation of the loss or theft, and we reserve the right to investigate the loss or theft.

If your Card is lost or stolen, we will issue you a replacement Card with a value equal to the Available Funds on your Card at the time you notified us of the loss or theft.

If you believe that an unauthorized transaction has occurred after your Card was lost or stolen, please follow the instructions described in the section entitled "Errors or Questions about Transactions related to the Card.

Call us at the Customer Service Number or write us at American Express, PO Box , Salt Lake City, UT as soon as you can if you think your Online Transaction History or receipt is wrong, if you believe that an unauthorized transaction has occurred or if you need more information about a particular transaction. In the case of queries regarding Online Transaction History, we must hear from you no later than sixty 60 days after the earlier of i the date you electronically access your Online Transaction History, if the error could be viewed there, or ii the date we sent the FIRST written history on which the error appeared.

You may request a day written history of your transactions at any time by calling us at the Customer Service Number or writing us at American Express, PO Box , Salt Lake City, UT Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe an error has occurred or why you need more information;.

We will determine whether an error or unauthorized transaction occurred within 10 business days after we hear from you and will correct any error or unauthorized transaction promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question.

If we decide to do this, we will credit your account within 10 business days for the amount you think is in error or relates to an unauthorized transaction, so that you will have the money during the time it takes us to complete our investigation.

If you call us with your complaint or question and we ask you during that call to put your complaint or question in writing, and we do not receive it within 10 business days, we may not credit your account. Complaints or questions submitted in writing should be mailed to American Express, Card Dispute Form, S W, Salt Lake City, UT - For errors involving new Cards, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.

For new Cards, we may take up to 20 business days to credit your Card account for the amount you think is in error. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and debit your Card for any amount that was provisionally credited after the error was reported.

You may ask for copies of the documents that we used in our investigation. If you need more information about our error-resolution procedures, call us at the Customer Service Number. You may cancel your Card at any time by calling the Customer Service Number.

If Available Funds remain on the Card upon your card cancellation, we may refund such amount by, in our discretion, crediting your Funding Source or issuing you a check. We reserve the right to investigate all requests for cancellation and refund and to enable all Card transactions made prior to Card cancellation to post before processing a refund. All refunds are at our sole discretion. If we elect to provide a refund, we will cancel your Card and process your refund.

We reserve the right to suspend or cancel your Card if i you neither load funds to nor use your Card for a period of one year or more, ii if you attempted loads to your Card from your Funding Source and are declined or dishonored repeatedly iii if you violate these Terms and Conditions, iv if you fail to pay any Fee within sixty 60 days after the date it is due, v if there are potential fraud or security risks associated with your Card, as determined by us, vi if you withdraw your consent to deal with us electronically pursuant to the Consent Statement, or v for any reason allowed by law.

We may, in our sole discretion, decide not to exercise our right to suspend or cancel your Card upon the occurrence of an event described in the preceding sentence; but forbearing from exercising our right to suspend or cancel your Card either once or repeatedly will not constitute a waiver of or preclude the exercise of our right to do so in the future upon the occurrence of an event described in the preceding sentence.

If we cancel your Card prior to the passing of the Valid Thru date on the Card, we may condition reimbursement upon return of the Card to us. The Card is our property. If we suspend your Card, you will not be able to use your Card for purchases or ATM access and you may not have access to certain services associated with the Card such as Purchase Protection 3 or special offers as referenced in this Card Member Agreement.

While your Card is suspended, we will not collect any Fees with respect to your Card. Subject to applicable law, if you have a dispute with a Merchant, you agree to settle the dispute directly with the Merchant. If a Merchant fails to honor the Card, please call the Customer Service Number to report the incident. We may change the terms of, or add new terms to, these Terms and Conditions at any time, with or without cause, and without giving you notice, subject to applicable law.

In addition, we may suspend, cancel, add, modify or delete any feature offered in connection with your Card at our sole discretion at any time, with or without cause, and without giving you notice, subject to applicable law. We reserve the right to deliver to you any notice of changes to existing terms or the addition of new terms electronically to the email address you have provided for your Card if you have given us consent to do so.

Any notice given by us shall be deemed given when deposited in the United States mail, postage prepaid, addressed to you at the latest address shown on our records, or sent electronically to the email address you have provided for your Card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card.

Please check your Available Funds and call Customer Service for further assistance. We may assign these Terms and Conditions to a third party at any time without notice to you. However, if we assign these Terms and Conditions, the terms will remain substantially and materially the same unless you are notified. If we reimburse you for a refund claim you have made for a lost or stolen Card, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims, excluding tort claims, that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your Card.

You agree that you will not pursue any claim against, or reimbursement from, such third party for the amount that we paid or credited to your Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited.

Neither our failure to exercise any of our rights under these Terms and Conditions, nor our delay in enforcing or exercising any of our rights, shall constitute a waiver of such rights. If we waive any right under these Terms and Conditions on one occasion, such waiver shall not operate as a waiver as to any other occasion.

For information about how we use Card Member information and protect your privacy and data security, please visit americanexpress. Special offers may be available from time to time at participating merchants.

As a Card Member, you may also be eligible to participate in various special programs from time to time. Specific terms, conditions and restrictions for each offer or special program can be accessed at the Website.

We take no responsibility for such special offers. This Arbitration Provision sets forth the circumstances and procedures under which Claims defined below that arise between you and us will be resolved through binding arbitration. This means that neither you nor we will have the right to litigate that Claim in court or have a jury trial on that Claim. Other rights that you would have in court also may not be available or may be limited in arbitration, including your right to appeal and your ability to participate in a class action.

Nothing in this provision precludes you from filing and pursuing your individual Claim in a small claims court in your state or municipality, so long as that Claim is pending only in that court.

If a selection by us of either of these organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of our election to select the other organization listed to serve as arbitration administrator. For a copy of the procedures, to file a Claim or for other information about these organizations, contact 1 JAMS at Main Street, Suite , Irvine, CA ; www.

In addition to the arbitration organizations listed above, Claims may be referred to any other arbitration organization that is mutually agreed upon in writing by you and us, or to an arbitration organization or arbitrator s appointed pursuant to section 5 of the Federal Arbitration Act, 9 U. Arbitration shall proceed solely on an individual basis without the right for any Claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of others.

The arbitrator's authority to resolve and make written awards is limited to Claims between you and us alone. Claims may not be joined or consolidated unless agreed to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not a named party to the arbitration. This Arbitration Provision is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.

The arbitrator shall apply applicable substantive law consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law. Federal or state rules of civil procedure or evidence shall not apply. Written requests to expand the scope of discovery rest within the arbitrator's sole discretion and shall be determined pursuant to the applicable Code.

The arbitrator shall take reasonable steps to preserve the privacy of individuals, and of business matters. Judgment upon the written arbitral award may be entered in any court having jurisdiction. Subject to the right of appeal under the FAA, the arbitrator's written decision will be final and binding unless you or we take an appeal from the award by making a dated, written request to the arbitration organization within 30 days from the date of entry of the written arbitral award.

A three-arbitrator panel administered by the same arbitration organization shall consider anew any aspect of the award objected to by the appellant, conduct an arbitration pursuant to its Code and issue its decision within days of the date of the appellant's written notice.

The panel's majority vote decision shall be final and binding. The arbitration shall take place in the federal judicial district of your residence.

Irrespective of who prevails in arbitration, you will only be responsible for paying your share, if any, of the arbitration fees required by the applicable Code, which amount shall not exceed the filing fees you would have incurred if the Claim had been brought in the appropriate state or federal court closest to your residence.

We will pay the remainder of any arbitration fees. At your written request, we will consider in good faith making a temporary advance of all or part of your share of the arbitration fees. Waivers also may be available from the JAMS or AAA. This Arbitration Provision shall survive termination of the Card, as well as voluntary payment in full of any Shortages, any debt collection proceeding by or between you and us, and any bankruptcy by you or us.

These Terms and Conditions and your Card, and all questions about their legality, enforceability and interpretation, are governed by the laws of the State of New York, USA without regard to internal principles of conflicts of law. The Card is issued by either American Express Travel Related Services Company, Inc.

The following applies to California residents with respect to the use of the Card to transmit funds to a foreign country by means of a valid purchase occurring outside of the United States:. You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if American Express Travel Related Services Company, Inc.

If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not been forwarded or transmitted you have a right to a refund of your money.

If you want a refund, you must mail or deliver your written request to American Express Travel Related Services Company, Inc. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided.

Tow operator or locksmith can provide the following services: Services are available when traveling within the United States, Canada, Puerto Rico and the U. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.

AmEx launches global travel cards in India | Business Standard News

Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers.

Lockout service may be unavailable for vehicles with transponder keys. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call AMEX. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.

You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost.

To be eligible for claim payment your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see Cardmember Agreement. Card Members are responsible for the costs charged by third-party service providers. Please note that any assistance provided by this benefit cannot be in violation of U.

The Global Assist Hotline Online Destination Guide at americanexpress. From exchange rates and visa requirements to customs information and medical assistance - it contains things you need to know - before you go - specific to your destination:. Many countries have strict requirements on what products they will allow in and out of the country. Global Assist Hotline can help you plan appropriately.

Global Assist Hotline can provide you with foreign exchange rates throughout the world. Global Assist Hotline can provide you with recommendations for inoculations that may be needed prior to traveling to your destination. Global Assist Hotline can provide you with the necessary information for many destinations around the world. Global Assist Hotline can provide you with weather forecasts for many destinations around the world. For some destinations, as much as a 10 day weather forecast can be obtained subject to availability of information.

While the list of countries frequented by our Card Members is extensive, Global Assist Hotline continues to add information based on your feedback. If you are not able to locate your destination, we can help you find the information you need — call the number on the back of your Card. Global Assist Hotline can help conference in an interpreter over the phone in the event you need a third-party to translate for legal or medical needs when in a verifiable travel emergency.

All costs associated with engaging additional interpretation services, including written translations, are the responsibility of the Card Member. If you lose an item while traveling, Global Assist Hotline can help you search for the lost item.

Global Assist Hotline will need to have basic information about the item and where it was lost in order to provide the fastest service. When the airline may have misplaced your luggage, Global Assist Hotline can help track its status. Basic information needs to be obtained about the luggage. Global Assist Hotline will contact the airlines on a daily basis to check the status of the luggage.

Global Assist Hotline will continue to follow up with you and the airline on the status of your luggage. Global Assist Hotline will also provide you with a daily update. You may need to participate on the call or authorize an agent to speak on your behalf if required by the airline.

Were your credit cards or passport lost or stolen? Global Assist Hotline can help you locate the nearest embassy to assist you with replacing your passport and assist with canceling your cards. You may need to participate on the call or authorize an agent to speak on your behalf if required by the card issuer. In the event that the Card Member or another covered family member your spouse or domestic partner, dependent up to age 23, or age 26 if full-time student traveling with the Card Member becomes injured or ill while traveling and are seeking or have sought medical treatment, the Global Assist Hotline medical department can assess the medical need for transportation and coordinate the service.

The Card Member is responsible for all costs associated with any transport. Global Assist Hotline can provide you with the monitoring of medical care while traveling.

You may need to complete a HIPAA Release or provide authorization for next of kin to complete the release if you are not able. If medications are lost or forgotten and you are in the United States, Global Assist Hotline can help you by arranging a transfer of the prescription from your home pharmacy to a pharmacy near your location if refills are available.

If you are outside the United States, Global Assist Hotline can provide a medical referral to help with obtaining a new prescription. Take note that FDA regulations state that United States prescriptions cannot be transferred overseas. You may need to participate on the call or authorize an agent to speak on your behalf and in some cases you may need to visit a doctor. The Card Member is responsible for all costs associated with the purchase of prescribed medication.

Global Assist Hotline can provide you with a list of physicians and dentists in the area where you are traveling. Global Assist Hotline does not provide medical advice; but rather provides a list of available physicians.

The ultimate choice to seek medical care is your responsibility. You are also responsible for the payment of any costs associated with medical care. The Card Member is responsible for all ATM, bank, and other cash advance or other fees associated with using these ATMs. If your Card has been lost or stolen, Global Assist Hotline can assist with checking into or out of your hotel. Certain control procedures must be followed to provide this service. The Card Member is responsible for all costs associated with payment of bail.

Embassies and consulates are excellent sources for information and assistance to Card Members while traveling. This service can provide you with a list of English-speaking lawyers in the area where you are traveling. Global Assist Hotline does not provide legal advice; but rather provides a list of available attorneys.

The ultimate choice to seek legal advice is your responsibility. You are also responsible for the payment of any costs associated with legal retention. Roadside Assistance Hotline is a hour dispatch hotline that can provide coordination and assistance with obtaining basic emergency roadside services for Card Members including: Underwritten by AMEX Assurance Company Administrative Office, P.

Box Phoenix, AZ Purchase Protection can provide coverage for your eligible purchases for ninety 90 days from the date of purchase when you charge any portion of the price of the eligible purchased item to Your Account.

You will be reimbursed only for the amount charged to Your Account. See Description of Benefits section. Certain words used in this Description of Coverage are capitalized throughout and have special meanings. Wherever used herein, the singular shall include the plural, the plural shall include the singular, as the context requires. Account means Your American Express Card Account. Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in the 50 United States of America, the District of Columbia, Puerto Rico or the U.

Covered Incident means the theft of, or damage, whether by accident or vandalism, to any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account. Company means AMEX Assurance Company, and its duly authorized agents. Current and in Good Standing means a Cardmember Account for which the monthly minimum requirement has been paid prior to the date in which the claim is payable. Master Policyholder means American Express Travel Related Services Company, Inc.

Permanent Residence means the one primary dwelling place where the Cardmember resides and to which they intend to return. Plan means the Policy and the benefits described therein. Platinum Cardmember means a Cardmember who has a Platinum Charge Card required to be paid in full monthly , a Corporate Platinum Card, or a Fidelity American Express Platinum Card.

Any other Card which may reference the Platinum name or has Platinum colored plastic will not receive higher coverage limits or benefits. Policy means the Group Insurance Master Policy AX issued to American Express Travel Related Services Company, Inc. We, Us, Our means the Company. You, Your means the Cardmember.

Purchase Protection provides benefits, for ninety 90 days from the date of purchase, if a Covered Incident occurs with respect to property You purchased and charged to Your Account. Our benefit payment will not include shipping and handling expenses or installation, assembly, professional advice, maintenance or other service charges or any product rebates, discounts or money received from lowest price comparison programs that reduced the original cost of the property.

Our payment of any eligible benefit amount is further contingent upon Your Account being Current and in Good Standing. Only a Cardmember has a legal and equitable right to any insurance benefit that may be available under this Plan.

Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by:. For residents of Washington, the first paragraph of this section is removed and replaced with the following: We will not pay for loss caused by any of the excluded events described below.

Loss will be considered to have been caused by an excluded event if the occurrences of that event directly and solely results in loss, or initiates a sequence of events that result in loss, regardless of the nature of any intermediate or final event in that sequence.

If You experience a loss for which You believe a benefit is payable under this Plan, You must provide both Notice of Claim and Proof of Loss. To insure prompt processing of Your claim, report any theft or damage immediately following the date of the Covered Incident, including for gifts purchased with the Card. Retain Your receipts and Your damaged property if applicable until the claim process is complete.

Notice of Claim should be provided to Us within thirty 30 days of the loss. You may contact Us by calling toll-free stateside or, if from overseas, by calling collect You may also write to Us at Purchase Protection, PO Box , Golden CO Failure to provide Notice of Claim within thirty 30 days will not invalidate a claim or reduce any benefit payment that may be found to be eligible, if it can be shown that it was provided as soon as reasonably possible.

You are required to cooperate with Us and provide documentation as requested by Us which is required and necessary to process Your claim and determine if benefits are payable. For residents of Missouri, no claim will be denied based upon Your failure to provide notice within such specified time, unless this failure operates to prejudice the right of Us. Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid.

Your Proof of Loss documentation may be mailed to Us at the same address provided above for mailing Your Notice of Claim. We reserve the right to request all the information We deem necessary to determine that Your claim is payable, and We will not consider that We have received complete Proof of Loss until the information We have requested is received.

Proof of Loss may require documentation consisting of, but not necessarily limited to, the following:. If all required documentation is not received within thirty 30 days for residents of North Dakota sixty 60 days of the date of the Covered Incident except for documentation which has not been furnished for reasons beyond Your control , coverage may be denied. It is Your responsibility to provide all required documentation We request.

You may be required to send in the damaged property at Your expense for further evaluation of Your claim. If requested, You must send in the damaged property within thirty 30 days for residents of North Dakota sixty 60 days from the date of Our request to remain eligible for coverage.

A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Any payment made by Us in good faith pursuant to this or any other provision of this Plan will fully discharge Us to the extent of such payment.

If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and We will pay only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits, as provided under the Description of Benefits section.

If the change is to a different state, Your Policy provisions may be adjusted to conform to the requirements of that state. A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract.

Any statement You make is a representation and not a warranty. This Description of Coverage may be changed at any time by written agreement between the Master Policyholder and the Company. Only the President, Vice-President or Secretary of AMEX Assurance Company may change or waive the provisions of the Description of Coverage.

No agent or other person may change the Description of Coverage or waive any of its terms. This Description of Coverage may be changed at any time by providing notice to You. A copy of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited. No legal action may be brought to recover against this Plan until sixty 60 days after Proof of Loss has been received by Us.

No such action may be brought after three 3 years for residents of Arkansas five 5 years and residents of Missouri ten 10 years from the time written Proof of Loss is required to be given. If a time limit of this Plan is less than allowed by the laws of the state where You live, the limit is extended to meet the minimum time allowed by such law.

If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment.

If Our payments exceed the maximum amount payable under the benefits of this Plan, We have the right to recover from You any amount exceeding the maximum amount payable. In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery.

You shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable Us to effectively bring suit or otherwise pursue subrogation rights in Your name. You shall do nothing to prejudice such subrogation rights. We shall be entitled to a recovery as stated in these provisions only after You have been fully compensated for damages by another party. For residents of Louisiana, the Right of Recovery, Subrogation and Excess Coverage sections are revised to reflect: If the Company makes any payment under this Policy and the Cardmember has the right to recover damages from another, the Company shall be subrogated to that right.

Termination or Cancellation of coverage will not prejudice any claim originating prior to termination or cancellation subject to all other terms of the Policy. The Company has the right to cancel the Policy at any time by sending a written notice at least forty five 45 days in advance to You at Your last known address. The notice will include the reason for cancellation.

Payment or credit will not exceed the original assigned value of the property received through redemption of a Membership Rewards redemption certificate up to the stated limits, excluding shipping and handling expenses. Benefits will not be paid when a Membership Rewards redemption certificate has been transferred to a non-eligible Cardmember or non-Cardmembers. This Description of Coverage replaces any other Description of Coverage that You may have previously received for Purchase Protection.

This Description of Coverage is an important document. Please read it and keep it in a safe place. IN WITNESS WHEREOF, We have caused this Description of Coverage to be signed by Our officers: The opening paragraph in the Exclusion section is removed in its entirety and replaced with the following which is added and made part of the Description of Coverage:.

These exclusions do not apply if the dominate cause of a loss is a risk or peril that is not otherwise excluded. The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage:. No such action may be brought after three 3 years from the time Proof of Loss is required to be given. If there are any claims the three year timeframe does not begin to run until after the claim has been denied.

References to Description of Coverage and Master Policy throughout the above form have been changed to Policy. The definitions of Master Policyholder and Plan are hereby removed.

Policy as used throughout means this contract issued to the Cardmember providing the benefits described herein. No assignment will be acknowledged until it has been received by the Company.

The Company does not make any acknowledgement of the effectiveness of an assignment or accept any responsibility for the validity or legality of any assignment.

Questions regarding your policy should be directed to: AMEX Assurance Company If you a need the assistance of the governmental agency that regulates insurance or b have a compliant you have been unable to resolve with your insurer you may contact the Department of Insurance by mail, telephone or email: State of Indiana Department of insurance Consumer Services Division West Washington Street, Suite Indianapolis, IN Consumer Hotline: In the Indianapolis Area Complaints can be filed electronically at www.

The Description of Coverage is subject to laws of the State of New Hampshire. Any contract changes will be submitted for approval in the State of New Hampshire. Contract changes will not be transacted between the Master Policy and the insurer per NH RSA If a Plan provision does not conform to applicable provisions of the State of New Hampshire or Federal law, the Plan is hereby amended to comply with such law.

The following is added at the end of the Fraud section of Your Description of Coverage:. Concealment, misrepresentation, and fraud can only applied to a claim to which it is material and coverage may not be denied to any Cardmember who had no knowledge of or participation in any concealment, misrepresentation or fraud.

Concealment, misrepresentation, and fraud do not void the policy and must be an international act on behalf of You. We will not deny coverage under the Policy if this occurs. If You are without knowledge or participation in a fraudulent act they are not subject to denial of coverage under this section. This section only applies to a claim to which it is material and coverage may not be denied to You if You had no knowledge of or participation in any concealment, misrepresentation or fraud.

And replaced with the following: In the Termination or Cancellation section the following is removed: The Company has the right to cancel the Policy by sending a written notice at least sixty 60 days in advance to You at Your last known address. The following is added to your Description of Coverage: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.

The Proof of Loss section is hereby removed in its entirety and replaced with the following:. Purchase Protection Claim Form; the original itemized store receipt; the insurance declaration forms for Your other sources of insurance or indemnity e. If all required documentation is not received within ninety 90 days of the date of the Covered Incident except for documentation which has not been furnished for reasons beyond Your control , coverage may be denied.

If requested, You must send in the damaged property within ninety 90 days from the date of Our request to remain eligible for coverage. The Legal Actions section is hereby removed in its entirety and replaced with the following:. No such action may be brought after six 6 years from the time Proof of Loss is required to be given. If We do not acknowledge receipt of the claim in writing, We will keep a record of the date, method and content of the acknowledgement; begin an investigation of the claim; and request a signed, sworn Proof of Loss, specify the information You must provide and supply You with the necessary forms.

We may request more information at a later date, if during the investigation of the claim such additional information is necessary. If We need additional time, We will inform You of the reasons for such need. We have notified You that payment of the claim or part of the claim will be made and have reached agreement with You on the amount of loss; or an appraisal award has been made.

However, if payment of the claim or part of the claim is condition on Your compliance with any of the terms of this Coverage part, We will make payment within five 5 business days after the date You have complied with such items. You may contact the Texas Department of Insurance to obtain information on companies, coverages, rights or complaints at:. Box Austin, TX Fax Web: Should you have a dispute concerning your premium or about a claim you should contact the company first.

If the dispute is not resolved, you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY: This notice is for information only and does not become a part or condition of the attached document.

Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companies, coberturas, derechos o quejas al:. Si tiene una disputa concerniente a su prima o a un reclamo, debe comunicarse con la compania primero. Si no se resuelve la disputa, puede entonces comunicarse con el departamento TDI.

UNA ESTE AVISO A SU POLIZA: Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto. The Company has the right to cancel the Policy at any time by sending a written notice at least [forty five 45 ] days in advance to You at Your last known address. We may cancel this policy only for the reasons stated in this condition by notifying you in writing of the date cancellation takes effect.

This cancellation notice may be delivered to you, or mailed by certified mail to you at your mailing address shown in the Declarations except that in the case of cancellation for non-payment of premium, the cancellation notice will be by certified mail or certificate of mailing.

Proof of mailing will be sufficient proof of notice. This can be done by notifying you 15 days before the date cancellation takes effect; or. This can be done by letting you know 45 days before the date cancellation takes effect. We may elect not to renew this policy. We may do so by delivering to you, or mailing by certified mail to you at your mailing address shown in the Declarations, written notice at least 45 days before the expiration date of this policy. This condition does not apply:.

If any insured property designated in the policy is insured under any other insurance policy. If we elect to renew this policy and have the necessary information to issue the renewal policy, we will confirm in writing at least 45 days prior to the expiration our intention to renew the policy and confirm the premium at which the policy is to be renewed. If we do not comply with the conditions set forth in the above paragraph, you will be granted renewal coverage at the rate or premium in effect on the expiration date, which has been approved by the Commissioner.

This will be done on a pro rata basis and will continue for 45 days after his company confirms renewal coverage and premium. This provision will not apply if you accept the renewal policy. In the Exclusion section, Exclusion number 16 is being added and made part of the Description of Coverage: Underwritten by AMEX Assurance Company Mailing Address: Purchase Protection provides coverage for Your purchases for ninety 90 days from the date of purchase when You charge any portion of the price of the purchased item to Your Account.

Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in Puerto Rico. Covered item means any one item of property purchased worldwide as a gift or for personal or business use and charged to Your Account, except those specified under the Section titled Purchases Not Covered.

You may also write to Us at Purchase Protection, PO Box , Golden, CO You must provide Us with satisfactory Proof of Loss within one year from the date of your Notice of Claim.

If all required documentation is not received within one year from the date of your Notice of Claim except for documentation which has not been furnished for reasons beyond Your control , coverage may be denied. You may be required to mail the damaged product to Us at Your expense for further evaluation of Your claim. If requested, You must mail it within one year from the date of request to remain eligible for coverage.

If a Plan provision does not conform to applicable provisions of Puerto Rico or Federal law, the Plan is hereby amended to comply with such law.

Only the President, Vice-President or Secretary of AMEX Assurance Company of Puerto Rico may change or waive the provisions of the Description of Coverage. This Description of Coverage may be changed at any time. No such action may be brought after three 3 years from the time written Proof of Loss is required to be given. If a time limit of this Plan is less than allowed by the laws of Puerto Rico, the limit is extended to meet the minimum time allowed by such law.

The Company can cancel this Master Policy for the following reasons: To that effect, the Company must provide sixty 60 days written notice prior to the date cancellation is effective, indicating in such notice the reason for cancellation.

If the Company cancels, the Master Policyholder must assist the Company in notifying Cardmembers of the date their insurance is cancelled. The Master Policyholder may cancel the Master Policy by giving the Company written notice of what future date the Master Policy shall be cancelled.

The Master Policyholder must notify Cardmembers of the date their coverage is cancelled or replaced. The Master Policyholder must provide to the Company sixty 60 days written notice and to the Cardmember thirty 30 days written notice prior to the date cancellation is effective.

American Express Travel Related Services Company, Inc. That program permits enrolled Cardmembers to earn Membership Rewards points and to purchase goods from participating merchants using Membership Rewards redemption certificates. For those eligible and enrolled in the Membership Rewards program, Purchase Protection benefits under this Plan are also paid when the purchased property is received through the redemption of a Membership Rewards redemption certificate.

Cardmember means a person who has been issued a United States of America based proprietary American Express Card, which is Current and in Good Standing, and who has a Permanent Residence in The United States Virgin Islands.

If a Plan provision does not conform to applicable provisions of The United States Virgin Islands or Federal law, the Plan is hereby amended to comply with such law. Only the President, Vice-President or Secretary of AMEX Assurance Company of North America may change or waive the provisions of the Description of Coverage. A copy, of the Policy will be maintained and kept by the Master Policyholder and may be examined at any time.

If a time limit of this Plan is less than allowed by the laws of The United States Virgin Islands, the limit is extended to meet the minimum time allowed by such law. To that effect, the Company must provide sixty 60 days written notice, actually delivered or mailed by certified mail, prior to the date cancellation is effective, indicating in such notice the reason for cancellation.

PLEASE READ IT CAREFULLY. Notice of any claim you may have should be directed only to the above address for the following Descriptions of Coverage or Certificates:. EW-DOC-CCSG1-VI, EW-DOC-CCSG2-VI, EW-DOC-OSBN2-VI, EW-DOC-OSBN1-VI, PP-DOC-OSBN1-VI, PP-DOC-OSBN2-VI,PP-DOC-CCSG1-VI, PP-DOC-CCSG2-VI, ,TAI-DOC-VI, BIP-DOC-VI, BIP-DOC-PLAT-VI.

Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.

All users of our online services subject to Privacy Statement and agree to be bound by Terms of Service. Check your balance, review recent transactions and pay your bill on the go. Save when you book your next trip online with American Express Travel. Select from over 35 designs. United States Change Country. Log In Log Out. Search US website Search Search. Site FAQ Contact Us Change Country. REGARDING CARD USERS WHO ARE MINORS As explained above, you agree to the Terms and Conditions, as well as the Account Alerts Terms, on behalf of minors authorized by you to use the Card "Minor s ".

ABOUT THE CARD The Card a prepaid payment device which must have funds loaded to it prior to use. FOR BALANCE AND HOUR CUSTOMER SERVICE Text "BAL" plus the last 4 Card number digits to e.

SETTING UP YOUR CARD Your Use of the Card; Authorizing Persons to Use Your Card You are personally liable and responsible for your use of the Card. The Card purchaser must verify his or her email address before funds loaded to the Card from a Funding Source may be accessed. Registering and Managing Your Card Online You must register the Card, verify your email address and designate a personal password that you may use to sign in to the Website to check your Available Funds, view your transactional history "Online Transaction History" , or designate a new Funding Source.

Electronic Delivery of Notices and Information The Card is a paperless product, which means, among other things, we will attempt to provide you with all notices and communications, including legally-required notices and communications which you may otherwise have the right to receive in paper form, in electronic form e.

CONSENT TO FEES Fees: There is no Monthly Fee for residents of AR,NY,TX and VT. USING YOUR CARD Loading the Card You can load funds to the Card at any time i using your Funding Source, or ii via direct deposit of your paycheck. You will not be able to access funds loaded to the Card using your Funding Source or via direct deposit of your paycheck until the Card purchaser has verified his or her e-mail address and you have activated your Card.

Direct Deposit As Card purchaser, you may arrange to have all or part of your paycheck transferred directly to the Card by your employer or other appropriate payor. Pre-Authorization of Recurring Loads to Your Card You may request that your Card be loaded from your Funding Source in a set amount on a recurring, periodic basis. Purchases at Merchant Establishments; Internet Purchases Present the Card to the Merchant at the time of payment and sign the receipt with the same signature you used when you signed the back of your Card.

Tell the cashier the Available Funds and ask whether another form of payment will be accepted for the balance of the purchase. If the Card is declined, remind the cashier of the Available Funds. Be prepared to provide a second form of payment to cover the balance of your purchase. Some Merchants may only allow you to use cash or check, but not another card, as the second form of payment.

Some Merchants do not permit a second form of payment at all. We do not guarantee that a Merchant will permit a Split Tender Transaction. Be sure that the Available Funds on your Card are sufficient to cover the cost of the bill plus any anticipated gratuity. If the Card is declined, ask the Merchant to obtain an authorization for an amount equal to or less than the Available Funds. Gas stations will routinely obtain an authorization on the Card for an estimated purchase amount to ensure that the Available Funds will cover the final purchase.

To avoid having a gas station obtain authorization for an amount that is higher than the Available Funds, we suggest that you prepay inside at the cashier for an amount equal to, or less than, the Available Funds on the Card. You can also use the Card to make a purchase over the internet or by mail-order. However, some internet and mail-order Merchants do not permit a second form of payment at all. If you experience any difficulty making a purchase online or by mail order with the Card, please call the Customer Service Number for assistance.

Funds Shortages Each time you use your Card, the amount of the transaction will be debited from your Card's Available Funds. ATM Access We will provide you with a Personal Identification Number "PIN" after you have successfully registered the Card. Transactions Made in Foreign Currencies If you make a purchase at an establishment in a foreign currency, it will be converted into U. Returning Merchandise If you wish to return any merchandise purchased with the Card, you will be subject to the Merchant' return policies.

Lost or Stolen Cards You are not liable for fraudulent purchases. Tell us your name and Card number; Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe an error has occurred or why you need more information; Tell us the dollar amount of the suspected error or unauthorized transaction; and Tell us approximately when the error or unauthorized transaction took place.

Assignment and Waiver We may assign these Terms and Conditions to a third party at any time without notice to you. Special Offers and Marketing Special offers may be available from time to time at participating merchants. Class Action Waiver and Other Restrictions: Applicable Law These Terms and Conditions and your Card, and all questions about their legality, enforceability and interpretation, are governed by the laws of the State of New York, USA without regard to internal principles of conflicts of law.

RIGHT TO REFUND The following applies to California residents with respect to the use of the Card to transmit funds to a foreign country by means of a valid purchase occurring outside of the United States: Global Assist Hotline Call the number on the back of your Prepaid Card Global Assist Hotline Landing Page americanexpress.

From exchange rates and visa requirements to customs information and medical assistance - it contains things you need to know - before you go - specific to your destination: Customs Information Many countries have strict requirements on what products they will allow in and out of the country.

Foreign Exchange Rates Global Assist Hotline can provide you with foreign exchange rates throughout the world. Inoculation Information Global Assist Hotline can provide you with recommendations for inoculations that may be needed prior to traveling to your destination.

Weather Reports Global Assist Hotline can provide you with weather forecasts for many destinations around the world. Lost Item Search If you lose an item while traveling, Global Assist Hotline can help you search for the lost item. Missing Luggage Assistance When the airline may have misplaced your luggage, Global Assist Hotline can help track its status.

Medical Monitoring Global Assist Hotline can provide you with the monitoring of medical care while traveling. Medical Prescription Replacement Assistance If medications are lost or forgotten and you are in the United States, Global Assist Hotline can help you by arranging a transfer of the prescription from your home pharmacy to a pharmacy near your location if refills are available. Embassy and Consulate Referral Embassies and consulates are excellent sources for information and assistance to Card Members while traveling.

English Speaking Lawyer Referral This service can provide you with a list of English-speaking lawyers in the area where you are traveling. While Roadside Assistance Hotline is available at no additional charge, all costs associated with these emergency roadside services are the responsibility of the Card Member. Services are provided for self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation, and trucks up to 10, lbs gross vehicle weight.

Services are available regardless of mileage from primary residence when traveling within the 50 United States, the District of Columbia, Canada, Puerto Rico and the U. Card Member must be present with the vehicle at time of service. In the case of inclement weather or natural disasters, coordination and assistance services may be unavailable. In case of need for service on roadways which limit service provider access, we will attempt to arrange for an authorized service provider to service the vehicle but may be unable to do so.

Certain types of vehicles are not covered including, but not limited to, rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors, and trucks over 10, lbs gross vehicle weight. If you need further information on the Roadside Assistance program, please call AMEX or the number on the back of your Card. Box Phoenix, AZ Purchase Protection can provide coverage for your eligible purchases for ninety 90 days from the date of purchase when you charge any portion of the price of the eligible purchased item to Your Account.

PURCHASES NOT COVERED The following purchases are not covered: Notice of Claim Notice of Claim should be provided to Us within thirty 30 days of the loss. Proof of Loss Proof of Loss requires You to send Us all the information We request, at Your expense, in order that Your claim may be evaluated and that We may make a determination as to whether the claim may be paid. Proof of Loss may require documentation consisting of, but not necessarily limited to, the following: No payment will be made on claims not substantiated in the manner required by Us.

Payment of Claim A claim for benefits provided by this Plan will be paid upon Our receipt and review of Your complete Proof of Loss documentation and Our determination that a claim is payable according to the terms of the Plan. Clerical Error A clerical error made by the Company will not invalidate insurance otherwise validly in force nor continue insurance not validly in force.

Conformity with State and Federal Law If a Plan provision does not conform to applicable provisions of State or Federal law, the Plan is hereby amended to comply with such law. Entire Contract; Representation; Change This Description of Coverage, the Policy and any applications, endorsements or riders make up the entire contract. Excess Coverage If any loss under this Policy is insured under any other valid and collectible policy, then this Policy shall cover such loss, subject to its exclusions, conditions, provisions and other terms herein, only to the extent that the amount of such loss is in excess of the amount of such other insurance which is payable or paid.

Fraud If any request for benefits made under the Plan is determined to be fraudulent, or if any fraudulent means or devices are used by You or by anyone acting on Your behalf to obtain benefits, all benefits will be forfeited.

We do not provide coverage to a Cardmember who, whether before or after a loss, has: Legal Actions No legal action may be brought to recover against this Plan until sixty 60 days after Proof of Loss has been received by Us.

Right of Recovery If We make a payment to You under this Plan and You recover an amount from another, equal to or less than Our payment, You shall hold in trust for Us the proceeds of the recovery and reimburse Us to the extent of Our payment. Subrogation In the event of any payment under this Policy, We shall be subrogated to the extent of such payment to all Your rights of recovery. Termination or Cancellation Coverage will cease on the earliest of the following: Virgin Islands; the date We determine that You or someone on Your behalf intentionally misrepresented or fraud occurred; the date the Policy is cancelled; the date You are no longer a Cardmember; the date Your Account ceases to remain Current and in Good Standing; or the date the Plan is not available in the location where You maintain a Permanent Residence.

Benefits are not payable if the loss for which coverage is sought was directly or indirectly, wholly or partially, contributed to or caused by: The Legal Actions section is hereby removed in its entirety and replaced with the following which is added and made part of the Description of Coverage: LEGAL ACTIONS No legal action may be brought to recover against this Plan until sixty 60 days after Proof of Loss has been received by Us.

The following definitions are added to the Definitions section. The following provision is added to the General Provisions section. In all other respects, the provisions and conditions of the Policy remain the same.